23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute this account that appears on my credit report. FAMILY SUPPORT DIV XXXX XXXX # XXXX I believe that this information is inaccurate and should be removed from my credit report. 
Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 

These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report.

As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.

Therefore, I respectfully request that you review your actions and policies to ensure that they are in compliance with the aforementioned court ruling and all applicable laws and constitutional principles. If any of your actions or policies are found to be in violation of the ruling, I request that you take the necessary steps to bring them into compliance.

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I bought some jewelry a couple of years ago at XXXX XXXX. I was told that it was 0 % interest for a certain period of time ( XXXX XXXX XXXX XXXX ), Nothing was mentioned that if it was not paid in full that I would have to pay cumulative interest. I didnt even know cards like that existed. I just figured I would pay interest on the remaining balance if it was late. In XX/XX/2021 a few days before the promotion was over I reached out to them to get my account number. I wanted to transfer the remaining balance ( approx {$900.00} ) to a 0 % interest credit card. I needed my account number to do the transfer. They did not provide it to me. I also called and they dont provide account numbers over the phone. The also said it would be mailed to my home in my monthly bill. That doesnt help me because my statements are paperless. I could not find the account number online. I feel like they withhold the number to prevent people from transferring their balance. The other night saw a huge increase ( approx {$3000.00} ) in my statement. This is when I learned the interest charged was cumulative. That night I took money out of my savings and paid the remaining XXXX plus balance. I didnt pay the {$3000.00} interest. I was hoping they would be reasonable and see I paid off the interest free balance. I cant believe credit cards like this are legal.
Product: Debt collection

I was a victim of Identity theft and someone used my information at an ER in XXXX  XXXX Oklahoma. I got in touch with the hospital and the person showed no ID and left against medical advice. I have provided all information requested by XXXX to have this removed as Fraud and requested a follow up of the removal over 30 days ago with no response, I would like this removed as it has a negative effect on my credit and is not a valid debt
Product: Payday loan, title loan, or personal loan

I have a buy now pay letter loan with Klarna that I was intending to payoff in the 3 months before interest kicked in. It is for a 24 month term and I intended to prepay in bigger than minimum payments as the truth in lending disclosure states there is no prepayment penalty. 
When I went to make a bulk payment of {$1000.00} I wasn't allowed. I could either make the minimum payment of {$98.00} or pay it in full for {$2000.00}. 
I reached out to customer service to say I wanted to pay as much as I could before interest kicks in and they told me I had to make seperate {$98.00} dollar payments each week instead of a partial of a XXXX. Doing this would mean I would have to pay them interest on a much larger balance. This is cumbersome and it only lets you make one payment per week which means I wouldn't even be able to pay {$1000.00} in the month. Making it nearly impossible to pay the loan off before accruing interest. 
This is an unfair, deceptive, and abusive practice. They put everywhere, prepay to not pay interest, that is their whole scheme- yet when you go to do it you get pushed into paying them interest by not realizing you can't make bigger payments to make that possible. 
This lender is negligent and causing harm to consumers by overcharging them interest by not allowing them to make partial payment.
Product: Mortgage

To whom it may concern, I believe that my mortgage company committed fraud to get my loan approved by forging my signature to XXXX documents stating that I did not have a car loan when I do. They are now trying to bully me. I have obtained an attorney but wanted to do my due diligence and report their actions to the property authorities. I have attached documentation to prove my case. You can clearly see that there are XXXX different signatures.
Product: Mortgage

My name is XXXX XXXX. I'm in the process of refinancing my home. Unfortunately when the title company ran my info the following lien / loan appeared and I do not recognize it. This mortgage of {$15000.00} has been outstanding since XXXX. Nobody contacted me to pay them back and it does not show up on my credit report. The title company will not remove it until they get permission from who I do not know. I tried calling the companies involved but it was sold to HSBC. I tried contacting them but they were bought out too. I tracked this loan and it has been bought and sold at least 6 times and when I contacted them they are telling me the loan does not exist with them. I tried everything and now I'm reaching out to you regarding this situation. Below is the response I received from HSBC : We are not authorized to release the lien as servicing was transferred to XXXX XXXX effective XX/XX/XXXX. XXXX was acquired by XXXX, and subsequent its assets were acquired by XXXX XXXX XXXX XXXX. Please contact its servicer XXXX XXXX servicing at XXXX XXXX XXXX, XXXX, SC XXXX, Ph. XXXX. 


