23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year>, I made a purchase at the merchant XXXX XXXX in XXXX, Wyoming, for a total of {$27.00}. During the transaction, I tapped my card at the first cash register, but the system froze. The cashier then processed my purchase at a second register, and that transaction went through successfully. 

However, when I reviewed my billing statement, I noticed that both transactions had gone through, resulting in a duplicate charge. I immediately returned to the merchant, provided them with all the necessary information, and they acknowledged the duplicate transaction. The merchant informed me that they were unable to issue a refund and advised me to file a dispute with my bank, SoFi.

I followed their instructions and filed a dispute with SoFi. I was provided with provisional credit for the duplicate charge. However, on XX/XX/year>, I received an email from SoFi stating that my dispute had been denied and that they would be withdrawing the provisional credit from my account. No proof or explanation for the denial was provided. I contacted SoFi for clarification, but they informed me that there was nothing further they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information being reported in credit files maintained under my social security with XXXX and XXXX. They claim the information was reported by Federal District, US BKPT CT FL XXXX from XX/XX/XXXX. <P/>I challenge the accuracy, compliance and reportability of these entries. I have sent confirmation verifying that these entries were not entered by the entity in which my credit reports claim. I have concerns of identity theft and have filed a report with the IC3.gov on account I have received threaten emails from scammers including my social security number and demographics. Therefore, I do not consist to automative reporting from 3rd party data companies. Even upon this verification XXXX and XXXX  still insist on reporting this information. My initial request for validating this information with these credit bureaus was on XX/XX/XXXX and a second request was made after they claimed the information was validated. Their claim was inaccurate and conflicted with the verification letters I sent them from the court stated they did not report the information. <P/>Transunion has complied with this request, however they continue to report inaccurate information as well. They are reporting US BKPT CT TENN from XX/XX/XXXX. My initial request to validate this information was also made on XX/XX/XXXX and included a letter from the court stating they did not report this information. As of XX/XX/XXXX I have also initiated a security freeze with XXXX XXXX in efforts for me to clear up some inaccurate information being reported to the credit bureaus. <P/>All three credit bureaus continue to report the of XXXX XXXX XXXX for XXXX XXXX XXXX in the amount of {$4300.00}. They claimed 1st of date delinquency XX/XX/XXXX. I moved out XX/XX/XXXX. I m I have disputed this with XXXX XXXX XXXX who insist their information from XXXX XXXX is accurate and therefore validated. The credit bureaus continue to report this information dispute the evidence I have supporting that this information is missing data and inaccurate. The evidence XXXX XXXX XXXX has supplied me as validation was a move out inventory sheet which lacked my name, apartment unit, signature and the start lease date was incorrect. They included this with a copy of the first two pages of my signed lease and an itemized billing statement that reflected a base rent that conflicted the signed leased, legal expenses for filing eviction despite I have moved out 3 months prior to their eviction, and claims of damages. My evidence included their evidence pointing out the discrepancies, my noticed to vacate and XXXX XXXX acknowledgement of my notice to vacate prior to my moving out. I also included a copy of a rental verification for another property where XXXX XXXX still acknowledged I had submitted my notice to vacate prior to my moving out. I have filed a complaint with the Better Business Bureau for this unfair and inaccurate reporting by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding TransUnion 's failure to properly investigate and substantiate the disputed items on my credit report. I have disputed multiple inaccurate items on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite these disputes, TransUnion has continuously marked the items as verified without providing any proof or details of the investigation. The responses I received were purely automated and lacked any substantive evidence to support the verification process. 

I am requesting that TransUnion be required to provide : The dates of contact and complete records of the investigation process, including communication with the creditors and any steps taken to verify the accuracy of the disputed information.

Immediate deletion of all disputed items from my credit report, as TransUnion has failed to meet the legal requirements for investigating and verifying the accuracy of the information, as outlined under the Fair Credit Reporting Act ( FCRA ). 

TransUnion 's failure to provide the required documentation and its reliance on automatic, frivolous responses have prevented me from receiving a fair and accurate representation of my credit history. I am entitled to a transparent and thorough investigation of my disputes, and TransUnion has not met this obligation. 

I am seeking immediate action to correct these violations and ensure compliance with the law.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> I made a dispute with TransUnion and requested to them to verify the accounts that appears in my credit report with XXXX XXXX XXXX, XXXX XXXX XXXX  because the information on the accounts is incorrect. The original amounts are incorrect, the date opened is incorrect and also the information of the creditor is incorrect. These accounts are closed and placed for collection, but the credit report shows a past due balance. In addition : According to a response to a complaint that I submitted to CFPB in XXXX XXXX ID : XXXX from XXXX ( XXXX XXXX XXXX  for student loans on behalf of XXXX XXXX or XXXX XXXX XXXX ) the company is no longer servicing the loans because they have been sent to a collection agency.
Product: Credit card or prepaid card

I am writing to express my deep dissatisfaction with the service and lack of information provided by US Bank and travel insurance department regarding my recent claim for flight ticket reimbursement. I believe that the handling of my case was highly unprofessional and did not meet the expected standards of customer service. 

On XX/XX/2023, I made a payment of {$690.00} for flight tickets scheduled for an XX/XX/XXXX trip to XXXX XXXX. Unfortunately, on XX/XX/XXXX, my child fell ill and developed a fever. Realizing that we would be unable to travel, I promptly contacted US Bank customer service on the same day to inquire about travel insurance coverage. Regrettably, I was transferred multiple times, and none of the representatives I spoke to were able to provide clear information regarding the policy or the necessary steps for filing a claim. After enduring this frustrating experience for two hours, I reluctantly gave up. 

As my child 's condition did not improve by XX/XX/XXXX, we were unable to make the trip, resulting in the cancellation of our tickets. Determined to pursue my claim, I made another attempt to contact your travel insurance department and was eventually transferred to a phone number associated with Visa. However, all I reached was a message box, where I left a detailed message explaining my situation. 

On XX/XX/2023, I missed a call from the visa insurance company. Upon returning the call, I encountered the same message box and received no call back despite leaving my contact information. Frustrated by the lack of response, I took it upon myself to follow up on my case after a week had passed. It was only then that I managed to find a link online to file my claim. However, my claim was subsequently denied due to the absence of a doctor 's statement. 

While I understand that my claim was denied in accordance with the policy, I fail to comprehend why US Bank and the travel insurance department failed to provide clear information regarding the policy for over ten days. It is disheartening to see that your institution denied a customer 's claim based on a seemingly undisclosed policy. As a loyal customer, I expected transparency and prompt assistance in understanding the terms and conditions of the insurance coverage. 

I kindly request a thorough investigation into this matter and a reconsideration of my claim based on the circumstances outlined above. Additionally, I urge us bank to review your customer service protocols and ensure that the representatives possess the necessary knowledge and resources to handle inquiries related to travel insurance. It is imperative that customers feel supported and informed when seeking assistance in situations like mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling FedLoan ServicXXXX on XX/XX/XXXX but didn't get in touch with anyone. I called XXXX  XX/XX/XXXX and spoke with XXXX XXXX but didn't get any luck. I was calling about a FEDLOAN account ( XXXX ) not being updated since XX/XX/XXXX, which is odd because I have not missed a payment at all.
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law.

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX - XXXX - {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX  {$15000.00} XXXX XXXX XXXX - XX/XX/year> Former : XXXX XXXX Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress.

