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

Inquiry opened on : XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' EXPERIAN is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' EXPERIAN and XXXX XXXX XXXX are a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agency XXXX XXXX XXXX and EXPERIAN do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to EXPERIAN, and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' EXPERIAN and XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. As well as 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. EXPERIAN and XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states, consumer reporting agency can not furnish an account with out my written instructions.
Product: Credit card

I paid off my entire balance on Monday. 

The payment posted, then the very next day, American Express said I owe them {$70.00} in fees! I paid everything! They just added fees even though I haven't used the card, so the {$70.00} isn't justified. 

I want that refunded and my balance should be {$0.00}.
Product: Checking or savings account

In XX/XX/XXXX, my Mother noticed there were deposits coming into her checking account via XXXX. These deposits were from companies that my Mother has never had any type of relationship with. 

We spoke with XXXX XXXX at the XXXX XXXX. He suggested that we reach out to the three companies that made the erroneous deposits. These companies were SC XXXX XXXX, XXXX XXXX XXXX XXXX SC and XXXX XXXX. No one at these companies was willing to assist me as I could not supply an account number for them to reference. 

We went back to XXXX XXXX who said all he could do was request the ACH deposits be returned. 12 of the original 15 were reversed on XX/XX/XXXX. Before the returns were processed, a fourth company began depositing by XXXX. More deposits from various companies continued to be made, totaling over {$30000.00}, through XX/XX/XXXX. 

We opened a new checking account on XX/XX/XXXX. It took several months to transfer all direct deposits and automatic drafts for bills to the new account. During this time, numerous deposits continued, as mentioned above. 

In XXXX, I came into the XXXX XXXX and met with XXXX XXXX, with whom we had continued to communicate. We transferred {$3900.00} which was rightfully my Mother 's, into the new account on XX/XX/XXXX, leaving over {$10000.00} in the old account. 

During that visit, XXXX and I compiled a list of the deposits that should be returned in order to close the old account. After months of worry and believing the bank would do their due diligence, we moved on. 

In XXXX, I received a call from XXXX XXXX. He stated that the bank had exhausted all avenues in returning the remaining funds but there was still {$8700.00} remaining in the old account. We could take a check or the bank would retain the funds. We took a check. 

On Monday, XX/XX/XXXX, there were XXXX separate transactions from XXXX XXXX, totaling {$9400.00}, which were debited from my Mother 's new account via XXXX, with no authorization from either my Mother or myself. These amounts were some of the deposits that the bank should have returned in XX/XX/XXXX. We believed, in good faith, that " all attempts had been exhausted ''. 

A fraud claim was filed for each of the 24 transactions on Wednesday, XX/XX/XXXX, as soon as we were notified that a check my Mother had written was going to be returned and we learned of the unauthorized debits. The old checking account has nothing to do with the new checking account and is not linked in any way.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are OPEN. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Comenity/Lands End Visa , a credit card account was opened in my name. I received the credit card though I never applied for it. It is either fraud, as in somebody has my personal information, or fraud in that they just issue cards to people that didn't ask for it. 

I called, and they wouldn't tell me the email address associated with the card, but did confirm it wasn't any of mine. 

They did cancel the card, and said they would instruct the credit bureaus to remove the account, though wouldn't guarantee that the credit bureaus would.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately in XXXX of XXXX the holder of my HELOC, XXXX XXXX XXXX  contacted us to let us know the original note was coming due. I started working with XXXX XXXX to generate a new loan in XX/XX/XXXX. I over the next couple of months I gave permission to pull credit and delivered relevant documention. I was told it was undergoing review. Approximately in XXXX XXXX I tried repeatedly to get status, but calls to my contact always went to voicemail. I eventually found a manager at the bank who told me the woman handling my account had left the company a couple of months earlier, and that no one had been monitoring her message. Nothing had been approved. I contacted another bank and started negotiations to have a new mortgage that would combine my current mortgage and the HELOC. I had updated XXXX XXXX that we were processing a new mortgage and continued to make payments on the HELOC. My new loan processed finally. Notification of the payoff to close the credit line was sent to XXXX XXXX on XX/XX/XXXX. What I did not know was that XXXX XXXX was under acquistion by XXXX XXXX. No one at XXXX XXXX disclosed this. Despite assurances from me and my new mortgage holder, XXXX XXXX XXXX, XXXX XXXX listed the loan as a charge-off ( I presume to make the books look better for their new owner. I contacted XXXX XXXX  again in XXXX asking them to remove the charge off, but they refused. I recently asked XXXX to remove the charge-off, but they only sent a confirmation of payoff of the original HELOC.
Product: Credit card or prepaid card

***I am making this complaint and not made through a third party. *** Sporadically, when utilizing the Chase app, it requires that I confirm how my spouse and I wish to receive statements. 

The issue is is that when doing so I have reselect paper statements each time as it defaults the radio button to electronic. 

