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 XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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: Credit card or prepaid card

First and foremost, I am a single parent that has been unemployed due to COVID-19. I had a Lowe 's Advantage Credit Card the promotional balance on loan expired XX/XX/20. I was told that I had until XX/XX/20 to pay balance off to avoid interest charges. I did not receive a statement stating promotional balance about to expire. I received a notice on XX/XX/20 then the next statement was XX/XX/20. I was under the impression that billing was frozen due to me calling for assistance due to COVID-19. I find it to be convenient that I did not receive notice for XXXX or XXXX which would have gave me plenty of time to pay balance. I called to ask for promotional interest to be waived so I could pay balance in full and this issue has not been resolved. My bill was {$3100.00} prior to interest being applied. Now statement balance is {$5800.00}.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are reporting an alleged bankruptcy without the permission from the trustee of the estate of XXXX XXXX. Transunion, XXXX, and XXXX are data furnishers that sell information to various companies. This is prohibited by the estate of XXXX XXXX. The name property and any other interest are copyrighted and trademarked. You do not have permission from the estate to report any such information or misuse the estate name in this manor!
Product: Vehicle loan or lease

I'm not sure what year it was. But it has been over 7 years and my ex husband opened this auto loan with credit acceptance. The car lot he got the car from is no longer open. The car was totaled out and insurance paid it off but credit acceptance is still trying to charge me for it. I have called and called and begged them to take this off my credit but they still want me to pay something to do that. I refuse to pay for something for one I never had in my possession and two the insurance has paid off
Product: Credit card

I had a CitiBank platinum select card that had a yearly membership fee of {$95.00} XXXX. The terms of CitiBank states that the account can not be converted or closed until the full year has elapsed and after being charged the following year 's membership fee, you are then able to issue a conversion. After I have issued the conversion ; which was done two days after the fee processed, I was promised to have the full membership fee refunded after 60 days and after the conversion is fulfilled. After a period of 45 days, the account was then processed for a pro-rated refund. I called CitiBank and had spoken to XXXX and XXXX ( unique ID : XXXX ) of the Maryland office and they both provided me with false information stating that I would only receive a refund if I REQUESTED the conversion within XXXX / XXXX ( Differing answers between representatives ), which I did within two days. CitiBank has a conversion period of 45 days for any credit card and will promptly at this point, steal, a portion of the refund. With hundreds of thousands of credit card users, I believe that this is against the law, and that this bank is laundering funds. In essence, the process was as follows : Membership fee processed XXXX, Processed conversion XXXX and was informed of full refund within 60 days and that the conversion may take 2 weeks with a letter stating so, I have not received a letter nor the card I requested by XXXX I noticed a refund on my account processed XXXX. That is a span of 53 days that I was forced to wait and CitiBank processed a partial refund because I was " outside of the XXXX ( depending on the representative you speak to I assume ) period ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted dispute 3 times on Equifax website and still it have not been fixed. Almost 6 months and still it's hanging. All other credit reporting agency removed my wrong credit inquiry which was made by XXXX XXXX XXXX ( XXXX XXXX ) ( Wrong inquiry ran on XX/XX/2021 ). I have submitted all proof that wrongly pulled inquiry still it's not removed. Even XXXX XXXX  and XXXX XXXX provided all the proof still it's not removed. I am not getting this and if needed I will go at highest level to fight this. Enough patience now, I am losing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX  account # xxxxxx XXXX has violated my rights. 

15 USC 1681 section 602 ( A ), states I have a Right to Privacy 15 USC 1681 Section 604 ( B ) section ( 2 ), also states a consumer reporting agency can not furnish a consumer report without my written instructions.

I reserve all Rights to privacy and have not given written instructions to furnish the reporting of this account.
Product: Checking or savings account

Dispute is with Marcus, an online bank of Marcus Sachs.

