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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX I looked at my XXXX XXXX Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both Chexsystem Inc and XXXX XXXX XXXX ( hereinafter " XXXX '' ) regarding a business transaction in the amount of {$25000.00}, reported to the Chexsystem as an XXXX XXXX XXXX dated of Closure XX/XX/XXXX. Routing number XXXX and Account number XXXX. I provided to XXXX XXXX of XXXX and Chexsystem disputing this information by providing Title 12 CFR Section 1026.3 Exempt Transactions. ( a ) ( 1 ) The following transactions are not subject to this part or, if the exemption is limited to specified provisions of this part, are not subject to those provisions : ( a ) XXXX, XXXX, XXXX, or Organizational credit. ( XXXX ) An extension of credit primarily for a business, XXXX or XXXX purpose. XXXX violated Section 5 of the Federal Trade Commission as well as the Fair Credit Act 15 USC Section 45 Prohibits unfair or deceptive acts or practices in or affecting commerce. I pointed out to both that XXXX willfully and deliberately deceived me by appearing to use the last XXXX of the account number XXXX. However, the last XXXX account number is actually XXXX. I notified Chexsystem and XXXX XXXX pointing this deceitful act out to no avail! To add insult to injury, Chexsystem changed the dollar amount from {$25000.00}, to now as of XX/XX/XXXX {$22000.00}. I brought this issue to the Chexsystem and they decided to become complicit in the unfair and deceitful practice and I am now bring this to this agency 's attention for resolution. I am requesting an investigation into the employees working for the Chexsystem misconduct by refusing to delete this inaccurate information. I am requesting this inaccurate information deleted promptly. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with XXXX on my file. I explained that I had settled it. They left it on the file. I settled the account with XXXX and then, XXXX put the balance BACK on their record on my credit files. I have attached the backup for the settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, 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 : XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX Acount # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I contacted Discover in mid XXXX to cancel my credit card. They confirmed there was {$0.00} balance and cancelled the card easily. 2 months later I get an email from credit karma telling me that an account I have is delinquent. I have an XXXX credit score so Im shocked. I realize its discover. I call them immediately and make the payment. I assume they will fix this issue because I had cancelled the card and figure its some type of error on their end. Total charge was {$26.00}. I called Discover today to get this delinquent reporting removed from my account and here is what they tell me : 1 ) when I called there was no balance and they agreed thats what the agent told me.

2 ) supposedly the very next day, they realize oh wait there is a balance and also my account is linked to an old bank account that I had closed since I hadnt used this card in years. 
3 ) Discover NEVER CALLED ME AGAIN to tell me that I had a delinquent account. Zero. Never ever called. The lady on the phone said thats because I enrolled in e-statements. I explained to her that I didnt look at any e-statements because I had closed the account and been told there was no balance. So why would I login and look and an e statement?!

4 ) discover never texted me to let me know I was delinquent 5 ) discover claims they sent me a letter in the mail but I never received this letter. I dont think they actually sent it because my account was closed and they had some error in their side.

6 ) discover will not correct the reporting to the credit bureau for a {$26.00} delinquent balance which they never told me about.

7 ) I as the consumer now have my credit score dropped by XXXX points to XXXX because I cancelled a card that I wasnt using and then mysteriously the very next day there was a balance. 
8 ) why wouldnt discover call or text me to let me know?

9 ) why wouldnt I get multiple letters telling me I would be reported delinquent?

10 ) there is a very clear break down of diligent communication to customers and it seems borderline negligent. I would suggest investigating Discover communication practices to consumers after accounts have been cancelled. I suspect I am not the only person where this is an issue. 
11 ) I would like Discover to report my {$26.00} delinquent payment as current due to having cancelled this card with a {$0.00} balance and never being told I was delinquent. Again the only reason I found out is because credit karma emailed me and told me. I never got an email, text, or phone call about a delinquent account. Supposedly discover sent a letter but I never got that either. Very possible we threw it away because discover mails us like XXXX per month for other nonsense. Very very frustrating that years of hard work on credit can be blown by a stupid error like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

chapter XXXX bankruptcy was in my experian and XXXX credit report in which i disputed and the both told me the item was verified thru XXXX, ,I contacted XXXX and they told me I didnt have a public record for a bankruptcy in there system. Either these 2 credit bureaus lied or they didnt do a through investigation into my disputes either way they are in violation of the FCRA and i demand these bankruptcies be delete from my credit file
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX this account is is older then what it is showing in my reports
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concern regarding the use of consumer reports for the collection of delinquent child support, judgments, fines, and liens, which may no longer be permissible under the Fair Credit Reporting Act ( FCRA ).

I did provide a copy of a which TRANSUNION state that child support should not report on your credit report Recent federal court rulings have addressed the use of consumer reports for account collection purposes, particularly under 15 U.S.C. 1681b ( a ) ( 3 ) ( A ). These rulings highlight that definitions added to the FCRA through the 2003 amendments, specifically the definition of credit, restrict the permissible use of consumer reports for collection activities solely to those involving a credit transaction.

