23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/17 I went to the TransUnion website to initiate a credit security freeze and followed their links to do so. It instructed me to make an account. It had me enter my credit card number WITHOUT indicating it would make any charge ( I assume this amount and authorizing a transaction would come later ). Unbeknownst to me, they charged {$19.00} ( monthly! ) fee and apparently I was signing up for their for-fee credit monitoring service which in no way was indicated on their webpage where I signed up. It never said it would make a {$19.00} charge. I clicked on " credit lock '', but then realized it was not the " security freeze '' I was looking for. Then I was able spend some time navigating around the website at that point to make a credit freeze and noticed something amiss when I was n't charged a {$10.00} fee at that time ( normal fee for the credit freeze ). No where did it say they were waiving the fee because I was signed-up for their paid credit monitoring service. Then, I checked my email to see if it was just a website error and I was charged the standard {$10.00} fee. That 's when I saw an email notifying me of the {$19.00} charge which was a complete surprise. I was unable to get through their customer service phone line due to " higher than normal '' call volumes to lodge a complaint. I felt deliberately misled by their website.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I noticed new inqurires has been added to my credit report that I have no knowledge of.
Product: Debt collection

In XX/XX/2023, I was contacted by a collector from a company called Frontline Asset Strategies who identified himself as " XXXX XXXX '' Collections Supervisor, who alleged I owed XXXX the amount of {$530.00}. I have no account with XXXX and I attempted to explain this to XXXX XXXX. He then demanded that I pay the full amount, which I disagree. 

On XX/XX/2023, I sent a letter requesting information and validation of the amount Frontline Asset Strategies is attempting to collect on. A copy of my letter and proof of USPS delivery information is attached. As of this date, I have yet to receive anything from this collection agency. 

On XX/XX/2023, I sent a follow up letter to Frontline Asset Strategies because I had not heard or received any of the requested information in my previous letter. My second letter for validation of the debt was received by the collection agency on XX/XX/2023, proof of USPS delivery information is attached. 

This collection agency made the decision to include this debt on my XXXX XXXX, XXXX and XXXX credit reports, without proof that I owe this debt to XXXX. This is very distressing and because of their inability to follow the Fair Debt Collection Practices Act, it has impaired my credit rating. 

I am seeking the assistance of the CFPB to get this collection agency to follow the law. 

Sincerely yours, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has been my Cellular Carrier for about 20 years. I 've always made every payment on time. I had their sister Company, XXXX XXXX, for awhile and due to problems, had to have it disconnected. During the time I had XXXX, it was combined-billing with my XXXX XXXX XXXX Cellphone Service. Sometime after cancelling XXXX, I began receiving notices from various Collection Agencies that I still owed XXXX XXXX XXXX for their Services. I contacted both XXXX XXXX XXXX and XXXX XXXX Customer Service, and they XXXX told me they showed no outstanding Debt on my Accounts. XXXX XXXX XXXX continues to harass me via XXXX Collection Agency after another, yet can not provide any proof of exactly when, where, and what the outstanding debt they claim I owe is for. The latest harassment is from a company called ERC, address is a XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I believe it is illegal to operate a XXXX XXXX XXXX out of a XXXX XXXX XXXX, a violation of Federal Law. XXXX claims that my debt owed is {$84.00}, for XXXX XXXX XXXX Account XXXX XXXX, which is not my current account number, although I have had uninturrupted Cellphone service from XXXX XXXX XXXX for approximately 20 years now. ERC Collections Reference Number being XXXX on their latest letter to me.. I have had about XXXX Collection Agencies over the years, hounding me for this money, and every time I contact them and explain that XXXX XXXX XXXX has verified with me by phone calls to their Collections that I owe no money, the Collection just gets sent to another different Collection Agency who begins the harrassing letter process over again. I have responded to these Agencies in writing several times, refusing to pay anything, based upon my conversations with XXXX XXXX XXXX and XXXX XXXX both stating that I owe nothing. This continuing harassment for no proven valid reason has damaged my Credit Rating, and at this time I request followup investigation, and notification to XXXX XXXX XXXX and all Collection Agencies past, present and future involved, that this is a Complaint for unjust harassment without substantive proof, and that they are to immediately sease and decist, and that I am entitled to any and all reparations under the Law for their conduct towards me, and for the continued non-stop harassment that I have encountered over the years, due to these Companies falsely accusing me of oweing money without any substantive proof of such, and despite my repeated phone calls and letters to these Companies, who have XXXX agreed verbally that I owe them no debt, but have failed to remove me from Collection Agencies rolls,, promptly and properly, per all Laws XXXX State and Federal. Further, I request that all resulting correspondence of any nature be addressed to me in writing and sent to me, and that it contain a name, department, and phone number of any employee seeking any information relative to, and or pertaining to, any aspect of this entire matter. I also request a receipt of confirmation in writing, for this complaint I am hereby filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX XXXX CRA VIOLATION NOT MINE SENT XXXX XXXX INACCURATE INFOMATION HIPPA VIOLATION
Product: Credit reporting or other personal consumer reports

