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. 
I told Experian to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit card

I have a credit balance of {$20000.00} on my Apple Credit Card account that was closed. Goldman Sachs is the bank. I disputed XXXX transactions against a con artist general contractor. The disputes were found in my favor and XXXX credits totaling over {$20000.00} was credited back to me. During this time my account was closed and I can no longer use that credit balance. I have asked for this refund via a check or ACH transfer since XX/XX/year>. I have been given several excuses and guarantees that the money will be sent to me. They have called XXXX saying they are still working on it and their system is not allowing them to process the refund yet.
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 confidentially under 15 USC 1681. 
XXXX XXXX Account : # XXXX XXXX  XXXX account : # XXXX XXXX  XXXX Account : # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : following the written instructions of the consumer to whom it relates. '' The financial institution and the XXXX reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any authorization to Equifax, XXXX, or XXXX, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' 15 USC 1681c ( a ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of the following items : any other adverse information other than records of convictions for crimes that antedate the report by more than seven years.

5 USC 1681 s-2 a 1A 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 the information is inaccurate. 

Equifax, XXXX, and XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which
Product: Mortgage

I was denied the day before closing on a house due to the ignorance of the loan agent causing me to no out over {$1500.00} in fees and the seller to be left hanging after packing and start this move to a new property
Product: Debt collection

Tried to call the company XXXX XXXX several times in the month of XXXX about them canceling my insurance and was told my insurance was paid and and was sent a bill. I was then told it was sent to collections for auto coverage I no longer had. 
XX/XX/XXXX Amount {$580.00}
Product: Checking or savings account

In ab out XX/XX/XXXX, I opened an acct with SunTrust Bank because Social Security required a bank to do my SSRI into each month. Jumping to XX/XX/XXXX, XXXX cellphone sent its payment to SunTrust, causing my acct to be in a - {$400.00} balance. To clear up that unfortunate situation, an employer sent me as he has attempted to do for 3 months, however, each time , ST ( SunTrust ) kept refusing or delaying acceptances of the job 's payment to me for expenses to do the 2 week. 

Suddenly, on XXXX XXXX, I wanted to correct the incorrect acct number showing on my mobile account. I called ST and then was told that ST is closing my account, BUT it will not tell me anything about WHY IT IS BEING CLOSED and I am not allowed to access the funds in the account to go to my job that has been put on hold for 3 months. 

My complaint against SunTrust is that it is holding funds {$4800.00} just like XXXX AND XXXX  XXXX  HAVE DONE OVER 2 YEARS, totalling {$20000.00} + {$4800.00} and my bills are not paid because XXXX, XXXX, and now ST are holding my money. 

Can your agency prosecute these and hundreds of other financial banks to demand return to me of my nearly {$25000.00} in illegally held accts. 

Thank you.
Product: Debt collection

I closed my internet account with XXXX in XXXX of 2020 in person at a XXXX   store and paid my outstanding balance in full. Three months later, I received a letter from a debt collection agency ( MRS Associates of XXXX XXXX, NJ ) informing me that I owed XXXX  {$50.00}. I had received NO notification, via email, phone, or mail, directly from XXXX  about this debt, which I do not in fact owe. They referred the matter directly to a collections agency, exposing me to harassment and sharing my social security number without my consent.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts XXXX XXXX XXXX XXXX, an auto loan account opened at XXXX XXXX XXXX and XXXX XXXX XXXX also student loans with Dept Nelnet under multiple account numbers, and a collections account opened at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Date Opened : XX/XX/year> Balance : {$11000.00} According to the Fair Credit Reporting Act ( FCRA ), negative information should not remain on your credit report for more than XXXX years. As this account is now over XXXX years old, I request that it be removed from my credit report. 

Additionally, this account has already led to the repossession of my vehicle, which has created significant hardship for me and my family. I acknowledge my financial difficulties and am willing to address this debt, especially given my ongoing medical issues that have further complicated my situation.
Product: Money transfer, virtual currency, or money service

I bank with HSBC US. 

So far, this bank has proved to be a complete disaster. 

I thought I would just tolerate the fact that I needed to repeatedly email the staff that they overlooked my response during account application. Yet, what happened later made me XXXX XXXX XXXX XXXX 

In XX/XX/year>, I was scammed by a fake XXXX XXXX XXXX platform and lost XXXX. Thats why I approached a cybersecurity expert online to help me look into it. Yet, she wouldnt help me unless and until she receives my money. I wired her XXXX at XXXXXXXX XXXX ET, which passed the cutoff time. I tried to recall it by phoning the bank next day. Yet, the transfer was executed on XXXX XXXX. I was pondering whether I should continue with my payees service. Yet, nothing came out from her side. Thats why I decided to recall the fund and raised my request on XXXX XXXX. Despite the fact that the fund wont actually land in my payees account until XXXX XXXX, the bank simply let the investigation drag more than a week. I was increasingly hopeless until finally I received the result that my payee got my money and moved it elsewhere. My request was denied because the fund was unavailable. I lost XXXX to a stranger What devastated me more was the response from app chats that each agent would came back with a different response about the waiting time and others. Some didnt even care to check further, while others made requests for me but to no avail. What troubled me most was the one call I made to the HSBC XXXX assigned contact. That executive couldnt even expressed herself clearly in XXXX. Everything from her was so fragmented that I couldnt believe that this was the experience intended for a premier customer. 

