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

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

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.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate a redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a previous CFPB complaint about two accounts that are reporting with erroneous information and the issues have not been resolved. The information is still reporting on my credit report inaccurately and it has been causing me issues with obtaining credit. 

There are still inaccurate account information for two account on my credit report which are XXXX XXXX and XXXX credit card. 

On XX/XX/XXXX and XX/XX/XXXX I wrote Equifax, XXXX  and XXXX  to notify them that the XXXX account was reporting inaccurate late payments. They each are also reporting different months for the same late payment. I also contacted XXXX directly on XX/XX/XXXX and they didn't respond to my verification request. After I contacted them the three bureaus continued to report 3 different late payments dates on this account. They also are reporting the incorrect date of last activity on this account. All three bureaus have a different date of last activity. 


On XX/XX/XXXX and XX/XX/XXXX I also wrote Equifax, XXXX and XXXX  to notify them of the inaccuracies on the XXXX  account was well. The date of last activity is also reporting inaccurate. I wrote XXXX  on XX/XX/XXXX to verify the date on the account and I didnt receive a response. All three bureaus have a different date of last activity. 

If the XXXX, XXXX  and Equifax are getting the same information from the same creditor, then the information should be the same across all three bureaus According to the FCRA, I have a write as a consumer to ensure that all of the information that is reporting on my credit report is 100 % accurate. These inaccuracies are violating my rights. 

Nothing was rectified on my credit report by XXXX, Equifax, XXXX, XXXX XXXX or XXXX credit card. 

I have also attached a copy of each of these accounts as they are reporting on my credit report
Product: Credit card or prepaid card

Bank : Chase Bank NA Issue : Transaction Fee for XXXX Purchase Date of transaction XX/XX/XXXX Date of Fee XX/XX/XXXX Issue : Chase bank is now charging " Transaction fees '' on XXXX usage on credit cards without warning. They are also charging high-interest rates on the fees without warning or notification. 

Attempted resolution : Attempted to ask for a reverse of the charge via customer service. It was first stated by an associate that Chase had no responsibility to notify customers of the change as it was XXXX that changed their transaction category. I was also told no charges could be reversed. I asked to be transferred to a supervisor who indicated that one of the charges could be reversed but not the others. She then mentioned Chase DID have a responsibility to notify its customers and I should of received a letter. I explained that I did not get a letter and I should of been notified via email or on the Chase website, which she indicated they had not done. 

Chief Complaint : Chase is attempting to use service fees and interest rates to attempt to generate income on unsuspecting customers without warning of possible fees.
Product: Mortgage

The house belonged to my mother. She passed away on XX/XX/scrub> 2024. I called to inform the mortgage company of my mother 's passing and I was informed that I needed to provide formal documentation, ie a death certificate, letters of administration or affidavit of heirship to demonstrate that I have the legal authority to act on behalf of my mother. 

As a result of that conversation, I visited the county recorders office to get a legal description of the property for the requested documentation. Upon the completion of my research, I discovered the mortgage company PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXX XXXX Florida XXXX, has recently filed an " assignment '' dated XXXX  that appears to have increased the loan balance by XXXX and made it seem as though my mother was aware and had given permission as she was specifically listed in the filing. 

At this point given the timing of the filing and the fact that I had just notified them of my mother 's passing approximately XXXX  days before their " assignment '' and the increase in the loan amount seemed illegal, so I called my attorney and I was instructed to file this complaint.
Product: Credit reporting or other personal consumer reports

I tried to fixed this so many time but still bureaus nit response. Please delete the following accounts and inquires now. Here 's the lists 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Credit Karma , Inc., XXXX and XXXX credit bureaus were contacted via mail informing the companies of my decision to opt out pursuant to 15 USC 6802, 16 CFR 313.7, and the Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/XXXX  I sent in my ftc letter to have them remove united auto credit from your credit report and they have not removed it from all three of my credit reports. I sent it to XXXX XXXX, Equifax and XXXX. It is still showing on my credit report as of XX/XX/.
Product: Mortgage

