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

Transunion is reporting false information to my credit file. A collection agency : XXXX XXXX XXXX agreed in writing on this data base to remove all Collections from my credit reports and they have done so except for Transunion. When I asked them about it they said to contact Transunion but I have and have gotten nowhere. I want this Collection removed XXXX. Also I am a victim of the XXXX breach and wanted to extend my freeze and you denied me.
Product: Checking or savings account

I checked my Chime account on a regular daily basis for the last XXXX XXXX. Today [ XX/XX/XXXX ] at XXXX XXXX., I noticed a XXXX XXXX  transaction fee that the bank approved to pay off a credit line that I did not authorize. They did the same thing back in XXXX on the XXXX at XXXXXXXX XXXX where they took {$3.00} out to pay for a credit line fee that I did not authorize. I owe Chime {$0.00} in credit, and I asked them for refund and information about this and they did not provide kept re wording their policy. They closed my credit line in XXXX of XXXX.
Product: Credit card or prepaid card

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. I returned the item on Saturday, XX/XX/XXXX. XXXX tracking shows that the item was received at an XXXX facility in XXXX Indiana on Tuesday, XX/XX/XXXX. XXXX customer service informed me that a refund was initiated on XX/XX/XXXX. I waited for 3 to 5 business days, but the refund never reflected on my credit card account. I contacted Synchrony Bank and they do not see a refund either. I am being given the runaround by both parties, and have waited nearly a month for my refund. This has negatively affected my credit report and is hindering my ability to make purchases using this credit card. 

Order date XX/XX/XXXX XXXX # XXXX Order total {$2000.00} ( 1 item ) Amazon.com Store Card ending in XXXX
Product: Debt collection

Debt owed to XXXX XXXX for XXXX. This debt collection agency Named Alltran financial started calling my work and also my wife who has nothing to do with my debt. They also called my father and I have already stated to all my companies to NOT call my work address. I would like to fine a complaint for calling cell phones soliciting payments from my wife and dad and also calling my work where I have explicitly stated to NOT call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was previous disputed and removed by another collection company " XXXX XXXX '' because the original lender could not prove that I legally owed this debt, so after I disputed and resolve this debt. It was sold to another company " Ability Recovery Services '' and I ask then to do the same. XXXX did not do their due diligence in their investigation, if they did, then XXXX   would have recognize that I disputed this debt before and it was removed cause the original creditor could not verify this debt and months later it was sold to another collection agency. I requested the collection agency 'Ability Recovery Services '' to provide me with several documentation : 1.  What do I owe this money for? 
2. Explain and show me how they calculated what they say I owe?

3. Provide me with copies of any papers that show I agreed to pay what they say I owe?

4. Provide me with any judgement, if applicable?

5. Identify the original creditor?

6. Prove that statue of limitations has not expired on this account? 

XXXX has said they verified this information. I believe they never contacted the original creditor and they never provide me with a letter or letters from the original creditor. 

I attached all the necessary documents as proof, to further prove that XXXX  did not do their due diligence in verifying if this information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute requests to remove incorrect addresses and to also dispute the negative accounts on my XXXX, Transunion, and XXXX reports on XX/XX/XXXX and XX/XX/XXXX via mail. I have not received any mail or correspondence that a dispute or investigation has taken place. I thought that when you do not hear anything from the credit bureaus in 30 days that is automatic grounds for deletion of the requested dispute accounts due to not validating within 30 days. Please look into this and process this dispute as applicable. If it is my understanding that the disputed accounts will be deleted, I expect this filed complaint to be completed in that manor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX  ) XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602 A. States I Have The Right Of Privacy.

15 USC 1681 section 604 A. section 2 : It also states a customer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX  account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX XXXX Has violated my rights. 
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.
Product: Debt collection

I have a medical debt reporting on my credit that I have no knowledge of. I have never had services done with this facility nor have I authorized anyone else to do so. This debt does not belong to me.
Product: Credit reporting or other personal consumer reports

I honestly dont know how else to express my frustration with the errors on my report. These mistakes are causing real, tangible harm to my score and my future. Every time I think Ive addressed the issue, it comes back to haunt me. Its draining to constantly have to fight for something as basic as an accurate report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any consent to report anything on my consumer report, no consent is Identity Theft Under 15 U.S Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report, these accounts are violation, any credit transactions are supposed to be excluded from a consumer credit report if a social security card was used in the transaction.

