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

I am writing a formal complaint against TransUnion for their deceptive practices and failure to remove inaccurate and unverifiable negative accounts from my credit report. The Bureau 's recent order against TransUnion, issued on XX/XX/2023, provides clear evidence of their violations of consumer rights and regulatory requirements. 

According to the Bureau 's findings, TransUnion has engaged in deceptive practices by failing to place or remove security freezes and locks on consumers ' credit reports in a timely manner. This failure has affected tens of thousands of consumers, including vulnerable individuals, for an extended period of time. 

As an affected consumer, I have personally experienced the detrimental effects of TransUnion 's deceptive practices. Despite bringing the inaccurate and unverifiable negative accounts to their attention and requesting their immediate removal, TransUnion has failed to take appropriate action. These negative accounts continue to hinder my ability to obtain credit and secure housing, causing significant financial and personal distress. Again, despite raising this issue, and pointing out clear violations. I have not received any notifications regarding the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the credit bureaus, and I have yet to receive a response I kindly request the Consumer Financial Protection Bureau to investigate my complaint thoroughly and hold TransUnion accountable for their deceptive practices and failure to rectify the harm caused to consumers. It is imperative that TransUnion promptly removes the inaccurate and unverifiable negative accounts from my credit report. 

I have attached a copy of my previous letter to TransUnion for your reference, outlining the violations committed by TransUnion and my request for removal. I kindly request your assistance in resolving this matter and seeking a fair resolution.
Product: Mortgage

Ocwen is continuing to update on my credit report for an account that was included in my bankruptcy. By law after a discharged bankruptcy they are not to update and damage credit.
Product: Credit reporting or other personal consumer reports

The following inquiries appeared on my credit report without my knowledge or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

on Thursday evening about XXXXXXXX XXXX a charge of {$1000.00} was made on my Mastercard by Suncoast Credit Union, a Florida Corporation. I never made such a request for this charge or gave authorization. I was notified shortly after by Mastercard about this charge and said it was not legitimate. They stopped payment and are in the process of issuing me a new card. 
This morning I contacted Suncoast but could not obtain any info due to my refusal to give them my SSN. I contacted the Attorney General Office in Florida this morning, they have no complaints about Suncoast and directed me to contact your agency.
Product: Money transfer, virtual currency, or money service

I recently received an e-mail notice informing me that my PayPal account was permanently limited and that I could no longer do business with their service. As per the e-mail, It informed me that I violated something outlined in their Terms of Service ( doesn't mention specifically what it was ) though at no point did I do anything to violate these terms. 

While reviewing my most recent activity on the account, the latest transaction on the account was payment I sent for an item ( shoes ) from an online seller ( $ XXXXUSD on XX/XX/XXXX ) and a payment I received from XXXX  ( a cashback browser extension ) for $ XXXXUSD on XX/XX/XXXX. Besides these two transactions, my account hasn't been used in over a full year. 

The reference ID for this e-mail was : Ref ID - XXXX
Product: Debt collection

Debt Collector : SCA XXXX - XXXX, XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX Creditor : XXXX XXXX XXXX XXXX # : XXXX {$200.00} Client # : XXXX Debt was incurred on or about XX/XX/XXXX, for one component of a XXXX diagnostic procedure. Out of all the individual parts of the procedure, we paid the XXXX and the hospital, but somehow did not pay - or did not know we had to pay - the XXXX XXXX. This debt went into collection with SCA collection for {$200.00}. 

During the time period of XXXX XXXX XXXX, we were XXXX overseas to XXXX as an XXXX XXXX XXXX XXXX on the XXXX XXXX XXXX Base. We were careful to maintain all US phone numbers, email addresses, and set up mail forwarding. 

SCA Collections attempted to contact us one single time around early XXXX, via mail ( to a mailing address that was last used in XX/XX/XXXX and for which the US Postal Service no longer forwarded mail. No further attempts were made to contact us, via phone, email, or to our new address - although not confirmed, it is the practice of the US Postal Service to return these unsent pieces of mail. I suspect SCA received the returned mail. 

Instead of making any further attempts to contact us, SCA reported this to the credit bureaus. 

This is a violation of 15 USC 1692 Ch 808 as making a debt report to the credit bureaus with no reasonable attempt to contact the debtor is a violation. This is especially egregious considering the report was made due to overseas XXXX.
Product: Mortgage

Had 2 Home Equity Loans through E-Loan, one XX/XX/XXXX ( Liber 3075 Page 904 ) and one XX/XX/XXXX ( Liber 3151 Page 336 and Liber 3428 Page 169 ). Both loans were paid off but only the XX/XX/XXXX loan that was transferred to MERS and XXXX XXXX shows a certificate of discharge and was recorded with the Register of Deeds. It appears that XX/XX/XXXX loan was transferred to XXXX, from the statements I have showing I paid it off with a check number XXXX. I contacted both XXXX and E-Loan, beginning in XX/XX/XXXX and in XX/XX/XXXX and XX/XX/XXXX to resolve the XX/XX/XXXX and XX/XX/XXXX loans still showing outstanding on my title so they could be recorded as paid off with the Register of Deeds. In XX/XX/XXXX, MERS and XXXX XXXX sent certificates of release for the loan dated XX/XX/XXXX to the Register of Deeds for recording. The XX/XX/XXXX loan continues to show on the title in Liber 3075 Page 904 even though it was paid off XX/XX/XXXX by me. When I send them copies of the payoff information, they still reference the XX/XX/XXXX loan that was released in XX/XX/XXXX. It's like they don't read the documents I have submitted showing the two different loan numbers under the different Liber and Page numbers. I have been trying to refinance my house since XX/XX/XXXX and have been unable to because of the XX/XX/XXXX loan still showing outstanding on my title when it was paid off. They both have received all of the attachments I will be forwarding with this complaint but I still have not been able to get a resolution to this. There were two different Home Equity Loans, one paid off through MERS and XXXX XXXX and one paid off by me.
Product: Debt collection

I am repeatedly being harassed by phone for debt collection I do not owe. I have been called numerous times for debt collection of different people I do not know nor have lived at this residence. Some examples ; XXXX XXXX, XXXX XXXX or XXXX, etc. I have asked on every occasion where I have been home to answer the calls that my number be removed. Each time I am " assured '' that the calls will stop. However, the next day the calls will start again. The calls will be for a new person that owes money. This company is listed as Credit Discount and Audit Company. The number listed is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX & XXXX, Trans Union advising them that these two accounts don't belong to me, they sent me a letter explaining that their investigation was completed. I then requested a copy of how they verified the information that I had disputed? they then advise me if I had any issue to please contact the creditor I contacted the creditor they themself have not been available to verify or furnish a signed agreement bearing my signature to prove to them that the account is not mine.
Product: Credit reporting or other personal consumer reports

please remove any fraud alert are security freeze from my profile please also remove your statement from my credit report ; Credit File Status Fraud Victim ( associated with trade )
Product: Checking or savings account

I made my fiance my power of attorney to received the full amount out of my account it's been almost 2 months since I got an answer on the power of attorney request. Once i.got the power of attorney request back it was denied. I called pnc to see why it was denied they never gave me a direct answer multiple times they said they were going to contact me and they never did
Product: Checking or savings account

I authorized XXXX  to save money for me and PNC is no longer allowing XXXX  to have access to my account! I've been using XXXX for years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX BANK # 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 a account without my written instructions
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX to XX/XX/2023 XXXX XXXX inn XXXX dollars was taken cash app instantly reject disputes Cash app Would like a full refund. Unauthorized charges bad deceptive business lack of investigation
Product: Debt collection

Jefferson Capital Systems , LLC has been told repeatedly not to contact me about an old XXXX XXXX XXXX debt that is not owed by me. It has been taken care of. They continue to harass me by phone and mail.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I live at XXXX XXXX XXXX, XXXX, AL XXXX. All other names addresses, and phone numbers listed below should be removed from my credit report ( s ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I disputed this account, as it is a CORPORATE account that EXCEEDS the statute of limitations. However, Vance & Hoffman refused to take it off my credit report when I dispiuted it with XXXX. I have attched a copy of the contract that is in the name of a dissolved corporation. The date that is signed on the contarct is from 2016 which exceeds the statute of limitations. Note that the contract states 13 payments and then 21 months, both exceed the time frame.It is past unreasonable to assume that collection of this account would start after the contract expired! I am following up with the state attorney office, as this should clearly be removed from my credit report. Thi s will be my 3rd attempt to demand Vance and Hoffman remove the item, as it is illgal for it to be there!
Product: Credit card or prepaid card

I made a final closing payment in may with Comenity bank on my XXXX XXXX XXXX and closed the account. I was told there was nothing else for me to do and that I was good to go. I was then called months later saying I owed interest fee even though I had fully paid the account and was told I had nothing left on it and even closed it. I didnt have access to the account. On top of the interest fee on a closed account, I was charged multiple late fees. I never received any form of statement via mail or email. I told them I wasnt paying something I had no idea I owed. The customer service representative then said okay bye and hung up on me. I spoke with another woman who told me shed pass it along. I then called again and was told dont worry, we wiped it clean youre good to go. I thought everything was ok until I was checking my credit today ( XX/XX/2022 ) and I saw there was still a fee listed. I called and sure enough i owe {$42.00} still. I hadn't even received a phone call since the original calls. I eventually spoke with a supervisor who told me she waived the fees and credited the account which then leaves my account with no payments left. Im still not sure this is fact, and I feel unsure that I wont eventually be getting phone calls on account thats been closed since XXXX. I already spoke with a supervisor and Im not sure who else to speak with. I paid the account off and closed it months ago, and was never told I owed money until months after the first late fee was due.
Product: Debt collection

To whom it may concern : I have an account on my file from a collection agency named Midland Funding LLC. The account number is XXXX. Please be advised that I am disputing this collection due to the fact that Midland Funding LLC XXXX. XXXX XXXX XXXX XXXXXXXX CA XXXX does not currently have a valid license in Illinois to collect on debts. This information is stated in the IDFPR website along with the Illinois Secretary of State website. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that Midland Funding LLC is licensed to collect debts in Illinois. Your immediate response will be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

Please help me address these concerns. I have been a victim of identity theft and had gone back and forth with the bureaus for the last couple of months. I sent my FTC and CFPB reports to the multiple times but they kept on saying that I should resend a new document. This is getting tiresome and really frustrating. Please remove the fraudulent accounts and reports on my credit profiles. 

Fraud account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Also, this is inaccurate. I was never late for this account. : XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX. 

They had set me up for an automatic payment and it got cancelled on their end. I called when I saw that they did not take my payment for that date and they told me not to worry because it will not show late payment at all, but here we are. 

For XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX. I was also never late for this payment. Not sure with XXXX and Equifax, but it's showing late in XXXX only. Please update the account status to Never Late. 

I attached my FTC and IDs below.
Product: Credit reporting or other personal consumer reports

This account does not belong to me and I would like for it to be removed from my XXXX, TransUnion XXXX XXXX Report. Please validate and verify this account belongs to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

- synchrony/XXXX XXXX charged off my account despite establishing payment arrangement and maintaining timely payments.

-synchrony/XXXX XXXX failed to report those payments directly debited from my bank account.

-synchrony/XXXX XXXX continuously withdrew monies from my account after charging off and selling my account to debt collector.

- They also pulled my credit for review in XX/XX/2018 after account was charged off.

-I filed dispute in XX/XX/XXXXwith XXXX  and XXXX in regards to matter. account was deemed verified and accurate.

-I attached proof of bank statement. 
- This has had a significant negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company any times by mail and have not received any help or respond. Their customer service would not help take care of the UNAUTHORIZED negative inquiries reporting My credit report. The inquiries are listed as follows : XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX  XXXX  XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

Made a purchase to an individual of a total amount around {$120.00} using the XXXX service which was provided by my bank Bank of America. I later realized that this transaction was a scam and can't receive a refund. If this transaction is made and provided by my bank, which is one of the biggest banks, how is it that I'm not protected by scams and not receiving a product that I had purchased? Thats why I'm reaching out to you guys, this just doesn't seem right.
Product: Credit card or prepaid card

this was case 2007 XXXX XXXX that was closed. It should not have been closed. 
The credit card company is NOT sending statements if the balance is XXXX. 
They have it set up that anyone who is set up for automatic payment and to have the bill paid in full will generate a XX/XX/XXXXbalance. then they go one step further and say if the balance is XXXX then no statement is generated. This is soooo wrong. There were charges made and paid for during the statement time period. The portal states you can access statements for the past 24 months. well you cant access them if they are not on the portal because you are signed up for auto pay. This is beyond absurd. Credit cared companies should HAVE to generate a statement if any activity took place. I totally understand that they would not have to generate one of there was no activity. but this is very different. I need the statements to tale care of info that I need to do my taxes. The portal shows dates and dollar figures of what was charged and paid but there is no detail of who it was paid to. When I figured out the auto pay date thing I stopped my auto pay. At least now I can get statements. I pay my credit card down andkeep a XXXX cent balance. It does not help me out with the missing statements. there are 7 missing statements. when I call them and they say there are no statements regardless if there was activity or not when the balance is XXXX. How can they be allowed to request a payment or take a payment as in the auto pay and not have a statement???
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion I filed a dispute about the XXXX XXXX XXXX entry. It's reporting that my balance is {$470.00}. It's not true my balance is {$270.00} which is being reporting by another credit reporting agency. I made payment to the original debtor of {$200.00}. Then that debt was sold to XXXX XXXX which is collecting for the {$270.00}. How can I owe a collection agency more money than the debt actually is. 
Transunion said they verified the debt an it's accurate. That is not true. The original debtor is XXXX XXXX. I only owe {$270.00}. 

So both XXXX XXXX and TransUnion are falsely reporting the debt. I have disputed thru XXXX XXXX to no avail.
Product: Credit reporting or other personal consumer reports

Hello I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Experian has responded stated information is correct or that they were not able to investigate it. This practice violates the Fair Credit Reporting Act which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also controvene the Consumer Financial Protection Act as highlighted in CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX  XXXX XXXX : {$29000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$29000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$29000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

REQUEST FOR DELETION OF CHARGED OFF ACCOUNT. 

DEAR XXXX I am writting to request the deletion of inaccurate information from my credit report., .the account in question is listed as XXXX XXXX XXXX. acc number ending in XXXX was charged off in error. 

under the fcra. section 611 ( a ), consumers have the right to dispute inaccurate information of their credit report .include the balance and charge off status, do not accurately reflect my credit history .I request an immidiate investigation and deletion of this erroneous account to ensure my credit report remains fair and accurate. 

please confirm the deletion of this account at your earliest convinience
Product: Credit reporting or other personal consumer reports

The inaccurate reporting by XXXX and the XXXX companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a clear violation of the Fair Credit Reporting Act ( FCRA ) and amounts to fraudulent activity. These companies have allowed inaccurate, unverifiable, and incomplete information to be reported, which negatively impacts my XXXX XXXX and violates the legal obligation to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). This failure to report accurate information creates not only a breach of consumer rights but also fraudulent misrepresentation, as the data reported is not reflective of the true and lawful financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX  Account # 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 a account without my written instructions