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

I noticed that Recently a company that I have never had a contract or account with has been added to collections on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting fraudulent accounts on my credit report thereby making me further susceptible to future attacks. For example, accounts such as Tennessee XXXX XXXX XXXX which has been deleted by XXXX after investigation determined it was a fraudulent account is still being reported by Equifax. 

Please see attached documents
Product: Checking or savings account

Date : XXXX  Amount : {$1000.00} A XXXX transfer was done on my account which was a scam. I notified my bank and I was told that XXXX transactions can not be reversed and i was unable to get my money even though it was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct XXXX XXXX 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Transunion, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit Reporting Agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking the time to read my complaint.
Product: Credit card

American Express is committing security fraud against me the aggrieved party the secured party and I have proof in their own words on their SEC filings in their 8-k form, 10-k form, and their Indenture Trustee agreement they have with The XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. How American Express turned both my credit applications into securities and are trading them on the secondary market without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported my account closed due to chapter XXXX wage earner plan on XX/XX/2019. I filed a dispute with Equifax and XXXX  on XX/XX/2019 and they both claimed negative information is correct. I called XXXX MasterCard directly on XX/XX/2019 they told me they would open an investigation and for me to call back in 7 to 10 days. I have never filed bankruptcy or missed a payment!
Product: Credit card or prepaid card

I enrolled HOME CHEF rewards at AMEX Platinum. The offer is spends XXXX dollar at homechef for get XXXX $ credits back, it can get up to three times. I spend {$160.00} in total from XXXX 2021 to XXXX 2021. I also received the email from AMEX on successful redeemed the offer. However, I still do not received anything till XXXX. 

Usually, the amex rewards is very fast and only take 1 day. 

I did call the AMEX agent around XXXX month end, but the agent only confirm the offer and can not provide an exact date due to the technology issues. 

I chat with AMEX on XXXX again, the first agent confirmed the offer but also mentioned a tech mistake related to rewards. He suggest me check back in XXXX business day and mentioned that he can not issue the credits although he confirmed the rewards. He escalate the issue to the supervisor XXXX. The second person XXXX is very rude and slow. He start to questioned about the qualifications of the rewards, he is concerning whether I am qualify for the offer. He copy the terms ago and said I only spend XXXX $ each time. However, I received the email from AMEX for the rewards and the agent I spoke with both confirmed the eligibility of the rewards. The supervisor seems not knowledgeable enough to qualify as a supervisor. He also does not willing to issue the credit to me today although the offer is already passed for 1 month. 

I am confused and feel very unhappy about the supervisor 's behavior and client management responsibility. He does not have enough business knowledge about the credit card rewards term also try to make excuse to the clients and even misleading the clients. I already marked two reminders in my calendar to reminds reach out to AMEX. Both two agents suggest me contact back AMEX in 3-5 days instead of provide credits immediately. It create tons of work and inconvenience to the clients. I have to remind myself for the unpaid credits rewards from AMEX. 

I am requesting AMEX to issue the credit back to me ASAP and make apologize for the inconvenience as well as the very rude, and unprofessional behavior for the " supervisor ''.
Product: Debt collection

On XX/XX/year>, I was turned down for a loan that would have allowed my spouse, XXXX XXXX to undergo potential lifesaving XXXX experimental XXXX treatment at MD XXXX. I have had perfect credit my entire adult life. With a XXXX XXXX XXXX, I reached out to the credit reporting agencies. I found a collection on my credit which lowered my score XXXX points. The collection was reported by Conserve Collections. First, I have never received a letter nor a phone call or email from Conserve. A letter, phone call or email is required under the FCRA. Second, I had no idea what the debt was for and disputed the debt. I discovered the debt is from XXXX XXXX XXXX XXXXXXXX. The debt as reported is not an amount I owe, moreover, under the Colorado XXXX, all student debt is in forbearance until the XXXX is complete. I do not owe this debt, the debt is proven to be the wrong amount of any tuition I would have had and I was never notified of any collection efforts by XXXX or Conserve Collections as is required by Federal Law FCRA.
Product: Debt collection

Dear CFPB Representative, I am writing to formally submit a complaint regarding Discover Bank, who has failed to send me a copy of the 1099-C form for the charged off amount of {$2700.00} XX/XX/2024. Additionally, Discover Bank is attempting to sue me for a debt that they have already charged off, which I believe constitutes multiple violations of relevant laws. 

