23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information listed below in subsection A ( 1-3 ) is inaccurate : Sub-section A. 1. ) ACCOUNT XXXX XXXX  Opened XXXX {$770.00} 2. ) XXXX XXXX XXXX Opened XXXX {$790.00} 3. ) XXXX XXXX XXXX Last reported XX/XX/XXXX  {$2700.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX   XXXX {$300.00} XXXX XXXX XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$7000.00} XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX XXXX XXXX XXXX {$7000.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX request that my name be updated to reflect the correct information. 

2. Born : My birthday is on XX/XX/year> and the report has listed on XXXX  I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my Social Security or passport displaying my correct name and Birthdate Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX. 
Thank you for your cooperation. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Comenity bank /Victoria secret account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

15 USC 1666B : A credit plan as late for on purpose.
Product: Prepaid card

Hi, on XX/XX/year>XXXX  I notice a withdraw from my prepaid card for {$1000.00} I immediately contacted the card to dispute, they took my information and said they will MAIL me a paper to fill out and send back if i don't they will use their own reliable source and the investigation could last 45 days. 6 days later i recieved an EMAIL from them they found no error and i won't be credit. i contacted them again to reopen the case, XX/XX/year> they sent the same email said they found no error and they won't credit me, i reopened the case a 3rd time, same respond from them on XX/XX/year>. i tried to make a police they couldn't help, i went to the bank where the issue happened they said adp/wisely have not contacted them and my card was never used at their atms. i contacted wisely, they wouldn't open my case or help me my case XXXX for account ending in XXXX
Product: Credit card or prepaid card

I want to access my account online. They stated WITHOUT QUALIFICATION that they will NOT allow me to do so without providing them my mobile number. I escalated the matter and was told the same thing. 

I offered to provide my email address, which they have, as an alternative. THEY REPLIED THAT ONLY A MOBILE NUMBER WILL SUFFICE. 

How do these companies get away with this? It is mind-boggling that they do this, much less BE ALLOWED to do so. 

I dont have to tell you that they had the biggest data breach in the history of time not to long ago, not to mention that our cell phones are becoming the most important device in our possession, aceess to which CapitalOne and EVERYONE ELSE wants to use in solicitations, and/or worse, to provide to someone else ( sell ) in an affinity or subsidiary arrangement. 

This is strong-arming at its worst.
Product: Credit card

Unfortunately, I have been a victim of fraud and my information has been compromised on the dark web. I was recently XXXX from XXXX of XXXX until XXXX of XXXX. When I was first XXXX I had a XXXX balance on this account. Upon being released from my XXXX  my account was closed and there were no funds available in my account. I informed the credit card company that there was no way that I could have made transactions at this time because of my XXXX and somebody had assumed my identity during this period ; additionally, I provided the company with proof of XXXX and documentation illustrating these facts. However, the credit card company still has not resolved this matter and have denied my claim stating that I had made the transactions. This is untrue as I have not given anyone permission to access my accounts and funding. The company has defrauded and this has destroyed my credit, causing me undue hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report TransUnion and discovered multiple unauthorized inquiries that I have no knowledge that is on my consumer report. 
Because I did not apply for credit with XXXX XXXX  INQUIRY DATE : XX/XX/XXXX ; XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX  INQUIRY DATE : XX/XX/XXXX ; XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; AND XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; I have also reached out asking that they remove the inquiry from my credit profile.
Product: Mortgage

XXXX XXXX from LoanLeaders did not have my permission at the time he pulled my credit report at XX/XX/2016. He offer me a really good interest rate on XX/XX/2016 via e-mail. I accepted the offer and I fill out the mortgage application. Everything was good for a week. I have seen the loan estimate form, interest rate. I paid for the appraisal {$530.00}. The next day he called and said DTI ratio was too high. His new offer was 2 times more than the previous interest rate.
Product: Credit reporting