Name XXXX XXXX Address XXXX XXXX XXXX XXXX NY XXXX Tele XXXX XXXX XXXX Date of Origin XXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX Recorded XX/XX/XXXX Title # XXXX Liber XXXX Page XXXX
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
I am not liable for the debt associated with XXXXXXXX XXXX XXXX  Texas. I do not have a contract with XXXX XXXX XXXX XXXX, and they have not provided me with the original contract as requested. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX
Product: Credit card or prepaid card

I have contacted the credit card company and the store the dispute is open with. CitiBank is refusing to talk to me over the phone to dispute. They are not disclosing information as to why I have not been credited. Citibank is refusing to credit a dispute with documented information stating a refund is owed. They are refusing to respond and are refusing to look at the claim further. I have contacted them biweekly over the last 8 months seeking a resolution. I have been hung up on constantly and been refused to speak with the team actually handling my case. This case started in XX/XX/2020 and is still in dispute XX/XX/2020. I have asked for managers and no one is letting me speak to anyone other than a customer service agent who is refusing to even waive the interest charges on a disputed item.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROMWHAT I AM ASSUMING IS A 3RD PARTY THAT PURCHASED THE LOAN FROM REGION FINANCE AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED XXXX XXXX/ EXPERIAN AND NOE OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.
Product: Student loan

My private student loan was placed in default when I filed for bankruptcy in 2012. After it was placed in default, it was charged off. I recently reviewed my credit report because my score was decreasing and I discovered that the private student loan has current activity and is reporting that it is passed due. If the private student loan was charged off the creditor can not start reporting current collection activity. This private loan should remain in charge off status and not revert to past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect late payment reported on my credit report for " 30 days late '' on a mortgage payment with XXXX XXXX XXXX in XX/XX/2019. I called XXXX XXXX XXXX and they said that they did not report me as late. I was not late with my payments, I was always on auto pay, and also this account has been paid in full for over a year. Loan was # XXXX. I discovered this error through Experian, and I don't know which, or if all XXXX, credit bureaus have this incorrect information.
Product: Credit card or prepaid card

MY PRIVACY WAS BREACHED BY USAA. See attatched XX/XX/XXXX transactions of XXXX. USAA IMPERSONATED THIS MERCHANT PLACING THESE NEW PURCHASES AS XXXX. These are not transactions from XXXX. ( Someone used my private data from XX/XX/XXXX CREATING NEW PURCHASES I DID NOT PURCHASE AND XXXX DID NOT CHARGE. ) Kindly Note Referance # of the XX/XX/XXXX ( F ) ALL BEGIN LETTER F for previous fraud. WHO PLACED THESE UNAUTHORIZED PREVIOUS FRAUD TRANSACTIONS DUPLICATE OF XXXX FRAUD OF XX/XX/XXXX?? ON ACCOUNT XX/XX/XXXX??? XXXX MY PRIVACY WAS BREACHED BY USAA. USAA PLACES AND CREATES FRAUD TO CONSUMER ACCOUNTS PRETENDING TO BE MERCHANT.
Product: Credit reporting, credit repair services, or other personal consumer reports

All problem started when my passport and credit cards were stolen several years ago at the airport. I submitted police reports, new passport etc. to XXXX but it fell through the cracks as the specific airline went out of business and it was reported as write off of {$690.00} ( it accumulated interest ). I took XXXX to court upon returning to US and we signed an agreement that they will fix the reporting within 30 days of the agreement and it will be reported as always paid on time. I have court papers and in contact with XXXX attorney XXXX XXXX who's contact information was also submitted with the dispute. Im in touch with him as of this moment. 

I submitted disputes and court papers to all agencies and all corrected the reporting except Experian which claims they verified the information and keep reporting it negatively. How is that possible???? I just tried calling Experian, was on hold for 55 min before someone by name XXXX answered and put me on another hold which said at least 45 min wait ... I simply can't do it ... I have the actual reporting from XXXX attorney dated XX/XX/2019 XXXX submitted here ) which confirms that XXXX has been reporting everything as paid on time. I don't know what's wrong with Experian and what kind of people they hire, I only know is very frustrating, time consuming and it has to be fixed and I must be compensated for the mess they are causing. It causes me financial hardship and sucks up my time and energy. I feel like I'm banging my head against the wall. Experian practice is unprofessional, incompetent and they should be shut down.
Product: Mortgage

Another Lie again from Mr. cooper They claim they're sending resolution letters when they are only acknowledging the complaints to only stall then ask for redundant information that was already supplied .. they had 1040 already on file from prior years they had itemized information from my unemployment when the total income provided from the government itself 4056t was signed yet in XXXX when i provided updated income after they waited for the XX/XX/XXXX mod to expire then the next year they say they still needed a 1040 when i haven't even filed taxes for that year so all the information would have been provided on the prior 4056t showing nothing was filed yet they kept up with the narrative that they NEED my 1040 along with the same documents less than 60 days from a person with a fixed income from the government. I email MR cooper and told them i would agree to a modification but im not incorporating extra interest cause it wasnt my fault on the delay and they have lost paper work or lied since the beginning BECAUSE OF THIS COMANIES hard stance i had. Where in these letter dated on the days they say do you se a RESOLUTION??? Its more trickery with words and schematics because time and the government is always on their said All of the of these DENIAL DAYS ARE MISLEADING since XXXX Mr cooper has YET to produced a complete concise modification documentation that shows all instruments that were necessary to consider my worthiness but they supply a lot company propaganda that keeps them marginally compliant within the definitions of federal and state laws where do these resolution letters fall within the 1024.35 Error resolution procedures. statutes?? Because MR cooper says the magic catchphrase we determined that no errors are committed all is forgiven and lets proceed with our cover up and designed foreclosure process Mr cooper You need extra time to pull documents that should be readily available on your server? You disingenuously send form letters in attempt to show you're compliant but its just that you're a PROFESSIONAL SWINDLER if its not a 4056t you need a 1040 if not that you need a hard ship affidavit or you need income and all this is being SUPPLIED DIRECTLY TO YOU AND YOU STILL DROP THE BALL .... these attachment show on the day cooper claims i got a " resolution letter '' it was just acknowledgment of complaint and when deadlines were needed to be met I MET THEM and then they allowed this to be drawn out and then i got very upset about the lost of time and the accumulated interest and after EVERYTHING I ENDURED I HAD ENOUGH OF THIS!!! 


please MR COOPER SHOW ME WHERE THESE " RESOLUTION LETTERS '' RESIDE ON YOUR PLATFORM I SEE COMPLAINT ACKNOWLEGEMENT LETTERS COME ON USE YOUR BIG BRAIN AND TELL ME HOW THIS ISNT MISLEADING AND HOW YOURE NOT TRYING TO FABIRACTE THINGS TO YOUR OWN END MR COOPER
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. His information was used to establish an account with TD Bank/Nordstrom and a balance of {$110.00} was placed on the card obtained. A formal dispute of this account was made XX/XX/2017 however as of this date TD Bank/Nordstrom has failed to provide an update as to the status of this disputed account as is their obligation under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit with Experian, XXXX, and XXXX for the last few months and while some stuff was removed, a good bit was still there. I asked them to provide proof of debt owed and neither them or the debt collector has provided me any proof via mail of account information, contracts, signatures, etc. This is unacceptable because it's illegal to have wrong information on my credit report.
Product: Credit reporting or other personal consumer reports

Experian 's 'response ; to the original complaint ( XXXX ) was not a true response. It described what a credit freeze is ( which I knew, as my complaint was that I could not request a credit freeze online ), it provided reasons one might request a credit freeze, and it suggested that I mail information to Experian that would have opened myself up to identify theft.

In short, the earlier response was no response at all, just a refusal to address the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent XXXX, XXXX, and Experian a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.
Product: Credit card or prepaid card

On XX/XX/XXXX, I bought a {$1900.00} ring at a XXXX XXXX XXXX with their sponsored XXXX   credit card. I noticed the store charged me incorrectly so I took back the purchase and returned it and then recharged the card for the purchase. It's been a month and the XXXX  card company still hasn't refunded the original {$1900.00} purchase and they keep saying they are investigating for a month now when a three minute phone call to the store would solve the issue. Furthermore, I set up a payment of XXXX dollars to pay what I should owe, and they somehow took XXXX from my bank account without my authorization! Now they won't let me delete my bank account in order to wait until they fix the amount owed and therefore the payments. This is XXXX dollars I do not owe and an unauthorized payment increase! Please help!
Product: Checking or savings account

I opened a business checking account with US Bank and made use of their offer whereby I would get a {$750.00} bonus if I were to complete certain activities as described on their website. 

The terms clearly stated the following : To earn up to {$750.00}, open a U.S. Bank Business Checking account using a promo code and complete the following activities : - Open a U.S. Bank Business Checking account ( Silver, Gold, Platinum ).

- Deposit {$5000.00} or {$15000.00} in new money within 30 days of account opening and maintain your balance for 60 days.

- Enroll in the US Bank Mobile app I deposited more than {$15000.00} and maintained the balance for more than 60 days but my bonus was not given to me. I reached out to US Bank and lodged a complaint whereby they informed me that I had to ALSO login to my US Bank Mobile App with my business checking credentials.

It was not at all clear from the promo materials, or from the language that I had to do the above. I already had created my account with US Bank as I'm their consumer checking account customer as well, and as soon as I opened my business checking account it started showing up in my Mobile App upon login. I had no clue that there's a different login and password that I have to make, or to login in to the Mobile App via that.

Ultimately, someone from US Bank reached out to me and acknowledged that I should have been given the bonus and escalated the issue internally. After a few days, a bonus amount of {$500.00} got posted to my account. Upon raising the issue again that I should have gotten an amount of {$750.00}, the US Bank representative informed me that I only qualified for the {$500.00} bonus since I had not deposited the {$15000.00} amount and maintained the balance for 60 days. This statement was absolutely false.

I opened my account and on the second day itself deposited more than {$15000.00} and maintained that balance for more than 60 days so I should qualify for the full {$750.00} bonus. However, US Bank and its systems are not working properly, and neither are their employees, whereby I'm not getting my full bonus amount credited to me.

This is a huge issue and hasn't been resolved even after a lot of correspondence with the US Bank team. I'd like to formally lodge this complaint so that I can get my dues posted to my account asap. Thanks! 

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

Capital one quick silver claims they update with credit bureaus every 30 days but its not true they reporting based off when they statement month start and ends which is cause me an issue because I paid credit balance off in full XX/XX/2020 and Im being told they cant update credit report with bureaus again until XX/XX/2020 when it should be reported XX/XX/2020 since it was paid in full in previous month of XXXX so Im taking another hit to my credit report coming off the pandemic where I already took so many hits to the report its bad business and as a consumer is causing me to be limited in what actual can obtain because my credit report is still showing delinquent when it shouldnt