23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite all my efforts to have the accounts corrected and or updated, for I believe they are reporting erroneous information on my Credit File, the Credit Bureaus opted to ignore my written requests and not comply with the FCRA regulations. Upon reviewing my updated Credit Report, it is clear tha the Credit Burueas have done their best at nothin! I have read that the Credit Bureaus are required to verify the authenticity and valididy of the information that each account reports. The information reported are outdates, erroneous, and misleading. I am now submitting this complaint to protect my rights from the indefference of the Credit Bureaus. I need the following accounts corrected as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with FCRA regarding XXXX XXXX and their response was not true or acceptable. They have failed to identify the charges and the slander further more The account is charged off, after the investigation XXXX XXXX was not only refused to own up to bank error and do the right thing. I have enclosed the many error they have made on my credit report. after the investigation he continued to slander my credit report with Late payment on charged off closed account up till the present day. How is a charged off closed account according to the FCRA rules fit into his action. It is illegal and it shows some serious arrogance and demonstrate discrimination and bullying. This Complaint as I am submitting the attached XXXX report where he took it upon himself to break the law again! This behavior shows bullying and have the sense they are above the law! I demand that his behavior faces the right penalty
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit from One Main Financial and was turned down. Later over the next 2 months my credit was run again and again. 

I sent them a letter and they never responded. I called their local XXXX office and they didn't know what I was talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : I am writing this complaint, because I have been trying to get a 30 day late payment off of my credit report. Ginny 's has been reporting a late payment on my account since XX/XX/XXXX. I have disputed this issue with the credit bureaus, XXXX XXXX and XXXX, it does not show up on XXXX. I have called and have spoke with several different representatives and have been told that this account can't be undated, corrected, or changed with them and was directed to the credit bureaus. And was told the same from XXXX and XXXX XXXX both say verified in the response. I spoke with someone on XX/XX/XXXX and asked to have the notes from that conversation to be sent so I could include those in this complaint. As of XX/XX/XXXX. That is the day I started this claim, I checked my XXXX account, and it is stated that my account with Ginny 's has been closed. It won't even show on my XXXX XXXX account. I called, and spoke with XXXX, asked about notes from the XX/XX/XXXX call, she said no call was on file for that date. Ask no call? Was told the last time it shows I called was in XXXX of XXXX, she also stated that my account was closed on XXXX of XXXX, and the last payment that they received was XX/XX/XXXX I asked several times are these dates accurate, and was told yes. I asked to speak with a supervisor ( XXXX ) which she told me I needed to call back and speak with someone in the credit dept since they were closed. I ask was the account open and active, she said yes. So I asked to place an order and was advised that their maybe a hard inquiry if I did, even though she said that my account was open and active. I find it very stressful, exhausting, and a bit frustrating at times to speak to so many different representatives and get different answers and reasons why my account is reporting late and nothing can be done. And now to look and my account is closed, so much more damage to my credit report, than that 30 day late now. Payment history, age of account, tradeline. It feels like retaliation to my calls and disputes. This claim is to get this issue corrected, and also to help anyone to avoid going through this situation. Thank you in advance.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account XXXX : XXXX XXXX XXXX XXXX of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto pay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to1022.142 ( b ) ( 6 ).
Product: Checking or savings account

In XXXXXXXX XXXX XXXX I had a checking and savings account with USA a bank I received a rent relief check and deposited in my checking account, it cleared with no problem but then they placed a hold on both accounts and would not tell me why. It has been 2 years since they originally placed a hold and they have done nothing both accounts remain frozen they have no reason or excuse and they have no means of explaining when this will come to an end.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I opened an account with XXXX XXXX XXXX Synchrony Bank ), in XX/XX/XXXX I was told that the account was closed. I opened this account with XXXX XXXX because I needed new furniture as my family was expanding so I went to the furniture store to buy a bedroom set. It was suggested to me by the sales clerk to open a line of credit which I did and I was approved for {$10000.00}. I purchased my bedroom set and went on auto-pay for my monthly payment. 
In XX/XX/XXXX we got a bigger apartment and decided to get a living room set to accommodate the family, so I went back to city furniture to utilize some of the credit that they had given me. I continue to make monthly payments as indicated in my contract. 
In XXXX of XXXX, I decided to log into my account so I could put more money into my monthly payments but found out that my account was closed. I called the bank customer service several times to figure out why my account was closed. I was transferred to several different department heads who were not able to explain to me why my account was closed and instead redirected me to one of the credit bureaus XXXX. 
When I contacted XXXX and got an updated report of my credit all three bureaus are reporting me in good standing. I went back to Synchrony Bank and tried to get some answers as to why they are negatively impacting my credit by closing the account to which they have not supplied to me. I am filing this complaint to get my credit reestablished with the bank as I am looking to purchase at home and this action is impacting me financially. 
I have attached a copy of my credit report showing me in good standing with my payments and my identifications. 

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

XXXX, XXXX, and Equifax have violated my rights. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information with any third party people. 

These are clear violations of my federally protected consumer rights.
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. Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX # : XXXX, XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX 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.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I hope this message finds you well. I am a XXXX  and work in XXXX XXXX I am reaching out to address a critical issue related to my PayPal account. 

On the evening of XX/XX/XXXX, at around XXXXXXXX XXXX I received multiple email confirmations from XXXX  for orders purportedly placed through my PayPal account. These were unauthorized transactions, and upon logging in, I discovered several XXXX transactions totaling over {$8000.00}. Someone purchased XXXX puffer jackets from XXXX and ordered them to be shipped to XXXX, XXXX. 

I immediately initiated a dispute through PayPal ( Case XXXX XXXX XXXXXXXX ). Due to this being at night time, I was not able to get a hold of any paypal representative and the paypal website only allowed by to open an online dispute. 

Taking swift action, I changed my PayPal password and removed my card/bank information. The following morning, I engaged with PayPal customer support, RECORDING THE ENTIRE CONVERSATION. I was reassured several times by the customer support that they have made a note of my phone call and the transactions will not be allowed to go through and that I am " fully protected against this fraud ''. I actually also called lululemon customer support and provided them details of the issue and they also assured me that they will take action to rectify the situation ( they did not ). I have the recorded call from XXXX as well. 

However, later that day, paypal allowed all pending transactions to proceed, leading to a negative balance of approximately XXXX XXXXs of XX/XX/XXXX. 

I find it perplexing that, despite all of these transactions happening at the same time and with the same merchant, PayPal categorized some transactions as unauthorized while deeming most of the remaining others as authorized, resulting in the accrual of a significant owed amount. 

I am seeking immediate clarification and resolution. The discrepancies in PayPal 's handling of the dispute, coupled with the resulting negative balance, are causing considerable distress. I implore you to thoroughly investigate and rectify the unauthorized transactions. 

Paypal has a policy of sending such cases to debts/collections department after XXXX  days of negative balance in the account and I feel that I should not be liable for this as it was paypal 's poor handling of the case that led to this. On my end, i did my due diligence and reported unauthorized transactions to paypal IMMEDIATELY and while they were still pending. 

Dispute cases opened ( and closed by paypal without proper review ) : XX/XX/XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regards
Product: Debt collection

This is an update with additional information in reference to a case I already have open with CFPB. It 's [ Case number : XXXX ] Around XXXX on XXXX XXXX 2016 Clay from Ashton & Weinberg called my dad & asked him if I was his daughter or daughter in law. After my dad told him I was his daughter. He proceeded to ask my dad if I am on his mortgage. My dad stated he is not going to talk about this information with him. He told my dad this is in reference to a civil suit. My dad said my daughter had already spoke with me & said what you are doing is illegal. XXXX offered his number to my dad but my dad was driving & declined. He called my dad again two more times on XXXX seperate occassions. He left a voice mail with my information along with his name & number for me to call him on my dads voicemail. The second time my dad answered again he was questioning about me & asked if I planned on settling this issue. First off they should n't be calling my dad let alot asking him questions regrading it. This is harassment & needs to stop.
Product: Mortgage

I am currently in the process of refinancing a loan through XXXX XXXX, my current provider is PNC. As part of the underwriting process XXXX requires that i show 12 months of statements from my PNC account, when i contacted PNC 4 weeks ago they stated they can not provide that information and I need to login to their site to get my statements, they proceeded to tell me i needed a pin to create an account they said it could take 5 business days. When 5 business days went by i called them back they stated i must have missed it?? so they supposedly sent another one again after 5 more days no pin so i called back to speak to a manager which to my surprise was not present at the cll center so again i requested a pin, another 5 days went by and no pin. My next step was to go to the local branch according to the local branch they were on a different system and could not provide statement regarding mortgages. It has now been over 4 weeks since my first request andI still can not access my statements no one has followed up and i feel as though i am being held hostage given i can not provide the necessary required info to refinance this is unbelievable that this kind of thing can happen. Given the review i have read this seems to be common practice for this organization and should be addressed ASAP.
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 XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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

XXXX XXXX, XXXX I was on-line this date putting credit freezes on my and my wife 's accounts and had no trouble with XXXX and XXXX but when I tried to use the Experian website I was unable to complete the process. They denied my attempt and said I have to submit my request in writing. I imagine the reason I was denied was either because we have two homes in different states as we are in the process of retiring and relocating or because one of the questions they asked me appeared to be based on incorrect information on their part, it was obvious how it was meant to be answered but I answered it correctly it apparently did not correspond with their poorly assimilated information. 

I tried to call but there does not seem to be a way to speak directly with a customer service representative at Experian or even an available email address with which to try and straighten this out. I have to admit that following the revelation of XXXX XXXX  incompetence I am not amused at the lack of professionalism at Experian.
Product: Credit card

This is a follow-up to Case Number XXXX. 
I spoke just now with a customer service representative with American Express, in response to an email requesting that I call. 

The issue ( AGAIN ) was the amount allegedly due on my Amex Blue CASH card, now cancelled by Amex. I explained ( AGAIN ) about the XXXX proofs of payment I mailed in XXXX XXXX and again in XXXX XXXX. I told her the results of the XXXX investigation : " everything is fine. You may use your card. '' I made a charge in XX/XX/XXXX. In XX/XX/XXXX, proving that I had been able to use my credit card because the question about the missing payment from XX/XX/XXXX had been resolved. 

The customer service representative told me : 1. " There are no notes in your file about any investigation. There are no case numbers, no dates of investigations. '' 2. " According to your file, you have not made a payment on this account since XX/XX/XXXX. '' 3. " There are no notes in your file about any refund check. '' I am completely outraged by the incompetence of American Express. They have the nerve to harass me about a grossly overdue payment, but have erased all evidence of the investigations and the documents I submitted for XXXX investigations. 

I should not be made to suffer because of their incompetence.
Product: Debt collection

Synerprise consulting services ( SCS ), is still reporting a medical collection debt that i am not responsible for. I contacted insurance company XXXX XXXX XXXX XXXX whom provided the XXXX showing no patient responsibilities and instructions to the XXXX company to properly submit paperwork for payment. I emailed SCS the XXXX per their request, to date no response. I placed a follow up email with no response and called them on XX/XX/2025. The response was person handling my account is out of office and manager unavailable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit company have violated civil laws. I wasnt able to get credit loans due to the pandemic. You have hurt my ability to obtain credit no SBA loans nothing due to this company FCRA I.
Product: Checking or savings account

Hello, I've been a Bank of America customer for over a decade. Recently, I required a bank statement from a few years ago for an important personal matter. On XX/XX/year>, I contacted a representative, as the statements were unavailable online. After an hour-long call, I discovered my account had been closed and reopened without my authorization. Additionally, an unauthorized individual was added to my account. The representative stated that the issue couldn't be resolved over the phone, and I was unable to obtain the required statements or proof of account closure. Consequently, I incurred fraudulent charges, unlawful overdraft fees, account maintenance fees ( over the entirety ), a loss of the {$2500.00} I desperately needed ( XX/XX/year> ) my credits and rewards that had just disappeared and much more. Bank of America has incurred me significant costs over the years, with this recent experience being particularly disappointing!! 

Beware of this Bank!!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly invesitgate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request CFPB take action to ensure Equifax complies with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to an inadequate customer service and unfair practices, which violates the Consumer 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 Electric 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: Checking or savings account

I own a retail establishment that offers a store credit card to my customers. Synchrony bank is the company that processes these transactions and distributes funds to my bank while charging the transaction amount to the customer ( they receive a credit card with the amount of the transaction charged to it ). On XX/XX/year>, I logged into my client portal on the synchrony website and processed a transaction for {$1800.00}. The transaction was approved, the approval page loaded showing the approval and authorization number. On XX/XX/year> I received a letter in the mail from Synchrony stating that " Synchrony Bank will no longer offer consumer financing and credit card processing to you location effective XX/XX/year> ''. When I contacted synchrony bank inquiring about the letter and the funds that have yet to be deposited, they informed me that they closed the account due to lack of activity and will not honor the transaction because they stopped servicing my account on the same day the transaction was made. I am fine with the low activity closing of the account but at the time of the transaction, I was not made aware that the account would be closing. I assumed the traction was approved, thus services were paid for and the transaction between me and my customer was finalized. XXXX will not deposit the funds into my bank account.