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

Based on my communications with all the credit agencies in XXXX of 2022, regarding the inaccurate information posted to my credit report ; I explained to all 3 agencies to investigate the information posted that was not accurate. Their response was that the information posted was accurate per their investigation. I asked if they could investigate each account listed on my file.

According to the Fair Credit Reporting Act the term investigative 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/she is acquainted or who may have knowledge concerning any such item ( s ). 

They also stated that my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts reported are not 100 % accurate. Additionally, according to the Fair Credit Reporting Act 15 U.S. C. 1681 everything has to be 100 % accurate. I have downloaded a copy of my credit report.

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX. ) ACCOUNT : XXXX 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.

15 U.S.C 1681 section 602 A States I have the privacy.

15 U.S.C 1681 Section 604 A It also States consumer reporting agency can not furnish an account with writer Instructions.

15 U.S.C. 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiry on my Transunion credit file.
Product: Credit card or prepaid card

XX/XX/2021 XX/XX/2021 XXXX XXXX Along with several times during the year prior to this time with different transaction ranging from XXXX or more dollars This company has kept my direct deposit payment on hold for various reasons I have had my money refunded from a business or I have paid on the card directly from my paycheck this company will not give the money to the card directly from the bank of the company I had a refund with or without notifying me place a hold or restrictions on my money it's a prepaid card transaction when I call and have asked the company why I can't access my money on the account I get told they have rights to hold my money for over a week time frame they have left me in serious complicated financial delays on several occasions and I put my finances onto the card being it's prepaid not money given to me by the card services I have also been at a company where the cash back feature is offered and I requested a cash back with a purchase and the card accepted the money but then declined it but the card withdraw from my balance but the store stated the company declined the transaction the card services then would take XXXX days to correct the mistake although it was the mistake in the way the card company accepts or rejected transactions they claim to only have a limited use of services only after they give the money to the company but reject it because of the service available with the company so I don't understand how they allow the money to be withdrawn from my balance to the business if they don't offer that service with that card transaction I call ask him for my money to be released or refunded because of the company 's error several times during the year for several weeks before the company will acknowledge that they should not have taken my money and then without responding to my request per conversation with me they hold my money back until I have been without a balance for weeks
Product: Money transfer, virtual currency, or money service

I sent the money to my XXXX on XXXX XXXX. Immediately after I finished send the money I realized I made a mistake he wont be able to get the money right away until Monday. So I called him and explained to him what happened and I switched the receiver who were together with my brother at a time. I called the Money Gram right away to see if they can switch the receiver name to my XXXX they told me that was impossible. So I decided to cancel the transaction to my XXXX which was {$410.00} and send it to my XXXX another amount of {$420.00}. XXXX XXXX a very short interval. The {$410.00} never been credited back in my account and nobody received it in my country no enough explanation where the money went who took it what location what form of identification used no explanation. 
I told my brother about it he went to the location they told him to tell me to call this number XXXX which I didnt get no help. 
This is another message they gave him ; THERE HAS BEEN AN ERROR THIS TRANSACTION CAN NOT BE RECEIVED AT THIS LOCATION ( XXXX Error XXXX ) ID : XXXX
Product: Debt collection

XXXX Debtor information and payment online options not available. 
Debtor unreachable only by mail. I feel unsafe mailing out checks to this business not endorsed by the BBB. Their is no way for me to check my balance by automated system. I dont know any up to date information regarding this account. I have no confirmation of payments made.
Product: Money transfer, virtual currency, or money service

Got scammed out of {$400.00} through XXXX through capital one. Capital one wont help refund the money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not working with any third party credit repair company, I am solely the only person working on resolving issues on my credit report. On XX/XX/2021 I have sent a letter regarding inaccurate and unknown things on my credit report to this day, over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. It has been over 30 days they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

This is a follow up to complaint XXXX, which was not resolved satisfactorily by Marcus.

I am appalled by Marcus ' cavalier response to my complaint : They have credited my account with a mere {$25.00} when my loss from the freeze on my account and the failed wire transfer is {$410.00}, as detailed in my original complaint. This is entirely unacceptable. Marcus have claimed that they identified " security concerns '' with my savings account, which led them to freeze the account. However, despite numerous requests over the phone between XX/XX/XXXX and XX/XX/XXXX, and in their written response of XX/XX/XXXX, they have failed to provide more detail on what exactly these " security concerns '' were. How is it that funds coming from my own XXXX XXXX account, a platform that is owned and operated by the XXXX government, into my own savings account at Marcus, raised concerns serious enough to warrant freezing my account without explanation for 11 days? The same movement of funds has occurred on multiple prior occasions without a hiccup. Marcus ' claim in their XX/XX/XXXX response that they attempted to contact me during the " transfer processing review '' is patently false. I did not miss any calls from Marcus. My phone log, which I am willing to provide as evidence, shows no missed calls from Marcus. My phone number ending in XXXX is listed as my contact number on file with Marcus. Marcus did not contact me by email or physical mail either. By their own admission in their XX/XX/XXXX response, Marcus ' customer service representatives are incompetent : They repeatedly asked me to transfer the funds in question back to my " account '' at XXXX XXXXt. They refused to understand that this was impossible because XXXX  XXXX is not a bank. They were insistent that the only other way for me to access the funds was via a check that would take up to two weeks to be issued. Contrary to Marcus ' XX/XX/XXXX response, the bank never advised me that the funds could be sent to an additional account. This entire experience has been very frustrating and a big waste of my time. Marcus ' operational shortcomings, procedural inadequacies and blithe disregard for customer service have saddled me with a {$410.00} loss, which I am not willing to bear. I request the CFPB to kindly intercede on my behalf and direct Marcus to credit my account with the remaining {$380.00} which Marcus has yet to pay me.
Product: Checking or savings account

XX/XX/XXXX my paycheck was direct deposited. Also a XXXX cash advance.I went check my balance online and my accounts was negative and my XXXX deposits were gone. 
I immediately went to the bank and was told my account was froze and I hade no access to my money. I went to branch specialist XXXX XXXX and they would not tell her anything, just account was closed.I was told by someone XXXX contacted, my money would be available XXXX. I told them all banks were closed, the woman on the phone said try and find one open. 
The next day XXXX XXXX, my account showed my money available, upon going to the bank told the same thing my money was froze. 
I had no food XXXX XXXXXXXX XXXX XXXX at home no money, and no access to any money. 
Thankfully the Vice President of the bank was there and got my money released. The employees were very helpful. 
I still have no idea why my account was closed and funds not available. 
Chase bank has allowed my account to be hacked twice and I have fraud protection. The bank calls if I buy a piece of art at an art fair ( because painter is out of state ). But they allowed someone to go into my account and reverse over XXXX dollars and never called or text me. The hackers reversed rent from 3 and 4 months prior, I was living in complex and had been paying rent. Who would reverse payments from months ago and car insurance and car payments. 
I was not protected and now on dark web and cant seem to find out why account was closed. 
My account was hacked a second time after more security on account. I want answers, I was almost evicted, went into XXXX XXXXXXXX, missed work. 

Any help you can give me is appreciated XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have presented Bank of America with disclosure of concerns pertaining the fraudulent use of my account and identity theft. Bank of America has noted that an address that I did not authorized was associated with the account and confirmed that to this address a debit card was sent out. I reported that from the opening of the account, I have not received a card for the account. Further, the account was compromised and debits continued to be made to the account after having reported several times fraud as their department failed to prevent the unauthorized party to continue to make charges to the account. I have presented my concerns to several parties representing Bank of America, who did not address the concerns of fraud and identity theft appropriately and instead made request for payment for a debt that is not mine. I have requested that the monies that were debited from the account as a result of fraud be credited to the account and the accounts have been close at my request. I have made the credit bureaus aware that I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has updated my credit report to 150 days late from 120 and this is 4 years old. I was having financial difficulty 4 years back and i was 120 days late not in XX/XX/2019 XXXX switch it from 120 to 150 causing my credit score to drop 89 points. The account has been in good standing for over 3 years, This was a spiteful maneuver for a reason unknown to me. I called and asked them to change it back to 120 but they refused even though its from 4 years ago.
Product: Credit card or prepaid card

As I logged in to the PayPal app, I noticed that there was a transaction that I didnt authorized, so I opened a dispute with PayPal so that the transaction can be cancelled. Today PayPal tells me that the transaction couldnt be covered or the way I see it that they cancelled it but that they cant provide me with a refund. I feel like this is fraud, I need that refund back into my PayPal credit account because there was not a transaction completed or neither did I receive any item for the money that they arent willing to refund me, this transaction was made and I believe is from XXXX. Please help me, I dont want to pay money that I do not owe. The amount is {$27.00} and it was made on XX/XX/2020.
Product: Debt collection

I received a phone call from a number and they asked for my fiance. When I said he was not available they hung up immediately. When I called the number back it was an automated recording that stated they were XXXX collections agency.
Product: Credit card or prepaid card

hi. every time i used the card citi sent me a fraud alert. i called and spent over an hour they promised it won't happened again an it happen in a daily basis. it happened twice or 3 times in one day. i paid on time. i never had a fraud case. its unbearable that i have to waist so much time explaining my private life. unacceptable!!! .discrimination!!!!
Product: Credit reporting or other personal consumer reports

I I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681. Equinox is governed by 15 U.S.C 1681, Equifax has violated my rights numerous of times. I demand the account below be removed immediately : XXXXXXXX XXXX XXXX  acct # XXXX ACCORDING to 15 U.S.C 1681 ; I have the right to privacy and I did not give equifax written permission to furnish these accounts. I have no contract with this company
Product: Debt collection

None of the choices were about my complaint but it made me choose one. I am reporting Midland Credit Management for continuing to report inaccurate information on my credit report. I agreed to pay my FULL BALANCE of what I owed to a past credit card. I had a balance of {$1500.00}. I have been paying {$150.00} a month since last summer and have paid down my balance to {$380.00}. Every month they report as though this is a new debt with the high balance being each months new balance. This continues to NEGATIVELY impact my credit score because they are FALSELY reporting my HIGH BALANCE and then what the remainder is. I have contacted them and basically was told tough luck, thats the way we report. This is unfair and should be IMMEDIATELY remedied. I did not shirk my responsibility nor negotiate a lower debt to pay, even though I could have chosen those options. The LEAST they can do is report my debt and payments correctly! Every month I get a notification that my debt collection needs attention because they change my high debt amount to the new balance owed. I am sick and tired of this company getting away with improper and unfair reporting and wish for a complaint to be filed against them and my account to be reported fairly. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Oct/Nov 2023 : XXXX XXXX sent me an email notice asking me to check online message regarding my monthly payment for the 30-year mortgage I have in XXXX or XXXX timeframe. The message was about increased escrow ammount due to increased tax payment. 
XXXX : because the company sent me so many emails and tried to call me to notify me about the big data breach incident they had, or ask me to refinance my mortgage for their marketing effort, I did not take it serious that I recevied an email to check online. In addition, at the time, I forgot my XXXX XXXX login info, so I did not check my online message informing me escrow account was increased. 
XXXX : I noticed my credit score was decreased from over XXXX to XXXX as notified by my credit card company, I checked and realized I was reported as mortgage past due. I called XXXX XXXX and learned that I didn't pay the escrow increase of {$150.00}. I have been paying my mortgage of $ 6229 monthly via my bank 's auto payment all these months. The unpaid amount is less than 2.5 % monthly fee I have been paying. I was furious! 
XXXX : I paid the escrow balance of {$310.00} on the phone and adjusted my monthly payment of mortgage to the increased ammount going forward. I also spoke to the company representative and expressed my shock and disapointment. The representative was very hostile and told me by definition I didn't make the payment. I confirmed that the company never called me or emailed me on the escrow change as aggressive as they did when they tried to market me about refi my mortgage. I also spoke to the manager, and was told that the company would correct my credit report. 
XXXX : My latest credit score is now only at XXXX. I have never missed a credit card or mortgage payment. this is outrageous! 
If XXXX XXXX spent more time on their IT management, they would not have had the data breach incidence and I would less likely to skip their email. In addition, XXXX XXXX called me way too agressive on refi my mortgage that I was afraid to pick up any call from them nor call them. I wish XXXX XXXX to spend more investment on training as well. If I have a choice, I would not have had my loan be serviced by XXXX XXXX. They do nothing to protect consumer 's interest.
Product: Vehicle loan or lease

I paid off my loan for XXXX XXXX XXXX XXXX on XX/XX/XXXX. I made 5 years of payments. It is XX/XX/XXXX and I still have no title. I have called XXXX XXXX XXXX   several times and they keep telling me they processed it XXXX XXXX. I have not received. They seem to be very uninterested in my plight. I need help getting the title to my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had bankruptcy. We attempted to reaffirm a XXXX XXXX car loan in XXXX they never responded and we included it in the bankruptcy. We got it discharged in XXXX. Vehicle was repossessed voluntarily in XXXX. It showed up as a charged off debt on our credit report. In XXXX, I noticed our XXXX score dropping points every month due to a balance increase with XXXX XXXX creditor. We disputed this stating it was part of a bankruptcy. XXXX then reported the debt as REAFFIRMED and it popped up as a new debt on our credit report which Equifax and XXXX also changed their reporting to Debt Reaffirmed and new debt. This is a 4 year old debt that was never reaffirmed and it's passed our XXXX statute of limitations for debt collection! I tried disputing again but Equifax dispute center won't accept the PDF documents of our petition and discharge. XXXX only took off the remarks but the debt still show as current instead of charged off. XXXX didn't do anything. We are trying to get a house and this is wreaking havoc with over 20 points loss on each credit bureau!
Product: Credit reporting, credit repair services, or other personal consumer reports

No knowledge to this report inquiry. 
No permitting to this company to check my credit
Product: Mortgage

Chase Mortgage bought my 5 year old loan, did not pay my homeowners insurance, sent a letter 2 days before it is expiring say they will buy a more expensive one for me. I have not changed my home owners insurance, they have an escrow account, and they should pay for it or close the escrow account and let me pay for it.
Product: Credit card or prepaid card

I got a new credit card from Chase with Marriott XXXX XXXX that promised XXXX points if {$5000.00} were placed on the card within the first 3 months. Due to COVID-19, and having to cancel all my trips and plane tickets, I called Chase company and the customer service person said that I was a couple of hundred $ 's short, but not to worry since Chase has extended the period by another 3 months to meet the {$5000.00} limit. I am sure they recorded this call.

So, I did that. In fact I put {$10000.00} in purchases in the card. I called them today to ask why there are no points added to the card yet after so many months, and they said they applied for the extension, but it was rejected. So no points and there is no chance of ever getting those points. 
What?? On the phone they said everyone gets the extension, there was no talk about waiting for approval. I feel cheated. If I knew I would have thrown this card in a drawer and use my other ones. Any advice what to do next? The person on the phone said there is no one else she can transfer me to to complain. It is a done deal.