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

Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at personal credit card account open at XXXX XXXX  XXXX  XX/XX/XXXX under the account number ( private ), an auto loan account open at XXXX XXXX XXXX XX/XX/XXXX under the account number ( private ), a person loan open at XXXX XXXX XX/XX/XXXX, Personal loan XXXX XXXX XXXX  in ( private ) that appears related to the aforementioned personal loan account opened at Pentagon Federal Credit Union. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

In XXXX, 2015 while at work, I received emails and phone call from M & TBank stating there was suspicious activity on my account. When talking to the young lady from the bank she said a purchase was being made at XXXX in my area for {$400.00}, I said I am at work and I initially thought one of my clients stole my card from me. I immediately left work to try to get to the bank before closing, and I found that my debit card was actually in my car arm rest where I left it a few days prior. I asked the bank officer how could someone make purchases with my card when it was in my car. He said that people are able to steal your identity and scan your card to make duplicate cards. Because of fear of more frauduelnt activity, I looked at all of my credit cards and bank statements and found that no other activity was observed. I also filed a police report. The money was credited to my accoung within 10 business days, however as of XXXX XXXX, 2015 the money has been taken from me again and now there is overdraft fees accruing on the account. I have talked to several representatives and no one has offered any real resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX credit card issued in end XX/XX/XXXX and by XX/XX/XXXX, I called in and I paid the balance of {$410.00} ( shown in my XXXX XXXX XXXX  checking account attached on XX/XX/XXXX when the money was charged from my bank account ). 
Also, in the same day I called in, I closed my account XX/XX/XXXX. 
If you noticed from the attached credit bureau 's credit report it shows that the account has been " CHARGED OFF '' STARTING '' starting from XX/XX/XXXX till XX/XX/XXXX!!!! 
I made several dispute through the 3 main credit bureaus ( XXXX Transunion, XXXX  XXXX and the first disputes for each, ended that what is mentioned in the report is correct and that XXXX notified them that the info they provided is correct under oath!!! 
However, Transunion, came back and say there was an error in the reporting, but still there was " DISCHARGE '' for tow month after I PAID OFF my account in full and closed it myself.!!!!!! pls tell me how his works to discharge something that doesn't not exists!!! 
Then I called the XX/XX/XXXX themselves, and they promise to fix the problem with the 3 credit bureaus, but instead I received an email form them ( attached ) stating that the problem is not from their side, it is the 3 credit bureaus, they are the ones entering or interpretation wrong!!! 
So I replied to theXX/XX/XXXX email ( attached ). 
after I called XXXX again and make another dispute and the guy answered, he said he don't understand what is going on but I have to wait till the dispute is over, which yesterday I received a notification form XXXX stating that the reporting is correct and will stay on my report!!!! 
You have all the proves that what I am saying is correct ( attached ) and even the credit card company is not disputing these facts at all XXXX that it has been paid in full and that I myself closed the account and the account was never been discharged. 
Please note that all this happen in late XXXX and beginning of XXXX ( ended XX/XX/XXXX ). 
Kindly, I need your help and assistant in solving this matter especially and as you can see in my other open CC account, I am paying my payments on time " exceptional '' as the credit bureaus stated in their report and this paid in full and closed in time, XXXX cc, is the only cc showing " delinquent ''.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C. 1781 section 602 A. States I have a 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

To whom it may concern I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! XXXX, XXXX, and Experian are in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), 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.I did not GIVE ANY WRITTEN instructions to FURNISH a late payment from XXXX on my CONSUMER REPORT! The late payment came from a fraudulent purchase that was made while I was incarcerated and eventually incurred a late payment. Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. Which is an INDIVIDUAL ( me ), and the person making the REPORT which is XXXX, Experian, and XXXX. So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for inaccurately reporting a disputed debt from XXXX XXXX XXXX ( XXXX ) for {$800.00}. The credit bureau has violated the Fair Credit Reporting Act ( FCRA ) by failing to ensure accurate and fair reporting of this account. 
Violations : Failure to Update Dispute Status : * The account is reported as " not disputed '' on TransUnion, even though I formally disputed this debt. 
* The failure to update the account 's status violates the FCRA 's requirement to maintain accurate and complete information. 
Inconsistent and Inaccurate Reporting : * The account is reported as " XXXX XXXX '' ', yet its status varies between " Open '' and " Closed '' across the bureaus. 
* TransUnion has failed to properly investigate or validate this debt despite my formal dispute. 

This inaccurate and incomplete reporting has caused significant harm, including : Damage to my credit score, affecting my ability to qualify for a mortgage or secure credit with favorable terms. 
Emotional and financial stress due to the ongoing inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used information to obtain XXXX XXXX XXXX   account # XXXX on XX/XX/XXXX, XXXX XXXX XXXX account XXXX on XX/XX/XXXX, XXXX XXXX account # XXXX on XX/XX/XXXX
Product: Credit card

Complaint Letter to CFPB Against Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Regions Bank for Unlawful Denial of Credit Application To Whom It May Concern, I am filing this formal complaint against Regions Bank for unlawful and deceptive credit practices in violation of the Equal Credit Opportunity Act ( ECOA - 15 U.S.C. 1691 ), the Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681 ), and the Truth in Lending Act ( TILA - 15 U.S.C. 1631 & Regulation Z ( 12 CFR 1026 ) ). 

XXXX. Background of the Complaint On XXXX, I submitted a credit application to Regions Bank for REGIONS VISA PERSONAL CREDIT CARD LIFE/PRESTIGE/PREMIUM/CASH REWARDS. The application included the stated Annual Percentage Rate ( APR ), fees, and finance charges in accordance with TILA regulations. I reviewed the terms, signed the application, and submitted it for approval. 

Regions Bank then conducted a hard inquiry on my credit report, which constitutes a legally binding step under FCRA and TILA. However, after running my credit, they wrongfully denied my application which is an improper basis for denial at this stage.

2. Legal Violations by Regions Bank a. Unlawful Denial After Pre-Approval Violation of ECOA & TILA Under ECOA ( 15 U.S.C. 1691 ( d ) ), once a creditor issues terms and allows the consumer to sign an application, they have conditionally approved the credit, pending only identity and fraud verification.

If the creditor denies after listing APR, fees, and finance charges, they may only do so for identity mismatches, fraud concerns, or legal ineligibility ( e.g., underage applicants, OFAC watchlist, incorrect SSN ).

Denying me based on my credit score, debt-to-income ratio, or recent inquiries AFTER providing pre-disclosed terms constitutes an unlawful revocation of an approval, violating TILA ( 15 U.S.C. 1631 ) and Regulation Z ( 12 CFR 1026.6 ).

b. Improper Use of Credit Report Violation of FCRA ( 15 U.S.C. 1681b ) Regions Bank accessed my credit report under the pretense of approval, but then used information from the report ( e.g., low credit score or existing debt ) to retroactively deny my application.

FCRA requires that a hard inquiry only be conducted when there is a permissible purpose, such as extending credit. If the application contained pre-disclosed terms and was signed, Regions Bank had already committed to extending credit, meaning they can not legally deny it based on creditworthiness after the fact.

c. Failure to Provide a Proper Adverse Action Notice Violation of ECOA & FCRA ECOA ( 15 U.S.C. 1691 ( d ) ( 2 ) ) requires lenders to provide a specific reason for any denial.

If Regions Bank cited a vague or incorrect reason ( e.g., too many recent inquiries or insufficient credit history ) instead of an actual legal basis ( e.g., identity mismatch or fraud concerns ), this constitutes a failure to comply with federal adverse action notice requirements.
Product: Credit reporting or other personal consumer reports

This company was requested to provide a full record of accounting per ( ucc 9-210 ). They have not provided any note or signature on anything that is original. I do not know who these companies are nor did i give any consent. This is fraudulent concealment.
Product: Money transfer, virtual currency, or money service

PayPal closed. Y disputed claim and stated they sent me an email on XX/XX/XXXX to escalate the complaint within 20 days. The e mail was not received in my inbox.
Product: Vehicle loan or lease

Carvana XXXX XXXX, is stalling on picking up a vehicle, that I have been trying to return for since XX/XX/XXXX, two days after I picked up the car, I called and spoke to them and let them know that the tan interior of the car was dirty, the drivers side inside of the door, was not represented in the pictures, the inside rear view mirror didn't turn., the breaks were squeaking, the informed me to look for other cars we picked a XXXX the XXXX XXXX payment was over {$950.00} a month, they ran my credit again and told me if I swapped the XXXX for the XXXX it would not be possible, because my payments could go any higher than XXXX $ I told the finance person that was stupid, Im already gon na pay over {$900.00} for the current vehicle, he said After the credit check 3 days after I picked up the XXXX XXXX told him, never mind, he then had a woman help me for two hours looking at vehicles as I sat on my phone, she was suppose to call me back in 2hours never did, I was running out of time as I had seven days to return the XXXX on XXXX, XXXX, I told them I want dto return the vehicle and was assured someone would call me the next day, I never spoke to anyone, On the XXXX seven days After I received the car, I called and their was a 4 hour hold time, which I help for 46 minutes and the call dropped, I called back, and they said no escalation ticket had been created, I called the XXXX they said, an error had prevented them from scheduling a day to pick up the car, on Saturday the XXXX I called and was transferred, on Sunday the XXXX I spoke to man named XXXX who said he saw that I had been trying to return the car, and that he saw the evidence of all my phone calls and that the ball had been dropped several times. Today which is XXXX ; XXXX XXXX, I spoke to XXXX who informed me that it would take a minimum of 5-10 days for caravan to pick this car up, that he saw all the errors and that another ticket was being created. I told him that isn't acceptable, As I have been trying to return this car for over 12 days, he read through the notes and apologize the gave me arcana Headquater address, I informed him that I was gon na write the consumer financial protection bureau, because I have this car insured and I have reached by 400 miles, I was informed that the were extended it to 600 miles by XXXX, XXXX, and the young lady from Saturday. I don't know what else to do. I am have tried, their are several notes in the computer, extensive notes about me calling, and XXXX informed me he saw that I had been diligently trying to return this car, I am a XXXX XXXX veteran, who suffers from XXXX XXXX  and XXXX XXXX, I am frustrated and find it very unkind, that the will not e follow through, and that I have to go to this length to have them come get this car, 5 business days from now is the first week of XXXX and 10 would be the second week of XXXX, that I have a car I have to keep insured, not driving AT ALL, which is crazy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. These accounts are reporting inaccurate! 

XXXX XXXX XXXX -- -- {$480.00} XXXX XXXX -- -- {$85.00} XXXX XXXX XXXX -- -- {$58.00} XXXX XXXX XXXX -- -- {$59.00} XXXX XXXX XXXX -- -- {$140.00} The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate.

This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an account without my written Instructions.
Product: Credit reporting or other personal consumer reports

On XXXX and XXXX, and XX/XX/XXXX, XX/XX/XXXX .I sent certified letters to the credit bureaus and they were notarized. in reference to inaccurate information and reporting on my credit report. The bureaus have failed to respond to my request and provide me with the method they used to re investigate this matter. Keeping mind this is not my first request. It seems that the Transunion, XXXX and XXXX has failed to acknowledge prior request. Their practices are unethical as well violating my consumer rights per FCRA sections, 15USC 1681i, 15USC1681i ( 5 ), 15USC1681 section 602 A, 15USC1681 section 604 A section 2, and 15USC1681c ( a ) ( 5 ). The following accounts listed below have not been accurately reporting which includes but not limited to, incorrect opening and closing dates. last payment dates and other relevant information. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX reinserted on credit file XX/XX/XXXX, was not notifed within the XXXX ) XXXX. XXXX XXXX # XXXX ( XXXX XXXXXXXX ) I have attached the letter that was sent to each bureau as well the certified receipts.The credit bureaus have disregarded all my request in which has extremely violated my consumer rights and had negative effects on my credit which has blocked me from obtaining decent housing and providing for my family.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires on my credit report and wish to have them removed. references include. 
CAPITAL ONE AUTO FINANCE Inquired on XX/XX/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 XXXXXXXX CA XXXX XXXX 15 U.S. Code 1681 section 604 A SECTION 2 15 U.S. Code 1681 section 602 A - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
Product: Credit reporting or other personal consumer reports

The duty pursuant to the FCRA, it EXPERIANs to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payment for the XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to XXXX XXXX. XXXX ( d ) ( XXXX ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating XXXX XXXX. XXXX ( a ) ( XXXX ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate reporting of late payments on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Product: Credit card or prepaid card

I was illegally evicted from my apartment and forced to take everything I could fit into my car and stay in Hotels in XXXX California. As it was high season I had to change hotels almost on a daily basis. There are numerous charges duplicated on my credit card. I have not only been charged by XXXX, XXXX and XXXX but also at the hotels. They are only supposed to take my credit card number to hold the hotel room for me until I arrive but I have been debited twice for the full stay. This adds up to thousands on my credit card. My credit score has dropped from XXXX to less than 600 and I can not get an apartment without a credit score of 700+ I'm currently staying with a friend in XXXX XXXX , Ca until I can get this a sorted out.
Product: Money transfer, virtual currency, or money service

I am planning a family vacation and I used Paypal for a few family members to send their money to me that is owed because I am booking it all at the same time. The money is owed to me. Back on XX/XX/2021 XXXX XXXX, my relative, sent me {$5000.00} it took a week for it to be available in my Paypal. On XX/XX/XXXX XXXX XXXX also sent me {$4000.00}. When XXXX first sent the {$4000.00} she accidentally sent it for a " product or service '' so I texted her and immediately told her I will cancel it and told her to send it again as " to family ''. She sent it again correctly this time. Paypal sent me a message on XX/XX/XXXX saying that I need to verify all my transactions, upload a government ID, and proof of address. I uploaded all of that information and they restored my account. They asked me for this EXACT SAME information again a day later and then closed my Paypal account on XXXX with out reasoning. Also holding on to over {$9000.00} in my Paypal account. My family even reached out and advised that the money was sent to me correctly and they still have not released it to me. They have told me that I will have to wait 180 days. That is unacceptable. Nobody has disputed the money and it was never anything fraudulent. This money needs to be released to me immediately in either a check or to my XXXX or XXXX XXXX account that I already have linked to Paypal.
Product: Credit reporting

Approximately 1 1/2 years ago I submitted proof that I have no tax liens against me by suppling Fed tax lien release docs to all three reporting agencies. I also dispute any claims that I have unpaid or delinquent medical bills. There is nothing else that I am late with. I se3nt the letters by certified mail and to date, I have never heard from any of them. I will attach the docs that show the tax releases. I hope you can help me, as I am sure you are aware that it is very difficult to get any response from these agencies. 
Thank you for your help XXXX XXXX