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

XXXX XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX XXXXXXXX XXXX XXXX making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXXXXXX XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my XXXX? XXXX XXXX XXXX XXXX XXXX writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXXXXXX XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX are not an affiliate of XXXX XXXXXXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach back in XX/XX/XXXX in which 160 million people 's personal information, ranging from addresses, drivers licenses, and social security numbers, was stolen. They did nothing to notify those people until XX/XX/XXXX. According to their own website it is likely that my information was stolen.
The only fix Equifax has offered is a year 's worth of identity protection if I waive my rights to sue them in court. Their service means nothing to me when they ca n't protect their own data why would I trust them to protect it now?
Product: Prepaid card

I Doordash and get my earnings deposited to the Dasher Direct card by Payfare. So my earnings get put onto the card and I then move the money from the card to GOAL, in the app, is like a pocket so if I want to make a purchase with my card I will have to go into the app move money from my GOAL back to the card and make the purchase. Which is what I do EVERY TIME I use the card. Well here recently my account has gone into the negative on several occasions, the different times on the same day on multiple occasions. First of all, how does a PREPAID CARD that doesn't have overdraft on it go negative. Secondly as I stated before I have to transfer money back onto the card when I make a purchase, its just how I do it. Ive called Payfare customer service and explained what is going on, bc on my transaction history it doesn't show what charge is causing my account to be negative, so they will look at it in their end come back saying such and such charge was the one, but I can't see that on my screen and I'll remember the purchase bc there ISN'T ANY fraudulent activity mind you, but I'll remember making the purchase and I remember moving money out to the card to make the purchase. Making it and it being gone out of my account only to have my balance go into the negative and Payfare to tell me otherwise. THE ONLY remedy they offered is to " contact the merchant '' which is Bs bc I made the purchase, and I have. Cash App card I use everyday, A XXXX that I use regularly, same with XXXX. And I have never gone through this with any of those. So no its not the merchant. This company is stealing money from me, and I know I'm not the only one this is happening to. I can only imagine the amount of money that is being pilfered off of all these XXXX Dasher Direct cards everyday. Please look into this and stop them. I work hard for my money and I won't allow them to keep doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Public Record on this Bankruptcy chapter 7-discharged XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit card or prepaid card

On XX/XX/2022 I purchased flights to XXXX with XXXX XXXX. As I navigated through the purchase, I was shown an ad from XXXX and American Express for a XXXX card that told me I could get {$300.00} cashback if I opened an AmEx XXXX card, after {$2000.00} in qualifying purchases. I started using the card and after I spent {$2000.00} and still had not been credited the cashback, I called AmEx in early XXXX, roughly 6 weeks after opening the card [ I asked AmEx for this date, and they had a record of the call but would not tell me the date of this call ] and asked them why I had not been credited the cashback. The representative I spoke with said " everything has been done to qualify, you don't need to do anything more, it just takes 8-12 weeks to apply to the cashback. '' So I waited until 12 weeks had past and called again on XX/XX/XXXX and was told that there were actually two separate offers ; I had been credited skymiles after making {$2000.00} in qualifying purchases, but I would not be getting the {$300.00} cashback because I had failed to make a purchase with XXXX within 3 months of opening the card. I explained to the representative I did not know that I was expected to make a purchase on XXXX and that the first representative I spoke to had told me I didn't need to do anything more for the cashback, which turned out to have been incorrect. In fact, that representative had advised me to wait and not follow up until my eligibility ran out. The second representative opened a case with AmEx to request that my window to make a purchase with XXXX and get cashback be extended. I called again in late XXXX and was told that it takes 30 business days to resolve a case, so to call back on or after XX/XX/XXXX. I called again on XX/XX/2022 and was told " anything that was in the terms and conditions would supersede what any representative told '' me and so they would not grant me the cash back or extend my window to qualify for the cashback.
Product: Credit reporting or other personal consumer reports

i received a copy of my credit report from my loan officer noticing XXXX XXXX  account opened XX/XX/XXXX and XX/XX/XXXX for the amount of {$440.00} and {$640.00} fraudulently using my personal information. also, on XX/XX/XXXX there was a XXXX phone taking out using my personal information fraudulently for the amount of {$3600.00}. there is a fraudulent account by the name of XXXX XXXX taking out on XX/XX/XXXX fraudulently using my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX in XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX to buy a car. When I came into the store I had already applied doe a loan with XXXX with a remarkable rate. Because of this I did not want my credit run with XXXX XXXX. The sales associate asked several times if he could run my credit to search for better deals, and that it would be a soft pull. I explained that I did not want my credit pulled because I was already frustrated with the i professionalism of my car buying experience. Although I specifically asked for my credit not to be run, the associate ran my credit with 4 different companies and they were all hard inquiries.
Product: Debt collection