It is an intentional act from Chase to default it to the electronic selection because it is cheaper for them. I find it deceptive that Chase continually selects a preference I do not want and does it periodically in the hopes that I accidentally select an item I do not want.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces : was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions 25 have caused significant inconvenience and financial loss, and I seek appropriate redress for those violation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, AND 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 a account without my written instructions
Product: Debt collection

Vehicle was reported stolen, vehicle was found by police department, and was retrieved by the car dealership
Product: Debt collection

I've been in communication with LVNV Funding since XX/XX/20. They were negotiating a settlement with me and when I told them I needed a consideration because I am going through a financial hardship they told me to contact XXXX XXXX. I contacted XXXX XXXX and arranged a settlement and the day I called in to process the payment they refused to take it. They said the account was transferred back to LVNV Funding so I called them and they refused to take a settlement. They would only take the full amount. The reasoning behind this was because in their system it showed that XXXX XXXX was servicing the account. The odd thing was that they wouldn't take a settlement JUST a payment in full. With all this back and forth I still have not been able to settle this account and they continue to mark me late on my credit every single month. I beleive it is unfair and illegal for them to do this. I have the money, I made arrangements so why can't they keep their word and settle my account? It seems like the owner of the debt ( LVNV ) caught wind that I was settling the account for a reasonable amount and they didn't want that to happen so now they have my account in a limbo where I am the only one losing. I can't pay to stop the negative credit reporting and they don't seem to care.
Product: Credit reporting

A few months ago I signed up with Transunion for what was represented as service for credit monitoring and credit score tracking. It was promoted as costing {$1.00}. Subsequently I learned that there was a monthly charge of {$17.00}. I became aware of the charge in the last two months but it has been billed to my card for the last 5 months, according to TransUnion. On XXXX XXXX, 2015, I called and cancelled the service. When I was waiting to speak with a supervisor about getting a refund on charges billed, Transunion ended the call. 
I believe TransUnion is engaging in an unfair, deceptive, and possibly abusive practice. I do not recall seeing any disclosures about the monthly charge. I would not have signed up if I understood there were any charges besides the {$1.00} fee - even after a trial period. I am asking for the CFPB to help get my money back and to get Transunion to stop this practice.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion, XXXX, and Transunion for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against TransUnion, XXXX, and Transunion for their refusal to update my personal information on my credit report. On XX/XX/year>, I submitted a personal information update letter to TransUnion, XXXX, and Transunion, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/year>, I received a response from TransUnion, XXXX, and Transunion stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to TransUnion. 
I believe that TransUnion 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
TransUnion 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, TransUnion has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Mortgage

Our home has been financed by Citi since 2006. We have never missed a payment or even made a late payment. In early XXXX this year I approached Citi about refinancing to gain a lower interest rate. I was quoted a rate about 1 % lower than the rate on our current loan and promptly submitted an application. The appraisal was completed to confirm there is more than ample equity in the home to justify the loan. The unblemished credit reports with XXXX FICO scores were provided and every piece of documentation or information requested has been provided. A clean title search is ready for delivery upon request. More than 3 months later Citi has still not completed processing our application for final approval and today has once again requested I provide nonsensical information that has already been provided despite its irrelevance. I now suspect it has and continues to purposely delay approval of our application in order to continue collecting the higher interest charges that have and continue to accrue. Had I even suspected Citi would handle our application in such bad faith I would have gone elsewhere at the outset and undoubtedly would have already completed the refinancing process well before now.
Product: Payday loan, title loan, or personal loan

A company by the name of XXXX XXXX ( XXXX XXXX XXXX FL ) knocked on our door and sold us under false pretenses a roof solar system. It turned out they were not the installer, they simply gave the contract to a company called XXXX XXXX XXXX XXXX FL ) who in turn subcontracted to a company called XXXX XXXX XXXX ( XXXX FL ). 
The loan for the XXXX XXXX was awarded to a company called Goodleap/LoanPal . 

On XX/XX/2022 The installers badly damaged and compromised our roof and took apart our electrical system. The solar system was abandoned in our garage due to the damage caused. We later found out that to this day the company has never had an issued permit to do the work. 

We made the lender Goodleap/LoanPal aware of this situation long before payments were due on the loan ( had direct conversation with XXXX XXXX XXXX yet they still insisted on taking money from our account for the loan when no permits have ever been issued, no inspections done and no system has been installed to this very day since XX/XX/XXXX. They have even threatened a lien on our home and ruining our credit. We want nothing to do with all of these companies. In our opinion they are highly predatory. We desperately need help from the authorities. And for the public to be warned and alerted about Goodleap/LoanPal, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a couple collections on my report I did not authorize
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXX acceptance does not belong to me and is a result of identity theft.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on XX/XX/2016, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am reaching out to file a formal complaint against Experian due to inaccuracies in the personal information on my credit report. I have identified incorrect names and addresses in my credit file, which not only impact the accuracy of my credit history but also pose a serious risk of fraud and identity theft.

These errors violate the provisions of the Fair Credit Reporting Act ( FCRA ), which requires credit agencies to maintain verified and accurate information in consumer reports. The inclusion of unauthorized, incorrect data compromises the integrity of my report and exposes my identity to potential fraudulent use. 

My correct information is as follows : Full name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last XXXX digits of XXXX : XXXX I have repeatedly requested that Experian correct this information, but no adequate measures have been taken to address these errors. This not only affects my credit but also represents a significant threat to my personal identity security. 

I request that the CFPB oversee this process and ensure that Experian complies with the FCRA by promptly correcting these inaccuracies. The accuracy of my personal data on my credit report is essential to protecting my credit history and preventing potential fraud. 

Thank you for your assistance in ensuring that Experian takes the necessary actions to reflect only accurate information corresponding to my true identity. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX Is the previous complaint number. They didnt provide anything I asked for or anything to prove the debt was created by me. My rights are being violated by a XXXX XXXX collection agency who is trying to collect a fraudulent debt and has been causing hardship by negatively affecting my credit. Not only are the not the creditor the bought a debt that was in dispute status. I would like to sue the agency and all XXXX credit bureaus for reporting false information.
Product: Money transfer, virtual currency, or money service

Cash App had a data breach in XXXX or XXXX or so. I contacted their support via app to ask if I was part of that data breach. They refused to answer the question, using automated responses that obfuscated answers. It is obvious that they deliberating steered the conversation away from my request.