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

Date : XX/XX/year> Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Transunion Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, Transunion has not conducted a proper investigation nor provided the required documentation.

Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information. o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609
( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : Transunion failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The
failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Present below the inaccurate information persistently affecting my credit report.
Product: Checking or savings account

Somebody got access to my bank account so I went to my bank which is Santandar and they close the account. We went through the fraud department. This was in XX/XX/2023. It is now XX/XX/2023 and they are so refusing to refund me all my money I give them a police report statements everything that they have asked for theres over {$13000.00} that was withdrawn out of my account and they froze my old account once I went to, the fraud department and they told me that it was frozen and with that they still let funds go on the frozen account I gave him a police report. I went to the XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  was created as well and they saw that it was fraud, so I had those notes sent in, they owe me {$13000.00} and they are refusing to give it to me even though they are insured attached is the link to what happened I went public with it https : XXXXXXXX XXXX
Product: Credit card

On Sunday XX/XX/23 I was making a purchase on the Lowes online store site and as I was getting ready to pay I noticed a link at the bottom of the page with the first letter of my name a " XXXX  '' not a " XXXX '' where my name and address matches my form of payment my Lowes credit card. I clicked on the link to update my name and it would not change my name. Immediately after making my payment to the site, I received a pop on my screen from XXXX XXXX XXXX while my VPN is on advising XXXX thwarted a XXXX XXXX XXXX on my account. The Synchrony Bank account is not secure and infected by a virus displaying my account info. I made the purchase via the actual Lowes website and not redirected to a fake website. I tried contacting Synchrony Bank just now and was transferred to a black hole. I proceeded to call back and the wait time is over 30-minutes.
Product: Mortgage

My Mortgage was original with XXXX, XXXX and XXXX, Then bought out by XXXX XXXX XXXX. I received notices stating my payments hadn't been processed to my account. Next thing I start getting calls from XXXX XXXX XXXX, I tried to submit all my documents to them for help on resolving this matter, Then Fay servicing was calling, neither time was I notified of the switch. I sent XXXX, XXXX XXXX and Fay servicing all information canceled checks and 2 different statements from XXXX with different balance numbers, I also informed them the XXXX XXXX XXXX had walked off and abandoned the property and sent them a abandonment affidavit. I was laid off and struggled with each of these after faxing multiple times loan modification application and not getting any response on this account. I have tried to get them to help me save my home, Fay services stated there was nothing they could do to help me. Not even giving me chance or explanation. This is my home stead property, I am eager to save my home and a chance to do it. Come to find out Fay servicing was mailing information on the home to a XXXX XXXX another address not the home address not XXXX XXXX XXXX .Thank you
Product: Payday loan

We got a loan from Speedy Cash XXXX in the city of XXXX, CA. We paid it off on the due date and went on about our lives. About a month after we paid off the loan a payment was being deducted from our bank account. We went back to the Speedy Cash and got our money back. Two weeks went by and same thing happened, Speedy cash deducted the same amount from my bank account For a loan that we did n't get or apply for, my husband went and closed the account so this would n't happen anymore. Today ( XXXX/XXXX/16 ) I found out Speedy Cash took money out of my bank account for an account that has been closed and we do not owe them any money. We have talked to the manager but nothing has changed. I understand anyone can make mistakes, but making the same mistake 3 times? It 's not possible. 
My bank name is XXXX in the state of California.
Product: Bank account or service

About three years ago, in order to help my daughter refinance her car loan, I opened a Certificate of Deposit ( CD ) Account with USAA Federal Savings Bank ( USAA ) routing # XXXX. Since opening the CD there had not been any particular noteworthy events concerning the CD. However, during the past weekend I noted unusual activity for the CD in terms of interest payments. On XXXX XXXX, 2016, I contacted USAA to inquire about interest payments being credited and then simultaneously debited to my CD. Specifically, without written or verbal explanation the crediting and then debiting activity occurred on the dates of XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. 

When I contacted USAA, I was asked by the USAA representative if I had recently opened any new USAA accounts and had not provided a signature card to which I replied no to both questions. While on the phone, the USAA representative asked me to hold several times while she checked on my account status. After this had gone on for about 25 minutes, it appeared there was not going to be a timely response to my inquiry ; I asked the USAA representative if it might be possible for her to call me back. I noted that I was expecting an important call from the U.S. Department of Veterans Affairs that I could not miss. Both the representative and supervisor seemed indifferent to the fact I was a XXXX Veteran and needed to communicate to the Department of Veterans Affairs that several of my prescriptions needed to be refilled promptly. 

The USAA representative stated that she would not be able to call me back and that I must continue to hold on the phone until she had resolved the issue with my CD account. I then asked to speak with a supervisor and stayed on the line for another 10 minutes waiting until the connection with USAA was lost. Thinking that someone would call me back ( the USAA representative had already asked for my identifying information and thus had access to all my contact phone numbers ), I waited about 30 minutes before calling USAA customer service and asked to speak with a supervisor. I was told by the supervisor, that USAA implemented a policy about three ( 3 ) years ago whereby it does not call customers back to provide information concerning their respective accounts. 

At present, I still do not know why, unlike in the past, I am not being credited with interest to which I am entitled for my CD account.
Product: Credit card or prepaid card

This is a follow-up to CFPB Complaint ID XXXX. American Express ' response was non-informative and did not resolve my complaint/claim. Their response was the same response provided by the Customer Service Representative - very high-level information that does not show me exactly how AMEX calculated the interest charges as a result of my partial payment during the grace period. 

For each billing cycle in scope for my complaint, I want to see the numeric and formulaic detail used to calculate the " trailing interest '' charge for each period. This includes the exact transactions that were charged interest as a result of my partial payment, when did the daily interest charges start and stop, the daily interest rate, etc. 

I should be able to use the requested information and validate it by replicating the detail in an XXXX spreadsheet and come-up with the same total interest charges for each billing period in question. I can not do this with the information provided by AMEX so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts that are reporting inaccurate late payments. The following accounts are : Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} ( Equifax, XXXX, XXXX  ) Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$5400.00} ( Equifax, XXXX, XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX submitting this complaint against Experian and their is no third party involved as of today XXXX XXXX your company is entering a binding contract. Also your company is hereby to delete these accounts within 3 business days i will seek legal up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA.
Product: Credit reporting or other personal consumer reports

I have good credit fie with no charge offs or derogatory. I was listed as additional cardholder with Capital One on another individual 's Capital One credit card account. Capital One, when calling in did, and currently do, read a disclosure statement as an additional cardholder. The disclosure from Capital One, reads, I will not be personally responsible for the card. When applying for credit, other credit card companies advise me the credit card is not approved because negative Capital One account being perceived and judged by credit providers as my bad credit and responsibility for. After disclosing to credit card company providers, I don't have or hold a Capital One account, its another individual 's action and unfairness to me, in impacting and reporting on my credit causing perceived responsibility and defiantly NEGATIVE, the credit providers are disclosing its on your credit file as a large negative and impacting your ability to get credit until " i remove it '' or I pay it and this makes me responsible. Because I now need to appeal to remove it, its become something I am responsible for and that conflicts with Capital One disclosures too. This raises questions of fairness and morality too, me as a separate individual and nn account holder of Capital One. As NO other credit card provider i was additional cardholder for is reporting negative on my credit file, only Capital One. I am now in position to be responsible for removing the credit card, from my individual reporting, and because of this my credit worthiness is being impeded. I request it to be removed by Capital One from my credit file. My overall credit usage is {$3300.00} and at the time of filing this I only had 10 % credit utilization making me a good credit candidate, but for Capital One 's negative reporting on my file, for another individuals action.
Product: Credit reporting or other personal consumer reports

Complaint Type : Credit Reporting - Incorrect information on your credit report Issue : Dispute investigation by credit reporting company didnt fix error Complaint Details : I am filing this complaint regarding inaccurate and unverifiable information reported on my credit file by XXXX. Despite multiple disputes submitted to XXXX, no verification or validation has been provided as required under the Fair Credit Reporting Act ( FCRA ). The details of the accounts in question are as follows : XXXX XXXX Account ( # XXXX ) Conflicting statuses : " Closed at credit XXXX 's request '' and " Charged off '' Credit usage shows 100 %, with a balance ( {$440.00} ) exceeding the credit limit ( {$300.00} ) Missing payment history from XXXX to XX/XX/XXXX XXXX has not provided any validation documents from XXXX XXXX XXXX XXXX  Account ( # XXXX ) Reflects five late payments without clear documentation or explanation Reports a past-due amount of {$160.00}, despite a highest balance of {$190.00} Misleading status : " Closed at credit grantor 's request '' but still reported as past due No documentation validating the account details has been provided XXXX  Account ( # XXXX ) Discrepancies : Account lists a credit limit of {$300.00}, a highest balance of {$0.00}, and " Discharged through Bankruptcy XXXX XXXXNever Late '' Missing payment history from XXXX to XX/XX/XXXX The status shows " Completed investigation of FCRA dispute - consumer disagrees, '' but no substantiating documents were provided As a victim of the XXXX XXXX breach, I believe the inaccuracies may also stem from identity theft or fraudulent activity.

