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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan XX/XX/year> under the account number XXXX XXXX XXXXXXXX credit card These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted XXXX  as well as transunion about a collection company. ( XXXX XXXX XXXX ). In XX/XX/XXXX I filed for bankruptcy. In XX/XX/XXXX I received a discharge. XXXX is a debt that was successfully discharged. However XXXX changed the effective date of debt to reflect as if the debt accumulated post bankruptcy. The collection account appeared on my credit 8 months after bankruptcy dates XX/XX/XXXX. I have submitted at least two investigations with transunion and was told to forward a copy of the discharge to insure that the original debt was discharged. I have submitted those documents and still it's on my report. I've submitted the same paper work to XXXX on three different occasions both mail and fax and each time they've claimed to not receive them. Please help.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : 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.This hard inquiries dont belongs to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I paid for wire transfer of {$50.00} ( XX/XX/XXXX ). After I paid, the agent told me the money was on hold until I placed a call to answer some question. When I called I was told there was an hour hold time. I was then transferred to another department for a refund code. I was given a code. When I went back to the store and presented the code, I was told it did not work. ( XX/XX/XXXX ). The agent at the store called and was told that the refund was sent to the country I was sending the money to. I came home and spoke to a supervisor named XXXX ( XX/XX/XXXX ) I was told that I would be called in 24 hours  with a new refund call. I havent received a call. I call again ( XX/XX/XXXX ) and spoke to another supervisor who now says a refund code has not been generated and I should wait 48 hours for a call to be given a refund code. My big mistake is that I paid cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I have filed a dispute letter to all 3 credit buruaus XXXX, Experian, XXXX to validate alleged debts on my consumer file. they Have failed to show me evidence bearing my original signature in a timely manner. They have failed to comply with their own policies a timely manner
Product: Mortgage

Hello, I have reached out to SunTrust Mortgage numerous times without success. I have called them numerous time to drop the PMI off our loan but they never do. Our home loan is well under the 25 % for PMI and they refuse to remove it from our loan. Every time I contact the bank they advise us that that have no record of our call or they are still looking into the matter and to call back in a week or so. Unfortunately this has gone on way to long and if you could help us it would be greatly appreciated.
Product: Credit card or prepaid card

XX/XX/XXXX all the way till XXXX I had discovered my card end up having unauthorized transaction and the company sent me a email saying my card was locked and that there were fraudulent activity my card was stolen. I got a hold of them as soon as I found out my card was gone. They still havent sent me anything showing they are working on my disputes its been almost a month and half that someone stole all of my money out of my account and it seems like the company doesnt care and or resolving the issue.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

An acct was added for collection i have no clue about on XX/XX/2025 to credit Bureau
Product: Checking or savings account

My primary bank for the past 17 years has been Chase. 
I have never had any issues in managing my credit, i.e. I have never had any delayed payments, any checks that have bounced, I have had an impeccable financial credit history. 
On XX/XX/2021, my Company informed me that Chase has refused to accept a direct deposit into my account. I was surprise since there was NO notification from Chase on their intention to close my checking account after 17 years. 
After a long back and forth with Chase, I understand they have the right to close my account without offering any reason. BUT they have to inform me, I asked them for a copy of any communication they claim to have sent to me- they couldn't reproduce it. 

I have moved on from this, but I read remarks XXXX XXXX made regarding lack of transparency at large financial institutions on how they use algorithm to make decisions. There are inherent biases built into these algorithms no matter what the companies might claim. I am not expecting any action or result, but I hope you institution will look at financial institutions like Chase and how they are treating their customers.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against the three major credit bureaus Equifax, XXXX, and XXXX for violations of consumer protection laws regarding the reporting of collections accounts on my credit reports. 

I have encountered multiple instances where collection agencies have placed accounts on my consumer report without providing validation information, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my requests for validation, the collection agencies have failed to provide this information, yet the collections have been reported on my credit reports, negatively impacting my creditworthiness.

Furthermore, I have not been given a fair opportunity to dispute these accounts, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The credit bureaus have failed to provide me with the necessary information and procedures to dispute the inaccuracies on my credit reports, depriving me of my rights under federal consumer protection laws. 

Additionally, the collection agencies have engaged in deceptive practices by using false, misleading, and misrepresented information to report these accounts on my credit reports. This behavior violates my consumer rights and undermines the integrity of the credit reporting system.

It is evident that the collection agencies have furnished accounts to the credit bureaus without providing the required disclosures, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This clear violation of federal law has resulted in inaccurate and damaging information being reported on my credit reports, with no opportunity for recourse or correction. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action to ensure that the credit bureaus comply with federal consumer protection laws. I also request that the inaccuracies and violations on my credit reports be promptly addressed and corrected in accordance with the law. I expect a response within 15 days of this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have submitted proof to TransUnion on more than one occasion that XXXX was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX ( Sub # 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, * XXXX, EXPERIAN AND XXXX have violated my consumer rights.

15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I have never given prior consent or have any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, for I have never once consented to any such terms of agreement. Please provide the signed contract validating each and every one of the unauthorized inquiries.

If no documentation bearing my wet signature can be presented with your response as verifiable proof, Than i insist you remove all unauthorized inquiries. Thank you!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres from both of my cash app
Product: Credit card

This issue has happened to me multiple times in which I was charged interest on a XXXX credit card account that had a remaining balance of XXXX dollars. I find out about the interest months after because I receive letter stating that they ( XXXX ) are trying to charge me interest on the interest that originally charged me for when I had a remaining balance of XXXX dollars. And when I called to tell them about it, sometimes they tell me that its my fault because it was interest on the pervious month. I try to explain to them that how is that possible if I did n't have a balance to even get charged interest. I even went as far as explaining to them about how interest is calculated and even gave them an example explaining that no matter the interest that I had XXXX times any interest is still XXXX. Recently I had to call again to the XXXX Credit Card service because the same issue happened in which I was being charged interest again for having a remaining balance of zero. I asked they and they said because I paid my balance off in two separate transactions, one was paid a little under 3 weeks before and the other a week before my payment was due, that 's why I was being charged. I told them how is possible if the balance was still zero a week prior to the end of the billing cycle. The solution that they gave me was to pay in a single transaction. To me that 's not a solution because it should n't matter how many times a payment is made if the balance is XXXX then no interest should have been carded.
Product: Debt collection

PMAB KEEPS SENDING LETTERS ABOUT A BILL THAT IVE ALREADY SPOKEN TO SOMEONE ABOUT AND IM FEED UP MY HEALTH IS AND ISNT HEALTHY ENOUGH FOR ALL THIS AGGRAVATION AND I ASKED THEM TO STOP
Product: Debt collection

Ive called the company on many occasions since XX/XX/2023, to request original documentation, amount claimed to be owed, and settlement information! Last call was today XXXX. Each time I call, Im given an email to request this information XXXX, but this person never responds back! Ive spoken to this person once, when I was transferred to him two weeks ago, and he was very rude, wouldnt let me speak, and told he wasnt sending me anything, and that he didnt have to discuss anything with me, then he hung up! Now, theres an excuse everytime I call, such as hes in a meeting or Im transferred to his voicemail, with no return call! How do I verify the debt amount is correct, or pay if these are actions of this agency!
Product: Debt collection

I have disputed this account several times over the last year through XXXX XXXX, as well as XXXX. I have not done business with XXXX XXXX XXXX. I even said so during my disputes. Neither the collection agency nor the business have provided proof of validity. Failure to provide such information within 30 days results in dismissal of the debt. That being said, it has been over 365 days yet the companies have not sent a Debt Validation.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual concerning the individual about when the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Checking or savings account

Well my accaunt was shut down by chime becuz i forgot my password after contacting them they asked me to provide them with certain items such as two valid identification so i did after they verify and saw it was me they asked me for a phone bill so i could put my new phone # in i also did that and they keep giving me the runaraund abaut the bill saying to provide them with that document wen i did im going on three weeks without my money and its not right if they already verified its me wuts the problem i think that they are the real scammers talking abaut fraudulent activity the only fraudulent activity is wut they are doing chime is no good
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my 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 XXXX AND XXXX 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 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: Credit reporting or other personal consumer reports

Incorrect information, fraudulent, unauthorized information. I did not open these accounts and would like to dispute them and have them removed from my credit. Thank you for your help in this matter!
Product: Debt collection

I previously had a vehicle with this company. The vehicle was paid for by insurance however this company after a few months reported that I stilI owe {$140.00}. I recently sent them a letter asking for proof of balance. They sent me an unclear printout of transaction corrections that they made on their end with no detailed information. I am requesting proof the of the insurance check and warranty cancellation information. If this information can not be furnished. I am asking this account be deleted from my report.
Product: Credit reporting or other personal consumer reports

Notice Without recourse / without prejudice UCC 1-308 Notice to Respondeat Inferior is Notice to Respondeat Superior Notice to Respondeat Superior is Notice to Respondeat Inferior Silence is Acquiescence, Agreement, and Dishonor ; Estoppel conditions apply upon default A. Do to non-disclosure and breach of fiduciary duties.

As follow : 1. Im not been notified of a credit check.

2. Improper presentation to consumer credit, Inquiries, Debt to ratio, Short credit length. 

These things are hurting XXXX. Correct any Damage to me and my credit and or credit report to reach XXXX Score. 

Example : Opt-out. Dont show, Inquiries, Debt to ratio, Short credit length. 



B. For the resulting breach of trust.

Breach of personal Information hack/leek. How will I be compensated.

C. If the request is rebutted, show the law where it says you cant do that.

15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

[ consumer/beneficiary : jorge f avila celedon ] 2815 Schoolhouse Lane APT 9 Cambria, CA 93428 I believe i dont have account with this person. in case i happen to have a account i request to have it closed/remove immediately. as i have no recollection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect information about me. The alleged collection account for XXXX XXXX XXXX is listed as being open and with a past due balance of {$130.00}. This is a violation of FCRA and is in violation of requisite of METRO2 compliant reporting standards.
Product: Credit card or prepaid card

Home Depot credit card advertises 6, 12 and 24 months deferred 0 % interest on balance if paid within the alloted time. I have a Home Depot revolving credit card for which there was a minimum payment due of {$47.00} on XX/XX/XXXX. I mailed a payment of {$600.00}. They applied the excess payment over the minimum to a 0 % deferred balance that expires on XXXX in the amount of {$540.00}. I called to have the excess balance applied to the revolving balance and save interests with a plan to payoff the deferred interest balance by the next monthly cycle. ( I have been able to reallocate posted payments in the past. ) This saves the consumer interest and still allows me to pay the {$540.00} due on XXXX without incurring interests. The supervisor that I spoke with ( XXXX did not provide a last name ) quoted me the 2009 Federal Card Act as a reason why they no longer can reallocate payments towards the revolving balances and the " excess '' payment needs to be allocated to pay down any deferred balances due within 60 days.

Conclusion : The consumer should be given discretion or the right to save additional interest charges on their Home Depot credit card account by paying off the interest bearing portion of their balance prior to expiring deferred balances. Home Depot advertised 6 months deferred interest but their card administrator is forcing a reduction of one month from the premature allocation of payments. The consumer should be given an option.