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

XXXX claims my account was closed due to inactivity however there is a XXXX balance on this account, I never charged anything or agreed to a fee of any kind, they do not charge interest, so this company decided to charge me when I canceled the card that had no contract or cancellation fee. 
Thanks and kind regards
Product: Debt collection

Repeated robocalls from a company identifying itself as AR RESOURCES attempting to force debt payment for some organization which I have never done business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, at XXXXXXXX XXXX I spoke to Bankruptcy courthouse employee XXXX. I asked her does the XXXX XXXX report to credit Bureaus. She stated that the bankruptcy court does not report to credit bureaus. I asked her if I could attain documentation stating that the Bankruptcy doesnt report to credit unions. She stated she couldnt send any documentation, but it clearly states on the XXXX XXXX XXXX website that the court doesnt report to credit bureaus. The XXXX XXXXXXXX XXXX Office is not responsible for credit reports and does not provide information to credit reporting agencies. They do not report any bankruptcies to anyone So if that is the case. How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States : The term investigate consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my right numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

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

In accordance with the Fair Credit Reporting act. 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, 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. 16815-2 ( 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: Debt collection

RRS is assuming that the debt is mine due to my lack of dispute to their initial communication letter. However, according to the FDCPA, my lack of response is not an admission of debt. On XX/XX/2018, when I called the representative admitted to not having any documentation on file about the debts. Afterwards, RRS voluntarily ( without my knowledge or permission ) obtained my records from XXXX which included itemization of services that listed the labs I took, an XXXX  " Acknowledgment of Receipt of Notice of Privacy Practices '' with my signature, an XXXX  " Patient Information Sheet '' with my signature, and a copy of my driver 's license. None are these are CONTRACTS stating I take responsibility for the bill. Also, RRS violated HIPPA by obtaining my private medical information without my permission because they admitted to voluntarily obtaining my files. This means that RRS cant produce a HIPPA Release form where I gave them permission to obtain my medical services. RRS reporting their accounts to the credit reporting agencies, is illegal due to them using information illegally obtained. Theyre saying my disputes have no factual or legal ground, however with RRS having my medical file and information without me knowing especially after their representative stated they had nothing on file for me is a clear violation of the HIPPA Laws. RRS is aware of this violation and refuses to remedy the situation. They are now subject to up to {$50000.00} in fines per violation according to the HIPPA Guidelines. By continuing to report the information they are exercising illegal debt collection. Also, I checked with the hospital and they confirmed that there is a balance of {$0.00}.
Product: Money transfer, virtual currency, or money service

I have become a victim of wire transfer fraud on XX/XX/22, ended up wire transferring {$41000.00} ( 2 transactions of {$37000.00} and {$4000.00} ) at my local XXXXXXXX XXXX  around XXXX XXXX XXXXXXXX. As soon as I found out it was a scam I rushed over to my bank to stop the transactions around XXXXXXXX XXXX XXXX. Claims on these were initiated on XX/XX/22 ( case # XXXX, XXXX ) and the swift recall request was made to The recipient bank, East West bank at XXXXXXXX XXXX XXXX XXXX  on XX/XX/22 according to XXXX 
I also have tried to reach out to East West bank very next day on XX/XX/22 to alert the fraud transaction to their account but what they were saying was they would only communicate with the XXXX XXXX directly as I am not their customer. Since XX/XX/22 I have not heard any updates regarding this matter despite my multiple attempts to talk to the XXXXXXXX XXXX XXXX team and East west bank. 

The XXXX has been telling me East West bank has not been responding towards their request saying my case me be closed due to inactivity since XX/XX/22. Now my bank is telling me to reach out to East West bank directly to further resolve this matter after I lose all my times to stop the fraudulent transactions. However, East West bank is just saying they would only work with the XXXX directly while not taking any actions. 

I believe this fraudulent wire transfer might have been stopped if East West bank collaborated with me and my bank in timely manners as I took quick actions to stop the transactions within 3 hours of the fraud occurrence. 

The recipient bank account info is XXXX, XXXX XXXX. 

I felt like i have lost golden time opportunities to stop the transactions due to passive actions of both my bank and East West bank despite my quick actions to stop the transactions.
Product: Payday loan, title loan, personal loan, or advance loan

I need help please I pay and pay and pay and I can not finish pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and found an address that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do their website. To make the process of deletion easier, here is the address that I am currently seeing listed which I would like removed please : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Once you have deleted the inaccuracies names and address from my credit report, please send me a copy of my updated report. 

Thank you XXXX XXXX
Product: Credit card

I was charged {$130.00} from a merchant to repair my iPhone. The workmanship was poor and the phone screen came off a week later. I presented the proper evidence for a refund and they did not issue me a refund. They then promised to issue me a refund, they never issued me a refund, and when I called back, they said they would no longer honor the original amount of the refund offered.
Product: Credit card or prepaid card

Unauthorized accounts for Lane Bryant and Express showing on my credit reports. They have failed to properly verified and validate the accounts were authorized. They have not sent any documents bearing my signature to open the accounts.
Product: Mortgage

I am the deeded owner of the property and I have repeatedly tried to work with the bank on this property that was deeded to me by my Aunt XXXXXXXX XXXX 2021. Wells Fargo refuses to return calls or respond to letters sent regarding the property. Instead they have chosen to proceed with foreclosure
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit card

- Summary : US bank does not provide welcome bonus about my second Skypass Visa Signature Card because of their changed regulation as described in the attached file.

- Date of applying for the first Skypass Visa Signature Card : XX/XX/XXXX on XXXX  ( no regulation change, meeting spending requirement in XXXX months ) -> I got XXXX welcome reward. 
- Date of applying for the second Skypass Visa Signature Card : XX/XX/XXXX on XXXX ( not sure about regulation change, meeting spending requirement in XXXX  months ) -> I did not get XXXX welcome reward so far. 

- Regulation for first Skypass Visa Signature Card " SKYPASS Visa Signature Card : Spend {$4000.00} in Net Purchases with your SKYPASS Visa Signature Card within the first XXXX days of account opening and earn a one-time bonus of XXXX Bonus Miles. '' - Regulation for second Skypass Visa Signature Card " SKYPASS Visa Signature Card : Spend {$4000.00} in Net Purchases with your SKYPASS Visa Signature Card within the first XXXX days of account opening and earn a one-time bonus of XXXX Bonus Miles. 

XXXX I am not sure whether they include the sentence in the regulation below when I made my second card. 
[ Existing or previous SKYPASS Visa Signature card members are not eligible if you have received a new account bonus for this product in the last XXXX years. '' ] - My opinion XXXX : When I made the XXXX XXXX, I also did not see this inclusion. Thus, they should provide me with XXXX welcome rewards. 

- My opinion XXXX : If there was an inclusion, there was no notice about it. It should be considered that it was a hidden change which US bank deliberately concealed with intention of refraining from giving a welcome bonus. In the case of XXXX, if I am not eligible for welcome reward while applying for a credit card, there is pop-up letting me know. Because of their intentional conceal, they should provide me with XXXX welcome rewards. 

- My opinion XXXX : If there was an inclusion at the moment when I applied for the second card, the new inclusion should not be applied retroactively. The added rule ( existing or previous SKYPASS Visa Signature card members are not eligible if you have received a new account bonus for this product in the last XXXX years ) should not be applied to the first card since each card is a different product with a different rule. Since the new rule should start from the second card, it makes sense that the reward for the third card with the same regulation with the second card is not given.
Product: Checking or savings account

On XX/XX/2023 I made a purchase with XXXX in the amount of $ XXXXat the time of purchase funds where deducted from my account on XX/XX/2023 is the processing date the transaction completed and withdrew my account into the negative. Bank of America deducted funds at the time of purchase and at the time of completion of the processing transaction. Every transaction made with my debit bank of America deducted funds from account at the time of the transaction and deducted again when the transaction is done processing. This has happened multiple times in my account. Tried to screenshot the error but bank of America website doesn't allow screenshots and blacks out the screenshot of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EXPERIAN ( XXXX ) XXXX ) BUT CAN REACH NO ONE. I HAVE REDISPUTED THE SAME ACCOUNT XXXX XXXX # XXXX, PROVDING PAGES OF DOCUMENTATION FROM XXXX AND MYSELF THAT THE ACCOUNT WAS NEVER LATE. THIS REFUSE TO ACKNOWLEDGE THIS. MY REINVESTIGATION COME BACK AS " REMAINS ''. I HAVE DISPUTED THIS SAME ACCOUNT WITH XXXX  AND XXXX  WHO UPDATED MY ACCOUNT. EXPERIAN HAS CAUSED ME EMOTIONAL DISTRESS! THEY ARE A FRAUD
Product: Debt collection

On XX/XX/19 @ XXXX CST called Bank of America at (  800 ) XXXX and was promised {$9.00} debt payoff letter. There was no indication from XX/XX/19 call this request could be declined. 

I never received {$9.00} debt payoff letter. 

I again called Bank of America at ( 800 ) XXXX and was told compliance department declined a request from Bank of America employee XXXX XXXX to send me a {$9.00} debt payoff letter. This agent refused my request to pull the audio recording from my XX/XX/19 call with Bank of America to confirm {$9.00} debt payoff letter.
Product: Money transfer, virtual currency, or money service

Paid for items over Zelle and was scammed. Would like a refund
Product: Checking or savings account

On XX/XX/year> Chase bank closed my checking account ... {$2600.00} was still in my account when they closed it and they have not released my funds... I have called numerous times with the same results... they said they would know more once they can contact the maker of the check... they said they only verify checks by calling phone numbers... they said the maker of the check has to register there phone number with the Secretary of State and that is the only way they verify checks... The secretary of state said don't record phone numbers for any business on their records
Product: Debt collection

I do not know if I clicked on the correct description, I assume the Debt was mine but the remaining balance Past Due, is not mine .My Credit Report shows my CAPITAL ONE Account Closed XXXX XXXX, XXXX and paid .and " Charged Off ''. Credit Report shows at the time A Credit Line {$1900.00} ( XXXX, XXXX ) Balance in XXXX is now {$1900.00}. I do not have a Credit Line with XXXX XXXX .Payments to XXXX XXXX XXXX is {$20.00} a month. Stating on " Statements '' if Debt is not paid, " Attorney will be retained and I will be taken to court '' My XXXX Credit Report shows CAPITAL ONE DATE : XX/XX/XXXX STATUS : XX/XX/XXXX REPORTED : XX/XX/XXXX LAST REPORTED DATE : XX/XX/XXXX I would assume the Reported Date would be XX/XX/XXXX, XXXX years difference. ( Am I correct? ) Shows " Recent Balance '' $ XXXX XXXX XXXX. $ XXXX XXXX $ XXXX XXXX XXXX 
Credit Report XX/XX/XXXX 2022-PAYMENT HISTORY-No payments have been reported on this account. ( {$1900.00} XXXX XXXX XXXX ) If there is No payment History please explain the {$1900.00}? If my High Limit was {$2500.00} Highest Bal was {$2500.00}. Does that mean I only spent or made one payment of {$43.00}?? To difficult to come up to a conclusion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX still did not send a request to XXXX and Transunion to remove the chargeoff or delete XXXX XXXX from my credit report. Do to the fact XXXX XXXX was beening untrustworthy. Do to the fact I never sent a cease and desist letter to XXXX XXXX never had a chargeoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my info was misused and I now have some false not XXXX XXXX accurate accounts and information on my credit report. 

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did research myself and found inaccuracies on my credit report even after they said they did research. In Accordance with Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX  Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX Also 15 U.S.C 1681 Section 602A says I have a right to privacy and Section 604 A Section 2 says a consumer reporting agency can not furnish an account without my written instructions and consent as well as the right to opt out! I was not given the opportunity for my information to not be shared and I'm demanding removal of these items.
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. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been mailing letters to the credit bureau for the last 8 months about these student loans on my report. I have never attended a college with student loans. I have been incarcerated for some time. I am now trying to get my life back together by getting my credit up to standard, but I can't because these fraudulent student loans is on my report. 
It has been taken off XXXX, and XXXX, but some reason Equifax is staying. I need to know what to do from here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank blocked my savings account with XXXX dollars for XXXX month and a half I couldnt pay my rent and my bills I have a Citibank credit card that I couldnt pay because Citibank hold my money now Citibank report me to credit bureaus while theyre holding my money I lost so many points on my XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for personal loans through XXXX XXXXXXXX XXXX XXXX, who work with XXXX, XXXXXXXX XXXX XXXX  and XXXXXXXX XXXX. I was denied these loans due to misinformation reporting on my Transunion credit report, and have no way to get financial support, due to Transunion 's violation of my consumer rights ( Per 15 USC 1681, 15 U.S.C. 1681a ( e ), and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). If I can't get any funding, how am I supposed to live or pay off these cards? This is in direct violation of the Equal Credit Opportunity Act, and I demand loan acceptance or compensation from Transunion.
Product: Debt collection

This company has sent several debt collection notices for laboratory bills that we did not receive a bill for. Ever time I have tried to pay online and their site has been down. The bills the send are dated about 2 weeks before they arrive. The whole things looks very fishy.