Disputed with the credit bureau they validated the debt electronically. Disputed directly and was never provided with validation. Debt is unknown. I have never done business with XXXX XXXX XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this acct XXXX XXXX XXXX several times with Equifax. Each time they say it 's verified. But when I ask them to send proof that this is my account. They never do and they tell me they do n't have to verify this account. By law states that I have a right to see what was verified. This item is dated XXXX/XXXX/XXXX That was 7 years ago. I just got a copy of my updated report and this item is still listed on my credit report as of XXXX/XXXX/XXXX. XXXX is a very bad company and already have several complaint with the BBB. They do not do fair practices and I want this item removed immediately. And I will be contacting an attorney to move forward with a lawsuit against XXXX XXXX. In the meantime I want this company investigated for unfair practices, and I want this item removed immediately. By law this item can not stay on my credit report past 7 years. They know this yet they continue to let this stay on my credit report. Equifax investigated this item and took more than 30 days to get back to me. Equifax is just as bad as XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Per the attached screenshot : No Account can possibly be listed as CO for Seven Consecutive Months, specifically the months of XX/XX/XXXX through XX/XX/XXXX ONLY on My Experian Report. 
XXXX Report has NO Legend Indication When the Date of Last Activity for XXXX is XX/XX/XXXX And Date of Last Activity for Experian is XX/XX/XXXX This Alleged Debt listed as A Charge Off for XXXX XXXX XXXX  account with a Balance of {$950.00} on BOTH XXXX and Experian. 
As We All Know, that's Not Possible and Considered Double Jeopardy. 

Neither XXXX or Experian Reports Include Any Accuracy for this Account. 
Both XXXX and Experian have Made Errors to My Consumer Reports that are Extremely Harmful to My Character, Creditworthiness and Ability to obtain further Credit. 
Was this Account Closed Due to Inactivity or Was it Charged Off as A Bad Debt or Was It Canceled by thr Cresit Grantor or Was it Reported as A Loss by the Credit Grantor?

Because all those Comnents are listed and All those Comments are not True and Accurate. 
Both XXXX and Experian are Violating Consumer Laws with the Laundry list of Errors and Misrepresented Line items on this account.
Product: Debt collection

I have been receiving phone calls from this company, I have no idea who they are and from past experiences, My information has been in the Credit Bureau Data breaches, and has never been corrected, They are trying to collect a debt that I do not owe, and keep calling with reference numbers. I want this to stop, It is very annoying and makes me nervous that my information is exposed to an collection company whom i do not owe. I called them an was put on hold, for a bit, No one answered after the recording just silence on the Phone. This was to day XXXX and had calls before that from diff. numbers, but go back to this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : Complaint Against Experian for Reporting Inaccurate Information Dear Sir/Madam , I am writing to formally file a complaint against Experian regarding inaccurate reporting of information related to my XXXX credit card account. I noticed today XX/XX/year> that I was deducted XXXX points. I should have not been deducted points.This inaccuracies violate the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681, which emphasizes the importance of accuracy and fairness in credit reporting. 

My XXXX credit card closing statement date on the XXXX of every month. However, I have noticed discrepancies in the information reported by Experian. I have Enclosed my recent credit card statement and screenshots demonstrating that Experian has deducted XXXX points from my credit score.

These inaccuracies have caused me undue stress and may affect my financial opportunities. I respectfully request that you investigate this matter and take appropriate action to ensure that Experian corrects these errors in my credit report.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely,
Product: Vehicle loan or lease

