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

XXXX  XXXX, is in violation of multiple laws set forth by Congress in regards to my account. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charged off status ), between the consumer ( myself ) and the person ( XXXX  XXXX ) making the report. 

Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 

I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charged off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXXXXXX for the cancelled debt of {$9800.00} in order to file as ordinary income. 

XXXX XXXX is clearly writing off debts with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. This is unsatisfactory! 

XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. 

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

Dear XXXX COMENITY/ XXXX XXXX I was recently reviewing my credit report and was surprised to discover a late payment reported for XX/XX/XXXX ; XXXX to XX/XX/XXXX 2024. 

I am uncertain how this occurred, as I believe I made my payments upon receiving my statements. My only assumption is that my monthly statement may not have reached me. 

Given our longstanding positive relationship, I kindly request the removal of this 30-day late payment from my credit report and a refund of any late fees that may have been assessed. Additionally, under the provisions of the Fair Credit Billing Act ( FCBA ) 15 USC 1666b, I believe I was incorrectly billed. As I do not find this to be an accurate reflection of my payment history, I would prefer to resolve this matter promptly without unnecessary complications for either of us. 

I appreciate your prompt attention to this matter and look forward to continuing my positive experience with your institution. 

Sincerely,
Product: Debt collection

Monterey Collection acct XXXX updated XX/XX/2022 as collection account balance " unpaid '' Account was paid in full
Product: Money transfer, virtual currency, or money service

For the last few months I have used money gram to send money to my fianc who is attending school in a small town that does not have our credit union. However today when I sent him {$1200.00} for a deposit on a house moneygram classified our transaction as a scam. Even though I answered all of the questions and even told them they could call the real estate agent to verify. They said my partner of 11 years was potentially scamming me therefore they could not reslease the funds to him. Then for the icing on the cake they informed me that they would not refund my money for 3-10 days. Holding my money and no doubt gaining interest for 3-10 days. Not sure about the rest of you but {$1200.00} is a big deal in our family of 5. Needless to say no amount of logical explanation was taken into account. So advice to anyone thinking about using this system dont.
Product: Checking or savings account

I DID OPEN A NEW ACCOUNT FOR A FIX DEPOSIT CD. 
ON XXXX FOR 10 MONTH AT 5.30 % INT.RATE. 
TODAY, I NOTICED THEY HAVE PUT ME ON 4.35 % RATE I CALL THEM, THE REFUSE AND SAYS, I DID AGREED FOR 4.35 % INT.RATE. 
WHICH, I WAS NEVERT AGREED FOR THAT. 
XXXX, THEY CAN REFUND ME MY FULL AMOUNT OR TARNSFER FOR ONE YEAR FOR 5.25 % INT.RATE. 
I AM NOT GOING TO PAY ANY PRE WITHROWAL-PENALTY. 
PLEASE HELP ME TO SATTLE MY CASE. 
THANKS. XXXX XXXX MY AC # XXXX
Product: Credit card or prepaid card

You recently sent me a letter and a check to reimburse me for fees that JPAY charged illegally for my preload JPAY card issued in 2012 by the State of Michigan XXXX. 
One question is " Why doesn't XXXX have to pay interest on this money? ", after all they had it illegally for 0ver 10 years. If this had been money that I obtained illegally from anyone, I would have had to pay all kinds of interest and penalties. 
Question # 2 is : I was never able to use the money on this card because they said I didn't have the proper PIN #. When I created the PIN # I wrote it on the card so I would have it, I know this is not advisable, but if I lost the card, I wouldn't be able to get the money anyway. 
My question is, " Can I still get this money back? '' I think I clicked NO when asked if I had contacted them about the problem, the fact is I did ( at least 3 times ). I called their phone number on the back of the card and was informed each time that without the proper PIN # there was nothing I could do. I had the proper PIN #, they just didn't seem to have it.
Product: Debt collection

I didnt receive an itemized bill an my information was given to a 3 party debt collector with out my approval
Product: Credit reporting or other personal consumer reports

To whom it may concern, This complaint is against XXXX, TRANSUNION, AND XXXX for the following violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of XXXX. 


15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. XXXX, TRANSUNION, AND XXXX are in direct violation of this law by reporting my transaction history ( private information ) illegally WITHOUT my WRITTEN CONSENT for XXXX  XXXX XXXX  account # XXXX  and XXXX XXXX XXXX  account # XXXX. Reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Fair Credit Reporting Act compliance. Per 15 USC 6802 I am now exerting MY RIGHT to OPT OUT of sharing my transaction history. All transactions reporting as late on XXXX XXXX XXXX  account # XXXX  must be deleted and updated to paid as agreed. All transactions reporting as late on XXXX XXXX XXXX  account # XXXX  must be deleted and updated to current/paid as agreed. A response of this account has been " validated ', will not be accepted as I am not asking you to validate or verify anything. XXXX, TRANSUNION, AND XXXX are reporting the account XXXX XXXX XXXX Bank Account # XXXX  in the amount {$520.00} as a charge off on my credit report. The IRS CLEARLY defines a CHARGE OFF as a CERTIFICATE OF INDEBTEDNESS which is now INCOME. INCOME CAN NOT be reported on THE CONSUMER REPORT which makes reporting of this account INACCURATE and in violation of 15 USC 1681. Additionally, the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt EXPERIAN, TRANSUNION, AND XXXX reporting collections/Charge-Offs , late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax regarding erroneous, and unvalidated information from XXXX collection agencies, 1 of which has since stop reporting on it's own after I asked the company to validate the alleged debt. 
The two remaining collection agencies are XXXX XXXX and XXXX XXXX XXXX have yet to validate their alleged accounts. I have never given XXXX XXXXs nor XXXX XXXX XXXX permission to receive, collect, nor furnished any of my personal information and private information to any agency ( ies ) or person. 
Equifax seems to be violating the law. 15 USC 1681b Permissible Purpose of Consumer Report. 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Equifax stated that they investigated the alleged accounts and it was verified, and will not reverify the alleged accounts. 
I wrote Equifax again requested information regarding their investigation in XXXX, XXXX. As of now XX/XX/XXXX I have not receive the requested answers to my questions regarding the validation of those XXXX alleged accounts. 
15 USC 1681 a 2 ( a ) ( i ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Money transfer, virtual currency, or money service

Block Inc. ( Owner of Cash App ) Due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, Cash App, owned by Block Inc., failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the Electronic Funds Transfer Act ( EFTA ), 15 U.S.C. 1693f, and Regulation E ( 12 C.F.R. Part 1005 ), which mandate error resolution procedures for electronic funds transfers. Wherefore, These actions have resulted in significant inconvenience and financial loss, and I seek appropriate redress, restitution, compensation, damages, putative damages ; Equitable Remedy for any unjust enrichment, and for all of these violations.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letters to all three credit reporting companies, XXXX, XXXX, and Experian. My dispute letters were for the companies to remove accounts that were being reported on my credit report that are not my accounts. I sent the first dispute letter in on XX/XX/XXXX and then another on XX/XX/XXXX. I have not received an update from them yet and it has been 30 days sent the initial dispute letter.
Product: Credit card

I have always paid this account promptly, avoiding any overdue balances. I don't understand why there are late payment marks on my accounts. Based on 15 USC 1666b, any billing errors should be addressed.
Product: Checking or savings account

I went inside to make a deposit, was told by manager that no hold would be placed on my funds due to it being a cashiers check, got an alert saying a hold was placed with no reason as to why
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I opened a account at Key bank online. I then went the next day and deposited my payroll check and an expense check. No issues. I then set up direct deposit. 

I travel for work so my new account had log-ins in multiple states. They froze my account. I went to the bank and verified everything NO FRAUD! They then told me my account is frozen for 90days and I cant use it. Since then I have had a direct deposit rejected and waiting for a new check to be cut, my initial pay check is frozen. No funds going on 3 weeks now till I get a 3rd check. Been assessed countless fees, services being suspended, and I cant even even buy food for my home.

The bad workers said I cant help you or I could lose my job my funds are frozen unjustly and now I have occurred financial hardship, My services are off, and I cant eat. Nobody is helping or seems to care there. I dont know what to do. I also feel they owe me my funds plus the fees Ill I have to figure out. It will take me months to recover from this neglect.
Product: Debt collection

To Midland Credit Management and XXXX XXXX XXXX XXXX DATES OF ATTEMPTS XX/XX/2023 XX/XX/2023 XX/XX/2023 This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above named Title and section. I respectfully that your office provides me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove that the Statue of Limitation has not expired on this account ; Show me that you are license to collect in my state ; and provide me with your license numbers and registered agent or agent of service. 
If your office are unable to submit the requested information, I request immediate removal from credit report. if your company is able to provide the requested information I require 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX XXXX  continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX XXXX  to dispute the debt only to get cussed at
Product: Debt collection

I HAVE CONTACTED MIDLAND CREDIT MANAGEMENT TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF $ XXXX ACCOUNT ORIGINAL CREDITOR WAS XXXX, XXXXTHE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiry made by US Bank on my credit today ( XX/XX/21 ). I did not in any way solicit, inquire or communicate with anyone related to this and only learned about it when I received an alert about a hard hit on my credit. I am on XXXX XXXX.
Product: Mortgage

During a loan modification process, prior to having the partial claim document recorded by the county, [ over a year after I signed & had it notarized ] a Bank of America employee modified the document, crossing off the work 'subordinate ' [ as it appeared before the word 'mortgage ' ] several times from the document, without my knowledge or consent.
Product: Debt collection

I received a notice of the collections account from the credit reporting agencies. I have made multiple attempts to rectify the situation and have learned that the hospital involved never attempted to seek payment through all my available insurances at the time resulting in this debt. I stated since the proper billing channels were not used this should not be my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Address is incorrect an someone is using my social to get credit cards an loans
Product: Checking or savings account

