23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My longest credit card is with Wells Fargo but it was a college card so they told me to open a new account to keep my credit history. I did and then they automatically renewed my old card to a new non-college account and my credit took a hit and now I have two credit cards. I went into financial hardship and tried to make the payments but couldnt afford them. WF didnt help even when I asked for help and my cards were maxed out and reported to collections and tanked my credit.
Product: Checking or savings account

I was trying to get my money back from Wells Fargo and get a different kind of account so that I can be able to do what I need for my self with my money
Product: Consumer Loan

NISSAN MTR ACCEPTANCE, AFTER MANY DISPUTES FILED BY US, TO CORRECT HAS NOW REENTERED A CHARGED OFF DEBT VIA A COLLECTION CO. " XXXX FOR XXXX. THIS WAS XXXX XXXX TOTAL LOSS PAID BY XXXX AND THE GAP INSURANCE WE PAID FOR.2010 JUST SURFACED NOW. ALSO XXXX IS RUINING MY CREDIT THEY WERE PAID OFF BY XXXX DEALER IN XXXX WHEN WE TRADED IT IN. THEY ARE SAYING THEIR PAYOFF WAS NOT RIGHT, AND WE STILL OWE XXXX?. I WANT THESE NEGATIVES DELETD TILL RESOLVED. PLEASE HELP XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX  XXXX XXXX XXXX Balance XXXX {$6500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

CFPB Rebuttal Against XXXX for Unlawful Credit Reporting After Issuing a 1099-C Complainant : XXXX XXXX Respondent : XXXX XXXX XXXX XXXX 
Case Reference : CFPB Case # XXXX Summary of Violations XXXX has acknowledged that it issued Form 1099-C for the tax year XXXX ( sent in XX/XX/XXXX ), confirming that the debt was legally canceled and reported to the IRS as income. Thus, have not received the physical 1099-C to report as INCOME on my taxes. Despite this, XXXX continues to report the account as a delinquent charge-off on my credit report. This action is a direct violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and IRS regulations regarding cancellation of debt. 

Violations & Legal Arguments 1. FCRA Violation Inaccurate Reporting After Debt Cancellation ( 15 U.S.C. 1681s-2 ( b ) ) XXXX is furnishing inaccurate and misleading information to the credit bureaus by continuing to report the account as an outstanding charge-off. 
A 1099-C designates the debt as canceled income, meaning it can no longer be reported as a liability on my credit profile.

Credit reporting agencies are required to maintain accurate information under 15 U.S.C. 1681e ( b ). By refusing to delete the tradeline, XXXX is contributing to defamation of credit and causing financial harm. 

2. IRS Violation Fraudulent Debt Reporting After 1099-C Issuance Under IRS Publication 4681 & 26 U.S.C. 6050P, once a creditor issues a 1099-C, they have written off the debt and forfeited their right to collect or report it as outstanding. 
Reporting a canceled debt as due is considered a form of double taxation and fraud because the debtor is already required to claim it as income on their tax return. 
I have filed IRS Form 3949-A to report this potential tax fraud. 

3. FDCPA Violation Unfair & Deceptive Practices ( 15 U.S.C. 1692e & 1692f ) By falsely reporting the account as due after it was canceled, XXXX is engaging in false, deceptive, and unfair practices. 
FDCPA 1692e ( 8 ) prohibits creditors from misrepresenting the legal status of a debt.

FDCPA 1692f ( 1 ) states that it is unlawful to attempt to collect an amount not permitted by law. 

4. Arbitration Clause & Breach of Contract XXXX response references mandatory arbitration under their Cardholder Agreement. 
By failing to initiate arbitration before litigation or collections, XXXX has waived their right to arbitration and violated their own contract terms. 
I demand immediate arbitration under the XXXX XXXX XXXX ( XXXX ) and will be filing for damages related to unlawful credit reporting. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express and XXXX XXXX keep reporting negative remarks on my credit report. My Chapter XXXX was back in XXXX 2011. When I do get it removed it comes back in a month, especially if I apply for a loan. I feel this is unfair and abusive power that they have with credit agencies. Thank you XXXX XXXX
Product: Mortgage

THIS COMPLAINT IS AGAINST BSI FINANCIAL My loan was transferred form Round point Mortgage to BSI Financial on XX/XX/2021. When the loan transferred it had already been modified. I signed the modification documents in XXXX and it was the partial claim was recorded on XX/XX/2021. All the payments I have been making are not going to the correct months and it is still showing I am past due for 280 days. I have made several attempts to resolve this with BSI and they will never put my single point of contact on the phone. I call at least three times a week and never get a response. Customer serive always tells me that the modification is pending and my point of contact is not available. At first BSI claimed they were missing the recorded document, so I sent it to them. Now they are saying the FHA is not approving the loan and I only know that information from customer service. My loan has been with the going on 6 months and I can not refinance or take advantage of the lower rates on the market because they are reporting that I am not current on my payments. It is impossible to communicate with the people in this company and receive answers. I have called and emailed all supervisors with no response.
Product: Credit reporting or other personal consumer reports

The credit reporting agency funished debts that are paid and have not been validated or verified and inquiries that have no permissable purpose on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two accounts on my credit report that DO NOT BELONG TO ME. I have tried reaching out to the bureaus as well as the furnishers but have received no response back these accounts are not mine again. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account
Product: Mortgage

Made XX/XX/XXXX Mortgage payment at Branch XXXX at XXXX XX/XX/XXXX cash payment received collection calls that afternoon, evening and Friday through out the day. I called bank escalated call to be told payment received but was not posted. Zero explanation provided advised that department had gone for the day. Was advised posting problems occurring within banking system. XX/XX/XXXX and the payment still shows on wellsfargo site as received and UNAPPLIED. 
Well Fargo sent me a statement and it also shows payment received XX/XX/XXXX and UNAPPLIED. Its now been 10days that Wells Fargo has FLOATED my funds as prt of their cash flow because theyve FAILED to apply my money to my mortgage. I dont care that Wells Fargo claims they will properly apply my payment and ensure its properly reported to credit bureaus. I care that Wells Fargo has BORROWED {$1400.00} of my money and most likely countless others to bolster their cash reserve numbers without permission nor compensation to those of us whose money WellsFargo has high jacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I had a bill from XXXX XXXX from an appointment with my doctor. Service date was XX/XX/XXXXXXXX XXXX  and amount was {$300.00}. I paid this bill in full in person at the doctor 's office on XX/XX/XXXXXXXX XXXX with my credit card and received a paper receipt from the front office person who processed the payment. 

In XX/XX/XXXXXXXX XXXX  I was contacted by XXXX ( debt collector ) and was informed that this bill was sent to collection by the hospital as they thought I haven't made the payment. My credit score was also affected at that time from this illegitimate charge. On XX/XX/XXXXXXXX XXXX XXXX XXXX made several calls to XXXX and XXXX XXXX to dispute the charge and try to resolve the issue. I was told by both XXXX and XXXX to fax them proof of payment. I faxed both of them the receipt and my credit card statement on that same day XX/XX/XXXXXXXX. I never heard back from either of them if anything else was needed. 

Today XX/XX/XXXX I received a call from another debt collector, TSI, and they informed me that XXXX had sent this same bill to collection once again. I informed TSI over the phone that this amount was already paid in XXXX XXXX  TSI told me to fax them proof of payment and that this will be communicated to XXXX. Again, I faxed TSI the receipt and credit card statement on the same day XX/XX/XXXX and have not yet heard back from TSI or XXXX XXXX so far. This is an unacceptable business practice resulting from XXXX XXXX inability to verify a legitimate payment that was made directly at their own facility. This is causing me unnecessary stress and I shouldnt have to spend my own time and resources to try to fix someone elses mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

About XXXX my mom submitted a request to Synchrony Care Credit to give me account access to her card for medical care if I should ever need it. 

She said she NEVER gave them my SSN and she NEVER clicked on anything that said it was ok for them to put her charges on MY credit report, but that is what happened. Her credit card of almost {$1100.00} showed up on my account! 

I got an alert and called them immediately but had a hard time figuring out where that charge came from. They hinted that maybe someone would have opened this account in my name and that's when I called my mom. She verified that she requested me a card but had no idea they would put her charges on my account. Then about XXXX, she called and told them to remove that from my credit report because it is HER debt, not mine! They said they would but they didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hello, I have unauthorized hard credit inquires on my credit report in which I did not authorize I would like them removed, according to the FCRA these unverified and unauthorized items must be removed. Section 605B states it is illegal to report anything on my credit report without my permission. 
- 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Credit Monitoring notified me of I C System incorrectly reporting a {$700.00} collection account when I have never even heard of I C System. I have never received a single phone call or a single letter from I C System. This, of course, is in direct violation of the FCRA. 

I C System reports XXXX as the original creditor to XXXX. This is entirely FALSE. I have never once been late with my XXXX  account which has always been in GOOD STANDING. 

In fact, {$0.00} balance is due as the actual balance of only {$6.00} which was not due until XX/XX/20 has already been PAID IN FULL more than two weeks in advance. The next regular bill is NOT DUE UNTIL XX/XX/20. 

Either I am a victim of IDENTITY THEFT or I C System is fraudulently attempting to collect a balance that is NOT DUE. 

I called the number that XXXX  provided for I C System and no live person answers. A recorded message repeated itself before the call disconnected. 

There is {$0.00} due to XXXX and certainly there is {$0.00} due to I C System, whoever they are. 

