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

Hello yes I have contacted TransUnion do to the unrecognized inquires and misreporting on my report And their customer service would not help and take care of the negative inquiries reporting to my credit report. 
XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureauDoes not repect or follow the Laws of FCRA. 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 XXXX XXXX XXXX. 

XXXX  XXXX BANKRUPTCY : # XXXX XXXX  XXXX BANKRUPTCY : # XXXX XXXX  XXXX BANKRUPTCY : # XXXX XXXX  XXXX BANKRUPTCY : # XXXX All of these accounts listed above has violated my rights According to 15 USC 1681i ( 5 ). However this credit bureau is saying that these accounts were verified for 100 percent accuracy. However I asked them how? when the filing date on each account is wrong. 

I also requested that they provide me proof and a written description of the investigation according to 15 USC 1681i ( 7 ) which they never did. Additionally, according to 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. 

Also, I've learned that according to the following FCRA Laws my rights were purposely disrespected. 

15 U.S.C 1681 section 602 A States that I have the right to privacy. So reporting the inaccurate accounts blatantly disregard my rights. and according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account information without my written instructions and I have not Giving Any written instructions to do so.

These are Serious Violations of my rights. I feel situation is causing me alot of stress because I believe my rights have been violated purposely which makes me loose hope in this whole system. I hope this complaint compels this credit bureau to do their jobs more effectively with the consumers rights being respected.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business which is my e-book store.i started selling on XXXX XXXX. Heres my PayPal account : XXXX has stucked funds amounting XXXX in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and XXXX. 

For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$6500.00} ; XXXX XXXX  XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXXXX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is : XXXX XXXX FIRST NAME : XXXX LAST NAME XXXX. 
EXPERIAN HAS XXXX DIFFERENT NAMES IN MY CREDIT REPORT ON THEIR WEBSITE. 
i STRONGLY DISAGREE WITH EXPERIAN.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding multiple Fair Credit Reporting Act ( FCRA ) violations by Experian. Despite providing proper evidence of identity theft and disputing fraudulent accounts through the CFPB, Experian has failed to correct my credit report. 

Details of the Issues : XXXX. XXXX XXXX was reinserted into my credit report without proper notification, despite my identity theft documentation. XXXX has already blocked this account through the CFPB, yet it continues to appear on my report. 
XXXX XXXX XXXX is reporting three accounts that were sold to XXXX XXXX XXXX XXXX confirmed these accounts were blocked and deleted as of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX continues to negatively report them. 
3. I have submitted multiple disputes and supporting documents through the CFPB and also mailed physical copies, yet Experian has failed to properly investigate and correct my report. 

Requested Compensation : {$1000.00} per violation for the unauthorized reinsertion of XXXX XXXX. 
{$1000.00} per violation for XXXX blocking ignored and failure to remove the account. 
{$1000.00} per violation for XXXXXXXX XXXX reporting deleted accounts despite confirmation from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
{$1000.00} per violation for Experians failure to investigate disputes properly. 

Total Compensation Requested : {$6000.00}. 

Experians failure to remove fraudulent and deleted accounts has negatively impacted my financial standing. I request immediate removal of these accounts and financial compensation for these violations. If Experian fails to comply, I will escalate this case to the FTC, my State Attorney General, and consider legal action under the FCRA.
Product: Student loan

I am writing to request an immediate update on the status of my Borrower Defense to Repayment ( BDR ) application, which was submitted on XX/XX/year> ( Application # XXXX ). I am seeking full discharge of the loans I took out to attend XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. I have been informed that the Department of Education has been reviewing and approving outstanding Borrower Defense applications, and I am eager to know the status of my own case. 

I attended both XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX, institutions that are part of the XXXX XXXX XXXX XXXX XXXX As you are aware, these institutions have been implicated in widespread fraudulent and predatory practices, including the misrepresentation of job placement rates. The claim that 90 % of XXXX graduates secured employment in their field of study within six months of graduation was proven to be misleading and false, causing students like myself to take on significant debt under false pretenses. 

Given these established fraudulent practices, I believe my loans are eligible for discharge under the Borrower Defense to Repayment program.
Product: Debt collection

They keep email me as Speedy cash or XXXX XXXX threatening me with physical person coming to my house if I don't pay them
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

This complaint is XXXX legitimate. The debt collection agency has been fined millions of dollars in the past by the Federal Trade Commission. In this case, XXXX XXXX picked up my information from an XXXX credit card that went into default in 2008. For that matter, XXXX is now off my Experian report due to the 7-year rule application from the Fair Credit Reporting Act. This account can not be enforced under New Hampshire, and Experian did a poor reinvestigation and should easily see that XXXX XXXX has re-aged the credit item to give the appearance that the account can still be legally collected and/or reported. Experian has no other recourse but to delete this credit trade line as the original trade line with XXXX has already been taken off credit due to its legal attachment limit on time, that being seven ( 7 ) years. This item need to be deleted immediately and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : 2. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 

3. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 

4. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 

5. The following inquiry is not mine. 
XXXX - XX/XX/2019 Account Number : Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 

After calling numerous times, Equifax has not deleted these items when XXXX  and XXXX  already did.
Product: Vehicle loan or lease

I purchased a vehicle with prestige financial located in utah. Alot of finance companies love Virginia because if your car gets repossessed you are still responsible for the loan unless one of two things happened. 1 the vehicle was repossessed and you were unable to attempt to retrieve your belongings in which i was never even told where my belongings were being held. 2. The vehicle is sold for an unacceptable amount. The car was sold to me for XXXX but sold at auction for XXXX. That is not an acceptable amount. They also attempted to say the car came back a bio hazard which is totally false. No way you only spend XXXX to prep a car for auction if its a biohazard that was a carpet steam clean. They have even gone so far as to continuing hitting my credit every month AND create Court cases and NOT show up. Because they no they will lose.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased a {$180.00} round trip to XXXX, CO from XXXX, TX through XXXX XXXX that was scheduled to fly on XX/XX/XXXX through PayPal. I received a confirmation email for my flight saying that tickets would be sent at a later date. However, on XX/XX/XXXX I was sent a notification from PayPal stating that my payment was being held due to some government regulations ( I suspected it was due to the coronavirus ). Since PayPal held my payment, XXXX XXXX cancelled my flight because they did not receive their payment. I was okay with this at first. It turns out that on XX/XX/XXXX, the full {$180.00} was debited from my account and sent to XXXX XXXX anyways AFTER they had cancelled my trip. THAT IS NOT A FAIR TRANSACTION. I opened a case with PayPal but they have been taking forever to reach out back to me to receive a full refund which i believe is perfectly warranted, and by now my bank has already charged me a {$34.00} overdraft fee. Even if I receive a full refund now, I'd still be losing money. Tell me how that makes any sense?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 
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Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App also known as ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically cash app failed to take timely and effective action to address fraud on their platform, leaving my Cash App account vulnerable which resulted in me having to make another one. And also resulted in the loss of money. Furthermore, their dispute resolution platform was unfair and deceptive as they did not comply with error, resolution requirements under the electronic transfer fund act ( ETFA ) and regulation, E. These actions cause significant financial loss and inconvenience. I am seeking appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I was completely stunned this morning when I saw incorrect accounts on my credit report, and I cant figure out why. I check my credit report regularly, and everything has always been fine, but today there were unexpected discrepancies. I tried refreshing the page, thinking it might be a browser issue, but the inaccuracies didnt go away. Given this situation, XXXX asking for a detailed review of the documents Ive submitted so that I wont have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

XX/XX/2020 I found fraudulent charges on my Visa account with Bank of America. I spoke with them by phone. They would investigate it. I received a letter with the response that they felt these charges were accurate due to the simple fact that I overlooked them for several months and did not complain about it till XXXX. These charges total over {$7600.00} from XXXX and XXXX XXXX XXXX. I do not and have never used these companies but admit that my book-keeper and myself overlooked those charges. This should not be acceptable because we trusted the system and Bank of America. I called them again and demanded a supervisor. The supervisor said she would re-open the investigation. A few days later I received another letter with the same response as the first letter denying the complaint and leaving me stuck with over {$7600.00} in fraudulent charges
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX year of 2021 i received notice that a change to my credit score has been made from Equifax. I used the app i have to investigate the situation, upon clicking of Equifax I noticed a 70 pts drop in my credit. Giving that i have froze my credit there should be no reason why my credit dropped that low moreover the fact that it just increased 98 points back in XXXX. XXXX  XXXX XXXX has closed an account on my report which should not normally drop my credit score that much. I believe this an attempt to damage my credit score because of the investigations I have had in previous months. Accounts have closed before and none had a drop let alone a drop that low decreasing my score that much which is very impactful to my financial status. Why was the account closed without giving me proper notice about it being closed? Why did my credit score drop so much for an account closing? I want answers and i want my score returned to a good state immediately!
Product: Money transfer, virtual currency, or money service

I bought an XXXX XXXX from a seller on XXXX. He told me to pay through pnc XXXX. I had never used the service before and figured seeing as it was through pnc that it would provide me with the same protections my bank did. He didnt ship the item and just quit responding to me. So now Im out {$600.00} and apparently nothing can be done. XXXX and pnc should legally be forced to fight fraud or pnc shouldnt be linked with XXXX if it allows fraud to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

it's paid... it was suppose to be removed from my credit report
Product: Bank account or service

On XX/XX/2016, at XXXX, I went to an outside ATM machine at BMO Harris Bank, XXXX, IL., to withdraw {$640.00} from my XXXX card. However, the ATM never dispensed the money, money never came out, though it gave me a receipt as if it had given me money. The next day I went back to the bank to speak with the bank Mgr. ; he told me that BMO do n't manage the ATM 's outside, though they have BMO 's name on them. So I contacted XXXX to open a claim. On XX/XX/2016 I got an email from XXXX informing me that the 3rd party vendor who manages the outside ATM 's at that location submitted documents that indicate the ATM 's showed no surplus. But regardless, the machine never gave me money that night, and I 'm very confident the bank 's and ATM 's cameras ( which I 'm quite sure they are equipped with ) will reflect this.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Lvnv funding llc deleted this account my credit report Last year bc it was not mine. I checked my credit report last month and its back on there. I have asked for original paperwork with signature. They will not provider that to me. They have sent me some off credit card statements etc. This company has broke all kind of laws. 

I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing
Product: Credit card or prepaid card

Multiple transactions for {$4.00} to XXXX XXXX PAY BY PHONE which we did not make. 
. 
The dates are as follows XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There were other similar fraudulent charges to the same company that were resolved in our favor and a new credit card was issued. 
TD Bank sent us a letter stating that 'documentation provided by the merchant supports the merchant 's position that the services were rendered associated with this transaction. Based on this documentation we are unable to credit your account '. 

Sure, the services were rendered but not to us and that is why the new card was issued. 

I called and spoke to XXXX on XX/XX/2020 about this letter. 
I called and spoke to XXXX on XX/XX/2020 and I was told they were still working on it I called and spoke to XXXX on XX/XX/2020 about this. 
On XX/XX/2020 I spoke to XXXX and when I was getting nowhere, I was transferred to a supervisor by the name of XXXX and again I was told that TD Bank can do nothing. And she mentioned letters to that effect which I never got. 
On XX/XX/2020, I finally spoke to XXXX in Disputes and she agreed that the charges were indeed fraudulent but she could do nothing except refer the matter to a supervisor to call me back as they had left for the day and this was just after XXXX. No supervisor called
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit card

I needed to get some dental work done, So, my oral dental surgeon suggested that I apply for a Care Credit card from Synchrony bank. I opened up the account around XX/XX/year> and I believe that my credit limit was originally {$11000.00}. Their interest free promotions up to a certain time and ridiculous fees along with statements concerning my account have always been confusing. I have increased my payments over a period of time and have paid a total of {$12.00}, XXXX dollars, but havent seen one dime go towards my balance. I noticed they added a {$160.00} dollars monthly fee for some type of card safety and I dont remember requesting it or agreeing to it. Even though I have been paying pretty much consistent payments since 2021, synchrony bank damaged my credit by reporting me 90 days late because I cant afford to pay all of these outrageous interest charges and fees which made my monthly bills a lot higher than the XXXX /month that I have been paying over the last year or so. I feel like I signed up with a loan shark company who does predatory lending. This has been a nightmare to have my credit damaged, have paid a significant amount of money and the latest statement from synchrony bank is showing that I owe them close to {$16000.00} dollars!!! This ridiculous amount is all fees and late charges!!. If I were to pay the XXXX plus the XXXX dollars already paid, they would receive XXXX dollars for an original credit of XXXX dollars!!. It doesnt make sense. Synchrony bank emails me almost daily and phone calls are frequent. I have called and spoken with representatives and have asked about the fees on my statement which are not clear and have not received any resolution. The interest rate is XXXX percent and what they say I owe is steadily increasing, I feel like they want me to pay them money for the rest of my life! They have a lot of complaints against them, why are they allowed to do these predatory practices against hard- working citizens who are working to make ends meet for daily living expenses. I am requesting an investigation into my account please.