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

I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$3600.00} I believe it was reporting in error, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor
Product: Credit reporting or other personal consumer reports

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ XXXX XXXXXXXX XXXX  associated with XXXX for the month of XX/XX/2023, XX/XX/2023 & XX/XX/2023, XX/XX/2023 and XX/XX/2023 ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Checking or savings account

I opened an account with BBVA Compass in early XX/XX/XXXX. The sales representative offered a {$200.00} rebate within 3 to 4 weeks of the first direct deposit. It is now XX/XX/XXXX, I went back to the bank, and now the terms and conditions state that it may take 120 days to credit the account. The sales person sold me the account under false pretenses in order to get commission and my account has not been credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I mailed a certified letter to Equifax ( USPS tracking number XXXX-delivered on XX/XX/21 ) demanding that the only information on my credit report should be my current address. I just looked at my report and noticed they have an erroneous address listed along side my current address. IT NEEDS REMOVED IMMEDIATELY. Why are they not following the FCRA? This request was made due to me being involved in numerous data breaches and concerns of identity theft. I will attach my letter sent to them, the erroneous address showing on my report, and the confirmation the letter was sent via Certified Mail and delivered. My " formerly known as '' name is also erroneous and needs immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, LexisNexis is showing on my XXXX report the following Items that I have previously contacted them about in XX/XX/XXXX. Today on XX/XX/XXXX I ran a quote with XXXX XXXX XXXX and they are using this information against me to increase my insurance quote. These Items don't belong to me and I returned a highlighted copy of my report with my social security card and all related information. I got a confirmation from LexisNexis but this information is still being reported. This is impacting me financially on a daily basis as I have to pay higher out of pocket costs to be insured. 

Accident on XX/XX/XXXX Listed on XXXX XXXX XXXX  over {$1000.00} on XX/XX/XXXX Listed on XXXX XXXX XXXX   {$1000.00} or less on XX/XX/XXXX Listed on XXXX XXXX   XXXX {$1000.00} or less on XX/XX/XXXX Listed on XXXX XXXX XXXX {$1000.00} or less on XX/XX/XXXX Listed on XXXX XXXX XXXX {$1000.00} or less on XX/XX/XXXX Listed on XXXX
Product: Credit reporting or other personal consumer reports

Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2022 Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 


I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. 
I am seeking the immediate removal of the inaccurate charge off account from my credit report Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

XXXX, XXXX  AND XXXX ARE REPORTING NEGATIVE ACCOUNTS ON MY REPORTS THAT ARE NOT MINE. THIS ACCOUNTS. XXXX XXXX XXXX, XXXX  XXXX XXXX AND XXXX XXXX XXXX WERE REMOVED AND PLACED BACK ON MY REPORTS WITHOUT MY KNOWLEDGE, PERMISSION, APPROVAL OR NOTIFICATION. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern ; My PayPal account is being held XXXX and I am in need of assistance. Here are the facts : In XXXX, I placed an order for my fianc for a medication from oversees - the total was {$49.00}. I never received the order and started to call the company requesting a refund. On XX/XX/XXXX, I called and requested a refund. On XX/XX/XXXX, I received an email that a refund was being processed. On XX/XX/XXXX, this company send me XXXX separate payments - not for good, not for services, not for anything other than a refund. 

I then was quickly notified that my account was being held and that all funds would not be available for 6 months. This is not acceptable. I did nothing other than receive a refund from a company being shady. 

I have been trying to relay this information to a multitude of representatives since then and keep getting told that all I need to do is send in the information related to this company, the order and the refund. I have sent everything via screenshots and today was told it doesnt look good for you. Doesnt look good is not acceptable when your company is holding funds that are from a legitimate XXXX  sale. 


Again, I am not asking for anything other than to release the funds that are rightfully mine. 


Sincerely, XXXX XXXX Paypal ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a charge off account with XXXX  and Experian for months. I have even given them a letter from the creditor on their letter head stating what social number they have on file for this person with the same name as mine. They still are saying this doesn't meet their criteria to remove it off my report. I asked what is the criteria and the response is they can't provide it to me. 

