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

As a consumer I am aware of certain rights I have that are protected by Congress under the Fair Credit Reporting Act ( FCRA ). 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXXXXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

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

These are not my accounts, nor name that's listed on file.
Product: Money transfer, virtual currency, or money service

Hello, I was using XXXX constantly for sending/receiving XXXX. But because I visited XXXX XX/XX/XXXX-XX/XX/XXXX this year, my account was disabled because of sanctions between XXXX and US, I guess. I received an email which said I need to contact support team of Coinbase to enable my account, but I could n't reach them for the last 2 weeks. I am reaching you with the hope that you can help me enable my account, or at least help me get back those funds left in my account. Thanks
Product: Mortgage

My husband passed away on XXXX XXXX, 2021 and was sole owner of our marital home. I promplty notified the mortgage company the week of his death. He left the property to me in his will, which was probated. The property Deed is in my name. The VA backed mortgage is not, however I have been confirmed as Successor in interest. All documents pertaining to my right to assume this mortgage were provided to the company, including Letters of Testamentary, the Will, the Deed in my name, personal identification, death and marriage certificates.

Amerisave Mortgage Company refuses to put my name on the Mortgage and is demanding that I submit a new mortgage application. As the sole owner of the property by inheritance, as surviving spouse and because this is my personal residence, this appears to be in violation of the Garn St Germain Act, and the fact that the Ability to Pay rule is not applicable to the transfer of the contract. 

The mortgage is current. We/I have never missed a payment or been late and at present I am not seeking to refinance or otherwise renegotiate the terms of the contract. I simply want the mortgage placed in my name. 

I have been in regular communication with the company, and on XX/XX/2021 received the letter requiring that I submit the new mortgage application.
Product: Credit card

I am writing to formally lodge a complaint against CitiBank regarding their handling of a dispute charge on my account. The charge in question amounts to {$1800.00} and was made on XX/XX/XXXX, for an order placed with XXXX. Despite my repeated communications and provision of necessary documentation, CitiBank has failed to resolve this dispute to my satisfaction. 

To provide context, I never received the merchandise from XXXX for which I was charged {$1800.00}. Upon realizing this, I immediately contacted CitiBank and filed a dispute ( Dispute Case Number : XXXX ). After several months of purported investigation, CitiBank informed me in a letter dated XX/XX/XXXX, that they had made every effort to resolve the dispute but were unable to secure a refund from the merchant. 

This conclusion is unacceptable and reflects gross negligence on the part of CitiBank 's dispute resolution team. The merchant did not provide any tracking number or tracking history to confirm the shipment of the order. Instead of thoroughly reviewing the documentation and demanding proper evidence from the merchant, CitiBank simply accepted the merchant 's refusal to issue a refund. This action, or lack thereof, demonstrates a clear failure on the part of CitiBank to act in the best interest of their customer and to fulfill their duty in the dispute resolution process. 

I am deeply frustrated and disappointed by CitiBank 's inadequate response and their apparent disregard for customer protection. It is evident that CitiBank did not conduct a thorough investigation and instead opted for a cursory review that favored the merchant without any substantial proof of delivery.
Product: Debt collection

Equifax is reporting fraudulent activity on my account. I disputed the items, sent a certified letter with the proof they asked for and called them. They are still reporting the fraudulent activity even after I submitted my Driver 's license, FTC affidavit and explanations on how my identity could have been stolen. My driver 's license was stolen in 2018 and my email was hacked, along with my information being hacked at a hospital. Theives have my name, SSC #, email address and DOB.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Deletion of Unverified Items from Credit Report Dear TransUnion, I am writing to formally dispute the continued presence of unverified items on my credit report. Despite my previous multiple written requests, the unverified items listed below remain on my credit report in violation of Federal Law. In your responses to my dispute letters, you stated that you have verified that these items are accurate. However, you failed to send me copies of the documents used to verify these accounts, as requested. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts as you claimed. Your failure to delete the disputed accounts that you can not verify after my multiple written requests is also evidence of your willful disregard of Federal Law. This will be my last and final warning. TransUnion has specific guidelines regarding the inclusion of certain items on credit reports. For instance, tax liens are no longer included in credit reports as of XX/XX/XXXX, thanks to the XXXX XXXX XXXX  XXXX ( XXXX ) implemented by the three major credit bureaus. However, when it comes to delinquent child support debt, judgments, fines, or liens, TransUnion allows collection purposes only under specific conditions : Court Order : You must have a court order authorizing a consumer reporting agency to provide a consumer report. Consumer Authorization : Alternatively, you need written authorization from the debtor to obtain a consumer report. Credit Transaction : Some type of contractual agreement with the consumer that rises to the level of a credit transaction under the law. Given that TransUnion has failed to follow its own guidelines, I am requesting the immediate deletion of the following unverified item from my credit report : Account Name : DEPT OF JUSTICE Child Support Account Numbers : # XXXX, # XXXX, # XXXX Please consider this my final attempt to resolve this matter directly with TransUnion. If the above-mentioned items are not removed from my credit report within 30 days of receipt of this letter, I will have no choice but to pursue all available legal remedies with the XXXX XXXX XXXX to enforce my rights under the Fair Credit Reporting Act.
Product: Debt collection

I have unauthorized account on my credit report. i have contacted it multiple times with no sucess.
Product: Credit card

Dear American Express Customer Service, I hope this message finds you well. I am writing to express my concern regarding a returned payment fee that was recently charged to my account. After reviewing the details, I believe these fees of XXXX was applied in error and would like to kindly request that it be waived. 


I have been a loyal American Express cardholder for 3 years and throughout this time, I have maintained a good standing with timely payments. The returned payment was due to a technical banking error, a miscommunication with my financial institution XXXX XXXX  this was an unintended oversight and a rare occurrence, I respectfully ask for your consideration in removing these fees as a gesture of goodwill. 

I value my relationship with American Express and would appreciate your assistance in resolving this matter. Please let me know if any further information or clarification is needed. 

Thank you for your prompt attention to this request. I look forward to your favorable response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXXXXXX - XX/XX/year> : XXXX XXXX XXXXXXXX - XX/XX/year> :
Product: Mortgage

On XX/XX/XXXX I entered into an agreement with The XXXX XXXX XXXX XXXX XXXX for a Home Equity Loan in the amount of {$53000.00}. The terms set forth as shown on attached document required me to pay {$610.00} each month starting on XX/XX/XXXX and ending on XX/XX/XXXX. Per the aforementioned terms I made ALL payments. As can be seen from the attached document, payment was made for each month and the last bill due in XX/XX/XXXX was sent and paid as agreed. Ocwen has either been servicing the loan or may have also purchased the loan but they are now telling me that I owe {$4300.00} - an amount that they have not qualified. If I have made all my payments as agreed and comply with all bills/statements sent by them, why would I have this amount owing? Please help me as I need the title for my property. I have sent them several letter and they have not responded, I also called several times but get a different answer as to the reason for the balance. Please help.
Product: Debt collection

CBA reported false info on credit report. Debt was paid in full and balance is XXXX.
Product: Mortgage

Dear Sir/Madam, On XXXX, I clicked on an ad that was willing to tell me how my mortgage payments would change from a 30 to 15 year refinance. I did fill out my information but opted to not be contacted. That was 2 months ago. I have been contacted by Financial Freedom Mortgage. I have repeated ( 2x a day ) asked them to not contact me as I am not interested in a new mortgage. I even spoke to a manager twice and told them to stop contacting me. It has now become harassment.
Product: Credit card

I recently viewed my Credit File with XXXX, and noticed an account that was listed as Open, when it should have been listed as Closed. So I disputed the account information and received a notice from XXXX that my dispute was denied. The bank verified that my account is still open. It should not be open. Also, there is a balance of {$43.00} being listed as due on this account in my credit file. This is wrong. I paid this account in full to XXXX balance and then after confirmation that my payment was processed, I called the number on my card and requested this account to be closed. My final statement dated XX/XX/2023 shows the final payment of {$43.00}, with a XXXX XXXX of XXXX. This is the final statement that I received for this account. I have received no other statements since this final statement requesting payment or showing a balance due. When I go online to my accounts on the bank website, there are no credit card accounts currently listed.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of 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

Upon reviewing my updates, the incorrect information ( inaccuracies ) was still found on my reports, which I believed has been taken care of due to the multiple written appeals I sent as well as phone calls made to Experian. I often get dropped calls. No response was ever received from them to date. Thus, their action has violated the Privacy Act of 1974 and the Fair Credit Reporting Act as follows According to Internal Revenue Services a charge of is a cancellation of debt, certificate of indebtedness, and is reported as income. Income is not to be reported on credit reports but should be reported to the Internal Revenue Services.

16 USC 313.1, 16 CFR 31 After having opted out, my information has continued to be shared and posted on my report by these reporting agencies 15 USC 1681a ( d ) ( 2 ) ( i ) does NOT include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 6802b, as I have informed the credit reporting agencies Experian, XXXX AND XXXX that I have opted out with various companies to NOT share my information. 

15 U.S.C 1681 can not report inaccuracies and also states a consumer reporting agency can not furnish an account without a written instruction.

15 USC 1681b in accordance with the written instructions of the consumer, which has been provided to each financial institution and reporting agency 15 USC 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. 

The Privacy Act of 1974, 5 USC 552a, my privacy has been violated.

15 USC 1681s, 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. the information is, in fact, inaccurate. 

The following items listed below are still reporting on my Credit Reports and need to delete and or updated immediately and indefinitely as follows
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX XXXX : I am no longer liable for this account. XXXX XXXX XXXX : I am no longer liable for this account. XXXX XXXX XXXXXXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account.
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 : 1. Account name : XXXX, Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX, Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX, Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX. XXXX, XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX  XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX IN Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX IN Account ID : XXXX XXXX. Account name : XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX IN Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX  Account ID : 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 card

I visited the Comenity website to pay for my XXXX credit card balance. In order to make electronic payments the website is requiring me to consent to E-Sign and electronic statements to have access to pay my bill online. I do not wish to have electronic statements. This is a new card and I was not told in my disclosure that I could not pay my payments electronically without consenting to estatements. I will potentially have a late payment on my account because now I have to mail a check payment. I believe this is a UDAAP violation as e statements may cause late payments where cardholders will be charged fees they would not get otherwise. I also believe this could be a violation of Reg E, Reg Z and e-sign rules to combine these agreements and consent in one decision for the cardholder.
Product: Debt collection

I Had an account with PayPal credit used my credit cards very responsibly always paid on time until around the time COVID 19 came around I lost my job and fell 90 days behind my payment. No relief was given account went to collections but I managed to pay back the XXXX in full amount around XXXX of 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy and the clear path program was supposed to put my tickets into a payment plan I started my first payment and they never charged my account again. When. I called to see what was going on they told me to pay XXXX 3 months to avoid default and I asked them to reset the plan to also make sure it included XXXX  tickets they refused. I had a legal name change from XXXX XXXX to XXXX XXXX and they still wanted me to do a separate payment plan. 
Plate XXXX
Product: Credit card or prepaid card

I spoke with American Express on Tuesday, XXXX, XXXX 2019 around XXXXXXXX XXXX   considering my suspended paid overtime feature. The Customer Service Representative stated that she was going to put me on hold and speak with the Risk Management Department. After 15 minutes past by she finally came back to the phone and said Mr. XXXX they had your account up for review and they reinstated your pay over time. I asked her a few more questions and she put me on hold once again, after 20 minutes went by I had to hang up the phone. I just checked my account today which is XX/XX/2019 and the suspension for paid overtime is still there. I called back today once again and NOW I'm getting the run around nobody knows anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and experian has not deleted these creditors and it took them more than 30 days ... .XXXX  -XXXX  and XXXX  XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have recently receive a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

I mailed letters on XX/XX/2024 for the companies to rectify these inaccuracies and they have only used stall tactics by telling me to submit info to verify my identity, but I have already done so by submitting my ID with my current address, proof of a bill with current address, and social security card with the letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD SERVICES got a copy of my credit report on XX/XX/2021. I didnt authorize for them to obtain it. 

XXXX XXXX XXXX got a copy of my credit report on XX/XX/2021. I didnt authorize for them to obtain it.