23daVinci/CFPB_Complaints huggingface dataset:
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. 

AXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had false information on my credit report like address fraudulent information until they changed the address made account reporter accurate I have no knowledge of these accounts an they forced to make me pay a debt I have no knowledge of I requested everything dealing with this account never once received sign documents or writing agreement contract with XXXX XXXXXXXX sold my personal information to these companies illegally with notify me I never received any paperwork from XXXX XXXXXXXX about no debt or any Paperwork payment now another company trying collect debt to type of payment even the payment incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unfair. The following items are of concern : XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account Medical XXXX Collection Account I would like to request that you investigate these items and remove any inaccurate or incomplete information from my credit report. These items are negatively impacting my credit score and my ability to obtain credit. 

I believe that the XXXX XXXX XXXX XXXX account listed on my credit report is inaccurate. I have never had an account with this company and therefore, I would like it to be removed from my credit report. Additionally, the XXXX XXXX account and the XXXX XXXX account are inaccurate as I have already paid off these accounts. I have proof of payments and I would like to submit them to you for review. 

I would also like to request that you provide me with a copy of my credit report after any corrections have been made. I appreciate your attention to this matter and your prompt response in resolving these disputes. 
XXXX : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 

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

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$69000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXX requesting removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Product: Prepaid card

I tried to make online purchases from multiple websites using my American Express digital gift card, but it always failed. I ended up forgetting about the card for awhile and it expired on XX/XX/23. The cardholder agreement XXXX XXXX XXXX XXXX XXXX says the funds do not expire, and a new card will be issued if requested. I called today ( XX/XX/23 ) around XXXX XXXX, and was told that the balance was {$25.00} before the expiration, and now the balance is {$0.00} due to the card expiring and they will not issue a replacement card or reissue the funds to me.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Added a XXXX recipient " XXXX '' -- XXXX XXXX XXXX XX/XX/XXXX TRANSFER TO XXXX XXXX REF # XXXX ( via XXXX ) {$240.00} -- email used was : XXXX XX/XX/XXXX Amount not received by XXXX XX/XX/XXXX Talked to XXXX XXXX banker " XXXX '' at XXXX XXXX Branch He noticed that XXXX had not registered for XXXX with her email yet. Sent instructions via email to XXXX on how to register with XXXX and asked her to do so. XX/XX/XXXX XXXX still has not recived the {$240.00} in her account Added XXXX recipient " XXXX '' -- XXXX XXXX ( XXXX 's husband ) TRANSFER TO XXXX XXXX ON XX/XX/XXXX XXXX # XXXX ( via XXXX ) -- email used was : XXXX XX/XX/XXXX XXXX XXXX received the amount in their account ( same account as XXXX ) {$240.00} XX/XX/XXXX Talked to XXXX XXXX banker " XXXX '' XXXX checked both of our accounts -- XXXX 's email was still NOT registered with XXXX -- XX/XX/XXXX Our account showed a payment of {$240.00} to XXXX -- XX/XX/XXXX Our account showed that the payment was delivered to some XXXX   account ( not XXXX 's ) -- XX/XX/XXXX XXXX XXXX & XXXX 's account show NO payment received on XX/XX/XXXX. -- XX/XX/XXXX XXXX XXXX & XXXX 's account show the payment ( {$240.00} ) received. ( sent on XX/XX/XXXX ) XX/XX/XXXX After almost 3 weeks of original XXXX payment, the amount that should have been returned to us within 10 days of No Delivery is still no where to be found. XX/XX/XXXX XXXX claim case opened : XXXX XX/XX/XXXX XXXX claim case closed : They claim the amount was successfully delivered and a token was successfully issued and there is nothing they can do now ( but they do not disclose to WHOM it was delivered ) The question is : If XXXX 's email is not registered with XXXX ( as XXXX XXXX has verified ), then where did the original amount of {$240.00} go -- it was taken from our account but not received by the intended recipient ( both facts verified by XXXX XXXX including the intended recipient 's email address, so no confusion about the email address either ), then where did it go and why are they not refunding us?? XXXX XXXX XXXX have no other bank account. XXXX also called XXXX XXXX & XXXX, but they could not help him either to track down the missing payment. XX/XX/XXXX -- XX/XX/XXXX Went back & forth with the XXXX XXXX banker " XXXX ''. He opened a new case : XXXX with their Executive Resolution Team, who  took 2 weeks to look into this. In the end the case was closed because XXXX won't expose the account # the amount was deposited to. XXXX gave up and agreed we go through the Legal Route.
Product: Checking or savings account

On XX/XX/XXXX, I initiated a {$4000.00} deposit to Chase to pay my bills. Chase decided to put that " on hold '' until XX/XX/XXXX, nearly 2 full weeks later. I called XXXX ( the sourcing institution ), and they said the transaction had " completely cleared '' by XX/XX/2010 full days before Chase will release my money. 

Chase has already charged me multiple {$34.00} fees, sometimes on the same transaction. I also was charged returned check fees from the bills that were supposed to be paid successfully. 

I've reached out to the company 3 times now asking for a way to resolve this, so that I am not racking up more and more fees, and they have not given me any path to resolution. Their only suggestion has been to set up a Chase savings account and throw even more money at them ( even though they *already* have {$4000.00} of my money that I can no longer get to, and have no reassurance that any other deposits will not likewise be frozen ). 

Chase currently can freeze transactions if they think they might be at risk of losing money due to fraud. However, they continue to charge consumers fees during this time period. 

This makes no sense as it's not to protect the consumer. No consumer is in danger of a rogue deposit, especially one they initiated. This is for Chase 's benefit, and Chase 's alone. Chase is charging the consumer for processes that they *choose* to perform to reduce their own risk costs. 

Even worse, this process is completely opaque to the consumer. Chase will not even tell me what caused it, referring to these matters as " confidential '' ( even though they involve a deposit from one of my accounts into another ). As such, is impossible for a consumer to prevent this from happening. 

Consumers are left in a state where their only choice is to constantly be carrying a significant extra balance in their accounts, as any deposit could be frozen at any time. I'm sure Chase loves this side effect ( as they reiterated several times how this was necessary to prevent it ), but that should not be a requirement for consumers to bank with them.
Product: Money transfer, virtual currency, or money service

Gemini Trust Co. has been freezing my account and other customers as well with no explanation, essentially seizing my funds. They give no explanation as to why they do this. 

The freezing never occurs when depositing fiat money into Gemini, they seem to never have a problem accepting your money. it occurs the moment you attempt to buy, transfer or sell anything after the money has been deposited into Gemini. 

You do not have an option to withdraw your currency in any capacity once they freeze your account. 

There has been no fraudulent activity nor have I done anything outside of Gemini 's term or conditions to merit this. 

I have everything documented which clearly shows they have a pattern of behavior which warrants a closer look. 

I am not accusing Gemini of being a fraudulent company but they will need to seriously address this problem which is not limited to just me but many others. 

There have very little, to no customer support. You submit a ticket via their support page and hope to get an automated message or an answer days, weeks sometimes even months from what I've seen other complaints show. 

The first time they froze my account was on XX/XX/2021 for 4 days which I have the entire paper trail for, as much as I asked for one, I was not given an explanation. XX/XX/XXXX They unfroze my account and basically said " you can use the account again ''. That was it. No apologies, nothing assuring me that this wouldn't happen again. 

It happened again today. XX/XX/2021. 

I gave them a second chance because I thought Gemini was a legitimate company. I'm not sure what to think now. I really did not want to have to take it this far but no company should have the ability to sieze your money with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

This is todays follow up to the following cases : 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  ; From your most recent messages ( attached ) it is clear the Experian lacks an understanding of the full scope of its legal obligations. It would also appear that Experian continues to initiate disputes on behalf of consumers not only without their knowledge or consent but even against the consumers demand Experian not do so. 

Experian 's obligations are not limited to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act. In fact Section 611 ( 2 ) ( 3 ) ( A ) has no relevance to the matter of concern, as it pertains to " Frivolous Disputes '' and the present pertains to information that has been reported to be the result of identity theft. Section 605B is the appropriate portion of the FCRA which outlines Experian 's duties, which include " ( 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, not later than 4 business days ... '' This matter was first brought to Experian 's attention on XX/XX/, thus it had until XX/XX/XXXX  at the very latest to block the information and it did not and still has not. This means that each and every day from XX/XX/XXXX  through today and continuing until Experian fulfills its legal obligation, it has and will continue to cause me to suffer irreparable harm, including but not limited to severe injuries to my mental and emotional health, extreme and undue hardship including causing me to become homeless since you have been informing prospective landlords and creditors that I am a substantial risk, when I am not, and obstruction of my businesses ability to gain the credit needed to sustain. 

Even if Experian clams to be ignorant of all its obligations outlined in the FCRA, including those which are detailed above, it still would not absolve you of liability for the destruction you have done. When I get behind the wheel of a vehicle, my ignorance of a traffic law doesn't make me not guilty when I get ticketed and found guilty of violating said law, because I have an obligation to understand all that is legally required of me before I can drive. The same goes for Experian. From the day Experian become a credit reporting agency, it became responsible for the legal obligations of such an entity, regardless of how aware or not it might have been of them.
Product: Debt collection

Spoke to HUNTER WARFIELD about making possible payment arrangements. Prior to the pandemic - we had made a total payment amount of XXXX. When I spoke to them back in XXXX - I was told my balance was approximately 1300.00. they wanted the amount paid in full. I told them I was out of work and couldn't pay that due to the pandemic. we ended the call with them still asking for the full amount. Fast forward to XX/XX/2020. I was told I owe XXXX! I asked for payment arrangements of XXXX per month. she said she would ask her manager BUT please be advised I would have to pay a XXXX processing fee PER payment they process. I asked if I could mail the payment in to avoid the fee. I was told NO - If I mail it in - that is not considered a payment arrangement. I was given no other choice to avoid the XXXX fee. If I was to pay XXXX dollars a month on the wrong amount of XXXX that would be an extra XXXX dollars just to process payments. 
I feel like this is unfair collection practices by not giving ME the consumer an option. Additionally - my balance has been inflated by XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute an collection account with Caine & Weiner. I do not have a contract with this company so they should not be reporting to the credit bureau. I have tried to logon to my XXXX account and have been unsuccessful in doing so. It is telling me that my logon information is not correct and I have been using the same email account for years.
Product: Credit card or prepaid card

This card offers a XXXX Membership Rewards points bonus if I spent {$15000.00} in 92 days. Before that time period was up, I called to confirm that I spent the required amount and was told I had. I have not received the points and have called many times to resolve it. Their response is that someone internally will have to review the phone calls and I should hear back from them within a week. I never hear back. This has happened numerous times and there is no contact watsoever from American Express. The newest representative always says that the issue is still pending. It's been about four months with no resolution.
Product: Credit card or prepaid card

My balance at the beginning of my statement date of XX/XX/XXXX was {$6300.00}. I made ~ {$700.00} in additional purchases and paid {$6900.00} of my {$7000.00} balance. I had a balance at the end of the statement period ( XX/XX/XXXX ) of {$660.00} and was charged {$62.00} in interest. I called Discover to discuss and was told that my interest charges are calculated at the end of the billing cycle and that they are based upon purchases made during the open billing cycle. I was charged interest on purchases that I had already paid off in the same billing cycle. I should have only been charged interest on my closing statement balance of {$660.00}. The woman I spoke to said that i was charged interest based upon an account balance of ~ {$3400.00} which makes even less sense because my balance was either double that or 80 % less than that amount. They are charging me interest on purchases that were paid off in the same billing cycle which is predatory. When I look into previous statements, I am only charged interest on the balance of the credit account when the statement closes. For example, in XX/XX/XXXX-XX/XX/XXXX statement, I had a balance of {$6300.00} on XX/XX/XXXX and was charged {$120.00} in interest. This equates to my annual rate of ~21 % APR. If I do the same assessment of my XX/XX/XXXX - XX/XX/XXXX bill, I was charged {$62.00} on a closing balance of {$660.00} which equates to a ~113 % APR. This is unacceptable. The account representative told me simply that I was incorrect and that interest acrues on balances daily even if those balances are paid off. This is not clearly described anywhere on their website nor does it appear to match with what has happened on my account at any point in the past. I have always been told by Discover that I am only charged interest on the closing account balance at the end of the statement period.
Product: Mortgage

I have been trying to secure a loan modification with bank of America with a payment I can afford. On XXXX XXXX we spoke with a representative XXXX XXXX XXXX. I requested on several occasions to speak with XXXX XXXX XXXX, XXXX. I was repeatedly fused the opportunity to speak with her. I have made several request to speak with a Senior Vice President who will have the access to the correct information regarding my file.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 
Account : XXXX, Amount {$5600.00}, Acct # XXXX Account : XXXX XXXX, XXXX {$20000.00}, Acct # XXXX Account : XXXX, Amount {$0.00}, Acct # XXXX Account : XXXX, Amount {$18000.00}, Acct # XXXX Account : XXXX, Amount {$1000.00}, Acct # XXXX Account : XXXX, Amount {$30000.00}, Acct # XXXX Heres the list with only the account names and dates, with credit bureau names and other information removed : 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 XXXX  XXXX. XXXX - XX/XX/XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute information that XXXX XXXX XXXX Credit Card supplied to XXXX, Equifax Information Services, LLC, and XXXX  XXXX XXXX. 

Retailer account at XXXX XXXX XXXX Credit Card is discriminatory in their unwillingness to grant a goodwill removal for an accidental late payment on an account that was otherwise in satisfactory standing since origination. The account balance was paid in total and automatic payment was enabled to prevent any future delinquency. 

Additionally, a past due email notification that a payment was due or past due was not provided. After reviewing email correspondence received in this matter, I found that XXXX XXXX  ceased to provide automated payment due date notifications after XX/XX/XXXX without myself submitting any changes to the delivery notification settings that were previously enabled. I had not missed any payment deadlines in the past. 

When XXXX XXXX  attempted to contact me by phone to collect an outstanding payment, all incoming calls from their company were reflected as a spam caller. 

I've explained that this mishap has occurred at a time where I am applying for mortgage financing and they have been unreasonable in multiple requests for goodwill accommodation. This is in staunch contrast to what I was led to expect from a customer service representative over the phone in this regard. 

I am requesting that XXXX XXXX XXXX Credit Card have the late payment history removed from all three credit bureaus, which was reported on or around XX/XX/XXXX. 

Please investigate this matter and delete the disputed item ( s ) as soon as possible, to reflect that my account has been paid as agreed.