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

I recently filed a complaint with TransUnion regarding an account that is listed on my credit report File marked '' 1 ''. The account is not mine. I never received a loan with that original balance from the creditor they have listed as XXXX University. I asked that they validate this debt and provide me with proof of the original loan balance and proof of the date of first delinquency of this account or remove this account from my credit report. 

I received the results of their investigation File marked " 2 '' and they replied that they had validated the debt. They did not provide me with the account information that I had requested. I had asked that they provide me with proof of the verification process that they had used to validate this debt. I also requested proof of the original loan balance and proof of the the date of first delinquency. 

I called TransUnion and requested proof again of the verification process that they used for this account and spoke with a TransUnion representative Ms. XXXX who told me it was up to the creditor to provide me with this information. She told me that they only report what information is given to them. I explained that it is up to TransUnion to verify the information given to them or a creditor could report false information. I also explained to Ms. XXXX that I had contacted the creditor and they could not provide me with the information I also explained that I had already filed a complaint with the CFPB and FTC regarding the illegal tactics of this company and their reporting of inaccurate information and time-barred information on my credit reports. I have spent months trying to resolve this issue and subsequently XXXX  and XXXX  did remove XXXX University from my credit report. 

By law TransUnion is required to provide me with the details of the verification process that they used to verify this debt including proof of the original loan amount and the date of first delinquency for this account as I requested, or this account must be deleted from my credit report. 

Please see details of my prior dispute complaints to the Consumer Financial Protection Bureau and the FTC, regarding this company and account. Complaint # 's XXXX # XXXX # XXXX I am available for any questions at XXXX. Thank you for your time and attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies is reporting inaccurate information on my credit report. Credit Reporting Agencies has XXXX XXXX XXXX account listed as being opened XX/XX/XXXX, when in fact i never open an account with XXXX XXXX XXXXXXXX on XX/XX/XXXX. I have presented evidence to Credit Reporting Agencies showing the XXXX XXXXXXXX XXXX account has errors, and Credit Reporting Agencies has ignored facts presented. Credit Reporting Agencies also list XXXX XXXX XXXX as  a creditor when i have presented proof from XXXX XXXX XXXX stating, XXXX XXXX  XXXX is a creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 The news reported that there was a security breach at Equifax affecting over 148 million Americans. According to Equifax 's website, I was affected and am filing a complaint in regards to this breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom it may concern, my issue is with TransUnion. I've tried for months to dispute student loan accounts reporting on my credit report that aren't mine and were apparently reporting on my credit profile since 2009. 

I told them that these accounts aren't mine and to please send me documents on to how these accounts belong to me and to basically verify that there mine. They have yet to do so and it's been well over 30 days since I sent my last letter and I'm yet to receive anything. 

They are supposed to report only 100 % accurate verified accounts. I pointed out several times that these accounts aren't mine and they are yet to provide me with information showing me how they are. I called them a few times and still nothing. 

They clearly don't care because they aren't responding back to my letters and don't care that they are also violating my rights under the FCRA. I am beyond frustrated and I'm ready to sue them also. Please help me if you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the student loan pause, all accounts were supposed to be showing in good standing. No late payments should be showing on the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reposed the XXXX  XXXX XXXX that I purchased almost 8 years ago. XXXX sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX   XXXX Veteran and this is not fair
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 

Please UPDATE to Paid as Agreed XXXXXXXX XXXX XXXX from my credit report because of multiple violations of the Fair Credit Reporting Act!
Product: Mortgage

HAD A XXXX XXXX SEE PROOF COULD NOT PAY MORTGAGE, WAS APPROVED AT THAT TIME AM A VETERAN CALL VA SAID WOULD APPROVE NOT TRYING TO HIDE BUT NEVER RECEIVED CERTIFIED LETTER NOTICE OF INTENT TO SELL BANK SAID RESUBMIT BUT WAS ALL PAPERWORK IN XX/XX/XXXX XXXX XXXX
Product: Debt collection

TRANSWORLD SYSTEM INC/ is claiming that I owe them {$2200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers  and sue for full compensations and damages incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

I was a real estate agent with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX during the period XX/XX/XXXX-XX/XX/XXXX. 
When I disassociated myself from the brokerage, my online account had fees assessed to XX/XX/XXXX. However the final bill they send changed the dates to the last date of XXXX/XXXX/2016. I asked that my fees get prorated to the day that I left because I was being asked to pay for a Legal Assistance Program of {$420.00} for a year plus some additional fees. The Legal Assistance Program is a program that protects agents legally if any lawsuits would arise during closing of real estate contracts. 
I asked XXXX if I paid for the program, if I would have access to it. I was told NO because I was no longer affiliated with the company. I then said that I do n't think that I should pay for a program that I will not use or have access to. I was then advised they would send it to collections and it would affect my credit. I sent XXXX a pro-rated check of {$130.00} and XXXX rejected the check and sent it back to me and sent the demand for payment to collections. I have received several collection calls from XXXX. 
I find this more than predatory. It is unconscionable to demand payment for a service I have never used or even have access to if I pay for it. I hope you can investigate and advise accordingly.
Product: Checking or savings account

account was closed with no reason why XX/XX/2023
Product: Student loan

I had a small Sallie Mae loan to finish my XXXX XX/XX/XXXX. I found myself filing bankruptcy in XX/XX/XXXX but continued to make my student loan payment even though I am a full time XXXX. XX/XX/XXXX I received a payment receipt for my payment to Sallie Mae. XX/XX/XXXX I also received a notice from Sallie Mae stating they have " charged off '' my account. I called on XX/XX/XXXX to inquire because I was confused. I was told that no other payments would be received on this account as of XX/XX/XXXX and they were sending back my XX/XX/XXXX payment and cancelling my recurring payment plan. I received a refund check in XX/XX/XXXX and confirmed no other payments were being sent to Sallie Mae. I am now being bullied and harassed about my overdue account. I have the letter from Sallie Mae, the receipt for payment XX/XX/XXXX and my credit report showing I was current until they sent back my XX/XX/XXXX payment. In addition to the harassment and bullying they are trying to impose excessive fees and penalties for non payment in XX/XX/XXXX.
Product: Mortgage

I filed an insurance claim an submitted all documents to mortgage company. I called in XX/XX/XXXX to advise work completed. The representative I spoke with Advised to send in pictures and lien waiver to close the claim. I did ask a few times if an inspection was needed and advised no. 

On or around XX/XX/XXXX, I received a call asking for repair status. I advised what I was told back in XX/XX/XXXX. The representative advised an inspection is needed. I said to request one. 

I called in today asking for a supervisor to have the call reviewed and asked for explanation as to why wrong information was provided. The supervisor I spoke with, XXXX, was very short and did not want to assist. Said that the " bottom line is inspection is needed. '' I agreed and said I have no issue with that but wanted call reviewed due to misinformation. The supervisor said " yeah, I 'll have c/s pull it '' I asked for a follow up and manager name. XXXX advised I could not speak with the manager nor could a name, number or email be provided. 

I work in the same industry and in the same type of roll. I felt very unheard and treated like I knew nothing and there was no time to assist me or willingness to review the call for an explanation. 

I now have my contractor calling day for payment I ca n't provide due to this hold up. 

Thank you.
Product: Credit card or prepaid card

I have tried to increase the line of credit on my Capital One cards and I have been rejected several times. I do not want to comprise my debt to credit ratio. If I use a large amount of credit on a low line of credit, then my credit score decreases. Capital One should do a better job in providing a reasonable line of credit increase, especially since we are in the holiday season. I have a XXXX FICO credit score. I get direct mailers from Capital One to open money market and checking accounts, but with this level of treatment that I am experiencing, it will be far fetched.
Product: Debt collection

HI Sequium Asset Solutions ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association an
Product: Credit reporting or other personal consumer reports

I'm trying to access my credit report due to fraudulent activity. I have tried to access my transunion portal, and have reached out to them several times. Nobody is helping me. I took screenshots, and have attached them to this complaint. This is what I'm seeing and it's saying that there is a problem on TRANSUNIONS end, and I have logged off logged back in, and nobody is helping. 

PLEASE SEE ATTACHED
Product: Debt collection

XXXX XXXX has been reporting a fraudulent debt on my credit report for a few years. I've tried to dispute the debt thru the credit reporting agencies but it always comes back verified. 

I'm a victim of identity theft and have attached my FTC report along with my homeless veterans letter. 

I pretty sure the account doesn't belong to me because I havent had a stable address in over 7 years. 

Please remove the fraudulent account.
Product: Debt collection

XX/XX/year> I received collection notice from XXXX XXXX XXXX 

XX/XX/year> I responded Certified Mail with Cease and Desist letter redquesting validity of debt as outlined by FDCPA Laws Rules and Regulations. 

XX/XX/scrub> XXXX XXXX XXXX XXXX responded without fulfilling my request to include proof of debt puchase and laws governed by FDCPA concerning third-part collections.
Product: Credit reporting or other personal consumer reports

Dear CFPB Leadership, I am writing to express my concern regarding the inadequate security measures currently provided by the three major credit bureausExperian, Equifax, and XXXX. These organizations, which store sensitive and critical financial information on nearly every XXXX, do not offer the level of security consumers should reasonably expect to protect their accounts. 

Shockingly, not all of these bureaus even offer basic two-factor authentication ( 2FA ) via SMS, let alone more secure options like authenticator apps ( e.g., XXXX XXXX XXXX XXXX ). In cases where SMS-based 2FA is available, it is often difficult to locate and enable. This lack of robust security measures is unacceptable, particularly given the severe consequences of unauthorized access to credit reports and the growing threat of cyberattacks such as SIM-swapping and credential theft.

To address these vulnerabilities, I urge the CFPB to consider drafting and enforcing policies that require credit bureaus to : Implement and offer 2FA options through authenticator apps in addition to SMS-based authentication.

Ensure that all consumers can easily access and enable these security measures, with clear and transparent instructions.

Standardize security practices across all credit bureaus to provide a baseline level of consumer protection.

It is unacceptable that companies entrusted with such critical data remain behind the curve in adopting modern security practices. These changes are urgently needed to safeguard consumers and prevent further erosion of trust in the credit reporting system.

I respectfully request that the CFPB prioritize this issue and take decisive action to enforce stronger consumer account security standards for all credit bureaus. Thank you for your attention to this important matter, and I look forward to your response.
Product: Checking or savings account

I opened an XXXX XXXX Checking in XXXX when there was a {$150.00} bonus promotion after depositing {$1000.00} into the account. Please see attached screenshot. 

Fine print from bank : Open a new XXXX  Checking account using the link below. 
Within 60 days, make deposits totaling {$1000.00}. 
Keep your account open for 90 days. 
Bonus will be deposited to your new account within 14 days of meeting the requirements. 


I met the terms. But still did not get the bonus. So, on XX/XX/22, I contacted the bank. The agent told me that the {$1000.00} deposit has to be in direct deposit. So, they refused the bonus. 
XXXX 's terms are deceptive and they just want to deny me the bonus. The terms say make deposits and no mention of direct deposit. See attached screenshot and the fine print above. 

Please issue the {$150.00} bonus as promised.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX Request for Removal of Unauthorized I identity theft Hard Inquiries Dear XXXX, XXXX I am XXXX to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my XXXX XXXX. 

The unauthorized Identity theft inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

this is regarding our business checking account with Bank of America ( which we've been a customer of for over 30 years ) : On XX/XX/XXXX two small electronic deposits were made in the amounts of XXXX cents and XXXX cents, the depositor was listed as 'XXXX XXXX, later that day, an unauthorized withdrawal of {$9000.00} was made by XXXX XXXX ', and then again in the same day, another withdrawal was made in the amount of XXXX cents by XXXX ( equal to the XXXXwo earlier deposits ). A week later on XX/XX/XXXX, two more deposits were made in the amount of XXXX cents and XXXX cents, again by XXXX, and then later in the day another unauthorized electronic withdrawal was made in the amount of {$15000.00} by XXXX XXXX, later in the day another withdrawal of XXXX cents was made by XXXX ( total of two earlier deposits ), then a week later on XX/XX/XXXX another unauthorized withdrawal of {$12000.00} was made again by XXXX XXXX. Because we hadn't checked our account online in that two week period, we hadn't noticed until we received our paper statement in the mail that these unauthorized withdrawals were made. We alerted BoA 's fraud dept. ( which by the way takes over an hour of wait time to finally reach someone ) and filed a police report. BoA, initially said it would take up to 12 days to resolve it, we called back to check on the status of the claim and they then said it could take up to 30 days, called back later and then said up to 60 or 90 days. It's been about 95 days, we call and they say a decision has been made but won't tell us what it is. we called over 10 business days ago and they said they would tell us in 10 days, it's been over 10 business days and they say they might call us at the end of the week. We can't get answers from anyone, these hackers wiped out our entire account, and being a small business, we can't afford to lose {$36000.00} and BoA apparently doesn't care one bit. How does BoA not flag those initial deposits as suspicious? If my credit card has a suspicious charge like that, they flag it and freeze the card, but BoA has no security measures of any kind.
Product: Consumer Loan

I approved a XXXX Dealership approval for XXXX on my new auto loan. The dealership sent my approval to 4 to 5 other financial institutes without my authorization. My XXXX was calling constantly and my credit report dropped by XXXX points within 2 days. 

I only authorized XXXX. I am asking the other agencies to have the hard inquires removed from all XXXX credit reports, please.