Several months ago I had a CD mature. The money rolled into a Marcus savings account. When I tried to transfer the funds to my local WESTconsin branch I was told the transfer could not be made. Initially they wouldnt give me a reason. After calling numerous times over several weeks I was told my phone was not registered in my name. Instead the phone came up as registered to a DECEASED PERSON!?! Therefore they were unable to send a verification text to my phone.. ( Because it wasnt mine I suppose.. ) I provided everything they asked for : last 4 digits of SS, birthdate, and secret word. Nothing! I was left with providing the same information over and over and receiving nothing but phone script in reply. Finally a person on the second or third tier gave me the info about a deceased persons phone. He sent me a form to be notarized verifying my identity. The form was filled out and notarized and returned to Marcus. That was at least two weeks ago. Since then bupkus. Nothing, zilch, nada. Not a word of explanation. Please note this is not about a bounced check, or phony deposit. This is my money from a mature CD that they refuse to release. And really crummy customer service I might add. Nobody offering phone calls or any explanation or making any attempt at resolving the issue.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX my XXXX account was targeted by fraudsters. I reported a phishing attempt to XXXX immediately and explicitly instructed them to block access and prevent any changes to my account. Despite assurances that my account was secure, XXXX failed to act, allowing over XXXX unauthorized transactions within XXXX hours. These transactions included withdrawals, the addition of a new debit card and bank account, and even changes to XXXX Authenticationactions uncharacteristic of my accounts history. 

XXXX 's response was inadequate and misleading. Instead of freezing the account or addressing the issue promptly, they created XXXX different case numbers, adding unnecessary confusion and delaying resolution. Their internal controls failed to flag the highly unusual activity, even though credit card companies routinely detect and prevent similar fraudulent patterns. 

This series of failures resulted in significant financial losses and emotional distress. I have since filed reports with the XXXX XXXX XXXX XXXX, XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to escalate the matter. 

XXXX has a fiduciary duty to safeguard client accounts, but their negligence has caused me to suffer severe emotional distress, including XXXX  sleep disruptions, and frustration. Their lack of effective customer supportadvertised as XXXX compounded the issue, leaving me unable to resolve the situation when immediate action was critical. 

Robinhoods failure to protect my account highlights systemic issues in their policies and practices, which have been previously scrutinized by regulatory bodies like XXXX. Their negligence and misrepresentation have not only caused me financial harm but also violated their obligations to act in the best interest of their clients. 

I am disputing a total amount of {$20000.00} resulting from XXXX 's gross negligence and breach of fiduciary duty. 

I request that your agency investigate XXXX actions and ensure they are held accountable for their failures. Please let me know if additional information or documentation is required to assist in the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get my free annual credit report or dispute my credit report online.
Product: Debt collection

JEFFCAPSYS is claiming that I owe them {$9900.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Mortgage

To whom it may concern, XXXX XXXX XXXX, my mother, who was the original borrower on the loan, was diagnosed with XXXX that 's considerably worse. As a result, XXXX XXXX, my father, was placed as borrower on the loan. While my mother 's XXXX worsened, my father unexpectedly passed away. I, XXXX XXXX, have legal sole guardianship of XXXX and moved in XXXX for her XXXX. XXXX XXXX, my fianc ' lives with us and provides our financial support. I am asking for consideration of a repayment plan to keep my mother in the only place she has called home for the past 30 years. 
Thank you for your understanding and consideration. 
XXXX XXXX
Product: Debt collection

This company Ability Recovery Service keeps putting this collection from XXXX XXXX on my credit report. I have never attended this school and they still havent shown any proof of me attending. XXXX deleted this collection but XXXX and XXXX claim that the debt is valid. How are they validating this debt? They arent doing there jobs and allow false collections on credit reports. Ability Recovery Service is violating the FCRA by false reporting and not sending any notices about this collection.
Product: Prepaid card

