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 the following account # XXXX. 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, charge off status ), between the consumer ( me ) 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 ( XXXX, XXXX, TransUnion ) if 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 charg-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, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX is clearly writing off debt 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. In XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX XXXX nor are they " bureaus ''. 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 non verbal 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. XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Hard Inquiry Removal Request There are a couple of inquiries made by XXXX XXXX  that should be counted once, T

her efore one of the two of the same inquiries should be removed from my credit report. The Law clearly states that : *_Multiple inquiries of the same type and made within a short period of time may only be counted once. ( Please see above ) If Companies can place ONLINE anything they want in Peoples Credit File without verification, subsequently and fairly the owner of such Credit File should be able to do the same and use ONLINE services to dispute these Companies ' claims. _ Equifax DENIED me the right to dispute a Hard inqu iry by XXXX XXXX from Online services ( Please see above )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file at the time the lease was executed, most likely done online like all the other accounts. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/XXXX I have attached to this dispute the police report and two letters from major financial institutions that opened and tried to open credit accounts in my name and mailed credit cards to the address of this apartment complex that this debt collector is collecting for. As you will read in the letters the banks did their own investigations and both banks agreed that identity theft took place. XXXX XXXX XXXX opened a credit card account in my name and sent the card to this apartment that the collector is collecting for. They have since removed the card from my credit profile and deleted it from their records after finding I was a victim of identity theft. The letter XXXX  XXXX XXXX sent was printed with the fraudulent address on the main page and the correct address on a page. Both pages of the XXXX letter are attached.
Product: Credit reporting

I submitted the request for all XXXX reports at annualcreditreport.com, but when I clicked to get the first report, Equifax said there was a system error. When you click on the return button, it takes you to Equifax.com, where they offer to see you your report, but there was no way to return to annualcreditreport.com, to be able to get the other XXXX reports. I eventually tried to go back, but the system would n't bring me back to a place to request the other XXXX reports. I now have to use another method to get access to my XXXX reports, instead of the online, faster at. Very disappointing, and it seems like they want to make you purchase your reports, instead of allowing you rightful access to the free reports.
Product: Debt collection

Had an account opened in 2008 with US Bank. Overdraft that same year. Now these people keep calling different " law firms " saying the bank is suing. When I called the bank they had no idea of what I was talking about. One number these people keep calling from is XXXX. I don't have the other number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX XXXXXXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX have violated my rights. 

1

5 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I sent a dispute to experian regarding some collection accounts that i had questions about. I dont believe such accounts belong to me and they have yet to respond to my request.
Product: Money transfer, virtual currency, or money service

This was my business account. I sent out money to the wrong person so many times. Zelle will never help me get my money back or they never stop the pending on the account. This been for family, bill, so much other things. Even BANK OF AMERICA. So I stop having my roommate, family and customers to stop sending money. After I stop I started to go to the ATM. And then I would have problems with the atm. Taking my money. Money wont go into my account. Or if I take money out it would get stolen. Show now they close my account. Just been stressing. Cuz they took my last money at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian regarding an account reported by them as late payment in XX/XX/XXXX for 60 days to be corrected. Experian never communicated back to me regarding the account. I contacted XXXX College been that on record per Experian, they report the late payment. XXXX  College advised that they are not responsible for reporting to the credit bureaus, all payments and reports are handle by XXXX  on behalf of all the schools. The said account is a student loan reported under my social security number reported by XXXX College according to the information on file with Experian. XXXX  College is the college I graduated from. While in college I took a federal student loan and upon graduation the loan is and has been managed by XXXX  on behalf of XXXX XXXX XXXX XXXX XXXX under account number XXXX, which is also on file with Experian and the status is current. There should not be two different reporting for one single account. The loan amount is {$3600.00} under account number XXXX, and I made a payment of {$40.00} on XX/XX/XXXX. I contacted XXXX they advised that my account is current and no negative reporting has been made. They clearly stated that XXXX college does not report or handle this account, and there should be only one single account reported to the bureaus not two different reporting and that report should come them not the college.
Product: Checking or savings account

On XX/XX/XXXX I noticed a handful of unauthorized transactions made to my account, I immediately notified my financial institution, Credit Karma money by XXXX XXXX, and inform them of the transactions and how I had never received my card in the mail and deduced my card had been lost and or stolen. After this phone call I subsequently received email confirmation of me submitting these disputes and was informed that this matter had been escalated to a specialized team. On XX/XX/XXXX I received a response from the specialized team requesting documentation of my attempt to resolve this matter with the merchant who made the charges. I immediately provided them with the requested documentation and received a response confirming that they had received the documentation. All of this correspondence took place on XX/XX/XXXX. On XX/XX/XXXX having not gotten any update on the matter, I an email inquiring about a provisional credit seeing as it was the XXXX day since I informed them of the fraudulent transactions and had received no update of a conclusion to their investigation. On XX/XX/XXXX I received the following response. " XXXX XXXX, I am with credit karma dispute escalations. We were able to submit your dispute to the proper channels in order to be further investigated. Dispute number is XXXX. Unfortunately, due to it being a third party transaction ( s ), we are not in a position to dispute this transaction ( s ) due to the following reasons : The transaction ( s ) was not initiated by Credit Karma or XXXX Bank - This normally happens in situations where a P2P ( person to person ) transaction ( s ) is done via another service such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX etc. Unfortunately, we have no further recourse. ". 

This response from them does not seem to fall in line with my consumer protections guaranteed by law, and greatly concerns me regarding my ability to reclaim my funds.
Product: Prepaid card

I have tried to use the card according how it is outlined on their website by having the card run as credit ( or debit ) only. Nothing works. 

I called customer service at XXXX on XX/XX/year> and the agent said it is because all the merchants are not returning the information they ( Amex XXXX wants, so it will continue to decline. Keeping this in mind, then why would the merchant try yet again for {$320.00} charge and Amex finally does two {$.00} transactions as pending, totaling {$.00}. If the merchant isn't giving you what you want, then why would suddenly after several attempts would {$.00} go pending? 

It is not the merchant, it is Amex who is holding the money XXXX. 

They said I could try in person, but couldn't guarantee this would work either. 

I have tried using with XXXX, XXXX XXXX XXXX, and USD Reservations. The card is falsely advertised as it will work anywhere, and it indeed, does not. 

Why does XXXX and XXXX process just fine? Why are there thousands of users online who also can't use Amex gift cards, but can use XXXX and XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, this is the second time that I had to write to the cfpb in regards to this matter that I am facing with XXXX XXXX. During the hurricane XXXX XXXX put me on a program to help individuals with difficulty not to have late fees on their account, and they sent me a letter putting all three accounts on the program and I accept and again there is no where in the letter that mentioned if you are late that they will report it to the bureaus and if they had clarified that I would of asked for help to pay on time but since they say that I will not have any issues so I accept to be in the program. 
I called XXXX XXXX this week XXXX XXXX and spoke with a young lady that I explained to her that I am doing a va loan and it is imperative that I dont have any late payments shown in my report even though that I paid both accounts full and after those XXXX months of XX/XX/XXXX and XX/XX/XXXX my account never late or before XX/XX/XXXX never late, so please see what you can do for me please XXXX to remove those XXXX closed accounts from my file. She responded that she will call me back within an hour to investigate the account completely. Now, she did call me back and states that sir, I do show that you were on a program for the hurricane that happened in Florida in XXXX and that we can not remove the late remarks or remove the account because they have to report it so I answer her, XXXX, then why was I put in a program to get help from XXXX XXXX during these difficult times. So basically, capital XXXX is reporting to the public that they are helping people and yet that is not true at all, because if you read what I wrote at the beginning of my letter it clearly states that they have a program to help military individuals which I am a XXXX percent total and permanent XXXX veteran. I made sure I paid in full both accounts without ever missed a payment and XXXX  XXXX dont have the decency to remove an account that I paid in full from my credit that is already closed. That is sad and ashamed especially when I am trying to put a roof over my families head, put yourself in my shoes president of the bank, workers of XXXX XXXX, ceo of XXXX XXXX put yourself in my shoes, especially when you didnt do, anything wrong. I WAS PUT IN A PROGRAM AND I NO MATTER WHAT I WAS ABLE TO REMOVE MYSELF FROM IT AND PAID IT IN FULL WITHOUT ANY LATE PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax in reviewing my credit report on the website. There is another social security number ending in XXXX attached to my credit report. The social and accounts do not belong to me. I made numerous attempts to resolve this matter via Equifax automated service, however I had no success by phone. I have proof of my real social, and real ID. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consume, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete
Product: Credit reporting or other personal consumer reports

I have three unauthorized credit pulls spanning from XX/XX/year> ( XXXX XXXXXXXX ), XX/XX/year> ( XXXX XXXX  ), XX/XX/year> ( XXXX XXXX ).
Product: Checking or savings account

I deposited two checks into bank account number XXXX Routing # XXXX date was XX/XX/24 One check in the amount of XXXX ck # XXXX And XXXX ck # XXXX and chase bank froze the funds due suspicious fraud because they werent able to verify the checks with the check maker. I tried giving chase the phone number to verify the checks which they had already on file and were unable to get through but when I call the number while one the phone with them The call goes through. They refuse to release the funds or return funds to check maker. The check maker is willing to reissue check but chase wont release funds back to them. I am now out of XXXX dollars which is frustrating and chase wont resolve my issue after multiple calls and in person attempts. I dont know where else to go from here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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
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 1681. 

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. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under the 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am a transfer client with Shellpoint they received my mortgage from XXXX XXXX XXXX which is the worst mortgage aka bank I have ever had to deal with. 
I did a forebearance with XXXX XXXX XXXX XXXX XXXX. I contacted shell point and they sent me paperwork of forebearance and they sent it to me. I have lien on my property for the forebearance amount which include a fee with HUD who filled out paperwork and got the forebearance to be completed. 
I asked shell point for a payoff sheet so that I can have my mortgage paid and transferred to my personal bank they sent me document with the forebearance fee added to my balance of my mortgage sent over to them from XXXX XXXX XXXX. 
This is definitely incorrect because the lien on my property has the forebearance amount included and I am not paying shell point the fees amount they are requesting which is the forebearance amount including in the lien on my property. 
So I need them to correct payoff documentation I requested to reflect the XXXX XXXX I owe.
Product: Checking or savings account

TD bank sent me an email offer that advertised a XXXX XXXX on their signature savings account. I stupidly jumped on it. I changed my convenience savings account into a signature savings account. But after the transfer has been made they are saying that I get .05 % intrest and I will be charged {$15.00} fee monthly. I asked to put my account back to a convenience savings account. back to before. But they can not do that because those savings account no longer exists. It is a bait and switch. and what is the point of paying a monthly fee for XXXX intrest. I do not make alot of money. infact It has been a tough few years. Getting robbed by my bank is so incredibly frustrating it is hard to put in words. And why these actions by banks, airlines, landlords the list goes on, is allowed. I want my bank account back to what it was or I want a XXXX APY with no fees. on my money. My parents claim they got 10 % intrest on their savings account in the XXXX. I keep voting for a better world and easier one to have a family. I don't see it.
Product: Debt collection

I received a call from my son today ( XX/XX/18 ), who lives in a different state and has no ties to my finances, asking why he was receiving a phone call about an {$800.00} debt I owed! XXXX XXXX XXXX uses a taped calling program that states " if you aren't _______ then please hang up. '' But most people are curious and will go on and listen anyway. This call released information that they were trying to collect a debt of {$800.00} and then proceeded to give information on how to pay it. 
This is NOT the way debt collectors should be allowed to communicate with those who owe a debt. This is wrong in every sense. I understand I owe the debt, but I do not have a job and was in a horrific accident months ago that has rendered me unemployable at the time. I do not expect ANYONE to contact people with information that can be damaging to them. This is just wrong that this company, or any company can release information about others under the notion they are doing it legally. This is embarrassing, harmful and can have devastating effects for consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to XXXX  to dispute an inaccurate entry on my credit report in regards to two XXXX XXXX credit  card accounts. My credit report showed that I was late on my XXXX XXXX credit card accounts on the following dates : Account # : XXXX ... .. ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX Account # : XXXX .... ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX. I spoke with a XXXX XXXX representative in XXXX of XXXX. She verified that I was never late on both of my accounts and that it was a mistake. She also stated that XXXX XXXX will report both accounts as current and never late. I also received a letter from XXXX XXXX stating that XXXX XXXX finished their investigation and their research found that all payments are current and never late. They also stated that they will update my account with all three credit reporting agencies. However in reviewing all of my credits reports from all three credit reporting agencies, XXXX, Equifax, and XXXX, both my XXXX XXXX accounts still showed me as being late on the dates listed above.