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. 
XXXX XXXX XXXX XXXX  XXXX {$120.00}, XXXX XXXX XXXX XXXX {$960.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX {$4500.00}, XXXX XXXX XXXX XXXX {$540.00} I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I did not know any better, I has a XXXX, but I still had income. 
First it was - I could not get any information about my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Paid then {$10000.00} Second - XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Paid them {$9500.00} They put a cease and desist on my account. I could not speak to the bank concerning my mortgage at all. The bank would only speak to anyone except an attorney. 

After the first fight I had with XXXX XXXX XXXX and I refused to pay anymore money to them I had to get help. 
XXXX XXXXXXXX XXXX XXXX and they all promised 100 % that I had all that was necessary for a loan modification or some type of workout because I had income. 
It never happened. my home was put in to foreclosure with a sale date. 
I finally got into my account and now I submitted documents to be considered for a modification. I get a pension and I have a job. I don't know what went on when I had no communication concerning my account, but I am asking that Carrington will allow me to get everything they need before they put another foreclosure sale date on my home. 
Thank You.
Product: Bank account or service

In XXXX 2016, I opened a new Citigold Checking Account with Citibank after receiving promotional materials for promotion code XXXX. This promotion awards XXXX XXXX XXXX XXXX miles to a consumer who opens a new Citigold Checking Account, spends {$1000.00} on their new debit card, and utilizes BillPay services in two consecutive months. I was excited to try the Citigold product, as I 've done my banking exclusively with another bank and wanted to experience a different product. After opening the account, I received a phone call from a Citi representative who needed to verify personal information. This representative acknowledged that the promotion XXXX was attached to my account. 

In XXXX 2016, having completed all of the promotions requirements for the XXXX XXXX miles, I sent a secured message to Citibank. I received a secured response from Citibank on XXXX XXXX ( see attachment ). In this response, the representative acknowledged that my account was registered fro promotion XXXX, confirmed that I had completed all of the spending and billpay requirements, and wrote that XXXX XXXX miles would be awarded to my account by XXXX/XXXX/2016, 90 days after the closing date of the XXXX cycle. 

On XXXX/XXXX/2016, I sent a secured message to Citibank inquiring about my XXXX miles and received a secured reply that same day. That reply stated the following : my account is being investigated, but may or may not be eligible for promotion XXXX, despite what the earlier message ( sent by the same representative now replying ) said. The response suggests that I may not have been targeted for this promotion. The terms and conditions of the promotion said nothing about needing to be targeted, though the promotional materials I received were directed specifically at Citi XXXX credit card owners. As an owner of this exact credit card, it was reasonable for me to believe that the offer targets me. Nothing in the terms and conditions speaks to the contrary, and both both verbal confirmation by a telephone agent and a secured message by a Citi representative confirmed that I was eligible and registered for the promotion, had met its conditions, and would receive the bonus. 

Lastly, the XXXX XXXX secured response from Citi said that they could offer no time frame for an estimated date of completion on the investigation. In the meanwhile, Citi is charging $ XXXX/month in account fees.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation everyone in is HJR 192. As all debts are prepaid, there is no valid claim for any further payment. Understand *no valid claim for any further payment* So for a third-party company to be trying to collect a debt is beyond breaking regulations & the LAW. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Product: Mortgage

PREVIOUS COMPLAINTS FILED WITH CFPB : XXXX XXXX SPS had consecutively delayed the file for one reason after another. I ask a member of management review the notes to see exactly what I mean based on call records as there have been too many occurrences to count. If needed I can compile dates and instances of unnecessary delays but I have already had to waste too much of my time as is. 

I need a manager to call me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was defrauded of {$230.00} through Cash App account XXXX XXXXXXXX in connection with what appeared to be a legitimate e-commerce transaction. 

The sequence of events demonstrates clear fraud : The merchant presented as a legitimate business with order system ( # XXXX ) and customer service interface, directing payment through Cash App after claiming their credit card system failed. Upon sending the {$230.00} payment, they immediately demanded an additional {$100.00} refundable insurance fee for shipping. When I requested a refund, the seller became aggressive and attempted to solicit more payments using different Cash App accounts. 

Cash App failed to provide adequate consumer protection by dismissing my fraud report without proper investigation, providing no meaningful response or follow-up to my complaint, taking no action against the fraudulent account despite evidence of scam behavior, and failing to implement safeguards against business transaction scams. 

The evidence shows this was not a legitimate peer-to-peer transfer but rather a calculated scheme using Cash App to circumvent normal payment protections. I request that Cash App refund the fraudulent charge and implement better fraud detection measures to protect consumers from similar scams disguised as business transactions.
Product: Vehicle loan or lease

In XXXX of XXXX  I purchased a car the motor blew up within a about 3 days of the purchase i returned it to CLAY COOLEY MOTOR CO XXXX XXXX XXXX XXXX XXXX, TX XXXX and chose not to purchase at all because I felt that they had wronged me in the sale of the car. They submitted this item to my credit report as a charge off, when it should have never been applied to my account. This charge off has cause hardship in not being able to purchase a new car and continues to create issues for me financially damaging the moral of my credit worthiness when I was initially wrong. In this case I would like to request that they remove this item from my credit report as this was not my purchase. And I am not to be held responsible for the car. So that I can move along. But I have not been able to do so because they have this item on my record as a repression while, I waited for a very long time for answers on getting the car repaired. this event ultimately caused stress and put me into an early XXXX, and I was not in any position to be able to dispute this item.
Product: Payday loan, title loan, or personal loan

In XX/XX/2021, I incurred a vet expense and applied for this credit card with Synchrony Care Credit. However, what I was not aware of was that they had applied a security card charge billing me monthly. Recently, I discovered that they had billed me for a total amount of {$1000.00} in security charge fees. I filed a complaint to them and they refunded me for {$810.00}. I requested for the remaining refund for the difference of {$240.00}. However, each time I spoke to an agent, they deferred me to a supervisor who would get back to me the next business day. I've contacted them for 4 times now and no one has reached out to me. Each time I call, there is no way I can get this resolved. 

I was told I was unable to retrieve the two billing statements reflective of the combined amount of {$240.00} since that has been more than a year. The amounts provided are based on what the representative informed me over the phone. 

case # /call ID # lookup XXXX
Product: Debt collection

I contacted National Recovery. Once connected to a representative, I explained that I had lost my arm in a freak accident in XXXX of XXXX. I filled for XXXX of XXXX of that year. Upon filing, I was approved for medical coverage through Ohio Medicaid, which covered 100 % is my medical bills. XXXX XXXX was amidst bankruptcy and transfer of ownership in the days of service. They failed to bill Medicaid. According to Medicaid policy, any balances for medical expenses are to be written of by the provider. XXXX violated this policy and demanded I pay for services that I never agreed to and were never properly billed to Medicaid. The bill was sent to collections at National recovery. The representative told me that it didn't matter that I had coverage. It was too late to bill Medicaid and I was responsible for the bill. It is unlawful to charge me any balances unpaid but Medicaid. It is not my fault they were not billed properly. I attached copies of my Medicaid cards in addition to details about the account in question. I also uploaded my MyCare Ohio medicaid + medicare dual coverage policy, which covers all medical bills incurred after my protected filing date in XX/XX/XXXX. This bill was XX/XX/XXXX, and I had full coverage for this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX XXXX Balance : {$200000.00}
Product: Payday loan, title loan, or personal loan

I submitted an application for a personal loan of {$25000.00} on XX/XX/2021. LendingClub requested several documents from me and after some back and forth all the nescessary documents were submitted. On XX/XX/XXXX they requested I print out and complete a 4506-T form with a wet signature. I then provided a scanned copy of this document to them by XX/XX/XXXX. At this point they then requested I E-sign a 4506-T form. As this was a bit confusing I called the LendingClub hotline, XXXX to confirm that they now needed an E-sign 4506-T. The rep looked at the account and told me there was a hold on it because the scanned copy of the 4506-T was marked as " not legible or cut off '' she reviewed it did not see why that hold was on the account as the document we legible and not cut off. She informed me that she approved the documents and to go ahead and E-sign the 4506-T, she said nothing else was required from me at this point. This was completed on XX/XX/XXXX. At this point in time there was no more communication from Lending Club for outstanding documents. On XX/XX/XXXX XXXX received the adverse action notice stating " You did not provide the documents we requested to finish reviewing your application. '' So on or about XX/XX/XXXX I called again into the hotline and spoke with someone who could not provide any more details beyond the notice so I asked for a manager. No manager was available so they said I would receive a call back. It is now XX/XX/XXXX and I had not received a call back so I called them again. After 30 minutes on hold with an agent waiting to speak to their manager and credit department I was told I was being transferred and if the call dropped they would call me back on my number. Of course the call was dropped during the transfer and I have not received any call back.
Product: Mortgage

My father passed away in XX/XX/XXXX. He was living in a condo with my brother as joint tenant. While my father was alive, I had power of attorney. When my father passed, he left no estate other than the condo, which passed to my brother without having to go to probate. I was named personal representative of my father 's estate, but since there were no other assets, there was nothing to probate. My father 's condo was financed with Quicken Loans. My brother is currently living in the condo and is making the mortgage payments. The problem is, he has fallen behind in his payments and now Quicken keeps calling me. I have explained to Quicken MANY MANY MANY times that they need to speak with my brother. I have provided them with my brother 's telephone number and he has confirmed that he has spoken with them on several occasions and is trying to work something out. Quicken called me again on Friday, XX/XX/XXXX, and told me that they would put me on their do not call list. Today, Monday, XX/XX/XXXX, they called me again. I do n't know how to stop them, other than changing my number. Can you stop them? Can I be compensated for harrassment?
Product: Credit card