FCRA Violations : 15 U.S.C. 1681i ( a ) : XXXX has failed to delete or verify the disputed information within the required 30 days. 
15 U.S.C. 1681e ( b ) : Experian has not ensured maximum possible accuracy in reporting these accounts. 
Case Law Reference : In XXXX XXXX TransUnion XXXX ( XXXX ), the court ruled that credit reporting agencies can not rely solely on data furnishers and must conduct their investigations. XXXX has failed to comply with this precedent.
Product: Credit card

Chase states on their credit card website " Pay this balance every month by your due date to avoid interest on new purchases and prematurely paying off your flexible financing offer balances. ". This action was completed days prior to the due date and yet they charged interest. Speaking with Chase customer service directly they stated you need to have XXXX revolving balances for 2 months, or pay the entire balance off, in order to avoid interest. No where on their website, or monthly statements, is this communicated. Its a clear bait & switch of providing an 'Interest Savings Balance ' number, and then still charging interest. Omission of facts is a lie- and they clearly mastered that on their website/statements. Communicating all this to Chase Customer Services yielded multiple redirects, blame placed on 'the system ', no reimbursement for the incorrect interest, and finally the escalation team hanging up the call as they were not able to provide any resolution. Predatory and lack of resolution are the themes.
Product: Money transfer, virtual currency, or money service

I am writing to express my dissatisfaction with the current status of my ongoing transaction investigation. and I would like to formally file a complaint for further assistance and be reimbursed for misplaced money
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Experian credit report is unauthorized and not my credit inquiries : XXXX  XXXX XXXX, XX/XX/2021 and XXXX  XXXX XXXX, XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I request the deletion of this account from my records since it doesn't belong to me. I'm upset to see it on my credit report and am disappointed in the company for causing me this inconvenience. I urge the business to promptly remove this entry from my credit history. It's completely unrelated to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report experian again because they still have failed to update me with information regarding the claim. I have zero documents annotating the thing I am being alleged in my credit report. Please refer to my previous case with cfpb. That item should be deleted due to not verifying infomation. They don't communicate with the companies, so I don't know how they are able to make this conclusion about my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( 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 financial 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. '' ( Furnisher of information to credit agencies ) Never 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 Any other adverse item 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 1681s2 ( 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. 15 U.S. Code 1681e 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 and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Remove any old or duplicate phone numbers Remove any variations of your name that are incorrect Place a security freeze on all your reports
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018 I have tried for the 1000th time to gain access to my Equifax credit reports, I have submitted my PROOF OF IDENTIFICATION on more than one occasion, I have submitted my id, social security card proof of address. I am MAKING a complaint because they are charging me {$29.00} a month and I can't access my EQUIFAX credit report with the confirmation numbers they have provided! 

Again, I have tried to access my credit reports ONLINE since XXXX OF 2018.
Product: Mortgage

This financial institution is constantly requesting proof of insurance of my property and are continually adding their own lender placed hazard insurance even after I promptly submit the request for proof of insurance. My reputable insurance company has also sent them proof of insurance on several occasions on my behalf. Ive paid thousands of dollars in lender placed insurance, which I want back, as I have had insurance on the property the entire length of this loan. What is interesting is they have paid my own insurance premium via my escrow account as well as their lender placed premiums. Obviously I have insurance on the property. Another issue I have had is that they did not pay my insurance premium on time, so I had to make private payments to my insurance company for coverage. For example, my premium was due in XXXX and it was not paid until XXXX. My insurance company made several attempts to collect payment without much avail from this Company. This company also does not provide customer service during convenient business hours in my time zone. You can not leave a message or talk to someone outside of the insurance department about these issues. I have also tried contacting them via email without resolution. Their chat option on their website also does not work. I have had customer service ( whom could not assist me ) leave notes to my account. I asked customer service how I could file a complaint about my issues and they said there isnt a way to file a complaint within the company.
Product: Student loan

On XX/XX/19 my work received a letter from XXXX XXXX  to garnish my wages on my federal student loans for XXXX! This is the same company who over two years ago had my loans and did a qualification program where I paid them for 12 months then I would qualify to go to a lender who would consolidate my loans and base my payment on my income! After 9 months they sold me and had no info on me including who the new lender was! Now they are trying to do the same thing! I do not want to deal with them