XXXX XXXX XXXX ( XXXX ) XXXX : This statute requires creditors to report the cancellation of debt, including the obligation to issue a 1099-C form to consumers when a debt of {$600.00} or more has been canceled. 

Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from engaging in unfair or deceptive practices, including the collection of debts that have been charged off. Specifically, it is a violation of 15 U.S.C. 1692e ( 2 ) ( A ) to falsely represent the character or legal status of a debt.

Consumer Financial Protection Act ( CFPA ) : Under the CFPA, any unfair, deceptive, or abusive acts in connection with the collection of debts are prohibited. Attempting to collect on a debt that is charged off raises concerns under this legislation.

The combination of the failure to issue the 1099-C form and the unlawful attempt to collect on a charged-off debt not only jeopardizes my financial standing but also raises serious concerns about the legality of the practices employed by Discover Bank. These actions may indicate broader issues of fraudulent business practices and consumer rights violations.

I kindly request that the CFPB investigate this matter and take appropriate action, as it affects not only my financial well-being but may also impact other consumers facing similar issues.

Thank you for your attention to this important matter. I look forward to your prompt response.
Product: Credit card or prepaid card

Hello! 

I have actively closed my CitiBank AA credit card more than 5 different times. I have been told, more than 5 times that the account has been closed. The first time I closed the card, the payed the entire amount and the balance was XXXX. YET - despite the account being closed, citibank allowed a XXXX subscription of {$4.00} to get billed ( they should have declined the bill ) and I continue to get statements for this card. The XXXX dollars was removed about a month ago after I was on the phone for over an hr an 4th time expressing my frustration and being affirmed that the account was closed and it was a mistake. Now- A month later, I got a bill for {$0.00} yet an available credit of XXXX **because the account is closed. 

Like I said- I have called 4 separate times and each time been told the account is XXXX and that the account is closed. Clearly - this is not the case. For the record, it is enraging and unethical that before I can speak to a live person, Citibank drops my calls at least 2 times and each call with them takes over 1.5 hours. 

Basically, the issue is that CitiBank lies to me every month that my account is closed, and continues to keep it open with just a few cents or a couple dollars that should never have been put on the card in the first place because the charges occurred AFTER the account was closed.
Product: Credit reporting or other personal consumer reports

Hello, I have requested for a 1099c form from the original creditor XXXX XXXX  which they denied and stated they could not find my account by my social security or birthday. From my knowledge the creditor is supposed to provide the 1099c form after placing the account under a written charged off account. Not only that, the creditor is updating my credit report agency XXXX XXXX and Experian as Charged off repeatedly every month which is false information that ' falls under the law of 15 U.S.C 1681. The account been closed since XX/XX/XXXX. However, the Charge off is still reporting across the board as a late payment as of XX/XX/XXXX as if the loan been charged off every month.
Product: Checking or savings account

On XX/XX/XXXX, I tried to use my DCU debit card at a local store, but it was declined. I found out that the card had been locked for the past 6 months. 

I was surprised to find my card still locked after discussing my account activity and reactivating my full banking services following a rejected check. I never received any notification by mail, email, or through my account message box indicating that my debit card remained locked. 

So, I filed a complaint with them, [ Complaint ID XXXX ], And got an answer from them ( See attached ) Here 's what they're writing : " I am sorry to hear about this situation and will be happy to clarify what transpired. 

You deposited a check online for XXXX on XX/XX/XXXX... 

On XX/XX/XXXX, the check was returned to DCU. Our Risk Management Team blocked your debit card, called you, and left a voicemail to review the check details. You never returned their call, so your card remained blocked since XXXX. 
The agent you spoke with earlier today ordered you a new card ... '' The Problems with their response are : 1 ) It does not justify and even ignores the fact that I have not been Notified for " 6 MONTHS! '' 2 ) The line " You never returned their call '' Is not true! I have discussed this check with a representative of DCU and reopened my account to fully active, and again, NO ONE HAS NOTIFIED ME THAT MY CARD REMAINS LOCKED! After clarifying everything and reopening my account 3 ) It's not the only time they're hiding the facts about my money, On XX/XX/XXXX, I deposited a check for {$1500.00} with their online deposit system, which promises same-day availability, and DCU held it for review for 4 business days, but again, NO NOTIFICATION! Not in my account inbox, and not in my email, and not a Prompt on the screen at the time of deposit, not before, and not after. 

I dont see any benefit in reporting this problem to them, as they are already ignoring their mistakes and providing false responses. They will likely continue to keep me in the dark about my money and account without any sense of guilt.
Product: Credit reporting or other personal consumer reports

I am writing to you to follow up regarding unauthorized inquiries that have been. 
reported on my credit report. Despite my repeated attempts to rectify this issue, the unauthorized inquiries remain unresolved. Furthermore, the presence of these inquiries without my consent may constitute violations of the Fair Credit Reporting Act ( FCRA ). 

I have previously submitted disputes regarding these unauthorized inquiries and have not received satisfactory resolutions. As a consumer, I have the right to authorize any inquiries made into my credit history, and any inquiries made without my consent are in direct violation of my rights under the FCRA. 

The continued reporting of these unauthorized inquiries not only affects my credit score but also undermines my privacy and security. It is imperative that immediate action be taken to investigate and remove these unauthorized inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I had concerns about the way Zelle handles disputes. The recent lawsuit by CFPB, confirmed the concerns I had. After using Zelle many times and reporting some discrepancies, I was told by my financial intuition and Zelle that they wouldnt investigate because it was shown I had sent the money myself even. They acted like they couldnt recover my lost funds or Track any transactions. They allowed for the system to be exploited and neglected to protect customers like me.
Product: Student loan

We borrowed {$20000.00} for my daughters tuition for the XXXX year at the XXXX XXXX XXXX XXXX. We were approved for the loan and the disbursement dates and amounts were determined between the lender and the school. I have attempted to change those dates and amounts to suit my borrowing needs and have been told I am unable to do so. This is causing me to pay significant interest for funds that are not needed. Since I am the party required to repay these loans, I should have control over the amounts and the distribution dates. Taking these abilities away from the borrower appears to fall under deceptive lending practices and needs to be addressed.
Product: Checking or savings account

I received a notice from Bank of America XXXX XX/XX/year> afternoon that my checking accounts are closed. I called the BOA agent and went to a local branch as well, the answer they gave me was that the closure was due to the business reason of the BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, someone applied for credit under my social security number with XXXX/XXXX XXXX. I called XXXX Card services and they say they have sent a request to have the inquiry removed but they refused to tell me any other information except that my name was on the application.
Product: Checking or savings account

