23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX MC XXXX Balance : {$670.00} ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.Code $ 1692g 15 USC 16928 ACCOUNT : XXXX XXXX XXXX XXXX, ACCOUNT : XXXX If you notify the debt collector within 30 days the debt is being disputed according to the FTC ; " Reporting debts first and asking questions later - or not at all - can land collectors in a steaming alphabet soup of FDCPA and FCRA violations. '' A debt collector must do notify you before reporting otherwise quote this ; " [ debt collectors ] violate the Fair Credit Reporting Act by furnishing information to credit reporting agencies they knew or had reasonable cause to believe was inaccurate, by failing to conduct reasonable investigations of disputes, and by failing to report the results of those investigations to consumers HOWEVER if they never contacted you at all or you never spoke on phone etc, they did not conduct a reasonable investigation. Sending a letter and you not responding is not a reasonable investigation. So it is still a violation for having a debt reported without speaking to you and validating the debt beforehand. 
Usually, debt collectors send a notice and after 30 days of no response, they assume the debt is valid and report from there. This is not legal without verification however the debt collector will make the argument that the notice was given, so please respond to all debt collector notices letting them know you do not consent to any offers to contract nor do you validate any debts.
Product: Mortgage

OCWEN MORTGAGE. Ocwen sent escrow shortage notice XXXX/XXXX/15 reporting XXXX {$960.00} amount. I paid this amount in full and payment was credited to my account as Escrow Payment on XXXX/XXXX/15. Received statement dated XXXX/XXXX/15 for XXXX/XXXX/15 payment and Escrow amount was listed as {$370.00}. On XXXX/XXXX/15 Ocwen processed a payment which included an escrow payment in the amount of XXXX {$960.00}, the full payment including this escrow amount was deducted from my checking account. The amount deducted was in excess of @ {$580.00}. Fortunately I had the money to " float '' Ocwen 's accounting mistake. If I did not have the extra funds in my account I may have been charged excessive bank fees, erroneous credit reporting, and ridiculous amount of time and effort for the inept activity of Ocwen. Currently Ocwen is reporting on statement dated XXXX/XXXX/15 I again owe XXXX {$960.00} for escrow. I contacted Ocwen XXXX/XXXX/15 and spoke with Escalated call rep XXXX who is researching my complaint and reports my information is correct regarding the error in the escrow amount and once review is completed I should expect a refund check within 5-7 days ... ... ... ... ... ... ...
Product: Money transfer, virtual currency, or money service

Dear PayPal, I hope this message finds you well.

I am writing to request a review of my PayPal account, which was recently suspended. I was surprised to receive this notice and would appreciate your assistance in resolving the matter.

I am committed to adhering to PayPals terms of service and am eager to understand the reason behind the suspension. If there are any specific issues or actions required on my part to facilitate the review and possible reinstatement of my account, please let me know.

I value the services provided by PayPal and wish to resolve this situation promptly. I am available to provide any additional information or clarification needed to expedite the process.

Thank you for your attention to this matter. I look forward to your response and hope for a favorable resolution. 

Best regards, XXXX
Product: Credit card

I opened this account roughly 11 months ago. The credit limit was {$5400.00}. PayPal/Synchrony Bank reduced my credit limit to {$3900.00} in XX/XX/XXXX. I paid PayPal/Synchrony Bank {$1800.00} in XX/XX/XXXX. PayPal/Synchrony Bank never reported this new balance amount to the three credit reporting agencies. In XX/XX/XXXX PayPal/Synchrony Bank reduced my credit limit to {$1800.00}. 

In less than 6 months of having this account. PayPal/Synchrony Bank reduced my credit limit. They reviewed my account a second time in less than 6 months and reduced my credit limit again without reporting the new balance amount, which was favorable to me. This practice of reducing my credit limit twice in less than a year is unfair and does not allow me to build credit because my debt ratio is being hindered by PayPal/Synchrony Bank . 

The company told me that they review accounts periodically. I asked for their policy to be emailed to me but they transferred me to another department.
Product: Credit card or prepaid card

Hi i logged into my credit report as of XX/XX/2022 and I noticed two capital one credit cards that were opened in my name and I have no idea who could have done this or did it. These are not my accounts even though it states my name. I never had a credit card before and do not need one. I see theres positive activity on the account which is akward.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX I have recently pulled my Equifax credit report and notice an account has been investigated and deleted by another credit bureau still being reported by Equifax. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete these accounts for accurate reporting. They should be deleted in order to show my true credit history.

XXXX has removed all accounts associated with XXXX XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors.

XXXX XXXX XXXX Account # XXXX   Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete.

