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

Today, XX/XX/XXXX, I was deceived by TransUnion.com. At no moment, the website showed that it was a paid service. The charge to my credit card was at the amount of US {$24.00}. The Transunion.com website just displayed a button " My Credit Report & Score '' without a clear indication that the service was not free. 
Right after registering, I found out about the charge and immediately tried to cancel my subscription. The path to cancel is hidden and not easy to find. After a lot of searches, I was able to cancel the service online but the charge remained. 
I call Transunion but they were not available to resolve my problem. 
After googling the internet, I found that Transunion received a millionaire fine back in XXXX because of this same scam. 
Please, CFPB, help me to get my money back. 
And please evaluate another fine to Transunion but this time a much higher one as the company continues with the same practices. 
Just because of this Transunion scam I lost over 2 hours of my day trying to cancel the charge, without success. 


I tried to call Trans to register on their website
Product: Credit reporting or other personal consumer reports

I have just been released from XXXX XXXX ( U.S. Department of Federal Prisons ) on XXXXBeen in since XXXX, when i reviewed my credit report with my Federal case manager they was outstanding balances on the report that was not from me... i have been a victim of Identity theft ..also i have sent proof to XXXX credit bureau... i just want to get this cleared up thank you
Product: Checking or savings account

On Monday XX/XX/2025, called Truist support line. Wanted to wire money to my employer, XXXX. Was told it was done. Notified my employer. 
Tuesday evening, checked and saw no money had moved. 
Called bank support on Wednesday XX/XX/XXXX. 
They told me no money wired but they had cut a check and sent to XXXX. Wouldn't arrive till Monday XX/XX/XXXX. As I needed that money to get to XXXX before Friday deadline, I asked for wire not a mailed check. They said I had to wire money in person at bank. So I drove to bank and wired the money. I also put a stop pay on the check to prevent double withdrawal. Was assured by in-person bank and later support mgr called to also confirm stop pay. 
See that the wired money was withdrawn from account that day. 
On Tuesday XX/XX/XXXX, I see that another withdrawal for same amount occurred. Called support and they confirmed it was the cashed check and they didn't know why since they confirmed the stop pay was showing. They then said I'd have to file a dispute. Which I did. And they subsequently rejected, saying I would have to work with my employer. They accept no responsibility when they incorrectly cashed a check?
Product: Credit reporting

I have written 4 times along with police report and proof of ID Drivers License and State ID and My passport proving I was out of the country for 3 yrs. I have a few Incorrect address on my reports. and all was due to Fraud. also they credit reporting agency has refused to remove. they also has refused to remove over XXXX inquires in one year! in the same month. It 's fraud. I also wrote the companies who made the inquire and they have refused to respond. even with the police report. 

The addresses is XXXX Il XXXX And XXXX Il XXXX Its even more on my other Reports. 
And the inquires as follow 1. XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX 6.XXXX 7.XXXX 8.XXXX 9.XXXX 10.XXXX 11.XXXX 12.XXXX 13. XXXX 14.XXXX 15. XXXX 16.XXXX 17.XXXX These Inquires was made all in one month, I contacted each company and credit burials also gave them copies of all my ID 's and they still refused to help Transunion, XXXX and XXXX. all let me down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with the CFPB on XX/XX/2022 concerning a collections account on my credit report with XXXX XXXX XXXX and it is now XX/XX/2022 and I haven't received a response. According to the FCRA ( B ) Time of notice ( i ) In general, The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title. This is a violation of my rights as a consumer. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX nor its affiliate company XXXX XXXX XXXX XXXX XXXX not licensed to collect debt in the state of ALABAMA.
Product: Credit reporting or other personal consumer reports

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and
Product: Debt collection

I was charge for services not rendered. Letter sent explaining issue. Physician in XXXX at XXXX Hospital, XXXX XXXX, Ca refused to treat me, so I went to another facility. They are trying to collect on services not rendered. XXXX XXXX XXXX XXXX and CA XXXX XXXX XXXX have turn the claim over to a Collection Agency, Stanislaus Credit Control Services , Inc. in XXXX, CA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX/CAPIOPART XXXX Your company have violated FCRA XXXX ( f ) ( XXXX XXXX. XXXX ( f ) ) ( f ) XXXX on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XXXX of this title has resulted from identity theft. 
( XXXX XXXX Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
XXXX XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX/CAPIOPART XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

I had multiple fraudulent transactions on one of. my two Capital One accounts. I requested in XXXX that they close this account and to please send a debit card for my second account as I wished to start using that one more regularly. Five months later ( this week ) I finally received a debit card in the mail for the wrong account which they are refusing to close even though it has been compromised. They also restricted my account in good standing. Please help me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DL : XXXX Formal Complaint Regarding Inaccurate information To Whom It May Concern, Upon checking my credit report I called the creditors to verify information on my credit file and Ive noticed inaccurate information that needs some attention. 
XXXX Account and number XXXX The highest balance is incorrect. If you cant verify and update this information please delete the account. 
The past-due amount is incorrect. If you cant verify and update this information, please delete the account. 
The date when the account was closed is incorrect. If you cant verify and update this information please delete the account. 

XXXX XXXX  and Account number XXXX The Late payment date and charge-off date are incorrect. If you cant verify and update this information, please delete the account. 

XXXX and Account number XXXX The charge-off date is incorrect and the last payment date is different than what is shown in the summary. If you cant verify and update this information please delete the account. 

If these accounts can not be verified, you must delete them under the FCRA. If the accounts dont get resolved, the next step is to file a lawsuit. 
Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have tried over and over to have these accounts removed from my credit report. I have submitted all of the required information and yet Experian refuses to cooperate. This has been a financial burden on me and has been detrimental to my living situation. After finding out that someone had been using my information I filed an FTC report, which Experian received, and closed my account. My kids and I are now living with a family friend until I can fix this situation and move into a new home.

They are the only credit bureau not cooperating with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried several times to have this removed from my XXXX credit file with no success.This is not my account.i have two credit cards with XXXX XXXX both in excellent standing like all my credit.This account does not belong to me.If there was an account opened in my name i am not aware of it.and is fraud.I am seeking a home loan and need this removed or i will be forced to seek legal action for damages that this fraud account has caused me.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Via certified mail ( XX/XX/XXXX, XX/XX/XXXX, and XXXX ) I have requested Equifax to include a statement regarding a unverified account on my credit report. I received 3 letters requesting to send in verification and each time it was sent and the following month I was sent the exact same letter requesting verification. 

I have requested the following statement : " The XXXX Bank / XXXX 's account is a fraudulent account whereas the creditor states they have no signed documentation I opened the account. This information has been provided to XXXX, XXXX, and Equifax Credit Bureaus. XXXX &  XXXX  have removed the account - Equifax refuses to do so. Please obtain a " correct '' copy of my credit report to the two other agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Unauthorized Accounts Due to XX/XX/XXXX Data Breach Dear CFPB Representative, I am filing this complaint regarding inaccuracies on my credit report due to the XX/XX/XXXX data breach. My personal and financial information was compromised, and I have since identified unauthorized accounts, inquiries, and/or personal information changes on my credit file. 

I have attempted to dispute this information directly with the credit bureaus but have not received a satisfactory resolution. Therefore, I am requesting CFPB intervention to ensure my credit report is corrected. 

Details of Dispute : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) : XXXX Addresses on File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report File Number ( if available ) : XXXX  Credit Bureaus Involved : [ XXXX, XXXX, TransUnion ] Nature of Complaint : Unauthorized accounts appearing on my report. 
Hard inquiries I did not authorize. 
Inaccurate personal information changes. 
Failure of the credit bureaus to properly investigate my dispute. 
Requested Resolution : I am requesting that the CFPB ensure the immediate investigation and removal of any unauthorized accounts, hard inquiries, or inaccurate information on my credit file. 


I appreciate the CFPBs assistance in resolving this matter. Please provide me with a written response detailing the actions taken to correct my credit report. 

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

I sent each company and each credit bureau notarized letters, police reports, and identity theft affidavits. I also sent proof of my address and asked each company to send me proof of the account, how the account was verified and the company 's verification method. these companies failed to show any proof that the account belong to me. i followed up with a failure to investigate letter and my request was totally denied and ignored by these creditor companies and credit bureaus. i sent these companies a 1692 G ( B ) letter and i asked these companies to follow up with me. XXXX XXXX XXXX XXXX sent out false information to a false and fraudulent address, i called and asked XXXX XXXX XXXX XXXX why wasn't the information sent to the updated address, they never replied back. XXXX XXXX never sent me and documentation verifying this account nor did XXXX XXXX, XXXXXXXX XXXX, Pentagon Federal credit union. these companies are reporting false information on my credit files and have also sold my personal information to third part collection companies which is illegal given the fact i never authorized any of these companies to use my personal information to obtain any credit accounts. These companies have also charged off these debts and have been trying to collect payment through third party collection companies, i have been harassed by these collection agencies. These creditor and credit bureaus have violated my consumer rights in a major way. i have contacted the state attorney general to file a complaint against these companies. i want this information removed immediately from my credit files within 30 days. they have failed to investigate the correct way, they have failed to validate any of these accounts. XXXX has also leaked my personal information in data breaches and refuse to remove and fraudulent credit accounts, inquires, and false data reporting on my credit files.
Product: Credit reporting or other personal consumer reports

I have notified XXXX, XXXX, experain and the creditors about these accounts that are fraudulently reporting to my credit and asked them to do an investigation I have yet to receive any correspondence as they have my updated email and physical address its been over 45 days since I have contacted them in regards to this. I have also submitted and sent all documents that has been requested. Below are the two accounts that need to be removed. 

XXXX XXXX {$810.00} XX/XX/2023 XXXX XXXX  {$700.00} XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Re : Cease and Desist Demand ( Jefferson Capital Systems ) Dear Sir or Madam, I am writing to formally demand that Jefferson Capital Systems LLC immediately cease and desist from my credit report due to continuous harassment, illegal debt collection practices, and failure to provide evidence that I am the responsible owner of the debt. To resolve this matter, I would like to dispute the collection account reported by Jefferson Capital System on my credit report which is indicated as being reported on the XX/XX/year>. The accounts in question are for the total amount of { XXXX } and is currently marked as open on XXXX and closed on XXXX. I will provide an attachment for clear evidence of the inaccuracy which is not acceptable according to the ( FDCPA ). I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that Jefferson Capital System cease all communication with me regarding this debt.
Product: Debt collection

This company at phone number XXXX ( XXXX ) XXXX contacted me XX/XX/18 and left a voicemail. They then contacted two very distant out of state family members I dont even speak to saying they were investigating me for fraud. I called the woman and she advised me I had committed bank fraud because I took a cash advance out five years ago, paid it all off but {$200.00} and had changed banks. I didnt hear from anyone since and forgot about it. I didnt deny having this debt. I told her that I had XXXX XXXX XXXX now and am on XXXX and no longer can work, that I have no home, no car and no means to pay for this debt in full right now. She told me that she sees Im a XXXX  and they will take my XXXX license. I told her Im XXXX so it doesnt matter but they cant do that either way. She said she was sending the sheriff to arrest me and that I might get medical care in jail possibly. She then said that I was lying about my XXXX XXXX, I was telling her information about a family member to decieve her and that there was nothing wrong with me and youre not even sick let alone XXXX. I hung up. I called back and asked for her supervisor. She said shes the supervisor in that office. I said I wanted the supervisor not in that office, that everyone has a boss. She refused. I said I dont know how this went so ugly, I just want to know what I can do to rectify this situation. She said I was past that and now it was just when Im going to jail. She told me again Im not sick, Im nothing but a liar, I should be ashamed by myself, Im disgusting and she was sending them out to arrest me for being a liar and hung up. This pushed me into a XXXX   XXXX  XXXX. I know these are terror tactics used to pump people with old debt that has been bought and I will not be bullied but I couldnt even find out what the debt was.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : 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
Product: Consumer Loan

I am contacting you in reference to a matter that I 've had to send communications to Capital One about. Everyother month Capital One XXXX reporting my auto loan on my credit report, I dispute it, it updates correctly and thenreappears. I filed bankruptcy due to having XXXX bills from the birth of my son ; however, that hasbeen discharged for XXXX years, my reaffirmation agreement with Capital One was declined by the judge. 
Nonetheless, I continue to make payments on my vehicle and will until it 's paid in full. My issue with Capital OneAuto is the credit reporting ; it 's incorrect, should n't show anything but ( account closed, bankruptcy XXXX, zerobalance ) or something of that nature. Anything other than that is a clear violation of the FCRA post-bankruptcydischarge requirements. I 've communicated with them at least XXXX times over this year alone about the same thingtrying to get it permanently resolved. To report a discharged debt as something else ( for example, '1charged off ' orhaving a balance as more than zero ) violates the provision of the FCRA that requires creditors from reportingincorrect information. XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). it is also a violation of the FCRA if I 've notified them about theincorrect reporting XXXX several times XXXX, but then they still have not permanently corrected it. XXXX XXXX XXXX ( a ) ( XXXX ) ( b ).