Account Ending in XXXX : Transaction as Credit of {$3000.00}, which never was placed back into my account from XXXX XXXX claim # XXXX. On XXXX XXXX transaction in the amount of another {$3000.00} was taken out my account without my authorization putting my account back in an negative balance. Bank of America using the same claim number and not creating a new claim number when I called to talk to XXXX, ID # XXXX on XXXX XXXX @ XXXX XXXX. she gave me the same claim number for another transaction dispute done on XXXX XXXX in the amount of {$3000.00}, for XXXX again. I called XXXX  on XX/XX/2018 spoke with XXXX and stated that my account was hacked and confirmed the two transactions that I made with XXXX. XXXX placed an alert and merged my accounts together for me. I find that another transaction in the amount of {$3000.00} done on XXXX XXXX for an temporary credit adjustment for claim # XXXX, but was not issued on XXXX XXXX into my account. I have called several times to resolved the issue, but have not. It has been 5 months and account still the same. I felt that Bank of America discriminated, delayed responds, non-responsive, used inaccurate information, retaliated against me when I filed my complaint. Account ending in XXXX I had the same problems with on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Having an issue with last members alias And never loving in a certain area.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX ( account number : XXXX ) to request the removal of three late payments reported on my credit history, specifically in XXXX and XXXX of XXXX and XXXX of XXXX. Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.
Product: Credit reporting or other personal consumer reports

I have made several attempts to update and correct my credit file from XXXX, XXXX and Transunion and all attempts have been unsuccessful. The Credit Agencies are simply stalling my attempts for accuracy and not conducting any type of investigation into the concerns that I have raised. I have provided documentation, namely my Drivers License, Social security card and Utility bill along with direct means to contact me. They are constantly and consistently ignored. As a result I am being denied for credit, paying higher interest rates and losing career opportunities. 

I have sent these request in XX/XX/XXXX, received electronic confirmation that the investigation would not be conducted. Ive tried calling in with no success and have allowed over XXXX business days for some type of investigation to take place.
Product: Credit reporting or other personal consumer reports

I disputed this public record multiple times and TransUnion intentionally waits 30 days and provides a generic response that does not resolve the issue. TransUnion has had there 30 days to investigate and has failed to investigate properly. They no longer have the right to investigate a dispute that they said the investigated when they didnt. I also mailed a letter with certified mail along with supporting documentation from XXXX XXXX and XXXX XXXX XXXX  weeks ago and they have failed to respond or update the dispute on their website. TransUnion needs to remove/Delete the public record. All accounts that were associated with the pubic record needs to be updated to zero balance, closed, paid as agreed never late. 

I have been disputing for the last XXXX plus months. Please help me. This is beyond stressful and financially harming. 

Thank you.
Product: Debt collection

I was contacted in XXXX by XXXX XXXX via phone regarding a past due medical debt to XXXX XXXX XXXX in XXXX, KS they claimed I owed from XX/XX/XXXX. The only information regarding this company I have is their phone number, XXXX, although XXXX lists their address as XXXX XXXX XXXX XXXX, XXXX, DE XXXX, XXXX ( see below ) could not provide that information so it is not verified, just their phone number. I was not seen by that facility in XXXX, although I did call them to verify this as I knew I could have been mistaken. I called XXXX XXXX back and explained this was not my debt. The agent refused to believe me and rudely told me something along the lines of 'Then how did they get your information '. For clarification I've been a patient at that hospital several times, the first being in XXXX. I have never received anything in the mail or in writing from XXXX XXXX, could not get them to give me their address, and had not heard anything since then from them. 

Today ( XX/XX/XXXX ) I received an alert there was a collection on my credit report from a company named Commonwealth Financial. I have not received any previous communication from this company. I called the number listed at XXXX ( XXXX ) and was told their creditor was XXXX XXXX. When I asked why they had not previously contacted me before placing a collections report on my credit reports I was told they tried to email 'The address they had on file ', which was an email address that is not mine. I explained this was not my debt and their customer had been told this was not my debt, and told them I wished to dispute the claim. 

Commonwealth Financials ' information is XXXX XXXX XXXX, XXXX XXXX, PA XXXX I would like to report both agencies, XXXX for XXXX hiring a second company to mask an attempt to collect a debt they were aware was fraudulent, and Commonwealth for filing a collection on my credit report without contacting me prior or providing any invoice or statement. Claims they don't have my contact information are obviously false as their customer has contacted me previously.