I would like to know why they are fraudulently attempting to collect an amount that is not owed, why they have failed to send a single letter regarding their fraudulent collection effort and why they failed to make a single phone call regarding their fraudulent collection effort.
Product: Debt collection

Commonwealth Finance has placed illegal derogatory information on my credit report. I have contacted them by mail about this matter on several occasions, but they have ignored my request to validate the said debt or contract that I owe to them. I have absolutely no knowledge of this debt. According to my rights under HIPPA they are in serious violation of the law. There has never been any type of relationship between this business and me. This very lewd act is punishable by law. Date XX/XX/17 Amount {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this creditor and the credit bureaus on multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to get a response to my disputes. the Tradeline is outdated and paid in full. I would like the negative tradeline remove from my credit report.
Product: Credit reporting or other personal consumer reports

I just discovered unauthorized inquiries on my credit report this morning and have no idea how they got there. After routinely checking my report, I noticed these unexpected discrepancies. I even refreshed my browser to rule out a glitch, but the issues persist. I urgently request a thorough review of the documents I've submitted to ensure this matter is resolved quickly and I can stop worrying.
Product: Credit card or prepaid card

Capital One has been charging me late fees and interest fees while also restricting my use for several months. My account was compromised a few months ago, and after I reported it, they did very little to solve/return the amount. For a few months now I had been paying the credit card past due amounts but it was never moving because they were also charging me interests. Every time you attempt to call, they always make it impossible to help and the customer service people are very difficult to understand and never understand you. Plain simple, they are finding all they can to just keep charging interests and fees and not waive any of their mistakes.
Product: Credit reporting or other personal consumer reports

I do not recognize this account and believe it to be fraud or belong to someone else. 

XXXX XXXX {$3700.00} Opened XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inquiries XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

Also I need to update my tuition assistance bill I paid XXXX but its not on the report. I will attach all information I already have a XXXX XXXX card i didn't apply for a 2nd one and the others I have no clue. Im looking for a mortgage but these are not mortages. Please dont add a fraud alert it doesnt help anyway. I need to get a mortgage so I dont want a fraud alert. Please I dont know whats going on. Please remove these 4 inquiries and update my tution assistance balance to XXXX
Product: Checking or savings account

Citibank has been aggressively marketing a Citi Accelerate Savings Account.  On XXXX XXXX I decided to open an account and fund it with savings from my non-Citi bank account.  As soon as I opened the account I noticed that I did not get any email confirmation that the account had been opened.  Concerned that there was no documentation of the transaction, I called and decided to close the account that same day.  The next day I get a call from my regular bank telling me that Citi had withdrawn money from my account.  I called Citi (not easy to do) and spoke to a New Account Supervisor XXXX #XXXX. She said that because the account was closed, the money went into a "subledger account"  I could either wait 4 days to have the money redeposited in my bank account, or she could try to reopen the Citi savings account and deposit the money there.  4 days later she calls and says that I should expect the money to be deposited in the new account.  I checked the citi savings account and the balance was XXXX. I called XXXX and spoke to 3 people, the first two apologized and "disconnected me" finally the 3rd person (XXXX #XXXX) connected me to another supervisor, XXXX  (#XXXX) who said that she never heard of XXXX. She would have to put in a request and I would have to wait.  I asked her what would happen to my funds if this is not resolved.  She said that Cit would send the money to abandoned property and I would lose it.  It's been 14 days and I am concerned that I am stuck in this loop where they keep bouncing me around, giving me excuses, and avoiding the return of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting Inaccurate information on my credit report. 
TransUnion File Number : XXXX Date Created : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Order attached. 
XXXX XXXX XXXX Account Information, XXXX Balance {$100.00} Date Updated XX/XX/XXXX High Balance {$100.00} Original Creditor XXXX XXXX XXXX XXXX  This is a insurance payment already paid. I got coverage at auto dealer, when buying a car on XX/XX/XXXX. I cancelled policy with XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I sent an email to XXXX XXXX cancelling policy # XXXX XXXX. XXXX XXXX  need to provide validation for debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 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 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  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. As required, FCRA 611 ( a ) ( 7 ) I am requesting to provide ALL information used for the investigation.Below are the items that do not belong to me that you continue to report erroneously. 

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 Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per the FCRA you are required to provide this information within 15 days or DELETE the negative items from my credit report.Please note that I am taking this matter very seriously and in fact do demand that you follow the law, in its entirety,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each Credit Buruea about the inaccurate reporting of the Bankruptcy they do not meet the guidelines set forth to report this on my credit file, XXXX is the only Buruea that has acted accordingly to the rules and regulations, they stated this information was provided by a 3rd Party, therefore I would like the other 2 Burueas XXXX and TransUnion to remove and delete the Bankruptcy as well off my credit file. I have contacted the Bankruptcy court and they responded they do not provide this information to the Burueas or 3rd Party Agencies. Ive sent several letters asking them to dispose of this on my credit and they keep saying they verified it, which is not true.
Product: Credit card

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, states I have the right to privacy, 15 USC 1681, section 604a, section 2, also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late for any purpose.