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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX that Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE TRIED REACHING OUT TO THE BUREAUS LETTING THEM KNOW ABOUT THESES INACCURATE FINDINGS. THEY CONTINUE TO VIOLATE THE FCRA AND THE FDCPA. PLEASE SEE THE ATTACHMENT THE CREDIT REPORT SHOWING THE PROOF OF DELETIONS. 
PLEASE NOTE THAT I'VE ALSO REQUESTED THESE UNAUTHORIZED INQUIRIES TO REMOVE FROM THIS FILE. PER FCRA FOR INQUIRIES THAT I DIDN'T AUTHORIZE, MEANING THAT ARE NOT TIED TO ANY OPEN ACCOUNT. 616. CIVIL LIABILITY FOR A WILLFUL NONCOMPLIANCE 15 U.S.C 1681n. 
In the case of liabilty of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited a dispute. 
I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692e ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter account name XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX # XXXX XXXX XXXX # XXXX
Product: Debt collection

On XX/XX/XXXX I received and email from the national credit system says that I owe them XXXX XXXX for replacing and take out trash from an apartment I had moved out in XX/XX/year>. They have yet showed or written documentation that shows this information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card XXXX with XXXX XXXX  was said to have been under a 2 month billing cycle extension in which the minimum payment was set to {$0.00} for the months of XXXX and XX/XX/2020. Additionally this account which already had a minute balance was paid completely as attached herein on XXXX XX/XX/2020 It is reflecting as 60 days past due on credit I have taken every reasonable remedy to rectify with XXXX XXXX  inclusive of 22 calls, 6 letters including 3 additional certified. Multiple correspondences to their executive relationships team even requesting legal and arbitration in accordance with the their terms of agreement and have yet to be provided such. 

They use what they classify as a confidential shared op to communicate in relation to customer accounts and advised while they did offer the same arrangements my account appears to have multiple inaccuracies and is confusing that is not my issue. They further state the employees were provided a coaching and training as my account was handled wrong though it is accurate. It is absolutely not accurate and this has caused me significant setbacks and become way more of a hassle for a {$200.00} balance than ever needed to be for either one of us. I was a customer for 8 years never 30 days late didnt start now Additionally you shared 4 different customers personal information with me when attempting to communicate and I had to advise your executives in your own office of such there was no apology no ownership no nothing but I kept those XXXX XXXX as well and will be sharing them online and in support of my own defense to show a routine pattern of oversights. This is so disappointing because prior to such time I had good experiences with XXXX XXXX. If a customer of 8 years can face such a messy situation I hate to know what other customers must be enduring
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LIVID!!!! This is my 4th attempt to correct my consumer report!!! 

These accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX These Addresses need to be removed : XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX , XXXX, PA XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX , XXXX, PA XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX , XXXX, PA XXXX I do not recognize these hard inquiries and they need to be removed also : XX/XX/XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX  The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

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 dont have no written permission 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 ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX  ) the information is, in fact, inaccurate.

The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Debt collection

PORTFOLIO RECOV Associates reported on my XXXX  Credit Report that a Credit Card Account was opened under my name in XXXX of 2019 which is false, they have not submitted any document ion to verify this debit or give the ability to dispute this account.
Product: Debt collection

ACCORDING TO FCRA SECTION 605B IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION PLEASE REMOVE AS THIS IS A FORM OF IDENITY THEFT. 

THE ARTICLE STATES THAT The Fair Credit Reporting Act ( FCRA ) Section 605B, often referred to as the " block '' provision, outlines requirements regarding the blocking of information resulting from identity theft. Specifically, it allows consumers to block the reporting of information that results from identity theft to consumer reporting agencies. This section mandates that upon receiving a request from a consumer, consumer reporting agencies must block the reporting of information that the consumer identifies as resulting from identity theft. Additionally, the FCRA requires consumer reporting agencies to promptly notify the furnisher of the blocked information about the consumer 's request. The furnisher must then investigate the blocked information and report the results back to the consumer reporting agency.
Product: Prepaid card

4 weeks ago ( XX/XX/XXXX ) I purchased 4 prepaid visa cards for {$500.00} each. The cards were successfully activated and when I called in was told there were no fraud blocks or any reason they should not work. However, none of the four cards worked as advertised ( " works anywhere visa is accepted '' ). They were each declined multiple times at normal stores such as grocery stores and XXXX and multiple calls were made and there was no resolution. 

After multiple attempts, I then requested a refund for all 4 cards. Each card was purchased for {$500.00}. So I requested a refund in the amount of {$2000.00}. The agents said the would send me a refund check for each card after I sent in copies of the front and rear of each card. I only received a check for {$500.00} on XXXX XX/XX/XXXX and further calls were fruitless as the agents could never figure out which card was on which of the four cases I was assigned. 

Apparenlty blackhawk in it's infinte wisdom decided to combine some cards into some cases and then mark others as duplicates and close them. It had been real simple : XXXX card for each case and XXXX cases total. Each card 's front and back was emailed to XXXX with the subject line the case number for that card. So there were XXXX emails sent with front and rear of each of the XXXX cards. 

My case numbers are : XXXX ) XXXX - XXXX XXXX ) XXXX - XXXX XXXX ) XXXX - XXXX XXXX ) XXXX - XXXX
Product: Mortgage

My home was damaged in a storm on XX/XX/XXXX. I could not live in it. Insurance did not pay until XX/XX/XXXX. I hired a contractor but he did not do a good job so he was fired before completion leaving almost {$15000.00} on the insurance payout. I asked mortgage company to send check to another contractor. They sent it in the name of the first contractor. During that time it went into foreclosure so I couldnt get the insurance. It sold on XX/XX/XXXX. When it sold I owed XXXX but it sold for XXXX. For some reason it was reduced after foreclosure and was told I owed XXXX and it sold for XXXX. I wouldnt sign the hold harmless because of the insurance. In XXXX it was transferred to RUSHMORE LOAN MANAGEMENT and they started trying to collect from me. I called and asked about the collection explained the foreclosure and asked about the insurance funds which were being held in restricted escrow. For two months no one could explain. Then I was told I would not get it it would be sent back to the insurance company. I received another request that I pay and called again. This time I was told I owed nothing and but they were putting a claim against the insurance funds and would not give me any information such as how much or why.
Product: Checking or savings account

Hi, I opened Savings Account # XXXX with Citi Bank on XX/XX/XXXX through the online channel. During the Account opening process I clearly identified myself as a Not Subject to Tax Withholding. 

On XX/XX/XXXX the account received the first credit of monthly interests. No taxes were withheld. Good so far. 

On XX/XX/XXXX the account was credited with its second credit of monthly interests. In this occasion Citibank withheld {$22.00} of Interests. This is incorrect. I am not subject to Withholding and I identified myself as such during the account opening process. 

I contacted CitiBank on their customer service line ( XXXX ) to ascertain the situation. A representative explained over the phone that I had not yet sent my W-9. However, the Tax Status Identification and Certification process I completed at the opening of the account should have sufficient for CitiBank to properly document and validate my withholding status. T The representative informed me that I could sent my W-9 by regular mail or by fax. I chose Fax, which is easier. I sent my first W-9 by fax ( XXXX ) on XX/XX/XXXX. I called in the next day to validate that it was received and processed. The representative informed me it could take up to 2 weeks to process. Just in case, I repeated the process and sent daily faxes on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. In total I sent my W-9 on 10 different occasions to the Fax number provided. 
I called in again on XX/XX/XXXX to validate that they had received and processed my W-9. They informed me that they had not received it. This was very frustrating. I validated and confirm that the fax provide was the correct number. 

Again, I kept send daily faxes on XX/XX/XXXX through XXXX. Four ( 4 ) additional faxes. I called again on Monday XX/XX/XXXX to validate the status of this process. They informed me that they only had records of having received my tax form on XX/XX/XXXX. And it would take 2 weeks for process.

This is unacceptable. Within 2 weeks the savings account will have received the third credit on interest and they will again incorrectly withhold taxes on these interests. I am writing this complaint to ask 2 things. First, make Citibank finally process my tax status and eliminate any withholding on my account. And second, make Citibank reimburse me for any taxes withheld so far. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX is showing that this account is 60 days late I have a document from XXXX on this account showing that this account is closed and paid as agreed with no late payments. 

The sent me a payment history showing positive payemts please have them remove this immediately because it is damaging my name and my credit. 

Thank you XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021, I wen to to Navy Federal Credit Union Branch Located and XXXX XXXX to do a XXXX XXXX XXXX transfer transaction to XXXX for an amount of {$1000.00} plus {$14.00} transfer fees making XXXX. The transaction did not go through, so had to do another transaction to help someone in a desperate need. Unfortunately, the first transaction went through the next day so I had to go and cancel it. The bank clerk told me I should check back within 5 business days. I went back after that, they now told me have to wait 4 to 12 weeks to get the money back from XXXX XXXX. I have patiently waited 12 weeks ( today is XXXX XX/XX/2021 ). The bank is still telling me stories. They are still in contact with XXXX XXXX to get my refund to me. I call XXXX XXXX myself, they told me to have Navy Federal Credit union contact them because the transaction is in the Bank 's name as a sender. it looks like the Bank is not serious with my money. I am getting confuse here about what to do.
Product: Credit reporting or other personal consumer reports

I request your assistance in resolving an issue with TransUnion Consumer Solutions. I am concerned about their failure to properly address my dispute regarding an unauthorized hard inquiry on my credit report. 

On XX/XX/XXXX2025, I discovered a hard credit inquiry listed on my TransUnion Consumer Solutions credit report that I did not authorize. This unauthorized inquiry has negatively impacted my credit score. 

I contacted TransUnion Consumer Solutions on XX/XX/XXXX, and again on XX/XX/XXXX, to dispute this unauthorized inquiry. Despite providing all necessary documentation, TransUnion Consumer Solutions failed to conduct a proper investigation and did not remove the inaccurate inquiry from my report.
Product: Credit reporting or other personal consumer reports

This account has fraudulently appeared on my credit report without any notices or proving to me this is mine. I have been in contact with XXXX XXXX XXXX  and advised them this is not an auto loan or a credit transaction, even filed complaint with XXXX and still no resolution. Let me clarify, this does not belong to me XXXX XXXX XXXX XXXX XXXXXXXX {$180.00}. I have even attempted to dispute with Equifax because this was never validated. I never received any information and this is still on my file. { By law, the consumer reporting agency shall efficiently provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller ). This was not done. I will seek legal counsel against Equifax if this is not rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account, has violated my rights. 

15 USC 1681 SECTION 602. A. states I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction 15 U.S. Code ( A ) subject to section 1681s3 of this title, any 15 U.S. Code 1681b - Permissible Purposes Of Consumer Reports 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies 15 U.S. Code 1681n - Civil Liability For Willful Noncompliance 15 USC 1692j. Furnishing certain deceptive forms
Product: Debt collection

XX/XX/XXXX I called w/closed case #, explaining that an overpayment was made to the law firm & was told there were multiple accounts still open with balances due. I called the court XX/XX/XXXX to verify case # etc had been closed/ paid in full ( never received XXXX information from firm ). I sent the office accountant/Mgt multiple emails = XXXX reply. Called again & spoke with another employee XX/XX/XXXX who verified multiple accounts unpaid w/my name & case #. He asked me to call his boss office account XXXX. Finally got her on the XXXX as she yelled, talked over me, she told me my over payment from case XXXX XXXX was applied XX/XX/XXXX to a different account that they hadnt sued me for yet. I asked her to send me that information she said talk to the lawyer, done arguing Only person arguing was her. This law firm has already sent me XXXX XXXX other payments for over charges on case # XXXX. Now they once again over charged ( w/same case # ) but refused to answer my calls/ emails/etc I have 100 %
Product: Checking or savings account

On XX/XX/year> I booked an XXXX  that was cancelled by XXXX. XXXX policy is that if I the consumer cancels the stay it will not be refunded. XXXX XXXX cancelled the stay therfore that policy does not apply to me. i contacted CHIME and they responded saying theyve seen no issue in airbnb not giving me a refund. i then contacted XXXX  and XXXX investigated and seen that THERE WAS AN ERROR. XXXX  XXXX  decided to refund my account but CHIME is still in the way. Now CHIME wants me to wait another 4 months to be finished with an investigation that they should've already done efficiently THE FIRST TIME. This complaint is about CHIME never giving me back my money whenever i am over charged or anything CHIME NEVER HELPS!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX - XXXX I saw a lot of pre approvals on credit karma at first I didnt pay it any attention but credit karma kept sending me all sorts of different pre approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car everyday I would see these offers every time I log in to see my credit scores so after a few months of being told I was pre approved I thought I was now in the perfect place to apply I got so many offers through credit karma  I started telling my whole family about vacations and investments we were going to use these pre approvals for. So I applied some time around XXXX and I got denied for 2 credit cards and a personal loan I was distraught I was very very angry and I felt deceived I was marketed to for months, credit karma told me I was approved this was a lie. I was severely stressed out I was XXXX for weeks I had XXXX so bad I became XXXX my XXXX  went from XXXX to XXXX now every time I see pre approvals i immediately close my phone and XXXX my computer off this make me so uneasy that I havent checked my credit as frequently as I should.
Product: Debt collection

Coastline and Associates called me on my work phone to tell me they are going to serve because I am being sue for a credit card I owe back in 2007. The guy was mean, rude and threatening to garnish 25 % of my pay. Their number is XXXX. I was upset that they were threatening to come to my work let alone call my work phone. I told the gentleman I have to look into it. He got upset saying I need to pay the amount now or they will start working on garnishing my wage. This is not legal by any means. So I hung up on him. He then proceed to call me 5 times from an unknown number. Please help me stop them from harassing me at work. This is not right.
Product: Debt collection

I have a debt collection on my credit report that is not mine. Never had a account
Product: Student loan

Great Lakes student loan company is refusing to acknowledge my enrollment in a new school - XXXX University, XXXX program. After one month of emails to them and my school sending them my enrollment information, they refuse to acknowledge my enrollment -- thus causing me to have to pay back my loans and new school fees causing financial hardship.
Product: Credit card

Paid only the minimum payment on XXXX XXXX and was charged interest fairly. 

Next month i paid the FULL balance that was due, before the due date, but was charged interest AGAIN. 

After calling Amex XXXX, they claim it's called Trailing Interest, meaning even though I paid the FULL balance showing due, there's still the interest amount from the previous month that needs to be paid SEPERATLY. and since that wasn't paid now, they are charging a new interest fee for it. 

Being a customer for 14 years, this is totally NEW to me. even if they claim this info is written on the statement.. The fact that it is not clarified on the website at the payment section is unacceptable and deceiving. 

i will never trust this company again.