23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion on numerous occasions, the latest attempt being yesterday XX/XX/XXXX to get inquires removed from my report. I even informed representative I would be reaching out to you all to file a complaint, because this is causing a hold up on my purchase, in return he told me go ahead. 

I have had no issues with the other 2 credit companies removing the inquiries. Transunion is the only company that refuses to help me. 

The below are the list of Inquires that I need removed due to me not recognizing or giving authorization to run or re-run my credit during the time listed. 


15 U.S.C 1681 section 602 A., States I have the right to privacy. 15 U.S.C 1681 section 604 A., Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXXXXXX XXXX XXXX, New XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX Issued by Finance Companies XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnioXXXX XXXX XXXX XXXX XXXX Issued by Finance XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED DOCUMENTS In accordance with the Fair Credit Reporting act XXXX XXXX   Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out FINANCIALLY, EMOTIONALLY, MENTALLY AND physically continuously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this  unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Product: Student loan

For nearly 8 months, ACS Education Services ( a/k/a XXXX XXXX XXXX XXXX ) has refused to complete a simple form that is required to qualify for a benefit of military service. 

The XXXX XXXX offers a student loan repayment program. For the XXXX XXXX to pay the loan under this program, the lender or servicer must complete a form certifying the principal balance of the loan and providing information to electronically pay the loan ( See Attachment XXXX ). 

ACS received this form on XXXX XXXX 2015 -- nearly 8 months ago ( See Attachment XXXX ). Despite repeated requests to ACS during these months, ACS has not completed and returned this form. ACS claims that it must recalculate the balance of the loan before making such a certification. Yet despite having this form for nearly 8 months, ACS has refused to even provide a time-frame for the completion of these calculations. Moreover, ACS has refused to allow me to speak with any person in the department that supposedly processes these calculations on the grounds that these personnel are not " telephone trained. '' Meanwhile, ACS continues to charge interest based on portions of the loan that would have been paid off months ago but for ACS 's inability to complete this form in a timely manner. 

Please do whatever you can to encourage ACS to complete this form and return it to me without delay.
Product: Debt collection

There is a {$250.00}, on my credit report., But it's not my debt. This loan was in my daughters name. Not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX and Transunion have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681 ( a ) ( 3 ) your company assumed this role. You were not given permission by me, the consumer or a competent court of jurisdiction. You have failed at your initial investigation of this information and assumed a role and assumed this information was valid which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) you did not ensure this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You chose to only get one side of the story and because of your actions my privacy has been breached and this is a violation of my RIGHT TO PRIVACY.
Product: Checking or savings account

I made a check deposit to Chase Bank on Saturday, XX/XX/2023, at XXXXXXXX XXXX for {$1400.00}. My account was completely frozen for a total of 20 days after that of which I was unaware at first. The deposit receipt only gave notice of delayed funds fro the amount of the check. 
I made a payment to a credit card from my Chase account for {$400.00} when I did not know my account was frozen and it did not go through. Furthermore, I was charged {$30.00} on XX/XX/2023, by that credit card company for not paying by the due date. 
On or before XX/XX/2023, Chase Bank closed my account without notice or my permission. I received a cashier 's check in the mail from Chase Bank for {$35.00} days later. 
I have called Chase Bank on several occasions and have been told several things. At first that a check was mailed but I never received it, then an investigation would need to be held which could take up to a year, then that the company 's phone number on the check in question could not be verified and so the check could not be verified. My last phone call was on Friday, XX/XX/2023, around XXXX XXXX 
This is the number I called XXXX. 
I have also gone several times in person to a Chase Bank location in XXXX CA and was told different versions of the same things as on the phone. 
Finally, I spoke with my company 's accountant about this issue and he informed me that Chase Bank has already withdrawn the {$1400.00} from the company 's account. 
The accountant and I even called Chase Bank together but the person on the line for Chase Bank refused to speak with the company accountant for unknown reasons.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), fraudulent items must be removed from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Mortgage

I submitted an application package to Navy Federal Credit Union for a refinance under a VA loan as I am a Veteran. I submitted my package on XX/XX/2019 and submitted all required documentation through their website. I called on XX/XX/2019 and was informed my loan was still in processing and was told the estimated closing costs would be {$2000.00}. 
After not receiving any further responses, I sent an email on XX/XX/2019 inquiring about status. I was informed on XX/XX/2019 that my package was with underwriting. I called later and left messages with no responses. I then received a letter, dated XX/XX/2019, my application was denied because of : " unable to verify credit references '' and " insufficient cash for transaction ''. I sent a follow-up email asking for clarification but received no response. I am a XXXX working for the XXXX XXXX, made all my payments on time, and do not understand the denial. I do currently have some high balances with XXXX, but these are currently in dispute and I could have provided the background. I am a XXXX veteran who feels I have been discriminated against for some reason. No one even bothered to contact me for any clarifications on their decision.
Product: Credit card

I do not wish restitution from the credit card company. I simply want CFPB to investigate the practices companies and credit card payment companies are using to extort money. 

I had an account with XXXX. I closed it in XX/XX/2023. They continued to bill me the monthly amount. It was paid through my XXXX with Barclay 's XXXX. 

I paid additional months thinking the final payment would go through and be cleared. In XX/XX/2023 I contacted Barclay 's and disputed the charge. After repeated calls they agreed to close my account- the XXXX charge was the only one - and to clear the amount. They didn't. They continued to bill me, adding a fee each month. 

I believe they have submtted this account to credit bureaus and it has caused a XXXX point drop in my credit rating. 

I just finished talking to them again. I paid the amount in order to clear my credit. They were sympathetic but not helpful. 

During several of the calls they asked if I had contacted XXXX to clear the account. It is impossible to contact XXXX. I spent hours on the phone without success.
Product: Mortgage

I fell behind on covid payments. I just wanted and was promised to put this amount at the rear. I can do that. They refused me as an elderly minority woman. I do not want to lose my home
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I had an Auto Lease Loan with US Bank ( via XXXX of XXXX ). The lease expired on XX/XX/2020 and the vehicle was returned and the end of lease paperwork sent to US Bank. However, they kept sending us bills post lease end date and did not acknowledge lease had ended until XX/XX/2020. In the meantime, a payment late has showed up on our credit history and attempts to get rid of it has been unsuccessful. 

Please help.
Product: Credit reporting or other personal consumer reports

I am writing to report multiple fraudulent activities and unauthorized accounts impacting my credit profile. The following issues require investigation and immediate resolution : 1. XXXX XXXX XXXX XXXX : I did not authorize the opening of this account or any of the charges associated with it. I have no knowledge of this account and request that it be removed from my credit report as a fraudulent account. 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I did not authorize the opening of this credit card account or the transactions made under this account. I am disputing this account and any associated charges, requesting its removal from my credit report as fraudulent. 

3. XXXX XXXX XXXX XXXX : A charge-off for this mobile phone bill appears on my credit report. I did not authorize or initiate this account and dispute the legitimacy of this charge. I request its removal as a fraudulent entry. 

These accounts are clear violations of my consumer rights under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681, which entitles me to accurate and fair credit reporting. Under this law, I request that the credit reporting agencies conduct a thorough investigation and delete the aforementioned fraudulent accounts from my credit profile. Additionally, under the **Fair Debt Collection Practices Act ( FDCPA ) **, I demand that no further collections or attempts to recover these alleged debts take place, as they are invalid.
Product: Debt collection

Comenity bank through XXXX XXXX  keeps charging me false late fees although I have paid off the balance They refuse to shut my account down when I pay my balance off. I even over paid my balance and requested my account be for ever closed. They mailed a credit check back but did not close the account. I keep getting XXXX dollar late fees for a zero balance. When I call they commonly put me on hold for 30+minutes and say they fixed the problem or couldnt fix it. They often hang up I spend about two hours every month trying to get resolution with these small late fee bills. I have paid off unjustified late fees three times
Product: Debt collection

I have been trying to resolve issues with this company named NationalCredit Adjusters I hereby dispute this account.
Product: Debt collection

XXXX XXXX of IQ data international has called me repeatedly over the last few years threatening that they will ruin my credit. Harassing me about a large lump sum of money I dont owe them. Threatening to call my employers and family members to retrieve money at all costs. Ive seen stories from others on how harassing and vile she can be. Ive asked to be transferred to someone else within the company, a manager or ANYONE else, she just snickers and talks down to me.
Product: Credit card or prepaid card

In XX/XX/2020 I subscribed to the XXXX XXXX service. In XXXX I learned that I wasn't receiving all of the benefits of XXXX XXXX that everyone else was able to. I could not access XXXX on my phone app. I tried to resolve this with XXXX but they didn't resolve the issue they cause. On XX/XX/XXXX, I submit a dispute against the the XXXX charge of {$120.00} for half or {$63.00}. If I'm only getting half the use out of the service, I should only pay half. After Chase notified XXXX of the dispute, XXXX canceled my entire subscription. I learned of this cancellation on XX/XX/XXXX. On XX/XX/XXXX, I sent Chase a secure message to get an address to mail in additional information about the dispute because I needed it updated to a full dispute instead of the half dispute that I originally requested. I attached the documentation supporting this update. I was told I would get an update on this. 
Since that time my dispute has not be updated for the full amount. I am still only getting the temporary credit for the half dispute. I have attempted to contact Chase multiple times and have not got a response to the issue. Chase has claimed their employees are overworked and there is too much work for Chase to handle in a responsible time to get responses to customers. Because I don't want this to get lost in all of the work and high volume that Chase claims that they have, I felt it was best to file a complaint so that I know it will get addressed. I feel like I should just go though CFPB on all of my corespondents with Chase because they seem to play the high volume card all the time. And for my security and not wanting my corespondent to get lost or missed in the high volume, it would probably be best to make sure there is a record of everything with an organization like CFPB.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. Both XXXX and XXXX report no late payments. XXXX reports 5 late payments. XXXX has not even investigated. This needs to be updated to PAYS AS AGREED NEVER LATE. 

XXXX XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. They have no even entered a notice of dispute. They have refused to investigate. The payment has never been late for this account. Please update account PAYS AS AGREED NEVER LATE. 

XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XXXX/XXXX/XXXX. They have no investigated. They have not entered a notice of dispute. They have not validated account. This needs to be deleted immediately.
Product: Mortgage

I have tried to resolve this through several emails and calls with the MyLoanCare, with varying support and guidance each time I connected with the company ( i.e. request an escrow analysis, open the tax line, provide certain documentation, etc. ). I work for a bank and often handle CFPB requests ( for a different product ) so I'm only writing this complaint as a last resort. 

When my taxes were paid in XX/XX/XXXX it was at the non-homestead rate, approximately {$8500.00}. That amount was correct, as we did not have the homestead exemption for that year. I am NOT contesting the tax payment that was made in XX/XX/XXXX. However, when we refinanced our home ( this loan was then sold to MyLoanCare for servicing ) in XX/XX/XXXX, we were then able to successfully file for homestead on this property. This exemption effectively reduces our tax bill to approximately {$4200.00}. 

I provided the required documentation to MyLoanCare including the homestead approval, deed to the house, and tax assessor assessment record. I have attached that documentation to this complaint. My remaining issues are : 1 ) The estimated tax disbursement is FINALLY reflecting the {$4200.00} payment. However, the corresponding escrow amount is still accruing to the {$8500.00} rate ( actually higher, see issue 2 below ). This is resulting in an over-accrual for the tax disbursement that will occur inXX/XX/XXXX. 

2 ) When an escrow analysis was completed ( either per a request I filed or per usual company procedures ), it projected a shortfall of {$2.00} for the year. First, this analysis was done using the higher {$8500.00} rate. Second, the company has increased my payment by approximately $ 50/mo, or {$600.00} for the year, to cover this projected shortfall.
Product: Mortgage

After filling original complaint ( XXXX ) about Click & Close overcharging me for my house mortgage payments just find out they dont have a valid license to do any business in XXXX XXXX where my house is located. So they are charging me illegally money. I filed this new complaint because cant edit original complaint. 

See below : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against LexisNexis due to a lack of response following my dispute submission on XX/XX/23. Despite disputing several items on my consumer report, I have not received any communication or resolution from LexisNexis. 

The disputed items include incorrect names, addresses, and two public records that I believe are inaccurate. I have attached a copy of my dispute letter once again for your reference. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB LAWSUIT highlighting SIGNIFICANT issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to. Investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible the CFPB finding indicates THAT Zelle has only neglected to protect consumers but also has allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit card or prepaid card

According to XXXX XXXX my BB card was closed on XX/XX/2020 but I was using it as late as XX/XX/2020 and made a payment on XX/XX/2020. Their website did not show a closed status. Then on XX/XX/2020 a creditor attempted to pull their payment and it was denied. I was never notified of anything except on their website. No email notices of anything. They stated length of time accounts open some of my accounts have been opened for 5 plus years. I have a fairly decent payment history. They also stated that my score was only XXXX which doesn't make any since.
Product: Credit card

In XXXX, while in the process of moving, I started researching credit card benefits, specifically looking for one with a 0 % APR to help cover expenses. I found that the XXXX XXXX XXXX offered 1.5 % on all purchases and doubled points earned during the first year. I called a Chase branch to schedule a meeting and discuss which card would be the best fit. When I met with an associate, they informed me that by opening the XXXX XXXX in-branch, I would receive XXXX bonus points instead of the usual XXXX. The address to that branch is XXXX XXXX XXXX XXXX, XXXX, AZ XXXX I filed a complaint shortly after receiving the incorrect bonus amount XXXX instead of XXXX, but I was repeatedly given the runaround. Finally, an associate explained that it was likely due to a branch-specific promotion. I then filed a complaint directly with the branch. The complaint department quickly called me back, only to inform me that there was nothing they could do about it. 

Short of driving XXXX hours XXXX way to that specific branch I've received no help about this issue. I have repeatedly called and I can not speak to that specific branch.