What else can I do to get them to remove this negative item?
Product: Debt collection

I have obtained XXXX XXXX XXXX XXXX, offered by TD BANK, N.A approximately a month ago, for the purpose of making a  XXXX product purchase. Shortly thereafter, I've received from TD BANK, N.A the attached privacy notice, which in summary says they will share my personal information with 3rd parties for  marketing and other purposes, unless I instruct them NOT to do so, by calling the phone number, listed on the attached notice. Until this day, TD BANK, N.A had failed to pick up their phone - I have called for 3 weeks straight, every day, using the number provided and 2 more general TD BANK, N.A phone numbers for customer service and account management. I've waited HOURS on hold each time, with some calls lasting over 4 hours only to be disconnected by TD BANK, N.A at the end, without picking up. By failing to EVER pick up their phone TD BANK, N.A disallows me to-opt out from sharing of  my personal information by them, even though according to federal and California privacy laws I have a right to limit the sharing. This is violation of my privacy. 


Additionally, I attempted to register for XXXX XXXX online account, provided by TD BANK, N.A as instructed by email XXXX and TD BANK , N.A . The registration failed due to programmatic issues and site design oversight. As a result, I'm not able to access, view any of my personal or financial information, associated with my TD BANK, N.A account, and also unable to view or pay any bills. As stated above - I had been calling TD BANK, N.A 's customer service and other TD BANK, N.A numbers FOR WEEKS, every day, but TD BANK, N.A is failing to answer any of its  calls and remains completely inaccessible to me, its customer. 

I request CFPB 's help to STOP TD BANK, N.A from abusing my personal information and to penalize TD BANK, N.A for making itself completely unavailable to its customers to both, exercise privacy choices and handle issues, related to TD BANK, N.A account, including reviewing and paying bills.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ), as codified in 15 U.S.C. 1681 et seq. I assert that XXXX, the primary credit reporting agency, and its partner, XXXX XXXX, have failed to provide accurate and truthful reporting of my credit information, which led to the wrongful denial of credit by Apple Card ( Goldman Sachs ). The denial was based on a materially inaccurate credit score discrepancyspecifically, a variance of approximately XXXX points between the credit score reported by XXXX and the one used by Apple Card ( Goldman Sachs ) to deny me credit.The actions of XXXX, XXXX XXXX, and Apple Card Goldman Sachs are in violation of several provisions within the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy, completeness, and fairness of consumer credit reporting. Specifically : 15 U.S.C. 1681e ( b ) / 15 U.S.C. 1681i / 15 U.S.C. 1681m / 12 C.F.R. 1022.43 The wrongful denial of my credit application due to the inaccurate credit reporting by XXXX has caused me to lose all trust in the accuracy and integrity of the information reported by this credit reporting agency. Given the severe discrepancies in my credit score and the lack of resolution to my dispute, I can no longer rely on XXXX to provide accurate or trustworthy data. This experience has led me to question whether my XXXX  score, or any other score provided by XXXX, is calculated correctly or with fairness. 

In light of this situation and the ongoing harm caused by the mishandling of my credit report, I not only demand compensation for the damages incurred but also demand that XXXX immediately adjust my credit score to XXXX. This is necessary to restore my confidence in their reporting system and to compensate for the inaccuracies that have unfairly impacted my creditworthiness. Until this adjustment is made, I will remain unable to trust XXXX or its reported data in any capacity.
Product: Student loan

In XXXX, just after some loans were consolidated, my monthly payment did not post to my loan. The charge went through to my bank account in the expected amount ( on auto-debit ), but it never showed up in MOHELA. Here 's the timeline : XX/XX/XXXX - Debit went through bank account ( on auto pay ), payment not posted on loan. XX/XX/XXXX - I called MOHELA for the first time, and the rep said to give it a few more days. I downloaded a bank statement showing the debit. XXXX - I called MOHELA again, spoke to another rep, and uploaded the bank statement. The rep said it might take 30 days to " find the payment ''. I canceled auto pay until things were straightened out. XX/XX/XXXX - I made the XXXX payment manually, and it posted correctly to my account. XXXX - I called MOHELA again. The rep confirmed that they have my bank statement, and are still looking into the missing payment. The rep offered to set up forbearance retroactively for the month of XXXX, so my accountwould no longer show past XXXX - XXXX received a letter denying forbearance, because the XXXX payment showed that it wasn't needed. XX/XX/XXXX - I made a manual payment, which posted correctly. XX/XX/XXXX - Still showing past due balance on account. I submitted complaint online asking for reference number for investigation into missing payment. I also requested a history of my recent loan payments. They provided me with a reference number for the ticket ( # XXXX ), and with the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

