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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  / XXXX  Account Number : XXXX and list of Inquiries. 

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: Money transfer, virtual currency, or money service

Did transaction with # XXXX before 7 days after call custcare chat with them then XXXX XXXX chat support also but still no reply for my Money Can Please anyone resolve my problem as soon as possible Call me On XXXX XXXX - XXXX
Product: Credit card or prepaid card

I was on XXXX website on XX/XX/19 looking up tickets for XXXX to XXXX  and an American Express offer popped up that if I apply and get approved for the XXXX Skymiles card, I would get {$250.00} credit towards my ticket purchase if made within 30 days of account opening, also get XXXX miles if {$3000.00} in purchases was made within 3 months of account opening. I applied and followed the instructions on the prompt and was approved immediately with a welcome letter. I was given a {$9100.00} temp credit to purchase my ticket then and given my account number to use. I got the card in the mail with {$9100.00} credit line and spent {$270.00} in first month and paid that {$270.00} amount in full within 30 days. I never received the {$250.00} XXXX XXXX credit that was advertised. There were no further communications from XXXX or American Express concerning my credit card or the rewards being sent or not sent. When American express was contacted regarding issue via phone on XX/XX/19, I was informed that I wasn't eligible for the offer and they will investigate further. We were told the investigation # was Reference # XXXX / ID # XXXX. I never received any letter or indication on the prompts that I was not eligible for the offer, especially since they gave me the temporary card number and {$9100.00} to use for my XX/XX/19 XXXX  to XXXX ticket purchase. On XX/XX/19, I contacted American Express again and they had completed their investigation and said the same thing again. They could not provide me with any proof that I was not eligible for this offer, then why approve me? Over and over again from the American Express support reps I was told that it was probably because of another XXXX or Amex credit card I had in the past that is why I'm ineligible for a bonus, I have never had a XXXX XXXX credit card and I have had two American Express cards, one was my XXXX American Express which XXXX ended because they switched to XXXX and abandoned Amex a couple years ago altogether, and the other American Express card I still hold. My credit is excellent, over 800. I should have been shown a " Denied '' message during the bonus offer when submitting the check for eligibility but it never did that and everything showed that it was approve. My welcome letter received on XX/XX/19 indicated no such information of ineligibility, which should have been if the case was such so. This is false advertising and I was scammed into opening their card and paying a higher fee for the two airline tickets thinking I was getting credit when I could have bought with another airline for 25 % less. This is an example of bait-and-switch perpetrated by Amex and XXXX XXXX Amex are both profiting off of this scam.
Product: Debt collection

Hello, I received a debt collection letter ( via XXXX mail ) from : Southern Management Systems , Inc XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX XXXX Amount : {$100.00} Date : Between XX/XX/2022 and XX/XX/2022 I don't know what this is about as no other correspondence, bill or details have ever been sent to me. I have tried calling them during business hours but there is no voice mail box and no one picked the call. 

I need help as I don't have any other way to contact them. 

Thanks you,
Product: Debt collection

This is in response to case XXXX. 

I have requested multiple times in writing that Credit Systems Inc provide me with detailed and signed statements. Credit Systems Inc has still failed to provide a detailed statement as to what services were performed for the {$570.00} that they falsely claim that I owe. 

The CFPB website provides an easy way for Credit Systems Inc to upload the requested documentation. 

I also find it very suspicious that they claim that I owe them {$570.00} and I paid {$790.00}. 

I've attempted to contact this collection agency multiple times and they refuse to communicate.
Product: Credit reporting

FRAUDULENT BILLING FROM COLLECTOR FOR INCOMPETENT HOSPITAL BILLING DEPT.I HAD 100 PERCENT COVERAGE INSURANCE FROM ONE OF THE LARGEST MINING COMPANIES IN THE WORLD.XXXX PAID OR WOULD PAY XXXX PER CENT IF THEY WERE BILLED WHEN I PROVIDED COVERAGE INFO AT TIME OF SERVICE.SEE ONGOING CFPB INVEST. XXXX AGAINST COLLECTOR
Product: Checking or savings account

I discovered that a USAA account was opened in my name. I do not do business with USAA nor have I ever. I am not even in the military or related to anyone that is. I am a victim of identity theft. This is not the first account that was fraudulently opened in my name without my consent or knowledge. I have attached documentation. I have filed a police report with the XXXX XXXX XXXX. The report ID is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BEST EGG. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

BEST EGG XXXX Balance : {$0.00} BEST EGG XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card is missing completly from my Experian credit report. It is an ACTIVE credit card, and its appearing on all my other credit reports with XXXX  and Transunion. 

By removing my XXXX XXXX card from my credit report, Experian is reporting my total credit usage at over 80 % and that makes my score is being reported 50 points lower, because of this. My score is HIGH, above 700 on two other agencies, who still report my XXXX XXXX credit card, it was High with Experian too before XXXX XXXX disapeared. 

I am a paying member of Experian credit service product. There is no way for me to dispute the information as wrong on Experian web site. This is because the credit card does not appear in the credit profile at all. There is NO funcutioal way to select " other '' if it is not appearing on my credit report. How do you dispute something that is not there? 

Why is it removed all together? I checked my credit report via my Experian product for closed cards too. it is not appearing in that area too. Attaching screen shots of the card being present XX/XX/XXXX and streen shot of today shows NO XXXX  XXXX card. 

In reporting this complaint, I am selecting the check box to give permission for Consumer Finance Prtection bureau to publish my report for consumers to read. This makes NO sence how a credit card can just disapere? And, that my creditt score drops to 50 points because of the error, it prevents me from getting Credit products I want to apply for. Unless the credit provider excludes Experian and uses only XXXX or XXXX. XXXX and XXXX, XXXX XXXX them, they are still report my XXXX XXXX Card on my credit file, and report my Fico as HIGH fico. 

Please experian - resort my XXXX XXXX card to reporting, and Rapid frefresh my  score. 

Also - there is a fraud allert on the Experian report. Remove it, as I have a credit protection account with Experian i can monitor my own credit. I see no evidence of unauthorised credit pulls.
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 Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name XXXX XXXX XXXXXXXX : Account Number : XXXX INCORRECT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX 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: Debt collection

I received a call from someone telling me that they were going to deliver paper work to me. They gave me a number to call and an account #. Once I called they said that they were going to send me documents unless I set up payment arrangements with the company. I have given them money and made payment arrangements. This company would n't provide me with their Professional License #
Product: Checking or savings account

I gave robinhood financial all the documentation they asked for and verified myself and they still won't unlock my account.
Product: Credit card

I just had this happen with XXXX XXXX, this is not OK. Same thing happened again this time its Chase Credit Card ending in XXXX. XX/XX/2024, I decided to pay the card off and checked the full remaining balance and the current balance and paid the full balance payment of XXXX. The next day i check the balance and they came back and charged an additional interest of XXXX cents. I paid the XXXX cents so the balance was XXXX. I get back on here today XX/XX/XXXX and there are even more charges of XXXX in FEES and INTEREST yet havent purchased anything and paid this card off in full. I called and spoke with a CSR rep, asked for a refund, they said No, asked for a manager who also refused to refund the incorrectly added interest. I would like the interest refunded and the account to XXXX like it should have been without all the hassle. I did pay the balance of XXXX yet again today like I did for XXXX  XXXX so additional interest did not accrue, but I want the XXXX refunded as this is a matter of principle and ethics.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding inaccurate accounts on my credit report. Despite my previous efforts to dispute these inaccuracies directly with TransUnion, they have failed to take appropriate corrective actions as mandated by law. 

TransUnion has failed to ensure maximum possible accuracy in its reporting, as required under 15 USC 1681e ( b ).

TransUnion has not conducted a reasonable investigation into my disputes, violating 15 USC 1681i ( 5 ).

Outdated or unverifiable information has not been removed from my credit report in compliance with 15 USC 1681c ( c ).

I have submitted a dispute letter to TransUnion, identifying specific accounts that are inaccurate, outdated, or unverifiable. TransUnion either failed to provide adequate documentation verifying the accuracy of the accounts or refused to remove the disputed information despite lacking sufficient evidence of its validity. 

TransUnions failure to comply with the FCRA has negatively impacted my financial well-being in the following ways : Denial of credit applications ; Higher interest rates on loans and credit products.

Emotional and financial distress caused by persistent inaccuracies.

I request the CFPB to : Investigate TransUnions handling of my disputes.

Enforce the removal of inaccurate, outdated, or unverifiable information from my credit report in compliance with the FCRA. 
Require TransUnion to provide written verification of all corrections made to my credit report. 
Impose penalties, if necessary, to ensure compliance with federal law and prevent further harm to consumers.
Product: Credit reporting or other personal consumer reports

I have a settlement agreement with XXXX finance. When I received this settlement offer I called XXXX and spoke with a settlement agreement customer service specialist at XXXX and she informed me that if I accepted the settlement offer the account balance would immediately be updated to {$710.00} as that is the 5 % total balance we agreed on in the settlement, and the account would be reported as closed with the {$710.00} paid in full. I accepted the settlement agreement, signed the contract and paid the {$710.00} in full on XX/XX/. I even contacted XXXX via customer support email to make sure the correct reporting would be updated to the account by the next reporting which should have been XX/XX/, the representative assured me that the account balance would be updated to {$710.00} and the account would be reported as closed, she also sent me a receipt via email to confirm they received my payment. I see on my XX/XX/XXXX  report that XXXX finance reported to Experian the incorrect balance of {$13000.00} and an incorrect charge off reporting. That is completely against our settlement agreement and this is a clear violation of my rights to accuracy, privacy, and fairness and inaccuracies on a credit report can hurt my opportunity at credit. The actual balance I owe is {$710.00} according to the settlement agreement, the {$710.00} was paid in full on XXXX, the account is supposed to be reported as closed and paid. I have submitted numerous disputes recently about this inaccurate account reporting issue, this is NOT an opportunity for re-investigating anything this is simply me notify XXXX & Experian to update the account information on my credit report immediately after receiving this letter or both companies will be held liable {$1000.00} to me for every FCRA violation committed regardless of intent you will be held liable to me for statutory damages for violating 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit card or prepaid card

XXXX credit card through us bank lured us in with an additionalXXXX cents per gallon discount on gas once achieving XXXX grocery store points through loyalty program. On XX/XX/XXXX I made a formal complaint. They fixed my account after 47 mins on phone. On XXXX they didnt reward me again. On XX/XX/XXXX they put me on endless hold for 45 mins then hung up on me. I called locale store in XXXX and spoke with male manager named XXXX. He refused to help with this. I am owed {$17.00} for missing credit.
Product: Debt collection

I don't recall having a contractual relationship with XXXX XXXX XXXX Account Number XXXX.
Product: Debt collection

This account has been closed since 2018 the debt collection agency also called my employer which was a breach of security : i never agreed to do business with this company
Product: Credit reporting or other personal consumer reports

I Requested a thorough investigation to verify accuracy of information being reported for the accounts XXXX and XXXX. I sent the letters certified mail asking that all information be VERIFIED to be ACCURATE. I was told that the information was VERFIED to be correct. 

Both companies are reporting address on the accounts that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a certified validation letter to Wells Fargo Bank as well as Dealer funding/Innovate loan asking them to verify the account that their company is claiming to be charged off. It was verified as received through the postal service as received on XX/XX/2018. Per the fair credit reporting act and the fair Debt Collection Practices act they are required to provide written proof bearing my signature. They are reporting incorrectly and I am requesting that they fix this. Also Another letter was sent out certified asking them to validate charge off accounts on the XXXX of XXXX, 2018 and was verified as received on XX/XX/2018 as well. My next step will be taking them to court because are in direct violation of the Fair Debt Collections Act as well as the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

This is a notice to demand the consumer reporting agencies to update my utilization or delete. I, the consumer, have the right according to congress law, to remove or update any information reporting on my consumer report. 
Utilization information of my credit card experiences is a violation under 15 USC 1681a2. 


Please apply to all reporting credit consumer agencies.
Product: Debt collection

The information that was provided was not sufficient proof I owned that debt. The information did not include a signature, social security number, or details about fees and interest from original debt owed to current balance. Also the information given to was showed the current creditor different than the creditor trying to collect this debt. Also needs to be noted my email address along with other sensitive information was effected by data breach on XXXX in XXXX.
Product: Debt collection

To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed NCB MANAGEMENT SERVICES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. IF YOU DO NOT REMOVE I WILL SUE YOU IN COURT FOR DEFAMATION OF CHARACTER. 

FTC IDENTITY THEFT Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .AND STOP REPORTING THIS FRAUD ACCOUNT. 



COLLECTION ACCOUNT : NCB MANAGEMENT SERVICES Account Number : XXXX delete it from my credit report Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an unauthorized account listed on my Equifax credit report under the name XXXX XXXX XXXX. This account does not belong to me, and I believe it may be the result of an error or potential identity theft. I have previously attempted to dispute this account directly with Equifax, but the issue remains unresolved. 

Its important to note that I was a victim of the Equifax data breach, which compromised my personal information. Given the sensitivity of this situation, I am concerned that my data has been misused, potentially leading to this unauthorized account being reported on my credit file. 
To reach a fair resolution, I am requesting the following : 1. Immediate Investigation and Removal : That Equifax promptly investigate this account and remove it from my report if found erroneous or fraudulent.

2. Updated Report and Documentation : Upon removal, I request an updated copy of my corrected credit report, along with written confirmation of the accounts removal.

3. Compensation for Negative Impact : If this reporting error has impacted my credit score, creditworthiness, or caused any financial harm ( such as higher interest rates or rejection of applications ), I request compensation for the damage incurred.