23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I fell victim to a multilayered operation orchestrated by a sophisticated con-artist named XXXX from thXXXX delivery company XXXX XXXX  XXXX the Scammer ) and lost XXXX USD of my hard-earned funds. I advised Citibank of this fact on XX/XX/XXXX and I havent received any satisfactory response so far. I would like to say that I am a XXXX citizen vulnerable to scams, and the bank never took that into account. My true issue with the bank is their limited understanding of the kind of recall I was consistently requesting to raise. Whilst I am not denying the demand for the reason code, I have deliberately emphasised to the bank that my case falls under a different reason code. 
Despite providing the bank with the required explanations of my case, Citibank preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case. Citibank had a duty to exercise reasonable professionalism, care, pay due to regards to the interest of their customers and follow good industry practices ( GIP ) to keep customers accounts safe. This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at risk of financial harm. Since XX/XX/XXXX, I have been attempting to resolve this matter with Citibank, but they have failed to settle this matter satisfactorily. I have been dealing with Citibank in good faith and am deeply disappointed in how they have handled this matter thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up request to my previous attempt to clarify my credit report. The erroneous account that still lingers on my profile has not yet been validated. I have not yet received a notification regarding this matter. I am Including the aforementioned account : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach potentially exposed my credit information according to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act cXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ).

The following accounts show inaccuries Account Name : XXXX XXXX ( Account Number : XXXX ) Account Name : XXXX XXXX ( Account Number : XXXX ) Despite providing evidence that late payment entries on my credit report are inaccurate, the credit bureaus have not corrected or removed these items. On XX/XX/year>, I disputed the inaccuracies with both CRAs, providing supporting documentation, including bank statements and payment receipts. However, the CRAs failed to investigate the dispute properly, did not verify the accuracy of the information, and did not remove the erroneous late payments as required under 15 U.S.C. 1681i.

Under 15 U.S.C. 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of the information reported on my credit file. By failing to correct the false late payment information, they have violated this obligation, which has harmed my creditworthiness. I request that the CFPB intervene to ensure that the CRAs fulfill their duties under the FCRA, correct the inaccuracies, anc remove the disputed items from my credit report. I trust that the CFPB will take appropriate action to resolve this matter and protect my consumer rights. 
Thank you for your attention to this issue. 
Sincerely, XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

There are reports on my credit report that were not made or authorized by me. 
On XX/XX/2023 XXXX XXXX XXXX XXXX VA XXXX Contacted XXXX XXXX. Unknown person tried to open a XXXX XXXX On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX-One Main FinanciaXXXX XXXX XXXX XXXXXXXX XXXX IN XXXX
Product: Debt collection

I was contacted by a debt collection agency for a past due payday loan. We set up a payment plan which I have followed since XXXX 2015. On XXXX XXXX, 2015 a payment was deducted from my account. My account should be paid off ( debt settled ). I attempted to contact the agency by phone in which I got no response. The contact number I have always used was disconnected and other phone numbers for the agency were disconnected and/or only had a recorded message. It is as if the agency has disappeared.
Product: Money transfer, virtual currency, or money service

I want to file a complaint for deception, waste of time, and deceptive practices of Western Union. Today through the application I needed to send money to my niece who lives in XXXX to buy an air ticket. and after 2 hours of delays and problems, a Customer Service Agent finally authorized the transaction and tricked me by telling me that in 2 minutes he would send me the information in writing by email that the transaction had already been made. However, in just 1 minute they sent me the cancellation, that's how I made the XXXX phone call to tell me that they couldn't give me any explanation. Meanwhile my niece waiting and they did not solve anything for me.
Product: Debt collection

We have been receiving recorded calls from this number for the last several months : XXXX ( Municipal Services Bureau - recording directs listener to call XXXX ). The calls have been harassing and continuous at all times day and night - last night we received 5 calls between XXXX and XXXX. Internet search of the number indicated this was a collection agency serving municipalities for unpaid parking tickets, etc. We do not have any such debts. Return call to both numbers gets music - no people. We need help to block or stop these harassing calls. Thank you!
Product: Credit card