15 USC 1681S-2 ( A ) ( 1 ) ( E ) ( ii ) Rehabilitation of private education loans, these loans below have completed the Rehabilitation process XXXX {$50000.00} Department of Education {$16000.00} Department of Education {$11000.00} Department of Education {$7500.00} Department of Education {$6300.00} Department of Education {$5700.00} Department of Education {$3400.00} Department of Education {$3300.00} Department of Education {$2500.00} Department of Education {$2500.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a validation letter showing my social security number, my texas identification number and my signature and company failed to do so, they send me a letter with only a name saying XXXX XXXX and a signature thats not mines and nothing else i will like this removed out my credit report immediately due to incorrect verification, if failed to do so i will be filing a lawsuit for having incorrect information on my credit report and not verifying correctly wit all the correct details you are damaging my credit worthy ...
Product: Debt collection

I sent the following letter and have not heard anything back SW CRDT SYS XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX Dear Sir or Madam : I recently checked my credit on XXXX and found that you had entered a derogatory mark. There must be some mistake as Ive never heard of you or from you. Not one bill. Ive lived at the same address for over 30 years with the same home phone number. 
Perhaps you have the wrong person I dont know but I pay my bills. 
Please look into this and remove the erroneous mark ASAP So I sent the below to XXXX  and XXXX I recently obtained a copy of my credit report from XXXX and found a derogatory mark from SW CRDT SYS. There must be some mistake as Ive never heard of them or from them. Not one bill. Ive lived at the same address for over 30 years with the same home phone number. And I pay my bills. 
I would appreciate it if you would look into this matter and clear up this remark. 



I thought it might be from a dispute I hade from XXXX XXXX so I got my XXXX  report and they don't show anything
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX 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, Transunions 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 Transunion complies with federal law and provides consumers with the necessary proof of investigation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts to dispute these items I am writing to request the removal of unauthorized credit inquiries listed on my credit report with [ XXXX XXXX XXXX Upon reviewing my latest credit report, I noticed [ number of hard inquiries ] credit inquiries that I did not authorize. I request that these inquiries be removed from my credit report immediately, as they were not initiated or authorized by me. Attached, you will find a copy of my credit report highlighting the disputed inquiries I appreciate your assistance in resolving this issue promptly.
Product: Debt collection

XXXX XXXX Received notification from SouthwestCredit, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX for collection of an alleged debt {$93.00} from XXXX for an account number that is unknown to me. In XXXX XXXX received notification from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for collection of an alleged debt in the amount of, you guessed it, {$93.00} from XXXX for a different account number that is unknown to me. In both cases, I have contacted XXXX XXXX and have been advised that all accounts associated with my name are in good standing and that they have not placed the debt for collection. I have sent letters disputing debt and citing violation of Fair Credit Reporting Act. I am fed up with this! I ca n't even count the number of telephone calls we have received from " debt collectors '' and " credit card services ''. I have complained, and complained, and complained!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Complaint is against PennyMac loan services When I bought my home in XXXX initially, I was told that my loan is fixed and the said amount I am paying XXXX approximately. I was my first time buying a home. Overtime this XXXX has a bad dubious business practice. They continue indiscriminative escalate my monthly payment without justification why my monthly payment continues to increase discriminately. Today as of now the hick to XXXX? The sad practice is that the actual amount that goes to my principal is extremely low. Imagine XXXX out of the XXXX $ dollars goes for my principal. The worst still they have been asking me to refinance my house claiming that will provide me an opportunity to saving XXXX XXXX In other words, they arbitrarily hick the prices then ask me to refinance in other to saving money?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX [ XX/XX/year> ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute Letter Regarding Collection Agencys Violation of Consumer Rights Dear Consumer Financial Protection Bureau , I am writing to formally dispute the actions of [ I.C. System INC account number XXXX ], which I believe to be in violation of my rights as a consumer under federal law. Specifically, [ I.C. System INC account number XXXX ] has not adhered to the requirements set forth in 12 CFR 1006 ( Regulation F ) and 15 USC 1681 ( Fair Credit Reporting Act ). I request your assistance in addressing the following violations : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : [ I.C. System INC account number XXXX ] has not provided validation information regarding the alleged debt, as required by law. Despite this, they have reported this account to consumer reporting agencies, adversely affecting my credit. 
2. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ) : I have not been given the legally mandated opportunity to dispute this account. The agencys actions deprive me of my right to challenge the validity of the debt and are therefore non-compliant with Regulation F. 
3. False and Misleading Practices ( 12 CFR 1006.34 ( d ) ) : By furnishing this account to consumer reporting agencies without providing the necessary disclosures and validation, [ I.C. System INC account number XXXX ] is engaging in deceptive, misleading, and misrepresentative practices. These actions are in direct violation of the rules governing fair debt collection. 
4. Violation of Fair Credit Reporting Act ( 15 USC 1681s-2 ( a ) ) : [ I.C. System INC account number XXXX ] has no authority to furnish information to consumer reporting agencies without first meeting all disclosure requirements outlined by federal law. Their failure to comply is a clear breach of the Fair Credit Reporting Act, specifically Section 1681s-2 ( a ). 

