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

In accordance with with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my TransUnion credit report XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prefers a consumer report it shall follow reasonable procedure to assure Maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 81 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any re-investigation on a paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified. The consumer reported agency shall 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 re-investigation and to properly notify the consumer 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 supposed to not provide any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX The complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, XXXX and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my husband ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit card or prepaid card

XXXX Alerts. 2FA VERIFICATION CODES ARE REROUTED TO CRIMINALS PHONE NUMBERS. Android Cell Phones NEW MALWARE DISCOVERED. I HAVE ALERTED USAA TO NO AVAIL. Also my XXXX XXXX XXXX XXXX PHONE has XXXX malware news reports.XXXX  REPORTS SERIOUS DATA BREACH 2Xs in 4 months USING 2 FA VERIFICATION CODES.??? USAA CONTINUES TO USE. USAA RECENTLY WAS BREACHED AGAIN. I have FCC complaints filed against XXXX XXXX XXXX. USAA continues to use 2 FA codes No Avail to my complaints??? Sounds like security issue.???
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX US DEPARTMENT OF EDU ( Original Creditor : DIRECT LOANS  ) XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : DIRECT LOANS ) XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : DIRECT LOANS ) XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : DIRECT LOANS XXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : DIRECT LOANS  ) XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am requesting copies of all credit card statements associated with accounts held in my name for the period from XXXX to XXXX, for financial audit purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX  XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 a derogatory account was placed on my credit file from Wakefield & Associates . Upon further research this unverified account was transferred and sold, and I am not responsible for this account. Wakefield & Associates has not verified or validated this collection, also there was NO written form of communication, contract or signature for the accused debt at all. A bill with no signature does not validate the debt and anybody can send a bill and say it's mine. According to FCRA, Wakefield & Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Mortgage

My loan was placed in Forbearance status in XX/XX/XXXX. Then, I applied for a loan modification through my current Lender in XX/XX/XXXX. I did not receive a response to my loan modification request until XX/XX/XXXX. I did however continue to make mortgage payments between XXXX and XXXX while my modification was in process. These payments were applied to a suspense account and not my principal balance. In XXXX, the modification offer I received contained conflicting and unclear information ( i.e. different amounts/totals on different pages, inconsistent dates, missed information in regards to my current loan, etc. ). I made a multitude of calls to my current Lender in XXXX for clarification and corrections to the paperwork but received no resolve. Therefore, I declined the offer in XX/XX/XXXX and requested my account be brought current by applying the funds in the suspense account to my principle balance. This took approximately 4 5 weeks and several more phone calls to correct. I have made every monthly payment on time since XXXX through XX/XX/XXXX. However, my current Lender has been incorrectly reporting my account status to all three credit bureaus as 60-89 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and as Unknown for XX/XX/XXXX and XX/XX/XXXX. 
This has adversely impacted my credit scores. One bureau score dropped by 140 points and the other two by 40 points each. I currently do not qualify to refinance my mortgage loan as needed. I also have been unable to obtain additional credit to finance repairs to my home. 
I have made numerous phones calls to my Lender for correction. I was told I needed to submit a request to their Research Dept., which I did in XXXX. I followed up on this request four to five times since via phone and email and have not received a response or status update as of yet. This issue is still unresolved today.
Product: Credit reporting or other personal consumer reports

I have been with XXXX for 5 years and am at the end of my personal loan. I requested an extension on XX/XX/XXXX. The messages are recorded between I and " XXXX XXXX XXXX. This extension rolled over XXXX payments for XXXX to the end of my loan. The contract states that interest will still occur but that the payments are deferred. I agreed to the contract and it was generated on my account. The contract states that another extension may be requested if needed. 

On XX/XX/XXXX a second contract was obtained from XXXX XXXX. The contract I received was the same as the last where now a total of XXXX payments were deferred to the end of my loan and my maturity date is XX/XX/XXXX. I then made a {$220.00} payment on XX/XX/XXXX as per the XXXX automated system requested I make. My regular payments are {$110.00} every XXXX weeks. 

My credit reporting for XX/XX/XXXX now shows " 30 days late '' on my XXXX which is not accurate. 

On XX/XX/XXXX I called and spoke to a live representative who stated that she ONLY saw an extension for XX/XX/XXXX and not XXXX. After several minutes she stated she located the extension for XXXX mentioned IN THE NOTES of the account, but that the extension was not placed into XXXX 's system, causing the error and causing the account to be marked delinquent via reporting. I spent approximately XXXX minutes speaking to this representative to repeated that the extension was noted, BUT NOT entered into the XXXX pay system. I still have the contract that states it was. The representative also asked ME what my maturity date was per the contract as she did not see the information. I have never had ONE missed payment in 5 years and this is clearly, as stated by the rep, their fault. I have the contract in hand as evidence to have this 30 day hit deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account is past the statute of limitations and I would like it removed from my account in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : details. 
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit card

My husband & I went on a cruise from XX/XX/XXXX- XX/XX/2023 with XXXX XXXX XXXX XXXX and prior to boarding we gave them a credit card with a {$3000.00} limit and was also given a substantial amount of onboard credit and casino promotions. 
When we got home we opened their app ( we could not while on the ship because we had no internet service ) and we were charged {$17000.00} on a {$3000.00} limit card. We do not and still not believe we spent this kind of money. We tried requesting a copy of statement with date and time charges but to this day have never received anything from XXXX XXXX XXXX XXXX XXXX who runs the casinos onboard ). Not a call, email, statement with date and time. 
Tried filing a dispute with the credit company and told them exactly what happened and at first sounded like if XXXX XXXX did not reply it was in our favor. Spoke to them at least 70 times and after all these times they stated we could not file a dispute because of the kind of charges they were. We were very honest and up front to what this charges were at first and they were fine with it! You would also think after talking to 70 people, no exaggeration one would know you could not dispute these charges. I have talked to many account managers from Barclay and they all come up with something different. Even some have told me not to pay, this should have never happened and they have never seen it happen where a credit card has gone so far over the limit. Dont believe XXXX XXXX has ever discussed this with Barclay they credit card company. What is odd though Barclay is also the bank for Carnival XXXX XXXX and XXXX XXXX XXXX XXXX credit cards?? So who we were trying to file a dispute with is Barclay 's customer also but a bigger one. Barclay is trying to blame XXXX XXXX for all these charges but I believe the credit card company is the one who denies it when you go over your credit limit.
Product: Debt collection

This is the SECOND time this has happened with this company. 

This time, it is an XXXX XXXX XXXX bill. 
XXXX Acct : XXXX Afni Acct : XXXX {$35.00} balance due. 

Just like last time with XXXX, I called the one who is allegedly owed a debt, XXXX XXXX XXXX. 
They said that the account number wasn't a correct account number and therefore couldn't verify anything. I confirmed that they had no number with the name and they sent me to a fraud reporting line. 

I tried calling AFNI. They sent me to a supervisor 's line, but the supervisor wasn't there and it went to email. 

Please keep me informed on the results of this complaint in case I wish to pursue legal action. This is the second time I've had issues with this company. Last time, they threatened legal action against me if I didn't respond within a few days.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor 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. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$72000.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

New mortgage servicer has all of my information wrong and refuses to correct it, or even call me back. The inaccuracies listed below are part of a open ticket # XXXX. I really don't see that its my fault that they do not know what they bought in my loan from XXXX. 

" Please update my account to the correct info. 

XXXX said they took the loan XXXX, I have a letter from XXXX saying it transfers on XX/XX/XXXX. 
The amount owed XXXX is showing is $ XXXX my loan remaining amount is roughly $ XXXX it shows I am accruing interest daily at the $ XXXX rate, possibly with late charges since XX/XX/XXXX, why? 

XXXX says XXXX payment hasn't been paid, I have paid both XXXX and XXXX payments early. 

My Insurance is prepaid for the year ( in full, XX/XX/XXXX ), so, why we are XXXX taking extra insurance for XXXX, as shown in Escrow breakdown? 

The info in account is in quite a poor state. Please let me know when all this will be fixed '' XXXX refuse to mail me back or call me. When I call in, the customer service rep has no clue about anything other than what's on his screen ( wrong information ) then, I'm on hold for a supervisor for over an hour then the phone hangs up before the Supervisor answers.
Product: Credit card or prepaid card

Case Nos : XXXX & XXXX CapitalOne, XXXX 's took over the XXXX 's program from XXXX XXXX XXXX  in XXXX of this year. I had filed a dispute with the latter on XX/XX/2022 as well as a complaint with the XXXX. I had written many letters to XXXX XXXX  and they never investigated or resolved the dispute in 5 months. Instead they transferred everything to CapitalOne. Now comes CapitalOne and it is asking me to pay for the never investigated or resolved disputed amounts of {$2300.00} & {$2100.00} to merchant XXXX XXXX for services not rendered. CapitalOne insists on initiating a new dispute which should not be. According to federal law a financial institution has 90 days to respond to a dispute and if the merchant is contacted and never responds it forfeits the amounts disputed. As XXXX XXXX XXXX  never investigated, or if they did, the merchant did not respond thus canceling the transaction outright. I have asked CapitalOne to obtain all documentation from XXXX XXXX to be able to determine what they did or did not do thus allowing us to solve this old dispute once and for all. They have failed, refused or neglected to do so and now insists I must pay. They have also billed my account for the outstanding amounts which, by the way, XXXX XXXX  never even issued temporary credit as required by law. Since CapitalOne acquired all rights to the XXXX 's credit card program they should honor my original dispute and either charge back XXXX XXXX  or demand they turn over any and all documents they possess having to do with my original dispute of XX/XX/2022. CapitalOne has been provided with my many certified, return receipt letters to XXXX XXXX  and yet, instead of accepting the original dispute they wish to proceed with a new one and refuse to get back to XXXX XXXX  for all proper documents pertaining to their investigation of lack thereof. Since XXXX XXXX  has not sent anything to CapitalOne and never bothered to even investigate or give me a definitive answer, CapitalOne should issue temporary credit and deal with XXXX XXXX  instead of expecting me to take up the matter myself. This is not proper banking practices as they just want to drop the dispute on my lap and not do their due diligence themselves.
Product: Credit card

Walmart offered 15 % discount on todays ' purchases if I opened a card, but after opening the card, Walmart withdrew their 15 % offer ( said that I will need to wait until I received the card to get the 15 % ), and when I asked to withdraw my application, my request was denied and Walmart processed my application. I received the card XXXX weeks later which I immediately closed. This is of concern only because it will be reflect on my credit report.
Product: Debt collection

XXXX XXXX is sueing for old debt that has been charged off and I wasn't 1099 for it.
Product: Debt collection

I received a letter from Resurgent Capital Services stating that it was an attempt to collect a debt and if I didn't notify them in 30 days, there office will assume that the debt is valid.I never received products nor services from Resurgent Capital Services. I sent Resurgent Capital Services a dispute letter and in that same letter I also asked for them to provide me the Instrument of Indebtedness which they have yet to produce, but yet continue to try to collect on a debt in which I do not have with Resurgent Capital Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Bridgecrest for their failure to properly reinvestigate inaccurate information reported on my credit file. I disputed an account that Bridgecrest is reporting under my name because I believe the information is inaccurate and not related to me. Despite submitting a formal dispute, Bridgecrest has failed to comply with the reinvestigation requirements under the Fair Credit Reporting Act ( FCRA ) Section 1681i. 

Bridgecrest has neither conducted a reasonable reinvestigation nor provided me with any documentation supporting the accuracy of the information in question. I have not received any communication or confirmation that my dispute has been adequately addressed, and the inaccurate information continues to negatively impact my credit profile. 

Bridgecrests failure to reinvestigate this matter is in violation of the FCRA, which requires them to investigate disputes in a timely and thorough manner. Their lack of action is causing harm to my credit standing and financial well-being, as the inaccurate information remains on my report. 

I request that the CFPB assist in ensuring that Bridgecrest complies with its obligations to reinvestigate this disputed information, provide me with a clear resolution, and remove any inaccurate data from my credit file if it can not be verified.