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

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Transunion has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Transunion. This account was opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the account via FCRA Section 605b . They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account removed from my report ASAP. Here are the names of the data furnishers & the account : XXXX XXXX XXXX Date Opened : XXXXXXXX XXXX XXXX  Balance {$8100.00}
Product: Credit reporting or other personal consumer reports

I am reporting Equifax for failing to block and remove fraudulent accounts from my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. I am a victim of identity theft and submitted the necessary documentation, including an identity theft report and proof of identity, to request the removal of the following fraudulent accounts : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has not complied with the FCRA requirement to block and remove the fraudulent information within four business days. I am requesting the Consumer Financial Protection Bureaus assistance in ensuring Equifax takes immediate action to remove these fraudulent accounts from my credit file and complies with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I submitted a mortgage application. After a credit check, we discovered the credit bureaus sold our information as a result of the credit inquiry. We have been bombarded with calls and text from companies all over the US asking about our mortgage. This is a shock to me that the credit bureaus can sell our data. Ive written a complaint to my congressman as well. Is this a legal practice? If so, what is the federal code that allows this unethical practice? 

Regards, Very upset in the data breach XXXX XXXX
Product: Credit card or prepaid card

Called XXXX to close account with XXXX and XXXX XXXX XX/XX/XXXX. They advised that XXXX timeshare opened the credit card in my name. I never gave them permission to apply for a Credit Card. I was there for a Timeshare presentation. Was not advised that there is any Credit Card Approval. Received Credit Card in the mail. They also signed me up for a XXXX XXXX Credit account without my consent. Credit card Acc was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a COVID-19 Forbearance Plan with my mortgage servicer, Bayview Loan Servicing LLC. A copy of the Forbearance Agreement is attached. The agreement was entered on XX/XX/XXXX. The agreement states that it covers payments for the months of XXXX, XXXX, and XXXX of 2020. Representatives at Bayview have confirmed to me that payment for XXXX, XXXX, and XXXX did not have to be made and there will be no late fees and the credit report will continue to show as current. 

On XX/XX/XXXX, Bayview reported my account to the credit bureaus as 30 days late for the month of XXXX. They also charged me a late fee and continue to show my account as past due. On XX/XX/XXXX I called Bayview again and was connected with XXXX XXXX XXXX with their escalations department. XXXX reviewed the account and told me that I was 100 % protected with the forbearance agreement. I copy of the email communication with XXXX is also attached. On XX/XX/XXXX Bayview reported my account as 30 days past due for the month of XXXX. Now I have XXXX and XXXX showing as 30 days past due. Both months of which are covered by the Forbearance Agreement. 

I am including a copy of my credit report to show both late-payments and the past due status. Just to be clear, I was not 30 days past due at the time of the agreement or the month prior to the agreement. 

I am currently in the process of obtaining necessary financing and this incorrect reporting is seriously jeopardizing that possibility.
Product: Debt collection

I have repeatedly reached out to this collection company and have gotten no new information about the original debt. 
I am confident that this is an error and have no way to remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

Equifax has inaccurately reported my XXXX XXXX  account despite multiple disputes, violating my rights under the Fair Credit Reporting Act ( FCRA ). The false reporting of a charge-off status and incorrect balance has caused XXXX XXXX and potential credit denials. 

Timeline of Events : XXXX  Incorrect Reporting : Equifax is reporting my XXXX XXXX  account as a charge-off with a balance of {$26000.00} and a past-due amount of {$26000.00}. 
This reporting is inaccurate and misleading. 
XXXX Failure to Conduct a Reasonable Investigation ( FCRA 1681i ) I disputed this inaccurate reporting with Equifax. 
Equifax responded by verifying the incorrect information without proper investigation. 
They failed to provide the method of verification as required under FCRA 1681i ( a ) ( XXXX ). 
Failure to Ensure Accuracy ( FCRA 1681e ( b ) ) Equifax is required to maintain maximum possible accuracy in credit reporting. 
Despite my disputes, Equifax continues to report this false information, harming my creditworthiness. 
XXXX  Pattern of Non-Compliance The Consumer Financial Protection Bureau ( CFPB ) previously sued Equifax in XXXX  for mishandling consumer disputes and failing to ensure accurate reporting. 
XXXX continued violations show a pattern of negligence and disregard for federal consumer protection laws. 
Actions I Took to Resolve This Issue : I disputed this account with Equifax and provided supporting documentation to prove the inaccuracy. 
Equifax failed to properly investigate and reinserted the incorrect information without validation. 
I requested the method of verification, but Equifax refused to provide details, violating FCRA 1681i ( a ) ( 7 ). 
How This Has Affected Me : XXXX false charge-off reporting lowered my credit score, affecting my ability to obtain credit and financial opportunities. 
I have suffered stress and financial harm due to XXXX refusal to correct this error.
Product: Credit card

XX/XX/23 - Payment in full of balance on XXXX XXXX account through Synchrony Bank as reported to me by Synchrony Bank ; XX/XX/23 - Due date for payment on account ( minimum amount due ) ; XXXX?? XXXX - Synchrony Bank XXXX to me that my bank XXXX XXXX XXXX XXXX XXXX requested a stop payment and Synchrony Bank issues a stop payment fee ; my bank, XXXX, does not charge me a fee for stop payment due to my status with XXXX  ; I was asked by text communication by XXXX if I approved request for payment of the amount of {$1000.00} and I replied no since full payment had been made on XX/XX/23 ; Early XXXX date, XX/XX/23 & XX/XX/23 - XXXX attempted to discuss the late fees, additional interest charges, a refund fee from Synchrony Bank without resolution due to Synchrony Banks refusal to take responsibility for their systems inaccurate operation I paid the full balance on the account prior to the due date and as of today I have a {$73.00} balance, which by all sane right I should not be responsible for.
Product: Credit card or prepaid card

Citibank issued a new card to another person using my name but a different address and email. The person ran up over {$10000.00} in balance transfers and loans to another account which is not mine,. Citibank than actually took money out of my checking account to make one of the loan payments. That's how I found out about the charges on the card, I contacted Citibank about the fraud. They then gave the money back in my checking account but never took the fraudulent charges off my credit card, which since has ruined my credit. I have had numerous calls with their fraud dept., they say they are working on it, promise to call back but never do. Its been since XXXX and still they show on my card that I own them over {$10000.00} The customer service just ignores that the account is under investigation and keeps sending payment warnings, as our credit rating keeps dropping
Product: Credit reporting, credit repair services, or other personal consumer reports

BBVA was a personal installment payment account that was paid off in full. When paid off the 60 days past due showed up on my account. I called them back to have this cleared and they said they would. I now just took a look at my report and it is still there showing 60 days late payments.
Product: Debt collection

I requested validation not verification of a debt being reported on my XXXX  credit report from Americollect in the amount of {$210.00}. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the disclosure to me all of the documents that Americollect Inc.have recorded and retained in their file at the time of my request concerning the accounts that are reported in my credit report. Americollect responded to my request by saying that these accounts have been verified, I specifically asked for validation. Americollect has responded with a bill that does not prove that this debt is mine, nor does it have my signature, nor does it have any proof of a contract that I had with Americollect or the XXXX XXXX XXXX who is listed as the creditor on the response from Americollect. It also has an incorrect DOB for me listed as well. The itemized statements that were sent by Americollect do not even list the same company as the creditor as it is reporting on my credit report. Americollect is not licensed by State of SC. I want this information removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

My account got permanently banned on Paypal for no reason whatsoever that I am aware of. I sell crystals, necklaces and tarot on XXXX and use the name XXXX XXXX for privacy reasons. My real name is XXXX XXXX and my paypal email is XXXX. I have approximately XXXX dollars and XXXX on hold that they are going to hold for 180 days but I need it for bills and I do not want to have to submit a claim and get lawyers involved but I will if thats whats necessary to get what should be mine. I need that money and If someone had a dispute with me that caused my money to be on hold for this long, it is not fair to me as I do not know whats happening. I want to withdrawal my funds and never use Paypal again. This dispute must be settled or I will take legal action as others have said Paypal will take all their money for liquidation fees which is actually not legal as its under the law to only be a smaller increment of total money. I am not risking losing all my money and thus ; am not waiting the entire 180 days as that is half a year. I spoke to a Paypal rep that said they couldnt do anything for me. This is so ridiculous. For confirmation purposes the last 4 digits of my card info on the account is XXXX.
Product: Debt collection

Company Name : Seqium Dates : -To many to include because we receive calls everyday, several times a day, and from various numbers. 
Actions Taken by us -The phone numbers that come up on our cell phone caller ID with ( XXXX ) usually come up as Seqium. The other numbers we get are a ( XXXX ) area code and they have asked for us by name but then hang up or just don't respond after we say hello. 
Amount : -Both my wife and I have tried to discuss with them an amount for monthly payment and they will not take the amount we suggest. 
-They will only accept the amount they tell us we have to pay
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit reporting agencies, XXXX XXXX, XXXX XXXX, XXXX, and Experian, regarding fraudulent, inaccurate, incomplete, or unverifiable accounts, inquiries, and addresses on my credit report. I have attempted to resolve these issues directly with the Consumer Reporting Agency on numerous occasions, but have been unsuccessful in obtaining a satisfactory resolution. I am writing to dispute the inaccurate, incomplete, and unverifiable information that appears on my credit report, which was recently obtained from your agency. The inclusion of this erroneous information is adversely affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal statutes, including the Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Credit Reporting Act ( FCRA ). 
I have identified the following issues with the information reported on my credit report : Inaccuracy : The information reported on my credit report is inaccurate and does not reflect my true financial status. 
Incompleteness : The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history. 
Unverifiability : I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency. 
I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report. I also request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Im really taken back from by how they are reporting this XXXX card on my credit report they said the did an investigation but if they are following reporting laws they would see they cant report an account late after its closed. And that what they did I have the proof what do they offer me for further damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2019, I tried to thaw my credit with Experian online AND on the phone and was denied and I DO have my PIN. Both automated responses indicates that I have to submit my request by MAIL to their office for consideration. I am in the process of buying a car and need my credit thawed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Transunion.com. I called them and explained that the information that they are reporting is incorrect. They have my oldest lines of credit as only being 8 years which is incorrect. I have had a mortgage for 20 years credit cards for over 20years and car loans for, utilities, etc. for over 20 years I am in my 50 '' s. Thie adverse reporting has caused my score to decrease by XXXX points and thus I can't get financing for my car loan. There were inquires on my report I asked them to remove and they haven't. TransUnion is purposely not reporting all of my lines of credit and credit information. They discriminate against XXXX people that are in thier 50 's. I find it interesting after I called them they purposely lowered my score by 7 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to let them know they were violating the fair credit reporting act XX/XX/2023. They have not fixed it. XXXX and XXXX continued to give me a hard time. Here is the issue As a federally protected consumer I have the right to privacy. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states ' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer 's right to privacy. ' XXXX, XXXX, XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ' 15 USC 1681 section 604 a section 2 states that " In general Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX snd any furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A finacial institution may NOT disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' None of these credit agencies ever informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code Section 1681 s-2 ( A ) ( 1 ) A states " 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. The code also states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR S 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Debt collection

Jefferson Capital Systems bought junk debt that was erroneous, never contacted me about it, and it showed up on my credit report. It's an erroneous debt that was already resolved with the previous creditor.
Product: Checking or savings account

US Bank has charged me over {$4000.00} in the past 90 days in overdraft fees and they wont reimburse me for any of them. Ive never banked anywhere where they wont give you a one time courtesy and forgive the fees, but the amount is insane. its causing financial hardship. My banking fees are 40 % of my transactions. Its causing great financial hardship to the point where I work XXXX hours a week and my electricity got turned off because I cant pay my bills.
Product: Debt collection

NORTHSTAR KEEPS CALLING MY FAMILY AT WORK, CELL AND OTHER FAMILY TRYING TO SKIP TRACE DEBT, THIS DEBT IS INVALIDATED DEBT INQUIRIES. 
21 CALLS IN 2 YEARS. 

XXXX XXXX XXXX/XXXX XXXX XXXX sold debts to XXXX XXXX XXXX were they sue for the same debts northstar did.THEY ARE STILL ON MY XXXX. 

VIOLATORS OF THE DODD-FRANK ACT
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to TransUnion notifying them of the reinsertion of XXXX  XXXX XXXX account number xxxx into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with XXXX handle it of disputes particularly in the light of the CFPB lawsuit, highlighting and significant issues with the platform. Despite using XXXX, numerous of times and report and discrepancies. My financial institution is XXXX fail to investigate my claims adequately they informed me that recovering lost funds was impossible in that tracking these transactions was unfeasible the CFPB findings indicate that XXXX has not only neglected to protect consumers but have a loud repeat offenders to exploit the system leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

A scammer contacted me on XX/XX/XXXX impersonating XXXX associate. XXXX indication there was an issue with my bank account at bank XXXX XXXX for a person from TD Bank trying to get my funds. 
Scammer used TD bank account for a wire transfer of {$XXXX} that occurred on this date XX/XX/XXXX. I spoke with BOA customer service on XX/XX/XXXX and found the caller was not from XXXX and that it was a scammer. I contacted TD Bank customer service XXXX on XX/XX/XXXX at XXXX and associate spoken to saw the {$XXXX} wire transaction. On XX/XX/XXXX, I went to the TD branch located at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX around noon and spoke with the bank XXXX who was able to look at the system to see the transaction who said he was reporting that I was asking for funds to be returned. I filed complaints on XXXX and they informed me they have asked for the funds twice from TD Bank with no response as of XXXX. I would like TD bank to be investigated since they were informed of the fraud immediately and did nothing to retrieve my funds.
Product: Credit card or prepaid card

I have a cash app card and someone tampered with the account so I had it closed and a new card was issued but the {$70.00} I had in the old account didn't appear on the new account, after 3 days I was able to reach someone thru email but they cut off communications, there is no customer service number to call, they won't respond to the email address that was given I then did a little research and reached out on XXXX   I immediately received a text that they found my account and someone will contact me and that's a lie, I can't get anyone to reach out about my money. This company should be shut down they are stealing money and nothing is being done I've read many stories croon people who have flel prey to cash app and they're the same as mine