23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2021 I called collections to clarify the validity of bill and ask for an itemized bill as this bill was previously disputed and no further action had been taken. A woman by the name of XXXX, had explained that my bill came from XXXX  and the date, and this amount $ XXXX but couldnt tell me what the amount was from. She stated I would need to sign a waiver to give them permission to get my medical record. When I asked if they had a medical professional working on that office she got upset. I asked to speak with her supervisor. A woman by the name of XXXX got on the phone and repeated what the first woman said. So I told her it made no sense to release my medical records to them if they didnt have a medical professional in the office to decipher medical jargon and shorthand. She got rude and threatened that I would need to pay the bill or go to jail and or court which ever came first and then hung up. 
I never received anything else in writing from them or phone calls. Then I was approached by a sheriff XX/XX/2021 about another bill and since I refused to give him personal information he stated I hope they garnish EVERYTHING you have. 

I do not appreciate the method of recovery and being harassed by law enforcement for this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX 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.
Product: Credit card or prepaid card

In XX/XX/XXXX we disputed charges on our American Express corporate account. Amex asked us to obtain information from the merchant, which was XXXX, but we informed them that the merchant would not answer our questions because the charges were made with our card but not on our company account. AmEx told us they would investigate. Way, way later, in XX/XX/XXXX, we learned that Amex had closed the dispute, having done nothing to contact XXXX, and having communicated nothing to us. We asked them for the reason they closed the account. They sent us an email dated XX/XX/XXXX noting " here is the back up of when we closed the case '' but there was in fact zero back up information. 

We asked them to re-open the dispute, which they did in XX/XX/XXXX. 

They have now closed our dispute again, saying, " contact the merchant yourself. This was too long ago for us to deal with. ''
Product: Credit reporting or other personal consumer reports

these are the accounts I marked as inaccurate : XXXX XXXX XXXX {$440.00}, {$460.00} XXXX : {$440.00} XXXX XXXX XXXX {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I literally just created an account on TransUnion ( XX/XX/2021 ) and got charged {$25.00} for their Credit Monitoring service. All I wanted was to check on an inquiry on my credit report that they have but XXXX and XXXX did not..
Product: Payday loan, title loan, or personal loan

Paypal did not inform me that my account was being taken over by synchrony bank.Synchrony bank did not authorization to put account on the credit report.Synchrony put a closed account on my credit reports which dropped my scores by 30 plus points.No contract or disclosures were signed with synchrony bank.
Product: Mortgage

In XX/XX/2020, I started a refinance with Citi Mortgage Co. They charged my credit card for {$690.00} for an appraisal. The mortgage processor I was never able to reach at anytime. They asked for documents and I submitted everything they requested. An underwriter called about getting additional information. In XX/XX/2020 still no word on a closing date. I asked that they refund my credit card because they were not going to close on this refinance. They will not refund my account for services that they fail to provide. For that reason i need Citi Mortgage to refund my full amount.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the unlawful and improper practices of XXXX, XXXX, and Experian ( collectively referred to as the " Credit Reporting Agencies '' or " CRAs '' ) related to the illegal reporting of my transaction history. Below, I detail the specific issues and violations of federal law : I am formally opting out of any and all authorizations I may have givenwhether written, verbal, unwritten, or impliedfor the CRAs to share reporting of my transaction history Under 15 U.S.C. 6801, financial institutions and their agents are bound by an affirmative and continuing obligation to respect the privacy and confidentiality of consumers ' non-public personal information. Reporting transaction history without explicit consent violates this statute. 

Violation : XXXX, XXXX, and XXXX have engaged in the unauthorized reporting of my transaction history, which is illegal without my consent. 

Impact : This unauthorized action directly undermines the Congressional mandate for safeguarding consumer privacy, as outlined in the Gramm-Leach-Bliley Act and its supporting provisions under the FCRA Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 6801 Unlawful Reporting of Charged-Off Debt as Income Under federal law, charged-off debts are considered income for tax purposes when reported to the IRS via a 1099-C form. However, income is not a permissible category for reporting on consumer credit reports under the Fair Credit Reporting Act ( FCRA ). The FCRA and related case law establish that consumer credit reports must only contain accurate and permissible information directly related to creditworthiness, not income classifications. 

