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

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 

1. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : DEPT OF ED Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : DEPT OF ED Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to investigate the inaccurate items listed on my credit report, despite my documented efforts to rectify the situation. On XX/XX/XXXX, I sent a certified letter via USPS with tracking number # XXXX XXXX XXXX XXXX XXXX XXXX to TransUnion, requesting an investigation into items on my credit report. In addition, I disputed incorrect personal information listed on my credit report.I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. I received a response back from TransUnion dated XX/XX/XXXX, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I have made diligent efforts to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's lack of response and disregard for my consumer rights have caused undue stress and financial hardship. I am seeking immediate intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items on my credit report. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute the validity of the debt referenced under account number [ XXXX ], which your company claims I owe. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide me with the original signed debt contract or other verification of the debt.

As outlined in Section 605B of the FCRA, I have the right to request a copy of the original agreement and any supporting documentation that substantiates the debt in question. To proceed, I request that you provide the following information : A copy of the original signed debt contract or agreement. 
The complete payment history for this account. 
Any documentation that verifies the balance owed, including any interest, fees, or charges applied. 
A clear explanation of how this debt was transferred or assigned to your company. 
The name of the original creditor, if different from your company. 
If you are unable to provide the requested documentation, I kindly request that you remove this debt from my account and cease all further collection efforts. Additionally, as required under the FCRA, please provide confirmation of any updates to my credit report regarding this debt. 

I request that you respond within 30 days of receiving this letter, as stipulated by the FCRA. Should you fail to do so, I will consider this matter resolved in my favor, and I will take further steps to ensure that the debt is removed from my records. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

i have contacted all XXXX credit bureaus as well as XXXX XXXX  times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting XXXX  % correct. In accordance with the Fair Credit Reporting Act, everything has to be XXXX % accurate on my credit report and under 15 U. S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reportinXXXX XXXX  % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC mortgage is reporting XX/XX/XXXX payment as 30 days late on my XXXX   and XXXX  credit reports. Also the company omitted reporting my XX/XX/XXXX payment. Around XXXX or XXXX of XXXX, I began disputing the inaccuracy of this to all three credit bureaus. The company did not respond to XXXX  and as a result, the account was removed from my XXXX credit report. The company responded to the other two agencies by deleting information for past payment history for years prior to XXXX. This only resulting in the company giving a " response '' to the credit bureau, but not making the accurate corrections. I kept disputing every 30 days, but nothing changed. The company continued to respond to say the payment history was correct. When I called PNC mortgage directly, I was told my account was showing current and paid as agreed for XX/XX/XXXX. I was told disputes are only handled in writing and had to be mailed to XXXX XXXX XXXX XXXX, OH XXXX. In XX/XX/XXXX, I mailed three letters ( one to XXXX XXXX XXXXXXXX and the others to XXXX XXXX XXXXXXXX to insure the company received them ) with copies of the supporting information. A written letter stating my dispute, a copy of the payment funds and date drafted from my bank account, a copy of my account from their website and a copy of my credit reports showing the inaccuracy of the XX/XX/XXXX payment, which shows as 30 days late for XXXX  and XXXX. I received a letter from PNC Bank dated XX/XX/XXXX which stated the accuracy of my XXXX payments and that they can not remove any negative information. The letter stated the payment for XX/XX/XXXX was reported as current/ paid as agreed. On XX/XX/XXXX PNC bank continued to report my XX/XX/XXXX payment as 30 days late. This was reported to XXXX and XXXX. I have emailed them, but have not gotten a response. I've tried calling again and still have been directed to send another letter to the address given. This issue has been unresolved for almost an entire year. It seems that they are purposely reporting this account as 30 days late.
Product: Checking or savings account

All the funding I have access to is owed to the United States. The way I pay what I owe is by paying people for their goods & services. Middle man Navy Federal Credit Union decided to enrich itself by stealing then lying to everyone. Navy Federal Credit Union kept the deposit meant to pay someone. The deposit was a test to see if this credit union would be honest or not. This bank decided to enrich itself through dishonesty. 
As a result that person was kept debt because of Navy Federal Credit Union 's greed. Navy Federal Credit Union expects you the CFPB to do nothing about it. Since Navy Federal Credit Union decided to steal then lie, I chose to I document everything to show the Attorney General & XXXX XXXX. XXXX asked questions. XXXX didn't care XXXX wants answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, XXXX # XXXX Account XXXX XXXX XXXX # XXXX has violated my rights. 
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 an account without my written instructions.
Product: Mortgage

My husband and I sent it to the mortgage company concerning our property taxes exceptions on XX/XX/XXXX XXXX XXXX And I have been calling almost every day to get the mortgage company to give me an update on reducing our mortgage. Every time I call they are giving me the runaround when I talk with them they always connect me to different people I was told that someone's last name XXXX has a hold on our account and at this time they can't get the exceptions done. We are seniors and I have been working on getting this task taken care of since XXXX I am still fighting the mortgage company to get this corrected. So we can get our mortgage lower. This is my second complaint about the company. Is it possible to get some help we have health problems and when I'm done trying to get this issue taken care of its always a problem with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Conns home plus customer service after discovering that there were multiple accounts on my credit report that are no longer there. This is my second time calling and they were still unable to assist me with correcting this information
Product: Credit card or prepaid card

I only ordered one gift card at {$50.00} value from Vanilla Visa gift cards ( vanillagift.com ) but when I got my confirmation order emailed to me, the confirmation said I was being charged for double my order. I KNOW that I reviewed my order prior to checking out online. I called the very minute, 3:55 PM on XX/XX/2021 I received the fraudulent confirmation order of {$100.00} and said that I had only intended to buy one card and I wanted them to cancel my order OR change it so that only one gift card was sent as a gift to the address I enclosed. 

On their website it says that they can amend orders if you call immediately as they like to be expedient in getting orders out. 

After being on hold for an HOUR I was told by a customer service representative that there was nothing I could do and that I would be charged XXXX dollars instead of XXXX. 

I had to report them as fraud to my credit card company so that the charge would not be applied to me. This was an expense for work and I fear I won't be reimbursed for this fraud. 

Since the incident, I have found that Vanilla Gift is well known for scamming customers in this way, but I wish I'd known that earlier as they seemed a reputable website.
Product: Other financial service

Cornerstone Legal Group , LLC XXXX XXXX XXXX XXXX. XXXX, FL XXXX. They use XXXX XXXX XXXX to manage the funds. Since XXXX 2014, They have debited my account in the amount of XXXX monthly. Only XXXX of my debts have been settled : XXXX and XXXX. Since the company is taking over 60 % of my funds there is virtually no money in my account to settle the other debts. I continue to get lawsuit papers from Financial Institutions that should 've been contacted by my debt consolidators, Cornerstone Legal Group, as they were provided a list of all debts to be consolidated under their program.
Product: Credit reporting or other personal consumer reports

This is regarding CFPB complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX have terminated collection efforts on the XXXX debt and have requested the credit bureaus delete the tradeline. Unfortunately, I am still seeing this reported on my XXXX and Equifax reports. Equifax also failed to enter a notice of dispute after 30 days. My dispute was sent on XXXX, and the company responded on XX/XX/XXXX. It has been over 60 days and this tradeline is still reporting. XXXX has since removed this account. I am requesting that account XXXX is removed within 7 days ( XX/XX/XXXX ). I have attached a copy of the initial CFPB complaint for your reference.
Product: Mortgage

My mortgage is current. I was behind XXXX  months due to medical + prescription costs and just got caught up. 

Shellpoint Mortgage Finances says I owe {$880.00} in Fees.

Shellpoint Mortgage Finance said they are unwilling to waive any of the fees. 

{$880.00} in fees is exuberant. Especially someone who had medical issues & subsequent problems paying their mortgage. T
Product: Bank account or service

Sofi has ignored my request to stop sending me emails concerning refinancing of my student loans despite following the instructions they provided now XXXX times. XXXX times I have received " confirmation '' Sofi has removed me from mailing lists, but the emails keep coming. This has been ongoing for more than one week.
Product: Credit reporting or other personal consumer reports

I am making this complaint due to a failed request to block, remove, and delete a XXXX XXXX account resulting from identity theft. I have filed an identity theft report where I swore under penalty of perjury that the identity theft took place. I am seeking redress for a reinvestigation to delete said account. Please see the attached notice.
Product: Money transfer, virtual currency, or money service

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

My account with ( XXXX, XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Student loan

Heartland ECSI has a predatory payment fees structure. It purposely provides users with a misleading outline of payment processing fees. More specifically, it states that you can make a payment without incurring a processing fee by using direct debit through your checking or savings account. However, when you go to make a payment, both debit card and direct payment from bank ( checking or savings ) are available options. When you select either of these options, they both have fees ( 3.95 % for debit card and {$1.00} for direct bank payment, respectively ). This is purposely confusing and misleading. The ECSI FAQ on fee structures is also confusing and has language borderline contradictory to other information on fees ECSI provides. Furthermore, there is no option provided when making a payment to select a fee-free method ( I can not locate this " direct debit through bank '' option ). Upon investigating more, I've found that there is no fee-free method of conducting a one-time payment. The only way to pay fee-free is to set up a reoccurring direct debit payment, which is effectively no different than a one-time payment via the same direct debit payment method ( however, the one-time version charges the {$1.00} fee ). There should be no obligation for an individual to have to consent to reoccurring withdrawals from their bank account to get access to fee-free online payments. Forcing an individual to consent to this is both anti-consumer and puts them at risk. 

What I find most disturbing is that, based on their fee structure, there is no way to make fee-free online payments toward your loans until they are actively accruing interest. In an attempt to avoid paying the fees, I tried signing up to make regular direct debit payments from my bank. However, I wasn't able to change the date when the payments are made, and the date was locked to a date after my loans become active and start accruing interest. This should be illegal ( if it isn't already ). There is objectively no difference in the processing cost of these payments for Heartland if they occur before vs. after the loans become active. To allow fee-free direct bank payments only after the loan starts accruing interest is purposely predatory.
Product: Credit card or prepaid card

BarclayCard and I entered into an oral and written agreement to settle a past due credit card account on XX/XX/XXXX. The account was settled in full on XX/XX/XXXX. The representative for BarclayCard ( XXXX XXXX XXXX ) informed me that if I settled the account before the end of that month ( XX/XX/XXXX), that the bank would not report a charge off status to the credit bureaus and any tax liability for the account would be reported for tax year XXXX. Neither happened. Barclaycard is refusing to honor their oral and written agreement. On XX/XX/XXXX, I was to informed by XXXX XXXX XXXXl, a representative from the Office of the President, that BarclayCard would not be complying with the terms of the agreement. The written agreement provided by the bank specifically states '' We will send you an IRS Form XXXX by XX/XX/XXXXof the year following your final settlement payment. '' XXXX XXXX went back and reviewed the call with the collection representative, confirmed everything that he said, confirmed everything I stated was true and still refused to honor it the agreement in place, citing company policy and refusing to provide a direct explanation as to why they will not correct the issue. So now, I am left to deal with misguided and inaccurate IRS documents that this bank knows are not factual, all because they will not honor their agreement. This is egregious conduct by BarclayCard.
Product: Mortgage

Early in the year, I called for Mortgage Insurance removal, and spoke with a representative. They advised they would need to send a removal packet in the mail. What I received was an informational packet with a number to call to remove PMI. I called again and requested to be transferred to the PMI department. I was advised that Citizens does not have a mortgage insurance department, and again a packet would be sent in the mail. It has been a month, and no packet has been received. With the additional principal I have been paying, and the comparable prices in my neighborhood being up 31 % ( per their website ), I should qualify for PMI removal. I am requesting to immediately start the process for PMI removal, and XXXX  to Credit towards my Principal the amounts paid towards PMI since my initial phone call.