23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX # XXXX OPENED XX/XX/XXXX, BALANCE {$340.00} XXXX XXXX XXXX SERVICES # XXXX OPENED XXXX XXXX XXXX XXXX XXXX # XXXX OPENED XXXX XXXX XXXX I AM WRITING TO SUBMIT A COMPLAINT TOWARDS THESE CREDITORS AND TRANSUNION CREDIT REPORTING AGENCIES BECAUSE THESE ACCOUNTS APPEAR ON MY CREDIT REPORT BY MISTAKE OR BY FRAUD. THEY DO NOT BELONG TO ME. MY NAME IS XXXX XXXX. I DO NOT HAVE ANY SUFFIXES OR GENERATION CODES, HOWEVER CREDIT REPORTING AGENCIES REPORT THAT THERE IS A GENERATION CODE WHICH IS THE SECOND BY MY NAME. THIS IS NPT CORRECT. I SUBMITTED MULTIPLE DOCUMENTS TO TRANSUNION AND THE CREDTORS ABOUT THIS DESCRIPANCY BUT THERE IS NO RESOLUTION. WHAT CAN I ASSUME THAT EITHER IT IS FRAUD OR AS MY NAME IS REPORTED INCORRECT, THESE ACCOUNTS MIGHT BELONG TO SOMEONE ELSE WITH THE SAME NAME. I HAVE SENT FTC REPORT AND ALL OTHER SUPPORTING DOCUMENTS BUT THE ONLY CREDIT BUREAU WHICH IS REPORTING THESE ACCOUNTS AND THAT IS TRANSUNION IS NOT WILLING TO MAKE ANY CHANGES. PLEASE ASSIST ME TO REMOVE THE MENTIONED ACCOUNTS FROM TRANSUNION CREDIT BUREAU AND OTHER AGENCIES IF THEY ALREADY REPORT PERMANENTLY. BECAUSE OF THESE ACCOUNTS MY CREDIT SCORE AND HISTORY ARE SERIOUSLY DEMAGED. ANY QUICK ASSISTANCE AND RESPONSE WILL BE HIGHLY APPRECIATED. THANK YOU IN ADVANCE!
Product: Debt collection

This company has been calling me every day for over a week. They call multiple times every day. They are now calling my friends and family members. 
I have asked them to stop calling me, yet they are still calling me daily. 
They should not be calling my family and friends. 
This is from the XXXX or XXXX purchase of a pet. I paid the purchase price, and then the original company tried to create a " lease '' for the dog. 
I have had this previously removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the " FCRA '' ( XXXX XXXX XXXX  ) ( account # XXXX ) has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 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

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, On all three of credit report, my student loan holder, XXXX XXXX XXXX has put my account as either late or delinquent ( the loan is for the amount of in excess of {$75000.00} now, and keeps growing ) for many years now and it has depressed my credit score that I ca n't qualify for an acceptable rate on an auto loan or anything else for that matter of importance, where I desperately need an access to borrowable capital to purchase big-ticket necessities. 

I 've received a letter from XXXX XXXX XXXX that they are recently conducting an audit of their loan portfolio and i know that they 've recently settled with your agencies. 

They 've been harassing me over this loan for more than ten years now and they have made it so that my credit score is so low that I 've had trouble raising my score above 600 for almost ten years, which has kept me not even eligible for ridiculous subprime rates..
Please help me and get this removed from my credit reporting please so that I may get on with my life and be able to finance a car or a home. Thank you.
Product: Debt collection

on XX/XX/XXXX the USI solution called me and the man told me I had an outstanding debt. My secretary answred phone and was told to contact me she said i was in meeting and he told her very rude remarks. how she is the worst secretary and how unprofessional and it really offended her. there were prior calls to this and he told me that i owed a debt i told him to show me and he says it was year ago and he dont have all the detail and i told him then why is it not on my credit bureau  and he said well i dont know but you owe it and he says i can tell you what bank account it was linked too and i said ok tell me and he comes back on the phone and says oh i cant find it but if you send so much money we will close the account and you owe nothing. i told him i need more inforamtion and send me an email of my account and company and balnce and he said ok and never send nothing and was very rude and saying you owe this. I feel this was fraud and not true. they have been calling like everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did-not Authorize / Authorization the use of credit and/or view credit report, IDENTITY THEFT VICTIM - XXXX DATA BREACH!!!!!!!!!!!!!!! 

