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 XXXX5 USC 1681. 

XXXX. XXXXXXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, Account # XXXX 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 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

After disputing unauthorized use with police reports and company information from all 3 credit reporting agencies providing proof of me being the victim of unauthorized use and fraud! 
XXXX and experian and XXXX still has history and accounts that accept to be removed and also proven to be removed completely, are still on all 3 credit reports for the 2 yrs and the present! 
I want XXXX XXXX  and XXXX XXXX, XXXX  to be removed permanently from all 3 credit reporting agencies!!
Product: Debt collection

I never bought anything. I never opened an account with that bank. This people been calling me .and tell me a few years ago from where this debt is. But I never make those purchases in those places theytold me. This debt is been bother me in my record. My credit score is not good because of this debt. I want to resolve this and move from my record. Please help me. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send letters disputing wrong negative information on my report. XXXX has mail me the results as verify but I have never received any legal proof that negative unverifiable information belongs to me.
Product: Debt collection

I was sued by XXXX XXXX XXXX allegedly representing Citibank NA on a credit card debt XXXX case # XXXX XXXX XXXX XXXX XXXX . I answered ( pro-se ) alleging they had no standing as they did not appear to have been actually authorized by Citibank to represent them. Subsequently they filed an affidavit ( 149 pages ) containing my complete account records for over 2 years including the unredacted account # s and ID of various medical and other accounts. After losing my case and my counterclaim I was told by the Court that I could file to have this data redacted. This was not the case as I do not qualify for that and I am not permitted to have this filing made private as that is something only the plaintiff is allowed to do. I had notified XXXX on XXXX in my answer that I am a widow on a fixed income from SS and a small pension and exempt from any possible garnishment or attachment as I have no assailable assets. XXXX proceeded to obtain some sort of authorization in XXXX XXXX to actually represent Citibank and proceeded to obtain and record a judgment against me, as well as proceeding to file judgments in several other cases that were in the same Court that were still open and had no activity for 3-6 Months prior. It is my contention that XXXX had used the Court as a collection agent in many cases without actually at the time of filing being authorized to do so. In addition the publication of my account records including the names and account # s of various medical payees is a violation of my privacy rights under HIPAA.
Product: Checking or savings account

My payday from my job was XX/XX/year>. I got paid late afternoon on XX/XX/year> and everything was fine. I paid some bills, locked my card and went to bed. Got up for work, got gas and some stuff for inch, breakfast and headed to work. Everything was fine then. I locked my card once I got to work. I checked my account around XXXX to find out my accounts had been suspended and my debit card is locked. I took a lunch to make a phone call and no one can tell me why or how I can get access to my funds. Im told I need to wait for email communication. I opened my email to find a vague email stating it was suspended for suspicious activity. I email them back, and Im told my account was under review and that I would receive email correspondence once done. I called again after I got off work, and was told it the back office stated it was suspicious transactions, but still no answer about as to what or why. Ive had issues in the past where the bank has sent text and have called to verify transactions but I wasnt given any information about anything going on with my account. I cant use my card, I cant transfer money out of my accounts. Im not able to do anything and no one has contacted me to explain to me as to why my account is under review. I have children. I am a XXXX XXXX of XXXX XXXX under the age of XXXX. I have bills, and I have an apartment I pay rent for. No ones been willing to at least let me transfer my funds out of that account so I can continue to provide a roof over me and my children head. I want answers. I want to know why this is happening and why there isnt anyone I can contact via phone to try to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the middle of XX/XX/2021 it was made known to me through my XXXX credit monitoring the Bank of America had inquired upon my credit. I instantly reached out to Bank of America directly and advise them that I never inquired with them for anything to do with credit. They advised me that they would look into it and I am in the mortgage industry so I know how all this works I said don't look into it remove it it was not a legal inquiry and I need you to remove my credit immediately. That was 60 days ago and it is still showing on my credit report I need you to get involved to make them remove it immediately this is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to remove the following inquires on several occasions with no success. 
XX/XX/XXXX XXXXXXXX XXXXXXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern and dissatisfaction with the credit reporting practices of Equifax, XXXX, and XXXX. 
The mentioned agencies have not obtained my consent for the report of the bankruptcy on my credit profiles. These companies need to remove this reporting due to inaccuracies in reporting and violations of Metro 2 compliance. Furthermore, under the Privacy Act of 1974, No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Moreover, I want to state that under 15 USC 1681a and b, it is imperative to guarantee that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a dedication to upholding the consumer 's right to privacy. These entities must adopt reasonable procedures to meet the demands of commerce for consumer credit, personnel, insurance, and other information in a manner that is just and equitable for consumers. This encompasses the safeguarding of confidentiality, assurance of accuracy, relevance, and appropriate utilization of information. 
Included there is a court statement along with an FTC identity theft report, as supporting evidence. 
Furthermore, 15 U.S.C 1681c2a states that it is mandated that a consumer reporting agency must promptly block the reporting of any information in a consumer 's file identified by the consumer as resulting from alleged identity theft. This action must be taken no later than 4 business days after the agency receives documentation from the consumer which I have attached.
Product: Bank account or service

Citibank has a promotion to give depositors a bonus of {$400.00} if they open a Chencking account for {$15000.00}. This {$400.00} bonus will be paid to the depositor upon maturity of 90 days from the date of opening of the account. 
On XX/XX/2016, I opened such a checking account at the Citibank branch, located at XXXX XXXX XXXX, XXXX , NJ for {$15000.00}. The maturity date has already passed and I still did not receive this {$400.00}. So I made several phone calls to the branch manager XXXX XXXX as well as several other bankers in the bank to inquire about it. They all told me that I am qualified to receive this {$400.00} bonus and I should receive it any day. However many days had gone by and this {$400.00} was still not credited to my account. 
I referred many other people to open such account with Citibank and they all have received the {$400.00} bonus so far but not I. The following are XXXX people I referred to the bank to open accounts who have received the {$400.00} bonus, one is XXXX XXXX XXXX, Account no. XXXX and XXXX XXXX XXXX, Account No. XXXX.
Product: Debt collection

DEBTOR 'S NAME IS XXXX XXXX HE HAD A TITLE LOAN WITH TITLE MAX # XXXX IN XXXX, TX. A COMPANY BY THE NAME OF XXXX, UNLAWFULLY PUT A GPS TRACKER ON HIS VEHICLE AFTER THE PAYMENT WAS DUE. XXXX REPOSSESSED THE UNIT, BECAUSE OF THE GPS TRACKER THAT UNLAWFULLY PLACED ON THE XXXX FORD F250. I KNOW THIS BECAUSE THE MANAGER BY THE NAME OF XXXX CALLED ME AND ASK IF I WOULD REPOSSESS THE TRUCK, BEACAUSE XXXX WAS AN XXXX AWY AND COULD N'T GET TO IN TIME. I ASKED WHO AUTHORIZED THE USE OF UNLAWFUL DEVICE SUCH AS AN GPS TRACKER AND SHE SAID HER BOSS XXXX XXXX HE SAID TO GO AFTER EVERY CUSTOMER WITH VENGENCE, ITOLD THAT THIS WAS ILLEAGAL AND REFUSE TO REPOSSESS THIS UNIT.
Product: Mortgage

XXXX Originally, our mortgage was with XXXX. The city assessed the property value too high for XXXX. We appealed the assessment and informed the mortgage company, but they refused to adjust the payment amount without a new tax invoice, and they paid the overvalued tax amount. 

XX/XX/XXXX The mortgage was sold to Carrington. 

XX/XX/XXXX We sold the house. 

XX/XX/XXXX The city adjusted the value for XXXX and informed us we would be receiving a property tax refund. The refund would be paid to the company that made the payment. I contacted both XXXX ( who originally made the payment ) and Carrington ( who serviced the mortgage at the time of the sale ). However, XXXX told me that Carrington would send me the check, and Carrington said the opposite. I can no longer log into the XXXX account since the mortgage was sold, and the Carrington account doesn't have any information regarding an overpaid escrow either. 

XXXX I escalated the issue via email, but XXXX continues to tell me I will receive the check from Carrington instead of sending it directly. Carrington has not responded to any emails. 

XX/XX/XXXX I have now received a check from Carrington for {$54.00}, which does not reflect the correct refund amount. XXXX claims they sent a check for {$1200.00} to Carrington to forward to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX Dept ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 US C 1681. 


XXXX XXXX XXXX I looked at my experience credible report on XX/XX/year> and noticed some things in complete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable proceedings to short max 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 1681i they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information 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: Debt collection

I currently have a debt listed on my credit report as being from Jacobs Marsh, however, I 've been trying to contact them for over a week now via telephone and email to no avail. Recntly I received a phone call from XXXX ( XXXX ) stating that they are collecting debts on behalf of Jacobs Marsh. So I eventually arranged to pay the debt that is indicated on my credit report and being from Jacobs Marsh. I hope that I am not being scammed! Is Jacobs Marsh still in business? Why did they give my information to a third party to contact me on their behalf to collect the debt. Do they have the authority to collect on the debt AND authorize the disposition of the debt be included on my credit report?
Product: Mortgage

I REQUESTED A PAYOFF FOR MY MOBILE HOME FROM DITECH MORTAGE WHEN LOOKING AT THE PAY OFF SUMMARY THERE WAS XXXX THAT THE MORTAGE COMPANY INCLUDED IN THE PAYOFF THAT COULD NOT BE ACCOUNTED FOR. WHEN ASKED THE REP COULD NOT TELL ME WHY. SOMETHING TO DO WITH THE INTEREST RATE. BUT AFTER EXPLAINING TO HER THAT WE A FIXED RATE SHE STILL COULD NOT EXPLAIN WHY
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

A background check by Sterling contains erroneous information and resulted in adverse actions being taken against me by XXXX. The report summary shows XXXX XXXX Court Search ( Validator ) entry for XXXX XXXX Court which I have never had a case or conviction in another state. No verified data was provided for this entry which classified as XXXX XXXX.
Product: Mortgage

SLS - The mortgage still shows in the deceased name. A modification was applied for and denied, the XXXX is the eldest daughter. SLS can not prove the notice of intent was served to the XXXX because the letters and mortgage are still in the deceased name. No assistance from SLS when modification was denied - XXXX XXXX medical issues. Due to the irregularity in the notice of foreclosure, the foreclosure should be postponed and mortgage statement is placed in the XXXX of XXXX and XXXX is allowed to make the decision to short sale the property. The wife and XXXX daughter occupy the home - the youngest is UNDER XXXX. Also, this is a HURRICANE DISASTER ZONE. A furlough on all foreclosures in this area was required by the CFPB for 90 days. 

Since there are numerous irregularities on the title, the foreclosure is invalid. Especially because the home is in a XXXX Disaster XXXX. 

The previous CFPB complaint was rejected by SLS stating no authorization. Since a modification was file and I will attach evidence, that is not true. I did email and fax in authorization for me as the attorney on record.
Product: Credit card

Delta SkyMiles Gold Amex Card Earn XXXX XXXX Bonus XXXX For The Value-Seeking Traveler Get special benefits like your First Checked Bag Free on Delta flights2 *After you spend {$2000.00} in purchases on your new Delta SkyMiles Gold Amex Card in the first 6 months. Offer ends XX/XX/XXXX, XXXX1 Enjoy an introductory annual fee of {$0.00} for the first year, then {$99.00} Rates & Fees. 


I spent the {$2000.00} and they never gave me my points
Product: Credit card or prepaid card

In XXXX I have disputed a charge for {$28.00} with a merchant XXXX XXXX as there was a problem with the transaction. I contacted the merchant and he agreed to issue a full refund after receiving the merchandise back. 
The merchandise was sent and received and instead of full refund Mr XXXX issued small four refunds that didn't amount to the total of the purchase. 
I have contacted Barclay Card and disputed the purchase. I was then told that the remaining balance will be disputed to make sure that the full amount of purchase is credited. However on XX/XX/XXXX I received a notice that the Barclay Card only credited {$1.00} to my account. 

1 ) Why the overseas call center personnel misleads consumers?

2 ) Despite a long wait, the BarclayCard is issuing a statement that it provides no longer a card suspension service on the phone in violation of its credit card agreement and US laws. It is using a COVID-19 excuse to suspend it services to the cardmembers offering only an online option that is unavailable to people with poor or non existent internet connection.
Product: Debt collection

This Harris and Harris Debt Collectors calls my non for profit organization ( XXXX XXXX XXXX XXXX XXXX XXXX ) on a daily basis. We have no long-term Accounts payable or Accounts receivable, and have no need of Harris and Harris ' services. I have call this company and complained several times, especially since my organization is closed and ceased all operations, except for basic maintenance of the building. It is practically the only voice message I get and I want it to stop!!!
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. Please remove these items from my account. 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 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 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

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days past due on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Prepaid card

Hello, I had been gifted an AMEX gift card from a friend. I have not been able to use this card on any of my desired purchases. 

The card has been consistently declined across several online platforms, including XXXX, XXXX, digital software providers, and video game platforms, all of which are known to support AMEX payments. I have called AMEX gift card support for a solution, where I ( as well as the original purchaser ) was unable to even be connected because the automated assistant is unable to find my card number and connect me. 

AMEX advertises on its website that the gift card can be used " virtually everywhere American Express Cards are accepted in XXXX and the U.S. '' This claim appears to be misleading, as my experience above has proven otherwise. I have never encountered such issues with gift cards from other vendors on the same platforms. The money on this card is a significant sum to me, and I wish for this to be resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX  AND XXXX  HAS ITEMS ON MY ACCOUNT THAT ARE NOT MINE/INACCURATE. 

ADDRESES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 

NAMES : XXXX XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX-NOT MINE PLEASE DELETE.