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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

In XX/XX/2021, I submitted a CFPB complaint ( ID XXXX ) against KeyBank over their failure to pay a {$400.00} promotional bonus for opening a Key XXXX XXXX account. On XX/XX/2021, KeyBank issued a response letter stating they would credit the {$400.00} to my checking account, and that the amount would be reflected on the " next account statement. '' It has been more than four months since KeyBank made this promise in response to the original CFPB complaint, and they still have not credited the {$400.00}. Throughout this time, I've contacted their customer service on multiple occasions to ask about the status of the payment, and each time the customer service rep assured me they were working on it and I would see the credit " soon. '' The last time I made contact, over a month ago, I was told the person at KeyBank in charge of my case would send me a letter in the mail. I never received any letter.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX, XXXX, and Experian multiple times, yet the errors remain unresolved. Despite my efforts to have the information corrected, the credit bureaus have failed to take the necessary actions. 

The following violations apply to this matter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This challenges the 30-day response time for investigating disputes, which was not adhered to in my case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This challenges the investigation protocol, as no adequate results or findings were provided to support the disputed information 's accuracy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This challenges reinsertions protocols, as the disputed information has remained on my report without proper notification or validation, contrary to FCRA requirements. 

I request that the CFPB investigate these violations and ensure that the credit bureaus comply with the Fair Credit Reporting Act by correcting the inaccuracies and adhering to proper dispute resolution procedures.
Product: Debt collection

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX  The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX  months or the last XXXX years for employment purposes. FCRA 15 USC 1681
Product: Credit card or prepaid card

Capital One Credit Card placed {$1500.00} on my Credit Card which had {$800.00} limit with {$700.00} already on it by XXXX XXXX. I told them XXXX had no right to bill me due to a contract with my car insurance. Capital One Sent me bills with this amount and asked for interest and everything be paid over the limit vs asking for just the payment due with a min of {$25.00}. Capital One shockingly had to remove the disputed charge but 4 months later. 
I attached the original bill stating min was NOT {$22.00} as Capital One reported and gives as reason why they repotred me late 120 days? 
THIS IS IN BLACK AND WHITE & SO IS REASON WHY I WAS LEFT AS 120 days late? 
REASON FOR DELETE IS SIMPLE? 
WRONG MINIMUM AMOUNT REPORTED. 
WAS > {$450.00} min vs {$22.00}? & I CAN NOT BE EXPECTED TO REPAY A DISPUTED CHARGE ESPECIALLY SINCE I PROVED RIGHT! 
SEE MY INITIAL BILLS AND SEE THE {$22.00} min they claimed to as why they did not delete after I won dis [ pute. They say I should have paid the {$22.00}? I FOUGHT THEM ON THAT THE ENTIRE TIME?? > IT WRONG AMOUNT SO DELETE IS REQUIRED ANYWAY??
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charge-off listed on my credit report for the following account : Creditor Name : XXXX XXXX XXXX  ] Account Number : [ XXXX ] Charge-Off Date : [ XXXX XXXX ] 1.Lack of 1099-C Compliance ( IRS Requirement ) Under IRS regulations ( 26 U.S. Code 6050P ) , creditors are required to issue Form 1099-C for canceled debts of {$600.00} or more. Since this debt was charged off in 2021, and I have not received a 1099-C, the debt may not have been legally canceled, or the creditor has failed to comply with IRS reporting rules. Therefore, the accuracy and legal status of this charge-off are questionable. 2. Fair Credit Reporting Act ( FCRA ) Violation According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reports must be accurate and verifiable. If the creditor has written off the debt and has not issued a 1099-C, then it is unclear whether they consider the debt fully canceled. If the account can not be verified with complete and accurate records, it must be removed from my credit report. 3.Failure to Validate the Debt ( FDCPA Violation, If Applicable ) Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), if this debt has been sold or transferred to a third party, I have the right to request full validation. If the debt has been sold, the original creditor should not continue reporting it as a charge-off. If no valid records exist, this charge-off must be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ability recovery has erroneously re-aged a debt reporting on my credit files after request for validation and dispute. 

I filed an initial complaint with CFPB in XXXX of XXXX on lack of response to a debt validation request from Ability Recovery Services LLC for a debt in the amount of {$730.00} originating from XXXX University. After receiving the validation information sent from Ability Recovery Services I filed a dispute for erroneous information. The date of the original account on the letter they sent me reads XX/XX/XXXX. The debt was being reported to the credit bureaus as having an opening date in XXXX. 

Instead of correcting these dates the company has re-aged the debt to XXXX in violation of the Fair Credit Reporting Act! 

This type of predatory action should be stopped.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equitax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I have deemed inaccurate : XXXX XXXX with a balance of {$270.00}.
Product: Credit reporting

After purchasing TransUnion 'XXXX-Bureau Report ' product ( {$29.00} ) on XXXX/XXXX/16 I noticed TWO dates of birth listed under 'Personal Information ', both of which are incorrect. Unable to 'verify my identity ' ( with my actual DOB or the one 's listed ) I was not able to file an online disputeAfter calling each of my creditor 's to confirm the inaccuracy was n't reported by them, I proceeded to call each bureau individually to request a correction. TransUnion, after XXXX minutes on hold, forwarded me to a standard customer service agent who, though clearly reading from a script, instructed that I send a copy of my BIRTH CERTIFICATE in order to correct their own error. Not only do I view a BC as a private document not to be widely shared ( particularly with a corporation that admittedly sells consumer data ), I feel such burden on a consumer to correct THEIR error is absurd. Results with calling XXXX were almost identical, with the customer service agent demanding I send a copy of my social security card, which virtually no corporation anywhere has a right to demand. XXXX complied with my request immediately. Common sense should dictate it 's IMPOSSIBLE to have two birthdays. Yet TransUnion and XXXX insist on leaving them both on my report, even though they can not confirm WHERE this misinformation came from. This- maintaining information known to be inaccurate, is a specific violation under the Fair Credit Reporting Act. All I want is my Date Of Birth to be reflected on my report and for the incorrect entries to be removed immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report after reading FCRA and I noticed according to 15 USC 1666B Their should be no late payments on my report it violates privacy and consent laws section 611 of the FCRA
Product: Debt collection

I have made multiple attempts to have this company review its medical billing practices. I contacted the insurance provider, XXXX, and had the representative contact the agency directly to receive itemized billing as well as dates. The company refused to comply with the insurance carrier stating it was not an insurance issue. The company, XXXX XXXX double billed. The company wanted me to pay, as well as billing my issuance for procedures that did not take place. I will billed for XXXX I did not receive. As shown in email communications with the billing department, the company would bill in advance for services not rendered. When we refused to pay fr services not rendered, the company sent out account to collections. We spoke with a XXXX XXXX with PDQ Services. XXXX is the representative who refused to speak with our insurance carry, and would not provided details on what we were being charged for. To date, only a dollar amount is provided, not the services for which were alleged rendered for payment. Our last communication with XXXX XXXX from PDQ Services, and XXXX XXXX was in XXXX 2017. Now PDQ Services have reported this fictitious amount to XXXX, and sent us a letter stating that " pursuant to 15 U.S.C 1692g of the Fair Debt Collection Practice ACT, that they have provided verification multiple times, and the validation period has since passed the day 30 days. '' We have yet to receive any such communication. Just a fraudulent collection on my credit report.
Product: Debt collection

I Received a call XXXX XXXX, XXXX at XXXX from XXXX in regards to a XXXX XXXX XXXX account that is XXXX XXXX XXXX from Glass Mountain Capital XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IL XXXX, XXXX XXXX. I informed the representative that I am willing to settle the account for XXXX of the original debt. The representative then transferred the call to someone who could arrange this payment. I then began to discuss the same guidelines with the next representative. She then informed me that see could see my existing credit card with other establishments with Balances of XXXX and XXXX XXXX dollars. Which I believe to be a violation of the Fair Debt Collection Practices Act ( FDCPA ). I have never heard of a company leveraging existing account to force a payment from a client. I hung up and called the company back and asked to speak to an supervisor who refused to provide me with the information needed to reach out to the Consumer Financial Protection Bureau. I asked where the received their license to collect debt so that I may call and lodge a complaint. The supervisor dismissed my request and transferred me yet again to another unhelpful representative who could not and would not answer any question I had with regard to their practices or licenses. I ultimately received the CFPB from a fellow professional who was absolutely shocked by the manner in which this was handled.
Product: Checking or savings account

I am writing to file a complaint against Federal credit union regarding multiple overdraft fees Ive incurred. Despite having sufficient funds when the transactions were authorized. I was charged fees due to lagging posting of charges and credits.this issue aligns with the recent cfpb findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially having available funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I attended XXXX University until XXXX 2016. I contacted my professor and cc 'd my counselor that I was having a hard time completing my coursework due to unforeseen circumstances at home and work. I called and requested to drop my classes ( which they have no record of ). So, in XXXX or XXXX I contacted my counselor about continuing my education and was advised that I had a balance of {$3200.00} to clear before I was able to continue. 

Almost, {$2800.00} for classes dropped ( i 'm being charged for the full classes ) although I called to drop a few days prior to drop date and ( {$500.00} or so ) for classes that I never authorized them to put me in for the following semester ( I never even logged in to them ) and I talk to the counselor prior to XXXX 2016 term and advised her I did not want continue until XXXX due to starting a new job. My counselor recommend that I request a Corporate adjustment, so I contacted the department and sent emails back and forth for over 2 months at which time I was advised I was already approved for partial credit due to the documentation sent from my therapist. Then I find out a collection agency has added the {$3200.00} to my credit file as of XXXX, when no decision has been made as of yet on my entire balance, I also found out the collection activity started 2 months prior. 

Once I found out about the collection being placed on my credit I emailed the person I had been in communication with for corporate adjustment and was advised my request was denied and to follow up with the collection agency directly. Then I asked why it was denied and was advised it was due to insufficient documentation and that I would need to contact Student Affairs if I needed anything else. I call Student Affairs and leave a message, then I receive an email stating they do not handle this I would need to file a grievance. After almost 90 days of providing personal documentation about my work, school, XXXX health and my dad 's illness they deny my request. 

I am currently in the process of getting a pre-approval for a home and this debt being placed on my credit is jeopardising me receiving my pre-approval and has dropped my credit score. Also, I am unable to continue my education at another institution and not able to access my transcripts to transfer schools due to the hold placed on my file for this debt. This amount is not owed by me. 

I would appreciate someone looking into this matter and reading all of the attached communication and documentation sent to the school.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account ( account no. XXXX ) with Barclays Bank Delaware on XX/XX/XXXX. I transferred {$45000.00} from my XXXX account on XX/XX/XXXX and after one day they suspended my account. I lost my online access to my savings account and I was not able to make transfers as well. 

I called them on XX/XX/XXXX and a customer representative told me in order to unlock my account, I would need to email my SSN, Driver 's License and bank statement from another bank to XXXX. The customer representative also said I should get a response from them within 3-5 business days. I did send my documents to that email account on XX/XX/XXXX and I got an automatic response said the system has received my documents and they will let me know if further actions are needed. 

5 business days had passed and I called them again on XX/XX/XXXX. Another customer representative said their team is working on this but there may be another 3-5 business days wait. This sounds ridiculous to me and I think Barclays Bank is playing a waiting game with me instead of verifying my information and unlocking my account. They should resolve this timely and I need my funds in order to pay my bills, credit cards, etc.
Product: Bank account or service

I have been a customer of TCF Bank for over 20 years since their operation as XXXX in my area. Since on line banking was introduced, I have been irritated by the 'order of posting ' the bank uses. I admit I do have issues with a balance and finances are not my strong point, but I count on what I see on my view of my statement that TCF Bank 's website provides customers to see my balance and know if I can spend anything, and yes I know there might be checks that have not come thru yet. My concern is the view I, as the customer, see as far as order of posting and the guidelines the bank/bank employees get to see for the same transactions. I have learned they are two different programs and items are shown posted differently on both programs. I have read the terms and how things are posted, which seems to be the view the bank employees see and from my research does not seem to follow a set rule system in some postings. I am concerned they are not following their rules when posting items and sending transactions thru to processed status. I run a very tight account as I am not rich and often when i know what my balance is I do another transaction knowing I will have the money and somehow the order of processing changes from their end ( from what I have already seen on my view of the account condition ) and then they end up returning an item and charging their fee ( of {$37.00} per transaction that goes wrong ) or an item that goes over balance all of a sudden according to their view and then they pay the item but still charge the fee ( {$37.00} ). I have several times printed my current screen of postings that they show me, only to come back later in the day to see a different order of postings. I have asked various tellers ( at different branches ) numerous times to explain to me why i see one thing and it looks a certain way ( ok and balanced ) and why they see another view. Some of them have gotten so confused over what is going on that I get a half baked answer once they think they figured out what happened. I understand running my account so tight and forgetting about a check that has n't cleared has XXXX up my account a few times, but not to the extent that their view of book keeping has affected my finances. This has been going on longer than customer access to a daily balance statement online, and seriously I could pay off numerous other bills with the money that has been charged by these nefarious posting 'rules ' that seem to favor the bank 's account more often than the customer 's account balance. I have even written the TCF Bank head quarters ( email ) twice and have received no promise to look into anything nor a satisfactory explanation other than suggesting I reread the posting guidelines and/or keep more money in my account. I have also written a ( now forgotten ) national elected official in charge of finance stuff and received no answer. I am constantly irritated by the seemingly sneaky non-transparent practices that TCF Bank uses to maintain balances.
Product: Credit card or prepaid card

I loss my card and it was an unauthorized purchase on my card and my bank refused to reimburse me my XXXX