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 following accounts have violated my rights. 


XXXX. XXXX XXXX OF XXXX XXXX XXXX {$7600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$3600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$5300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4000.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$9300.00} XXXX. XXXX XXXX CRED XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

It is the frontier flight credit card by Barclays. They promised five free flights and it was so difficult to get a flight. I could never find one to use it now they want to charge me an {$89.00} fee, which they call the annual fee on a card that I was never able to use simply put its fraud.
Product: Checking or savings account

Robinhood company had my funds and doesn't let me withdraw my own money my account is XXXX My name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contact TransUnion so many times since XXXX disputing hard inquiry witch are not unauthorized. I have send writing dispute. TransUnion never send me no documentation. I called transUnion and told me to send documentation like FTC I did what they told me and they never did anything all the time I called and said they will put my case hire up for someone to call me and no one does and never gets resolved keep mention to send them report when they could see the one I send. Please removed the hard inquiry unauthorized.
Product: Debt collection

On XX/XX/XXXX at approximately XXXX XXXX Portfolio Recovery proceeded to make via contact skip trace to a phone number of relative. Instead of trying to locate me the informed the individual about my debt, the amount owed and a letter they sent out which I never received. My understanding is that my debt information can not be shared with anyone who is not associated with the account and/or granted permission by me. I have not given any one permission to receive information about this account. After they disclosed confidential information regarding my account they then told the relative that it was against the law to contact the original debtor which is not true. They continued to fall harass and threatened the relative until the relative ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax and try open up a dispute on few accounts that are not mines and I marked them as fraud and send in some documents to them few times for three frauldent accounts which are XXXX XXXX   AND ANOTHER XXXX XXXX AND LASTLY XXXX XXXX XXXX XXXX XXXX ... XXXX I didn't apply for these accounts and Equifax keep disconnecting my phone calls each time I call and I have to call again and be on hold between 20-45 mins each time and this is getting frustrating and I don't have no patience at all and I have things to do with my life ... XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have had credit cards with Citi Bank for year and had never had a problem. On XX/XX/year>, I opened a checking account and a savings account with Citi Bank. I transferred {$55000.00} from my XXXX XXXX savings account to my new Citi Bank savings account. The transaction on XX/XX/year> shows on my XXXX XXXX statement. I transferred that amount to my new Citi savings account hoping to receive the APY they offered by that time, plus {$750.00} if I kept my money there after 3 months. On the XXXX at night, I tried to access my account online because I need my funds for an emergency. My accounts were blocked. A message popped up every time I tried to access my online account through Citi.com or the Citi app. As of today, XX/XX/year>, I can still use the credit cards I have with them which it's very strange because they say my accounts were blocked for fraud prevention but I can still use my credit card? It doesn't make any sense. I don't have access to any activity, though. I stopped using my Citibank cards because of that. I can't even see how much I need to pay. The bank keeps saying they will send me a letter with the instructions on how to complete the verification letter, but I haven't received it yet. They said they mailed me one on XX/XX/year> and I had to wait 7 to 10 business days. I waited 10 business days and I didn't received it. Now, they said they mailed me another one on XX/XX/year>. As of today, XX/XX/year> I haven't received it either. Despite my efforts to prove my identity, giving them every single information they need, talking to different representatives, calling different number, talking to Citibank Executive Response Unit which opened a case or different cases ( I'm not even sure because they gave me different case numbers ) nothing has been resolved. This is causing financial distress, and stress to my life. I am in extremely need of my funds. 
I have records of the phone calls I've made in case you need that information. But here are the agencies I've filed a complaint and the case numbers : *OCC XX/XX/year> - XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX *CFBP XX/XX/year> - # XXXX. This case has been closed without any resolution. Citibank responded they sent me the letter but I haven't received it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Attorney General CA XX/XX/year> XXXX XXXX, Attorney General NY XX/XX/year> *IC3 XX/XX/scrub>XXXX XXXX XXXXXXXX XXXXCitibank Executive Response UnitI sent an email on XX/XX/year>. I called their phone number on XX/XX/year> and talked to XXXX, who said XXXX was responsible for my case and would call me back. She hasn't. I called again on XX/XX/year> and talked to XXXX, who gave me another case number and assigned my case to a different representative, XXXX, who will supposedly call me back until XX/XX/year>. 
Here are the Executive response Unite case numbers they have given me : XXXX XXXX XXXX XXXX I need to access my funds that have been held by Citibank for 22 days now. 
I'm in extremely need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint cia the help of the CFPB to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. 
XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$910.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$710.00}. I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report. I am including a copy of the dispute letter I recently sent with this complaint for your reference.
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. 

