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

My rights have been violated according to the law. Late payments are illegal. If my transactions are not on my consumer report how there be a late payment if the transactions are not included on my consumer report. 


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 1681 A ( 2 ) A1 states ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer
Product: Credit card or prepaid card

In XX/XX/2021 after several issues and complaints, I closed my advantage account with XXXX XXXX. I had affiliated XXXX which in XXXX decided to cancel my card since they would not have an account open if I didnt not have a loyalty account with american then they could not keep the card open. However, they did not close it before charging a {$450.00} annual fee. Annual fees are meant to cover the year of usage which I would. It be getting because they closed it. I reached out to them and they said they would be evaluating the request to have the fee stricken but could not provide anything via email, I would have to wait for an mailed letter. That never came. They continued to delay purposely to let more interest and fees accrues while I am waiting for them to remove that fee and any respective interest so XXXX can payoff and close the account. Their have disregarded my request and delayed providing any account information since online they have cut off and therefore I am unable to see a breakdown of anything the breakdown of ongoing charge citing they fact the info the account is closed. Their delay has resulted in excessive interest and damage to my credit report. I have called again and denied the request. I have tried everything but they refuse to make the corrections to close out the balance. Since the letter never came and they cut off access to account information online I do not have documents to attach. Only a balance they cite when I call their XXXX number with no backup for it.
Product: Credit reporting or other personal consumer reports

Hello accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX The 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs 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 reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

2017 I opened. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. After I paid the accounts off on time they were removed from my credit report.
Product: Credit reporting or other personal consumer reports

Experian violated my rights to privacy. 
According to the law containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The validity on the Bankruptcy on my TransUnion credit report is incorrect. This bureau is the only bureau reporting this bankruptcy and it does not belong to me. I submitted a dispute on XX/XX/2022, whereas TransUnion returned a verified by secondary furnishers. See attached. There fore they have violated my rights as consumer on this occasion and now again on XX/XX/2022. They have not supplied the verification from the furnisher. My data information with any furnisher that they used have been block and opt out, so I am not understanding how they received information and did not send me any verification documentation. According to 15 USC 1681c " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 1 ) cases under title 11 or under the Bankruptcy Act that from the date of entry of the order for relief or the duster of adjudication as the case may be antedated the report by more than 10 years. '' Also section 623 ( a ) ( 2 ) of the FCRA provided that a person sho ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer, and ( B ) has furnished to a consumer report agency of that determination and provide to the agency any corrections to the information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate. 

This Bureau have violated my rights as a consumer. Not only are they violating my rights as a consumer, but they are causing detrimental harm to my credit where it is keeping me from substring a living with the rest of credit worthiness consumers that have credit like mine. I pay all my debts on time and do not have any blemishes on my credit and this is not being taken of deliberately by TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

company involve is transunion reporting 3 account with error i have dispute for 2 month ago and they still reporting wrong information this account are the following XXXX account XXXX XXXX account XXXX XXXX account XXXX transunion did not enter notice of dispute this is a violation of section 623 of FCRA
Product: Debt collection

I continue to receive calls and another summons without receiving any information I asked for. Crown Asset Management LLC has not given any information I have asked tying me to alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nordstrom account was settled and paid in full in XXXX of 2020. Today I recieved a charge off on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in Bankruptcy from XX/XX/XXXX until XX/XX/XXXX. I have clear bankruptcy and been discharged but the bureaus show the report as being a new bankruptcy account instead of it being cleared and closed. This cost damage to my credit score and the all credit reporting agencies need to correct this issue immediately.
Product: Debt collection

I have had my identity stolen and now I have several collections items that I have no clue about.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act 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 with out my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I called for XXXX XXXX and connected to a fraudulent number ( XXXX ). The person impersonating an XXXX XXXX technician gave his name as XXXX XXXX and informed me that my account was flagged by people using my identity to purchase XXXX. He told me that he would work to secure my account and eliminate the " penalties '' I was accruing from these " transactions ''. He gave me another number ( XXXX ) from which he called and texted me to provide me with instructions. While this " repair '' work was happening he had me keep my phone off which unfortunately caused me to listen to him more readily because I, of course, needed my phone. I borrowed a Tracphone that I could use for communicating. 
He told me that a " secure '' XXXX account was set up under the name of XXXX XXXX ( XXXX ) which he would use to track the " hackers '' but any money I sent would be returned to me within XXXX hours of this being completed. I was given very specific amounts to transfer XX/XX/XXXX - {$1400.00} ; XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - {$1400.00} and {$2000.00} ; XX/XX/XXXX - {$1300.00}. At this point I told him that this was nonsense and to XXXX my money back. I asked for a supervisor and this person tried to intimidate me into giving them funds from my IRA, which I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for Suncoast Credit Union account # XXXX. To list the details of the account, it says there was a credit limit of {$1000.00}, date opened was XX/XX/XXXX and last status was XX/XX/XXXX. I have never opened a Suncoast Credit Union account and it's stating that I owe {$910.00} and that its Charged off. This is fraudulent, this is affecting my character, my livelihood and its against the law to report this to my report without my say so under 15 USC section 1681b- permissible purposes. I have already sent out certified letters to all 3 bureaus to support my case and will be monitoring this closely. I need this negative inaccurate information off my report immediately as its holding me back from doing things to further myself. Please remove this or I will pursue in litigation.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account. This account was opened without my permission.
Product: Debt collection

Well I got a email from scratch pay saying that it was paid and then something comes in the mail from you because they say that I owe scratch pay Money but I am not any of this I don't understand why they did this and I don't owe scratch pay anything because I didn't do this so can you please stop sending me stuff in the mail you don't have the right address in the first place
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with required documents. 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Prepaid card

I have a Citi Visa Debit card that I believe I received as part of a promotional offer. I no longer have the paperwork that came with the card. I had not used the card and it was misplaced during a move last year and the card expired XX/XX/2015. 

According to my research and based on information on the CFPB site : " The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. '' I have contacted Citi about replacing the card, which only has a balance of {$5.00}, and they are refusing to replace the card. At first they simply refused. Then when I pointed out that their website stated they would reissue expired cards, they responded that they could only reissue within 180 days of expiration. Then later, after I informed them of information I found on your site, they responded, " The Citi Prepaid card you received is a Promotional Prepaid Visa, and not a gift card making it exempt from legislation referencing gift cards. '' My card is not identified specifically as a " Promotional Prepaid Visa '' or as a " gift card. '' My card simply says it is a City Debit Visa. 

They have given multiple excuses as to why the card can not be reissued. I know it 's only {$5.00}, but it is the principle of the matter, that they issued the card and are finding any excuse they can not to honor it. I think this is poor business practice and speaks volumes about how they treat their consumers.
Product: Credit card or prepaid card

I applied for XXXX XXXX XXXX XXXX XXXX XX/XX/2023 online, providing all my information including name, social security number, address, years living in the current address, phone numbers- it was a very detailed form. Given all the details, I received a letter from Barclays asking for even more material - drivers license, SOCIAL SECURITY CARD, current utility bill or bank statement with my current name and address - and I was asked to MAIL these to their address, otherwise my application would not be considered further. 

I called Barclays asking for an alternative to mailing these information. 1 ) i was not comfortable mailing such info out 2 ) it's not environmental friendly 3 ) i don't want to pay for the mail 4 ) why is social security card even needed as i've already provided my number. I was provided no options. 

I asked why these extra information was needed - I have 8 years of credit history, my fico score is XXXX, i've been living in current address for XXXX years, my credit report would have supported all information i provided, it doesn't seem like enough efforts were made ( pull my report and check against my info ) before Barclays started asking for more- i was provided with no reasoning.
Product: Debt collection

MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

With date XX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX at the store # XXXX of the XXXX of XXXX FL. ( see Receipt # 1 ) On XX/XX/XXXX, I went at the store # XXXX of XXXX to transfer the Cell number XXXX and XXXX to XXXX, explaining to Sale Rep. that the line XXXX is not going away to use any more. 

The day XX/XX/XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) Then I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XX/XX/XXXX and made a payment of {$100.00} for this line that was not been used or had charged minutes since I transfer the other lines ( See Receipt # 3 ). Again I told the XXXX Representative that this line was not in use, he replied that is better is I will call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX cancelled the line ending on XXXX. 

After I made all this payments, I had been notified by XXXX  XXXX XXXX that I had reports on my credit for delinquent. I suppose this was the reason for the denial of credit lines that I was applied. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, until I received the last notification ( XX/XX/XXXX ) from the office of a lawyer Maury Cobb Attorney at Law LLC.  Asking me to pay a total of {$370.00}. 

I went several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior and with a good credit record that they are affecting. 

For this reason I demand that my credit wil be repaired by XXXX and leave this abuse and harassment. 

Thank you
Product: Checking or savings account

Issue 1. In an attempt to link my XXXX payroll to my PNC Businesses account authentication mechanism are preventing link from occurring Issue 2. I have to profiles at PNC Bank and only one cell phone. PNC Bank does not allow multiple profiles to be linked to one cell phone. This creates a security vulnerability and non compliance to FFIEC Guidelines on two factor authentication controls for end points because you can only do two factor for one account. thus the only work around is customer have to purchase two phone or use a softphone through XXXX which creates additional vulnerabilities. By not allowing the user to tie all profiles to one cell phone, a threat senior is as follows : attacker could add there attacking 's phone number ( softphone ) and the user would not know because they don't have alerting turned on the second profile. 

A solutions is PNC can allow one phone to be associated with multiple profiles
Product: Debt collection

I DON'T HAVE ANY PUBLIC RECORD ON MY CREDIT REPORT, PLEASE REMOVE IT ASAP, AND I'M BEGGING YOU, IT'S HITTING ME AN ANXIETY BECAUSE OF THIS MATTER, PLEASE TAKE AN ACTION.
Product: Checking or savings account

XX/XX/2010 my grandmother, XXXX XXXX passed away. I was told that all grandchildren are on her inheritance trust. After she passed away the trustee told me I was not on the trust. I requested the trust document several times. No one has produced the trust document or any information concerning the trust. I contacted the trustees bank and was given the run around as well as contradicting information. The trustee, XXXX XXXX XXXX would of had to forge my signature to reopen or distribute the money goods. I never was notified or signed any papers concerning the trust. I found out that XXXX passed by noticing antique furniture in a siblings townhouse. I was left out of a trust approxite value of XX/XX/2010, XXXX XXXX plus investments. Could you investigate the trustees bank and trust account? 5th and 3rd Bank is the trustees personal bank and possible active trust account. The beneficiaries and trustee refuse to answer any of my questions or request. Please help with this issue. I looking for an attorney, but have to reach out to attorneys in Illinois and it's hard to do this with confidence. My contact number is XXXX.
Product: Money transfer, virtual currency, or money service

My cash app card was canceled, after I complained about international money transfers that were coming out of my account going to XXXX. Certain accounts where blocked off of my Cash app account after I called Cash app, but I never heard anything else back. There were at least six companies from XXXX on my cash app account that had taken out money ... Cash app sent out Requests for my money to be given back but I never heard anything back from Cash app about these companies that I do not know nor have I received any money back... I'm still waiting to hear something
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my 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 the months that I was 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I tried to get a loan with my bank. A credit card with THD/CBNA showed up and says I am an authorized user. I do not know anything about this account. The Home Depot says they cant tell me whose account it is and they cant take me off the account. ( I have an account with Home Depot that has been paid perfectly. ). This account has been paid seriously late a couple times which has affected my credit. They owe {$1100.00} and the monthly payment is {$68.00}. The credit bureau couldnt help me and Home Depot wont help me. Please let me know what I should do. I am trying to buy a home and this is keeping me from getting a loan.