23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a XXXX business credit card issued by my bank. I have an advertising relationship with XXXX for services on their site. I cancelled that account in XX/XX/2024. I discovered while reconciling my statements they continued to take money out in XXXX and XXXX. Their reasoning is that I had not jumped through all of the hoops to cancel the account. I was unaware of these hoops. 

I contacted the card issuer and they said they can not stop XXXX ability to charge on my credit card, the best they can do is file a dispute. I did file the dispute. They said I would have to contact XXXX to find out why they are able to continue taking money after I cancelled my account with them. 

My concern is that I did not have the control over my credit card to decide who continues to have permission to receive payment this way. I have many other vendors ; utilities, streaming services, etc. that I use my credit card to pay with autopay. When I change credit cards I have to supply the new number to those companies for them to continue to receive payment that way. 

That wasn't the situation with XXXX. I have had to change my credit card many times over the past few years, typically due to a fraud situation. I never had to supply XXXX with the new number. They were able to continue taking the payment regardless of how my card changed. 

I don't understand how that is legal and that I don't have control of my credit card.
Product: Credit reporting or other personal consumer reports

I moved out of state for almost 3 years due to splitting with my ex girlfriend and I allowed her to live in my apartment while I was gone as long as she agreed to pay the rent. I thought I was being mature about the break up, a gentleman, which I later realized I made the dumbest mistake thus far in my life. She had access to my personal email, which she knew I never checked, she had call forwarding on my cell phone which she knew Id never answer 1-800 numbers or private calls.. I just had two major deaths in my family not long before the move. I feel like a complete XXXX after realizing she fraudulently opened credit cards under my name without my consent. 
She opened : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Prior to me coming out of deep XXXX, not only from the lost that I suffered from but from the break up.. I was threatened by her and her family and lied to by her she denied ever opening the accounts until her best friend admitted to me that my ex girlfriend told her the truth. When I moved back to nyc officially late 2023 I came back to my apartment being torn to shreds. I my took allot to have her moved out of my apartment. I contacted police authorities and explained the credit situation and they told me It was a civil suit that had to be filed and denied arresting her. She was charged with throwing bleach on me and destroying my apartment the day I returned after she was warned about having to leave. She broke TVs and thrown bleach on all my property and myself. Luckily no bleach got in my eyes. Im a good guy whos always pride myself in having great credit and I loved this girl. I learned the hard way about her prostituting online and when she admitted what she did I still was in love with her and was hoping I can change her. Thats the reason I allowed her to stay in my apartment, I genuinely felt bad for her and thought taking a break was the best idea for us. So now Im stuck with 4 charge offs on my account when prior to this Ive always maintained over a XXXX XXXX XXXX. I paid off a {$40000.00} car and personal cash loans. Ill never mess my credit up. Someone please help me. XXXX XXXX and shes XXXX and it seems like no one believes my story because I guess to the majority of the world the guy is always the bad guy and I swear this isnt the case here. Ive worked hard for the little that I do have, Ive never committed crimes and I try to live as righteous as possible. This has been effecting my life tremendously and I need these accounts removed immediately. Ive paid for legal services to help me fight it and I didnt get any luck, I was told contacting consumer finance would be my best option? Please help me. Im begging you, please. You you need her information I can provide her name and address and any other details you need, I know posting it in this thread wouldnt be the right thing to do but I would love for her to pay for this, I genuinely feel like the police officers Ive spoke to are XXXX from the way these dismissed me. I cant afford lawyers and I would genuinely appreciate anyone help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong person hands.
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOVERY Is reporting false information to the credit bureaus ( XXXX, XXXX and XXXX ). When disputed this information came back as being verified. 
Please provide me with validation of this account, as I believe this debt is not mine. 
Debt XXXX : {$1200.00} opened XX/XX/XXXX XXXX XXXX : {$3200.00} opened XX/XX/XXXX Debt XXXX : {$3200.00} ( duplicate? ) opened XXXX XXXX XXXX XXXX : {$3300.00} opened XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2020, I was at the XXXX XXXX XXXX XXXX mall when a couple scammed me out of {$700.00} after being told they would give me cash in return for a quickpay of {$700.00}, they proceeded to say they never got it and left, I told security and filed a police report with the XXXX Police as they left. I reported to the company about my issue and how stressed I was and all Chase did was say they couldnt help me. A company that I trust to open my bank account with could not provide the support for me, as I was scammed and robbed out of {$700.00}.
Product: Checking or savings account

On or around XXXX a purchase of XXXX money orders was made with cash purchased at FIFTH THIRD BANK XXXX XXXX XXXX XXXX OH XXXX. Days later I was contacted by 2 different apartment complexes, & they both said the money orders were no good. So I went back to the bank and got XXXX new money orders and the same thing happened. I reached out to the branch 1st by phone I was informed that they were still investigating. On XXXX I return ( FIFTH THIRD BANK ) to the same branch and informed the manager of the issue I produced the ledgers from the complex stating that the money orders were returned and that I was charged late fees ( {$850.00} ). she ( XXXX XXXX XXXX XXXX said she would further investigate. On XXXX I returned and requested further assistance and was told my only resolve was to contact XXXX number for customer service they could not help me, I returned to the branch to request a cashier 's check and she ( XXXX XXXX XXXX XXXX REFUSED to issue a Cashier 's Check. I asked for a written statement of why she couldn't or wouldn't issue a cashier 's check or a refund and was told that my only option was to wait 180 days for them to investigate the issue. I asked for a higher-up 's number or email she refused to give me anything but the XXXX number that was a 3rd party who didn't even know the branch number. As a result of the unresolved issue, my company accumulated several unnecessary late fees due to an issue that could have easily been resolved. Due to the High level of uncooperative, and willful attitude, I had to visit XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX XXXX XXXX XXXX OH XXXX, I was immediately issued a refund without question. XXXX XXXX XXXX XXXX had no clue about the unnecessary and strange protocol and said that those delays were not policies
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to resolve this matter with Equifax on numerous occasions to no avail, Since I am currently in a lawsuit with XXXX XXXX  for violations of the FDCPA, Equifax Is also liable under the provisions of 15 USC 1692k which is civil liabilities, and are also liable To the same amount as XXXX XXXX  is in this judgment, I have sent a Police Report, UCC 11, Affidavit of Truth, a FTC Identity Theft Report, and letter to Equifax with no response other than this account was validated. Equifax has shown no evidence of this or the method used To validate this alleged Debt, Equifax has ignored the State of Illinoiss Secretary of State Office And the City of XXXX Police Departments document as to this Identity theft report and has Still reported this account as verified accurate which is also a violation of the FDCPA laws of this State, as a Federally protected Consumer, I demand this matter be resolved and also to be compensated by EQUIFAX for this Infraction.
Product: Credit card or prepaid card

To Whom It May Concern : American Express has deliberately reported false tax information to the Internal Revenue Service and refuses to correct it. 

On XX/XX/XXXX, I settled a past due credit card debt with XXXX XXXX, the authorized collection agent of American Express.The total amount owed on the delinquent account was {$15000.00}. American Express agreed to accept {$3800.00} to settle the account in full. On XX/XX/XXXX, the authorized collection agent was paid {$3800.00}. According to XXXX XXXX at the American Express Corporate Office in New York, American Express received those funds from their authorized collection agent on XX/XX/XXXX. 

American Express was required by law to provide me a cancellation of debt ( XXXX ) form for the tax year XXXX, and that never happened. I requested that American Express send a XXXX correction to the IRS, which would completely resolve the problem. However, she refused, citing some ridiculous internal policy of holding a payment for 10 days after they receive it. 

However the policies of an individual corporation are irrelevant. The debt was legally settled in XXXX, and I claimed and paid the tax due to the Internal Revenue Service for XXXX. American Express decided to willfully ignore that and sent deliberate, erroneous information to the Internal Revenue Service for tax year XXXX, knowing that this information was false. 

XXXX XXXX utterly refused to provide a proper explanation as to why they American Express would not correct this, other than to say " they just won't do it '' or words to that effect. Now, I am left to deal with the mess that American Express has caused me, despite the assurances of the American Express authorized collectors telling me that the XXXX form would be issued for tax year XXXX. 

What astonishing is the simplicity of correcting this issue. The only thing that American Express has to do to correct this is send a XXXX correction form to the IRS. They refuse, and this problem still exists. Not that it matters, but I am a XXXX XXXX veteran trying to do the right thing and file proper tax forms, but American Express doesn't care. 

In addition to the complaint to the CFPB, I also intend on filing a complaint with the Federal Trade Commission, State of Texas Attorney General 's Office ( Division of Consumer Protection ), Better Business Bureau, XXXX XXXX XXXX XXXX, as well as other federal and state agencies regarding the apathetic business practices of American Express.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXXXXXX Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX **** Balance Owed : {$7000.00} ; XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00}.
Product: Credit reporting

Equifax previously made changes to this account and without merit, please see the associated case number. 

Equifax is making changes to my credit report without any trace-ability, and failing to publish or notify me of their decision to continually and manually, update my record. 

As a result of Equifax updating this account, the ACCOUNT TYPE has become inaccurate. 

1. This is a XXXX XXXX - XXXX Account - Credit Card. 
2. Equifax updated this to be a XXXX Card, and with no substantiation3. Attached is the screen shot of the before, and then after state of this account4. Changes ( including changes to text and the account type XXXX have been made by Equifax1. Equifax, please revert this account back to it accurate assignment for the ACCOUNT TYPE2. Any Changes to this record, please respond in line with FCRA and send me by way of XXXX XXXX Mail, such results/reasons for your change.
Product: Debt collection

Toward the end of XX/XX/2020, I called GreenSky to settle an account that I owed {$300.00}. This was for a Rooms to Go account. They agreed to legally settle and update the account status to legally settled for {$160.00}. They accepted the funds, and reported to the credit agencies that the debt remains. On XX/XX/2020, they emailed a misleading pay off letter stating that they forgave in excess of {$600.00}, and the debt remains.
Product: Credit reporting

Transunion had a glitch on XXXX, 2016 and due to this a total of XXXX inquires are now back on my credit and has lowered my score by XXXX points. I called to speak with the special handling department at XXXX to advise and I was told that yes there was a issue ; but they are not able to HELP., Are you serious? Come to find out, the outsource company did not transfer me, they put me on hold and got someone else from the same department.
Product: Checking or savings account

On XX/XX/23 I created an account with chase in order to deposit a portion of my settlement check of {$18000.00}. The next day XX/XX/23 I was able to withdrawal {$5000.00}. On XX/XX/23 I was told that my account was closed due to chase not being able to verify my check. My check has been cleared and technically cashed already. This is how I was able to withdraw {$5000.00}. On XX/XX/23 chase sent out a check after closing account, that got sent back to them. Now they refuse to release anything at all. For 4 months I've been going back and forth with my attorneys, chase, and issuer of check. The conclusion chase is the only one at fault and who holds the key to my funds. Chase refuses to release the money to me or back to the issuer because they " can not verify with the issuer of the check '', who happens to bank with chase. Chase refuses to call any numbers I forward them from the XXXX XXXX or the number printed right on the cashed check. They only verify through " their '' system. It been 4 months and I've been homeless for 2, due to the eviction I received stemming from this situation. This whole ordeal has taking a toll on my XXXX XXXX. Lastly, I can never open a chase account again.
Product: Credit reporting or other personal consumer reports

" XXXX, TransUnion, and XXXX are consistently enabling collection agencies to fraudulently place claims against me without any prior contractual agreement or commitment. ''
Product: Credit reporting

I was called by XXXX XXXX XXXX minutes ago saying someone tried to open a Credit Card using my Name/Social/DOB. They said they will remove the inquiry from my credit report. But I see on my Credit report that I have XXXX more inquiries in the last few days that are also Fraudulent. I put a Fraud Alert on my Credit but need these XXXX inquiries removed from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act, XXXX XXXX account # XXXX has violated my rights. 


15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, 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 Repossessions {$5400.00} Proper resolution must take place, and you must also accept that my dispute is valid unless otherwise you have supporting documents to counterattack my said disputes. These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. Im carefully tracking all correspondence with your company.
Product: Credit reporting or other personal consumer reports

There is a credit card that I did not open with Synchrony Bank for XXXX XXXX. I am contacting them once they open up their customer service. I will immediately close the account that is under my name. This I know will impact my credit score. I am writing because this is fraudulently opened in my name. I am closing the account and does not want my credit score impacted doing so. Please help with this.
Product: Credit reporting or other personal consumer reports

Duplicate inquiry from XXXX from Bank of America still is not removed as of XX/XX/. They said they would remove it within 90 days. Please remove it from my credit report per the attached letter you sent me.
Product: Debt collection

I can confirm that the response provided by UCB does not meet the legal standard for a debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. When a consumer disputes a debt and requests validation, the debt collector is required to furnish specific and detailed information to verify the legitimacy of the debt. This must go beyond a mere statement that the debt was substantiated previously.

In accordance with the FDCPA, the debt collector must provide : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. Detailed verification, which may include account records or supporting documentation showing that the debt is legitimate ; 4. A statement of the consumers rights, including the right to dispute the debt within 30 days of receiving the notice.

Merely stating that the debt was previously substantiated is insufficient under the law. UCB must provide detailed documentation or verification of the debt in response to my request. Without such information, the debt can not be properly validated, and UCB would be in violation of the FDCPA.

As a consumer, I exercised my rights under the FDCPA, 15 U.S.C. 1692g, by requesting proper validation of the debt from UCB. In response, UCB merely informed me that substantiation of the debt was mailed on XX/XX/2024 but failed to provide any supporting documents or the legally required information, such as the amount of the debt, creditor details, or any other verification. This response does not fulfill the requirements of the FDCPA. 

I respectfully request that UCB either provide the proper debt validation as outlined in the FDCPA, or remove the debt from my credit report and cease all collection activities until they comply with their legal obligations.
Product: Other financial service

Certegy XXXX XXXX has a file of my name and an account with a business that I have been informing them since XX/XX/XXXX that account was under fraud and not mine but still they did nothing to resolve this but hold this account to my name and lowered my credit score each month for an account that is not mine. I contacted them today XXXX they now state I owe XXXX and they are charging me XXXX for check return fee, the account was found to to now be mine from the start, so why have they not removed this account and so I am asking for help on having this removed they have taken from my credit score for over 7 years now.
Product: Debt collection

Midwest Recovery Systems attempted to ding my credit by reporting to the three credit bureaus that I owed money on a payday loan. When I requested for said proof, they never provided. Therefore, they agreed to remove tradeline off my credit reports. And they did, for XXXX only. 

The negative tradeline still shows on XXXXn & XXXX. Therefore, I request that they remove those negatives items, just as they did on my XXXX  report. Therefore, I resubmit once again a complaint for them to do right. I should not have to complain with the CFPB every month to take care of this, this should have already been done. Thank You
Product: Credit reporting or other personal consumer reports

I asked the credit bureau to delete the record of the debt to the collection agency, which does not belong to me, to which I received the answer that the debt was verified and belongs to me, which is not true. The collection agency has evidence of the debt, only a form filled out by hand and a photocopy of the Russian passport. With only this evidence, the collection agency thus confirms my debt. That is, confirmation of my debt is a handwritten application and a Russian passport.