23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

American Express provides all my private information to another individual which they have used to jeopardize my business relationships and possibly cost me a large contract. 
Twice in the last month, the past time on XXXX XXXX at approx. XXXX. An American Express collections representative called a public business line and provided much of my private information to a co-worker. The last breach which took place by a female representative name, XXXX. She never verified personal information to confirm who she was speaking with. This also happened in an earlier phone call in XXXX, 2016. The American Express representative provided my private Checking account information used to pay this American Express card. They also provided the following. 
- previous payments made -Last several charges - Payments that were returned - locations of many of my charges - Status of my American Express card - Spending habits _ provided my balance of {$27000.00} -provided the amount of time I was late - And MOST DISTURBING : the American Express representative initiated a large payment from My XXXX XXXX XXXX checking account of over {$6000.00} without my consent. 
I strongly urge you to listen to the taped records, particularly the XXXX on XXXX XXXX at approx. XXXX. 
This ex-co-worker informed others of my private issue with American Express which has found its way to current business dealings and cost my hundreds of thousands of dollars. 
I can prove without doubt the individual American Express spoke with on with occasions was not me. Please make sure the tapes are secured.
Product: Credit reporting or other personal consumer reports

Information missing from my XXXX  lease section on my Equifax credit report. XXXX has reported it to all XXXX credit reporting companies but XXXX has not added all the information given to them.
Product: Credit reporting or other personal consumer reports

I HAVE IDENTIFIED ACCOUNTS AND INQUIRIES ON MY CONSUMER REPORT AS A RESULT OF IDENTITY THEFT. ATTACHED YOU WILL FIND THE FTC REPORT, MY CONSUMER STATEMENTS, AND MY IDENTIFICATION PROVING MY IDENTITY AND THAT THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IVE TRIED TO CONTACT THE COMPANIES DIRECTLY TO NO AVAIL.
Product: Money transfer, virtual currency, or money service

I received XXXX class action settlement notices from Cash App saying that I qualified for a refund. When I filled out my claim form online I could never press submit at the end to receive a confirmation. I looked on my social media to see when payments were being rendered and some people had received them. I never received my payments or any notification that my claim went through at all. I tried multiple times on XXXX different computers but it did not work. It saddens me that I also just reported that someone stole my identity on cash app recently and created an account without my consent. So this is scary that I submitted my information and never received anything. Also, I was the guardian of my sister from XXXX earlier last year on my cash app account. She ran away and I begged cash app to restrict her account and send me the funds immediately. They never did and she was able to book her an XXXX, sneak out the window, and disappear. I missed work due to this and worried myself sick but the only service they could offer was chat messages which did nothing for days. Never got a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I disputed an unverifiable account with TransUnion that theyre reporting on my behalf. I even enclosed a letter coming from the original creditor stating that I was no longer in their system and they could not provide me with the information I was inquiring about. Fast forward to today, I have yet to hear back from TransUnion. They never responded to my dispute and continue to report this unverified account.
Product: Money transfer, virtual currency, or money service

Can't connect to XXXX, XXXX? Also, it used to work like 2 months ago.
Product: Credit reporting or other personal consumer reports

I am unaware of these accounts. They are not mine.
Product: Mortgage

My loan was transferred to PNC Bank ( without my knowledge ) on XX/XX/2021. They did not inform me of this until XX/XX/2021. That being said, I contacted my previous mortgage company to get their information and made my XXXX payment ( which was accepted and applied to my mortgage ) in XXXX and ON TIME. I received a collections call on XX/XX/2021 for my XXXX payment. I called the bank as the recorded line instructed me to do. I asked the representative that answered ( XXXX XXXX why I was being called and she said I was getting called by their collections department. I informed her that my payment was not late and after talking to two representatives who both informed me that I was late ( XXXX and XXXX XXXX in making my payment that I was getting called by their collections department ( on my work phone without my consent ), and that I would be assessed a late fee. When I explained to them that what they were doing was against the rules as set by the CFPB they still tried to tell me that I was late, but would not get a late fee unless the payment was not received by the XXXX. They did transfer me to their collections department. The individual I talked to in their collections department understood that I was correct and that what they are doing is not in accordance with Federal Regulations and stated that in accordance to the PNC rules I could NOT put in a cease and desist order stopping them from calling me on my work phone unless I took the action of writing to them. I have never given PNC permission to call me on my work phone or my cell phone. My loan was transferred to them without my consent or knowledge. This is creating a hostile collections environment for me when I am not even late in making my payments. They are trying to embarrass me at work, stress me out and may have even tried to illegally assess a late fee when the payment was not late. I have had many mortgages and have never received a collections call from any of them.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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: Debt collection

