23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XX/XX/year> Capital One advertised a merchant offer of XXXX miles ( rewards currency ) if I signed up for a free trial with XXXX. On XXXX XX/XX/year> Capital One confirmed that I met the terms of the offer and awarded the miles to my rewards account. On XXXX XX/XX/year>, Capital One revoked the associated miles without explanation or notification. When I called Capital One to express concern, customer service could not articulate why the offer had been revoked other than to blame the merchant. Capital One repeatedly stated on the phone that I had to make a purchase to qualify for the offer notwithstanding the clear offer terms that a free trial was sufficient to qualify. The actions of Capital One and XXXX in this case are in clear conflict with federal law which requires that marketing offers not be deceptive.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I live in XXXX and work as a XXXX XXXX. I wanted to do e-commerce for the side hustle and I wanted to open an account with XXXXXXXX XXXX XXXX. I tried to open it by myself but my application got rejected. So I went to XXXX. since there are a lot of freelancers who help open accounts. So I message one person on XXXX  to open XXXX XXXX XXXX account. In the beginning he told me to send him {$400.00} dollars to start the process. I sent {$400.00}. After sometime he messaged me saying that I need two softwares and each cost {$200.00} for the store that's necessary. After sometime he says I need to deposit {$1000.00} fund in the XXXX account. He says it's a part of process and I will get my money back when it gets approved. Then he says we need to buy insurance. I paid him for insurance. And then he says we need to buy a XXXX XXXX  XXXX. When I told him I don't have any more money he said we are in the middle of the process and if I can't send the rest of the funds, all the money spent and work we've done so far is wasted. Every other day he would come back with a new issue and he kept asking for more and more money to finish the process. And when I stopped sending him money he deleted his account. 
After this, another guy started messaging me saying he is working in XXXX as a developer and will help me finish my project if I send him the money directly. At this point I realized that I got scammed. 
I contacted PayPal and explained my situation, explained that this was fraud and I never received the product and service I was promised for the money I paid, however they refused to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Santander is violating my rights and the Fair Credit Reporting Act in particular 15 USC 1681 s-2 which governs furnishers if information. The law prevents furnishers of information from reporting income which is what Santander is doing in the form of reporting a charge off which they reported bad debt and therefore deducted as income. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes their reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income.

The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says Santander is a furnisher of information to a consumer reporting agency.

Santander is PROHIBITED BY LAW to furnish inaccurate information.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 And in addition they are continuing to report my account as late payments as well which is another violation. 

After seeing the inaccuracies On or around XXXX XXXX I sent a dispute letter to Santander expecting for my concerns to be taken seriously and corrected as the law specifies. On XXXX I received a form letter back with a blanket denial which one of them stating that I had sent a dispute before, which I had for an unrelated issue. Instead of giving my correspondence the respect that it deserved they systematically denied it. 

Santander has been in violation of the Fair Credit Reporting laws numerous times in the past and in fact recently just lost a large judgement for similar behavior which shows a pattern of intent to damage and defraud the public and is not learning from past judgments.
Product: Debt collection

Sentry Recovery & Collections are falsely reporting debt for an apartment that I never lived at which is now hindering my ability to move because it shows an eviction status. According to XXXX XXXX it was from an apartment called XXXX XXXX XXXX XXXX for a short time in XXXX for a total of {$980.00}. I do not know who Sentry Recovery & Collections or the company that they are representing. There is no way possible I had those two places at the same time. My identity was stolen. I tried to contact the company directly multiple times by showing proof of where I had my utilities installed to show verification.
Product: Checking or savings account

The Truist bank had a {$500.00} promotion for new checking account back in XX/XX/XXXX. The promotional code was XXXX. It requires " two qualifying Direct Deposits totaling {$1000.00} or more within 90 days of account opening '' to get the opening bonus {$500.00}. I did all requirements but did not receive the opening bonus. I contacted Truist via online chat, phone calls in XXXX and XXXX. Each time, they gave me different reasons why I did not get it, such as I'm not within their footprint, I did not applied within the required time frame, I did not use the promotional code. I contacted on XX/XX/XXXX for the last time, and their supervisor told me it is too late to add me to the promotional pool. They can't anything about it anymore. The entire promotion is a spam. I've all online chat logs and email from them to prove that I am qualified for the promotional offer, but they refused to fix the error. I am reporting to your institution as this type of bait & flip conduct is harmful to the financial health of all families in US, so it should be exposed to the public to draw attention on it.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the numerous unsuccessful attempts I have made to remove fraudulent items from my credit file. The persistent presence of these inaccuracies has caused significant distress and concern, necessitating immediate attention and resolution. 

I discovered unauthorized and fraudulent items on my credit report. Disturbed by this discovery, I promptly initiated the dispute process with your bureau to report the inaccuracies and request their removal. 


