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

I called Transunion on XX/XX/XXXX and also XX/XX/XXXX and spoke to representatives about the generic letter that I received about my disputes. The letter stated that it appeared that an unauthorized third party company sent a letter to them. I called and talked to XXXX the supervisor from XXXX in the specialized fraud dept at XXXX XXXX. I explained to XXXX that it was in fact me that sent in all of those documents and he still told me he couldn't help and I would need to send them all back even though they have all of the documents that I sent. He stated I could be a third party person and I assured him I wasn't. I even told him he could verify me again and he said he couldn't help. As a consumer this is very frustrating and against my rights according to the 1978 FDCPA 15 U.S.C. 1692-1692P.

I also sent them my police report and my FTC report which shows fraud from the accounts that I've disputed. I asked Transunion to validate the fraud accounts to no avail. FCRA 605B ( 15 U.S.C. 1681C-2 ) was also submitted to block these fraudulent accounts along with fraud inquiries, bankruptcies, and address. The accounts are hindering me from obtaining credit and housing.
Product: Credit card

In my XXXX communication with Kohl 's I had requested a lower APR and their response was i could n't get one based on their terms. Their terms do allow for a lower rate. In my XXXX communication I tried to confirm their ability to offer a lower rate and was told I did not qualify.
Product: Credit card or prepaid card

Capital One sided with merchants after I flagged transactions. They did this becuase they mistakenly filed them as " fraud '' when they were disputes. They did this so they could claim the chip was active therefore they are valid. They knew exactly what they were doing despite me, repeatedly and on multiple calls, told them they are NOT FRAUD CHARGES, and should be processed as disputes. 

There are thousands of dollars involved. They sent me a packet detailing the disputes but they did not do their DD. For example, I rented an XX/XX/XXXX house. They told me to cancel before my arrival date and they would refund me. I cancelled. Then they closed their account and did not issue a refund. Even though I showed Capital One the messages stating the promise of a refund, they didn't even look into it or credit me for the amount, which was over {$700.00}. 

I want a formal contact with someone at Capital One who will work with me on these disputes. IF NOT, Capital One needs to tell me if my specific policy requires arbitration, or if I sue Capital One directly. 

I will note that Capital One refuses to provide any of their recorded calls. I think that says it all really. 

This is my 9th attempt to work this out with Capital One. At this point, I am out of options and if someone senior is not going to work these issues out with me in an expedited way I will be forced to sue/arbitrate, and it will be for multiples of the amounts disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous things put on my credit in past years such as Texas attorney general for XXXX children that arent mine. Auto loans and credit accounts that were not mine either in the past. The credit agencies had the year wrong on my birthdate up til last year which they changed for me. This past Saturday I checked my XXXX XXXX app I was looking to trade in my vehicle for a new one. I was pre approved with my credit above 640 Saturday morning XX/XX/2021. When I went to purchase I told sales person I was pre approved with a few companies the dealership contacted the banks and now they wont give me credit. My credit fell almost 200 points in 2 hours? The reporting company Toyota MTR Im not sure who that is since they told me it was Toyota financial well they show an XXXX and XXXX paid but hadnt paid XXXX yet due on the XXXX. I am 6 days late and credit fell almost 200 points. Also when I purchase the vehicle I have now when I signed the contract what I signed isnt what I was getting for finance rate its much higher so I wanted to get out of that vehicle and start a new contract with new vehicle. The fraud now on my credit I cant do anything. Someone is manipulating my credit as they please and it also shows 41 hard inquiries that I didnt make I get pre approved and have only used my credit a couple times ever. No judgements dont have bankruptcy nothing. My drivers license was stolen about 2 months ago which I reported to XXXX county sheriff dept. also my XXXX XXXX app shows now that my credit dropped 16 days ago thats not true it dropped on Saturday the XX/XX/XXXX. Also have a collections that was removed and now has reappeared that is not mine. Thats over XXXX dollars. I hope this is enough information. My email is XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Mortgage

Ocwen loan, the owner of my mortgage stated I did not have insurance on my condo. I pay monthly condo dues that include insurance. The insurance is through XXXX XXXX and has not changed in years. Ocwen, out of the blue and unfairly, is stating I must pay them for insurance. I notified them in XX/XX/XXXX and they were rude and did not care about this and only wanted me to pay the arrears. I have not missed one of my {$300.00} payments. I additionally have a cease and desist order on file and they have continously harrassed me with calls to my cell phone.
Product: Payday loan, title loan, or personal loan

