23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 it also states that the consumer reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666 b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
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 Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : 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 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: Checking or savings account

This is a a case where I was scammed by individuals who used my banks phone number to contact me and had access to my Citibank account. The scammers called me on XX/XX/XXXX and informed me my card was being used to perform transactions at The Office Depot. I logged onto my Citibank mobile app and saw the charge posted to my checking account. They then went through a series of my past transaction and informed me someone was trying to XXXX money to an account I was not familiar with and I received a XXXX notification of this charge. In order to protect my account I was told to XXXX their case managers and this would cancel the fraudulent transactions being made on my account. To protect my account I did the XXXX transactions to who I believe were Citibank fraud case workers for 2 amounts of {$4800.00}, {$2600.00} and {$2300.00}. After the XXXX transactions the scammers ordered me a new citi priority card and told me to call them when I received it. 

Im about 2 weeks I received the card and went into the Citibank branch at XXXX XXXX New York where I activated my new card and inquired about the money I had sent. This is when I realized I had been scammed. 

I opened up dispute cases with Citibank for the charges and have been working with the Citibank fraud department who has so far approved the transactions of {$2600.00} and {$2300.00} but will not approve the 2 remaining transactions of {$4800.00}, under case numbers XXXX and XXXX. I have called repeatedly spanning over 1 and a half months to inquire about the case status ; and have sent documents to help with their decision making to award me the funds back to my account as the other 2 charges. The 2 above transactions are identical to the 2 which were already approved so I dont understand why they will not reward the remaining balances.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from American Express ( AMEX Bonvoy ) with a partner offerIf I signed up for an annual membership with Clear they would credit me back the {$170.00} annual fee if I used my Bonvoy card. 

I opened up the annual membership on XX/XX/XXXX and then sat back and waited for AMEX to credit me back the {$170.00}, but after five weeks and an entire billing cycle had lapsed, I contacted them on XX/XX/XXXX. 

I opened a ticket and explained I followed the steps in the email but they closed the ticket and never sent me a notification of the cancellation. 

I called again today and after speaking with the department that handles " unfulfilled offers '' they told me that because I did not " add the offer to my card through my online account '' they could not credit me back the {$170.00}. I escalated it to a supervisor and told him the large type in the middle of the email said nothing about adding the offer to my card first, but he rebutted with " well, it's in the small print terms and conditions '' at the bottom of the email so those are the terms they stand by. 

Bottom line I have no recourse through that department. I called back to the regular customer service and demanded they give me a service credit for the inconvenience, and, shockingly, even after being escalated again, they did not grant that as well. 

I've been a member of AMEX since XXXX and have had 3-4 cards with them. Shame on them.
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, 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. 


XXXX  XXXX XXXX XXXX Last reported XXXX XXXX, XXXX  {$310.00} Open balance XXXX XXXX  XXXX Original creditor XXXX XXXX Last reported XXXX XXXX, XXXX  {$250.00} Open balance XXXX XXXX XXXX Original creditor
Product: Checking or savings account

Truist bank held my insurance check for seven days after I made the deposit into my account. The date of the deposit was XX/XX/XXXX. The contractor ( XXXX XXXX XXXX ) has been waiting for the payment since XXXX XXXXTruist bank cashed my deposit check and place the funds in the hands of the branch manager ( XXXX XXXX ) she signed the check and cashed it, then sent the monies back to the blanket company ( XXXX  ) to reissue the check. The payment is not found.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, IT has now been over 30 days. And I have not heard from you. 

This is a second notice please see ( Disputed on XXXX XXXX ) The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX The following Inquiries were not made or authorized by me. Please remove from my credit account. Thank you. 

XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX  XXXX XX/XX/201XXXX XXXX
Product: Debt collection

In prior responses to the Consumer Financial Protection Bureau, XXXX at the business has claimed that the proof of the alleged debt was mailed to me. The individual has my email address based on an email sent to XXXX on XX/XX/2020. Therefore, you can email the billing for the {$75.00} alleged debt that was paid in full. Be advised, that on XX/XX/2020, I received an unsealed plain white envelope with a one page statement claiming a {$75.00} balance. Furthermore, the only receipt of payment received was an emailed receipt dated XX/XX/2020. 

