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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : OFFICE OF THE ATTY GENER-OAG XXXX XXXX # XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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. 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 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. The company took about 37 days. I was advised a response is to be given within 30days or by law it has to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is violating the law you have in place which is 15 usc1681i ( 5 ) ( a ), 15 usc1681i ( a ) ( 7 ), 15 usc 1681g ( a ) ( 1 ) & 15 usc 1681i ( a ) ( 1 ) ( a ). Transunion believes they are above the law once again! Cfpb already filed a lawsuit with TransUnion and XXXX of it subsidiaries including the XXXX XXXX XXXX but the violations of my consumer law doesnt stop. I demand XXXX XXXX times to verify these items below or delete them immediately to be in accordance with the consumer law you have in place and they failed to do so! The law is very clear as to the civil liability and the remedy available to me 15 usc 1681n & 15 usc 1681o, if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I followed all guidelines and you can see attached, TransUnion refuse to delete inaccurate and unverifiable information from my consumer report in the timeframe the law gave them. Transunion thinks they are above the law, theyre not above the law, as the cfpb Im coming to you to hold this company accountable! The law doesnt speak about giving me a response, the law says delete or block this information if its inaccurate or unverifiable, is this not your law ( XXXX )? TransUnion is an out-of-control repeat offender that believes it is above the law, said CFPB XXXX XXXX XXXX. I am concerned that XXXX leadership is either unwilling or incapable of operating its businesses lawfully. However, based on the nearly XXXX consumer complaints about TransUnion that the XXXX received in XXXX alone, TransUnion has struggled to maintain that trust after they branded themselves on accuracy and trustworthiness. In XX/XX/XXXX TransUnion agreed to pay {$13.00} XXXX in restitution to victims and {$3.00} XXXX in civil penalties. Why are you letting TransUnion constantly break the law and damage reputation and character of us consumers? 

XXXX XXXX XXXX XXXX XXXXXXXX {$490.00} XXXXXXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXX XXXX XXXX {$4800.00}
Product: Bank account or service

I have previously contacted US Bank in reference to monthly account maintenance fees. I learned that the minimum account balance to avoid the fee is {$1500.00}. Despite having this minimum balance, on XXXX/XXXX/2015 I was charged this fee. This is in addition to XXXX previous months where I was charged, and US Bank had to waive, this fee. In this circumstance US Bank has declined even after multiple attempts to credit this fee despite it being charged due to bank error. This is a predatory fee that is being charged in error and must be credited. 

The reason this account was left open with the balance was that US Bank sent me a promotional email titled " {$5.00} For XXXX ''. This is essentially where if I used my bank account for XXXX bill pay payments in the month of XXXX I would receive a {$5.00} account credit. I reviewed the fine print in the email and proceeded to schedule bill pays through US Bank 's website. I met all requirements that were laid out in the initial marketing email. I contacted US Bank on XXXX/XXXX/2015 to inquire why I have not received this {$5.00} promotional credit yet. In the reply, US Bank stated that there were additional requirements that I had not met. I went back to review the marketing literature again ( promotional email ) where no additional requirements were disclosed. This constitutes an unfair, abusive and predatory practice to enforce terms and conditions that were never provided to begin with. As all initial requirements were met the {$5.00} must be credited to my checking account.
Product: Credit card or prepaid card

The credit card company would not. assist me during covid. Now I am being sued by this company. Without any type of help from the company with trying to make arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall the exact it however it has been more than 30 days since I disputed these items the balance is include {$2400.00} {$870.00} {$1000.00} XXXX
Product: Mortgage

My mortgage was bought out by NewRez and since 2023 we have been fighting them tooth and nail to try to resolve. We started by just fighting by ourselves but we soon started receiving help from the mortgage help center and since we started working with them we have paid them over XXXX $ and still have not seen any results and our home is back in foreclosure. NewRez just keeps saying they need more and more information and it is always the paperwork that was already sent in through XXXX XXXX XXXX XXXXXXXX. I am not sure what entity is lying/making things difficult or scamming us.
Product: Checking or savings account

The company belonging to the app named ALBERT has made multiple unauthorized transfers from a checking account to an account with them. I signed up to make my own transfers, XXXX, from a savings account attached to the checking account. These transfers have ranged in price from $ XXXX {$35.00} - multiple times each and has caused multiple overdrafts since XX/XX/2023 until current. It has been over {$80.00}. On XX/XX/2023 they charged me {$140.00} for a year subscription that I never selected. In order to receive a refund for that amount, they told me I HAD to commit to their $ XXXX monthly plan. I just want my account with them closed and reimbursed for any of my money that they still have.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXXRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unrecognized inquiry on my XXXX credit report from Citi Bank, dated XX/XX/2020. This inquiry does not appear on any of my other inquiries. I have written to Citi Bank multiple times to request that it either be validated or removed. Citi has repeatedly responded to my inquiries by claiming that it can not find any record of said hard inquiry. They continue to request information that they were already provided with. I can not continue to waste my postage and time in responding to attempts to stonewall my inquiry. 

If Citi Bank can not verify that this inquiry is valid, they must remove it pursuant to the Fair Credit Reporting Act ( FCRA ). I am enclosing a copy of some of my recent correspondence to Citi Bank for reference.
Product: Mortgage

Submitted an complete Loan Modification packet on XXXX XXXX, 2015 to Fay Loan Servicing. 
We have not had a return call or email response from Fay Servicing.
Product: Credit card

Subject : Formal Complaint Regarding Unjust Charges and Credit Card Mismanagement by Best Buy and Citibank Dear CFPB Team, I am writing to formally file a complaint against Best Buy and Citibank regarding unfair credit card charges and the negative impact on my credit score resulting from their actions. 

