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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Transunion to reinvestigate this accounts : XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

XXXX XXXX Visa ( USbank ) sent me an offer in the mail ( attached ) and under the Dear XXXX XXXX paragraph, the last sentence states : " This is your official invitation to apply! '' so that was the paper I kept. I always apply online so I never keep the paper application they included. A week or two later I went online to apply and could not find the " confirmation code ''. I was told by their representative to apply for the card with the offer online and when I get my card to send them the copy of the offer that was mailed to me and they would honor it. The offer that they mailed me stated that I would get {$100.00} statement credit when I spent {$500.00} and that my initial purchase and balance transfers would be 0 % APR for 15 months. I sent them a copy of their offer and then received this letter back ( attached ) stating that I would get XXXX bonus points and only 12 months 0 % APR. The bonus points are only good for XXXX XXXX products, which I absolutely no interest what so ever. I am also including the same offer I just got in the mail yesterday with their " official invitation to apply '' letter with the application that came with it. First off, if that letter makes the statement that it is the official invitation to apply, then why isn't the code on it or, at least, have in parenthesis " see application ''? Second off, why was I told by their representative a totally false statement that they would honor the letter?
Product: Money transfer, virtual currency, or money service

I have an account with PayPal. I have been trying to withdraw approximately {$13000.00} from that account back to my linked accounts with two major XXXX XXXX from which I made the initials transfers into the PayPal account. Neither the mobile application or PayPal 's website is allowing the transfer due to systems issues. I have even tried to withdraw the funds by requesting a check to be mailed to my residence. That functionality is disabled as well. I have reached out and have spoken with a PayPal representative. The representative acknowledged the technical problems PayPal was experiencing and advised that the issue should be resolved within 48 hours. I asked if the representative can process the check to me after having verified my identity, and her response that she does not have the systems capability to manually process that request. 
Unfortunately, the issue was not resolved within the promised timeframe. In sum, my money has been stuck with PayPal for several weeks and I am being forced to incur finance charges on a credit card that I wish to pay off from the proceeds from my PayPal account. No company handling consumer funds should operate in this way - that is, to offer no avenue to withdraw the consumer 's money.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, Experian, and XXXX, the consumer reporting agencies, for multiple violations of the Fair Credit Reporting Act ( FCRA ) and related regulations. These violations pertain to unauthorized sharing of my private information, lack of consent, failure to inform me of my rights, inaccurate reporting, and inadequate maintenance of reasonable procedures. 

As per FCRA Section 602 ( a ), consumer reporting agencies have the duty to handle consumer information with fairness, impartiality, and respect for privacy. However, XXXX, Experian, and XXXX have failed to fulfill these obligations by sharing my nonpublic personal information without my explicit consent, as mandated by 15 USC 6801.

Moreover, under FCRA Section 604 ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish consumer reports in accordance with written instructions from the consumer. However, the financial institutions - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - along with XXXX, Experian, and XXXX, have neither obtained my consent nor adhered to this requirement. 

Furthermore, FCRA Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to exercise nondisclosure options regarding the sharing of nonpublic personal information. However, the aforementioned financial institutions failed to provide me with an explanation of this right, thus denying me the opportunity to protect my privacy.

Additionally, FCRA Section 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items in consumer reports without authorization. Yet, the inquiries from 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 XXXXXX/XX/XXXX, are adverse items reported without my consent, constituting a violation of the law. I demand the immediate removal of these unauthorized accounts and inquiries from my credit report. 

Moreover, XXXX, Experian, and XXXX have reported inaccurate, non-mailable, and non-receivable addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the removal of all variations of these addresses from my credit report. 

Furthermore, the DEPT OF EDXXXX account ( XXXX for Experian, XXXX for XXXX, and XXXX for XXXX ) , opened on XX/XX/XXXX, is inaccurate and violates 20 U.S. Code 1232g ( b ). XXXX, Experian, and XXXX are also failing to maintain reasonable procedures, as mandated by FCRA Section 1681e, resulting in inaccurate reporting.

I demand the immediate removal of these inaccurate accounts and any variations from my credit report. Additionally, under 12 CFR 1016.7, I am exercising my right to opt out of the inaccurate reporting services currently furnishing my credit report.

Thank you for your attention to this matter. I anticipate a prompt investigation and resolution of this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

A bunch of accounts that are open in my name and incorrect information on my report and I want a thorough investigation of my report
Product: Credit card or prepaid card

I used my Venture card to purchase airfare. That trip was cancelled by the airline due to COVID 19. The airline issued me a voucher for the amount paid to be used within one year. The airline ceased all operations shortly after issuing the voucher and has recently filed for bankruptcy. There was no time when it was ever possible for me to use the voucher and it expired. I asked CapitalOne to reimburse me for the purchase as I received no goods in return. I was denied by CapitalOne for various reasons. One time I called in and they told me to wait to see if the airline would make amends. The next time I called in CapitalOne told me it was too late to get any reimbursement. I wrote two formal letters to CapitalOne but received no help. Ultimately, I paid for a service I never received and both the airline and CapitalOne showed no signs of helping me. I lost nearly {$400.00}. Other travelers on this flight who booked their airfare with XXXX and XXXX XXXX DID receive a full refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to XXXX XXXX XXXX XXXX for a account that is {$0.00} and was open XX/XX/XXXX to come off my credit report. The letter was returned mail. So I sent Equifax on XX/XX/XXXX a returned mail letter stating that the address they use to report on my credit report is false information and should be delete off my credit report. They send me a update of the address but the old address is still the same on my credit report.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directing towards Experian, Transunion and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and seek resolution ACCOUNTS THE 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 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, credit repair services, or other personal consumer reports

I have submitted the same complaints for several times already but still, this item is visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account below : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are XXXX different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into XXXX account. Therefore, for the last XXXX months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last XXXX months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made XXXX payments consistently. I contacted XXXX and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to XXXX regarding this, but I have also reached out to the XXXX major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- XXXX XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a name on my Experian File that is not mine and Experian has provided me with no recourse to remove it. Please ask Experian to remove the name " XXXX XXXX '' from my credit report.
Product: Credit reporting or other personal consumer reports

I was recently made aware that I was affected by the Equifax data breach, and upon checking my credit reports I noticed inquiries that do not belong to me 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: Vehicle loan or lease

I leased used car with first Hawaiian bank XXXX unfortunately I have have to out of country for a while so I returned to bank and I 'm back to home XXXX and bought new car at that time, I found out from insurance company. They said, company paid for this so they want to ask pay back so I paid by monthly with insurance payment. 
So I called bank explained, what happen and what I want to. 
But on my credit file still showed balance {$3200.00} and will be moved XXXX. 
I believe, bank cover the money anyway and I covered insurance company damages. 
So, I 'm requesting this matter should disappeared now. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously held a Bill Me Later account, also know as Pay Pal credit. The original service provider over the account was XXXX XXXX. On XX/XX/XXXX I entered a hardship program on the account with XXXX XXXX. They required that I pay {$52.00} upfront to bring my account current and they would decrease my monthly payments to {$36.00} a month, which I did. On XX/XX/2019 my account was transferred to Synchrony Bank and they became my new service provider. Synchrony Bank immediately started report my account as 120+ days past due to the credit bureau ( starting XX/XX/2019, even though they were not my service provider at that time ). I called Synchrony Bank asking why my account was showing 120 days past due even though I paid the {$52.00} to bring the account current. No one could give me an answer outside of ( the hardship program does not bring the account current, it just modify the payments ). I ask multiple people in the company what was the amount I needed to pay to have the account no longer show 120 days past due and no one had a number. As month passed I continued to call, file better business complaints and Synchrony Bank never gave me a solid answer why they were reporting this 120+ day delinquency. So recently I got fed up and emailed the CEO. I immediately got an email saying someone will reach out to me about my account. One business day later a representative from the office of the President for Synchrony Bank reached out to me. She told me they had to report the 120 + day late payments and could not go back and remove the late payments, even though I've already paid the account off and settle the debt. I asked her why did I pay the {$52.00} initial payment to bring the account current. She told me I entered the hardship program with XXXX XXXX  and they do not have access to any of the documentation from them. 

I am confused on how I entered a hardship program with the XXXX XXXX, paid to bring the account current ( at the time of them being my service provider ) and a new service provider takes over the account and voids that agreement. 

Synchrony Bank representative told me if I had some kind of documentation showing I paid the {$52.00} to bring the account current they may consider that. 

I called XXXX XXXX  and they keep sending me over to Synchrony Bank because they no longer service Pay Pal accounts. I am literally getting the run around to remove late payments from my account that should not be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 card

I lost my synchrony chevron card awhile ago ( XXXX ). They canceled the card and replace the card account ending in XXXX. Then suddenly out of the blue I get a {$250.00} refund check. Which I thought was strange. I deposited the check. After that, they never informed me that they made a mistake. Then out of the blue the old account shows {$250.00} owing and that it is in arrears. I called them and they identified they had made a mistake sending me the {$250.00}. I made a payment over the phone for the {$250.00} so we could call it a day. About a month later I go onto my account and there is the same {$250.00} owed and in arrears. I have been on the phone all day with them. They told me that the phone payment was not excepted. But they said the payment attempt was on XX/XX/XXXX. That is a blatant lie. I had major XXXX on XX/XX/XXXX and was in the care of my sister XX/XX/XXXX. I have no idea what these people are doing and I need help. XXXX XXXX XXXX XXXX. I do have some short term memory loss due to XXXX. I have no idea why they would lie about the date I made payment. I am requesting records from my bank.
Product: Vehicle loan or lease

On the XXXX of XXXX I sent in a payment of {$5000.00} which you received but then was lost before it could be credited to my account. 

I was asked to send over the copy stubs of the money orders which I did. After many phone calls to your call center being given inaccurate information with nothing being done I was escalated to the US escalations department. 

Again after nothing was done following my many phone calls and my time being wasted I finally asked to speak to a manager, I was connected to one named XXXX XXXX. He was very rude and dismissive. It was disgusting the way he spoke and treated me. He looked for any way to shift responsibility to me. He asked for copies of the money orders. No one takes copies of money orders or checks that is what the stub is for. I informed him that I didn't have copies and it was a very unreasonable request. I was told it was too bad and there was nothing that could be done for me. I then received a email saying my problem had been resolved. It most certainly was not resolved. If this is how management acts I'm not surprised in the way I have been treated. 


Many thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked them for proof XXXX  months ago and they never responded my mail or email 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

Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. I will also like to remind you of the XXXX XXXX XXXX Experian Information Solutions XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. Please be sure to send me the results of this request. 
Thank you. 
Account Name XXXX Account Balance XXXX XXXX Date Opened XXXX XXXX Account Name XXXX XXXX  Account Balance XXXX $ Date Opened XX/XX/XXXX Account Name XXXX Account Balance XXXX $ Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX Account Balance XXXX $ Date Opened XX/XX/XXXX ATTACHED YOU WILL FIND A COPY OF MY LETTER, IDENTITY THEFT REPORT ALONG WITH DOCUMENTATION TO VERIFY MYSELF ACCORDING TO SECTION 605B OF THE FCRA.