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

I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent account XXXX on XX/XX/XXXX under the account number XXXX, on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, Social and government-issued ID. However, Experian failed to block the disputed item within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Experian 's failure to uphold consumer protections under the FCRA.
Product: Credit reporting or other personal consumer reports

Sending this complaint means that I am expecting a deletion from you within the upcoming 15 days as I am updating my credit reports. And I am positively anticipating such resolution to fix the negative impact brought by these fraudulent items that I listed in complaint. I also included in this complaint just like my previous complaint dated XX/XX/XXXX, the FTC Reports that I filed with reference # : XXXX, XXXX & XXXX. I really appreciate the efforts done by the Bureaus to remove some items but these items should be included in those items that were already REMOVED from my credit file. Please see the items that I listed in each Bureaus, for your reference : -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX XXXX : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -EQUIFAX -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance XXXX {$3300.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX -- -- -- -- -XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX XXXX  Balance : {$3300.00} XXXX XXXX XXXXXXXX XXXX : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXXXXXX XXXX XXXX
Product: Checking or savings account

I recently set up a business paypal account for my secondhand store. I have used it a few times for small amounts on my XXXX XXXX and website, but just recently had my account limited for no reason. They have not identified why and are currently holding my funds. 

Before limiting my account they asked for sensitive information, such as my drivers license and bank statements, then simply banned my account after handing it over. So now my business is stuck in limbo as I have transferred everything over to this PayPal account. 

I have spoken to customer service via XXXX, PayPals chat support and the phone and have not learned about what I have done wrong nor why my account is no longer accessible. As of now, they are holding my funds and will not release them, probably charging me interest in the mean time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoken to XXXX several times and a majority of the time the reps are very rude.. My last call was XX/XX/XXXX, I spoke with XXXX who claimed she was a supervisor.. I was following up on a dispute from creditor Enhanced Recovery that the XXXX   claims to have verified as a valid debt. I asked could they send me the method of verification used or any information they have that validates this debt. She told me she didn't have any and that if I needed it to get it from Enhanced Recovery. I went on to explain to her that according to the FCRA guidelines that it is my consumer right to request this information and that it is XXXX XXXX  duty to provide it to me upon request and to also report factual verified information. She got upset with me when I started quoting FCRA rules and guidelines according to the law and told me if I didn't have anything further or anything else to talk about then have a good day and hung up on me
Product: Credit card

Hello CFPB, I would like to know why banks that send you credit cards don't disclose how one can close their credit card account as easily as they open it. So banks send to the consumers letters with offers to sign up for a credit card. But they never tell consumers how to close an account. 
Why they don't have available a button under every card account to let the users close the account when the balance is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay a monthly fee for Equifax Credit Monitoring. I have tried Numerous times to get an updated credit report that Im entitled to on a daily basis ( per the agreement ). The website will not give me my report. I have called Equifaxs 800 number and spoke to people in XXXX ( totally unacceptable ) who dont have a clue and are useless. The Equifax representatives can not access my report either and they can not Determine why they cant access my credit report or why I cant do it online, Since they can not resolve the issue to get me an updated reports, I want a refund for my Credit Monitoring for 2 months and I want my credit profile fixed so that I can access future credit reports.
Product: Credit card or prepaid card

Synchrony bank closed my paypal credit card account on XX/XX/20 ( without reason ) which is the same day my rewards points were to be issued which would have amounted to {$160.00}. If the intention was to close my account why did they allow me to continue to make purchases in bad faith - no intention to honor the 2 % rewards agreement. I would have taken my business is elsewhere if I knew I they were going to stop honoring their agreement. They also never issued {$200.00} in points that they had agreed to in their online chat service many months prior- I was told to wait for several bill cycles and that I would be receiving a letter. Never recieved a letter. 
It is their right to close my account but the timing, failure to honor reward agreement, and failure to disclose a reason are in my opinion GROSSLY deceptive and nefarious practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX : XXXX ; XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX : 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.
Product: Credit card or prepaid card

I became a victim of fraud in XXXX of XXXX. Fraudulent payments were made on my credit card which later bounced and resulted in unwarranted fees and interests. Barclays agreed to issue a new card and reverse the fees and interests but was never received. 

On XX/XX/2022, a fraudulent payment of {$1300.00} was made from an unknown bank, which later resulted in insufficient fund reversal. 
On XX/XX/2022, the payment was reversed and {$1.00} finance charge adjustment was made. 
On XX/XX/2022, a resubmit payment of {$1300.00} was made, again not by me, which later resulted in insufficient fund reversal. 
On XX/XX/2022, {$39.00} return payment was charged. 
On XX/XX/2022, a fraudulent payment of {$200.00} was made from an unknown bank, which later resulted in insufficient fund reversal. 
On XX/XX/2022, a fraudulent payment of {$1100.00} was made from an unknown bank, which later resulted in insufficient fund reversal. 
On XX/XX/2022, a resubmit payment of {$200.00} was made, again not by me, which later resulted in insufficient fund reversal. 
On XX/XX/2022, a resubmit payment of {$1100.00} was made, again not by me, which later resulted in insufficient fund reversal. 

On XX/XX/2022, I discovered the issue and made a legitimate payment from my own account. 

On XX/XX/2022, I was charged {$7.00} FINANCE CHARGE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with ally  for double reporting and disputed it On all my reports XXXX XXXX just took it off again. Equifax initially removed the balance after they dropped the ball initially. They were reporting an account I had that had a sketchy payment history, so it would be view as negative. Then another account stating I owed XXXX to them. I asked for proof of debt, never got it. Informend them they were double reporting my account. They kept the one stating I owed them deleted my actual account. I complained yet again, this time they didnt delete the account but XXXX the balance. Well, Ive been fighting this on all three agencys and XXXX XXXX just deleted it this morning. I look at my equifax and it says I owe XXXX again! I came with receipts this time. This needs to be deleted off my report. They have damaged my credit and cost me tons in interest. There was a time it was my only blemish for a short period but I never got a fair shake at credit due to it and Im trying to close on my house next week and they pull this hoodwink! Attached is my one account stating XXXX balance. Along with the equifax screen shot of XXXX balance as well as XXXX  finally doing the right thing and deleting it!
Product: Student loan

I keep getting calls about a loan i no longer have. I called and requested a cal back. The return call phone number come up as spam so it gets automatically blocked. I called back several times only to be met with the automated bot which is a horror. It finally put me through twice and each time their phone hangs up. Last try, i called back someone picked up and then their phone hung up once again. What are y'all calling me for leaving XXXX 's? Y'all no longer service my account so why the harassment. I'm not understanding what's the issue. The phone system is completely XXXX and y'all know it. What do y'all want, please delete all my info from the system. It's being hoarded subjected to another data breach, delete it.
Product: Payday loan

Spotloan.com is an illegal usury interest rate scram that charges 1000 % usury interest rates # XXXX they do not have the license to charge these or make these illegal transactions. they outsourced the account to XXXX XXXX, that has consistently harassed me. ( XXXX ) regarding their attempt to collect an illegal transaction aand should be charged with elder abuse because I am XXXX years old.
Product: Credit card

I am a little confused. Between my wife and I we had two or originally three accounts with this bank for the retail store XXXX XXXX. 
Last year, we had asked them to work with us on letting us pay off a portion of the balance to avoid getting hit with deferred interest. They offered us an agreement on my particular card that we met successfully and they removed the interest as promised. 
We paid off the card. We were going through some mail and my wife found a letter dated XX/XX/year>, in reference to my card, my account. In it, it stated that after a review of my account, the bank has decided to close my account The reason listed in their decision was as below : Activity on account with Synchony Bank was indicative of high risk or failure to pay. 

What? I don't understand. I fulfilled the payment on their offer or agreement and then paid off the card successfully Why would they still close the account? I am confused and I am protesting this. I resent being labeled as high risk or failure to pay. That is not true and not what had occured.. I sincerely hope there is nothing negative on my credit report for this acccount.
Product: Student loan

I attended the XXXX XXXX XXXX College XXXX, Indiana campus and had to leave due to medical issues at the time in 2017. 
I didnt know I owed a balance of {$550.00} until later. 
The school never notified me and at that time, I did have contact with the agency and couldnt pay it until I got the money since I was jobless and had just given birth to my daughter. 
While trying to enroll at another XXXX XXXX XXXX, XXXX, I was advised I needed to pay the balance, which I tried to pay through the school, but they gave me the information to National Credit Management. 

