23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I specifically opened an account to pay bills, light bill ( automated payments ) and a court settlement. When XXXX / XXXX misprocessed the payment and I reported the matter in person to XXXX at th Citizen 's bank branch, h failed in his duties to protect their account holder and process a fraud complaint. 
Also I understand that I may be held responsible for incorrect processing of a XXXX Payment from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX XXXX  XXXX - {$180.00} - has violated my rights. 

XXXX XXXX XXXX - {$680.00} - has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX - {$78.00} -has violated my rights. 

XXXX XXXX XXXX XXXX XXXX - {$4000.00} - has violated my rights. 

XXXX XXXX XXXX XXXX - {$420.00} -has violated my rights. 

XXXX XXXX XXXX XXXX - {$420.00} - has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

I believe these accounts were fraudently opened due to identity theft XXXX  XXXX {$110.00}, XXXX XXXXXXXX XXXX {$480.00}, XXXX  XXXX {$540.00}, XXXX XXXX XXXX {$510.00}. I've asked the credit agencies to remove these accounts on several occassions from my consumer report and provide documents validating these accounts at this point the agencies are in violation of williful non compliance
Product: Debt collection

I disputed a claim of debt not owed to a primary debtor XXXX XXXX, aka XXXX, on XXXX. On XX/XX/scrub>XXXX XXXX investigated my dispute and XXXX XXXX, as a result from Experians XXXX, XXXX removed and deleted any claim of outstanding debt due them from me and from any and all of my credit reports ( XXXX, XXXX, and XXXX ). 
On XX/XX/XXXX, I received an email from the following companies which are XXXX XXXX XXXX and Velocity Investments claiming that I owe them the balance they claim was due to Tally, which was resolved, deleted and removed on XXXX by primary Debtor ; has already been verified by XXXX, who communicated directly with the primary Debtor who agreed to removed any and all claims of debt owed from all three credit reporting entities. 
I have proof of all communication verifying the results of dispute resolution between XXXX, XXXX, and myself. 
I am requesting your organizations intervention in assisting me in protection against this predatory attempt to erroneously discredit my credit history with their actions to seek a collection of debt not owed to the primary debtor, XXXX XXXX, aka XXXX, which was verified with accuracy from XXXX on XXXX
Product: Credit reporting or other personal consumer reports

XXXX accounts that have been illegally reporting to credit report have been failed to be removed from my credit report, the bureau has failed to validate the accounts and follow the FCRA and consumer laws protecting me from the accounts. XXXX account XXXX XXXX  has been removed from the other bureaus and the other XXXX XXXX is past the statue of limitations. 

15 U.S.C. Sec 1681i ( a ) can not provide proof it needs to be deleted.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received an email stating that all debit accounts were going to be closed on XX/XX/year> and funds will not be available for use. If there were any funds in the account, they were going to transfer them to the external account on file. I had {$160.00} in this account when they decided to close it. My external bank account was also linked to this account, and I have yet to receive my funds. I reached out to Copper via email, and was given a general response. They also told me that check would be coming in the mail within XXXX business days. It has been XXXX business days and I have yet to receive my funds. When I log into the Copper app, there is a wallet balance showing {$160.00}, but no option to transfer or cash out my funds. Please help me get my funds back, because this money is my XXXX XXXX XXXX money, and she worked very hard for it and she is very upset.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated My federal protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX 15 u.s.c 1681 section 602 A states I have the right to privacy.

15 u.s.c 1681 section 604 A 2 it also states a consumer reporting agency can not furnish a account without My recent instructions.

15 u.s.c 1681c. ( a ) ( 5 ) Section states no consumer reporting agency May make a consumer reporting contain any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more then 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 the information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a billing error that was caused by Infinity Financial Services ( IFS ) which resulted in IFS reporting me with one 30 day late payment to the credit reporting services. This has repercussions for my credit score and pending financial transactions. 

I assumed an existing automobile lease from IFS is late XXXX. Subsequent to the lease assumption transaction closing, IFS did not send me a bill for my XXXX payment nor did they notify me in a timely fashion that the payment had not been made. Consequently, a single late payment in XX/XX/XXXX resulted from IFS 's billing error. 

As part of the lease contract assumption in XXXX/XX/XX/XXXX, I provided IFS with my complete email and mailing address. Per the Fair Credit Billing Act, I was to receive an account statement and bill on a monthly basis either electronically or by US Mail. However, IFS did not send a bill to me upon the transfer of the lease obligation. Instead, IFS sent the bill to the PREVIOUS contract holder because IFS failed to update their records in a timely fashion. When IFS did not receive payment in XXXX, they finally reached out to me by phone but not unitl the payment was 30 days overdue. I immediately paid the past due amount and IFS agreed to waive the late fee and not report the 30 day late payment as delinquent to the credit reporting agencies but IFS still reported me as delinquent to the credit reporting agencies despite their agent telling me that they would not do so becasue of their billing error.
Product: Mortgage

Escrow balance as of XX/XX/2020 is {$6700.00}. Escrow account was cancelled on XX/XX/XXXX. My mortgage payment per month is as of XX/XX/2020 is as follows : Principal {$850.00}, Interest {$1800.00} and Escrow ( Taxes and Insurance ) {$1000.00}. Total is {$3800.00} per month. IT IS STILL COLLECTING AN EXTRA {$1000.00} PER MONTH FOR ESCROW AND NOT REFUNDING FULL ESCROW BALANCE, AFTER ESCROW ACCOUNT WAS CANCELLED ON XX/XX/220. I only received {$560.00} for Escrow refund. Thus a lawsuit will be filed, seeking all damages and attorneys fees. 

CC. XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

Payment Resolution Services ( PRS ) has repeatedly attempted to collect a debt which was in error to begin with. Please see attached letter I sent to PRS which was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.ACCOUNT XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX* 2. XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : BANK XXXX XXXX XXXX Date opened XX/XX/2015 Balance : {$520.00}
Product: Checking or savings account

Urgent Complaint : Failure to Reactivate Account - XXXX XXXX XXXX # XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against Citibank regarding their failure to reactivate my account despite numerous attempts on my part. My savings account holds {$18000.00}, and my checking account holds {$6000.00}. 

I submitted an authorized letter on XX/XX/year>2024, detailing my situation as per Citibank 's request. Since then, I've reached out daily for updates but received no response or progress. This lack of communication and action has caused significant financial hardship and distress. 

I urge you to investigate this matter promptly to ensure Citibank fulfills its obligations to its customers.
Product: Money transfer, virtual currency, or money service

Once again Paypal had put another limitation on my account and I don't even use it anymore for business or anything! Every time I tried to get help on this or to find out why they no one could tell me the issues. They had lift the limitation but put it right back after a few days. I had did nothing wrong! I felt this was because of how we had to do the refunds and now it cause another limitation. But nothing was being done one this ( account : XXXX ) it was only used to for the refunds.
Product: Credit reporting or other personal consumer reports

A complaint was filed XX/XX/2023 against XXXX Collections as they are stating they have some sort of contract between themselves and XXXX XXXX. However, I myself am no party to any contract with XXXX XXXX and further state I have no relationship, contract, agreement, or marriage with XXXX XXXX. I do not recognize any enforceable contract by this party. They expressed that Principal Debtor XXXX XXXX signed the contract but provide no evidence of permission or authorization from the surety consenting to any arrangement. 

XXXX. XXXX XXXX does not possess any written consent or permission to use any title concerning XXXX XXXX. There is no evidence to the contrary. 

XXXX. XXXX XXXX further does not possess any authority that would authorize them to attach or furnish anything related to XXXX XXXX without the consent of the surety. There is no evidence to the contrary. 

XXXX. XXXX collections brought up a signature however any signature in their possession is not allowed to be in hands that are not clean, therefore any signature in Grimm Collection or Comfort Dentals possession alleged to belong to XXXX XXXX is not their property and is now RESCINDED. 

XXXX. Due to potential injury and prevention of irreparable harm, the surety is now XXXX for XXXX XXXX communicating to the debtor without his consent. 

XXXX. XXXX Collections, XXXX XXXX does not have permission or consent to furnish any information with any credit reporting agency and for XXXX sure DO NOT HAVE MY WRITTEN CONSENT. There is no evidence to the contrary. 

XXXX. Any and all consent to Experian, XXXX, XXXX, XXXX collections, and XXXX XXXX whether it be verbal, non-verbal, written or otherwise is now revoked. 

XXXX. Any and all granting of security interest to XXXX XXXX or XXXX Collections is now rescinded, revoked, null and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now requested that the dispute comments be removed from the XXXX # XXXX be removed as I no longer dispute the account and it was resolved. I have made the request 3 times ( last attempt was on XX/XX/ ) to each bureau and it still appears. This dispute is interfering with my ability to obtain a mortgage and rates keep going up.
Product: Credit card or prepaid card

I have a XXXX credit card account with HSBC Bank USA, N.A. ( Bank ). 

During XXXX and XXXX XXXX, the Bank launched a new account servicing website for its personal ( consumer ) banking services. The website permits consumers to access and take action regarding numerous products, including deposit accounts and credit card accounts. As of XXXX XXXX, XXXX, at least, if not for the entire time since it 's launch, the new website effectively buries the option to make or schedule a payment toward a credit card account. It can only be accessed by clicking a small, inconspicuous " View Details '' hyperlink on the account servicing page to launch a legacy website that contains the payment option. See attached screen-capture. This is not obvious in any way. Additionally, the View Details hyperlink will only launch the legacy website IF the consumer 's web browser 's pop-up blocking option is disabled. 

I did not sustain any injury as a result of this extremely notable design choice or defect, but only because I was willing to wait over 40 minutes to access advice ( via telephone and " Live Chat '' ) from a customer service representative who explained how I could access the payment option on the legacy website. Other consumers, however, might have sustained injuries by not being able to make or schedule a timely payment toward their credit card accounts. It is inconceivable that the Bank could have launched the new website without including a clear option by which to make or schedule a payment online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1400.00} XXXX XXXXXXXX XXXX {$56.00} XXXX XXXXXXXX XXXX {$38.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681 et seq. for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless -- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified in accordance with section 1681e of this title by prospective user of the report through a general or specific certification. 15 U.S.C.

1681b ( f ). Chester vs Purvis, 260 F. Supp. 2d711 ( S.D. Ind 2003 ). 
I have not initiated any transaction with XXXX XXXX. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccuracies or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer dash provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes these failures align with my experience where Experian has neither corrected nor removed disputed items despite evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove and amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable rein investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues, such as failing to forward consumer provided evidence to furnishes, accepting unreliable response, responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where experience has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. XXXX requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law, and my rights as a consumer
Product: Credit reporting

XXXX XXXX services continues to report a negative payment history item on my transunion credit report. XXXX XXXX XXXX stated that they informed transunion to remove any negative items from XXXX XXXX thereafter, however when I spoke to a transunion representative she indicated that XXXX stop reporting the item in XXXX XXXX. XXXX XXXX services was not suppose to make any more reporting on credit report once I declared Bankruptcy Back in XXXX XXXX, however they continued report me being over 120 days late on payments. I think transunion had an ovesite of this matter. Also I completed a student loan rehabilation program and all negative items were suppose to be removed from my credit reports by XXXX. The loans are no longer in Default status
Product: Credit card

wednesday XX/XX/year> at XXXX i received a call from a woman at XXXX claiming to be with bank of america wanting me to authorize a charge to my credit card. i do not have a bank of america account. i informed her she had the wrong number. she asked- is this XXXX XXXX, social security number ending in # # # #. ( which WAS my number ) i answered i dont know. she said - you dont know? i told her i do not have a bank of america account. you have the wrong number. and hung up. her questioning was attempting to get a yes out of me. i would not say yes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in XXXX and Transunion. I have been turned down for a credit due to mis- reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor : DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT ED/XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2900.00}, DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an amount due Midlands Credit in the amount of XXXX. 
I have never done business with Midlands Credit. It shows an address on XXXX XXXX in XXXX XXXX XXXX and I have never lived there. 
Please let me know what I must do to have this mis-information removed. 
Thank You, XXXX XXXX XXXX XXXX