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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had online banking with them I kept getting unauthorized charges and overdraft fees for things I didn't know about taking money from my paychecks I've almost had shut off for my bills because of it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal notice that transunion has failed to respond in a timely manner to my dispute letter of XX/XX/25, deposited by registered mail with the U.S. Postal Service on that date. I sent proof of my address verifying it was indeed me. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I also filed a complaint that was incomplete because I asked for the XXXX account be removed and they responded they where deleting something else that was not on my credit. 
A complete investigation was never complete Complaint : Filed with CFPB XXXX which is closed and wasnt resolved.
Product: Credit reporting or other personal consumer reports

Subject : Unjustified Credit Score Decrease by Credit Karma and XXXX I am writing to express my serious concerns regarding the consistent and unexplained decrease in my credit score as reported by Credit Karma and XXXX. Despite my impeccable record of 100 % on-time payments, my credit score has experienced an inexplicable drop of XXXX points as of XX/XX/2023. This alarming development has occurred despite Credit Karma 's own admission that there have been no changes to my XXXX credit report. 

It is particularly disconcerting that this significant drop in my credit score has transpired in the absence of any adverse changes in my credit profile. All my financial obligations have been met punctually, and there have been no delinquencies or negative entries on my credit report. In fact, Credit Karma is not refreshing the proper updates to my my most recently paid bills to reflect the right credit score. Credit Karma does not fairly and accurately change my credit score when I make all monthly payments on time. Credit Karma fails to set the checkmark for the correct most to recently paid bill. Doing so only allows my score to drop without reason and it never increase for paying on time. 

I have meticulously reviewed my credit report daily, and it is evident that there have been no alterations, neither positive nor negative, that could reasonably justify such a substantial reduction in my creditworthiness. As a conscientious consumer, I rely on the accuracy and fairness of credit reporting agencies to maintain the integrity of my credit profile. 

This unjustified credit score decrease not only affects my financial well-being but also raises concerns about the accuracy and transparency of credit reporting practices. I strongly believe that consumers should be provided with accurate and consistent information regarding their creditworthiness. 

In light of these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter. It is crucial that such issues are addressed promptly to safeguard the rights and financial interests of consumers like myself who have diligently upheld their financial responsibilities. 

I am prepared to provide any additional information or documentation required to assist in this investigation. Your prompt attention to this matter is greatly appreciated, as it will contribute to a fair and transparent credit reporting system for all consumers. 

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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragra
ph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filling complaint today, because i noticed that you are reporting inaccurate information in the personal information section. I want to correct my information in my credit report in XXXX bureaus.
Product: Debt collection

I disputed this two rounds and the credit company did not respond back and they have not reported in the remarks with the bureaus that I have been disputing this for the last few months. I am enclosing all the information, that I have been requesting debt validation and printed copy of my report showing that this company is in violation for not reporting that a consumer has been disputing and requesting validation.
Product: Debt collection

On XX/XX/2016 I was contacted by - - of CFM Group of - GA regarding a balance of {$610.00} debt from - Global payments - about a credit card Merchand that I owe. with a business that is now closed., with XXXX - never contacted me in regards to of closing my account waited a couple of years supposed debt to CFM claiming I owe. One minutes because I closes my account one minute that I suppose return credit card machine which I do n't have Not once did I receive a notification by mail ... I call payanywhere they told me what I own is XXXX I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERALTRADECOMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. Bankruptcy : XXXX XXXX # : XXXX ; Bankruptcy XXXX XXXXXXXX Reference # : XXXX ; XXXX Reference # : XXXX ; According to FCRA XXXX XXXX ( a ) the credit reporting AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is sharing my nonpublic personal information with nonaffiliated third parties. Santander consumer USA does not have my consent to have and share my private personal information. then, the information that they are reporting is inaccurate and false. They are violating my rights to privacy as a consumer, and they are in violation of multiple federal laws.
Product: Debt collection

Receivables Performance at XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX has been mailing me collection letters via mail about a {$780.00} that is being reported as past I dont know this company this company does not have a contract with my signature because I have never done any business with this company
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 deleted : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$850.00}
Product: Credit reporting

Past Dispute XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XXXX XXXX, XXXX XXXX XXXX, XXXX Completion Date Dispute Results TransUnion received your request on XXXX XXXX, XXXX and completed their investigation on XXXX XXXX, XXXX. Please review the results carefully. 
Result : Deleted - TransUnion has deleted the account or record from your TransUnion credit report. 
If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to TransUnion at the address below, along with any supporting documentation. You may also request that TransUnion add an explanatory statement of XXXX words or less to your credit report. 
Account Name Original Creditor Open Date Status Balance XXXX XXXX XXXX, XXXX Open {$87.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date Responsibility Individual Balance {$87.00} High Balance {$87.00} Remarks Placed for collection
Product: Debt collection

Stafford Group and Associates is trying to turn an old debt into new debt that has already been filed in Ch XXXX case # XXXX
Product: Debt collection

I received a call at my place of work, XXXX, on XXXX XXXX, 2016 from XXXX XXXX XXXX XXXX. The number used was an inter-departmental phone number used for Emergency Services only. The number is not a published number and is only use by the XXXX personnel for Emergency Information only. This an unacceptable debt collection practice from this company.
Product: Credit reporting

My last name was changed by Equifax. I do n't know how this happened. 

I 'm again attaching a copy of my driver 's license and additional proof. My last name is XXXX. 

They state XXXX changed my last name. How is this possible? This would be fraudulent.
Product: Checking or savings account

On XX/XX/2020, Current Bank decided to freeze my account due to a {$1200.00} deposit from my XXXX  bank account to my Current account. They informed me that a security team would review my account, and then I would be able to resume using the account. I've emailed them over five times asking for them to finish the review, and to look at my account. I only received a response twice, and they still have not completed their " security review. '' They have not contacted me, asked for any information, and do not respond to my emails. I have no way of contacting them since their phone line is down, and I can't use the chat in the app to do anything.
Product: Checking or savings account

I've had my savings in Capitol One 360 savings the past year, plus.

I've seen the account being advertised as 4+ % interest rate and believed that is what I was receiving during XXXX, however I've only been receiving 0.30 % I called ( XX/XX/XXXX ) and they notified me that I was not receiving that rate since I need to open a new " Performance Savings '' account. 
I opened the new account and also requested to be compensated for the difference since it's was deceptive marketing practices. They denied being able to compensate me.
Product: Credit card

CANT SEEMS TO GET THIS COMPANY TO REMOVE MY OLD BANKING ACCOUNT ON FILE. 

I HAVE XXXX XXXX ON FILE -- -- -- OLD BANK ACCT ON FILE I HAVE MY CURRENT BANK ACCT ON FILE
Product: Credit card or prepaid card

This account has been a charge off reporting monthly for years. It is now paid off completely and per NYS law, it must be deleted as it is over 5 years old. They are refusing to state in writing that it will be deleted and keep telling me to call.
Product: Credit card or prepaid card

Nordstrom lowered my XXXX  limit credit card without any advance notice which not only severely damaged my credit rating/score, but caused further financial harm as it inadvertently affected my ability to obtain new credit ; due to lowering my credit scores. I found lit my credit limit was lowered when I was at the store making a purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct closed date : XX/XX/XXXX Written off in filed for payoff on taxes tax year XXXX. Company has confirmed this debt has been paid in written off. Numerous attempts to remove negative impact in nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX, TX and was impacted by Hurricane Harvey in XX/XX/XXXX. 
On XX/XX/XXXX i entered into a Federally Declared Disaster temporary forebearance agreement with my mortgage company ( XXXX XXXX XXXXXXXX XXXX ) due to my wife being unemployed due to her place of employment being destroyed in hurricane harvey, i also was out of work for 1 month due to clean up efforts at my home. The terms of the temporary forbearance agreement were as follows : -monthly payment was suspended between XX/XX/XXXX and XX/XX/XXXX -XXXX would continue to accept payments if i was financially able to do so -XXXX would not assess late charges to my account during this period -During the term of the agreement XXXX would suspend all credit reporting -Upon the expiration of the temporary forbearance agreement my payments would increase to reflect any unpaid monthly payments. 

I was unable to make a mortgage payment for XX/XX/XXXX, as per the FDD forebearance agreement XXXX should have suspended all credit reporting. However, in breach of my temporary forbearance agreement with XXXX, on XX/XX/XXXX XXXX reported to Equifax the my account was " Not more than 2 payments past due ''. 
I was thankfully able to make my regular mortgage payment of {$1000.00} on XX/XX/XXXX. XXXX once again ignored the FDD forebearance agreement and on XX/XX/XXXX they reported my account as " 30 days past due ''. Their explanation for this was that they mistakenly applied my XX/XX/XXXX payment to the unpaid amount from XX/XX/XXXX, even though the agreement states that no payment is due until after the expiration of the agreement. 
On XX/XX/XXXX XXXX once again breached the agreement by reporting to Equifax that my mortgage account was " Paying under a partial or modified paying agreement '', which impacted my credit negatively. 
On XX/XX/XXXX i made a double payment {$2000.00} to bring my mortgage account current. I also requested to be removed from the temporary forebearance agreement. I also voiced my concerns over the erroneous credit reports but as of this date XXXX has made no effort to fix the problem. 
XXXX also refuses to release a {$25000.00} insurance claim check from my flood claim so that i can pay for repairs on my home.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to bring to your attention a concerning issue I recently discovered on my credit report. On XXXX XXXX XXXX I obtained a copy of my credit report from Equifax and was alarmed to find several unauthorized hard inquiries listed on my report. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Unauthorized hard inquiries in question were made without my knowledge or consent, and I have no affiliation with the entities that initiated these inquiries. As a responsible consumer, I regularly monitor my credit report to ensure its accuracy and to safeguard my financial well-being. 


I kindly request the assistance of the Consumer Financial Protection Bureau in investigating and rectifying this matter. I believe that these unauthorized hard inquiries are not only a violation of my privacy but may also negatively impact my credit score. 


I have filed a dispute with Equifax on this matter more than 30 days ago and nothing has been done.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 via XXXX marketplace a buyer contacted me to purchase two XXXX  I had listed for sale. The customer and I communicated via XXXX chat. He said he had been banned from using XXXX for payments and would like to pay me via paypal. I said that was fine. He sent me a total of {$720.00} for two XXXX. Before shipping out I contacted the customer to make sure the address provided was accurate. The address I had was in XXXX, WA. The customer said that he would like them shipped to another address in XXXX XXXX, TX. I have records of our communication. I confirmed once again this address in TX was accurate and explained that once shipped out I could not replace, or refund if the address provided was not accurate. He confirmed the address in TX was correct. I sent out the XXXX  and provided tracking. The items were delivered on XX/XX/XXXX. The seller opened a dispute in PayPal claiming he did not receive the XXXX. PayPal asked for proof of shipment I provided the tracking number, Paypal requested proof I sent to the address so I sent the shipping label image which shows the address that was provided by the seller. I also sent a copy of our chat which shows the seller asked me to change the address from XXXX, WA to TX. Paypal, ruled in the buyers favor. I have since learned that this is a common scam, scammers have learned to take advantage of PayPal, they will deliberately ask for a different address to ship to, and then will open a dispute so that they get refunded and they also get to keep expensive electronics, leaving us businesses or sellers out of luck. Paypal advertises safety policies in place to protect buyers and sellers but it seems the only people that their policies protect are scammers who know how to take advantage of their system!
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by TRANSUNION / XXXX XXXX XXXX with Bank XXXX XXXX account # XXXX. Under the FCRA, my rights to privacy and control over the reporting of my credit information are clearly outlined and protected. 
Specifically, I would like to draw attention to two sections of the FCRA that have been infringed upon : In accordance with the fair credit reporting act 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.

Please, I urge you to contact the relevant credit bureaus immediately to request the removal of any potential negative entries related to this account. The presence of this information is hindering my financial prospects and access to financing.
Product: Debt collection

Balance : {$1600.00} On XX/XX/2019 I notified Enhanced Recovery in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Enhanced Recovery refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Enhanced Recovery under the Dodd-Frank Act.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion for failing to protect my credit report from unauthorized inquiries. I recently discovered that my credit report contains inquiries from companies with whom I have not applied for credit. Upon contacting TransUnion to dispute these inquiries, I was informed that I needed to contact the creditors directly. However, these companies have no record of any application in my name, which confirms that the inquiries were unauthorized. 

Under the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, consumer reporting agencies are required to ensure that credit inquiries appear on a report only when there is a permissible purpose under the law. Since these inquiries were not authorized, TransUnion is in violation of FCRA XXXX ( a ) by allowing them to remain on my report without my consent or a legitimate business need. 

Furthermore, FCRA XXXX ( a ) ( XXXX ) ( A ) states that a consumer reporting agency must delete any information that can not be verified as accurate. Because the creditors have confirmed that no application exists in my name, TransUnion is legally required to delete these inquiries immediately instead of directing me to the creditors who have no record of a transaction. 

This practice is not only negligent but also damaging to my creditworthiness. Unauthorized inquiries negatively impact my XXXX XXXX and XXXX indicate potential identity theft or misuse of my personal information. By failing to act, TransUnion is violating my rights under the FCRA and failing in its duty as a consumer reporting agency. 

I am requesting the immediate removal of all unauthorized inquiries from my credit report. Additionally, I request a written confirmation from TransUnion that these inquiries have been deleted and that my credit file has been corrected accordingly. 

Should TransUnion fail to comply with this request, I am prepared to escalate this matter further, including seeking legal remedies for violations of federal law. 

I appreciate the CFPBs attention to this matter and request a prompt investigation into XXXX improper handling of consumer disputes.
Product: Student loan

Why should loans be granted for students or paid back by students who attended classes they didn't want to in order to get a grade that they didn't want from a teacher who didn't have the time or ability to teach the student in the way that they succeeded most?