I gave them a call in hopes if I paid, it can be removed from my credit report. I was never informed they didnt do pay-to-deletes or whatever they call it, but their manager XXXX XXXX, stated I could call the school and have it removed since I satisfied the account in full. Now me, not knowing much about credit, I went to the school and was told Im supposed to contact National Credit Management since theyre the ones who had the account. I called them and then was told through a rude customer service representative that snarled at me when I tried explaining what I was told, WE DONT DO PAY-TO-DELETES and  basically hung up on me. My issue is, why would you lie and give me hope that I could get the collection removed, when he couldve explained it from the beginning. I called and tried seeing if I could talk to him directly, was either hung up on, or having a call rep who was rude. I tried fixing the situation because if anything, XXXX couldve just been honest in the first place.
Product: Debt collection

Transworld systems XXXX XXXX at XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX  I give proper notice of move out and it was due to XXXX which is extreme unpredicted circumstance. The account balance is inaccurate, the lease clearly stated that its on month to month base and if not given proper notice Balance owed would be XXXX months rent and the fees added are excessive and dishonest activity. 
Please Verified the debt. is the actual amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the attached items, Are two accounts that I did not open, My mother opened those accounts in my name years ago and did not make me aware of them. It wasn't until I looked at my report myself and saw these accounts. I've filed three disputes however they were ineffective seeing as she used my name and social security number for these cards however they were used without my knowledge and There's not an available option for that circumstance, so i'm just trying to undo this mess
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX  Account Number : XXXX. The Last Reported amount for this account on XXXX and XXXX is XX/XX/XXXX. The Last Reported for this account on Equifax is XX/XX/XXXX. For the last two years, XXXX is showing this account has not been reporting since XX/XX/XXXX. XXXX is showing this account reporting in collections since XX/XX/XXXX. Equifax is showing this account reporting in positive payment history since XX/XX/XXXX. This is inaccurate reporting history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. There is no way to confirm which bureau is reporting correctly and which is inaccurate. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. XXXX, Equifax and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following : Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to file a grievance against PayPal Credit c/o Synchrony Bank business practices. 
I had requested an increase in credit from {$250.00} to {$500.00} XX/XX/XXXX, online with PayPal Credit XXXX I was denied increase based on a report that Synchrony Bank or PayPal had sent me, XX/XX/XXXX. The report stated that XXXX scored me at XXXX on XX/XX/XXXX. After contacting XXXX, I was informed that they do not send credit scores to anyone who requests a report. XXXX also mentioned any requests for a report, is given with current dated reports. I requested an increase XX/XX/XXXX. The denial letter was dated XX/XX/XXXX. 
I am very disappointed in PayPal Credit/Synchrony Bank online business practices. I do not understand how I can be denied an increase based on your scoring of XXXX dated XX/XX/XXXX. I have been challenged with identity theft 3 times over the past decade. My most recent attack was in XXXX. I had reported identity theft with Synchrony Bank/PayPal online in XXXX of XXXX at which time I was given a new account. I thank you for securing my account. I am working hard to maintain financial obligations and on increasing my credit score I would have accepted a denial based on current scoring and/or report but I do not accept this denial from XXXX XXXX. I, just like ALL consumers expect a safe, secure and accurate information on your websiteespecially with any online account. I, as a consumer, expect to be provided with accurate and current information online. There is a lot of cyber-attacks and scammers, as well as phishing for consumers identity. With such disappointment, I am filing a grievance against PayPal Credit/ Synchrony Bank with the XXXX XXXX XXXX , Consumers Protection Agency , and Government Online Agencies . It has been, especially, challenging contacting the right department for my grievance. Your website does not accept grievances or complaints. My only resolve is to write to a po box . I do not know if what you do is legal, but I know it is an unfair business practice. I have forwarded a copy of your response letter through to the online authorities with my grievance against PayPal Credit/Synchrony Bank . As a Consumer, I am accountable for my financial obligations. PayPal Credit onlineis accountable for fair business practices to ALL consumers. I do expect a resolution to my grievance. I do expect a response with correct information as to why my increase request was denied.
Product: Debt collection

ON XX/XX/XXXX, WE WERE HIT BY HURRICANE IRMA. OUR HOUSE WAS DAMAGED AND WERE UNABLE TO WORK FOR THREE WEEKS WE WE WERE WITHOUT POWER FOR TEN DAYS. ONCE IN THE HOUSE, IN XX/XX/XXXX WE CALLED ALL THE CREDIT CARDS TO EXPLAIN THAT OUR STATE WAS DECLARED DISASTER ZONE AND IT IS MY UNDERSTANDING THAT ALL THE CREDITORS AGREED AND ARE SUPPOSED TO GIVE YOU ASSISTANCE WITH THE PAYMENTS FOR THREE MONTHS, AS PER AN AGREEMENT BETWEEN THE GOVERMENT AND THE CREDIT CARDS AND BANKS. 
WE HAVE AN ACCOUNT WITH BANK OF AMERICA, WE CALLED THEM AND THEY AGREED TO THE ASSISTANCE WITH THE PAYMENTS FOR THREE MONTHS. 
ALL THE CREDIT CARD DEFERRED THE PAYMENTS TO START TO COLLECTING THE PAYMENTS DUE IN XX/XX/XXXX AND TO WAIVED ALL LATE FEES AND ONLY COLLECT ONE PAYMENT PLUS THE ACCRUED INTEREST. 
NOW I RECEIVED A BILL FROM BANK OF AMERICA, THEY ARE NOT ONLY COLLECTING THE INTEREST, LATE FEES AND THREE PAYMENTS AT ONCE, THEY REPORTED ME TO THE CREDIT BUREAU FOR BEING LATE OVER 60 DAYS!
Product: Credit reporting or other personal consumer reports

Spoke to XXXX supervisor with the customer advocacy team and credit line rep with XXXX. Who confirmed the account ( XXXX for {$72000.00} ) was not mines and I am not the signer. The rep generated two ticket numbers to have it removed from my credit reports. Ticket numbers XXXX and XXXX. The rep also stated he checked in the database which indicated and reads that I am not associated with those loan balances, so they need to get removed.
Product: Debt collection

On XX/XX/year>. XXXX XXXX XXXX XXXX # XXXX is suing me for a debt that I do not owe. XXXX XXXX indicated I requested a credit card, which I did not requested. XXXX XXXX stated that I have a contract and agreement, which were none sense. XXXX XXXX has violating multiple United Stated Code ( U.S.C ) under Consumer Credit Protection Act 15 U.S.C chapter 41 subchapter V section 1692 thru section 1692n. Furthermore, XXXX XXXX also has violating Federal Code of Regulation ( CFR ) Title 12 Chapter X ( Consumer Financial Protection Bureau ) part 1006 subpart B ( Rules for FDCPA Debt Collectors ) 1006.6 thru 1006.42. XXXX XXXX also has violating State of Minnesota Constitution ARTICLE VI JUDICIARY - " Sec. 4. Judicial districts ; district judges.The number and boundaries of judicial districts shall be established in the manner provided by law but the office of a district judge shall not be abolished during his term. There shall be two or more district judges in each district. Each judge of the district court in any district shall be a resident of that district at the time of his selection and during his continuance in office. XXXX XXXX willfully and purposefully bringing lawsuits to a wrong jurisdiction after had been notified that I have never resided in XXXX nor XXXX Counties. XXXX XXXX is intelligently and criminally switching difference counties in with communication to confusing me in correspondence with the purpose of obtain a default judgement. In fact, XXXX XXXX has shown intentional, and willful in code ( XXXX ) breaking, and disrespecting of due process of law and equal protection under law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a home and was told that Equifax has placed a block on my credit file so that the lender is unable to obtain my information to determine a loan approval. I NEVER ASKED FOR EQUIFAX TO PLACE A BLOCK ON MY CREDIT REPORT.