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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

XXXX - XXXX Was opened on XX/XX/2021,, with a {$400.00} of balance.. i dont know.
Product: Money transfer, virtual currency, or money service

HELLO, PAYPAL TOLD ME THAT MY ACCOUNT IS READY FOR WITHDRAW MY FUNDS BUT THE SYSTEM JUST PLACE ANOTHER LIMITATION IN MY ACCOUNT AND BLOCKED ME THE OPTION FOR GET MY MONEY. 
THIS LIMITATION IS ASK ME ABOUT BUSSNEES DOCUMENT. 
I REPORTED THAT I NEVER HAD BUSSINESS ACCOUNT WITH PAYPAL, I DONT KNOW WHY IS ASK ME FOR DOCUMENT, MY ACCOUNT IS PERSONAL, AND IT WAS ALREDY LIMITED PERMANENT. 
I WOULD LIKE GET HELP FOR RESOLVE THE PROBLEM. 

MY EMAIL IS XXXX PayPal account. ( Ref ID XXXX ) THE LAST ONE ( Id. de XXXX : XXXX ) You can no longer do business with PayPal ( Ref ID XXXX XXXX ) YOU SHOULD FIX YOUR SYSTEM, IF THE ACCOUNT IS PEMANENT LIMITE, WHY STILL ADD MORE LIMITATION IN THE ACCOUNT.
Product: Credit card or prepaid card

Charges on my Regions Card I did not make XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Regions XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Regions XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Regions XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the company recently gave me the credit. I have put a claim in for all other charges but they still are allowing access to my card and charges. I have tried to close the account. The recent charges since XXXX I never activated the card and they still have used it. I filed a police report and put and called the credit bureaus. Some how they are still getting into my account and its not getting taken care of. Regions keeps giving me to another department and not solving my problem.
Product: Debt collection

All XXXX of Student Loans reported by Mohela/ XXXX XXXX XXXX XXXX violating my privacy as to reporting my educational records to credit bureaus. XXXX, XXXX, and XXXX. 
Based on the Family Education and Privacy Act of 1974. My rights are being violated and i am requesting compensation for loss.
Product: Credit reporting

It is something on my report from XXXX that I know nothing about. I have not applied for anything from XXXX. It is a hard dispute. I do n't want any card from them. Do n't know what they are doing on my credit report. It was done from XX/XX/XXXX - XX/XX/XXXX. Thank you for your attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX denied me any disputes on my unauthorized inquires and double or triple inquires the said I had to call the creditor their job is to report what any creditor regardless of any original source they will still report and not let people dispute innacurate inquires
Product: Credit reporting or other personal consumer reports

Upon pulling my credit report back in XXXX, I noticed multiple fraudulent accounts on my credit report. These accounts do not belong to me. Who are these companies? I also have never given my personal information to anyone. These accounts need to be removed immediately. 

XXXX XXXX XXXX with a balance of {$4600.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX XXXX with a balance of {$260.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX with a balance of {$560.00}. Posted XX/XX/XXXX Acct # : XXXX XXXXXXXX XXXX XXXX posted XX/XX/XXXX Acct # : XXXX
Product: Credit card

Refinanced some outstanding debt with a home equity loan. One of the debts was a charge account with Lowe 's through Synchrony Bank. My bank sent out a cashier 's check ( number XXXX ) in the amount of {$2700.00} on XXXX XXXX, 2016 and the bank placed a stop payment on the check because Synchrony had not yet received it as of XXXX XXXX, 2016. A second cashier 's check ( number XXXX ) for the same amount was mailed on XXXX XXXX, 2016 and cleared my bank on XXXX XXXX, 2016. This check should have paid off the charge account balance as of the date of the Home Equity, yet Lowe's/Synchrony is claiming to have never received the second check. While at my bank on XXXX XXXX, 2016, Synchrony was contacted and we were told that there would be a resolution within 10-14 business days ; we faxed the representative proof showing that the second cashier 's check had cleared my bank. She confirmed that she received the fax. I have also contacted Synchrony on my own several times and been given the run-around. Not only am I not able to get this cleared up, they are also charging me late fees and most likely reporting my payments as being late. One last comment, after several attempts to correct the spelling of my name on the Lowe 's / Synchrony account they still have it spelled wrong. Although my name is incorrect, the bank put my charge account number on the cashier 's check.
Product: Credit reporting or other personal consumer reports

I have called XXXX XXXX and XXXX XXXX XXXX several times to figure out what is going on regarding missed payments for a XXXX automobile. The only missed payment that should have been reported was for XX/XX/XXXX, which was then paid in XX/XX/XXXX. Around XX/XX/XXXX, missing payments from XX/XX/XXXX to XX/XX/XXXX were reported to the 3 credit bureaus. Both XXXX XXXX and XXXX XXXX XXXX are saying they do not report missing payments to the credit bureaus, but neither will give me something in writing stating same. I have even asked for logs of the missing payments, but no one will respond. I can not get a copy of the signed lease agreement or financing documents. XXXX XXXX XXXX refuses to acknowledge in-writing that the vehicle 's whereabouts are known to them, they just refuse to get the vehicle. Overall, this is very fraudulent behavior- especially given that XXXX XXXX was willing to settle and close the lease agreement after the XX/XX/XXXXXXXX  payment was made.
Product: Money transfer, virtual currency, or money service

I closed a XXXX  account and no further card was issued last year XXXX. The transferred two additional direct deposits from the checking account that were not authorized because I closed the account after one month of service for lost card to it and I was traveling. The address was a government agency assistant to my travel. The original address was XXXX office under XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX CA. XXXX. It's was collect two direct deposits for XXXX aprx. To NetSpend, all company. Ace is by XXXX XXXX XXXX NetSpend is a authorized sale 's organization for XXXX XXXX/ XXXX I have a new Ace account with current address in Texas and cellphone number. NetSpend is not allowed me to get the closed account payment for the closed XXXX/NetSpend account because they are requesting my address information from 25 years ago or more to various Cross Streets answers in area 's no map has in under 5 minutes with 5 or more questions. they will not transfer to my new card in XXXX XXXX. XXXX Please assist me with a remedy. My address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX. Please mail the REFUND for the XXXX  account to me and close XXXX  account. I have New account for Ace to remain open. My issue is there security mapping questions of user, too old for me to remember and maps are not able to show online. Thank you. I have several numbers now. This cell phone is good for me to contact for questions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that the first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items. I have never heard of these things on my report. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$2200.00} COLLECTIONS   XXXX {$780.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX   XXXX  XXXX {$170.00}
Product: Credit card or prepaid card

I contacted Synchrony to place a dispute for a charge on my Amazon Store card issued by Synchrony because I had received a counterfeit item, not the item I ordered as advertised on Amazon. The total charge was for {$110.00}. Specifically, I ordered a headset advertised as XXXX XXXX XXXX. XXXX was also mentioned in the ad. XXXX XXXX XXXX are trademarks of XXXX, XXXX is an XXXX headset model. The headset I received was a cheap counterfeit. Nowhere on the box did it say XXXX, XXXX or XXXX. What the box did say was " XXXX line design of advanced XXXX. '' Inside the box was a cheap counterfeit headset and a note saying that if I left them ( the seller ) a good review on Amazon, I could have the headset for free. All I had to do was send them a copy of the review! I contacted Amazon about the counterfeit sale several times. The seller was removed from Amazon, but I see he is selling the same item now under a different seller name. Amazon said they would issue a refund to me, and that I didn't need to return the item, as the seller was requesting I pay to return it. But Amazon never did actually issue a refund. So I decided to resolve the credit card company, Synchrony because it's my understanding credit card purchases are protected from fraud. Synchrony denied my dispute because the Amazon seller provided proof that I had received the item they shipped to me. I did receive the item. However, Synchrony didn't require any proof that the Amazon seller sent me what I ordered, which was the problem at hand. The seller also denied that I had contacted them about a return. I did contact them, and so did Amazon. But the seller wouldn't send a prepaid shipping label. I don't believe I should have to pay to return a counterfeit item. It is my belief that the seller, Amazon, and Synchrony are committing fraud against Amazon customers. Since Amazon and Synchrony are in bed together, innocent buyers are no longer protected. I'm a woman, and a senior citizen on an extremely low fixed income. I would appreciate it if someone did the right thing here, and refunded my money for this counterfeit headset. A photo of the headset received and my Amazon invoice are attached. Thank you.
Product: Debt collection

Stated I owed XXXX XXXX XXXX  {$1600.00}. While on the phone with credit company i also called XXXX XXXX XXXX. The rep with XXXX XXXX XXXX stated an amount of {$100.00} and XXXX XXXX stated no balance due.. The credit collection company stated name as Radius Global and calls from XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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


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


Update the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/XXXX my debit card was stolen from me and used to withdraw {$6200.00}. First they made an {$80.00} purchase from 'XXXX XXXX ' ( Address : XXXX XXXX XXXX XXXX XXXX LA ) at XXXX. Then {$4000.00} was transferred from my savings into my checking via a XXXX Transfer at XXXX. Next, they used a Chase ATM ( address XXXX XXXX XXXX XXXX XXXX XXXX, LA ) to withdraw {$600.00} at XXXX. Then at XXXX they went to a different Chase ATM ( Address XXXX XXXX XXXX XXXX XXXX XXXX , LA ) and made 3 separate {$1000.00} withdraws. They then went to the USPS located at XXXX XXXX XXXX XXXX XXXX LA and purchased {$2300.00} in money orders. Finally a {$160.00} purchase was made at a XXXX  located at XXXX XXXX XXXX XXXX at XXXX and the last charge was for {$48.00} at XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX LA . 

I reported the fraud to Chase bank within 8 hours of when the fraudulent charges occurred. Initially, Chase credited me the amount stolen and said they would investigate my claim. However, on XX/XX/XXXX I received a letter from Chase stating that they believed the charges were legitimate because the withdraws were made using my correct PIN number. I do not know how the criminals obtained my pin number but I do know that I did NOT give my PIN to anyone and did NOT authorize these charges. I submitted an appeal with Chase on the XXXX but received word on the XXXX that Chase once again deemed the charges legitimate. I called Chase and was once again told that they would review the case but on XX/XX/11 after not hearing anything for 10 business days I called Chase 's fraud department and was told that my claim was still denied. Chase would not give me ANY explanation other than the fact that the withdraws were made using my correct PIN # so they deem the charges legitimate.

I am incredibly frustrated for three reasons : 1 ) Chase continues to deny my legitimate fraud claim 2 ) Chase won't provide me any information on their investigation oth
er than the fact the correct PIN was used for the disputed transactions 3 ) The fact that these criminals were able to drain nearly every dollar I had in a matter of hours without a SINGLE fraud alert from Chase bank. I've never withdrawn more than {$1000.00} from my account at one time but Chase saw nothing wrong with $ XXXX being taken out within a few hours
Product: Debt collection

I have had several accounts with GLA Collection. Recently they have refused to send proof of debt. 

For this particular debt I have asked more than once. 

XXXX from GLA today yelled at me that he has told me before he can't send it because some kind of violation period expired. 

He talked down to me for 10 minutes then threatened to report me as refusing to pay the debt. 

I wouldn't have taken his call if I was refusing. Once he told me how to get proof of the debt I will look into that. They act like you have no other bills to resolve and you should know their procedures by heart. 

I would prefer not to talk to XXXX any more. If he could be more patient with customers and realize to get them on the phone is 90 % of the battle. He also accused me of not wanting to pay my bills which I have a history of resolving claims with GLA plus I could just avoid the phone calls. 

I've asked for statements to be mailed from GLA. I've asked for proof of debts. Every single time is an argument. With the amount of scams now I don't feel comfortable giving someone a payment over the phone with my credit card just because they are rude and pushy.
Product: Credit reporting or other personal consumer reports

I have requested proof with a signed agreement between myself and the creditor to validate the debt. They only send me a final statement. Also I have never received a 1099 for this debt as it has been charged off as bad debt which I need to file taxes for the income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found several errors on my credit reports and sent an initial dispute to all 3 bureaus on XXXX XX/XX/XXXX to investigate the following accounts that were inaccurate : XXXX XXXX in the amount of {$1400.00}, XXXX XXXX XXXX in the amount of {$1900.00}, XXXX XXXX XXXX in the amount of {$880.00} and XXXX XXXX in the amount of {$670.00}. After my initial dispute, XXXX XXXX XXXX and XXXX  XXXX were both deleted from all 3 reports. 

I sent a second and third round of letters to all three bureaus in XXXX and XXXX requesting a validation of the two remaining accounts, XXXX XXXX   which is a credit card debt and XXXX XXXX XXXX which is a medical debt. I asked for a re-investigation and requested to be given any documentation that shows how the balances were achieved and any documentation with my signature that they have on file that was sent from the original creditor. All 3 bureaus have failed to provide me with any documentation as requested. It's clear that they don't have any as required by law. XXXX  and Equifax have also failed to explain their process of investigation or how the accounts were verified as I requested. None of them have sent me anything other than the results of the investigation. 

The XXXX  XXXX debt in the amount of {$1400.00} was sold to another company, XXXX XXXX. Not only was this debt added back to my credit reports without the bureaus notifying me within the required 5 days ( or at all ) but the account was also re-aged by two years, which is illegal. They didn't provide me with documentation for a validation of this debt as I requested either. This was an unlawful re-insertion and they have failed to delete this account again as requested. 

I reached out to XXXX XXXX on XXXX XX/XX/XXXX, which is a medical debt requesting documentation that they have on file in order to validate this debt. They sent me information about my hospital visit but the document was printed from their computer and it didn't include a HIPPA release form which is a clear HIPPA violation. They do not have my permission to maintain my personal health information in their company database. The company and bureaus have refused to delete this account even after the HIPPA violation and I plan to pursue this issue further in court if this item is not deleted from my credit report immediately. 

***All letters were sent certified mail so that I could verify that the bureaus received my requests and I have documentation of all of the interactions that I've had with them if needed in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX requested a credit score/report from TransUnion. XXXX was unable to get the information required to complete a phone purchase. I contacted TransUnion attempting to clarify my account details. TransUnion requested that I provide my 6 digit secret number. I could not remember it ... and so the usual question/answer inquiry started ... and this is where there was a problem. The last of 4 questions was about a credit card limit obtained in 2014. Since I did not have a recent credit report ( from any agency ) I was not able to get my account freeze temporary lifted. 
I asked for another question - and was denied. As an XXXX XXXX XXXX XXXX, I happy that I can remember major and significant activities in my life but not the answer to " what was the credit limit of the credit card you took out in 2014 ''. XXXX. 
TransUnion suggested that I look to another Credit agency to get the information and call them back with the answer. Instead, I'll only purchase major items with companies that DO NOT deal with TransUnion. That will be my first question for purchases or agreements which require a credit check.
Product: Mortgage

Good afternoon, On XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX and in this letter it stated I have until XX/XX/XXXX to purchase XXXX insurance or it will be purchased for me. That gave me less than XXXX hours to get insurance before they purchase it for me. 

Then on XX/XX/XXXX they purchased the XXXX insurance and restructured my loan to pay off this flood insurance and it made my loan payment go up. 

I sent over a XXXX document stating my building is exempt from XXXX insurance. 

They have not processed this letter and have continued to purchase more XXXX insurance from my Escrow. 

I need this XXXX letter reviewed and I need all of the money taken from my Escrow account for insurance that was not needed to be put back into my Escrow account. 

I want my loan amount adjusted back to the amount before the increase and I want my mortgage payment to go back down to the amount it was before. 

This company and its practices are very questionable and unscrupulous. For them to not give any time to respond or show proof that this insurance is not required and to go ahead and purchase insurance out of someone's escrow account is criminal. 

This needs to be fixed asap. 

Thank you, XXXX
Product: Prepaid card

I recieved a Vanilla gift card XX/XX/2020. I used it a few times, and at some point the card was put on hold. I have called the company twice to unhold the card, they said they would open a case and mail me a dispute form. I never received the form either time. Most recently was about a month ago. The case number is XXXX.