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

this account XXXX XXXX XXXX XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed
Product: Prepaid card

I received a pre-paid Mastercard gift card for my birthday. Right away I had trouble using this card. There was a balance on the card for XXXX. I was able to use one purchase at a fast-food chain ( XXXX XXXX XXXX ) for approximately {$24.00}. Soon after when I tried to use card again there were 2 fraudulent unauthorized purchases made at a XXXX store for approximately XXXX dollars that used all remaining balance. These cards are issued at Kroger stores affiliated with XXXXXXXX XXXX XXXX. The official issuing bank is US bank, and the gift card is prepaidgiftcardbalance.com. I have contacted the company and did research online in regard to these specific gift cards and it appears there are hundreds of consumer reviews complaining about same thing. I have a case number # XXXX however, every time I call to follow up, I feel nothing is done and says, " it is still being investigated. '' This card has since been cancelled and I was originally told once investigation is complete, I would be issued another card and balance refunded. However, based on all poor reviews do not have much faith in this company and would like to have assistance to help resolve issue.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have late payments showing in the payment history of XXXX accounts. These accounts have been reporting these late payments for a long time. I have never been late on any of my payments on any account.. Please update the payment dates for each account to paid on time, paid as agreed, never late in the payment history. ( XXXX XXXX XXXX and, XXXX )
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items. It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate, corrected and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX CT XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXXXXXX Balance Owed : {$900.00} XXXX  XXXX Bankruptcy Reference # XXXX XXXX  XXXX Bankruptcy Reference # XXXXXXXX XXXX XXXX Inquiry Date XX/XX/year>
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I started a application with Discovery Home Loan on or about XXXX for a home loan for home improvements. All my personal data along with my wife personal data was retrieved by several Agents that wrongfully submitted application after application. This was a systemic XXXX process to deny my application when I was approved, but when these other applications being submitted without my acknowledgment caused my initial approved application to become voided. Several agents in several states maliciously with knowing information intent to discredit and deny my loan application. I have several names and documents to support my allegations. This type of systemic discrimination and bureaucratic racism is long over-due as to being CORRECTED...
Product: Money transfer, virtual currency, or money service

I received a phone call from a telemarketer stating that they were able to help me with my student loans. Because I have been trying to get rid of them I willingly listened and was then transferred over to AmeriTech Financial. The associate, XXXX XXXX came on the line and explained that they helped with reduction and with loan forgiveness of student loans. I know about the forgiveness of loans program and have been trying to get involved with it for quite a while now. 

He had me on the phone for over an hour and all the information that he gave me was improper, though he continued to state that he was on the federal government site and this is what they had for me. 

He sent me a disclosure form to sign so that he could look at my information on the Government Database and asked me to read off the 6 digit number that he sent to me so he could look at my info on the federal government site. No where in his disclosure does he state that he is accessing my personal account with Navient and changing my information on that account. 

After I was off the phone with him, I received an email from XXXX that my username and password was changed. I never gave AmeriTech Financial permission to pull up my XXXX account or change my username or password. I never gave AmeriTech Financial my user name for my XXXX Account and only read them off a 6 digit number that they advised over the phone would give them access to look at my info online and that was me giving them permission to look at the national database. 

I did call the company back as I was upset that I spent all the time I spent on the phone with them for him to want to increase my loan by an additional 10 years so that I can receive a reduced payment of {$70.00} and have $ XXXX off the total of the loan. I complained to a manager who had a solution of putting me on the DO NOT CALL list and that what they do is perfectly fine and many people have many positive solutions, I just didnt have one with them because of my situation.
Product: Debt collection

On Thursday, XX/XX/XXXX, I was contacted by phone by Wakefield & Associates about a supposed outstanding medical debt. The problems are, I hadn't had any medical treatments in the year for which they were attempting to collect, I have full health coverage ( so I would owe nothing if I HAD had any treatment ), and I check my credit frequently and have seen no outstanding debts. They also called my wife but I had told her about the scam so she ended the call quickly. I believe the business is fraudulently attempting to collect non-existent debts, and there are many XXXX reviews stating the same. 
The address for the business is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX
Product: Credit card or prepaid card

comenity bank is extorting me on false debt claims from XXXX, XXXX ( XXXX ), and other accounts- which only went red because of an unlawful eviction. The lawyer refused to clear my name until recently, unbeknowst to me- which is more critical than overextending credit lines- and being made homeless, unable to rent and pay any bills. companies like this- which now manipulate the market are extorting consumers- and denying credit- for healthcare, and petcare- leaving us- and our best friends- to die. THEY WILL NOT CORRECT THE PROBLEM. DEBTS ARE CHALLENGED AS OF SEVERAL YEARS AGO- companies refuse to settle, claim not collecting- then harass beyond debt sol.
Product: Credit card or prepaid card