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Mortgage

I bought an investment property to rent out a home in XXXX XXXX Ny in XXXX. In XXXX went to default and in XXXX XXXX XXXX started a first foreclosure action and in XXXX entered into a first loan mod with XXXX XXXX XXXX. Went into default again and XXXX XXXX started a second foreclosure in XXXX. In XXXX XXXX filed a summary judgment motion which was granted. In XXXX XXXX XXXX assigned the mortgage to Specialized Loan Servicing LLC ( in Colorado ) and entered into a second loan mod in XX/XX/XXXX and in XX/XX/XXXX asked me to enter into a corrected loan mod which I did not sign. No payments were made or requested after did not sign the corrected loan mod. In XXXX XXXX XXXX XXXXXXXX received a Referees Deed in XX/XX/XXXX XXXX XXXX  XXXX started an eviction proceeding against the tenants living in the home and a hearing is scheduled for XX/XX/XXXX.
Product: Credit card or prepaid card

I had a suntrust credit card from many years and when suntrust was taken over by Truist, I tried to get a new card as my old suntrust card was damaged, the new card was never sent, I am assuming due to the transition. Yesterday I got a notice that the account was being closed due to inactivity but the only reason it was closed was because I new card was not issued after repeated requests. I also did not receive notification that the account would be closed due to inactivity until after the date of closure which was XXXX XXXX XXXX  Notice of the account closer was received on XX/XX/. They are now telling me the account can not be reopened and I am concerned with the impact to my credit rating due to the loss of available credit.
Product: Credit card or prepaid card

I was charged XXXX in interest fees in XXXX. I was also charged {$5500.00} in XXXX. 

All these interest were resulting directly from ( 14 ) disputed disputed transactions, and ALL interest was legally to be refunded / removed from the account. 

Wells Fargo did refund me the actual amounts of the 14 transactions in XXXX & XX/XX/XXXX, but none of the interest were removed except for a small {$310.00} interest credit. 

I have complained several time about it to no avail. last time XXXX responded to me in a letter that all interest were adjusted as shown on the statements between XXXX and XXXX XXXX but this is factually incorrect as the 14 credits I did receive on the account are only the original amounts of the 14 disputed transactions, but no interest were adjusted ( except for 1 credit of {$310.00} ). i latter spoke with Wells by phone, and after the rep realized he was wrong, all of a sudden he changed the excuse to say that i was not entitled to a refund for the interest credit because I never paid for the interest. that's also not true because the 14 disputed transaction credits were applied to pay off the entire outstanding balance which balance included the {$23000.00} interest that accumulated on the account since XX/XX/XXXX through XX/XX/XXXX.
Product: Debt collection

I HAVE NOT ENTERED INTO A MONETARY CONTRACT WITH CCS COLLECTIONS. I NEVER SIGNED ANY DOCUMENTS STATING THAT I OWED THEM ANY MONIES OR DEBTS. 
THIS IS AGAINST THE RULES AND REGULATIONS OF THE FCRA
Product: Money transfer, virtual currency, or money service

The company has kept multiple ACH transactions from my customers without my authorization. A previous complaint was filed in XXXX in which I was told ACH transactions should not be placed on hold. 

Dates and the amount of the transactions are as follows. 

XX/XX/XXXX {$140.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$4000.00} XXXX XXXXXXXX XXXX : XXXX -- -> : {$18000.00} XXXX XXXX  : XXXX -- XXXX : {$9900.00} XXXX XXXX : XXXX -- XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

I received a notice from XXXX XXXX on XX/XX/2023, which required a response by XX/XX/2023, affording me a minimum of 30 days to address the matter. The communication explicitly stated that in the absence of a response by XX/XX/2023, they would assume the accuracy of the information. In response, I communicated on XX/XX/XXXX, requesting substantiating evidence regarding the ownership of the account. Regrettably, I have yet to receive any confirmation of this information. 

Presently, this account has entered arbitration due to the lack of a response from the company. My recourse at this point is to allow legal representation to explore the available avenues for obtaining the necessary information. 

My concern extends to the credit bureau, as there is a legal obligation to review and verify the accuracy of information before its inclusion in someone's credit report. This obligation is outlined in 15 USC 6801, which underscores the affirmative and continuous duty of each financial institution to safeguard the privacy of its customers and protect the confidentiality of their nonpublic personal information. 

Furthermore, 15 USC 1681, section 604 ( a ) ( 2 ), clearly stipulates that " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this case, both the financial institution and the consumer reporting agencies lack my consent to furnish this information, especially in the absence of written authorization. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 

To underscore the gravity of the matter, 15 USC 6802 ( b ) ( c ) dictates that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The account in question is deemed adverse, and it is being reported without my consent, which contravenes the law. 

Lastly, 12 CFR 1016.7 clearly states that " A consumer may exercise the right to opt out at any time. '' I am choosing to exercise this right by opting out of your reporting services and formally demanding the immediate removal of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on Experian, XXXX on XXXX, XXXX on XXXX. See attached screenshots as proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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: Consumer Loan

My bankruptcy was discharged in XXXX, 2016. My vehicle was repossessed today ( XXXX/XXXX/2016 ) but no statements were sent by the lienholder stating how much is due. There were no phone calls or attempts to reach me. Their website states that I owe {$8000.00} but my payoff amount is {$3200.00} so I do n't know what the owed balance is. If I had a current statement, I could have paid them. However, I was n't even given the opportunity to pay them. Now, my fiance 's XXXX worth {$5000.00} ( owned by the federal government ) is in the car and he needs it for daily use. This is a violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card

After calling and confirming that  Barclays  was waving fees for military members, I applied and was approved for the  XXXX   XXXX   XXXX . Shortly after I recieved a statement from  Barclay  's confirming my annual fee would be waived along with a reduction in my apr to 0  %. One year later, Barclay 's has come  out saying this will no longer be the case, and that I will be responsible for the annual fee of the  card going forward. They are claiming that the waivers are being rescinded because they have a new interpretation of the SCRA. While their new assessment is correct, it does n't change the fact that I applied for the card and accepted the credit score implication s only after being told that the conditions would remain the same " as long as I remained on  XXXX   XXXX . '' I have been and will continue to be on  XXXX   XXXX  for the foreseeable future. As I am continuing to meet my obligation under the original terms, I woul d ask that Barclay 's  honor their original agreement with me.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint and Request for Immediate Enforcement Action Violations of Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am submitting a formal complaint regarding XXXX Card and the major credit reporting bureausExperian, TransUnion, and Equifaxfor violations under the Fair Credit Reporting Act ( FCRA ), specifically : Violation of 15 U.S.C. 1681s-2 ( a ) XXXX XXXX has failed to furnish accurate and timely information to Experian, TransUnion, and Equifax. Despite my payment of {$1000.00} on XX/XX/XXXX, reducing my previous balance from {$1400.00} to {$480.00}, this correction has not been updated in my credit reports. 

Violation of 12 CFR Part 1022 ( Regulation V ) XXXX XXXX and the credit bureaus have failed to maintain procedures ensuring accuracy of reported information, adversely impacting my creditworthiness and ability to secure mortgage financing. 

Violation of 15 U.S.C. 1681i Experian, TransUnion, and Equifax have failed to promptly investigate and correct inaccuracies after receiving notice of dispute. My repeated efforts to resolve this directly with XXXX have been ignored, constituting willful noncompliance. 

Violation of 15 U.S.C. 1681n and 1681o XXXX ongoing refusal to correct the information and the credit bureaus ' negligence in updating my account balance constitute willful and negligent noncompliance, actionable under federal law. 

The incorrect reporting of my XXXX account is causing significant harm, including impeding my ability to obtain mortgage approval for a home purchase. 

I request that the CFPB immediately enforce compliance and mandate that XXXX XXXX, Experian, TransUnion, and Equifax accurately update my credit reports to reflect the correct balance of {$480.00} without further delay. 

Your prompt intervention is essential and appreciated. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting

Equifax has re-inserted a chapter XXXX Bankruptcy and Chapter XXXX Bankruptcy on my credit file. I have previously disputed a chapter XXXX Bankruptcy and it was removed in XX/XX/2017 and then re-inserted in XX/XX/2017 along with a chapter XXXX Bankruptcy. Equifax is reporting they received this information from XXXX which is not true. I have my XXXX report dated XX/XX/2017 and their is no Public Record on my risk view report. This information is inaccurate and is stopping me from getting a mortgage loan. I have requested validation with my original signature on documents but Equifax has failed to provide me. These XXXX items needs to be removed.