Eleven years ago, I had XXXX XXXX which turn into a nightmare. XXXX. XXXX XXXX six month late. I lost my car, my job, my apartment and m y car was repossess. I turn it in.I sing documents. However, my credit report says that this lean was settle. But my credit is still showing. This is preventing me from getting a job. 
I presently lost the opportunity to get a job because this record from eleven years past was still on my credit report. There is not name of company to contact, no information. I ask a legal firm to help me, they assure me that without the proper information they can not help me. I need my credit clear so I can move on with my live. 
Page no. XXXX and XXXX are the one in question. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records and noticed that the disputed inquiries, which do not belong to me were still reporting in my credit reports. This is another request to remove the inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the ( XX/XX/ ). Ive already included this issue in my previous letter & I am including it again. Also, the information you provided on these inquiries are UNKNOWN to me and were REMOVED from other bureaus and I have doubts about your reporting accuracy. 
EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX of XXXX I opened a new account with XXXX purchasing a new XXXX and XXXX. I decided I did not want the service soon after the purchase so I went back into the same store and returned both devices the next day. I was told by the sales rep that I had 14 days to return the devices and cancel service. Recently I was checking my credit reports for accuracy and I realized I have a collections account with Source Receivables for {$1200.00}, the exact amount for both devices. I contacted Source Receivables to try and figure out why I was being charged for devices I returned and they told me I needed to provide them with a receipt showing I returned the devices and the account would be deleted from my credit report. I emailed the receipt to the company on XX/XX/XXXX. On XX/XX/XXXX I received an email stating I was credited for {$780.00} instead of the full amount. I again contacted Source Receivables to try and figure out what was going on and the rep told me " you will not receive the full amount when you return items ''. I asked her several questions regarding why and she was unable to answer anything. I was told to contact XXXX. I called XXXX and they were unable to give any information because I was unable to remember a PIN number on an account I had for 1 day!
Product: Credit reporting, credit repair services, or other personal consumer reports

New and updated information. I did not consent to or request a fraud alert be placed on my consumer report. Transunion continues to act on my behalf without my consent or authorization. That is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ). Furthermore, Transunion has not made my privacy a grave responsibility pursuant to 15 USC 1681 ( a ) ( 4 ). Instead, they have taken it upon themselves to place my personal telephone number on my consumer report totally disregarding my right to privacy. Not only is this unacceptable it is a violation of my consumer rights as well. Please see the attached exhibit.
Product: Mortgage

I called Ditech for payoff information and was told to cancel automatic ACH and to mail my payoff amount. I did both. Unfortunately, they took my ACH ( they didn't cancel it ) and also took my payoff check. They also owed me more than {$6500.00} in escrow. When I called Ditech the first time to inquire about my refund, they said they would refund my money in 20 days. It's been six weeks and I've called multiple times and each time they have a new excuse for not refunding my money -- from the check is in the mail, to there was a printing error. It's never the same excuse. It's been well over the amount of time they said they would refund the check and, as the amounts total more than {$10000.00}, I am anxious to get the money and am worried they will refuse to pay it back.
Product: Student loan

I called MOHELA on XX/XX/2025 and was told the hold time would be XXXX minutes. I was able to request a callback. Unfortunately they called back XXXX minutes later when I was unable to answer the phone. 

I called back on XX/XX/2025 at XXXX XXXX XXXX. I was told the hold time would be XXXX minutes. I was not given the option to request a callback and had to stay on hold. I ended up being on hold for XXXX hours and XXXX minutes before someone answered the phone. They were not able to resolve my issue and transferred me to a specialist. I've been on hold for another 2 hours and 30 minutes ( still on hold ). I've been on the phone for 5 hours now, without my issue being resolved. I've been forced to listen to the same hold music and message for the entire 5 hours while I wait for someone to answer. It's given me a headache and isn't great with my sensory issues.

The ultimate issue is that MOHELA lost my student loan payment 20 days before it was due. I'm trying to get credit for my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXXXXXX Account number # 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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My account was hacked a while ago and I cant get into it but money was also taken out of my account with Zelle when I didnt approve it I had to go to the bank and get a whole new card and change everything just cause my account got hacked
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OWES US $ 330k from bk XXXX and illegally reporting tradeline after so.l. 
expired
Product: Money transfer, virtual currency, or money service

Hi there, my Paypal account has been permanently limited. At first it only notified me on the Paypal mobile app, I havent received an email or anything besides XXXX a few days ago informing me that recent account activity shown several issues with transactions which I tried to resolve which is true, they are all legitimate transactions that have issues that need to be resolved. Yesterday XXXX I was still able to make payments fine on Paypal, but today attempting to make a transaction through Paypal shows that I have no methods to make it. Going to the resolution center it tells me most of my account features have been deactivated. I have been a customer since XXXX  and have opened disputes for only legitimate issues, Paypal is important to me as I receive and send money through it as well as conduct transactions as well. I assure all activity on the account is legitimate and that I have been using Paypal as a normal customer within policy. I humbly request that my account is reviewed and restored to full functionality. Thank you and have a great day!
Product: Credit card or prepaid card

Lowe 's has been mishandling my deferred interest payments every month since XX/XX/XXXX. Every time I call to have the payments allocated. I leave the call feeling that it is correct, but when I receive my statement it is not. I called and spoke with a supervisor named XXXX. We were supposed to go over the statements and address the misallocation of funds last XXXX  XX/XX/XXXX. She told me to call this number XXXX and stated that XXXX was her personal extension and we could review and correct. I called and I was told that XXXX would call me back within 2 to 3 hrs because she was in a meeting. Until this time, I have not received a return call from her regarding this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's dispute resolution process, particularly in light of the recent CFPB lawsuit highlighting major issues with the platform. Despite frequently using Zelle and reporting discrepancies, my financial institution and Zelle did not adequately investigate my claims. They informed me that recovering the lost funds was impossible and that tracking these transactions was not feasible. The CFPB 's findings suggest that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, leaving users exposed to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about consumer safety.
Product: Credit reporting or other personal consumer reports

Late payments reported and payments have been made on time its negatively impacting my credit In accordance with the fair credit Reporting lXXXX XXXX  has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint against TransUnion for Refusal to Assist in Removing Fraudulent Inquiries from Credit Report Dear Sir/Madam , I am writing to file a formal complaint against TransUnion regarding their refusal to assist me in removing fraudulent inquiries from my credit report. On XX/XX/2023, at approximately XXXX XXXX, I had a conversation with a TransUnion representative named XXXX XXXX, who not only declined to transfer me to the fraud department or a supervisor but also failed to provide his representative identification for proper identification purposes. 

The details of my complaint are as follows : 1. On the aforementioned date and time, I contacted TransUnion 's customer service department to report fraudulent inquiries that appeared on my credit report. I specifically requested assistance in removing these inquiries from XXXX XXXX XXXX XXXX XXXX as they were not authorized by me. 

2. During my conversation with XXXX XXXX, I explained the situation and expressed my concern about the impact these fraudulent inquiries could have on my creditworthiness. However, despite my clear and valid request for assistance, XXXX XXXX refused to transfer me to the fraud department or a supervisor. 

3. Furthermore, when I asked XXXX XXXX for his representative identification, he declined to provide it, making it difficult for me to properly identify him and document our interaction. 

This refusal by TransUnion to provide the necessary support in rectifying fraudulent inquiries on my credit report is not only frustrating but also a violation of my rights as a consumer. I believe that it is the responsibility of credit reporting agencies to handle such matters promptly and efficiently, ensuring the accuracy and integrity of individuals ' credit reports. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against TransUnion for their refusal to assist me in removing these fraudulent inquiries. I believe that their conduct not only undermines my consumer rights but also raises concerns about their commitment to maintaining accurate and fair credit reporting. 

Enclosed with this letter, please find copies of any supporting documentation, including any correspondence, call records, or evidence related to my complaint. I trust that this information will aid in your investigation. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if any further information is required. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On this matter Transunion has been notified in various ways of my rights to privacy, and the laws applicable through mail, numerous telephone calls, Affidavit, but have continuously ignored and used tactics to not remove requested items that XXXX, XXXX have removed. Even after being informed that a certain creditor which is attached to in documents XXXX XXXX XXXX XXXX, was using various names creating inaccuracies on my consumer report, I was ignored and tactics were used to not remove this item and other items which should have been removed. Now because of my rights to privacy being violated, I have been receiving threatening/ harassing correspondence 's from two different 3rd party debt collectors using the inaccurate names that caused this creditor to be removed from other two consumer reporting agencies. who now have my personal non - public information, with my express written consent, and without a contract for the two 3rd party debt collectors that gives them consent to do so, which should of been removed, but who paid Transunion extra money to keep on my consumer report even though by the law, it should have been removed for inaccuracies. My right to privacy has not been protected, and it needs to stop right now, and be corrected. A copy of all documents were also mailed to certified mail USPS.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempts to inform 3 credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or XXXX from my credit record, assuming that no one will care. 
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