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

XXXX CONTINUES TO IGNORE REQUEST TO INVESTIGATE DISPUTES RECIEVED BY MAIL. EQUIFAX RECEIVED A DISPUTE FROM ME ON XX/XX/24 VIA CERTIFIED MAIL # XXXX. ON XX/XX/24 EQUIFAX MAILS ME A RESPONSE CLAIMING THEIR WAS NOT IDENTIFICATION DOCUMENTS ATTACHED. THIS LETTER IS A PART OF EQUIFAX TACTICAL RESPONSE OF MAILING OUT STALL LETTERS FROM THERE DISPUTE SYSTEM TO KEEP FROM INITIATING RE-INVESTIGATIONS. THEY HAD NO PROBLEM MAILING ME THE REFUSAL AND STALL TACTIC LETTER TO THE ADDRESS THIS WAS LISTED ON MY IDENTIFICATION DOCUMENTS PROVING THAT THERE WHOLE NOTION TO NOT START A RE-INVESTIGATION IS A LIE. ATTACHED IS THE LETTER FROM EQUIFAX VIOLATING 15 USC 1681I ALSO ATTACHED IS THE ORIGINAL DISPUTE THAT THEY RECEIVED AND REFUSED TO REINVESTIGATE. EQUIFAX NOW HAS THE REMAINDER OF THE INITIAL 30 DAYS THEY ORIGINALLY SIGN FOR THE DISPUTE OR A LAWSUIT WILL FOLLOW AND I WILL BE SUING FOR ACTUAL DAMAGES SUSTAINNED.
Product: Credit reporting or other personal consumer reports

There are multiple accounts that do not belong to me on my report.
Product: Money transfer, virtual currency, or money service

PayPal continues to put my withdrawals from my PayPal balance to my confirmed bank account on hold for indefinite periods of time, without any notice as to the time it will take to complete ( or at least a timeline that proves accurate ), with no way for any human at PayPal to resolve it. The money I have in my balance was needed to pay my bills, and now, I will be late paying them, as PayPal has decided to pad their accounts with their users money in an attempt to gain as much interest on their money as possible before deciding, at their sole discretion, when their " security '' checks are done, sending the users ' money to their account. 

A call to PayPal lead to poor customer service, and upon asking for a manager, I was put on hold for nearly 45 minutes to wait for a manager, who pointed towards an obscure part of their user agreement as reasoning for this, and that no human can/does actually review the transaction.
Product: Consumer Loan

I received a threatening letter in the mail stating that if I do n't pay {$1300.00} by XXXX / XXXX / 2015 they are going to take repossession of my vehicle. After I have made XXXX car payments and they know I 'm out of work from giving birth to my son.
Product: Debt collection

I had dispute over an amount on a purchase I made online using PayPal Credit, which is different from Regular PayPal. The correct amount was credited back to my running balance. However for some reason which no person has answered yet my transaction was with PayPal Credit ( handled by the Synchrony Bank ) however Regular PayPal became involved for some reason unknown to me. They sent me a notice that since I had contacted the financial institution for PayPal Credit that they ( Reg. PayPal ) could not resolve the issue, that I should contact Synchrony Bank ( PayPal Credit ) to handle the matter I do not, have not, nor will I purchase using Regular PayPal because you have to put up a cash amount to spend with. I have had PayPal Credit from the start. So I can not understand how Regular PayPal took it upon themselves to resolve a matter that the Synchrony Bank financed for me in XX/XX/2020. 
However I recently was notified by Regular PayPal that they had credited my account twice so now I was informed they were collecting, the undocumented error that their book keeping had made, from my money sent to me to pay a phone bill. Theres no body available to talk to that will tell me the transaction data for each credit they gave me because I dont purchase through them. 
They have not given me any money and the Synchrony Bank said ONLY ONE CREDIT for that transaction shows. I have no other account for them to credit, but they have taken my bill money unfairly. Over a week ago when I realized that there was a problem I made numerous calls and requested copies of all my statements since the original purchase date so I could see what day they credited my account that I dont have. I have made in excess of 10 - 15 calls and spent at least 8 solid hours with PayPal and PayPal Credit an and Synchrony bank trying to find out where the credit went, if they actually credited something after telling me they could not investigate the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX, I opened a credit card account with capital one. I defaulted due to financial mismanagement, I was informed the account was sold to a third-party whom I then reached out to and paid the account in full. XXXX XXXX XXXX removed the account from my credit report. I noticed the account continues to be reported on all three agencies by Capital One. The account status as sold to XXXX and does not include any remarks that it was paid in full just a XXXX  balance, I spoke with Capital One they stated they are not reporting on their end. I spoke with XXXX and they mentioned they are a bank not a third-party collections agency. I spoke with the three companies as well as the credit reporting agencies XXXX, XXXX, XXXX. Noone seems to have an answer. I firmly believe they are not performing an extensive investigation even though I have provided all the details and concerns. The account shows no activity past XXXX. Please remove. Thank you!
Product: Credit card or prepaid card