Overall I was perplexed and petrified in the entire process of addressing my request. Not only did I lose every cent of my hard-earned cash, I felt utterly humiliated and discriminated against by this bank. I cant trust this bank anymore. 

Today is the XXXX day since I filed my complaint with the bank via its chat service ( they gave me a complaint number XXXX ). Still, the customer service requested me to wait two to four working days, while previous agents told me yesterday and the day before yesterday to expect a result in 24 to 48 hours. Yes, this bank failed me in every single aspect. And the only answer I get so far is to wait, wait and wait because they cant recoup my money or foot the bill.
Product: Mortgage

Hello. 
This problem has been going on for three years. Due to a divorce I am no longer able to pay my mortgage. Three years ago Chase agreed that I would be able to do a short sale. Since I was approved I have gotten multiple offers, including cash offers. All denied. I have been bombarded by phone calls from their collection department which knows absolutely nothing about my account. I explain to them about being approved for a short sale and they say they 'll note the account but keep calling and calling and calling. I have had over FORTY, yes XXXX different people in charge of my account. It seems once I seem to be making a little progress in the situation I am moved to another representative who knows nothing if I can even get them to return my phone calls. I beg my realtor to not quit as she has ove 300 documented hours of time dedicated to dealing with the bank. 
As of rite now a offer has been put in and has been denied. The person who denied it has said he does n't remember denying it and ca n't give us a reason as to why. We have put a appeal in and ca n't get anyone to call us back. Please, I do n't know what to do. I am a simple man and need to get on with my life.
Product: Debt collection

National Credit Adjusters ( NCA ) sent an email to advise that I have a debt with them of a principal amount of {$400.00} which is now {$1200.00} and if I don't contact them in two days the debt is going to go up to {$8400.00} ( attached email ). They did not provide any phone number to call and believe the company is engaging in unfair and deceptive acts and practices in the collection. They have also reported this to the credit bureau. 
NCA is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and is engaging in the unfair and deceptive acts and practices in violation of sections 807, 807 ( 2 ) ( A ), 807 ( 4-5 ), 807 ( 7 ), 807 ( 10 ), and 808 ( 1 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692e, 1692f. NCA has misrepresented by inflating the amount actually owed on the account they say I owe. I do not have an account number of the debt they are alleging I owe nor have they provided any call back number. NCA has threatened me with legal actions including lawsuits, visits from process servers, and arrest when NCA does not have the legal authority to take those actions.. NCA 's claims are false and misleading, and thus NCA is committing deceptive acts and practices in violation of section 807 of the FDCPA, 15 U.S.C. 1692e, ( 2 ) ( A ), ( 4-5 ), ( 7 ), and ( 10 ) Unfair Acts and Practices in Violation of the FDCPA Inflation of Account Amount! NCA is engaging in unfair or unconscionable means to collect on debt in violation of section 808 ( 1 ) of the FDCPA, 15 U.S.C. 1692f ( 1 ).

Deceptive and Unfair Collection Activities under the CFPA. 
NCA has previously engaged in unfair and deceptive acts and practices as shown in Administrative proceedings File # XXXX, Consent Order on violations, and is in complete disregard of Consent Order stipulations signed XXXX of XXXX 2018, which is still in effect ( 5 years ) and enforceable.
Product: Debt collection

In checking my credit report I find EOS CCA, XXXX XXXX XXXX, XXXX, XXXX XXXX, claims I owe them a current debt dated XXXX/XXXX/XXXX in the amount of {$460.00}. 

That is impossible. I have not used any credit since XXXX when my XXXX XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt I might owe over 8 years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any of the less than half dozen outstanding debts I might have owed at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off XXXX years ago.
Product: Money transfer, virtual currency, or money service

I have tried to reach out to daily pay about my reported earning that isn't reported right from them. My job told me tgat my reports were on point for instant. I make XXXX $ a day. They said my reported earning from my job was only XXXX $ and it had happened multiple times. There stealing my money. And some of the days I dont even get my report at all. Daily pay consist of money advance. And my whole check goes to them. And they are getting different report so therefore my check are so short I've called over a week now and they say the supervisor gon na get back with me and never do. Or they try amd email u and say the same thing thehbtold me over the phone. I cant ever get thur with them. How unprofessional
Product: Student loan

On XX/XX/year>, I applied electronically through the XXXX website to switch from SAVE to XXXX. I received a notice from MOHELA XX/XX/year> that my application was received. I called MOHELA and requested to be placed on a processing forbearance. The request was denied. They said that per their guidance from the dept of education, they could not switch me off of the SAVE administrative forbearance until my ICR application was approved. This is nonsensical- why would I need a processing forbearance at the point when my application was approved?
Product: Mortgage

My lender at the present time is SPS and my loan was serviced transferred to them in XX/XX/XXXX and before that was XXXX. Either lender has REFUSED TO OFFER ME ANY MORTGAGE ASSISTANCE AT ALL. My interest rate is 8.5 % that is so high for these days and asking for help over and over again but to give me a outrageous repayment plan I can not afford. Below is what they gave to me and this will not even take me out of foreclosure. I want something more affordable and at the going rate today of 4.25 % to 4.75 % and this home would be affordable for me to keep. 


SALE DATE XX/XX/XXXX APPROVED FOR REPAYMENT ONLY OFFER AND LAST OFFER NEW PAYMENT WILL START XX/XX/XXXX FOR 12 MONTH RE PAYMENT PLAN NEW PAYMENT WILL BE {$7200.00} THERE IS NO GRACE PERIOD AT ALL HE IS P/D 110 MONTHS TOTALING OVER XXXX THIS WILL NOT BRING HIM CURRENT AFTER THE 12 MONTHS HE WILL HAVE TO RE APPLY AGAIN SALE DATE HAS BEEN SET FOR XX/XX/XXXX NOW IF THIS OFFER IS NOT TAKEN THEY WILL NOT OFFER ANY OTHER OPTIONS FOR HER AT ALL Even with my first lender was XXXX they did not offer me nothing. I have been trying and struggling to keep my home and get back on track with my lender SPS but they have made it so difficult for me to even get on track with such a large payment and nothing is a guarantee either they wont take my home after i would agree to anything. 
So it all comes down to one thing, not XXXX TO SPS have given me one modification at all since i have obtained the loan in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of Identity Theft 3 times in the last 7 years. I have 3 separate police reports related to all of the items. There were mortgages, credit cards, loan, collections, tax liens and bankruptcies that were filed done without my personal. I have sent letters to all creditors as well as to local government to obtain original copies of all documentation. I will be sending the credit bureaus all of my supporting documentation and police reports. Please please removed and permanently delete these items from my credit report. This has RUINED my life for 7 years and I am desperately trying to get this resolved asap. This has stop me from getting apartments, jobs and everything. I need immediate help to once and for all resolve all of these issues. Please permanently remove all these items from my credit report immediately.
Product: Debt collection

I hired XXXX XXXX XXXX. So far since XX/XX/2022 they've settled only XXXX of XXXX and are in process with a second now. The third is XXXX. XXXX owed. They have summoned me to court they threatened to XXXX my house. My daughter is on it too that will effect her! They want all of the money and I can not do anything about it. I don't have it. I don't have a car and this fdr should have settled this for me. But they didn't. Their " legal '' department is doing nothing they want the money too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having my payments returned again. I can not get them to accept my payments. Through their response to my complaint they told me to change where I send my payment. This company keeps changing the rules and I keep being punished for it. Now they are applying charges to it as well. This is not acceptable.
Product: Credit card or prepaid card

Had a USBank Visa card, on XX/XX/XXXX they received a payment of XXXX payment, which left a balance of XXXX. 
The remainder was paid on XX/XX/XXXX which left a XXXX balance. 
On XX/XX/XXXX called and asked to have account closed, and was informed at that time it still had a XXXX balance. 
After getting the letter in the mail on XX/XX/XXXX that said the account had been closed and it was dated XX/XX/XXXX, I decided to look online to make sure all was right, and there was a XXXX balance, it said it was interest charged on Purchases that was charged to the account on the same day it was closed. 
My wife called to inquire about it, and was told that it was from a balance transfer from years ago ( which is a lie ), yet this is the 2nd time the card had been paid off, and any balance Transfer was done before last pay off. 
The statement says Interest on purchases, and XXXX interest on Balance transfers, and XXXX balance on cash advances. But XXXX interest on Purchases. 
And since they did n't credit the XXXX till XX/XX/XXXX they charged Interest on over XXXX worth of balance, at 24.99 %. 
This interest rate has been going up each year since getting card, and never had one single late payment. 
I talked to some woman named XXXX on XX/XX/XXXX who said she was from Legal department, and what they did was legal, and I needed to pay that amount that day, because the account was closed, or she would report it as 30 days late payment. 
I feel I have been victimized by them, and they want me to pay for closing the account at XXXX. The attached file XXXX shows what I am talking about. 
Can you Help?
Product: Debt collection

collection company name the bureaus inc account number : XXXX contact info XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, il XXXX I don't recognize this collection this account where open fraudulently I demand proof that original creditor had a permissible purpose under 15 u.s.c 1681b to access or report my information. absent of such proof, I want them to delete this entry immediately from credit report thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for the collection of XXXX in the amount of XXXX $ about a month ago. Equifax deleted it. Now 3 days later the collection is back on my report. I have given them the proper documents signifying it is a fraudulent collection account and it still comes on my report. I tried disputing online again but they will not let me dispute without calling in on the phone. I called in on the phone and was transferred to the " Fraud '' department where I sat on hold for over XXXX XXXX  This XXXX XXXX needs to be deleted and stay off my report. I will be contacting the attorney general if Equifax can not properly resolve this fraudulent reporting on my credit report.