23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED. I need this account verified in order to clarify my credit report Here is the account : XXXX 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, 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

FINAL WARNING : Please stop Experian from violating my rights, I have attempted to fix the violations without legal counsel and no longer will. I will exercise my rights and wide social media following to bring awareness to my situation and potentially the ones of others. I ask again for the final time, please block, delete, remove the information listed below immediately. I did not give written consent. 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 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 card or prepaid card

We used our travel rewards on our credit card with Chase using their Chase Travel Rewards service to buy a return trip ticket from XXXX XXXX  to XXXX XXXX for travel on XX/XX/XXXX and return travel on XX/XX/XXXX of 2022. The chase credit card is in name of XXXX XXXX. The travel was for XXXX passengers XXXX XXXX ( wife of XXXX XXXX ) and XXXX XXXX ( son ). The trip ID was XXXX. We used our rewards points with additional cash amount. It was a refundable ticket. We were not able to use the return portion of the ticket due to a death in the family and informed chase travel rewards and the airline ( XXXX XXXX ) ahead of the return travel date. 

Chase travel rewards has now been giving us the run around to refund our amount for the cancelled leg of the flight. After XXXX call and spending XXXX hours with them they finally processed a refund or {$2000.00} on XX/XX/2022. They also gave us a processing ticket number XXXX, but till date have not remitted that amount. After following up they have started to deny that the amount was processed, have started asking for additional fees to reprocess the refund and have been giving us the run around. They often disconnect the call after having kept us on the line for an hour and never call back. We seem to have no redress. Please help us.
Product: Payday loan, title loan, or personal loan

In XX/XX/2020 I paid off my loan ( account # XXXX ) early. After my payment went through I closed the bank account that I had auto payments set up through as I only used the account for this loan. I later received notice that I was owed a {$68.00} origination fee refund. This refund was sent to my closed account and as a result I didnt receive the refund. Since then I have called in several times to get a refund check issued, every time I was told a request was submitted, but I have yet to receive anything. I know that the first day I called about this I was told that my previous address was on file, but that if I updated it the check would be sent to my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company I am complaining about : Experian Mismanaged product offered : Credit Freeze Problems caused by Experian : unable to obtain or increase credit. 

I cancelled a credit freeze at Experian prior to last XX/XX/2019. On their website, it confirms that I do not have a credit freeze. However, this is not the experience when I interact with vendors, creditors, banks. I recently attempted to increase my credit card limit with XXXX. They told me they could not proceed because I still had an active credit freeze with Experian. I ran into a similar situation for months last year attempting to get credit approval to subscribe to a new XXXX XXXX XXXX Internet service. 

Experian needs to fix this situation by truly cancelling the credit freeze on my account so lenders, creditors, suppliers have access to my credit information and approve any related transaction. Just showing that my credit freeze is not active on the website does not mean anything if their internal system do not reflect the same situation.
Product: Credit card or prepaid card

in summary ( beforehand! ) can the bank, where my XXXX check is automatically deposited, force you to install an " app '' in order to view your transactions online? 

since inception of said account i have used their website to log into my account so i could view all transactions. suddenly they changed their manner of logging in. this is where the problems begin. 

they have a redirect to a certain url for certain numbers. this new url is literally not functioning in any way and the directives are very confusing and unclear. several follow-up attempts to contact them only results in recorded messages and when you've heard all they have to " say '' - the call is dropped. 

i liken this denial of viewing each transaction does not enable me to have any confidence of what my balance is at any given time. 

please advise me of what can be done XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have notified Santander Consumer that I was a victim of Identity Theft, my wallet was stolen, I provided Santander Consumer with a Identity Theft Affidavit. To date, Santander Consumer has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.
Product: Credit reporting or other personal consumer reports

I noticed their was 2 hard inquiries on my account that I did it do I called the people over them and they was supposed to take them off its been over a month and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Great American FinanceXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

I received a pay statement from ally bank, I went forward and accepted it for value. They continued after by putting a restriction on the account and would only accept certain forms of payments, I sent a letter in to validate the debt. I do believe the account is paid for in advance I asked 10 questions regarding where the money came from and how was it circutrated in my name without my consent. They failed to validate the debt within the time frame given twenty-one ( 21 ) days they also failed to stipulate their claim against me for owing said amount.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am in disagreement with the account listed below which still appears on my credit report. 
This is aggravated identity theft.
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, 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

Under the FCRA Law 15 USC 1681G ( a ) Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( XXXX ) All information in the consumer 's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. I personally submitted a dispute to Experian XX/XX/2024 to physically verify signed original contracts with my signature from all of the accounts that were being reported on my credit due to my information being impacted by the XXXX data breach. They sent me a stall letter stating they would not be adding my correct address due to to an address listed on my credit report that they did not have on file when I in fact included a copy of my drivers license, social security card, and a copy of my insurance policy with the same address that is on my drivers license in my dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed my credit report which contained information being reported by Kay Jewelers. 

I mailed a certified dispute letter to Kay Jewelers requesting validation of the account being reported by XXXX, XXXX, and XXXX. 

