23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX has made it their Standard Operating Procedure/practice to place borrower 's partial payments in 'suspense ' ( i.e. delay application to the borrower 's obligation ). I just spoke ( XXXX/XXXX/15, XXXX XXXX Mtn ) with their Representative that confirms this both specific to my account and broader to all XXXX accounts. 
XXXX XXXX, 2015 I wrote to XXXX stating my instructions for partial ( and overpayment ) payments. This mailing was sent/confirmed by USPS certified. More specifically, I requested funds not be held in suspense, but rather applied immediately for principal reduction. Today, by phone, the Representative states that this is NOT happening on my account, but rather XXXX continues to place partial payments in suspense. I stated for the Representative that my complete intention of partial and/or overpayments were for the purpose of me to save/escape some interest expense over the life of the loan ( XXXX is aware of this! ). In my opinion, FirstLand and the like should be severely fined for such disregard of the consumer. Had I known that I would be subjected to such practices, and the onus be on me/consumers, I would have worked to find/control more reputable lending. 
Respectfully, XXXX XXXX, XXXX. XXXX XXXX, NM XXXX XXXX XXXX ) XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

TransUnion is reporting a account that the company has already agreed to remove back in XXXX. This is a complete invasion and disregard for the consumer privacy under the Privacy Act of XXXX 5 USC 552a. And is a disregard for the expressed CONTRACT already established by the Consumer and the person reporting the information ( a copy of the cfpb complaint place on credit collection service is attached. I shouldn't Have to complain to the CFPB for Transunion and its employees to do the job/ role they assumed. The XXXX XXXX XXXX Account being reporting by Transunion goes against The Fair Credit Reporting Act as well, and it seems TransUnion and its employees want to make up their own rules when it comes to a CONSUMER report, 15 USC 1692a ( 2 ) ( A ) ( i ) transaction history DOESNT belong on a CONSUMER report a copy of that will be attached as well since you seem to not understand it. As I'm sure you are aware of the 16 CFR 313.7 ( f ), I have a federally protected right to opt out of you reporting information at any time and it continuous, I'm expecting not more that 2 days for this to be off of my consumer reporting, DELETED!!! As it should have already been. One of the principles of EQUITY is : Equity recognizes what should have been done as already done!
Product: Money transfer, virtual currency, or money service

XX/XX/2024 Contacted support 4+ times for this and they haven't managed to get it resolved even after thoroughly explaining the situation for them. 


" We're unable to continue processing payments for this account We strive to provide our customers with seamless and user-friendly payments solutions. Unfortunately, sometimes we can't process activity for a variety of reasons, including local laws, our policies, or the policies of our partner banks and card networks. 

Based on the information we have today, it appears that there was activity on this account that we can not process. Specifically, the sale of XXXX oriented materials or services. 

What can I currently do with my account? 

Unfortunately, at this time most of your account features have been deactivated. You can still view your transaction history, download account statements, or request copies of your data. 

We may hold any funds in your account for up to 90 day ( s ) to cover things like chargebacks or other financial liabilities. We'll review the account periodically to see if we can release any remaining funds sooner. We'll email you the outcome of each review. 

We're required to keep some of your personal information for up to 10 years, and we'll automatically delete what we can during that time. Find out more about our data policies. 

How can I learn more? 

To learn more about the types of activity we can't process, read the Supported Activity section in our Help Center.

We understand this news may be disappointing. We apologize for the inconvenience. 

Thank you for choosing PayPal. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus continue to show an unverified public record on my credit file despite numerous letters and disputes being filed. All 3 credit bureaus have informed me that they are getting the public record information from XXXX XXXX. I have disputed the public record in question with XXXX XXXX and they have deleted that item from my file. A letter confirming that has been sent to the credit bureaus along with a letter of dispute dated XX/XX/2020. 

So far, XXXX  and Transunion continue to claim this information is verified when their verifier, XXXX XXXX has in fact deleted this item. 

