23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Ref # XXXX, XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX and Account # XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX  Account # XXXX, XXXX  Account 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 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX : XXXX, XXXX  XXXX : XXXX, XXXX : XXXX XXXX XXXX : XXXX TransUnion, XXXX XXXX and XXXX has failed to provide any proof of verification of disputed accounts.

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. States a consumer reporting agency can not furnish an 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, and other adverse items 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, credit repair services, or other personal consumer reports

XXXX   2016  my credit was pulled   XXXX   by a rep for  XXXX   XXXX   XXXX  without my knowledge. The manager said they disclosed it to me but they did not. I do not understand why they lied to me and how they can get away with placing  XXXX  hard inquiries on my credit file. They also lied and said they offered me payment protection, but they did not. I do not understand why they will not tell the truth. Do you think I will waste all this time and go to this extent if they did their due diligence and I was informed of this? As soon as I found out I IMMEDIATELY requested them to stop sending me prescreen offers because I will not open any credit products with them for at least some years if ever again. It is the principle that I was not informed prior of  XXXX  hard inquiries which is a terrible business practice in itself. I do not understand why they pull my credit to open a savings which they require and then again in the same sitting for the vehicle loan which is why I came there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, XXXX has refused to help me with my problem with credit inquiries, I spoke to multiple agents and they refused to help me about inquires being taken off my report then added back, the list of hard inquiries are 1.XXXX XXXX from XX/XX/XXXX 2. XXXX XXXX from XX/XX/2021 3. XXXX XXXXXX/XX/2021 4. XXXX XXXX XXXX XX/XX/2021 5. XXXXXXXX XXXX  XX/XX/2021 6. XXXX XXXX XXXX XX/XX/2021
Product: Bank account or service

I was the subject of a Confession of Judgment entered in a XXXX court. I have no assets or other property XXXX. I reside XXXX and bank with XXXX XXXX Bank XXXX. The judgment creditor did not domesticate the judgment XXXX but merely served it on a XXXX XXXX Bank branch XXXX who froze my account. XXXX XXXX indicated that the National Banking Act does not require the judgment creditor to domesticate the judgment XXXX in order for them to freeze my account XXXX. I forwarded them information relating to the National Banking Act and how State Debt Collection laws are not preempted. XXXX XXXX ignored my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I unlocked my experian XX/XX/XXXX and I removed the fraud alert in XXXX of XXXX. I am trying to apply for credit cards, personal loan, auto loan, and a business loan. Im being denied because these creditors are saying the same thing, no credit score available or no credit report available! I want this issue fixed immediately or I am suing Experian. First, they sent out block messages to my creditors saying my new address was fraudulent, but didnt even verify if I moved or not. So result of that, I lost 4 credit cards!!! I am extremely irate! My credit score is XXXX but creditors cant see my score or my credit report! Why????!!!!!
Product: Vehicle loan or lease

Company has my name wrong and Ive never lived at address shown, also account shows closed but still showing on credit report
Product: Checking or savings account

My name is XXXX XXXX and I need my account unrestricted with XXXX I didnt do nothing to get it restricted I contacted my bank they told me its is on XXXX XXXX not the bank they couldnt help me to get it unrestricted please unrestricted for me my account email is XXXX and phone number is XXXX on my account I have call XXXX XXXX XXXX but they couldnt help me to please unblock my access and unrestricted I didnt do nothing to get it restricted etc.
Product: Checking or savings account

Ive been banking with Capital One for a year, holding both checking and savings accounts. I receive direct deposits from one employer every other Friday and from another twice a month, typically accessible up to a day before the scheduled pay date. However, this weeks paycheck hasnt been made available, and Capital One has failed to notify customers about a significant technical issue with a third-party vendor. Today is my payday, yet my direct deposit funds are still inaccessible. Reaching a Capital One representative has been impossible, and theyve shown a lack of transparency and security. Many people rely on their paychecks to get by, and this situation is unacceptable. Capital One has neither resolved the issue nor provided any assurance to its customers.
Product: Debt collection

I received a summons that I'm being sued by portfolio recovery for a debt. According to XXXX consumer access, this company is not licensed in my state ( TX ) to collect debt. I received multiple calls every day from this company ( early morning, during my work day, and at night ).
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( XXXX ) from my report, immediately : Account : # XXXX XXXX XXXX of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( XXXX ) from my report, immediately : Account : XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

This account was canceled on the following date : ( XXXX XXXX ). Since then, the account has been updated as canceled every month. This is an update in the payment history. A canceled account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You did not investigate this account properly, and your negligence has violated my rights. I demand the deletion of the following account : XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2017 Synchrony Bank reported a delinquency to XXXX for a valid debt of {$1100.00} with the account # ending in " XXXX ''. Years later when I attempt to negotiate a settlement XXXX XXXX XXXX, the collection agency they turned the debt over to. XXXX said that it was " XXXX '' accounts roughly for the same amount of money and I vehemently objected! Stating that I only rec 'd service from the dental company one time and one time only. I've asked Both XXXX XXXX XXXX to provide me valid proof of the XXXX account and name of the dental company here in XXXX Tx so I can go and prove this error yet they both refuse to do so! I finally got XXXX to delete both entries off my credit profile only to have XXXX turn right back around and put them both on my XXXX XXXX XXXX credit reports! I mailed a certified letter to XXXX requesting proof of XXXX " bogus '' account and name of the dental company that I rec 'd service from to no avail. In the meantime XXXX wants me to settle 50 % on both accounts w/o any proof or justification. I will send you all the documentation I have dealing with these two very unscrupulous companies! As they are directly stopping me from purchasing a home for my family, because I simply refuse to pay for the same account twice!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently, submitted a dispute to Transunion about the way XXXX XXXX is reporting on my credit report. On, XX/XX/XXXX, I received a response back from Transunion stating that JXXXX XXXX  has CERTIFIED AND VERIFIED the information to be " Accurately '' reporting. I'm confused as to how this account could be VERIFIED AND CERTIFIED TO BE ACCURATE when there are several errors in the way this is being reported : 1 ) Transunion reports that this account was closed " XX/XX/XXXX '' this is totally a contradiction to how it is being reported in the " Payment History/Rating ''. Payment History clearly shows that this account was open in XXXX and did not close until the latter of XXXX. Secondly, Transunion reports that the " High balance '' on this account is {$1400.00}. This totally confuses even the most expert because the credit limit is {$1500.00}. How could the Highest balance be lower then the credit limit? Next, Transunion fails report the Date of First Delinquency which is required because it helps to identify the purge date. This all leads me to believe that Transunion did not conduct a reasonable independent investigation. Using XXXX or parroting what a creditor says is not satisfactory for an independent investigation.
Product: Mortgage

Fifth Third Bank, is unfairly charging me late fees on mortgage payments that were received within the grace period. The grace period that is clearly stated on the attached statement, allows for payments to be counted on time if Received by the XXXX of each month. 
When I call Fifth Third Bank to report this error. I was told that payments are assessed on processing date, not on date of receipt! I was also told that there was no procedure for submitting proof of payment within their company. 
Please review the attached mortgage statement, payment history and proof of payments from my banks bill pay history. Please note that all my mortgage payments are one day electronic payments. There is no way my payments could be late!
Product: Checking or savings account

I have a CD with Capital One Bank, which had maturity date of XX/XX/year>. On XX/XX/year>, I renewed the CD for a term of 10 months at 5.30 % APY. Please see saved screenshots of each step of renewal process which confirmed the renewal. 

When I checked my CD details on XXXX XXXX, I noticed that my CD had been renewed for 10 months at 4.35 %, which is almost one percentage point less, please see attached screenshot # XXXX. 

On XXXX XXXX I talked with XXXX XXXX XXXX, Market Manager at the bank branch located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. After some investigation, I was informed that I was given a different lower rate, because I had renewed my CD a few days before maturity. 

I told XXXX XXXX that nowhere in my renewal confirmation is there a warning that my CD would be renewed at a different, lower rate than what was actually confirmed. He said he would investigate further but as of today I have not heard back from him. 

The confirmation screenshot # XXXX clearly states returns guaranteed and 10 Months ( XXXX ). 

Can you please investigate this issue with Capital One Bank. 

Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a repossession on the XXXX partial account number ****XXXX. ( Please see page 3 of the attached credit report. ) I voluntarily turned this car in at the dealership where it was then sold at auction. I was sent to collections for a larger amount then what was originally owed. It is illegal to take me to collections for an amount owed above what the original debt was. This incorrect reporting is harming my credit score and this item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX, XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Account for XXXX XXXX is reporting I paid late and I never paid late submitted request for investigation but was not investigated correctly and not reporting accurately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX
Product: Credit card or prepaid card

XX/XX/22 - chatted with Amex CSR through their chat function regarding offer of XXXX points to add authorized user ( husband to my account ) for annual fee of {$170.00}. She confirmed the offer and I signed up my husband. 
XX/XX/22 - {$170.00} annual fee was posted to my account No points to date. 

Separate issue : XX/XX/22 - saw offer in my online account to activate Pay Over Time feature for XXXX points and activated. Received email confirmation of activation. 

Numerous attempts to resolve the missing points issue with Amex via chat have been fruitless.
Product: Credit card or prepaid card

On XXXX, a fraud charge was placed in my card ending XXXX as amount {$4400.00}. At the same day, I noticed the charge and called customer service immediately to inform this is not made by me. The representative closed my account and sent me a new card ending XXXX and informed they will take care of the fraudulent charge. Later on, a temp credit was issued to my account. About 10 days later, they decided to close my dispute without telling me. And reversed my temp credit card. Once I found out, I called their security team immediately and asked why. They said they thought it was made by me and reopened the case for me. But no temp credits was issued. Fast forward, on XXXX, they told me this time the case was officially closed and it is indeed fraudulent charge. A credit will be issued to me. However I have not received any since then and I will be starting to paying interests for a confirmed fraudulent charge soon. I called customer service more than 5 times to inquiry the progress of credits and they keep telling me I should get it now. But the truth is I have NOT. 
I did my own investigation, seems like Citi is notorious for not returning fraudulent charge. Several posts in XXXX have complained about that as well. Some posters recommended me to file a complaint to get their attention.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX2024. 
XXXX2024. 
XX/XX/XXXX- XX/XX/scrub>/2024.
Product: Money transfer, virtual currency, or money service

The balance in my XXXX  account is XXXX, there is a pending authorization on hold from XXXX for XXXX, which was canceled and will fall off, a total of XXXX. I've attempted to add a bank account to withdraw funds, the app will not allow me to add an account, numerous calls were made to XXXX  support, reps do not know why account will not allow it. I've requested account closed prior and again here, I also need a check sent to me for remaining funds, XXXX
Product: Checking or savings account

My CD with Marcus by Goldman Sachs matured on XX/XX/XXXX. I requested the account be closed. On XX/XX/XXXX I received email verification that the account was closed. By XX/XX/XXXX I had not received any funds either by wire or by mail and contacted G/S I was placed on hold repeatedly and was told they would call me back rather then me wait on hold. I did not receive a call back. XX/XX/XXXX I called and was told by XXXXXXXX XXXX XXXX  ) it takes 3 days for the money to be wired. XX/XX/XXXX, No fund received by my bank and spoke to XXXX then XXXXXXXX XXXX XXXX XXXX who said the account to which the wire was to was to be sent was a business acct. That is not correct is it a personal savings account. The same account the funds were initially send to G/S. I was then transferred to XXXX and requested a check be mailed. That would take 1 to 10 days. XX/XX/XXXX I received an email from GS requesting I call them back. Spoke with XXXX XXXX XXXX XXXX and XXXX, who needed to send a PIN to verify I was who I said I was. A verification code was sent to me each time I asked for the funds to be transferred or mailed. XX/XX/XXXX I called and spoke with XXXX who said the check was sent out overnight. XXXX I called G/S and was told the check was sent USPS and the tracking number is XXXX. I entered the number in the USPS tracking website and this message appears - '' XXXX doesn't seem to be a USPS tracking number. Please check the number and carrier and try again. '' This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. XXXX  these accounts have violated my rights. 

15 USC 1681 Section 602 A, State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States A consumer reporting agency can not furnish a account without my written instruction. 

# XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECK MY CREDIT REPORT WEEKLY AND A FEW WEEKS AGO I NOTICED THERTE WAS A COLLECTION ON MY ACCOUNT FOR {$1200.00} FROM A XXXX XXXX XXXX ( XXXX ) I'VE NEVER EVER APPLIED FOR A LOAN WITH THE COMPANY I'VE ASKED EQUIFAX TO REMOVE THIS OFF MY CREDIT REPORT AND IT'S STILL ON THERE, I'VE CALLED THEM SEVERAL TIMES EVERY TIME I CALL THEY SAY CALL BACK IN 30 MINUTES BECAUSE THEIR SYSTEM IS DOWN. I LITERALLY CALLED THEM FOR A WEEK STRAIGHT AND EVERY DAY I GET THE SAME RESPONSE.