I received a response on XX/XX/XXXX stating : " All account information and documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Kay Jewelers, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do validate the account, due to lack of paperwork. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

Kay Jewelers has violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to  correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.
Product: Credit card

I requested my report and I found that Pay Pal ( account ending XXXX ) from XXXX XXXX  desapear on XXXX, XXXX and XXXX reports The last reports requested was on 2020. They were showing this account and information. Today the information is missing. 
I am worry about this issue, because many cards are missing on my credit reports from XXXX, XXXX and XXXX. 
I want to see this information on my reports and an investigation for this irregular issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX agreed to remove the XXXX XXXX of my credit report. 
*XXXX XXXX XXXXXXXX is reporting an account that i didnt open and XXXX XXXX  removed it, it was open when i was in XXXX 
XXXX XXXXXXXX agreed to update the late payments i wasnt late and that was over 30 days ago. 
XXXX  agreed to do a pay to delete and they took my money without updating my report. 
XXXX XXXX has inaccurate info, balances, dates, amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing one of its customers to make fraudulent reports on an account that is closed. They continue to violate my rights and FCRA. 

Experian parrots what their clients states and does not do their own investigation. 

Ive asked both Experian and their client to please provide me any document showing Ive opened or reopened this account since its been closed in XXXX. 

Account is reported closed paid in full one month then open with a different ( raised amount ). With no documentation of this being linked to my authorization.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 ( 3 months ago ) I sent {$1100.00} to a friend via Paypal. Paypal froze his account and wouldn't let him have the money. He reached out to them and wasn't able to resolve the issue. It sounds like they needed to confirm whether he was a fraudster, or make sure this wasn't some kind of illegal activity. I have been friends with his family for about XXXX years now, and they are definitely not criminals. This was just meant to be a gift to a friend. 
About a month later I opened a support case with Paypal, and they said there was nothing they could do. They closed the case. 
This week I reached out to Paypal 's support again, and they told me again there is nothing they can do. 
Paypal has suggested that I file a complaint with my credit card company to try to get the money back, which I might do, but that seems wrong since Paypal has my money and they are the ones refusing to release it or refund it to me. I believe I've gotten really substandard help from their support team. They've repeatedly said incorrect things about the transfer and don't seem to know what to do to reach a resolution, so I decided to open a complaint with cfpb first to see what guidance and advice you might have. Any suggestions or help would be greatly appreciated. 

Thanks!
Product: Credit reporting

I am still having problems with my personal checks being declined by Certegy Check Services. I need to know the reason why my personal checks are being declined. My XXXX XXXX XXXX checking account has a current available balance of : {$50000.00}.
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX XXXX BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$150.00} XXXX # XXXX XX/XX/XXXX -- {$750.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX # XXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Honda Financial Services is incorrectly reporting to my credit. They have report my car payments late 7 times. When I in fact was not late and I have the proof that I wasnt late. My payments are due on the XXXX of every month but 7 different times when I paid on the XXXX they marked my payments as late and reported it to the credit bureaus. I made them mail me copies of my payment history. These are the dates they marked late but I have proof I wasnt late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I want these 7 payments credited to my account as made on time and I want the adjustment made with the credit bureaus. I also want the fees associated with these late payment removed because I wasnt late.
Product: Debt collection

I have sent disputes letters to the credit bureaus for this account, and the company did not respond. The company says I owe XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of an unauthorized account and inquiries on my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit report. 
The following account was not opened by me and should be immediately blocked and deleted : XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX  - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted by certified mail identity theft report and request to block certain accounts from being on credit due to identity theft also attached police reports and notarized theft affidavit upon completion they did not block the following accounts : XXXX XXXX XXXX XXXX XXXX Contacted the credit bureau again this time on the phone and I asked for them to correct issue I was told I can not dispute anymore I then told them I put in request to block the info with supporting documentation he put a dispute in instead so once again it was not honored
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting that I am ( 120 )  days late on the DEPT OF ED/XXXX partial account numbers : XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I  have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts are as follows : XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, Dept of ed/XXXX ( # XXXX, # XXXX ), XXXX XXXX # XXXX, XXXX XXXX # XXXX. 


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 an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.
Product: Debt collection

I had an XXXX XXXX  account and found it to be a terrible service so I cancelled it in XX/XX/2021. I kid these people the monthly fee for XXXX in the amount of {$29.00} and then another {$120.00} for a service call to use the service the last time which was taken on XX/XX/2021. I told them to no longer charge me as I am cancelling. They continued to try and take money out my account so I had my bank block them from doing so. Now Im getting a debt collection letter from another company stating I owe XXXX XXXX another {$88.00} which is completely false as I paid them in full my last month and no longer wanted their products. I called them many times and either never get an answer or I get the run around. Please dispute this as my credit is very important to me and I never have unpaid debts. This should be removed from my credit report and field as inaccurate and at this point fruadulant. 
Original account info XXXX XXXX XXXX : Phone XXXX ( XXXX ) XXXX Debt collector that now has the account : Nationwide credit inc : Amount {$88.00} Phone XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fee I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, or personal loan

I was issued a 37 month personal loan by XXXX XXXX for the amount of {$1700.00} in XX/XX/2017. The current remaining balance is {$1500.00}, Ive been making payments of $ XXXX monthly for 11 months ( on time ). The interest rate on this loan is astronomical, I signed up for a 37 month loan and at this rate it is going to take over 120 months to pay off. How can one term of my loan so heavily contradict another? Is this legal?