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

Since XX/XX/2020 i have been reaching out to TransUnion. 

To begin with my personal information section is incorrect. My employment, phone number, address, and alias are all incorrect. 

The investigation results i receive back from TransUnion are always " verified '' as accurate. None of the requested information to deem these accounts as " accurate have been provided '' This is against the FCRA sec 314. 

TransUnion is using my personal information section to verify these accounts, when it's inaccurate therefore all the investigations conducted are inaccurate and these accounts must be removed by law. 

TransUnion violated TILA by reporting the improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures. 

TransUnion violated the FCPDA attempting to collect more than what is owed. In addition TransUnion is threatening a lawsuit with one of the accounts when I have no intent to sue. 

TransUnion violated the FDIC by not reporting accurate information on my credit report. 


How does TransUnion get away with this type of behavior. I have certified to TransUnion that these accounts do not belong to me. 

It has now been over six months, still same answers from TransUnion. 
To be fair I did receive account statements from XXXX XXXX, but the statements had a different family members name on them. Also account statements are not legal proof of verification so you failed there. In addition, the statements had amounts on them with accumulated interest which is against TILA. 

I have been denied a home loan because of your failure to comply with the law and delete anything that is not 100 % accurate or verifiable. 

Who is verifying this information? I don't get it how can i go back and fourth for six months and nothing has happened. We are in a standstill. 

I don't want to wait 30 more days, i have waited six months. There is nothing to investigate if the information does not match why are you reporting it? 

I have copies of over 30 dispute results from TransUnion showing " updated '' " verified as accurate '' without having anything to show for. How does this happen? 

I just don't understand who is running this nonsense? How has this been going on for six months and you have not followed the law? 

Everything used during the dispute process and complaint process will be used against TransUnion in the XXXX XXXX court if you fail to remove the incorrect, inaccurate, unverified information from my report this instance. This has gone on for way too long and it's time to take this to the next step.
Product: Debt collection

I am the mother ( third party ) that pays the debt my daughter owes on her unpaid XXXX. I authorized a payment in the amount of {$200.00} to GC Services LLC on XXXX XXXX 2016 toward my daughter 's debt of {$460.00}. I filed a XXXX complaint against GC Services for their lack of professionalism, customer service, and delays in processing the payment. I spoke withXXXX XXXX, Chief Compliance Officer & Legal Counsel for GC Services on XXXX XXXX 2016 regarding the non-processing of the {$200.00} payment to XXXX. I spoke with XXXX on XXXX XXXX 2016 and was informed the GC Services never processed the payment to XXXX. XXXX XXXX and GC Services staff ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) all claim the payment was processed in a timely manner. GC Services is upset with my handling of the situation and refuses to process my daughter 's payment. This is a violation of my daughter 's right to have her driver license reinstated. My XXXX complaint was resolved because I believed the payment was processed at the time. After speaking with XXXX, I requested the XXXX reopen my case ( XXXX ). I have attached the following documents : email reopen case XXXX, GC Services response letter ( 1 ), GC Services response letter ( 2 ), initial XXXX complaint.
Product: Credit card or prepaid card

Several months ago, Capital One sold their interest in the credit card I had with them To XXXX XXXX XXXX. I unintentionally sent a payment to Capital One instead of XXXX, the current holder of my account. You can see the check below, as I attached it. I have contacted Capital One, and they will not help. I have contacted XXXX, and they will not help. It was mailed on XX/XX/XXXX, cashed by CAPITAL ONE on XX/XX/XXXX. It is XX/XX/XXXX, and that money has not been forwarded to XXXX or returned to me. No one at either company has confirmed having it, or helping to understand where it is. No accountability.
Product: Debt collection

Westlake Financial keeps using Robo Calling to contact me. I answer and then they hang up. Now it has restored to getting multiple calls per day. My payments are usually a couple days late due to pay cycle. They call immediately with many calls a day. On XX/XX/XXXX a robo call and actual person called 3 times and 1 time me calling them back to the to stop harassing me. They call from many different numbers.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

I am a XXXX veteran and run a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports. 
I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all 3 major credit bureaus Transunion, XXXX and XXXX. 
I have already requested an investigation from the Internal Revenue Service ( IRS ). 
I am including dates and items that I would like fully investigated and deleted from my credit reports. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated. 
The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX XXXX Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX  2 Social Security Number/ XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXX XXXX  1 Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX 2 Social Security Number XX/XX/XXXX XXXX XXXX XXXX delete the Following XXXX Hard Inquiries : Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date of XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Inquiry XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Inquiry XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX NV XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Inquiry XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Date of Inquiry XX/XX/XXXX XXXX
Product: Consumer Loan

In XXXX 2015, I disputed an auto loan with First Investors Financial ( CFPB dispute XXXX ). On XXXX XXXX, I received an alert that this account has been updated with a XXXX day late on my credit reports. Since XXXX 2015, this account was reporting paid as agreed, no lates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent credit report showed a very large debt to a company I have never heard of, and said it was placed in a collections account. I called XXXX XXXX XXXX and they transferred me to Waypoint Resource Group. The first person I spoke with coul n't speak proper English. When I asked to speak to his supervisor, he wanted to know why, and continually refused to transfer me until I told him he was incompetent. Then a slightly more educated gentlemen got on the line, but tried to talk over me the entire time. The bottom line is, these are fraudulent charges and the 'companies ' associated with the debt can not find any account listed with them and are absolutely no help in resolving this matter. I've filed a dispute with the credit reporting agency, but these people should not be allowed to continue reporting false information on innocent people 's credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get information from Equifax for the last 3 weeks since XX/XX/XXXX regarding an inaccurate reporting on my credit. The account they are reporting dropped my credit score by 112 points. I have plenty of documentation from XXXX proving that what is being reported by Equifax is inaccurate and XXXX has sent and resent the information to Equifax multiple times. I have letters, bank receipts, confirmation numbers, reference numbers and everything from XXXX and Equifax refuses to give me any information regarding a dispute. Equifax is reporting I have a {$170.00} collections bill that still has an open remaining balance of {$170.00}. This account was closed and PAID IN FULL with a {$0.00} balance directly to XXXX. I had even made a payment on XX/XX/XXXX to XXXX XXXX XXXX and this account says it started on XX/XX/XXXX. How is it possible to be paying a company and have Equifax report a collections account?!?! I have filed disputes with all 3 credit bureaus. XXXX  and XXXX  resolved the issue immediately ( removed from a credit report with a fully restored credit score in the 700s ), however, Equifax refuses to provide me with ANY information. Every time I call the company, I get someone who doesn't speak any English reading from a literal script. I've been hung up on twice for no reason. When I ask to speak to a supervisor, they either hang up on me or tell me one is not available. I am forced to provide my entire Social Security Number and information that neither of the other two Credit Bureaus ever asked for. My security is at such a high risk with this company. I just want one simple account to be removed from my credit report just like the other two companies did. I can't even access Equifax 's website to do anything because it doesn't work properly. My credit score is 700+ on both XXXX  and XXXX  but remains at XXXX in Equifax . It's ruining my life dealing with this company.
Product: Credit reporting or other personal consumer reports

Lexisnexis my clue report is showing three auto accidents and claims with XXXX. These are incorrect and are not mine. I have tried three times to dispute this with Lexus Nexus and they keep giving me the runaround and send me letters with login information and pin codes that dont work and I can get nothing resolved. This is very frustrating and causing me to have higher insurance premiums when these are not my accident on my lexisnexis Report a lot of information is incorrect and outdated. I have went online and disputed it several times provided my drivers license copy of bills to validate who I am and yet nothing is ever done. I want every item and I mean every item on that report to be disputed.
Product: Credit card

Capitol One cut off my account for no legitimate reason. My account was paid in full and I have hundreds of thousands of reward points. They sent me a letter telling me that they were closing my account and I would forfeit the rewards points. I contacted them multiple times. 

They asked for my drivers license. I have faxed the license, mailed the license and emailed the license through a secure link. They have told me that they did not get the fax, that they could not read the numbers. They have told me that they would remove the restriction, but then when I went to use the account, the charges would not go through. This problem has been going on since XX/XX/2023. 

It is an endless run-around, long hold times and total XXXXwhen I call. 

I want my account restored so I do not loose my rewards points. They want to steal my rewards points by cancelling the account. 

I have asked multiple representatives to identify the specific fraudulent activity on the account, and they can not identify anything- they are speechless. 

The customer service is terrible.
Product: Debt collection

On XX/XX/2024, they sent notice of alleged collection for XXXX and XXXX. On XX/XX/2024 via certified mail, I sent a validation request recieved by them on XX/XX/2024. On XX/XX/2024, I recieved a copy of a bill from " XXXX XXXX '' ( the alleged debt states " XXXX XXXX '' ). On XX/XX/2024, I responded that a bill is not a validation of alleged debt and again, asked for the correct validation information. This was sent via certified mail and recieved on XX/XX/2024. I have yet to recieve a response from the company with validation of debt. But on XX/XX/2024, a letter was sent stating that they needed a payment or they would report my information to the credit bureaus and would affect my credit score. 

