23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have opted out of credit reporting and American Express is acting unlawful by denying my request. American Express is in Federal violation. 

As per the provisions outlined in the United States Code Title 15, Sections 6802-6805, commonly referred to as the " Gramm-Leach-Bliley Act, '' creditors are required to provide consumers with the option to opt-out of having their information reported to credit bureaus before automatically opting them in. This legislation emphasizes the importance of consumer privacy and the right to control the dissemination of personal financial information. Therefore, creditors should afford consumers the opportunity to make an informed decision regarding whether their credit activities are reported to credit reporting agencies, thus safeguarding their privacy and financial autonomy.

After further review American Express did not provide me the option to opt-out of credit reporting and does not have specific provisions readily available that denies the consumer ( account holder ) the right to revoke consent to report my information to credit reporting agencies in the Card Member Agreement.

Further more these accounts are being reported as charge offs. American Express can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from American Express for the cancelled debt of the alleged debt in order to file as ordinary income. American Express where is my 1099-C? 

American Express is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! American Express has been HEREBY PUT ON NOTICE that they are furnishing incorrect, inaccurate, un authorized non public information!
Product: Debt collection

I reached out this morning via email to have my ACH revoked. I explained that I was going through a hardship.I asked if they accept debit card. I explained that I am waiting for a new debit card because my debit card I had was compromised. I get a call at around XXXX I called back and I spoke to a woman and she said that my ACH was revoked and now my account is in default and I need to set up a payment and I can no longer borrow again. I explained that I sent an email explaining that as soon as I get my debit card I will call to set up payment arrangements. She wasnt trying to hear it the lady said you will receive XXXX calls a day. I am on a fixed income and Im barely making it. I do not need this harassment with the phone calls and emails. I would like communications to cease and desist until I am able to get back on my feet to make more money. 

I got a call at around XXXX from ( XXXX ) XXXX when I called back it rang and it said XXXX XXXX is not available please leave a message. I hung up because I have no idea who this is and when I looked up the number it was from the loan smith. The account isnt past due yet and they are beginning to harass me. I have dealt with a lot it is taking a toll on my health mentally and physically.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to XXXX, Experian, and XXXX XXXX about deleting negative items on my credit report. The items were not deleted. I do not own any of the collection accounts that are on my credit report I have sent letters in XXXX of 2024 and XXXX of 2024 to resolve this issue to no avail.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report, and I noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Product: Student loan

My student loans were originally serviced by Great Lakes. I had been making automatic monthly payments with them since 2020. But now, Nelnet has taken over my account against my will. They do not allow me to make any kind of scheduled payment. They call it " a known issue '' that has been around for three years, with no attempts at resolution.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : NAME OF ACCOUNT 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 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I filed a formal compliant in XXXX XXXX against my mortgage company, Ditech, because they had failed to acknowledge or resolve the numerous letters I had written trying to understand an escrow issue. Please refer to the CFPB XXXX # XXXX. I received a less than satisfactory response to my complaint on XXXX XXXX, XXXX. While parts of my inquiry were addressed, Ditech has since then failed to acknowledge or resolve the remaining parts of the complaint. I have not heard anything since XXXX XXXX, XXXX, yet Ditech promised to supply me the XXXX 's I had been waiting for and to reimburse me any fees or penalties I am due. 

So my new compliant consists of the following : 1. ) Ditech supplied all the correct amounts and disbursement dates and indicated that they would adjust my XXXX and send them to me. I would like to understand how the error on the XXXX can happen in the first place? I would also like to understand why I have not received those corrected XXXX. No explanation or resolution after almost one year of disputing this is unacceptable. 
2. ) I would also like to understand the credits and disbursements made. If I look at the escrow analysis you provided it shows that a payment was made to the County in XXXX XXXX for {$1200.00}, but then in XXXX XXXX a credit showed of {$1500.00}. Why is there a difference in the amount? Same thing for XXXX XXXX, a payment was made in the amount of {$1400.00}, but a credit in XXXX XXXX for {$1700.00} was received ... why the difference in amount? It appears as if the credits are more than the payments, so I would like to understand that. 
3. ) I received notification that a disbursement of {$1800.00} was sent to the County on XXXX XXXX, XXXX. I called Ditech Customer Service and they indicated it was because the County refunded Ditech for my Parcel #, but Ditech sent it back. When I spoke to the Representative on XXXX XXXX, XXXX she was unable to explain why a credit was received and why it was sent back. I see that a credit was made to my escrow balance in XXXX XXXX for {$2000.00}, what this a refund from the County? If so, why did we send back only {$1800.00}? The representative told me she would get back to me in 14 business days, and as I file this dispute it is now XXXX XXXX. Almost 2 months later, and I have still not heard back from Ditech ( verbally or written ). 
4. ) I find this absolutely appalling that I ca n't even contact my Mortgage company and trust that I will get an explanation or hear back. I have to call, write, or file formal complaints to try to get answers. As a consumer this is very frustrating that I have to continue to business with a company like this and can not leave them unless I refinance and pay all the fees associated with this. I have a right to understand my mortgage, and should not have to keep writing in order to get a response to questions I have been asking since XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute several inaccurate items on my credit report. After reviewing my credit report, I have identified several negative items that are harming my credit score. The following items are incorrect and must be deleted from my report immediately : XXXX XXXX  Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the Fair Credit Reporting Act ( FCRA ), you are required to update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX - This is not my name. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, WI XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the FCRA, you are required to update this account and delete the inaccurate information immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that you remove it from my report immediately. According to the FCRA, you are required to investigate and verify the accuracy of this inquiry. 

I request that you investigate these items and take action to correct the inaccuracies on my credit report. I expect a prompt response from you within 30 days of receiving this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, 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
Product: Debt collection

On XX/XX/XXXX, I had XXXX  XXXX from XXXX XXXX of Colorado XXXX and was charged an additional {$250.00} by a contracted Surgical Assistant ( XXXX XXXX XXXX XXXX ) who identified himself as the Doctor 's assistant and not as a member of a separate organization. He had me sign an agreement I would pay {$250.00} and if my insurance declined his service, I would have to pay no more than {$250.00}. As my insurance had already informed I would be covered, I knew this would be returned. I emailed this contractor asking about my refund and received no response. I called the number on the emailed receipt, the number went to a realtor, so I disputed the charge. He contacted me and became defensive, verbally abusive and threatening. Weeks later, I received a collections notice from " Credit Collections Bureau ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) '' for {$1800.00} ( {$1800.00} for service and {$19.00} for interest ). I called Monday XX/XX/XXXX and left a message for my case worker with CCB and still have not received a response. I called Tuesday, XX/XX/XXXX and spoke to a general agent there and requested a " verification of debt ''. He instructed me to fill out a form online in lieu of sending mail, which I did, I also included the agreement which stated I was to pay no more than {$250.00}. I have not received an email or letter with " verification of debt '', per legal guidelines I am to receive this within 5 days. I called on XX/XX/XXXX to request this again and ensure my case was closed as if there was any collectable amount, it would be {$250.00}. They instead told me they had requested the " verification of debt '' from the contractor, meaning they took me to collections without proof I owed any money. They continued to tell me, that despite a less than legal contract ( I signed this moments before going into XXXX when I was certainly not thinking clearly, thereby under duress ), that the agreement stated I owed everything he was requesting not just the {$250.00} the agreement stated. 

This collections company is not providing a " verification of debt '' as required by law. They are also requesting to collect an amount that is contractually not what I owe.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my XX/XX/XXXX and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Act. # XXXX, XXXX, Act. # 1903 XXXX XXXX XXXX XXXX XXXX XXXX Act. # XXXXXXXX XXXX Act. # XXXXXXXX XXXX XXXX  Act. # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I let TransUnion know that inquires were made in my name without my knowledge. I have been a victim of identity theft and have attached the document that they keep requesting over and over but saying that they are not getting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and I checked my credit report and noticed that there are inaccurate negative accounts and the credit bureaus did not do a reasonable investigation. 

Fraudulent acounts : 1. XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Late Payments to Update : 1. XXXX Inquiries to remove : 1. XXXX 2. XXXX - XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7. XXXX  8. XXXX XXXX 9. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit report cleared of inaccurate information since it was brought to my knowledge that someone was utilizing my identity without my knowledge. I filed a police report in 2019 upon being notified of many items ( accounts, inquiries, public records, personal information ) on my reports that are NOT mine. I have written several letters to bureaus with police report and explanation of identity theft and they are not being cooperative and have NOT provided any documentation of proof to validate refusal to remove disputed information/accounts. I am trying to achieve government funding for a environmental improvement contract and this false information is ruining my credit reputation immensely.
Product: Debt collection

My identity was stolen and I never had this credit card in the amount of XXXX with KickOff
Product: Mortgage

I applied for the mortgage and received a disclosure statement. We agreed on the terms. They required me to pay for the appraisal, so I paid {$500.00}. The appraisal was completed, and the appraiser did a very poor job and undervalued our home. He used comps over a mile away in a lower priced subdivision bordering a highway when there were comps within .25 miles of our home. He left out critical details and upgrades, forgot to take pictures, did not adjust for the fact that we completely remodeled the home. 

I complained to Better and provided six alternate comps literally down the street from us that sold more recently. I asked for them to tell the appraiser he made mistakes. The valuation team would not consider the comps or address the issues with the appraiser. I had another independent appraisal performed afterwards that valued the home above my estimate. I offered to provide the appraisal and Better would not take it. The processer began threatening to withdraw the application if I did not accept the appraisal and continue providing documents. They never refunded the difference between the {$500.00} estimated appraisal fee I paid and the actual appraisal cost.
Product: Debt collection

I recently wrote and sent out dispute letter. I 've notarized, and certified by mail sent to Diversified Consultants, Inc. And I received the letter by mail and Diversified Consultants , Inc. refused to deleted inaccurate off my credit report.
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 These are the accounts that I have sent out letters to to the bureau to correct the situation and I have gotten back updated letters when it is inaccurate information on my account as well as fraud. ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested in 4 certified letter with copy of my SSN, Driver license to Equifax stating these 3 company do not have authorization in writing to run my credit however equifax is refusing to remove hard inquires from my credit report XXXX XX/XX/XXXX - Spoke to XXXX at XXXX they do not my authorization in writing to run my credit XXXX XXXX XXXX XXXX XX/XX/XXXX - Spoke to XXXX at XXXX XXXX XXXX they do not have written authorization to pull my credit XXXX XXXX XX/XX/XXXX - Spoke to XXXX at XXXX XXXX they do not have written authorization to pull my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint about BARCLAYS BANK DELAWARE. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action.

As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Product: Debt collection

I paid already my collection and didnt remove from my credit report and I was 3 or 4 week a go or give me any idea how long take to process it
Product: Debt collection

I received a credit monitoring alert on XXXX XXXX, XXXX which indicated that there was a new debt collection on my credit report. I retrieved the contact information of the company and contacted them immediately. When I told them I had n't received anything in the mail the representative told me that information was sent to address that she indicated she knew was an old address from XXXX. When I asked about receiving a call about the debt the representative claimed that they had my current phone number and they attempted to call me but there was no answer. She claimed this call was attempted on XXXX XXXX, XXXX which was 13 days after the company supposedly inherited the debt according to their records. I checked with my cell phone carrier after going through the call log on my phone and there was no call from this company, or any foreign number in my call records for that day. The representative asked me to update my address, however, I declined because I know they have it if they have my current phone number which is a number I have had for the last two years. When I asked the representative why they did not update my address the same way they updated my phone number, she told me that the company does not change the address that the original creditor provides. Which to me makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have no connection to these inquiries or the creditors mentioned.
Product: Credit reporting or other personal consumer reports

I recently discovered multiple fraudulent accounts on my credit report, indicating identity theft. This is hindering my ability to purchase a new family car. Please promptly remove these accounts to restore the integrity of my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX