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

I am filing a formal complaint against AMEX regarding inaccurate, misleading, and unlawful credit reporting practices in violation of the Fair Credit Reporting Act ( FCRA ). I have identified multiple discrepancies on my XXXX credit report, specifically related to a charged-off account ( Account Number : XXXX ). The issues detailed below demonstrate clear violations of federal credit reporting laws and n

ecessitate an immediate resolution. I have tried disputing this item and it is still listed on my credit report with inaccurate information. 1. Repeated Charge-Off Reporting Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) A charge-off is a one-time event, yet AMEX is incorrectly reporting it every single month , as shown in my 24-month payment history.

This practice misrepresents the actual status of the debt and unfairly extends the impact of the charge-off on my credit profile.

Under the FCRA, creditors must report accurate information. Repeated charge-offs violate the law by making it appear as if new delinquencies are occurring when the debt was already charged-off.

2. Inaccurate Balance and Past Due Amount Reporting Violation of FCRA 1681s-2 ( a ) ( 1 ) ( B ) AMEX reports a charge-off of {$2300.00} while simultaneously reporting a past due amount of {$1000.00}.

Once an account is charged-off, the past due balance should be {$0.00} unless additional fees or interest are contractually permitted, which AMEX has not provided proof of.

This false reporting damages my creditworthiness and constitutes deceptive credit reporting practices.

3. Failure to Accurately Update Account Status Violation of FCRA 1681s-2 ( a ) ( 2 ) The charge-off status update in XX/XX/2024 should reflect a single event, yet AMEX continues to update the reporting as if it were ongoing. 
The inaccurate and continuous negative reporting misrepresents the accounts actual history and artificially lowers my credit score.

Under the FCRA, information must be updated accurately and not be misleading, which AMEX has failed to do.

4. Re-Aging of the Debt Violation of FCRA 1681c ( a ) ( 4 ) By continually reporting charge-offs as if they are new each month, AMEX appears to be illegally " re-aging '' my debt. FCRA regulations state that negative information must be removed after seven years from the original delinquency date. By failing to provide clarity on this date and continuing to update the charge-off status monthly, AMEX is in violation of the law.

I am requesting that the the CFPB investigate AMEX for these violations and take corrective action. Specifically, I demand : Immediate removal of this account from my credit report due to unlawful reporting practices.

Assurance that AMEX will comply with FCRA regulations moving forward and prevent further harm to my credit profile.

If AMEX does not comply, I will escalate this complaint to : The Federal Trade Commission ( FTC ) www.ftc.gov My states Attorney General for deceptive and unfair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I received a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Credit reporting or other personal consumer reports

Some information in my report is incorrect and that's not accurate
Product: Debt collection

On XX/XX/XXXX I received a voicemail from a XXXX XXXX with XXXX XXXX that they were trying to collect on a debt. 
I returned the call on XX/XX/XXXX and explained to XXXX XXXX that the account at TD Bank was a result of identity theft, and that evidence of that was already provided to TD Bank. 
I also explained that since TD Bank had not removed it I had filed a CFPB complaint against them. 

On XX/XX/XXXX XXXX XXXX called my ex-daughter in law in Virginia, saying they are trying to get contact information for me, when in fact XXXX had already spoken with me. 

I don't know if or whom else that may have been speaking with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the fair credit reporting act this creditor has violated my rights u see 15usc1681 section602 states I have a right to privacy 15usc1681 sec 604 a sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under an open an consumer plan as late for any purpose XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am trying to get corrected
Product: Credit reporting or other personal consumer reports

I Dont recognize this hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX I attempted to withdraws money from an ATM at XXXX XXXX at XXXX XXXX, MD. I put all my info in the ATM and requested {$200.00} plus the XXXX fee, so total was {$200.00}. It then told me : '' Your transaction has been cancelled, please take your card. I waited a few seconds wondering what happened and waiting for a printed receipt that never came. I walked 10 steps to the ATM machine behind it and got my money, unfortunately I got charged for both transactions and when I contacted my bank I had a dispute filed. When they said it was 13 minutes between transaction which is impossible because I actually walked 10 steps and then XXXX said I received the money they ended the dispute and said it was my fault. 

I did escalate the dispute, but I'm sure they will say the same thing. 
On my PNC bank app, it shows the 2 transactions labeled as : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MD. 

I was told they would contact me in 48 hrs which as I write this is 24 hrs. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( 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 ; by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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
Product: Vehicle loan or lease

My husbands payment to XXXX was late in XX/XX/XXXX. We set up a payment arrangement to keep the account current which was 5 consecutive payments that would be the regular payment and the late payment in installments. The arrangement was to be due and paid the 1st of each month. All five were made on time. They reported each month as late. I inquired and the rep told me I should have made the payment a day earlier for it to not be considered and reported as late. I informed them that I was NOT given this option when my husband and I set up the arrangment. They continue to report XXXX XXXX XX/XX/XXXX as late and it is the sole item on my report keeping me from qualifying for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name US DEPT OF EDXXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have right to privacy 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer 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 know or has reasonable cause to believe that the information is in accurate. 

The response on XXXX for 60 days of completeness is not correct the company has 5-30 days for completeness 15 U.S. Code 1681i - Procedure in case of disputed accuracy W15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. C The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances. 
r reseller. ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer
Product: Debt collection

Because of a security breach, I have a credit report monitoring program. I was notified recently of a new item on my report. It was a collection notice lodged by Commonwealth Financial Systems , Inc. located in XXXX XXXX, Pennsylvania. I contacted Commonwealth and was advised that a woman using my name, my date of birth and my social security number had incurred charges in the amount of {$530.00} at the emergency room ( XXXX XXXX XXXX ) at XXXX XXXX in XXXX on XX/XX/XXXX, for her minor child XXXX XXXX. Based upon that information, and believing I was a victim of identity fraud, I filed an incident report with XXXX XXXX Police on XX/XX/XXXX. It is incident report number : XXXX. I also filed an identity theft report with the FTC- # XXXX. 
I was able to contact a XXXX. XXXX XXXX, in the financial office at XXXX XXXX. ( Her contact is : XXXX. ) She was able to locate the account in question. She advised that the person who had incurred the charges was an XXXX XXXX XXXX and that no date of birth, nor social security number had been provided. XXXX XXXX also had an address on XXXX XXXX in XXXX XXXX. Finally, XXXX XXXX indicated that she has seen this happen many times. A collection agency will find someone in the geographic vicinity with the same or similar name and implement collections against them. Needless to say, I was not the victim of identity fraud committed by this woman, but was the subject of unscrupulous practices by this collection agency. Commonwealth did  not take any effort at all to confirm the identity of the debtor, they just placed the derogatory information on my credit report. While this may be no big deal, if they are doing this regularly, they should be stopped.
Product: Credit card

XXXX. XX/XX/XXXX I applyed for US Bank Skypass Select Visa Card in response to its letter of offer : XXXX XXXX XXXX XXXX, {$250.00} XXXX XXXX with {$450.00} Annual Fee with {$5000.00} spending - approved on XX/XX/XXXX XXXX. XXXX -- I spent the total of approximatly {$7000.00} and made the XXXX payment of {$4000.00} from my Employer 's business bank account on XX/XX/XXXX. ( remaining {$3000.00} was paid a few weeks later, this time I paid it from my personal bank account ) XXXX. XX/XX/XXXX -- I received a letter from U.S. Bank dated XX/XX/XXXX, stating that my credit card account was closed because they did not know whehter I am the authorized agent for a Demand Deposit Account ( DDA ). The letter also stated that I can call them with the document showing that I am the authorized agent of the account ( Employer 's Business bank account where I am registered as an authorized signer ) XXXX. XX/XX/XXXX -- I called US Bank CS and was told to fax any document, So, I faxed XXXX  XXXX XXXX letter showing my name as an authorized signer of the XXXX on XXXX as they requested. 

XXXX. XX/XX/XXXX I called and was told that I was supposed to fax in the copy of Bank statement of the DDA for verification, which was not a part of their instruction last time I called. 

XXXX. XX/XX/XXXX I faxed the bank statements as requested. No response. 

XXXX. XX/XX/XXXX I called and was told that nothing can be done and to open a new card and start again to receive the bonus. Although I have provided everything they requested to verify that the payment was drawn from a bank account where I have the authority to draw as the credit card payment, U.S. Bank did not change its decision.

10. In conclusion, U.S. bank charged {$450.00} annual fee and I lost one hard pull of credit history, XXXX Korean Air miles that I deserved and other credit card benefits. I believe that the course of U.S. Bank 's proceduire seriously deprived me of an opportunity to even attest, argue and finally receive what I was entitled. 11. US Bank accepted the payment anyway while they
are worrying about the DDA is not the right to make the payment. The US Bank 's purported concern and steps to protect associated parties do not appear anywhere here where they accept payment and refuse to give me what I would have received in return based on their credit card offer. It is an unacceptable practice of business from greed alone.
Product: Credit reporting or other personal consumer reports

submitting a complaint regarding inaccurate information on my credit report provided by Experian. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # 1 : Account inquiry date : XX/XX/year> Description : not mine I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies. 
2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 
3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 
4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. 

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.
Product: Credit card

Citi bank shared my credit card number to a company without my consent. Apparently this can be done automatically without the consent of the card holder Unless the card holder puts a do not share in place. I was not aware of this as XXXX sure many cardholders are not. Why on earth would this be allowed with all the credit card hacking that is prevalent. I have put a XXXX not share protection in place with Citi as they gave me the option to do so. In my opinion the XXXX not share should be Standard operating procedure!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX  XXXX COLLEGE/XXXX-XXXX  XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX Has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX XXXX Has violated my rights XXXX  XXXX XXXX XXXX Has violated my rights Chapter XXXX Bankruptcy 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 an account without my written instructions. 

16 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 items 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, JPMCB CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Prepaid card

I received a payment in the form of a prepaid gift card for participating in an opinion survey. The XXXX prepaid e-gift card was issued on XX/XX/XXXX in the amount of {$170.00} by XXXX ( now called mypaymentvault ). I used the card twice XX/XX/XXXX for {$39.00} payment to XXXX and on XX/XX/XXXX for {$2.00} to XXXX XXXX Register. I attempted to use the card on XX/XX/XXXX at XXXX establishments and both were declined saying card was expired. This is less than 7 months after the card was issued to me! That means I am losing {$130.00}. Forfeited! Who gets to keep this money? Seems like a scam that a company can keep money with no reminder of an expiration date. I was asked for identity information when the card was activated. There is no reason a reminder or final check issue could not be made. Even if a small fee were assessed that would be more ethical than a company taking possession of unused funds, essentially stealing money from consumers. Fraudulent!!