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

You lied and said I never submitted proof of identity so you denied my data breach/ identity theft request. That is a lie. Please block the accounts stated in my dispute letter from my credit report immediately since 4 business days already passed or we will be pursuing litigation. CFPB already informed me that yall have been illegally doing this for years. They also informed me that I should sue you. Please dont make this necessary. I have already lost over {$10000.00} due to this reporting to my report inaccurately due to data breach.
Product: Debt collection

I have been contacted multiple times by a collection agency that goes by XXXX separate names ; Central Financial Control & Syndicated Office Systems. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in north XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a XXXX. Attached are my letters my Ftc partner told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, Discover Personal Loans who is affiliated with XXXX XXXX XXXX gain unauthorized access to my personal XXXX XXXX Report without my knowledge or consent. 

Such violates both federal and state privacy laws and potentially violations provisions under the Fair Credit Reporting Act.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XXXX to update this suspicious information. While I'm grateful for your actions but there are still remaining items that need validation, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00}
Product: Credit card

Apple Card advertises up to 3 % cash back. 
Apple Card does not actually offer this cash back, and when you contact their customer support it is extremely difficult- if not impossible - to reach a human who is knowledgeable and willing to help. 
I am missing months of cash back ( there is literally no cash back activity despite there being many charges within those months ) and I can not reach a human who can explain why or investigate to help rectify the situation.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports from XXXX, XXXX, and XXXX, and I noticed that you have reported an account as a charge-off / collection. 

An account can not be both a charge-off and a collection at the same time. A charge-off is a canceled debt, which requires the issuance of a 1099-C form to the consumer. How can you collect on a canceled debt?

The collection of a canceled debt that has been charged off constitutes tax fraud and will be reported to the IRS using Form 3949-A. 

My creditor is DISCOVER BANK and the account number is XXXX. 

This unfairly placed negative mark is affecting my personal life, my ability to build credit, as well as my ability to work and get ahead properly.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete these fraudulent items in my file that are reporting on 3 Credit Bureaus. I am a victim of identity theft and did not make the charge or the accounts. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX, XXXX  XXXX & XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Student loan

I received the email that I was supposed to have my student loans forgiven from the federal government, but it has XXXX to drop off my credit and I am trying to purchase things like a home or get my business started, but they havent removed anything. The finance company is XXXX XXXX XXXX, which is the federal loan people and I talk to their XXXX XXXX XXXX I have yet to receive anything. Also Ive had my data breached as well. They havent been letting me know thats been breach.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX, XXXX after discovering an unauthorized credit inquiry on my report. The inquiry, dated XX/XX/XXXX, raised serious concerns since I had no prior dealings with this company. In response, I requested a detailed explanation, proof of my authorization, and the removal of the inquiry if it was, in fact, unauthorized.

I emphasized the importance of accuracy in corporate names within legal and financial documents. Even minor errors in the name of an entity can lead to significant financial and legal issues. Furthermore, I stressed the need for companies to safeguard personal information and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). These standards are crucial in protecting consumers and maintaining trust in the credit reporting system.

Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. My experience highlights the importance of vigilance in monitoring credit reports and the need for accountability in credit reporting agencies. I share this in the hope that it helps others who may face similar situations with unauthorized credit inquiries or challenges with consumer reporting agencies.
Product: Credit reporting

This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX on XXXX/XXXX/2014 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Product: Bank account or service

I was paying bills with my Chase when I clicked submit apparently it was just after their cutoff time. consequently I got a message saying XXXX of the bills were being submitted and XXXX were not. I did not understand the message so I called Chase to find out what the problem was. During this time the screen timed out and apparently the XXXX payments indicated were sent. XXXX of the payments to XXXX XXXX XXXX was for the wrong amount it should have been {$45.00} and was instead {$90.00}. I was eventually, after threatening to file this complaint, sent to claims. Short version of the story. they told me they could n't do anything because XXXX XXXX XXXX offices were closed. I was told, they would need to send a fax to XXXX XXXX XXXX to explain the issue and the funds returned to chase and placed in the correct XXXX bill payment account ( I have XXXX accts, XXXX for uvers - XXXX for home phone ). I have been on the phone for over an hour today trying to reach a supervisor in the claims dept to get this resolved and have yet to be connected to anyone who can help.
Product: Debt collection

AMSHER COLL acct # XXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address
Product: Debt collection

I am a victim of identity theft. I received a notice that a debt collector called FRONTLINE ASSET STRATEGIES with an original creditor of XXXX has opened an account in my name. I am not a XXXX customer not have I ever been. I spoke to XXXX today and was told to inform the debt collector that this account was a result of identity theft.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 the following accounts with XXXX  XXXX XXXX XXXX are in active arbitration due to an unresolved Billing Error : XXXX, XXXX, XXXX XXXX Case # XXXX According to 12 CFR 1026.13 ( 1 ) and ( 2 ) : Official interpretation of 13 ( d ) Rules Pending Resolution ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.

Official interpretation of 13 ( d ) ( 1 ) Consumer 's Right To Withhold Disputed Amount ; Collection Action Prohibited ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Credit card or prepaid card

I took out a British Airways Credit card by Chase bank sometime in XX/XX/2022. 

When I took out the card, it was advertised that I would get a {$500.00} statement credit and when I complete the purchase of an airline ticket worth around {$2500.00} I got a screen prompt that I would get the said {$500.00} statement credit. 

Ever since, I have reached out to Chase and British airways for the statement credit and this was never given. I first called XXXX who claimed Chase operates the card, after numerous attempts to reach Chase I was told initially told that this would be investigated. I later spoke to an Agent via phone, who assured me that I would get the statement credit, and the credit of {$500.00} would appear on my account, she also apologized for my troubles and made notes on the account to that effect. 
Because of her assurance, I kept the account running. After a month I called Chase again only for them to tell me that I was not entitled to the {$500.00} as my purchase didnt qualify for it. 

At this point I asked my account to be closed and hence my decision to complain.
Product: Credit card

XXXX XXXX is allowing unatherised transiactoins on my card and when a call them thay do not speak English and are very very very rude and make me wate several days to return my money. what are they doing with my money and why are they aloud to just take my ssd money and keep it for 3 to 10 days befor returning it?. need help.
Product: Payday loan

I applied for a loan with company and was approved with a initial credit limit of {$650.00} that I could take out cash advances out against so I requested a {$400.00} dollar advance and was approved and I received emails showing all this from company but when it came time to fund account instead of money all of sudden they decide I do n't qualify even though they had my social security number and done check from beginning and still approved it first time should have not been rejected this is fraud doing it based on age .Also I offer to send in all papers showing income and my identity for proof based on letter but they said no which I had no problem faxing the papers to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

reviewing the following accounts that appear on my credit report, without any authorization, is hurting me Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. CAP ONE AUTO Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

CAPITAL ONE BANK USA XXXX XXXX Date Opened XX/XX/2019 Balance {$0.00}
Product: Debt collection

1006.34 Notice for validation of debts Did not receive notices and do not know of these alleged debts ( a ) Validation information required. ( XXXX ) In general. Except as provided in paragraph ( a ) ( XXXX ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( XXXX ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. 

-- -- -- disputing the alleged debt -- ---
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX XXXX account # XXXX and XXXX Accounts 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: Checking or savings account

THIS BANK IS NOT COMPLYING WITH ITS POLICIES IT IS HOLDING ME RESPONSIBLE FOR A FRAUDULENT USE THAT WAS ON MY CHECKING ACCOUNT. IT SAYS TO SEE ME SENT AN ALERT TO PREVIOUS NUMBER XXXX XXXX THIS NUMBER IS NO LONGER MINE I CHANGED THE NUMBER WHO COULD SEE ACCEPTED IT WAS SAFE THE NEW PEDIETARY OF THE NUMBER, MY XXXX WAS STOLEN AND THE TRANSACTIONS WERE DEPOSITED THAT ALL THE TRANSACTIONS REPORTED WERE STOLEN BECAUSE THEY WERE DONE IN A FRAUDULENT WAY, THIS IS ALREADY MY SECOND COMPLAINT THROUGH THE CONSUMER AGENCY, THEY SENT ME A RESPONSE THAT I HAVE ALREADY SEEN BUT THE DECISION THAT THE BANK IS MAKING IS AN ERROR, I NEED TO CORRECT THAT AND GIVE ME MY MONEY IN MY BANK ACCOUNT, PLEASE INVESTIGATE THAT THIS BANK IS PROVIDING THE CORRECT SERVICES TO CUSTOMERS, SINCE IT IS NOT COMPLYING WITH MY WELLS FARGO CUSTOMER RIGHTS, I RESOLVE THAT IT IS RESOLVED TO ME .. PLEASE FINE THIS BANK AS IT IS NOT HELPING ME .. 

Prepaid / Debit / ATM XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I qualify for federal student loan forgiveness through the XXXX XXXX XXXX XXXX program. I made my XXXX payment on XX/XX/XXXX and submitted all necessary paperwork to show my employer qualifies. In XXXX XXXX, my account was put into administrative forbearance against my will. Now, the XXXX XXXX payment shows as " Ineligible '', despite making the on time payment and working for the qualifying employer. My payments were updated and include the XX/XX/XXXX payment, but not the XXXX payment, and I am at XXXX payments. I am missing the current round of forgiveness because of Mohela 's errors. I have worked in XXXX XXXX for over XXXX years and have been waiting for this patiently, but Mohela has given inconsistent information and provided NO update when this will resolve, delaying my forgiveness. 

I sent a message to Mohela on XX/XX/XXXX asking why my XXXX payment was not eligible. 

I submitted my Employer Certification Form on XX/XX/XXXX. 

I called Mohela on XXXX ( on hold for over an hour ) and spoke with a representative who informed me I should see the XXXX payment corrected by the end of XXXX. On XXXX XXXX XXXX I received a message from Mohela, responding to my first message on XX/XX/XXXX, that their records showed I spoke with a representative and that the matter should have been resolved. 

At this time, I have no update when my XXXX payment will count, and my rightfully earned forgiveness is delayed because of the company 's error.
Product: Debt collection

HAVE NO CLUE WHO THIS DEBT BELONGS TO AND I HAVE ATTACHED THE PROPER INFORMATION N REGARDS TO THIS ACCT. ALSO I HAVE SPOKEN TO ALL AGENCY TO MAKE THEM AWARE THIS LETTER.
Product: Prepaid card

I received a {$200.00} pre-paid AMEX gift card as a gift, and I've been trying to use this for months now. On several different websites, different stores, different locations in-person, through XXXX, etc., all to no success. I reached out to the individual stores/locations I attempted to purchase a product from, and they said it's not on their end, they aren't accepting this pre-paid card. I then check my balance at AMEX, and it shows I still have {$200.00}, and none of the attempted purchases were above that amount. 

The general internet shows that this is a common problem and I am not alone. These AMEX cards are not able to be accepted by so many places.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received an alert notification concerning an inquiry that was made to access my Transunion and XXXX credit file. Thanks to having a lock on my XXXX  file access was denied. However I had no lock or freeze on my Transunion file. As a result an inquiry now appears from XXXX   Travel/Entertainment requested on XX/XX/2020. I have not requested any form of credit within the past 90 days or more nor have I given permission for any institution to receive my credit file in the past 90 days or more. 

I attempted to contact XXXX  using the phone number XXXX XXXX XXXX XXXX on XX/XX/2020. XXXX informed my that they work with many companies and unless I am able to provide them with which specific company requested my file through them they would not be able to assist me. 

I contacted Transunion dispute department on XX/XX/2020. According to Transunion it is against their policy to file a dispute for hard inquiry. Furthermore to have this dispute removed I would need to contact the creditor and have them provide a letter from the creditor to have the inquiry removed. This letter should be sent to XXXX dispute department. Moreover Transunion informed me that they do not have any further information as to the specific company outside of XXXX that requested to view my file. 

Despite contacting both Transunion and XXXX I have been unsuccessful in trying to find out what company requested my credit file and have this inquiry removed that I did not authorize.
Product: Credit card or prepaid card

The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

CAPITAL ONE BANK USA N XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX