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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, Account name XXXX Account Number XXXX, Account name : XXXX Account Number XXXX, Account Name XXXXXXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account name XXXX Account Number XXXX, Account Name XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number XXXX, Account Name XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX Account number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc . ) Due to inadequate customer service and unfair practices, which violates the consumer financial protection Act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent 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 and regulation E.These actions have resulted in significant inconvenience and financial loss and I seek appropriate redress for these violations.
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 Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, has violated my rights 15 USC 1881 section 602 A. States I have the right to privacy.

15 USC 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furish a account without my written instructions 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 16818-2 ( AX1 ) A person shall not fumish 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

Im a card holder on an account with XXXX that I pay monthly. The account # XXXX with {$200.00} credit limit not much to others but a lot to me. I pay monthly on this account and Equifax is not reporting this account closed, this account very much open and I would like it to reflect on report please help me thanks we all know how Beneficial and important payment history is to credit I would like to this to show please help me thanks
Product: Money transfer, virtual currency, or money service

I sent money multiple times where I sent money to a person and it didnt send or they sent me money and it never made it to my account. Also no fine print or reminder to remind me I am sending it to the correct pero son. I have lost money to fraud and scams. I lost XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

CASE XXXX ( divorce case ) Parties responsible : XXXX XXXX for XXXX XXXX XXXX  Role : created fraudulent child support order found in XX/XX/XXXX final orders. Mr. XXXX has asserted he made no mistake and refuses to direct CSE , COUNTY ATTORNEY, or courts to fix his fraudulent child support order. 

XXXX COUNTY ATTORNEYs OFFICE ( intervenors and have court order to modify child support  and have since XXXX ). 

XXXX County Child Support  Enforcement Agency~states it  has taken no action ( verification uploaded in complaint ) but has suspended my drivers license, reported this roughly $ XXXX fraudulent child support order to my credit knowing its false. 

These acts are intentional and malicious and have caused excessive damages to myself from all parties. 

HISTORY Child support order from XX/XX/XXXX. 
XX/XX/XXXX XXXX County Attorneys Office and Child Support Enforcement Agency motion the court after my ex was ordered to pay support ( which agencies aware he never paid ) ; court order granted XXXX County District Attorney and XXXX County Child Support Enforcement Agrncy to modify child support at at any time unless it terminated as intervenors to the case ( it has not ). The XX/XX/XXXX order is clearly erroneous as I was ordered to pay, though my financial affidavit was based off around XXXX/monthly ) child support  order of a $ XXXX wage earner. County attorney and CSE,  via a number of emails, told me I had to go through the court though it had changed it before. Went through XXXX court, attempted to, twice. The same magistrate a number of issues are pending appeal, including this, as she repeatedly acknowledge my evidence and as a result set hearings and had me prepare only to vacate them transcripts will show was invalid and crossed the abuse of discretion line. Continued to hound CSE/county attorney. This has caused my first eviction, first car repo, and much more. Ive finally gotten the county attorney XXXX, and CSE XXXX XXXX via email to offer a modification after years of denying to do so. Its also been stated in an email CSE And county attorney are NOT and have NOT taken action against me. These agencies have been emailed verification this is in my credit, my drivers license is suspended, over half of my EMERGENCY unemployment is garnished along with everything else. It refuses to fix the issues and its destroying my career. I have a degree in Finance and have proof of jobs I cant get bc of all of this.

I have a number of issues pending appeal which makes it impossible for the court and CSE and county attorney to change child support order now as its held in abeyance ( law change XX/XX/XXXX in parental responsibilities concerning WC ). Im being offered a modification but it takes 4-6 months without pending appeals. It doesnt fix my credit report. It doesnt fix arrearages though this is XXXX  countys fault. Again emails will provide and logs to CSE Ive been trying to correct this with these entities since XX/XX/XXXX before it was even due. Please hold accountable. Make an example out of thus county please.
Product: Mortgage

I refinanced with XXXX after being with loancare for a year. Loancare was supposed to send me a refund escrow check on XX/XX/2015 I received a breakdown letter postmarked on XX/XX/XXXX but no check for XXXX XX/XX/XXXX I receive a letter of payoff but still no check I call and I was told by a customer relations rep that because I am not a customer he does not have to deal with me. This company has the worst service I've ever seen. All complaints about this company are valid. They don't keep track of there checks because it's sent through regular mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my latest report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my disputed items in my credit report. As of todays date, Equifax and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed items below for 100 % accuracy : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$330.00} XXXXXXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX XXXX Balance Owed : {$5.00} XXXX XXXXXXXX XXXX Balance Owed : {$2.00}
Product: Checking or savings account

I am writing to file a formal complaint against BANK OF AMERICA regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. On XX/XX/year>, I submitted a complaint requesting that Bank of America remove their reporting to XXXX XXXX which has errors and incorrect information about me that is preventing me from opening a new bank account, but my request was ignored. They provided a number with an extension to call to discuss the matter but my calls and voicemails were never answered. I'm requesting that Bank of America rectify the information that they are reporting to XXXX XXXX or remove their reporting. 
I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. On XX/XX/year>, I notified BANK OF AMERICA that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that BANK OF AMERICA has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that BANK OF AMERICA complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumers like me. Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by BANK OF AMERICA.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have never had an account open with this company. I have told them and disputed this before. I will not just give my money away especially for a debt that I did not consume I have disputed this already and received no help. Please help me in resolving this debt as it is not mine to pay for.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized inquires include : XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX on XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquire on XX/XX/XXXX Attached is police report and paperwork with all fraudulent inquires sent to all brureas
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian at XXXX XXXX  on XX/XX/XXXX, I informed them on some hard inquiries that I wanted removed and they said they don't have the power to remove them US SM BUS ADMN ODA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  I also called these companies to dispute these hard inquiries as well.
Product: Mortgage

My loan was originally submitted as a lender pay broker compensation fee and on the day of closing when the final cd was disclosed it was changed to a borrower pay. I reach out to Approved Mortgage Source LLC to find out why my closing cost was so high when i was told that it would be {$1500.00} the explanation that I got was that its the first time doing business with that bank and when my loan was submitted it was submitted as a lender pay but they said since they're paying on my down payment and closing cost I should pay, this was never disclosed to me until the day of closing when I call the title company to find out why. I then decided to walk away and that was when XXXX agreed to give back {$1800.00} of that to go in my pocket and {$900.00} towards my closing which the {$900.00} was not honored. This man makes my experience as a first time home buyer a nightmare with all its lies and deceptions.
Product: Debt or credit management

I paid for a XXXX day promotion which was suppose to be free in 2013. I also never received any documentation of what they did within the XXXX days. Nor did I see a change within my credit score. This was actually for two people as well. They stated that I canceled my account which I did not. They still took the fee. Very confusing and misleading
Product: Checking or savings account

My original complaint with CFPB was XXXX filed XX/XX/XXXX. Citibanks brush-off, incorrect and avoidance to address the issues reply was received XX/XX/XXXX. Below are my objections and refiling the original complaint in hope that this time the issues would be addresses. 
1. COMPLAINT ON UNEVEN INTEREST RATES ON SIMILAR ACCOUNTS : I originally mentioned 4 bank accounts as follows : XXXX, XXXX, XXXX and XXXX which have almost identical amount on deposit. In the Citibank reply, they addressed the only 3 of the above XXXX, XXXX, XXXX XXXX and added for confusion another account XXXX which DOESNT have the same deposit amount as the original mentioned 4 account. Furthermore, after checking accounts XXXX, XXXX and XXXX were originated in XX/XX/XXXX with an interest rate of 0.08 % rather than as pointed out INCORRECTLY by Citibank ( for XXXX XXXX and XXXX ) with interest rate of 0.15 %. Further to illustrate Citibanks confusion, account XXXX opened XX/XX/XXXX has a consistent interest rate of 0.12 % rather than as INCORRECTLY pointed out by Citibank 0.08 % interest. 
Citibank intentionally didnt address the issue of the differences between the interest rates and especially the Citigold relationship managers repeated FAILURE to adjust the 3 discriminated accounts interest rate. Furthermore, to confuse and justify the failure, the banks responder added an account ( XXXX ) which was not originally mentioned in my complaint as it didnt have the same amount balance. 
2. As far as the rejection of the wire transfer and fees charged, Citibank didnt address the specific issue WHY MORE THAN 15 IDENTICAL PREVIOUS WIRE TRANSFERS WERE PROCESSED WITHOUT A GLITCH AND THE ONE IN DISCUSSION WASNT. All previous wires have the same beneficiary as the one rejected. I expect a reply to the point. 
3. In addition to the original complaint ( 2 above points ), on XX/XX/XXXX I requested by phone the my IRA XXXX for filing my taxes. Citibank which maintains my IRA account FAILED again to post the XXXX on the bank website together with the XXXX which is posted each year. As the promise to e-mail the XXXX was not fulfilled, further phone calls led to the bank to finally e-mail me a XXXX. After checking it, I realized that this reflects an incorrect withdrawal and there should be an additional XXXX. Further phone calls and aggravations lead to a burden of 10 irrelevant faxes until I finally got the second XXXX. It is absurd that one has to invest so much time and keep checking the bank for accurately delivering what they are obliged by law all XXXX for accounts held by a banks customer
Product: Credit reporting, credit repair services, or other personal consumer reports

All of this information came to light to me in XXXX when I attempted to get per-approved for a home loan. 
In XXXX of 2019 I was charged XXXX by XXXX XXXX XXXX. 
In XXXX upon receipt of the statement I discarded it as I thought I had cancelled the card and additionally I knew I did not owe them anything. 

In both XXXX and XXXX the same ... 

In XXXX I applied for pre-approval for a home loan. Upon the process discussion with the loan specialist, I was shocked as I regularly check my credit and I know 3 months ago it was well over 750! As the loan company stated, my credit was in the mid 650s due to the issue with XXXX XXXX XXXX, XXXX. The amount that XXXX  XXXX billed my account was {$6.00}!!!??? In addition XXXX charged two months of late fees! I immediately called them and of course got a bull XXXX statement about the Wuhan Virus and blah, blah ... we're swamped and you have to hold ... In addition to the calls I sent a note summarizing the experience which was returned by the bank as UN-deliverable which I resent a second time. After 10plus calls and randomly pressing numbers I actually got a hold of someone. I asked to speak to a supervisor and was told there weren't any available. So I explained my issues. I thought I DQ 'd the card and tossed the bills and as a solution I suggested letting me pay the entire bill and correct my credit score. They said they would take off all the charges but nothing that they could do about the credit. I said that they are preventing me from the opportunity to buy a home and what makes it worse is it is over {$6.00}!!! I continue to contact the credit agencies and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

American express is reporting inaccurate information on my report and have shared this information to an employer without my consent. They have removed these accounts from XXXX however have not removed it from XXXX and XXXX which is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed various items on my XXXX, XXXX, and Equifax credit report. These companies keep sending letters telling me the account were verified. 
I have sent more letters asking them to provide proof under my right to request proof but they have ignored my request and the information remains on all of my credit files.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account opened at XXXX  XXXX. on XX/XX/XXXXXXXX  Account number ( XXXX ) a credit card opened at at XXXX on XX/XX/XXXXXXXX  Account number ( XXXX ) a credit card Opened at XXXX XXXX XXXX  Account number ( XXXX ), credit card Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX  on XX/XX/XXXX Account number ( XXXX ) an credit card account opened at XXXX on XX/XX/XXXXXXXX  Account number XXXX XXXX XXXX XXXX XXXXn XX/XX/XXXX Account number XXXX, A credit card XXXX XXXX on XXXXXX/XX/XXXX account number ( XXXX ). A credit card account XXXX on XX/XX/XXXX Account number ( XXXX ). A bankruptcy public record account XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

On XX/XX/2023 {$270.00} was stolen from my Direct Express XXXX XXXX/On XX/XX/2023 the money was put back on. On XX/XX/2023 {$230.00} was stolen from my Direct Express XXXX card and I have been trying to reach direct express for 2 weeks and when I call they say we are going to transfer you and they hang up on me. Two companies from California stole XXXX XXXXXXXX XXXX XXXX and {$130.00} by XXXX XXXX XXXX XXXX, in XX/XX/2023, totaling XXXX XXXXXXXX both companies I have no knowledge of and did not authorize the transaction. I can not do a Fraud/Dispute Claim because Direct Express keep hanging up on me for the {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times over the past couple days to request my TransUnion credit report. Only after I submit all my information does the website state that it is experiencing technical difficulties and to call the number XXXX XXXX XXXX XXXX XXXX. The number is for requesting a report by phone or provides addresses to request my report by mail, but no assistance to their malfunctioning website. 

I was under the impression that the credit bureaus had to provided this information upon request, so far my requests are met with ubiquitous errors and vague phone trees.
Product: Credit reporting or other personal consumer reports

the company Affirm.com sent me a email telling me that i am not responsible for the {$4500.00} amount. I had filed a dispute with XXXX to have the debt removed from my credit report. and on XX/XX/year> XXXX  stated that the creditor said the information is accrucate. This the creditor and XXXX  has caused me to be denied loans because of this debt on my credit report.