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

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 ( myself ) and the person ( XXXX  ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. 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 charge 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. 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  for the cancelled debt in order to file as ordinary income. Where is my 1099-C XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and Equifax are not an affiliate of 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 nonverbal 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
Product: Credit reporting or other personal consumer reports

please remove these inquiries from my credit report ASAP! 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : XXXX XXXX Account- # XXXX Resurgent/ Lvnv Funding- Account # XXXX XXXX XXXX XXXX- Account XXXX XXXX According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( XXXX ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. 

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. 

I send out several reinvestigation letters one XX/XX/2022, XX/XX/2022 and I have heard nothing from any, not even the letter stating they received my dispute or that my credit report was updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX, I submitted a dispute to Transunion in regards to a fraudulent items on my consumer credit report but only did I not hear back in regards to an update towards my dispute when contacting XXXX they stated that they had no information despite the fact of receiving my dispute via USPS mail certified. I am a victim of identity theft and this blatant disregard to my due process via the FCRA section 605B, included in my dispute over the fraudulent items was the following a copy of my current drivers license a copy, my official Social Security card, a copy of my current utility bill establishing identity and address as well as a copy of my FTC identity fraud affidavit. It is damaging enough to have been a victim of a data breach by one of the bureaus ( XXXX ) yet now that same Bureau is not acknowledging my dispute towards items they expose me of.
Product: Credit card or prepaid card

I was approved for credit by XXXX XXXX and received and used the credit. Admittedly I maxed out some of the cards soon after receiving them. I have since learned my lesson and am more knowledgeable about how credit works. I have not spent a cent more on my cards since XXXX or before on most of the cards, I also have paid some off and always pay more then the minimum due. So it stands to reason that my balances go down which should help to improve my score. XXXX XXXX has repeatedly waited until I'm almost done paying or have cut my balances way down to cut my credit limit. So my credit score and report looks like I still have high balances. When in fact I have been working very hard to get my credit in check. Please help me, as I believe that this is a very unfair practice. I pay on time and more than what's due, and have not been using my cards. Thank you for your time and consideration in this matter.
Product: Debt collection

Received 3 emails from Midland Credit Management regarding pre-legal action that will be taken against me for debts. On XX/XX/XXXX, I sent 3 letters via certified mail with a return receipts. Each letter stated the following : NOTICE OF DISPUTE To : Midland Credit Management Inc., I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. It is a material misrepresentation for you to attempt to collect any amount more than what you paid for this debt which is fraud upon the court and false & misleading. 

This is a warning! You have violated my rights as a consumer and if you do not cease all collection activities and request for this account to be deleted from my consumer report, i will commence a civil action against your company, in the United States district court. 

Sincerely, XXXX XXXX I would also like to make it known that I did not use my signature to sign the letters that were sent to them. I typed my name on each letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against CRAs XXXX, Equifax and XXXX for the following reasons 1.inaccurate reporting XXXX XXXX has reported inaccurate information regarding my account to credit reporting agencies, This misinformation has adversely affected my credit score and financial stability. 2. Misuse of Federal Reserve Loans, I am concerned that the CRAs may be abusing loans obtained from the Federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts. 3. Abuse of Insurance Policy, CRAs charged me and continue to charge me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden for me. 4. CRAs is in violation of the FCRA and Privacy Act of 1974 as I havent received a Privacy Notice or having a sign authorization from me to be able to Furnish to my consumer report
Product: Prepaid card

Subject : Inability to Utilize American Express Gift Cards and Lack of Customer Service Resolution ( Duplicate Complaint for another card Number : Only a card number was able to be added. I have two prepaid cards : Original COMPLAINT ID XXXX ) Complaint Description : I, XXXX XXXX XXXX currently residing in XXXX, NV, and serving as the XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX at XXXX XXXX XXXX wish to file a formal complaint regarding the issues I've encountered with American Express ( AMEX ) gift cards. 

Issue Overview : Duration of the Issue : Since late XXXX  to early XXXX 
Nature of the Problem : Received multiple AMEX virtual gift cards from my employer, which were initially functional but are now universally declined both online and at physical locations ( including restaurants, grocery stores, and when attempting to add to XXXX XXXX ). 
Attempts at Resolution : Customer Service Interaction : Upon contacting AMEX customer service, no viable solution was provided. The representatives were unable to : Suggest locations for card usage despite AMEX 's claim of universal acceptance wherever AMEX cards are accepted. 
Transfer balances from the virtual cards to a physical card. 
Issue a refund or convert the balance to cash or check. 
Additional Limitations Noted : The cards do not permit partial payments. 
Restrictions on charging amounts close to the total card balance. 
Primary Concerns : Inaccessibility of Funds : The current status renders the money on these cards inaccessible for over a year. 
Misleading Advertising : AMEXs claims of universal acceptance of their gift cards are proving to be false in my experience. 
Potential Consumer Impact : This situation seems to be a broader issue potentially affecting numerous consumers, suggesting a systemic problem with AMEXs gift card policies and functionality. 
Resolution Sought : I am seeking the total balance on my four unusable virtual cards in the form of cash or check. 
My intent is to gain access to the funds rightfully owed to me and ensure that AMEX addresses these significant service shortcomings for all consumers. 

I trust that the CFPB will take this matter seriously and aid in resolving this issue effectively. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have been having issues with my account since XX/XX/XXXX up until current date XX/XX/XXXX of overdraft fees on my account even when showing I have a deposit pending due to Navy Federal posting the deposit late.
Product: Credit card or prepaid card

On XX/XX/22 I did a balnce transfer from Comentiy Bank to XXXX XXXX for the amount of {$3000.00}. 
XXXX XXXX has never recieved the funds. I have made several attempts in cotcting both parties. 
On XX/XX/22 i recieved a phone call from Comenity Bank stating my funds wher sent to XXXX XXXX by mistake and i should contact them. After severla calls to XXXX XXXX  no funds were found.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX  XXXX XXXX XX/XX/XXXX was reported 60 past due, XX/XX/XXXX was reported 90 days past due, and XX/XX/XXXX reported XXXX past due. This does not correspond with the dates reported in XXXX and TRANSUNION, as they report XX/XX/XXXX - 30 day past due, XX/XX/XXXX - 60 days past due. and then XX/XX/XXXX -30 days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect. 

XXXX : XXXX states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX XXXX 30 day past due, XXXX XXXX  60 days past due. and then XXXX XXXX, 30 days past due.

TRANSUNION : TRANSUNION shows XXXX XXXX 30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX, 30 days past due. TRANSUNION shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. 

Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.
Product: Student loan

I applied for assistance and to be able to use the REPAYE payment option. This was denied due to when I filed this request, and my payments increase. I was advised to do this by the U.S. Dept of Education and feel misled. My loans are now $ XXXX+ a month ( more than my mortgage and all my other bills ) and feel as if they are unfair and that this is unconscionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES WILL NOT UPDATE THAT THE ACCOUNTS WERE COVERED UNDER A CHAPTER XXXX BANKRUPTCY THAT THEY DID NOT FILE A CLAIM TOO AND NOW THEY WANT TO CONTINUE TO HOLD ME HOSTAGE BECAUSE THEY FAILED TO RESPOND TO THE BANKRUPTCY COURT IN A TIMELY MANNER XXXX XXXXXXXX XXXX FOR XXXX XXXX  Original creditor : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX THESE ACCOUNTS WERE COVERED IN MY BANKRUPTCY PLEASE REMOVE THEM FROM ALL 3 CREDIT REPORTING FILES
Product: Checking or savings account

Bank Of America XXXX XXXX For ATM withdrawals, and over drafting my account making me pay fees to bring account current. After being a customer for 13 years they closed my personal account for being hacked and not giving me a chance to refute the situation. These years cover XXXX to XXXX. I also have a business account that is currently overdraft with fees that hasnt been handled.
Product: Student loan

My student loan was in forbearance last year and my first payment was to be paid XX/XX/XXXX. I have two loans that are to be paid on this date. One in the amount of XXXX and the second in the amount of XXXX. I scheduled with my bank for the payments to be sent on the XXXX of every month starting in XXXX. So on XX/XX/XXXX my bank sent the payments as scheduled. On XX/XX/XXXX I received a notification from my bank that a second set of payments were withdrawn from my account from Navient for the same XXXX and XXXX with then overdrew my account by XXXX. I went on my account with Navient and saw the account had been set up for autopay and my banking information was on the account. I never set up this autopay through Navient, I did not input any banking information nor did I authorize any autopay. I went to the bank and spoke with the branch manager and was told I can put a stop payment on the payment but I would have to incur a XXXX stop payment fee on each payment so it can correct itself. I also have to have the late payment affect my credit, when the autopay was never authorized in the first place. When I called Navient to speak to someone, I was just told by a recording the offices were closed until Monday at XXXX. If a business can take my money on a Saturday then they should be available on a Saturday.
Product: Money transfer, virtual currency, or money service

Paypal refused to close our account citing they needed 180 days to return our money and now my balance is XXXX citing charger for violation of acceptable use policy collectively Paypal is stealing almost {$4000.00} dollars from a XXXX veteran after making me believe for the last 6 months my money would be returned. surely this type of criminal activety wont be ignored.
Product: Debt collection

a few months back I noticed a decrease in my credit score so I investigated.I hired XXXX to look and they told me there was a collection action placed against me in XX/XX/XXXX by a company called United Accounts Inc. XXXX. So XXXX XXXX filed challenges with the credit bureaus and one has removed the item two remain. I also contacted United Accounts and was told this was supposedly a debt from an old landlord from XXXX This debt was paid in full by my father. We actually traded my living room furniture to the manager and he cleaned the apartment and washed the carpets. 
United accounts told me they received this debt in XXXX I then asked why I did n't receive a letter informing me of this debt, allowing the 30 days to challenge/prove I did n't owe it. They then told me that they sent a letter to the address I vacated I told them I was a student and never used that address I only used my home address and it was on the lease and I stated that the creditor should have provided that, At the very least when the first letter if sent was returned to them. I was then told they were not required to and eventually I would be forced to contact them with a collection item on my credit reports. 
This is when I filed the first complaint with your agency. I called your office last week and spoke to a gentleman there asking what happened because I just heard from a collection company in XXXX called XXXX attempting too collect on this.They told me the company that sent it to them was United Accounts. He then told me they very briefly responded to the complaint on XX/XX/XXXX stating they will send a letter to me and then apparently that closed the complaint. I informed him of this action by them and he suggested I refile a complaint and state all of this. By the way I have to this day never received any contact from United Accounts. So to sum it up United accounts received a paid off year old " debt '' and chose not to confirm this debt with me and when I filed a complaint very briefly answered it and never followed through with there answer but instead chose to punish me for filing the complaint by forwarding the debt to another collection company. This is XXXX!!!
Product: Credit reporting or other personal consumer reports

The following is a copy of a letter that I have sent to Equifax via Certified mail. 



XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA. XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 a ) 1 ) ( A ) & Section 611 ( a ) 1 ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 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. 

XXXX ) XXXXXXXX XXXX XXXX  XXXX # : XXXX Unverified Account XXXX ) XXXX XXXXXXXX XXXX 
XXXX # : XXXX Unverified Account * Please remove all non account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX XXXX