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

Experian keep sending me investigation results updated, not updated if it was updated XXXX, XXXX, XXXX would be deleted from my credit report. XXXX deleted the three accounts from my credit report months ago. The three credit bureaus uses the same system. I don't understand why Experian is refusing to delete XXXX, XXXX, XXXX. I requested the original contract from XXXX, XXXX, XXXX. Never received instead Experian sent credit report.
Product: Money transfer, virtual currency, or money service

RACIALLY PROFILED BY NAVY FEDERAL CREDIT UNION!!! 
On Wednesday, XX/XX/XXXX I deposited my refund check via mobile app as I have done over SEVEN times from the SAME university ( XXXX campus ). When I called and asked them why my money wasnt deposited in the normal two business day wait, I was told that it was being held under suspicion of fraud. I asked why all of a sudden as a XXXX woman, am I being accused of suspicion of fraud when I have deposited MULTIPLE checks from the SAME school several times before?? The supervisor ( I asked to speak to one because I was not getting a straight up answer ), said its determined by security so I asked to speak to them, but of course they didnt have an extension. 
I was racially profiled for fraudulently depositing a check and no one could explain why my funds are delayed.
Product: Credit card

XX/XX/year> {$XXXX} i cant make the payments and having a the company spring oaks capital harrasing me, they they trying to make me pay what they want me to pay
Product: Checking or savings account

I submitted a claim concerning our existing checking account under the requirements surrounding the Wells Fargo Unauthorized Accounts Settlement in XX/XX/XXXX (? ). 

In XX/XX/XXXXI received a 'ACTION REQUEST ' form/S4. Name, Last 5 SS #, DOB and  signature. 

Obviously more than a year has passed. The 800 # and web site contains the information that the lawsuit is under review. I have been patient. 

Due to the most recent news coverage, is it reasonable to EXPECT a response, one way or another, in lieu of the RETURN of the S4 form?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian violated my consumer rights. I've attempted to dispute the furnishing of the accounts listed below. Experian verified that all accounts listed below have been verified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Though I've attempted to get more information about exactly how the debt was verified, they've refused to provide suitable proof that the accounts belong to me. 
Accounts : XXXX ( XXXX ) amount : {$300.00} opened : XX/XX/XXXX ( disputed XX/XX/2023. Verified as of XX/XX/XXXX and in XX/XX/XXXX by Experian WITHOUT providing requested proof of validation ). My XXXX XXXX ( XXXX ) amount : {$6900.00} opened XX/XX/2023 reporting incorrect information, has not updated it and continues to report incorrectly. Details about my personal transactions and experiences are furnished to credit reporting agencies. 15 USC 1681 a 2 A i states that " transactions and experiences '' are to be excluded from on a consumer report therefore I need this removed. XXXX XXXX XXXX ( XXXX ) opened :XX/XX/2023 ( disputed with all 3 consumer reporting agencies. XXXX is the only bureau that followed the law and deleted the account ). amount : {$1900.00} account listed as a charge off. Includes transactions and experience information, failed to provide me with a 1099-C form. XXXX ( XXXX ) opened : XX/XX/XXXX account was NOT verified though proof was requested. Account deleted from XXXX but not Experian or XXXX. 
Unfamiliar hard inquiries : Company : -Ally : XX/XX/XXXX XXXX Credit XXXX XXXXXX/XX/22-XXXX XXXX XXXX XXXX : XX/XX/22 -XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX : XX/XX/23 15 USC 1681b Permissible pu

rpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not provide written instructions for Experian to provide this information, therefore these listings need to be deleted.
Product: Credit card

I rented a car in XXXX from XXXX XXXX on XXXX  and the plastic fell off my mirror and I had insurance through the XXXX credit card and XXXX XXXX took XXXX for the damage then I called XXXX and told them everything and they asked for pictures of XXXX XXXX and in the end they didn't send anything so XXXX threw me the The bullet and they just damaged my account. Now I'm turning to you to do the right thing and oblige XXXX to refund me the full amount plus a tip for the great injustice they did to me instead of returning the money immediately from XXXX XXXX and paying them from the insurance I have on the card only after XXXX XXXX sent them the The pictures, they caused me great damage I would like the money back immediately plus the interest for the entire time the money was in XXXX 's hands I have already spoken several times with XXXX and they are asking me for a document of the insurance I had in the United States at the time of the accident. 
And I explained to them that I didn't have any car insurance in the United States and I didn't have any car at that time. And there is no voice and no answer. 
And I feel that XXXX is not doing anything to give me back the money I am owed The gist of things in a nutshell I rented a car with XXXX XXXX. 
The plastic of the mirror fell off XXXX XXXX stole {$900.00} from me for the damage instead of taking it directly from XXXX XXXX XXXX did not want and ignored me and XXXX to send the photos I asked XXXX to return the money that XXXX XXXX stole XXXX replies that I will send them the photos and the insurance I had I told XXXX that XXXX XXXX is ignoring and not sending XXXX also called XXXX XXXX and they did not reply to XXXX I explained to XXXX that they see that XXXX XXXX are simply thieves and they do not participate in an action that would please return my money. And when XXXX XXXX returns with the photos, etc. we will talk And there is no sound and there is no season. I feel that XXXX just made fun of me very, very much. 
I work very hard and I just don't have the time to chase XXXX to return the money that was stolen from me dishonestly Even when XXXX calls me, they tell me to bring this note and this note And I explain to them simply and clearly that for the act they ignore me and tell me this is what is needed I do not know and understand why they are asking me for the United States insurance. While I had no insurance I feel very, very humiliated by what XXXX is doing to me I wrote everything in translation, I hope you understand everything I wrote from the bottom of my heart
Product: Money transfer, virtual currency, or money service

Dear PayPal Support, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account XXXX. I firmly believe that this limitation is a result of a mistake, as I have not knowingly violated any PayPal policies or engaged in any prohibited activities. 

Firstly, I have always used my PayPal account responsibly, ensuring compliance with all terms and conditions outlined by PayPal. I regularly review and adhere to your policies to ensure a smooth and trouble-free experience for both myself and other PayPal users . As such, I am confident that my account 's limitation is unjustified. 

Secondly, I assure you that I have never been involved in any fraudulent or unauthorized transactions. I take online security seriously and have taken necessary precautions to safeguard my account information and personal details. My utmost priority has always been to maintain the integrity of my PayPal account and utilize it solely for legitimate transactions. 

Considering the above points, I kindly request that PayPal re-investigate my case in detail. I understand that human errors can occur, and I am hopeful that, upon closer examination, this limitation can be lifted, allowing me to resume normal use of my account. 

I sincerely value the services provided by PayPal and wish to continue utilizing its secure and efficient platform for online transactions. Therefore, I humbly appeal to PayPal 's sense of fairness and understanding to reconsider the current limitation on my account. 

I genuinely hope that this matter can be resolved amicably and that my account can be reinstated. Please let me know if any further information is required to facilitate the review process. I am more than willing to provide any necessary details to support my case. 

Thank you for your attention to this matter. I look forward to a positive resolution and the restoration of my PayPal account. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 my checking account with Bank of America was locked out with no access, no phone call and no email from the Bank. When I called to inquire what was going on with my account they sent me to the " account closure '' department where the representative told me my account was being closed by the bank with zero explanation why. My XXXX year old step daughter recently started a job and while we were in the process of opening her a student account I had her sign her pay checks over to me in order to deposit them and gain her access to her funds. I have never had any issues with a check being signed over " pay to the order of '' with any bank before. The check was valid and signed. I have still never received any explanation from Bank of America as to why my account was closed, but I am assuming it is in connection with depositing my step daughters pay check. It has been almost 30 days and the Bank has not sent me these funds even after closing my account with no explanation. This practice is ridiculous and I want my funds returned to me ASAP.
Product: Payday loan, title loan, personal loan, or advance loan

My balance is not going down, i have made every payment by the due date and they are not applying much to principle. I started this loan on XXXX XXXX, 2023 and the balance have not gone down please investage this company.
Product: Debt collection

I received a letter on XX/XX/XXXX stating that I owed {$620.00} to XXXX XXXX, XXXX XXXX ACCOUNT NUMBER # XXXX account number is fake and United Collection Bureau , Inc is in violation of 15 USC 1692j ( A ) and 15 USC 1692f ( 1 ). They have also stated that on paper that " This is an attempt to collect a debt by United Collection Bureau , Inc., a debt collector, and any information obtained will be used for that purpose. '' This is a violation of 15 USC 1692 ( b ) ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; United Collection Bureau , Inc communicated on paper through that I owed a debt which never got to me but someone else other than me this is a violation. I've sent United Collection Bureau , Inc a Invoice, Affidavit of Truth and a Cease and Desist with exhibits showing how many times they violated me and they just sent me another later when they were not suppose to. United Collection Bureau , Inc 's new letter entails another debts with the wrong amount, wrong original creditor i.e. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXXXXXX of XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information
Product: Vehicle loan or lease

Spoke with a representative twice yesterday, made a higher loan payment to keep my vehicle from being repossessed and they still repossessed my vehicle. The higher fees and taxes I would like to be reimbursed for especially after already speaking to a corporate rep who assured me that if I made the additional payment, my vehicle would no longer be at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

PayPal in combination with Synchrony Bank do not respect XXXX preferences for me to not receive advertisements for credit cards in the mail.

A few months ago, I received a piece of mail to apply for the PayPal XXXX  Mastercard.

However, many years ago, I submitted a permanent Opt-Out Election form to XXXX so that I would never receive unsolicited credit card offers.

I have tried calling PayPal because the advertisement is for a PayPal credit card, but they sent me to various departments and the " best '' answer I got to no longer receive mail was to sign up on XXXX And it seemed as though PayPal tried to blame Synchrony Bank but Synchrony Bank has no record of me. But considering I have been signed up for XXXX for many years, it's clear neither respect that list.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and not protected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and reregulation E. These actions have caused significant inconvenience and financial loss and I speak appropriate redress for these violations
Product: Credit card or prepaid card

I was never able to use this card one time. It has a block on it for 3 months. The bank requested I send them a copy of my driver 's license. I already did that 4 times via fax and postal mail. They still did not remove the block and i already had to pay {$76.00} in fees and can not use this card. It is called Indigo Mastercard issued by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has denied me access to freeze my account after I believe my identity has been stolen. Numerous accounts on my credit report are false and reporting without my authorization. I have called Transunion multiple times as well as sent validation letters to validate these allege debts. This inaccurate and misleading information on my credit report is preventing me from getting employment and basic needs that require decent credit. This is identity theft and something needs to be done now.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

There was a hard inquiry completed by XXXX XXXX on XX/XX/23 under my identification : Trans Union reporting : best resolution is to hard inquiries remove from the Trans Union reports from XXXX XXXX - submitted XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

The PAY HISTORY is incorrectly showing as a XXXX in XXXX of XXXX. This was paid/settled in full in XXXX of XXXX. This is grossly damaging my Fico Auto score Payment history guide Repossession as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Show less Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Address identification number XXXX Type Auto Loan Terms XXXX Months Credit limit or original amount {$9700.00} High balance XXXX XXXX  Monthly payment {$0.00} Recent payment amount Not reported
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquiries on my credit report starting in the year XX/XX/2017 that I have no knowledge of. I see that these hard inquiries are affecting my credit score i would someone to help me investigate and remove these inquiries off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for the last few months been trying to resolve this matter with transunion acct # XXXX {$830.00} does not belong to me! I uploaded affidavit and mailed letters yet this account is still reporting and a representative in customer service advised me they never received a letter from me I asking for an removal of this account t
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my balance that was being reported to the credit bureau against Capital one credit card company in early XXXX. The credit bureau tried to verify my balance with Capitol one and they didn't respond at all. Two accounts I have with Capitol one were removed from my credit report causing my score to drop XXXX points. I contacted Capitol one and they advised to mail in a letter stating what happened so the two accounts can be added back to my credit history. That was on XXXX XXXX the letter was sent. I am still waiting. I called Capitol one today to try to find out the status and was put on hold. The rep left me on hold several minutes and then just put me back in the que and I had to start all over, the second rep was very helpful. Transferred me to another department in disputes. Apparently credit department is still closed and so is the dispute department. Very frustrating because the same thing happened with XXXX and it is all taken care of, within about 10 days time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXXXXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX  our mortgage account with XXXX XXXX was brought current through XX/XX/XXXX with a {$15000.00} payment. On XX/XX/XXXX another payment of {$1600.00} was made and received to bring our account current through XX/XX/XXXX. 

The Mortgage company and all three credit reporting agencies XXXX XXXX, Trans Union, XXXX  XXXX are showing XX/XX/XXXX as XXXX days past due. This is incorrect. I have attempted multiple times to dispute this information and to have the account updated to reflect the actual payment history to be current in XX/XX/XXXX. 

The unwillingness to correct their records is keeping me from being approved for a loan.
Product: Credit reporting or other personal consumer reports

This ongoing issue has negatively impacted my credit score and financial wellbeing, and I believe Equifax is not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ). 
I am requesting your assistance in addressing this matter and ensuring that Equifax complies with the law by correcting the errors in my credit report. Please let me know if you require any further details or documentation to proceed with my complaint. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue by removing these items off.