23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

REGARDING : TRANSUNION Free Annual Credit Report : XXXX DANGEROUS URL Malware Alerts Date : XX/XX/17 Duration : @ XXXX XXXX - XXXX XXXX Went to the TransUnion website to order a free Annual Credit report Attempted to complete request form for free Annual Credit Report - did not remember my User Name & Password Got locked and instructed to call TU. 
The representative asked me questions to confirm my identity. 
Do n't recall if conversation was being recorded for QA I asked if it was better to get each report individually or 3-1? 
*Agent : tried to sell me on TU being the best & most accurate & for a small charge could get the FICO score after telling me FICO score really is n't important to me because creditors use different scoring to make determination. 
*Told me my User Name Said he would send a temporary Password via email. He cautioned PW must be typed in not cut & pasted. 
Ended the call after approximately 10-15 minutes Temporary Email arrived at XXXX XXXX  with a link *** ( 508 ) Compliance Code does not indicate if what is displayed is a lower case letter or number. 
Attempted the Voice Activated Code. This attempt locked me up. 
Used the link provided. 
After nine ( 9-10 ) Web Anti-Virus Malware Alerts from XXXX ( Dangerous URL Blocked ) *XXXX ( SCREENSHOTS - See Attached File ) I was able to reach the credit report. 
Saved credit report & logged out of site Re : Malware Alerts - this is the first time I 've ever received Malware Alerts from XXXX At XXXX XXXX investigated the Malware - ( See Attached File ) CONCERN : Why are these alerts coming unless TransUnion is compromised? And I might be compromised as well? or it 's a scam to buy additional products to secure credit reports? 
***I will not go back to TransUnion - will request in writing.
Product: Credit card or prepaid card

BP Master Card I am being charged excessive HIDDEN fees. I was charged {$2100.00} in late fees in the last two months owing a small amount. I logged in shocked to find my available credit was only {$250.00} after paying over {$2000.00} my line is {$4500.00}. I look online cant figure out whats wrong talked to 4 representatives just to find out there was a late fee of {$800.00} and {$1100.00} that I couldnt even see. The fees are excessive they will not waive or assist. With all the money paid to the card was literally taken all in late fees. How come these transactions are not posted on our dashboard they are hidden?
Product: Credit card or prepaid card

This complaint is regarding a disputed charge of {$410.00} on a Chase Bank credit card for a purchase that was made on XX/XX/2020 by my spouse and I for tickets to a baseball game that was delayed by the Corona virus and eventually cancelled and not rescheduled. After unsuccessfully negotiating with the ticket source ( XXXX XXXX  XXXX. ) for a refund we contacted Chase Bank in an attempt to resolve the issue. Chase Bank has been unwilling to issue a chargeback for this purchase and refund our money. They have on three different written occasions maintained that the transactions are valid and no billing error has occurred. 

The PDF file included with this complaint provides background information which includes on page 1, the latest response from Chase Bank which we received XX/XX/2020. This reiterates their previous reply ( dated XX/XX/2020 ) which states in part, While you may have a valid complaint with the merchant, the results of our additional review confirm that the transactions are valid and no billing error has occurred. They closed their letter with the following comment : Because we have conducted a thorough additional review of your dispute and can not find a valid billing error, we will not respond to future correspondence from you about it. 

The PDF file also includes on pages 2 & 3 somewhat detailed information provided in our reply to the XX/XX/2020 Chase Bank letter. Page 4, the XX/XX/2020 Chase Bank letter. Page 5 is the XXXX XXXX   order receipt. Page 6 is the order confirmation from XXXX XXXX. Page 7, XXXX XXXX  order update. Page 8, XXXX XXXX article. Page 9, XXXX XXXX update. Page 10, XXXX XXXX Corona virus impact statement. Page 11, XXXX XXXX EMAIL offering us store credit with no option for refund. 

In summary, we paid XXXX XXXX {$410.00} for tickets to a ballgame that was never played or rescheduled, and was eventually cancelled.. Nothing, no tickets, or other services were received from XXXX XXXX. No actual physical tickets, electronic tickets, or any service whatsoever were ever provided to us by XXXX or the original ticket owner/seller. Because the product/services purchased were not received by us or made available for us to use, the transaction simply should not be valid. Chase Bank should issue a chargeback for this purchase and refund our money.
Product: Credit card or prepaid card

Wells Fargo VISA, Customer Service Reference : Wells Fargo VISA ending XXXX On XXXX I charged {$160.00} to my Wells Fargo VISA as payment for my XXXX XXXX XXXX XXXX  XXXX XXXX Maryland XXXX. That {$160.00} VISA charge has been in pending status since XXXX, and wont post. I called Wells Fargo VISA representative on XXXX and explained that I need to get this payment either POSTED or CANCELED. That representative suggested that I check back in a couple of days. I called back today XXXX and talked to another representative and explained the same thing to them ad nauseam. At this writing the {$160.00} transaction remains in limbo as pending, and wont post. 
Once again, I need to get this payment either POSTED or CANCELED. The payment is due now, not latter to USPS. The 2nd representative seemed to be clueless as to getting this accomplished. She put me on hold about six ( 6 ) times to speak to her team members and then came back to the phone to regurgitate what her team members told her to say.she is TOTALLY CLUELESS, no help what so ever. 
Today, I emailed the person ( XXXX XXXX XXXX ) who is listed on my account ( s ) as personal banker and explained all of this ad nauseam, but have not heard back. My understanding from a prior XXXX email is that although he is listed as personal banker on my account ( s ), in reality XXXX is not a personal banker on my account ( s ). Get the email from XXXX and fill in the blanks on that one!!! 
I called the USPS XXXX listed on the Wells Fargo alert email, and USPS was not able to help. USPS indicated that this is a Wells Fargo VISA error, and Wells Fargo VISA needs to fix it ASAP!!!! 
So, back to where I started, I need to get this payment either POSTED or CANCELED ASAP! Address questions ASAP!
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to provide me with the documents with the original signatures.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found several inaccuracies. I sent a dispute letter to e on XXXX. However, it has been over 35 days, and I have yet to receive a response. This delay is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ). Under 15 USC 1681i ( a ) ( 1 ) ( A ), subject to subsections ( f ) and ( g ), when a consumer disputes the accuracy or completeness of any information in their credit file and notifies the credit reporting agency directly or through a reseller, the agency is required to conduct a reasonable investigation. The agency must determine whether the disputed information is inaccurate, update the status of the disputed information, or remove the item from the file. This must be done within 30 days of receiving the notice of dispute.
Product: Debt collection

Dear CFPB, Madam/ Sir : On or about, XX/XX/2023. I checked my XXXX Credit Report and I saw in my XXXX Credit Report, an Unknown name of a debt collector that I have NO KNOWLEDGE of it at all. Also I never received a letter in writing notification from this debt collector as per Federal Laws dictate. A debt collector MUST write a letter to the consumer and, I have XXXX  days time limit to respond. However this Unknown name of the debt collector and the amount that the debt collector wants me to pay. There is also no account number in my XXXX credit report. Thank you, for your assistance in this important matter. Respectfully yours. XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2025 XXXX XXXX XXXX XXXX XXXX Dispute Department To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl. 
2. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A vehicle loan with XXXX XXXX was paid off TWO and HALF months ago and it's still on all 3 Credit bureaus! I've called XXXX and emailed them. I found out because I was denied credit on another loan because of incorrect debt. The Credit Bureaus/Banks NEED TO BE REINED IN on correct AND TIMELY credit data! 

XXXX took NO RESPONSIBILITY although they have a " dispute '' resolution system. They state, at best, THIRTY DAYS to correct errors!?? DO I GET 30 days?? 

NEW LAW ( S ) /REGULATIONS NEEDED : 1.Credit Bureaus ARE NOT to tell citizen WE have to make Lender correct errors THEY REPORT! They report as 'gospel ' what Lenders send them! ONCE citizens report PROBLEM, The Big Three >>>MUST<<< CORRECT It! 

2. BUREAUS/BANKS FINED and portion goes to CITIZENS for such as above! WHY should WE have to do all this battle when we're WRONGED?? NO ONE should have to HIRE a LAWYER to fight issues as above. BIG FINES ( Equal to initial loan amount misreported goes to Citizen!!!! ) would negate court delays and GET ATTENTION of bureaus and banks that make Billion $ AT CITIZENS ' EXPENSE! 

3.DO IT ASAP! Every day I am SURE similar is happening to everyday people who have to fight this on top of trying to live their own lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX I am writing to formally dispute and request enforcement of my legal rights regarding certain accounts on my credit report. The inaccuracies and unverified information on my credit report have had a profound and distressing impact on my life. I am seeking your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

I am deeply concerned about the violations of the Fair Credit Reporting Act ( FCRA ) that have occurred as a result of these inaccuracies. Specifically, the following accounts have been reported inaccurately : 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 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  : Account number XXXX XXXX  The inaccuracies in these accounts have led to significant distress and frustration in my life. For example, [ share your personal story here about how the inaccurate credit reporting affected your ability to secure a loan, rent an apartment, or pursue a major life goal ]. These difficulties have taken an emotional toll on me, impacting my mental well-being and causing undue stress during already challenging times. 

Given the apparent violations of FCRA, I humbly request your intervention to enforce my legal rights. I kindly ask that the Consumer Financial Protection Bureau work to ensure that these unverified and inaccurate accounts are promptly removed from my credit report. This will not only alleviate my emotional distress but also restore my ability to pursue my life goals without the unjust burden of inaccurate credit reporting. 

I have taken all necessary steps to address these issues directly with the credit reporting agencies and the respective creditors involved, but I have not yet achieved a satisfactory resolution. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance in resolving this matter. 

Thank you for your attention to this important matter. I appreciate your commitment to ensuring fair and accurate credit reporting, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

I filed a complaint on XX/XX/XXXX stating that Mr. Cooper Mortgage told me that XXXX XXXX was included in my escrow. Mr. Cooper agreed to pay for the outstanding tax bill with my escrow. They charged me two separate payments of {$1900.00}, but only paid XXXX XXXX   {$1900.00}. So I filed another complaint on XX/XX/XXXX where Mr. Cooper confirmed they reached out to the wrong entity on XX/XX/XXXX again, City of XXXX. I have repeatedly over the last few months tried to provide Mr. Cooper with the correct contact information. The last attempt was to XXXX  in an email response on XX/XX/XXXX I'm yet to receive a response. I requested a reschedule of the foreclosure trial that was suppose be XX/XX/XXXX Now it's XX/XX/XXXX. Here 's the following email from XXXX XXXX confirming Mr. Cooper has never contacted them.

From : XXXX XXXX <XXXX> Date : XX/XX/XXXX at XXXX XXXX CDT To : XXXX XXXX   <XXXX> Cc : XXXX XXXX   <XXXX> Subject : Re : XXXX XXXX v. XXXX  / Cause No. XXXX XXXX XXXX XXXX XXXX is with the City of XXXX, not with XXXX XXXX XXXX. She does not have knowledge of the collection matters. She can simply look online like any person.

Additionally, recordings of non parties are inadmissible hearsay.

XXXX -- XXXX XXXX XXXX XXXX On XX/XX/XXXX, at XXXX XXXX   XXXX XXXX <XXXX> wrote : Hello XXXX XXXX I have a recorded voice conversation onXX/XX/XXXX where XXXX from XXXX XXXX told Mr. Cooper those were the only fees due. Mr. Cooper will try to reach out to you today to try to resolve this issue again.

XXXX XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX <XXXX> wrote : XXXX XXXX, Attached please find the Plaintiffs Notice of Trial in the above-referenced matter.

Respectfully, XXXX XXXX Legal Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

The Overlook at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX T : XXXX XXXX F : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Dispute and Request for Updated Status Dear Sir/Madam, I am writing to formally update the late payment entries on my credit report for the account referenced below. According to the ( FCRA ), I believe that these late payments have been reported in violation of my rights under the following provisions. In ordnance with 15 U.S.C. 1681a information reported on a credit report must be accurate, complete, and fair. I believe that the late payment entries reported on my credit file are inaccurate, incomplete, or misleading and should be corrected. Also Violation of FCRA 1666b ( Timely Notice of Billing Error ) : This section requires creditors to provide timely and proper notice to consumers regarding any billing errors, including late payment charges. If a billing error is disputed, the creditor is obligated to address it within a reasonable timeframe. I believe the creditor failed to provide the required notice of billing errors and did not give me an adequate opportunity to dispute or correct any alleged late payment charges. As a result, these late payments were reported incorrectly.

Violation of FCRA 604 ( a ) ( 2 ) ( Permissible Purpose ) : Under this section, information may only be disclosed to third parties ( e.g., credit reporting agencies or other creditors ) if the reporting entity has a permissible purpose under the law. This includes cases where information is reported to ensure the accuracy of credit reporting, or where the consumer has explicitly agreed to the reporting.I believe the creditor did not have a permissible purpose to report late payments under these circumstances, particularly if the late payments were inaccurately reported or if no valid underlying issue existed. 


Account Information : 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 XXXXXXXX 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
Product: Mortgage

Fifth Third Bank is my mortgage provider. 

Fifth Third Bank locked me out of my bank account by disallowing my email ( XXXX ) after 1.5 years of having this email. Unbeknownst to me, a hyphen was no longer accepted. When I realized that I could no longer access my online banking I went into Fifth Third Bank to make a mortgage payment and deposit money into my account.

Fifth Third failed to apply my payment towards my mortgage and deposited the payment into my checking. The account balance was not adequate prior to my deposit to cover the mortgage. I also have optional overdraft coverage enabled which failed to cover the mortgage charge even though Fifth Third states that bill pay is covered by the overdraft coverage feature.

I discovered that Fifth Third Bank reported to the credit bureau that have been past due on my mortgage twice and went to speak with my local branch manager. She stated that if I applied a payment with the late fee that it would not post as past due on my following monthly report. The branch manager made the payment in her office on my behalf only to discover that it was still reported as past due. I have been current every month following this misapplied payment.

With many failed attempts trying to work with Fifth Third Bank to revise this I am formally submitting this complaint and will further escalate this to legal action if not revised.
Product: Prepaid card

This card was given to me as a gift by mom for bringing my XXXX  son into the world, when I first got it my mother instructed me to put it up and keep it as a safe haven because its going to be a time when I desperately need it for XXXX or formula etc well I did exactly that but when that time came and I tried to use it the card it did not work and when I checked the balance I saw random purchases which is impossible because the card had not even been opened yet, this caused me extreme emotional XXXX  and I have no idea what to do for food for my XXXX because that is what me and my wife were relying on. I would like a full refund because this is extremely unsatisfactory
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with XXXX XXXX in regards to reporting on my credit report when i had no affiliation with XXXX XXXX and they are reporting late payments on my credit report which is inaccurate as they themselves sent me a letter stating they refused to grant me any credit with them... therefore why are they reporting that i have credit with them. I also wanted to file the dispute with XXXX, XXXX, and Equifax... which have not been updated for years now with accurate information.
Product: Debt collection

On XX/XX/2018 and XX/XX/2018 per Fair Debt Collection Practice Act, Section 809 Title 15 U.S.C. 1692 request Portfolio Recovery Associates validation of this alleged debt. PRA claimed they validated this account. I never been notified of this collection, I had to pull my credit report and found this collection on my report. I submit a complain with CFPB about the company not validating account. PRA state they have no record of a response or a dispute being received in relation to its initial notification letter. I sent two validation letter and they didn't sent a respond within the 30 days of receipt.