These actions by [ I.C. System INC account number XXXX ] have caused undue harm to my credit profile and personal finances. I kindly request that the CFPB investigate this matter and take appropriate action to enforce compliance with federal laws. 

I also ask that you ensure [ I.C. System INC account number XXXX ] provides full validation of the alleged debt, removes the unauthorized collection entry from my consumer report, and ceases any further reporting until they meet their legal obligations. 

Enclosed, I have attached copies of relevant documentation to support my claim, including my consumer report and correspondence with [ I.C. System INC account number XXXX ] ( if applicable ). 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me at [ XXXX ] or [ XXXX ] for any further information. 

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

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX  was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit card or prepaid card

Wells Fargo, {$80.00}, On XX/XX/XXXX the autopay on my XXXX Credit Card was turned off. I have had this card for eight years and have always had autopay on. I only found out that it was turned off upon seeing two financial charges on my credit card statement for a total of {$80.00}. Upon reaching out to Wells Fargo they Told me that I was the one that turned it off and said that they could not help me. When I asked them for information on the device that was used and the location they told me they could not give me this information. Because of this missed payment my credit score could be effected.
Product: Debt collection

Dear XXXX, I am writing to formally dispute the inclusion of a collections account on my consumer report, which I believe to be illegal under the Uniform Commercial Code ( UCC ). I request that you immediately remove this account from my consumer report and cease any further reporting of this account to credit reporting agencies that was displayed with the date of XX/XX/2023. 

I have reviewed the UCC codes applicable to collections accounts and have identified several violations that render the reporting of this account illegal. Specifically, the following XXXX codes apply : 1. UCC 9-609 : Right to Take Possession ; Proceeds ; Supporting Obligations ; Obligations of Secured Party .

According to UCC 9-609, a secured party may take possession of collateral after default by the debtor. However, in the case of the collections account in question, I have not provided any collateral or engaged in any transaction that would allow the creditor to possess any assets as security. Therefore, the inclusion of this account on my consumer report is in direct violation of UCC 9-609.

2. UCC 9-610 : Disposition of Collateral After Default ; Effect of Disposition ; Liability for Deficiency and Right to Surplus.

UCC 9-610 outlines the procedures that must be followed by a secured party in disposing of collateral after default. I have not received any notice of the disposition of collateral as required by this section. Therefore, the reporting of this collections account without proper adherence to UCC 9-610 is a violation of my rights under the UCC.

3. UCC 1-103 : Supplementary General Principles of Law Applicable.

UCC 1-103 provides that the UCC must be liberally construed and applied to promote its underlying purposes and policies. In the case of the collections account being reported, the inclusion of this account on my consumer report does not serve the underlying purposes and policies of the UCC, as it is based on an alleged debt that is unsubstantiated and disputed by me. Therefore, the reporting of this account violates the principles set forth in UCC 1-103.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to report a data breach involving my personal financial information, which was compromised due to security incidents at Equifax and TransUnion. 
Involving the following XXXX. " Unauthorized access to sensitive personal and financial information. '' XXXX. " Security incident resulting in the compromise of confidential data. '' XXXX. " Data security breach involving the disclosure of protected information. '' I appreciate your attention to detail in this matter
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.