On or around XXXX XXXX, XXXX, I was contacted by Nelson Cruz and Associates regarding an outstanding debt that they said I owed from XXXX XXXX of XXXX. They wanted to settle the original debt of {$570.00} debt with a {$300.00} payment. The information they gave to support this loan was correct, but not the information I would have used. References were all family members including my minor children, which I would never have used as a reference. This loan was applied for under my nickname and not my legal name. Which makes it very suspect. Also the documentation had my nickname, working for my legal name. This was all read to me over the phone and I have never received any formal documentation or proof of legitimacy of this loan in the mail. No documents with my legal signature have been provided to me. 
In my research, they gave me an account number they said was from XXXX, who was supposed to have issued the credit card. When I contacted XXXX, they could not find any record that I had a credit card or a loan with them. XXXX said the XXXX number had never been used by them. Talking with the security department XXXX XXXX, they said this sounded like a Scam and not to pay them. I also contacted XXXX XXXX who purchased some of XXXX debt, and they had no record of an outstanding balance or anything that had been charged off on me. I also tried to look up the XXXX number on this account and it shows that it has never been issued. XXXX said they had never used this XXXX number either. 
In seven years this has never showed up on any of my credit reports. I have never received a statement, never got a demand letter. In talking with XXXX security and collection department, their policy is ; 90 days they send out a demand letter and in 120 days a demand letter with a request with a return receipt. I have not received any of this. These people have not sent us any proof or documentation that I applied for this credit card or proof of any demand letters being sent to me. And there has n't been any attempt to collect this over the past eight years until now. It all does not make sense to me. XXXX XXXX XXXX had recommended I not pay them anything and to block their phone numbers. The FBI agreed and for me to get in touch with you along with the postal inspector and the FTC. The new name they called me under today XXXX XXXX was with ; XXXX XXXX and Attorney XXXX XXXX.
Product: Debt collection

My mother received several suspicious calls from someone from " XXXX '' regarding a case and requested my mother call " XXXX ''. After several calls to my mother, I finally called the number and was told the company was XXXX XXXX XXXX. My mother apparently had closed a Wellsfargo account in XX/XX/XXXX/XX/XX/XXXXwith a negative balance, and they were collecting debt which was around {$1300.00}. They said they were trying to serve her with papers and was going to take her to civil court unless we would settle. They gave two options, one time payment of {$530.00} or installation payments. We chose the former. I paid my mom 's balance using my credit card, and was directed to make an electronic signature.  They then emailed me a form releasing liability from the debt and that it was paid in full ... The address on their letterhead is not a valid address of a debt collection agency. They are also linked to another company XXXX XXXX, whose address is linked to a company that sells LUMBER! Nothing to do with debt collection.

I felt it was suspicious and pulled my moms credit report, and there was nothing about debt owed to Wellsfargo. I called Wellsfargo and was also told there was no outstanding balance and that the call was a scam. I attempted to call my credit card company but was told they could not stop the pending payment.

This is a sophisticated scamming company that tries to con you of money under the guise of debt collection, and even go so far as to get your signature to authorize payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents regarding this issue with bank of america
Product: Money transfer, virtual currency, or money service

I received an email from someone impersonating my boss at work on XX/XX/2020 and the email was sent to my work email. He requested my help with sending money to a vendor via XXXX XXXX and stated that I would be reimbursed afterwards. His email had the name of my boss and he had a photo of my boss in the email. I have email correspondence that I can provide to prove that this was a phishing attempt as well as impersonation. I believe there were multiple people involved as I was requested to send money to two different people. I filed a dispute to my bank ( Chase ) but was denied as I " authorized '' the money even though it was under false pretense. I emailed XXXX and they denied my request as they are unable to refund " completed '' transactions. I sent someone named XXXX XXXX {$1700.00}. I was able to track down her social media as her phone number ( listed on XXXX ) was linked to those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act USDOEXXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX XXXX XXXX OR CHILD SUP XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX  has failed to provide results of my investigation on the following items : 1. XXXX - I asked them to send me the signed contract for this debt. I disputed this debt with the XXXX, and they could not provide me with any document that showed I actually created this account. They even dropped a court case against me when they realized that they could not prove this account was actually opened by me. I started disputing this account back in XX/XX/XXXX, but Transunion and XXXX  said they verified the debt. How is this possible when the original creditor could not verify the debt. My last letter in XX/XX/XXXX yielded no response from Transunion and XXXX  to this issue. 
2. XXXX XXXX XXXX - I asked them to send me the signed contract for this debt. I disputed this debt with the XXXX, and they could not provide me with any document that showed I actually created this account. 
3. Unverified Inquiries - I asked them to verify this inquiries were created by me by asking the creditor for my signed application. None of these creditors could provide me with a signed application. Yet, Transunion says they verified these inquiries. 
I did not create these inquiries : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX - XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX According to the Fair Debt Collection Practices Act, Transunion has broken the following statues : 1. Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I never received the following from XXXX, yet Transunion is reporting them on my credit. 

2. Failing to follow debt dispute procedures 3. Failing to conduct a reasonable investigation my dispute 4. Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.