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 : AFFIRM, has violated my rights.

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

Since the end if XX/XX/2022 I been trying to make corrections on my report regarding trade line if Comenity XXXX XXXX with XXXX, nothing has been fix and instead of conducting a " proper investigation '', they continued to on it, delete and.or do nothing regarding the information disputes. As of this date, I can not have a complete, accurate and verifiable trade line. I tried disputing on line, over the shine and last via cert mail. In addition, I have tried to obtain and dispute directly with Comenity, furnisher with no answer. It is a mystery and/or Comenity is not releasing the records of payments, charges and I am stuck with a trade line full of errors and incomplete because XXXX is not able to verify the information which was previously reported, once disputed, XXXX claimed that they contact the furnisher and it is accurate OR the information disputed is UNKNOWN. I am demanding accuracy completeness errors free in my consumer report. Please review the attachments, I made notes including dates, comments and circled the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep getting denied for credit cards
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for inaccurately reporting multiple collection entries related to a single debt from XXXX XXXX. The way both XXXX XXXX and XXXX have handled this situation is misleading and unfair. 
Details of the accounts : XXXX. Account Number : XXXX XXXX : {$210.00} XXXX. Account Number : XXXX XXXX : {$110.00} XXXX. Account Number : XXXX Balance : {$510.00} Complaint Details : XXXX. Unfair Billing and Reporting Practices : These debts should never have been sent to collections. I tried to resolve the issue with XXXX XXXX before it escalated, but they continued adding fees, to a point where I could no longer make the payment. 
XXXX. Multiple Collection Entries : XXXX  has reported three separate collection entries for what should be a single debt. This creates an inaccurate and unfair portrayal of my financial situation, which severely impacts my credit and future well being. 
XXXX. Unjust Impact on Young Adults : It is deeply unfair that XXXX XXXX and XXXX  would handle these accounts this way, particularly since it disproportionately affects young adults like myself. The impact of these actions on credit scores can last for 7 years, making recovery extremely difficult. This is particularly troubling given the current national crisis around student loan debt. 

*** Despite my willingness to pay in full, XXXX  refuses to remove the accounts from my credit report. This practice unfairly penalizes individuals who are trying to settle their debts. I request the CFPB investigate this matter and ensure these duplicate entries are corrected. Collection agencies should also be willing to delete accounts once they are paid in full.
Product: Bank account or service

I opened a checking account at Citibank based on a targeted offer for XXXX XXXX XXXX miles after certain criteria were met. As I understood from the personal banker, I made sure I had met those qualifications. Also, I was never given any paperwork stating specific qualifications for the promotion. I followed up and was told by a customer service representative that I had met the qualifications. Then I was contacted by the personal banker stating that I had not met one of the qualifications. I followed up with customer service to try and resolve the issue ( because the personal banker was not helpful ), but it was not resolved. I was mislead and the bank is not willing to resolve the problem.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues obtaining access to my Equifax credit file. I've had a credit montoring product with Equifax for many years without issue. In XXXX of 2019 after I downgraded my plan to a slightly lower cost plan the issues began. At that point I received an error message each time I tried to access and/or update my credit report. 

For a few weeks I was able to at least access my file and review my historical reports & scores then I was no longer able to access my credit file at all. With error messages like unable to verify identify ; no account found, etc. Anytime I have a credit alert or completion of a dispute investigation I'm also not able to access their online dispute site to check the status of my dispute as it give me the error message 'unable to verify identify '. This is quite disconcerting given my 20 year credit history and multi-year purchasing & access of my file via the Equifax credit products. 

I immediately began contacting Equifax and apprising of the issues. Each time they indicated they would escalated to technical support which would take 7-10 day for someone to reach me back. But that never happened. For the last 5 months I've called the credit bureau and have spent 30-40 hours via phone to try and get this resolved. Additionally, I've sent request via XXXX and each time they tell me they will investigate but nothing ever happens. 

Coincidentally, I just happened to try to log on in early XXXX and was able to purchase a new plan and access my file. This was successful for about 2 weeks, albeit sporadic, but since XX/XX/XXXX have not be able to access it and received similar error messages. As recent as XX/XX/XXXX I spent 6.5 hours on the phone with various customer service reps across various departments but to no avail. 

This issue is having a downstream impact to other agencies and companies inability to access my file as well.
Product: Credit reporting or other personal consumer reports

I'm " XXXX XXXX '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$550.00} XXXX  XXXX Balance : {$540.00} XXXX XXXX Balance : {$900.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 that are reported 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, XXXXXXXX XXXX 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: Debt collection

I was contacted by IQ-Data International collection agency I was told that they werent a standard collection agency and they didnt buy my debt but were contracted to collect. I was told they did not do payment arrangements but under certain circumstances they would allow a payment arrangement and this was entered into under the pretense that as long as I made those payments on time, it would not report. Ive consistently made payments since the agreement was entered into, I awoke on XXXX XXXX  with the debt on my credit. I then contacted the agency and basically was called a liar stating that couldnt have been said, I prompted them to listen to the recording from my interaction. Ive made at least 3 payments on this debt under the guise that it would not be reported now they have reported and are saying I would need to pay in full the remainder in order to get it removed. The representative was not honest or forthright and basically tricked me into the agreement knowing that it wouldnt prevent them from reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

People are having difficulty freezing their credit with transunion. They are currently pushing to purchase their own credit monitoring service before you freeze your credit.
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  XXXXXXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Credit card or prepaid card

On or aroundXX/XX/XXXX, I applied for a Best Buy Credit Card through Citibank for the purchase of some home appliances. The promotion for this card was a 12 month interest free period to payoff the balance of about $ 3k. During this time my sales agent from Best Buy was XXXX XXXX and we both had to call Citibank at the time of the application ( while in store ) and speak with a representative to obtain my SSN information to run the credit check and receive my approval - which I was ultimately approved.

