23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made {$7300.00} of purchases on my discover card using XXXX that should have received XXXX % cash back ( {$730.00} of cash back ). Thus far I have only received {$230.00} of cash back related to this promotion and am missing the other {$490.00}. I 've made several calls to Discover but nobody has been able to resolve this issue for me.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX The details of the account in question are as follows : - Original Creditor : XXXX XXXX XXXX XXXX - Account Number : XXXX - Account Type : Collection - Balance : {$7000.00} - Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - Date Last Active : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) The issues with this account are as follows : XXXX. XXXX XXXX with XXXX : ** I have no contractual relationship with XXXX. Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692e, debt collectors must report accurate information and must not use false, deceptive, or misleading representations. The absence of a direct contract with XXXX invalidates the reporting of this debt on my credit report. 

2. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for an extended period. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. Under the FCRA, information reported on my credit report must be accurate and not misleading.

3. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading. 

4. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. 

I have previously disputed this matter with the credit bureaus ( TransUnion, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

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

My accounts on the following companies were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

They have never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

XX/XX/2023 I had a unknown debt collection flagged on my credit report from the " CBE Group ''. Upon further investigation onto why this charge was put on my credit. I found the CBE group has multiple reviews showing they have done the same to other people who have taken legal action against the company for falsifying charges onto the credit report. I've contacted them through phone with NO reply and I've dispusted the charges on my account twice and they will not remove the false charges. I will be reporting them to the FTC if nothing on your end is done. This needs to be removed immediately due to I've been looking to buy a house and this unknown false charge is hurting my credit. Please assist me with this removal and flag this company for scamming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumers should be able to freeze their credit for free on XXXX, XXXX  and TransUnion. This is a vital service that should be free and available to everyone who has credit history in the US as these companies can not be trusted to store their data securely and protect their data against security breaches. No American should have to pay in order to help prevent their own identities from being stolen.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to XXXX, Experian and XXXX to dispute inaccurate account information. In accordance with 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies were to note that the accounts were under dispute. They did not change the account status. They violated the law.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX  I logged in to my Venmo account that I have used to store my money for years. I logged in with someone else 's wifi hotspot because I was on the train. Venmo then decided to totally suspend and freeze my account without explanation. Contacting them achieved nothing. They told my I could only 'reinstate ' my account by email and had to wait at least 2 weeks to get a response. I received an email from an automated system on XX/XX/XXXX to send a picture of my id. I did this immediately. I got the same email copy pasted by some fake XXXX XXXX  that is also clearly automated asking for the same information on XX/XX/XXXX. Again I did exactly as they asked. On XX/XX/XXXXXXXX  I received yet another email requesting the same information again. They are clearly using an automated XXXX XXXX to hold my money. I have done absolutely nothing out of the ordinary with my account except log in with a hotspot. They have frozen my account and refuse to help me, dragging their feet at every turn. Looking up reviews it seems in the last few months this has started happening to people constantly. Random account freezes for no reason and little to no recourse to get it back. All of my money is in this account. I desperately need to pay bills and I'm away from home right now. If I do not get access to my money again soon I will be stranded with no way home. Please help me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a text message stating it was from wells fargo asking if I made a transaction to XXXX for {$640.00}, I replied No and get a text message back stating that my card has been restricted and a phone call has been generated. I then received a phone call from a banker who stated that his name was XXXX and gave me his ID # XXXX. Once again asked if I made the transaction at the XXXX in XXXX FL. I told him no and he asked about another transaction he seen at a XXXX XXXX also in XXXX FL for {$400.00} and I told him no. He then sent me a text message from the same number asking to verify my username so he could shut down my online account, so no more transactions could be made. I responded and once he was in asked if i had added a XXXX XXXX to my XXXX account and authorized a transaction for {$990.00}, I stated no once again and a code was sent for me to call back to the banker to cancel the transaction. He stated that the transaction had been canceled and that my online account would not be accessible for 3-5 days and my new debit card would arrive in the mail. he asked several questions and sent different codes for me to call back to him. The original text came from XXXX the messages which the codes were sent from was XXXX. Keep in mind that I was at work and handling this call and reading the messages off my apple watch. After completing the phone call with XXXX, I continued to get messages from wells fargo letting me know that I had added 4 different recipients to my XXXX account through wells fargo. I called Wells fargo back later that afternoon to check on my account and claims and the wells fargo banker told me that no claims of unauthorized activity had been reported and no transactions to XXXX and XXXX XXXX had happened. I had been scammed and he used those transactions as a scare tactic to get my information and change my online account password and send out 3 different XXXX transactions totaling {$990.00}. The banker made 3 different claims for each of the transactions, and I forwarded all texts to XXXX. was told that it would take 10 business days for my claims to be handled. On XX/XX/XXXX I received 3 letters stating that each payment was processed as requested and my claims had been closed. 

The XXXX recipient was a XXXX XXXX with a email of XXXX XXXX. {$190.00} XXXX. {$390.00} XXXX. XXXX Totaling {$990.00} that was taking out of my savings account from a scammer. 

Original text message was from XXXX Phone call came from XXXX - Which is wells fargo costumer service line Scammer stated his name was XXXX and his ID # was XXXX
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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 reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, Equifax and/or the companies listed above that did the hard inquiries can correct this issue. 


I also purchased another vehicle from XXXX of XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX of XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, Equifax and/or the companies listed above that did the hard inquiries can correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/2017 XXXX {$0.00} Status Closed. {$320.00} written off. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 

XXXX XXXX : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure if these accounts are associated with my junior or if they are unknown and unauthorized by other means. However they are not mines and just knowing that my identity has been compromised is damaging enough but now I got ta fight to restore my true credit worthiness. I'm demanding all relevant information regarding these accounts. I'm seeking physical documentation as oppose to electronic verification inwhich doesn't bare proof of anything. As a consumer I would like all the details of the investigation. And if this can not be provided to me then these unauthorized accounts shall be blocked immediately from my credit report and filings. Please remove these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX {$6200.00} 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX
Product: Debt collection

On XX/XX/2024 an account was illegally reported to my XXXX credit report without prior verification or validation of debt. Violating my consumer rights under the FTC, FCRA, CFPB, and the GLBA rules and guidelines. After several unsuccessful attempts to receive information on this debt. I find this account to be fraudulently reported with the presumption to damage my finances, my credit, and my livelihood. The lack of transparency is unacceptable.
Product: Debt collection

I received a credit monitoring alert about a hard credit check on XX/XX/2018. I immediately called to inquire. They told me how to get it removed, and insured me that they would not allow so.e one to open a cred card or credit line with my social. I completed the arduous process they required me to dispute a credit check. I also made 3 addition al calls to make sure an account would not be open. They denied my inquiry to remove the inquiry from my credit report. I called again and was once assured there were no accounts under my social and that they would not allow that to happen. I found out in XXXX that there was in fact an account and PayPal started harassing me to collect it. I contacted them, to explain what previously happened and Express my concern and bewilderment. They immediately started trying to collect money from me and did not help. I went to the price department and filed a police report. I sent that I formation ti PayPal and called several times a week for a month or 2. They told me to stop calling because they could not share any information from me. They would not.tell me where the money went or what it was spent on. Despite that, they keep insisting that I owe them money. I have countless emails, letters, police report, etc ... I want this hard credit inquiry off or my credit report, I want PayPal to stop harassing a victim of identity theft, and I want them to fix my credit! How is it possible that they would allow someone to do this when ai contacted them the day I received a credit inquiry alert?! This is gross neglilgence and harrassment.
Product: Checking or savings account

On XXXX XXXX, 2022 two accounts were opened with my name, my SS # on line in the state of Virginia with PENFED Credit Union. On the same day, XXXX XXXX, 2022 there were two more accounts opened on line, one savings and one checking, with my name, SS # with XXXX that I have a credit line at their local office in XXXX XXXX Florida. I have cancelled these accounts but who knows what else was opened. On XXXX XXXX, 2022 a request was summited to have my US mail forwarded to another address from XXXX XXXX, 2022 to XXXX XXXX,2022. I was notified of this while I was out of town and contacted the local Post office to stop forwarding my mail, which took them a few days to respond to this request. I contacted the office for Federal Mail Fraud XX/XX/XXXX and made them aware of the Identity Theft and asked them to assist me. I have contacted XXXX, XXXX and XXXX to freeze my credit.
Product: Debt collection

FCC Finance LLC is illegally trying to collect on a debt I originally had with XXXX XXXX. This debt was in collection with XXXX  in XXXX. I received a call from FCC Finance around XXXX of XXXX saying they were working with XXXX XXXX to collect the debt. I offered them a settlement at that time not knowing they had purchased the debt from XXXX. A month letter, I get a credit update saying I owned FCC Finance a loan balance from XX/XX/XXXX. FCC Finance is claiming I have an open loan with their company. I have never filed any request or signed up for any loan with FFC Finance. They purchased a debt and turned it into an open loan with payments due. This is illegal. This debt was in collection  for 4 years and now they are saying it is a current loan with missing payments. I reached out to the company and they refuse to adjust my credit report. This has caused me financial problems and a personal hardship. I have contacted the FBI and an Attorney to investigate the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Requested from XXXX XXXX to place a fraud alert and to removed this card. Contacted the credit card company and informed them this is not my credit card and it's not my name. Because it's not my name they refused to remove the credit card or post a fraud alert. Also posted a fraud alert with XXXX and they said I needed to report this to this organization. This is the credit card information. JPMCB CARD SERVICES XXXX {$1400.00} {$35.00} - Name on card XXXX XXXX The credit card company and XXXX XXXXXXXX said they would not help because I do not have the credit card number, my name is not on the credit card.
Product: Credit reporting or other personal consumer reports

I am invoking my right to dispute and investigate these accounts, as they are wrongly listed on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B requires us to report any inaccuracies in a consumer 's report.
Product: Credit reporting or other personal consumer reports

The report is full of errors and considered invalid. They have failed to investigate issues raised over the last few years and continue to report false information that has prevented me from moving due to the low score that is populated from old information reporting and invalid information despite me proving that some if not all of the information is false. Also I have proven that they are reporting on a predatory loan that company admitted and its still on my credit report. 

I am filing this complaint because [ XXXX XXXX has failed to properly investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, XXXX and more. 

I want to bring to your attention that both XXXX and XXXX have faced legal action for similar violations. Specifically : XXXX XXXX XXXX XXXX : These credit bureaus have been sued for failing to properly investigate consumer disputes and for reporting inaccurate information. 
Recent CFPB Enforcement : In XXXX, the CFPB took action against [ XXXX XXXX for failing to meet their obligations under the FCRA, including failing to remove errors even after consumers provided proof. 
XXXX XXXX Data Breach Lawsuit : XXXX has also been held accountable for negligence in handling consumer data, which further underscores the importance of thorough and accurate reporting. 

Given this history of legal violations, I am requesting that [ XXXX XXXX promptly and thoroughly investigate my dispute in compliance with the FCRA. If the disputed information can not be verified as accurate, it must be removed immediately per federal law. 

I expect a response and resolution within the required XXXX period. Failure to comply may result in further legal action or escalation to the appropriate regulatory authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 1 year ago I noticed my credit score had decreased drastically, I checked and saw that there was a Bankruptcy listed under my name. I reached out to the credit bureaus to attempt to resolve this issue. They all said their Bankruptcy information is all retrieved from XXXX. I then reached out to them and they told me to reach out to the court where it was filed. I reached out to the filing courthouse and there was no such filing there. I then got a letter from the court saying that the information at XXXX was wrong and XXXX soon after deleted the information. Now I am trying to reach out to the credit bureaus and have sent them so much evidence and documentation. XXXX and XXXX have deleted the information but Transunion has not. I do not know what to do as I keep on sending them letters, requests, calling etc. I have all the evidence that this was not me.