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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Mortgage

XX/XX/2023 - tried to access my account online. Told they were switching to a new website. Was not warned and was blocked from accessing my account information until the XXXX. 
XXXX Registered with their new account, was unable to access any statements or other documents. Called to find out what was going on. Waited on hold, was told to put in my number and they would call me back. Not sure if they called me back but received a phone call that rang once and hung up. 
XXXX Applying for a HELOC, but can not because I still do not have access to any of my statements online. Called again, no answer. Automated message said they couldn't answer the phone.
Product: Credit reporting or other personal consumer reports

My account with NAVY FEDERAL CR UNION was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 - 90 DAYS to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


NAVY FEDERAL CR UNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

A primary account holder added my name and information to a XXXX XXXX XXXX  with my consent or knowledge at the end of XXXX. They then used that XXXX XXXX  to rent a car using all my personal information, again without my consent or knowledge. There is a charge of approximately {$1300.00} initially for the car rental. I have contacted XXXX  who removed my name and personal information from the account and provide me with the letter stating that this action was taken.
Product: Bank account or service

I have opened a checking account with Chase bank in XXXX, CA on XXXX/XXXX/16 ... I deposited about {$9000.00}. Then i received a letter from Chase, dated XXXX/XXXX/16, that Chase decided to close my account, suggesting me to wthdraw my money and stop any automatic recurring payments.. The letter didnt specify the reason, i called the phone number on the letter, spoke with the representative, as well as the superviser, however, they didnt give me no explanation regarding why my account was closed ... They said " we have the right to close accounts, with no reason '' .as a customer, i need to know why? Please help me to clarify.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support, I hope this letter finds you well. I am writing to submit a formal complaint regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been made in error, as I have not violated any of PayPal 's policies or engaged in any suspicious activities. 

Firstly, I would like to emphasize that I have been a loyal PayPal customer for [ number of years/months ] and have always conducted my transactions in accordance with your terms and conditions. I have never been involved in any fraudulent activities, nor have I violated any of PayPal 's policies. It is disheartening to find my account permanently limited without any explanation or opportunity to rectify any perceived issues. 

Given my adherence to PayPal 's policies and my clean track record, I kindly request that PayPal re-investigate my case thoroughly. I believe that there may have been a misunderstanding or an error in the decision to permanently limit my account. I urge you to carefully review my account activity and transactions, as I am confident that you will find no evidence of any policy violations or suspicious behavior. 

Furthermore, I would greatly appreciate it if you could restore my PayPal account if the re-investigation reveals that the initial limitation was indeed unwarranted. As a long-standing customer, I value the convenience and security that PayPal provides XXXX and I would like to continue utilizing your services for my online financial transactions. 

I understand that PayPal prioritizes the safety and security of its users, and I commend your efforts in maintaining a trusted platform. However, I respectfully request that you reconsider the permanent limitation imposed on my account and restore it to its original functionality, allowing me to resume my normal activities on PayPal. 

I have attached any relevant documents or evidence that may assist in the re-investigation of my case. If there are any additional materials or information that you require, please do not hesitate to contact me at the provided email address or phone number. 

I sincerely hope that PayPal will give due consideration to my appeal and undertake a comprehensive review of my account. I trust in PayPal 's commitment to fairness and rectifying any erroneous actions, and I eagerly await a favorable resolution to this matter. 

Thank you for your attention to this complaint, and I look forward to your prompt response. 

Yours sincerely, XXXX XXXX
Product: Credit card

According to the T & C of the Chase World of XXXX credit card : " As a one-time bonus each calendar year, you, as the primary cardmember, will earn a Category 1 through 4 Free Night Award after you spend {$15000.00} in purchases. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase ; however, the following types of transactions wont count : balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. '' The total of all qualifying transactions on the card in 2023 was {$15000.00}, which means a Free Night Award should be issued. However, in discrepancy with the transaction report downloadable from XXXX XXXX XXXX XXXX XXXX, the account management team calculated the total of qualifying transactions by wrongly deducting transactions which were adjusted after qualifying for an offer. These transactions, totaling {$33.00}, belong to " buying products and services '' and not the " types of transactions '' including " balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable ''. These transactions should not be deducted as they are qualifying transactions according to the T & C of the card. Chase refused to correct the mistakes in their calculation and refused to honor the Free Night Award.
Product: Credit reporting, credit repair services, or other personal consumer reports

Square INC and or its subsidiaries and banks have maliciously put my business name and my name/social security number on the MATCH/TMF list, hence marking myself and or my business XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX blacklisted from obtaining a merchant processing account. 