Attatched USAA FRAUD letter XX/XX/XXXX CREDITS FRAUD CLAIM DATE XX/XX/XXXX {$470.00} attatched statement of XX/XX/XXXX ONLY CREDITS FROM MERCHANTS. attatched XX/XX/XXXX statement confirms {$700.00} OTHER **INTERNAL CREDITS. attatched XXXX XXXX OTHER I** NTERNAL CREDITS OF {$2.00}, XXXX = {$3.00}, XXXX. SHOW PROOF USAA PERMANET CREDITS {$3.00}, XXXX EVER LOWERED THE BALANCE. XXXX Please Provide WRITTEN PROOF OF EACH PURCHASE AND WRITTEN PROOF THAT ALL DELIVERIES WERE DELIVERED INTO MY HANDS. Kindly Note ( USPS ) DELIVERIES UNDER CRIMINAL INVESTIGATION. case DOCUMENTATION PROVIDED.
Product: Credit reporting or other personal consumer reports

Tonight, I discovered errors in my credit report, and I don't understand why they're there. I checked my credit report as usual and saw unexpected discrepancies. I refreshed my browser, hoping it was just a technical issue, but the inaccurate accounts remained. Because of this, I ask for a careful examination of the documents I've submitted to ensure this problem is resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with my mortgage. I was unemployed from XX/XX/XXXX through XX/XX/XXXX. In late XX/XX/XXXX, I approached Well Fargo to request a re-fi to enable me to reduce my burden given my employment situation. They agreed and asked us to pay a small amount monthly, which we paid on time every month, and they eventually came up with a 40 year plan with a higher interest rate in XX/XX/XXXX ( predatory? ). We agreed to the terms and began to make payments on this new loan. We didn't have much choice as I had not yet landed a job. All of our payments have been as per commitment and on time for this new loan starting in XX/XX/XXXX. Well Fargo then reported us late to the credit agencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX,  without notifying us. We were applying for a loan and were denied due to poor credit from late mortgage payments. We disputed this and it was rejected even though they sent a letter saying that they will not report us late to agencies as long as we were on time. The letter actually contradicted itself! In speaking with their loan consultant during that time period, I made it crystal clear that we did not want this to impact our credit, and that we would draw the money from other places to make payments to avoid credit impact for this secured loan, and she said it would not affect credit as long as we complied with new payments as requested. We did comply. When we complained about this, we were given a case manager to specifically work on our case and were told to call her for assistance while this was being worked. I called the Case Manager about 5 times and she never returned my call. She chose to deal with us via postal mail, not even email, with contradictory messages! Ironically, all the reduced payments did was add the interest to the end of our loan and increase the loan amount! I'm now gainfully employed and have been since XX/XX/XXXX but we're not able to qualify for a loan for our XXXX going to college and relocating there in support of them. What can we do to get our credit repaired quickly, given that Well Fargo still claims that their process was followed correctly? How can we be reported as late those months when we were making payments on time? Thanks in advance for the help and advice.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT and NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX- Account # XXXX This account has multiple inaccuracies and is reflecting negatively on my XXXX credit report, This account does not belong to me and should not be reporting on my credit file, I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is COMPETENT to evidence BEARING MY SIGNATURE showing that this account belongs to me. 
Please DELETE for inaccuracies! 

*XXXX- Account # XXXX Is reflecting negatively on my XXXX, XXXX, and EQUIFAX credit reports.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is COMPETENT to evidence BEARING MY SIGNATURE showing that this account belongs to me. 

*XXXX- Account # XXXX  This account reflects a DEROGATORY status on my XXXX credit report and this account has never been late and has always been paid up to date. Please UPDATE this account to a positive status. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a email from you saying that Experian has responded. Well the information they respond with is not only incorrect but it extremely confusing to figure out. I previously submitted a complaint XXXX. I still cant log onto their website and can not change pw or username. Its broken. Cant call they dont answer the phone after many attempts, more than original complaint. Seems to me they are doing a good job of dodging the issue by saying the current issue is dated in 2015.
Product: Credit reporting or other personal consumer reports

I called Experian today because after over 2 years, they have not answered my request to update my legal name in their records. They would not transfer me to an agent. In 2022 I sent every item of proof they requested to the appropriate address, and they never answered. They claim they responded to my previous CFPB complaint, but they only acknowledged its receipt and took no action.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is depressing to see the Credit Reporting Agencies do nothing with regards to my appeals for them to remove the disputed items that resulted due to Idenity Theft. I have already sent nineteen dispute letters pointing out the fact that I was a Victim of identity theft and that I never received anything nor benefits as the result of the theft of my identity. With the Creit Bureaus decision to ignore my written appeals, they have violated the Fair Credit Reporting Act section 605b and I am planning to take legal actions against the Credit Bureaus. I feel like all XXXX efforts ahad gone to waste and that the Credit Bureaus liked seeing a consumer like me suffer because of their negligent and non-compliance. I have informed my legal council about my plans and they are willing to help me. Once again, I need the Credit Bureaus Remove the Following items pursuant of the FCRA section 605b as soon as possible : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I called both XXXX and Transition about two fraudulent hard inquiry on my credit report. I was then told to contact the credit which I then did. The creditor told me me that they cant do anything on their end so I I would have to discuss it with the credit bureaus. there are hard inquiry on only credit report hat doesn't have any account link to them and I has both XXXX and transunion to remove them and they won't do it. I have also then multiple letters to them
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. TRANSUNION  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. TRANSUNION failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.
Product: Debt collection

I leased a new vehicle from XXXX XXXX XXXX on XX/XX/XXXX. Part of the deal was a trade-in of my XXXX. The XXXX was leased by me from US Bank on XX/XX/XXXX for 4 years. The XXXX lease had not yet run out and there was some residual due. I have received monthly statements from US Bank every month since then demanding that I make the lease payments and claiming that more than {$20000.00} is now due and owing. The lease should have been paid off or, in some way, handled by XXXX XXXX XXXX but it has not been. I have spoken to US Bank on more than one occasion and explained that the XXXX is now owned by XXXX XXXX XXXX but they continue to send me the monthly dunning notices. The most recent dun from US Bank is threatening to send the debt to Collection and US Bank is now adding late payments to the lease payment. My husband complained about these same facts ( Complaint XXXX ) and the CFPB informs us that US Bank claims not to know who he is, although we share the same last name and address and from my credit report they can easily determine that he is my husband. The refusal to respond to his complaint by claiming not to know who he is is simply another evasion and tactic to put more pressure on the consumer. The attachments include my husband 's emails to XXXX XXXX XXXX to try to get them to honor the deal they made. Also attached are the monthly lease statements we have continued to receive from US Bank. Also attached is the lease I signed with XXXX XXXX XXXX on XX/XX/XXXX : the trade-in was a part of that deal.
Product: Checking or savings account

In XX/XX/XXXX we opened up a Checking/Savings Account with Bank of America. Acct # ending in XXXX. XXXX XXXX and XXXX XXXX This account was opened because we opened up an installment loan with Bank of America for Recreational Vehicle. We were told that this account is needed to get the installment loan. In XX/XX/XXXX I found out from a representative that the only way to avoid the monthly fee on the account is to have an installment loan with Bank of America, which I do. 

The representative transferred me to complaints and reviews. I was told by the Manager that they can not stop the fees because Bank of America no longer offers RV loans ... 

I don't care that they no longer offer them. First, I should never have been charged the fees to begin with. If we go all the way back, we are looking at least {$860.00} in refunds for these fees from XX/XX/XXXX to the present. During this time and our contract for the checking account, we have maintained and have an installment loan with Bank of America. 
We requested the fees be reversed and stopped. I have not received any written response or reversal as of today. It is past 30 days.
Product: Credit card or prepaid card

on XXXX/XXXX/XXXX I received an email from Bank of America stating my credit line had been decreased. 

I called on XXXX/XXXX/XXXX to understand why, the rationale was completely arbitrary and when speaking with the " underwriter '' she stated they pulled a soft inquiry and evaluated my deposits into my checking account. 

My credit line was decreased {$2000.00}. I have been a credit card holder through Bank of America for 12 years and have never gone delinquent. 

I recently closed 4 accounts ( paying total owed off ) that may be affiliated with Bank of America leaving my only open credit account to be with Bank of America. 

from an income perspective this is my highest income year since I 've had the card. the rationale does not seem to be based in fact. 

please help me understand if this is a fair practice.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I contacted both XXXX and Equifax by phone to remove inaccurate & non approved hard inquiries as well as inaccurate information & addresses. Both companies refused to investigate, Validate or remove these inaccurate items.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an existing issue with XXXX XXXX and equifax XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach out to FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.