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

What information did you request? 
I requested that TransUnion conduct a lawful reinvestigation of the disputed account as required under XXXX XXXXXXXX XXXX XXXX XXXX XXXX  of the Fair Credit Reporting Act ( FCRA ). Their role was not to merely forward my dispute XXXX XXXX XXXX  but to independently verify the accuracy of the reported information by requiring legally sufficient documentation, such as the original promissory note, chain of title, and XXXXcompliant accounting. Instead, TransUnion improperly relied on unverifiable and unsupported claims from XXXX XXXX, thus misusing my consumer report by failing to fulfill its statutory duty. 
What Happened? 
TransUnion failed to lawfully investigate and verify a disputed account related to XXXX Bank ( Account XXXX. XXXX ). The XXXX XXXX XXXX XXXX XXXX submitted a certified dispute notice on XX/XX/year> ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), which was received on XX/XX/year>, XXXX XXXX, PA. The dispute included notarized affidavits, XXXX filingsXXXX XXXX Forms XXXX and XXXX, and legal notices demonstrating the Trusts superior claim and the invalidity of XXXX Banks reported information XXXX 
Despite receiving clear evidence that the claim was not validated, TransUnion responded on XX/XX/year> ( received XX/XX/year> ) stating that the account was verified as accurate but failed to : Provide an explanation of what was actually verified. 
Submit any supporting documentation proving lawful standing of XXXX XXXX 
Confirm compliance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by conducting a reasonable investigation. 
Ensure that information was obtained and used properly under XXXX XXXX. XXXX. 
Additionally, TransUnion improperly addressed the response to XXXX XXXX rather than the XXXX, violating the reporting requirements of an entity acting in a fiduciary capacity, and further demonstrating its failure to follow consumer protection laws. 
Violations Committed by TransUnion : Fair Credit Reporting AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to conduct a reasonable investigation. 
XXXX XXXX. XXXXXXXX XXXX XXXX XXXX : Failure to ensure maximum accuracy of reported information. 
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Improper use of consumer report TransUnion obtained and used the Trusts consumer report without ensuring the data was legally accurate or verifiable. 
Federal Rule of Evidence XXXX : TransUnion can not lawfully report the account without firsthand knowledge or proper verification from the creditor. 
Breach of Fiduciary Duty & Good Faith Violations : TransUnion misrepresented the Trusts lawful dispute, failed to follow the consumers instructions, and improperly facilitated the reporting of an unverified and invalid claim. 
How This Affected Me TransUnions actions have harmed the financial and legal standing of the Trust.

The Trust has incurred unnecessary costs and administrative burdens due to XXXX failure to comply with the law. 
XXXX failure to properly verify the dispute supports false information, causing reputational damage and increased liability for the XXXX.
Product: Debt collection

Sent to collection and letter sent XX/XX/27 to make advising of the debt but debt paid
Product: Debt collection

Already took it off my XXXX  but will not take it off my XXXX  the loan is from 2009 originally
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about this item on my credit report - XXXX XXXX Home Mortgage I wish to the original sources of the information reported including, but not limited to, the original contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of a few years I have contacted Wakefield And Associates about two debts ( {$2000.00} and {$1300.00} ) from the same day and company that are not mine. They refuse to to send me any information about the debt except to say it was for medical fees and from a company called XXXX XXXX XXXX but would not give me any way to contact them or identify which XXXX XXXX  XXXX is was because there are dozens of companies with that name. They admitted they had an improper address on file and changed the address but still would not send me any information or validation of the debt. I have requested it three times over the course of 3 years and most recently 60 days ago. They also keep updating the date of the debt despite no changes to make it appear more current and have more impact on my credit report. Wakefield and Associates also used the new address I gave them to request a letter of validation to validate the debt to my dispute with the credit agencies ( even though that's not possible since I only recently moved to that address )
Product: Prepaid card

I bought several thousand dollars in American Express Gift Cards ( XXXX XXXX XXXX XXXX in XX/XX/2001. I received the gift cards directly from American Express unopened by mail. However, there are fraudulent charges on several of the cards ( e.g. ~ {$90.00} of charges, ~ {$97.00} of charges, and ~ {$50.00} of charges on three {$100.00} AMEX gift cards ). I also gave some gift cards away as gifts and several receipts reported that there were fraudulent charges as well. Overall, this has been a nightmare experience. I reached out the American Express to dispute the charges and get a refund. However, they claimed that refund is not possible and you must contact the merchant direction ( which is not a reasonable solution particularly for {$100.00} gift card ).
Product: Credit reporting or other personal consumer reports

XXXX and Experian putting the wrong information on my credit report when disputing nothing gets corrected,, I believe they never looked into to my dispute
Product: Student loan

I 've asked Navient ( formerly XXXX XXXX ) for XXXX things : 1. ) to have my cosigner released from my loans, and 2. ) to be provided with amortization information on my loans. Navient has denied both requests, for reasons that have not been made clear. There is no reason why my cosigner should not be released. I have paid as agreed on my loans for the entire time I 've been paying my loans, and I 've never defaulted. I formally applied to Navient to have my cosigner released and they denied my request, in writing, but with no reason explained. Also, there is no way to obtain amortization information for my loans. I 've asked Navient through their message center and was told that the information " is not available at this time. '' These practices are wrong. I 'm looking for information on the terms of my loan, which they refuse to provide. I 'm not looking to lower my payment, I 'm not looking to get out of my payments, and I 'm not looking to change the terms of my payment plan in any way. I 'm simply asking Navient to release my cosigner because there 's no reason for her to continue to receive correspondence from them or be bound to my loans, because I 've paid as agreed for the entire term of the loan thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to have a security freeze lifted almost 3 weeks ago. The system told me they could not verify my identity even though I answered the correct answers. I spoke to a representative on XX/XX/XXXX who said my social security number didnt match my name. Which is XXXX! She said I had to mail my ID verification by mail. I called back XX/XX/XXXX she told me nothing again and that I had to mail my information AFTER I already told her I mailed it. They will not tell me what the XXXX is the problem. She said she will create a ticket. XX/XX/XXXX still no resolution. I called back & told the same XXXX thing. He said a social security number can only have 1 name to it. I told him my number DOES have ONE name .. I changed. my last name FIVE yrs ago due to my children are grown & I was divorced 28 yrs ago but I have not had any problems in that FIVE years with that and millions of people change their last name .. They are XXXX with me and my report and this is XXXX.. I see that my car loan is showing to my social but yet I cant get anyone to provide ME Access to my account ... I cant create an online account to view it because they have locked me out of my own XXXX information and NO ONE will help me. This is not the 1950 where it takes 2 months for this to clear up. They are suppose to be able to send me a verification code to my phone email SOMETHING!! You can not lock someone out of their own XXXX and offer NO HELP!! This is week THREE!! This is with Equifax
Product: Money transfer, virtual currency, or money service

PayPal is allowing a user whom they have stated they where involved in unusual activities to continue to use their services. They are allowing someone who is engaging in practices that allows him to take peoples items, without paying, and then sell other peoples items for their own personal gain. PayPal stayed that the matter would be addressed, but as of this time, it has not been. The user through PayPal now is still active, still being allowed to use the services, and still allowing the user a platform to steal peoples money. Complaints about the user has been made to the AG office in NH, and law enforcement. 

User in question XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX United States PayPal email address XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a XXXX XXXX XXXX through XXXX and financed the vehicle with Santander Consumer USA. I made a {$500.00} down payment, and the original loan amount was {$20000.00}, with a high annual percentage rate ( APR ) of 21.84 %. My monthly payment is {$510.00}. 

Since the start of the loan, I have paid {$9900.00} toward the balance, but I still owe {$11000.00} as of XX/XX/XXXX. The current estimated value of the vehicle is {$6100.00}, leaving me in a significant negative equity position. 

When I contacted Santander Consumer USA to inquire about refinancing or modifying the loan to make the payments more manageable, I was told that refinancing was not an option through them. This has left me with no ability to adjust the terms of my loan despite the financial burden caused by the high interest rate and the gap between the loan balance and the vehicles value. 

I believe the loan terms were predatory, as the excessive interest rate and risk of negative equity were not adequately explained at the time of purchase. Additionally, I am concerned that neither XXXX nor Santander Consumer USA conducted a thorough assessment of my ability to repay the loan under such unfavorable terms.
Product: Credit reporting or other personal consumer reports

Company ; TD Auto finance Ive reached out multiple times requesting information every time I reach out the company sends court papers, this debt is XXXX XXXX XXXX according to XXXX XXXX state law a debt can not be collected on if written off or XXXX XXXX XXXX this account is both! If I reach out the company uses there lawyers to bully me
Product: Credit reporting

Credit agencies XXXX, Transunion allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine its now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX  XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, a credit card account with XXXX  XXXX XXXX  opened XXXX XX/XX/XXXX, a credit card account with XXXX XXXX XXXX XXXX  opened XXXX XX/XX/XXXX, a credit card account with XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX, a credit card account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with The XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

A bankruptcy is listed on my TransUnion credit report but not on XXXX or XXXX. Despite disputing it with TransUnion for removal, they're citing verification from a third-party company called XXXX. However, when I contacted XXXX and requested a copy of my credit report, there was no bankruptcy listed. 

I am insisting that TransUnion removes the incorrect bankruptcy filing from my credit report. This marks my third attempt to request its deletion, yet they have not taken action
Product: Debt collection

Recently I saw a negative affect on my credit report from PROFESSIONAL DEBT MEDIAT in the amount of {$4300.00} for XXXX XXXX as a bad debt collection account. I used to reside in XXXX XXXX through the end of 2018. When I moved out, my last month 's payment and security deposit covered the funds owed XXXX XXXX. Until this day, I have not heard or seen any correspondence regarding this debt until it showed up on my credit report and negatively impacted me. I do not owe any more funds to XXXX XXXX and any claims from PROFESSIONAL DEBT MEDIAT are invalid and were not properly provided to me PRIOR to being placed in collections!! I do not know what this could possibly be for and I was not given a proper notice or chance in order to dispute this or properly handle it. Instead it went straight to my credit report and is negatively affecting me especially during the pandemic.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the name XXXX XXXX  XXXX and contains erroneous details that do not reflect my financial history accurately. 

Balance Issue : Collections accounts should not have a balance. This account is currently showing a balance, which is incorrect.

Open Status : Collections accounts are not supposed to be listed as " open ''. This account is inaccurately listed as such.

Missed Payment : This collection is reporting " Missed Payment '' on my report. This is utterly wrong. 

No Contract : I have never had a contract with XXXX XXXX XXXX or any debt collector related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting debt validation for this account. 

XXXX XXXX XXXX is required to provide a copy of any contract or agreement that bears my signature, verifying that this debt is mine. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information. 

I urge you to take the following actions promptly : Investigate the inaccurate information. 

Remove the incorrect account from my credit report if it can not be validated with a contract bearing my signature. 

Correct my credit report accordingly and provide me with an updated copy. 

I expect these corrections to be made within the XXXX period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Product: Credit card

Hi, I had my AAdvantage Aviator credit card ( ending in XXXX ) for a year and I was charged an annual fee of {$99.00} on XX/XX/XXXX. Since I wasn't using the card or XXXX XXXX as much as I thought, I decided to close the card to avoid the annual fee. I called customer service at ( XXXX ) XXXX on XX/XX/XXXX at XXXX to close the account in a call that lasted 9 minutes. However, my account was not closed and {$99.00} was taken from my bank account on XX/XX/XXXX. I noticed this and called the same customer service number on XX/XX/XXXX at XXXX in a call that lasted 5 minutes. I was assured the annual fee would be returned and to be patient. I called in on XX/XX/XXXX to check again and I was told I did not cancel my card until XX/XX/XXXX, which was more than 60 days after the annual fee was charged on XX/XX/XXXX. The customer service representative told me they have no record of my call on XX/XX/XXXX. I have a record of that call on my phone ( screenshot attached ) and there would have been no other reason for me to call customer service except to close the card. Thank you
Product: Credit reporting or other personal consumer reports

I get 2 hards inquiries from capital one that i dont recognize someone using my information to apply for credit card from this merchant I want report them as fraud and I want those inquiries removed immediately from my credit report thank you
Product: Money transfer, virtual currency, or money service

I opened a cash app account at the request of my tenant, that is how he wanted to pay his rent since we are in different states. On XX/XX/XXXX he deposited {$1500.00} in my account, I tried to activate my card and I couldnt get it activated, so I called the toll free number that cash app had on their website, a man with broken English answered the phone ( which didnt alarm me, as that happens often ). During the course of the conversation he was sending me codes from cash app which I have copies of. We also got disconnected and he called me back on a XXXX number which didnt alarm me either as so many people are working from home. After he helped me activate my card ( so I thought ) he asked me if I wanted my limit increased and he told me some numbers to punch on my phone to increase my limit. When I hung up I had a feeling something wasnt right ( I worked in a bank for 25 yrs and I am not easity scammed ) so I brought up my bank account and {$1000.00} was withdrawn and deposited in my cash app account. I then emailed cash app immediately and told them what happened and not to let any money get withdrawn from my account. They sent me back a confirmation of receipt and I emailed them again and told them to hurry up as I didnt want anything to come out of that account. I couldnt do anything on my end because my phone was jammed and it would let me do anything. They did absolutely nothing, the next day around noon they let a withdrawal from my account for {$2500.00} go through. Cash app is liable for my loss because they had bogus phone number posted on their website and then when I notified them at approximately XXXX pm on XX/XX/XXXX they did nothing and let {$2500.00} get withdrawn from my account the next day. After exchanging over 40 emails with them and getting nowhere, I contacted the California BBB and they were able to get them to refund me {$1000.00} but cash app still owes me {$1500.00}. I have copies of all the emails and their answer to BBB that I would like to send to you, they tell a considerable amount more that I am able to in this description.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Adequately Address Disputed Items and Investigate Fraudulent Information Details of Complaint : XXXX has failed to adequately investigate and address my dispute regarding fraudulent accounts and inquiries on my credit report. Despite providing valid documentation, including an FTC Identity Theft Report, they continue to report inaccurate information and rely solely on furnishers/vendors for verification without conducting a thorough investigation. 
Key Issues 1. Failure to Investigate : XXXX relies entirely on furnishers/vendors to verify disputed items without providing any independent verification. 
XXXX. Fraudulent Accounts : Examples of fraudulent accounts include XXXX XXXX  ( {$5500.00} ), I XXXX Systems ( {$11000.00} ), and XXXX XXXX accounts with various balances. 
XXXX. Unauthorized Inquiries : Numerous inquiries from financial institutions ( XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ) remain unaddressed. 
XXXX. Harm Caused : The inaccurate information has resulted in credit denials, financial harm, and reputational damage. XXXX failure to comply with FCRA requirements has caused significant emotional distress.
Product: Vehicle loan or lease

Capital One Auto Finance has made it clear from the start that they favor borrowers that supply them with banking information so they can automatically deduct payments, charge fees, and wreak havoc on borrower 's personal finance generally undetected. I have shielded myself from such a lack of integrity by paying my bill, faithfully on time every month via debit card. I called today to do the same and was told that Capital One has now outsourced debit processing to their " third party '' affiliate that charges {$3.00} online and {$7.00} over the phone to process debit payments. Capital one has essentially created a punitive tax for consumers who won't allow them unrestricted access to their bank accounts which borrowers are under no obligation to provide them with. Can you please protect myself and other borrowers that pay by debit card from this retaliatory measure by Capital One? Make them remove their processing fees for their unnecessary expenditures.
Product: Debt collection

I've called cable vision around XX/XX/XXXX or XX/XX/XXXX during the week, to fix my slow internet issue. I settled an appointment for a saturday, which I thought was kind of odd to wait even longer to have the problem solved, since I've been paying the right amount of money for the none provided internet speed. 

I remember speaking to my husband about the cable mechanic guy who never arrived that saturday to my home. 

I called once again on XX/XX/XXXX to dispute the charged of {$80.00} dollars to my account, for a service they didn't provide to fixed that problem. 
I tried to reason with many members of cable vision to waive the fee, but they only said : " we have three phone numbers associated with the account, and called leaving a voice mail, the cable guy knock at the door and noone was home. '' Well, firstable I only have one cell phone number associated with optimun, which have no voice mail from optimum, also checked my online cell phone bill, to make sure of the existence of this voice mail. 
ooops ... nothing there ither.!!! 
second thing is I'm the one who's badly needed the problem to be solved in the first place, why wouldn't I opened the door.? 
And most importantly why they are charging me for.? 

And just like that they've lost a customer for a dishonest service operation.