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

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged account removed from my consumer report. Experian and XXXX XXXX XXXX is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS
Product: Credit card or prepaid card

I have 4 Gift Cards with a {$50.00} value each that were given to me from a friend as a gift. I tried to use them but they have no money on them. I was told the law says money can not expire or be taken but they were deactivated and drained of the money over time. 
They were from Paypal XXXX  XXXX  and were XXXX XXXX XXXX Gift Cards. I will attach both the original order to my friend from when he bought them a few years ago and my photo copy off all four printed out Gift Cards I called both XXXX XXXX who was nice and tried to look them up but showed no money on them. I called both XXXX XXXX and XXXX XXXX Customer Service which said the same thing. They were sold by Paypal XXXX gifts so nothing surprises me about Paypal and their common issues. I talked to someone there who blamed XXXX XXXX and said to call them which doe not work. Paypal needs to PAY ME. The cards were purchased in 2015 and given to me that year also are are supposed to never expire.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

According to 15 USC 168i ( 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.

15 USC 1681s-2 ( A ) ( 1 ) ( E ) ( ii ) ( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency. 

( II ) Feedback An appropriate Federal banking agency shall provide feedback to a financial institution within 120 days of a request for approval under subclause ( I ).
Product: Credit reporting or other personal consumer reports

First of all, I tried to add this to the most previous complaint but there is no way to add anything even though it says that it is open. Why is this? This is an ongoing issue and I would really like Experian to correct what is incorrect. 

I did EXACTLY what it says on the Experian website of what to do if you want to report inaccurate PERSONAL INFORMATION. 

I think the arrogant, antagonizing response I got from " XXXX '' in the " fraud '' department should be posted for everyone to see. These people need to close down. 

It says on the Experian website that one can not dispute personal info online but only by phone, or mail. I called the NUMBER THEY LISTED. I WAITED ON HOLD FOR TEN MINUTES AND I GET THIS MAN NAMED XXXX WHO OF COURSE, SPEAKS WITH AN ACCENT THUS, THIS IS A CALL OUTSOURCED NOT IN THE XXXX. 

If that didn't feel uncomfortable enough, I want to say that having to give my SS number XXXX XXXX is enough to make anyone scream. 

I told XXXX the XXXX XXXX XXXX list XXXX is NO LONGER VALID IT HASN'T BEEN VALID FOR ABOUT FIVE YEARS AND IT BELONGS TO SOMEONE ELSE. 

I GAVE HIM MY VALID XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I TOLD HIM THEY HAVE AN APARTMENT ADDRESS THAT HAS NOT BEEN VALID FOR MORE THAN 20 YEARS. ABOUT 25 YEARS TO BE PRECISE. 

THIS ANNOYING MAN STARTS BABBLING ABOUT THE FAIR CREDIT REPORTING ACT AND I COULD XXXX XXXX XXXX XXXX. I SAID I AM THE ONE WHO OWNS THIS CREDIT REPORT, I AM THE ONE THIS INFO IS ABOUT AND I AM INFORMING YOU PER YOUR OWN XXXX CREDIT AGENCY AND YOU ARE TOO XXXX LAZY YOU ARE JUST RECITING THIS FAIR CREDIT ACT AND THEN I ASKED FOR THE NUMBER OF THE FEDERAL STATUTE OR ACT OF THE FAIR CRDIT BLAH BLAH BLAH AND HE COULD NOT PROVIDE IT.
Product: Debt collection

I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have wrong names inaccurate spelling of my name alias names and wrong previous addresses
Product: Credit reporting or other personal consumer reports

I was a victim of ongoing identity theft. Credit cards and attempts at acquiring a mortgage were made. I have three police reports that I have submitted too many times to remember and I keep disputing the same issues from the same identity theft instances. I have been turned down left and right from getting housing and financing. Experian, XXXX, and XXXX have been lackluster. I have no student loan debt. However, it still shows on two, if not all the reports.
Product: Credit card or prepaid card

For my Capital One Venture card, I received a bill that was dated XX/XX/2020 stating that I was being billed XXXX for the upcoming years membership fee. The first year fee had been waived when I got the card as an introductory offer. I was going to cancel the card, rather than pay the XXXX to have the card another year. I called customer service on XX/XX/XXXX and instead they offered to change the card to one with  no annual fee, but lower points earned per dollar. I agreed and switched cards, but now they have charged me the XXXX annual fee for the membership level I no longer have or wish to have, as well as a late fee. I have spoken to 3 levels of supervisors at customer service on XX/XX/2020 and have been told I can appeal this no higher and must pay. They state I must pay because it was billed to me, even though I made no charges in the 10 days between being billed and the cancellation date. I stated that I am being billed and expected to pay for a service I am not going to receive and stated I do not want to receive.
Product: Credit card or prepaid card

They wont approve me For my credit card Ive applied so many times its like they hate me and my credit ridiculous! This bank should be out of business
Product: Checking or savings account

I used a money transferring app that is directly linked to my bank account to make 4 payments, but I was being scammed. As soon as I realized this was a scam and not a legitimate company, I called my bank so they would stop the payments. But all they said is they would file a dispute. They allowed the transfer to happen and then told me it was the money transferring apps responsibility. The app blames the bank and viceversa, and none of the involved parties ( Santander Bank and XXXX ) are doing anything to reverse the four transactions. I sent {$4000.00} to the scammers. Please, I need my money back.
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 Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX Bank Account # : XXXX, has violated my rights. 
XXXX and XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX Account # : XXXX ****, has violated my rights. 
XXXX Account # : XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX  Account # : 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 or other personal consumer reports

