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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

On XX/XX/XXXX, American Express sent me a marketing offer through email, offering me XXXX sky miles if I added an authorized user, and they spent {$500.00}. I read the offer carefully, added my husband to the account through the site, and he met the requirements in XXXX. I contacted contacted Amex on XX/XX/XXXX inquiring on when I would see the miles added. The rep was not aware of the offer but filed complaint XXXX, and asked me to upload the offer email to their document center, which I did the same day, I contacted once since then and was told the case was still being worked. Today XX/XX/XXXX I contacted them and was advised the case was closed weeks ago, and that a different vendor code was on my add authorized user. I did not have an option to add any code and the offer does not state I had to follow a specific path, such as using the link in the email, or adding a code to qualify. The supervisor offered to create a new case and start again, and asked me to upload the same documents that are still visible in my document center, which the rep I spoke with before the transfer to him could see. I checked, and they are still visible in my document center. He stated I would still not be contacted on the outcome. 

I feel this was a bait and switch on the part of Amex and that their marketing in this case was deceptive.
Product: Credit card or prepaid card

I tried making a credit card payment from Bank of America utilizing my XXXX checking account. Bank of America is saying the charge was rejected and after calling Bank of America they rejected to remove the {$25.00} return charge fee from the transaction. I then called Bank of America and they said I would need to confirm with XXXX  the transaction and why it was rejected.

I contacted XXXX and was given the following by them : " Thank you for clarifying ; I do not see any declined requests or charges that did not process. If we did not authorize a charge, it would be documented - I do not show any request. '' Bank of America has no right to charge me a fee when my XXXX  checking account has sufficient funds and the pull was not even initiated or recognized by BOA. BOA will not provide a resolution in this matter.
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for.I 'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated bank deposit transfer via Xoom of US {$990.00} to a recipient in XXXX XXXX, transaction # XXXX. On XXXX XX/XX/XXXX, Xoom reported the transaction completed. The recipient has consistently stated the deposit was not received. I have contacted Xoom by both email and telephone multiple times. Each time, they simply state the " transaction was processed successfully. '' I have asked for proof of deposit along with details of the account where the money was deposited. They have yet to provide proof. Instead they insist on the recipient providing a bank register/statement. Today, XXXX XX/XX/XXXX, I received an email from the recipient 's bank manager stating the account has been closed since XX/XX/XXXX. I forwarded the email to Xoom and again asked Xoom to provide proof of the deposit. In response, they again refused. My recipient must have provided details for the wrong account, since it had been closed but I am unsure why my recipient provided details for a closed account, but how is it possible to deposit funds into an account that has been closed for three years? And why is Xoom resistant to providing evidence and proof of the successful deposit? I have provided Xoom with the bank managers email account so they can contact the bank directly, but Xoom appears to refuse to take any further action.
Product: Debt collection

THIS COMPANY HAS CALLED ME ON A NUMBER OF TIMES AND I HAVE TOLD THEM THAT I AM NOT XXXX AND THE SSN THAT THEY HAVE IS NOT MINE*********** AND THAT THE LOAN IS NOT MINE. BUT THEY KEPT ON CALLING AFTER I TOLD THEM TIME AFTER TIME THAT I DID N'T TAKE OUT A STUDENT LOAN AND THAT IS NOT MY INFORMATION. THEY STILL WENT AHEAD AND FILE A GARNISHMENT TO MY WORK PLACE AND NOW ARE COLLECTING MONIES FROM ME EVEN THOUGH ALL OF THERE INFORMATION IS INCORRECT.
Product: Credit card or prepaid card

I reported to American Express Bluebird card services that XXXX had kept charging me erroneously for an Audible book club membership which I did not want, nor had requested but XXXX kept charging ANY card I had registered in my Prime account. After reporting this to XXXX, instead of assisting me, they cancelled my XXXX card, closed my account, and have since barred me from ever having another prepaid card with them! I do not think this is fair to me since I did not even realize XXXX was charging me for Audible until I reviewed my account with a financial planner and they asked me about the charges. I told XXXX the charges were never authorized and that I never requested an Audible account. I have called American Express twice on this matter, the last time today, when the account representative transferred me to an account recovery representative and she refused to let me speak to her supervisor, she just kept repeating over and over that a supervisor would not help me and the block will not be removed. She finally agreed to transfer me after I kept asking and asking but then all she transferred me to was hold music and no supervisor ever came to the phone. I was holding for over XXXX minutes when I finally hung up! I am shocked because American Express has never treated me with this kind of disrespect and would not even hear my side of the story. I am appalled!
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXXnder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

2 years ago I saw add on tv and called a number to buy a makeup spray machine that they advertised for {$29.00} plus mail cost of {$20.00} for a total price of {$49.00}. I paid with my debit card, after several days the product got to my home in an open box and the machine looked used. I tried to call customer service to let them know that their product was used product and had no manual on how to use it. but customer service of XXXX made me wait long time, never got a representative, I called several times, with the same result, and I got tired and stopped trying to call them. I left the machine in my house because I did not know what to do with it. I thought, I just did a bad buy and left it there. After 2 years I received a call from Monterrey saying that I owed {$620.00}. I never signed any paper saying that I will buy the machine for more money than the {$49.00} I already. Monterrey is damaging my credit seeking that way to press the consumer into paying with the threat of the credit report. There is thousands of bad reviews of this company because of this fraud that is doing to me and all those other people
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # 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.

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX  Account Number 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX XXXX Account Number # 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX Account #, XXXX XXXX Account Number 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account #, XXXX XXXX XXXX Account Number 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account #, XXXX XXXX XXXX Account Number 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. 

My legal rights have been violated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information that I believe is inaccurate on my credit report. I have reviewed my report from your agency, and I have identified the following information that is incorrect XXXX XXXX XXXX The date that is open is incorrect Im disputing this because the information is incorrect and need it removed immediately to purchase an home I have attached supporting documents to assist in the investigation Please conduct a thorough investigation and correct or remove the inaccurate information as soon as possible. Under the Fair Credit Reporting Act, I request that this dispute be resolved within 30 days and that I be informed of the outcome in writing If you need any further information from me to facilitate your investigation, please feel free to contact me. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Payday loan, title loan, personal loan, or advance loan

BMO bank is predatorily ( word? ) refusing to publish account statements on their website so it is exponentially difficult to keep track of information for tax purposes. I know this sounds crazy... a BANK that doesn't provide statements???? Yup. And if you call one of their agents on the phone they are instructed to refuse to send statements to customers. I am not sure what the benefit to BMO is in refusing information about loans to customers, however I am SURE it is predatory and is likely a psychological move allowing customers to pay online, but not be able to se the details of their loan. I requested information in the past, and I had to have the CFPB force BMO to send me the info. They did, so they can. Can someone at your office please follow up on this and explain to me the legality of not allowing customers to see information about their loan. ( P.S. some BMO customers CAN see their information, so it is not a company wide problem. It is targeted at certain loan types ) Please follow up with me.
Product: Credit card

In XX/XX/year>, I applied for the Chase Sapphire Preferred credit card with sign up offer bonus of XXXX miles with {$4000.00} spending requirement for the first XXXX  months. This card carries a {$95.00} annual fee. I waited over a month and the card still has not arrived in the mail. I called Chase and the customer service represented said it was marked as returned to sender. The representative said she resent it and since the card was well over a month late that she would waive the time limit for the sign up bonus. She said when I reached the {$4000.00} mark, just call and the bonus points will be added to my account. Months later after spending well over {$4000.00}, I called and the representative said there were no details mentioning this conversation in their notes and that they would escalate it. A XXXX  later I get a letter with no additional information that I didnt meet the sign up bonus requirement. I was told by the XXXX customer service representative that there was no time limit which is why {$4000.00} was not spent in first XXXX months. This sign up bonus was the reason I decided to go with Chase and then was promised new terms after not receiving the card originally then the company refuses to honor their new terms. The XXXX  month statement shows {$0.00} spending as I did not receive the card, it only shows the {$95.00} fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX  along with the three Credit Bureaus XXXX, Experian and XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Account never received my permission and is falsely reporting this Account on my credit report as a mortgage.
Product: Student loan

AES had my loan deferred when they were aware that I was no longer attending classes. In doing this they increased the amount of accrued interest substantially. My payments are now unbearably high due to interest charges accrued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to  10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 in ( MONTHS REPORTING LATE ) 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 procedures 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. 


( XXXX XXXX XXXX XXXX XXXX XXXX ) 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: Mortgage

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Product: Credit reporting or other personal consumer reports

PAID IN FULL FOR DELETION AS WELL AS REQUESTED-Mailed Certified XX/XX/year> Todays date Wednesday, XX/XX/XXXX No response. Please remove. 
The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically.

This information will help you recognize whether the debt is yours and, if not, how to dispute it.

This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt