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

On XX/XX/2025, I mailed a certified dispute letter to TransUnion, disputing four accounts that I identified as fraudulent and resulting from identity theft : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX  XXXX XXXX Account # : XXXX In accordance with 15 U.S.C. 1681c-2 of the FCRA, I submitted all legally required supporting documentation including : A copy of my FTC Identity Theft Report ( Ref # XXXX ) A government-issued ID Proof of address A copy of my credit report highlighting the fraudulent accounts Instead of conducting an investigation or blocking the accounts, TransUnion responded with a generic letter claiming the request didnt appear to be from me. However, I mailed the letter directly, under my own name and address, and included all legally sufficient identity verification. TransUnion has failed to meet their obligation under the FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to investigate within 30 days, and 15 U.S.C. 1681c-2 ( a ) to block fraudulent information upon receipt of proper identity theft documentation. 

Their claim that the request wasn't " directly from me '' is unsubstantiated and appears to be a stalling tactic or improper refusal to act under the FCRA.
Product: Credit card or prepaid card

I received an email and a voicemail from XXXX XXXX letting me know that there was a credit inquiry associated with Capital One. I called Capital One, and the representative confirmed that someone tried to open a credit card in my name, and that they would look into the problem. Please note that someone tried to open a credit card in my name at Capital One last year as well, also in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter to Innovis explaining how I only wanted one address which I have the right to do. The letter has My current address as well as a picture of my id and a proof of address. I will be attaching that document to this complaint, the problem is they are asking for more documentation that is not required. All that is required is a picture of my id and proof of address and the last 4 of my social.
Product: Debt collection

In XXXX after 2.5 years of negotiating while considering bankrupcy, we finalized through our lawyers and BMO HARRIS representatives XXXX XXXX of XXXX & XXXX for a Settlement Forbearance on our 3rd mortgage with BMO HARRIS of XXXX settled for XXXX with XXXX down and 60 payments of XXXX. 

We have made every payment on time and continue to do so as recorded on every statement of ours through BMO HARRIS and showing in all BMO HARRIS records.

BMO HARRIS has transferred servicing of loans to a company named XXXX XXXX  XXXX ( XXXX ) representing BMO HARRIS. 

Since this transfer occurring in XXXX of XXXX we have received through mail and multiple phone calls from BMO/XXXX, requests for, with total disregard or acknowledging a former agreement ( with payments made and accepted to and by BMO HARRIS ), for the full amount. 

There is no longer any communication available or successful with our former contact of XXXX XXXX or a successor on any BMO HARRIS phone line, extension or email. 

Our payments of XXXX are being made directly now through cash payments at the BMO HARRIS location in XXXX WI and are showing as accepted by BMO/XXXX. 

With every phone call the BMO/XXXX representative will again start over and request setting up payments on a full due amount of over XXXX. This is unsettling and we are told by our lawyers this is in violation of the FDCPA. 

We are requesting by BMO/XXXX, validation of the Settlement agreement in progress, a confirmed process of future payment, a reliable and consistent contact to work with towards a successful completion of the agreement, consistent credit reporting as " charged off '', " paying under partial payment agreement '', and as of a last payment monthly or upfront to reach XXXX as " settled '' or " paid in full for less than the full balance ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with XXXX XXXX XXXX XXXX to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter on XX/XX/XXXX XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to XXXX  XX/XX/XXXX proving I tried to dispute the account XXXX received and signed for the letter XX/XX/XXXX. XXXX did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but XXXX XXXX is when XXXX XXXX XXXX bought the account. How is XXXX XXXX still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.
Product: Checking or savings account

Capital one had a issue with paycheck deposits in was supposed to get my deposit on Thursday XXXX still today nothing. I live from pay to pay. It's a snow storm coming and I have nothing. This is a inconvenience to me and my family. My bills are past due. They won't even loan money out. Let 's not mention a holiday coming.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX reported my private nonpublic and personal information to affiliated and non affiliated third parties without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit card

I applied for the Capital One Quicksilver Credit card on XX/XX/XXXX and was approved. 

Capital One Quicksilver credit card sign up page link - https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their sign up page states the following - New Cardmember Offer Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. 
Card offers with a rewards bonus are available by clicking the Apply Now button on this page, and may not be available if you navigate away from or close this page. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months. 

I applied for the card for this sign up bonus. 
I successfully spent the {$500.00} required to qualify for the {$200.00} sign up bonus but the bonus never showed in my account. 

I reached out to QuickCustomer Care on XX/XX/XXXX, Friday to inquire about the same. They told me that I did not qualify for the bonus because it was not on my account. I told them that this offer showed on my sign up page. They told me that My credit card account is not eligible for the bonus. The customer care rep cut the call on me when I insisted that I should qualify since its on the sign up page. 

I called again on XX/XX/XXXX, Friday to ask about the bonus. They told me the same thing. I asked them to escalate this to find why I was not being given the bonus even though I meet all the qualifying requirements for the bonus - the Quicksilver credit card was my first account with Capital one so I was a new card member and I had spent the qualifying amount of {$500.00} per the sign up page. They told me they would get back to me but there isnt much that would change since the offer did not show on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. The are four XXXX XXXX XXXX accounts that are reporting incorrectly.
Product: Debt collection

Frequent calls/answering machine messages. ( Too many to document. ) Callers were a mixture of live humans and robocalls. 

Callers never left threats or used bullying tactics, but did heavily emphasize the debt collection nature of the call. 

Callers never used personal identifying information ( i.e., " This is a message for XXXX concerning debt collection. ) Callers were all from National Enterprise Systems.
Product: Debt collection

on XXXX sent letter to company stating the balance of {$630.00} its not my account its was open without my consent or knowledge the account was established by identity theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( XXXX ) not state that such consumer owes any debt ; ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; XXXX XXXX XXXX A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze on my credit report related to multiple reports of identity theft with Trans Union and the others to reporting agencies XXXX and XXXX. I applied for a mortgage loan and as informed that I would have to have the credit freeze lifted from all three agencies to apply for the loan. XXXX and XXXX responded and lifted the credit freeze within moments. TransUnion refuses to lift the credit freeze without a pin number that they claim they sent to me on XX/XX/2018. I have not received this pin number and I have informed TransUnion daily for the past 5 business days. Each time I called I was transferred to special handling and told over and over again that the pin number was mailed out on XX/XX/XXXX and to allow seven business days for the letter to be received it has been nine business days and I still have not received any communication from TransUnion. The TransUnion representatives will not help in any other way other than to offer me another mailing of the pin number in the interim. I am losing thousands of dollars in a frozen transaction with the purchase of a new home!
Product: Credit card

In XX/XX/year>, I started to work with XXXX XXXX for the purpose of restructuring my credit card debt. They were authorized to assist with the balance and credit card debt for my Business Credit Card for XXXX XXXX XXXX, XXXX XXXX XXXX. All of the documents completed with XXXX XXXX were just for me individually and did not include my husbands or his accounts at all. 

On Friday, XX/XX/year> my husband informed me that his own business credit card was no longer functional. I am not a card holder of this card or account. He contacted US Bank and they told him that they shut down his card because of my work with XXXX XXXX and that he should call XXXX XXXX. My husband has attempted to call XXXX XXXX with hours on hold and messages left. 

On XX/XX/year> I was traveling to XXXX for business and attempted to make a purchase and our joint personal credit card was not working. I called US Bank and they informed me that our Joint Personal Credit Card account was closed. Multiple calls were made to US Bank Credit Card Customer Service and I was passed to XXXX XXXX and spent several hours on hold. I also attempted to call customer service of XXXX XXXX for them to assist with the discussion and after waiting for 90 minutes on hold, could not continue to wait. 

My husband has repeatedly called US Bank XXXX XXXX and left multiple messages about this situation without a return call back and the continued problem of repeated transfer of our calls from department to department, each time needing to repeat the story from the beginning without a solution. We have gone to the local branch to ask for assistance without a response from the branch manager as to who we need to contact to address this problem. 

When I last attempted to call US Bank they told me that this is what you get for involving a company like XXXX XXXX. 

To date, we have not been able to successfully reach anyone in the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX for our credit card accounts to effectively discuss the problems we are having. 

We have had no phone call, written correspondence, or any form of communication to reach us to discuss or warn that our credit accounts would all be shut down and that {$11000.00} of credit card rewards cancelled. I was in XXXX traveling for work with no ability to pay for my travel and expenses given the abrupt nature of these cancellations and no warning that my available forms of payment would not work. I caused a considerable amount of stress and no available assistance or support as this problem evolved. 

To date, we have had no resolution or ability to reach US Bank.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX i have supplied proof of this in the attached documents below
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XX/XX/year> JEFFCAPSYS XXXX XXXX XXXX XXXX, XXXX, MN XXXX Re : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to dispute the collection account referenced above. I believe that this collection account has been placed on my consumer report in violation of several federal regulations, and I request that you immediately remove it from my credit report. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Your agency has failed to provide the required validation information for this debt. According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to furnish detailed validation information before reporting this debt to any consumer reporting agency.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given an opportunity to dispute this account. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given a reasonable period to dispute the validity of a debt before it is reported to consumer reporting agencies. 

False and Misleading Representations : Your agency is in violation of consumer rights by using false, misleading, and deceptive means to collect this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Your agency has no authority to furnish information about this account to any consumer reporting agency without providing all the required disclosures. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

In light of these violations, I demand that you immediately : Remove this collection account from my consumer report. 
Cease all collection activities related to this account. 
Provide me with written confirmation that this account has been removed from my consumer report. 
Please treat this letter as a formal dispute of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Failure to comply with these requests will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action. 