I never opened the loaned. I had someone who opened accounts and stuff in my name without my knowledge. Police report has been made and she has confessed.. I will send the later stating what she has done. I do not want payments coming out of my account.
Product: Vehicle loan or lease

US Auto Sales in XXXX I purchase a XXXX XXXX XXXX in XXXX XXXX, Ga. and two years ago I had went to XXXX XXXX to see about buying a car, and they ran my credit report, they came back and told me that US Auto Sales was not reporting my payments to the credit bureaus, so I call them they gave me a we site call XXXX to file a dispute, I did that and they said it was taking care of. So now two years later we are having the same problem with us auto sales in XXXX, Ga. main office. today I went to XXXX XXXX to see about buying a car and they said the same thing us auto sales is not reporting my car payments to the three credit bureaus. For the last 48 months the payment of {$480.00} per month.
Product: Credit card

Care credit by synchrony bank.. I got a card to help pay some for some dental work being done. I made my first payment in XXXX of XXXX dollars. I got no communication from the company that the payment wasnt processed, I then paid my XXXX and XXXX balance on XX/XX/XXXX online then called I and the automated system confirmed the payment. I proceeded with everyday life and tried logging in today to pay my XXXX balance to get a month ahead and found my account closed without notification or communication as to why!!!! They said my payment of XXXX for XXXX and XXXX had been declined and not process while the automated system told me it was processed and so did my online account. I would like my account restored due to no communication from the company of my payments not being processed. I did pay the balance and a month ahead today and have another confirmation number.
Product: Debt collection

my personal info was used without my permission to open a fraudulent account which led to a collection derogatory with XXXX also i have got this same account off multiple times due to identity theft. i first got it off on XX/XX/XXXX which at the time the company was XXXX XXXX i have a police report also with the XXXX XXXX in tx and the report number is XXXX then after it came off it came back but this company name was XXXX XXXX and i also had to get that off to on XX/XX/XXXX have a police report for that one too by XXXX XXXX and that report number is XXXX and now it came back the same account with a different name again and that name is the cbe group and i also have a police report for that one also by the XXXX XXXX and the report number is XXXX i am tired of these people harassing me for some i disputed a long time ago and over and over again these people are hindering my lively hood and my credit profile. 
Now with that been said according to FCRA act 15 U.S.C 1681 that company is required to by federal law to verify through the physical verification of the original signed consumer contract any all accounts you post on a credit report to assure maximum acccurarcy. 
I demand to see a copy of Verifiable Proof ( an original Consumer Contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit and hindered my life. Under FCRA 1681 unverified accounts must be promptly deleted once the victim of identity theft has proactively contacted you notifying you of the fraudulent activity. 
Please block this this information ( the CBE GROUP XXXX # XXXX bal ; XXXX ) from my credit report, pursuant to section 605B of the FCRA, and send the required notification to all furnishers of this information.
Product: Debt collection

This is not my account. I never been to XXXX XXXX hospital. 
I have never taken ambulance services. I am contacting the FTC and also filing a law suit for the damages you caused with my credit report
Product: Debt collection

XXXX XXXX has sent my wife and me multiple debt letters. See attached.

The letters are defective in the following ways : 1. No patient name. In our family are : my wife, son, daughter and myself. The letters do not indicate who supposedly received the medical services in question.

2. No date of services. The letters do not have the date ( s ) that the services were supposedly provided.

3. No description of the services. There is no statement of what kind of medical services were provided.

4. No name of doctor ( s ). The letters do not indicate the name ( s ) of the physician ( s ) providing the services.

There is no way from the XXXX bills we can ascertain the reasonableness of the demands for payments.
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of a credit report, and I noticed there are unauthorized credit inquiries made by the companies listed below. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and remove these fraudulent inquiries from my credit report. 

EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Original Report number : XXXX Company has not send valid verification with my signature. 

Sent company all documents for ID theft via USPS Certified 1st class mail return receipt with signature from XXXX on XX/XX/year>. I sent 2 separate enclosures regarding 2 separate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT. OF EDUCATIO US DEPT ED USDOE/XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT. OF EDUCATIO US DEPT ED USDOE/XXXX TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT. OF EDUCATIO US DEPT ED USDOE/XXXX
Product: Credit reporting or other personal consumer reports

I have requested to XXXX XXXX XXXX to validate and verify the negative account they arereporting on my personal credit profile, including providing an acknowledged agreementand transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX Balance Owed : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to contact the bureau in order to correct inaccuracies on my credit report. Oftentimes I have not received a response within 30 days and most recently it has been over 60 days without a response. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have indeed not been filed and the bureau refuses to correct or send proof of these accounts legitimacy. I am distressed and I am being negatively effected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.
Product: Mortgage

To start off i was behind in my mortgage payments due to a divorce. My ex wive was on the deed but not on the loan papers. In the divorce ex wife singed a Quit Claim Deed releasing her rights to the home that we shared. I applyed with mortgage company for a loan modificaton. I have finished my trial period and received the final modification papers that had my ex-wives name for her to sign. I called them to see why her name was on the papers and they told me that it was HUD/FHA guideline. I called HUD and FHA and they both said that ie was not true, so I called mortgage company back and told that this information came from there legal department. So now they are controdicting what they told me the first time. I have finished my trial period and am ready to sign final modification but I don't know where my ex-wife is and she is not willing to sign forms. I thought that since she signed the Quit Claim Deed that superseeded the first deed we signed. I have until the XXXX XXXX XXXX to send these papers back or they said that i will not be eligibe for this modification. I have attached a copy of divorce decree, and Quit claim deed. Modification was to large to attach. Please help me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a phone call from chase stating I had suspicious activity of a wire transfer wanting to be set up. I stated no that wasnt me and the chase specialiststated we can do a recall process to reverse/ stop the transfer. I revived automated codes/ messages/emails/ stating from chase to give. XX/XX/XXXX I woke up to a notification stating my account is now negative. XX/XX/XXXX I called chase via the same number I was called from yesterday to report this and ask why did it go through if I said it wasnt me before hand. The specialist on the phone didnt give a good explanation nor told me it could have been a scam. So I was told it would have to be investigated and I would revive a letter in the mail to write my claim and send it back. I waited approx. 2 weeks for this letter and took it to the bank the same day I revived it. Called to check back up on my claim during another 2 weeks and no explanation or updated. Called chase again XX/XX/XXXX for any information and specialists said go to a chase branch and see what they can tell you. I did today and then was told after 30-45 minutes of investigation by a claims specialist for fraud l/ wire transfer that I was scammed and couldnt get my money back but yet theyre aware of the and situations information. Yet no one told me it was denied XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

1. U.S. DEPARTMENT OF EDUCATION XXXX 2. XXXX XXXX XXXX 3. XXXXDEPARTMENT OF EDUCATION XXXX 15 U.S.C. 1681 SECTION 602 A. States I have the Right to Privacy. 

15 U.S.C. 1681 SECTION 604 A. SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681c. ( A ) ( 5 ) SECTION states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also I reading the FCRA and noticed the Credit Reporting Agency violated these Laws as well. 

15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681a. ( e ) 15 U.S.C. 1681b. ( A ) ( 2 ) 15 U.S.C. 1681i. ( 5 ) ( A ) ( i )
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint for Lack of Verification and Unfair Reporting Practices Dear Sir/Madam, I am writing to formally file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) and its regulations. Over the past several months, I have repeatedly requested documented proof of the verification of several negative accounts appearing on my credit report, including Charge-Off accounts and collection accounts. However, instead of providing the required documentation to validate these accounts, I have only received generic responses with no actual evidence. 
Under FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a thorough verification and provide clear evidence when a consumer disputes the accuracy of an account. In this case, TransUnion has failed to comply with this requirement, as they have not presented any proof justifying the continued reporting of these accounts on my credit file. 

Additionally, the repeated updating of these accounts without proper verification constitutes an unfair practice that is negatively impacting my credit score.

Therefore, I am requesting the CFPBs intervention to : 1. Require TransUnion to provide the appropriate documentation supporting the verification of these accounts. 


2. Order the immediate removal of any account that has not been properly verified.

3. Take corrective action against TransUnion for non-compliance with the FCRA and its harmful reporting practices. 



I appreciate your prompt attention to this matter and look forward to your response regarding the actions that will be taken to ensure compliance with the law.
Product: Credit reporting or other personal consumer reports

XXXX Equifax and XXXX claim to investigate disputes but as I recently found out the don't all a company has to say is that it's correct no investigation no nothing just word of mouth.