However, this information was not validated and reporting it is a violation of the Fair Credit Reporting Act, which would allow me to seek damages. 

I have now requested validation from the company on two separate requests and the information has yet to be delivered, yet, the company is now threatening me with credit reporting and hasn't even allowed the appropriate amount of time to pass between correspondence.
Product: Debt collection

a ) I confirm that I have received a written communication from BRITE FINANCIAL SERVICES dated XX/XX/2019 wherein they make reference to the above captioned matter. 

b ) I have sent my request to Brite Financial Services, LLC, dated XX/XX/2019 and XX/XX/2019 for BRITE FINANCIAL SERVICES to confirm the balance owing on the above referenced matter and for BRITE FINANCIAL SERVICES to confirm that BRITE FINANCIAL SERVICES would accept full payment of the alleged obligation from me in consideration of BRITE FINANCIAL SERVICES delivery to me of the original instrument of indebtedness in its original form. 

c ) I confirm that I have received a written communication from LAW OFFICES XXXX XXXX , XXXX. dated XX/XX/2019wherein they make reference to the above captioned matter. 

d ) I have sent written communication to LAW OFFICES XXXX XXXX, XXXX., datedXX/XX/2019 informing LAW OFFICES XXXX XXXX , XXXX . that it is apparent that LAW OFFICES XXXX XXXX , XXXX. are acting on the presumption that some relationship that LAW OFFICES XXXX XXXX , XXXX. may have with Brite Financial Services, LLC, is in some way related to me. I am not a party to this implied relationship LAW OFFICES XXXX XXXX , XXXX. has with Brite Financial Services, LLC, either directly, indirectly or by means of any tacit consent. 

e ) I confirm that I have received a Summons from LAW OFFICES XXXX XXXX XXXX XXXX. issue date XX/XX/19 Expiration date XX/XX/119 wherein you make reference to the above captioned matter. Defendant has not seen or been presented with any documentation verifying that l have voluntarily, knowingly and intentionally, entered into a contract with any civil court, to perform to your demands ; and believe that no such verified documentation exists ; Defendant has not seen or been presented with documentation verifying that all the terms of the contract were disclosed in the document, and believes that no such verified documentation exists ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to creditor to have an inquiry i was unaware of and did not authorize removed. They said the i inquiry will be removed in 60 days. It has been 90 days and its still is on my credit profile. I have tried contacting transunion myself they say there is nothing they can do. They have reached out to XXXX  XXXX with no response. I explain to them they are willfully reporting inaccurate information yet they will not remove it. This is a violation of 15 usc 1681s-2b
Product: Credit reporting or other personal consumer reports

The listed creditors are not connected to me and I am not responsible for these questions. I would like to get them off my credit report asap..
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company refuses to delete this collection from my credit report despite the fact that the original creditor ( XXXX XXXX ) made a mistake and failed to bill my insurance company during my hospital visit. I have gone back and forth with them multiple times and each time, they tell me it's being taken care of. I contact the HR department from my Employer at the time and they provided me with proof of coverage during the time I was in the hospital. Please see attached. I also confirmed with XXXX XXXX ( Original Creditor ) that they never attempted to bill insurance for any services.
Product: Mortgage

I have summitted disbursement requests to this company on XX/XX/2023 and they have not sent it. This happens every time I submit a request. Talking on the phone to them gets me nowhere.
Product: Credit reporting or other personal consumer reports

Dear, CFPB I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the consumer financial protection bureau filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing, " sham investigation " and other unlawful practices. These practices, as outlined by the CFPB, include : conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputes and inaccurate information without explanation. Failing to notify consumer about investigation results effectively. These allegations Highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX  XXXX XXXX, XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On or around the XXXX of XXXX of last year, the cryptocurrency exchange Coinbase ( coinbase.com ) had what they call a " technical glitch '' with a token they had available for purchase. This GYEN token was at a particular price at which I bought {$1000.00} worth. Due to this " glitch '', Coinbase made the decision to de-list ( not available to buy or sell ) the token preventing me from being able to sell it. While it was de-listed, the price of it dropped. They have since relisted the token at the lower locked-in price. I am now at a loss because I was unable to sell as the price of it dropped. I have tried to rectify this matter with the company through their support ticket system. Without any compensation, they closed the case with no explanation. This exact same scenario, and some varying aspects of it, has happened to thousands of other customers with little to no remediation.