I appreciate your prompt attention to this matter and expect a response within 30 days. 

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

XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft.

Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have a major issue with a couple items that appear to be duplicate and outdated I have disputed these and I get no where. Please help AES/XXXX XXXX AES/XXXX XXXX
Product: Credit reporting

Equifax is not investigating and verifying the accuracy of accounts in my credit report that are reporting inocorrectly.
Product: Credit card or prepaid card

I did a balance transfer from my account with a promotional rate of 0 % for 12 months. I have not yet reached this 12 months and am paying the card. I could not remember how many months the promo rate was for and so searched my statement high and low and all the terms and conditions. NO information as to when the promo rate was to end. I subsequently called the credit card ( Popular Credit ) and asked when this promo rate ended. The CSR gave me one date then went away and came back to me with another date. I then told her that I really need to be able to see in writing as to when the promo rate is valid as I was not feeling confident in her shaky response. I asked where this was in all my information ( statement, online, etc. ). She said it was not posted anywhere. I proceeded to let her know that this is the only card I have that does not list CLEARLY ON the monthly statement as to when the promo rate will end allowing the consumer to plan accordingly as it can be easy to forget the original terms. ( I could not remember if it was 12 or 18 months ). I said that I think this could be illegal and predatory behavior on the part of the credit company.
Product: Student loan

Hello, In 2010 I XXXX  from college and began repaying my student loans. I had federal loans which were consolidated into one subsidized and one unsubsidized. Some payments went into deferment while I was getting my XXXX XXXX XXXX. About 2 years ago, after Navient had become the servicer of these loans, when the loans came out of deferment and I began making payments for all I applied and received approval for an income based repayment plan which also included a 10 year debt forgiveness component because I am working for a XXXX XXXX. I setup monthly automatic payments to be taken out of my checking account. These payments came put monthly without any problem for a good amount of time, I would estimate a year or more. Strangely, without any notice from Navient, and with no indication that it had do to with any issue from my bank, these automatic payments which were setup through navient simply STOPPED. I did not know they had stopped, I did not receive any word that my payments were not being collected, not even any warnings. They have simply stopped collected payments from me. While on my end, in the short term this seemed like a good thing because no one was asking me to pay, in the big picture this hurts me because I believe that it sets back the 10 year timeline of debt forgiveness that by now I should be 2 or 3 years into, through no fault of my own, and through Navients failure to even tell me that I was not paying them. In the business of my schedule as a XXXX   and a father, I have only tried once to find out why the auto payments stopped and to reinstate these payments, but I was not able to get a solution. I am going to make another attempt. But I can't help but wondering if this is related to the larger issues I am seeing in which Navient has received serious allegations for innapropriately handling their business. Is it worth looking more into for this situation, should I pursue further action? Or is my situation not one that would be eligible for correcting? Thank you for your time!
Product: Bank account or service

I set up a recurring payment for my son 's apartment in college. His rent is due the XXXX of each month. I set up the payment for the XXXX of the prior month. On XXXX XXXX, 2015, Citi took {$480.00} out of my account. The apartment complex called me and said they got today 's mail and it still has not arrived. Today is the 8th business day since Citi took the money out of my account and 10th calendar day. I am now going to be charged a late fee at the apartment. I asked Citi to cancel the check. They told me no. They said they will not cancel bill payment checks until 10 business days have passed and that I could call back on Monday to cancel ( Today is Wednesday, that would be 11 business days. ) They also informed me it would cost me {$30.00} to cancel the check.
Product: Payday loan, title loan, or personal loan

Back in XXXX of XXXX I excitedly purchased a XXXX XXXX financed through Credit Acceptance. I was told that my truck would be {$19000.00} which seemed like a fair price considering the truck was beautiful and In wonderful shape. I signed papers digitally saying this and then once I received my copy there was an extra {$10000.00} for a finance fee that I honestly had no knowledge of. I was not aware of this so now Im paying {$29000.00} plus for a XXXX I never would have done that I was told my payments would be {$600.00} but not to worry it would go down with down payment lies and car broke down less then a month. Contacted dealership and they pretended like they didnt know what I was talking about everything is as is so I was stuck. I told my family and friend with no reveal I just seen the lawsuit and realize that I am a victim of the lies and deceit on both the dealer and the financial dealer. Im just stuck and my transmission just went out so I had to hustle and make kids go without to get {$4200.00} for a transmission on a {$30000.00} XXXX XXXX really sickened Credit acceptance should be shut down so many ruined lives and credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/19, XXXX XXXX has impacted my personal credit file for {$27000.00} and placed for collection. I have asked them to please remove this because this was supposed to fall under my business. 

They have failed to work with me and I am adversely impacted my personal credit.
Product: Money transfer, virtual currency, or money service

Money and information was given to other people without permission.