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

Subject : IMMEDIATE ACTION REQUIRED FCRA VIOLATION & ILLEGAL REPORTING OF DEBT AS INCOME To : Consumer Financial Protection Bureau ( CFPB ) Complaint Against : TransUnion, Experian, and Equifax To Whom It May Concern, I am formally demanding the immediate removal of the XXXX account from my credit report due to gross violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) and illegal income reporting practices. 

Violations Committed by Transunion, Equifax & Experian 1. Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) This account is inaccurate, unverifiable, and inconsistent across the three credit bureaus. The balance is incorrect, and the remarks differ, proving your failure to follow reasonable procedures to assure maximum accuracy. 
2. Unlawful Charge-Off Reporting This account was closed on XX/XX/2022, yet you continue to report it as a derogatory charge-off, severely damaging my credit. 
3. Failure to Provide IRS Form 1099-C ( Cancellation of Debt Income ) If this account was truly charged off and considered a loss by the creditor, the IRS requires that I receive a 1099-C form for tax reporting. You CAN NOT claim a debt as charged off for tax purposes while still reporting it as due on my credit file. This is fraudulent and illegal. 
4. Failure to Properly Investigate My Dispute Equifax already shows this account as disputed, yet the bureaus have failed to verify it properly, violating my rights under 15 U.S.C. 1681i. 


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Application # XXXX I was on the XXXX website on or about XX/XX/2020, and was about to purchase a new computer. During the checkout process, an offer was presented to me for a Barclays credit card to finance the purchase of my new computer with 18 months of no interest on a Barclays credit card. Knowing that my credit score is XXXX, and with a desire to utilize the deferred " no interest '' period, I applied. Shortly thereafter, I got an email that said to call a certain Barclays Security number. I called that Barclays phone number, and the rep informed me that my application was on " hold '' because additional information was needed. The Rep instructed me to send a copy of the front and back of my driver 's license, social security card and a copy of a utility bill. I immediately complied and sent the required items via " snail-mail ''. I am trying to find out if I have been approved or if there is additional information needed. I have called XXXX and have been on hold for 61 ( still on hold as I type this complaint ) minutes, which is ABSOLUTELY ridiculous. So, I am contacting you to ask -- what is the status of my application? Doesn't Barclays have to provide me with some sort of status? All I have received is a couple of generic form letters -- and I have no idea if the documents I sent and Barclays letters to me have just crossed in the mail and I am approved and the card is coming -- or if I have been declined and I awaiting a card that is not coming. Also, why the heck am I having to jump through all of these ID hoops when I have had a Barclays savings account for many years? Barclays already know who I am and I have an outstanding account history with Barclays with my savings account with them. UPDATE -- So while I was on hold on one call trying to get through to Barclays, I called XXXX, at XXXX central time, on XX/XX/2020. The lady I spoke to looked up my application and said that the utility bill, XXXX XXXX, which is my ground telephone service provider is not acceptable. I will note that one of the " form letters '' that I received from Barclays after I placed my application reads, " Your drier 's License/State ID, Social Security Card, and current original utility bill or bank statement with your name and address on it. '' Well, XXXX XXXX is my telephone utility company. The lady I spoke with on the XXXX XXXX  call said that Barclays does not accept telephone bills for identification purposes -- which is misleading since their form letter reads " utility bill ''. Additionally, I have an savings account at Barclays bank, so they can look at one of my bank statements any time. This feels like unfair/deceptive trade practices in my humble opinion. Application # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each company listed below as well as XXXX, Transunion, and XXXX in an effort to remove the following unauthorized inquiries from my reports as they did not receive my written consent to access my credit report. Each company told me that they don't accept phone complaints for inquiries despite their websites stating that I can dispute over the phone. They also don't accept disputes for inquiries online. 

The following inquiries are listed on my credit reports according to the corresponding Reporting Agencies : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I strongly believe that these Agencies are attempting to stall the process and be a bigger issue than a help in the process of me attempting to fix the errors in my credit report. 

These errors are negatively affecting my ability to get a mortgage, a loan, a credit card, and negatively affecting my ability to obtain my military security clearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Accounts are incorrect and adversely affecting my livelihood XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Permenantly delete the accounts mentioned above
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiries were not and should not be reporting.

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( 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.
Product: Checking or savings account

Good afternoon,The overdraft practices at Wells Fargo, are highly unethical, and prey victim to vulnerable individuals who become victims of never ending overdraft fees. The way that their system adds everything at the end of the day when everything post needs to be looked at very carefully, and how it’s affecting consumers who fall behind and can never get a foot because once they get one fee, if they don’t have it by the end of the following day, they hold back more transactions to post following day, once negative you keep getting hit for the additional transactions. Wells Fargo needs to address such issue, that is without a doubt generating them a lot of cash flow. These practices should be banned, WF should be fined for this.
Product: Credit card

We have disputed this amount with XXXX XXXX a rental car company charged our card even though we dropped of the car with normal wear and the rental company inspected the car in our presence upon drop off and said everything was good. This is futher information on our dispute : We rented a car in XXXX XXXX from XX/XX/year> to XX/XX/year>. We returned the car free of trash with normal wear from our travels. There was a minor amount of sand in the car from the normal use of the car in XXXX XXXX. We dropped off the car and they inspected it and said everything was good. A couple of hours later after we left I received an email saying that they were charging me a cleaning fee. Our car was returned with normal use in California- it was nowhere near excessively dirty. All car rental companies clean each car after use. They are not authorized to charge our card for any cleaning fees. The agreement does not list anything about cleaning fees for normal use- they also inspected the car upon arrival and said everything was in good condition.
Product: Credit card

I was forced to file a complaint ( XXXX ) a couple of months ago because Chase bank failed to give me the British Airways points I was entitled to on my credit card. After you intervened, they fixed it. Now the same thing has happened on my XXXX XXXX statement. How many times do I have to go through this? I emailed Chase this morning and told them I would be canceling the card as soon as the annual fee again comes due if this were to occur yet again, but meanwhile, can you nudge them to give me the points I have earned? Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my ChexSystems report. I have submitted multiple complaints to the ChexSystems requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the ChexSystems are obligated to remove these disputed items from my credit report. I kindly request that ChexSystems promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address, and SSN card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX # XXXX XXXX XXXX XXXX I am contacting you regarding in-accuracies on my credit report. Under HEROES ACT SECTION 110401 WHICH STATES SUSPENSION OF NEGATIVE CONSUMER CREDIT REPORTING during the COVID- 19 PANDEMIC PLUS AN ADDITIONAL 120 DAYS, ( XXXX/MILSNE ) IS NOT IN ACCORDANCE. 

( XXXX/MILSTNE # XXXX XXXX XXXX XXXX ) LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING, THE REMOVAL THESE LATE PAYMENT REMARKS, UPDATE AS PAID, NEVER LATE.
Product: Money transfer, virtual currency, or money service

Between XX/XX/year> until XX/XX/year>, I fell victim to two multi-layered scam operations run by Coinbase XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm. 

For more information, please see attached.
Product: Credit reporting

Both accounts on my credit report are misreporting a rolling charge off. Many months if not more than a year. 
XXXX ( Experian ) # XXXX for misreporting a rolling charge offXXXX ( XXXX ) # XXXX, ( Experian ) XXXX XXXX for misreporting a rolling charge off
Product: Debt collection

Good afternoon, I received a collections letter from Apple Recovery Services dated XX/XX/XXXX stating they have purchased the debt originating from the store XXXX XXXX XXXX. This debt was on my credit report in XXXX and aged off after 7 years and the store filed chapter XXXX bankruptcy in XXXX. 

On XX/XX/XXXX, I called Apple Recovery Services XXXX to ask about this matter and they admitted the debt was on my credit report and aged off and they will not be able to put it back on my credit report but that they will continue to harass me with collection letters until it is paid in full. They continued to attempt to collect the money. 

I would like to report this fraudulent activity and harassment. Here is their contact info : Apple Recovery Services XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX I called and settled my debt with Chrysler capital phone number XXXX I payed the debt in XXXX and its still showing on my credit report When it should be off .. my last four of my social is the only way they can look up the report now because its closed XXXX they said it would b off 30 - 45 days and its still there I just would like it to be removed but they are no help keep saying that they will fix it Sincerely XXXX XXXXXXXX
Product: Debt collection

I received a letter from a collections agency stating that I owed an auto insurance company money from an accident that I was never involved in. I called the collections agency to tell them about my innocence in this case. They provided me with more information and it turns out the I am being misidentified. I have explained this to the collections agency already XXXX times over the phone and they still keep sending me a letter and calling me about what is owed.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_US BANKRUPTCY Date XXXX Account Number XXXX Reason for dispute_INACCURATE___ Account Amount _______________ Account NameXXXX  Date XXXX Account XXXX Reason for dispute_XXXX XXXXXXXX Account XXXX Account Name XXXX  Date XXXX Account XXXX Reason for dispute_XXXX XXXXXXXX Account Amount XXXX Account Name_XXXX XXXX  Date XXXX Account XXXX Reason for dispute__XXXX XXXX Account XXXX Account NameXXXX Date XXXX Account Number____________________________ Reason for disputeXXXX XXXX Account XXXX
Product: Credit card or prepaid card

Previous Complaint # XXXX was closed without allowing me to provide counter input related to the company 's response issued on XX/XX/XXXX. 

In the response letter ( reference # XXXX ) from company, the company argued that " when there is a request made by one of our Card Members to refund a credit amount, we process the request, if the minimum payment is satisfied, we will honor the request. When you requested the credits back from us, there was no reason to decline your request. '' However, what I requested on was to REFUND the available credit on my account, and I NEVER asked for CASH ADVANCE for extra credits than should/ could be refunded. By legal definition, REFUND means to pay back by the party who has received it, to the party who has paid it, money which ought not to have been paid. On XX/XX/XXXX when I requested for REFUND, I was instructed by customer service representative that {$33000.00} was the AVAILABLE credit balance that could be REFUNDED. If that was the correct amount could be REFUNDED, I would not have owed anything from the bank and I would not have been charged {$8900.00} in next statement to pay back American Express. The fact that American Express asked me in next statement for {$8900.00} to pay them back implied that American Express representative either provided wrong information about the available credit balance that could be REFUNDED, or incorrectly interpreted my verbal authorization for REFUND and approved / processed a large amount of debit off my account which is {$8900.00} more than the available balance that could be REFUNDED. Such amount of {$8900.00} should have been processed as CASH ADVANCE transaction, which I never asked for or authorized. 

Therefore, I argued that the {$8900.00} should have been a CASH ADVANCE transaction which I never asked for or authorized. It was processed as bank error and the bank should waive any interest or fee associated with such error.
Product: Debt collection

We made our normal monthly payments to Conn 's in XXXX but after a week or so they began calling us multiple times daily to ask why we have not paid. We called them and found out they applied our payments in their systems to old account numbers for our accounts. We had refinanced our accounts previoulsly and these payments were mis-applied by Conn 's to the old accounts. The people in customer service told us it would be taken care of. A couple days later we began receiving the same calls multiple times daily to ask why we have not paid. We again called and explained the situation and asked why they had not taken care of correcting it as they said they would. 
This EXACT cycle has been continuing weekly for the past 9 weeks!!! 
They call us multiple times per day demanding XXXX 's payment and we call in and explain yet again how they made the mistake. Every single person who claims to be workers, supervisors, managers and directors at Conn 's have ASSURED us that it would be taken care of properly. 
Today, my wife called again and spoke to persons identifying themselves as managers and supervisors who again ASSURE her that in another 7-15 business days they will have it corrected. 
THIS IS INCREDIBLY RIDICULOUS AND INEPT. 
I am wondering if this is abuse of the Fair Credit Reporting Act and now am taking action that should have been taken long ago, but we kept believing them when they said it would be taken care of!! 
If this complaint and complaints to the FRCA do not produce positive results we will be speaking to an attorney for our next steps. 


Complaint filed with XXXX on XXXX : Your complaint has been submitted and assigned the ID XXXX. For your reference, a copy of your complaint appears below. You will also receive an email with a link that you may use to view this complaint. 


The complaint is being handled by the dispute center listed below. Please contact them with any questions. 
XXXX of XXXX XXXX ( XXXX and XXXX, Texas ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXXXXXX Web XXXX
Product: Checking or savings account

I opened a Wells Fargo Everyday Checking account on XX/XX/2019, and as part of the online account opening, made an opening deposit of {$50.00}. I opened the account on a page that offered a {$400.00} promotion bonus if I received a cumulative monthly total of {$3000.00} or more in direct deposits to the account. 

In XXXX, I received {$3000.00} in direct deposits. In XXXX, {$5700.00}. In XXXX, {$5300.00}. So I should have qualified for the bonus. Wells Fargo did not award the bonus and I called them to resolve this. Wells Fargo argues that they go by statement months and not calendar months. This was not said anywhere on the promotion page ; indeed, the language says " cumulative monthly total of {$3000.00}, '' and to a regular English reader, this means calendar month. Please award the bonus and issue an apology. A picture is attached of the promotion page.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 : Requested {$56000.00} to be sent. Request was made after XXXX PM est and per Ally 's webpage, the wire would be sent the following business day. 

XX/XX/2024 : Wire changed to Review status XX/XX/2024 : Completed dry signing for a home purchase. 

XX/XX/2024 : Called Ally to ask where the money was. I informed them that we had to do a dry signing due to the delay in funds. 
XX/XX/2024 : Wire changed to Processing status with their website stating that the wire would be completed. 

XX/XX/2024 : Called Ally asking for update and had a case made in their internal system. No change. 

XX/XX/2024 : Called Ally asking for update. No change. 

I may lose the home I have already started moving into due to Ally 's lack of care for consumer well-being.
Product: Credit reporting

I have contacted Experian on a number of occasions to inform them that US Dept of Education Account is reporting inaccurately 3 times on my credit file. The account is showing Derogatory status and this account is currently being paid as agreed. I will like for them to change this derogatory status. The account is showing as KD and it is not. I am paying them every month ontime according to their payment agreement.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX requested me to pay {$45.00} to run a 7 year background check, credit history, and eviction report. Within about XXXX hours they reported several false reports about me that had already been corrected and addressed in the past. This caused me to lose money, and a lease to relocate. They reported XXXX case in Arizona that was dispositioned in Pennsylvania in XXXX and another that was dispositioned in XXXX. Additionally, they did not update my credit reporting for making on-time payments to XXXX XXXX and they shortened my XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of this personally impacted my score and denial.