With Experian, I received notification that my FICO score decreased 52 points due to a mortgage late payment from XXXX/XXXX. I disputed the matter as I had paid off the mortgage. Experian confirmed my dispute and corrected the report in 10 days, however, they only restored 48 of the 52 FICO points. There were no other factors that would have had an impact on the credit score.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system.
Product: Debt collection

This company Penn Credit Corp is calling me multiple times a day from multiple States with different phone numbers trying to collect a debt for XXXX XXXX who has been informed multiple times ( Police report, FTC Report etc. ) that the account is the result of ID Theft and is therefore XXXX XXXX is in violation of FTC Rule 605B.
Product: Debt collection

Despite over twowritten requests, the unverified items listed still remain on my credit report in violation of Federal Law.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, made a purchase at XXXX paying with PayPal. 

PayPal advertises Return Shipping on Us XXXX XXXX XXXX XXXX XXXX Through this program, PayPal reimburses return shipping costs if they are not free or provided by the merchant. 

I need to return the purchase made at SupplyHouse.com. They do not offer any free return, I have to pay for the return shipping costs. 

Therefore, I tried to use PayPal 's Return Shipping on Us benefit, and I could not initiate the process. In different computers ( home and office ) the screen does not load properly, there are empty boxes and blank spaces where a text should be ( attached ). It is clearly an IT issue, a bug in your system. 

I contacted PayPal customer service and then was transferred to a so-called specialist signing as XXXX. This person asked for sensitive information like full transaction detail, then I was asked to open the Terms of this benefit and was told I am not eligible. This so-called specialist is totally uninformed and poorly trained, and does not understand how this benefit works. This representative said that because XXXX has a Return Policy, I'm not eligible for this benefit at all. This is absolutely incorrect because this benefit is about covering return shipping costs, and not about accepting or not a return. This benefit covers return shipping cost when merchant does not provide free return. 

It is very poor service, coming from a so-called specialist. If this is the kind of specialists PayPal have, I can't imagine what else can be wrong at this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have tried, to no avail, to dispute my fraudulent accounts to Equifax. I have repeatedly ( 4 attempts ) provided them with all the necessary documentation including my Identification card ; social security card ; police report ; FTC affidavit ; and a notary attesting to my identity. They still refuse to abide by the FCRA by blocking within 4 days information reported resulting from identity theft. They simply continue to report the fraudulent information. 

According to the Fair Credit Reporting Act 605B Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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
Product: Credit reporting or other personal consumer reports

Bank Of America is reporting old outdated information that its more than seven years old on my XXXX credit report. 
When I was in a forbearance pre-modification in XXXX, pre-covid. 
I was making my forbearance payments and Bank Of America continues to report derogatory information on my credit report with XXXX. 
That is more than seven years old also.
Product: Credit card or prepaid card

I'm having issue due to covid I called to get some help and XXXX XXXX, said she couldn't pull up my information to help me because she's having system issue. When I asked for a call back she said she couldn't do that I will have to keep to check when the system is back up and running to get help. I was able to speak to XXXX agents prior that was able to pulled up my information and try to help me. But with XXXX while I was on the phone with her as soon as I mentioned I need help due to covid, I couldn't get help when the automated system was working perfectly. While on the phone with her trying to get help, she said she couldn't help me I'll have to call back when I asked for a call back she said she couldn't do that neither and she hang up the phone and said have a good. She wasn't helpful at all, she make me feel less than a customer, she didn't seem like she wanted to help me at all. 
XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Cathay Bank sent me a check book and a debit card for an account I did not open. The account has monthly fee. 

I had a closed account with XXXX bank in XXXX, who sold their XXXX business to Cathay Bank since XXXX, which has reopened that account in my name without my consent. 

The customer support line of Cathay Bank is not responding after XXXX hour wait.