23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BUREAU INC ACC # XXXX This account was reported to the consumerfinance.gov as a fraud account with a previous XXXX XXXX # XXXX it was removed from my credit report As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX I am requesting those documents as fallow 1-need a copy of your license to collect in my state ; and 2-Provide me with your license numbers and Registered Agent. 
3-investigation report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX
Product: Debt collection

I am writing the CFPB to inform you of the improprieties conducted on behalf of Fortiva. Fortiva has no Proof of Authority, written consent, or court order that gives them permission to report anything about XXXX XXXX XXXX publicly. The FDCPA Fair Debt Collection Practices Act was put in place to protect consumers from such trespasses. XXXX XXXX  is in direct violation of my right to privacy as pursuant to the Bill of Rights. Fortiva is Defaming my name and character to the public and is also in violation of the US Constitution. These discriminatory transactions that are being reported are impacting my ability to attain goods like buying a home for my personal, family, or household needs. My intent is to seek remedy in Federal Court
Product: Checking or savings account

I received a personalized email invitation to sign up for a checking account with Citibank and earn a {$200.00} bonus with qualifying activity ( depositing at least {$3000.00} in a certain timeframe ). I completed all the requirements to earn the bonus, which was supposed to be awarded within 90 days of completion. I opened the account in XXXX 2021 and it is XXXX 2021 and citi has not awarded me the bonus. After chatting with them online and spending an hour speaking with a representative who kept giving me contradictory and senseless information, they have failed to properly credit my account. This is a fraudulent, unfair, deceptive act designed to defraud customers. 

the email i received said : " when you open a Citi Checking Account and deposit {$3000.00} NewtoCitibank Funds within 30 days of account opening and maintain it for 60 days '' I would receive the {$200.00} Invitation code : XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I opened a dispute for a mis-delivered item, XXXX XXXX XXXX XXXX XXXX The merchant blamed the shipper, and the credit card company American Express blamed me for not receiving a product that I ordered. I was charged {$1900.00} for a product that was never delivered. American Express refused to resolve this issue, and charged me for an item that was never delivered. 

Dispute reference no. XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against American Express, expressing significant concerns about potential privacy law violations, particularly the insufficient disclosure of opt-out rights. As a responsible credit cardholder, I expect institutions like American Express to uphold transparency, fairness, and compliance with regulations. Recent observations raise serious concerns, warranting a thorough investigation into American Express 's practices.

My primary concern is the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a crucial aspect of privacy. Section 15 USC 6802 ( b ) ( c ) mandates clear explanations, but American Express may not effectively communicate this information. The absence of opt-out information, a right under 12 CFR 1016.7, is troubling, hindering informed decisions and raising compliance questions. 

Beyond opt-out disclosures, concerns extend to potential Fair Credit Reporting Act ( 15 USC 1681 ) violations. Section 602a emphasizes fairness, impartiality, and respect for consumer privacy, areas where American Express may lack full compliance.

The apparent lack of information on opt-out options may signal broader insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ) prohibits certain adverse information disclosure without proper authorization, necessitating clear privacy disclosures under The Privacy Act of 1974. 

Notably, under 15 USC 6805, the privacy notice reveals involvement with third-party companies, implying potential Privacy Act and terms and conditions violations. 16 CFR Part 313 and 16 CFR 433.2 outline requirements for privacy practice information.

Emphasizing 5 USC 522a in relation to identity theft, protecting personal information is vital, and any false use of identity, as suspected with American Express, contravenes the law.

Additional concerns involve potential FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ) violations, as it prohibits having a consumer report containing solely transactional information. Such violations breach consumer trust and ignore fundamental principles of consumer protection. 

Lastly, 15 U.S. Code 1681s2 ( A ) ( 1 ) A underscores the importance of furnishing accurate information to consumer reporting agencies, a responsibility that must be upheld.

In light of these concerns, I urgently request a thorough Consumer Financial Protection Bureau investigation into American Express 's practices. I implore the Bureau to address opt-out and privacy disclosures, considering relevant laws, and ensure compliance with privacy laws and consumer protection statutes.

I appreciate your attention to this matter and trust the Consumer Financial Protection Bureau will take necessary steps to safeguard consumer rights.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized inquiry on my credit report today, and Im completely frustrated because I dont know how it got there. Refreshing my browser didnt solve the issue, so I urgently need you to carefully review the documents I sent to resolve this problem once and for all.
Product: Mortgage

I overpaid my mortgage ( in my deceased husbands name ) to Mr. Cooper as their quoted payoff amount remitted XX/XX/2021 did not include the previous payment made on XX/XX/2021. On XX/XX/XXXX Mr. Cooper representative XXXX told me I would receive a refund check in the amount of {$1500.00} within 30 days. It never came. On XX/XX/XXXX Mr. Cooper representative XXXX said a check will be sent again, and should be received within one week. It never came. On XX/XX/XXXX Mr. Cooper representative XXXX told me to send a voided check to XXXX to have the funds direct deposited within 48 hours ( sent same day ). The refund never came. On XX/XX/XXXX Mr. Cooper representative XXXX told me the funds should be deposited by XX/XX/XXXX. They never came. On XX/XX/XXXX Mr. Cooper representative XXXX told me I would have to prove that I am the one who was providing payments to them by sending XXXX the last 12 months worth of checks Mr Cooper processed from me ( sent same day ) and I would receive payment within 48 hours. It never came. On XX/XX/XXXX Mr. Cooper representative XXXX said the voided check they received from me was uploaded to the wrong file. She corrected it, but needed her manager ( who was in a meeting and couldnt be reached ) to approve the refund and I will receive the overpayment within 3 business days of manager approval. She was not able to tell me when or if the manager would approve her request. The obvious obfuscation and delay tactics have devolved into the dog ate my homework quality excuses with the intent of depriving me of {$1500.00} that they over billed me for. While Mr. Cooper does admit the refund is due they continually do not issue it. Please help me with this questionable business practice and attempted theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below are fraudulent accounts and doesn't belong to me. 
They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : XXXX XXXX XXXX # XXXX ONLINE INFORMATION SERVICES # XXXX XX/XX/XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

During the process of purchasing my vehicle, I found myself in a high-pressure situation that led me to sign the financing paperwork with Credit Acceptance. As someone with limited credit history, my options were constrained, and I felt that I had little choice but to proceed with the financing terms presented to me. Unfortunately, I was not fully informed about the details of the loan, and I now realize that I was provided with misleading and incomplete information during the signing process. 

Specifically, I later discovered that a rebate charge was added to my loan without my knowledge or explicit consent. At the time of signing, this charge was never clearly explained to me, and I was not made aware of its impact on my overall loan amount. I feel that this was a significant oversight and that I was not given the opportunity to fully understand the financial implications of the agreement I was entering into. 

As a result of this undisclosed charge, my ability to trade in my vehicle has been negatively affected. The additional charge has inflated my loan balance, making it difficult for me to move forward with any trade-in options. This situation has created financial stress and has left me in a position where I am burdened with a loan amount much higher than I had initially anticipated. 

I believe that I have been treated unfairly and misled in this transaction, and I am seeking resolution for the added charges that were not disclosed to me. I request that the Consumer Financial Protection Bureau investigate this matter and assist in rectifying the situation, as it has severely impacted my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may mot treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Denied sufficient time to complete a ( short sale ) payoff on my mortgage. Very difficult to communicate with Nationstar due to lack of requested information ( payoff statement ) and denied internet account access. Forced to proceed with foreclosure despite numerous efforts to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a few letters in the mail about applying for a few credit cards which I never applied for. Luckily I was rejected for most. 
Then I ran a credit report and noticed a phone number, address, and credit line with " XXXX ''. I immediately issued a fraud alert and reported these to the credit reporting company and they removed all except the credit line. I then called the credit line company ( XXXX ) and they said they were already in the process of closing it. It was closed in early XXXX with an outstanding balance of {$3500.00}. I then called the credit report company and they issued a fraud dispute on the account and told me to file a report with the ftc. I couldn't find the right section to report so I am reporting here. The account was opened XX/XX/2023.
Product: Mortgage

My mortgage was being transferred, I made repeated calls to CASHCALL to ensure that there would not be an issue with my monthly payment as the transfer of loan was to occur shortly after the normal auto-draft takes place. 
The auto-draft was set up for the XX/XX/XXXX of every month my loan transfer was to occur on the XX/XX/XXXX. ( XXXX EST ) I spoke to several people at CashCall who assured me that the payment would go through without issue and then the new servicer ( XXXX XXXX XXXX  ) would take over. On the XX/XX/XXXX I called CashCall as the auto-draft was not taken out of my checking account, I spoke with XXXX ( ID # XXXX ) who informed me that because the XX/XX/XXXX happened on the weekend that it was delayed but not to worry as it will be taken out and the information would be transferred to XXXX. 
On the XX/XX/XXXX ( XXXX EST ) I received a debt collection call from XXXX asking for a payment. I confirmed that no payment had been withdrawn from my checking account. On the XX/XX/XXXX I called CashCall ( XXXX EST ) again and spoke with XXXX who had no sympathy for the situation and just said that I needed to set up a new payment with XXXX. I was then transferred to XXXX who had a little more compassion but was only able to reiterate that she could offer no additional solution. 
The fact that I was assured that the payment situation was being taken care of makes me believe that the transfer of the loan is set-up to require additional work for the customer in the hopes that payments are late so that additional fees/APR can be garnered from the individual. I understand that there is a grace period where fees and APR issues can not occur but without additional checks by the customer this period could have easily past. This practice needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sick and tired of Equifax removing the items then placing them back on my credit report. I was a victim of identity theft they won't allow me access to my online account I informed them I believe my ex who has my information is using my online account I've sent them request 10 times to update my address they have claimed they didn't get the info or when I fax they claim its not readable I've sent certified mail w/ tracking they claim they have no FTC report. One minute they correct the info then the next week the fraudulent information is added back to my report when I call about my own credit file that act like this is not my account. I haven't been able to get a copy of my credit report for years.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

As of XXXX XXXX, I was reported by XXXX XXXX XXXX. As a debtor of a fraudulent debt that was opened using my partial personal information, in XX/XX/2020 I contacted them to try to resolve the situation and they told me that they would send me a package by mail which was sent XX/XX/XXXX and returned to They with a copy of my driver 's license, a copy of the police report and an affidavit, as verification of my identity, today, XX/XX/XXXX, I contacted them again by phone and they told me that they were going to reopen the case, sending me another package by mail so that I could send them the same documents because they had exaggerated it, I asked to speak with a supervisor and explain my situation, but she ignored and told me that she was not going to take any action until they received that package again. 
According to FTC. This practice is illegal since they have to report 100 % accurate information and have 30 days + 15 to resolve the dispute, until today it has been more than 70 days since this investigation began, which is twice the time required by law, therefore I require that they immediately remove that debt from the credit bureau and pay me {$1000.00} dollars per month after the 30 days mandatory by the FTC, as collateral damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.
Product: Debt collection

Complaint made to Transunion on XX/XX/XXXX for derogatory account which they say is not on my credit report. I tried to file a dispute and they said it wasn't on my report, which in turn, kicked me out of their system and did not allow me to file a complaint in their system. In addition, this lien I m speaking on was taken off of all other reporting agencies, reporting only on Transunion 's credit report. The lien was released and does no longer belong on my credit report.

Recorder of Deeds Lien Status -Released REF # XXXX  Amount -XXXX   Transunion last reported this derogatory account on XX/XX/XXXX even with my complaint attempted to be filed on XX/XX/XXXX. It is off all other reporting agencies expect this one. ( i.e., XXXX & XXXX )
Product: Credit card or prepaid card

USAA is reporting debt not owed on credit report in the amount of {$2000.00}. I don't not owe the debt. Unpaid balance reported as a loss by the credit grantor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to the 3 credit reporting agencies on XXXX/2017 to have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect on XX/XX/XXXX of this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.
Product: Debt collection

In XX/XX/2018, the XXXX XXXX XXXX  sent me unsolicited merchandise which I did not order in the form of some type of coin ( I had never even visited their website until recently to figure out if they were a scam ) and sent me a bill demanding payment of XXXX for this coin I did not order. I looked up my rights and found that Im at no obligation to return unsolicited merchandise and so I ignored their mails. I recently received a notice from North Shore Agency that this has been turned over to collections. I have a very good credit score and need to get this resolved. I did not order this merchandise do not want this merchandise and know that I rightfully do not owe them anything for sending me a coin that I never ordered. That said, Im happy to return their coin to them at their expense only. I found that another person has also reported the same issue on the Consumer Affairs website in XX/XX/2019 so I do not know how many people potentially find themselves in this position but wanted to make you aware of their unethical practice and need to know how to proceed? Thank you for your time and support in this matter, Best Regards,
Product: Credit card or prepaid card

I was offered XXXX bonus points if I signed up for the Amex platinum card and spent XXXX USD in 3 months. I signed up for the card and was approved. There was no notice that I was not eligible for the XXXX bonus and in fact I was told that I was eligible approximately three times by Amex employees in 2019 in multiple phone calls ( these should be recorded ). I was told that I hit the goal and the points would be added to my account in six to eight weeks ( was told this on multiple occasions by Amex on recorded calls in 2019 ). 

In the past week I was told that I was not eligible for the bonus even though I was approved, was told that I was eligible multiple times by Amex employees, I hit the spending target within three months ( confirmed by amex employee on recorded call ), and I paid my bill in full. 

Amex managers have been unhelpful so far unfortunately. My personal account is in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to pay off the balance of a loan in exchange for the contract and remaining balance of the loan. I requested this information by XX/XX/XXXX. I did not receive a response. I sent another letter on XX/XX/XXXX extending the offer to XX/XX/XXXX. My letter was still ignored, which translates to the company refusing payment. On XX/XX/XXXX, I sent letters to TransUnion, XXXX, and XXXX informing the reporting agencies of the past mistakes of the company such as misreporting, and repossession of my vehicle. XXXX XXXX XXXX is now reporting a delinquency to the credit reporting agencies. I sent the credit reporting agencies copies of the letters and certified mail receipts to investigate. I was informed by the XXXX dispute representative that they sent over the documents to XXXX, opened an investigation on XX/XX/XXXX, and closed it on XX/XX/XXXX because XXXX verified the information they were reporting was correct. I was also told by the XXXX dispute representative that they DO NOT have to obtain proof from the furnisher regarding any item that is disputed by the consumer, as that IS NOT their job. XXXX XXXX XXXX verified the information to be correct without providing any proof adverse to the documents I sent in for the item to be removed from my account.
Product: Credit reporting or other personal consumer reports

I have an inquiry on my report that I didn't run from XXXX XXXX on XXXX XXXX. I have filled with FTC about fraud being on my accounts with FTC ON XX/XX/24