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

I presented to Experian a dispute that will be attached to this complaint. Experian sent me a letter asking me to identify myself and present to them a copy of identify theft report that was filed with the Federal Trade Commission, who is a federal law enforcement agency. I am submitting my identifiable information with this complaint as requested by Experian. I asked Experian to provide on numerous occasions asking you to validate the validity of the accounts that are reporting on my consumer report. After each contact, your company has noted these accounts have been verified and updated on my consumer report. Your company has refused and or failed to provide me with your investigation process. By law, you are required to investigate anything that is furnished on my credit report. I have requested for the method ( s ) of verification of the investigative accounts and how did the company come to the conclusion that these accounts are accurate? Congress found in the congressional findings that you are using an elaborate mechanism to determine my credit worthiness that is unfair and undermines my due diligence to extend my credit. After further research, CFPB released an article in detail that proves this company has not properly handled consumers disputes because proper investigations were not conducted extensively. With Experians misconduct, this has caused a strain on my personal life and has caused me hardship with extended my credit. Furthermore, I NEVER consented to this information being furnished and this infringes upon my right to privacy as a federally protected consumer. I am demanding this information be taking into consideration and these alleged accounts will be deleted from my consumer credit profile that you continuously updates. I will escalate this and hold Experian personal liable for their deception. Experian is ruining my reputation as in direct violation FCRA 15 USC 1681
Product: Checking or savings account

I am writing to express my deep concern and frustration regarding an issue I am currently facing with my Bank of America account. I believe it is crucial to bring this matter to your attention for swift resolution and to ensure the integrity of my banking experience. 

On XX/XX/27, I visited the XXXX branch of Bank of America to address a situation related to a {$2200.00} money order purchased from XXXX XXXX. The money order was initially intended to cover my rent, but due to a change in my rental company 's policy, I needed to return the money order to my account. Following the guidance of the Bank of America staff at the branch, I made the necessary adjustments to the money order, replacing the rental company 's name with my own, and was assured that the funds would be deposited without any issues. 

Upon returning home, I received a call from the Bank of America fraud department for verification purposes. I provided the necessary information, explained the situation thoroughly, and was assured that everything was in order. I was told my funds would be available the next day. 

To my dismay, I discovered that my account had been frozen, and the funds from the money orders were placed on hold. Confused and alarmed, I immediately contacted Bank of America customer service to seek clarification. Despite speaking with XXXX Bank of America employees previously who confirmed that everything was in order, I was informed that my account was now under investigation, and I would have to wait to call back in XXXX hours for some type of update. This delay poses a significant challenge for me, as I urgently need access to my funds to fulfill financial obligations, including rent payments. That being said, I had asked if this would affect my paycheck coming through the next day, and they stated yes since that specific account is under investigation, and I now have no money for an unexplained amount of days. 


In times of distress, I had hoped for a more compassionate and understanding response from the Bank of America customer service team. Despite my appeals for assistance, I have been met with procedural delays and uncertainty about when this matter will be resolved. Regrettably, the customer service representatives I spoke with were not able to escalate the issue or provide a satisfactory resolution. I am left with no options to unfreeze my account promptly or receive any form of assurance that this matter will be resolved in a timely manner. 

I want to emphasize that I am not merely an account holder but also a parent responsible for XXXX children. The current situation, which inhibits my access to funds required for essential living expenses, goes beyond financial inconvenience. It directly impacts the well-being of my family and places unnecessary stress on our daily lives. 

I understand the necessity of investigations to ensure the security of accounts ; however, the impact on my financial well-being is substantial and causing financial stress and harm instead of protecting.
Product: Credit reporting or other personal consumer reports

I have contacted Experian multiple times regarding an inaccurate bankruptcy that is showing on my credit report, I have asked them to please remove the inaccurate information, they replied back and said that it was verified with XXXX XXXX which IS NOT TRUE. I AM ATTACHING DOCUMENTATION FORM XXXX XXXX SHOWING TAHT THEY DO NOT AHVE A BANKRUPTCY SHOWING IN THEIR SYSTEMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

ITS NOT MY ACCOUNT, SOMEBODY USED MY PERSONAL INFORMATION, I DON'T RECOGNIZE IT, I WAS VICTIM OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts I have made to rectify fraudulent items on my credit report. Despite my persistent efforts to address this issue, the fraudulent information continues to negatively impact my credit and is in violation of the Fair Credit Reporting Act. 

To provide a comprehensive overview of the situation and the extensive actions I have taken : I discovered several items on my credit report that I firmly believe to be the result of identity theft or fraudulent activity. 

Initial Dispute : Upon discovering these fraudulent items, I immediately filed a dispute with your agency. I submitted all necessary supporting documentation and evidence to substantiate my claim. 

Following the initial dispute, I have requested reinvestigations of the disputed items multiple times. 

I have made numerous follow-up attempts through written letters, emails, and phone calls to your agency, seeking updates on the status of my dispute and the progress of the reinvestigations. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, my dispute has not been resolved within this timeframe, which is a clear violation of my consumer rights. 


Initiate a thorough and immediate investigation into the fraudulent items on my credit report as required by law. 

Furnish me with a written response detailing the results of your investigation, including any actions taken to rectify the fraudulent items. 

Promptly Remove Fraudulent Items : If it is determined that the items are indeed fraudulent, I insist on their immediate removal from my credit report. 
Ensure that your agency complies with all relevant laws and regulations, including the Fair Credit Reporting Act. I am asking for your assistance to remoce the fraud items : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} COMM XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear SYNCB/PPC, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent. 

It has come to my attention that SYNCB/PPC has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Section 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law.

I assert that I have not provided any consent to SYNCB/PPC to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law.

I demand that SYNCB/PPC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting SYNCB/PPC to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California.

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected.

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION LISTED IS NOT ACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
2. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
3. XXXX XXXX, Account # XXXX, has violated my rights. 
4. XXXX XXXX, Account # XXXX, has violated my rights. 
5. XXXX XXXX, Account # XXXX, has violated my rights. 
6. XXXX, Account # XXXX, has violated my rights. 
7. XXXX XXXX, Account # XXXX, has violated my rights. 
8. XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Barclays Credit card. Now that I have paid my balance off I make payments right away for any charges. Since I've begun to do that they have put a hold on my payments to make sure they " can clear '' from the bank instead of applying them immediately as they always have in the past. It makes no sense at all.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was notified by Venmo that my account was suspended. They asked me to provide my ID, which I did. XXXX days later, I received this response : " While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your account, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help ensure that Venmo continues to be a safe way to make payments. '' They have provided no explanation as to what policy I have violated. I read through all the terms and conditions and I haven't broken any laws or rules. Their customer service team will not interact with me. They said I can only interact through the permanent suspension email. I believe my account should be appealed and reinstated, however I can't speak to anyone in regards to this. I've been a customer for over a decade and they just randomly ban my account- this is how I pay my bills and exchange money with friends. I am beyond frustrated that they aren't willing to have a conversation to resolve this.
Product: Credit card

Wells Fargo, a big bank on which one could place the designation " too big to fail '', is actively engaging in fraud, and getting away with it. Since XX/XX/XXXX, they have claimed not to have received one of my monthly payments, and since have placed fraudulent charges and late fees on my card, month after month, though I have always made my payments on time. I have provided them with a XXXX page documentation of my payments, and made clear what is incorrect. However, they have done nothing except continue to engage in fraudulent activity with my account, and call asking why I have n't paid for it. It is destroying my credit, and putting me into a hole from which I will have to recover straight out of college. It is not fair to young people ( or anyone else, for that matter ) to be deceived by the banks that are " too big to fail '', and have their futures tarnished by a mistake which was not their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from TransUnion, XXXX  and XXXX. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s ) would be removed but, TransUnion, XXXX  and XXXX has failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries removed.
Product: Credit card or prepaid card

I applied for and received a Citibank double cash credit card. On Saturday, XX/XX/2021 I was having difficulty setting up and using the Citibank online site. A phone number was provided by the site for assistance. I called the number, and a representative asked multiple questions about the account and about my information. He then said that he was going to generate a 12 digit number and I was to call a phone number he gave me and give them this number to fix my account. I called, and a prerecorded message about a mental health facility came on. I hung up. I then was notified that a charge of {$0.00} was added to my credit card from a XXXX  site. I had not incurred this charge and filed a dispute. I then called the phone number on my credit card to verify that the original number I called from the website was a legitimate Citibank number. I was told that the original number I called was indeed a Citibank call center. However, the agent told me that the other phone number the agent had me call was not a Citibank number, and she also told me that the twelve digit number was not something citi bank did. I knew at this point that the original agent had set me up for a scam. The new agent on the phone closed my current card and reissued me a new card with a different number. I was advised that the new card would arrive today by XXXX, and that this should solve the problem. However, this morning ( XX/XX/2021 ) I got an email notice that a charge of {$2.00} from XXXX XXXX XXXX, XXXX  Mn was made on my account ending in XXXX. My old credit card was a different number. I have not even received the new card, let alone activated it. I called Citibank and was told, that this charge was a recurring charge and was therefore transferred from my old card to the new card. So obviously getting a new card was going to do nothing to prevent this fraud from continuing. I told the agent that I wanted to close the account permanently. She indicated that because this was a new account and wasnt completely set up yet, that she couldnt close the account. She asked that I call back on Thursday to close the account. I asked to speak to her supervisor. He confirmed what she was saying. So I told him I would not activate the new card, and I went online and locked it. I also related to him how all of this transpired after the first call to the citi agent about the website. I told him Citibank has a problem if they have scammers in their call centers. He said they would investigate. I think that Citibank has some very serious issues in their credit division.
Product: Checking or savings account

Issue Description : I receive an inheritance payment every few month to my PayPal account and this time they froze my account and wont let me access my funds until XXXX XXXX. I live off of this money it is my only income and I had a check deposited before in the same account and they didnt have a problem with it. I even called and talked to someone and told them that I was having an inheritance check deposited and told them how much it was {$50000.00}. They told me no problem. But they lied to me! I they froze my account and wont let me access my funds! I live off of this money! And they decline any transactions that try to go through and I pay my bills out of this account. All my payments are bouncing!! I dont know what to do! I may get evicted because of this too! I had one payment deposited last XXXX and they didnt have a problem with that one. Plz help me!!
Product: Vehicle loan or lease

Subject : Urgent Complaint Regarding Unethical Financial Practices Dear Consumer Financial Protection Bureau, I am writing to formally express my dissatisfaction and concern regarding an experience I had XXXX XXXX XXXXXXXX dealership. On XX/XX/year>, I placed an order for a brand-new XXXX  XXXX XXXX XXXX. The dealer quoted me a vehicle price of {$57000.00}, with a subtotal of {$57000.00}, sales tax of {$5000.00} ( 8.875 % ), and a processing fee of {$170.00}. The total amount due on delivery was {$62000.00}. 

On XX/XX/year>, I was informed that my vehicle was ready for pickup and final documentation. The sales representative advised me to provide a down payment of {$8000.00}. However, I indicated that I wished to pay the full amount in cash via a certified check. When I arrived at the dealership, I was advised to finance the purchase. Despite having {$70000.00} available, I was told by Business Manager XXXX XXXX that I could only pay {$50000.00} in cash and would need to finance the remaining balance due to dealership policy. 

XXXX XXXX assured me that financing {$50000.00} would result in a favorable interest rate, and I would only need to make one payment initially. He claimed that the interest rate would not significantly impact me, and I would be able to pay off the remaining balance in XXXX. I was directed to obtain a certified check for {$50000.00} from a nearby XXXX XXXX, which I did. 

When I returned to the dealership, XXXX XXXX presented me with paperwork, congratulated me on the financing terms, and explained that my credit score of XXXX would not result in a substantial financial impact due to the favorable terms. He wrote down that my monthly payment would be {$440.00}, and I signed the documents in good faith. 

Upon reviewing the documents at home, I was shocked to discover that the finance charge fee amounted to {$7900.00}, with an annual percentage rate of 9.70 %. The total amount of credit was listed as {$24000.00}, and the total payment over the term of the loan was {$31000.00}. This resulted in a total sale price of {$81000.00}, when the initial total amount due on delivery was {$62000.00}. 

It appears I have been misled and pressured into taking an unnecessary loan, incurring an excessive finance charge. I feel that I have been a victim of unethical practices by XXXX XXXX and the dealership. 

I request immediate assistance in resolving this matter. I seek a thorough review of my case and a correction of the finance terms to reflect the true cost of the vehicle. I appreciate your prompt attention to this serious issue. 

Thank you, Vehicle XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. The loan was open on XX/XX/XXXX. The company continues to furnish incorrect data on the credit report. The company was informed of the vehicle location. The company failed to retrieve the vehicle. Negative reporting continues to affect the credit file. XXXX XXXX XXXX was high in miles. Made company aware of Mechanical Difficulties. The company failed to return phone calls or retrieve the vehicle. The company continues to furnish information on the credit profile. The vehicle was resold, and no disposition was sent to the address. The violation of the credit reporting act FCRA and OCC, the company continues to be non-compliant., Requesting a re-investigation compliant.