23daVinci/CFPB_Complaints huggingface dataset:
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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX Late Payment XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX XXXX XXXX - this account was pai d in full back in XXXX or XX/XX/2023 - Transunion is still not reflecting all three bureaus need to show I NO LONGER OWE ON THIS LOAN BECAUSE I TRADED MY CAR IN WITH XXXX - I PAID THE CAR IN FULL IT NEEDS TO BE REFLECTED WITH TRANSUNION XXXX XXXX AND XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without proving any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) Against them for similar violations. I Request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate ( XXXX, XXXX XXXX XXXX ).
Product: Money transfer, virtual currency, or money service

I have XXXX on my PayPal account, they closed my accoumt with no reason, and told me that I need tk wait 180 days to withdraw funds. Its about 1 year ago they told me that. 
My paypal linked to this adress XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was the victim of a sophisticated scam while trying to purchase an antique car on the internet. On XX/XX/XXXX I authorized my investment manager, XXXX XXXX, to wire transfer {$9000.00} to the account designated by the scammers. The account information specified was as follows : Beneficiary/Account Holder : XXXX XXXX XXXX Payment Reference : XXXX Bank : Bank of America Account No : XXXX XXXX XXXX Routing No : XXXX Hightower uses XXXX XXXX as the originating bank and on XX/XX/XXXX, after proper due diligence the funds were transferred. 

On XX/XX/XXXX, after figuring out the scam mechanism, I requested that XXXX attempt to retrieve the {$9000.00} from Bank of America XXXX XXXX assigned an investigator who immediately filed a claim ( XXXX case # XXXX, Bank of America Incident Report # XXXX ) Bank of America advised the XXXX XXXX that they required a minimum of 90 business days to attempt to retrieve the funds. This time period expired on, or about XX/XX/XXXX. 

There has been no meaningful information forthcoming from BOA since initiation of this claim with the last conversation ( no new information- '' claim in process '' ) on XX/XX/XXXX. 

It seems to me that BOA should provide the following information : 1. Does BOA have procedures in place to properly vet their customers? 
2. If so, were these procedures properly followed regarding the reci [ ient of the wired scam fundsXXXX XXXX XXXX XXXX? 
3. Why has BOA not communicated with the XXXX XXXX with meaningful information. 
4. If no recovery has been achieved, does BOA carry insurance or self insurance to protect victims of this increasingly prevalent occurrence and if so how could I, as victim, access these funds? 

I filed an FBI IC3 complaint on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported improper reporting of bankruptcy to Transunion on my XXXX XXXX XXXX XXXX has reinstated my credit card due to a mistake on their part as I am not in any type of bankruptcy. However Transunion is still reporting bankruptcy on my credit. I reached out to XXXX  and they state they have corrected their error and reported the bankruptcy was an error by XXXX and reinstated my credit card. Transunion still reporting bankruptcy on new updated report they provided after their investigation which is invalid.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card or prepaid card

Home Depot issued me a credit card with a {$8500.00} limit. On XXXX without cause, I received a letter stating they decreased my limit to {$6300.00}. I was in a middle of a major renovation project and when they decreased my limit, the project had to come to a stop because there was no available credit on the card. I immediately contacted Home Depot as I always paid on time, made additional payments, often paid the balance off in full, and was never late. They agreed this was an oversight and they then increased my credit back to {$8500.00}. A few months later they increased my credit limit to {$11000.00} as we started another major renovation project. Then on XXXX, I again received a letter stating Home Depot decreased my limit to {$8900.00}. Once again, our renovation has come to a complete stop because they decreased the limit to having only {$49.00} in available credit. Most importantly, every time Home Depot decreases my credit limit to the balance owed, it negatively effects my credit score.When my credit limit is dropped to the balance owed, it then shows I am using 100 % of my available credit. This unfair trade practice dropped my score XXXX points each time Home Depot did this. This is an unfair practice because as mentioned above, I always paid on time, made additional payments, often paid the balance off in full, and was never late. In fact, this is true for all of my lines of credit- nI have an exceptional pay history! It is extremely difficult and takes a lot of time to build credit and its is unfair that a credit card company can decrease my credit limit and damage my credit score. Home Depot should be held accountable for damaging my credit score!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$2800.00} XXXX XXXX XXXX Date Opened XX/XX/XXXXBalance {$880.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4400.00}
Product: Money transfer, virtual currency, or money service

Last week, I attempted to make a cryptocurrency purchase from PayPal in order to procure a digital asset ; however, was unable to send the token ( XXXX ) to the seller -- -- and REMAINED unable to externally transfer the digital currency ( Litecoin ) I purchased. 

I've spent hours with PayPal and my bank in attempts to rectify this debacle, and finally was able to have my bank DECLINE payment to PayPal, who then contacted me after suspending my PayPal account 's funding ( bank acct ) source, and verbalized that if not paid for, that PayPal would pursue collections, which could/would detrimentally affect my currently XXXX rated consumer credit profile. 

While I'm sure this roadblock is spelled out somewhere deep inside PayPal\ 's XXXXlegal manuscript, *NOWHERE* was this factor communicated to me during the purchase process. The digital asset I wished to buy ceased to exist ( sold.. ) not long after I determined the token I'd purchased was stuck in XXXX  -- -- and, hence, I have XXXX need/desire for the XXXX  any longer; again however, PayPal has repeatedly refused to void the transaction, nor refund any money paid.

It's ludicrous that PayPal can " sell '' digital currency that is fluctuating in value by the second -- -and did so XXXX for over XXXX days after I attempted to make the purchase/acquisition -- -yet the purchaser ( me ) was unable to utilize/transfer out the funds/XXXX  under contract. Obviously, the fungible asset could be entirely worthless over the XXXX period that transpired before my bank finally stopped payment on the purchase. 

In digging through the very lengthy, confusing legal/XXXX  literature, which is buried deeply in multiple menus on PayPal 's site, it's virtually impossible to ascertain accurate fees, terms and comprehensible parameters pertaining to buying, selling, transferring ... .XXXX XXXX ... .the digital currency PayPal purports to offer to it's user base. 

I've attached an image showing the XXXX in my PayPal account, yet I was completely unable to utilize the asset for the purposes I purchased it for.
Product: Debt collection

Dates : XX/XX/2022 Amounts : {$93.00} ( now ) Actions Taken : I emailed and texted them telling them it wasn't my debt and that I had never received phones or service from XXXX XXXXXXXX but they continued to bill me and it kept adding up to the point of what it is now.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE
Product: Checking or savings account

I attempted to close my TradeStation XXXX  ( XXXX ) and XXXX  ( XXXX ) accounts However due to a {$10.00} fee was told I can not close my account. 


This is fairly disappointing as still a fairly new customer to TradeStation, as I no longer have any use for this account, and was still getting familiar with the fees. 


I have attempted to ask as a one time courtesy to waive this fee and close my account, and was denied even when asking politely to involve upper management to take a second look. 

I am requesting a waive of this {$10.00} fee and a closure of my TradeStation accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries. These were not obtained with my consent. On XX/XX/2022 I reached out to the credit bureaus to validate these inquires and I have not received any proof of validation. I requested that documentation be mailed showing where I authorized these inquiries, a agreement with my handwritten signature. Here are previous dispute ID numbers. 
XXXX XXXX XXXX XXXX Where I have requested validation documentation
Product: Checking or savings account

To Whom It XXXX Concern, I hope this letter finds you well. I am writing to file a formal complaint against Wells Fargo regarding their handling of my request to reimburse overdraft fees on my account. 

In late winter XXXX, I contacted Wells Fargo via phone to request a refund of the numerous overdraft fees charged to my account. During the call, I was informed that I could only be reimbursed a small amount under {$80.00} ( I can not recall the exact amount, but it was under {$80.00} ). This amount did not adequately address the issue, especially considering the circumstances surrounding the overdraft fees. 

Subsequently, on XX/XX/XXXX, I took further action by sending a fee appeal letter to Wells Fargo, reiterating my request for a refund and a waiver of the overdraft fees. In my letter, I highlighted the hidden clauses justifying these fees, which were concealed in extremely fine print. I expressed my surprise at such hidden fees, as I had never been aware of them. I found this practice dubious and unsettling as a loyal customer. 

I provided background information, highlighting my long-standing patronage of Wells Fargo and my consistent efforts to maintain a positive balance and responsible payment behavior. However, due to recent personal hardships and unexpected familial obligations, these fees have become an immense financial burden, making it increasingly difficult to maintain my loyalty as a customer.

Despite my sincere and compelling appeal, Wells Fargo replied, stating that they could not grant my request for a refund and waiver of the overdraft fees. This response was disheartening and left me feeling unheard and unsupported by the bank.
Product: Debt collection

Today is XX/XX/XXXX. I had a Chase credit card years ago and paid it off in XX/XX/XXXX through another agency. I have all my paperwork to prove it. Six years later I am getting a notice saying I owe {$4300.00} but I can settle for {$2100.00}. When i call this suspicious company called XXXX, they put me on hold and then hang up. Cant reach an actual person. Seems like a scam to me. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX, XXXX , WA XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Equifax ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I purchased a purse and wallet for {$140.00} on XX/XX/2022. These items were to be mailed to me in 10 to 25 days. I never received these items. On XX/XX/2022, I contacted capital one by phone and was put on hold for a long period of time and never got to talk to anyone because I got disconnected 3 times. Then I went to my account on my computer and disputed the charge of {$140.00} that was charged to my capital one credit card. I never received this product and I have reported this company to the XXXX XXXX XXXX, but I would like my money back that was charged to my credit card asap. Since it is over 30 days, I can not dispute the charge anymore, so I am unsure what to do to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months I've been Disputing Transunion about 2 US DEPARTMENT OF EDUCATION accounts XXXX & XXXX to be deleted from failure to validate, obligations to fairness and privacy and inaccuracies. 

I have multiple letters daily from TransUnion Reporting Agency of inaccurate and willful non compliance and Neglect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

EQUIFAX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Collection XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX