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

I am writing to express my concern regarding the automatic payments set up for my Synchrony Financial account. I had arranged for fixed monthly payments to be debited from my account on the XXXX of each month as the due date, considering the financial hardship and loss of employment that I have been facing. However, I have experienced significant issues with the automatic payment system, which have caused further financial strain and inconvenience. I proactively contacted Synchrony Financials customer service and requested to set up automatic payments for the fixed minimum payment due on my account. I provided the necessary information, including my banking details. However, despite the assurance, I have encountered the following problems with the automatic payment system. 

On multiple occasions, the automatic payments have failed to process as scheduled, resulting in missed/late payments leading to additional fees applied to account. I have diligently maintained sufficient funds in my account to cover the minimum payment, yet the payments have not been deducted as promised. As a result, I have incurred late payment fees and penalties, which have only exacerbated my financial difficulties. The amounts deducted have varied inconsistently from the agreed-upon fixed minimum payment due. This inconsistency has made it challenging for me to budget effectively and plan for my financial obligations. This has been very misleading and discouraging due to my current status of financial hardship it seems like this debt will never be satisfied and paid in full of this type of misleading advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  with the Fair Credit Reporting Act, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Account have 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose..
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding fraudulent and unauthorized credit inquiries that have appeared on my credit report. I did not apply for credit or give any company permission to access my report, and these inquiries were made without my knowledge or consent. The presence of these unauthorized inquiries is deeply concerning, as it suggests possible misuse of my personal information. These inquiries are negatively impacting my credit score and creating unnecessary stress and anxiety. I have not authorized any of these requests, and their continued presence is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

I want to ask for your help. I discovered that my Wells Fargo account have been stolen from by others, a total of {$7400.00} on XX/XX/XXXX. It has been stolen a total of 3 times. 1 ) {$2500.00} was stolen on XX/XX/XXXX. ( 2 ) {$2400.00} was stolen on XX/XX/XXXX. ( 3 ) {$2500.00} was stolen on XX/XX/XXXX. At 10 pm on XX/XX/XXXX, I found that my account was missing {$7400.00}. I immediately called the number on the back of the Debit card ( XXXX ). The person who answered the call said : We will investigate and gave my claim number : XXXX. She said the investigation will end in 10 working days and 30 days compensation. 

The second day of the investigation, XX/XX/XXXX. A letter came from Wells Fargo saying we are not responsible, we will not compensate, our bank can not withdraw money without a Debit card and password. The letter 's claim number is wrong, the date is wrong, and we are not responsible for what happened. I went to three banks to collect evidence on XX/XX/XXXX. The manager did not know at all, zero investigation. And yet they sent a letter to me saying they investigated and are not responsible for this matter, this is wrong of them, and blatantly lied to me. 

I personally went to the three branches to tell the manager about the matter and asked to view the CCTV and the written signature. The manager staff answered, " We can't do it. The record and receipt can't be provided. ID is not required for withdrawals below {$2500.00}. '' As long as the card and password are correct, money can be withdrawn from any account. Is the business management reasonable? Is it legal? How can I recover from my loss? 

Every time we come to our bank to withdraw money for more than {$1500.00}, the staff asks me to show my ID, but this time they stole {$7400.00}, and there's nothing. This bank is irresponsible and shirking. What is the name and address of the superior department of the management bank? How to deal with this matter and recover from my loss? 

My Debit card is always safe kept in my cabinet, and there is absolutely no leakage to others. It just hangs on XXXX to collect rent, and the money within it was stolen. The day after the tenant 's rent was transferred to the account the amount was stolen. What is the reason for this? 

I have always believed that the bank is safe, so it takes a long time to check the account. Please guide me on how to solve this situation and recover this loss. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly filed disputes with Transunion to remove inaccurate and incomplete information about me from my credit report. Transunion has ignored my claims and continue to violate my rights under FCRA. I do not know who the collection agency XXXX XXXX XXXX is nor have I ever been in any agreement to work with them. I asked Transunion to please provide evidence stating that I have signed any sort of agreement with this company. If Transunion cant provide this they must remove it from my credit file.
Product: Mortgage

Today I received a notice of default and I had not been previously contacted. The company just foreclosed. And now Im in a panic. This is my house. I fell behind because I was paying for caregivers to help take care of my Mom who had XXXX. And she died last year. Im still trying to catch up financially. I told loss prevention this. The lady told me youre loan doesnt qualify for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Security Credit Services continues to hold a debt in my name that is not mines. Per the records of request to have this item removed I have provided a physical copy of my passport as I do not have a license at this time as proof of Identity and I have also provided a copy of the police report and Affidavit. As requested for investigation I mailed this information within the 30 days of the document they provided me which is included in the documents in this package along with proof of mailed receipt showing delivery which is included. However after providing the documents requested via mail they have not provided any results of investigation and the debt still remains in my name even though Ive provided all the evidence theyve requested. In the previous complaint they stated that the ID was not legible so I have provided legible ID of my passport.
Product: Debt collection

I received a debt collection notice from Jefferson Capital Systems on or about XX/XX/XXXX. I responded to Jefferson Capital Systems on XX/XX/XXXX with a debt validation letter to verify that they've ( Jefferson Capital Systems ) contacted the correct individual and to request documentation confirming this. Within the letter I requested a copy of any contract or agreement signed with Jefferson Capital Systems or the original creditor and almost a year later I've yet to receive any verifiable documentation. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I subsequently requested the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

I formally requested Jefferson Capital Systems to cease and desist from collecting on this debt until validation of this debt has been verified. Additionally, I requested that they refrain from accessing my credit report or report anything to my credit bureaus regarding this debt. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report. 

Jefferson Capital Systems are attempting to unethically collect on a debt that is constituted as a violation of the FDCPA with no permissible purpose for accessing my credit file and or reporting to the credit bureau. 

In summary I dispute that I owe this debt to Jefferson Capital Systems. In the event this debt is transferred to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationwide Recovery has ceased collection on XXXX XXXX account for XXXX. XXXX  has not deleted it but it's been deleted from my XXXX  credit report.
Product: Credit reporting or other personal consumer reports

I am Filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds withing 24 hours stating the account is accurate without any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) -B, as highlighted in the CFBP recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provide consumers with the necessary proof on investigation. The are the account that I have marked inaccurate * XXXX XXXX XXXX XXXX XXXX XXXX XXXX and *XXXX XXXX XXXX XXXX XXXX XXXX with all 3-credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested for a security alert to be removed from my credit report. I have provided copies of passport, drivers license, insurance forms, bank statements. They completely ignore my request or request the exact same documents over and over. I want punitive action taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written a request to Equifax Credit Reporting sgency, requesting for unauthorized inquiries to be removed from my credit file. As of today, my reguqest has not been granted. The listed inquiries are all unauthorized and shall be removed.
Product: Credit reporting or other personal consumer reports

A collection company XXXX XXXX XXXX acting for XXXX XXXX claims a debt is mine and has added an address that I have never lived at as an address on my credit report. As the debt is linked to that address and I have never held any type of residence at that address, and the collection company was the one that had the address added, it stands that the debt is not mine and is somehow being linked to me. I will not initiate discussing with a collection company for which I have absolutely no responsibility. Save for this added to my credit report I have never had any unpaid debts, at best this is an error and or a fraud perpetuated by someone else. I have no documents to upload or include as I have absolutely NO CONNECTION to the issue. After reporting to the CFPB, XXXX Credit Bureau reinvestigated and corrected my report and deleted the error.
Product: Debt collection

I have no idea who you are and I do NOT owe anything to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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
Product: Credit card

This complaint seeks action to compel Capital One Financial Corporation to fulfill its legal obligation under Internal Revenue Code ( IRC ) Section 6050P by issuing Form 1099-C, Cancellation of Debt for an account that it has reported as charged off. Despite my formal request on XX/XX/year>, Capital One has yet to provide this form, hindering my ability to manage my tax obligations and accurately represent this debt to relevant authorities.

Description of Violation : Under IRC Section 6050P, any lender who discharges or cancels a debt over {$600.00} is required to report the cancellation as income by issuing Form 1099-C to both the debtor and the IRS. Since Capital One has classified this debt as charged off, it has effectively treated the debt as uncollectible and subject to discharge for reporting purposes. The issuance of Form 1099-C is therefore necessary to document this cancellation of debt as taxable income.

Without this form, I am unable to meet my tax filing obligations accurately, nor can I fully clarify the status o
f this account with relevant parties. Additionally, the absence of Form 1099-C makes it challenging for me to address this accounts reporting with credit bureaus, as the outstanding balance on a charged-off account appears inconsistent with Capital Ones classification of the debt. 


Thank you for your prompt attention to this matter. I am prepared to provide any further documentation needed to assist in your investigation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received a text message stating a bank of America edd card was needing my information to activate this card to transfer in my account. 
It sent a link to fill personal info. 
I called bank of America and they said it was a scam.
Product: Debt collection

Portfolio Recovery Assoc is a collection agency that has been paid. I have tried disputing their account multiple times due to their illegal and inaccurate reporting, yet it remains. This collection company is reporting this account as open, though it 's been paid for numerous years. They have it listed under installment accounts as though it was a cc though I never had a CC agreement with them, it was with XXXX XXXX, the company they bought the debt from. They list a high credit amount as though they 're a CC instead of a collection agency. They list dates of serious delinquency like a CC. All tactics that as a collection company they are not allowed to use and if I remember correctly, they have had lawsuits filed against them in the past for these same illegal tactics to extend the damage they can do to consumers with regards to their credit long after the debt has been paid.
Product: Credit reporting

I received an alert from a credit monitoring service of a credit inquiry to Experian initiated by XXXX XXXX, which I did not approve. I have not been able to reach anyone at XXXX XXXX or Experian to resolve the matter.
Product: Credit reporting, credit repair services, 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 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 has violated my rights. Or 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.
Product: Mortgage

None of the loan servicers/mortgage owners have produced one stitch of documentation, original or otherwise, regarding my mortgage. Currently, I am being bombarded by Ocwen Loan Servicing. They send me notices about everything in the world, except some acceptable resolution. Now that the real estate market has improved, they simply want the property for purely their own benefit. I was caught in a downward spiral as a result of the financial crisis. I have recovered somewhat, but these people refuse to even enter into a dialogue. Any assistance you are able to extend, would be welcome. I am XXXX years old, and find it difficult to fight a large financial institution, by myself. My E-mail address is : XXXXXXXXXXXX. Thank you in advance!!
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, I notice a few discrepancies and inaccurate information being reported on my XXXX XXXX 1. The account type on XXXX and XXXX shows an Auto Loan but on Equifax it appears to be blank. 
2. The open date for XXXX and Equifax shows XX/XX/XXXX but XXXX shows XX/XX/XXXX. 
3. The balance on XXXX and Equifax shows {$9.00} but XXXX show {$0.00} XXXX. The day active date for XXXX was XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. 
5. The last payment date for XXXX shows XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax- XX/XX/XXXX. 
6. The report date for XXXX is XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. 

You are furnishing inaccurate information to my consumer report. 


You are in clear violation under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( 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: Debt collection

Paypal repeatedly calls me from an unlisted number sometimes XXXX times a day. Sometimes XXXX to XXXX minutes after the XXXX call. I answered the call once to see who it was. It always comes up as " Unknown '' on my phone so I generally refuse the call from such numbers. 
They said they were collecting a debt from PayPal, which I do owe. I said I know about the debt and that I would try to get a payment said thank you and goodbye. 
They still call me repeatedly, the only way I know it 's still them is the voicemail they 've left maybe XXXX times. Most times it 's just repeated phone calls from " Unknown ".
Product: Mortgage

XX/XX/XXXX : NC DOJ # XXXX Financial Fraud Section XXXX XXXX ( XXXX ) case number XXXX OCC Case # XXXX NCCOB # XXXX # XXXX " I have been attempting to address this matter since XXXX, your help in promulgating closure regarding the XXXX escrowed funds that were never forwarded, once sold, to Nationstar Mortgage would be readily appreciated. I maybe contacted by phone, XXXX, or by mail at the NJ address provided until XX/XX/XXXX due to elderly parent 's individual personal matters. I have an upcoming XXXX XXXX County Court hearing scheduled and expedited pertaining to this situation. 


Escrow issue : XX/XX/XXXX - XXXX XXXX XXXX - closing for XXXX XXXX and XXXX XXXX XX/XX/XXXX - Erroneous paperwork - Mortgage sold to XXXXXXXX XXXX XXXX- XXXX sold financial investment to Nationstar Mortgage Escrowed funds never transferred with applicable interest from XXXX. 

The consumer concern regarding the Mortgage transferred from XXXX XXXX is clear. I never received confirmation of Mortgage Servicing Rights once the transfer was completed after the XXXX NCCOB was filed. It is of the utmost importance as I am currently addressing an identity theft case pending in XXXX County. A previous tax filing by accountant unearthed a XXXX document disclosure discrepancy. ''
Product: Debt collection

On XX/XX/1922 I received a letter saying I owe XXXX {$170.00} and American Corsairs International LLC was trying to collect the debt. I contacted XXXX and they said I dont have any outstanding debts nor do I have an account number what is stated in the debt collector letter.