Purchased a XXXX XXXX XXXX on XX/XX/XXXX for {$26000.00}. 60 month loan by Chase Auto Finance. Contacted Chase at the end of the loan term for a pink slip to my car. They claimed I owed them 9 months. After several calls they claimed I owed them {$4800.00}. I was never sent any back-up. Not by email nor by mail. Not one letter. Not one phone call. I contacted them numerous times for over 12 months. I sent emails and made phone calls. There is recorded evidence of both. I was told in a recorded conversation that this loan was now a Charge-Off. And was told there was no further action needed except that I was to pay off the balance in full. I spent months trying to negotiate a payment plan. They refused any payment offers -- only if I made one payment in full. I sent emails that included proof of insurance and that I was keeping up with car repairs, oil changes, etc. I sent emails of appraisals of major work that needed to be done on the car. More then one year later I began getting harassing calls at all hours. One was threatening " You know who I am, you know what I want ''. I reported the call to Chase Auto and filed a complaint with the police department. Several calls were made to family members including not only my XXXX year old mother, but an Aunt and Uncle in another state. One day in XX/XX/XXXX they entered a private, secured and gated garage illegally ( by following another car into the garage ). They took my car. It took me two days to find the car ( according to Chase they couldn't figure out who had it ). I was never sent a notice with intent to repossess. I was never sent any notices by Chase. I was sent a notice dated XX/XX/XXXX which I did not receive until XX/XX/XXXX that they would sell my vehicle within 6 days. I owed {$4800.00} and they sold it for {$6100.00} and still they are claiming I owe them money. 
I had 4 previous XXXX XXXX leases without one issue or one problem. Only with Chase Auto was there a problem. 
I am currently forming a class-action suit for Illegal repossession + violations against debt collections act + violation of Colorado law.
Product: Credit reporting or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedure in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

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 sign consumer contact, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent accounts. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Student loan

I filed my annual pay as you earn re-certification application in XXXX. My husband and I file married but separate. My husband filled out the proper information requested in the application. I received a notification stating my monthly payment increased from {$140.00} per month to {$290.00} per month. I was unable to pay this, I file a recalculation request. I received a notice stating my monthly payment was now {$330.00} per month. I was unable to pay this and I submitted another recalculation request and then my monthly payment was now {$340.00} per month. I was unable to pay this and submitted two more recalculation requests, both requests returned with {$330.00} per month. After numerous calls and discussions with various representatives with Nelnet, every time a representative calculated the monthly payment with me over the phone my average monthly payment returned to {$160.00} per month. I spoke with a supervisor on XX/XX/XXXX between XXXX and XXXX PST, I was told that my husbands information is not calculated when recalculating my average monthly payment. Then I was told the reason why the recalculation initially returned at {$290.00} per month was due to an error within the calculation team. I was then told I had only two options, go in forbearance or apply for a different repayment option which I can only do once in during the entire life span of my loan and for only a time span of 12 months. This option allowed me to pick my monthly payment amount. I do not feel comfortable doing either. After requesting they lower my monthly payment, I was denied. I have submitted recalculation and supporting documents every single month since XX/XX/XXXX except XXXX. Not until today was I told that my husbands information was not considered, that my filling separate was moot, that I had could choose to go into forbearance or use my only opportunity during the entire life span to choose my monthly payment, that the original {$290.00} was an error, and that the representatives were calculating wrong every single time I spoke with them on the phone. At every turn, every single representative that I spoke with gave me contradicting information. No one knew how to calculate any of the information. I was told in XX/XX/XXXX that the reason why my monthly payment was high was probably because they did not access my husbands information and to which I was told to have my husband sign my application. Then I was informed that they will access his information and my monthly payment will be lower. I am on a Pay As You Earn Plan, with this plan my husband 's information should be calculated. But Nelnet is NOT including my husbands information when calculating my monthly income. This was confirmed by Nelnet on XX/XX/XXXX. They confirmed that the reason my monthly payment was {$330.00} was due to the fact they do not and will not take my husbands information into consideration. When calculating my monthly payment on Repayment Estimator via the Federal Student Aid website, my PAYE amount per month is {$290.00}, but based on the information provided by Nelnet, this is incorrect.
Product: Credit card or prepaid card

I was issues the Bank of America government card for my unemployment. I certified 4 weeks of unemployment and every time I received an email from the department of labor stating that my funds were in my Bank of America card. I kept having a XXXX balance on my card until i finally got tired of waiting and changed my payment method to direct deposit. However I am still owed for those previous 4 weeks. I called Bank of America and no one picks up the calls. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

1. 08 XXXX XXXX XXXX  XXXX XXXX Account # XXXX BAL {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Act. The list of accounts below has VIOLATED my federally protected consumer rights to PRIVACY and CONFIDENTIALITY under 15 USC 1681. 
( 1 ) XXXX XXXX Account # XXXX, Has Violated my rights ( 2 ) XXXX XXXX Account # XXXX, Has Violated my rights ( 3 ) ( 3 ) XXXX XXXX XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 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 instruction.

15 U.S.C 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 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.