Background : 1. In XXXX I purchased a television from Best Buy over the phone. During the transaction, the Best Buy representative offered me a store credit card with a limit exceeding {$4000.00}, which was managed by Citibank. I agreed to this and provided my necessary information. 
2. I explicitly requested that the full cost of the television, approximately {$1200.00}, be charged to the credit card immediately upon purchase. Instead, they processed only the minimum monthly payment, without informing me or obtaining my consent for this arrangement. 
3. At no point during the transaction or afterward did I receive any documentation from Best Buy or Citibank detailing the terms of the credit card, including interest rates, grace periods, or repayment policies. 

Discovery of the Issue : Over two years later, I discovered that Citibank was still charging me monthly payments, despite my understanding that I had already paid off the original {$1200.00} charge. When I contacted Citibank to investigate : They informed me that I had exceeded the promotional period for interest-free payments and was being charged retroactive interest. 
I explained that I had requested the {$1200.00} charge to be paid in full at the time of purchase and suggested they review the call records to confirm my statement. However, they claimed that the call records were no longer available. 
To make matters worse, after the issue arose, Citibank sent me a backlog of invoices and statements covering the previous two years. These documents were never sent to me during the original period, depriving me of any opportunity to notice or address the problem earlier. 

My Attempts to Resolve the Issue : 1. I offered to settle the matter by paying an additional {$200.00} as a goodwill gesture, but Citibank refused. 
2. They subsequently closed my credit card account, reported me to the credit bureaus as a delinquent account, and significantly damaged my credit score. This has negatively impacted my employment opportunities. 
3. Afterward, third-party collection agencies began contacting me for payment, suggesting that Citibank sold the debt without resolving the dispute. 

My Request : I firmly believe I have been treated unfairly and subjected to predatory lending practices. The lack of transparency regarding the credit card terms, refusal to investigate the original phone call, and unjust reporting to credit bureaus have caused significant financial and professional harm. 

I respectfully request CFPBs assistance in : 1. Investigating this matter thoroughly.

2. Holding Best Buy and Citibank accountable for their actions.

3. Rectifying the damage to my credit score and ensuring that this debt is resolved fairly. 

Thank you for your time and attention. I look forward to your assistance in resolving this issue.
Product: Payday loan, title loan, or personal loan

Had a line of credit for {$1700.00}. Took out {$1700.00} in XXXX. Total fees due in XXXX are close to {$700.00}, none of which go towards the principal. All fees and interest. I asked for assistance in settling and was only offered an arrangement to pay what I can and keep calling back on the due dates to make arrangements ... but I will continue to be slapped with fees and 360 % interest rate!! Simply put I will never be able to pay this off. I have no problem paying back the money I borrowed but to pay $ XXXX {$1000.00} a month at this rate, I will never be able to payoff and will fall further in debt. This is one of the worst decisions I ever made out of desperation. Consumers beware and stay away!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from Equifax Mortgage Services on my report. I informed Equifax I have not applied for a mortgage and it should be removed. 

I let Equifax know when I filed the dispute that I did not make this inquiry. 

The Equifax response to my inquiry was : The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 

I did NOT authorize this inquiry because I am not seeking a mortgage, nor do I have a mortgage with any company. This must be some sort of fraud.
Product: Credit card

I am having a problem with Synchrony Bank regarding a Chevron/ Texaco Credit Card . This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Synchrony Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter. Synchrony admits that they can not provide the contract and also says that they do not own this debt anymore as they have sold it to another company, yet they are reporting it the the credit bureaus. Synchrony Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. 
As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
Synchrony Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. I have also attached a copy of my credit report from XXXX XXXX, 2016. 
Synchrony bank can not provide validation of the debt, they admit they do not own the debt and they are violating Federal Law by not providing the credit bureaus with proper information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$710.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 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 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.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/20XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/20XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Based on the information that was sent to me b y Ability Recovery Services, t he date of first delinquency was indicated as  XXXX   XXXX ,  XXXX . But the documentation sent and an email from the original collector indicates the date of delinquency in  XXXX .
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer finalacial protection bureau ( cfpb ) the document needed and letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-debt final rule 1002.142 ( b ) ( 4 ) -- 5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the fair credit reporting act. 
I am a victim of human trafficking of debt bondage and would like for all listed accounts to be deleted & blocked 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue regarding the inaccuracies on my credit report and your failure to properly investigate these disputes in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.I have submitted multiple dispute requests concerning specific inaccuracies on my credit report, yet each time, I receive a response from your organization within 24 hours stating that the account is accurate. However, I have not been provided with any evidence of a thorough investigation, nor has any supporting documentation been offered to substantiate your conclusion. This is in clear violation of my rights under the FCRA, which mandates that credit reporting agencies conduct a reasonable investigation into disputes, and ensure the information reported is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is additional information to the below complaint against XXXX. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Even though XXXX is at fault, why do the credit bureaus ( XXXX  / equifax ) get away with such absolute and concrete thinking. These credit bureaus need to be had accountable for lowering credit scores without any thought behind it. I have never missed any payment for anything. They know this and still lower my credit score without investigating. Hold them accountable as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA applies only to the 3 main credit reporting bureaus -- XXXX, XXXX, and TransUnion. ... XXXX, XXXX, and TransUnion are legally obligated to provide identical information XXXX  and transuion are reporting that my XXXX  account is {$400.00} which is inaccurate. Per my XXXX  account that has the accurate information with an amount of {$460.00}. 

XXXX reports to all 3 major credit bureaus there for all 3 bureaus should show {$460.00} as my credit balance. 

I have disputed multiple accounts with TransUnion and XXXX  and I am not getting anywhere. 

Below I will attached all 3 reports so the information is able to be verified per accuracy.
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection. at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, 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
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$630.00}