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

On the XXXX and XXXX of XX/XX/XXXX I attempted to open an account with XXXX 

On XXXX XXXX it as discovered that my credit had a freeze placed on in XX/XX/XXXX. I released it on XXXX XXXX as it was not possible to run the credit check with it in place. 

On the XXXX XXXX attempted to run me thru the ringer as the information that I supplied them did not match the TransUnion file info. 

I discovered that the TransUnion file contained a wrong address, wrong phone numbers and employment. Report attached. 

They showed my current address as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address does not exist. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. It does not show up anywhere in the report. Furthermore, I have had this address as my Permanent Address for over 50 years. It is the address on my Drivers License, my Pilots License, my XXXX XXXX XXXX, my checking account ( same account since the XXXX ) and everything else and has been over 50 years. 

The butchered address should have read XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The correct address which I had before I retired approximately 5 years and moved back home. 

Four phone numbers were listed. 

( XXXX ) XXXX Over 5 years old and NOT current ( XXXX ) XXXX Correct and current ( XXXX ) XXXX NEVER HAD Area Code XXXX is XXXX  XXXX, Colorado ( XXXX ) XXXX Over 25 years old when it was removed from Area Code XXXX It further states that I have NO EMPLOYMENT RECORD. 

I worked for approximately 45 years for such companies as XXXX XXXX and XXXX XXXX. I retired twice from XXXX and once from XXXX XXXX. I held a XXXX XXXX XXXX for approximately 45 years with the XXXX and for several years with the XXXX. I am currently a non-paid XXXX employee assigned to the XXXX XXXX XXXX, XXXX XXXX, CA. 

I corrected the information on XXXX XXXX. It was not possible to make corrections on line as their systems does not allow new info to be entered ( attached file ) I am in the process of looking for a new home and these inexcusable errors would have cost me the new home. 

TransUnions numerous and critical errors has kept me getting a phone account, the first thing that I have tried to open in over 40 years. I have zero debt, own my home and cars and normally paid cash for major items. I have had the same credit card with XXXX for over 40 years and up to now never had a problem. I was approved by XXXX as a Known Traveler in less then 24 hours. 

Because of their unforgiveable errors I was and now considered a credit risk and fraud. TransUnion needs to be fined to the maximum allowed by law and needs to correct their errors by notifying XXXX of their errors in writing, put a permanent letter in my file stating their errors and supply me with said copy.
Product: Checking or savings account

About 7 years ago someone stole my wallet with my bank card and social security card in it. I was banking with Wells Fargo at the time and I reported it stolen, the person tried to pass a bad check and Ive been on the XXXX XXXX list ever since & Ive even paid money back to the bank and still havent been allowed to open a account, every bank denies me and XXXX XXXX  even let me open a account about a year ago I had it for 2 weeks I received a deposit from my job and they still ended up closing it because of this fraud that took place my identity was stolen
Product: Checking or savings account

The type of bank account that was originally opened was a second chance account. I've been consistent in keeping my account in good standing for over six months. I'm still not able to get loans, fees being waived for being a loyal customer.
Product: Vehicle loan or lease

XXXX XXXX was closed by the state of Minnesota via Governor mandate from the dates of XX/XX/XXXX, reopened at 25 % capacity from XXXX and closed again from XX/XX/XXXX to mid-XX/XX/XXXX. We had almost XXXX income at no fault of our own. As XXXX XXXX XXXX our top priority was keeping our staff paid. My husband called Ally and explained our situation. We were told special considerations would be made for late payments during government mandated shut downs due to the pandemic. We were marked down as late for both XXXX ( preparing for shut down round two ) and XXXX when we were completely closed. Both months we were 1 day late - scrambling to pay all of our bills with no aid available at that time. Again, the small business community gets absolutely abused by those unaffected by this pandemic. Even being told we would receive special consideration on reporting due to the circumstances due to the pandemic but not having that honored. We filed a dispute through XXXX and instead of removing our late payments from XXXX and XXXX they CHANGED them to XXXX and XXXX when we werent closed. How is this legal and how is this possible. Even though we werent closed during those months we were operating at such a reduced capacity I think it is beyond reasonable to not submit negative reports to XXXX XXXX  who were subject to significant limitations and closures to their XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap One Via Dealer XXXX CapitXXXX One XXXX XXXXXXXX XXXX XXXX  XXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ Cap One Via Dealer ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law. 

The unauthorized inquiry occurred as follows : .Inquiry by : [ Cap One Via Dealer ] .Date of Inquiry : [ XXXX. XXXX, 2023 ] .Credit Reporting Agency : [ XXXX XXXX XXXX 15 U.S.C . 1681n, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : 1. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears.

2. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report.

3. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action.

I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages.

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company.

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

I have received several letters from various Debt Collection Agencies regarding XXXX XXXX University. I have reported many of them previously and have had my income tax refunds taken regardless. 

I recently received yet another bogus letter, dated XX/XX/2018, from an agency calling themselves Action Financial Services , LLC demanding a sum of {$12000.00} for XXXX XXXX University. On XX/XX/2018, I contacted the number listed and spoke with a XXXX XXXX and then a XXXX XXXX, who advised me they were actually from XXXX, an agency that previously tried to extort money and that I previously reported since they did not answer phones nor set up payment arrangements. All they did was threaten lawsuits and to withhold income tax refunds. 

For the past two years, my income tax refunds have been withheld by various fraudulent agencies and I am still receiving threatening and abusive letters. I requested proof of the debt and received paperwork that does not reflect any funds already taken. 

I am tired of the threats and disgusted by the corrupt and fraudulent actions by the agencies involved in addition to the US Department of Education and the IRS. 

In this case, XXXX, is not only harassing me they also admitted doing it under another company name of Action Financial Services , LLC. The debt amount can not be correct nor do I trust a " debt collection agency '' that does not answer their phones, does not set up payment plans and does not have an accurate amount. 

The education from XXXX XXXX University was never received. There is no completed degree. My Income Tax Refunds have been taken repeatedly yet I am still getting threats from several different agencies and for different amounts.
Product: Checking or savings account

I have made deposits to my checking and savings accounts on 2 different occasions..the ATM accepted my funds but the amount into my account was short by {$1800.00} each time fir a total of {$3600.00}. The NFCU gave provisional credit and then took it back. This has been going on since XXXX fir one transaction & XXXX for the other. I have my ATM receipts & have called gone to the bank and submitted disputes and Navy Federal Credit Union has not resolved my issues. I am still {$3600.00} short in total for the 2 deposits.
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the results of my recent credit report dispute and to request a more thorough investigation into the method of verification used to resolve the dispute. The information provided on my credit report appears to be inaccurate, and I believe the verification process did not adequately address the discrepancies. 
Details of the Dispute Disputed Item ( s ) : XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/year>. 
The results of my dispute indicated that the information I disputed was verified as accurate ; however, I have reason to believe that the verification process was not sufficiently comprehensive. Based on my review of the dispute outcome, I believe that the following was not properly considered or verified : Failure to review my identity theft report from the Federal Trade Commission regarding the disputed item. 
I am requesting that you delete the incorrect information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if an item can not be adequately verified, it must be removed from my credit file. The information in question has not been properly verified, and therefore, I believe it must be deleted. 
Please provide me with the following : A detailed explanation of the method of verification that was used to resolve my dispute. 
Copies of any and all documents used to verify the disputed information. 
Confirmation that the inaccurate information will be removed from my credit report, as required under the FCRA, or provide evidence that the information was fully verified. 
I expect that you will investigate this matter thoroughly and take the appropriate action to correct my credit report. Please send me written confirmation of your findings and the actions taken.
Product: Debt collection

Calls at least XXXX a day from all different numbers. This amount was written off by the original creditor and purchased by Spring Oaks Capital LLC. Will not stop calling even after I've asked multiple times for them to stop. They are now also sending emails.
Product: Credit card or prepaid card

Yesterday i received an XXXX alert about an AAFES credit card account was opened in my name. They verified the account information and noticed it was not accurate information. I contacted the company and they closed out my account because I didnt apply for this card. I was then told to contact XXXX to file a fraud dispute. 

I contacted XXXX who documented my report of fraudulent activity. Locked my account and advised me to file a police report or FTC report for fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Credit Bureau Operation, has caused unwanted marketing problem by not having a paid account loan to be removed from the credit once paid. I have experienced higher debt ratio when a paid car loan remains on the credit report. This debt ratio is used to inflated the cost of the next vehicle, because of the previous vehicle paid status. Meaning that because this information is shared with the dealership it ultimately puts you in a higher car value because you paid off the vehicle. This information should not be shared with the car dealership because it creates a debt ratio trap.
Product: Credit reporting or other personal consumer reports

Violations of 15 USC 1681e ( b ) - Failure to Assure maximum possible accuracy Violations of 15USC 1681i ( a ) - Failure to conduct a lawful Reinvestigation Violation of 15 USC 1666 ( Fair Credit Billing Act ) - Failure to correct billing errors Violations 15 USC 1692e ( 8 ) ( FDCPA ) - Communication of false credit information Binding legal Precedents Requiring deletion of inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : if a CRA can not verify the accuracy of a disputed item, it must be deleted. 
XXXX v. XXXX XXXX XXXX, XXXX F XXXX XXXX ( XXXX Cir. XXXX ) : CRAs must verify the source of the disputed information or remove it. 
XXXX v. TransUnion, XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Any inaccuracy can serve as the basis for legal liability against a CRA. 
Pursuant to 15 USC 1681il ( a ) ( 5 ) ( A ), I hereby demand the immediate deletion of the disputed of the disputed bankruptcy entries from all credit reports maintained by Experian, XXXX, and XXXX.
Product: Money transfer, virtual currency, or money service

i have been trying to link my account with XXXX and it will not let me connect.
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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.
Product: Debt collection

I have tried to Validation 22 accounts that are on my credit report from American Collection Services. I have sent 2 Certified letters of Validation Request and 5 fax request of Validation letter. I did dispute all of the accounts with the credit reporting agencies. XXXX, XXXX XXXX and XXXX. They removed the all 22 accounts off XXXX and XXXX XXXX but didn't removed of XXXX. They stated to XXXX that the accounts do belong to me. But I can't get any information regarding any of the 22 accounts from the collection company.
Product: Checking or savings account

On XX/XX/2025, I received an email from Capital One informing me of a technical issue that had been affecting their system since XX/XX/XXXX. Unfortunately, I only became aware of the problem that day, which was also when I was expecting my paycheck to be deposited. However, my paycheck did not arrive, causing significant financial stress and disrupting my ability to meet my financial obligations on time. 

It is unacceptable that this issue was not communicated to customers sooner, despite the fact that the problem began on XX/XX/XXXX. The lack of transparency and delayed communication have been deeply frustrating. 

I request an investigation into this matter and urge Capital One to : 1. Explain why customers were not notified sooner.

2. Improve communication during technical disruptions.

3. Compensate those of us who were negatively impacted by this prolonged outage.

Thank you for addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach- Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/2024 I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, written, non-written verbal or non-verbal for the sharing of my nonpublic personal information with non-affiliated 3rd parties, including consumer reporting agencies for any purpose other than those necessary to provide me with financial products of services.

I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documentation of my communication with XXXX XXXX XXXX. 

Despite my efforts to request an opt out and me asserting my rights under GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my non public personal information to non-affiliated 3rd parties and consumer reporting agencies without my consent.

The unaurthoirized use of my personal information constitutes a violation of my privacy rights and breach of federal law. I am concerned about the potential consequences of this unathorized sharing, including the potential for identity theft, fraud, and other financial harm. 

I would appreciate it if the CFPB can investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA to protect privacy and security of consumers like myself.

I would also appreciate updates on the progress of this investigation and actions taken to address the violations committed by XXXX XXXX XXXX. 

Please feel free to contact me at XXXX or email me at XXXX if you require any further information or documents to proceed with the investigation.
Product: Credit card or prepaid card

We have been dealing with Chase in regards to this issue Since XXXX of XXXX. In XXXX XXXX in error Charged our account over 70 times for various amounts ranging from XXXX. Chase never triggered the card as fraud and this error caused 70 different orders to process and ship to our address. We called Target directly to resolve the matter and everything started out fine. They were very helpful and processed return shipping labels for over 70 different orders. We had to print all these labels our and put them on each individual box and then ship all these incorrect error orders back to target one at a time. After a few weeks or Target receiving all the orders back we were issued a handful of credits to our account. Credit were all over the place and it was very hard to keep track of everything due to all the charges and credits. As we started to go over everything. We realized the account was getting refunded incorrect amounts and some credits were missed all  together. We tried to resolve with target but no competent supervisor could figure it out. Even after providing Delivery and tracking information for all orders. We had to go to chase and started the dispute process with them to fix our account. We opened disputes and provided them all the information multiple times. Tracking, Proof of RMA from target, Delivery Conformation from USPS everything. 60 % of the transaction were successfully taken care of. 40 % of them were not. We had to re Dispute with chase several times totaling XXXX. No matter who we talked to or what we did supervisors would tell us it was to late to dispute again and we were responsible for these charges even thought we supplied everything they asked for all proof of return. We could not understand how thousands of charges on the account were taken care of but these 14 were not for the same exact reason. We spent over 5+ hours on the phone with chase supervisors trying to explain and asking for reviews of our account. We also noticed with so many credits and rebills of the account that our account balance was incorrect. It was not reflecting the proper amount. We kept getting bounced back and forth between Disputes and Customer Service. We were told over and over they were separate departments and could not review each others notes. When all this was happening we were told to make the min payment on the account and wait for their review. Keep in mind this is one one of the highest end credit cards Chase offers. We are a good customer of them for many years now. We plead for them to help and here we are in XXXX of XXXX and the issue is still not resolved. We are paying the min every month for over a year and are getting charged interest on our account. We really need your help in this matter and an executive from the chase team to help us review all this and do the right thing. We can provide tons of documentation pertaining to the entire time log and chain of events that took place. We have some large files with all the tacking and delivery conformation but cant add them to this platform they are to large. However we know chase has them anyway.