23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

A XXXX XXXX installment Account No XXXX has been showing on my Credit Report since XX/XX/2017, I tried disputing with them to no Avail even though the Address associated with the Account has been deleted. 

Will be grateful for your Assistance. 

Thanks
Product: Checking or savings account

I had deposited XXXX and XXXX into my money lion account. I purchased XXXX of that money into crypto current and I also spent XXXX XXXX on XXXX XXXX. My other purchase was XXXX XXXX  for a car payment and another XXXX XXXX  loan payment and also a XXXX XXXX gas station purchase. My account was closed and my funds were put on hold. I was contacted by the bank to provide proof of income and provide my drivers license and a bill of my address. I provided all of these documents and everytime the bank keeps asking for additional information. The second time the bank asked for the person name who sent the money and my relationship to them with that persons ID. I sent that and today i received another email from them asking me to provide more information. I have had numerous bank account and its never been this hard to get my own funds from an account. I will like to report this banking company and I will like my funds to be released expeditiously because this process has put me and my family in a financial burden. I have XXXX XXXX in my money lion account that i currently cant utilize.
Product: Credit card or prepaid card

I experienced fraud on my Capital One Venture card. I believe it happened when I requested a new card, but I'm not sure. I suspect somebody either intercepted the card or created a ghost card of some sort. 

I notified Capital One immediately of the problem. The opened an investigation, then concluded that the charges were legitimate. The basis for that conclusion was that the chip on the card was present. They could not produce a signature capture. They also would not assist in helping me get camera footage from the vendor. They reimbursed me for the smaller charges, but the charges over {$100.00} were beyond the limit of the person I was talking to. When I requested to speak to somebody with higher authority, I was denied. I am currently out over {$400.00}. 

I spoke with XXXX @ Capital one. Case # XXXX Charges on XX/XX/XXXX : XXXX XXXX = {$200.00} XXXX XXXX XXXX XXXX = {$46.00} XXXX XXXX = {$31.00} XXXX XXXX XXXX XXXX = {$220.00} Please help. I am working to reach out to XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX to see if they can help me, but it has been very challenging.
Product: Credit card or prepaid card

I have 2 Capital One accounts which I was trying to close and have the balance transferred to another lender. I was told that the balance transfer will not cost anything. Turns out it was not true. They charge 22.8 % My second account is a master card. I called from Friday XX/XX/XXXX till Sunday evening to have them stop the charges on the account, promised but it never happened and the account was charged an additional {$600.00}. 

The last representative I spoke suggested to hire a lawyer because they won't be able to help of any of my requests.
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. 
Account name : #XX/XX/XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account XXXX # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 generallf, 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: Checking or savings account

Notified PNC on XX/XX/year>XXXX  that a {$3100.00} was taken out of my checking account in error by XXXX XXXX on XX/XX/year> via electronic funds transfer. I am not, nor have I ever been a XXXX XXXX customer. The statement generated by PNC was not available until XX/XX/year>. I notified them within the 60 days required under Regulation E Electronic Fund Transfer Error Resolution Requirements but they refused to credit the funds back to my account.
Product: Mortgage

Re : last claim XXXX. 
BSI claims they credited my account for the late fees and late payment fee but they only credited the late fees. Their letter in response to this claim included information about my account but no solution. They have not credited the late payment.
Product: Debt collection

American Revenue Management is calling my work place and continually harassing me. My ex girlfriend is the one who owes them money but they keep harassing me. Their agent by the name of XXXX. XXXX has been calling my place of employment even after telling her this is not allowed.
Product: Money transfer, virtual currency, or money service

We are XXXX that located in XXXX. We was cheated by impersonator company name XXXX XXXX XXXX that XXXX deposit but never send the goods. They use impersonate account under the mame XXXX XXXX XXXX to get our deposit but didnt send the good for us. 
After signing contract, XX/XX/XXXX we sent Deposit ( XXXX USD ) to : Bank Name : TRUIST BANK Bank code : XXXX Bank Add : XXXX XXXX XXXX XXXX, XXXX, XXXX, NC, XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX As in contracted mention and XXXX XXXX committed that it just take XXXX working days for loading such small order like ours but I kept asking him for updating information but he didnt update us loading plan or situation. Just told us export team is working on that. XXXX working days passed already, since XX/XX/XXXX we didn't received his response anymore. Even we make so many calls, send him many massages and mail. But he didn't response at all. Yesterday ( XX/XX/XXXX ) we required him to pay back deposit both via mail and whatsapp because he beached the contract but still have no response. 

We sent some people to XXXX XXXXXXXX XXXX XXXX and that company said the contracted and account bank is impersonator account. The scammer used their name to create an account in your bank to make fraud businesses. We also have mail to prove that. 

Then after that we contact Truist Bank to show the proof that that amount is impersonate account, and it is held by scammer, then we ask for refund this deposit ( even if it is real business, the contract was breached ) but the bank didnt accept that. 

We have mail loop about transaction XXXX mail loop between our company with XXXX XXXX and TRUIST Bank. We can give it as a proof
Product: Checking or savings account

I stayed at a hotel ( XXXX XXXX XXXX ) from XX/XX/XXXX - XXXX, 2024. The hotel made a mistake on XX/XX/year> which caused my card to be charged over {$1000.00}. I called management and they attempted to resolve the issue and gave me some credits. The following day on XX/XX/XXXX, I extended my stay XXXX extra days ( XXXX ) which should have costed {$290.00}, however they charged my card {$290.00} AND XXXX payments of {$140.00} which total the same amount. 

At first, the XXXX XXXX XXXX claimed that they understood and can see I was double charged. I spoke with two managers ( XXXX and XXXX XXXX as well as a XXXX XXXX XXXX over the phone ( Claim # : XXXX ) then I had told me that they needed to speak to accounting and the general manager ( XXXX XXXX ). I followed up for XXXX weeks with no response until management told me that I needed to speak to a specific manager ( XXXX ). I called for an additional week and left messages, and he did not return my call until XX/XX/year>. XXXX ( manager ) then made up a story saying that he has no idea what im talking about and that he UNDERCHARGED me on XX/XX/year> so that is why they charged my card several times even though that is not true. I noticed that they tried to edit and fix my hotel bill to show the charges as if they were supposed to charge the amount. 
I contacted my bank XX/XX/year> whom I have called several times during this process in which I spent an hour on the phone with them explaining what happened and they were so sure that I would win my claim and I provided all the evidence that I could. CHIME ( Bank ) gave me a temporary credit. 
They closed my dispute and said there was no error and charged my card the {$290.00} AGAIN, even though it was clear that I was charged twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a conversation with a friend who said he went through XXXX XXXXXXXX on a secure credit line and built his credit that I should try. Ive never had a credit card I dont like them but he said hed set it up and pay the amount it said like $ XXXX {$250.00} cant remember. 
So after a few months I said hey I never received it did they send it? Or what? Friend was shocked said I should of got it so I called and told them I never received. They said that someone had already used it and didnt make the payment. 
I explained I never got it asked address sent it wasnt my address and they said I had to pay it regardless even tho I paid the secure amount my own money they are charging me for and ruined my credit with hard hit on a card I never received. So Im out my own money and they never resolved this. 
So again I dispute the inquiry and they just keep saying disagree this is ridiculous reason why Im against credit cards to begin with. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX. Company Inquiries : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/MAIL, XXXX XXXX, 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, credit repair services, or other personal consumer reports

I have been spending a lot of time dealing with remove a false charge from my credit report XXXX XXXX XXXX XXXX XXXX I now have confirmation that not only is this a fraud but XXXX XXXX has repurchased the debt from XXXX XXXX there is no reason for the agencies not to remove this ASAP. To date, only Experian has removed this fraud charge. 

I had a call scheduled with a debt lawyer until XXXX XXXX got in touch with me. But I am at the pointn where I am considering legal action against both XXXX XXXX XXXX for aiding and abetting fraud. I would even consider my first ever lawsuit if need be. 

XXXX also leaked my credit score to hackers which their top executives hid from shareholders and the public and traded on. So I have a case against XXXX but even more of one against XXXX. 

Also some of these credit inquires are incorrect. I have a letter from XXXX for Experian in that regard and XXXX has two inquiries for XXXX when I dont even think there should be one - this is wrecking my score. Please remove them ASAP Please see attached documents for everyhthing
Product: Mortgage

In response to your CFPB statement, I am very much aware that mortgages are bought and sold regularly. I have owned 5 different properties and have never been subject to the abhorrent and reprehensible treatment associated with Selene Finance much less one that has the poor reputation as Selene Finance. 
As a XXXX XXXX Veteran there is no reason I should be subject to such deplorable actions. I served and sacrificed for this country, The actions of this company will not be tolerated. There are consequences for your actions. Any decisions about me should include me. Consumers do not currently have a voice to avoid predatory companies like Selene Finance acquiring their mortgages. If there were qualifiers and a vetting process similar to that which is required to obtain the mortgage to begin with, I am certain companies that take advantage of consumers including Selene Finance would not be able to qualify. With 200 class action Lawsuits, 2 in my state of Indiana alone, 120 million registered complaints here on the CFPB, D rated company according to BBB it is evident to see the malfeasance. The following websites were created to inform others of the true scams behind Selene Finance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Short of the investment company owners lining the pockets of the politicians it is unbelievable why a regulatory agency as not yet stepped in to stop this company from ruining people 's lives. In partnership with others affected by this company, I will make it my end goal to draw as much attention to expose the predatory methods and malfeasance from this deplorable company.
Product: Debt collection

In XX/XX/XXXX a collection account from XXXX  was removed from all 3 major credit bureaus after several disputes. XX/XX/XXXX I had a VA mortgage lender pull my report for a home loan, which DID NOT REFLECT the removed debt.

On XX/XX/XXXX I woke up to an alert from XXXX that a delinquency debt was placed on my credit. I was NOT notified by the 3rd party debt collection agency JEFFERSON CAPITAL SYSTEMS prior to this. I immediately called the number provided and was told by their agent that they did not handle that type of account and provided me with another number to call. Upon speaking with now a 4th party XXXX XXXX regarding this debt ( that was removed prior ), I was told that they did not need to send any information and they had the right to place the debt on my credit. I told the representative that they were required to send me all correct information regarding this account as well as provide 30 days for me to respond or dispute. The representative did not speak clear English and talked in circles. Despite the communication issue over the phone, These two companies are unwilling to take the legal steps, especially for an account that was REMOVED entirely from all bureaus!

I immediately filed a dispute with XXXX  and was notified 24 hours later that this account is accurate. I am beside myself with frustration!
Product: Debt collection

One main financial has been repeatedly harassing me. They have repeatedly called me at work after myself and my boss notified them I can not re have personal calls during business hours. It got to the point where my boss has to have a conversation with me about them harassing and calling everyday. They have interrupted my day numerously. They have threatened to sue me and garnish my wages. The representatives were never pleasant or positive. I have talked to them several times making them aware of my decreased financial income. I was in a car accident t in XX/XX/XXXX and a horrific life changing auto accident end of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened a Macy 's American Express Card issued by Department Stores National Bank with a {$2000.00} credit limit. Since I have had the card the company has on an continuous, irregular and spontaneous basis conducted so called " reviews '' of my account by obtaining copies of my credit report without notice to me and without my permission. Macy 's has used this information to decrease my credit limit from {$2000.00} to {$1900.00} in XX/XX/XXXX and again to decrease my credit limit from {$1900.00} to {$1800.00} in XX/XX/XXXX. In XX/XX/XXXX I was notified by Macy 's that my Macy 's AMX card would not be renewed beyond the expiration date of XX/XX/XXXX even though I have always paid by bill on time and never exceeded my credit limit. The company refuses to reconsider its decision or offer any type of appeals process to its decision. The company also refuses to allow me to close the account and or settle the account for less than the full balance. The company also refuses to remove the information from my credit file with the three major credit bureaus pursuant to 18 USC 1681i and 18 USC 1681s-2 ( b ). I also find it interesting that Macy 's is basing its decision on information from one credit bureau XX/XX/XXXX however, Macy 's is reporting information regarding this account to all three credit bureaus.

The only thing that Macys wants to do is offer and unhelpful, incomplete, generic, and cursory response stating that we are only doing what the Credit Card Agreement allows us to do written by an apathetic, heartless minion automaton. Macys refuses to disclose the qualifications or criteria to obtain or renew or maintain a Macys AMX card. Macys should be required by law to prominently and conspicuously disclose this clause to all applicants including at all Macys stores and point of sale systems.

A growing and popular trend among credit card companies is to frequently pull a credit report on a consumer to " review '' their account and then lower or decrease the credit limit closer to whatever the balance is on the card at the time of the " review '' and then complain that the consumer is using too much of the credit limit or that the proportion of balance to credit limit is too high. Then the credit card companies expect the consumer to pay the full balance while at the same time continuing to charge interest on an account the consumer may no longer be able to use and refuse to work with the consumer for an amicable solution. It's only when a corporation is sued or is subject to action taken by the government against the corporation, then the corporation wants to play the victim. At a time when Macy 's is struggling and is going through tough financial times and having to close stores and lay off employee I don't think upsetting and alienating the customers is a way to increase business and sales to help a company that is already struggling financially and prevent Macy 's from following behind Sears in filing bankruptcy and will probably go out of business in the next five years
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$7200.00} U S DEPT OF ED/XXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I learned that I was among the millions who had their data compromised by the Equifax hack. The massive leak was discovered on XXXX XXXX, but reporting took over a month. 

Equifax has offered a protection service, but included an arbitration clause, which I am unwilling to agree to at this time. 

I have ( through another reporting service ) placed a 90 day fraud alert on my file, in case the worst happens. 

I understand that Equifax was the victim of this hack, but their sole job is to keep consumer information safe and secure.
Product: Mortgage

My mortgage was sold from XXXX XXXX to Bayview Servicing last year after my mortgage process was screwed up. I contacted the new mortgage company Bayview Loan Servicing in XX/XX/XXXX because my XXXX school taxes had not been paid to the XXXX XXXX XXXX XXXX. The rep on the phone confirmed that the bill had not been paid. She said, I am marking the bill paid and will send an inquiry to the escrow department so they can trace your payment. She assured me that they would research the account and pay any outstanding bills. I received another notice this month stating that if I did not pay the delinquent amount by XX/XX/XXXX that my home would be sold. I contacted them again and was assured it was indeed paid, but they could not provide me with a check number to provide the county. They gave me a tracking number for a XXXX  XXXX   shipment and the dates did not match up to what the agent XXXX said my payment was sent/processed. The county confirms that they don't have my payment. I do not want my home sold out from under me.