23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/XXXX XXXXL XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  || Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed off dispute letters to XXXX, Transunion, and XXXX on XX/XX/XXXX to dispute collection accounts that are being inaccurately reported on my credit report. It has been more than 30 days and I still have no updates on my disputes and these inaccurate reports are still being reported on my credit report. These bureaus are not reporting or responding to disputes in a timely manner. These accounts need to be removed from my credit report.
Product: Credit reporting

I called to have unauthorized hard inquiries removed from my Transunion report. The rep verified the inquiries were on my report, but said that even though the XXXX inquiries were made within 30 days, Transunion views these inquiries as XXXX whole inquiry. He said I would still have to wait for these inquiries to be removed.
Product: Debt collection

This debt was sold to a collection agency that is not licensed in maryland and should not be reporting to my credit. I am a Maryland resident.
Product: Credit reporting, credit repair services, or other personal consumer reports

High I'm reaching out because I recently got my equifax credit report # XXXX and I've noticed these hard inquiries on my credit report that I don't recognize or gave written consent to anyone of them. I have rights under 15 usc 1681 that state Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I ask these inquires be looked into and verified along with proof of verification. If said inquires can't be verified or shown proof I ask they be removed from my equifax report XXXX XXXX did a inquire on XX/XX/XXXXXXXX XXXX XXXX # XXXX did inquires on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX did a inquire on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES : XXXX XXXX XXXX, the XXXX 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
Product: Credit card or prepaid card

Opened : XX/XX/2017 ( 5 mos ) Closed : XX/XX/2017 I never knew the card was opened, I applied for it but they didn't tell me that they was going to charge the card I applied for. I thought they charged the card I was using, then they sent the card to the wrong address and I knew nothing about it. I called them when I found out about it and I told them that I didn't authorize the card and that I knew nothing about it. They waved the fees but still charged me. I immediately closed the account.
Product: Money transfers

XXXX had technical issues and was send the request for payments for items I 've not received to Google wallet. I contacted google and the rep took XXXX of them off, and was unable to remove the rest, so I was told to contact my credit card to have the rest removed. So I did. XXXX then suspended my account and told me to verify my Id before they would open it back up. I sent all required documents and they did not open it back up.Visa asked them to verify what was charged and they sent XXXX documents, and it was agreed that those charges were legit and was put back on.. Now Google today after my second call ( The first XXXX was very ignorant. ) Told me now all charges that they can not verify must be back on before they will reopen my account XX/XX/2016-XX/XX/2016.. Now why should I pay for something that I did n't receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

For going on 4 years now I have tried to dispute this loan. First off it should not be showing up on my credit report from the school itself when I took out a FAFSA loan and they are already reporting on my credit so the school is fraudulently trying to charge me twice. They kicked me out of school in XX/XX/XXXX after I went to class one night and would not let me finish my 3 classes I needed to graduate because they said they wanted me to go back to my XX/XX/XXXX taxes and change my filing status. That is against the law and unjust and not ethical and my filing status has absolutely nothing to do with the school. I did not drop out nor quit they would not enroll me into anymore classes due to this. I have disputed and appealed this so many times with no turn around from this school. This school is a fraud and they were in a class action lawsuit for a ton of reasons including fraud and lied about the lawsuit not being true. The school also shut down where I live at due to the lawsuit. I need them off of my credit report ASAP!!!! When I call their corporate office they won't even let me speak to anyone they immediately send me to their collections department and continue to fraudulently report and try to charge me. I am also disputing this with the Dept. Of Education as well. The sooner it is removed the better because I am about to sue them. I am sick of them and sick of these profit schools trying to get over on people. I hope they all lose their jobs as well because they are defrauding consumers. Goes to show that just because it has University in front of the name they are still fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$1500.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- AUTO ACCOUNTS -- 3. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against TransUnion for conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but TransUnion has failed to fulfill this obligation. 

Over the course of my recent interactions with TransUnion, I have noticed a pattern of what I believe to be sham investigations. My disputes regarding inaccurate information on my credit report were met with superficial responses that did not address the concerns I raised. Specifically : old addresses, inaccurate, credit reporting, and removal of closed accounts. 

TransUnion has responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. 

My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in the responses. 

The results of the disputes were issued in unreasonably short timeframes, suggesting that no thorough investigation could have been conducted. 

These actions not only undermine the integrity of the credit reporting system but also violate the provisions of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnions dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CFPB to take necessary enforcement actions to hold TransUnion accountable for any violations uncovered during the investigation. 

Please let me know if additional information or documentation is required to support this complaint. I trust that the CFPB will address this matter with the seriousness it warrants. 

15 USC 1681e ( b ) - Accuracy of Reports 15 USC 1681s-2 ( b ) - Responsibilities of Furnishers Thank you for your attention to this issue. 

Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 

As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature.

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation.

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about these five unverified accounts as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it shows i have 9 inquiries from XXXX, XXXX, XXXX XXXX XXXX. Things i didnt apply for .All the dates are different but mainly the year wasXX/XX/2019! Because of this i cant even get a bank! Then theres another inquiry from PayPal, another thing i didnt apply for.
Product: Debt collection

Dear Sir or Madam, I recently received a debt collection letter from your company regarding a debt. I am writing to request information and documentation to validate this debt. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : The name and address of the original and current creditor. 

Verification of the debt amount you are seeking to collect, including documentation showing a valid contract or agreement exists for the claimed amount. 

All assignments showing the debt transfer from the original creditor to the current creditor. 

Proof that the debt was securitized by the original creditor, including the assignments of the debt from the original creditor to the secured trust and back. 

Until you have provided the requested validation of the debt, I dispute owing this amount and request that you cease all collection efforts. Additionally, please do not access my credit report or report anything to my credit file regarding this disputed debt. 
If you intend to pass this debt to another collector, please provide them with notice of my dispute. 

I appreciate your prompt attention to this matter. 

XXXX XXXX
Product: Student loan

In order to get an understanding of the balance of my student loans, on XX/XX/XXXX I contacted Navient in regards to my consolidations loans that were completed on XX/XX/XXXX and that are currently with XXXX. The young lady could only provide Information on the most recent consolidation and was not able to see details of the older consolidation loans from XXXX and I was informed that I should contact XXXX. I contacted XXXX whom were not able to tell me what loans were included in the consolidation because they have the loan after the consolidation ; I was then routed to review and contact NSLD whom did not attempt to assist me at all with getting detailed information about my consolidation. I have also contacted XXXX XXXX in which I still have not received a response to date. 
On XX/XX/XXXX, I sent an email request to Navient that I would like an audit completed to provide me with the details of each of my loan consolidations. The response from Navient on XX/XX/XXXX is that I can review my loans with NSLD. ; again the problem this is that it will not show me the details and the amounts for the accumulated consolidation balance. 
When I initially, did the consolidation with Salliemae/Navient it was an attempt to bundle my loans in one place even after I had applied for forbearance and forgiveness through their agencyit did not as if anything had changed even while I was making payments. Also, while reviewing my information from NSLD, XXXX and Navient I noticed that loans that were supposed to have been consolidated during the XXXX application had not been included and that the most recent consolidation seem to include loans that should have already been accounted for. 
Taking a closer look at my students and Navients process, it seems that loans that were supposed to be included in a forgiveness process and consolidation agreement were not but also appears that some have been re-consolidated. This is not my first attempt at trying to get answers from Navient, back in XXXX when attempting to return to school but wanted to be clear on my student loan balances and received the same brush-off from Navient with no results. 
I am again requesting a full detailed audit of all of my student loans, this also is to include what specific loans contributed to each of my consolidation loan ( s ) because the forgiveness and consolidation initially began with Navient/Salliemae.
Product: Credit card

I am writing to formally dispute the {$XXXX} charge associated with my XXXX XXXX XXXX Credit Card, which stems from an unjust cancellation fee imposed by XXXX XXXX fencing XXXX, XXXX XXXX. The fee is both excessive and unethical, and I believe it is unreasonable for me to bear this financial burden given the circumstances outlined below. 

On XX/XX/year>, I entered a contract with XXXX XXXX to install a XXXX privacy fence. However, the contract I signed did not disclose the exact cost of the cancellation fee, nor did the representative from XXXX XXXX warn me of the fees magnitude at the time of signing. When I sought to cancel the project, I was informed that I would be charged a {$XXXX} cancellation fee, despite the fact that no materials were purchased, and no labor was performed on my property. 

XXXX XXXX claims this fee covers expenses such as filing permit paperwork with the XXXX of XXXX XXXX, taking property measurements, and marking public utility lines. However, it is incomprehensible that such actions could reasonably result in {$XXXX} of costs. Filing permit paperwork and taking measurements are standard pre-installation activities that should not warrant such an excessive penalty. A more reasonable cancellation fee, at most, would be {$XXXX} to account for these administrative tasks. 

This exorbitant fee is not only excessive but also unethical. As a consumer, I was not warned about the financial risk of cancellation, nor was the fee disclosed upfront, depriving me of the opportunity to make an informed decision. I believe this violates basic principles of transparency and fairness in consumer contracts. 

Home Depots business practices in allowing its fencing XXXX to impose such excessive fees is a type of predatory behavior that should not be permitted under any circumstances, and I am asking for your assistance in addressing this matter. 

I respectfully request that XXXX reverse the {$2500.00} charge on my account, as it represents an unfair penalty for a service that was not completed and for which no materials or labor were provided. I appreciate your understanding and support in resolving this dispute promptly. 

Please feel free to contact me at XXXX or XXXX if additional documentation or clarification is required. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Consumer Loan

One Main Financial is reporting to the credit bureaus that my loan was delinquent in XXXX and XXXX. This is not the case. I made my payments on time. I have brought this error to the attention of One Main and also disputed the pay history with XXXX, but One Main will not correct the reporting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint XXXX. Experian said that some inquiries that I disputed were not reporting which they are. I do believe that Experian is stalling, and an investigation was not conducted. They removed some inquiries but there are still inquiries from the letter that I sent on my credit report. Please refer to the letter attached and remove the inquiries that are still reporting on my credit report. At this point I will be seeking {$1000.00} per violation if this situation is not resolved. Since Experian is claiming that some inquiries are not reporting, I will list each inquiry and attach a current copy of my credit report. I also reported this to the FTC being that I was involved in a data breach.
Product: Mortgage

I am trying to refinance my mortgage to take advantage of lower rates. If I do that without this charge taken away Ill have to pay it, which would amount to robbery. Please help. 

My loan with XXXX was transferred to XXXX XXXX, XXXX, d/b/a " XXXX '' on XX/XX/XXXX, from JP Morgan Chase Bank XXXX Docs say XXXX is servicing, but when I asked if they were the owners, they said yes.?? 

Chase has been a problem as well. In XXXX I arranged with them to pay my HOA, XXXX XXXX, XXXX XXXX XXXX, XXXX AZ XXXX, dues through escrow. They paid them late several times. The HOA is NOT forgiving. I later took away the request for Chase to pay the HOA dues. 

When XXXX took over the loan, I noticed on the statement there was under Lender Paid Expenses a charge for " legal fees '' for {$790.00}. Totally clueless, I called XXXX and was told only that it was a charge from Chase that they had paid on my behalf and that I owed. I called Chase and got nothing. I sent them a letter on XX/XX/XXXX. I got a letter reply a couple months later that basically said they were working on it. Nothing since. Then, XXXX happened. 

Until that is paid or dismissed they will not allow me to pay down the principal. There is no reason that Chase should have incurred any charge on my behalf and certainly not one that was kept secret and still hasn't been fully disclosed. 
It might have been the HOA filing because of late fees, which they paid late several times. 

Or, it might have to do with the escrow account. I had a problem once with them paying the yearly insurance twice and trying to up my monthly payment to cover it. 

How can Chase be forced to give me the details? I do not owe this charge and, since I didnt even know about it, I certainly never agreed. As the person being held responsible for the charge, BOTH parties ( whoever they are ) should be held accountable for not immediately notifying me of the situation ( whatever it was ). I need to get that charge taken off my account. If you need what docs I have, let me know ( statements, letters, notes ). Thank you.
Product: Credit card

I have asked Citibank to investigate an invalid charge on my account for months. They have failed to investigate this incorrect charge and need to refund my account. Posting Date of XXXX/XXXX/16 XXXX Reference Number XXXX.
Product: Credit card

I have had a Macy 's credit account for years with no problems, as the attached screenshot of my credit record shows. About a year ago, I made a purchase at one of their stores, one of many purchases I made at the holidays. I did n't receive a bill, but did n't realize it because I 'd done a lot of shopping, and because I deal with a lot of transactions and bills in my position as a business owner. In addition, I depend on receiving bills so that I remember to pay them. Months passed, but I never received a bill, a call or an email from Macy 's, despite all of my contact information being readily available. I had no idea there was any problem. 
In XX/XX/2016, I received a somewhat rude call from Citibank telling me that I owed Macy 's money. I had no idea what they were talking about, and they could not or would not give me any information about why they were calling -- I actually thought it was a phone scam, so unprofessional and unhelpful were they. A week or so later, I was at a Macy 's store and thought I could investigate the problem there. No such luck, and a call to the general credit department number took me to their 3rd party collections company as soon as my account number was entered. Again, these folks could n't or would n't tell me anything about my supposed bill. A week or two later, I was finally able to get someone at Macy 's to tell me what I bought, where and when -- why on earth should obtaining this information have been so difficult?? This person eventually provided me with a mailing address and I sent Macy 's a letter and a check for the entire amount ( less than {$100.00} ). Getting to this point took roughly five calls to Macy 's to get someone who a ) was in this country and understood the situation well enough to do something about it ; and b ) would n't send me to back to Collections, even when I asked ( begged ) her not to send me there again, since they could n't or would n't provide me with any details of the transaction. 
As if this were n't bad enough, when I checked my credit report last week, I saw that this account was reported as delinquent and sent to Collections, which has put a big dent in my credit and caused other companies to charge me more for their services. I feel this is unfair, unwarranted and Macy 's should have to repair the damage : I did NOT receive a bill from Macy 's, and was told that once the account balance owed goes past 30 days, it 's sent to Collections. What??? No email, no call, no late fee and interest added to next month 's bill?? Then nine months later, I get a rude call without any information I can use to figure out what happened?? And now my credit is damaged and other bills are going up because of it?? That 's not okay.