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

Because of the recent revelation of XXXX data loss of consumer data, I decided to freeze my credit report with all four agencies. On X/X/17 I went online with Experian and filled out the paper work and paid what I thought was a {$1.00} charge. ( XXXX dollar. ) I just discovered that I was enrolled in a {$21.00} a month plan that I did not want, did not consent to, do not want and I consider a fraudulent practice. 

It is very difficult to remove my membership on their website and there is no way to get my credit card number removed. I think I managed to remove my membership in this unwanted plan. I strongly object to what I consider completely fraudulent practices by this company, and want a refund of all but {$1.00}, which is what I agreed to pay. I also want my credit card number removed from their database.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX and XXXX service has fraudulently put a negative item on my credit report. I have attached appropriate documentation. I demand that this item is removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

At some time in the past, someone stole my personal information from my employer through a successful phishing attack. This information was then used to fraudulently open a XXXX account in my name, using my SSN, and purchase several phones, running up a bill of about {$2700.00}. I was unaware of this until it went to collections. The collection attempt on the fraudulent account was reported to both XXXX  and Transunion. Neither XXXX  nor Transunion has complied with the timelines mandated in FCRA 605b 15 U.S.C. 1681c-2, which mandates that " a consumer reporting agency shall block the reporting of information ... that the consumer identifies ... resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency '' of specified documentation. 

On XX/XX/2021, I opened a dispute with Transunion using their online dispute portal. I stated that the account had been opened fraudulently, but I didn't attach any documentation, because I didn't have any, and didn't know what was required for a successful dispute. 
On XX/XX/2021, Transunion rejected my dispute, saying that the information had been verified by the data provider as accurate. Their response made no mention of my allegation of fraud, and showed no sign that anyone had even read my comments. 
On XX/XX/2021, I filed an identity theft report using identitytheft.gov. I called Transunion the same day, and was advised to initiate a dispute by mail, as the type of dispute I needed was not available online. I mailed in the dispute form from identitytheft.gov on XX/XX/XXXX via USPS first class mail. 
Based on typical mail delivery timelines, I expected transunion to receive my letter by XX/XX/XXXX or XXXX. On XX/XX/XXXX, I checked my transunion report using the transunion website, and saw that the fraudulent item was still there. When I called them on XX/XX/XXXX to ask why they still had not removed the data from my file, they said that they had only received the documentation on XX/XX/XXXX. The documentation was assigned item number XXXX. 

On XX/XX/XXXX, 5 business days after they received the documentation, I checked my transunion report online again, and the fraudulent item was still there. I called again, and spoke with XXXX XXXX XXXX, who opened a third dispute using case number XXXX. He explained that they were still processing the documentation received on XX/XX/XXXX, and that their normal turnaround time was 5-7 business days after receipt of the documentation. This exceeds the timeline of 4 business days allowed by FCRA 605B ( 15 U.S.C. 1681c-2 ) ( see https : //identitytheft.gov/PDFs/FTC_FCRA_605b.pdf ). 

Mr XXXX was very courteous, XXXX, and respectful. He appeared genuinely interested in helping me as best he could, and concerned that his employer 's policies or practices may be in violation of the FCRA. He indicated that he would bring the matter to the attention of his management. It is my hope that this complaint from the CFPB can provide additional pressure to Transunion to bring their processes into compliance.
Product: Credit card

I have closed my account and they have canceled my access to my information via the web. I have tried to get a record of XXXX and XXXX transactions - all monies in and out to properly account for on my tax returns. They keep responding via email to log on to get information, but MY LOG IS CLOSED and not working. I have emailed them ( they do not take phone calls ) and they only respond with auto reply that does not provide information
Product: Credit card or prepaid card

Citibank charge {$23.00} on {$700.00} dollars for 30 days XX/XX/2022 and that is not the 13 % / 12 months. 
Further I do not agree to compound interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 letters last month because I noticed there was inaccurate on my credit report but the accounts were never removed.
Product: Checking or savings account

Previous to XX/XX/2019, we received fraud on our checking account. US Bank advised us to close the account and reopen a new one due to this fraud, of which we did on XX/XX/XXXX. The next month we received a statement saying that we owed them XXXX for credit card/overdraft charges. They said that my husband, when he set up the account, set up for overdraft, when he thought if any overdrafts were to be coming out of his savings. He never signed for a credit card/overdraft protection. This was a special going on at the time and he never signed for it. He never noticed the few overdrafts going to a credit card, only that they were coming from his savings. The company can not prove that he ever signed for this. In the meantime, we have been trying to get help on the phone. When we could not get any help to resolve this issue, we wrote a letter to the President of US Bank. When nothing helped, we called one last time and they said someone would get back to us. A few days later, we received a letter stating that they had written off the {$1200.00} plus interest totaling {$2900.00}. We then called collections and they said to have our lawyer write a letter to US Bank of which he did and we are waiting to hear from them. In the meantime, a XXXX XXXX XXXX told me to write you and that ironically enough, sounded like the scam that XXXX XXXX did ( charged people with a credit card when they did not ask for one and sign up for a new account ).
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXur collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2024, I deposited a {$2000.00} cashiers check and was told it would be available on Mon. or Tues. Since it was an unexpected Blessing I agreed. This morning I look to see it is being hijacked until the XXXX? SHE LIED JP Morgan has a habit of hiring XXXX  that display XXXX XXXX  toward their XXXX consumers. The wording used is also demeaning and XXXX. WHO I AM IS A CONSUMER WHO HAS BEEN THERE SINCE XXXX, WHO I AM IS A CONSUMER WHO HAS DIRECT DEPOSITS MONTHLY, WHO I AM IS A BUSINESS PARTNER WHO ENCOURAGES HER COLLEAGUES TO OPEN ACCOUNTS THERE. A gift from my deceased fathers bank has turned into a nightmare
Product: Payday loan, title loan, or personal loan

I applied for a credit card with Navy Federal, I was approved for a {$500.00} limit with an XXXX XXXX card, when I received it the account was closed.
Product: Debt collection

XXXX has illegally shared my personal private information with a 3rd party debt collector, without consent from consumer which is a violation of US code 15 sec 6802. 
XXXX shared my name, account number and financial information, which can carry {$1000.00} fines for each violation.
Product: Debt collection

Jefferson capital, ,debt collection, I've contacted several times, told them the debt amount was incorrect, due to the fact XXXX  XXXX would not accept the phones back and deduct from final bill,, they say it's not their problem, ,contacted XXXX several times and complaints, they contacted Jefferson capital with no results,, contacted again XXXX  still gets no response,, Jefferson capital says I owe XXXX without the phones removed and won't deduct
Product: Debt collection

This company is reporting a collection to my credit report from an account that does not belong to me.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX  XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. 

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, 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. 

It is ridiculous that this account is even being reported as late as I have been set up for autopay during my entire payment history with XXXX XXXX. 

I am prepared to file a complaint with the XXXX  as well for both company 's if this situation is not rectified immediately. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, but your agency also failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting inaccurate information. I sent a letter on XX/XX/22 about an inaccuracy on my credit report. There is a collection that was paid off, but Experian is reporting it even though there's an agreement with the original creditor to delete once paid. The account they are reporting is also a violation of HIPAA. Unauthorized inquiries are being reported by all 3 credit bureaus. Please delete the inaccurate account and unauthorized inquiries. The letters that were mailed are attached listing the items to remove. The collection account to remove is XXXX XXXX XXXX XXXX the account number is XXXX. Please reference the attachments for the unauthorized inquiries.
Product: Credit card or prepaid card

Further to my Complaint no. XXXX and the Company 's Response, I reiterate that I applied for the card under the promotional offer by clicking on a link to the offer. Although the welcome bonus offer was described in the terms and conditions and an additional disclosure before I applied for the card, American Express should have either denied my application or informed me that I was not eligible for the offer at the time of approval of my application. Amex did neither, and made me believe that I never had a similar card in the past and that I was eligible for the offer. Only after meeting the offer requirements and demanding the bonus, Amex told me that I previously had a similar card. It is clear that Amex was not fair in communicating with prospective customers.
Product: Checking or savings account

I had a transaction posted to my account on XX/XX/XXXX for {$11.00} and a second posted for {$22.00}. I was charged and overdraft fee for both transactions although there was enough funds for the first transaction. When I called Chased the rep stated, that because it was pending they posted the second transaction first. They refused to reverse the overdraft fee. 
I made another another transaction on XX/XX/XXXX for {$20.00} and {$21.00}. At XXXX on XX/XX/XXXX I made a deposit so I wouldn't be overdraft the next day ; but I woke up to notifications from Chase for two overdraft fees. I called them, and I was told that I had until XXXX to make the deposit. What's the point of this overdraft fee if you can't go until XXXX? It was never like this before. I have used their overdraft numerous times and I was not charged an overdraft fee. Now my account is still overdrawn
Product: Credit card

I consolidated some credit card debt at fifth third. I opened 2 accounts, 1 credit card and 1 loan. We agreed that payments would come out on the first of each month. I checked my account and they have been charging me late fees every month stating that the money is due on the XXXX. Why would they set up automatic payments for me to have them paid late? I made payments every month at the agreed time ( the XXXX ) on time and they won't waive the late fees. I had not been checking monthly statements and did not notice these late fees until a couple weeks ago because I had automatic payments set up and I was making sure I was paying them. I tried to call and have the problem fixed and the charges reversed but they refused. They were very deceptive in allowing me to set up automatic payments 2 days after the due date every month. What kind of person would set up payments like that? They were being intentionally deceitful.
Product: Debt collection

This company was included in my XXXX  settlement and decided to put the account back on my credit report as debt owed
Product: Payday loan, title loan, or personal loan

I received a payday loan with easy money in XXXX Alabama for XXXX dollars. The pay back amount was XXXX. The amount was to be paid back by the XX/XX/XXXX or it would come out of my account. The transaction appeared on the XX/XX/XXXXof XXXX and my bank contacted me to approve the transaction, which I did and it posted on the XX/XX/XXXX. XXXX was deducted from my account. I assumed the debt was paid. I'm XX/XX/XXXX, I began to receive voicemails and letters stating that the debt of XXXX was owed. When I asked about the amount, I was told " that's the amount I would have to pay ". No explanations. I continuously contacted the cooperate office and received the most unprofessional treatment. Today ( XX/XX/XXXX ), I finally spoke with someone who seems unsure of why the balance remained when it shows that it's been paid, but insisted I pay the remaining XXXX dollars. When I refused and asked what the XXXX dollars was for she refused to give an adeqaute explanation. She repeatedly stated that the XXXX dollars was assessed because the records show the payment was not made until the XX/XX/XXXX and that the payment takes days to post. I understand that transactions take a few days to post but she stated their system takes 7-10 days. I don't understand how I am being charged a fee when their system is why the fee is assessed and when I asked this, she raised her voice at me and hung up. When I called back to speak to a manager the person hung up before I was connected. I'm really disappointed in this company and outraged considering I've paid my debt and they're trying to collect more funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting ( 30 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was paid in XXXX, 2019 and the lates are reporting in XXXX, 2019. Please keep in mind that it is impossible to have late payments on an account that was paid off a month prior. This incorrect reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the item in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my Credit Report : XXXX XXXXBalance {$0.00} XXXX XXXX-XXXX-Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Agencies correectly report charge- off ( re disputed insurance claim ) XX/XX/XXXX Where they fail to comply with FCRA and other state and federal law is in showing activity on the account ( sometimes current or late payment, and or repetition of the charge- off info falsely showing as occuring in current month ) after the date of the charge- off NOTE : This is NOT a duplicate of previous CFPB complaints filed against the creditor, XXXX. This is also NOT an authorization for agencies to pursue this through their creditor dispute procedures. The agencies are specifically directed NOT to pursue this with the creditor. The dispute and complaint is NOT with the creditor, XXXX, but with the agencies- Experian , XXXX and XXXX XXXX .
Product: Credit card or prepaid card

Please find the attached document supporting this issue. I had a credit card that ended up with Bank of America in the end, it was with someone originally. This was in XXXX. Fast forward to XXXX, I received a 1099 C 12 years later. I called B of A and they told me that the last payment I made was in XX/XX/XXXX. They also stated tha the file was closed on XX/XX/XXXX. I wrote a letter asking not to amend the 1099 C but to rescind it under the Internal Revenue Bulletin 2016-48 T.D. 9793. That document is attached and from the IRS web site. 
It has the old rules which are that there was a 3 year rule that the 1099 C were to be issued 36 months after the last payment. The new rules which I believe they are using eliminated the 36 month last payment rule in the IRS bulletin. Please see the attached ruling has the old and the new rule. Someone at B of A that sent the letter was not versed in this complicated issue. 
I under the old rules I should have received that 1099 C years ago not 12 years later and the company using new rules. It is hard to be up to date on old rules but this is what my particular situation. I have done my research. Had I got the 1099 C back when I was suppose to I could have excluded this from my income base and the fact the the IRS allows and exclusion based on insolvency. I was at that time.
Product: Debt collection

Toyota Financing still has a XXXX XXXX XXXX balance owed that needs to be closed out. 
I am requesting written confirmation that this has been closed as it violates FCRA laws.
Product: Debt collection

Conns has stated that I owe {$4100.00}. This amount is inaccurate. I filed a claim with the FTC that Im a victim of identity theft. Conns has not attempted to help me resolve this issue.
Product: Checking or savings account

As of XX/XX/XXXX my accounts have been locked unable to close access any payment method for fifth third credit card or any withdrawals from savings account which holds {$1500.00}. I owe XXXX or nothing have paid off any loans always in good standing. Fifth third made a check available in my savings account before it cleared and then dispersed monies to me thinking that there were funds available. I then notified them that there were not that the check didn't clear. Brought the account in good standing that day. They still refuse to release my funds from my checking account it's been over 30 days now they're breaking federal laws and they're also refusing to let me close my savings account and credit card account. I have no access to anything with fifth third and they're holding {$1500.00} of funds for no reason.