I received a {$500.00} American Express Gift Card from employer. I could not use anywhere. After some research online. I was able to use at XXXX XXXX 3 times for {$50.00} each time. Then XXXX XXXX wouldn't take the card b anymore. So, I still have {$350.00} on Card that I can't use anywhere.
Product: Mortgage

I contacted AmeriSave Mortgage company on XX/XX/2020 and spoke with XXXX XXXX NMLS # XXXX and he told me to start the process I would need to pay a {$500.00} deposit that would go towards my loan, but was refundable if I didnt go through the appraisal process. I scheduled a call for an appraisal, but it was never set-up. So, I never went through the process. I was able to negotiate with my current mortgage company a lower rate and contacted XXXX XXXX on XX/XX/2020 to withdraw my application. He told me over the phone that it was withdrawn and when I asked about my {$500.00} deposit he told me that it was refundable since I didnt go through the appraisal process yet. I also sent him an email to confirm this as well. I called again on XX/XX/2020 to make sure my application was withdrawn and he confirmed that it was and that I would be refunded back my money. I continue to receive emails about this refinance application that I withdrew and have not been refunded back my {$500.00}. I spoken to several people and even left a voicemail for the supervisor of XXXX whose name is XXXX and have not received a response back. They are requesting additional documentation from me which Im not providing as I already asked that they withdraw my application and they refuse to do so. I even emailed their customer service department and left a voice message with no response back.
Product: Credit card

My husband, XXXX and I had a Citi VISA because that is the card XXXXostco is partnered with. When XXXX became XXXX, he could no longer shop at Costco, so we added our son XXXX to our membership to help with the shopping. Because only 2 people can be on an Executive membership, Costco cancelled XXXX 's membership when XXXX was added. As a result Citi VISA sent an email saying XXXX 's credit card would be cancelled. I called Citi at the end of XXXX to make sure Citi VISA would remain active and was assured it would stay active because it was a separate card number. They lied. I went food shopping using the Citi VISA and it was declined. I called customer service on Saturday, XX/XX/XXXX very irritated to ask them about this. They replied it was cancelled because XXXX 's card was cancelled AND that the Costco reward balance of {$100.00} would be forfeited because the card was cancelled. 

They wouldn't issue me another card, saying I should apply for a new one but the rewards would still be forfeited. Not only did they lie about my card staying active, cancelled it anyway and then arbitrarily took away my rewards. This is not the way to treat a long time customer that always paid their credit card bill.
Product: Mortgage

My name is XXXX XXXX. I applied for a home loan with XXXX XXXX ( XXXX ) Senior Loan Officer Sales Manager XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX O : XXXX XXXX # XXXX | XXXX XXXX XXXX  XXXX. She told me that we had underwriting approval so i put {$4000.00} into the contract to close on a house. come to find out we didn't have approval and she wrote an approval letter for my realtor. She also ran my credit 2 times without approval. She told us that we had approval for {$530000.00} turns out I could only get {$410000.00}. so how did an approval letter of {$430000.00} go out?????
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have filed the correct paperwork according to the FCRA and I have disputed the accounts with all three credit reporting agencies. The disputes are not being filed correctly with the paperwork I have submitted and I have not gotten copies of the verification process These are the accounts : XXXX XXXX XXXX Dept of Human CervicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Agreed to remove a debt that was caused by identity theft. 
Failed to investigate identity theft Agreed to remove item from credit report because they could not provide a copy of a contract with my signature. Item removed from report and the record will show from my previous complaint onXXXX XX/XX/2021. On the record XXXX agreed too remove the items and out of spite passed the item to XXXX law firm that filed a lawsuit in a state that I do not reside in. All 3 parties are conspiring on XXXX and XXXX  people to try and stiff arm them to pay a bill that does not belong to that person. All three parties should also be dealt with by the FTC. 

Besides the above issues the credit card debt in which they have filed against me is in a state that I do not reside in. I have not resided in that state in the past 7 years. The state in which I resides only allows three years to collect on a credit card debt from the time in which it was delinquent. The statue of limitation for my state that I reside is 3 years and that 3 years have passed by. 

XXXX, Dimand Law, and XXXX XXXX Consultant are running an deceptive STRONG ARM enterprise trying to strong arm XXXX and XXXX  people for credit cards that were a result of ID theft. All three parties need to be reported to the FTC immediately because all 3 are deceptive in nature. I clearly told XXXX at Dimand Law that I do not reside in the state of Illinois and gage pursued a lawsuit any way.
Product: Credit reporting or other personal consumer reports

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies XXXX XXXX  to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Attached are document to prove my identity, FULL NAME, ADDRESS, SOCIAL SECURITY, BIRTH CERTIFICATE. Under consumer law, I REQUEST MY SOCIAL SERCURITY NUMBER BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. Consumer law XXXX XXXX XXXX XXXX - Disclosures to consumers
Product: Credit card or prepaid card

'Amex advocate ' don't show me {$100.00} credit for a prior offer. Since this 'new offer ' attached, dated XX/XX/2018, " I didn't get the credit you promised ''. 

I received an offer from amex by email 'XX/XX/2018 '. This is what it said. Add new Additional Card Members to your account through this email and earn a {$25.00} statement credit after they spend {$250.00} in purchases on their Card in their first 3 months of Card Membership ( limit of four {$25.00} statement credits ). Offer ends XX/XX/2018. I did so and added 4 new members to my cc account, but I didn't receive the {$100.00} credit since this 'NEW ' offer attached.
Product: Credit card or prepaid card

Citi prepaid amount paid XXXX and XXXX XX/XX/XXXX Still not cleared although funds were withdrawn from my bank account XX/XX/XXXX Citi is still holding funds Another payment in amount XXXX made XXXX also cleared through bank never released Citi is still holding funds and not making them available It is completely illegal to hold funds for more then 5 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

These account I didn't apply for these are fraudulent account and i have no knowledge of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

So called Experian Boost program doesnt seem to exist for me. 1-800 number is nonexistent
Product: Debt collection

XXXX XXXX had me.a a rent restricted tenant during covid ... XXXX to XXXX.. I paid rent throughout the pandemic when i wasnt required to due to the moratorium and was a great tenant. I was then falsely accused after my first year for vandalism ... and was found innocent in eviction court. After this incident for the next 2 years I experienced retaliation from management being falsely accused of XXXX XXXX, receiving countless violations that i was not guilty of .. then taking me to court over late rent which was then paid in full by emergency rental assistance program .. the latency in my recertification in the program ... which allowed me 7 more months of assistance however, was what caused for the court hearing. They kept the 7 months rent and threw me out anyway. 
I will not be paying them a dime. In fact I am in the process of speaking with an attorney to take XXXX XXXX XXXX to court. Rent restricted tenants be warned how these crooked company 's frame you and use scare tactics to force you into eviction once the market changes and their quarterly tax reviews come up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I need a compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit reporting or other personal consumer reports

Delete hard inquiries : XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XXXX  XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX  XXXX  XX/XX/2024, XXXX XXXX  XX/XX/2024, XXXX XXXX  XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024, XXXX  XXXX  XX/XX/2024, XXXX XXXX  XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX XX/XX/2024, XXXX XXXX XX/XX/2024
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 - BALANCE {$710.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$310.00} Date Opened XX/XX/XXXX XXXX  # XXXX - BALANCE {$160.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX  - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - BALANCE {$430.00} Date XXXX XXXX  XXXX # XXXX - BALANCE - {$470.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE {$3100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX TX # XXXX Date Opened XX/XX/XXXX XXXX  # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE {$1000.00} Date Opened XX/XX/XXXX XXXX XXXXI # XXXX - BALANCE - {$4600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - XXXX {$2500.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE {$1300.00} Date Opened XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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  XX/XX/XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX 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.