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

I had a credit card with XXXX that I was not actively using ( I have since cancelled this card ). In XX/XX/XXXX they charged me for an annual fee that I was not expecting. I had not paid an annual fee when opening the account in XX/XX/XXXX so either this was waived for the first year or they later started charging an annual fee. I never received a bill for this charge. In XX/XX/XXXXI used the card for the first time and later in that same month I received a bill / late notice from XXXX in the mail. I was shocked at this because I thought this was somehow for the charge I put on the card earlier in the month. I immediately paid the bill including the interest and late charge by doing a wire transfer. 

In XX/XX/XXXX I checked my credit and was shocked at seeing my credit score 80 points lower than last time I checked. I then discovered that the reason was the late payment on this credit card. I called XXXX to find out what this was about and how to correct it and was basically told that nothing could be done. 

I then started a dispute with each of the three credit bureaus. I explained the situation, and that I could not understand how I could be considered late for not paying a bill that I was unaware of ( the annual fee ) and that I never received a copy of ( no paper statement, no email ). I further explained, as they can see, that I have never had a late payment in over 30 years of credit history. The answer back from each of the credit bureaus is that they contacted XXXX and were told that the report was correct, so they were not going to change anything. 

It seems to me that the dispute path is just a waste of time if all they do is ask the company if they are right and ignore the fact that I take issue with how the company mishandled the situation. 

I don't see how someone can be late on a payment for a bill they are unaware of. 

I have include a copy of the bill from the day I received and a copy of the wire transfer that was performed on that same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. XXXX XXXX, XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3100.00}, XXXX  XXXX Balance : {$210.00}, XXXX Balance : {$35.00}, XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 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 instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 USC 1681section 602 A. States I have the right to privacy.

15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

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

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

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

Delete the accounts below 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/XXXX
Product: Checking or savings account

XX/XX/XXXX The busiest time of the year in XXXX, I am shopping for XXXX gifts - a very long list of things to do before the holiday and USAA has locked my account. Locked access to roughly XXXX XXXX I have been on hold for XXXX hours now. The first hour was abruptly ended when they hung up on me while being on hold. I am still on hold. Scared to death that I can no longer feed my family this XXXX. 

USAA an institution were supposed to trust to take care of our veterans and their families is ruining my holiday and potentially responsible for emotionally traumatizing myself and my family with a barren XXXX this year because they can not communicate in a modern capacity nor pick up the XXXX phone.
Product: Checking or savings account

My pandemic check went into bank on XX/XX/2020 and I was in the hospital when I called to check my checking balance it was all there. I then went to withdraw money and my account balance says its XXXX. I called TD bank to try and sort out the matter and they said my account is locked and nothing they can do even though they are the ones who locked my account. Ive reached out to 3 different branches and all the same thing they cant do nothing to help. So now that Im out of the hospital my fianc just gave birth and my bal is XXXX and cant get anything I need for my newborn they pretty much told me not there problem. I did however call there 1-800 number and got somewhat of an answer the gentleman told me he can see the money trail as it was wired to my routing number and my account number and said I should have been able to acess it right away and Im just a little stuck here
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX XXXX stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ),

15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I am referring to XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : Opportunity Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Please promptly remove this data within XXXX business days pursuant to 15 USC XXXX XXXX avoid any further legal proceedings. Thank you for your timely compliance!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my Venmo account was frozen for suspicious activity the only activity that was done was through me transferring my money to my teen account. After submitting the proper documents they had me wait 3 days, and unfroze my account on XX/XX/XXXX just to freeze my account again not even an hour later. The customer service is rude, the supervisors all give different answers and I am still unable to use my account to pay my bills and may even face eviction. After sending them my ID, then a PHOTO and ID. I was told on XX/XX/XXXX that they would give back with me in two hours this was told to me by a XXXX XXXX of the supervisors at Venmo Customer Service. They did not get back with me, I had to call them just for another supervisor to tell me the complete opposite. These people are playing with my money. I have bills, if I have proved it to be me why am I still having issues. The supervisors who I had an issue with are XXXX, XXXX, and XXXX. The Account Specialist I had issues with name is XXXX XXXX XXXX XXXX unfroze my account then suspended it AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, I obtained my credit report through a recent request to your company. There were U. S. Bankruptcy Court items listed on my credit reports. Per theFCRA 623 ( a ) ( 5 ) : " If a credit reporting agency cannotVALIDATEthe information with the U.S.court system, they must remove said information from the consumer credit file '' The Bankruptcy Court has mailed me a letter that emphatically stated they doNOTprovide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information isNEVERvalidated by the U. S. Court system due to the Fair Credit Reporting AgencyPRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion has never validated or verified this public record entry on my credit report. They further stated while they are NOT liable or responsible for anyMISUSE or INCORRECTpublic records. Considering the information indicating & Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to bePERMANENTLY DELETEDfrom my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union attempts to collect on amounts already paid while failing to update the tradeline or add that the debt was disputed previously. The bill with a due date of XX/XX/2022, was paid on XX/XX/2022, via certified mail return receipt requested Ref # XXXX XXXX XXXX XXXX XXXX for the full amount. XXXX has published that the tradeline was updated XX/XX/2022 in which the amount of debt is alleged to be {$2000.00}, while Navy Federal Credit Union reports an alleged amount of {$1000.00}. Both amounts being incorrect as the bill is paid as the post marked return receipt. Navy Federal Credit Union is in violation of 18 U.S. Code 894- Collection of extensions of credit by extortionate means. XXXX is in violation of FCRA Section 611 Part ( A ) ( 1 ), by failing to respond to disputes or preventing disputes from occurring on their website and using deceptive means. I have a right to accuracy within my report and it must not be taken away by messages saying that I already disputed that account. Every time the account is updated without the statement or changing the amount is a violation of my rights and by law I am entitled to {$1000.00}. Navy Federal Credit Union has failed to identify the debt as disputed before I paid in violation of FCRA Section 623 and I am entitled to {$1000.00}. A demand for both of those amounts for the corresponding violation is made at this time.
Product: Credit card or prepaid card

Hello, On XXXX XXXX XXXX I woke up and saw that two unauthorized charges had been made on my Apple credit card at XXXX XXXX, one for {$310.00} and one for {$310.00}. I reported both these charges and froze my card immediately. Apple said they would dispute them and would get back to me in 90 days with the decision. Yesterday ( XXXX  ) I received an email saying that they had determined the charge for {$310.00} was fraud and I received a refund to my credit card. Today ( XXXX ) I received another email for the {$310.00} charge saying that they determined it was not fraud and I was responsible for paying the full amount. I re-disputed the charge and was informed that it will be another 90 days until I hear back. Their policy states that no one is responsible for any unauthorized charges to their card, which was both of those purchases. I do not understand why one was determined to be fraud and the other wasnt when they were both made at the same time with what I am assuming was my stolen credit card number. I also am extremely concerned about this and will not be using my Apple card ever again because I do not want to be held responsible for potential fraud charges. Ive had this card for over a year now and this is the first time Ive ever had a fraud charge on it.
Product: Checking or savings account

I had my tax return deposited into my credit, karma money spend account. When I had an issue with a charge on my account, I opened the dispute. Over the following 10 business days when speaking to Credit Karma agents, it was confirmed that I would receive a provisional credit on XX/XX/2023. This was confirmed by several agents and a supervisor on the evening of XX/XX/2023 I contacted Credit Karma again because no funds were made available on my account. They then said they had to escalate it to another department which will get back to me in 24 hours. It is now the XXXX I have filed several complaints about this mystery department that never gets back to me regarding my dispute, or the error of not providing a provisional credit. Upon addressing this issue, I have advised that Im aware that this is a violation of regulation E and I wanted to speak to somebody from the department that was handling my case. They said they are aware of what regulation E is, and informed me that they are not a bank. So I am now focused on an entirely bigger issue if they are not a bank who is handling my funds. They are associated with XXXX XXXX and online. It clearly states that ACCOUNTS ARE PROVIDED BY XXXX XXXX But XXXX XXXX declines any association with our account # s routing # s or savings # s. This raises A major issue as a consumer. What financial institution is responsible for mine and millions of others money? Credit Karma spend is taking no responsibility and XXXX  refuses to associate with those accounts. Im starting to believe that something fraudulent is happening with this institution, while misleading consumers that there a credited and insured financial institution. I need to know how to proceed forward. Im still waiting on a provisional credit while my dispute is being investigated, but furthermore wondering if I should get an attorney to take legal action to protect others from trusting there money with an unknown entity. Where are these account numbers issued from. What bank is responsible for our funds? And is this even Legal?!
Product: Debt collection

REVERSE MORTGAGE SOLUTIONS, INC keeps insisting they are in my financial business. Now they say They are BUYING ME INSURANCE AND CHARGING ME A FEE??? They have inserted themselves onto my homeowners policy as if they have some right to be there. They are removed every year. <P/>Now they have written me that they need to be " LOSS PAYEE '' on my business accounts. They are NOT A PART of my LIFE. <P/>They are like a tick burrowed in sucking blood from me and harassing an ID Theft victim that is elderly. <P/>I have the documents where my Insurance company removed them and XXXX REVERSE MORTGAGE , LLC they said they bought the " loan " from 10 minutes after I " signed for it. All baloney. <P/>I am attaching documents from my XXXX XXXX that parties were removed from my policy in XX/XX/XXXX-XX/XX/XXXX, the new policy and the deletion page. Same for XX/XX/XXXX-XX/XX/XXXX where REVERSE MORGTAGE SOLUTIONS, INC added themselves one again -- removed as soon as I saw, was sent new policy declaration page and the deletion of mortgagee page. <P/>Unbelievable for a company to be so ridiculous to scam money from elderly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account and several unauthorized inquiries from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a data breach, and these items were added to my credit file without my authorization. 
Fraudulent Account Details : Creditor Name : FST PREMIE Account Number : XXXX Date Opened : XX/XX/year> Balance : {$770.00} Unauthorized Inquiries : XXXX. XXXX XXXX : XXXX XXXX XXXX Date of XXXX : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX of XXXX : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX  Date of XXXX : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXXXXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXXXXXX XXXX  Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX Date of XXXX : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have sent a dispute letter on XX/XX/2023 to Experian and it has been more than 30 days and I have not received any response from Experian via mail. This is an FCRA violation. I even sent the letter with an Identification affidavit for my identity verification with no response. It has been more than 30 days and I have yet to receive a response from Experian. This is an FCRA violation, and the account must be removed.
Product: Mortgage

I applied for a modification in XX/XX/XXXX due to the loss of a domestic partner that contributed to bills and was denied. They requested I be placed on a repayment/forebearance plan. My regular payments at the time were $ XXXX/mo. They approved repayment at {$2100.00} for five months to cover arrears and I would be current. Obviously, if I cant pay {$970.00}, I definitely cant pay over 2x that amount. Being defeated, I tried once again in XXXX, XXXX. After numerous calls with no updates or communication, I was denied again because the date on the application was older than 30 days ( it had been in underwriting with a complete package for the majority of this time ). By the time I was able to respond, it was too late. Fast forward to XX/XX/XXXX when I was advised I had a complete package. Ive called about 7 times to check the status only to be advised it was still in underwriting. They refuse to provide me any details around what steps have been taken nor whether theyd need any updated information and to call back in a week. In the meantime, the application is reaching that 30 day mark. Im sick of dealing with this company. I keep getting the runaround and am in great risk of foreclosure on my home. I will have no place to live. I need some transparency into this process. I know there have been class action lawsuits against this company because of their failure to follow due dilligence when people are struggling to keep their home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over my ftc report to equifax several time for information thats not mine on my credit report every single time they told me the information will be gone in 24-72 hours the information stion on my report
Product: Checking or savings account

I've been locked out of my account as they review it for security purposes. I have all the information they need to verify me yet they still won't unlock my account. My account has been locked for no good reason and I can't access my funds.
Product: Debt collection

I rented a home for 2 years and left the home in great condition with no problems. After renewing the lease for a XXXX year i ran into financial hardships and was evicted from the property. At the time I owed for 1 month of rent plus the new month, rent was {$1600.00} so at the most i owed {$3200.00} plus court fees. This company not only kept my security deposit which is understandable but they also put a {$33000.00} debt on my credit report. I called them as asked what is this and they could not explain why I owed these funds. Over the next few weeks I noticed the amount changed to {$19000.00} then to {$23000.00} and this is all confusing to me and my consumer report is reflecting these lies.