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

In accordance with the FcrA.the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 US C 1681. I told ExperianXXXX XXXX XXXX XXXX to reinvestigate these accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 15 USC 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 calls to believe that the information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 card or prepaid card

On XX/XX/2022 I sent Comenity a payment of {$99.00} towards my XXXX XXXX via my bill payment service. Comenity never cashed the check nor credited it to my account. 

On XX/XX/XXXX I noticed this and called Comenity to notify them that they had lost my payment, see if I should send a replacement payment, and ask for the late fee to be removed. 

The Comenity representative that I spoke to said that I should resend the payment. When I expressed concern about the payment arriving in time, Comenity stated that they would put a note in my account that a replacement was being sent and I would not be charged a late fee. 

When I asked for the late fee to be removed, the representative said they were unable to do so until Comenity had done an investigation. I asked about late fees for that and Comenity stated that I would not be charged late fees during the investigation. 
XX/XX/XXXX, my XXXX XXXX service mailed the replacement payment. I also stop using the card until I can decide whether or not to close it. 

XX/XX/XXXX, I realize Comenity has never contacted me about their investigation. I call to find the status of the investigation to find that Comenity has closed the investigation without making any attempt to communicate with me, while stacking multiple late fees despite explicitly stating to me they would not do so. Comenity refuses to tell me what they were investigating, why they never contacted me and also refuses to remove the late fees. 

After repeated protests Comenity tells me to send documentation of the payment through their web portal. I do so. Following this Comenity spends weeks refusing to answer questions, making factual errors, and requesting that I send additional account information even though I am using Comenitys secure messaging center. I am also told to contact various other departments by phone, who also refuse to help. 

This continues until I receive mail stating my account was closed. When I ask Comenity why my account is closed, Comenity removes my access to the messaging system and my account records. 

This brings us to the present day. 


Comenity flaws that are not specifically relevant to this complaint : Comenity takes forever to process payments. Of the last five payments I sent, Comenity took 12 days, 19 days, 11 days, 10 days, and 13 days to credit my account. Other physical checks sent by my bill payment service are being cashed within 4 days of mailing. 

Comenity pushing customers to use a web portal and then shutting off access seems like an intentional attempt to deprive customers of their own account information.

Comenity was sending a monthly email notification of statement availability but stopped for no apparent reason in XX/XX/2022. 

Comenity sent a document stating that my account had been closed at my request. I did not at any time request my account be closed. When I sent a message via Comenitys secure messaging center asking why my account had been closed, Comenity made a reply, triggering a notification, and then turned off my access to so I am unable to read the message.
Product: Checking or savings account

On Friday XX/XX/2023 I decided to deposit my paycheck into my checking account using mobile deposit. After taking pictures of both sides of the check as well as signing the check I hit the submit button. A message popped up stating that the funds will not be available until XX/XX/2023 knowing that I could not wait that long for the funds to become available I hit the cancel button ( to cancel submission of the check ) after not being able to cancel the check, I immediately called Chime. I spoke to XXXX at XXXX XXXX, explained the situation and was told on a recorded phone call that the check has been canceled. Not satisfied and also to reassure that my needs be met, I then called back to Chime and spoke with XXXX at XXXX XXXX  XX/XX/2023 on a recorded line, explained to XXXX that I just deposited my check, tried to cancel the check as XX/XX/2023 would be too long to wait for my funds to become available. I was then assured by XXXX to not worry ( on a recorded line ) my check will be canceled. Due to bad past experiences with these type issue 's, I then decided to give Chime a call for the XXXX time to assure my check was going to be canceled as I instructed. I spoke with XXXX at XXXX XXXX ( Pacific ) time, explained for a XXXX time that I needed to have my check canceled due to me not being financially stable enough to wait until XX/XX/2023 for my funds to become available. No worries said XXXX, your check has been canceled and you are free to take your check to any financial institution to cash or deposit. Me believing that my check was canceled because that's what I was told on XXXX different occasions on recorded phone lines, I decided to take the check to a local check cashing agency in my area on XX/XX/2023 only to have the police called on me, because it was the check cashing agencies belief that I was trying to defraud them by trying to cash a check that was already deposited. I was allowed to call Chime to have the story verified and fortunately was not arrested. I've tried on numerous occasions via phone calls/emails to find out why my check was never canceled per my request and no one could give me an answer. This was very unfair to me. And I definitely deserved to be treated more fairly as a consumer. To date I still vant get a straight answer. And I'm still waiting for my funds to become available as I now have to wait until end of day ( whenever that is )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to remove a collection from my account after sending countless requests to remove debt not own. Also, collection company has responded with a forged document entitled " Patient Registration & Acknowledgement " form containing my forged signature. Experian also does not have Policies in place to police debt validation responses from the collection company. 

I am attaching a forged document received from the collection company, along with a copy of the " Identity/Forgery Theft Report, filed with the Federal Trade Commission , as well as a Police report that has also been filed. Report # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts from my credit report, as I am a victim of a data breach. I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request that these accounts be blocked and removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$16000.00} As a result of the data breach, I am requesting that these accounts be blocked as they are potentially the result of fraudulent activity. Please take the necessary steps to ensure that these accounts are blocked from my credit report, and confirm the deletion of any associated data in accordance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that are not mines on XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Debt collection

On XX/XX/2019 a debt was placed on my credit report from a Commonwealth Finance on behalf of a XXXX XXXX XXXX XXXX XXXX for the amount of {$950.00}. 
I then recieved a letter also. Never heard of either of these folks and have never used any of these people who are apparently in another state. I then asked the company in writing for a copy of my identification used to open such an account and they have not responded or provided my identification as proof. Because it is not my account and they have not proven that it is identified as my account through my identification required to open any account I am asking that it be removed from my credit reports because it is not my account.
Product: Credit card or prepaid card

Dear Sirs : My credit card company is charge me every month doubled the payments We are in pandemic situation I pay every month but this people are brutal very unfair Businesses practices, I call several times to dispute the charges but not one can not help me, ask them for a replacement of my card but nothing yet, I dispute a charge was clone card and they never help me. 
How you can help me.? 
Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

The company confirmed my request and now randomly deducts from account causing me to be in the negative randomly. I have contacted them multiple times in writing and they responded so they know.
Product: Debt collection

Did not recieve information to dispute. Did not recieve signed contract verifying debt. Harassed via phone numerous times and they wouldn't speak to me in detail without verifying my personal information first ( FULL SSN & date of birth ) Called my PARENTS regarding supposed debt. Filed lawsuit without proper documentation, false claims and inaccurate information. Their verification of debt is a monthly statement from a bank with my name on it and a bill of sale, I don't know what this debt is & a statement with my name ( that could easily be falsified ) does not make it mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lobel Financial Auto Loan is reporting inaccurate data on my credit report, and will not fix the errors. 

See below. 

I am disputing Lobel Financial Auto Loan reporting on my credit report. See below and attached documents. 
Payments made were 45 months not 42. ( late payments were still paid ) Total Payments = {$12000.00} not {$8100.00} My payments were {$280.00} a month. {$280.00} X 45 = {$12000.00}. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have been denied the right to request validation of the debt. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
Product: Mortgage

Investors Bank in XXXX, NY is refusing to give restaurant and airline workers mortgages though Im still working. 

Is this a practice to deny essential workers mortgages during Covid?
Product: Debt collection

I'm frustrated, dissatisfied, and concerned about the situation with my credit report. Despite consistently making on-time payments, there are late payment remarks on some of my accounts. I haven't accrued any late fees, and I urgently need your help to resolve this matter. Please
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX XXXX " XXXX XXXX '' has added an derogatory mark on my credit report per XXXX  XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection also there was no written contract or signature for the accused debt presented at any time. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXXXXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately. My Hipaa rights have been violated.
Product: Mortgage

In XXXX of XXXX my husband and I went into forbearance due to COVID related issues. My husband stopped working so that he could stay home with my oldest child when he wasnt able to go to school. In XXXX of XXXX we came out of the forbearance and started a load modification process with the lender. We have a VA loan with freedom mortgage as our loan servicer. We were approved for a loan modification pending three trial payments of a fixed amount. At the end of this trial period I received a letter stating that we had not been approved for the load modification because we had not made all our payments on time. We in fact, did make all our payments on time, and now, month to month we keep getting a run around on what is happening next with our loan. Every month when I call into speak with someone regarding the monthly payment, or the loan modification, I sit on hold for nearly an hour at a time and wait for the representative to read through all the notes, to then escalate the problem to someone else. This has been on-going since XXXX XXXX, as I started making my trial payments XXXX XXXX, XXXX. Ever since then, no one has any idea what is going on with my loan, and it just keeps getting escalated. The reason this is really becoming an issue is that we are now trying to refinance our home with a new lender, but we are stuck because we have to have made 6 payments after doing a loan modification and it seems like we cant even get into one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute requesting that the account for XXXX XXXX ( XXXX ) that was sold to : XXXX XXXX XXXX XXXX XXXX be removed from my credit report from XXXX, XXXX, and Transunion. The account is past it's time statute limitations of 7 years, it was opened XX/XX/XXXX and last updated in XXXX so the account was not validated, please remove this outdated account from my credit reports
Product: Bank account or service

I have been a loyal PayPal customer since XXXX with my account in good standings. 

Over the years, PayPal has transformed from a small online 'send money tool ' into a large 'BANK ' ( without a license ) and a CREDIT CARD processing machine. As PayPal customer, I feel that PayPal grew fast, became more commercial and adjusted their terms and policies thereby making it more difficult for my small business to meet its business goals. PayPal is also evolving into a single entity by separating from its original business model with eBay. Here are some of the issues encountered : 1. PayPal does not protect its customers from transactions disputes against powerful credit card companies. Usually, if there is a dispute, credit card companies win. The agreement PayPal has with credit card companies works well for them but not so much for the customers on the receiving end. For example, if I sell event ticket and the buyer does not attend this event but files a dispute with their credit card company ; credit card company wins the dispute most of the times. 

2. PayPal Here and virtual terminal products require account reassessment/application for their already existing customers that are misleading and may cause account to be frozen or terminated. PayPal is not FDIC insured and only has legal presence in XXXX states which makes it more difficult to address these issues. 

3. Recent PayPal website redesign supposed to make things simple but it does n't. In fact it complicates things and could potentially lead to mistakes in money transfers. For example, to print out a financial statement to be used for income tax is a nightmare. The statement itself is difficult to understand and no customer service representative is properly trained to assist. 

4. PayPal 's legal department has different standards from those of the Banks. For example, subpoena processing department makes it very difficult and almost impossible for a small business from a small claims court to serve a subpoena for information against the debtor. It makes it very difficult to collect debt. Customer service does not provide clear legal instructions. Information provided is misleading and conflicting. There is not legal department contact phone number. In many instances, PayPal rejects the court orders. In doing so, on XXXX XXXX, XXXX, PayPal provided us a response letter with a phone number and contact but the phone number is just a voice mail with a dead end. My XXXX voice mails left were never returned. Essentially there are no phone numbers for legal department, headquarters or executive teams. In fact executive numbers are changed frequently to make contact more difficult for the customer. In other words there is no one in charge and there is no one to take responsibility for PayPal actions unless we file this complaint. 

5. Customer service quality has declined and stopped being effective. It functions more as a protective body rather than service. These and several more issues I would like to address with PayPal and provide further evidence and dates to be discussed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the CFPB take immediate action against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) by unlawfully reintroducing a fraudulent account on my credit report, despite my valid identity theft claim and prior deletion of the account. 

On XX/XX/XXXX, I filed an identity theft report with the Federal Trade Commission ( FTC ), Identity Theft Report # XXXX, as a result of fraudulent activity associated with my identity. Following the FTC report, I submitted a block and delete request to TransUnion under 15 U.S.C. 1681c-2, providing all required supporting documents, including my FTC Identity Theft Report. This request was sent via certified mail and was received by TransUnion. Please see the attached documentation. 

Subsequently, I submitted a complaint to the CFPB ( Complaint # XXXX ) regarding TransUnion 's handling of the matter. TransUnion responded to the CFPB on XX/XX/XXXX, confirming that the fraudulent XXXX XXXX account ( # XXXX ) was deleted from my credit report. Please see the attached response from TransUnion for your reference. 

However, on XX/XX/XXXX, I received a credit alert that TransUnion unlawfully reinserted this fraudulent account into my credit report ( attached ), directly violating multiple provisions of the FCRA, including : 15 U.S.C. 1681c-2 TransUnion is required to block and permanently delete information related to identity theft upon receiving appropriate proof, including an FTC Identity Theft Report. The reappearance of this account is a direct violation of this statute. 

15 U.S.C. 1681s-2 ( a ) ( 6 ) Reinsertion of previously deleted fraudulent information without proper notice and certification is unlawful. TransUnion failed to notify me in writing within XXXX business days of reinserting the fraudulent account, as required by law. 

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) TransUnion was obligated to follow procedures to prevent the reinsertion of deleted information. There is no legal basis for reinstating a fraudulent account after it has been deleted due to identity theft.

15 U.S.C. 1681n & 1681o These provisions provide legal recourse for willful and negligent noncompliance with the FCRA, entitling affected consumers to damages, attorney fees, and costs. 

This unlawful action by TransUnion has caused me undue stress, reputational harm, and financial damages. Under the FCRA, TransUnions actions amount to slander and reckless disregard for their legal obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to apply for a car and I was told that my credit would not be checked however I have several unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

I am writing this letter again to follow up with your company and let you know that your company is still violating the Fair Credit Reporting Act and there is strict liability for data furnishers which means you will be held accountable whether intentional or not. I mentioned in the previous letter that the reporting for every consumer reporting agency is inaccurate. The Fair Credit Reporting Act states that inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system I do not have confidence in the banking system due to your company reporting inaccurate information. The inaccuracy of information reported on behalf of your company has a negative impact on my credit history. I need these inquiries removed from my credit report immediately because your company is ruining my life and ability to prosper. Your company should be held accountable for breaking statutory laws. I have a right to privacy under the FCRA, which makes me feel like I am being abused, and your company is ruining my reputation. You have thirty days to delete this inaccurate information from my credit report or else I will seek litigation and monetary relief for being non-compliant and violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved
Product: Debt collection

To Whom it May Concern : I wrote to the company asking for information about this debt. I listed my name address and in response to this request. I didn't receive any letter pertaining to this matter. 

Companies : Radios Global Solution XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Re : Acct # ****XXXX XXXX I am very much interested in knowing the actions of this debt collection Please advise Sincerely