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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX acct # 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 XXXXXXXX public record chid support docket # XXXX list of accout review inquiries. 3 hard inquiris on dates XX/XX/2021, XX/XX/2021, XX/XX/2021. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimea which antedates the report more than 7 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: Checking or savings account

My name is XXXX XXXX and I have a checking account with Citi bank they have a freeze on my account and will not let me access my funds because they said there is suspicious activity. They said they can't verify my phone number and it isn't under my name. I have given them XXXX phone number that is mine and only in my name and another which I have used for more than 10 years which is under my sister 's. She called and had my number caller id to show my name with her provider. They also said they would send me a letter via the USPS to verify my identity I would receive it in XXXX business days. That was on XX/XX/2021. I called last week as I had not received the letter they stated they mailed out another letter. I called today XX/XX/XXXX and was told that the letter was not sent to the address I opened my account with but to the address provided to them by the company that they use to verify identies. I have offered to send them a copy of my driver 's license, social Security card, birth certificate, voter registration card, they can call social security where my deposit comes from. They can call the wireless provider where I have my phone account through as well as call another bank that I have a checking account through. They said the only way they can verify my account is to wait for the letter in the USPS which is not coming to my current address. I have lost my storage as well as not being able to get my XXXX medicine due to this. I don't know where to go from here.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX/ XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency ma y 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: Payday loan, title loan, or personal loan

I learned yesterday that this company is not licensed to operate in my state. Researching what to do about this, I found that WA residents are owed a refund on these loans past the principal amount. This company owes me {$840.00} in refunds after I have paid {$1600.00} on an {$850.00} loan. I revoked ACH authorization with both the company and my bank, and asked that they refund my money, pursuant to the law of the state they were doing business in. They have declined. I want my refund of these fees that I am entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is: XXXX XXXX XXXX XXXX,Ohio XXXX1. Please remove any telephone number thats not XXXX.Please delete the following addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,oh XXXX XXXX XXXX XXXX XXXX,ohio XXXX
Product: Credit card or prepaid card

In or about XXXX I opened a XXXX XXXX XXXX # XXXX at a XXXX XXXX store located at XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX. I purchased tires and I continued getting my car serviced all charged to my XXXX XXXX XXXX XXXX ( which is managed by Citibank. The XXXX XXXX XXXX always honored the XXXX promotions, discounts etc. 
on XX/XX/XXXX I purchased a battery from the same store with the same card ( 2-yeaXXXX warranty ), it was to my surprise when I got the receipt, the store is now called XXXX XXXX but still honors my XXXX card the same as before. please see receipt attached. 
I moved to XXXX XXXX in XXXX and naturally I wanted to find the nearest XXXX XXXX store that would honor my card the same way, which I did, it is located on XXXX XXXX XXXX XXXX, XXXX XXXX fl XXXX ( XXXX ) XXXX. The XXXX XXXX sign was and still is on their building. 
I continued to use them the same way as the other store with the same credit XXXX honoring the same promotions and discounts for tires, oil change etc. sometime in this period they changed their name to " XXXX XXXX XXXX '' please see copy attached. remained to treat my XXXX the same way as before. All apply. 
on XX/XX/XXXX my car would not start, I had it jumped and I took to my XXXX / XXXX XXXX tires store. They checked my battery and found out it is 50 % dead and it needs to be replaced. 
I was shocked because I bought it with 2 years warranty from the same company " XXXX '' .. the extra 3 weeks extra from the time f purchase I was out of town and it is not enough time to cause a 2 years battery to be 50 % empty. XXXX XXXX XXXX replaced the battery and told me if I bring the receipt of my original purchase, he would refund my money. I did come back with my receipt from XXXX XXXX XXXX. At such time Goodyear/Action gator tire refused to refund me the money claiming XXXX XXXX is not part of their network. I contacted XXXX and that was a night a mare, I also contacted Citibank that I make my payments to on my XXXX credit card.
Product: Checking or savings account

on XX/XX/2019 I received a cashier 's check from someone I had sold an item to. The check was for {$1800.00}, this included fees to pay the movers to pick up the item as well as the cost of the item. I did not release the items sold because I wanted to verify payment was legitimate. I went into Chase Bank, located at XXXX XXXX XXXX, XXXX, CA XXXX, to deposit the check. The bank teller ( name not remembered ) informed me the check looked legitimate and accepted it. On XX/XX/2019, I reviewed my Chase bank account and discovered the funds were available in my account. Based on the funds being available, I called Chase Bank and spoke with a bank representative ( on a recorded line ) to double check the funds were available in the account. They assured me the funds were there and it was okay for me to pay movers and have them pick up the sold items. Based on their confirmation and assurance, I submitted an online transaction via XXXX in the amount of {$1100.00} for movers to pick up the item. On XX/XX/XXXX I received an email informing me that {$1800.00} I deposited on XX/XX/2019 was returned. Due to this information, I went to Chase bank, located in XXXX, to discuss the situation and they informed me that I had been a victim of a scam and lost {$1100.00}. Together, we called Chase support to open a fraudulent claim and spoke with XXXX XXXX ( refused to give her last name ) who informed us they were not willing to reimburse us the money we lost due to fraud. I believe Chase Bank is responsible and should refund me {$1100.00} due to me depositing a check through a teller and them not spotting a fraudulent check, calling them to confirm funds were available and their assurance it was a safe transaction to proceed via an online service that they offer.
Product: Credit reporting or other personal consumer reports

Today, I found inaccurate accounts on my credit report without any apparent reason. While doing my regular check, I noticed these unexpected discrepancies. Refreshing my browser didn't resolve the issue, and the wrong accounts stayed. Therefore, I am requesting a thorough review of the documents I've provided to ensure I don't have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, I found out that XXXX was reporting a collection on my credit report for an account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I called them and their fraud department and they advised me that they did not show any accounts under my name that were in collections or delinquent as I currently have XXXX XXXX and residential services. I disputed this with XXXX XXXX and it is still showing on my credit report and does not provide any information as to an account, amount owed, etc. It simply states paid and closed via consumer 's request. This is all inaccurate. I have been living at my current address since XX/XX/XXXX and have had no issues with XXXX besides this. XXXX XXXX Current address is XXXX XXXX XXXX, XXXX MD XXXX
Product: Debt collection

XXXX-17 XXXX XXXX called my place of work to contact me, and then tries to get information from me for my bank acct, to draw money from bank account. Then also wanting other personal information. Told them I need to go due to having to go to afternoon duty, then start arguing and demanding things. Told them I would call back in morning which I did and told supervisor exactly what I could do, then he begins arguing and saying things, also told him not to contact me at work any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each of the following companies called and told them to remove from credit report also mailed letters ask them to send me copys of my signature on a credit app asking for credit with no results each one is listed below 1/. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX sc XXXX phone. XXXX This one is fraud never heard off them or did get credit from them need removed N 2. /. Same problem as above XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX 3/. Same as above XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX va XXXX Phone XXXX N 4/. Same as above XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX Phone XXXX The following were secured cards that took deposits from me i of XXXX each and charged card fee and yearly fees contacted them also by phone and mail with no results they would not return my money after term so I cancelled the cards and they filed profit and loss on there taxes as write off and need them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX phone XXXX XXXX XXXX XXXX  XXXX XXXX wi XXXX phone XXXX The following two never heard off them just appeared on report need them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX Thank you for youre help I am trying to get a house I take care of my parents that are XXXX and XXXX been married for 70 years father is XXXX XXXX XXXX veteran
Product: Credit card

Citibank has promised its Citi/AAdvantage Executive XXXX XXXX XXXX XXXX which has a high annual fee, that we the consumers, would get a monthly credit of XXXX dollars a month if we used this card at XXXX We have used our card at XXXX every month and the Citibank has not reimbursed us the credits for our transactions. Some which have been over two billing cycles. This is deceptive and false marketing. 

Example XX/XX/year>XXXX XXXX XXXXXXXX NY XXXX Account Number {$11.00} I should have gotten a credit for XXXX dollars for this transaction. That is not the case. This has happened for the months of XXXX, XXXX, XXXX. 

On top of this citibank doesn't reimburse these credits for over a month, when they do pay for these credits ( which is rare ) Seems to me they are hoping the consumers auto pay will pay for the transaction. This is very misleading and makes the consumer pay for something that the company says they cover in the credit card benefits and violates their terms and conditions.
Product: Credit reporting or other personal consumer reports

Re : FINAL NOTICE OF METRO 2 NON-COMPLIANCE IMMEDIATE ACTION REQUIRED Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Representative, I am formally disputing the inaccurate and non-compliant reporting of the accounts listed above.

Your failure to maintain accurate, complete, and consistent data constitutes a clear violation of 611 of the FCRA and Metro 2 standards. These errors must be corrected immediately to avoid further action. 
Violations Summary XXXX. XXXX o Account shows as open with delinquent status but marked closed by TransUnion. Reporting late payments ( 30-day ) post-closure violates Metro 2 guidelines.

2. XXXX o Inconsistent last activity dates between bureaus. Reporting 90-day late payments on an open account with a {$0.00} balance is misleading and non-compliant. 
XXXX. XXXX XXXX o 60-day delinquency reported despite account being listed as closed by the credit grantor. Data inconsistency across bureaus violates FCRA requirements for accurate reporting
Product: Credit reporting or other personal consumer reports

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

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




XXXXXXXX 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 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

I received an AMEX eGift Card for {$250.00} in XX/XX/XXXX. It took me a year to find a web site that would accept this gift card as payment ( wayfair.com. ) It got rejected on numerous other sites because the billing information could not be matched up to any info on the eGift Card ( this was confirmed by a rep at XXXX XXXX online. ) Also not a single in person store could use it because there is no code for them to scan. I also spoke to someone at XXXX who said to convert the card to an XXXX gift card to use on there. This only worked for two amounts of {$25.00} each and then XXXX began rejecting it. There is now {$33.00} remaining on this card as XXXX has rejected my attempts to buy another {$25.00} gift card. 

I have since received another AMEX eGift Card for {$250.00} in XX/XX/XXXX. From my experience last year cited above, I KNOW this card will be rejected everywhere. I purchased ONE XXXX gift card for {$25.00} with this card. Subsequent attempts to buy/convert more gift cards were rejected. The balance on this card is now {$220.00}. 

The AMEX site clearly confirms my Egift cards and the balances but the phone number is strictly automated and unhelpful. I also read the details on the AMEX web site because I'd like to at least be able to pay my own AMEX bill with this card - but the fine print states that is not possible. It's really ridiculous and I'd like to cash in my balances. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX and XXXX XXXX pulled my credit without my authorization on XXXX, Experian, and XXXX and shows up as hard pulls, I didnt request this. Also on XX/XX/2024 XXXX XXXX XXXX XXXX pulled my credit without my authorization on XXXX, Experian, and XXXX and shows up as hard pulls, I didnt request this.
Product: Student loan

Sallie Mae has over 3 accounts showing closed on my cras with incorrect payment records that are adversely affecting my credit scores during a pandemic. The CARES ACT was supposed to help but sallie Mae refuses to remove the old closed accounts or remove the late payment statuses
Product: Mortgage

In Approximately XXXX of 2020 my Mortgage Servicing co. Fay Servicing Offered me a forbearance due to the Pandemic and loss of income as my job put a group of us in standby status. No work, no pay. They refused a deferment said it was for veterans only. Didn't let me start paying current amount and defer the late payments. Wouldn't let me refinance either. The forbearance was two 6 months terms which was a year. At the end still refused to refinance and told me 3 to4 different stories about refinancing. One was 3 months into the mod, next 6 months into mod last 1 yr into mod before I can refinance, Although they said and the paperwork said that refinance was one of the options from the start they told me and the beginning of the mod that they didn't offer me a refinance was because i didn't ask for one. That was so untrue. Halfway through the mod trial period, which I had no choice but to accept, they threatened me with foreclosure. I called they said that the letter was a formality, not to worry they do that until the final trial payment is paid. Again, they refuse refinancing, so I started looking on my own and when they found out they sold my loan to XXXX XXXX. XXXX said they had no record of the loan. It.s has taken until today and we still have no resolution because XXXX is saying the mod have changed but they don't know what to or why. They said they are launching an investigation but there actions are somewhat suspect also for accepting a questionable mortgage and never calling me about the mortgage but now tells me its in-foreclosure status because for 3 months they can't accept payments because something has changed and they don't know what or why, yet they want proof from me that payments were made even though they said the can see the payments were made. Its a ploy to get me behind and then try to take my home because the games they are playing. It's deplorable and need to stop. The stress and expense I am going through haven taken a toll and I want it stopped, corrected and compensated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5.  Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXXXXXX XXXX XXXX XXXX I was offered a Saks Fifth Avenue Credit Card at the register. My purchase was significant amount so I accepted. I was offered a 10 % discount if I applied for the card. I gave the clerk all my information accurately. Then she took photos of my license. She said that they could not verify my identity and the company was going to send me a letter in 10 days. I paid with a different credit card. On Monday XX/XX/XXXX, I started receiving phone calls from Capital One to complete the credit card process. After several phone calls, one of the representatives for Saks on XX/XX/XXXX told me that the clerk did not scan my license correctly. The other 4 representatives for Capital One refused to tell me this detail. They just kept saying : Do you want to process this credit card or not? and we do not know if Saks will give the 10 % discount once you finish the verification process. My resolution was to withdraw from the process. The representative from Saks told me that I will be receiving a letter as proof of the cancellation. But as today XX/XX/XXXX I have not received it. However, I have been getting multiples calls from Capital One.
Product: Checking or savings account

I bank with capital one bank and I receive a email stating there have been issues with a third party and was suppose to be resolved Friday Monday I was suppose to get my direct deposit on Thursday and nothing I called customer service and nothing. I went online to see and still nothing so now I been waiting for 3 days with no access to my money and I have bills and children to support. This is affecting in a way I never thought because I have to ask others for money until my money is available and the company still have no time frame when this issue will be resolved. So my question is will I be compensated for this set back and me without any funds to live.