I had used my Macy 's credit card for a purchase in XXXX 2015, and paid half the bill before the due date in XXXX 2015, and paid off the bill in the entire amount posted online well before the due date in XXXX 2015. Now in XXXX 2015 I get another statement saying I owe {$2.00} more, now I know I paid everything in XXXX and before the due date, so I called to inquire about the {$2.00}, their story is that the {$2.00} is interest that failed to get tacked on to the XXXX bill, because it occurred after the billing date. What I do n't understand is how interest is being tacked onto a balance that was paid off before the interest is accumalated and how am I still responsible for it when they did n't add it to my bill, I paid the " current amount due '', not the billing amount due but the current amount due, so that should 've been the end of it. I know they 've done this before with my bills and I 've always paid my bills before the due date and always the current amount due, and still always end up with this {$2.00} interest fee after the fact, and stupidly never questioned it before and just paid it. I 've known others to have the same problem with this {$2.00} interest fee, and they 've since closed their cards because they do n't think it 's fair to be charged after the bill is paid. Yes it 's {$2.00}, but it adds up when you are paying it basically because you used your card. I have attached my XXXX 2015 and XXXX 2015 billing statements and you can see on the XXXX statement the {$2.00} fee is charged 3 days after I already paid off the balance, so basically the account was already at {$0.00} so I got charged interest on a {$0.00} balance.
Product: Student loan

I was trying to pay the rest of my Aidvantage student loan in full on XX/XX/XXXX with a payment of over {$10000.00}. The payment said it had been processed for several days and today it shows the payment was reversed with the date of XX/XX/XXXX. The money was never even taken from the bank account. I tried to call Aidvantage but it is impossible to get ahold of someone to talk to.
Product: Mortgage

I was let go from my job at XXXX, my job was moved to XXXX on XXXX/XXXX/XXXX. 

I looked for work in my field and i continue to do so but I coukldnt find anything with any salary close to that. 
I was making XXXX. 

I took a job as an XXXX XXXX, I am happy to be working but the pay is XXXX a year! 

So our income is down XXXX. 

I fell behind on my NATIONSTAR MORTGAE -it is a second mortgage at 10.75 % I have been paying XXXX a month since XXXX and ther balance is now XXXX on a XXXX loan! 

The company contacted me to say I ower all arrears noit just what I missed this year. 
I didnt know I was behind, They told me I was a year behind besides what I currently missed. 
I had been paying. I dont know where this extra year of being behind came from! I asked for a printout on my loan payment, they will not provide. 
I asked for a loan modification. I sent them documentation showing my hardship, they said I am not eligible. 
I tried to pay mothly payments in may - THEY SENT EVERY payment back and said, dont pay until you can catch up the full balance owed! 
I have this shown in my back - debit to Nationstar and they send it back! 
now i am father behind than XXXX and they will not work with me at all.
Product: Credit card or prepaid card

I am currently in a dispute with a merchant regarding their use of a contract that's in violation of 12 CFR Part 1005 ( Regulation E ) " compulsory use '' provision. I've provided the merchant notice pursuant to Consumer Financial Protection Bureau guidance on XX/XX/2021 XXXX XXXX. However, they have indicated that they will not comply unless I cancel the contract, which would would allow them to deducted the remaining alleged balance from my debit card account. Unable to convince them otherwise I then contacted my bank on XX/XX/2021 XXXX XXXX. I was assured that. " I've blocked XXXX on your debit card and here 's a quick disclosure : " on XX/XX/2021 XXXX XXXX by XXXX XXXX U.S. Bank Email Operations Department. On XX/XX/2021 I discovered a pending transaction from XXXX. I called customer service regarding this transaction on that same day and I was told that the assurance I was given would not be honored. I was told that there was a disclaimer in my electronic banking agreement. However I could not find it. I was also informed that the stop payment that I was assured of on XX/XX/2021 would not be effective until after my phone call of XX/XX/2021. I was then instructed to dispute the transaction. Also on XX/XX/2021 I was informed by XXXX XXXX U.S. Bank Email Operations Department that XXXX XXXX had changed the merchant ID they're using to charge your debit card which is why the stop I had in place didn't prevent this one from being received. I was instructed to use their form to dispute the charge. However, their form does not provide an option related to having been assured by their staff that there was a stop payment in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries from XXXX XXXX on my credit report that i did not authorize and i need it removed. one from date XX/XX/21 and XX/XX/2021.
Product: Credit card or prepaid card

I had XXXX credit cards with Bank of America. I had opened XXXX account in XXXX and I opened the other in XXXX. They closed both of my credit card accounts on XX/XX/XXXX and they sent out 2 letters shortly thereafter. They have written and stated that the reason was irregular authorized user activity. Any authorized users on my accounts were permitted by myself, the authorized user and Bank of America otherwise they would never have been added/approved. They also took my cash back rewards and told me that I forfeited those funds. Those funds were about {$140.00}. They even told me that this is part of their rewards program rules. This simply sounds like they are allowed to basically take the funds at any given time instead of forwarding those funds to the credit card holder. This in itself should be illegal as I could understand if I closed the accounts but I didn't, they did. I did not receive any phone calls or letters that there was any irregular authorized user activity on my accounts or any concerns with my accounts other than 1 call sometime this past summer asking if I had added an authorized user to my credit card. That was the only phone call that I received from Bank of America in XXXX from what I recall. I spoke to Bank of America and still have not been given a legitimate reason why my XXXX accounts were closed other than what I have stated and was told Bank of America can close out anyone 's account at any time for any reason and if we close out your account all funds in your cash back rewards account are thereby forfeited. This again does not seem right or fair in any way because if any bank decides they simply want to close out a person 's account and that person has cash back funds sitting in their account they would all lose their money. They even told me I could request to reopen both accounts knowing in advance that the request would be denied shortly after they run my credit because they already knew that the notes in their data base indicated that they revoked my credit cards. The letters did not mention anything of the sort and I requested for both cards to be reopened and it wasn't till after they re-ran my credit did they tell me the accounts are revoked. Again I do not feel this was warranted, I was never late, no true explanation for this and the closure of both cards had a negative impact on my credit report which why I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated that they verified the items on my consumer report. Which that information is inaccurate. These accounts are not verifiable, not validated and are inaccurate. If everything is not reporting 100 percent accurately then it must be removed. I need The CFPB to step In and find out what is going on. Also please refer to exhibit A. Per my consumer report with experian they also claimed to have verified a bankruptcy on my consumer report via the us Bankruptcy court eastern district of va. Well per exhibit A which is a letter directly from The courts proving that experian reported a false and inaccurate item. Per the bankruptcys court clerks office does not report any bankruptcy information to any credit bureau. Well That is proof of fraud and against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, XXXX and Equifax. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXXXXXX XXXX XXXX  ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Product: Money transfer, virtual currency, or money service

A man logged into my cash app and took XXXX XXXX  away from me cashapp said they couldnt refund because I didnt have enough evidence I filed a police report and everything
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with the 3 credit breuaes and I was no given a formal investigation or a response for the accounts I disputed! Transunion sent me a letter that had nothing to do with the disputes claiming it was someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 we accepted a 3 month deferred payment plan as a result of Hurricane Harvey. Prime Lending gave us the option of refinancing, accepting a partial payment plan, or repaying the amount due. We elected to repay the loan and we have verified multiple times with the mortgage company that our account is in good standing, we are paying as agreed, and our account is current. 

Despite this, Prime Lending has been adding derogatory remarks to our credit report since 2017 indicating that we are on a partial payment plan. This is preventing us from refinancing or getting other loans as we are essentially locked in with Prime-lending. To this day when we call they deny we are on a payment plan but continue to add these comments We sent a certified letter on XX/XX/XXXX asking them to remove the comments or show proof of acceptance of a payment plan agreement. Prime Lending received and then denied our request for resolution. We raised disputes with all three credit agencies which were again denied by Prime Lending. 

On XX/XX/XXXX we sent a certified letter again asking for a copy of the signed partial payments agreement. On XX/XX/XXXX a " Presidential Dispute Representative '' called us to ask some questions. Together we went through all of the payments made since 2017 and confirmed all of the payments had been made and our account was current. A Ms. XXXX XXXX informed us she would get back to us in 5-7 business days with a response. There has been no response and the number I had previously been given to contact her is no longer in service/ can not receive direct calls. We have been blocked from contacting Prime Lending. 

We are asking that all comments of " Partial Payment '' be removed from our account immediately and we will likely be seeking retribution for this unfair act by our mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f.Unfair practices 15 U.S. Code 1692h - Multiple debts ( a ) Notice of debt ; contents ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) d ( 5 ) a ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30- day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability ( d ) Legal pleadings ( e ) Notice provisions 15 U.S. Code 1692e.False or misleading representations the consumer never gave written consent to allow credit agency to report for her living natural person Consumer point where remove prior to reporting that she natural person the consumer was being violated en legis controller 15 U.S. Code 1692d - Harassment or abuse would like all omission = returned to the original creditor and commission charged to surety under trust indenture act 1939 1933 hrj 192 the trustee of the company shall release all encumbrances back to security holder 15 U.S. Code 1692c - Communication in connection with debt collection ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 16 CFR Part 433 1-3 PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES
Product: Student loan

I am XXXX and on SSI. I informed Navient of this and instead of offering me the Zero pmt option, they have given me a forebearance for years turning XXXX to now XXXX with over XXXX in interest. They just today notified me of the XXXX balance. I am currently trying to get a dismissal of the entireloans, but never did they teel me how much the forebearances would cost me!!! I am XXXX therefore have NO taxible income and I notified them of this 5 yrs ago, yet they continued to rack up interest making me own double now!!!!