XXXX has not even replied.
Product: Credit card

XXXX Card stolen - charges exceeded {$8700.00}. XXXX started harrassing me ; I hired an Attorney ; Filed a Motion in XXXX Court Case # XXXX ; settled out of court w/Agreement to pay only my balance owed at the time of Identify Theft Settlement XXXX XXXX, 2013 XXXX. XXXX reported XXXX XXXX reported {$8700.00} as my Income. I have Filed with XXXX Form XXXX w/Police Reports and documents of Person ( s ) who stole my Credit Card was unknown to me, XXXX Bank Credit Card # Stolen ; {$7500.00} credit Approved by XXXX Bank by XXXX XXXX a neighbor residing at XXXX XXXX XXXX, XXXX, GA XXXX ; Police Report Filed case # XXXX and XXXX XXXX Police Dept..
Product: Student loan

Nelnet initially alerted me on XX/XX/XXXX about a payment in the amount of {$330.00} that was due. My usual monthly payment is {$120.00}. After making one payment, I found they are again requesting the same amount. I called Nelnet on XX/XX/XXXX asking why the amount has increased. The customer service agent could offer no explanation, even after I told her I have had no changes to my income or anything recently that would increase my monthly payment. The rep then offered to have me file for an income driven repayment plan ( which I am already on ) that would lower my monthly payment to {$300.00}. I asked again why the amount has gone up so drastically, and she offered no explanation and hung up on me. I have since been trying to resubmit my income driven repayment plan but they are not allowing me to rearrange payments or anything to lessen this financial burden.
Product: Credit reporting or other personal consumer reports

TransUnion refusing to correct personal information. My correct name is XXXX XXXX XXXX I sent proof of residency and Drivers license. TransUnion is reporting my name as XXXX XXXX XXXX and XXXX XXXX XXXX old addresses listed. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My correct address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Incorrect employers. Im self employed. 
XXXX is reporting incorrect names also. I have sent proof of identity to them as well. My employer and address are correct. 
XXXX has incorrect name and address. 
Proof of personal information has been sent to each Bureau. I have sent proof of personal information more than three times to each Bureau. Can you please help me to get my personal information straightened with each Bureau. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ordered my 3 annual credit bureau reports for two years now. Items that were discharged in Chapter XXXX bankruptcy are supposed to drop off my credit report after 7  years, yet, these items continue to appear on my credit report and are affecting my credit score and preventing me from obtaining credit, buying a car, a house and getting a job. I have notified the 3 credit bureaus last year and again this year and the response is that I can not dispute the same items twice. The credit bureaus are not abiding by the law when it comes to bankruptcy.
Product: Bank account or service

During the years XX/XX/XXXX I purchased several Growth Savings Bonds from XXXX Federal Savings XXXX XXXX XXXX which no longer exist. I have contacted Astoria Bank which acquired XXXX about savings accounts that should have been set up after these bonds had reached their maturity dates. I have spoken to several bank personnel with no one being familiar with these growth savings bonds or any accounts set up with these funds. I have also visited the unclaimed funds website with no accounts being found for the names listed as the bond holders.
Product: Credit reporting or other personal consumer reports

THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, BBB COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Product: Debt collection

An account representative from Phoenix Financial services ( as ) organization contacted my wife on her cell phone ( without authorization XX/XX/2019 ) and threatened arrest at which point she paid. 

They had called me on my cell in XX/XX/XXXX at which point I requested that they send documentation in writing for me to review with their client and insurance company ( which I never received ).
Product: Money transfer, virtual currency, or money service

XXXX payments didnt arrive immediately delayed, charged fees, failed to protect my funds.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to XXXX XXXX   XXXX/XXXX  XXXX which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX XXXX/XXXX  XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX   XXXX/XXXX XXXX. XXXX  XXXX XXXX/XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXXXXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed my driver 's license and social security card to XXXX XXXX, Experian, and XXXX. ( XX/XX/2021 } certified to prove my identity and address. On my Experian, an XXXX has duplicate names including the last name XXXX that do not belong to me. I understand also soft inquiries are not an issue, but it is to me ; I have not applied for any utilities such as XXXX XXXX provider services, XXXX, etc. it's over 147 inquiries I am doing my responsibility on my part so, what is the credit bureaus responsibility? They're not doing their part. Yes, I understand we are in a pandemic but are they even taking the time or just do not care about us consumers. We do have rights
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Experian received my request for a reinvention of a XXXX XXXX Bankruptcy. on XXXXXXXX XXXX Experian replied stating the the account in question was verified. How can that be when I provided them with proof from the Bankruptcy court that the case number was INVALID. Experian violated the FCRA 15 U.S.C. 1681e ( b ), Experian failed to maintain maximum accuracy and failed to do a proper investigation. The account listed below still remains on my credit report even though I provided proof from the court that supports my claim, I have also provided proof showing that Experian did not conduct a proper investigation. Please delete the following account from my credit file as it is inaccurate. I have enclosed PROOF from XXXX that this Bankruptcy was Unverifiable, as well as proof from the court, Therefore the following Bankruptcy must be deleted : XXXX Bankruptcy/ Reference Number:XXXX. ATTACHMENTS ATTACHMENTS
Product: Debt collection

I have been in the process of purchasing a new vehicle And home but I have been turned down due to the information I found on my account. 

On my credit report there is a Charge off from : 1. XXXX XXXX  XXXXXX/XX/XXXX for the amount of {$230.00} & {$150.00} from XX/XX/XXXX. 
2. XXXX XXXX XX/XX/XXXX for the amount of {$380.00}. 
3. XXXX XXXX for {$2200.00} the date is unknown but it was reported XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX for the amount of {$1200.00} 5. XXXX XX/XX/XXXX
Product: Credit card

I had XXXX credit cards with Citi. XXXX cards were the Costco brand and XXXX was XXXX XXXX. The business credit card on the Costco brand was setup for autopay of the statement balance. I went on the Citi site and changed the Autopay to twice a month. 

Citi sent some kind of stop payment to XXXX XXXX, where the checks come from. The payment cancellation for the Autopay of the statement balance somehow put Citi on a do not pay cycle. So when Citi said the payment was taken back by XXXX XXXX, I went into the Citi site and made another payment from XXXX XXXX. That payment was also denied by XXXX XXXX. This happened 3 times and after the third time, Citi cancelled all my cards. 

At now time was there insufficient funds to pay. It seems XXXX XXXX placed a stop payment on all payments to Citi, not just the Statement Balance Autopay. 

There was also a considerable amount of money in rewards accumulated. That money has disapeared. 

I would like to have all the cards reinstated as this was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several Fraudulent Inquiries that are being furnished to my credit report from transunion and XXXX, As well as some of my personal information is incorrect I will attached an FTC report to this complaint.
Product: Credit card or prepaid card

This complaint is about the Lowes ( the home improvement chain of stores ) credit card managed by Synchrony Bank. In 2020, twice I have paid off my account balance in full ( XX/XX/2020 and XX/XX/2020 ). But Lowes/Synchrony Bank refuse to issue a statement that reflects my payment. Twice I have had to demand some sort of documentation that their records show that my payment has been made. But they tell me " they don't issue a credit card statement if I have a XXXX  balance. '' I think their refusal is a violation of the Truth in Lending Act, because at 15 USC Ch. 41, subCh. 1, section 1631 and 1632, a lender has a duty to DISCLOSE. The creditor must report all transactions during the billing period, and it does not matter whether the ending balance is zero or not. The consumer needs documentation that a payment was processed by the creditor and applied to the consumer 's account, because a payment could be misapplied, stolen, etc. Here is my latest example. XX/XX/2020 was the end of a billing period where I had an {$88.00} balance. I paid off the balance on XX/XX/XXXX, and my payment posted to Lowes/Synchrony Bank and cleared my checking account, all in XXXX. My next billing date was XX/XX/XXXX, but I had a XXXX balance. I think Lowes/Synchrony Bank is required to issue a statement that reports my payment in XXXX, even though the balance was paid to zero. By contrast, if I had BOTH zero transactions AND a XXXX balance during a billing period, then there's nothing to report or disclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this account ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

on XXXX someone named XXXX XXXX into my phone and sent themselves {$200.00} via the pay anyone feature on chime. I noticed this on XX/XX/year> and called to dispute it and chime has already denied my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I officially notified the Credit Reporting Company via certified letter that I had an unauthorized inquiry on my credit report in XXXX  of 2021. 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry was requested repeatedly. 
They neither provided me strict proof or DELETED the item immediately!! This is the official second notice. If they do not delete the inquiry in 15 days I will take legal action. 
Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter and submit their reinvestigation information proof. 
If they ignore this notice and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to send notice to the Attorney General for further scrutiny of this matter. The credit reporting company received my request/demand to provide proof that I have given the authorization to pull my credit on the following hard injuries that follow : XXXXXXXX XXXX XXXX FinanceXXXXPersonal XX/XX/2021 XXXX Finance/Personal XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX MiscellaneousXXXX 2021 They have not responded to my request and now are in DEFAULT. 
They must immediately remove any derogatory reporting to the credit reporting agencies because they are causing defamation of my character and I will be forced to take legal actions against this credit reporting company. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal actions against them. 
**Immediately remove any derogatory reporting or consider this as contrastive notice of impending legal action. ***