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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX (  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX A ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXP ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I KEEP SENDING the disputing letter to Transunion for numerous times, they either respond with no result or nonsense or not respond at all. They have posted negative account on my report and only TRANSUNION IS DOING THAT, I HAVE DISPUTED THIS fraud account directly with Creditor and they have removed it from XXXX  and XXXX  and only Transunion keep reporting account which was not even verified and not confirmed by CRDITOR. 
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a couch from XXXX furniture on XX/XX/2022 through the store XXXX named XXXX XXXX, the couched was delivered XXXX the XXXX with a tear, stains, XXXX different cushions, slip cover was to big for XXXX side and the couch appeared to of been dropped as it sinks in the middle. Ive tried to get them to replace the couch as I stated to my credit card company, Ive reached out XXXX times with my credit card company following up which is documented through XXXX cards which they stated they spoken to the merchant at the store on XXXX occasions. The XXXX  time the merchant told XXXX card that they replaced the cushion and slip cover which was not true, on the XXXX occasion the merchant told my credit card company that they sent a whole new couch which is also not true. through XXXX furniture a tech was sent out from the manufacturer of the couch, the tech stated that my whole couch needed to be replaced. they refused to replace it and my credit card company closed the case unknowingly to me till I called back with new information and they stated that they closed the case because a merchant of XXXX furniture that they replaced my couch and the credit card company did not let me explain that I did not receive my couch and now the refund is back to the merchant and theres saying theres nothing I can do about it. I need help in this matter because this is still ongoing and Im stuck with a couch I do not want that is damaged we have already spoken with the merchant and nothing is being promised about a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act convergent account XXXX XXXX XXXX ON XXXX AND account XXXX XXXX XXXX ON EQUIFAX 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 aslo states a consumer reporting agency can not a account without my written instructions
Product: Checking or savings account

I do almost all my shopping online these stores debit the amount for what you order immediately sometimes what you order is not available and sometimes what you order comes damaged therefore for both of these situations the stores issue a refund for the items I was charged for that they did not have or for items I get shipped to me that are damaged or sometimes not there in my order at all I have my checking acct with TD bank but for the last 2 to 3 months everytime I have what should be a refund TD bank always debits it from my acct when first of all I already paid for it once and now Im being charged or debited a 2 nd time for what is supposed to be a refund. I have to call TD bank everytime for them to correct it. Why is this happening and its not just with one or 2 places or stores.. its with every store I order from therefore the problem is TD bank its not numerous stores.. its TD bank and I also wonder how much money TD bank has done this to me with, that I did not notice. This is very concerning. I have called about this issue numerous times hoping it will be the last time but then within a few days to a week at most, it happens again and again and., Today was the last straw. I need to know why and that it wont happen anymore.
Product: Credit card or prepaid card

MY COMPLAINT IS AGAINST 'CAPITAL ONE BANK XXXX  CARD ; ' ACCOUNT NUMBER ENDING IN XXXX ; ' I PAID THE XX/XX/XXXX STATEMENT, IN PERSON, AT THE XXXX NY BRANCH, ON XX/XX/XXXX -- FIVE DAYS BEFORE THE DUE DATE ; BECAUSE I INADVERTENTLY PAID THREE ( 3 ) DOLLARS LESS THAN THE MINIMUM, I WAS CHARGED A {$39.00} 'LATE FEE ; ' ON XX/XX/XXXX, REFLECTED ON MY STATEMENT DUEXX/XX/XXXX ; I QUESTIONED THIS 'LATE FEE ' WITH MY REPRESENTATIVE ( XXXX ) AT MY BRANCH IN XXXX XXXX NY , WHO SAID SHE WOULD CALL 'THEM ; ' ON MY BEHALF ; SHE THEN CALLED ME, AND SAID TO CALL 'THEM, ' AND 'THEY ' WOULD REMOVE THE {$39.00} 'LATE FEE ; ' AS A RESULT OF MY CALLING THE 'CUSTOMER SERVICE NUMBER, ' I WAS TOLD 'WE DO N'T REMOVE LATE FEES ; I SUBSEQUENTLY CALLED THE VIRGINIA CORPORATE 'CUSTOMER SERVICE ' NUMBER, AND SPOKE TO AN 'XXXX ; ' AGAIN, SHE REFUSED TO REMOVE THE 'LATE FEE, ' BUT INSTEAD 'GRACIOUSLY ' DEDUCTED ' {$39.00} ' FROM MY SUBSEQUENT BALANCE ; IN OTHER WORDS, THIS BANK REFUSES TO ACKNOWLEDGE THEIR MISTAKEN LATE FEE CHARGED BECAUSE OF A LOUSY ' {$3.00} SHORT ' PAYMENT ; WHICH COULD EASILY HAVE BEEN ADDED TO MY NEXT BALANCE ; TO BE CHARGED A 'LATE FEE ' DESPITE MY '5 DAY BEFORE DUE ' PAYMENT IS PATENTLY ILLEGAL
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  corrected and removed the erroneous late payments they placed on my account and replaced them claiming other months. Additionally, I previously filed a complaint against XXXX XXXX and the company XXXX XXXX XXXX in XXXX for fraud. I received a call allegedly from the XXXX XXXX  's executive branch. I returned their call numerous times and left messages, but they never call me back. There was no reasonable investigation into my claims. 

Below I enclosed the reporting from my Equifax Credit report and as you can see, XXXX first removed the late payments then slapped them back onto my account. 

I am trying to buy a home and XXXX 's action demonstrates their conduct for which I seek damages. 

t looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. 
Your account payment history was updated. Here 's what changed : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late Here is what your payment history showed before : XX/XX/XXXX : Current XX/XX/XXXX : Current
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} TXXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX EQUIFAX : XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$680.00} XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Bankruptcy : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX XXXX : {$0.00} U.S. Bankruptcy Court XXXX  XXXX bankruptcy XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/2018 XXXX, XXXX, A XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Bank account or service

My husband and I have joint checking account at Citizens Bank in XXXX, PA. Last week he presented his payroll check to be cashed on Friday and it was denied. Saying that the funds would n't be available until SATURDAY! Never in our lives did we have a payroll check denied on a Friday. I was livid and called the manager. she made and exception and told me that everytime he would bring in a payroll check he would have to ask her to have it cashed on the Friday it was presented. The company he works for is actually only about XXXX from the bank. No history of complaints, it 's just their POLICY! We think this is terribly wrong, never had it happen before anywhere! Please report this and help us find out how in the world a bank can refuse to cash a payroll check when presented? Thanks so much, we are pretty much done with the banking system - XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

Complaint Summary : I am submitting this complaint against EXPERIAN Credit Bureau, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXXXXXX Account number : XXXX Disputed Information : In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the reported balance, high credit, date of last activity, date opened and account status. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the credit bureaus failure to properly investigate and validate a charge-off account listed on my credit report. I previously disputed the information related with XXXX XXXX because I believe it is inaccurate and was not substantiated by the original creditor. 

Issue Description : On XX/XX/year>, I disputed the accuracy of a charge-off account appearing on my credit report. 
In response to my dispute, the bureaus claimed the information had been validated with a billing statement from the creditor. 
However, a billing statement alone does not constitute proper validation of a debt, as it does not provide evidence from the original creditor that the account is legitimate, belongs to me, or that the debt was properly assigned. 
According to the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to conduct a reasonable investigation and verify that the information is accurate by obtaining evidence from the creditor, such as contracts, original account agreements, or other relevant documentation. This was not done in my case. 

Why This is a Problem : A billing statement does not provide sufficient validation of a debt under the FCRA. 
The credit Bureaus have failed in its duty to investigate the legitimacy of the charge-off and has not provided any documentation proving the accuracy of the account beyond a basic billing statement. 
This failure has caused harm to my credit score and financial standing by allowing inaccurate and improperly substantiated information to remain on my credit report. 

Requested Resolution : I am requesting that the credit bureau be required to properly investigate this account by obtaining actual documentation from the original creditor that confirms the legitimacy of the debt, the amount owed, and my connection to the account. 
If they are unable to provide this documentation, I request that the charge-off account be removed from my credit report immediately. 
Additionally, I request that the CFPB investigate the credit bureaus violation of the FCRA regarding reasonable investigation procedures for disputed information. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Money transfer, virtual currency, or money service

To whom it may concern. 
My full name matching my passport XXXX XXXX. 
XXXXm from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 
Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 
Thank you
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all 3 bureaus resulting in removal from my credit file. On XXXX This company added it again, I contacted all 3 bureaus and disputed it again, after the XXXX investigation I received the results on XXXX it was removed again on all 3 bureaus. On XXXX capital one added it again and for the 3rd time they maliciously put a negative mark on my file. I have never had a XXXX  XXXX account, when I contacted their fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXX ID # XXXX  XXXX a Manager  in fraud and dispute. it has been over 90 days and investigations by all XXXX bureaus. I am making this complaint to have on Record beyond the credit bureaus, XXXX  XXXX IS MALISHOUSLY DOING THIS BECAUSE I WENT TO THE XXXX  REGARDING THEM. THE LAW SAYS THEY HAVE 30 DAYS IT HAS BEEN 90 AND 3 INVESTIGATIONS AND XXXX XXXX HAS NEVER PRODUCED ANY INFORMATION TO JUSTIFY THIS.
Product: Student loan

my personal and financial information was shared with an outside entity without my knowledge or consent. The Acting Secretary of education gave " DOGE '' access to my information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Vehicle loan or lease

The lien holder did not send me no notice nor did they call to let me know that it was out for repossession as well as they lied and stated that they had no knowledge of the repo agent who stole my car with my personal belongings in the car XXXX XXXX XXXX is responsible for the damages on my XXXXXXXX XXXX XXXX XXXX. He caused XXXX flat tires on the back due to him pulling the car while it had the emergency parking brake on .. he dragged my car .. XXXX is the owner. His performance was unprofessional at all costs he came on private property n towed my car without paperwork and without checking the vin to verify he had the correct vehicle i have the video of surveillance if anyone needs to see proof. CarMax auto finance is the lien holder and they are just as shady.. i ask for justice the XXXXXXXX XXXX that my car was towed from has private property and i have the sign uploaded on this case however the video surveillance is over a minute long so I couldnt upload it but feel free to contact me for me to send it
Product: Credit card or prepaid card

I applied for and received two credit cards ( one for personal, one for business ) from United Airlines ( United Explorer card and United Business card ). I decided on these cards largely because each card offered two United Club one time passes. Recently, when flying United, I have tried try to use these one time passes only to be denied access. The Club in XXXX and in Washington ( two recent examples ) have a sign saying, " No One Time Passes at this time. '' Terms and conditions say that access is based on availability -- it does not say other members or that first class passengers will be given priority. I've been unable to use at least two of my passes and now they are expiring. The cards each cost {$95.00} per year. I feel deceived. United 's claim that card holder receive " Two United Club Passes '' is misleading and false. I called Chase and they referred me to United. I called United and they referred me to Chase. Chase then referred me back to United. No solution offered. I'd like my money back or other proper compensation.