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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Account Number : XXXX To Whom It May Concern : I am writing regarding the above-referenced account that has been written off as a bad debt. According to my XXXX credit report dated XX/XX/XXXX, this account is listed as " Charged off as bad debt '' with a balance of {$XXXX}. The report indicates the account was closed and the balance was updated on XX/XX/XXXX, signifying that your institution has XXXX this debt and deemed it uncollectible. 

XXXX Internal Revenue Service ( IRS ) regulations, specifically XXXX XXXX XXXX, financial institutions are required to issue Form XXXX, " Cancellation of Debt, '' when a debt of {$XXXX} or more is canceled or forgiven. This form must be provided to both the debtor and the IRS by XX/XX/XXXX of the year following the calendar year in which the debt was XXXX. 

To date, I have not received a Form XXXX for this XXXX debt. Since this information is necessary for me to properly prepare my tax returns and comply with IRS requirements, I am formally requesting that you : 1. Provide me with a copy of the Form XXXX that should have been issued for this account, or 2. Issue a Form XXXX if one has not yet been prepared, documenting the canceled debt amount and the date of cancellation Additionally, I am requesting that you update my credit report accordingly. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, once a debt has been XXXX and a XXXX has been issued, the account should be reported as " paid '' or " settled '' rather than as an ongoing collection or charge-off. The current reporting is inaccurate and harmful to my credit profile, as it suggests an ongoing obligation that has legally been satisfied through the discharge. 

Please send the requested XXXX documentation to my address listed above and confirm in writing that you have taken steps to correct the credit reporting within XXXX  days of receipt of this letter. If you believe that a Form XXXX is not required in this situation, please provide a written explanation detailing the specific reasons and the relevant exemption under IRS regulations XXXX 

I appreciate your prompt attention to this matter. Proper documentation of this canceled debt and accurate credit reporting are important for both my tax compliance and your institution 's regulatory compliance obligations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX Credit Bureau
Product: Debt collection

Both TransUnion and XXXX have failed to remove the debt although it has been proven through multiple disputes that debt validation guidelines/items that were requested from the collection agency via mail in XX/XX/year> were not met by the collection agency. I have filed disputes repeatedly through TransUnion and XXXX. These credit agencies have ruled in the favor the of the collection agency I am disputing even though I have not yet received a response to the debt validation letter from the collection agency ( XXXX XXXXXXXX XXXX ) The debt reported to my credit by XXXX. XXXX XXXX is not mine and debt validation requests have been ignored. The charge should have been billed to my secondary insurance at the time ( XXXX ) if the agency found that my primary insurance at the time that was provided by my employer ( XXXX ) did not cover the charge. Instead of taking these steps, I was billed instead while having both XXXX and insurance through my employer. I have since opted out of the insurance provided by my employer, as I have switched to a salary position beginning XX/XX/XXXX and now have another health insurance provider through my employer. Either way, at the time of the charge, I should not have been billed as this charge could have and should have been covered by XXXX when I had XXXX. I have attached a copy of the debt validation letter that I sent by mail to the collection agency, and that has been uploaded to both XXXX and TransUnion dispute centers in attempt to dispute the debt. The collection agency has failed to meet the guidelines of the debt validation letter and yet, I the reporting agencies mentioned have not removed the account from my credit. I have the right to the information requested in the debt validation letter within a reasonable time. This standard has not been met and
Product: Credit reporting or other personal consumer reports

In my dispute with Experian, I highlighted several accounts that I believe are inaccurately reported. The accounts include XXXX XXXX with a balance of {$0.00}, dated XX/XX/XXXX ; XXXX also with a balance of {$0.00}, dated XX/XX/XXXX ; and XXXX XXXX XXXX showing an outstanding amount of {$680.00}, dated XX/XX/XXXX. Additionally, I disputed XXXXXXXX XXXX with a balance of {$0.00}, dated XX/XX/XXXX ; XXXX, which has a balance of {$5200.00}, dated XX/XX/XXXX ; and XXXX, also with a balance of {$0.00}, dated XX/XX/XXXX. Furthermore, I questioned another account from XXXX XXXX XXXX with an outstanding amount of {$670.00}, dated XX/XX/XXXX, as well as an account from XXXX XXXX showing a balance of {$35.00}, dated XX/XX/XXXX. 

What is particularly troubling is that the statuses of some of these accounts vary significantly across different credit reporting agencies. For instance, the same account may be reported as paid, in collection, or derogatory depending on which CRA is being referenced. This inconsistency raises serious doubts about the accuracy of the information being reported.
Product: Credit reporting

My name is XXXX XXXX XXXX and XXXX XXXX is on my Credit report and i want her OFF, she even had a different social security number. I want her off now! She has really XXXX up my credit check and is invading my security. this has been since the year 2000. I tried getting her off before but know one has taken care of this ugg.. my home # is XXXX my email is XXXXXXXXXXXX my home # XXXX. Let me know what else I can do to get her off. she has ruined my credit.
Product: Credit card or prepaid card

PayPal credit Synchrony bank claims that an ACH payment attempt was made on XX/XX/2023 through my XXXX  bank account and returned unpaid. XXXX  has no record of the XXXX attempt. PayPal/Synchrony is unable to explain the failed ACH attempt. There is a {$30.00} charge placed on my account. I have been paying my monthly payment with this same method for years. After a phone call on XX/XX/2023 Synchrony bank has received payment directly from my XXXX  account. 

Also PayPal Mastercard has an issue with excepting payment through their website portal. I have spent over an hour on the phone with PayPal and Synchrony bank neither of which can explain the failed ACH attempt or the failure to except payments through their online portal. 
Synchrony bank claims that they will remove the {$30.00} fee, but I have not seen the return as yet. 
I have spent over an hour on the phone with PayPal technical support with no resolution to the payment portal issue or the failed ACH payment.
Product: Credit reporting or other personal consumer reports

Somebody stole my indetity information and have my social security, my address etc and he has create 3 accounts. I already froze my social on all 3 XXXX, transunuion and the other one.
Product: Credit reporting or other personal consumer reports

I woke up to find inaccurate accounts listed on my credit report, and Im truly baffled by how this happened. I double-checked my report as I always do, but this time there were strange discrepancies that appeared out of nowhere. Refreshing the browser didnt solve the problem ; the errors stayed. This situation has left me stressed, and I need my documents reviewed carefully so I can put this worry behind me once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the XXXX XXXX agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Experian is reporting 2 inaccurate late payments for the XXXX XXXX XXXX DC with account number XXXX. This includes late payment 30 days from XXXX XXXX, 60 days late payment from XX/XX/2017, these are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C. 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these - late payments resulting in Experian violating my Federally protected consumer rights. To add to this, I did not give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report or file, thus violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Debt collection

In XX/XX/XXXXXXXX  I went to XXXX to purchase a pair of dress slacks. I chose a pair and was offered a {$25.00} discount if I were to open a charge account. ( Having had one previously with them for years - while still working- I consented ). A time later, the bill arrived, and not noticing a way to pay on line I set it aside for attention at another time. In late XXXX a second bill arrived and I paid the new amount with a late fee, and an interest equal to 46 % by mail. My check was XXXX by Comenity, a day late, and a second interest was charged, this time at 1120 %. 
Believing that I had fulfilled my obligation to Comenity, I didn't bother to open the XXXX and XXXX billing statements. On XX/XX/XXXX, I sent a check for the two interest payments and a {$2.00} late fee totaling {$6.00}. Again the accrued interest was {$0.00} but the charge was {$2.00}. I wrote on the check, and the tear off portion of the statement that this was my LAST, final check to that account. 
The bills continue. On the XXXX of XX/XX/XXXX, I spoke with an agent, and then with a supervisor, XXXX, confiming with her that I would not be making any more payments. She informed me that she would mark my account as " Refusal '' and that it would continue to accrue charges. 
Because of the frequent calls to my cell phone, I blocked each new number from Comenity bank. Near the end of XXXX, XXXX, I started an XXXX spread sheet recording the missed calls, and the messages left by Comenity bank. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX account # XXXX account # XXXX account # XXXX account # 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

My credit report shows items that I have no knowledge of. I'm preparing to buy a home soon. So I need these items removed as soon as possible.
Product: Debt collection

Called to set up payment arrangement for future dates. Sending threatening letters to my home address saying will " RUIN '' credit if do do not recieve balance in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is housing unverified information on my consumer report. Information from the Department of EducationXXXX XXXX 
They are violated several federal laws.
Product: Student loan

My payments have reached 120 and my loans should be discharged. Mohela has claimed the have sent the information to the Department of education. The Department of education has claimed they do not have it. Both the Department of education and Mohela have been playing games and referring me back to each other for 6 months and no one wants to take the responsibility to discharge the loans I worked to pay off. My 120 payments for PSLF have been met and my loan needs to be discharged now. The Federal Student aid office has a compliant that has not worked on or touched since XX/XX/2023. Feedback Case # XXXX. This is up to the Dept of Ed to discharge my debt right now. This has been ongoing since XX/XX/2023.
Product: Checking or savings account

TD Bank 's new attempts to assess {$35.00} overdraft fees based on a lapse in time of funds in an account on the same day versus the old banking practice of being negative overnight is anti - consumer to the extreme and MUST be stopped. 

Those of us XXXX XXXX know all banks books need to be balanced to -XXXX- at the end of each day. A bank is never truly at a loss even in typical cases of overdrafts lingering on overnight or for days. 

But, TD trying to say a loss has occurred within minutes or hours is absolutely horrific. Can us consumers be raped and pillaged even more by this egregious banking system? 

Congress or whomever really needs to nip this TD policy in the bud. It is not acceptable whatsoever.
Product: Credit reporting or other personal consumer reports

XXXX is showing that I have 20 accounts reporting with them. 8 of those accounts are open and 12 are closed. XXXX has XXXX2 accounts, 4 open and 8 closed. Experian has 18 accounts, 6 open and 12 closed but, all are showing payment history and the amount owed which are transactions. This is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called them, called bureaus and wrote them disputing
Product: Credit card

American Express has changed my promotional 0 % APR to the 29.49 % penalty APR, claiming that a payment by my bank was returned unpaid. However, my bank tells me that this payment was fully honored by them. As a result of Amex 's actions, I have been charged {$54.00} in illicit interest ( in addition to what may be charged on the XX/XX/XXXX statement ), and my {$5.00} payment was not properly applied to my account. American Express customer service representatives have been unable or unwilling to research the issue.
Product: Credit card or prepaid card

I have been an AmericanExpress customer for over 25 years. In the 25 years I paid my account balance in full each month. In XXXX I was getting bombarded with solicitations from AmEx to open a new credit card account which offered 2 % XXXX % cash-back reward on each transaction made on the card. AmEx website is still promoting this card on their website. In XXXX I applied for and received a new AmEx XXXX XXXX XXXX card with the cash-back reward offer. Over the course next 2+ years I used the card for tens of thousands of $ transactions. At end of each month during these 2 years I paid off account balance in full. AmEx records would show that full payment on this account were made every month, until XX/XX/XXXX. Despite having paid off my balance every month in full, AmEx did not credit my account a single $ for the cash-back rewards, not once in the 2 years. In XX/XX/XXXX I closed this account. The XX/XX/XXXX statement from AmEx shows the cash-back reward balance AmEx owed me was {$1700.00}. I have written to AmEx multiple times in the last few months to reimburse me the cash-back reward as per the terms of this account. To date I have not received any cash-back reward from AmEx.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I notified XXXX of the discrepancies stating my accounts were pays as agreed, however still listing as negative info. On XX/XX/19 I received an alert from XXXX XXXX in regards to an inquiry, I then contacted Capital One who is unable to validate a request came in on my social security number, After reporting this to XXXX, they have lowered my credit score while updating comments that were inaccurately reporting on their behalf to begin with. I seek immediate remedy and resolve in this matter as XXXX & Capital One who denies any involvement, is in violation of the Fair Credit Reporting Act & Fair Debt Collections Practices Act, 15 USC 1692g Sec.809.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been making monthly payment with XXXX XXXX on time to get my Loans out of default and im currently on rehabilitation. This week i get an update via XXXX XXXX that my payment history was reported as Late which caused an 82 point drop in my credit score. The previous week my balance was decreased and negative payment history was removed. I spoke with XXXX from the department of education and was advised they don't update any payments when they are in default and to contact the Credit reporting. Not sure what is going on but i need this to be updated and corrected.
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 XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX I was able to transfer out of my account at Citizens Bank, the amount of {$260000.00}. On XX/XX/XXXX I was sable to transfer back in {$250000.00}. On XX/XX/XXXX I attempted to transfer close to {$300000.00}, to purchase my condo, as the XXXX was my closing. Citizens Bank refused and said there was nothing they could do. They changed the limits to {$25000.00} daily and {$100000.00} monthly limits without notifying us. Furthermore, in the Faq section, they still had stated the limit was {$250000.00} daily and no monthly limit. They insisted that I could only make the transfer by visiting a branch. I was not in any state close to any of their branches. 

I am now having to pay for flight 's, a hotel, food that I would not had to pay for, a {$750.00} penalty for closing late on the condo and at least 10 hours on the phone with them
Product: Credit card or prepaid card

I filed a compliant against U.S. Bank in late XXXX XXXX # XXXX XXXX for a hold on my credit card while receiving spam calls. U.S. Bank responded and stated that " on XX/XX/XXXX, we were able to complete the verification process and remove the hold off your account. '' Following U.S. Bank 's response ( attached ), I called the customer service and successfully activated my credit card on XX/XX/XXXX. However, one day later, U.S. Bank closed my account for no reason provided to me. I simply noticed my credit card account dissappeared in my app and called in. I was told that I needed to call XXXX to speak with someone. I called and it turned out to be their " authentication '' department. A rather rude rep simply insisted that I needed to " authenticate '' myself in U.S. Bank branch and then abruptly hung up on me. As a New York State resident, I know that there isn't any U.S. Bank branch in my state, or even in Tri-State area. I verified this via U.S. Bank website. Does U.S. Bank really think I need to fly to Minnesota to " authenticate '' myself? If this is the case, U.S. Bank should not accept any credit card applications from the states where it does not have retail branch, because I am sure no customer will travel by air to their branch to establish their identity. 
As I have other credit cards, I am fine without their credit card. However, I found their practice strange, arbitrary and discriminating. I am writing to let CFPB and the readers know it so that you are aware.
Product: Debt collection

I received lease renewal notice dated XXXX XXXX, 2015 which I signed indicating that i would not be renewing my lease, I returned this to the leasing office on XXXX XXXX, 2015. This was not considered to be notice that I wanted to end my lease and leave. There was a form that I did not know about that is given to indicate notice to vacate an apartment. I found out about this form, when I went to the leasing office to ask about a notice for XXXX rent. I have been sent a bill from a collections agency for the amount of $ {$3.00} XXXX. I am unable to pay this kind of money. I do owe rent for the month of XXXX which I am willing to make payment arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with this company since XXXX concerning the validity of this account with no remedy in sight. Please help me bring resolution to this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am requesting the method of verification of that Lexis Nexis used to verify bankruptcy case number XXXX. 

I have contacted XXXX and they, just as the US Bankruptcy courts state that they DO NOT provide verification of any court cases. The personal information on said case number DOES NOT match my personal information, yet Lexis Nexis continues to verify the erroneous information. Also, according to Lexis Nexis records and their response to my previous complaint CFPB CASE # XXXX, I contacted the LexisNexis Consumer Center directly on XX/XX/XXXX to dispute a bankruptcy record and request that a security freeze be placed on his Lexis Nexis file. This information is completely erroneous because the above mentioned case number was filed in XXXX of XXXX as stated by XXXX. LexisNexis has also stated that the bankruptcy investigation was resolved on XX/XX/XXXX, but again this is impossible because there was no case filed on or before said date. 

Again, according to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The XXXX makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX also states that I, XXXX XXXX, must give written permission to Lexis Nexis to access, sell and/or distribute my public information : 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have not, in fact, given Lexis Nexis written instructions to report this information according to the law above. By reporting said information Lexis Nexis is in violation of section 604 by asserting this false and erroneous report. 

A report of a bankruptcy is an infringement of my right to privacy and such reporting is a direct violation to the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 4 ) a consumers right to privacy. 

Under the FCRA, XXXX, XXXX XXXX, have the right to request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. 

As of XX/XX/XXXX I have requested the description of procedure used to determine accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted.