23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Our USPS Mailbox was broken into and my California State ID and Vehicle Registration information from the Department of Motor Vehicles ( DMV ) were among the stolen mail pieces. Somebody tried to apply for the following accounts below : XX/XX/year> MACYS/CITIBANK, N.A. MACYS/CITIBANK, N.A., CITI XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CITIBANK NA. , BEST BUY CITIBANK NA., BEST BUY, CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was alerted of these hard inquiries via XXXX XXXX and I already reached out to XXXX to dispute these 2 inquiries and this was their response : The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/year> XXXX macys/citibank, n.a. XXXX The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/year> XXXX XXXX, best buy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Prepaid card

I was issued a refund in the form of a XXXX debit card by XXXX, through a 3rd party card service generated and managed by North Lane, tethered to XXXXXXXX XXXX XXXX -- according to the paperwork received with the card. This service was sold to North Lane Technologies , Inc. 

North Lane was purchased by Onbe of XXXX, IL and takes no responsibility for the status of my refund. 

My refund is FDIC insured, according to the paperwork.
Product: Credit card

my credit report says that I opened a credit card account on XXXX XXXX with Citicards CBNA. I never even heard of this company before let alone open an account with them. Could you please help me.
Product: Debt collection

The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with ava finance , I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with ava finance customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights. Ava finance is tarnishing my name and credit profile by reporting these 7 late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedure
s designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing this letter to submit a formal complaint regarding the permanent limitation placed on my PayPal account. I believe that the limitation was placed in error, and I would like to appeal the decision. 

Firstly, I want to make it clear that I have not violated any PayPal policies. I have always complied with PayPal 's terms and conditions, and I have used my account solely for legitimate purposes. Therefore, I strongly believe that the limitation was placed by mistake. 

Secondly, I would like to request that PayPal re-investigate my case thoroughly. I believe that if PayPal conducts a comprehensive investigation, they will find that there is no basis for the permanent limitation on my account. I am confident that PayPal will find that my account activity was legitimate and lawful. 

Lastly, I kindly request that PayPal restore my account if the investigation finds that the limitation was indeed placed in error. I have been a loyal PayPal customer for several years, and the permanent limitation has caused me a great deal of inconvenience and financial loss. I believe that restoring my account is the right thing to do, and I hope that PayPal will take this into consideration. 

In conclusion, I respectfully request that PayPal re-examines my case and lifts the permanent limitation on my account. If you require any additional information from me, please do not hesitate to contact me at the email address associated with my account : XXXX. I appreciate your time and attention to this matter. 

Thank you for your understanding. 

Sincerely, [ XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 at XXXX XXXX eastern time at the Bank of America on XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX I deposited {$1000.00} cash and the atm returned {$400.00}, I attempted to deposit the returned {$400.00} and the atm said the cash could not be returned or accepted. Still, it has not been credited to my account and Bank of America has been unresponsive. After reading online similar experiences from over 20 previous Bank of America clients that said the same thing and never got their money back I am very concerned that the same will happen to me. My rent is due in a few days and I would really like my money back into my account as I pay my rent electronically.
Product: Debt collection

I have tried to settle this matter with Fair Collection & Outsourcing several times. Fair Collection & Outsourcing has used false and misleading information to try to course the consumer into paying an allege debt by harming my credit without providing and evidence under penalties of perjury to avoid the risk of fraud. They have violated my rights under the Fair Debt collection act and reporting debt illegally and unlawful. I sent a debt validation letter XXXX XXXX notice XXXX third notice XXXX and fourth notice XXXX. Fair Collection & Outsourcing has provided documents from other entities that they can not sign and verify as 100 % true and correct a violation of the Fair Credit reporting Act.
Product: Debt collection

I had a charge account for {$300.00} and I only made one charge of {$150.00} and this company is committing fraud by putting it on my credit report for {$610.00}. Ive disputed this account before with credit bureaus and the company trying to rip me off and nothing has been done. Please get this removed and taken care of.
Product: Vehicle loan or lease

Thank you very much for your response. First of all, XXXX XXXX where I purchased the XXXX XXXX already called me on Sunday ( XX/XX/2018 ) and informed me that they had already sent the check amounting to {$2400.00} to Santander. However, Santander bank claims that they have not yet received this {$2400.00} dollar amount refunded and which should be deducted from my principal amount. Please can you find out who among these, either XXXX XXXX or Santander Bank is telling the truth about my {$2400.00} before the money disappears again? 
Secondly, the Santander Bank still does not clarify/verify the exact amount of Principal ( money ) I will owe them after this fraudulent warranty that was even voided before it could take effect amounting to ( {$2400.00} ) is returned and is deducted from my principal amount. Although Santander agrees to deduct this amount of {$2400.00} from my Principal amount of purchase of this XXXX XXXX. In the response letter from Santander Bank ; Santander bank explains that I am expected to pay the same amount of money ( {$470.00} per-month for this car loan ) over the next 60 months as was previously signed. This can not be the case because after the principal amount has been reduced, I can not still pay the same earlier bill for this car. And as per the laws in California, loans are charged with simple interest. Please can you prevail on Santander bank to ensure that they do trustworthy and fair business and that I am not illegally billed unfairly even after this illegally warranty by XXXX XXXX is refunded ( which XXXX XXXX claims to have already sent the check to Santander but Santander says they have NOT yet received the check of {$2400.00} ).  Thank you
Product: Checking or savings account

Bank of America is holding my deposit. They gave me a scheduled release of funds and have made none available to me on the specified dates. After giving me a scheduled release of funds the bank then put an extended hold on all of my funds not releasing any of the money for 9 days. Legally they according to Regulation CC they are required to release {$5500.00} of the funds to me and hold the remaining until their required date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX  XXXX & they told me I've never missed a payment, yet XXXX, XXXX and TransUnion refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, XXXX and TransUnion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile.
Product: Vehicle loan or lease

I recieved a letter from Navy Federal Credit Union ( NFCU ) dated XX/XX/2022 stating that I had been denied a line of credit after I've submit and application on XX/XX/2022 for the purchase of a used automobile. The letter also informed me of my " credit score '' and the day they made a consumer report inquiry. The letter also stated that they " are unable to give specific reason why we denied credit to you. '' This leads me to believe that this is a discriminative action due to my heritage. This is a direct violation of 15usc1691a ( 1-2 ) I am of the XXXX XXXX XXXX and we are often treated unfairly. Their action of " denial of credit '' also is a direct violation of my federally protected consumer rights according to 15usc1681m and 15usc1691d ( 6 ) ( Adverse Action ) 15usc1681n ( willful non-compliance ), and 15usc1681o ( negligent non-compliance ).
Product: Debt collection

Despite confirmation from associated banks and the submission of documentation, Experian has failed to promptly remove fraudulent accounts from my credit report, violating legal obligations. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel some errors are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix it. Please reinvestigate these accounts. Please check the inconsistency reporting of the Account number, Date Opened, Last Reported, Date of Last Active, and date of Last Payment. You must report this account accurately. Correct this matter ASAP : EXPERIAN : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

My mortgage servicing was switched from XXXX XXXX XXXX to SunTrust Mortgage. I have received XXXX letters explaining this and how to set up an online account with SunTrust in order to pay my mortgage and that I can and must do so after XXXX XXXX. However I got a error notice every time I tried to set up the account. I have now made 3 phone calls to SunTrust trying to figure what is wrong and keep getting different explanations such as we do n't support Mac computers ; our website only works on Internet Explorer ; our website will work on Chrome but you have the wrong version ; you ca n't set up an online account until after XXXX XXXX, 2016. Each time I questioned the incorrect information, I was put on hold, or chastised by the customer service agent for suggesting that it might just not be " my fault '' that it 's not working, or told to stop yelling ( which I was n't ) or told to NOT do something else that I was n't doing or simply put on eternal hold. I just want to set up automatic payments and pay my mortgage and do n't understand why SunTrust ca n't produce accurate instructions and polite customer service agents who are well trained enough to figure out when it might just not be the customer 's fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Westlake Financial did a credit hard inquiry without my consent. Per TILA I must be aware of what the contract loan is. I never spoke to nor authorized Westlake or any third party to give consent for them to violate my privacy. My credit file had a fraud alert on it and clearly states I must be contacted before credit is ran. I never spoke to Westlake verbally or gave a written consent. Westlake sent me a letter of apology which states their inquiry was no effect on my credit report which is untrue. They did a hard pull not a soft inquiry.
Product: Credit reporting or other personal consumer reports

Experian permitted another soft inquiry into my report which is on a permanent security freeze. The soft inquiry is being show as of the date XX/XX/XXXX. Despite my instructions to Experian to keep my credit report on a permanent security freeze, Experian by their own authority continues to allow inquiries into my financial privacy in violation of FCRA. I have no current account with any of the entities being permitted by EXPERIAN to view my report under a soft inquiry. To date as per previous complaints submitted to CFPB Experian continues to ignore the FCRA by allowing unauthorized access without my permission or consent. EXPERIAN has not provided an explanation as to why they are self authorizing themselves to ignore the FCRA. 

What could be the purpose of EXPERIAN 's self authorizing defiance of the FCRA to continue to permit access under a security freeze, to entities who do not have a right to know under FCRA as they do not provide financial services to consumers and or I have no current open account with, and that I did not give permission or consent to them, and have not applied for any financial products from them? 

It seems that EXEPIANs self authorizes themselves to continue to violate my privacy and ignore FCRA. They do not want to address my complaints and have not appropriately answered questions in my former complaints. They have not honored my request for action to remove unauthorized access to my credit report and continue to disregard my letter of instructions. 

Previous complaint narrative : In XX/XX/XXXX, I received acknowledgement from Experian that my credit report was in security freeze status. I received an updated credit report recently from Experian showing a number of soft inquiries from the following companies. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( no phone number, duplicate inquiry ) Experian XX/XX/XXXX XX/XX/XXXX I did not lift the security freeze during any time after XX/XX/XXXX and Experian acknowledges that I am in security freeze status today as of this complaint. I did not authorize any of these companies to do a hard or soft credit inquiry. Experian shared my private information without my knowledge or consent. I sent two letters, one with instructions and the other about the soft inquiries, see attached files.
Product: Mortgage

Chase paid my insurance in XXXX XXXX and analyzed my escrow on XXXX XXXX. Afterwards, Chase escrow was set up ( not by me ) to pay insurance twice in XXXX and XXXX of XXXX. I have requested an new escrow analysis 3 times since XXXX XXXX, and as of XXXX XXXX, no analysis has taken place. My mortgage payment has therefore more than doubled. 

I sent my regular payment last week, and found on ( yet another ) escrow-related call Thursday that it had been applied not as a mortgage payment, but as a principle payment, and that my regular mortgage payment was listed as still due. While on the phone, the customer service rep said " while I have you on the phone, I 'll switch this from a principle payment to a regular payment. '' Yet when I called on Sunday to make sure that had been done, it had n't. 

Just this month, I have called : XXXX XXXX - XXXX said they would do an escrow analysis XXXX XXXX - XXXX refused to listen ; after several requests to speak to a manager I was switched to XXXX, who said they would do an escrow analysis and send me paperwork to remove my insurance from escrow, as I no longer trust Chase to handle this properly XXXX XXXX - XXXX XXXX said she would request an escrow analysis and switch the payment from principle to regular XXXX XXXX - the robo confirmed that the last analysis was in XXXX, had not been done any of the 3 times this month I requested it, and that the last payment was still marked as principle-only. I have also not received any paperwork to remove my insurance from escrow. 

I also sent a letter on XXXX XXXX regarding this debacle. On XXXX XXXX, XXXX confirmed they received it. I have had no other response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from AFS ACCEPTANCE located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Mortgage

On XXXX XXXX, 2020, Chase did the payoff process by sending lien release form to XXXX County, they provide the estimate for the fee and did not offer the option to ask me if the property is owner occupied ( which is true for me ), that's why XXXX County charge {$75.00} more for the lien release. Chase is in the business of mortgage and they should know SB2 charge ( {$75.00} ), they insist it's my responsibility to find out that and tell them in advance which I disagree. I've contacted them through their web portal, they only respond with name " Chase Escalates '' and phone number XXXX, which look to me no one in their company want to take any responsibility for this respond.