So someone has and continues to use my information as my ID was stolen along with my information and these people have made my life and continue to make my life impossible and its becoming a living XXXX for the fact that Ive witnessed so much unprofessional behavior as well as total disregard for merits or truths that have given me a status of fraudulent therefore I am not allowed to have any kind of financial anything and its because of someone else having my identity and even led to me going to jail because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance Owed : {$0.00}
Product: Debt collection

This is my final warning before taking legal action against your non-compliant company for violating my rights as a consumer. I am appalled by your lack of response to my previous requests for an investigation into the inaccurate inquiries on my credit report. Let me be clear : I am willing and ready to file a lawsuit against all parties involved to protect my consumer rights. Your failure to respond to my letters is a clear violation of the Fair Credit Reporting Act, and I will not tolerate it any longer. Since you have shown no interest in resolving this issue, I am providing you with a list of inquiries that I believe are reporting inaccurately. I expect you to investigate these inquiries as you are governed by the FCRA. I have attempted to contact the companies responsible for these inquiries on my own, but they either do not have any record of me or their phone numbers on my credit report are incorrect. It is unacceptable that these companies have accessed my credit report without a permissible business purpose. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I bought a vehicle from Lexus of XXXX XXXX, although I didn't finance the purchase through them. I financed through XXXX XXXX. Despite this, Lexus XXXX XXXX XXXX bank conducted TWO credit inquiries. On my credit report, the first inquiry is listed as Lexus of XXXX XXXX ( XXXXXXXX XXXX XXXX ), and the second one is attributed to Lexus of XXXX XXXX ( TOYOTA MOTOR CREDIT CO ) . I've reached out to their financing department multiple times, and they assured me they would address the matter with their bank. Unfortunately, they have since ceased responding to my calls and emails. I've left voicemails regarding the issue, but there have been no updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXXbut when the mortgage lenders tried to get my credit report nothing would show up. I have called equifax, and XXXX XXXX and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to report what appears to be TransUnions inadequate investigation of inaccuracies on my credit report : Disputes Filed, XXXX XXXX : I have filed multiple disputes concerning specific inaccuracies on my credit report. However, the disputes were often marked as verified or updated within a very short timeframemuch sooner than seems feasible for a thorough investigation. 

Insufficient Review of Evidence : In my dispute submissions, I provided supporting documentation clearly demonstrating the errors ( e.g., proof of payments, correspondence from creditors, etc. ). Based on the swift and unchanged outcome, I have reason to believe TransUnion may not have fully consideredor even reviewedthese documents. 

Persistent Errors and Recurring Issues : Despite raising these issues multiple times, the inaccuracies either reappear on my credit report or remain uncorrected. This recurrence indicates a lack of thorough follow-up or effective correction procedures within TransUnions system. 

Negative Impact on Creditworthiness : These unresolved errors are damaging my credit standing, restricting my access to favorable loan terms or interest rates. I believe that my consumer rights, as outlined by the Fair Credit Reporting Act, are not being fully upheld. 

I respectfully request the CFPBs assistance to ensure TransUnion properly investigates my disputes and implements permanent corrections to my credit file. I also ask that the bureau review TransUnions dispute processes to ensure they comply with consumer protection regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I maintain freezes all of our credit report unless we need them open. If so, we open them temporally and then freeze them again. We are strict about this following the Equifax hack, especially after it came out how irresponsible they were with all of our personal data. 

We have decided to refinance our mortgage, and went to lift all 6 of our freezes. The only freeze that can not lift was my wife 's Equifax report. First, their website locked her out without explanation, second, their automated phone system is both very cumbersome and sensitive to background noise which resulted in her being locked out of her account unless she faxed or mailed documentation to Equifax. There is no way to speak to a US based call center, and no expedited process for users needing urgent support. 

Equifax has placed an unjust burden on consumers like my wife and I, and are effectively holding us XXXX in the face of a rising rate environment.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

The fraud accounts are as follow XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This item is not accurate and it not complete, How can you have the item charged off again in XX/XX/XXXX after the item was already charged off in XXXX and paid and closed. Please remove this item, due to everything is not accurate and not complete. A compliant to the CFPB will be issued for reporting inaccurate information. 

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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX  XXXX XXXX XXXX : {$9400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Experian, XXXX and XXXX credit bureus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here are the list of account and Inquiries that are still reporting on my Credit Reports : ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has sold the alleged debt to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is still harassing, reporting and attempting to collect on this debt. This is violation of FCRA, and Privacy Act. However it is still showing on my report. The accounts ending in XXXX, XXXX, XXXX. This data is inaccurate and illegal.
Product: Checking or savings account

On XX/XX/19 I deposited a check in the amount of {$12000.00} into my Bank of America small business checking account and I was notified that there would be a hold on this deposit until XX/XX/19. I called the customer service line and was told that they didn't know why there was a hold. Then I contacted my local branch in XXXX CT and they didn't know why there was a hold and there was nothing they could do about. I never received in writing why this hold took place. 

Since XX/XX/XXXX I have deposited several large amounts and have not had a problem. Then on XX/XX/19 I deposited a check in the amount of {$10000.00} and was told there would be a hold until XX/XX/19 so I went into the local branch in XXXX, CT and the manager told me the reason it has a hold is the check was not made out exactly like the name on the account and there was nothing he could do. This was the 3rd check in a month from the same person and I had no trouble with the other 2 checks.

My problem is that the money cleared the bank where the check was written. So now I don't have the money but Bank of American does and I feel that I am being scammed by Bank of America. Once my hold is over I will be switching banks. I have had this business account with Bank of America for over 30 years. They just don't seem to care about a small business.