As a result of these rulings, it is evident that a " collection of an account '' is a permissible purpose for obtaining a consumer report only when the collection is in connection with a credit transaction. Therefore, using consumer reports to collect delinquent child support does not meet this criterion and violates the FCRA.

Despite this, I have encountered a situation where child support information remains on my credit report. This inclusion is not only incorrect but also in violation of 15 U.S.C. 1681b ( a ) ( 3 ) ( A ), which permits the use of consumer reports only when it involves the extension of credit to, or review or collection of an account of, the consumer in connection with a credit transaction. 

I would like to draw your attention to the case XXXX XXXX Trans Union , LLC, which further supports my position. Based on this, I respectfully request that the CFPB takes appropriate action to ensure compliance with the FCRA and instructs the relevant parties to remove the incorrect child support information from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Checking or savings account

Had unauthorized transactions on the account, funds credited, but locked account and will not transfer funds even though law requires access to the funds while they investigate. They also lost {$720.00} that im fighting with them over at the moment.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as XXXX, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ongoing issue with HSBC bank regarding payment not posting account. There seem to be six or more credit card services and deposit account banks in the United States. The holding company for them is HSBC Holdings PLC XXXX XXXX XXXX XXXX Floor XXXX, XXXX XXXX XXXX XXXX. I bank certified copies of payments that are in dispute attached. The branch that captured these payments in XXXX, XXXX  seems to have gone out of business. however, the payments never came back to me or applied to the current HSBC credit card.. 

This process has gone on for 16 months and no resolution has been made. My credit score has gone down more than 120 points, I have been denied loans and my business is at a stand still. Credit card companies have lowered the credit availability about {$40000.00}. I was denied a XXXX XXXX  and a XXXX XXXX of {$45000.00}
Product: Credit card or prepaid card

American Express continues to deny purchases after dropping the limit from {$14000.00} to {$700.00} without notice and explanation. I want BY MAIL all contracts and statements from ALL account under my name plus the full explanation and calculations of the credit limit. 

If American Express can not serve well and give a decent limit to this card, please, proceed its cancelation and refund of all fees as of today. 

Do not call or email me, all communication needs to be written and sent by mail to my home address for evaluation and further action.
Product: Prepaid card

Initially filled a complaint with cfpb but never heard from the company. 
My initial case number is XXXX My complaint : Thave a XXXX giftcard given to mi with {$500.00} original sum. The card is active until XX/XX/year> and | believe I still have {$500.00} remaining but l have been unable to verify the balance using prepaidgiftbalance.com and the phone number on the back of the card XXXX. I have tried entering the card details multiple times on the website and through phone number with help of a live representative. A customer service representative suggested I provide a copy of the giftcard front and back as well as my government issued ID and mail or fax this information to them then call back XXXX weeks later. I dont feel comforable sending this information in this manner and have very little confidence in this resolution. The barcode suggests it may be a XXXXXXXX XXXX  gift card but when I called XXXX customer service, they also did not recognize the gift card number nor the barcode number on the back of the card.
Product: Credit card

I have the American Express Optima Card, which I am thankful for. I received the card after paying the balance of my American Express Hilton card ending in XXXX, albeit it was after the fact. About one month after receiving my card, I started dialoguing with American Express 's Credit Bureau Department about removing the " paid chargeoff '' account that has numerous errors. On two separate occasions, not one but TWO representatives confirmed that the old account would be removed from the report both because of the errors and as a courtesy, stating that American Express believes in helping people who make their accounts whole with them again. To this day, American Express has not kept their word in removing the older account, and I want them to uphold their promise to remove that account ending in XXXX.
Product: Checking or savings account

On XX/XX/XXXX  Navy federal withdrew {$510.00} from my checking account to satisfy and payment in which my mother owed on her credit card. I called in to release my paycheck and only agreed to make a loan payment on my vehicle which is financed through NFCU. I received a notification that additional money was taken out and questioned the representative and she stated it was for a credit card which is not mine. I spent a total of 4 hours on the phone trying to get my money back and still have no resolution. I never gave authorization for the payment to be made and asked multiple times for the call to be reviewed.
Product: Debt collection

On XX/XX/XXXX I had an bad injury on my job that caused me to stay out until XX/XX/XXXX. I contacted XXXX via phone a week after my injury which I couldn't contact anyone so, I emailed and never heard from anyone until they couldn't get any funds from my account. Around XX/XX/XXXX I received a call and I explained to then that I was out of work because my XXXX was XXXX and I was only receiving only {$140.00} a week on workers compensation. They explain to me that the interest will remain daily. I paid them back every two weeks until my injury. Now I'm receiving letters to pay {$6000.00} back. So, I called National Credit Adjusters and explain my financial situation right now due to my injury it set me back on everything else and I ask why I have been charged this much. I Couldn't get an agreement other than XXXX in full which is not fair. Almost every day I get anonymous calls which I know its NCA and it's very stressful because I can not afford to pay it. Today, XX/XX/XXXX I went on line to www.ncaks.com to see if I could set up an payment plan that I can afford but they ask that I make a downpayment of {$500.00} first that I dont have.
Product: Vehicle loan or lease

