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

I did not initiate the following inquiries : 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 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
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$6100.00}
Product: Mortgage

In  XX/XX/XXXX    Freedom Mortgage became my mortgage provider. I immediately went to their website www.freedommortgage.com where I made all my monthly payments.
<P/>  And then sometime in  XXXX , I received a letter from them advising me that they were taking back the loan service from a loan servicing company. This did not make any sense or difference to me because my payments have always been made and will continue to be made from the same online portal.  <P/> My payments have traditionally been due between the  XXXX  and the  XXXX  of the month. I have never made a late payment ever. See attached payment history.  <P/> So, on  XX/XX/XXXX  I went on the portal and scheduled my payment for the month of  XX/XX/XXXX  as  I have done for all other months prior.  <P/> Unbeknown to me, that is whe n Freedom Mortgage claimed to have taken back the management of my loan from the servicer. In the process of their transition, that    XX/XX/XXXX payment scheduled against my  XXXX  mortgage was never drafted from my account. All of this was without my knowledge.  <P/> At the end of the month of  XXXX , I submitted my payment for the month of  XXXX . That payment got taken for the month of  XXXX .  <P/> In the month of  XXXX , I submitted my payment for the month of  XXXX , that payment got taken for th e one of    XXXX .  <P/> In the month of  XXXX , I submitted my payment for the month  XXXX , that payment got taken for the   XX/XX/XXXX  In the month of  XXXX , I submitted my payment for the month of  XXXX , that payment got taken for that of  XXXX .  <P/> In  XXXX  when I submitted my payment for the month of  XXXX , the payment got taken for that of  XXXX .  <P/> It was not until the month of  XX/XX/XXXX that I realized that the initial payment that I had submitted for the month of  XXXX  was never drafted that I went ahead and made a double payment for that month.  <P/> In the meantime  , Freedom Mortgage has been reporting my payments as late to the credit bureaus.
<P/>
My question to Freedom   Mortgage is this : Was there a payment scheduled on  XX/XX/XXXX  If so, why was that payment never drafted?  <P/> Ano  ther commons sense question I would like to ask Freedom Mortgage. Why couldnt it dawn on them that in all my payment history, I have never been late and that this is due to their confused transition?
<P/>
My contention is that Freedom Mortgage is unduly penalizing me for what seems to be their own internal confusion and I will like for this to be fixed.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a email stating that my PayPal account has been permanently limited so I contacted customer service and they hanged up on me and I emailed them ALOT of times and they responded with false information stating that my account is risky that why they limited it .which nothing was wrong with my account they decided to limited it due to their XXXX stereotype on XXXX person because every XXXX person has the same issue with PAYpal and XXXX XXXX their account for no valid reason then lie to people that there account are at risk and then hold their hard earned money and then refusing to hand it over. I am definitely bringing this matter to court and XXXX PayPal out of every dollar for this XXXX behavior and I'm bringing this matter to news source and damage PayPal reputation very bad until they can learn to stop stealing people money If I don't get my account and money back PayPal won't like what is going to happen with me carrying them to court And the judge will mostly likely go in my favour because I have reciepts of every transaction, and every call I did with PayPal customer service and with the lady making XXXX statements
Product: Debt collection

This company report a debt on my name to the credit bureau which I have no knowledge of..despite I explained them that wasn't me because I never been to that hospital they still refuse to remove it and they never want to send me any proof how come I owe that debt. 

Creditor Information CMRE FINANCIAL SERVICES
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

AMEX YOU FURNISHING INACCURATE INFORMATION TO THE CONSUMER REPORTING AGENCIES.

The Reporting of this Account as a Debt is Inaccurate.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( 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.

The Reporting of this Account as a Debt is Inaccurate.

THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. 
INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT. 



AMEX CONTINUES TO VIOLATE MY RIGHTS BY REPORTING GROSS INCOME AND ORDINARY INCOME ON THE CONSUMER REPORTING AGENCIES BREAKING THE LAW. THIS ACCOUNT IS A " CHARGED OFF '' THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. 
THE REPORTING OF THIS ACCOUNT AS A DEBT IS INACCURATE. 
THE IRS STATES CLEARLY THAT ANY GROSS INCOME OR ORDINARY INCOME CAN NOT BE REPORTED INTO A REPORT BY ANY FURNISHER OR CREDIT REPORTING AGENCY.A CHARGE OFF IS GROSS INCOME PER THE IRS. DELETE THESE ACCOUNTS MENTIONED IN THE COMPLAINT ASAP AND I'M REQUESTING {$1000.00} PER EACH VIOLATION. AMEX XXXX AMEX XXXX. AMEX Continues to Violate multiple laws from Congress 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). CHARGED OFF is considered a certificate of indebtedness per the IRS and income can not be reported making The Reporting of this Account as a Debt is Inaccurate. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORTS BY LAW AND By Definition PER the IRS Clearly says a Cancelled debt or Charge off is Income. ADDITIONALLY THE LAW CLEARLY STATES Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report DOES NOT include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( AMEX, ) making the report. 

ADDITIONALLY I never received a 1099-C FROM for the cancelled debt. Amex is writing off debt with the IRS years Ago WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGAL. 


You are hereby put on notice that you are reporting incorrect inaccurate information. 

DELETE THIS ACCOUNT.
Product: Credit card or prepaid card

I am contacting you during normal business hours at XXXX on Wednesday XX/XX/XXXX. 

The portal to access my credit card information for the XXXX XXXX  card is unavailable. The account service rep I spoke to on the phone advised this is due to site maintenance. Site maintenance can not happen during normal business hours for the country in which the product is based. This is a violation of UDAAP and is unfair and deceptive.
Product: Credit card

Capital One has refused to update my credit report by removing the " In-Dispute by Consumer '' or " Account Disputed by Consumer '' and it is delaying the purchase of my new mortgage. I have EXCELLENT credit scores averaging XXXX across the board, with NO derogatories, and this In Dispute status is costing me from being processed. I spoke with XXXX different people at Capital One credit card in the past 2 weeks and each person said that they would send something forward to remove the status and there is no change. I understand that pursuant to the The Fair Credit Billing Act requires that you list correct statuses of my accounts on ALL XXXX major bureaus, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner. 
The account in question : CAPITAL ONE BANK USA, or CAP ONE Acct # : XXXX. There is nothing to dispute since there is no negative history, no incorrect balances, and the items are reporting positively. This is just laziness. For that reason, Capital One must forward a notarized statement on your letterhead which will attest to your compliance to the FCBA and FCRA generally and to my account specifically throughout the period I have been a customer. Otherwise, delete the negative marks you have reported to ALL XXXX consumer reporting agencies within the timely manner prescribed by law.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting and Failure to Provide 1099-C Hyundai Capital America Dear Consumer Financial Protection Bureau , I am filing this complaint against Hyundai Capital America for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. 

Specifically, Hyundai Capital America is reporting a debt on my credit report that I believe is inaccurate. I was not provided with a Form 1099-C ( Cancellation of Debt ) associated with this account, although it appears the debt was forgiven or otherwise resolved in a manner that would require such notification. The absence of the 1099-C has deprived me of necessary information to properly address the tax and credit implications of this account. 

Under the FCRA, furnishers of information must ensure that the information they provide to consumer reporting agencies is accurate and complete. By continuing to report the debt without providing the required documentation or updating the account status accordingly, Hyundai Capital America is furnishing incomplete and inaccurate information. This misreporting is causing harm to my credit standing and financial reputation. 

I respectfully request the CFPBs assistance in investigating this matter. I am requesting that Hyundai Capital America : Provide me with a copy of the 1099-C form ( if it exists ), Correct the inaccurate reporting on my credit report to reflect the true status of the account, and Cease all further reporting of inaccurate information regarding this account. 

I reserve the right to pursue legal remedies, including seeking statutory damages under the FCRA, for willful noncompliance with the law. 

Attached are copies of my credit report entries reflecting the disputed account and any correspondence related to this issue. 

Thank you for your assistance. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I submitted a 609 letter to the credit bureaus the accounts were removed for a week and placed back on my credit report
Product: Debt collection

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 Firstsource has violated numerous provisions under the FDCPA and has attempted to collect money in commerce on a unlawful debt that arose out of a FINANCE CHARGE between I and XXXX XXXX where a SUM OF ALL CHARGES satisfied the obligation when a consumer credit transaction occurred. Firstsource has not validate any lawful debt and has attempted to debt park and coerce RE_payment from me in commerce. Firstsource has committed fraud in commerce and has violated my right to privacy described in 15 USC 1692a and Privacy Act Of 1974 by acquiring my name, address and other personal identifying information without prior consent and IRS Form 3949a and 211 will be filed against Firstsource if this matter is not resolved. I have suffered lost of wages due to XXXX XXXX XXXX XXXX  because of the violations committed by Firstsource. This will be my last attempt in good faith to settle the matter outside of court.
Product: Credit reporting

When working on building my credit, I took out a loan from XXXX XXXX XX/XX/XXXX. I paid as agreed and on time until XX/XX/XXXX ( 12 months ), at which point they offered me a new loan and to consolidate the remaining balance of my old loan into the new one. Since 12 months of payment history was reported, I decided to do this to help my credit scores even more with another loan. I paid that loan off in XX/XX/XXXX. During this time, I had not missed a single payment on my loans, however, the original loan was never reported as closed, and shows a 90-day late payment in XX/XX/XXXX and two 30-day late payments as well. 

I have disputed this account several times with the credit bureaus, of which XXXX and TransUnion WILL NOT remove the account, XXXX did on the first dispute. 

This account reports my ONLY late payment in my credit reports and is harming my credit scores and making me pay higher interest rates for all of my loans. 

The fact that XXXX and TransUnion will not properly investigate the account is the primary issue. I 've contact XXXX on multiple occasions and have received multiple verbal responses ranging from " I see the error and will get it corrected '' to, " we have no record of a late payment '' to " We do not show your other account with us ''.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX  XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$6800.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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: Checking or savings account

For a period of time, Bank of America, basically locked me out of my account for no good reason and in that time it caused me to default on my car payment and eventually resulting in my car being repossessed. Not only was this extremely embarrassing but, it also put a mark on my credit report and costed me upwards of around {$2400.00} to not only get the car out but, to have to pay the finance company late charges and added fees i otherwise wouldnt have had to pay if my account wasnt locked out. I tried to settle this via the Bank of America XXXX XXXX XXXX but, they refused to accept my paperwork as evidence which doesnt make any sense whatsoever
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These following credit inquiries are unauthorized : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned on the morning of XXXX XXXX, 2017 that Equifax had been a victim of hacking and lost over 100 million customers personal information, one-third of the U.S. population. My information was included in the list. The company improperly protected and stored my information. This leak will follow me for a lifetime and a single year of monitoring service is an unacceptable response/payment for the harm that could come to my financial standing for the rest of my life.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. the CFPB 'S findings indicate that zelle not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

PayPal Credit Card added me as an authorized user on XX/XX/XXXX on an account when I was a XXXX. The account holder was the father of my former boyfriend. I just found out I was an authorized user when my credit was checked in XX/XX/XXXX. I reached out to PayPal Credit Card and they said they could not remove me as an authorized user only the account holder. I have messaged the account holder on XX/XX/XXXX and he has not replied, I then left a letter on his door on XX/XX/XXXX and he still has not replied or removed me from this account that I never authorized. I am unable to remove myself because the account holder is ignoring my requests and PayPal Credit Card says I have no ability to remove myself.
Product: Credit reporting or other personal consumer reports

Company continues to furnish fraudulent information on my report. Company was notified via priority mail & sent copies of the FTC report listing these inquiries as fraudulent, yet they still continue to furnish the fraudulent information. This is a direct violation of USC 1681 & USC 1666. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have been making monthly payment since my mother passed away which Rocket mortgage has cashed. However, they continue to send notices of default and not recognize that the account is in good standing. Additionally, they refuse to provide information on the loan even though we had our attorney fill out the appropriate documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this error a number of times. Either Equifax or XXXX XXXX can not grasp what XXXX XXXX has done. I had a collection account with XXXX XXXX XXXX XXXX ( account number XXXX ). When I made arrangements to pay the last {$900.00}, XXXX XXXX XXXX XXXX set up a separate account number for me to make those payments ( XXXX ) I completed those payments and this account shows a XXXX balance. 

BUT THEY LEFT THE FIRST ACCOUNT ON MY BUREAU WITH A BALANCE OF {$900.00}. This is a violation of my Fair Credit Reporting Act Rights. And since I have now disputed it 3 times, it should be considered an act of " willful negligence '' which carries punitive damages with it. 

How many XXXX XXXX XXXX XXXX customers have old collection balances that they have already paid, sitting on their credit bureaus because of this internal process of creating a separate account for paying them off? How many credit scores are artificially lowered due to this negligent act? 

This would be a prime example for the CFPB to publish on Consumerfinance.gov so that other consumers aren't sucked into the negligence.
Product: Checking or savings account

I have a Great Western Bank Checking account, over 2 years ago I asked to opt out of over draft protection, the bank told me I couldnt do this, which Im now seeing was a lie. Since that time Ive paid over 1,000 in  overdraft fees my account once again became overdrawn and I am attempting to close it. The day I notified the bank I want to close my account it was XXXX overdrawn, I indicated I wanted to negotiate the balance I owed considering I was lied to about not being able to opt out of overdraft protection years ago. I was told over the phone to send a letter to an email address. I have did so on Monday and I still have not heard from anyone at great western about the account. It is now over 200.00 overdrawn.