Note : This request pertains to  Citibank  Credit Card Services, the provider and agent of my monthly recurring charge for the company listed in this complai nt (   XXXX  ) and which appears on my monthly billing statement. I am asking a response from Citibank, not the  XXXX  in particular to avoid any confusion through this form submission.     Complaint There are two separate issues related to this Citibank credit card account for the same vendor, the  XXXX .  One  is related to chargebacks, the other concerns recurring monthly subscription payments for the  XXXX  that were cancelled by  Citibank without consent resulting in untimely collection calls from the vendor. The cancellation of the monthly recurring payment on my Citibank  credit card was not made by me since there was no interest in cancelling the  XXXX  membership. I have attached a letter to this inquiry due to space limitations on this form. Please see attached letter. The file : CFPB - Citibank
Product: Credit card or prepaid card

Unsatisfactory and damaging services were charged to my credit card by XXXX on XX/XX/2020 and they were notified immediately. A dispute was filed with SunTrust, my credit card, and their ruling of XX/XX/XXXX appears to have nothing to do with the protest filed. See letter recently sent SunTrust dated XX/XX/XXXX with documentation.
Product: Credit card

From HSBC transaction notification, I discovered an unauthorized transaction on my HSBC credit card ending in XXXX. The transaction took place on XX/XX/year>, at XXXX ( XXXX time ) for an amount of XXXX XXXX  pounds. I am reporting this as fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the inquiries that are erroneous in my file and need investigation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was sent an unsolicited mailer for a loan for debt consolidation, I contacted the company for the " pre-approved loan '' on XX/XX/2019 and when contacted the " pre-approved loan '' was denied due to income to debt ration ( this was a debt consolidation loan ) then they immediately tried to sell me on a debt relief program from their " parent company '' XXXX XXXX. When I asked for the terms to be sent to me for review " XXXX '' the " Director of Underwriiting ''  said they do not do that. Now I am no lawyer but if you are asking someone to enter into a contract, which this is, you are REQUIRED to provide written documentation, ie terms of service, terms of contract ETC.. When I asked XXXX, his response was along the lines you either listen and agree to them or we dont do business. Now if this is a financial contract those terms MUST be  made available in writing for my review and the review of legal counsel if I so choose. Yet that was denied to me due to the fact their " policy '' doesnt allow it. 

Also I am curious as to how they new my payment amounts and current debt level BEFORE I contacted them as seen on the unsolicited mailer they sent.. To my understanding that information is not public and if sold to them or pulled by them with out my permission is illegal as well.
Product: Debt collection

XXXX JP. MORGAN IS REPORTING THIS DEBT ON MY CREDIT REPORT
Product: Debt collection

I disputed an account that was fraudulently opened with XXXX XXXX that is being actively collected by Ad Astra Recovery Services collection agency. Ad Astra Recovery Services is negatively reporting an amount of {$2400.00} that I do not owe on my credit report. I have contacted XXXX XXXX and was advised the amount is no longer owed. Ad Astra Recovery Services are still attempting to collect a debt that is not owed. This company is violating the Fair Reporting Act by reporting inaccurate information that has not been verified. This company needs to be held accountable as Im sure Im not the only consumer affected by this negative credit reporting.
Product: Mortgage

I have not been communicated with properly or consistently. There have been no type of loss mitigation solutions offered. I am looking for resolution to move forward with a short sale as soon as possible. 

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

I noticed that Equifax hasn't removed my bankruptcy from my credit report it's been 2 years I want it removed it should have been after 1 year. I submitted a dispute but it's still showing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an car I was told they would only pull from XXXX  now I have 16 inquiries XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This complaint is for the multiple late payments found on my credit report as of XX/XX/2024. 

According to 15 USC 1681a Exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transaction -Transaction 1 : something transacted : an exchange or transfer of goods, services, or funds Therefore reporting transaction history such as late payments are illegal. 

These transactions have reported on my accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. 

15 USC 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. '' XXXX, Experian, & XXXX are NOT maintaining reasonable procedures. Furthermore 12 CFR 1016.7 states that " A consumer may exercise the right to OPT-OUT at anytime. '' Once again I am OPTING OUT of your reporting services for violations listed above. 


NOTE : This is my 3rd complaint addressing these issues and nothing has changed. These transactions are damaging my credit score and affecting my life.
Product: Debt collection

I started receiving harassing calls from this number about 6 months ago. When I finally decided to try and talk to the person on the phone they told me I had a debt in collection is excess of {$500.00}. I have medical insurance and have not had any major medical costs so that number seemed unlikely even if I had missed a bill. After arguing with the person on the phone for about 20 minutes, they said there had been a mistake on my account and they were billing me twice, so my debt was actually only half of the original amount so if Id like to pay now that would be great. My radar went way up- scam? I asked for more information on the origin of the debt and the information they gave me was useless- I couldnt get enough information to call the doctors office and confirm that I had indeed missed the payment. The next time the callled I asked for a paper document itemizing the debt. They sent me a letter with no real information on it- original debt? Interest charged? Creditor name? On the letter they gave me a website I could go to and pay my debt. When I try to log in, given the log in information that gave me, it says that my account could not be located. So now, Im sure I am accruing more interest because I will not give my cc over the phone and I can not log in to the portal provided. I still can to figure out the doctors office that it is coming from either.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2016 {$450.00} {$450.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This debt has been sold so many times and nobody can validate it for me and I can ; t keep up with what collection company it is at half the time. 
I do n't believe its mine either.
Product: Checking or savings account

I have had a Marcus by Goldman Sachs savings account for many years. I have never over drawn or caused any issue. On XXXX XXXX, at marcus.com, I used XXXX ' XXXX ach eft system to transfer to XXXX from my Iinked external savings account at XXXX XXXX {$100000.00}. Transfer completed and all funds were clearly stated as available after the stated 7 day hold. I then submitted, using the same XXXX ach eft system at marcus.com, the same type of transfer out of XXXX to my linked external savings account at connexus fcu. I have done these same type of transfers on an occasional basis over the years with no problem. At approximately XXXX mst on XXXX 2024, I received a call from XXXX rep XXXX XXXX he XXXX reversed the transfer. After his lengthy and undocumented reasoning for reversing my transfer, I spoke to a supervisor. They said my {$100000.00} could only be ach eft transferred back to XXXX XXXX or after 6 months at XXXX, could be transferred elsewhere. I asked where these requirements were stated on marcus.com. They said the deposit disclosure agreement ( dda ). After rereading all of the XXXX and faqs and finding NOTHING REGARDING limitations on which external linked bank accout I transferred to ( except that it was in my name, and it is ). 
I called on XXXX and received a call back as I requested, from supervisor XXXX. I asked her to tell me where I could find these rules. After waiting lengthy hold times, her best result was paragraph g on pages XXXX and XXXX. To paraphrase, it states XXXX with a Gift or debit card is not allowed, which I do not have and was not using. The {$100000.00} left XXXX savings on XXXX and were back in XXXX. Both supervisors stated on recorded calls, I would earn XXXX interest ( then at XXXX ) for XXXX as well as all days the {$100000.00} was in my XXXX savings. I am requesting I am allowed to transfer my available {$100000.00} to my linked XXXX credit union savings. Once there, my {$100000.00} willbe at XXXX apy. I also want this additional interest of XXXX - XXXX ' apy for XXXX thru the date when my {$100000.00} leaves XXXX to go to connexus.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX-acct # XXXX ( {$3000.00} ), Capital one-acct # XXXX ( {$380.00} ), XXXX XXXX-acct # XXXX XXXX {$370.00} ), SXXXX XXXX XXXX XXXX  -acct # XXXX ( {$130.00} ), XXXX-acct # XXXX ( {$4900.00} ), XXXX XXXX XXXXacct # XXXX ( {$390.00} ), XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX ( {$110.00} ) I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I have attempted to contact this company via e-mail and phone calls. Each attempt has resulted in an unsuccessful resolution. I have received another notice stating that my taxes are due. The amount of taxes due are a lot less than anticipated. I have sent an updated tax bill, but they have not updated their information. This is unfortunately the only way I can get any resolution from this company. I have attached a copy of the taxes due and am requesting this bill be paid. I would also like my escrow amount billed monthly to be readjusted to reflect the actual tax bill. It is significantly less.