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

In accordance with the Fair Credit Recording Act XXXX Acct # XXXX XXXXXXXX has Violated my rights Via XXXX XXXX XXXX A third party Agency. 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX Never informed me of my right to exercise my nondisclosure option. This account Shows on my credit report as a Charge off and Per the IRS Publication 4681 States, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return '' I have attempted to get this off of my credit report can you help me
Product: Debt collection

Midland Credit Management has reported incorrect balances to credit bureaus and updated the tradeline with {$1.00} changes in order to keep the collection new and cause maximum damage to credit score.
Product: Checking or savings account

Citibank sent me U.S. postal service mailing with a personal invitation code, to be used to open one of four types of checking accounts in order to receive a cash bonus. I used its online application to request opening of a Basic Banking checking account, which offered a 4 % cash bonus. I took note that nowhere in the application was I asked what type of checking account I wished to open - I thought that odd. Soon after online application submission, I received an email from Citibank indicating I had opened a City Priority checking account, which is not the type of checking account I wanted. The cash bonus for a City Priority account is 1.2 %. I immediately called the phone number given in the checking account solicitation mailing : XXXX. I told the Citibank rep. I wanted to be sure the checking account I had just applied for/opened was a Basic Banking and not City Priority account. I was transferred to New Accounts, and that rep. told me the type of checking account could not be changed. I requested immediate cancellation/closing of any Citibank checking account. I then asked if the personal invitation code could be used again, in a second attempt to open a Citibank Basic Banking checking account. She said the code could be used again after 150 days. I pointed out the last day to apply for the cash bonus account opening is XX/XX/19, less than 150 days away. I told her I will file a complaint about false, misleading advertising by Citibank. This is a " bait and switch '' operation. I consider this fraudulent behavior by Citibank.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaints : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX consumer credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX Bank on XXXX, XXXX under the account number ( XXXX ), an auto loan account opened at Quality Acceptance on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX, XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I have contacted Equifax, XXXX and XXXX several times asking them to update my address to XXXX  XXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my credit reports.
Product: Checking or savings account

I made a purchase from XXXX XXXX  XXXX for XXXX and they tried to refund me but Ally Bank prevents refunds from going through and then tells me to call the merchant the merchant sees it has been refunded on there end. This has happen several times with Ally Bank which is not right as the refund should be allowed since the account number remains the same. Ally Bank was notified in XXXX about a XXXX purchase for XXXX that I had not received the item they did not do a proper investigation on the fraudulent company who sent me nothing still to this date nor provided proof of the item. The merchant is saying Ally has the money has a chargeback was filed Ally is saying contact the merchant knowing that they will block the refund on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge, I have not signed any documents authorizing the following companies too view my credit history therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

XXXX XXXX Inquiry from XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ... Experian XXXX for XXXX Inquiry from XX/XX/XXXX ... XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX
Product: Credit card or prepaid card

Discover Credit Card- Discover sent me a email stating there were multiple fraudulent charges mentioned on my account. I confirmed with the creditor which purchases were fraud and they proceeded to mail me a new card. I received my new card but, before I could use it I received another email ( from Discover XXXX that IRS needed me to complete a 4506-T form for account verification. Skeptical, because my account was recently hacked, I asked the Rep to verify my account info before I complete the form. The representative refused. I proceeded to disregard the request at the risk of it being fraud due to the recent activity with my account. Yet, I still completed the form because- it's the IRS ! I began receiving more of the same request and was contacted by a representative. I informed the rep that I completed the request and he proceeded to tell me to disregard his call. I then received a email from Discover on XX/XX/2020 stating " we need to talk right away ''. I returned the call within 48hrs just to be told my account was deactivated " due to business reason. '' I asked to speak to a superior for better justification but she could not get a Manager to answer the call. The representative took my information and complaint to have my request reviewed by a manager for a return phone call. I never received a call back from Discover, but I contacted them AGAIN for reason why my account would be deactivated ( XX/XX/2020 ). The representative now discloses that my account was closed because of an address dispute. This is poor Management at the least, but discrimination by a company with such history could be argued. I am a XXXX XXXX who gets appointed to sites for work. Therefore, I have a primary address and my current address. Such a clerical justification could have completely allowed for customer satisfaction if properly considered. But, that's not the case in this matter. Instead, the customer has to have a blemish on their credit report : aging history, debt to income, etc. Not to mention, I never had a late payment with the creditor. I hope you consider my complaint reasonable and justified. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is showing up again. I spoke with windsong- this never should have been charged to me. I had nys no fault AND private insurance AND NYS XXXX as I was pregnant. They advised me they would be removing it. 

Now its back on my credit report, apparently from a collection agency, that I have never heard from either.
Product: Payday loan, title loan, or personal loan

I could not get a loan with Citizens to buy a phone at XXXX and the logical thing is that Citizens sent me checkbooks and they could not open an account of a minimum amount compared to what I could use with checks.
Product: Credit reporting or other personal consumer reports

I was notified by a credit monitoring service that my credit score decreased. I checked my credit and realized XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MI XXXX conducted a hard inquiry against my credit for automobile financing purposes on XX/XX/2023. I did not request this inquiry. It was fraudulently conducted without my knowledge or consent. I would like XXXX XXXX XXXX to contact the XXXX main credit reporting bureaus to have this hard inquiry removed.
Product: Debt collection

I have a debt that university of XXXX is claiming that I owe them due to my not taking a masters program with them after I took the bachelors program. They sent this debt to a collection agency and I have been making {$25.00} payments once a month to States Recovery System, Inc. On XX/XX/XXXX I get a letter saying that I have XXXX of XXXX outrageous payment agreements to make or they are moving forward. The XXXX option is to pay {$2000.00} a month. The XXXX one is {$1100.00} a month. The third one is to pay {$670.00} a month. They gave me until XX/XX/XXXX to make a decision when the letter was dated XX/XX/XXXX and I got it on XX/XX/XXXX. I do n't know how these payments are justified out of the clear blue sky when I have been making payments that I can only afford and I have not been ignoring them or running away from them either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX for XXXX. The account has been closed since 2012 and is now showing open on my credit report. This information is inaccurate on my equifax report. This has affected my credit report with the wrong information. The account was opened 7 years ago and should 've been removed. I 've disputed this and now it 's showing all this different information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid for the highest level product from Equifax for the protection of my identity and the most updates of my credit report. In the end I had paid hundreds and yet I have been informed I am compromised again. I find this very XXXX, I once dreamed of owning a home, now I will be lucky if a bank will issue me a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these public records with XXXX XXXX and they refused to remove the public records, they advised they verified the information, I Sent a letter to the XXXX XXXX of Michigan courthouse and I asked if they report bankruptcies To the credit bureaus, they said they do not report to anyone how did they verify this was accurate. According to section 602 states that I have a right to privacy 15 UCC 1681 604 a section 2. They never did a fair investigation according to US C 15 181 section 603E which states the term investigated consumer report or portion thereof are obtained through personal interview
Product: Checking or savings account

On XXXX my account was accessed in the middle of the night. I realized this on XXXX and immediately locked my card. I filed a dispute with my bank and they denied it. I filed two subsequent appeals and both were denied. I requested the address where the transactions took place and they have refused to give it to me. The conversations are recorded. I don't understand why the bank thinks this is normal banking activity.
Product: Vehicle loan or lease

I sent out a Dispute in the XX/XX/2020 requesting They investigate the Auto Loan On my credit report and I Also requested to remove it off my report due to the fact I was sold a lemon. However, I wrote XXXX, XXXX, and XXXX on XX/XX/2020 a Second letter demanding that they comply to my dispute as well as explaining they have 30 days To respond & I havent received any notice or response back from the disputes I sent to All 3 credit Bureaus. I will be most grateful you if you can looking into the matter. 
Thank You for your time consideration.
Product: Credit reporting or other personal consumer reports

I am very stressed out. I've been ignored repeatedly and there still hasn't been any action on my credit. I don't think anyone is paying attention or are looking through my complaints at all. My credit is extremely important to me and I need you to take action immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went to the ER with XXXX XXXX and XXXX  of XXXX. Upon being admitted to the ER I provided them with insurance information which was XXXX XXXX XXXX XXXX XXXX of Washington. At that time my employer was XXXX XXXX in XXXX, WA. They ended up diagnosing me with XXXX, even after my results came back three days later negative. The hospital never once sent me a bill or itemized statement of the account that day. Until one day I found three collections on credit report. All of them were from this visit to the ER during XXXX. The hospital had billed my old insurance, XXXX XXXX. I have been trying to resolve this and get this off of my credit for over a year. The three collections were : one for the hospital bill ( XXXX ), one bill for the radiologist XXXX, XXXX, and XXXX ( credit management ), and the XXXX XXXX XXXX. So I received three bills and three collection accounts from this one visit. I provided the hospital with my insurance card and even had XXXX XXXX call them on a three way call so they could pay this. This hospital refused to give me a superbill and said there was nothing they could do, I needed to call the collection company it was sent to. So I did just that, they are unable to give me a superbill because they dont have it. SO I called the hospital again, and get another person and come to find out they told me the bill had been paid for by federal grant money. I do not understand how this can be allowed on someones credit. Someone who has no late payments whatsoever. I had to purchase a car this past year and Im going to have to refinance it because I am paying a much higher interest rate because of this. Now I have been trying to resolve this for over a year. Would someone please help me. I am a at the end of my rope. No one wants to help me, they keep passing the buck and all three credit bureaus are of no help either. I have disputed these items 2+ times. I have even asked for a copy of the debt from the collection companies and they refuse to send me one stating, you need to contact the hospital to get a copy of your bill. It is a never ending vicious cycle. Please help me. 
I finally did get someone to mail this for me and my dad listens to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My mother keeps getting calls on her cell for me saying I owe this debt that I have never heard of the original company or the collection company. The caller says they are going to come seize all my property and my checking account if I do not pay them. Once again I never signed anything for this debt.
Product: Debt collection

I had a debt that was sent to EOS CCA from XXXX XXXX. I settled the debt out with paying less than I owed last year in XXXX. I received two 1098- E statements issued for the amount {$3300.00}, but with separate Lender Name 's and TIN. I am unsure which one I should use to file my taxes, which I have been transferred several times and have gotten no where. 

EOS XXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX and US Asset Management, Inc XXXX XXXX XXXX XXXX, XXXX  XXXX Why would I receive two 1098E statements for the same debt. Also, I received a 1099C on the canceled portion of the debt, but per Notice XXXX-1 that lenders are not required to, and should not, issue Forms 1099-C when certain student loans are discharged. Lenders and their servicers should act now to review their tax reporting procedures for compliance with the Notice. 

Based off review of the notice, it pertains to private student loans, which this company collected on behalf of XXXX XXXX, which would considered a private student. The company issued the 1099C, which would impact my taxes and cause me to have to pay taxes on the canceled amount.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill it legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provide evidence to furnisher, accepting unreliable response and failing to adequately notify consumer of dispute outcome. These failures align with my experience, where XXXX has neither corrected nor removed or amended the disputed account, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please I need help with this inquiries i dont recognize to please have them removed from my credit XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XXXX XXXX CAPITAL ONE on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE on XXXX XXXX XXXX XXXX on XXXX XXXX CAPITAL ONE NA on XXXX XXXX CAPITAL ONE AUTO FINANCE on XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed all my accounts with citizens bank, ( which are all under my personal name ), with the XXXX XXXX XXXX mgr, XXXX, back in XXXX.About a month ago I see a 30 day, {$20.00} fee late payment my credit report. After several calls, I got a rep who gave me a credit for the {$20.00}, and would sent the info to " credit dispute '' to look at and remove the negative report, and they would be in touch with me. Neither has happened. I keep trying to reach somebody in that department, and am always told they have no phone number. 
They are hurting my credit report for an inarticulate report of late payment, after the account was closed, and amount credited.They need to be sure of the situation before hurting my ability to borrow money, and should be able to be reached to quickly resolve problems! This is irresponsible of them
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 168b permissible purposes of consumer reports. 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. 


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 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

On XX/XX/2023, after receiving a call from Amsher Collection Services, I immediately contacted XXXX  for clarity. The XXXX representative assured me that I had no outstanding balances. It raised concerns about the possibility of identity fraud and that an unauthorized purchase might have been made under my name. 

Despite no prior communication from XXXX ( via email, phone call, or regular mail ) about any outstanding {$440.00} balance, on XX/XX/2023, Amsher Collection Services marked a debt against my account. This unforeseen action caused my credit score to drop from the XXXX to plummet by more than XXXX points. 


On XX/XX/2023, I proactively reached out to XXXX and Amsher Collection Services for clarity. Interestingly, Amsher Collection Services shared that they've had other customers voice concerns about potential duplicate accounts with XXXX that resulted in collection charges. Upon connecting with XXXX, they acknowledged a discrepancy : an outstanding balance from my personal account, related to equipment, was never moved to my business account ( and not identified by multiple customer service reps on previous calls ). 

When the discussion shifted to the bill, the manager inquired about a final bill. I always handle my bills online, so any outstanding balance should have been visible there, but it was not. It's worth noting that I updated my address months before moving. And, considering we're talking about XXXX, I'd have expected them, at the very least, to reach out to me on the contact number ( cell phone ) they have on file. 

The XXXX manager stated they were unable to reach out to the collections company on my behalf to resolve the issue. I asked for the dispute department info, legal department info, and a return call from the General Account Supervisor and stated I would contact the executive team to request additional assistance.