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

This is my complaint to EQUIFAX. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 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 XXXXXX/XX/XXXX
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. 

XXXXt Account # XXXX by 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 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

I have been a victim of identity theft and fraudulent account openings since XXXX  no matter what try to do it keeps happening.
Product: Credit reporting

On XXXX XXXX, XXXX I sent a certified letter to all credit bureaus and Experian advising them that I had never lived at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The person living there has my same name and had a criminal. Experian was going to correct but still remains on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX Experian has added this to my report without validation of account. This account does not belong to me and is reporting on my credit report, this account belongs to XXXX XXXX, as they agreed to take payment for emergency assistance and should contact them for the payment of this account. 
Please see documents to validate my claim. This is a violation of the FCRA and should be removed immediately. 

Collection Agency : XXXX XXXX, XXXX Original Creditor Name : XXXX XXXX  Date Assigned : XX/XX/XXXX Original Amount Owed : {$9500.00} Amount : {$9300.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification : RENTAL_OR_LEASING Last Payment Date Date of First Delinquency : XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

Around XX/XX/2021 got a phone call from US Bank stating that both checking accounts had been restricted. He accused me of being a criminal. 
Once a week I would check with the fraud department in reference to the account and no response. I have made numerous attempts to talk to someone at the bank. I even had a problem changing my address, because I recently moved. 
I froze one of the accounts due unauthorized transactions. This was brought up by the bank that was an option that I could do. And then I got the call stating my accounts were closed due to fraud. They would not give me an explanation of the fraud charge. He said there was a transaction in the amount {$340.00} from XXXX that was turned in as a fraudulent transaction and that was the reason for closing. They have not released all of my funds to me yet. They returned {$3200.00}. They still owe me {$2000.00}. But most of all I did not do anything criminal. And want fraud off of my background. I can not open a checking now.
Product: Debt collection

I just had two collections hit my credit from Central Portfolio Control on XX/XX/XXXX. One for {$300.00} & one for {$2900.00}. I have no idea what these debts are, other than they are medical. I have not received anything in the mail. I have not received any medical service anywhere near this amount, neither have my dependents. I want this removed from my credit.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX Account Number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit card

I signed up for a promotional XXXX XXXX interest rate. On XX/XX/XXXX and XX/XX/XXXX, I received an email from the company : " Your XXXX XXXX introductory APR on purchases and balance transfers expires on XX/XX/XXXX ''. So, I paid off the whole balance on XX/XX/XXXX, to avoid the interest. However, the company still charged the interest. I tried to resolve the issue over the phone multiple times and tried to talk to the manager, but they told me that the promotional period actually expired on XX/XX/XXXX and that they were not able to reverse the interest. I think this is a misleading practice that the company is doing to intentionally make their customers accumulate interest. If I had known that my promotional period expires on XX/XX/XXXX, I would have paid it off earlier. It would be better if they didn't send anything at all, rather than that misleading information.
Product: Debt collection

Asked for the amount to the debt to be validated. I did n't receive anything from them in the required 30 days.
Product: Mortgage

I have had a home loan with Freedom mortgage for about 10 years now and XXXX of this year I received a letter from XXXX County Auditors Office telling me that they were about to auction off one of my properties because of non-payment of properties taxes. I have three partials for my property. I asked witch one and they said the one that my house was on. I told them that I pay my mortgage company to pay my taxes from the escrow. I then called Freedom mortgage and had both Freedom mortgage and XXXX County Auditors Office on the phone at the same time. Come to find out that they have not paid taxes on that property in about 8 years. But I have had them for 10 years so how it fell off Freedom mortgage did not know. I now owe over {$13000.00} in back taxes and Freedom mortgage this month raised my monthly payment from {$1300.00} to {$3100.00} to cover back taxes. I called Freedom mortgage several times to get help and was told that if I didnt pay the {$3100.00} this month it will show on my credit report as nonpayment. I also explained what I found on the internet about ( RESPA ) but they didnt care to hear it! I cant make these payments so we are about to lose our home that just last month put {$15000.00} into a new roof, driveway and new kitchen. We need help PLEASE. My loan number is XXXX I live at XXXX XXXX XXXX XXXX Ohio XXXX. Can you help? My cell number is XXXX my email is XXXXXXXXXXXX
Product: Checking or savings account

I opened up my business account then I deposited my check to my business account then Chase froze my account and wont release funds from check I deposited.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX 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 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

We have tried calling US bank, meeting with a bank employee, paying a separate company to help us get some of the overdraft fees back, and nothing has worked. We have switched from overdraft protection to not wanting the protection, but do not understand why we keep getting charged. They dont explain anything in a way we can understand. We are a family of XXXX and have been hit with over {$3000.00} in fees within the past year or so and it has really put us in a bind. Its like we will never be able to recover from this.
Product: Credit card

XXXX. Refunds Issued as Gift Cards Instead of Cash I made a request in XXXX not to receive refunds via gift cards, yet Macy 's has continued to issue them despite your preferences. This issue has been ongoing for several years since XXXX and still going all these years. 
Despite multiple interactions with customer service and confirmations that gift cards were issued, you never received them. 
XXXX. Expired Gift Cards and No Reimbursement According to the most recent information provided by a Macys representative, there are a {$40.00} gift cards issued in your name, but they have expired because they were not used within the time frame. Macys is now refusing to refund you in any other manner. 
Ive been told that these gift cards are no longer valid, but no other refund option or compensation has been offered. 
3. Lack of Clear Communication and Documentation Despite being a loyal customer and consistently paying my bills on time, Im experiencing poor customer service and no one at Macys seems to know whats going on with your refunds. 
I spoke to a supervisor in the gift card department who claimed to have access to your orders but could not provide any information on the returns associated with those gift cards.

4. Delayed Refunds and Accrued Interest Another issue Ive faced is delays in receiving refunds for returns. I noticed that refunds often take several weeks, causing you to incur interest charges on your Macy 's credit card for money I should have already been reimbursed.

This delay in issuing refunds seems to be a recurring problem.

5. Discrepancies in Order Dates Ive noticed discrepancies in my account, specifically with order dates. For example, you I told that an order was placed on XX/XX/XXXX, but when I checked, the order was actually submitted on XX/XX/XXXX. This could indicate issues with Macy 's internal records or the handling of your account. 
6. Legal Rights Im aware that, under the law, customers are entitled to a refund within 10 days after returning a product, provided the return has been confirmed as received by the company. It seems that Macy 's is not adhering to this timeline in your case, and the delay has caused significant inconvenience and financial harm. 
7. Unfair Treatment I believe that, as a long-time customer who has always paid her bills on time, you should not be treated this way. Im asking for my money back, as well as any interest that may have been accrued due to Macys failure to process my refund in a timely manner.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( block, Inc. ) due to inadequate customer service and unfair practices
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 XXXX XXXX XXXX. 


Account Name : XXXX # XXXX Account Name : XXXX  # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX A. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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: Money transfer, virtual currency, or money service

The sum is {$71.00}. 
I repeatedly filed disputes with Cashapp that were denied repeatedly. The seller on the fake online site never sent confirmation of the order nor have I received the products ordered on XXXX XXXX. Cashapp sites the seller fulfilled their obligation. How, what proof supports a fake website?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time around. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate adjustment of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX., XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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 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
Product: Credit reporting or other personal consumer reports

Why did my Transunion credit score drop by XXXX points and my XXXX XXXX XXXX drop by XXXX points when there were no negative items reported ; I paid off the one credit card with a balance and other accounts are reporting balance decreases. This isn't the first this has happened, I've had my scores drop by as much as XXXX points in XXXX month even though nothing negative was reported. This also happened in XXXX as well few months prior to XXXX as well.
Product: Checking or savings account

Back in XX/XX/year>, I deposited my tax return checks, a few days after the checks were cleared, Citibank decided to close my account. They kept avoiding me and giving me false hopes without explaining to me what Can I do to get my account unlocked. I called everyday for weeks asking what were the solutions to the issue and I kept doing everything they asked for and nothing happened, I went to the branch in person and brought all documents proving the check and the account belonged to me, they refused to help me and treated me very poorly. They were avoiding me and doing the least to help me. I did everything they asked me for. Its been almost 4 months and I have not received or hear anything. Citibank closed my account and keep sending me statements stating I have 0 dollars in my account which is incorrect. Please help me
Product: Prepaid card

On XX/XX/year> I called the US Bank Reliacard phone number to close out the Reliacard account. My XXXX  unemployment  benefits uses their services which should normally be fine but for some reason the reliacard customer service agent told me they randomly locked my account. Keep in mind I have not even activated the card yet so I havnt even used the card or their services once in my life. Now after asking around to other I know who have received their XXXX  unemployment through US Bank Reliacard not one of them have had this issue nor have I found any other person online that has had this same issue. Now it's been weeks going back and forth with them trying to get access to my own money but I can't because they locked me out before I could even activate the card So I had enough of them and yesterday XX/XX/year> I called and requested to close the account and for them to just return the balance back to my unemployment. Well the Reliacard agent told me NO their system has locked my account and they will not close my account and return the funds back to unemployment. I have $ XXXX on that card that I need for bills or I am at risk of becoming homeless. That's my money and it feels like they are stealing it from me and profiting off of my suffering while they hold my money hostage. Please help me. I need this issue resolved as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had business account at Truist bank I received a check that was later found to be fake NO FUNDS WERE RELESED from the check They closed my account and will not release my funds that were already in there ( XXXX ) I do not know what to do the funds that were in my account were legitimate sales I'm a car dealer please advise I lived off this money don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting on my credit file and I sent a letter requesting verification in XX/XX/XXXX. The file was verified through Lexis Nexis in XXXX. This issue is that my Lexis Nexis account was frozen in XXXX in XXXX. I just confused how this was verified when this was account was frozen 90 days prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$940.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  FI XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX