23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain  credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
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 XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit card or prepaid card

On Wednesday, XX/XX/2023, I was referred to a JetBlue Plus card by friends and family. I logged on to the Barclays website and applied for the sign up bonus points at the time along with reading the terms and conditions below. 
At the time of sign up, I was directed to key in the last XXXX of my social and my mobile phone number. 
I then received a link in which I applied to. Prior to doing so I read the terms and conditions which again are outlined below. 

Moments later I received a email stating that I was approved for a generous credit limit. Once I had an opportunity. I began to read over the information to see the time frame of when the Annual fee needed to be paid, as I thought paying upfront meant once I was approved. I immediately noticed that I would only receive XXXX points and not the XXXX bonus points rewards, Interest rates 21.24 %, 25.24 % based on credit worthiness. that caught my attention, also being the main objective for applying for the JetBlue Plus Card. Additionally, the rates differed.

The promotion described is the sole reason for why I would interrupt my credit score. Frantically, I reached out to customer services and was told that my account was to new to see any information regarding bonus point etc. I was told to call the credit department the following day, in which I did subsequently. 

On XX/XX/2023 I call in to customer service and spoke with a XXXX who who offer me an additional XXXX bonus point. I explained the situation a second time before requesting to have the matter escalated. 

A few hours later, I received a call from a XXXX XXXX Who was condescending passive aggressive and offensive. His lack of transparency and empathy created an unpleasant experience. 
On XX/XX/XXXX, around XXXX pm I received a call from the XXXX XXXX by way of security from a woman by the name of XXXX. I conveyed my concerns both verbally and written form via email. Also providing screenshots of the promotion and transaction and correspondence received. I was advised that she would look into the matter further, listen to calls with the representatives and get back to me. On Monday, XX/XX/2023, I received a call from XXXX indicating she had concluded her investigation and she was unable to extend the promotion because the investigation determined that I received the promotion for which I received. She also apologized for the customer service I received, after having listening to the call. She stated she could offer me XXXX points, but refused to extend the offer or cancel the card and has left me reluctant to have inquired about this partnership. 
The interaction with the managers along with the deceptive business practice has left me reluctant to maintain this partnership. 
I am respectfully requesting the following amicable resolution.
Product: Credit reporting or other personal consumer reports

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. 

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX section XXXX ( a ), it is mandated to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a respect for my right to privacy. As a consumer, I am entitled to safeguard my private information, as supported by XXXX XXXX XXXX, which emphasizes the obligation of financial institutions to uphold customer privacy and confidentiality. 

Pursuant to XXXX XXXX XXXX section XXXX ( a ) ( XXXX ), consumer reporting agencies such as Equifax and XXXX and XXXX are only permitted to furnish consumer reports with the explicit written instructions of the concerned consumer. However, I have not provided any such consent for them or any furnisher of information to credit agencies to share my information. The Accounts in question are 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 Furthermore, XXXX XXXX XXXX ( b ) ( c ) stipulates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer about their right to opt out of such disclosures. However, I have not been given this option by the furnisher of information to credit agencies. 


Moreover, XXXX XXXX XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Yet, this account is being reported adversely without my consent, violating the law. 

Additionally, XXXX XXXX Code XXXX ( A ) ( XXXX ) mandates that information furnished to consumer reporting agencies must be accurate, while XXXX XXXX Code XXXX requires consumer reporting agencies to maintain reasonable procedures to prevent violations of FCRA sections and to limit consumer report furnishing to permissible purposes. However, Equifax and XXXX and XXXX are not adhering to these standards. 

Lastly, XXXX CFR XXXX affirms the consumer 's right to opt out at any time. Therefore, I am choosing to exercise my right to opt out of your reporting services.
Product: Credit reporting, credit repair services, 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 has violated my rights. 

Account name : # XXXX has violated my rights. 

Account name : # XXXX has violated my rights. 

- [ ] 15 U.S.C 1681 section 602 A. States I have rights to privacy.

- [ ] 15 U.S.C 1681 Sextion 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions - [ ] 15 U.S.C 1681c. ( a ) ( 5 ) Secrion 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: Checking or savings account

Ever since moving to XXXX, my card has been stolen several times and although I do my best to protect that information by using my wallet or tapping my card ; my information still seems to get stolen. I have never had my card physically taken from me but unauthorized transaction are a dime a dozen. 

Wells Fargo will deny my card if I make an {$80.00} purchase but will authorize transactions equaling up to over a XXXX dollars over multiple purchases made in a day. The charges I got from XXXX XXXX makes no sense as I've never been to a XXXX XXXX in NY as of yet since I don't live near one. MY claim being denied with no supporting documents other than a reiteration verb They then had the nerve to tell me that my chip was present since I knew that just couldn't be possible as far as I knew. 

Based on what the woman over the phone told me, I'd have to literally go outside and play detective in order to get my money back from Wells Fargo. NO matter the outcome of this complaint, I will be closing my account with them as this is absolutely ridiculous on their end.
Product: Credit card or prepaid card

In XXXX of 2018 I opened an American Express Delta card after receiving an offer for XXXX miles. Since Amex has rules about the bonus I asked two reps over chat if I were eligible and both said yes ( I will attach screenshots. ) Based on this information I got the card ( lowering my credit score ), met the needed spend ( that Amex would not have gotten ) and never received the bonus miles. I asked about this and Amex opened an investigation. When I called a supervisor told me : - First that I had the card before ( I said I asked two chat agents ) - Then he told me I didn't meet the spend requirement ( but after some math, he saw I did ) - And finally that Amex just decided not to give me the bonus. He also said that what the reps told me is meaningless and offered nothing. 

He clearly had no idea. I don't understand how they can decide AFTER I get the card and AFTER I specifically asked their employees in writing if I was eligible to not honor the offer!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian Dispute Resolution for failing to ensure accurate reporting of late payments on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My dispute concerns XXXX inaccurately reported late payments on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Details of the Issue Inaccurate Late Payments : The late payment entries reported by Experian for the months mentioned above are incorrect. These entries are negatively affecting my credit score and financial opportunities.

Violation of FCRA Requirements : Under FCRA 1681i, Experian is required to conduct a reasonable investigation of disputed information. However, Experian has failed to : Provide proper verification or documentation to support these reported late payments. 
Conduct a reasonable reinvestigation of the disputed information.

Forward all relevant documentation I submitted to the furnisher of the information.

CFPB Lawsuit Against Experian : The recent CFPB lawsuit against Experian highlighted systemic failures in their dispute process, including over-reliance on furnishers ' responses and failure to provide consumers with clear, accurate reinvestigation results. My case is yet another example of Experians disregard for consumer rights and FCRA compliance. 
Conclusion Experians failure to comply with FCRA standards and their inadequate dispute resolution process has caused undue harm to my credit profile. I respectfully request that the CFPB take action to ensure Experian corrects these errors and implements proper compliance measures to prevent future violations. 

Thank you for your attention to this matter. I am available to provide further information or documentation upon request.
Product: Credit card or prepaid card

On XX/XX/2021, I noticed a charge on my credit card for a purchase of {$1000.00} to XXXX XXXX XXXX XXXX that I did not make. I alerted my credit card company, Chase, and they removed the charge and sent me a new credit card. After review, Chase reinstated the charge stating that it was a valid transaction because the chip was used to make the purchase. I disputed this, stating that it was not me that made the purchase. Chase requested that I contact the merchant. XXXX XXXX XXXX does not have a phone number, so I contacted them via email, and they stated that they could not provide me any further information about the transaction without documentation from the back. I provided my credit card statements to the merchant, but they stated they needed authorization from the bank to reverse the charge. When I passed this information along to Chase, they stated they would look into the situation for further review, but continue to send me the same letter stating that the charge will remain my responsibility and that the charge was found to be vaild. I went in to Chase and spoke with a banker, who suggested I file a report. I still have not been reimbursed for this purchase on my credit card that I did not make.
Product: Debt collection

XXXX XXXX sent my account to collections for {$300.00} {$200.00} of that was a equipment, which I returned 2 months prior and have emails. They sent me my last bill which was prorated and included a credit of XXXX due XX/XX/XXXX. After being a customer for 2 years and a excellent XXXX Fico score no collections and XXXX of lines of credit they sent my account to collections. They didnt give me time to pay and I never received anything from the collections agency. The amount was incorrect because we sent the equipment directly to the XXXX store so the amount was incorrect. Now I have to fight to reverse the collections on my account. Unfair practice knowing we are in a pandemic and my credit is excellent I am suppose to be getting my statements online and didnt get the last bill as well terrible service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company broke the law!!!!!!! 
Your company is in violation of the following subsection of the Fair Credit Reporting Agency. 15 USC 1681b. Congress makes it clear, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give this company written instructions to furnish anything on my consumer report. 

As a consumer reporting agency, XXXXAvant used my consumer report for monetary fees, dues that regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means of interstate commerce for the furnishing consumer reports. Pursuant to 15 USC 1681a ( f )
Product: Credit card

I called the representative named XXXX agent ID # XXXX regarding the one time bonus of {$100.00} that I was supposed to receive after spending {$500.00} in the first 3 months. However, the agent stated that I was supposed to get the notice that I 'm not eligible, since I was using a different Capital One product before. When I stated that i did not receive such notice, she stated that I was supposed to be verbally notified about this. However, when I further stated that I was n't notified, she stated that actually I 'm just not eligible. When the agent transferred me to the Senior Agent XXXX # XXXX, he refused to provide any information, nor was he willing to send me a copy of the terms and conditions that state that the upgraded account is not eligible for the same benefits, though the promo notification that I received did not mention that I 'm excluded from this benefit.
Product: Checking or savings account

On XXXX XX/XX/year> at approximately XXXX XXXX oclock I entered the branch informed XXXX the branch manager that I would like to make a deposit and make a pin change being that I did not have the pin that was mailed to me she informed me the wait would be XXXX minutes or longer I then lead to say that fine I can wait I got in line to make the deposit. She approached me and stated that appointment did not show and she could help I completed my transaction with the teller and a gentleman by the name of XXXX. Said he would help. I followed XXXX and provided him with my drivers license and debt card he said he was sending a code to my phone I advise XXXX there seemed to be an issue with logging in but I was able to and I was told by XXXX I failed and its my fault I did it wrong and there was nothing he could do He can not get in to my account he also state he would go get the manager because we where going to keep spinning our wheels the manager said it was at her discretion and she could not help until tomorrow. No one else had to go through this I even provided my driver lives Ssn and to prove who I was and was turned away with no pin changed for my debit card
Product: Debt collection

I was not properly notified whether or not I owed a {$280.00} XXXX bill that is now in collection and is adversely affecting my credit score. 

I had XXXX 2 years ago. I took a small break from their services and then I re-established service. I have maintained my account current at all times. When I took a break from having XXXX services I was not notified that I had a remaining balance due. When I reconnected services, I was never notified that I had an outstanding balance. I was re-issued service and I have maintained my bill current the entire time. I have recently reviewed my credit report and a {$280.00} collection appeared. I disputed the account because I did not recognize it. The account ended up being verified. I called the collection agency XXXX Southwest Credit System XXXX and they gave me an account number to give XXXX. They ended up finding an account that had a past due balance that is not linked to the account I have now. 

I feel that XXXX did not properly keep records of my past and current account balances even though the service was reconnected at the exact same address with all of my exact same personal data. As far as I was concerned ( and according to my monthly bill XXXX everything was current on my account. 

If I would have been notified that I had a past due balance at the time I disconnect, during my service break, or once I reconnected my service, I would have paid it. I have lived at the same address during that service break ( before, during, and after ) and I was never notified that I owed this amount. 

I feel that this is not FAIR Credit Reporting because now I have an account in collection that I never knew about. I even attempted to call with my current account information and they always told me that my account was current. 

If I would have been issued a regular bill I would have paid it but this collection notice was the first time I found out about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TRANSUNION are reporting XXXX XXXX  incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have ( 2 ) DISMISSED XXXX XXXXXXXX BANKRUPTCIES removed from my TRANSUNION credit report.TRANSUNION previously removed it in early XXXX but has since reinserted the information in the derogatory section. I have even provided a letter from the US Bankruptcy Court ( XXXX ) proving that they do not sell information to XXXX or an agency or third party associated with TRANSUNION. On XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XX/XX/XXXX I filed a dispute, and all I received was a not saying verified. I asked for a written procedure of how this information is verified but TRANSUNION has not. MY next step will be filing a lawsuit in XXXX or XXXX XXXX Georgia if this information is not removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online system for Experian gives this as a response upon requesting my report : " A condition exists that prevents Experian from being able to accept your request at this time. '' Happened today, and XXXX months ago as well when I tried to get the same report.
Product: Mortgage

In XX/XX/2018 my wife became seriously ill and had to leave her job. We became unable to pay our mortgage and was able to talk with our original Lender, XXXX XXXX XXXX. I started loss mitigation, filled out all the paperwork and sent it in a timely manner. I didn't hear anything for over 30+ days, called XXXX and was told they were working on it. In the meantime, XXXX sold our mortgage to Flagstar Bank. When I found out I contacted Flagstar and was told that all the loss mitigation paperwork had been forwarded and they had received, " Everything PHH had. '' Several weeks later, XXXX XXXX I received a 2nd day letter dated XXXX XXXX, 2018 that stated I had until XXXX XXXX to submit paperwork. I called confused, asked to speak with my case manager ( I have NEVER once spoken with her, even after requesting several times with whatever rep I was speaking with ). I was told that the original loss mitigation paperwork was now considered " outdated '', and I would have to send in more paperwork. This was a single sheet of paper with nothing attached. I asked why I didn't receive anything along with it and what I was supposed to do I was told, " I guess I can mail you the paperwork, it wont be there for a week but its not going to make any difference now. '' I then spent two days calling and asking for help and finally reached someone who gave a XXXX, walked me through downloading and printing the actual paperwork I would need from THEIR website ( the CSR before never told me I could do that ) .She also told me I could email the info, which I did on XX/XX/18 the date it was due ( I have delivery confirmation ). I called and spoke with a great lady named XXXX who identified herself as the loss mitigation team lead. She opened my email, went through the documents WITH ME on the phone and confirmed that yes, indeed I had sent all that was required and it looked good. It was going to be sent to the Underwriters by her personally. Imagine my surprise, when I received a letter in the mail today XX/XX/18 saying that because I NEVER sent in the documentation, I was now officially out of the loss mitigation. This has been unbelievable. I have NEVER dealt with a company like this. Customer service has been a joke. It is obvious they do not want to work with me ( or probably anyone! ) on a situation that can and should be resolved and would rather foreclose using stalling, diversion and flat out lies. I need help, even lowering my payment would pull me out of this situation and allow me to keep my home. This situation has led me to consider legal action.
Product: Credit reporting or other personal consumer reports

I just want to know why the XXXX credit agencies are allowed to only raise a person 's score by XXXX points when always being on time and never missing a payment. But I started working with a credit card debt company and XXXX drops my score XXXX points. They are so quick to drop my score but no one can get a good credit score because they take forever to raise it and then only raise it XXXX point.