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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Id like to file a complaint against TransUnion for violating section 611 Of the FCRA. Ive filed complaints with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions and said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both TransUnion and all the data furnishers listed below the required letters and I have not received anything from any of the companies. Ive further sent TransUnion request to remove these items for lack of response & theyve ignored my requests to remove the items which I know are inaccurate. TransUnion is now violating section 611, 609 & 623 and Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX PXXXX XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}
Product: Credit card

Chase has closed my Credit Card Account and can not open another account with them in the future. The letter said this was due to unexpected activity on this account or another chase account. This was my only Account with Chase and I only used it for Amazon.com purchases as that was why I got this card about 6+ years ago. I always paid my bill in full every month and did not have missing payments. I called Chase to find out what happened few times and they would not give me an answer on why it was shut down and nothing could be done. I tried to ask for a phone number, I could call to find out, but they said they can't.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX has several negative reviews for billing costumers after they have terminated or ended their services with them. My name is XXXX XXXX and my credit use to be high 700s, its now XXXX over an electric bill that has been paid for. They have sent me to collections, a company by the name Helvey & Associates based out of Indiana, currently, Helvey & Associates or H & A is a third-party collection agency based in Indiana. H & A  has received complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to verify debts and attempting to collect debts not owed. If you have been contacted by Helvey & Associates, understand your rights before responding. On the page of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I need to inform the company that I have copies of previous credit reports from XXXX, XXXX, and Equifax where on XX/XX/year> Equifax showed a credit score of XXXX with credit use at 91 %, XXXX on XX/XX/year> showed a credit score of XXXX with 53 % credit used, and XXXX on XX/XX/year> a score of XXXX with 53 % credit used. I currently have 44 % credit use and my son has 23 % credit use and our scores are still in the XXXX score range. I have reported the tampering to the FBI for further investigation into why the credit scores are being tampered with at this particular point in time.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/23, 11 unauthorised transactions were done by someone from my paypal account. Money was transferred to someone in Canda, I raised the issued with paypal team in half an hour of these transactions, however paypal refunded for 7 transactions and 4 transactions were kept on hold, even after repeated emails and calls they didnt do anything and remaining transactions also got cleared from my account. After hundreds of followup, paypal refunded me for three more transactions keeping 1 transaction as pending.

Kindly help
Product: Credit reporting, credit repair services, or other personal consumer reports

( BANKRUPTCY ACCOUNT ) To Whom It May Concern : I received a copy of my credit report and the items listed below were included in my bankruptcy but are not identified as such on my credit report. Please see the attached copy of my court documents which lists the creditors included in my bankruptcy. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, Florida. XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXXg according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : 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
Product: Checking or savings account

I am writing to file a complaint I guess Navy Federal credit Union regarding multiple overdraft fees I have inoccurred. Despite having sufficient funds when the transaction votes authorize. I was charged fees for lagging posting. And charges and credit. The issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled for insufficient balance despite initially available funds I believe these practices were unfair and requesting a investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  account XXXX XXXX XXXXXXXX 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 states a consumer can not furnish an account without my written instruction
Product: Payday loan, title loan, or personal loan

I borrowed {$500.00} and with interest I would pay {$550.00} and if I was late a late fee. I have been in contact with this company throughout the process and now they are telling me I owe them {$1800.00} on a {$500.00} loan. I researched about this company and others have complained about unfair business practices and untold/unseen interest charges. This is going to force me to look into options of bankruptcy
Product: Credit reporting or other personal consumer reports

Earlier this year I took an overall look at my consumer report and noticed information and several accounts that doesn't belong to me. In XXXX I then notified Experian regarding the information that's being reported asking them to do an investigation. They replied that the information listed in my dispute letter was verified accurate in which they're not. In accordance of 15 U.S. Code 1681- Congressional findings and statement of purpose, Experian must report accurate information to my consumer report. I am aware that anything that is either inaccurate or unverifiable must be removed from a consumer 's report immediately. When I asked Experian to investigate the information I asked them to include any documentation with my signatures or agreements to authorize them to report in which they failed to send me any form of verification. I also reached out to the creditors asking them to verify any debt in which they haven't. By them reporting these inaccurate accounts my credit score is being negatively impacted impairing my ability to obtain relationships with any potential lenders or housing situations needed for the daily living. The creditors have been calling my phone constantly seeking a debt that doesn't belong to me which i'm aware is against the law pursuant 15 U.S. Code 1692c - Communication in connection with debt collection.

Violations committed by Experian & the credit bureaus 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Credit reporting or other personal consumer reports

I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there.
Product: Money transfer, virtual currency, or money service

Hi there! I was doing trading on coinbase, and 1 month ago I tried to withdrawal from my coinbase account to my XXXX XXXX XXXX account.Transcation appears complete, But I still couldnt get my XXXX $ from coinbase. I dont reply my mails, calling etc. I dont know what I have to do. Could you help me about it please
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXX Employer - XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX-XX/XX/2018 I responded to an add on XXXX for ( 2 ) wristbands to XXXX music festival. The seller let me know he or she had two wristbands still available for {$550.00} each. We then began negotiations on payments and arrangements moving forward. We agreed to use XXXX, a payment method through out banks. Not knowing much about it I trusted it since it was through my bank and if anything happened I could go to them to fix the problem. We agreed that I would send the first payment of {$550.00} in the beginning and the other {$550.00} once I had the wristbands. But throughout the day with threats of keeping my first payment and to not send the wristbands I eventually sent the rest of the money in two separate payments of {$350.00}, and another {$200.00} all through XXXX. Once the full amount was paid I stopped hearing from the seller and when I tried to call the cell phone had been disconnected. Know I had been scammed I contacted my bank to see if there was anything I could do or if I could even file a claim. After calling multiple times and talking to numerous employees they all said the same thing, since I willingly sent the money they can not do anything. Then they would go on to say to just alert the police and reiterate that there is nothing else they could do. I trusted the bank to have my back and they didnt.
Product: Consumer Loan

I do n't understand why other loans with a due date are paid early the due date advances to the next month because I paid the payment before the due date yes it 's early but it was paid and advances the due date. I personally think it 's unfair that a financial institution essentially force you to carry a loan it 's entire term, or make " extra payments '' that do n't count towards the monthly payment. I 'm just trying to save some interest but can not believe a lender is ok with opporating this way, and allowed to.
Product: Credit card or prepaid card

This complaint is regarding a pending credit dispute that we have with Citibank/Macy’s credit card for charges relating to XXXX XXXX XXXX   that were initiated – without our consent – in XX/XX/XXXX. I initially wrote a letter to Citibank/Macys/XXXX XXXX on XX/XX/XXXX reviewing the fraudulent charges be discontinued and that we receive a refund (either in monetary or credit form) for the funds that were withdrawn from our credit account without our permission. Since sending the letter on XX/XX/XXXX, Macys indicated that we would need to cancel our credit accounts and to be issued new credit cards to prevent further fraud. This was done twice to no avail – we continued to receive charges from XXXX  XXXX  on our Macys charge account for XX/XX/XXXX and XX/XX/XXXX, until we were successfully able to contact XXXX XXXX (a subsidiary of Macys) and get them to finally discontinue the fraudulent charges moving forward. 
	Still at issue, however, is the retroactive reimbursement for the fraudulent charges made to our account between XX/XX/XXXX through XX/XX/XXXX, which now total XXXX. To follow up on our request for reimbursement, I have made NUMEROUS attempts within the last six months to secure reimbursement of the funds, to no avail - they are denying my reimbursement request. As such, we are now filing a complaint.
Product: Credit reporting or other personal consumer reports

This account is not 30 days late, OneBlinc received a payment on the XXXX of XXXX, the payments are biweekly, they have a times on their website under my account showed where you owe them nothing yet your still XXXX number of days past due. also, the balance they report for the end of XXXX does not match the statement balance. 

OneBlinc is reporting false information. They have already damage my credit by lowering my score XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS THAT ARE BEING DISPUTED WERE NOT AUTHORIZED BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS LISTED. IT HAS BEEN BROUGHT TO MY KNOWLEDGE THAT THOSE ACCOUNTS HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FOR QUITE SOME TIMES AND I HAD NO IDEA HOW THIS HAPPEN. PLEASE IF THERES AN INVESTIGATION THAT CAN BE DONE TO HAVE THOSE REMOVE OFF MY CREDIT, PLEASE HAVE IT DONE TO CLEAR MY REPORT OF INACCURATE ACCOUNTS.
Product: Mortgage

I am executor of my father 's estate. My father had an existing mortgage loan through XXXX that was subsequently transferred to Bayview Loan Servicing 8 months after his death. The loan with XXXX was current at the time it was transferred to Bayview Loan Servicing. Bayview Loan Servicing received the mortgage and attached a {$200.00} late payment to the account which is unexplained. They refuse to remove those charges which I currently dispute. On XXXX XXXX, 2015, I made an online internet payment for the month of XXXX. A week later the available funds were never drafted from the designated account and Bayview loan attached a {$35.00} NSF fee to the mortgage account on top of the {$200.00} late fee payment that they insist that the estate pay. The NSF fee is because they were supposedly unable to locate the bank account ( not insufficient funds ). The funds were indeed available at the time. Bayview Loan Servicing said that they can not help or remove any of these fees. We are only 60 days into this relationship with this company and it is a headache. The negative reviews for Bayview is 85 % or higher. This loan servicer should be investigated immediately because their business practices and unexplained fees appear to be unethical. I am asking CFPB to step in and mediate and penalize where necessary on behalf of my father 's estate and other consumers who have been affected by their practices. I am thoroughly convinced that this company is violating consumer protection laws.
Product: Debt collection

I sent a violation letter to Portfolio Recovery Associates on XXXX for them to take action because they are in violation of my consumer rights through the FCRA and FDCPA. They responded on the XXXX of XXXX with a letter through them mail saying they would have this account deleted. They should have never reported the account in the first place. They knowingly and willfully violated my natural person and consumer rights and through their violations I am owed compensation by federal law. They have harassed me over and over and over again and it will not be tolerated.
Product: Credit card or prepaid card

I applied for a secured credit card from Discover on XX/XX/2020. I secured the credit card with {$200.00}. After completing Discovers verification process, I was issued the card and had an open credit limit of {$200.00}. I have never charged one thing to the card. 

On XX/XX/2020, I was emailed a letter from Discover and it stated that the card had been closed by Discover because they were " unable to verify personal information ''. 

I called on XX/XX/2020 and spoke to customer service person, XXXX at XXXX XXXX CST to ask what exactly they couldn't verify and was told that they have no explanation. I then asked to file a complaint and I have not heard back from Discover.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

This account is reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. I was never called or contacted to confirm permission for reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government? I am requesting that you remove these accounts immediately. There have been several requests. I am requesting {$1000.00} for each violation.
Product: Checking or savings account

Contacted bank support via mail, email snd XXXX  XXXX via email first week of XX/XX/2020 to close account was advise account gad an available balance of {$100.00} do i want to withdraw or gave check iddued as accounted needed to be at XXXX I withdrew i was advised on a recorded line account submitted for closure i gave it no mind at all thereafter I then received notice of charge off showing in chex systems and ews i again contacted all of the above i was advised there appeared to be a posting error which resulted in fees but rest assured they were were removing all fees and pulling account back from chex and ews 1 of the 3 took place rep advised exact amount showing was being credited back and i no longer haf to worry about as it was very clear there was zero activity past that point
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

there's an incorrect address on my equifax report and it's been used to open fraudulent utility accounts under my information
Product: Debt collection

On XXXX of XXXX  a few months after my XXXX birthday, I unknowingly had a credit card opened in my name with Capitol One Bank. I was unaware of the fact that this happened due to my lack of knowledge on how to check my credit score. I would always try to apply for credit cards, but they wouldn't approve me, and I didn't understand why. It wasn't until about 3-4 years later that I spoke with someone from the bank. They informed me that I had a line of credit on my name for the amount of XXXX. I have tried to report the fraud to the company multiple times as well as report the fraud to all credit bureaus. Yet the debt has still not been removed from my credit report.
Product: Credit card

I was using square as a credit card processor. I did 5 transactions, no charge backs, no issues what so ever, I recieved an email that I may have a reserve, so I called two seperate times to have this explained and they said ignore it it will not apply to my account, so the following day I processed XXXX payment ( I am in construction and this was a materials deposit for a very large job ) and they held XXXX $ of it for 180 days. They told me 30 % of all my funds going forward now will be held for 180 days inaccessible until release. What margins do they think I operate at where this wouldnt essentially XXXX me and the clients enough money to purchase his materials for the bathroom. This caused five weeks of delays in starting the project as I had to take a loan out to purchase the materials HE HAD ALREADY PAID for. They told me to close the account deactivate it and it would release. THIS WAS ANOTHER LIE. I still have 52 days until release of funds. Many others in my industry complain of this practice. FUNNY STORY. They offer square lending. Wonder whos money they are using to fund that.
Product: Checking or savings account

I am unable to close my account. I have submitted all verification documents requested, but Penfed request that I call a number for additional verification. I would like to know what additional verification is needed to close my account. I need this response on record and not over phone, due to PenFed responses not being governed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the clerk of court because there's a bankruptcy on my credit report and I asked them if they reported this to the credit bureaus and they send me a letter that they did not. I tried disputing this information and so far XXXX  deleted this but XXXX and TransUnion are not deleting the information.