Experian Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following account is not mine Former : XXXX XXXXXXXX XXXX 2. The following account is not mine Former : XXXX XXXX XXXX 3. The following account is not mine Also Known As : XXXX XXXXXXXX XXXX 4. The following account is not mine Also Known As : XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 5. The following account is not mine Former : XXXX XXXX 6. The following account is not mine Former : XXXX XXXX 7. The following account is not mine Former : XXXX XXXX 8. The following account is not mine Also Known As : XXXX XXXX 9. The following personal information is incorrect Also Known As : XXXX XXXX 10. The following account is not mine Also Known As : XXXX XXXX 11. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX 12. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX 13. The following account is not mine Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX FL XXXX XXXX XXXX Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following account is not mine Former : XXXX, XXXX XXXX 2. The following account is not mine Also Known As : XXXX, XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, I initiated a series of disputes on or about XX/XX/year> regarding inaccuracies on my credit report specifically regarding XXXX charge-off accounts ( ( XXXX ) XXXX  XXXX, ( XXXX ) Discover and ( XXXX ) Portfolio Recovery accounts ) in accordance with 1681 ( e ) ( b ) of the FCRA which states : 1681e ( b ), credit reporting agencies are required " to follow reasonable procedures to assure maximum possible accuracy.... '' I specifically stated in my dispute comments of each account : Account charged off ; did not receive IRS form XXXX from creditor who received a tax write off therefore this account is now considered taxable income being inaccurately reported as debt. Please remove. Not only are the charged-off accounts on my credit report, I havent received the proper tax form XXXX from any of the creditors as required and the creditors improperly reported over several months as charge-offs when it only occurs once. So my issues remains unresolved and the errors are still present even though the credit bureau should have done their due diligence in accordance with the FCRA.
Product: Debt collection

EXUIFAX BY WAY OF XXXX XXXX XXXX IS REPORTING A COLLECTION OF XXXX XXXX  {$290.00}, XX/XX/2023. THIS IS FALSE CREDIT REPORTING AND NEEDS TO BE DELETED FROM MY EQUIFAX CREDIT FILE BECAUSE IT IS SLANDERIOUS TO MY CHARACTOR AND REPUTATION.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting 3 collections on my credit report. These accounts were opened fraudulently. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I request that these accounts be removed and blocked within 4 business days of receiving this complaint.
Product: Checking or savings account

On XX/XX/XXXX, Compass Bank withdrew {$1400.00} from my savings account with no notice. When I contacted the bank the next day, I was informed that they were withdrawing the funds and returning them to the IRS because an IRS refund for my father, XXXX XXXX, was deposited into my account. The representative with the Fraud department at Compass Bank explained that because the name of the individual for whom the refund was for and the name on my bank account did not match. The representative also explained that someone from Compass should have reached out to me and provided me the opportunity to prove the refund did in fact belong to a family member. I was never provided this opportunity. The individual I spoke to on XX/XX/XXXX confirmed that no such attempt was made. When I asked if I could still provide the necessary documentation at a local bank and have my father verify he had in fact asked me to process the refund into my account, I was told the funds had already been returned to the IRS. The representative stated she had left a message for the investigator assigned to my account to contact me. No one ever contacted me. 