Ally Financial refuses to amend inaccurate information for auto loan that is over 8 years old. The vehicle title was released free and clear and titled was mailed to me in 2017. I have repeatedly requested Ally change the incorrect information on my credit report ( the information listed makes no sense, showing payments made AFTER the lien was released and car title sent to me ). 
I have filed numerous disputes with the credit bureau and submitted document proof of title.
Product: Debt collection

XXXX XXXX XXXX XXXX never sent me a bill for a ER visit that occurred on XXXX. Yesterday, out of the blue, I received a letter from Americollect for {$78.00} that went to collections from XXXX. 

Yesterday, immediately after receiving a collections notice, I faxed and emailed both Americollect and XXXX XXXX XXXX XXXX requesting for debt validation. I have also filed a complaint with the XXXX and the Louisiana General Attorney for XXXX practices. 

Today, at XXXX, I received a phone call and voicemail from Americollect . I know that it is illegal for collections agencies to call outside certain hours. Furthermore, I have already contacted them in writing, both by email and fax, that I would like debt validation and also notified them that I am in the process of filing a complaint against the original creditor.
Product: Checking or savings account

I got scammed by someone who sent me a check to purchase an item I listed on XXXX. They asked me to pay forward part of that amount to another party as moving charges ( shipper ). I deposited the check in my bank of america checking account and they credited the amount. Based on that I made a XXXX  payment of {$960.00} to the so called shipper. Six hours later the check bounced. It was a fake check as I found out later. When I asked bank of america why the amount was credited, they said it is a normal practice to do so in good faith for their good customers. I was shocked because I had made the forward payment based on the assurance that the credit was done. Later that amount was debited from my account along with a fee for failed check. Bank of America takes no responsibility for this practice which they admitted they are aware that scamsters misuse. They know of this fraud..it is very common yet they are not changing this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the creditors below, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX bankruptcy dismissed XXXXXXXX XXXX XXXX bankruptcy discharged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX  XXXX acct XXXX XXXX, FB & XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX, CHAPTER XXXX BANKRUPTCY XXXX ref # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an updated credit report from Experian. Upon review, I noticed inaccurate and incomplete information still reporting. I circled the information in the attachment. I have been disputing a bankruptcy that has been reporting incomplete and inaccurate information and Experian has failed to consider the evidence. The same with the account XXXX reporting a different bankruptcy type than the bankruptcy that is reporting. There are no financial accounts attached to the bankruptcy. To file bankruptcy you must have delinquent accounts and amounts. To report information on my credit file you must get information from the source. Not third-party sources such as XXXX per FCRA. Third-party sources gather information period without verification. How is anything verified through them? I contacted the bankruptcy court which they sent me a letter stating they do not share personal information. So how is it verified? XXXX has removed the inaccurate information I sent proof of that and Experian and XXXX refused to remove it and violated my rights as a consumer. I requested XXXX to please remove the personal statement that is appearing on my credit file and they still haven't removed it. I attached it to this complaint. Please remove the statement from the personal statement section of my credit file.
Product: Credit reporting or other personal consumer reports

Account # in Dispute : XXXX I have asked for a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance. 

Experian finished the investigation and never closed the dispute after 60 days which is a violation of 15 U.S. Code 1681i. The account is still incomplete and shows inaccuracies. 

XXXX finished their investigation, and the account is still incomplete and shows inaccuracies. 

According to 15 U.S. Code 1681i " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer ''. 

I have attached proof that this account is still incomplete and inaccurate. This account should be deleted immediately. 

XXXX XXXX XXXX attachment is before the reinvestigationXXXX XXXX XXXX XXXX attachment is after the reinvestigation**
Product: Credit reporting, credit repair services, or other personal consumer reports

The following address, names ect must be removed from credit report as the are incorrect. 


DELETE : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( correct address is " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( remove the XXXX XXXX ) ) DELETE : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' ( correct address is " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( Add a XXXX XXXX XXXX' ) ) DELETE : " XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( was my restaurant/business. no longer own, not residence ) DELETE : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( My mother and fathers old house not mine ) DELETE : " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( NEVER LIVED THERE ) DELETE : XX/XX/XXXX ( EXPERIAN ) NOT MY XXXX DELETE : XXXX XXXX XXXX, " XXXX '' IS MY MIDDLE XXXX NOT XXXX XXXX XXXX'