23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

During XXXX, AMEX illegally reduced my credit line over XXXX and I never missed one payment from them. Credit Protections Under the XXXX  CARES Act Under the CARES Act, if your account is up to date and you make a debt-relief deal with a creditor, that creditor must continue to report the debt as current. Take in mind, I NEVER used any CARES ACT for AMEX express, please see credit report history. Yet, it seems they used inaccurate data to illegally find a reason to say Im a POTENTIAL RISK. Ive came to them with good faith requesting my credit line increase and was gaslighted with unexplained jargon that deflects the wrongdoing that took place with this transaction. AMEX please send over your legal departments email contact, mailing address and the name of the department as I plan to move forward exercising my right to my OWN credit and you guys are refusing to increase my credit line. I want the maximum amount allowed for my credit line with retaliation. The Equal Credit Opportunity Act ( the ECOA, 15 U.S.C. 1691-1691f, as amended ) prohibits discrimination in credit transactions on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public benefits ( such as Social Security XXXX XXXX or because a person exercises his or her rights under a consumer protection statute. ECOA applies to both the original extension of credit and to actions taken after the credit is extended, such as the termination of an account. If a creditor violates ECOA, a consumer may be entitled to actual damages and punitive damages up to {$10000.00}. In addition, ECOA contains a fee-shifting provision which may require the defendant to pay the plaintiffs attorney fees and court costs. And I can prove that your establishment used discrimination due to RECEIPT OF PUBLIC BENEFITS! I Came to you guys with good faith and I have EXCELLENT credit history with your company. Im not letting up until Justice is served. How is it legal to reduce a consumer credit line over XXXX DURING THE PANDEMIC when it was needed the most! Yet the consumer never not once missed a payment. Reducing my credit line immediately made my credit utilization skyrocket negatively and drastically reduced my credit report. And for some reason credit karma is only showing my credit history from XXXX correctly but I opened this account in XXXX.
Product: Mortgage

XX/XX/2020 I had a water leak at my house my insurance XXXX XXXX issued me a check for my water damage lost of XXXX to me and my lienholder Midland mortgage I have been having trouble since XXXX trying to get funds to fix my house Ive suffered With this weather related in XXXX that we had I do not have floors, kitchen or walls it all got demoed due to water damage my house was very cold 52 Ive been back-and-forth with Midland submitting paperwork every time I call to follow up Ive been told different by all different operators that I even asked my insurance agent to help me we called on a three-way line to try to get some help for me all Im asking is for them to release the funds so I can fix my house back I am going on for months with my house being destroyed I am stressed out about the situation Ive been in my house for 22 years I am asking for somebody to help me with this issue yes I did receive XXXX Of the XXXX but that was nothing I had to buy material for the floors at least upstairs my sons room is plywood when I called back now theyre telling me that I have to do another stack and wait 10 more days for them to research it I think this is ridiculous
Product: Credit reporting or other personal consumer reports

I disputed an account with Experian, stating that I do not recognize or owe this debt, as I have no contractual obligation with this agency XXXX XXXX XXXX XXXX. They failed to provide proper validation of the debt as required under 809 of the FDCPA. Instead of removing the unvalidated account, they updated the status to 'closed, ' which is misleading and inaccurate under 611 of the FCRA XXXX I request immediate deletion of this account from all credit reports and cessation of collection efforts, as my rights under the FDCPA and FCRA have been violated. ''
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, and XXXX is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreements to show full ownership of the accounts and also other documents so I XXXX review to see if they are actually accounts that belongs to me.
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/2022, I went through the remitly app to send to {$55.00} to my nephew in XXXX which is XXXXXXXX XXXX in XXXX funds and as of today which is XXXX XXXX it still says in the application that the transaction is in progress but yet the funds was taken off my credit card and I was charged a cash advance fee as well but the funds still haven't been released or received by my nephew. I have called every single day on this matter and I continue to get the same response that it should take 4-5 hours to be resolved but yet it has been a week and 2 days now and nothing has been resolved or rectified. This is absolutely unacceptable and I am very appalled.
Product: Debt collection

USAA was given notice requesting the following : I was represented by counsel ; and All communications regarding this debt were to be directed to my attorney ; and Debt was not to be discharged or sold during verification and settlement process ; and To have a representative, having actual authority to settle, change, amend, etc. this account, call my attorney ; and Send verification of the debt to the address on the account. 

USAA has sold the debt prior to verification, not contacted my attorney, not verified the debt, and had a third party collection company call my husband 's phone looking for me in an attempt to collect this debt.
Product: Credit card

Apple XXXX was hacked and my Apple Card alone I have had since XXXX and I have not been able to access or receive statements because my phone was hacked. Each time I have tried, XX/XX/XXXX and henceforth till XX/XX/XXXX I have run into difficulty and presently still unable to use the card. The phone number XXXX and email address XXXX unable to use. The Apple sources are not friendly, I go to the Apple Store in XXXX, XXXX at least monthly and in XXXX I went each week, and have not receive the help I really need. I'm just an after thought and I need some assistant, My card is paid off but on the phone whomever still had access to my XXXX, XXXX, XXXX XXXX which I had to closed the account which showed my card was paid of and they some how they reversed the charging my account. Thank you for your assistance.
Product: Credit reporting

Equifax is required to have the docs associated with the accounts in their files PRIOR to even reporting them pursuant to section 609 and those docs are to be made available to me. I requested those docs last month and only received " results '' stating that XXXX these accounts are verified and accurate. 

If you see XXXX V XXXX 1997, you will see that Congress states that once I notify the bureaus that I believe their information to be inaccurate, they must not only reinvestigate but must also go beyond the original source of information. They did not even conduct an investigation, as I contacted each company and was told that they were not even reached for verification and that the information in my credit report is IN FACT INCORRECT. So where are they getting their information from? 

I 'm including my current dispute letter as well as the XXXX previous dispute letters which clearly state my disputes. I have also forwarded these letters to my attorney.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, 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 : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and unauthorized information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I did not authorize XXXX, XXXX, or Equifax to include the following accounts on my report : - XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The open dates, dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report. 

Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties. 

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.
Product: Student loan

I am currently participating in the Public Service Loan Forgiveness ( PSLF ) program as I am a public servant. Part of the requirements in order to be eligible for PSLF is submit a employer recertification form every year. I've been doing this for 7 years now, with no issues. However, this year I've had issues with Fedloan Servicing ( my current loan servicer ) accepting my PSLF form. I have submitted this form 4 times now and each time I receive a response that I am missing information of some type despite have the correct information on the form. Every time I talk with customer service they also insist if I resubmit my form again any issue will be corrected. I have resubmitted my form four times now and the issue is still not resolved and the issue continues to change each time despite me not changing any information. I first submitted my PSLF re-cert on XX/XX/2021 and received an email that my signature was invalid. It was an electronic PIV signature that I've previously used in past years without issue. Myself and my supervisor resigned with a digital signature ( drawn digitally ) and resubmitted. On XX/XX/2021 I received a notification that my signature was once again invalid and my employer did not fill out section 4 of the form for non-government employees ( which is incorrect ; section 4 was not needed since I was a federal employee and it was clearly marked that I was and the form instructs you to skip section 4 if you are ). I called Fedloan about the form and they said that the digital signature needed to be a " wet signature '' and that the section 4 error was a mistake and to ignore. The only issue was the digital signature. I asked why the change in not accepting digital signatures as they have accepted them in the past and that we were also in a pandemic so getting a " wet signature '' was near impossible since we are all working remotely. The service agent referred me to their supervisor and they said the same thing that the " rules changed '' and now only " wet signatures '' are accepted. I was fortunate enough to see my supervisor briefly while being XXXX out for work and they were able to sign my form that day so I resubmitted it again on XX/XX/2021 with now a " wet signature ''. No other details were changed on the form. This last time, my supervisor resigned the form and there is the tiniest little ink smudge by their signature date and my form could not be validated because it had been " altered '' ( I've provided form as reference ). I spoke with XXXX from Fedloan Servicing ( Employee ID XXXX ) who said that because of this ink smudge that my supervisor would either 1 ) have to resign the form and initial it or 2 ) call Fedloan to verify. This is incredibly difficult to do as both my supervisor and myself are XXXX on different disaster events where we're 1 ) not working together in the same physical location to get them to resign 2 ) we are busy responding to events where the ability to call in to verify this is a burden and not possible within the timeframe that Fedloan has their call lines operating since they're on XXXX  time and we both work XXXX time hours.
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than XXXX years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00}.
Product: Credit card or prepaid card

I am a customer of continental finance, by way of Celtic bank.On or around XX/XX/XXXX, I disputed a charge of {$620.00} with my credit card department. Followed all procedures and answered all questions. On or about XX/XX/XXXX the dispute was finalized in my favor and I was awarded a credit of {$620.00} and also was sent a letter stating so. I then called in the following month, XX/XX/XXXX, and was disgraced to find out that the disputed balance of {$620.00}, had been reapplied to my account. This reapplication then created a balance owed of {$1800.00}, taking me over my credit limit. This is the only card I have in a negative status as I have worked hard over the last 2years to rebuild my credit. This also came at the worst time and disqualified me from the ability to purchase a home. This has effected me as well as my family.
Product: Debt collection

I canceled XXXXXXXX XXXX XXXX because I sold the home. XXXX continued to charge me. I found out and contacted XXXX. The removed the charges. After some time I get a letter from a debt collector. I told them and the debt was resolved. Now a new company is requesting payment for a 3 year old account. I contacted XXXX  they declined to send records but said my final balance was XXXX. Zion Debt is requested XXXX. I received text messages stating just pay and they will leave me alone. Thats not fair.
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from MIDWEST RECOVERY SYSTEMS in XX/XX/2017 in the amount of {$410.00}. First and foremost, I have confirmed that the debt collector, MIDWEST RECOVERY SYSTEMS is not licensed in the state of Texas to collect on this debt. Secondly, MIDWEST RECOVERY SYSTEMS violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to MIDWEST RECOVERY SYSTEMS? I have never heard of them, have no written contract with them and have never received any benefits from them, yet MIDWEST RECOVERY SYSTEMS has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$410.00}.
Product: Credit reporting or other personal consumer reports

I pulled my credit and saw that my information are reported wrong in my credit profile from all XXXX bureaus. The issues are still going on and my credits are still affected. My student loans, personal information, some debts are wrong. My credit report and wrong information are stopping me from getting loans for my school. 

The attached files contained the letters that I sent to resolve the issues. The actions taken are that on XX/XX/XXXX, XXXX, XXXX, i sent certified mails to all credit bureaus and none of the issues have been revolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Urgent Dispute - Violations of FCRA Sections 611, 623, and 623 ( A ), and Unauthorized Removal of XXXX XXXX XXXX Account To whom it may concern at TransUnion, I am writing this urgent letter to address XXXX significant disputes on my credit report that require immediate attention and resolution. These disputes pertain to the erroneous reporting by XXXX XXXX XXXX and the unauthorized removal of a positive account from XXXX XXXX XXXX. Both actions have negatively impacted my credit profile and are in direct violation of the Fair Credit Reporting Act ( FCRA ) Sections 611, 623, and 623 ( A ). 

XXXX XXXX XXXX XXXX : Under FCRA Section 611, I demand that XXXX XXXX XXXX 's fraudulent reporting be thoroughly investigated and corrected promptly. The violations include : a ) Incorrect Balance Reporting : XXXX XXXX XXXX is reporting an inflated balance on an account that has been previously charged off, misleading potential lenders and damaging my credit profile. 
b ) XXXX XXXX XXXX : Despite showing an open account, XXXX XXXX XXXX is reporting it as charged off, leading to inconsistencies in my credit report. 
c ) Inaccurate Late Payment Reporting : XXXX XXXX XXXX is inaccurately reporting late payments on an account that has already been charged off, causing significant harm to my creditworthiness. 

TransUnion 's failure to address these disputes violates FCRA Section 623, which mandates a reasonable investigation and timely response to consumer disputes. Your inaction also violates FCRA Section 623 ( A ), which requires the accurate and prompt correction of any inaccurate or incomplete information on my credit report. 

XXXX XXXX XXXX Dispute : Furthermore, I demand the immediate reinstatement of the XXXX XXXX XXXX account on my credit report. This account, which had a positive closed status, was unlawfully removed without my consent or authorization. This action violates FCRA Section 611 and has unjustifiably harmed my credit history. 

I insist that TransUnion promptly investigates and resolves both of these disputes as required by law. Failure to do so will leave me no choice but to pursue all available legal avenues to seek appropriate damages and remedies for the harm caused by TransUnion 's violations and unauthorized removal of the positive account. 

I demand immediate action to rectify these issues and request written confirmation of the corrections made to my credit report, in compliance with FCRA Section 611. 

Please acknowledge receipt of this dispute and provide a written response detailing the steps taken to address both disputes. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Maryland State Attorney Office
Product: Credit card or prepaid card

XX/XX/2018 card was declined i called the company capital one and i was told they suspected fraud because my mailing address was changed .Apparently during the conversion from Cabelas credit being sold to capitol one due to the merger of bass pro shops and Cabelas some XXXX at capitol imput my home address incorrectly a new card was issued to me however they never sent a new card for my husband. he called and was told on two seperate occasions that a new card was on the way The first was regular mail and the second was to be expedited overnight, Neither card was ever sent after repeated calls to capitol one they told me the cards were not sent. my husband was so livid he called and cancelled his card and explained to Capitol one not to cancel my card. well capitol one did just that they still have not resolved the issue and i have not recived a new card, totally disgusted being lied to directly by a financial institution. If I did not have XXXX in accumulated points at Cabelas I would cancel my card but i can't use my points without a card thanks XXXX XXXX XXXX XXXX