@ @ @ @ @ @ @ @ XXXX @ @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX Inquiry from XX/XX/2018 Utilities & Fuel XXXX Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank @ @ @ @ @ @ @ @ @ @ @ @ XXXX @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove XXXX XXXX Bankruptcy Reference # XXXX XXXX : {$0.00} that is 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 any account or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # XXXX & I am including it again.
Product: Mortgage

I have made multiple daily attempts over the course of 5 days to obtain a loan assumption packet from Freedom Mortgage. I have spoken to a different rep each time and been given a different answer as to how I obtain this. First it was a simple sheet I fill out and email to customer service. This did n't work. That was XXXX failed attempts with them stating I did n't give proper info. When in fact they were emailed my phone, email, property address, name and loan number. She said " well maybe it was n't legible ''. I assured each person that it was legible because it was a typed document. Then different rep tells me it is a form that can be emailed or faxed. Did n't work either. Then I ask to speak to supervisor and she tells me they have to send it certified mail. I wait. Nothing. Call back lands a different rep. She puts me on hold and I get hung up on. Call back. Yet another rep today states that it can in fact be emailed or faxed to me and is set to get to me by XXXX XXXX or c.o.b. Monday. I feel like this is a stall tactic for some reason with this company and they would rather have me foreclose and take my home. All I want is the packet so the new borrower can assume loan. Please help!!!
Product: Credit card or prepaid card

On XX/XX/2021 i spoke with us bank focus card inquiring about a large withdrawal to purchase a new car. I went to a visa member bank as instructed by card holder services. 1st attempt was declined for a cash advance of XXXX . I attempted again at 4different banks That day and each time it was declined. I called cardholder services and Spoke with them approximately 4/5 times. And even spoke to 2 people managers. Both were not helpful with assisting me to withdraw XXXX $ of my money for an important purchase. I was told that the transaction needed to be approved to obtain my own money and would take 7 days for approval then sent out via us postal service with a wait time of 7-10 business days., also another option to do a Teller cash withdrawal/ cash advance of {$5000.00} a day. I instructed to close My account and get me a check sent via XXXX XXXX to track this item. They do not electronic transfers to outside accounts of us bank. This a scam, not a bank. I want my money
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Consumer reporting agencies I'm requesting a method of verification for the identity theft report I filed on XX/XX/2024 its been over 4 days and nothing has been resolved. According to Section 611 ( a ) ( 6 ), I understand that you are required to share how this information was verified by detail.
Product: Vehicle loan or lease

Over the past month I've been trying to have fraudulent property tax payments removed from the final balance of my lease pay off. When I leased the car I lived in XXXX XXXX, a year later when I moved I updated the vehicle registration information with both the Dept of motor vehicle and Hyundai Finance.  Over the past few years I've been paying taxes on the lease in the county I moved to- XXXX XXXX and that's the Cty Hyuandai finance has been charging me. However, for some reason the month before my lease ended, they added taxes from XXXX XXXX Cty-XXXX to my account and stated I owe these fees. Keep in mind I've been paying the property taxes with Hyundai for XXXX Cty over the past years, which proves they have my updated property tax information. I've contacted Hyundai finance several times and each time they state they haven't received any verifying information from me and the Hyundai finance tax department hasn't uploaded the verifying faxed documents I submitted to clear this up. Hyundai states they have no other means for me to send this information and still claim they aren't receiving my faxex although I have receipts. I'm reporting this because I've tried and failed to resolve this with them. Hoping you all can speed up the process. Please let me know if you need further information from me/documents for verification. Thanks.
Product: Mortgage

I applied for XXXX XXXX  in order to achieve full reinstatement of my loan. XXXX sent SPS ( the servicer ) a request for a reinstatement quote in order to provide a XXXX of up to {$50000.00}. However, SPS refused to provide this reinstatement quote, stating that it can not do so because my loan is in charged off status. SPS has thereby made it impossible for me to obtain this XXXX that would bring me current on my mortgage. I want to get current on the mortgage and resume making my regular monthly payments. But XXXX refusal to engage means I am instead forced to give up a XXXX  XXXX of up to {$50000.00} and watch interest accrue without being able to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. 
XXXX XXXXXXXX Balance : {$35.00} XXXX  XXXX Balance : {$35.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$6100.00}
Product: Debt collection

Some time ago I issued a cease and desist to XXXX Bank, by law I can. That request was not honored and shortly after I issued complaint no. XXXX, I received a very alarming threating phone call followed by an email from a XXXX Bank representative that refused to identify themselves. Please see attachments. XXXX Bank is in violation of 15 USC 1692 ( d ) - HA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.arassment or abuse.
Product: Mortgage

Navy Federal Mortgage department charged XXXX XXXX per name on application on a conventional home loan up front instead of in closing cost! XX/XX/year>
Product: Debt collection

i was XXXX i am low income filled out charity pay to pay for it never recieved a bill and meade and associates have violated the law i believe they are listing XXXX info on my credit report i believe this is illegal also trying to collect a debt i dont owe
Product: Debt collection

I sent a debt validation letter to XXXX XXXX XXXX XXXX to validate the debt they say that I owe on four accounts. I sent the letter certified on XXXX XXXX.2017. I gave them 30 days to respond to my request.They have failed to validate the debt. I have a copy of the letter that was sent to them that was received by someone in their office.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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 XXXX days before the payment due date.

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

I have requested proof that this information was mailed or delivered XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion CreditBureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a paypal account in XXXX of 2020. I opened this account to have my beneficiary funds deposited into it from the state of Arizona. The deposit of {$8800.00} occurred on XX/XX/2020 from the state of Arizona for unemployment benefits and very shortly after that PayPal decided to put a limitation and a hold on my account where I could not access my money or do any kind of transactions at all. Apparently their stipulations and policy is ordering the customer to wait 180 days for any kind of problems to arise to prevent fraud or mistakes or anything of that nature. So I waited the 180 days and on XX/XX/2020 my XXXX XXXX days was up. On XX/XX/XXXX of 2020 I received an email from PayPal and it was encrypted and signed by PayPal telling me that my funds were eligible for withdrawal and that certain account activities were unlocked and able to use so I then went to my Paypal account logged in and tried to transfer the funds to my bank account to come to find out another error message telling me that my account is limited reference code : XXXX. I will provide that screenshot later on and many others. So I called PayPal customer service that day on XX/XX/2020 just to get a run around of the same old spiel and they told me to wait on an email and for their system to update and then try again I went through this process more than 30 times since XX/XX/2020 to present day I have screenshots of call logs I have dates of call logs many many of them I pretty much contact them either daily or every three days and get the same response from different representatives every single time. The customer service representatives are very rude and very inconsiderate and don't provide any information or any evidence or anything that helps me get to a resolution with this problem it seems like they just want to keep my money in their account to gain interest. I have had it with them I've tried to be respectful I've tried to be kind I've tried to be patient and nothing is getting resolved my account says the funds are available but I can't access them and I keep being told that they're back office is working on it but I can't get a back office number I can't get a number for any department they won't give it to me they tell me no. I am prepared to file a lawsuit in small claims court against them if this does not work please help. I don't know what to do anymore I need that money that money is for a pandemic benefit to assist citizens and they are holding it hostage for me.
Product: Credit reporting or other personal consumer reports

i sent certified letters to experian, XXXX, and XXXX, stating that they are specifically in violation of federal law 15 USC 1681b ( 2 ) and 15 USC 1681c-2 ( a. they have not responded in the appropriate time and this matter is affecting my daily being
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 : XXXX 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} Charge-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNDER CONSUMER USA 08/10/2022 NCCINC/CARDINALE MAZDA 08/10/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

If the open date, last active date, and last reported date are all wrong, how can the credit bureau claim that the account name and account number were thoroughly investigated? This is grounds for expulsion. Additionally, they infringed against my rights under Section 2 of 15 U.S.C. 1681, Section 604 A : A consumer reporting agency is expressly prohibited by law from providing an account without my written consent.

I have not granted formal consent for these accounts to appear on my credit report.
Product: Bank account or service

About two years ago I visit my local US Bank branch in XXXX CA to open an account, while I explained to the banker thatI am here in US few month out of the year, and I only want to open an account that does n't charge me any fee, the banker has assured me that there will be no charges, I was out of the country for a year and had no access to check my bank or statements, they have started charging me dormant fee {$5.00} due to inactivity of the account. Now that I have visited my local branch they have charged {$57.00} fee and they are not returning this money claiming that this money goes to the goverment. I am a senior citizen and on a fixed income. This transaction was illegal and not authorized and they claim that this is a government fee, and not a bank fee, but they fail to provide an address of the government agency that this money went to. I like US. Bank to refund my money. 
This is taking advances of seniors on fixed income.
Product: Debt collection

Over the past several months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been requesting evidence that bears my signature that shows that I have a contractual obligation to pay SYNCB/Walmart. I have not received anything that I requested and it is still listed on my credit report from the XXXX Credit Reporting Agencies.