23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was charged {$150.00} for XXXX on XX/XX/23. It cleared the next day and I was charged again! I have not received the first charge back to my avail balance that still shows as pending. Same thing with a {$9.00} XXXX bill on the XXXX and XXXX. This happened months ago as well with multiple XXXX charges and when I called Truist they said it was a known problem and are working to fix it. Now it's happening again 3 months later and before I had to wait for over a week to get my {$500.00} back available on my balance. Now I am waiting for at least {$160.00} that I am aware of that was wrongfully taken from me. This is not a vendor problem, this is a problem with TRUIST BANK. Truist has made internal complaints on my behalf to no avail. The reps I've spoken with all say they are hearing this from other customers but haven't received any info on how to fix the problem or when things will be resolved. Someone Please help.

In addition to all this they have also had pending charges listed for over 2 weeks. So not only are they double charging for these transactions, it is taken weeks to get corrected to receive your money back to the avail balance. This is absolutely insane that this is still going on. It wouldn't be a huge problem if they weren't deducting double the amount from my available balance!!!
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, PA XXXX there should be no other information on my consumer report. 

I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX must disclose there connection to squatter from XXXX here on an visa faking his name as XXXX XXXX and now the name, policy number and vital details blackout. You must process the claim as corrupt attorney XXXX XXXX were fully aware that I am owner on XX/XX/year> by XXXX  response under XXXX and reported fraud by XXXX XXXX XXXX XXXX and XXXX by chase me XXXX XXXXXXXX XXXX XXXXXXXX XXXX With XXXX fake XXXX degrees XXXX. To be a doctor at clinic XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. Computer professor at XXXX XXXX now fired case XXXX. Any details you can find on the CFPB FEEDBACK PAGE. XXXX informed by XXXX XXXX XXXX that they confirmed myself as title owner XXXX and XXXX and after he cash XXXX escrow account checks in my name I reported it to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Credit card

I have a Bank of America Visa card. I had a balance of approximately {$18000.00} at 16 % interest I used the remaining available credit for a balance transfer offer ( 18 months zero interest 4 % transaction fee ) Now the bank is telling me that my minimum monthly payment goes first to pay down the principal of the lowest interest. In fact my payment does not even go first to pay the interest I 'm being charged on the high interest balance, that interest is being added to my principal each month. This is a deceptive practice. Please help. Payments should be applied first to interest being charged on an account, then to the balance subject to the highest interest rate.
Product: Debt collection

Portfolio recovery associates have sued and threatened me via phone numerous times over small credit card debt ( sued over 5+ times over a {$3000.00} credit card debt ) have had many harassing attempts to serve me by knocking at my door at all times of day and making threatening remarks through the door. This is most horrific experience I went through. The credit card debt they purchased was due to medical issues I had back in XXXX they have no empathy and are relentless. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any extra names and addresses on my report. They do not belong to me. I only want one address reporting on my credit report. I provided both proof of ID and address in the documents upload below.
Product: Money transfer, virtual currency, or money service

The PayPal account can not be withdrawn. I contacted PayPal customer service many times, and uploaded my identification information. The system still does not allow me to withdraw cash. There are often problems with the PayPal system. please help me.
Product: Checking or savings account

On XX/XX/2023 I had a scheduled payment to Truist Bank from XXXX XXXX XXXX for {$900.00} for the XXXX mortgage payment that is serviced by Truist. 

On XX/XX/2023 XXXX XXXX called me asking for the payment. After staying on the phone the agent noted that Truist could not 'find a home ' for the payment and 'sent the money back ' to XXXX. XXXX  shows no record of the money being returned to them. I made an ADDITIONAL payment directly online with Truist for the required payment. 

On XX/XX/2023 I called Truist to see what the status was and the agent XXXX ( XXXX and XXXX ) gave me a different story saying that the money was no longer at Truist. I pulled in XXXX XXXX XXXX on the phone and they show no return of the payment. ( XXXX ) Ever since Truist took over the servicing from XXXX XXXX, problems have persisted. They call and show no concern for issues on their end. They always give a different story and don't care about solving it on their end. Only requiring me to make more payments, when I am trying to get the money I have already sent them accounted for.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit bureaus maintain accurate and up-to-date information and allows consumers to dispute any inaccuracies. 

Upon reviewing my credit report, I noticed multiple inquiries that I did not authorize or recognize. These unauthorized inquiries negatively impact my credit score and financial well-being. According to Section 1681b of the FCRA, credit inquiries must have permissible purpose and consumer consent.

I request that you conduct a thorough investigation into these inquiries and provide evidence of permissible purpose and consumer consent for each. If you are unable to provide such evidence, I request that these inquiries be promptly removed from my credit report.

Furthermore, I remind you of your obligation under Section 1681i of the FCRA to conduct a reasonable investigation within 30 days of receiving a dispute. Failure to comply with this requirement may result in legal action.

Enclosed with this letter are copies of my credit report highlighting the disputed inquiries, as well as any supporting documentation I have regarding their unauthorized nature.

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. I can be reached at the contact information provided above if you require any further clarification or documentation. 

Thank you for your attention to this matter. 

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

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled Bankruptcy in XX/XX/XXXX and it was finalized in XX/XX/XXXX. I am asking for all three reporting agencies to remove the remarks from public records. I realize that they have the right to report up to 10 years, however given my payment history since then i am requesting an early dismissal of that reporting. At this point its simply defamation of my history because in fact i have a stellar history for the last 9 years. Please let me know what can be done about this. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXXXXXX XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the BK filing. It would be impossible to have a late payment reported the month following my bankruptcy as this violates the stay. 

This is being reported on my my XXXX XXXX XXXX 's account as well as my XXXX XXXX XXXX Account
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, My servicer XXXX, XXXX XXXX XXXX, sent me mailing about my deferment ending. I called in and spoke with a representative in XXXX applying for a new deferment which was supposed to cover me until XX/XX/2019. 
I received negative remarks on my credit, which showed my payment as past due. 
I called into XXXX and they said they have no record of the deferment and they weren't any notes on my account. I found the paper where I documented the name of who I spoke with, the date and time, etc. The new representative explained she was unable to locate any information and would assist me with processing my documents at that time. 
I was given a three month deferment on the phone with the agent, and informed for sixth month deferment they would mail me a form which I would need to complete and mail in. I asked for a forensic review of my case, with all associated calls to be pulled to determine why the original deferment approval wasn't recorded and to update my credit report with the appropriate information. I shouldn't have negative remarks on my credit for XXXX, XXXX, and XXXX. This needs to be corrected immediately.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been reporting about some accounts appear to be old and inactive longer than 7 years on my credit file. This goes against the Fair Credit Reporting Act. The dates are wrong & may be manipulated in order to keep on my file longer which is illegal. 
I am disputing the following credit entries by : XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX ( incorrect data and many years old ), XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX ( many duplicate accounts ), XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was paid in full and XXXX  XXXX XXXX   was an account agreed to be removed many years ago and now its back on my credit file under a different name. 

Please remove any information including inquiries regarding the inaccuracy mentioned above. Please review all of my supporting documents including letters to XXXX XXXX XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX XXXX with a new starting year. I do not owe this debt. XXXX XXXX XXXX has removed this info at one time. I previous settlement was made in a payment out of frustration. The creditor at the time agreed the balance was settled but the remaining balance was transferred to XXXX XXXX and now transferred again to XXXX XXXX XXXX or XXXX. It was also transferred over to XXXX & XXXX, XXXX, and XXXX XXXX at one point many years ago. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT ED : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 card or prepaid card

The XXXX XXXX card has a {$100.00} global entry credit. I got the card, and used the benefit. Chase did not reimburse the {$100.00}. I called to inquire and they sent me a letter saying since it wasn't automatically applied to my statement that it's not eligible. This is not true. I have followed the rules and do not deserve to be punished because of the company 's arbitrary software rules. I will take this to court if I have to. This is fraud.
Product: Vehicle loan or lease

I had this car loan in 2014. The vehicle was paid off due to being given back and the debt being paid off after the vehicle was auctioned off. I called the company numerous times with no resolution and its affecting my credit.
Product: Credit reporting or other personal consumer reports

I have filed a formal complaint to the CFPB. Complaint Number XXXX I wrote a letter to request that XXXX XXXX XXXX cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as per my rights under 15 U.S.C 6802.

According to the provisions outlined in the Gramm-Leach-Bliley Act ( GLBA ), I have the right to opt-out of having my nonpublic personal information disclosed to non-affiliated third parties and consumer reporting agencies. 
I hereby exercise my right to opt-out of any such sharing of my nonpublic personal information. Please ensure that my information is not disclosed to any non-affiliated third parties or consumer reporting agencies from the date of receipt of this letter and going forward. 
Furthermore, I request that you confirm in writing within thirty ( 30 ) days of receiving this letter that my opt-out request has been processed and that my nonpublic personal information will no longer be shared as described above. 
Please acknowledge receipt of this letter and provide confirmation of compliance with my opt-out request at your earliest convenience. You may send the confirmation to the address provided above. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unimaginably disturbed! My hidden response to the mistaken thing on my recognize report sent as communicated in a past message on XXXX. Today is XXXX. Regularly by law, you ought to respond inside 30 days. During these irksome events, every one of you have been given an extension which I grasp. Regardless, it has been far in excess of the expansion time span given. I have urged you on numerous different occasions. I'm starting to acknowledge this is a lull technique on all of you 's end. I demand your association kill this XXXX XXXX from my credit report or face case. In case you don't kill this off-base information speedily I will record a formal complete with the FEDERAL TRADE COMMISSION! I'm remaining mindful of my records overall and kinds of correspondence with you on this matter just in case of archiving a protesting with the FTC in the event that you continue to decide not to arrange. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered responsible for your decision not to not assent. My family and I are being constrained to pay higher credit charges and denied by numerous associations when endeavoring to purchase significant necessities to get by during this problematic money related period. In the event that your next response to me is everything except an extraordinary application with my imprint on it or a letter communicating that the tricky information that is ignoring the Fair Credit Reporting Act isn't deleted I will continue with my FTC complaint. As exhibited by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are needed by government law to certify, through the genuine check of the chief stepped buyer contract, all records that you post on a credit report. Else anybody paying for your identifying associations could fax, mail, or email in a fake record. I interest to see obvious evidence ( i.e. : a unique purchaser contract with my engraving on it ) that you have on the file for the record recorded under. 

Your frailty to distinctly check these records has harmed my capacity to secure credit. Under the FCRA, mistaken and unusual information ought to be deleted from a client 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was exposed in a mass data breach and then my car was broken into and someone stole my id and ss card and used it to open up accounts in my name. I submitted a police report and sent it in several times. I have taken all the appropriate steps now this a an office notice OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit reporting or other personal consumer reports

I send my dispute letter last XX/XX/XXXX but until now I never recieved any response from the 3 credit bureaus. I requesting to delete or remove all this njegative accounts this is all fraudulent accounts I file Identity theft regarading this issue. I so XXXX  and I don't know how to fix it. Here 's the list please delete it now Account Name : 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
Product: Checking or savings account

I will use a paypal account in 2020 and make some legal collections. Then my account was frozen by Paypal for uninformed reasons and banned for 180 days. PayPal reminds me that I can submit my amount after 180 days. Then, on the expiry date, Paypal suddenly stole more than 3000 USD in the account with the act of a robber. And claimed to violate the user agreement. This is an excuse for paypal to cover up its robbery behavior. And now paypal unilaterally forbids the login of my account. PayPal tried to destroy the evidence. please help me. I can't imagine that in the 21st century, there should be such a rogue enterprise. Take my money.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 Hard Inquires was pulled from my Credit Report from XXXX XXXX, XXXX XXXX XXXX without my consent. I sent letters 2 months ago to the consumers asking for verification & have not got any response.
Product: Mortgage

- Frequently late monthly billing statements ... ... receiving two days before due date.

- Longer then usually payment processing times. 
- Have gotten late charges in the past because of this issue. 
- Frequently being locked out of on line account and never being able to access my information without technical errors... next to impossible to reach any customer service and if you are successful you've waited an exhausting hour or more. 
- On line tech support is no help in solving the technical issues. 
- No bolded or clear and decisive correct department mailing address and phone numbers disclosures, very confusing. 
- Having to encure addition expenses and credit negativities to make up for the long processing times.
Product: Credit reporting or other personal consumer reports

I went to Bank of America to cash a check they sent me and they wouldnt cash it.! they wouldnt except my ID the lady XXXX. XXXX wouldnt let no one serve me and wouldnt let the rep sign me up for an account she was very tough and I didnt understand cause her bank was the one who sent me the check