During my initial disputeI provided detailed information about the fraudulent items, including supporting documentation, and requested a thorough investigation into the matter. 


Despite the dispute process, I have made multiple follow-up attempts to inquire about the progress of the investigation and the status of the removal of the fraudulent items. Unfortunately, these attempts have yielded no resolution, and the inaccuracies persist on my credit file. 
The lack of resolution to this matter is deeply concerning. The repeated failures to remove the fraudulent items have not only caused financial strain but have also compromised my creditworthiness, affecting various aspects of my financial life. 
Requested Actions : I urgently request the immediate and complete removal of all fraudulent items from my credit file. This is crucial to rectify the inaccuracies and restore the integrity of my credit report. 

I implore your team to expedite the investigation into these unauthorized items to identify any discrepancies and prevent any further harm to my credit history. 
Communication Clear and regular communication on the progress of the investigation and the steps being taken to rectify this situation is vital. I expect to be kept informed throughout the resolution process. 

Given the distress and potential financial consequences caused by these fraudulent items, I request fair compensation for any damages incurred. Additionally, I seek assurance that credit monitoring services will be provided to safeguard against future fraudulent activities. 
I trust that you will treat this matter with the utmost urgency and diligence it demands. The timely resolution of this issue is crucial to restoring the accuracy and reliability of my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, Industrial and Commercial Bank of China ( USA ) , National Association closed my XXXX XXXX XXXX XXXX Card without any notice. I am not able to log into my account or use my credit card any more.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute Compliance with 15 U.S.C. 1681n To Whom It May Concern, I am writing to formally dispute the reporting of the XXXX XXXX account on my credit report, as reflected by XXXX and Experian. This account has been deleted by XXXX and XXXX as due to the inability to verify it, yet XXXX and Experian are still reporting it as a charge-off account. I believe this continued reporting to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n.

Additionally, I note that both Experian are reporting the account with a credit limit, which is incorrect as the account has been charged off. Furthermore, the account is being reported as charged off in consecutive months, which is misleading and does not accurately represent the account status. 

I kindly request that Experian conduct an investigation into the accuracy of the reported information, as required by the FCRA. I expect this matter to be resolved promptly, and I request written confirmation once the investigation is completed. 

Please be aware that failure to comply with the provisions of the FCRA may result in legal action, including claims for damages under 15 U.S.C. 1681n.

Account Name : XXXX XXXX Account numberXXXX **** :
Product: Credit card

I am writing to lodge a formal complaint against Bank of America N.A. ( XXXX Credit Card ) in relation to a matter concerning my account reference # XXXX, initiated approximately between XXXX of XXXX thru XXXX day of XXXX. Specifically, I requested a XXXX XXXX of said account and ALL disclosures, agreements, any instruments and transactions associated with the account. Regrettably, despite statutory mandates outlined within the Fair Debt Collection Practices Act ( 15 USC 1601 - 1693 ), I did not receive the complete array of disclosures, service agreements, and signed instruments pertinent to the purported debt, nor was a signed copy of the promissory note provided. 

I have diligently pursued resolution of this matter through direct communication with representatives of Bank of America N.A, including engagements with their collection department at XXXX XXXX XXXX. However, notwithstanding these efforts, I have been informed that the promissory note remains unattainable. It is imperative to note that pursuant to pertinent legal statutes, particularly the Bill of Exchange Act and Negotiable Instrument Act, the conversion of the promissory note into a negotiable instrument would signify satisfaction of the alleged obligation. 

Furthermore, a review of my credit report reveals that the purported debt has been charged off. In light of this, I am compelled to inquire as to the absence of any documentation, specifically a copy of the 1099-C form, indicating the discharge of indebtedness filed with the XXXX XXXX XXXX XXXX XXXX XXXX 

The actions, or lack thereof, undertaken by Bank of America N.A have resulted in considerable uncertainty and distress. It is my firm belief that such conduct may contravene provisions established within various consumer protection statutes, warranting regulatory scrutiny and intervention. 

In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau undertake a thorough investigation into the practices of Bank of America N.A with regard to this matter. Additionally, I seek redress commensurate with any identified breaches of consumer protection statutes, as well as clarification and resolution of the outstanding issues surrounding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX, I checked my credit report through XXXX XXXX. A new, unpaid XXXX  loan had shown up in the amount of {$44000.00}. The origination date shows XXXX XXXX XXXX I was not in XXXX  at the time. 2 years previously, my husband and I had a loan forgiven for roughly the amount in XXXX  for our service in high needs, low income schools as XXXX When I contacted Trellis, they had no record of the loan and could provide no additional information other than there was no loan in the National Student Database attached to me for that balance. It was suggested I call XXXX as the loan may have originated with them. I called both XXXX and XXXX and neither had record of that loan and I can see in both their dashboards that there is no loan for me. I also have logged in to my XXXX XXXX  account with the federal government and there is no loan there. This is a false report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX  has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the ECRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Its been over 60 days and have not sent me one document or original contract. 

XXXX, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also be advised that this is my second time contacting your company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you can't just verify my account by telling me it is verified Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you can't send me proof of these accounts from YOUR COMPANY, it must come off. 

All in all, you have ignored my request to provided me with the documents that you have in your files that were used to verify the disputed accounts, which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly delete all information which can not be verified. '' This law is as clear as daylight, as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately :
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX Balance {$64.00} XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to provide a follow-up on my previous attempts to correct the late open accounts listed on my credit report. Despite my initial efforts, these inaccuracies persist, and I am compelled to seek further assistance in rectifying this matter. 

I have submitted disputes, provided documentation, and engaged with the relevant creditors and credit reporting agencies to address this issue. However, to my dismay, the late open accounts continue to adversely impact my creditworthiness and financial standing. 

I request that you will conduct a thorough investigation into this matter and take decisive action to rectify the inaccuracies. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX Balance : {$81.00} ; XXXX  XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$2200.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$150.00} Account Name : XXXX BANK XXXX # XXXX - BALANCE {$720.00} Account Name : XXXX XXXX # XXXX - BALANCE {$200.00} Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX - XXXX {$77.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$280.00} Unauthorized inquiries XXXX  XX/XX/year>
Product: Debt collection

I'm a victim of identity theft. I submitted a dispute along with FTC report, Radius Global Solution Collection continue to report a fraudulently account on my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that I had inaccurate information on my report. I found it. I had accounts opened fraudulently on my account. I then reached out to the company and explain to them that the accounts needed to be closed, this information was not supposed to be reported to my credit report. I requested documentation I requested information about the account itself, and I did not receive any information in regards to how this account was opened and who opened it my request was completely ignored. I then filled out an identity theft affidavit with FTC and from there, I did contact the Trans Union, the songXXXX and XXXX and dispute the information in which they told me that they reached out to the credit cardcompanies and found out the information was accurate. I then asked them how was this information Accurate what information did the company provide to you? That showed that this information was accurate And I did not receive any information into regards to what information was actually validated. This information is reported to my credit report fraudulently it needs to be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX  ExperianXXXX  Subject XXXX Formal Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally address serious concerns regarding Experians compliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). Based on the issues outlined below, it appears that Experian has failed to meet its legal obligations, causing harm to consumers like myself.

1. Failure to Properly Investigate Consumer Disputes Experian has demonstrated a lack of thoroughness in investigating disputes submitted by consumers. This failure directly violates the FCRAs requirement to conduct reasonable investigations into disputed information.

2. Failure to Provide Adequate Notice of Dispute Outcomes Consumers are entitled to clear and timely notification regarding the results of disputes, including explanations of actions taken. Experians lack of adequate communication undermines consumers ability to protect their financial standing. 
3. Failure to Forward Relevant Information to Furnishers It has come to my attention that Experian failed to forward all relevant details to furnishers as part of the dispute resolution process. This omission limits furnishers ability to investigate and correct errors.

4. Allowing Inaccurate Information to Remain on Credit Reports By allowing inaccurate information to persist, Experian has compromised the integrity of its reports, creating unnecessary challenges for consumers.

5. Illegal Reinsertion of Inaccurate Information Reinserting previously deleted, inaccurate information into credit reports without proper notification to consumers is a direct violation of the FCRA. This practice causes ongoing harm to individuals relying on accurate credit information. 

These actions not only violate federal laws but also have caused significant distress and financial harm. I request that Experian take immediate corrective action by : Conducting a thorough investigation into these practices. 
Correcting all inaccuracies on my credit report. 
Providing documentation regarding the results of your investigation. 
Ensuring compliance with FCRA and CFPA requirements moving forward. 

If I do not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies. 

I look forward to your prompt response. Please contact me at XXXX for further communication. 

Sincerely, XXXX XXXX
Product: Debt collection

Midland Funding LLC XXXX filed a Notice for Wage EXECUTION, by XXXX XXXX XXXX and I am currently on medical leave for XXXX XXXX. XXXX did wrongfully shared my information first to Midland Funding and sold my information to XXXX XXXX XXXX, my employer received a wage exception notice to garnish my wages in the amount of {$210.00} weekly. This garnishment is also filed with the Superior Court of New Jersey and I am disputing this wage exception with XXXX. I would also like to report XXXX XXXX XXXX for harassment and for filing this claim against me! I would like for this wage garnishment to be removed at once from the Superior Court of NJ, and a notice sent to my Employer!