Thank you for your cooperation, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. I have been trying to file a dispute, I deposited money on CashApp and it said it failed, although it took it out of my account, totaling to {$6000.00}. I also have been scammed on CashApp for {$250.00}, I have submitted claims and have heard nothing. CashApp support has neglected me.
Product: Checking or savings account

On XX/XX/XXXX, I opened a Citibank XXXX XXXX account after receiving a bonus offer through my online banking account which I manage my credit card. The offer promised to pay a {$450.00} bonus if you met specific requirements, including maintaining a {$50000.00} balance and keeping the savings account and credit card open for the 90 days of the promotional period. 

I met all requirements to earn the {$450.00} bonus for this account, however, I never received the bonus. I called the Citibank customer service line on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and was told that I was eligible for the bonus and should have received it. The concern was reported as a dispute claim on XX/XX/XXXX. I was not allowed to contact the " dispute resolution department '' and they never contacted me, even though I was told they would. I was not allowed to escalate this situation, other than to let it be decided by the dispute department, even though I never spoke with anyone from the department. On XX/XX/XXXX, I was sent an alert through my online banking account stating I would not receive the bonus because the offer was not sent directly to me. This is not true. The offer was sent to me as a bonus promotion through my online account, which is how I signed up for the account. I also received a confirmation email on XX/XX/XXXX, congratulating me for being eligible for the bonus after my {$50000.00} deposit had cleared. 

I should have already received this bonus for being a loyal patron of Citibank and meeting all the requirements put forth by this promotion. Instead, I am being met with fraudulent accusations and deceptive offers.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Credit card or prepaid card

Capital One charges interest on the month when you miss a payment and then subsequently also charges internet on the next month even if you paid the previous month and also pay the next month in full on time. Ive just discovered this after almost 10 years of being setup on autopay to pay the balance in full every month where occasionally theres an issue with the payment I automatically get charged XXXX XXXX of interest regardless of payments being made on time and in full. This seems extremely unethical and I must request that this be investigated against consumer protection.
Product: Credit reporting or other personal consumer reports

This matter concerns a dispute regarding a collection account reported on my Experian credit report by XXXX XXXX XXXX. I contend that Experian has failed to properly investigate my dispute concerning this account. Notably, XXXX, another major credit reporting agency, has already removed this collection account from my credit report following a thorough investigation. It is important to recognize that credit reporting agencies, including Experian, XXXX, and XXXX, typically receive the same information from data furnishers such as XXXX XXXX XXXX. 

XXXX XXXX XXXX is falsely reporting late payments on the collection account, thereby falsifying the date of last activity. This manipulation prevents the account from aging off my credit report within the statutory timeframe, artificially prolonging its negative impact on my credit score. This practice constitutes a violation of the Fair Credit Reporting Act ( FCRA ) by disseminating inaccurate and misleading information. Furthermore, this conduct directly contravenes 15 U.S.C. 1681s-2 ( b ) of the FCRA, which mandates that furnishers of credit information, such as XXXX XXXX XXXX, employ reasonable procedures to ensure the accuracy of the information they provide to credit bureaus. 

The Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Experian for various violations of consumer financial laws, including the FCRA. This ongoing litigation underscores a pattern of disregard for consumer rights and the critical importance of accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to my credit reports with XXXX, equifax, and XXXX. I contacted all 3 bureaus XX/XX/2022 in regards to inaccurate information reporting to my credit reports requesting a validation of debt letter on the behalf of the invalid information being reported niether of the companies responded with a written response with proof of all accounts inaccurately reporting binding me to these accounts. I did not receive the requested information no contract or signatures and under the Fcra these accounts must be removed due to the bureaus not responding with the validated information I asked to be provided of.
Product: Student loan

I enrolled in schoo l ( UTI ) i n  XXXX  of  1986. B efore classes began I was called to the school financial aide office and was told there was an issue with my financial aide. I was then told that either I had to pay the tuition myself or drop all of my classes. I could not afford the tuition so I dropped all of my classes. I was told that when the situation was resolved they would call me back and I could reenroll in school. I was never contacted by the school again and never attended any classes there. I later found out that I had a student loan. I am protesting this and am asking that this student loan be vacated and erased.   I never used this loan and never received the money, and never attended classes.
Product: Credit card or prepaid card

I have an account with Chase credit card # XXXXXXXX XXXX XXXXXXXX XXXX. My card was stolen and I noticed multiple fraudulent charges made totaling around {$19000.00}. Some of these charges occurred at non-kosher establishments, which indicates that they were not made by me ( THE XXXX HOUSE, XXXX XXXX XXXX XXXX RESTAURANT amongst others ). I strictly observe kosher, and would not eat or take food to go that does not have certified kosher certifications. There were also large charges made at XXXX XXXX  STORES, XXXX XXXX, XXXX, and some clothing stores ) I tried disputing this with Chase explaining that I did NOT make those charges. Despite numerous calls, I received the runaround from Chase. As of now they still claim I owe them {$19000.00}. The Chase representative I met with agreed that these charges should be dropped. His contact info : XXXX XXXX XXXX ( officer ) XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX cell : XXXX office XXXX. 
I have attached a police report in which I state that everything I have stated above is true. 
as well I have attached a business card of a Chase representative that agrees with me
Product: Checking or savings account

