23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have tried to get the free credit report from TransUnion but their website has indicated it will not send it to me and gives me no option for addressing or resolving their decision. Additionally the site would give it to me no problem if I pay them {$22.00}. Is n't this a violation of the requirement for these bureaus to give the report free?
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XX/XX/2022, the credit agency never did a proper investigation the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. they did not do this also they violated my rights even more, in accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer report. The credit agency stated my report was properly investigated but how is this possible if the open date, date of last activity an date last report are not accurate. This is grounds for removal. XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX XXXX15 USC1681 section 602 A states i have the right to privacy- 15 USC 1681 section 604 section 2 it states a consumer reporting agency can not furnish a account without my written instructions -15 USC1681e ( b ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom there repot relates - 15 USC1681c ( a ) ( 1 ) information excluded from consumer report except authorized under subsection ( b ) of this section no consumer reporting agency may make any consumer report containing any of the following items of information, ( 1 ) cases under title11 ( United States Code ) or under Bankruptcy Act that from the date of entity of the order for relief or the date of adjudication
Product: Mortgage

I am well aware of your statements XXXX XXXX XXXX at Bank of America and you were clear in your response when you mentioned that you need the loan number and the only loan number " off the top of my head '' that I thought of is my Mortgage Loan at XXXX XXXX XXXX XXXX, MI XXXX Loan Number XXXX paid off XX/XX/2017. Please provide any and all records to the CFPB about the loan number you requested.
Product: Debt collection

Company was asked to provided written documentation of signed contract for services provided and did not do so. XXXX investigated and did not provide proper documentation to me either and continued to report this debt on my credit report when XXXX XXXX and XXXX   removed before sufficient documentation was unavailable.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX, XXXX, & Transunion, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within XXXX business days of receiving this complaint. 
XXXX Accounts to be Removed : * XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my XXXX credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiatemy claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of thesteps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to thisurgent matter. Sincerely, XXXX XXXX
Product: Checking or savings account

I went to XXXX by XXXX XXXX and was severely let down by them. My husband and I to this hotel for our honeymoon. We were let down immediately when there was no jetted tub in the room. The bed was so awful that I'm still on muscle relaxers to recover. The water pressure didn't exist. The breakfast was awful. The only good person was the in the evening the night of check and the night after. XXXX told me that the hotel knows its false advertising but they won't change their listing and that my complains are common. I reached out to hotels.com to get my money back and they said no because the hotel won't refund. I called their cooperate and they said not their problem, I went through my bank and they said they hotel won't give them the money back so they won't give me my lonely back. I'm literally trying everything possible to get my lonely back ( the booking was under my husband XXXX XXXX ) I'm unbelievably upset and in disbelief that I'm having to.fight tooth and nail yo get my money back. The manger even came to my room when I wasn't there to check something out, and I asked them to check the water pressure and things like that. And I was told nothing would be done since it was a saturday and it wouldn't be fixed until Monday ( day after I checked out ). I got little to no sleep with the people letting thier kids run around above us and the people on motorcycles sat in front of our window, on idle, with their music blasting at like XXXX on a saturday! I want my money back from this stay now! We stayed form XX/XX/XXXX to XXXX, 2023. We have been working with credit karma and they said because they couldn't get the money back, they won't give it back. And that shouldn't matter. I provided a ton of proof about how this hotel didn't provide me with that I purchased! I booked through XXXX in about XXXX For between XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed on several occasions that the addresses that are listed is inaccurate. Im in the process of getting approved for a loan and with all these variations of addresses the bank Is questioning the accuracy. I have one name and one address and I need my credit report to reflect that
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed several unauthorized and fraudulent inquiries. These unauthorized inquiries include : - 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
Product: Credit card or prepaid card

I havent received a call from Barclays in months and their app isnt user friendly to make payments. I have contacted them in the past in reference to not allowing my bank account to be used. I have a hard time using technology their app isnt user friendly. Thats how I fell behind in the first place as well as I never received call about my account. I would like to settle my account but they have never gave me an option to do that.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

XXXX Dovenmuehle Mortgage has collected money through our escrow payments related to the Loan XXXX and saying that they paid the tax disbursements to the XXXX County tax office , it is also reflecting on XXXX sent by XXXX Dovenmuehle Mortgage for XXXX however the XXXX county tax collectors office is saying they never received any payments from XXXX XXXX Mortgage , and the county tax office is asking for the proof of the payments ( front and back of the check ) payments made to the address and also the property address and to the parcel it was made, XXXX Dovenmuehle Mortgage is not providing any proof and the company is avoiding to pay the money back to us. 
We have written several emails, called customer support who are very impolite, and also faxed the letter received from the county for the non-receipt of the payments. The loan is transferred to the XXXX XXXX XXXX  XXXX XXXX and they are also not providing any proof of payment or the property address to which it was made or to where the payments were sent, we need this to be resolved legally or through the normal process, this incident has occurred on XX/XX/XXXX of XXXX and it is almost six months and the mortgage company is not ready to resolve the issue, this is very unfair and the mortgage company is not bothered or ready to resolve the issue Please see the message received from XXXX Dovenmuehle Mortgage : We received your inquiry, dated XX/XX/XXXX, regarding your county tax disbursement. 

Our records indicate that a county tax disbursement in the amount of {$3300.00} was made to XXXX County on XX/XX/XXXX, via check number XXXX. Please note that when we send out tax checks, they usually are in a mass bulk check, containing multiple borrowers payments. For this reason, we are unable to provide copies of these checks. Please follow up with your county regarding this payment. 

Message from the XXXX County Tax collector office : XXXX XXXX XXXX XXXX County Trustee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX. XXXX  XXXX XXXX, TN XXXX XXXX XXXX : XXXX XXXX Property Taxes for XXXX XXXX XXXX XXXX XXXX, TN Parcel ID # XXXX Dear XXXX, I am enclosing a paid in full receipt for the XXXX taxes for XXXX Elk XXXX XXXX XXXX We have received a single payment from XXXX, check # XXXX, on XX/XX/XXXX. No duplicate payment from Dovenmuehle Mortgage has been received. I spoke with our Corelogic Tax Service representative and Corelogic did not receive a payment from any mortgage company this year, as they have in prior years for this parcel. 
Please let me know if you need additional information or assistance. You may e-mail or call our office at ( XXXX ) XXXX. 
Sin.c-e-rely,  XXXX  XXXX XXXX, Trustee c_, ~
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( 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. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX sold us tickets to a concert at XXXX in XXXX XXXX on XX/XX/XXXX. Tickets were represented on a seating map as being Box seats in the Front Orchestra.  When the tickets were delivered it was clear they were in the last row of the Rear Orchestra, or instead of being $ XXXX seats they were {$70.00} seats. There are about ten correspondence with the company that they would look into it and finally that they would reimburse {$170.00}, on a {$590.00} charge. 

We filed a complaint with the Citi Visa a few days after the charge and on XX/XX/XXXX realized that they had accepted XXXX explanation. No one from Citi Visa contacted me and the letter on line is a form  letter with no explanation that is appropriate to the dispute. XXXX maintained they delivered the cheap tickets. Citi Visa has a misleading accounting system on my account where they show the {$590.00} charge and a - {$590.00} dispute, but it isn't an accurate representation of the facts. 

I called Citi Visa today and they say they will investigate the matter and resolve it in 14 days, but since they didn't call me on the original complain I have little faith in their ability to be effective in a resolution. I also contact XXXX that provides the Citi Visa and they said there was nothing they would do.
Product: Debt collection

As I received your reply via CPFB, it does not look like you are going to provide what I need to solve this case. Here I will submit it again.

Hello, thanks for reducing the amount. However, I think I made the point simple and clear. I have disputed this via XXXX 8 times. I contacted you for getting more proof for this debt a couple months ago. I sent a follow-up email to your company regarding the proof, I don't get response yet. It looks like XXXX XXXX is not capable of providing the proof that I requested. That's why I made my point in the complaint - " they should've contacted me about the maintenance issue within 30 days after I moved out. Not sending my information to your company a year later. ". So let me make it clear here again : From the document you sent : Stove, refrigerator, dishwasher, toilets, bathroom sinks, miniblinds left filthy. Walls very dirty, required full paint. Water leak not reported by residents caused serious mold & damage to kitchen wall & countertop. Required full replacement of countertop, sink & faucet. Partial wall replacement Please provide photos that you took before you repaired these issues. I also have photos right before I moved out, so we can compare. And this does not make any sense, correct me if I am wrong : XX/XX/year> Cert. Mail Fee Certified Mail Fee to mail deposit disposition XXXX XXXXXX/XX/year> Security Deposits Security deposits from holdings XXXXXXXX XXXXXX/XX/year> Pet Sec. Deposit Security deposits from holdings XXXX It says in the document you sent, you charged me {$15.00} for sending my deposit via certified mail to me, and then you hold both of my security and pet security deposit. So what deposit you have sent to me via certified mail? In conclusion, please send me the photos as the proof/evidence of debt I request above, I think it's the most straightforward thing to do. If you are unable to provide the proof or evidence that these were caused by me, please remove this account from the credit bureaus.
Product: Mortgage

The representative for 30 minutes we reviewed my rate, closing cost and cash back to borrow. She kept asking me to do a rate lock and request and appraisal using my credit card. As soon as we hung up and after I paid the {$500.00} I go online and the loan estimate has changed arbitrarily. I was to get back over {$1700.00} and now a little over a hundred. We discussed this in detail. In a matter of an hour it just changed itself. I called and was only able to leave a message. This is bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated the Fair Credit Reporting Act many times. Over a period of at least eight years, Equifax has failed to correct information on my credit report ; failed to timely release my credit report to either me or potential creditors ; and intentionally and fraudulently falsified my credit report in retaliation of my filing complaints against them... Equifax blames the provider and the provider confirmed that they did not provide the false information. There is no problem with XXXX XXXX or XXXX. My credit is " excellent '' and yet of having difficulty in obtaining credit as Equifax will not release my credit ; and will not provide any reason. 
Each year I order my reports via XXXX. In XX/XX/2020 I wrote to Equifax correcting information on my credit report. The only response was another report without the corrections. On XX/XX/2020 I sent another letter advising of the corrections needed. Some of the corrections have been made for 2 or 3 times over the years. Documentation was sent multiple times. 
I have no response to the letter of XX/XX/2020 outlining both old and new errors. ' I have filed complaints with CFPB and WA XXXX but neither has any authority to get this corrected permanently. I can't afford attorney.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX and the information listed below, which appears on my credit report, is a result of that XXXX 

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. ( XXXX Account # : XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and XXXX documentation enclosed. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX  Documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing for immediate assistance as I am furious with BMW and XXXX regarding erroneous and incorrect credit reporting done on my account. 

On XX/XX/2020 the loan on my XXXX XXXX account ended. I contacted BMW and was told that I had the option of paying the car off in balloon payment, getting a new XXXX or refinancing through your third party refinance company XXXX. I was told by BMW that I had 30 days from XX/XX/XXXX to make a decision before any credit reporting would be done. On XX/XX/XXXX I contacted XXXX as I decided to apply for a refinance for this vehicle. This refinance was approved on XX/XX/XXXX. I specifically asked and was told that as of this date, XX/XX/XXXX, that my account would be placed in a hold status with BMW and no negative reporting would be done as the account was in a refinance status. So to my surprise when I wake up this morning and see that BMW has reported me as 30 days late on this loan and caused my credit score to drop 47 points. I am completely furious and demand this is corrected immediately. 

The facts of this are below : On XX/XX/XXXX the old Account expired. I contacted BMW for options to keep the car or get a new car and was referred to XXXX. 

I applied for the refinance of the XXXX and was approved on XX/XX/XXXX by XXXX. I asked the representative on this call and numerous times after if I would be reported as late by BMW and was told NO I would not be reported late as the account was placed in a hold status on XX/XX/XXXX. 

On XX/XX/XXXX the loan with XXXX was initiated. 

On XX/XX/XXXX BMW received the payoff for the old loan. 

New loan began. 

I am demanding that BMW correct my credit report immediately or I will seek legal action against BMW and XXXX for this erroneous and incorrect reporting. Please respond with your intent to have this corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for credit and upon a pull of my consumer credit report was denied due to a charge off which is listed in error. XXXXXXXX XXXX  a former creditor of mine continues to report an old account on my report despite the account being written off as bad debt. Since the count is written off as a loss it counts as a write-off for the bank and as ordinary income for me ; however, the bank has not provided me with a form 1099C so that I may file taxes against this additional income. Instead that continue to report the account as charged off on a monthly basis ( which is inaccurate as well because it was only charged off one time and therefore should only be reported once ) they also report it as having a past due balance which is all inaccurate because the balance should be XXXX since they have forfeited their right to collect the debt as a charge off. Given the above, this item should be deleted from my report as it is inaccurate. I have made attempts to request a 1099C from the bank and have not gotten a response ; however, the fact still remains that with or without that form this entire item is inaccurate for the reasons stated above. Deletion from the three major credit bureaus is hereby requested.
Product: Bank account or service

On XXXX XXXX, 2016, I deposited an old payroll check via ATM teller ... I found the XXXX XXXX XXXX payroll check within my storage unit. Since there was no expiration date on it, I decided to collect my unpaid funds. After Bank of America cashed it and they later performed a charge-back on my account : XXXX XXXX XXXX XXXX XXXX ) due to the issue date. I was also charged a fee of {$12.00} due to the date of the check by Bank of America. 

I am requesting the amount of the XXXX XXXX XXXX XXXX check in the amount of {$170.00} refunded back into my Bank of America account as well as, the {$12.00} fee taken out of my bank account balance. 

*I can be reached via the following information below regarding my bank account complaint : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B says we must erase any wrong stuff from my credit report. Can you check the papers? Some accounts listed are wrong about what's reported, like the amounts and dates.
Product: Student loan

I was divorced in XX/XX/2013 and went to living on a single income where I could not afford my student loan payments. I went through deferments because I was not allowed the income based repayment plan. I contacted Navient more times than I can count to try and figure some sort of repayment plan out.
Product: Credit card or prepaid card

someone had applied for a capital one account in my name and i did receive a phone call to find out if i submittted an credit application and i don't recall applying for a credit card and i was told that the inquiry should be removed