In XXXX of 2015 Chase bank took {$1000.00} and closed my account. I was never given an explanation and never received the funds. My son was diagnosed with XXXX soon after this happened. I called multiple times and could never get a resolution. It's been almost 10 years - enough is enough.
Product: Checking or savings account

On Friday XX/XX/XXXX  I made a mobile deposit into my Penfed Deposit Account of which is a payroll check from my employer to buy groceries and pay Bill 's. Only when buying groceries at the store and getting to the checkout only to have my card declined for insufficient funds. The check was from my employer of which Penfed has received deposits with this same employer previously multiple times. After being embarrassed at the store I proceeded to call Penfed to try to understand the reasons to hold my labor earned and tax withheld check. The first representative said they need me to send a pay stub to be able to release the funds. I did not understand the reasoning for this. So I asked to escalate and speak with a Supervisor. The supervisor by the name of XXXX said the reason they cant release the funds because they cant see the Check. I said well I deposited Via Penfed app because there is not a branch location. XXXX said they use a 3rd part service provider is to why the image is not available. XXXX offer a temporary release of partial funds and that she would be working on XX/XX/XXXX  and the image should be available. Well on SATURDAY XX/XX/XXXX XXXX left a message on my personal phone letting me know there is nothing she can do and I can not access my funds until She is in the office Monday. This seems like Consumer abuse and discrimination. Today is XX/XX/XXXX  and I called Penfed to try and speak with someone as I am in desperate need of my funds. The first representative XXXX said she needed my email address to verify account After I already gave them Name, Last four of social, birthday. I informed XXXX I did not feel comfortable divulging my email as this was never a past requirement. XXXX said she would hang up if I didn't want to to divulge my email. This seems like discrimination. The next representative name was XXXX I believe. I explained to her that I would like an alternative to email verification. She was able to send me a one time SMS. Yet XXXX hung up on the me the account holder. After asking to speak to a Supervisor again which never came on the call. XXXX Informed me the Supervisor said they wont release my funds from my labor. I explained I am in desperate need and that is all the money I have available for my kids and I. Well to bo avail. They would not release my hard earned pre taxes funds. To top it off Penfed previously send me an offer in the mail for a 0 % pre approved card to help pay down high interest debt. Well after accepting I received a denial letter even thought to this day Penfed still has a Security Instrument on file for the credit they turned around and said I was denied for. I also wrote a letter of reconsideration making good faith effort to reduce interest with Penfeds program and showing I am more than capable of repayment of credit and that if they can not give me a reason then I consider that discrimination. Which is illegal under the Federal Equal Credit Opportunity Act.There is a lot of issues at this institution. Mishandling of sensitive information! Consumer abuse.
Product: Credit card or prepaid card

Purchased a XXXX dishwasher online on XX/XX/2021 and charged the purchase to my XXXX Shop Your Way credit card. 

Due to a delay with the manufacturer the dishwasher installed on XX/XX/2021. Upon testing it is observed the top tray is broken and rubs against the rubber seal. Instead of insisting to remove it from the residence, a call was placed to the installer. 

The same installer arrived with a replacement dishwasher on XX/XX/2021, and the replacement dishwasher had the same top broken tray defect. The old defective dishwasher left in the residence. 

A dispute filed submitted to Shop Your Way Mastercard on XX/XX/2021, for {$710.00}. 
XXXX ID XXXX is closed. No contact from XXXX, installer or anyone. Case closed with no resolution. 

Received a statement dated XX/XX/2021, with a statement balance of {$0.00} XXXX of {$710.00} posted on XX/XX/2021, from XX/XX/2021 Called XXXX XXXX XXXX XXXX multiple times in excess of XXXX XXXXXXXX  and not able to speak to anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

They have no idea what they are doing. See attached breakdown for why they say my credit is XXXX. Every time something positive happens my score either does down or stays the same. 
I want an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a Amazon credit card through Chase bank.. A month  or so later, I received a call from chase, wondering when I was going to pay my overdue bill.. I immediately paid the bill in full over the phone on the first call.. 
When I asked why I never received a bill, I was told that upon agreement, I agreed to it. That if I wanted a paper bill, I would have to call or go online to opt out of paperless billing. 
I received notification of a reported late payment on my credit report.. JCMPB card over 30 days late, with an overdue amount of $ XXXX..I dont believe Chase should hide the paperless agreement in the fine print at signup. Im sure it saves them money by not having to send bills out, but they should request the customer to go paperless. Instead, they force the customer to go paperless in the fine print that no one really reads, and then blames the customer for late payment when they receive no bill in the mail, to remind them to pay it.. 
It seems predatory to me that are doing this to save themselves money from mailing bills. On top that, they reported a 30 day past due amount of {$0.00} that trashed my credit score.. If I was late on a XXXX bill, how can I be late ... if I owed nothing? Chase customer service told me you can contest it with the credit bureaus if you want to.. Why should I have to contest being late on {$0.00}?