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

THIS IS NOT A DISPUTE REQUEST. 
DO NOT FILE A DISPUTE. DO NOT ADD A SECURITY ALERT TO MY FILE. DO NOT MAIL A COPY OF MY CREDIT REPORT. I called TransUnion on XX/XX/XXXX, XXXX l dialed ( XXXX ) XXXX. Because TransUnion has excessive hold times, I requested a call back. About 45 minutes later I received an inbound call on or around XXXX XXXX  PDT. It was a male agent. After his introduction, he stopped talking ; however, my phone was still connected. I kept saying " hello agent are you there? '' There was no response. Either the system disconnected or the agent engages in call-avoidance. This is not a onetime isolated event ; this is a pattern and practice. Please sanction the employee and TransUnion.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, TransUnion responds in 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This process violates the Fair Credit Reporting Act ( FCRA ), 12. U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have asked them to provide me a document in the mail showing this is a real debt with the amounts and dates because I settled this with XXXX years ago. They threatened me with jail time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft around XXXX of 2012. I have been having issues with my credit for years. Moreover, most issues are resolved however some not. I have contacted the Credit Bureaus to ask them to investigate these collections/debts it is no knowledge, not mine. I dont hear anything from them but see its updated on file, I respond again because I not only see its from a residence Ive never resided, I see its an open account, which is impossible because I currently have same provider and have had same provider for at least a decade. I write the credit bureaus asking them to validate, again no validation or proof bearing legality. I have not been contacted by phone, by mail, by anything. My information has been the same for at least a decade. I even had a few credit cards, now paid off they have listed as charged off, which is inaccurate. I called these companies and they all say I should be contacting the credit bureaus. Its more confusing because all 3 major credit bureaus have conflicting information. I send them a photo copy of my valid current ID, a utility bill and my phone number asking them to PLEASE remove all the other listed wrong names and/or addresses on my profile, which were never mine, they never did that! I tried to contact the debt collector myself theyre so rude, they want all my personal information but if they rightfully have this or this was valid they would have that. Please help. I dont know what else to do! I dont know much about the FCRA laws, but since my identity was stolen and working to get it back on track, I know this is wrong. I know the way some of these collections agencies are wrong. Validate the debt. Credit bureaus do your due diligence if its not validated, remove it from profiles. Thank you.
Product: Credit card

Several months ago, I purchased a pair of pants online from XXXX XXXX, using their store credit card.l They cost approximately {$3000.00}. I am XXXX XXXX XXXX, and had trouble keeping up with XXXX XXXX XXXX  ( their official name is " Comenity Bank '' ) short payment periods. I kept getting hit with late charges of {$35.00} each, and 35.99 % interest. I was running late the bill cycle before last, so in order to make the due date I paid the entire balance over the phone using my checking account ( which they said you could do ). I followed the instructions, and was led to believe that the payment had been made. Subsequently I get another bill from them with another {$35.00} late fee. I call them and tell them I paid that bill in full over the phone, and they had a record of my call on XXXX XXXX, but they said the transaction didn't go through, I told them that was their fault not mine, but they didn't care. In sum, I have paid them around {$200.00} for the {$30.00} pair of pants.
Product: Mortgage

To whom it may concern, I feel that freedom mortgage is intentionally delaying the approval of my home refinance in order to gain more money out of me thru the increased fees of a rate expectation. On XXXX XXXX. XXXX I filed an application to refinance my home mortgage to pay off my credit card debt that I occurred in the repairs of my home. XX/XX/XXXX I called XXXX to see if I was approved and I was informed that my application was canceled and no explanation as to why. So I re applied at the same interest rate and the same amount to be borrowed. It is now XXXX XXXX, XXXX and I still have no approval on my refinance and I received a notice of unrealistic demands from freedom mortgage In order to come to a decision. 1. Freedom mortgage wants XXXX from all of my employers in XXXX by XXXX XXXX. By law employers have until XXXX XXXX to send out XXXX and I have not received mine so I can not comply with the demand from freedom mortgage. 2 I have given freedom mortgage all the documents that were requested of me in a timely manner and gave my reasoning as to why I did n't have some documents in my possession and freedom mortgage knowingly understood and accepted my justifications. I will not be held responsible for the delay of the approval of my refinance or any changes included by the inaccuracy and unorganized ethnics of freedom mortgage. 
Thank you for your time in understanding my concern
Product: Checking or savings account

On XX/XX/XXXX I received emails from Bank of America saying I opened a safebalance account but I never did that. I tried to contact Bank of America but the phone automation always asked for account access number which I don't have.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE IAM A FEDRALLY PROTECTED COMSUMER THIS FRAUD ACCOUNT MUST BE DELETED AND REMOVED OFF MY CONSUMER REPOER PERMANENTLY AND INDEFINITELY NOW!!!! 

XXXX XXXX XXXX Reported : XX/XX/XXXX - {$460.00} Needs Attention Overview You have 89 % left to pay on this loan. 