Today XX/XX/2023, I called the bank to report a " billing error '' under the transferc act that allows me to give the instruction to the bank by phone, written or in person, specifically to open a merchan dispute. 
Trough the customer service, the denied me the right to open the claim saying the system cant send me a text message ( when I always receive from the app ) and also couldnt generate the " veryfication questions '' due the " system ''. They have many options, they asked me my bithday, my phone, address. They didnt proceed with the instruction and also told me that they cant give me an address or fax to open the dispute. Just go to the branch, something is not possible because im not XXXX resident and right now im not in the XXXX. 
So im giving trough here the instruction to open the merchant dispute for these transactions made with my debit card Master ending in XXXX : XXXX ) XX/XX/ {$950.00} XXXX XXXX XXXX XXXX ) XX/XX/ {$950.00} XXXX XXXX XXXX XXXX ) XX/XX/ XXXX  {$950.00} XXXX XXXX XXXX XXXX ) XX/XX/ {$950.00} XXXX XXXX XXXX I made those 4 purchases on the store, but they didnt have on stock the smartphones to give it to me at that moment, so they will send it trough XXXX to my home, and must be received on XX/XX/. The order never arrived, and I tried to call them many times to ask about this issue, request the tracking number or have a refund. I cant go to the store in persone because im not on that city any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, Equifax released a statement regarding false information on credit report that have affected millions. I am one of the affected and injured. 

Congress made it clear that you assumed this role as a consumer reporting agency and a financial institution ; I never gave my permission to do this. 

Equifax did not exercise their grave responsibility. 
They were unfair and partial and my privacy was not respected and violated. 

Because of this, I demand the following changes to my credit report : All documentation, on and off the record, of my account be forwarded to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name corrected and all other errors deleted. 
Address corrected and all other errors deleted. 
Statement about current address removed that it is suspicious. 
All derogatory reports removed. 
XXXX XXXX paid in full without any late payments.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an inaccuracy regarding one of my accounts. According to the report, there were three late payments on an account that was consistently paid on time. It's imperative that consumer reporting agencies maintain complete accuracy in their reporting. Attached to this complaint are copies of my credit report for the following dates : XXXX XXXXXX/XX/XXXX, and XX/XX/24. I kindly request an investigation into this matter and ask for verifiable evidence to support the claim of late payments. If no such evidence can be provided, I urge you to promptly update the records to reflect the timely payments made. Your prompt attention to this issue is greatly appreciated. Thank you.
Product: Student loan

During the loan application process with Sun Trust bank, the lending rate was revealed towards the end of the application process and was over 10 %! I never completed the loan application when I saw the rate. I was tricked into nearly completing the entire loan process before the rate was revealed. When the rate was revealed, I stopped the process, did not submit the application.

Sun Trust took my information and opened an account which was revealed on my credit report. When I contacted Sun Trust bank they said they would close the account. 

This is similar to the XXXX XXXX debacle where a bank is opening an account under the customers name without approval. 

AVOID SUN TRUST BANK. DECEPTIVE PRACTICES!
Product: Credit reporting or other personal consumer reports

Transunion fails to remove a double reporting of the SAME account which XXXX says it is the same but because the card was changed they can not do anything. XXXX is not helpful because this is an error with the bureau. I am being bounced all over and I have proof it is a mistake. 

I have emails, 2 other bureaus and even a correct transunion but there is a second one added in XXXX  which was 3 years later it reported several late payments which I disagree with, it even says pays as agreed, XXXX balance opened same day every detail is the same on the newer duplicate yet the elder is correct & reflects like the other two bureaus.
Product: Debt collection

On XX/XX/2023 got a phone call from a lady claiming to be a lawyer. She told me an order of location has been submitted and county officers were on their way. Soon after she called my wife and mother from number XXXX. She gave me a number to call with a reference that number was XXXX. That guy said he was working with sunshine loans to settle a debt. And pending legal action was taking place.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on Equifax, XXXX  and XXXX XXXX respectively. 
XXXX ) The original creditor must delete the prior-payment history completely. 
XXXX ) A date certain must be stated as to when the credit tradeline can be removed. 
XXXX ) The charge-off status must be deleted permanently. 
All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX
Product: Credit reporting

I am continuing to have problems in getting a public record removed from my experian file with XXXX XXXX Clerk XXXX. XXXX continues to claim that they are verifying the Judgement through Lexis Nexis even after I received confirmation fro Lexis Nexis on XXXX XXXX that the Judgement was removed.Please find letter attached. I need lexis nexis to contact XXXX and send them an update of the judgement being removed from my lexis nexis risk file.