23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a purchase on XX/XX/2021 order XXXX on the XXXX XXXX  app. I purchased 3 items totaling approximately {$500.00} and applied a 10 % off coupon. Coupon code XXXX. The app showed the discount applied for approximately $ XXXX {$48.00}. I then entered in a XXXX XXXX gift card number for {$100.00}. It then showed the remaining balance of approximately {$350.00} which I entered in my Home Depot credit card number that is financed through Citi Bank. When my credit card was charged they charged me approximately {$400.00}. Multiple calls on XX/XX/XXXX and XX/XX/XXXX with XXXX XXXX and Citi. Citi is now saying that because I used my XXXX XXXX  gift card the discount was no longer applicable. However no where in the terms of this offer does it say you can not use a gift card. it does say the purchase must be placed on your Home Depot credit card but it does not state the ENTIRE purchase must be placed on your Home Depot credit card. It also states that this offer can not be combined with any other discounts or deferred financing plans, however My XXXX XXXX gift card is not considered a discount. The app also did not show the discount no longer applied after I entered in the gift card number. What it did show was a remaining balance of {$350.00} that would be charged to my credit card.How can a customer know all the exclusions if Citi does not provide the information upfront? This is very deceiving and misleading to consumers because had I been provided the full terms I would have been able to make an informed decision and used my gift card for something else.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. 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. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX whether it be 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 given an explanation of how the consumer can exercise that nondisclosure option. XXXX  XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 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 is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

On XX/XX/XXXX, Citibank notified me via email that an EFT payment for {$130.00} scheduled on a XXXX checking account for -- note this -- XX/XX/XXXX could not be processed. Then on XX/XX/XXXX, {$380.00} another EFT scheduled for XX/XX/XXXX could not be processed. On XX/XX/XXXX, another {$190.00} could not be processed yet I was not notified until XX/XX/XXXX. 
After researching the XXXX account, I found there was ALWAYS funds to cover the EFTs. The XXXX account was NEVER overdrawn since inception. A call to Citi invoked a conference call between the Citi senior representative and a XXXX representative. 
It was confirmed by XXXX that there was always funds to cover the EFTs yet absolutely no record of any attempt by Citi to collect funds. 
A complaint to Citi resulted in an email exchange with Citi 's Executive Response Team. I requested the documentation for their excuse that the account was 'frozen ' or Citi was an 'unauthorized user ' in emailed correspondence. Citi have produced none. XXXX relays the EFTs were never presented nor was there ever a freeze or unauthorized used of the account. Citi was paid through this account from XXXX to XXXX. 
Citi requested a payment on XXXX, XXXX of {$200.00} which was received and confirmed on XX/XX/XXXX YET they reported an overdue and over the limit account to the XXXX major credit bureaus, maliciously harming my credit. Citi had options. They could have produced the reasons from XXXX in a timely manor. Inasmuch as XXXX failed to notify Citi -- if that were true -- of the actions, I should have been notified of the problem. That would have initiated a conversation of how to handle the situation. Today, I don't know if XXXX is at fault ; they deny any knowledge of the situation, yet Citi blames them.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 XXXX 2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  account XXXX  number XXXX account XXXX XXXX  XXXX number XXXX and account XXXX  number XXXX has violated my rights.

Law 15 U.S.C. 1681 states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

My husband, co-owner of the Bank of America account is a federal employee and back in XXXX the XXXX was hacked and our personal info was stolen. In XXXX they filed fake tax returns and so began our IRS issues. Finally we received our XXXX taxes, plus interest because IRS made so many mistakes and misplaced this tax years forms we filed. I deposited the check from IRS/Treasury last night through ATM at approximately XXXX. The check amount is for {$12000.00}, which we suffered and waited almost 5 years for and although the treasury pays out into our bank immediately Bank of America is holding the funds until XX/XX/XXXX, which is ridiculous when we both know they already received the funds into BOA, they are just holding it to make interest and you guys know it. This is wrong!! if its fraud, they would not have received the funds already and they have so they just sit on it for XXXX days and make the interest. This is an illegal tactic by the banks to try to compensate for not charging on overdrafts because theyve lost so much money on not charging for overdrafts. They try to tell me its some kind of protection against fraud well back in XXXX I contacted Bank of America to tell them to make sure that every time someone called in about our checking account that they were supposed to ask them to say the secret phrase that I requested for our protection and BOA stopped asking me about the secret phrase XXXX years ago. When I asked them today, why are you not asking me the secret phrase? no one knew what I was talking about but then they found it so you cant say youre trying to protect me and protect them from fraud but yet youre not doing it!? I find this behavior and tactics by this bank unacceptable. I am going to contact my local senators. Also, we waited a long time for that money and we deserve it. Ive been through XXXX because of the federal government having a unprotected personnel files of all federal employees! I can understand a XXXX  day hold but I watched an individual in the bank deposit well over {$20000.00} in there was no hold for several days that money per the BOA teller told them the funds would be available tomorrow!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was denied a new personal checking account based upon information from " Early Warning LLC '' and their consumer reports. After researching this report and information, I attempted to reach out to the company to request a copy of my report. Despite listing business hours at Monday-Friday, XXXX MST, I was sent to voicemail repeatedly when calling their XXXX number, XXXX this morning, XX/XX/year> at XXXX MST. 

Given the seriousness of their area of business, it is unacceptable that they are not answering calls during stated business hours. I have a right to know what's in my report, and this lack of transparency in operating hours is prohibiting me from exercising that right.
Product: Debt collection

Received two letters from ARstrat Collection agency, XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/XXXX. Each letter states that I owe {$100.00} for charges from the XXXX  XXXX XXXX. I called ARstrat and was informed that the XXXX XXXX had turned over two accounts for {$100.00} each for collection for date of service XX/XX/XXXX ; as a result I owe ARstrat {$210.00}. I informed them that I did no owe this amount, and verified with the XXXX XXXX  that I have a XXXX balance. ARstrat informed me that I need to call XXXX and my insurance company to get details about the amount owed. Neither XXXX nor my insurance company show any balance owed to the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaints on complaint numbers ; EXPERIAN- XXXX XXXX These 3 Credit Reporting Agencies are are now in violation of 15 U.S. Code 1681c-2 - Block of information resulting from Identity Theft ( a ) Block 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, no later then 4 days after the receipt by such agency of- Companies says that they never recieved a FTC report when a copy is obviously attached to and submitted to the complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, A FAX AND LETTER WAS SENT TO VALIDATE THE THE ACCURACY OF A CHARGED OFF ACCT LISTED ON MY CREDIT REPORT FROM ACCEPTANCE NOW, I REQUESTED THAT I BE PROVIDED WITH INFORMATION AND COPIES BE SENT TO ME THAT WAS USED TO VALIDATE NOT VERIFY THAT THE DEBT WAS OWED BY ME TH THE ABOVE COMPANY SUPPLIED THE REPORTING AGENCY WHEN LISTING THE ACCT ON MY REPORT. PAYMENT HISTORY IS NOT A PROPER FORM OF VALIDATION AND THERE IN VIOLATION OF THE FCRA. XX/XX/XXXX A FOLLOW UP VALIDATION LETTER WAS SENT OUT TO RESOVE THE ISSUE THAT THEY ARE STILL TARNISHING MY NAME AND REPORTING INACCURACIES, I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE BEFORE I HAVE TO TAKE LEGAL ACTIONS.
Product: Credit reporting or other personal consumer reports

I submitted a validation of debt request for a public record and only received a verbal name of a company NOT the indavidual that actually reported the information to my transunion report by the FDCPA XXXX and XXXX XXXX sub section XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

I was logged into my XXXX XXXX account and saw a pre-approval offer for a credit card. I filled in my Name and Address ONLY and clicked to the next screen, I was not notified at all that I was filling out a credit card application. There was no warning or no disclosure. Now I have a hard inquiry on my credit report that I would not otherwise have ever asked for. This was very misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have tried to have my consumer report free from all negative things reflecting on my report each time Equifax have utterly disrespected me by failing to respond to my dispute letters, failing to provide proof of method of verification and allowing companies to place inaccurate information on my report without furnishing proof. They has violated several of my consumer rights. Specifically, they failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not they have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. I have proof Equifax have received and accepted through registered mail my dispute letter dated XX/XX/XXXX, and XX/XX/XXXX but failed to respond or provide proof of method used to verify this allege debt. I even reached out to these companies and they did not respond to any of my communications. 

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

On XX/XX/year> I submitted a request with XXXXXXXX XXXX XXXX  to see about a home equity loan I was denied because Equifax reported I had a mortgage I had delinquent accounts I had missed payments. I have none of the above my mortgage is paid off. Ive never been delinquent on any account and Ive never been late on any account. They got my report wrong I tried calling Equifax. They asked for a copy of my drivers license and my Social Security card which I mailed them. I havent heard nothing since its been a month every time I call they say they can not confirm my identity. They do not help they do not care the last phone call. They hung up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I only got report back from XXXX XXXX, associating myself to addresses and such, but it never showed my credit score, it was just blank, meanwhile the other two credit check companies weren't available or inaccessible, so I am still in the same situation I was in before not knowing my credit score
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I've contacted the credit reporting agencies several times in regard to charge-off being reported on my consumer profile. The account with XXXX XXXX XXXX reached charged-off status and the lender cancelled and forgave the debt. The debt was filed on the lenders taxes as a tax write off. This is not a disputable debt because INCOME CAN NOT be reported on a consumer 's profile. Each bureau has the responsibility of reporting maximum accuracy per 15 USC 1681 ( E ) B. I contacted each agency XXXX and XX/XX/2023 to resolve the issue. I contacted the lender to provide documentation that has also been submitted to credit bureaus and the account is still reporting inaccurately on my profile, which is further violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im working on myCredit and I see a couple of inquiries that I have no idea where they came from.
Product: Debt collection

I REQUESTED DEBT VALIDATION, AND THAT INFORMATION WAS NOT PROVIDED DUE TO NON-VALIDATION THESE ACCOUNTS WERE DELETED FROM MY XXXX REPORT PLEASE SEE THE ATTACHED DOCUMENTS XXXX XXXX/XXXX  XXXX # XXXX XXXX  XXXX  XXXX  XXXX  XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XX/XX/2024
Product: Vehicle loan or lease

XXXX. On XX/XX/year>, I purchased a 2024 XXXX XXXX. The seller was XXXX XXXX  XXXX. Per the attached Retail Purchase Agreement, we also bought a Preferred Appearance Protection ( which included the Environmental Paint protection ; see Form FORT XXXX ). 
XXXX. On XX/XX/year>, we visited the dealer XXXX XXXX  XXXX because the paint on the hood showed decoloration due to the rain. We were helped an employee who introduced himself as XXXX ( never said or showed his badge with his real name ). 
XXXX stated that he was the point of contact with XXXX XXXX XXXX  ( AKA XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX ), took some pictures with a cellphone and promised to send those photos to XXXX XXXX XXXX. During our interaction, XXXX said that for him the damages were caused by a big dog and that there was no explanationn for the paint discoloration. Also, while inspecting the car, XXXX used his nail to puncture the pain, leaving sone scratches. 
XXXX. On XX/XX/year>, my husband XXXX XXXX XXXX visited XXXX XXXX  XXXX for a routine maintenance of my vehicle. While waiting in the lobby, he spoke with XXXX XXXX XXXX, XXXX XXXX, and told him about my vehicle paint decoloration. XXXX said that my husband had to contact XXXX XXXX XXXX  and provided a number ( XXXX ). 
XXXX. Mi husband called XXXX XXXX XXXX and spoke with an employee called XXXX XXXX refused to provide his last name ) who stated that our claim had been denied. I personally called XXXX and received the same information. XXXX also stated that we should talk to XXXX so he could elevate our claim to upper management. 
XXXX. On the same day, my husband reached to XXXX, who said he woukld make sure my claim was elevated and promised to get a response immediately. XXXX left my husband waiting for more than an hour and never showed up again. My husband left a message with XXXX of XXXX co-workers who promised to call us back, but he never contacted us until today. 
XXXX. On XX/XX/year>, my husband called the Service Department at XXXX XXXX XXXX, and a female employee took our complaint and promised to have a manager call us by the end of the day. She also lied to us : no one has called un until today. 
XXXX. On XX/XX/year>, we called XXXX for one last time, and he was very rude. He said that upper management had denied our claim because, according to the pictures, there was deep scratches on the hood. I reiterated that those scratches were made by XXXX, that no animal had damaged my car, and no other incident had occurred, other that rain. XXXX promised to send me an email showing the denial determination inn writing ; however, until today XXXX has failed to send said email. 
XXXX. It is clear for me that XXXX XXXX  XXXX and XXXX XXXX  are related businesses and are trying to delay our claim, so the statute of limitations elapses. This is an illegal and immoral practice. Besides, no certified technician has evaluated my car : the denial was based on non-professional pictures taken by XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I sent numerous emails and certified mail to XXXX  XXXX regarding inaccurate credit reporting on account that I always paid on time and the account is now closed. I also sent certified mail to all three credits bureaus requesting a reinvestigation and provide me with debt validation showing where I was late on the account but the credit bureaus always close reinvestigation as verified but doesnt supply any proof of account being late. XXXX XXXX XXXX reported account 60 days late back in XXXX of XXXX  which is false and inaccurate reporting as Ive never paid late on account. As stated above Ive emailed XXXX XXXX XXXX CEO XXXX XXXX no response, Ive email possible financial support requesting proof of late payment no response and Ive sent certified mail to possible financial and its constantly being returned to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously disputed XXXX XXXX XXXX XXXX on my TransUnion report. I have provided sufficient documentation over the course of several months as well as a police report. 
This account that you are reporting does not even bare my name, but a name that is possibly similar to mine. 

TransUnion continues to report this account on my report that does not belong to me and has not been properly investigated nor deleted.