23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This complaint is addressed to Experian Reporting Agency. Resolution deletion of collection account # XXXX per ( XXXX ) XXXX. 
Per response with the CFPB, case number:XXXX, dated XXXX XXXX, 2016, XXXX claims they have submitted a " request for deletion '' to ALL credit reporting agencies and requested permission up to 45 days for the agencies to process their request. ( Validation Letter attached ). On XXXX XXXX, 2016, was denied online dispute due to maximum access. Online, the report shows the collection account with XXXX as " Closed '', updated XXXX XXXX, 2016. As of XXXX XXXX, 2016, it has not been deleted. Other agencies have adhered to request. If said request is not honored within the timeline requested by XXXX, I will proceed legal actions per the Fair Credit Reporting Act, 15 U.S.C.s1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed to remove and stop reporting to all credit reporting agencies in court. See attached.
Product: Credit card

Synchrony charges excessive late fees to their consumers. Not only that, but they add it to the balance owed so they add late fee on top of late fee with no option to negotiate a payment plan. This is how they want to make money. Their representative need better training also. They are rude, talk over you and are aggressive.
Product: Credit reporting or other personal consumer reports

I ask the credits bureau to send my credit report. I saw several hard inquiries in my report I have requested for them to delete them since I did give this company to run my credit without my permission. XXXX has my name wrong and the refused to change or provide me with my credit report. XXXX has my loans closing several time on my credit try to reach to them and tge refused to update remove the inaccuracies on report that has been affecting my credit. Since all them refused to follow the law. XXXX tell to do a fcra report. I want tgem to remove all the hard inquiries, negatives and close accounts on my credit reports. I will report them since all them refused to help.
Product: Credit card

CapitalOne refuses to credit account interest and additional fees, preventing payment on account. 
There was a dispute for transaction of more than {$1100.00} that has now been properly credited to XXXX XXXX Capital One account from XXXX XXXX  ( disputed XX/XX/XXXX, resolved XX/XX/XXXX ) Three months of payments and bilking cycles require interest fee calibration and fee removal on account. Through my diligence, not CapitalOne or through their dispute process, I was able to get situation rectified after several months. 
CapitalOne refuses to communicate in writing! I have requested communication several times to be provided in writing and supplied info in writing that has not been uploaded to account either. This is also unethical and breach of credit card contract. 
Now upon trying to make appropriate payment and have account current, CapitalOne is being unethical and breach of contract for not removing interest and fees related to credited transaction. While also preventing appropriate payment due to be paid on account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX I sent a letter to the courthouse asking them do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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

There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXX XX/XX/2023 ) on my credit report. I do not have any idea regarding the fraudulent account on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

XXXX XXXX XXXX  are attempting to collect a debt. I have sent letters to this company requesting verification that this debt is mine and to provide proof of such. This has never been provided nor was I sent a letter prior to this account being placed on my credit report. 
When I sent letters to the credit bureaus all I was supplied with was a general letter that this debt belongs to me, but no proof nothing in writing, no copies of letters, nothing. 
This is both a violation of Fair Debt Collecting and a violation of Fair Credit Reporting to not verify accurate information. 
XXXX can not provide any information to me, I have never been seen by a physician or doctor that they are attempting to collect on a debt from 2013. 
This needs to be removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorised hard credit pull on my XXXX credit report by : Sunrise Credit res. Mortgage XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Which occurred XX/XX/2020 ; I have absolutely no inquiries or anything impacting my credit initiated during that time, and hard inquiry occurred without my permission or knowledge at all. They refused to give me a reason to why this had occurred and dismissed me rudely and aggressively over the phone without a chance to understand the situation.
Product: Credit card or prepaid card

A couple years ago my wallet was stolen from my car. Ever since this happened, the person who took my personal information has been using it to their advantage. I contacted the police to let them know what happened with my wallet and have been disputing items off my credit reports ever since. The last of the items that were on my credit report is a credit card from Discover Bank. 
I have been disputing this account with XXXX and Discover Bank for months now. I have sent my FTC report to XXXX  and Discover Bank multiple times and the account still remains.
Product: Credit reporting or other personal consumer reports

delete hard inquiries 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.

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) 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.

DELETE THE ACCOUNST BELOW
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureau to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Mortgage

I submitted a hardship application to Nationstar Mortgage at XX/XX/XXXX and I did not hear anything from them. I looked on line several times to obtain the status of my application and there was no information. I called Nationstar today ( XXXX/XXXX/2015 ) to obtain a status of my application was advise that my application had been denied ( the investor does not do modifications ). I asked why I did not receive a letter stating that my application had been received ( 5-day letter ) or a letter indicating that I had been denied ( supposedly in XX/XX/XXXX ). The representative claimed that the information was sent to me via email. I have a problem with that explanation as I received nothing in either case however, I do receive the monthly billing statements. I believe Nationstar Mortgage failed to notify me in either case nor did they ask for any additional information ( complete loan application ).
Product: Payday loan, title loan, or personal loan

I have never applied for a loan with this company and I do not need a loan. This company has emailed me numerous times that my loan is waiting for me to sign and all I need to do is click on the link in the email. I did not ever apply for a loan! I have responded to every email that they have sent and asked them to take my information out of there system because I did not apply for a loan and I believe someone is trying to get a loan in my name. I counted 6 emails in the past 4 days that they have sent me. When I reply to them and ask them to take me out of their system, their response is that " I need to reply again with my Full Name and Last 4 of my Social Security Number ''. I, of course, am not going to give that information out to a company that I have never heard of and never applied with. I have worked in marketing and I have worked with automated email systems and I know how all of it works. They can most definitely at least take me out of their email list if nothing else. But, when I get replies the come from a person and the replies are from a XXXX email, so someone must be reading them. All I want is for them to take me out of their system and acknowledge that someone is trying to get this loan in my name and stolen my information. The company is National Small Loan and the website is www.nationalsmallloan.com phone and fax are P : XXXX F : XXXX
Product: Debt collection

To whom it may concern, This is to detail my accounts of what happened this afternoon when I called into Pacific Credit Exchange to speak to a supervisor. 

My name is XXXX XXXX. I called initially XXXX/XXXX/XXXX to Pacific Credit Exchange to speak to a supervisor of an employee XXXX XXXX ; Ive called several times between the time of my missed payments and XXXX never returned my calls and each time have been spoken to in a derogatory and insulting way. I was told to hold and was patched into XXXX XXXX. When he answered the phone I gave my name and stated I needed to speak to a supervisor. XXXX processed to insult me and the amount of money I made a payment for and continued to speak unprofessional, and yell at me. When getting off the phone I called and asked to speak to the a supervisor I was informed that XXXX was the owner and he would be back at XXXX. I was told that they are a small company of no more than XXXX employees and when I asked to speak to someone above XXXX XXXX. When I called back to voice my concerns over the unprofessionalism of XXXX XXXX I was then yelled at, over talked, disrespected and never once was assured that the way I was spoken to in regard to my debt was acceptable. XXXX over talked me and aggressively stated it was my problem and he was no longer dealing with me he was sending it to a lawyer and hung up in my face. 

My attempt was to make payment today and in regard to that I was never given the opportunity to do so. Instead I was insulted, disrespected and told how much money I couldnt afford the first time I made my payment. My initial concerns were to discuss the manner in which I was spoken to. I was now informed that legal action is now being taken against me for the debt by XXXX after he hung up on me.
Product: Credit reporting or other personal consumer reports

HEADWAY CAPITAL HAS PLACED A DEBT ON MY XXXX REPORT AS OF XXXX OF XXXX  FOR THE AMOUNT OF {$95000.00}. I HAVE FILED A POLICE REPORT ON XX/XX/year>. AND ALSO MAILED AND OPEN AN INVESTIGATION WITH XXXX FOR XXXX XXXX WITH XXXX. I NEVER APPLIED FOR THIS LOAN WITH HEADWAY CAPITAL IN PERSON OR ONLINE FOR ANY AMOUNT. I HAVE BEEN DISPUTING THIS DEBT WITH HEADWAY XXXX XXXX XXXX FOR THE LAST 8 MONTHS. PLEASE INVESTIGATE AND DELETE THIS DEBT WITH HEADWAY CAPITAL OFF OF MY XXXX CREDIT REPORT
Product: Mortgage

I currently have a mortgage that is serviced by Specialized Loan Servicing with the contact information below. This is a conventional loan with XXXX XXXX XXXX ( XXXX XXXX. As of XX/XX/XXXX the XXXX of this account was scheduled to be less than 78 %. The original value of the home was {$520000.00} as seen in XXXX 's records, 78 % of which is {$400000.00}. The principal balance on XX/XX/XXXX was scheduled to be {$400.00}. As required by law XXXX should have automatically removed property mortgage insurance. 

Specialized loan servicing has disbursed {$150.00} for XXXX  in each month since XX/XX/XXXX, including XX/XX/XXXX for a total of {$750.00}. 

I reached out to the company on XX/XX/XXXX, both through their message center and by fax as instructed. I have yet to receive a substantive response either by phone or by mail on the subject. They disbursed XXXX on XX/XX/XXXX after my inquiry. 

Specialized Loan Servicing XXXX XXXX XXXX XXXX, CO XXXX Phone : XXXX
Product: Debt collection

I obtained my credit reports from all 3 credit reporting agencies and found Commonwealth Financial was listing an account that is not mine. I sent them a letter asking for validation of the loan or remove with in 30 days. I sent the letter certified and a representative from that company signed for it on XX/XX/2019. To date the account is still being reported and I have not received validation of the debt
Product: Credit card or prepaid card

Stay away from any kind of credit card with Synchrony. I was in the hospital, lost my job, and was unable to pay a couple of credit cards for a couple of months. When I was back on my feet again, all the other companies I dealt with helped me to get my accounts up to date, and I was within a couple of months. All Synchrony ever wanted was complete payment of any past due account, with all kinds of interest and late fees. When I finally got fed up with trying to deal with them, I just took their out, turned the accounts basically into a loan, and then closed the two accounts. The fun started weeks later when FOUR other cards I had with them, accounts that were NEVER late -- 3 of them didn't even have a balance -- were suddenly closed! No reason given, just closed! And up until all this started happening, I had MORE THAN TEN YEARS of use of their accounts with no late payments or any other problems. And their response -- " It's our right to close these accounts. '' I will NEVER do business with Synchrony again, as long as I live. Terrible, TERRIBLE company!!!
Product: Debt collection

This company is continuing to add a collection to my credit reports erroneously. I have never had this debt never received a bill. Every 2 years I dispute it from Harvard collection who bought it from XXXX XXXX XXXX XXXX  and they take it off and put it back on. I have not lived in Illinois for 20 years. This debt should have been charged off by now its too old. When I first heard of it was in XXXX and stated it was wrong now Im hearing about it again in XXXX. XXXX XXXX why are you harassing me it should have been charged off a long time ago and definitely not still on my credit report. Stop it!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Texas XX/XX/XXXX XXXX XXXX XXXX adding removed accounts back on with notice https : XXXX scaring me to sue is against the law discover XXXX  XXXX XXXX XXXXUnder the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule. 
Tax Liens Removed From Credit Reports Tax liens used to appear on your credit reports maintained by the three national credit bureaus ( XXXX, XXXX  and XXXX  ). Even if you paid the lien, it stayed on your reports for up to seven years, while unpaid liens remained on your reports for up to 10 years. 

In XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. 

The updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. 

" A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at data firm XXXX XXXX XXXX, in XXXX XXXX. 

How Will the Tax Lien Change Affect My Credit? 
According to XXXX XXXX XXXX, only about 11 % of consumers will see a change to their credit reports as a result of this action, and scores could increase by as much as 30 points overall. 

However, the XXXX XXXX XXXX XXXX, which represents the three credit bureaus, said in a statement in XXXX that " analyses conducted by the credit reporting agencies and credit score developers XXXX and XXXX show only modest credit scoring impacts. ''
Product: Credit reporting or other personal consumer reports

I have been trying to get TransUnion, XXXX and XXXX to remove a FRAUDULENT account and the address associated with said account for over a year. My address is not and has never been XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and I would like that address removed from my credit report immediately and permanently. 

There is a XXXX XXXX XXXX XXXX account that is in a charge off status on my credit report that i have been challenging for years that is FRAUD. I would like that account deleted immediately. There was another XXXX XXXX XXXX XXXX account that was fraudulent, that was removed as a result of my dispute yet this one remains. How can one account that was open at the exact same time be fraudulent and removed but not the other? There are also several inconsistencies in the reporting of this fraudulent account across the three bureaus which further supports that this account is unverified and should be removed.
Product: Money transfer, virtual currency, or money service

I contacted cashapp 5 times and all they asked was to ask the person for my money back. The person clearly had scammed me for my money and was unresponsive.
Product: Debt collection

On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to Fair Collections & Outsourcing by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period , Fair Collections & Outsourcing is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). Fair Collections & Outsourcing communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ).

Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ).

Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Fair Collections & Outsourcing has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. Fair
Collections & Outsourcing must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.