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

I am writing to file a formal complaint against TransUnion due to unresolved inaccuracies on my credit report, coupled with an unjust refusal to investigate legitimate consumer disputes. The CFPB needs to investigate TransUnion for its unfair and deceptive practices. 

The following are errors that remain unresolved on my credit report : 1. Public Record ( Reference Number : XXXX ) : TransUnion previously responded with a claim of verification through " XXXX XXXX XXXX FLORIDA. '' However, TransUnion, as of XXXX XXXX XXXX, obtains bankruptcy information from a third-party vendor, XXXX. Upon contacting XXXX on XX/XX/XXXX, I received a response dated XXXX  with a Notice of Bankruptcy Case Filing that does not accurately match my name and truncated social security number. This public record is not verifiable and must be removed from my credit report. Attached : Copy of XXXX 's response for your review. 

2. XXXX XXXX Accounts ( Account Number : XXXX ) : ** Two accounts under XXXX XXXX are not reporting accurate or complete information. One account shows a last activity date oXXXX XXXX no date of last payment, and an inconsistent payment history. The other account, open since XX/XX/XXXX, does not report any payments made, which is inaccurate and incomplete. Both accounts need to be removed from my credit report. Attached : Response from XXXX XXXX XXXX received on XX/XX/XXXX. 

3. XXXX XXXX XXXX Account ( Account Number : XXXX ) : Despite previous disputes and a complaint filed with the CFPB, this account is not reporting accurate or complete information. TransUnion has not provided investigation results. The CFPB suggested contacting the XXXX XXXX XXXX XXXX, but no contact information was provided. This makes the reported information unverifiable. Attached : Copy of the response from XXXX XXXX XXXX XXXX. 

4. XXXX XXXX XXXX XXXX Account ( Account Number : XXXX ) : Despite evidence provided by XXXX XXXX XXXX confirming the account 's full payment as of XX/XX/XXXX, TransUnion has not updated its information. This account needs to be removed from my credit report. Attached : Copy of XXXX XXXX XXXX XXXX 's response. 

5. XXXX XXXXXXXX XXXX Account ( Account Number : XXXX ) : XXXX XXXX XXXX confirmed credit revocation on XXXX XXXX XXXX. However, TransUnion reports conflicting information, with the date of last activity as XX/XX/XXXX. This account must be removed from my credit report. Attached : Copy of XXXX  XXXX XXXX 's response.
Product: Debt collection

I am the consumer, original creditor and natural person. Navient has committed mail fraud pursuant to 18 USC 1341 by mailing me bills on a weekly basis requesting payments on fraudulent loan accounts that it opened in an attempt to defraud me to obtain money from me. Pursuant to 18 USC 8, the United States is responsible for all bills, not the consumer. Navient is a treacherous, devious, and evil entity.
Product: Debt collection

States returned check as account type, I have not used checks nor had a returned check in the amount of {$80.00} or any amount. Asked Global Payments Check to show proof of debt and identity they have not responded and it has been 60+ days. Please assist with removing this from all 3 credit bureau reports.
Product: Checking or savings account

XX/XX/year> opened new checking account E*Trade from Morgan Stanley XX/XX/year> deposited 2 checks {$1100.00} and {$1000.00} into New account E*Trade notified via email account features online were not available. Instructed us to call them XX/XX/year> called ETrade representative XXXX, they required proof of identification via their secure portal : Drivers license front back, all four corners, social security card front, back all four corners. Bank statements where we sent the checks from. Also y husbands identification. 
Allow XXXX hours for approval Called back XXXX said 24 hours again to open the online account Iasked for a supervisor to call me back. Never happened. 
XX/XX/year> XXXX said take license on a white background. XXXX XX/XX/year> XXXX XXXX could not help, XXXX took the call. You have not submitted your bank statements. Hold for XXXX minutes. He said you did submit. It will now go for vetting. 
XX/XX/XXXX not yet vetted send your licenses again. Hold for XXXX minutes. We found the licenses. We need XXXX hours to approve. I asked can the funds be returned via ACH. Response was certainly. 
XX/XX/year> XXXX XXXX We can send funds back via a check. Call back in XXXX hours XX/XX/year> XXXX could not see my accounts transferred me to XXXX send us XXXX  with drivers license XX/XX/year> send us LOI via portal for check to be issued from your checking and savings because your license is a copy from the internet! Re sent docs again via portal No resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. This account is reporting late as reported in XXXX. Lets correct this immediately. XXXX is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX BANK XXXX XXXX XXXX )
Product: Credit card

Ordered a product from what I thought was a reputable business and have since found out that this business ( XXXX XXXX, XXXX located at : XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, CA ) is a scam. I 've called my credit card company and they have n't done anything about back charging this business for the product never have been shipped to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reports act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish a account with out my written instruction.
Product: Credit reporting or other personal consumer reports

I requested a copy of my consumer reports and I've notice i have some unauthorized inquiries that i did not initiate! I believe i may be a victim of identity theft and I would like these unverified and unauthorized items to be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time.

18 U.S. Code 1028A - Aggravated identity theft- ( A ) ( 1 ) Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX  years. 
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 ; THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Credit card or prepaid card

hi. i cancel the flight and XXXX XXXX email me that i did qualified for a waiver ( see attached email as proof ) capital one promise to refund ( see attached email as proof ) but they re bill. on XX/XX/2020 i spent 2 hours on hold with capital one trying to resolve the issue. cap one email me a link to uploaded all my proof which i did. the same day cap one mailed me letter denying my claim. cap one never process any of my proof. i called again on XX/XX/2020. i spent 2 hours one the phone. cap one email a link i uploaded the info and the same date cap one mailed me letters denying my client. cap one has fraudulent practices. they don't review any of the proof and instantly created a denying letter. cap one alleged visa denied the claims.however i had resolve peacefully and easy the travel disputes with XXXX  and XXXX which also used visa. please research i'm tired of writing letters, sending emails and wasting so much time on the phone. cap one it's been abuse it toward me.PLEASE PROCESS MY 2 REFUNDS. thank you
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

1. ) In XXXX USAA decided to reverse the decision made on a billing dispute the year prior in violation of fair credit billing practices laws, including regulation Z. 2. ) Despite immediately requesting copies of all investigative materials and documents to support their decision I have still yet to receive anything more than copies of my credit card statements. 3. ) Immediately after my request USAA began taking adverse action in violation of consumer protection laws. 4. ) In response I filed a complaint with the CFPB. USAA once again responded by taking even further adverse action in violation of consumer protection laws. 5. ) The statements I did receive do not add up for my account ending in XXXX. * Statement closing date XXXX/XXXX/XXXX shows a balance of XXXX of which there was/stiil is charge in dispute for over {$500.00}. * Statement closing date XXXX/XXXX/XXXX shows {$710.00} in new purchases for a balance of {$910.00}. This statement also shows the account being closed and available credit being XXXX. XXXX Statement closing date XXXX/XXXX/XXXX shows multiple credits totalling {$1300.00} yet, the total value for the period is shown as {$0.00}. Furthermore, this statements shows further charges despite the account already having been closed, and XXXX available credit as of the previous month. So the balance shown is now {$6600.00}. Which makes no sense. If the account was closed in XXXX, and has been reported as being closed to the CRA 's how could it then have been charged or made purchases? I have not received any notices of the account being re-opened, and it 's being reported as closed with a balance tapping into my other lines of available credit lowering my credit score. XXXX. ) No notification, statements or documents have been received after the initial document confirming receipt of my billing dispute in XXXX either. Nor do I see the charges for the charge in dispute being credited either.
Product: Student loan

I currently have Navient as my student loan servicer. I have received numerous harassing phone calls from them stating that I was either late on my payments or the payment amounts were incorrect. Almost every month after I had made my payments early, they would call and say that I was late or I did not pay enough. So after I was manipulated into believing that I had paid the wrong amount, I sent more money and then increase the amount the next month. I was convinced by Navient that the phone calls would stop if I paid, but they did not. They kept calling me each month with the same story. I sent this email to their " Consumer Service '' email address : To XXXXXXXXXXXX XX/XX/2016 at XXXX Dear Navient, The information you have about my account is incorrect. I was told that the amount I 'm supposed to pay is {$110.00}. In the month of XXXX, I made two payments ; one for {$100.00} and one for {$110.00}. These payments were made before my due date ; at least a week or more. 

The emails you send are so conflicting and misleading. They do not contain adequate information such as loan/account numbers, monthly totals, etc. They are very vague and seem to be intentionally misleading. When receiving these emails and collect calls, I become XXXX. I ask myself why is Navient continuing to contact me for payment and I am making payments. Once again when my loan was with XXXX, I had no issues. I was n't harassed for payments because, like I 'm doing now, my payments were always made on time and for the correct amount. 

Just a quick note, all the emails you have sent are being kept. I am printing them out an comparing them to my payment dates from my online banking account. Thank God I make my payments through my bank. Also, I will be notifying them about you all. This is just a precautionary measure in case you guys try to send a payment back or say you did n't receive it. I just want to make sure they are on the look out for any fraudulent practices. I 'm not making accusation about the fraudulent practices ... .it 's all over the Internet and in the news. 

In the meantime, can you please update my account so I will not continue to receive these harassing collect calls for no reason? 

Thanks in advance. 
-- -- -- - Even with this email the phone calls still kept coming. Here is another kicker ; when I was receiving these phone calls, I was in school and Navient knew it. 
They can not continue to get away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just tried to install a credit freeze in my Transunion account. Their website is deliberately blocking me from doing this. Although I can log their website, their Credit Freeze link directs me back to their login site, which then does not recognize my login information. 
Setting up a Credit Freeze was trivial for XXXX  and XXXX. In my experience, this is not an accident, Transunion is deliberately making it more difficult to setup a Credit Freeze, which they are legally required to do. 
Thank you.
Product: Mortgage

This is in regards to a mortgage serviced by Cardinal Financial Corporation, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. 

On XX/XX/XXXX my loan was paid in full. An escrow refund of {$2600.00} was due to be paid to me at this time. On XX/XX/XXXX, Cardinal Financial sent a check to the property address, where I no longer reside. USPS failed to forward the check, despite having a change of address filed with USPS. 

I called Cardinal Financial on XX/XX/XXXX and waited on hold for over an hour before the call was dropped by Cardinal 's phone system. I called back and spoke with a representative on XX/XX/XXXX, who told me I had to wait 30 days after the original check was issued to request a new check be sent out. 

On XX/XX/XXXX, I called back and spoke with a representative and requested that a new check be sent out to my current mailing address. On XX/XX/XXXX I sent a request through Cardinal 's secure messaging service on their website asking for the escrow refund to be sent again. As of XX/XX/XXXX, I have not received an escrow refund check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I have disputed these unauthorized fraudulent accounts that has been on my credit report for some time now. These accounts are not known to me, I'm a XXXX  with a very common name, not sure if this caused the mix up but I'm hoping that the credit bureaus straighten it out. I'm demanding that these accounts be blocked immediately so that my true credit data will reflect my true credit status. Please block the following accounts ... [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX [ 4 ] XXXX XXXX {$230.00} [ 5 ] XXXX XXXX XXXX Please provide certified physical documentation of these accounts or please block them immediately and permanently.
Product: Debt collection

I've been getting letters in the mail from random attorneys saying they can offer me help because I'm being sued by " Portfolio Recovery Associates '' ... they are breaking the law by threatening me with legal actions... The only letters I've received are attorney letters offering to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I  should not have. I had paid this over the phone and was under the impression the payments went through, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint for FCRA Violations Dear Experian, I am writing to formally file a complaint against Experian for your consistent failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681e ( b ), 15 USC 1681i ( a ), and 15 USC 1681c. Your continued negligence and failure to accurately address and rectify discrepancies within my credit report have compelled me to take this action. 

Specific Violations by Experian : 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

15 USC 1681i ( a ) : Negligence in ensuring that furnishers of information comply with their obligations.

15 USC 1681i ( a ) : Failure to properly reinvestigate disputes and remove inaccurate information.

15 USC 1681c : Inclusion of obsolete information in my credit report. 
Despite my repeated attempts and clear documentation of errors, Experian has failed to properly investigate these disputes and, in some cases, has reinserted previously disputed errors without adequate notice as required by law. This conduct not only violates the FCRA but also poses a serious threat to my financial wellbeing. 

Recently, I became aware of a lawsuit initiated by the Consumer Financial Protection Bureau ( CFPB ) against Experian, accusing them of conducting sham investigations of credit report disputes. The CFPB 's lawsuit underscores systemic issues within Experian that reflect the challenges I have encountered, highlighting the failure of Experian to conduct legitimate and thorough investigations into consumer disputes. 

List of Disputed Accounts : XXXX XXXX XXXX  XXXX ( Account No. XXXX ) : Incorrect reporting of delinquency status and balance of {$1300.00}. 
XXXX XXXX XXXX ( Account XXXX. XXXX ) : Incorrect collection status reported, balance {$1000.00}. 
XXXX XXXX ( Account XXXX. XXXX ) : Reported credit limit and charge-off amount inconsistencies, balance {$4500.00}. 
Complete List of Complaints Filed : XX/XX/year> - Complaint ID : XXXX - Incorrect information on your report XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Incorrect information on your report Given these unresolved issues and the severity of your non-compliance which significantly impacts my personal and financial life, I demand a thorough investigation and the immediate deletion of these inaccuracies. 


Thank you for your immediate attention to this critical matter. 

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

I paid money in advance to a credit reporting agency. I did not get a full report of everything that was done by the company ( Lexington Law ) against me in particular. 
I have been trying to get in contact with someone of authority, I would prefer to speak with XXXX XXXX who is the directing attorney who is the attorney mentioned in the CFPB lawsuit. I want to find out what violations they conducted against me specifically. I have been unable to get in contact with a licensed person who is authorized to give me this type of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to correct their error on 2nd mortgage from XXXX that the loan was paid off full. They claim from XX/XX/XXXX to XX/XX/XXXX late payments however they failed to honor the letter from that company. Company letter state clearly loan paid in full without any late payments. 
Second issue XXXX XXXX XXXX XXXX went out of business in XXXX, KS and their credit card issued is closed based on closure of company with no payments or balance. 
Third issue since Equifax breech they all of sudden change my credit rating from XXXX as of XX/XX/XXXX down to XXXX currently without reason or justification. Since the breech I 'm on a temp watch on this company but I do have other agencies watching my credit since their system failed.
Product: Checking or savings account

Wells Fargo received my direct deposit of {$460.00} and this morning they removed it. This is a XXXX problem again. Their answer is sorry for the inconvenience were working on it. They act like they dont know what happened. Meanwhile my account is negative because the money was there for at least 24 hours.