Balance {$460.00} Highest Balance $ 520 Monthly payment {$25.00} Opened XXXX XXXX, XXXX ( 6 mos ) Term 24 months Payment History Youve made 100 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 30-59 Days Late Worst Payment Status Current Account Details Account status Open Type Secured loan Responsibility Individual Remarks No Info Times XX/XX/XXXX days late XXXX Closed No Info See an error? 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I made Several attempts to XXXX, Transunion, XXXX remove the Bankruptcy off my credit report. it showing that I filed a XXXX  XXXX with i didn't. and XXXX  XXXX I ask them to verify the information and they haven't been able to. I need this to be remove from my credit report and it in violation of the Fair credit Reporting Act 1970.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a late payment in XX/XX/2022. In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a report without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are incorrect and they are affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2019 I made a purchase through XXXX to the plug closet which was an online boutique. On XX/XX/XXXX I placed an order with them for a wallet and a handbag which totaled to {$280.00}. By XX/XX/2019 I still had not received any merchandise from them even though I was told it was 5 to 10 processing days plus 2 day shipping. Between XX/XX/XXXX and XX/XX/XXXX I have reached out to the company over and over again to try and see if my merchandise was on its way if I were going to be receiving merchandise or if I was just going to get a refund. The company and I finally decided that I would receive a refund between 7 to 10 business days and I still have not received anything from them to this day! I reached out to my bank Wells Fargo to see how they could help me with this transaction since I sent my money through XXXX through Wells Fargo. Wells Fargo told me that there was nothing they could do to help me because they see it like a cash transaction even though there's proof that I sent the amount of {$280.00} to the company. I reached out to Wells Fargo once again to see if they could help me with this transaction and I have an open claim with them now for the second time! I really feel like that I'm not getting any kind of help with any of this so I'm coming to you to see what we can do to resolve this.
Product: Credit card or prepaid card

On XX/XX/2019, I arrived at a Banana Republic store to do some shopping. I hold a Banana Republic store credit card administered by Synchrony Bank. However, I realized at the check out counter that I had left this card at home. So began a series of unfortunate events. The Banana Republic representative checking me out tried to access my account by prompting me for my social security number, without success. When that didn't work, I worried the issue was that I had not yet activated the new card that had been sent in the mail some weeks prior. The Banana Republic representative thought it likely that this was the problem and offered reactivating my account as the best resolution. The reactivation process strongly resembled the process for opening a new account, so on several occasions I verified with the representative that the process would *not* open a new account. I also explicitly verified with the representative that this process would not result in a hard credit inquiry. However, the representative was wrong on both accounts. When I returned home I received an email from XXXX XXXX alerting me to a new inquiry against my credit and, upon logging into my online Synchrony Bank account, I found that a new Banana Republic credit card account had been opened. I promptly closed the new account and called Synchrony Bank to request that the inquiry be removed from my credit report. On XX/XX/2019 I received the attached letter from Synchrony Bank denying my request. 

It seems unreasonable to expect a consumer, faced with a company representative that says one thing and a company document that says another, to be responsible for discerning which source is correct. I hope that Banana Republic and Synchrony Bank will recognize their responsibility to resolve this conflict by removing the hard inquiry against my credit.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX violates my consumer right to privacy under the FCRA,15 USC 1681 ( a ) ( 4 ), EQUIFAX willfully causing me harm and mental anguish by reporting invalidated accounts information on my consumer report without my written instructions and consent as mandated under 15 USC 1681b ( a ) ( 2 ).

EQUIFAX never provided me with a notice of negative information in writing as mandated under 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 15 USC 1681s-2 ( 7 ) ( B ). My federally protected right have been violated in multiple counts, EQUIFAX is intentionally, willfully and knowingly ruining my reputation and my credit. ( Please see attached filed for more details )
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some inaccurate information on my credit report from XXXX XXXX XXXX and reached out to them and XXXX, Equifax, and XXXX to dispute. There was an investigation done and all the collection accounts from XXXX XXXX XXXX were removed. Now they have reappeared on my credit report with the exact same inaccurate information as before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF MY PERSONAL INFORMATION BEING COMPROMISED THROUGH SEVERAL DATA BREACHES WITH EQUIFAX, XXXX  AND OTHER CREDITORS WHICH HAVE LED TO UNAUTHORIZED ACCOUNTS BEING OPENED AND REPORTED ON MY CREDIT REPORT. PLEASE REMOVE THE INFORMATION THAT I HAVE PROVIDED IN THE FTC REPORT AS SOON AS POSSIBLE.
Product: Credit card

- Repetitive declined transactions with no active subscription or authorized payment.

- Drastic change in credit limit and APY on 2 AMEX cards- no history of neglect. 
- Please note : I've also noticed a shift in the algorithm/ partnerships with rewards and benefits over the past year or so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX will report current statement balances to XXXX but does not ( two ) updates on XX/XX/XXXX & XX/XX/XXXX doesnt report same updates to XXXX this report they hold at last update of XX/XX/XXXX which shows a much high % use of credit which is not true. It appears as if they are intentionally trying to make my credit look BAD even though it is in good standing ( just my opinion but that seem to be a illegal act unless this is a truely a an honest mistake, Then think they would correct in less then one Hour. But filed complaint with XXXX a week ago they were requesting a copy of credit report but still shows same as XX/XX/XXXX report unlike XXXX  who they have updated correctly twice sence XX/XX/XXXX report.
Product: Mortgage

I am livid with Nation Star for refusing to work with me on a fair resolution to satisfy my foreclosure. I had to re-apply numerous times because Nation Star purposely used wrong property value and/or labeled my home as a single family residence to avoid approving my loan for XXXX XXXX modification. I was approved for XXXX non-affordable modifications based on incorrect property value. Nation Star used an inflated property value to justify the outrageous trial payments and after submitting my own appraisal and proving them wrong they retracted the offer and allow me to re-apply. Again, they continue to use wrong property value and offered trial payments that were not affordable. This is when I began to get frustrated and decided to contact my investor directly. My investor advised that I was eligible for all government modifications and based on my property value my monthly mortgage payment should not exceed {$1800.00}. I provided all proof submitted to Nation Star and was told I would be approved within 30 to 60 days. Once again that never happened because according to Nation Star my property value had increased over XXXX within 30 days. I demanded proof and when I receive Nation Star 's BPO they used a commercial building to increase my property value for their benefit. Finally, my investor contacted me XXXX 2015 and advised to not file a complaint with my attorney general nor cfpb because they had approved a new modification that would help me called XXXX XXXX. Finally, I was relieved and static to find a solution to this problem that had begun to affect my well-being. Unfortunately, my positive outlook was cut short when Nation Star continue to deny me mortgage assistance. To my dismay it has taken over a year to get approved for XXXX XXXX despite my investor reaching out to me directly based on my eligibility. Nation Star has and continues to label my home as a single family residence when it clearly shows in all BPO 's, Appraisals and XXXX county records that it is a XXXX to XXXX unit property. Regardless of all proof Nation Star conveniently continues to make internal mistakes to deny XXXX XXXX Modification. Moreover, Nation Star was sued and I was part of the settlement therefore Nation Star 's underwriting department advised my loan would be considered for XXXX modification. After advising Nation Star this was my next step they finally decided to review my loan for XXXX XXXX. Nation Star claims they are reviewing me because they received enough proof to move forward. I am terrified to lose my home therefore I am submitting this complaint to ensure they do modify me under my city modification. I have tried to work with them for the past 2 years and they have done everything to deny me assistance and prolong my foreclosure. I trust that with this complaint my loan will be modify under XXXX XXXX modification so I can satisfy my foreclosure. I have done and continue to do everything in my power to save my home. Please help me in this stressful matter. Thank you for your assistance.
Product: Debt collection

XXXX and XXXX is attempting to collect a debt from me on behalf of JP Morgan Chase. However I am a creditor in XXXX and JP Morgan Chase is in possession of my stolen property and is violating my rights by trying to collect from me. This debt is currently being disputed in bankruptcy and there in an ongoing criminal trial and net they are debtors to me and committed massive fraud, so I owe them nothing. I do not wish to speak to anyone from either company, and any attempt to contact me is inappropriate and is harassment. Resolve the matter through XXXX, which is the restructuring agency. Also, you better revoke the toxic stuff you reported to credit bureaus about me not paying my debts on time. YOU DEFAULTED ON ME! YOU DON'T PAY YOUR DEBTS ON TIME! YOU ARE HARASSING ME! STOP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey my name is XXXX XXXX XXXX and i have tried many times to rectify this issue with EXPERIAN. At this point i feel that i have been taken advantage of and treated unfairly. I have sent many dispute and this company just fail to follow the law and properly investigate this matter. these negative items on my consumer report has made it extremely difficult for me to obtain any type of credit.b I am hoping we can rectify this issue and remove the fraudulent items from my consumer report
Product: Credit reporting or other personal consumer reports

I contacted Transunion and requested a credit report. While looking over that credit report I noticed some Hard Inquiries. Some have permissible purpose, some do not. According to 15 USC 1681B if these do not have permissible purpose they shouldn't be on my credit report. Please remove the following Hard Inquiries listed on my credit report that do not have permissible purpose. 

-XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, SunTrust Bank ( STB ) allowed a hacker to transfer {$500.00} from our checking account to a new payee. Upon email notice from STB, we immediately call STB Fraud XXXX and asked to stop this unauthorized withdrawal. STB helped us set up new ID and PW and suggested we file a Fraud Case application. We submitted the Fraud application online XX/XX/XXXX, and a Case # XXXX was assigned. STB sent their XX/XX/XXXX letter via email denying our claim. We called STB and submitted a rebuttal/appeal with additional information on XX/XX/XXXX. On XX/XX/XXXX, STB denied our rebuttal. The 2 STB letters stated : " You have the right to request a copy of any documents that were used in decisioning your claim. Should you have any questions, require information or work like to request any documents that were used in decisioning your claim, please contact or office at XXXX. '' We called this number & emailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to no avail. On XX/XX/XXXX, we visited our local XXXX branch and spoke with XXXX XXXX. He called the Fraud Department and relayed a commitment to respond within a few days. We sent all our documents, emails, letters, etc to XXXX who forwarded them. Still NO REPLY. We followed up with XXXX on XX/XX/XXXX & XX/XX/XXXX.