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

XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW Washington, DC 20552 Subject : Complaint Regarding Inaccurate Reporting of Charge-Off, Unauthorized Sale of Information, and Failure to Provide 1099-C Form Dear CFPB, I am filing this complaint concerning an inaccurate charge-off reported by XXXX XXXX XXXX XXXX on my credit report under account number XXXX. In addition to the incorrect reporting, I have discovered that my personal information was sold to a third-party debt collection agency, XXXX XXXX  XXXX XXXX XXXX XXXX without my consent. 

Application refers to the act of applying payments or credits to an account. In this case, XXXX XXXX XXXX XXXX has failed to correctly apply the necessary documentation to my account, particularly the 1099-C form, which signifies the discharge of a debt. The absence of this form suggests that the debt was not legally canceled but continues to be inaccurately reported as a charge-off. 

Securities are financial instruments that hold some form of monetary value, including debts like the one in question. XXXX XXXX XXXX XXXX has treated my personal information as a tradable security by selling it to XXXX XXXX XXXX XXXX XXXX, for collection purposes, without my explicit authorization. This unauthorized sale not only violates my privacy but also potentially breaches the Fair Credit Reporting Act ( FCRA ), which mandates accuracy and integrity in the handling of consumer credit information. 

Despite my repeated requests, XXXX has not provided : A copy of the original signed agreement between myself and the creditor. 
A detailed accounting of the debt, including all payments and charges. 
Proof of the legal assignment of the debt to XXXX XXXX XXXX XXXX XXXX, for collection or charge-off. 
A copy of the 1099-C form, if the debt was indeed discharged. 
This mishandling of my information and the subsequent incorrect reporting of the charge-off have significantly impacted my creditworthiness. I request that the CFPB investigate this matter, ensure that XXXX complies with federal laws, and hold them accountable for the unauthorized sale of my information to XXXX XXXX XXXX XXXX XXXX. 

UCC 9-210 : This section provides that a debtor can request an accounting of the obligation, which includes the right to receive a statement of the debt owed. If a creditor or collector fails to provide accurate accounting or misrepresents the debt, it could be a violation. 

Fair Debt Collection Practices Act ( FDCPA ) : Though not part of the UCC, the FDCPA is relevant for regulating the behavior of debt collectors. Selling or transferring debt without proper notice to the debtor, or without proper validation of the debt, can be a violation of the FDCPA. 

Fair Credit Reporting Act ( FCRA ) : Inaccurate reporting of debts to credit bureaus is a violation of the FCRA, which requires creditors and collectors to ensure the accuracy of information they furnish to credit reporting agencies Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The dealership never called me to make me aware that my care was no longer in there care an XXXXXXXX XXXX XXXXXXXX understood that. Its like leaving a child in your care an not giving a cursory phone call to the parent that something is wrong or this an that happened. 

From XXXX XXXX XXXX XXXX from XXXX XXXX  was trying to contact me about my car. As I was getting the deductible ready to pay them. She never stated on the voicemail that my truck would asses fees if not picked up right away. 

On XX/XX/XXXX the XXXX company came and got my fees they charge them the deductible of XXXX which is fine but then they charged them XXXX for storage fees which I know for a fact even when I talked to the XXXX XXXX I wouldnt have been charged myself so why would they charged them that especially when they have no signs outside of the body shop, nor inside by the booth or by the coffee shop waiting room. 
Which I have pictures of. 


On XX/XX/XXXX I talked to XXXX again an even though her words she understood an I was right she wasnt the one who could reverse the only XXXX XXXX could. 

I have left XXXX several voicemails even messaged with the receptionist an sent emails I havent gotten one call back or a reply to my email.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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
Product: Debt collection

AFNI, Inc. 
XXXX. XXXX XXXX  To : The Office of Registered Agent for AFNI, Inc. 

From : XXXX XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate on the XXXX XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, please forward to your ATTORNEY and LEGAL DEPARTMENT. 




By : XXXX XXXX XXXX XXXX
Product: Debt collection

INFORMATION IN MY REPORT WAS INACCURATE ALL THE ADDRESSES THAT WERE ATTACHED TO IDENTITY THEFT WERE LEFT ON MY CREDIT FILE BUT THESE ACCOUNTS ARE NOT MINE THIS IS MY THIRD ATTEMPT TO RECTIFY THIS CHALLENGE
Product: Mortgage

I have sent in my XXXX payment for the amount of {$13000.00}, after which I called and verified that they had received the payment as I use two payment processors- one is called XXXX which transfer the money automatically into their account and the second one uses check to send which is called XXXX. I received my payment for the month of XXXX back on XXXX XXXX XXXX with an explanation that SLS does not accept credit card checks as payment. 
I called XXXX and verified that their check are not credit card checks because I pay them with a 3 % fee and they pay your any bill with their own account that is not linked to any credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX XXXX Date opened : XX/XX/2019 Balance : {$180.00} ; XXXX XXXX XXXX Opened :XX/XX/2019 Balance : {$93.00}.
Product: Credit reporting or other personal consumer reports

I am reaching out to your agency in regards to the accounts mentioned below. I am requesting that these accounts not only be brought up to date regarding all the information that entails, I would also like to obtain documents or contract agreements from the original creditors and/or signed documents that bear my signature as proof that these accounts are in association with me. As a consumer, I am aware of my rights to question the accounts and have them properly investigated, updated or removed. Your inaccurate and incomplete reports are affecting me in negative ways and are in VIOLATION of the FCRA.

My only complete accurate and full desired reported address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I do not have any requisite other current addresses and I do not desire any other addresses to be retained or reported, if any delete now or produce proof of your legitimate authoruty to retain much less report without infringing my consumer rights.
Product: Mortgage

I submit the payment for freedom mortgage on the date of XX/XX/2021 with the amount of {$2100.00}. Freedom mortgage was claiming that I did not make the payment but my bank statement was saying otherwise, meaning that the payment went through. They started charging me for missed payments which I already made the payments on time. I talked to one of the freedom mortgage agents and he claimed that he fixed the issue but he did not. Now I am trying to buy a new home and when I talked to this broker agent, she checked my credit to see if I was eligible but my credit records showed that freedom mortgage has ruined my credit meaning that the freedom mortgage agent did not fix this issue. I recently called them for them to fix this issue because my credit is being ruined and the agent told me that I wasnt the only one having this problem. He said that theres nothing he can do to fix this issue.
Product: Checking or savings account

I have multiple transactions that were not approved by me or made by me from a company called XXXX close to the sum of {$5000.00} I have made disputes since XXXX of XXXX and I just had another transaction that occurred on XX/XX/XXXX for {$850.00}. The bank has stated that someone has my information and they are trying to say I made the transaction and had me write a letter stating that it was not me and I did that. Now they are telling me that only one of the transactions was found not to be me when all of these transactions are not. And to top it off I was charged overdraft fees.
Product: Prepaid card

I am filing this complaint regarding an American Express ( Amex ) gift card valued at {$200.00}, which was provided to me by my employer as a reward. Despite multiple attempts to use the card at various merchants, the transactions are consistently declined. 

I have verified that the card was activated properly and attempted to use it at several different locations to no avail. Additionally, I contacted the American Express call center multiple times to resolve the issue, but I have not received any assistance or a resolution. 

This situation has been frustrating and has caused inconvenience, as this reward was meant to be a usable benefit, but the funds remain inaccessible.
Product: Credit reporting or other personal consumer reports

Unauthorized credit inquiry on credit report due to fraud. XX/XX/year> a hard inquiry was initiated on my credit profile without my knowledge or consent. This constitutes as a violation of the FCRA. Please have inquiry deleted and/or removed from consumer credit profile immediately.
Product: Credit reporting

i have been contacting Transunion for over a month trying to get inaccurate information deleted from my files. I checked my credit on XXXX XXXX, 2016 on the XXXX site and had a total of XXXX hard inquires removed from my report. I checked back on the XXXX site on XXXX XXXX, 2016 and all XXXX hard inquires were placed back onto my account without anyone notifying me about the reinsertion letter as required by fcra section 611. I 've made numerous calls ever sinced this matter occurred. And could n't get help from anyone. I requested several times to be transfered to the fraud department or an US reprensentative. Keep getting the run around. Many of them had nasty attitudes. Many said they knew of the situation, but oh well. Take it as a loss. Said to file a complaint because they were n't going to help me, and hung up. This happened several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company in question, ( America First Credit Union ), has yet as of, XX/XX/2023, to change status of a paid off auto loan from account charged off to paid in full. The account was paid off, directly inside the companies own branch, on the date of XX/XX/2023 at XXXX. I tried multiple attempts disputing this account on multiple credit reporting agencies and they have failed to investigate said debt even with receipt evidence showing this debt has been paid AND title being in hand. AFCU has been failing for nearly a month to correctly report this account as paid in full to credit reporting bureaus and even with receipt/title in hand is unwilling to update information regarding said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I look at my credit report and saw these collection and charge off accounts on my credit report that are not mine. if these accounts are open or closed I want them off my report immediately. The accounts are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, And all the Inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/2021 {$620.00} Open balance XXXX XXXX  XXXX BANK XXXX A Original creditor
Product: Credit reporting or other personal consumer reports

I want the inquiries removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the people that work at Equifax to remove all of these negative entries off of my credit report on multiple occasions throughout 3 to 4 years. I have sent multiple letters to them asking them to validate the debts. In order for a debt to even be legitimate and added to a credit report they need to have the original Contract that both parties signed which will prove that the debt is legitimately mine. They have not done this at all. 

The people at the company refuses to send me anything I have asked for. They just continuously send me the same thing over and over again. They are fraudulently keeping this entries on my report and I have no idea why. I have told them that there is NO contract that exists for any of these. They know there is no contract that exists but they still repeat the same process with me in a cycle and they are making me waste money and resources re-sending them documentation and letters to have them validate something they know they can't validate instead of just removing the entries. 

Again I know there are no contracts that exist and they know there's no contract or else they would have provided one. So I wish they would stop making me go in circles and just remove the entries.
Product: Credit card or prepaid card

I tried to use my unemployment eppicard and it got declined!! I right away checked online like I usually do to see what was going on. It did not let me log in and it kept saying suspend/fraud activity. Called costumer service about 20 times and actually stayed 5hrs in hold for someone to never answer!!
Product: Payday loan, title loan, personal loan, or advance loan

I had been an Empower customer for several years. I used them for small, short payday " Floats '' of up to {$220.00} every couple of weeks. Several months ago, EMPOWER notified me that they could no longer serve residents of Maryland after I had applied for XXXX of the loans. Subsequently, they took {$8.00} per month from my checking account ( XXXX ). Even though they knew beforehand that they would not give me a loan. Today, in fact, they took another {$8.00} from my checking account. Subsequently, but not yet knowledgeable about the {$8.00} fee charged to my account, I applied for a {$150.00} loan. They again turned it down due to my Maryland residency. I took {$8.00} from my account the same day. They make it very hard to find out how to cancel the account on the app. I eventually had to email help support and get the account closed. At least I hope, so I am not subject to further fees. I'll say this has been going on for XXXX plus months. As far as I'm concerned, I am out {$48.00} for fees that did me no good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at a auto dealer on behalf of my brother as a cosigner. I ask the Salesperson to do not inquire my credit by more than one financial service ( creditor ). He agreed but I have three inquires on my credit report - XX/XX/XXXX. In XX/XX/XXXX I called the salesman ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon recently checking my credit report I noticed multiple accounts reporting on my profile that I did not authorize or verify. Section 609 of the FCRA says that before derogatory accounts are placed on your credit a signed letter of verification must be on file. I demand to see said letter of by law these accounts must be removed from my credit within 30 days of the date of this letter. These fraudulent accounts are negatively impacting my credit and my livelihood and I need your immediate assistance with resolving the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the unable to provide certification and official documents to validate accuracy to the XXXX Bankruptcy XXXX XXXX # XXXX shows on my XXXX XXXX from XXXX and Experian credit reports. They stated that XXXX is the furnisher of this date but XXXX states that they don't guarantee the information is 100 % accurate on there file. Multiple individuals, under my name shows on records, and XXXX XXXX or XXXX are reporting unverifiable and inaccurate information. 
In addition, they are furnishing inaccurate information without written permission, violating my rights.
Product: Credit card or prepaid card

I previously had a Discover Card credit card in or around XXXX. During this time, Discover Card offered a free credit monitoring and identity theft monitoring products, which they forcefully marketed to Discover Card holders. I do not recall signing up for these monitoring tools. Then, my credit card account was charged off by Discover Card, and the debt was then sent to an outside collection agency. I paid off the debt in full, directly through the outside collection agency, in or around XXXX.Since the account was charged off in-house by Discover Card, I continue to receive excessive and unrequested e-mails from their credit and identity theft monitoring products, which I have not been able to access or use since my account was charged off ; I have absolutely no use or access to these tools because I am no longer a Discover Card credit card holder. Despite that, Discover Card continues to send me these e-mails that alert me to any new changes to my credit file or any potential identity theft, such as finding my Social Security Number on the Dark Web. There is no link in the e-mail to unsubscribe from these e-mails, and because I am not a Discover Card account holder, I have no possible way to log into my account to edit my e-mail preferences to discontinue these e-mails from Discover Card on their products that only applied to me when I was a customer with them. The e-mails are non-stop and abusive. I am also concerned that Discover Card is knowingly and willingly misusing my personal information through their credit and identity theft monitoring products. There is no reason, whatsoever, that I should continue to receive these e-mails when I have not been a customer in several years, and furthermore, there is no way to unsubscribe for their excessive and abusive marketing e-mails concerning a product I do not have any access to. These e-mails are being sent to both XXXX and XXXX.
Product: Credit card

I hope this email finds you well. I am writing to bring your attention to a critical issue regarding a pending chargeback related to a transaction on my account purchased using the Chime debit card. 

The transaction involves a merchant that, unfortunately, engaged in misrepresentation of goods, committed merchant fraud, and mishandled the return process. The gravity of this situation extends beyond a mere financial dispute, as it has severe implications on both consumers and the integrity of your banking service. 

Chime has not looked into the documents, which include the merchant saying I did return the item and services were not rendered. I was within the 14 day period and I was not refunded any amount back on my Chime card and I have reached out and waited since XX/XX/XXXX. I ask Chime to investigate and follow up on errors that that the app has when submitting documents and the lack of customer service and effort in helping me get my money back is beyond disappointing.
Product: Debt collection

XX/XX/2018, I received at XXXX XXXX cst I received a phone call from XXXX XXXX at XXXX. I was at work so when answering the call it took me some time to get up from my desk before I spoke. The initial things stated among answering the phone was Hi, My name is XXXX XXXX with XXXX XXXX trying to contact XXXX XXXX. Initially when hearing that I went into alarm. I kept asking who is this with what company and he stated that he would need to verify some information first. I stated no I would need to know with whom am I speaking. XXXX then stated he was with XXXX XXXX XXXX for Ace Cash Express. I then stated hey XXXX you know you can not represent your self when contacting someone and discontinued call. I refuse to disclose information to any one falsely identifying themselves to me. Later that same hour I attempted to call back in hopes that I can at least obtain a company name. Nope! Not to my surprise it went directly to a busy signal the first time. Second attempt went to a voicemail where XXXX just stated XXXX XXXX. And then a third time he answered I disconnected.
Product: Credit card

On XX/XX/year>, I bought a fully refundable airline ticket from XXXX XXXX for {$900.00} using my American Express card. When I attempted to cancel, their website would not process the cancellation, so I tried emailing and calling them but received no resolution. Since XXXX XXXX refused to refund me, I disputed the charge with Amex and provided my email confirmation as proof that my ticket was fully refundable. Amex initially denied my dispute using an incorrect policy about seat selection refunds, then changed their reasoning multiple times. They now claim XXXX XXXX provided a document justifying their denial but refuse to share it before making a final decision. I also requested access to my chat transcripts with Amex, but they refuse unless I obtain a legal subpoena. This lack of transparency and failure to consider clear evidence is unacceptable. I am requesting Amex process my refund or, at minimum, provide the exact fare rules tied to my specific ticket before making a decision.