23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Stolen personal info. Falsafied documentation. Misrepresented POWER OF ATTORNEY
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding my inability to access my TransUnion credit report online. Despite repeated attempts, I am unable to create an account or log in to view or dispute items on my credit report through the TransUnion platform. As a XXXX individual, online access is crucial for managing my credit independently. I believe this issue may be in violation of multiple laws that protect consumers, particularly those with XXXX. 

1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 The FCRA requires credit reporting agencies ( CRAs ) to provide consumers with access to their credit reports and to ensure accurate and fair reporting. My inability to access my credit report denies me the rights guaranteed under the FCRA, including the ability to dispute inaccurate information. 
2. Americans with Disabilities Act ( ADA ) 42 U.S.C. 12101 et seq.

The ADA prohibits discrimination based on XXXX, including the requirement that public accommodations ( which may apply to certain services provided by TransUnion ) provide equal access to services. TransUnions lack of accessible online access effectively excludes me from their services due to my XXXX. 
3. Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 et seq.

The ECOA mandates that all consumers have equal access to credit-related services. By denying me access to my own credit information, TransUnion may be indirectly preventing me from equal opportunities to secure credit, which could be considered discriminatory. 
4. Section 504 of the Rehabilitation Act of 1973 29 U.S.C. 794 This law prohibits discrimination on the basis of XXXX by entities that receive federal funding. If TransUnion receives federal funding, it may be obligated to ensure that its services are accessible to individuals with XXXX. 
5. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481 et seq.

The CFPA grants the CFPB authority to ensure fair, transparent, and accessible financial services. The barriers I face accessing my credit report may be contrary to the CFPBs mandate to protect consumer rights. 
6. Universal Access to Credit Reports Under FCRA Regulation V CRAs must provide consumers with the ability to access and dispute credit information. The lack of accessible online tools undermines my right to dispute inaccuracies efficiently and keep my credit report accurate. 

For verification purposes, I have attached copies of my utility bill, drivers license, and Social Security card to confirm my identity. I am requesting that the CFPB direct TransUnion to address this issue and provide a solution that enables me to view and dispute items on my credit report online. Their lack of responsiveness to this access issue impedes my rights to fair and equal access and may constitute discrimination. 

See all attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I called to make and payment via the phone on my XXXX XXXX Comenity Bank card account number ending in XXXX, the representative decline and refuse to take my payment and instruction me to make the payment in person at a local retail store. Currently, the District of Columbia has no retail store, the next available store to my home is more than 20 miles away. 15 days later, Comenity back reported one 30 days later payment to all credit agencies. 

I recently placed a call on XX/XX/XXXX to inquire about the unfair reporting and was transferred to an account manager who apologized and process my payment of {$66.00} vis my debit card via the phone. 

Had the representative processed my payment in XXXX it could have prevented the negative reporting which lowered my score 31 points. 

Comentiy Bank did not provide fair credit consumer rights nor practice and treated me fairly.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX credit reporting agencies have allowed XXXX XXXX XXXX to " re-age and re-list '' old debt that was bought by them. I have XXXX collection accounts being listed by XXXX XXXX XXXX that have illegally " re-aged '' this old debts that are over 7 years old. According to the FCRA, accounts older than 7 years must be deleted from credit reports. Since the original accounts are older than 7 years, XXXX must delete all XXXX collection accounts from XXXX XXXX XXXX. XXXX is allowed to try to collect on the old debt, however, these accounts have to be deleted according to FCRA law.
Product: Credit card

I received a solicitation from XXXXXXXX XXXX Master card if you open and spend {$1500.00} within the first three months you will receive XXXX points and XXXX tier credits, they only gave me XXXX and said that was all I was entitled to.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX TrueAccord Corp . 
XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX XXXX/XXXX/2025 Subject : Dispute Regarding Violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear TRUE ACCORD ( account number XXXX ), I am writing to formally dispute a potential violation of my privacy rights under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, specifically in regard to the unauthorized sharing or disclosure of my personal financial information by your institution. I believe that my financial data has been shared or disclosed to third parties without my consent or in a manner that violates the provisions of XXXX XXXX. XXXX, which mandates that financial institutions must have written privacy notices and provide consumers with the option to opt-out of such disclosures. To clarify : XXXX XXXX : On XX/XX/scrub>, 2025, I discovered that my personal financial information may have been shared with third parties, which I did not authorize. Lack of Notice/Opt-Out Option : I have not received any written notice regarding the disclosure of my financial information to third parties, nor was I offered an opportunity to opt out, as required by law. Violation of Consumer Rights : Based on the information above, I believe your institution has not adhered to the provisions of XXXX XXXX. XXXX regarding consumer privacy and information sharing practices. In accordance with the requirements of the XXXX XXXX, I request that you : Provide a full explanation of how my financial information was shared or disclosed, including the third parties involved. Demonstrate compliance with XXXX XXXX. XXXX, including the opt-out provision. Cease any further unauthorized disclosure of my financial information and provide written confirmation of corrective action. Please respond to this dispute within XXXX days, as outlined under the Fair Credit Reporting Act ( FCRA ), and provide the necessary documentation to resolve this matter. If this issue is not addressed in a timely and satisfactory manner, I will consider taking further legal action. Thank you for your immediate attention to this serious matter. 

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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I didnot open this card, I gave no one authorization to open this card it is FRAUDULANTLY issued and used.
Product: Credit reporting or other personal consumer reports

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

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

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX, has violated my rights 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I have Money Network, through my job. On the XXXX of XXXX, I received a ping that said XXXX dollars was taking out of my account. I immediately contacted money network. Secondly the money was withdrawn in another county. I have never used my card outside my county, due to the fact, I have no car. I have not used my card since, the incident. I have been transferring all funds to my bank account. I sent in the proper paperwork, and everything that was asked of me. I finally received a letter on the XXXX of XXXX, that my dispute was denied. Called multiple times, trying to get in touch with the dispute department. Was told there is no phone number, for the dispute department, only fax. So now Im in the process of having to file an appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reached out to Experian XXXX and XXXX in Attempt to get them to delete the account on XX/XX/23 and was told I still have A balance with XXXX XXXX account number XXXX which I do not. The account is completely paid off
Product: Student loan

My federal student loans were transferred to Mohela earlier in XXXX  because I am on PSLF. I have been working toward PSLF for years and have been on IDR during that entire time. On or around XX/XX/, I submitted an application for the SAVE program in order to lower my monthly payments while remaining on a qualifying IDR plan. As of XX/XX/, Mohela still hasnt processed my SAVE Plan application, and despite several calls and requests for information refuses to give me any information about its status, when it will be resolved, etc. My administrative forbearance expired in XX/XX/XXXX  and Mohela sent me a billing statement, despite not having processed my application for several months through no fault of my own. After 2 phone calls, Mohela agreed to extend my administrative forbearance through the end of XX/XX/. I was promised that the forbearance meant I would not have to pay the bill issued for XXXX. However, I got notice in early XXXX that my account was removed from the IDR plan I was on and now Im on a fixed payment plan that is beyond what I can afford. I called Mohela and they could not explain to me why I was removed from my existing IDR plan while my IDR/SAVE Plan adjustment was still being processed. I was told by Mohela it didnt matter because my IDR/SAVE application would eventually be processed ( but they had no time estimate or information about why its still pending ). Mohela said they could not put me back on my prior IDR plan, or why it changed in XXXX despite me submitting my IDR  adjustment application in XXXX. Now, the XXXX payment date passed and, despite being told I would be in forbearance, my account now shows that I am past due on that payment. I called Mohela again and they have no information on my IDR application status beyond pending/processing. It is unclear if they can get the past due removed from my account. If my SAVE application is for some reason denied I wont be able to afford my payments and I will not be meeting the PSLF criteria because I was removed from my prior IDR plan. And if my SAVE application is still not processed in XXXX when my forbearance is up, I will be facing a bill I can not pay through no fault of my own and a month of payments that does not qualify toward my PSLF forgiveness.
Product: Credit reporting 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 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # 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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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.
Product: Credit reporting or other personal consumer reports

Remove recent inquires from credit report. Fraud alert placed on account. Unauthorized credit inquiries due to fraud. 

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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, MICROBILT CORPORATIO add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor.XXXXBut companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is a mistake as I assume it to be. I have not been able to get any help form them for months now but I just remembered I could file a report on this website as I just feel they are not doing anything to help me and this is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX  Account Number : XXXX XXXX Account number : XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports.

Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/ charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

BBVA transferred all Simple customers over to BBVA accounts on XX/XX/XXXX. It's now XX/XX/XXXX and I am still unable to access my account. I've been locked out for a week. I've tried calling the customer service line and simply get put on hold for hours and then get hung up on. They offer no other options for resolution. I now have no way to access my bank account to see my balances or use my funds in any way other than by swiping my debit card. 

It's pretty shocking that BBVA has been able to get away with such a terrible handling of a major transition. That's a lot of people 's money that they're messing with.
Product: Credit card or prepaid card

I have been with Capital One for over 4 years and never received to a credit line increase. I was always told that I would have to request on to go online and sign in into my account to request an increase. I requested a increase in XX/XX/XXXX and was denied showed a credit score back in XX/XX/XXXX. I called and basically was told to retry in 60 days. I then requested another increase in XX/XX/XXXX and was denied. Stated due to account passed do 60 days. When called was told because one of my accounts in XXXX was passed due 60 days. To try in XXXX and to keep paying on time as you are doing. While on my account paying my Capital One bill I applied for a card and was denied then I requested an credit line increase and was denied. The credit card said I would receive something in 7-10 days. I received an email regarding the credit line increase to check my account under documents. When I checked the reason it stated I was denied for credit line increase was due to ( TO MANY CREDIT INQUIRIES ). I have 6 inquiries on my credit report 4 from Capital One, 2 regarding my daughter 's school loans. When I called again today on XX/XX/XXXX spoke with a supervisor and was told nothing I can do it is what it is. That he has credit card and its hard for him to get an increase. That's as a customer I don't want to hear and is not pertaining to the call is about. I have tried to call and I sent in a letter regarding my issue and from the phone call basically never had my question answered from the letter basically told me to go online and gave the procedures. As a customer trying to do business with Capital One is not pleasant experience. And the customer service tells you anything to get you off the phone and will transfer to any department to pass you along to someone else.