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

I am filing a complaint against Transunion for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

Navient did not provide proper disclosure on this account. Per the FCRA and per 15 USC 6802 Obligations with respect to disclosures of personal information, Navient did not follow those procedures. Navient is also violating The Privacy Act. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. I did not give Navient or Sallie Mae written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again., 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
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist from Contact Regarding account number : XXXX Dear XXXX  XXXX, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced debt, including but not limited to phone calls, letters, emails, or any other form of contact. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

Please be advised that I am requesting you to stop all further attempts to collect this debt, and I ask that you refrain from contacting me again. If you continue to attempt to collect this debt after receiving this notice, I may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or my states Attorney Generals office.

Please confirm in writing that you have received this request and that you will comply with it. Per Section 623 ( A ) ( 1 ) ( A ) ( B ) you have been notified and you are not allowed to report moving forward. Also per section 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) Im also requesting the procedure used to determine the accuracy and completeness of the information that is reporting. If you continue to report this debt you will be in complete violation of the law. I am also requesting that you provide me with written verification of the debt, as required by law, if you have not done so already. 

Thank you for your immediate attention to this matter. 

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

I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies XXXX, XXXX, TRANSUNION, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. The accounts in dispute and that have not complied with the correct verification are the following XXXX XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXXXXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} TRASNUNION XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this thank you
Product: Vehicle loan or lease

On XX/XX/XXXX, I completed a loan application with XXXX XXXX in XXXX, Alabama. They told me they approved me for a XXXX XXXX, the car that I selected on their website for {$8500.00}. They increased the price of the car to {$10.00}, XXXX. They told me I had to give them a down payment of {$3500.00} though in order to be financed. XXXX XXXX cashed my check on XX/XX/XXXX and did not tell me that I was approved for the car loan until XX/XX/XXXX. I arrived at the dealership expecting a car payment of {$330.00} a month. I did not expected to pay on the car for about XXXX to 3 years. When I arrived at the dealership to pick up the vehicle, they video taped me signing the documents for the loan. After signing about XXXX papers. I saw that the loan was to be carried out for 5 years or XXXX payments of {$330.00}. I wanted to stop the process but the salesman made me feel as if it would be too much trouble to stop the sale, and this was the only way I could get a car. At the time I had no transportation. The salesman told me that after XXXX year I could get the car refinanced, but that was not true. The finance company was XXXX XXXX XXXX XXXX. I have made my payments on time for XXXX and half years thus far. Recently, I experienced financial hardship and I have fallen behind in my payments. As of the date of this letter, I have paid XXXX XXXX XXXX XXXX, now FiNBe, a total of {$9900.00}. My payoff amount as of today, is still {$8600.00}. Once I complete this loan, I would have paid {$22.00}, XXXX. XXXX including the {$3500.00} down payment for a {$8500.00} car. This is totally unacceptable. They only financed {$5000.00}. Because I fell behind they are trying to make me sign a XXXX month deferment, but I refuse to sign onto another agreement with this company. The manipulation with the video tape and the high interest rate is pure robbery for anyone who was in a desperate situation as I was with no transportation at the time. I want others to know because other people may be manipulated into a situation such as this. I am paying {$17000.00} for a {$5000.00} loan. This should be unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I sent a letter to the credit bureau regarding XXXX XXXX  accounts showing on my credit report. I asked the credit bureau Validate the debt, A Breakdown of fees including any collection costs and medical ALL XXXX  charges how they were derived or came about so I know it was billed correctly under the guidelines of the XXXX and XXXX. 
I also requested to receive the HIPAA authorization signed by myself and to be provided with a copy of my signature with the provider of service to release my medical information to you. 

I asked for this information because the creditor could not verify or send me any info on the accounts. 

It is now XX/XX/2022 and i still have not received any correspondence pertaining to this dispute and the unverifiable accounts are still showing on my credit reports.
Product: Money transfer, virtual currency, or money service

I made a few corrections Your case # is XXXX I am part of a group in my church which a few weeks ago required that I download Cash App on my phone so that I can transact business on its behalf. The leader of this group deposited {$200.00} on this App. A representative from Cash App contacted me a few days after the aforementioned deposit was made and informed me the App I downloaded had been hacked and that the hackers could have access to all my personal information including my bank accounts and convinced me I needed to withdraw all my funds from my bank accounts and transfer these funds to Cash App so they could protect my funds and ensured me I would get all my funds returned to me as soon as possible. On XX/XX/XXXX I withdrew {$2400.00} from my XXXX  XXXX XXXX  account and withdrew {$1000.00} from my XXXX XXXX XXXX XXXX account and transferred these funds to Cash App. Days went by and they never returned my funds to me. I complained to them about returning my money and XXXX XXXX a XXXX there assured me my money would be returned to me as well as an additional {$360.00} to compensate me for inconveniencing me. I have called and texted and still no money. In the last conversation XXXX XXXX said he would call me back on XX/XX/2021 and no mention of when they would return my money to me. I have a copy of his texts assuring me my money would be returned to me promptly. I need my money ( {$3800.00} ) asap along with {$200.00} my church deposited on the App. Please help me get these funds returned to me asap.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my consumer credit report/file that do not belong to me in accordance with The Fair Credit Reporting Act.
Product: Credit reporting

On credit report XXXX Equifax, XXXX states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after 36 months of paying debit for cell phone bills will not sell a XXXX down cell phone at XXXX dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for XXXX treatment hospital care, and sent to collections feeling I was billed XXXX dollars for XXXX treatment at non VA hospital my question when my employers and veteran payee pays over XXXX, XXXX dollars in XXXX payments WHY cant XXXX pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since 1985 I do not use credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was opened without my consent. I want it removed immediately form my credit report. They are showing  XXXX  different reports to the credit bureaus.      XXXX   XXXX   XXXX   XXXX    Account Number  XXXX  Account Type Credit Card Terms Revolving Date Open ed  XX/XX/XXXX  Account Status Open Payment Status Paid Payment Status Details Current, was past due  30 da ys two times Status Updated  XX/XX/XXXX  Bala nce {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address  XXXX   XXXX   XXXX ,  XXXX , DE  XXXX   XXXX   XXXX   XXXX   XXXX  - Company Sold-to - Original Amount - Comments -
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00}
Product: Payday loan

This loan from XXXX XXXX has charged me more interest than I ever thought I would have to pay. For a XXXX dollar loan they are trying to make me pay back XXXX dollars. In addition, they took XXXX payments out of my account at the same time. I want to resolve this loan by paying the difference between XXXX and the XXXX that I have already payed, which would mean my balance should be XXXX. Please help me with this situation.
Product: Credit card or prepaid card

Ive never missed one minimum payment on my credit card and after an entire year they charged me {$900.00} deferred interest in 1 month without telling me. Nowhere did it say they were going to do this or I would have worked harder to pay off the balance. Now my minimum payment has increased and I can not afford to pay the balance at all because they charged me XXXX as a deferred interest payment. This should be illegal and I refuse to pay this fee I would rather default on my loan then pay your {$900.00} deferred interest fee. I havent charged anything in that card for over a year I was just focused on paying it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit through XXXX too take ach payments XXXX said Equifax is showing my ssn is fraudulent and not belongs too me I called Equifax had freeze removed they said it's clear too run it's not there causing me financial hardship by refuse too release my credit report and score this is in violation of the farc act they refuse too help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XX/XX/2008, a utility company in XXXX XXXX, NV, where I had never lived, sent me a letter saying I owed them money for a utility bill. The company had my social security number, so I reported Identity Theft to all 3 credit reporting agencies. I filed a police report where I do live. They refused to change the erroneous information, and still report one of my previous addresses as the one in Nevada. I don't even know anyone who lives or lived there. In this complaint, there's a request for documents, however, since this is an Identity Theft situation, what documents would a person actually have? 

This is totally wrong, and shows their lack of concern for bona fide identity theft reports. They are one of the reasons so much of it occurs, because they make it so hard for decent people to correct what criminals have done to hurt us.
Product: Credit card

I'm having a hard time making my monthly payments on credit card. The interest is very high and due to loss of income, I'm asking to make lower monthly payments or lower the interest amount. I received emails from capital one saying to call them for payment plan options. When calling and giving them my finances and what I can afford, they offered me a monthly payment {$200.00} more than what my current monthly payment was. They refused to offer any other help when asked and mentioned their email states to call for different payment options. P
Product: Credit card or prepaid card

On XX/XX/XXXX I received a call from Citi Bank asking if I was using a XXXX car. Someone charged my account twice. I checked my Citi Bank account on line and found fraudulent charges and called Citi Bank back. The charges were from XX/XX/XXXX-XX/XX/XXXX for {$2400.00}. I paid off what I owed and locked the account. The balance was {$0.00}. They did remove the charges except a revolving charge of {$49.00}. They continued to allow this charge on the card. I was given a new card with a new number and they allowed the {$49.00} to continue. I have called then over 30 times or more. The last charge of {$49.00} was XX/XX/XXXX. I am now being charged late fees, interest on the account and the original fee charged of {$1.00}. The interest includes the amount for the fraud items charged from the start. My new balance is {$190.00}. Citi has reported my payment late. I have been talking with supervisors in the fraud department and can't get this resolved. On XX/XX/XXXX I was told the balance will be cleared and my credit report will be updated, and I would receive a call when completed within 3 days. I haven't received any call and the current balance has increased. They didn't do anything, no call back either. They have not cleared the account and I get e-mail messages they have unlocked the account.
Product: Checking or savings account

Dear Federal Deposit Insurance Corporation, My name is XXXX XXXX, and I'm reaching out to you because of the lack of empathy and respect I've experienced from Discover Bank. I run XXXX XXXX XXXX, and recently I was robbed at a XXXX XXXX  while buying some personal items. My bag was stolen, and inside were two phones, my medicine, cash, and cards with PIN numbers. 

After my mother passed away, I had a XXXX  XXXX that left me XXXX  for over two weeks, causing XXXX XXXX XXXX. Because of this, I struggle to remember things like PINs and passwords, so I write them down to keep with me. 
Losing everything in that bag was a huge setback. 

My medicine, which I can't miss a dose of, was gone, and I'm now dealing with issues at the pharmacy to get it replaced early. Since my phones were stolen, it took me a day or two to contact Discover because my entire life was on those phones. 

I had to request new devices from my phone company, and while I waited for them to arrive, I was using my XXXX to lock and unlock my card as needed, which was extremely frustrating. I filed a police report right away and provided all the information to Discover, but it seems that wasn't enough. Discover Bank denied my claim without much concern. I don't often make ATM withdrawals, so the unusual activity should have been a red flag. 

When I called Discover to file a dispute, the representative didn't even suggest locking my card or issuing a new one. She didn't even bother to check if my card was locked, showing how careless they were. Instead, she just asked what documentation I could provide to support my claim, without any real interest in what had happened to me. I tried uploading the police report while on the call, but my internet was slow. 

She grew impatient and told me I didn't need to stay on the line to submit it, so I uploaded the report after the call. After nearly a week with no updates, I called today, XX/XX/year>, to check on the status of my dispute because I need a debit card. I hadn't received any email or notification about a decision. 

When I originally opened the dispute, I was told I wouldn't be issued a new debit card until a decision was made, yet Discover Bank had the audacity to deny my dispute and close my claim without even informing me. 

They claimed they sent the decision by mail, but when it benefits the bank, they usually send it electronically. It seems unfair that when it's in my favor, it has to be in the mail.. 

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

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions UNDER WHAT WOULD BE FAIR Delete Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

1 : What is this complaint about? 

This is in regard to an available credit freeze after a payment. 

2 : What type of problem are you having? 

I recently opened the card and used it to pay for part of a large purchase. I used this card because I wanted to earn the point in the store it's associated with ( Bass Pro Shops ). I paid the balance down by {$100.00} before the due date in order to use the credit card again for more points on the next purchase but it turns out that the hold is in place from XX/XX/2021 until XX/XX/2021. I have made no other purchases and paid my first payment early, so I do not know why the hold is in place. 

Step 3 : What happened? 

I contacted Capital One in order to ask about the hold. I asked 1 ) why it happened -- they responded " there are several factors, '' but couldn't list any factors when I dug deeper 2 ) is there any way that I can request the hold to be lifted sooner -- they said no 3 ) who monitors and applies these holds -- they said they didn't know 4 ) how do I file and official complaint -- they responded that the supervisor I spoke with would escalate the complaint and offered no proof that it was in fact escalated Step 4 : What company is this complaint about?

Capital One on behalf of the Bass Pro Shops credit card Step 5 : Who are you submitting this complaint for? 

Myself