My father has reached out to the IRS on multiple occasions in an attempt to locate his refund. On XX/XX/XXXXa representative at the IRS stated that the IRS had not received the funds from Compass Bank and that they would perform a trace to try to locate the funds. 

On XX/XX/XXXX, I contacted Compass Bank again and spoke to XXXX in the Fraud Department. When I told her the IRS had stated they had not received the funds, XXXX explained that Compass had not returned the funds as they previously stated, but instead had been holding on to them until they could return all funds collected from all customer 's bank accounts at one time. Today, XX/XX/XXXX, XXXX initially stated the funds had not yet been returned to the IRS. She then amended her statement, explaining the funds have already been returned. At this point, I do not have any means to confirm the funds were returned to the IRS. 

Both my father and I have spent an great deal of amount of time trying to track down his refund. If Compass would have reached out to me as they should have, I could have resolved this issue the same day. But, no one ever reached out to me. I have been lied to and my account has been grossly mishandled. I completely understand that Compass must comply with the IRS request, but they never afforded me the opportunity to resolve the situation as they should have. The IRS agent my father spoke to on XX/XX/XXXX stated that if we would have been able to clearly identify the refund and prove ownership and that it was not fraud, Compass Bank would not have needed to return the funds. They could have been released to me and/or my father.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and the Privacy Act of 1974. These violations pertain to the unauthorized disclosure of my nonpublic personal information to non-affiliated third parties without proper notice or consent, a clear breach of privacy regulations outlined in the aforementioned laws. Congressional Findings and Compliance Obligations : 15 U.S. Code 1681 emphasizes the critical importance of fair and accurate credit reporting for the efficiency of the banking system. It mandates fair evaluation of consumer information by reporting agencies and stresses the significance of consumer privacy protection. Consumer reporting agencies are legally obligated under 15 U.S. Code 1681e to implement procedures ensuring the highest accuracy of consumer reports. XXXX XXXX XXXX disclosure of inaccurate information violates these obligations and breaches statutory provisions. Details of Violations : 1. **Disclosure of Nonpublic Personal Information : ** XXXX XXXX XXXX without obtaining requisite consent or providing proper notice, disclosed my personal information to non-affiliated third parties namely EXPERIAN and XXXX This action directly violates the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the FCRA ( 15 U.S. Code 6802 ). 2. **Failure to Provide Opt-Out Opportunity : ** I was not offered the opportunity to opt out of the disclosure of my nonpublic personal information, as mandated by the FCRA 15 U.S. Code 6802 ( b ), exacerbating the violation. 3. **Continued Right to Opt Out : ** As per 16 CFR 313.7 ( f ), I reserve the right to opt out at any time, a privilege denied to me by XXXX XXXX XXXX actions. 4. **Exclusion of Transaction and Experience Information : ** XXXX XXXX XXXX included transaction history within reported information, violating the exclusionary provision of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The unauthorized disclosure of my personal information by XXXX XXXX XXXX has caused significant financial and emotional distress, disrupting my life. Enclosed are supporting documents detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and await your prompt action.
Product: Checking or savings account

Why someone else is linked to my account and why my debit card is being linked to other software or tracked? We have also noticed multiple transactions are hitting our account twice for the same amount. Before Simmons bought out XXXX XXXX Bank ( I was a customer ) I never had NSF charges and with Simmons I have more NSF charges yet nobody can explain why, they just credit my account when I call regarding this issue. Credits are to post before debits so with that being said, if I make a payment on a Thursday night to maybe a credit card company and my direct deposit is to hit at midnight ( Friday ) and the credit card payment is posting at midnight then why am I being charged? Clearly I am looking to switch accounts however this is wrong and I have been a customer for well over 15 years! There should not be any software, other XXXX accounts linked to my personal checking account.
Product: Checking or savings account

Discover Bank, on XXXX closed my checking account. This was during a call I made to them inquiring why the deposit for a cashier 's cheque of XXXX that XXXX  XXXX XXXX gave to me was rejected. 
BoA then gave me XXXX cashier 's checks of XXXX and XXXX for the funds I had in my account with them. I deposited the first check of XXXX in my Discover bank on XXXX and rejected the second check of XXXX and stated it was altered on XXXX. 

Discover Bank told me they have decided to close my account for " business reasons '' and will be sending me a check for my balance after 60days even though they refuse to give me the reasons for this business decision. 

I believe their decision was unfair to me because I have not been inform what I did wrong, I was also not notified, alerted, warned or queried of any inappropriate action on my part nor given any opportunity to respond or otherwise before and after the decision was taken I am just migrating to the United States from XXXX and do not have any other source of income apart from my savings which Discover bank have hijacked. I need these funds to pay for my bills, rent and food.
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 confidentialit

y under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was alerted today by my credit monitoring service, XXXX that Ocwen reported my XXXX 2015 payment as XXXX days past due. The payment was made on XXXX/XXXX/2015 within my XXXX day grace period therefore it was not late. The payment was made via Ocwen 's automated phone service. The payment confirmation number is XXXX, amount {$8900.00}. I called Ocwen this morning and spoke with a XXXX, agent ID number XXXX. I explained my situation and she confirmed that the payment was made on time and she did n't know why Ocwen reported it XXXX days delinquent. I told her I wanted it correct immediately. She replied that it would take XXXX days to get the issue sent to their research department. I told her this was not sufficient as I am in the process of applying for a loan. I asked for a case person who I can follow up with as well as a case number and she said there was n't either. As you know, Ocwen has been the subject of over XXXX of regulatory fines and nearly lost their mortgage license in my state of California for these as well as other illegal practices. This erroneous report made my FICO score decline by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I greatly appreciate the Credit Bureaus ' efforts to remove some of the information from my Credit File that resulted due to Identity Theft and I am grateful for what they have done. however I see here that there are still remaining items in which I believe were also opened due to Identity Theft. According to the Fair Credit Reporting Act section 605b, the Credit reporting agencies are required to remove any accounts and information that resulted due to identity theft. The following items must also be removed as they too are the result of the Theft of my Identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$240.00} Medical XXXX Balance Owed : {$220.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX. I am, once again, appealing to the Credit Bureaus to take another look at my Credit File and investigate whether the reported items are factual and remove these items if unable to prove.
Product: Credit card or prepaid card

On XX/XX/22 I called Indigo credit card company. I am struggling to pay down and pay off a credit card. My husband is unemployed and had XXXX XXXXXXXX recently so has had to be off for some time. I am the only income coming in to pay our rent, water, electric and food. Not including the car payments and other bills, this is the only credit card I have. I have expressed this to them for the last XXXX months that we have been struggling. 

Each time I get paid I have only {$50.00} I can pay towards the balance and since its over the limit ( due to fees ) they charge {$40.00} ( used to be {$27.00} ) fee and interest on top. So my payment is meaningless and I am back in the same boat the next month. 

I have asked them if there is anyway to pause a couple months to get me caught up or anything they can offer for assistance and they have nothing. They offer to waive one fee after I pay the balance down. 

At this point it is ruining my credit and my chance of getting it better.
Product: Credit reporting, credit repair services, or other personal consumer reports

simply they are difficult to get anything done, I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding XXXX XXXX min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.
Product: Debt collection

In XX/XX/XXXX during the financial crisis we left XXXX XXXX owing a balance to Citi Bank. We received notice and agreed to repay the amount of {$1100.00} in monthly installments. The last payment in XX/XX/XXXX of XXXX plus dollars. Last week I received a 1099C of discharged debt which I should file to the IRS. My problem is not with the debt but the bookkeeping First it was on their books as a debt then my payments should have been a collection. Next they carried it as an accounts receivable for 6 years Now they are charging it off as a loss. 
My account is a drop in the bucket. However, if you multiply this by maybe 200,000 customers the bucket is full. The books are cooked. How many people after 6 years and all the financial turmoil caused by these banks can prove out the repayment and if you do get an amended 1040C after a lot of trouble are they going to report the income. They remind me of XXXX XXXX. Charge a lot of people a little and you have millions. Please look into this. A copy is being sent to my senators office.