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

XXXX XXXX and Experian have been reporting inquiries that I do not give permission for these companies to report on my file. thats fraud, identity theft, and a violation of the privacy act of 1974. the CRAs are in direct violation of federal law to report these inquiries. 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. '' XXXX, Experian and XXXX are consumer reporting agencies 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 XXXX  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. '' ( Furnisher of information to credit agencies ) is 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent.
Product: Checking or savings account

i was notified today that my bank accounts were being closed on the XX/XX/year>2025, however they did not notify me prior to this, despite them stating they sent a letter in the mail 45 days prior calling and emailing provides no information whatsoever and a visit to the branch gives me no indication or clarity on the situation
Product: Credit reporting or other personal consumer reports

XX/XX/23 Opened XXXX XXXX XXXX at a store location through customer service. 

I never received the credit card or credit card statements. 

XX/XX/23 I contacted XXXX XXXX card services to report that my credit card was never received. Customer services representative updated my address on my profile. The address on file was incorrect, so the credit card and statements were going to the wrong address. Customer service stated that my account was more than 30 days past due. I immediately paid the account and requested that the late payments and late payment reporting be removed from my account and credit report. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 TD Bank XXXX XXXX XXXX XXXX sent a letter stating that all reference to late payments have been removed and removal has been reported to XXXX, XXXX, XXXX and XXXX. 

XX/XX/23 XXXX XXXX XXXX XXXX XXXX after contacting all four credit bureaus because the late payment reference had not been removed from my credit report. Customer service representative stated that they would send the information to remove late payment reference. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 XXXX XXXX XXXX XXXX XXXX again because because late payment reference still not removed. Customer service representative stated they would review my account again. I requested the employee 's ID number. Employee refused to give me any confirmation number of action or their employee ID number. Requested to speak to a supervisor, who also just stated that they would review my account. Supervisor refused to give me their ID number. Supervisor would also not transfer me to a higher level supervisor. The supervisor, XXXX, stated that she would sent the request to all credit bureaus to remove the late payment charge. She would not confirm that I would receive a response from XXXX stating that such action was taken, nor would she provide me a confirmation number or anyway to follow up on this outcome.
Product: Mortgage

Regions Mortgage told me they paid my property taxes in XXXX, XXXX. In XXXX, XXXX I received notice from XXXX XXXX ( NC ) that mt taxes were delinquent, I contacted Regions Mortgage and I found that they paid taxes on the wrong parcel. in the following two months I have received notices from the county threatening me with a tax sale and Regions will not pay the tax even though they been collecting money to escrow for that purpose. I got a phone calll today from Regions XXXX Department telling me that theyre looking into the issue with no indication that they will resolve it anytime soon.
Product: Mortgage

To Whom It May Concern : On XX/XX/2021 I received an voicemail call from a XXXX from a Selene Finance. XXXX asked for me to call her back. I called the number back at the number she gave on my voicemail ( XXXX ). I got someone else on the phone asking me for my account number & social security number. I informed them that I do not have an account number with your company & that I do not give my social security number to no one. 

The person informed me that I do have an account with Selene Finance & wanted to verify my home address. I reluctantly gave the person my home address & then they asked for my account number & SSN # again. I told them again that I do not give my SSN # to no one & that if the lady XXXX called me & asked me to call her back you should just transfer my call to her being that you can see that she called me & wanted me to return her call back. 

The person said that I do have an account with Selene Financial & that I will need to give him my account # or SSN # to see who called me & that I should contact my current lender to get my account information for Selene Financial. I contacted my current service provider & they informed me that my account did transfer to Selene Financial, but they do not have my account number tied to this Selene Financial account.

This company Selene Financial is pathetic! How are you going to conduct legit professional business if you enquire an new account from another company & do not even mail no correspondences out to the account holder introducing yourselves & provide an account number to the account at hand. And then have the audacity to call me asking me to call you back & when I do you want me to provide you my account number to you? Ridiculous! 

Then I tell you that someone ( XXXX ) from this number & asked me to call her back & you would not even assist me getting back in touch with XXXX which asked me to call her back on my voicemail & she did not mention nothing about a account number on my voicemail to reference the call back to. 

I looked this company Selene Financial up prior to typing this complaint & I see why this company has terrible reviews with the XXXX  & on XXXX. I have not even started yet with this Company & already have an unprofessional negative experience.

Take note Selene Financial how about sending out welcome packets to your new accounts letting them know 30 days in advance what has taken place prior to calling someone. That's what professional companies do. And when that person calls you back you do not want to assist when you actually called the person first. 

I need some correspondence sent to me with my account number on it. You should have did this 30 days ago prior to calling me. How can anyone conduct business with this company if you never sent no correspondences out. Get your act together! 

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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In one section of my credit report they have my name and address wrong. I've never spelled my name like it shows in the report and I've never lived at one of the addresses it shows either. They also have some of the companies & the dollar amounts listed 3 and 4 times ... ... .. That's ridiculous!!!! All that does is make my credit look worse than what it actually is!!!!!

There's also some companies still listed on my report that I have already filed bankruptcy on 7 or 8 years ago and some 10 years ago that are still on there and they shouldn't be!!!!!! It doesn't matter if a person tries to do the right thing or not because the government is going to do what it wants too anyway  regardless if they hurt that person 's feeling or mess up their life to where they are not able to buy anything or if that person tries to safe face from getting embarrassing phone calls or being told they are going to get sued!!!! You know things do happen in life that we can't control, like getting hurt in an accident to work you're not able to work or pay your bills ... ... Or your child is diagnosed with XXXX and you have to be the one to take care of them ... ... but you see the creditors or banks or government or whomever ; they don't care what you're going through, they just want your money. What really gets me is ... ... the creditors are stupid enough to tell you to borrow the money from whomever you have to pay your bills. ... .... all that does is make things worse!!!!!!!! Needless to say I have been working on trying to get my credit scores up for the past 4 or  5 months. It has come up several points!!!
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 Equifax 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 and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank records, the payment was made on time, and there should be no late payment reflected in the report. I have enclosed bank statements showing the exact date of the transaction. 
XXXX XXXX XXXX : The creditor accepted the payment but failed to update their system promptly, resulting in an unjustified late payment entry. I have included communication from the creditor acknowledging the delay on their end. 
Miscommunication from Creditor : There was an error in the creditor 's communication about the payment schedule, which caused confusion about the due date. This confusion was acknowledged by the creditor, and I have included the relevant correspondence as evidence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 XXXX, 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 card or prepaid card

On XX/XX/ I called XXXX XXXX to pay for seat changes for 3 passengers on the same reservation. The representative told me that my total purchase was {$280.00}. I charged the purchase to my XXXX XXXX retail card issued by Citi Retail. Citi Retail offers 6months promotional financing on purchases of {$150.00} or more. When the purchase posted to my account it was posted as 3 separate transactions XXXX, XXXX, & XXXX therefore excluding me from the promotional financing. I sent Citi Retail a secured message through my account center on XX/XX/. They told me to call Citi Retail customer service. I called and they refused to fix the issue.
Product: Credit card

I bought a computer from XXXX through my Paypal credit card by going on the website and chatting with the Representative. I was having to return the original computer because the trade in was not processed properly. The Representative created the cart for me but the price was wrong. It was some XXXX higher then it should have been. The Representative assured me that the difference would be refunded to me when the trade-in went through. I hesitated, and asked him to double check. He assured me that the difference would be refunded. The difference was never refunded. I called XXXX and they said it was because I didn't create the order under my account. When I pointed out that the XXXX XXXX created the order, they said they could file an appeal. I said that was never the agreement. I was lied to in order to create a sale. And paypal has not followed up. They're " investigating '', even though the transaction was in XXXX. They need to give me an answer and I need the refund I was promised by XXXX. They just charged me XXXX XXXX more then they promised. And paypal has done nothing but maintain silence.
Product: Credit card or prepaid card

I was charged {$41.00} as interest. 
When I talked to amex they said it was a late fee. Bill was due XX/XX/2023. I never received bill. I received bill XX/XX/XXXX after talking to XXXX at amex. The bill was sent in one envelope and a duplicate bill in another envelope... both received XX/XX/XXXX. I paid the total bill ( including the XXXX ) on XX/XX/XXXX. I asked XXXX to send me a check for the XXXX. He said he would ask ..... 
I don't think I owe amex {$41.00} as I never received a bill
Product: Credit reporting, credit repair services, 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. 


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 has violated my rights. 

XXXX5 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 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, credit repair services, or other personal consumer reports

I have a loan with XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, and NATIONAL CREDIT ADJUST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, and NATIONAL CREDIT ADJUST with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$2900.00} XXXX  XXXX Balance : {$32000.00} XXXX  XXXX Balance : {$33000.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$5300.00}
Product: Money transfer, virtual currency, or money service

My complaint is with PayPal who advertise BUYER PROTECTION. I purchased items that came to me " not as described '' and after many attempts to resolve the issue with merchant ( details attached ) I filed a dispute with PayPal. I left message after message for someone from PayPal to call me or text me but they never did. I do not believe they read my messages because they sided with the merchant and did not return my money.The company that I purchased from was Minisweater and on the PayPal statement was best-deal and email was XXXX MY letter to PayPal The items that I purchased and received were not as described. They were 6 sizes smaller than their size chart showed. Example a XXL was like a size 2. The quality of the fabric was not as described. I am sending copies of some of the many email attempts to work out a return and I just keep getting the same computer-generated auto responses. To send an order # and pictures of the items. I did this many times. The latest surprise is that they want me to mail merchandise to a warehouse in XXXX which would cost near {$100.00}. Then they would review and afterward they would send a refund. It seems like a major scam. 
I believed this company was in the United States like they advertised, and that shipping would be as promised, then to find out they are in XXXX. 
Their website and email address are now shut down. 
I am again sending pictures of a measured shirt that is tagged XXL.

REVIEWS IN THE LAST FEW WEEKS THE SAME AS MY COMPLAINT. 
XXXX XXXX | Read Customer Service Reviews of ...

XXXX review minisweater 1 ) This company is a scam they will not ship your order nor refund your money! they will send a tracking number which will never be anything other than a created label according to the USPS! Do NOT buy from this company! XX/XX/2021 2 ) Horrible quality and missing items : Took over a month to receive. Very poor quality. Items missing from order though it states they were all delivered. Very thin material and horribly sewn. 
3 ) Awful Company : This is a XXXX company ; they took months to send the shirts I ordered. When 2 of them came they were 4 sizes too small.
Product: Checking or savings account

Hi there, On XXXX XXXX, I tried to log in my Penfed credit union application ( I have their checking and saving accounts ), but when I logged in, it shows : '' Your online access is currently blocked '' ( XXXX XXXX ). Then I called this number and an agent told me due to " unusual activities '', my account will be indefinitely restricted and they were not able to disclose the reason. And the only solution to end this situation is that I have to tell them I want to close my account, then they will close my account and mail the check of my current balance of my checking and saving account to me. I told I want to talk to their supervisor from associated staffs to figure this out and tried to unlock my account, but they said they are just regular customer service and the associated staffs were not allowed to speak to their customers. Then I told them I don't want my account to be indefinitely restricted and asked regulart phone customer service to convey my request to their supervisor and called me back when they had further updates. 

I used Penfed checking account mostly for paying for my credit card ( XXXX, XXXX, XXXX ) and I used this account very regularly. I've been a Penfed memeber for more than 2 years. ( XXXX XXXX ). All of the sudden, this happened. And unfortunately, till now, If I try to log in, it still shows " Your online access is currently blocked '' ( XXXX XXXX ). And I never receive their call back. It's already over a month and I really want to get this settled. And you can see the attached XXXX XXXX, 2 days ago I can still receive their " Happy Birthday '' email, which means my account is still exists. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was denied my loan because there is litigation against the HOA of the property I was purchasing. I had requested a letter to be corrected, as the original letter states it is due to my credit score ( XXXX ) and my finances. My loan agent had all the paperwork and was preapproved for the loan. The f/u letter I received stated they did not have my paperwork to the final person and therfore, my letter does not show that my finances were in order and the denial is due to the HOA litigation. .... US Bank has the paperwork which shows my finances and low debt-to-income ratio, along with my credit rating. They sent me a " standard form letter ''. The reasons for not giving a proper letter are due to US Bank not submitting to their own department in a timely fashion to issue a proper letter I am in need of a proper letter of denial to show for litigation purposes against the agent, seller, and inspector to recoup monies lost.
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 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 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.