Three months ago I received communication from this company via the mail. At the time of getting this information I replied that this was not my account and that they need to validate and prove this debt was mine because I have disputed it with XXXX  XXXX as well when I received the letter stating it was sold. They sent me a copy of a bill and a letter from XXXX  XXXX that I have already disputed and said the account was validated and have since put this on my credit. I have had a fraud alert on my credit for 10 plus years and I have a police report stating that I have been a victim of fraud since 2007. The Police report number is XXXX and was filed with XXXX Police Department. The keep calling harassing me from different numbers all day I have asked them to only contact me by mail. I have literally blocked 45 different numbers.
Product: Bank account or service

I was notified from TD Bank that they will begin " processing transactions chronologically '' instead of processing deposits FIRST on a daily basis, effective XXXX XXXX, 2016. This will result in people who do not have enough money to keep a buffer in their savings account, or have to live paycheck to paycheck, being penalized for being poor. This feels like an attack on the working class, and they are unapologetic about it in the very same notification letter : " If you rely on deposits posting first to cover your daily expenses, this change may result in more overdrafts. '' It is a crushing and condescending letter that makes me extremely upset. It is my hope that the CFPB can take them to task and get this devastating new policy that will definitely not make one " More easily manage your personal account. '' Reversed. The letter is signed by " XXXX XXXX, Senior Vice President '' Thank you for your time.
Product: Credit card

There were fraudulent charges on my credit card on XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX I was working XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. On XX/XX/XXXX I was in XXXX Nj XXXX visiting my Parents and had a XXXX  appointment at XXXX XXXX  ( about 1 hour 45 min away from XXXX ). 

I used to live at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX up until late XX/XX/XXXX. I moved to XXXX XXXX XXXX XXXX PA XXXX and have been living in this address since early XX/XX/XXXX. Since then I have not visited XXXX or XXXX as I have been working in XXXX NJ during this time period. 

I believe the company sent a new card to my old address who used the credit card as the charges were made in XXXX area XXXX Since early XXXX I have not been in that area and those charges were not made by myself. 

I had received an email around XXXXXXXX XXXX  from CITI about suspicious activity on XX/XX/XXXX. It was about XXXXXXXX XXXX  on XX/XX/XXXX when I got home ( XXXX address ) from my dentist appointment 1 hour 40 min away when I noticed the email and called the fraud department at Citi. I explained that the charges could not have been made by me that Day as I was 1h and 40 min away and the previous day XX/XX/XXXX I was working from XXXX XXXX XXXX XXXX 

I called CITI fraud department multiple times and emailed them with proof which is attached to this email. My work schedule shows I was working XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXXXXXX XXXX during the time charges made on XX/XX/XXXX. I have a XXXX appointment email confirmation receipt of time and place showing location in NJ about 1 hour 40 min away from XXXX on XX/XX/XXXX. 

I called the fraud department on XX/XX/XXXX, XX/XX/XXXX, XXXX times on XX/XX/XXXX. 
I don't have the name of person I spoke to on XX/XX/XXXX, but I spoke to XXXX on XX/XX/XXXX, XXXX the first attempt and XXXX XXXX not sure spelling ) on second attempt. I also emailed XXXX on XX/XX/XXXX with all the info including my work schedule and dentist appointment without any help. They all assured my that it would be taken care of on the phone and nothing else further needs to be done. I just received an email regarding upcoming bill of {$470.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Debt collection

Account Resolution Services ( ARS ) has failed to respond my validation of debt letter sent certified mail - XXXX XXXX XXXX XXXX XXXX and they received on XXXX They are furnishing inaccurate information to the credit bureaus and hurting my credit rating!
Product: Credit reporting or other personal consumer reports

I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.
Product: Credit reporting or other personal consumer reports

Before verifying debt as " Accurate '' Please escalate this matter ( improper previous investigation, failure to provide these documents ) and this time please provide the following documents to verify the debt : 1. Original Contract or agreement with the original creditor 2. Billing statements or invoices 3. Payment history 4. Credit application 5. Assignment or transfer of debt documents ( if applicable ) 6. Proof of ownership or rights to collect the debt 7. Verification of the debt balance and interest rate Note : XXXX XXXX was previously removed from XXXX for inconsistent and inaccurate reporting. I request that you take immediate action to verify the debt and correct any errors. 

Please respond within 30 days from receipt of this letter. If I do not hear from you, I will assume the debt is invalid and take further action to protect my credit and legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of going back and forth with Experian, XXXX, and XXXX for the same inaccurate information on my credit report for the last 3 years!!!!! 
Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! This has caused me not to get approved into a home and not being hired I have been going back and forth with the bureaus for over 17 months for the same accounts below! I ask that you delete these accounts immediately and I want to get compensated for each violation as stated in 15 USC 1681N!!! These are violations and effecting my everyday life all XXXX accounts are inaccurate as they have date of last activity different with each credit reporting agency as well as other inaccuracies as they are reporting inaccurate dates and amounts for all 3 credit reporting agencies!!! Delete accounts immediately as it states in the FCRA. XXXX XXXX and XXXX XXXX also reports several inaccuracies and need to be deleted immediately from all 3 bureaus. I am completely exhausted of the back and forth and am actively seeking litigation!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in  XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXXXX/XX/XXXX ), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : XXXX XXXX XXXX XXXX {$8900.00} Reported balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the account XXXX XXXX XXXX XXXX is removed from my credit report due to unverifiable information. I sent a letter to the creditor and submitted a complaint through CFPB and this account has yet to be verified. This account was to be removed while an investigation was conducted but it was never removed. Now it has been XXXX months since my initial dispute and this account still has not been verified so how are the XXXX credit reporting agencies reporting this account as accurate? The complaint number for the dispute that was sent in XXXX through CFPB is XXXX. I have tried to dispute it directly with the company, to no avail. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After two attempts, Equifax has not resolved the issue of access to MyEquifax. I was given a password reset on XX/XX/2020 and attempted to gain access only to be transferred to a page to call the 888 number. Again the challenge questions asked have nothing to do with my credit bureau report that Equifax just provided me in the mail. I was then transferred to an agent after a 30 minute hold time and in the middle of explaining my problem the line went to a verbal survey and disconnected.
Product: Credit reporting or other personal consumer reports

I am promised accuracy in my credit `report based on federal law I am making this complaint as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d, 15 USC1666b, 15 USC 1601,15 USC 1602p all unverified and negative information must be promptly removed as you can see in your system that they can not verify this information and validate it so I request that you remove it now. Under 15 USC 1602p, all unverified hard inquiries shall be removed. The bureau verified they received all necessary information to be removed negatives on the account but willfully are non-compliant. Pursuant to 15 USC 1681n Civil Liability for Willful Non-compliance the bureau has to pay me {$1000.00} per negative disputed mark on credit they willingly refuse to remove. I have been verified by XXXX and TransUnion as being a victim of their data breaches and incorrect reporting that they fail and continue to willfully not comply with federal laws. This is a great interference of commerce that is preventing me from loans and pursuing a home starting my businesses
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  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 1

5 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 or prepaid card

The auto payment set up system has deficiency which induce to interest rates charges unfairly. 

The online/cell phone App Bank of America auto payment provides FOUR options : Amount Due, Minimum Amount Due, Account balance and Fixed Amount. If Amount Due was chosen, the system will default the Minimum Amount for auto payment charges WITHOUT ALERT. Users may consider the selected amount due as the TOTAL amount due at payment date. However, by end of next statement date, interest rates will be automatically charged because of positive balance due. 

Per my past 10 years credit history, I have no part due statement ever. And, I have the financial capability to make the full amount due. But due to the deficiency of Bank of America auto payment, I was unfairly charges interest rate fees and my credit scores were negatively impacted. 

All other banks such XXXX, XXXX or XXXX, if Amount Due was chosen for auto payment, system will either force users to select the amount of auto payment or default to the total amount due at payment date. In this way, users will be altered to specify a amount of auto payment, to avoid interest rate charges.
Product: Debt collection

PFC has 5 un-verified collection accounts on my credit and I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.