23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a large amount hit collections for medical debt. I called the collection agency- they said XXXX send me paperwork. I never received paperwork. I called my insurance company- they said absolutely Im covered and shouldnt have any debt. I called the hospital that supposedly sent my account to collections. They told me IMMEDIATELY that some sort of mistake was made, and that they will have the collection agency delete the collections off of my account immediately. My biggest issue with this is, 1. ) I disputed this account MULTIPLE times and it came back as all good thats a huge violation 2. ) Even once they delete this off my credit, it wont fall off until next credit cycle. So my credit will remain affected for even LONGER- when it should have never been affected at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion fail to add a fraud alert to my credit XXXX call me before issuing any credit they put a consumer statement which i never asked them to do
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   2017 I p aid a {$460.00}  XXXX    XXXX   XXXX   medical bill. It is showing  - XXXX - b alance with  XXXX  and   XXXX    .  Transunion refuses to correct the balance to  - XXXX -.   XXXX  emergency associates advised they would recommend the tradeline be removed since it is a medical account. This has not been done either. I have disputed the amount  2 d ifferent times and they insist that the amount is correct and it is not and I can prove it. Please advise if I need to hire an attorney.
Product: Debt collection

I have tried several times to dispute this account, but this DSNB/MACYS 's account is still on my report, and negatively affecting my score. 
DSNB/Macys 's account has passed the statute of limitations, but on my credit report a debt with an expired statute of limitation is still listed. 
Please find attached file. 
For Citi 's account number is XXXX.
Product: Credit card

On XX/XX/year>, I took advantage of a Capital One Offer promotion to receive 4 % cash back on an XXXX purchase. I ensured the purchase met all the terms and conditions, with no exclusions. The item, a Buy it Now purchase, cost {$4900.00}. Within two days, the transaction was posted as pending on the Capital One Shopping Trips portal.

I always take screenshots of each step for evidence. Once the transaction was listed as pending, I knew it was just a matter of time before the credit was posted, typically within 2-3 billing cycles. I waited patiently until XXXX. 

In XXXX, I noticed the credit had not been posted. Checking the website, I was shocked to find that Capital One had removed the transaction and replaced it with another purchase from XX/XX/XXXX. There was no explanation. It seemed an update of the Capital One portal between XXXX and XXXX caused the error. 

Previously, I had a transaction canceled, but never one that disappeared. I had filed a CFPB complaint before and was reimbursed. I documented everything again with screenshots. 

On XX/XX/year>, I called Capital One at ( XXXX ) XXXX. I spoke with a representative and her supervisor for over an hour. They tried to help but could not access the offer language from when the transaction was made. I explained the transaction had disappeared due to a system error.

They suggested the item might be excluded based on updated exclusion language, which was different from when I made the purchase. I clarified that the language they were reading was NOT the language I was provided when I purchased the item. I also cited other identical items I bought at the same time, which Capital One did not exclude and showed as pending or credited.

The call ended with the representative helping with some of my other pending items ( not the one that is the subject of this complaint ), but they were unable to address the missing {$4900.00} transaction.

I reviewed the terms and conditions and confirmed no exclusions applied. I requested the {$190.00} credit ( 4 % of {$4900.00} ). I offered to provide evidence, including screenshots and the XXXX invoice, but they said it was against their protocol. They could not confirm the offer terms at the time of purchase. 

Capital One refused to accept my evidence, including their own portal page confirming the item qualified for 4 % cash back. They also refused my XXXX documentation showing the item was not canceled or returned. Indeed, the refusal was for their VERY OWN shopping portal page which confirmed the item qualified for 4 % cash back/credit, and that I would receive it in 2-3 billing cycles. They also refused to accept my documentation from XXXX that I never canceled or returned the item. This conduct is fraudulent, illusory, and clear evidence of false advertising. Capital One can not change the terms of an offer after the fact and apply it retroactively. They did not offer me the opportunity to substantiate or send evidence/screenshots of my claim for the 4 % cashback. Accordingly, I had no choice but to file this CFPB Complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payment listed on my credit reports for XX/XX/XXXX regarding Wells Fargo Bank, account number XXXX, by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX. USPS verified that all my requests were received. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, I already qualified for the XXXX bonus miles with my American Express Gold Delta SkyMiles Credit Card ending XXXX SkyMiles Account : ending XXXX with more of {$1000.00} within the first 3 months of Card Membership. The miles have not been Accredited to my account and it 's been 6-8 weeks after I reached the spend threshold. I opened the account on XXXX XXXX and completed the requirements the first week of XXXX 20017. I called American Express Customer Services XXXX several times and the Account Representatives explained different reasons and excuses all the time but they do n't give me any results. There is a case open XXXX but they do n't have any resolution. I 'm trying to purchase a Delta Tickets but I need the miles to be accredited to my Delta SkyMiles account in order to purchase the tickets. This is the reason why I opened the credit card. I am sick of calling customer services and nothing changes so far. XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 at XXXX I was paying for a purchase at Kohl 's department store in XXXX  , AZ . I handed the cashier a Friends & Family coupon for 20 % off and she immediately began asking me for personal information ( address, DOB, SSN ). I asked her if all of that information was really necessary for the coupon and she said " Yes ''.

Then she told me that I was denied. I asked her if that meant I couldn't use the coupon, and she said that I was denied for a charge card, but could still use my coupon. When I told her I didn't want a charge card and did not give her permission to pull my credit, she just handed me my receipt and went on to the next person. 
When I got home, I called the store and spoke to a manager who apologized and gave me the phone number to the credit department to have the inquiry removed from my credit report. I called the number XXXX and they were unable to help me since an account was not established. They referred me back to the store to dispute the credit inquiry - the store referred me back to the credit department. This is a violation of both UDAAP and FCRA.
Product: Debt collection

XXXX XXXX {$65.00} Opened XX/XX/XXXX XXXX XXXX  {$3700.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Certified letter were sent notifying the credit bureaus of multiple attempts made running my credit without my authorization on consecutive days and months. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information I believe is inaccurate or unauthorized, and the bureau is required to conduct a reasonable investigation.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
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
Product: Credit card or prepaid card

I received a XXXX that my credit score dropped a few points. When I checked with my local credit union, I found that Bank of America issued me a card with a $ XXXX limit which I did not apply for. I called the company and got the card canceled. My credit is locked at all three reporting agencies and placed fraud alerts. I just received another card in the mail from Bank of America with a $ XXXX limit. When I called to cancel the account and report the fraud, they told me there was a third card applied for that would be approved soon. I asked them to cancel that account also. I also asked how these cards could be issued if my credit was locked and they could not offer me any explanation. I asked them to flag my name and social security number so no more could would be issued and they told me that was not possible.
Product: Checking or savings account

Wells Fargo charged me exorbitant over draft fees for years until I closed the account completely.
Product: Debt collection

I keep receiving calls from 1st Choice Assets. I owe XXXX debt, when they call they will not tell me why they are calling unless I verify my address first. They call me 2-3 times a day and I keep telling them to stop calling me. It is becoming frustrating because they call anywhere from XXXX to XXXX daily. I know for a fact I owe XXXX debt and have no liens against me. They need to stop calling me!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S Code 1861 ( b ) Permissible Purpose Of Consumer Credit I did not give permission for the creditor to place anything on my credit I have asked it to be removed multiple times now Im demanding it be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Card is listed on my credit report. I did not charge anything on that card. It was fraudulently used by someone other than me.
Product: Vehicle loan or lease

XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX PA, XXXX Social Security # XXXX DOB : XX/XX/1990 Account XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that there are no references to you making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly, as well as the immediate rescission of contract due to noncompliance of federal regulation & the right of the consumer to rescind the contract under these circumstances. Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX XXXX.
Product: Credit card or prepaid card

ALLY FINANCIAL REPORTED AN INQUIRY ON MY XXXX   CREDIT REPORT THAT IS NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information and refusing to follow protocol for furnishing information to my consumer report, without consent and improper verification whihc ahs resulted in damage and stress to me. please see attached. 

i have also sent in a paper copy of this information to the address on experian website along with identification ( CM XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

After the dispute the creditor has instructed the major credit reporting agencies to delete this account from my credit files and I request assistance from the CFPB to ensure that this is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a " dispute request '' on XX/XX/2018 concerning Phoenix Financial Service, LLC.

Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations. 3 ) Please remove this creditor for incorrect balance amount account. 

On XX/XX/2018 received email update concerning dispute result. 
Phoenix Financial Service remains on my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX regarding my student loans with account number XXXX. Despite receiving a 1099-C Copy B from the IRS, signifying a discharge of debt, XXXX persists in reporting an outstanding balance on my credit report. Moreover, numerous violations of federal laws and regulations have transpired concerning the management of my XXXXXXXX loan data and credit reporting. 
The 1099-C Copy B, furnished by the IRS, denotes the discharge of debt pertaining to my XXXX loans. This discrepancy indicates potential fraudulent activity and misinformation on my credit report, a concern corroborated by the attached documents. XXXX has infringed upon the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ) rights, which safeguard the privacy of student education records. Under FERPA, unauthorized disclosure of educational records to data furnishers is prohibited. The Privacy Act and FERPA, established in 1974, apply to all public or private elementary, secondary, or post-secondary educational institutions. According to 20 USC 1232g ( b ) and 5 U.S.C. 552a ( b ), agencies must not disclose records within a system without written consent, a protocol that was not adhered to in my case. 
XXXX has reported an outstanding balance on my credit report without my consent. Moreover, consumer reporting agencies like Experian and XXXX have provided information regarding my XXXX  loans without my explicit authorization, contravening 15 USC 1681 ( s-2 ). The failure to inform me of my nondisclosure option, as mandated by 15 USC 6802, and the reporting of adverse information without my consent, as outlined in 15 USC 1681C ( a ) ( 5 ), are additional violations of the Fair Credit Reporting Act ( FCRA ). XXXX has also furnished inaccurate information to consumer reporting agencies, violating 15 USC 1681s2 ( A ) ( 1 ). 
XXXX, along with consumer reporting agencies such as Experian and XXXX, have failed to uphold reasonable procedures to prevent FCRA violations and to restrict consumer report furnishing to the purposes delineated in 15 USC 1681b of the FCRA, as mandated by 15 USC 1681e. Furthermore, XXXX neglected to inform me of my right to opt out of their reporting services, contravening 12 CFR 1016.7. 
In light of the aforementioned violations, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take appropriate action against XXXX and the implicated consumer reporting agencies. Additionally, I request that XXXX rectify the erroneous information on my credit report and desist from further reporting of my XXXX loan details without my explicit consent. 
Thank you for your attention to this matter. I anticipate a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus XXXX, Equifax, and XXXX have listed on my Credit Report XXXX XXXX XXXX  and original creditor XXXX XXXX XXXX in the amount of {$4.00}, XXXX. The issue is this shows opened XX/XX/XXXX and the account is OPEN and all of that is Categorically False! I have been with XXXX since XX/XX/XXXX making this debt over 7 year old which should of been removed from my Credit Report. 
These creditors/collections do this all the time, change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice in unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.
Product: Checking or savings account

My debit card and pin was used for purchases and money withdrawals without my authorization totaling {$670.00} The bank refused this claim because they state they found the transactions were made by me or someone who had my permission. 
I claim I'd did not authorized anybody to use my card which was stolen while traveling out of the country and told them that the ATM and stores have cameras to find the culprit.
Product: Credit card or prepaid card

I have ordered authorized user 's credit card but never received and therefore never activated. All of the sudden I have bunch of charges shown on my statement. I filed the fraud dispute so many times but Chase Bank never took care of this issue. I have been making minimum payment on unauthorized charges to keep my credit history good. This is not fair that I am making payments on some one else 's charges. 
I informed Chase Bank that I never received the credit card for authorized user and how can i activate the card if i don't have it?!!! How can I have charges when I did not activate the credit card. I believe this was an error by Chase Bank and I hope they take care of this matter immediately.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX {$720.00} and 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: Money transfer, virtual currency, or money service

I was the victim of a romance scam. The customer chat support does nothing to investigate because the network is " peer to peer '' and all transactions are legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Federal Law, the below accounts have violated my rights and I am preparing to take legal action : XXXX {$1500.00} XXXX XXXX {$300.00} Dept of EdXXXX {$80000.00} XXXX XXXX {$500.00} 15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 section 2 states that a consumer reporting agency can not furnish a report without my written instructions. 

I am preparing to take this to a small court and recover damages. Also, XXXX and XXXX have removed these accounts. I have attached supporting documents. The Fair Credit Reporting Act states that all reports must show the same accurate information across any profile.
Product: Credit card or prepaid card

On XXXX/2017, y applied for a cashforward barclaycard credit card, 0 % interest in 15 cycles, on purchases or transfer balances, but they are charging interest right now. On XX/XX/XXXX they charged {$39.00}, on XX/XX/XXXX {$40.00}, XX/XX/XXXX {$23.00}, XX/XX/XXXX and XX/XX/XXXX they did n't charge nothing. Before I start using a credit card, i call to the credit company to make sure they are giving to me what they offer. They said 0 % on purchases or balance transfers on15 months. Is the first time I have a problem with a credit card.