23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX 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 is inaccurate.

Section 607 15 USC 1681 ( E ) Compliance procedures 15 USC 1666 Correction of billing Errors
Product: Credit reporting or other personal consumer reports

At least 5 incidents. Every time I've used Experian for a " free credit check '' ... The company takes your CC #, then signs you up for an expensive credit monitoring service, without clearly explaining this. Then when you try to cancel the service... Experian keeps charging your card anyway. Every contact and complaint to Experian directly, is totally ignored. 

Eventually you have to contact your CC company, and send them the screenshots showing what has happened, and your cancellation attempts. Your CC company has to refund the , and cancel the service on your behalf. Often the Experian charges continue, and you have to repeat the entire process again. Your CC gives up, cancels your card and issues a new one. This results in a lot of wasted time, , and effort. Other bills have to be updated to the new card #, and sometimes late fees occur before every bill can be updated. Over the years, this never changes. Yet Experian has found new ways to trick consumers into their scam, by having the public sign up for a " free credit score '' etc. through different company names, then after there's a billing issue, it's discovered it's really Experian.

I've had countless screenshots over the years of this... But not readily available atm.

But, I'm sure I'm not the only consumer who's complained to this agency, as the internet is full of identical complaints to my own... So why does this agency still allow Experian to even exist??? They are a full scam. They hold SSN, dob and sensitive data. They effect FICO scores which effects too much in people 's lives. They really should've been shut years ago. How am I still needing to go through all this again and again. They're literally hiding under other services ' names, because no one trusts them. End this madness. I'm out of time and effort to spend on this nonsense. Experian is not a government agency ... Why do they have so much power, and who is giving them authority? Any other company who had this many complaints of financial scam, and held personal data and power over all lending and credit ... Would've been shut down. So, that's it... Shut them down.
Product: Debt collection

I called several times and spoke to several different representatives all of which confirmed that nowhere on the application was an administration fee which is what the {$150.00} debt they claim I owe which I do not. When I asked for proof of debt they sent a generic receipt. The only fee I was responsible for was a {$50.00} application fee as listed in lease application which was paid and I was denied apartment so I never moved in. The last 3 times I called I asked for a cease and desist and I still continued to get emails. The last call the representative said all he could do was put in a refusal to pay but said my credit will still be damaged because they are reporting. When I said its only on 2 of my reports he said are you sure?? Because we are reporting and its on your credit. All of their calls are recorded so these calls can be reviewed as well as records from me calling numerous times over the past few years
Product: Money transfer, virtual currency, or money service

PayPal prevented me writing and sending messages to them about its unfair practices. Every time I tried to write a message, I constantly was kicking out of my account and asked to log back in again. All my writings were get deleted and I had to start over. That made me to file a complaint with CFPB again. Even if I never got CFPB 's attention to my complaints reported unfair practices and financial abuse against XXXX  whose XXXXXXXX XXXX XXXX XXXX XXXX I hope that one day some decent attorney will help me to get satisfaction for my loses. I was shocked again that violators do not hesitate to violate the law, rules and order and allowed some foreign to me phone number be listed on my account, being able to control and manipulate my account. There is no security exist at PayPal. Complaints do not get proper attention and criminal rows are growing that will bring the world and life on the earth closer to end. PayPal gladly assist unfair monetary practices by bad businesses. Previously two years ago PayPal removed linked to PayPal, XXXX XXXX XXXX account to accomplish XXXX to expropriate over {$6000.00} of my son 's money and refused to send him a check to. After that PayPal removed my linked XXXX XXXX  account and whatever request they were getting from any financial institution. Is that really possible to get justice? Why bad PayPal prevented me writing and sending messages to them about its unfair practices. I tried to write a message and constantly was kicking out of my account and asked to log in back again. All my writings were deleted and I had to start over. That made me to file a complaint with CFPB again. Even I never got CFPB 's attention to my complaints reported unfair practices and financial abuse against elderly whose English is a second language. I hope that one day some decent attorney will help my family to get satisfaction for our loses. I was shocked again that violators do not hesitate to violate the law, rules and order and allowed some foreign to me phone number be listed on my account, being able to control and manipulate my account. There is no security exist at PayPal. Complaints do not get proper attention and criminal rows are growing that will bring the world and life on the earth closer to end. PayPal gladly assisted unfair monetary practices by bad businesses. Previously two years ago PayPal removed linked to PayPal XXXX XXXX XXXX account to help XXXX to expropriate over {$6000.00} of my son 's money and refused to send a check to him. After that PayPal removed my linked to PayPal my XXXX Bank account and whatever request they were getting from any other financial institution more or less. Is that really possible to get justice? Why bad businesses constantly gets protected and none held accountable. When two or more businesses involve it is a secret conspiracy. American criminal law is strong, but not used to teach a lesson to hungry for other people 's money criminal minds. It is extremely difficult to operate with PayPal, it is a torture. I want other people to know and have been aware of such business that do not care about its reputation.
Product: Credit reporting or other personal consumer reports

I called Trans Union to get my credit report on XXXX XXXX and after receiving it I noticed there were some hard inquiries that did not have permissible purpose according to 15 USC 1681b I also attached my credit report and shown that XXXX is violation of FCCA.
Product: Prepaid card

I've said it before, and I will say it again : to me, as a customer, I continue to see a collapse of auditing and regulation of these banks/services issuing prepaid/gift cards. 

They are purposely making it difficult to access/use the funds that were paid for. 

Another example : I received a prepaid Visa card purchased at XXXX. Package was intact, no sign of being previously opened. 

Upon opening the package, I notice two critical issues that immediately renders the card/funds unusable : the card number is missing the last 4 digits, and the security code is not printed on the back of the card. 

How is it possible that a bank packages a prepaid card missing critical information like that? Without this, I can't even use their website to check balance or request anything. I had to call and stay on the line for several minutes on hold, and talk with outsourced ( abroad ) customer service. To open a case, I was required to provide more personal information like date of birth - I tried to refuse providing that but then they would refuse service. Why do I need to provide my date of birth to replace a card that doesn't even have my name printed on it. That was never supposed to happen had the bank MINIMUM quality control over the cards printed. 
Funny that the barcode to make the purchase is intact, but inside the card information required to use the funds was not. 

Also, in their website, they already make it very clear how difficult it is to use the funds, saying that if transaction is declined, try to use somewhere else. I read on forum that this card gets declined in a lot of places ( like paying cell phone bills, and even utilities like water ). 

Plus this is a mess : card brand is Vanilla ; card issuer is XXXX XXXX ; card is services by InComm. I literally don't know who is responsible for what. The card shows Visa Debit, but it runs as Credit. 

It's all a huge mess. 

Until when this is going to happen? 
What else is required for you, CFPB and regulatory agencies, to take action against them? Why is these behaviors so accepted? 

There is clearly a fraud scheme going on, on purpose issuing low quality products making it difficult to use the funds. 

This is so embarrassing for this country, sincerely.
Product: Vehicle loan or lease

I purchased my XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX in XX/XX/XXXX. {$1000.00} deposit was placed to purchase the vehicle. Received a loan with XXXX XXXX at 19 % interest rate for 60 months. For a principal balance of about {$17000.00} with a monthly payment of {$470.00}. In XXXX of XXXX I was injured. I was out of work for 4 yrs.Due to this fact I went through some financial setback. Made payments during this time but payments were late or I couldnt pay. I contacted XXXX XXXX 4 times during the 4 yrs and payments was placed on the back of the loan. This extended my loan another year. Around the end of XX/XX/XXXX my car was repossessed by XXXX XXXX. I made a payment to them on XX/XX/XXXX {$2800.00} and got my car. Ive been making payments ever since. Never got any notification my loan was being switched. 
Until I got a notice from Santander Consumer USA demanding payment, in XX/XX/XXXX. Made a call in XX/XX/XXXX to get a payoff and was told I owed {$13000.00}. I asked how could this be? My loan is due to mature by the end of the year. Thats when I found out my interest rate was now 21 % and that my loan had not decreased much since paying it. Got a copy of my report during that time and discovered my loan had been charged off, since XX/XX/XXXX. During this time Ive been making payments up until XX/XX/XXXX. Called Santander they said it wont hurt me they have it documented Im making payments. I said not so because my payoff amount is not reflecting my payments. At that time I told them Im not making no more payments. My loan should be almost paid off and its not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting agency is not reporting my XXXX credit card account which has a zero   balance. They are also missing information on my XXXX credit card account. I am also complaining because an account XXXX  XXXX XXXX that was previously deleted off my report is appearing again. It is showing as an adverse account. It was deleted now its re-appearing.
Product: Mortgage

I requested through BSI mortgage online portal a Covid foreberance. I have called multiple times and I have received nothing. I call customer service and ask and they keep telling me paperwork is in the mail. It's been about 1.5 months. I am current on my mortgage and never been late but I am struggling financially and this is a hardship. My last call was today to follow up and the representative named XXXX started asking me why I applied for Covid forbearance and I told her I was laid off work, she wanted to know Why or how this was Covid related. I honestly was offended and she was raising her voice to me and I asked her why she was upset. My family was affected by XXXX. She kept insisting on for me to provide her a valid reason. I don't understand if she wanted proof. I had already filled out the application online and explained my reasoning for the request. She still kept insisting she needed more reason.Please assist me. I am current but if I don't get a job soon I will get behind and I don't want to lose my home. XXXX XXXX XXXX XXXX XXXX Covid has affected the entire world, including jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, this is my third time reaching out regarding this Bank of America account. This account is inaccurate and fraudulent and it needs to be removed from my credit report. I received a letter from XXXX stating the information was validated but there was no information as to how this information was validated, no proof was provided regarding my consent of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies which are Transunion, XXXX, & XXXX have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus (XXXX, Transunion, & XXXX). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 (a) 1 (A) you are required by federal law to verify with the physical original signed contract.  The credit bureaus state that they don’t have proof to provide me with & I am demanding these accounts be removed XXXX   XXXX XXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXX, & XXXX/XXXX XXXXXXXXXXXXX
Product: Credit card or prepaid card

I called Chase Bank back in XXXX to dispute a transaction of a washer that was bought at XXXX online but I had to returned it a couple of weeks later because it was Mal-functioning. XXXX promised me to refund my money in 7 business days and they never did so I decided to dispute the transaction through the bank. I have been a customer with Chase Bank for many years and this is the first time I dispute anything. When I first called they were very nice and courteous and told me not to worry that it was going to be investigated. 1 month later I received a letter considering the charge Valid because of the copies of information that was obtained during investigation and they included in this letter they sent me. The information they sent me belonged to ANOTHER person! They sent me personal information of someone else with a different name, amount of transaction, including their e-mail and all personal information which is a violation of the privacy act, it is absurd how they handled this investigation and sent information that has absolutely nothing to do with me.. they violated Federal Laws. The same week I went to chase bank and told them what their investigations team had done, their investigations team did n't even read the information sears sent to them because it did n't even had my name on that paper which " supposedly '' validated the charge on my card. 
I sat down with chase banker and showed him all the papers proving I had the right to have my money back including e-mails of the day they picked up the washer and PICTURES that I took when they were taking my washer away on XXXX XXXX at XXXX. After showing the proof the Chase banker was really nice and saw why I was frustrated and that Chase was definitely going to make it right. So he FAXED all the papers and proof that I had to Re dispute because the investigation team did n't do their job right sending me information that was n't even about me. 
After I went there and talked to the banker I was sure that everything was going to be ok. 1 month later, They send me a letter saying that after reviewing with the merchant XXXX XXXX they found that there was no record of return! How do they accept that excuse when I have PROOF that it was returned? I have an e-mail with date and time of the pick up AND I have pictures proving they were there on that specific time taking the washer away from me! They not only took the Brand new BROKEN washer that they sold to me but they also took all my money and do n't want to return what I work SO hard to make. Not only that but Chase reported my disagreement on this dispute to the credit agencies and destroyed my Credit. I had an excellent credit and now it is Fair because I disagree on a dispute that I have been fighting for months because I have been robbed not only by XXXX but my own credit card company. 
I am very frustrated and cried so many times, it is a big charge and it is not fair that they can just get away with all my money.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with XXXX and Equifax, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, XXXX has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX and Equifax have already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS.

Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX XXXX hard inquiries, ( XX/XX/XXXX ) and ( XX/XX/XXXX ) on my TransUnion report that do not belong to me. I want these inquiries to be removed immediately.
Product: Credit card or prepaid card

This is a follow up to a complaint that I filed regarding the Pentagon Federal Credit Union on XX/XX/XXXX, complaint number XXXX. 
I have not heard back from them regarding this complaint and as of the XXXX of XXXX they were still working it. 
I am filing a second complaint because since filing my complaint on the XXXX of XXXX the Pentagon Federal Credit Union erroneously flagged my Penfed Visa as closed where it has not, in fact, been closed. I am current on the account and make regular payments. I currently have a {$3300.00} balance and continue to make payments on this account. 
Reference the original complaint regarding this institution I have been working for over a year trying to clean up my credit as it had been adversely impacted by the fraud that I experienced in XXXX. It has been a long and grueling process. This month I applied for a mortgage thinking that I was to the point where I could get a decent interest rate with my improved credit score.

My mortgage officer questioned why my credit card account with Penfed was closed. I told her that I never closed it and I was making regular payments on it. I then called Penfed twice. The first agent did not know what to do and placed me on hold for an extended period and I finally hung up and called back. The second agent tried to help me but seemed baffled as to why the account was flagged as closed and it showed on her side that the account was open and in good standing. The only thing she said she noticed was that there was a code on the account which might have triggered their processing to notify the credit bureaus that the account was closed.This has cost me a full 1 % difference in what my mortgage company originally offered me for a mortgage. This equates to thousands and thousands of dollars over the life of a 30 year loan. This doesnt seem right to me. 
I am inquiring as to why my credit card account was flagged as closed, which hurt my already fragile credit score in the month of XX/XX/XXXX after I filed a complaint against Penfed in XX/XX/XXXX with the Consumer Financial Protection Bureau. Their response to the original complaint was that they needed more time and that was on the XXXX of XXXX. Was that more time needed so that they could start to erroneously flag my account as closed? 
This organization has done nothing to assist me in my plight and the fraud originally done on me. I think it is a fair question as to why this action was taken. Was it their antiquated IT systems or did someone code my account to show as closed while it is not? 
I need this corrected immediately. I attempted to get the agent to correct it when I called on the XXXX. She asked me to upload a copy of the area on the credit report that I got from my mortgage lender on the XXXX of XXXX. I was assured I would be called back. I tried to stress that this needs to be handled quickly because of the potential long-term cost of their error. Based on my prior experience with Penfed, there is zero sense of urgency. 
I am enclosing a copy of the area on my credit report which shows for the month of XX/XX/XXXX that this account is closed when it is not.