My first bill from this company I was not assessed any interest. However my most recent bill for the XX/XX/XXXX billing period reflects an interest charge of {$73.00}, which from my understanding with the promotional rate should not have occurred within the 12 month period.

In this complaint I am attaching my initial sales purchase from XX/XX/XXXX and my most recent Citbank bill for this card. I also spoke with XXXX  from the institutions customer service department ( employee ID : XXXX - out of the XXXX ) and she stated that there was no " promotional rate '' showing on my account but it may likely be an oversight.

I believe this to be a UDAAP issue, as there was nothing I could have done to avoid this interest charge. Additionally, I am concerned of a broader impact to others who may have entered into this promotional agreement with Citibank, that may have been adversely impacted.
Product: Credit card or prepaid card

A few months back, I applied for and was approved for a small Ally credit card. Within a month, Ally updated their software, and from what I have been told by numerous reps on the phone, " screwed up a lot of accounts ''. Mine was one of them. 

As a result, I am unable to access my online account either through the app or desktop. 

Ally allowed serious fraud on my account while I am unable to see my account. I reported it initially and the individual on the phone never submitted a fraud report. The second woman I spoke to took the time and completed the first womans job and her own. She was wonderful and I can not thank her enough. 

Though unfortunately, numerous other calls have had to be made regarding the fact I can not still view my account. I keep being told my case is upgraded to tech support, who has never responded to me and never fixed the problem. It's been months on an account that was allowed to have fraud on it. 

Ally also kept withdrawing from my bank account, funds to cover the fraud each month. 

The last call, two nights ago, I was treated like a common criminal. The woman was extremely unhelpful, she was rude, she kept telling me she could not hear me and I should call back ( attempting to get off the phone with me ) and when I asked to speak with a manager, she informed me they were busy and would call me back later that night. No one ever did. 

I am extremely upset on how I have been treated and allowing fraud on my account while not allowing me to view my account to help rectify the damage that may have been done to my credit and most of all, my character as unjustly defined by credit and financial status.
Product: Checking or savings account

XXXX have 23 credit inquires never made and refuse to remove them after i disputed them and there are accounts they tried to take money out of my bank account
Product: Checking or savings account

We do not have an account with this bank We received emails asking us to verify info. 
We suspect the emails are scams Addresses on our emails ... 
HSBC Group <XXXX> HSBC Group <XXXX> Textin emails ... 
Dear Customer Your account has been suspended due to suspicious activities. 

We're letting you know that you have exceeded the maximum number of attempts to authenticate with your credentials. As a result, for your protection, we temporarily suspended your ability to access your account online and to receive codes. 


Verify your Access You have to reactivate your account within the next 24 Hours in order to continue using it. 

Thank you for choosing HSBC for your banking services.
Product: Mortgage

Informed both lenders of rXXXX XXXX XXXXssues and was ignored on multiple occasions. specially informed Midland in XX/XX/2020 and was called a liar. 

Repeated requests for release of escrow and all fee plus interest payable to borrower who has incurred these expenses out of pocket. 

originating and transferring lender failed due diligence and servicing requirements resulting in a debt obligation that is misrepresented and payment coupons not correct as well all tax end of year tax documents.
Product: Debt collection

Penn Credit Corporation keeps calling home phone number for someone named XXXX XXXX. They 've called numerous times and when I told them I do not know that person, they still continue to call. I 've asked this number be removed and a little over an hour later, they called back and when I again told them I do not know that person, and to remove my number, they hung up on me. They need to research their contact information and quit calling wrong numbers.
Product: Credit card or prepaid card

I receive my weekly PU assistance for {$200.00} via Bank of America Debit Card ending XXXX On XX/XX/XXXX My available fund coming from Unemployment was {$480.00} was stolen by suspicious activity or fraud as the Bank told me and the was all stolen. 

I requested investigation by Bank of America Fraud department XXXX XXXX XXXX on XX/XX/XXXX. 

The Bank did not investigate truly, who did accessed my account through the ATM of XXXX XXXX Bank in XXXX XXXX, NJ. 
I have never given my card or ATM password for any person. It is always in my wallet and the password in my memory. The Bank and myself are the only people who know the account Number and Pass word. 

The Bank investigation resulted by informing me that they have reviewed my case and complaint and decided to close the complaint without any justification for their decision. 

The Bank of America refused to refund me with the stolen {$480.00} and every time I call them they put me on hold for a very long time refusing to answer my questions about who took my money, on the opposite they blocked my card account and sent me another 2 debit card, which they blocked the second one and activated the third last one, but still they play gimmick and drama not to answer my question and they do not return my money. I need your help please to investigate them and get me my money I receive for being unemployed senior citizen with XXXX.
Product: Checking or savings account

i am writing to formally dispute and removal this hard inquiry on my credit report that is unauthorized. I have no business relationship, accounts, or authorized transactions with this company and the hard inquires is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 an account without my written instruction
s. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act The XXXX XXXX Account # XXXX and Account # 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : XXXX, XXXX, A EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX