23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681. 

Account name : XXXX XXXX, Account number : XXXX ; Account name : XXXX XXXX  Account number : XXXX ; Account name : XXXX XXXX XXXX XXXX XXXX, Account number : XXXX XXXX ; Account name : XXXX XXXX XXXX XXXX XXXX Account number : 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 card

I signed up for an American Express Blue business card. The promotion stated if I spent {$3000.00} in 3 months I would get {$250.00} credited to my account. I did, and I got the bonus. XXXX month after signing up for the card, the {$250.00} bonus was revoked from my account. When I called to ask why, they said I failed to spend {$5000.00} within the first XXXX months of having the card. I went back to look at the promotion and could not find that information in the fine print. I filed a claim with American Express on XX/XX/XXXX and they said they would get back with me in 7 days. It is XX/XX/XXXX and I still havent heard from them.
Product: Consumer Loan

During my duties as a Vice President of XXXX, XXXX, a construction company on XXXX XXXX, XXXX of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of Florida. In many occasions I requested to Mercedes Benz Financial to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to Mercedes Benz Financial to remove any negative information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to dispute inaccurate information on my XXXX, equifax, and XXXX credit report.I have ask both companies to send me any documents with my original signature, or proof that shows that this is my account. This inaccurate account is hindering me from getting my career started. I have never filed for bankruptcy. 

All three bureaus are reporting that I filed for bankruptcy. Please delete this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal and employment information is incorrect. 

Unauthorized inquires are on my account XXXX derogatory accounts are listed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALL CITI BANK ABOUT AN PREVIOUS CREDIT ACCOUNT AND THEY TOLD ME THEY DONT HAVE ANY INFORMATION ABOUT MY PERSON AND THIS MENTION ACCOUNT DUE THE FACT THEY SOLD THIS ACCOUNT TO XXXX XXXX XXXX, XXXX XXXX ( THEY SOLD ALL MY INFORMATION IN A PORTAFOLIO TO XXXX ). 
I ASK THE CITIBANK AGENT IF I OWN CITI BANK ANY SUM OF MONEY AND SHE SAD NOOOOO!!! 

I CALL XXXX XXXX XXXX, XXXX AND THE AGENT OF THIS COMPANY TOLD ME I DO NOT HAVE ANY CONTRACT OR AGREEMENT WITH XXXX XXXX BUT I NEED TO PAID XXXX XXXX DUE THE FACT I OWN CITI BANK .... ( XXXX ) I DO NOT OWN XXXX XXXX NOTHING!!!! 
WE DE DONT HAVE ANY BUSSINES, SIGNED CONTRACT OR AGREEMENT.
Product: Credit reporting or other personal consumer reports

The date of the opened date needs to show XXXX on my credit report and they are stating a start date in XXXX which is incorrect. They need to correct the date to XXXX which is when the below fraud started with this company that no one seems to put a stop to so they do not continue scamming people. My original story is below. 

I Started with freedom debt relief XXXX XXXX years ago in XXXX I enroll XXXX XXXX accounts in debt paying {$370.00} a month. I was recently offered A loan through consolidation plus which was misleading and confusing where they settled remaining XXXX accounts in debts and paid a total of {$11000.00} for my accounts. After they settled all my accounts and finalize my loan they are now asking for XXXX To be paid in 48 months at {$500.00} a month. So almost XXXX years later Im back at {$24000.00} in a loan debt for another XXXX years. I am in the process of an attorney and I am also reporting this to the state attorneys office in the meantime my credit score has been damaged all this time and it seems it will be a long time before I can recover because I have refused to pay this amount. I have done some research and I have found consolidation plus and FDR freedom debt relief Are indeed the same company and I have seen where they have also been sued for the same reason I need help to be able to move forward And stop these people from the continuous scam.
Product: Checking or savings account

On XX/XX/ 2019, I set up an online bill pay to be sent to a particular address XXXX XXXX XXXX  and Chase sent the payment to the original creditor which is XXXX XXXX. I have called XXXX XXXX  on numerous occasion regarding this payment and they have not forward it the payment to XXXX XXXX. Additionally, Chase will not refund the funds back to my account The only thing that Chase Bank said they can do is send me a proof of payment that the payment went to XXXX XXXX XXXX. Due to the fact that Chase Bank sent this money to XXXX XXXX in error, they should be required to send me my money back in the amount of {$690.00}.
Product: Credit reporting or other personal consumer reports

I am a living person, I'm a natural human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have rights to privacy and I do not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I sent US {$100.00} to my cousin in XXXX using the services of Western Union.  For this transfer I paid US {$8.00} transaction fee. The recipient was unable to receive the money on XX/XX/XXXX despite presenting the correct tracking number ( # XXXX ) and the valid government-issued ID. The recipient was told that the information about the transaction was not in the system. On XX/XX/XXXX I contacted Western Union by phone and was told that Western Union does not know the reason for this problem. They suggested that the best course of action would be to send me back the money so I can re-send. WU also agreed to return the transaction fee. 
On XX/XX/XXXX I went to WU branch in XXXX MA to receive the money and was able to get back US {$100.00} but not the transaction fee. Despite spending there more than an hour I never got the clear explanation why the transaction was not completed and why the transaction fee has not been returned
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Checking or savings account

I've had multiple issues with Huntington National Bank with the mishandling of my account. 
Huntington has mishandled a dispute I've submitted to the causing me to be late on my loan payments and causing me late charges, as well as the lender now in process of reporting to the credit bureaus and filing a lawsuit against me. 
I've tried in good faith multiple times to speak with somebody, and nobody is trying to assist me, in fact, the supervisors that I was connected to didn't try to help. The supervisors XXXX ) Refuse to provide their names XXXX ) Refused to provide a means of contact of email XXXX ) Refused to provide a contact number XXXX ) Refused to provide their I.D . number XXXX ) Refuse to provide a higher supervisor to me. 

This refusal to cooperate in a financial investigation has sparked me to contact you. 
Huntington 's negligence has caused an issue where they've lied multiple times to me about the errors on their behalf that they now don't even want to take care of the issue before it gets out of hand.
Product: Credit card

I got a new cell phone and updated my new number on website. Since then Chase 's website does not recognize me and requires me to go through a long process to verify my identify which can take XXXX minutes or longer. Customer rep takes a long time to " fix '' my login to get me into my account. However the next time I try to access my account I have to go through the same long process again. This happens again and again ( XXXX XXXX ). Not having easy access to my accounts does not allow me to monitor charges.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I was scammed on cash app from someone name XXXX, he constantly changes his name so he can scam more. The scammer took XXXX USD off my account. At that time I contacted cash app and the Bank by phone. The bank was able to assist by blocking the transaction immediately however my account showed XXXX USD. 
Cash app had said they would look into it then but nothing was done. I kept following up until cash app support saying the case close because Im out of the 72 hours window. Apparently the person I spoke with initially gave me incorrect information on resolving the issue. 
I have not used cash app since, however yesterday, XX/XX/XXXX, I received XXXX from a friend on cash app and it was taken off by cash app. 
On inquiry I was told that cash app took it to cover the negative balance. 
Im the victim in all this and they did not dealt with my issue from it happened, instead left it for me to repay and the scammers still having fun. 
I contact the support manager, XXXX, she was super nasty and condescending. She told me she can not help on the matter and tried to flip her rudeness into me.
Product: Student loan

I have student loans from XXXX College called Genesis loans. From what I understand based on an article on your website, these loans were supposed to be reduced by approx. 40 % as a condition of the sale of XXXX College to a new owner. This article was from XXXX, 2015. From everything I read, this reduction should have been automatic with no action required on my part. But as of today, my loan balance has not been reduced at all. It is still around {$17000.00}. I would like to have the reduction I believe I am entitled to based on all the fraudulent practices of XXXX Colleges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a credit card account on my credit reports that are NOT mine. I have reached out on several occasions requesting proof that I am an officer or owner of the corporation who the account was opened for. They have yet to provide such proof. In addition their employees are misinforming and breaking CHASE policies listed on their website. Only an owner, officer of the company or officer with POA can open an account. I have also written to the credit bureaus requesting this account be removed from my credit report as it has damaged my EXCELLENT credit history.
Product: Student loan

To whom it may concern I previously had XXXX, and was changed to Mohela. I kept on getting phone calls saying that I was approved for student loan forgiveness. Not knowing if this was a scam or not I didnt give any of my information out so I tried to call Mohela and can not get a hold of anybody. They keep raising my payments and Im trying to get on a repayment plan but trying to figure out why they keep changing the amount do to the interest are effecting my amounts. Ive stayed on the phone waiting and I can not get a hold of a person. I want to make sure that the phone calls that I was receiving about me being approved for student loan forgiveness were legit not a scam, I dont know what else to do but to contact you guys to help me. My account number with Mohela is XXXX. Below it is my email my phone number my email does have a Y in it its not a G. 


Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Professional Bureau of collections account no.XXXX appeared for the 1st time on my XXXX credit bureau in mid to late XX/XX/2018.The original creditor had been paid 4 months before and said the collection was in error.XXXX today possess a letter from the original creditor saying the debt was paid and gave a contact number to verify.XXXX via phone call service to XXXX said they had received the document but hadn't yet ruled on the matter.I have attached here letters from the original creditor saying I do not owe the debt  and that debt was paid in XX/XX/2018.SO WHY IS THIS COLLECTION ACCT APPEARING ON MY XXXX REPORT IN LATE XX/XX/2018 AND WHY DIDN'T XXXX DELETE IT IMMMEDIATELY AFTER SPEAKING WITH ME TODAY. 
CFPB PLEASE PUT THESE COMPANIES ON YOUR WATCH LIST FOR LEGAL ACTION.THEY HAVE DESTROYED MY CREDIT WITHOUT THE RIGHT TO DO SO.
Product: Credit reporting or other personal consumer reports

My credit report is showing a major inaccuracy and it is causing me unnecessary panic and stress. This error in reporting is affecting my day to day life and more importantly my ability to get a car, which I desperately need. The bureau really failed to make sure that they did their due diligence and did not check the accuracy of their information before reporting which is now taking the larget toll on me and my life.
Product: Vehicle loan or lease

I need my account to be added to the disputes against US Auto Sales. 
The car has been repossessed 3 times in a year, due to the insurance premium they illegally added to my account, even with me carrying my own insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent the attached letter to the courthouse asking if they report bankruptcies to the credit bureaus, and I received a letter stating " The U.S. Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. If this is the case, how do the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to 15 USC 1681.

According to 15 USC 1681 section 603 ( 3 ) ( E ), the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumers reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 U.S.C 1681. According to 15 U.S. C 1681 section 602 A states I have the right to privacy.

In addition, according to 15 U.S.C 1681 Section 604A, Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USCs-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please refer to the two bankruptcies cases below, XXXX XXXX Case # XXXX Filed on XX/XX/XXXX CXXXX XXXX  Case # XXXX Filed on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per15 U S 15 6801 that states non public information is protected from the public unless creditor obtains written consent to share information on my consumer report. I've never had a account with portfolio or security credit nor did I give wriiten consent to anyone to report the accounts listed below on my consumer report.Per 15 U S Code 1681b Permissible Purposes of consumer reports ' *XXXX XXXX XXXX XX/XX/year> collection *XXXX XXXX XXXX XXXXXX/XX/year> collection
Product: Credit card or prepaid card

Comenity Bank is not issuing the correct points associated with the advertised rewards points. They have denied any wrong doing to the CFPB and previously denied any wrongdoing despite me submitting an email from one of their agents that acknowledges that they are aware of the system issue and that rewards points are not being issued correctly. No communications about this were ever sent to the consumers and they have been trying to hide it and not give consumers the proper compensation for them breaking the credit card agreement by not giving the advertised points for purchases made. 5x points for Sony, 3x for internet, 2x for food 1x for gas etc. I have attached an email that states that they are aware that the correct points are not being issued. I submitted this previously and it was ignored and the case close $ without resolution. I sent this to the CFPB so you could act on the illegal actions, failure to act when notified and failure to communicate to consumers. Plain and simple I did not get the points I am entitled to and this is a broken agreement on their end. Why was the previous complaint closed without anything being done when the email I submitted stated and supported exactly what I complained about.
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged {$220.00} and {$180.00} by a company called XXXX transaction # XXXX and XXXX I called and was able to dispute the charges when I never received product. On XX/XX/XXXX I received a credit for the {$180.00} and XX/XX/XXXX a credit for the {$220.00}. Then on XX/XX/XXXX the {$220.00} was rebilled to my card. I received no explanation. I called and was told they would reopen dispute so I paid my balance in full except for that amount. The next statement I received still showed that amount in the balance plus {$10.00} charged on XX/XX/XXXX interest because I did not pay the disputed amount. When I received this statement I called them again on XX/XX/XXXX after speaking with XXXX he transferred me to XXXX to XXXX to XXXX who got XXXX on the phone. XXXX was a customer service supervisor. Was told no way to speak with disputes dept. even they could only contact that dept by message. XXXX agreed to reopen dispute and credit the {$10.00} interest. He said pay {$370.00} to pay in full. After 2 hours and 12 min. I thought it was done. NOT. Received my statement today and {$14.00} interest was charged on XX/XX/XXXX. I called again today and after 45 minutes I was told by XXXX there was nothing she could do. I never received anything form this vendor and will not pay. This product is sold with a 100 % money back guarantee I could return empty bottles for a full refund if I had received it. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion tenant screening refuses to remove Case # XXXX ( civil dismissal ) from my record. This case number does not exist at all in Maryland 's court system. I have disputed this item with them several times. I was never evicted from this or any other property. It is illegal for them to have a non existent record on my screening report. Can you please assist me in having this item removed.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT UNAUTHORIZED ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX PLEASE REMOVE FRAUDULENT UNAUTHORIZED EMPLOYER : XXXX XXXX PLEASE REMOVE FRAUDULENT UNAUTHORIZED NAME : XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I let the rep know in the screen shoys in emails attached that XXXX is NOT repoerting to my XXXX or equifax account. On our phone call also previous conservations with XXXX they report to all 3 beaurus. In emails she said only 2 beaurus. Its currently reporting only to XXXX. I'm asking Equifax to do their dye diligence that this is reporting to Equifax and XXXX