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

I made a balance transfer from XXXX XXXX to my Bank of America card on XXXX XXXX for XXXX. BOA show the transfer and a transaction # that went to XXXX XXXX ( XXXX XXXX transferred all cards to XXXX XXXX. My XXXX card has not been paid off and it's been over a month. I have called BOA to ask, they say it's already processed they can't help me further so call XXXX XXXX. XXXX  XXXX states they can't help call XXXX XXXX. XXXX XXXX says NOPE NO PAYMENT, refer back to XXXX XXXXXXXX. I have been calling, escalating things emails and many hours spent on this and NOBODY WILL HELP ME. So now both banks are carrying my debt. I don't make much money so {$880.00} to me is huge. Please help. I have emails that state nobody will help from BOA and XXXX XXXX XXXX XXXXXXXX states they don't have the payment that BOA shows. I have attached the email for XXXX ( whom says she can't help when I call ) and the one for XXXX that states no help, and the screen shot of my BOA with the transfer complete to XXXX XXXX. XXXX card ending in XXXX whom the transfer was for is now on my boa CARD ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account NumbeXXXX XXXX XXXX XXXX  XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I NEVER USE MY INFORMATION OR PROVIDE MY INFORMATION TO ANY OF THIS COMPANYS I DISPUTE ALREADY ON MY CREDIT BUROS BUT STILL REPORTING SOME OF THEM i request help to investigate. i also notice that are auto financing companys and i dont have any valid driver license i demand must be delete from my credit report since i dont reconized any of this hard inquirys XXXX inquiry date XX/XX/2022 Business type XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone XXXX ( XXXX ) XXXX XXXX inquiRY date XX/XX/2022 Business type XXXX XXXX XXXX XXXX  Companies Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 Business type XXXX XXXX XXXX  Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with ( XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made 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 ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( XXXX XXXX XXXX XXXXXXXX ) 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 card or prepaid card

I purchased what I thought was a prepaid debit card from NetSpend, but they are something totally different I suppose. I tried calling to activate the card, but I fail the automated " security test '' because the social security number " does not match [ their ] records. " I never gave them a SSN. So I talk with a rep and no matter how hard I plea with them not to send me back to the automated system, they do anyways, and after failing the security test a second time, I get put on hold for 10-15 mins until it just hangs up and I start the process all over. 'NetSpend was sued by the FTC in 2017 for doing this exact thing. How did these cards wind-up on the shelves of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, there are unauthorized inquires reporting on my credit report
Product: Credit card

My statement balance was {$2900.00} that was due by XX/XX/XXXX. I paid my full balance on XX/XX/XXXX for the amount of {$2900.00}. This company is still charging me interest on the balance that I already paid before my due date. The portion underneath the statement " How to Avoid Paying Interest on Purchases '' indicates interest will not be charged if previous balance is paid in full by its payment due date. At XXXXam on XX/XX/XXXX I called and explained this to the representative who was very rude and wouldn't let me speak her name is XXXX XXXX then she transferred me to a supervisor named XXXX who told me that their policy is that the full balance has to be paid for XXXX consecutive cycles to avoid an interest charge. This doesn't make sense because I'm being charged interest on purchases I have already paid. Their terms and conditions printed on the statement are deceiving and abusive as nowhere does it state what the supervisor said. I requested a review and removal of interest charge and the supervisor said it would be escalated for review but didn't guarantee anything. This credit card companies practices are deceptive and unfair to clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

A repeated issue with Experian. They have been showing an account as 'failure to pay ' status, damaging my credit score, where in reality the account has been paid in full and closed for years. They are completely inept, and have repeatedly lied to me about contacting the original debtor, claiming that the original owner of the debt verified their information. Not only do I know the information to be false as a simple matter of fact ( and, by the way, the other two major credit bureaus have the correct information ), I called the original debt owner myself and validated that their records are accurate. So it is XXXX  % solely an Experian problem and they are outright lying to me claiming it isn't. They have falsely claimed to have 'addressed ' my problem nearly a dozen times over the past 4-5 months and have made very little progress toward fixing it. The last complaint I filed resulted in them changing the status from 'collections ' to 'failure to pay ' which I suppose is progress ( maybe? ) but is still completely inaccurate. Again, this is an account which was PAID IN FULL and CLOSED YEARS AGO. So, Experian ( you paying attention? ) ANY STATUS WHICH SHOWS A BALANCE OWED IS INCORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never fail to disappoint me when it come to doing their best at nothing. I have been sending numerous letters and complaints to the Credit Bureaus urging them to properly investigate the accounts in which I belived reporting erroneous information and doing harm on my Credit File. Despite all my efforts, the Credit Bureaus grew negligent and never even bothered to do an investgation on my Credit File. The FCRA gave the Credit Bureaus ample amount of time to do a proper verification and correct the accounts and yet they have failed to respond to my letters. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I need the Following acounts verified and corrected immediately : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Balance {$180.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX Balance - Date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a lease with XXXX XXXX after the appropriate process was completed at my local XXXX, XXXX, XXXX dealer. They informed me that I would not owe anything for the first month or two. The dealership, despite having my license, telephone # and address filled out correctly BY ME, supplied the 1. Wrong phone number to XXXX XXXX 2. The Wrong Address, and 3. Supplied them with NO EMAIL. I tried to log into XXXX XXXX after not receiving any correspondence fro leasor but was unable to do so as I did not even have my account number. I was notified of a credit change and immediately called XXXX XXXX and they NOTED it was their mistakes that led to this delinquent reporting as they verified NO correspondence was sent to me via email, phone, or mail. They told me I had to contact the credit bureau 's to rectify, which I did, but this still remains as an adverse event that was not of my fault. I am current on ALL payments with every institution I am involved with. This adverse event is unjustified as I had done my due diligence in filling out correct information MULTIPLE times at dealership.
Product: Credit card or prepaid card

American express recently cancelled my two accounts Which I had since 2016, XXXX ending in XXXX and XXXX. 

Not only that, they also discontinued {$10000.00} credit line they gave to me in the form of Kabbage ( which changed to Amex XXXXXXXX ) recently. 

I have made big purchases from American express credit cards, like recenly I purchased a XXXX, have been doing online shopping from different stores, like bed, couch and lots of other things. 

I was really dissapointed that out of no reason two of my american express credit cards were closed.

To all these people looking at my complaint, I will highly advise you not to open or use American express credit cards, they can close your credit cards giving lame excuses.

There are lots of other credit cards you can use and rely instead of American Express.

I would highly advise not to use and not to open an account with American Express at all.
Product: Money transfer, virtual currency, or money service

Hello sir, I have two accounts with PayPal one under my name XXXX XXXX and email address XXXX and other account under my brother name XXXX XXXX under email address XXXX. 

In XX/XX/XXXX, Paypal informed me that I will not be able to use their service and they held my balance in total {$15000.00}. I have field two complains in the XXXX for each account and PayPal responded to my complains and they informed me that I have to wait 180 days to release my fund. 

I have waited 180 days and on XX/XX/XXXX, PayPal performed unauthorized transaction on the two accounts and they transferred all my money to an account called PayPal and they marked the transaction as corrections. Then, later they reported a problem about these transactions that they have performed on my account. 

I contacted PayPal asking about why they transferred all my money to this account that I am not a ware about. At that time I have informed that I have violated XXXX  policy and they will take all my money. 

I have tried to explain on a multiple occasion that I have not violated the policy and their claim is totally wrong. I have provided them on a multiple occasion that they are processing payment till this moment to the same research chemical product that I was selling at that time on XXXX. They said we will not return your money. I tried on a multiple occasion to ask them for evidence from their policy that I violated their policy, but they do not respond in a professional way. They said you violate the policy where there is no one single item in the policy states that research chemical products are not allowed. In addition, they still processing these kind of transactions till this moment for other websites. 

I have contacted the senator office in California to protect us from PayPal and I have been asked to file complain in the CFPB. I would appreciate if you can help me with this matter. 

XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXX has a problem with an online bank. The bank has never been able to credit payments made to XXXX different accounts : XXXX and Sam 's XXXX XXXX. The XXXX account was paid in XXXX 2015 and the Sam 's XXXX XXXX was paid off in XXXX 2015. 
The online bank claims that XXXX paid the XXXX debt at Sam 's Club and still owes money on the Sam 's XXXX. 
The assertions by the bank are preposterous because my wife could not have made a payment to an XXXX account at Sam 's Club. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE ASSIGNED : XXXX, XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, CBNA add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX, XXXX and XX/XX/XXXX XX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

Conns calls repeatedly, even after I spoken with a rep and asked them to stop the constant phone calls, I was told I would still receive the phone calls until the bill is paid in full. And they call from a bunch of different numbers constantly back to back and have called my job as well. Pure communication harrassment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report. This is my attempt to rectify this issue, and I am becoming increasingly frustrated by the lack of response and action on your part. It is crucial that these items be removed immediately to reflect my true credit standing. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or outdated information on my credit report. These accounts are either beyond the statute of limitations or contain erroneous information. Despite my previous attempts, these items remain uncorrected. I have included copies of my previous correspondence as well as supporting documentation to expedite the review process. Please help me conduct a thorough investigation of these items and provide me with written confirmation of their removal within 30 days. The following items should be remove as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$980.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$980.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HI XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, HI XXXX ; XXXX XXXX XXXX XXXX Owed : {$2800.00} ; XXXX XXXX XXXX Balance XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX, XXXX Experian XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report - Reference to CFPB Lawsuit Dear Experian Disputes Department, I am writing to formally dispute inaccuracies on my credit report. I have previously submitted disputes to you regarding these inaccuracies, but they continue to persist on my report. This ongoing issue of reporting errors has prompted me to formally escalate this matter. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for its failure to appropriately handle credit reporting disputes and for inaccurately reporting consumer data. This legal action highlights concerns that are directly relevant to my experience with your company, where repeated disputes have not resulted in the accurate reflection of my credit history. 
Specifically, the following information remains inaccurate on my credit report : [ XXXX. XXXX XXXX- ( XXXX ) from XX/XX/XXXX. 
XXXX. XXXX XXXX ( XXXX ) from XXXX XXXX, XXXX, XXXX, XX/XX/XXXX and Charged off from XXXX XXXX. 
XXXX. XXXX XXXX ( XXXX ) from XXXX, XXXX, XXXX, XXXX of XXXX and Closed XX/XX/XXXX. 
XXXX. XXXX XXXX ( XXXX ) from XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and XXXX, XXXX, XXXX, XXXX of XXXX and charged off from XXXX, XXXX, XXXX of XXXX and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX ] I request that you review and correct these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). As part of your investigation, I ask that you provide me with the results and any supporting documentation, including how the inaccurate information was verified or updated. 
Given the nature of the CFPBs legal action against Experian, I expect that you will handle this dispute promptly and with the appropriate due diligence. Please inform me of the outcome of your investigation within the 30-day period outlined by law. 
Thank you for your attention to this matter. I look forward to your timely resolution of these issues. Should you require any additional information to process my dispute, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Product: Credit reporting 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 the 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, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Payday loan, title loan, or personal loan

The account for SYNCB/CARE CREDIT is incorrect on my credit report. The last activity date is reporting different for all three bureaus. This is information is inaccurate and it need to be investigated.