I previously applied for a modification XXXX, 2022, my servicer declined advising not enough income, I re-applied XX/XX/2022, I had XXXX submit all my documents for the 2nd modification on XX/XX/2022, within in 7 days Select Portfolio decline my 2nd modification, & I do not understand why, I added my Child support 0f XXXX Dollars on my 2nd requesting, thinking the additional income would help, m first request took 9 months to process my second request took less than two weeks, this tells me that Select Portfolio is not trying to help me save my home, I am a target I have lost trust with the Servicer, they gave handle my account sloppy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

XX/XX/XXXX used for XXXX  purchases and XXXX XXXX XXXX transfer and previous XXXX XXXX XXXXXX/XX/XXXX was told that my card would be " white listed '' to be used for XXXX XXXX  and/ or XXXX XXXX XXXX XXXX calls on XX/XX/XXXX and was told my card was " white listed '' however my card was not able to be used for XXXX XXXX or XXXX XXXX XXXX XXXX purchase I spoke to 2 different Rep each time I called this day because the 1st could not help me because of the Card State of XXXX XXXXhey needed to transfer to a rep that could do XXXX. I would told several times that I had to wait XXXX hrs and try again and I did this all day on XX/XX/XXXX. and to no avail I could not use the card. 

I was told if I continued to try to use my card for XXXX purchases including XXXX XXXX I would lock up my card and eventually would have to order a new one. 

On XX/XX/XXXX I figured I would wait XXXX hrs and I try to use the card as previous had and I was told all day long wait XXXX minutes or XXXX hrs and this day there was 6 different calls when I got hung up on twice.

6 th call the male rep told me that I could not use it for XXXX  purchases and my card was already white listed. I then asked when theses changes were sent to me he stated they were not I am telling you about the changes now. 

I asked if they were emailed or sent to me and he said no he was going to tell me how to use my card to get money at the ATM that I could send I told him I get charged {$2.00} up to {$4.00} to use an ATM and if I use the cash back option on some purchases it cost {$1.00}
Product: Debt collection

on XX/XX/18 XXXX XXXX from oracle financial group left me a voicemail stating fraud charges were going to be filed on my for non payment to XXXX. said I needed to pay a certain amount by that day. I agreed to pay XXXX that day with a debit card because she scared me with threats. then the remainder of XXXX would be dedutced on XX/XX/18 and XX/XX/18. the XXXX payment was maid. the XXXX payment was returned. I had other expenses and I didn't get a bonus. she left me a message saying the terms were voided out. then on XX/XX/18 I was left a voice mail by her saying I was not wanting to help my self and my bank assets were froze. I called my bank and they told me that couldn't happen. I tried repeatedly to call her back and she just left me on hold and the call got passed to 2 other people. I have reported them to the better business beauru and the attorney general in my state. the attorney general office also told me to file a complaint with yall as well. I was trying to fix this matter. but they made threats and now I don't care. thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry to credit report unauthorized
Product: Credit reporting or other personal consumer reports

Equifax is reporting information that consumer opted out of which violates FCRA and the Privacy Act of 1974. 

On XX/XX/XXXX, consumer sent the following email to the furnisher, XXXX XXXX XXXX : Per the FCRA, as a federal protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you written, unwritten, verbal, and non-verbal, per 15 USC 6802. This includes furnishing information to any credit reporting agency.

The furnished reviewed and advised consumer is unable to opt out ( see email attachment ). The furnished claims they reviewed the request and that they are reporting accurately. This was not requested, opting out was the request.

The furnished is in violation of the FCRA and the Privacy Act of 1974. 1016.7 reviews opt out information.

15 US Code 1681 n and o discuss noncompliance. At this time the furnished is willfully not complying with consumer request which is causing damage to the credit report and infringing on privacy.
Product: Credit reporting or other personal consumer reports

Dear FTC, Subject : Report of Unauthorized Hard Inquiries on Credit Reports I am writing to file a formal complaint regarding unauthorized hard inquiries on my credit reports, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). The unauthorized inquiries are as follows : Name Requested On Reporting Agency XXXX XXXX XXXX Transunion XXXX XXXX  XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX  XX/XX/XXXX Transunion XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX via XXXXXXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these inquiries have been made without my authorization and are adversely affecting my credit report. I request your assistance in investigating this matter and taking appropriate actions to address this violation. 
Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

Zelle has taken money out of my account more than a few times in the past
Product: Debt collection

Field a dispute around XX/2017 about a collection that is not mines company said it was mines and that it 's going to stay on my credit report I disputed this collection with XXXX and removed it but they will not removed from my XXXX.I would like to have this collection removed
Product: Credit card

Hello, I am disputing a charge of XXXX from XXXX in which I told them that I had devices stolen and the charge was not me and later cancelled in less than XXXX hours. I then reached out to the bank and they later denied my claim without showing any documents only verbal. I also have not had a chance to show documentation with Barclays. I also requested that the bank stop all payments from XXXX which they refused. I am asking to reopen the case but am unsure if they are going to do so.
Product: Payday loan, title loan, personal loan, or advance loan

This title loan originated with TitleMax in XXXX XXXXXXXX XXXX XXXX. I relocated to XXXX XXXX and tried to make arrangements to pay what I could because I fell on hard times financially, but whenever I spoke to a representative they never wanted to negotiate or help me, just demanded full payment. 
On XX/XX/year> my vehicle was repossessed while I was at the XXXX XXXX XXXX XXXX. I never received any notice that my vehicle was even remotely in the process of being repossessed and my vehicle had my entire life in it ( clothes, electronics, debit cards, drivers license, etc. ). I panicked because I had no options and no one to help. I had to contact my family to help me and I had to move back to XXXX XXXX. XXXX XXXX XXXX has repossessed my vehicle, they have all of my property, and I am unable to make arrangements to retrieve my property. I feel like this entire process is suspect. They had my phone number and email address and they could have reached out to me let me know my vehicle was scheduled to be repossessed. My understanding is that I should have received some kind of written notice, so now everything I own is in my vehicle across the country and I have no way to retrieve my belongings. I need help and I feel like TitleMax and XXXX XXXX XXXX should return my belongings at their expense!
Product: Credit card or prepaid card

XXXX XXXX OWNER OF " JPAY '' WORTH XXXX XXXX AND HIS " '' NO REFUND '' '' POLICY TO USE THE SITE TO SPEAK TO LOVED ONES AND WHEN THEY ARE RELEASED FROM INCARCERATION,, IT IS THEIVERY NOT TO REFUND,!!, WHO ALLOWED THIS?? IT HAS TO BE POLITICIANS!! ITS % UNCONSTITUTIONAL FOR PEOPLE OF POWER TO PROFIT FROM THEIR POSITION OF AUTHORITY AND WHO OWNS THESE 40 UNNAMED COMPANIES XXXX XXXX OVERSEES?? IT HAS TO BE POLITICIANS AND PEOPLE OF AUTHORITY!! LIKE I SAID, ,ITS % UNCONSTITUTIONAL FOR THESE PEOPLE OF POWER TO PROFIT USING THEIR POSITIONS OF CONGESS ETC.WE THA TAX PAYERS ALREDY PAY FOR EVERYTHING TO DO WITH JAILS AND PRISONS, UNLESS THEY PRIVATISED THEM FOR PROFIT WICH IS CORRUPT AND ABUSE OF AUTHORITY!!! CAUSE WHO RUNS THEM,,, A HINT,,, NOT THE PUBLIC PEOPLE!!
Product: Money transfer, virtual currency, or money service

XXXX weeks ago I moved {$1000.00} from Barclays to XXXX as a test, directed from XXXX. That was successful. I then tried larger amount XXXX and ran into a limit. 
I then tried to push {$1000.00} from Barclays to XXXX and it failed. 
I unregistered the XXXX  account from Barclays and attempted to create the link again. The small micro transactions never arrived. I called Barclays and they summoned XXXX and had them BOTH on the phone to create the transfer account without the micro transactions. I am smelling fraud now. Still I cant transfer fund to XXXX, the rejection reason states " Unable to locate ext bank account ''. 

I had XXXX and Barclays on the phone to set this transfer account up. Still fails. 

So now I want to exit Barclays, as they can not find the reason. XXXX says NO transfers have been initiated so none rejected. This is all on Barclays hands. This account has XXXX and I want it back. 

They say they can XXXX me a check in 10 days thats too long to wait for more fraud. 
I want these funds transfered and BarclaysUS can not seem to find a way. I tested transfers to XXXX 2 years ago when I set Barclays up, but not large sums. 

Please help me, I want to exit Barclays and they cant seem to send even {$100.00} to my XXXX  account.
Product: Mortgage

XXXX Homeowners insurance coverage was not renewed for the year but was paid through my mortgage payments. Pennymac is forcing me to pay for insurance for last year. How do you cover the past with insurance? It's unnecessary money spent and it has destroyed my progress towards paying off my principal amount. I got a policy in place for XXXX. So Im paying for present coverage and an imaginary cover from last year that was just charged to my account XXXX XXXX. I can't afford any increase in my monthly note over paying 2 insurance premiums this year. I really feel like it's an attempt to cause me to foreclose. I would understand the reason behind forced insurance if it covers the present day going forward... not backwards.
Product: Credit reporting, credit repair services, or other personal consumer reports

An attorney that was assigned to be my children 's advocate attorney in XX/XX/XXXX, continued to bill in spite of her lack of help for my children. I paid her retainers and monthly payments. My ex was responsible for half of all billings. He never paid his half. The attorney was dismissed from our case in XX/XX/XXXX. She continued to bill after. She then wrote off the debt and sold it to a collection agency. The collection agency then tagged my credit for {$28000.00}. The attorney write off was {$11000.00}. Bottom line, the amount billed is inaccurate, unjustified and illegal billing. The collection agency has been unwilling to work with me and take this off my credit, preventing me from buying a house. Further, I offered a debt settlement offer to gather an agreement to enable me to purchase a home and the collection agency was unwilling and extremely rude to come to any agreement. There are several complaints online about this collection agency and I believe it should be illegal for any collection agency to out anything on a consumers credit prior to obtaining a judgement that is awarded after proof from both sides is evaluated. I want this collector to be fined and made to get off my credit report to allow me to buy a home. Further, if I am unsuccessful in getting him off of my report, I will lose my escrow deposit and will be forced to file chapter XXXX. I need help to get this bully off my credit report and go about any further reporting after the correct amounts and agreements have been made. 
I have tried to dispute with the credit reporting agencies and the collector, XXXX XXXX keeps changing the dates and showing a ledger that is not accurate, justified or legal. He has put the collection on all 3 credit bureau reports.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the XXXX credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 - Advantage Credit , Inc. - XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. reported 2 hard inquiries on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.
Product: Mortgage

Carrington Mortgage Services , LLC allows the user to manage their mortgage via an online portal. When I logged into the portal I received a privacy notice notification interstitial : An Important Privacy Notice : Federal law requires us to tell you how we collect, share, and protect your personal information. Our Privacy Policy has not changed, and you may review our policy and practices with respect to your personal information by clicking the link below. Please note that by acknowledging your receipt of this information, you are not changing your opt out preferences. To limit the sharing of your information, please fill out the form in the link below and mail it to Carrington Mortgage Services , LLC, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX. 

I was given the option to accept or cancel. Not wishing to agree to have my information to sold, I chose " Cancel '' and was promptly logged out. There is no way to manage my account without agreeing to either have my information sold or proceeding with an onerous and draconian process of mailing a physical form to the company. Since this is a mortgage servicer, I have no option to change and no consumer choice to exercise. 

Financial service companies shouldn't be allowed to sell my data without explicit permission ( opt-in instead of opt-out ) and they should not be allowed to hold my account access XXXX unless I agree to their terms.