23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

M & T Bank has repeatedly refused to modernize their online banking security. This leaves their consumer vulnerable to breaches that could occur even if the customer themselves is very careful with their security. In particular their site violates the latest FFIEC Guidance on cybersecurity found here : XXXX.pdf In particular, as laid out in the Information Security Booklet the FFIEC provides XXXX They are in violation of procedure # XXXX on page XXXX : Confidentiality of passwords and shared secrets ( whether only known to the employee/customer ). 
The shared secrets they use are commonly found on social media sites, these questions ( mother 's maiden name, city of birth, school mascot etc, ) are widely known. 

M & T Bank also violates procedure # XXXX Determine whether all authenticators ( e.g., passwords, shared secrets ) are protected while in storage and during transmission to prevent disclosure. 

M & T Bank allows internet browsers to store password and user information, and does not have password entry on a separate page. They do not offer XXXX factor authentication, nor do they have image verification.
Product: Credit reporting or other personal consumer reports

Experian was notified via mail and in writing of fraudulent accounts. Experian has failed to block said accounts according to FCRA rules. I sent all necessary information and Experian has failed to comply with the law. Experian last letter requested I send the police report with the officer 's name and police department information. It has been sent and the fraudulent accounts have not been blocked from my credit report to comply with the law. According to FCRA, Experian has four days from receipt of fraud documentation to block all fraudulent information from my credit report. Enclosed are the letters sent and all documentation to prove the accounts are fraudulent.
Product: Other financial service

My husband and I tried to cash a check from the XXXX XXXX XXXX XXXX ( my husbands work credit union ) at XXXX on XXXX/XXXX/2016. It was declined. I came home and called the credit union and they assured me that the check was good. We tried again at XXXX ( our bank is closed on Saturdays ), again the check was declined. I have called Certegy customer service over and over again. I have never spoken to a live person. All I ever get is a recording and then I am put on hold. Endless hold, for hours at a time. My husband and I never write checks, we use a debit card all the time. The only thing that I can figure out is that we do n't meet Certegy 's criteria, because we do n't write checks. What in the world does that have to do with us cashing a check?? This seems terribly unfair to me that we are being punished and unable to cash a check at a business that offers check cashing just because we do not write a lot of checks. It is horrible that they can decline to cash your check and they do n't have to tell you why. This seems illegal to me.
Product: Debt collection

Over the last 4-5 weeks, XXXX and XXXX XXXX has called my employer, relatives and friends about an Amex bill I owe.

1 - They do not call me at all. I had to get messages from friends and family about their calling. Called my family liars when they said I was not home. XX/XX/XXXX is calling people all over the US who I DO NOT live with and haven't spoken to in years. I had to call them to find out who they were and what debt.

2 - The debt they were calling about, yes I owe but not behind in payments. So I asked why they continue to chase ... no response, just repeating that I owe money 3 - Specially told them not to call anyone but me and they have my number ... They are harassing my ex-husband & his family. We have been divorced 13 years 4 - Today XX/XX/XXXX, they called my employer insisting that I handle this debt and call them back. Again, embarrassing, no phone to me and my account is up to date.

This is outrageous!
Product: Credit reporting or other personal consumer reports

I have disputed the inquiries with Experian XXXX and equinox and nothing has been done after numerous attempts. These disputes are not mine and I have never heard of these companies that these reporting agencys are saying that I said it was ok for them to take out an inquiry on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently look at my credit report and seen numerous inaccurate and inconsistent accounts reporting to my credit report that i did not consent to. According to the fcra everything is suppose to report accurate and my accounts are not. I have been sending letters to the creditors and the credit bureaus since XX/XX/2021 up until today ive sent letttes certified mail as well and still have yet fixed my problem. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested for correction of inaccurate information which another credit reporting agency found to be inaccurate and had corrected. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to CORRECT the items listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of 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 XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

I got accounts that are too old and keep reappearing as new accounts they delete the old ones and keep the recent ones to extend the length of the statute of limitations. 
plus, the dates are wrong across the credit reporting agencies. 
i also would like to be remedied {$6000.00} due to negligence of XXXX, Transunion and XXXX of disregards my rights as a consumer by report inaccurate information keeping me with a bad XXXX XXXX.
Product: Credit card or prepaid card

Used Synchrony/Sam 's Club XXXX  regularly paid off balance every month XX/XX/2022 balance was paid off by XXXX XXXX XXXX  was not applied to my statement appealed statement and provided proof of funds transferring from bank account to Synchrony back and forth with Synchrony for several months eventually, Synchrony double billed me for the original charge and refused to credit account now, trying to get loan for kid to attend college and an adverse report on my credit prevents me from getting student loan
Product: Money transfer, virtual currency, or money service

Fraud in International Transfer of Money From USA to XXXX XXXX Company Transferring Money -- -XOOM/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  CA XXXX XXXX -- - XXXX or XXXX Sender -- XXXX XXXX XXXX XXXX XXXX IL XXXX Phone XXXX Receiver -- XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  Account in XXXX XXXX -- 1 ) I ( XXXX XXXX ) sent using XOOM to transfer $ XXXX/ from own XXXX XXXX XXXX IL XXXX account to My Wife XXXX XXXX  XXXX XXXX XXXX XXXX XXXX account an agreed XXXX Rupees XXXX/- within 2 business days. 
2 ) Transaction ID -- XXXX XXXX XX/XX/2020. 
3 ) Since then I contacted XOOM USA several times and XXXX XXXX   In XXXX but have not received XXXX Rupees in XXXX account till XXXX XX/XX/2020. 
4 ) XOOM has been delaying reply and buying time giving excuses and hiding behind XXXX XXXX inefficiencies. I am seeking your attention and help to recover full money from XOOM and deposit money as per agreement signed ASAP. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I'm perplexed about the way this account is reporting on my credit report consider it's already paid off. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please  evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 
The following addresses listed on the letter which appear on my credit file does not relate to any addresses I have lived at.
Product: Credit reporting or other personal consumer reports

Elan Financial Services, XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, offered me a settlement on my credit card. I was to pay {$1200.00} on XX/XX/XXXX, {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. The agent said when I make the final payment, I would receive a letter saying I satisfied my obligation, and the account would be reported to the credit bureaus as " satisfactory, paid as agreed. " But a credit monitoring agency informed me that Elan reported the account to the credit bureaus as delinquent. When I contact Elan, my call is always transferred to collections, and rude agents refuse to provide any information. In addition, Elan has not sent a letter saying XXXX fulfilled my obligation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed on XX/XX/XXXX, well before the due date. 

Clerical Error : There XXXX be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$250.00}, {$9000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX 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

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

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

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

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

XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Closed Accounts from My Credit Report I am writing to request the removal of closed accounts from my credit report that I believe should no longer be listed. Below are the details of the closed accounts in question : XXXX XXXX XXXX XXXX Date Closed : XX/XX/XXXX XXXXXXXX XXXX  Date Closed : XX/XX/XXXX XXXX XXXX XXXX Date Closed : XXXX XXXX, XXXX XXXX Date Closed : XXXX XXXX, XXXX XXXX XXXX XXXX Date Closed : XX/XX/XXXX XXXX Date Closed : XX/XX/XXXX XXXX Date Closed : XX/XX/XXXX I believe that these accounts should be removed as they are no longer relevant or accurate on my credit report. I kindly request that you review these closed accounts and take the necessary steps to have them removed from my credit report as soon as possible. 

Please confirm in writing once the requested changes have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First, you have to understand, 'credit lock ' is a Transunion product they charge for- and that they have manipulated their website to steer you away from a 'security freeze ', which is free. 

Of course, after the breach/debacle with XXXX, Transunion is ready to pounce in predatory fashion and ONCE AGAIN exploit the consumers misfortune by ensuring you are NOT ABLE to get a security freeze ( one again, your right to completely free security ). 

They have completely blocked EVERYONE 's ability to complete a security freeze online, a process that takes seconds to complete. At the end of this process you will receive a message to contact them via phone. Once you call, you will guided through the security prompts and in the end, you will be informed they are ( once again ) unable to process your request and you will need to talk to a representative ... after which you will transferred to a busy signal. 

***** Remember, if you ca n't place the security freeze you are completely entitled to, your only option to protect yourself is to purchase Transunion 's Credit Lock product ... funny how that works. FYI, ignore the mis-information ALL of the bureaus/CRAs are promoting on a Security Freeze. They are easy to do. AND- you can apply for credit at any time- just be ready to provide your pin to the creditor. It 's that simple! 

Next, rinse and repeat, over and over and over and over again. I have literally attempted to get this done dozens of times over the 4 days since the XXXX debacle was initially reported.
Product: Vehicle loan or lease

Hello, I leased a car through XXXX on XX/XX/XXXX. Since that date, I have been in Contact with Santander, which is the company I leased the car through. Due to my contract being null and void, I have tried contacting Santander through mail and stating that under law 15 usc 1605 ( 5 ) I the consumer was supposed to be provided premium insurance, but was asked to provide and show proof of my own insurance. This is illegal because I had a finance charge of XXXX. I also stated that due to law 15usc ( c ) I the consumer would like to cease and desist the alleged debt. When I received no response, I asked that the debt collector provide verification of this debt which is law 15usc 1692g. I sent this on XX/XX/XXXX and have not received a response. Instead my vehicle was repossessed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection that is onmy credit report that is [ ast the 7 years statute limitation of debt collection on my Experian, XXXX, and XXXX  report under the account named XXXX they have incorrect account numbers as well this should not be reporting XXXX this account was reported from XXXX it is XXXX. 

XXXX XXXX XXXX Experian Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

My Robinhood got randomly locked with all my savings in it I cant sell stock buy stock or withdraw my funds OR EVEN TRANSFER MY STOCK TO ANDIFFERENT BROKER. No reason provided by Robinhood as to why.
Product: Credit reporting or other personal consumer reports

I have multiple accounts that are reported late and I know that it is illegal to report late payments on accounts especially closed ones. I have sent letters disputing these payments on XX/XX/XXXX and XX/XX/XXXX. They are still reporting late.
Product: Vehicle loan or lease

I have a loan with CREDITACPT with the account number XXXX. I have always made my payments on time yet there was a 120-180 days late stating in the payment history. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I've already tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.