Account name : XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Agency name : XXXX XXXX XXXX, Date : XX/XX/XXXX, ( {$480.00} ) Agency name : XXXX, Date : XX/XX/XXXX, ( {$2.00} ) Agency name : XXXX, Collection, XXXX XXXX, Date : XX/XX/XXXX ( {$260.00} ) Agency name : XXXX, Collection, XXXX XXXX, Date XX/XX/XXXX ( {$170.00} ) 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 an 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, 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: Payday loan, title loan, or personal loan

I applied for a loan with Greensky for some foundation work with XXXX XXXX XXXX. I was approved for the loan however the company couldn't do the job until XXXX months later. When I started to make payments I was told that my 1year no interest was about to expire and a interest rate of 9.99 % will be assessed in the next XXXX months. Greensky started the loan without me making a transaction on the loan. I asked them to consider starting the no interest on the date the work was complete but they wouldn't agree. This was the most unfair loan process I have ever experienced, I'm still making payments after almost XXXX XXXX. I'm having to pay XXXX times the payment due to pay them off ASAP. My purchase window expired XX/XX/2020 now the interest that I have to pay is XXXX I could have saved if the Greensky would have processed my loan correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account appeared on my credit report on XX/XX/XXXX. I have never had a loan with World Finance Corporation nor have I ever done any business with World Finance Corporation. 
I was never contacted by this company via phone or mailed any correspondence in relation to this account that appeared on my credit report. I was never given the opportunity to request validation information from this company for this account that appeared on my credit report. I have never had a loan with World Finance Corporation. 
With no interaction or communication whatsoever this account appeared on my credit report showing it was from XXXX. This is not my account. I want this removed ASAP.
Product: Debt collection

As far back as United States, XXXX the United States Department of education has utilized a third party debt collector to report a debt they employees of United States Department of Justice/Great Lakes says the consumer who is also the original creditor owes. It is innerstood that United States Department of education without a valid contract has altered and sold the social security card, name and account number which is linked to the all capital name which is the property of the social security administration pursuant 42 usc 408 without written consent, authorization or disclosure pursuant to 31 cfr 1.32 and 5 usc 552a. It is illegal and unlawful to alter, trade or sell securities instrument which was only intended to benefit the beneficiary/card holder to monetize and gain profit off of which is monopolizing. The legal fiction all capital name is a pseudonym also known as debased dog XXXX in which debt collectors and credit reporting agencies are using to cause liability to the beneficiary/The Natural Living Man who lives in his mind, body, soul with blood, brain and a pumping heart. The language on the credit reporting are is false and misleading pursuant to 15 usc 1592e and with all three credit bureaus such as XXXX XXXX, trans union and the department of education/great lakes put up on notice by phone and online yet they refuse to acknowledge or do anything about these matters are civil liability for wilful noncompliance pursuant to 15 usc 1681n , civil liability for negligent noncompliance 15 usc 1681o , civil liability 15 usc 1640, liability of assignees 15 usc 1641 and criminal liability for wilful and knowing violation. There's evidence of the department of education/great lakes soliciting debt notices through the mail which is mail fraud pursuant to 15 usc 1692-harassment and abuse and 18 usc 1341-frauds and swindles . Grammatically every removed from the credit report because the foreign dog XXXX language has no jurisdiction with english which makes this type of act a violation of 15 usc 52-disemination of falsified information, deception, trickery also pursuant to 18 usc 1001 , 18 usc 1030- fraud and related activity in connection with computers, 18 usc 1038-false information and hoaxes, 18 usc 1343-fraud by wire, radio or television, 15 usc 1692k-civil liability and 18 usc 1028a-aggravated identity theft. Debts are sins and goes against the good faith of Natural Living Man and that debt which is tied to an all capital name, symbols and psuedoyms are liabilities and are outside the scope of what security instrument social security card, name and account number that's actually a credit card pursuant to 15 usc 1602L was created for. Lawful Men and Women put up their mineral rights which involved gold and silver and their sweat equity to bail out the United States Corporation during the 1933 Bankruptcy and that social security card, name and account is unlimited credit.
Product: Mortgage

BSI financial did not pay my property taxes in XXXX causing me to come out of pocket to avoid penalties. I contacted them at the time to request a refund, was told it was processing, and never received any follow-up or the refund check. 

My next property bill is due XX/XX/10 so I called them to ensure my bill gets paid on time. The representative was rude and dismissive and told me they would send the check XX/XX/10 which is the last day of the grace period. I verbalized thats unacceptable and will cause me to be charged late fees if they wait until the end of the grace period to pay and he continued to dismiss me and insisted they could not send a check by the real due date and they only pay at the end of grace periods. I reminded him they never paid at all last time and Im trying to prevent that from happening again and he dismissed my concerns yet again. 

The bill should be paid by the actual due date, not the end of the grace period. If I wait until the last day of the grace period like they instructed me to and they fail to pay my bill yet again, I will have to pay out of pocket and get slapped with penalties. This company is notorious for mismanaging escrow accounts. Please help.
Product: Bank account or service

Chase Bank charged me {$68.00} for XXXX overdraft fees because XXXX withdrew money from the bank account minutes prior to the deadline in which a {$34.00} overdraft fee will be applied. Chase has a blackout period and will not notify me via email or app notification of an overdraft if it occurs overnight. Chase refuses to return at least half of the money taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification on my Credit report that there was a new " loan '' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I did not open this account and have no contract or proof that this account is mine. This is fraudulent. 
I called the phone number and a 3rd party reporting agency said it is for a Rental agreement under my name and DOB in XXXX, FL which I do not and never have lived. 
This needs to be removed from my credit report and account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address.

The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person.

The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person.

The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address.

The Credit Reporting companies effect an erroneous change of address for two people.

There is a potential for ID theft!
Product: Debt collection

I had got a auto loan through Westlake Financial in XXXX of XXXX a few months later the vehicle started having electrical issues. Which was suppose to be covered by warranty and was not covered, I told them I cant drive the truck, pay for repairs, pay the car note and insurance. They suggested a voluntary repo I did not agree because I had paid such a large down payment around XXXX, They repossessed the truck while I was out to eat with my children, left us stuck at the restaurant. They ended up adding all kinds of illegal fees and charges that inflated the balance way more than what was owed. Recently during the pandemic I paid them the settlement amount they requested, on XX/XX/2020. They promised to remove it from my credit. It is still on my credit and now no one will remove it. Stating they don't do that, they tell you anything to get money and then they scam you thinking it will be removed off your report but then they do not remove it.
Product: Checking or savings account

On XX/XX/XXXX, I received a loan from XXXX XXXX in the amount {$350.00}. On XX/XX/XXXX, XXXX had my account was restricted and I couldnt access the account. My Social Security check was deposited on XX/XX/XXXX. XXXX refuses to release my funds which I will have to pay a penalty of {$25.00} per day. I was told it would take XXXX days to process my refund and the account will be permanently closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rarely use my XXXX XXXX card, so when my annual fee was charged to my card I didn't receive an email alerting me to the charge. I did receive an email 30 days later telling me the {$19.00} was past due. I called immediately, paid the amount and explained the situation. Due to the fact that I am an excellent customer, the representative, as a first-time courtesy, said that she would reverse the late charges and report it as a " paid as agreed '' status to the credit report agency. The credit report was never corrected as promised and it has hurt my score substantially and caused two XXXX credit cards to reduce my credit limit substantially. I would like to have this corrected on my credit report.
Product: Credit card

I always pay the full balance of purchases that I make each month when I receive my Discover Card. 
On XXXX/XXXX/XXXX I made a {$460.00} payment by phone to Discover Card so that my payment would be timely for the XXXX/XXXX/XXXX due date. I was given confirmation # XXXX. 
However on my next month 's statement Discover Card charged me a late fee of {$25.00} on XXXX/XXXX/XXXX. 
The next due date of XXXX/XXXX/XXXX I again paid my purchases of {$730.00} by phone on XXXX/XXXX/XXXX, I spoke with XXXX XXXX ( XXXX office ) and she gave me confirmation # XXXX for my payment. On XXXX/XXXX/XXXX Discover Card charged me a {$35.00} late fee plus {$15.00} interest for a balance that I paid timely. 
Discover Card continued to bill me for late fees and interest on the disputed late fees for every month thereafter. It has ballooned to {$130.00}. I wrote to Discover Card on two ( 2 ) occasions XXXX XXXX, XXXX and XXXX XXXX, XXXX and they have not replied. 
On XXXX XXXX, XXXX, I retrieved a credit report from XXXX and XXXX. My credit score went down due to XXXX negative entry posted by Discover Card. Discover reported that I was thirty ( 30 ) days late for the month of XXXX XXXX. I was not late. I paid the amount that I charged. I simply refused to pay the disputed late fees and interest. I have attached my statements and copies of my letters.
Product: Debt collection

This has been going on for months. By example, from XXXX until today, a company called MS. Gerald, XXXX, XXXX has called 8 times. 

Each time I pick up the phone and say hello, the call terminates. 

Tonight I called there number back XXXX. The rep was not forthcoming demanding personal information from me while I was demanding the legal address and the name of the owner from him. Once provided, he advised that if I gave him more information that he would then transfer me to whomever was researching a collection debt. 

My FICA is in the mid XXXX and I have no outstanding issues that I 'm aware of. 

It would appear that their tactics are to call and hang up until the consumer takes the initiative to call back and then can fall into some kind of trap providing additional personal information. 

After a few expletives i hung up. I 've not gotten any written advises or communications inquiring or informing me of a debt - period!
Product: Credit card or prepaid card

Dear Sir / Madam, I am the owner of an American Express Blue Cash Card for more than 6 months. During this period I have made all my payments on time, infact even paid my dues before time as I always do. 

I have contacted this company numerous time for a legitimate credit line increase from a measly sum of {$1000.00} to XXXX. But they flatly refuse to consider my request on the grounds that XXXX XXXX  credit score is not good enough. Also the low limit of XXXX dollars reflects negatively on my credit score and utilization for which I would rightfully hold American Express responsible. 

Over the last 6 months ( I can provide you the details of hundred of phone calls and app requests later ) the bank as been discourteous, unprofessional and at times discriminatory in their behaviour when it comes to good customers like me. I would kindly request you to intervene and put this one sided dispute to an end.
Product: Debt collection

This depth just appeared on my credit report today out of nowhere my credit report is being monitored for previous Fraudulent actions
Product: Money transfer, virtual currency, or money service

I was a victim to a scam about two weeks ago on XX/XX/2022. I reached out to this girl via XXXX because she was selling a pair of tickets to an event I wished to attend. The first thing I did was ask her for proof. She sent me proof of the tickets by sending me a screen recording of the tickets on XXXX. For various reasons, I concluded that the tickets were real. I then asked her which form of payment would be best. She initially offered to use XXXX XXXX but that did not work out so she suggested XXXX. Before I sent any money, I asked for an updated screen recording of the tickets and she sent it almost instantly. The timestamps were accurate and everything appeared legit. I then asked if I could purchase the tickets one at a time because I wanted to take the extra precaution. She agreed. Right before I sent the money, I asked for another updated screen recording and again, she sent it almost instantly and everything appeared legit. I then sent the money to the email she provided. The first transaction was of {$280.00}. I then waited for her to transfer the ticket. She asked for my XXXX information and proceeded to transfer the tickets. She then sent me a screenshot of the XXXX website which stated that she was not able to transfer just one ticket because the two tickets share a barcode. She would only be able to send the tickets as a pair of linked tickets. Seeing as I had already sent the money for the first ticket and the screenshot appeared legit, I agreed to send the money for the second ticket. However, after I did and I sent her confirmation of the XXXX payments ( two separate transactions of {$280.00} ), she began to respond with less frequency and I still had yet to receive the tickets. I then messaged her multiple times and she wouldn't respond. I asked for my money back and she didn't respond. She then blocked me. I immediately called my bank to dispute the charges seeing as it was a scam. My bank is Chase. They told they would be unable to issue me a refund because I authorized the payments. They however said they would file a claim for XXXX and see what XXXX could do. I received an update and Chase has said they will not be able to give me my money back and that I should reach out to the merchant. This is not a solution seeing as the " merchant '' is a scammer. My friend has also been scammed in a similar manner, also via XXXX, and she was able to get her money back so I don't understand why I am not able to.