I do have knowledge of my previous SQUARE INC account under the email address of XXXX ; where a foreign imposter gained access to credit card processing and attempted to process several fraudulent credit card transactions. These fraudulent transactions were unknown to me until after they had occurred, furthermore, now I am blacklisted I have a business where I potentially can bring in {$28.00} Million in credit transactions per year but I am being blocked from doing so. I never intend to ever do business with SQUARE INC since this egregious action by SQUARE INC was committed. 

Hereby the legal team at XXXX XXXX and its executive officers DEMAND SQUARE INC remove me, and all companies from the MATCH/TMF list promptly. This will be the final warning before federal litigation will occur. 

/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I went online and made a payment to my American Express credit card account in the amount of {$3800.00}. The funds were taken out of my account by ACH on XX/XX/2023. I received my next statement for XXXX and XXXX XXXX payment was reflected as received. I received my next statement for XXXX  with no mention of the {$3800.00} on it. Now, on XX/XX/XXXX I get an email from American Express saying there is a problem with your account and they have not received the {$3800.00}, two months after they received the payment. American Express did a three-way call with my bank who assured them that the funds had come out of my account and were never returned. I have called American Express multiple times and can not get it resolved. They keep saying it was returned but it was verified by my bank that it was not returned. American Express has been horrible to deal with and I am at a loss as to where to go from here. We have had this account for over 30 years with no issues. I always thought American Express was the safest credit card to use but I was terribly wrong. I am in desperate need of help to resolve this issue.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX # XXXX 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. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

This debt collection agency has been contacting me since XXXX with mail being sent to my house and calls every single week since. In XXXX i paid them for the collection i owed on the medical debt. Then in XXXX they added another charge, then in XXXX they added another charge with amounts higher then what i actually owed the hospital ( {$200.00} ). As of right now they have added two accounts of medical debt to my credit report and i think they are about to add a third. They have harassed me non stop and keep on adding debt. I received another call today where I told them to stop harassing me and said its against the law and the lady on the phone said no its not. I just want this debt cleared and off of my credit
Product: Prepaid card

I tried to withdraw {$400.00} from the atm located at XXXX XXXX XXXX  XXXX XXXX XXXX Illinois on XX/XX/XXXX didnt any money dispensed but it was taken out of my account a filed a dispute on XX/XX/XXXX claim number XXXX they told me I had to wait 60 days before I could get my money back until the investigation is over that it was a business account and a provisional credit didnt apply I am a single mother and have XXXX kids i can not wait 60 days to get my money back this card is protected by the cusumer protection law where a provisional credit do apply please help get my money back all my bills are past do do to this rather its a business account or personal account you still have to use the atm to withdraw or money
Product: Debt collection

I sent a request to XXXX and XXXX about this debt with Jefferson Capital Systems for XXXX. I have not had sprint for over 20 years and the debt was paid under a bankruptcy. They have put this on both reports from XX/XX/2024 as if this is a new debt. Please help
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX my account was hacked and used to send themselves {$150.00}. I contacted cash app and they told me I had to go through my bank. But they gave my money away to a fake account. I requested a refund as soon as I got the notification that the person received the money. Everything was denied. I changed my password on the XXXX XXXX XXXX XXXX After no action through cash app I sent another refund request on XX/XX/XXXX XXXX XXXX XXXX still no results. Finally I just stopped using their services. I filed an identity theft report on identity theft.gov. Purchased a new device and didnt use them again until XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I demand a removal of XXXX XXXX XXXX - Account # : XXXX. This was reported incorrectly on my file.
Product: Checking or savings account

I can not get Merrill/Bank of America to change my address on my account. In XXXX I discussed this with them using online chat. Subsequently, I mailed a request with supporting documentation to the address I was provided in the chat session. They failed to respond and I received account information including tax information late because it was forwarded from our previous address. I followed up with another written request ( letter ) in XXXX requesting a response confirming the change of address. At this point, no response has been forthcoming and I need assistance getting this promptly and properly resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware after disputing things with the credit bureaus that the information was / is on my credit reports and should be removed especially when the New Credit Act of XXXX states in section 401 that these should be removed when no contract exists. Please assist! Theres also student loan data and inquiries that need corrected! 

XXXX - {$630.00}, no contract XXXX - {$240.00}, no contract 10 Missed student loan data to be reversed per new law DeptedXXXX 10 Missed Students loan data to be reversed Inquiries To Be REMOVED I didnt Authorized by way of contract XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX - no contract XXXX - no contract Inquiry from XXXX XXXX XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX I - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX  XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX Accounts : XXXX XXXX XXXX XXXX late payments - Account number - XXXX Negative data to be reversed *XXXX XXXX  XXXX data to be reversed Account XXXX Student Loans : DEPT OF EDUCATION/XXXX {$40000.00} Negative data to be reversed DEPT OF EDUCATION/XXXX {$60000.00} Balance updated XX/XX/XXXX XXXX late payments - negative data to be reversed Collections : {$630.00} - no contract XXXX XXXX XXXX - no contract {$240.00} Dept Of Ed/XXXX - student loan data to be reversed 10 Missed Dept Of Ed/XXXX  - student loan data to be reversed 10 Missed Collections XXXX - {$630.00} - no contract Inquiries To Be REMOVED I didnt sign agreement XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX XXXX , - no contract Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized credit inquiries listed on my credit report. Upon reviewing my recent credit report, I noticed several inquiries that I did not authorize and which are negatively impacting my credit score. These inquiries are as follows : Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> I am concerned that these inquiries are fraudulently affecting my credit rating. I have never given permission for these entities to access my credit file, nor have I conducted any business with them that would necessitate such inquiries.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX BANK 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Product: Credit card or prepaid card

I opened an account with Maurices on XXXX. I made a small purchase. I never received a bill, or an actual credit card. In XXXX, I went to the store and they were able to access my account, and I paid the balance I owed. I completely put the problem out of my mind. I noticed on XXXX that my credit report shows a past due balance of {$100.00} even. I called the credit card company, they said it was their error, and they would remove it from my account immediately. I filed a dispute through XXXX, and they still show I owe the {$100.00} balance. I owe nothing to this company, and it shows a negative mark on my credit report.
Product: Debt collection

CARTER-YOUNG ( Original Creditor : XXXX XXXX XXXX ) {$4100.00} I NEVER BEEN IN THIS PLACE! I NEVER GET ANY APARTMENT.
Product: Credit card

On XX/XX/XXXX I paid {$420.00} to XXXX for XXXXXXXX XXXX work for my dog. This was to be provided within XXXX weeks, then a follow up visit would be conducted so a XXXX XXXX could be established for my dog. XXXX XXXX XXXXXXXX on XX/XX/XXXX, but no XXXX XXXX was received and as a result no follow up visit was performed. I attempted multiple times to obtain the services I paid for. Once it became clear that I would not receive the services, I asked for a refund. That was also not given. I then filed a dispute with American Express stating that I did not receive the services. A digital reprint of a receipt was provided where I used my Amex to pay {$420.00} on XX/XX/XXXX ( which making the payment was never part of the dispute ) and a copy of XXXX XXXX XXXX policy. No proof was ever provided that I received the services that I paid for, yet American Express allowed this charge to stand and stated that I am responsible for the charge. Simply put, I paid money to XXXX XXXX American Express for services they never provided I have spoken to multiple agents from American Express who are allowing the fraud against me to take place and are failing to protect me from fraudulent business practices by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over 49 letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender XXXX XXXX XXXX XXXX ) I would like have XXXX XXXX XXXXXXXX blocked and removed from my file i request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party This is account. This should not be reporting on my account. I have no knowledge of this. Please remove immediately. I have attached drivers license, Social Security, card, and proof of address