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

Transunion, XXXX, & XXXX stated that several inquiries were verified as accurate. I would like the documents or person they spoke with to verify this information. Failure to provide this evidence take this as legal notice I will be suing each consumer agency based on their own admission that their services are not authorized but paid to report personal transaction history of consumers. 

These inquiries are causing me damages. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a dispute with Experian regarding fraudulent accounts on my credit report caused by identity theft. I included my FTC Identity Theft Report ( Report No. XXXX ) and supporting documentation to demonstrate that the following accounts were opened fraudulently : XXXX XXXX Services To date, this account remain on my credit report. Experian has not provided adequate information about the investigation conducted or the methods used to verify this account. I am concerned that Experian has not complied with the Fair Credit Reporting Act ( FCRA ) by failing to conduct a thorough investigation. This issue is damaging my credit and causing financial harm.
Product: Credit reporting or other personal consumer reports

I called Experian XXXX on XX/XX/year> They answered then hung up immediately I called back XXXX on XX/XX/year> & waited a hour to speak to someone. 
I asked to have my personal information updated and for them to delete all the inaccurate information on my account
Product: Debt collection

I received a letter in the mail from Collections Professionals , Inc that was dated XX/XX/year>. Stating I owed {$1200.00} for medical services from XXXXXXXX XXXX  I dont remember the exact date I received the letter but I responded with a letter which I kept copys of on XX/XX/XXXX. Requesting proof of debt, original creditor, original legal agreement, and license to collect. I sent my letter via certified mail which was received on XX/XX/XXXX. I got a response dated XX/XX/XXXX. That essentially states their client confirms my debt and I should pay the amount listed. I waited for a validation until the 30 day grace period was up. Today is XX/XX/XXXX and I attempted to contact them asking for the information I requested and the said the would send document via email that I havent not received still. When I told them I think theres an issue because the XXXX would have billed the VA for any bills related to my visit she stated I should have the VA try to pay this claim. I contacted the hospital I received care at which stated the bill was paid by the VA and has a no patient responsibility clause or notation. To my knowledge it would be illegal for them to bill me outside of what the VA would pay due to the No Surprises Act. So Im not sure where this debt comes from or its legitimacy. And the debt collector has failed to inform me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis nexis is improperly and illegally verifying bankruptcy information without utilizing the clerk of courts. The information is being shared on transition consumer reports improperly.
Product: Checking or savings account

Someone got ahold of my account information and tried to deposit a fraudulent check into my account. The bank froze my account and its been under investigation since late XXXX. I received a direct deposit from social security on XXXX XXXX 2022 and I havent been able to withdraw that money because the account was under investigation. The Citibank agents said it can take XXXX business days before they can close the account. Its been well over XXXX business days and every time I call to see whats going on they just give me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed a disputes with XXXX XXXX and Transunion in regards to my credit report. It has been well over 30 days and I have not received any investigation results. On XX/XX/2021, I also sent all three credit bureaus 30 day demand to comply letters and I still have not received any investigations results.
Product: Mortgage

My mortgage company 's : Ameri Home Mortgage I am XXXX XXXX  who has been approved to be tax exemption ( from property taxes ) based on my service connected XXXX. 

I've reach out to the mortgage company on serval occasions ( XX/XX/XXXX ; twice on XX/XX/XXXX ) regarding reducing my monthly mortgage payment based on my tax exemption. 

All documents were submitted in XX/XX/XXXX, after speaking with a representative from the company, the person stated they have all the required documents and it would take XXXX business days to complete the action to reduce the mortgage and XXXX mortgage would reflect the reduction in the mortgage. 

As of XX/XX/XXXX no action has taken place to reduce my mortgage. 

If the escrow account is short, the mortgage company would immediately take action to send out a notice for payment. I'm requesting that mortgage company take the same action with acting timely to reduce the mortgage based on the tax exemption. 

Thank you. 

XXXX XXXX
Product: Credit card or prepaid card

I applied for a credit card with a balance transfer feature in XXXX XXXX. I received the card a couple of weeks later. I did not activate the card, because i was not going to use it for a while. On XX/XX/XXXX I reported fraudulent activity to the bank. There was a balance transfer for {$5400.00} to a company that I have never heard of or done any business with them and very obviously not done by me. Contacted the bank on XX/XX/XXXX and explained that it was a completely fraudulent transaction again and they promised a resolution by XX/XX/XXXX and told me this would be covered under their fraud protection program. On XX/XX/XXXX I received a letter claiming that there was no fraud. That claim is incorrect and impossible. I have never done business with the company that actually received the money, nor do I have any knowledge of the existence of that company. And more importantly the company that they say I owed money to is not listed on my credit report. 
The only way I found out about this problem was when I checked my credit and saw that there was a balance on a card I had never used.
Product: Vehicle loan or lease

In XX/XX/2016 when I was finalizing the process of purchasing my car I conveyed to the sales representative that the interest rate was high. He said, after a few months to a year or so to go to a credit union to refinance the loan. I attempted to do that and was denied multiple times. One of the credit unions told me I didnt earn enough for a refinance yet it was the same amount ( SSDI ) as when I purchased my car. I purchased the car believing that I would be able to refinance the loan as advised by the car salesman to refinance the loan. When that didnt work I called the loan originator, Santander Consumer USA . I was denied a refinance because they dont refinance their loans. Im now beyond three years into the loan unable to take the misleading advice of the sales rep at XXXX XXXX XXXX and having failed at negotiating the APR with the lender as Ive had no late payments and paid on time. Im issuing this complaint today because both the car dealership and the bank ( XXXX, # XXXX ) gave the same misleading and deceptive advice. I believe this is a deceptive tactic which is misleading consumers into believing they can do something they may t be unable to do if theyre or on a fixed income. These practices are discriminating against the XXXX such as myself and imprisoning these consumers due to their misrepresentation in marketing the loans with deceptive business tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been correspondence sent regarding incorrect information being reported on my credit report. It appears as XXXX XXXX XXXX XXXX. 
I received a general response they always tend to send regarding a dispute stating it was verified as valid although the errors are still reflecting the account. I requested a method of verification twice and I did not receive it. The errors that continue to appear clearly indicates that an investigation and/or research was not accurately processed or these errors wouldve been identified.
Product: Debt collection

In XX/XX/XXXX, an amount of XXXX appeared on my credit report from XXXX XXXX XXXX A check had been written on an account that has been closed since XXXX, when I had identity theft. This is not my debt. I received a call From Sheriff department in XXXX county in XXXX XXXX. There has been another check forgery in XXXX county. I have not written any check to XXXX XXXX XXXX. These checks are forgery. 
I disputed these allegiations but the calls continue. 

Numbers-XXXX, the recording states time sentive, call XXXX Reference number XXXX
Product: Student loan

I have been receiving multiple phone calls over past few weeks  (  middle of  XXXX  through  XXXX   XXXX ,   XXXX   ) about a loan. Most calls are automated. There is not a real person contacting me.   I tell the " caller '' they have the wrong phone number. the automated caller does not understand and keeps telling me to enter my information.   I have written down one number,  XXXX . Another number is also given, but I have not written it down. Sometimes the caller identifies as Navient, sometimes as  XXXX , but I am unable to write her personal number and extension fast enough.   They want to talk to  XXXX . I am unable to understand that person 's last name.     When I called the CFPB, I was told that Navient provides student loans. I have never had a student loan nor have I ever co-signed a student loan. No one in my house has a student loan or co-signed a student loan.     Please could you tell Navient to stop calling my phone  XXXX . This is harassment.   Thank you for resolving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car crash on XX/XX/20 My insurance totaled vehicle and paid XXXX what the cars market value was. They have made delinquency and late payments. They have not responded myself, call me back when leaving messages or ever answering and giving the paper work needed by my insurer for months. 

I have been negatively affected by XXXX and this is not ethical to make me and my credit suffer. 


My comany Insurance has gap. Ally has been reluctant to speak and resolve this and allow my insurance company to pay the remaining balance of what is owed. 

They have not reported to any Credit reporting agency the vue of payments made. 

They have made false reports on their own recongnisense.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted XXXX XXXX to report numerous fraud charges on my account I requested the ability to upload supporting documents and was not granted access to it. I had to call back repeatedly, and the situation has not been remedied. This has adversely affected my Credit Score as a result.
Product: Debt collection

XXXX from XXXX XXXX XXXX in New York is contacting unrelated third parties seeking information about me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had a proper investigation. I want a fair accurate report. my name is XXXX XXXX and I pulled my credit report back in XXXX last year. I been fighting with the creditors and credit bureaus for going on 6 months. I still have inquires That I didn't make, and accounts that'd reporting inaccurate information. 

I did not make these inquires XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I NEVER MADE ANY OF THESE INQUIRYS. 


Second there have been accounts that was deleted that was put back on my report without notifying me. That's unethical and its violating the law per fcra. 
XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Third there are accounts on my report that has not been properly verified. 
I received no proof.
Product: Credit card or prepaid card

THE HOME DEPOT DECREASED MY CREDIT LIMIT AND THEN CHARGED ME AN OVER LIMIT FEE ON MY BALANCE I HAVE WRITTEN THEM SEVERAL LETTERS AND THEY FAILED TO ANSWER SO I WROTE ANOTHER LETTER STATING I WAS CLOSING MY ACCOUNT AS THEY DID NOT RESPOND TO MY LETTERS.I CUT THE CARD UP AND SENT IT TO THEM AND THEN THEY CHARGED ME ANOTHER OVER LIMIT FEE
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter with 2 forms of identification on XX/XX/2022 asking the agencies to update my address as wells telephone number with no update or response. I am requesting the agencies to update my information. with the following information in the attached document.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against TransUnion LLC, XXXX, AND XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in investigating and correcting inaccurate information on my credit report. Despite multiple dispute requests, TransUnion has refused to properly reinvestigate, update, or remove incorrect data, violating my rights under federal law. 

Complaint Summary : Incorrect Payment Reporting and Misleading Credit Status XXXX XXXX ( Account # XXXX ) has been fully paid**, yet TransUnion continues XXXX report it as derogatory and in collections. 

FCRA Violation : USC 15 1666B A creditor may not treat a payment on a credit card as an open-ended consumer credit plan.

Requested Action : Immediate correction to reflect a positive status or full deletion of the account.

Failure to Maintain Accuracy Across Credit Bureaus The information TransUnion reports does not match my records with other credit bureaus, indicating a failure to uphold standard data accuracy.

FCRA Violation : 15 U.S. Code 1681b ( e ) ( 6 ) Lack of a joint notification system to ensure accuracy.

Requested Action : Immediate deletion of the account due to conflicting and misleading reporting.

Failure to Indicate Disputed Status The Credit bureau violates my right to have disputes acknowledged.

FCRA Violation : 15 U.S. Code 1681i ( c ) Failure to note consumer disputes in the report.

Requested Action : Proper notation of my dispute or removal of the account.

Failure to Conduct a Proper Reinvestigation The Credit Bureau has failed to provide verification of the disputed information and continues to report incorrect details.

FCRA Violation : 15 U.S. Code 1681s-2 ( b ) Failure to reinvestigate disputes as required by law.

Requested Action : If the disputed information can not be verified, it must be deleted immediately.

Reinsertion of Previously Deleted Data Without Notice The Credit Bureau reinserted inaccurate and outdated information without properly notifying me.

FCRA Violation : 15 U.S. Code 1681 ( a ) ( 5 ) ( B ) ( ii ) Failure to notify consumers of data reinsertion.

Requested Action : Remove reinserted data and ensure compliance with reinsertion notification rules.

Legal Basis for Complaint I am aware of TransUnions, XXXX, and XXXX ongoing noncompliance. Furthermore, I am aware of recent lawsuits against the credit bureaus for similar failures to maintain accuracy and comply with FCRA regulations. Their actions amount to willful negligence and ongoing violations of consumer rights.
Product: Mortgage

I Inquired about a refinance of my home with Quicken loans. I was told my interest rate would be 3.5 % and my closing costs would be {$2500.00}. I received in the US mail documents for me to sign showing that my loan costs were over {$4900.00}. I was asked to give a {$500.00} Depost for the apprasial. I have had no apprasial done as of yet and I have cancelled my loan with Quicken. I want my deposit back as I was mislead about the amount of closing costs. I originally spoke with XXXX XXXX # XXXX. I feel he lied to me to get a {$500.00} deposit. He also told me the {$500.00} would be deducted fromy closing costs. The paperwork does not reflect my deposit. I feel scammed. Now that I want out of this loan, nobody is communicating with me regarding this matter. Quicken Loans operates a scam to get people to pay {$500.00}.
Product: Checking or savings account

Held my tribal check and said it was fraudulent for over a month
Product: Credit reporting or other personal consumer reports

I submitted a dispute on Transunion about account XXXX XXXX that were appearing on my credit report. 
Mailed On : XXXX conclude that XX/XX/year>XXXX XXXX XXXX  was no longer listed on my credit report XX/XX/XXXX, XXXX concluded account was added to your Transunion credit report, as new on-time payment Mailed On : XXXX it was placed back-no change Mailed On : XXXX change I called Transunion customer service support as a result of the incomplete and inaccurate investigation into XXXX XXXX XXXX and was told that they do not do any investigation. that is up to the Creditor. It doesn't matter if the date opened date closed last date active or if the other credit reporting agencies had deleted the account for the very reasons, the don't do investigation. I have yet to receive he correct and proper solution even after submitting the very same proof to the other agencies and having them not violate my rights as a consumer and corrected it. I since did my own research and found that several lawsuits have been filed against Transunion for not properly investigating disputes and violating consumer rights as well as HL Collections, I found out they may not have a license to collect in my state, when making Transunion aware of this they totally ignored me and offered to just keep disputing that is exhausting when they can just do it correctly the first time. I would like this experience on record of the inadequate reasons and the lack of failure to investigate the consumers complaints. Since this has not been addressed correctly, I have suffered from this being negatively reported on my credit report due to the incompetent to this credit agency. I did provide validate proof of the mishandling and misreporting on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XX/XX/1976 SSN : XXXX Dear Sir or Madam CC : CFPB Please be advised that inquiries appear on my credit file due to identity theft. I have filed an FTC Identity Theft report which is attached : the items Violate U.S.C-1682 ( c ) ( 2 ) and must be blocked removed within 4 business days.

The following inquiries violate 1681c2 and do not appear as result of any authorized transaction involving myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received a credit card in the mail from MattressFirm/Syncrony XXXX  with a letter telling me to activate the card. I never applied for the card and don't want it. I called the customer service number and told the representative that I never applied for the card and that I wanted the account closed. If an application was made, it must have either been done fraudulently or illegally by Synchrony.
Product: Credit reporting or other personal consumer reports

I looked at my report back as of XX/XX/year>, 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 or the intormation concering the individual about whom the report relates. These accounts ( XXXX XXXX XXXX XXXX Account # ( XXXX ), ( XXXX XXXX XXXX ) account # ( XXXX ), ( XXXX XXXX CO ) account ( # # # # # # # XXXX ), ( XXXX XXXX XXXX ) account number ( # # # # # # XXXX ) are ridiculously incomplete and not accurate. 
In accordance with the Fair Credit Reporting act. Accounts listed above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 probable cause to believe the information is inaccurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to repair and delete some accounts from my credit report ; however, there are still accounts that needed to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are deleted. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I made a payment to my credit card account with Capital One on XX/XX/XXXX in the amount of XXXX. It posted the debit to my checking account and I show the credit to the Capital one Account.. I attempted to use the card the next day and the purchase was declined due to lack of available credit. When I called and asked Capital One the customer service rep XXXX advised me that they " hold on to funds '' to make sure they are good before they make the credit available to use on the card. He stated that it could be a few days and it was common practice. The payment was made via ACH so it was not a paper check that was sent in for payment. I am not sure if credit card companies are held to the same standards as banks but shouldn't this be a reg z or cc violation? Needless to say I closed my account but still want someone to follow up because if Capital One is doing this to me then chances are they are doing it to others which would not be a fair practice.