Violation : XXXX, XXXX, and Experian are unlawfully reporting charged-off debts as derogatory trade lines on my credit report despite their reclassification as " income '' under IRS regulations XXXX This constitutes a clear violation of the FCRA because income, especially income derived from forgiven debt, is not authorized for inclusion in consumer credit reporting. 

Supporting Legal Precedents : XXXX XXXX. XXXX ( a ) : Restricts the type of information that can appear on a consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Emphasized that misleading information on credit reports can violate the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Highlighted the importance of accurate classification of debt in credit reporting. 
Impact : The misreporting of charged-off debt as a derogatory item when it should be classified as income causes severe harm to my credit profile and undermines my creditworthiness. Additionally, it subjects me to undue financial and reputational harm by inaccurately portraying my financial behavior.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I defaulted on my car loan with XXXX. My payment for XXXX XXXX XXXX is {$630.00}. In XX/XX/XXXX I contacted XXXX and was given an arrangement to place my account back on track. I agreed to pay {$1800.00} to bring it current and resume my monthly payments of {$630.00} on XX/XX/XXXX. I made both XXXX and XXXX payments. In XX/XX/XXXX, I attempted to make my payment over the phone but the office was closed. Considering the delicate nature of the account and the prior issues, i decided not to process my payment using the automated system. i called the next day to process my payment with a live agent. The agent stated my original arrangement had defaulted because i was one day late on the payment. The agent stated I would have to pay {$1200.00} that day and my car was placed into repossession status. I asked for the delinquent balance and was told it was {$3500.00}. It was explained that balance was retroactive from the XX/XX/XXXX balance. Additionally, XXXX has placed my account in a charge off status although i am actively paying on it. This derogatory status has caused unfavorable decisions from otherwise promising credit opportunities.
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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I paid a bad debt collection off in full, XXXX XXXX XXXX. they in turn said that once it was paid off they would submit to credit bureaus and delete off my credit report, they have not. I am trying to buy a home and this is preventing me from doing this. Can you please reach out and delete this off all of my credit reports. 

Thank you
Product: Credit reporting or other personal consumer reports

Since XXXX I did reported four complaints about incorrect information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MYNAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 XXXX  : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Debt collection

Im unaware of this debt. I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received this notice. According to 15USC 1692g a consumer must be notified of a debt in writing or the the debt needs to be removed from their credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Discover Card debt was dismissed without prejudice in Superior Court of California , County of XXXX XXXX on XX/XX/2019, case # XXXX and should therefore be erased from my credit report. I have complained to both Discover and XXXX, have filed investigations with XXXX, file number XXXX, sent copies of court documents showing the debt was dismissed, yet the debt is still being reported as a currently owed bad debt on my credit report.
Product: Debt collection

This company purchased my debt from another company and the egregious charges applied are not even from any agreement I ever made with they company they purchased my debt from! My privacy has been violated by damaging my private records into the public. In an attempt to make some fast easy money off me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly collections/charge-offs on the XXXX XXXX XXXX account numbers : Account Number Experian Amount XXXX {$750.00} XXXX {$430.00} XXXX {$650.00} XXXX {$650.00} XXXX {$740.00} XXXX {$340.00} XXXX {$310.00} XXXX {$340.00} XXXX {$430.00} ( Please see pages 6, 7, 8, 9, 10 and 11 of the attached credit report. ) These accounts do not belong to me. I do not know who XXXX XXXX XXXX is. These line items clearly have been added to my credit report in error and these line items need to be removed immediately. This incorrect reporting of collections/charge-offs is seriously harming my credit score. I have contacted the bureau to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed several disputes for a Chapter XXXX and a Chapter XXXX Bankruptcy to the following credit reporting agencies : TransUnion, XXXX and XXXX The first letter was sent to each CRA on XX/XX/XXXX, requesting the method of verification. TransUnion deleted the Chapter XXXX, but verified the XXXX XXXX as accurate. Both XXXX  and XXXX verified both as accurate. No one sent me the XXXX. On XX/XX/XXXX, I requested the XXXX once more, with the same verified response from all three agencies. On XX/XX/XXXX, XXXX sent me a letter stating that both public records were deleted from their record as unverifiable. XXXX is listed by each of the CRAs, on their websites, as being the furnisher of such information prior to XX/XX/XXXX. Which would cover what is being reported by all three CRAs. On XX/XX/XXXX, I mailed proof from XXXX XXXX and a request for deletion due to no response on the XXXX matter. I also requested that XXXX/ XXXX XXXX be removed, as it is reported as attached to the Ch. XXXX. XXXX and XXXX  verified as accurate, while TransUnion never opened a dispute. On XX/XX/XXXX, TransUnion verified, by phone, that the letter was received ( the other disputes were open/closed in the letter ), but that item was not addressed. They would need to " open up a dispute '' to investigate, even though they received the original request. Or wait for it to drop off. I declined because I should not have to wait another 30 days, when they failed to investigate my request. This in particular makes me feel like nothing on my dispute letter was ever truly investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established NXX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XX/XX/XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XX/XX/XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please REMOVE any and all fruad alerts and freezes on my credit file
Product: Mortgage

I am writing to formally lodge a complaint against XXXX XXXX, a Loan Consultant Associate at XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX ), with XXXX XXXX : XXXX. My recent interactions with XXXX XXXX during my mortgage application process have raised significant privacy and ethical concerns. 

On XX/XX/XXXX and XXXX, XXXX, while attempting to finalize my mortgage application via email, XXXX XXXX provided incorrect information regarding the XXXX XXXX loan requirements. Despite clear evidence and guidance from other Ally loan consultant associates, she refused to correct her erroneous assertions. Her insistence on incorrect guidelines, despite confirmation from XXXX different Ally agents that a XXXX XXXX payment on an income-based repayment plan with documentation is sufficient to proceed, not only impeded my application process but also effectively barred me from eligibility for the loan. It is troubling that a licensed loan consultant is providing incorrect information to potential buyers, which not only undermines the integrity of the loan process but also unfairly disadvantages applicants who are otherwise eligible. 

Subsequently, I was pre-approved for the XXXX XXXX loan by my designated loan officer, which underscores that XXXX XXXX XXXX information was inaccurate and misleading. 

Moreover, XXXX XXXX 's conduct raises serious concerns about privacy and ethical standards. Her statement in our heated emails that she would " continue to follow [ my ] application to see how far this goes, '' despite not being my loan officer, represents an unauthorized and invasive involvement in my personal information. This inappropriate monitoring and handling of my application process, combined with her refusal to rectify her mistakes, not only makes me feel unsafe but constitutes a significant ethical violation. Additionally, XXXX XXXX concerningly brought up my children in our email exchanges, a topic I had not shared with her and which is not pertinent to our conversation. This unwarranted mention further adds to my concerns about her handling of my personal information. 

I am seeking your urgent assistance to address these issues and ensure that appropriate action is taken. I would appreciate your review of this matter and guidance on the next steps. Thank you for your attention.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint against OneMain Financial regarding their failure to acknowledge and act upon my request to revoke all automatic debits from my account. This incident has caused significant XXXX XXXX and inconvenience. 

On XX/XX/year>, I sent an email to XXXX requesting the revocation of all automatic debits. In my email, I explained that I was working with a law firm to handle my debt and provided the firm 's direct contact information. However, I did not receive any reply or acknowledgement from OneMain Financial. 

Despite my clear request, on XX/XX/year>, a debit of {$360.00} was withdrawn from my account, resulting in an overdraft. This action directly contradicts my request and violates Regulation E ( Electronic Fund Transfer Act ), which provides consumers with the right to stop payment of preauthorized electronic fund transfers. 

When I called XXXX 's local branch XXXX, the XXXX, XXXX, informed me that they do not have access to emails. This lack of internal communication is unacceptable. I then asked XXXX for guidance on how to file a formal complaint. She directed me to call XXXX. Upon calling this number, the agent informed me that I needed to file a complaint with the local office, and my call was routed back to XXXX. This circular process left me with no resolution and added to my frustration. 

Furthermore, XXXX then stated that the branch XXXX was on vacation and that he would contact me upon his return. This lack of accountability and proper handling of customer complaints is highly disappointing and unprofessional. 

I am seeking immediate resolution to this matter, including the reimbursement of the overdraft fee and assurance that all future automatic debits will be halted as per my original request. OneMain Financial 's failure to comply with my revocation request and the subsequent mishandling of my complaint demonstrate a clear violation of consumer protection regulations and a disregard for customer service. 

I trust that the Consumer Financial Protection Bureau will take the necessary actions to address this issue and ensure that OneMain Financial adheres to the regulations designed to protect consumers.