I will await your email with the proof of the alleged debt that was paid in full prior to being provided with written proof the alleged debt.
Product: Credit card or prepaid card

I applied for a credit card with Barclays and the customer service rep ( XXXX ) asked me what was my race. Also asked me how far do I live from Washington DC! Came back to the phone and denied my credit card. I asked the rep to tell me why my application for credit was denied, and I was told I have negative items on my credit file which is definitely not true and can easily be proven. When I asked him which bureau pulled my report,, He told me XXXX which was another lie. I have proof that my report was pulled from XXXX! The rep couldnt give me one name of any account that was delinquent or any type of derogatory info.. As a consumer I have a right to not be discriminated against because of my race nor should I be asked as a deciding factor what my race is. I also have the entire conversation recorded where this representative [ XXXX ) asked me what is my race before making a decision to deny me credit. Before I do my reviews online, release this recording on XXXX, file a complaint with the attorney generals office and contact media XXXX on your side,,, I wanted to officially file a complaint today.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have attach my proof of ID and address.
Product: Credit reporting or other personal consumer reports

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : XXXX XXXX XXXX XXXX
Product: Debt collection

Calling everyday and hanging up when I answer. They do not leave a message when I don't answer. I have never been harassed like this before.
Product: Debt collection

I'm disputing these fraudulent accounts again, and it's infuriating that your bureau hasn't removed them despite the creditors agreeing to do so. Comply with the law, get these accounts off my credit report ASAP, or I'll take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Dispute Department, I am writing to dispute a collection account on my credit report which is being reported by XXXX XXXX XXXX. The account in question has negatively impacted my credit score and financial wellbeing, and I believe it should be removed from my credit report. 

I have reviewed my credit report and found that XXXX XXXX XXXX has reported a debt that is not valid or accurate. I have no knowledge or record of this debt and I believe that it has been reported in error. Furthermore, I have not received any notice or correspondence from XXXX XXXX XXXX regarding this alleged debt. 

As an informed consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and I request that TransUnion conduct an investigation into this matter. Specifically, I request that TransUnion contact XXXX XXXX XXXX and request verification of this debt, including documentation that supports the accuracy of the information being reported. 

Please note that as a consumer, I am entitled to see the source of the information that is being reported on my credit report. This includes the original contract that contains my signature. I request that this documentation be provided as part of the verification process. 

I also want to emphasize that a breakdown of charges is not considered verification of debt. I request that XXXX XXXX XXXX provide proper validation of this debt, which includes a complete chain of title for the debt and proof that they are legally entitled to collect on it. 

According to the FCRA, 611 ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must conduct a reasonable investigation within 30 days and review all relevant information provided by the consumer. If the information can not be verified or is found to be inaccurate, the credit reporting agency must promptly delete or modify the information.

Furthermore, according to FCRA 609 ( a ) ( 1 ), a consumer has the right to request and obtain all information about them that is being reported by a credit reporting agency. This includes the right to request the original contract and a complete chain of title for any debt that is being reported. 

Finally, I request that TransUnion delete this collection account from my credit report if XXXX XXXX XXXX is unable to provide verification of the debt within the 30-day period required by the FCRA. It is my belief that this account has been reported in error, and I respectfully request that TransUnion take immediate action to correct this error. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Wells Fargo Bank - XXXX XXXX XXXX XXXX, XXXX PA. XXXX. US Beginning on the XXXX XX/XX/2019, a series of payments was instructed from my Wells Fargo bank account, in the total amount USD XXXX to scam XXXX XXXX / XXXX  / XXXX XXXX   XXXX XXXX. 
They prevented from me withdrawing my funds when I demanded such. They did not invest my money, but just stole it. I submitted a recall dispute to Wells Fargo Bank on XXXX XX/XX/2019. The transaction that made through XXXX XXXX have been made without my consent. The fraudster XXXX bought Digital Currency through XXXX XXXX purportedly on my behalf using my computer via XXXX XXXX   ( a Remote-Control App ). As they are professional con-artists they managed the whole scenario deliberately with no intention of actually investing my money but to stole it. They used my email address for registration and my online banking. So as the accounts on XXXX XXXX were opened without my awareness. 
Wells Fargo gave his final response on XXXX XX/XX/2019 and declined my request on grounds that The signature on file for your account appears to match the signature on the item ( s ). We are not able to verify that fraud occurred. 
When I authorized the payments by my account, I did not know that the merchants are scams, I discovered it later on. In my dispute, I asked Wells Fargo to take the responsibility and asked for a refund, because no services or investments were supplied to me by the scam merchants. Wells Fargo gave his final response on XXXX XX/XX/2019 and declined my request on grounds that The signature on file for your account appears to match the signature on the item ( s ). We are not able to verify that fraud occurred. 
Yes, XXXX made me sign some documents and statements to make it all look legit, however, the fail applying their own terms and conditions which they created by themselves. 
XXXX were giving me a fake platform, fake details, and by not applying their own terms and conditions I find it fake to. Therefore, I can only surmise that the documents and statements I signed were also fake, and can not hold or be any evidence of my claim. It is like I would sign I'm authorizing to steal from me, stealing it's illegal and even if I signed a fake paper, doesn't make it right. 
As of now I am aware that this kind of " investments '' called XXXX XXXX, XXXX XXXX trading is illegal in the US, yet Wells Fargo permitted the instruction of these payments. 
What is egregious is that I have since found out that there were numerous warnings issued by few regulators, warning the banking community against allowing the instruction of payments to these particular merchants : XXXX How is it that Wells Fargo approved the transactions in the first place and didn't protect me, as their customer? 
Would Wells Fargo Bank approve a payment to money laundering XXXX ( terror organization ), if they established a website branded as an investment service? XXXX is either an illegal scam, or an investment service. It can not be both.
Product: Credit reporting or other personal consumer reports

Capital one stated here and on the better business bureau that the hard inquiry into my credit file was an error on their end and that the removal of that inquiry would be taken. However two years on the inquiry is still presented on my credit report as a hard inquiry. 
Please see attachment. 
Advise
Product: Credit card

My wife and I have had a credit card account with Bank of America for a number of years. Every month we pay the balance in full, and on time. 
This credit card account accumulates cash rewards. If the cash reward is redeemed and applied to a Bank of America account, there is a 25 % bonus added to the redeemed amount. 
On or about XXXX XXXX, 2015 I signed into the account online to redeem the cash rewards, which at that time was {$610.00}. My intent was to apply it to a Bank of America account, qualifying us for the 25 % bonus, for a total of {$760.00}. 
The online system would not allow me to do the redemption. 
I later learned that Bank of America had closed our account that day. They would not give us the reason for closing the account, but I assure you that Bank of America can not say that we had done anything wrong to warrant the closure of the account. 
I called the bank four times since, and they have refused to give us the rewards that we earned by using their credit card. They say that because the account is closed that we are no longer entitled to the rewards. 
Basically, Bank of America is depriving us of the rewards that we earned by using their card. We did n't have to use their card, we chose to do so because of the rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to purchase a Mortgage Loan, they requested my Credit Report. After received by the Mortgage Bank, they notify me that the Credit Card Account is not present in the Credit Report on none of the 3 Credit Bureaus. 

I proceed to contact my Credit Card Bank ( XXXX XXXX ) to verify this information and they state that the report has been submitted monthly to the Credit Bureaus. I have tried numerous times ( 15 times to be exactly in the past two weeks ) to get an answer on why none of the Credit Bureau companies have received it and they just say that they have done it ( When the Credit Bureau has not receive anything ). The Bank doesn't give me a reasonable answer or result. Do to this negligence, I have recently lost the opportunity to acquire my Mortgage Loan and lost the apartment I was hoping to purchase because that card makes me eligible with the XXXX XXXX needed to purchase the Mortgage Loan. After two weeks, they still don't give me a concrete answer and the Credit Bureaus still haven't receive an Activity or Existence report of my Credit Card Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Reporting Agency violated several laws against me. 
On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 15 U.S. Code 1692j ( a ) States : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

On XXXX, XX/XX/2022, XX/XX/2022 this law was violated 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 this law was violated 15 U.S. Code 1692g ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 this law was violated 15 U.S. Code 1681i ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). 

On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 this law was violated 15 U.S. Code 1681m States : to dispute, under section 1681i of this title, with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency. 

On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 this law was violated based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

On XX/XX/2022 I received a electronic letter via Equifax.com stating that the Debt with XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX is valid, which is incorrect since I have disputed with these accused creditors, and the inaccurate debt have been removed/deleted from XXXX XXXX XXXX  XXXX XXXX crediit reporting agency, and XXXX credit reporting agency . However Equifax still claims to debt is valid, and refuses to remove/delete, and by doing so have violate several laws.
Product: Mortgage

I obtained a modification in XXXX of this year. In XXXX, Nationstar Mortgage said my exhusband should have signed the papers because he was on the original mortgage. I was fine with this until they also added him to the note. He was never on the note. I did not need a cosigner for the loan or the modification. They refuse to remove him from the note and insist that he signs it. They told me that a Promissory Note is not a note for payment. They told me that a Note means different things in different states. I am now faced with applying for a new modification and they have told me that it will be refused if he does n't sign.