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

Equifax and XXXX are reporting an incorrect coding of the XXXX   XXXX/XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

I went into XXXX XXXX XXXX  XXXX XXXX during XXXX, 2015, after a XXXX XXXX on my hand. At the time I was in College and used my school health insurance, and paid a small co-pay for my visit. The doctor had thought that I might need XXXX but I healed without it. I have been billed for {$510.00} on XX/XX/2015 and XXXX on XX/XX/2015 totalling the amount of {$820.00} for 2 separate appointments, I only went to XXXX XXXX XXXX 1 time for my injury. I did NOT get XXXX on my hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX XXXX XXXX on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute.

I waited 37 days to verify XXXX XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period.

I sent a certified letter to Trans Union stating that XXXX XXXX XXXX did not notify Trans Union about my dispute along with a copy of my initial dispute letter to XXXX XXXX XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported.

Trans Union has disregarded my proof of XXXX XXXX XXXX XXXX violation of the law and refuses to remove this trade-line.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  reported late payments on XX/XX/2019, XX/XX/2019, and XX/XX/2019. 

This account has been paid in full.
Product: Credit reporting or other personal consumer reports

I noticed some inquiries on my credit report that I cant verify or authorized lenders to pull my report. SEE ATTACHMENTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent hack of Equifax my information was exposed to people that I have not authorized. I used their tool and both me and my wife were reported as potentially exposed.
Product: Credit card

BofA Closed my credit cards account. They recently gave me an increase on XXXX from XXXX to XXXX on one of my credit cards and on XXXX closed my account out. I 've never been late and have always paid more than the minimum amount. I think that the Credit Card Act should be reform. It 's not fair to consumers that a credit card company can just make a business decision to close your account and it impacts your credit report. I 'm not the only person affected by this, multiple lending companies are doing this. We the consumers are impacted by are credit. If you 're paying all your bills on time and have a good credit behavior. Instead of them closing your accounts they should just decrease your limit.
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOVERY ASSOCIATES IS KNOWINGLY ATTEMPTING TO COLLECT AND REPORT ON A DEBT AS A NONAFFILATED THIRD PARTY THAT HAS ALREADY BEEN REPORTED TO THE IRS AS A CONCLUSIVE PRESUMPTION OF WORTHLESS DEBT BY THE ORIGINAL CREDITOR. PORTFOLIO RECOVERY ASSOCIATES HAS ABUSED AND VIOLATED MY RIGHTS AS A CONSUMER AND TAXPAYER TO REPORT MY INCOME TO THE IRS PROPERLY AND ACCURATELY UNDER FEDERAL TAX LAW OF INTERNAL REVENUE CODES OF 1986 ( IRC ) TAX LAW 13-35 SECTION 1.166-2 ( d ) ( 1 ) ( 3 ) and SECTION 2.166 ( a ) ( 1 ) ( 2 ). I HAVE NOT RECEIVED A 1099-C FROM PORTFOLIO RECOVERY ASSOCIATES SO THAT I CAN REPORT MY INCOME TO THE IRS ACCURATELY .
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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

requested, how i had history of delinquent payment history from XXXX to XXXX when XXXX history shows PAID AS AGREED form date of opening until XXXX when i was decreased. see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

My service contract with XXXX was cancelled prior to the first bill due. The records wasn't updated and the XXXX XXXX XXXX didn't notify the financial department. I have an email as proof. The account has been removed from both XXXX & XXXX, But not Transunion.
Product: Mortgage

I write my complaint through the Consumer Financial Protection Bureau as a last step to see if the insanity can cease the insanity pertaining to my home foreclosure. The documents attached show that I have been active in both federal and state courts trying to justify why XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Ocwen Loan Servicing LLC can not agree to a loan modification with principal reduction. The original foreclosure dating back to XXXX was eventually set aside, but Ocwen Loan Servicing LLC refiled a new Lis Pendens XX/XX/XXXX to start an unnecessary foreclosure action all over again. I am still capable of filing a bankruptcy petition to save my home. However, Ocwen Loan Servicing LLC has refused to respond to the modification package I submitted XX/XX/XXXX. I believe that I am being highly discriminated against as a member of the XXXX Community, and I desire to have the Federal Deposit Insurance Corporation take a look at my file completely. The fact that I had a full modification package submitted before the new Lis Pendens was filed is a violation of my rights under the Fair Debt Collection Practices Act amended version of XX/XX/XXXX. Ocwen prepared a BOP in XX/XX/XXXX in preparation of a principal reduction. So why all of a sudden must I be placed in a foreclosure defense again. A copy of this complaint will be submitted to the attorney on record XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, New York XXXX ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2012 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2012 ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
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 ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXXXXXX, and XXXX XXXXXXXX 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 reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately 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: Checking or savings account

The wellsfargo settlement. 
Wells fargo charging overdraft fees for no reason when i do have the money to cover.
Product: Money transfer, virtual currency, or money service

On XXXX-XXXX-2017. Coinbase communicated to me via email to confirm new devices with IP address  from XXXX and XXXX, asking me to immediately disable the account in case you do not recognize these activities I live in XXXX, and so I followed their advice by disabling my account through a link sent to me by coinbase. The problem that now I can no longer access my account and I 'm worried about my deposited money, the support always responds with a robotic message. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For fraud and scam Thank you for this chance
Product: Credit reporting, credit repair services, or other personal consumer reports

i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate past due balances violation to Metro 2 PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS- # XXXX XXXX  XXXX # XXXX XXXX XXXX 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED - Also Never received 1099 C?
Product: Credit reporting or other personal consumer reports

THE STATUS AND BALANCE, ETC OF THIS ACCOUNT ON MY CONSUMER REPORT IS INCORRECT. ACCORDING TO THE FCRA IT IN VIOLATION OF THE FCRA. 
XXXX XXXX  PLEASE CORRECT THIS INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account # XXXX placed by XXXX has violated my rights. 

15 U.S.C. 1681 section 622 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 written instructions.
Product: Checking or savings account

I recently saw an unauthorized fund withdrawal from my checking account by an account at Capital One. I received a debit card from Capital One that I did not request for or authorize making me suspect that a checking account was fraudulently opened in my name at Capital One. When I called the Capital One Bank fraud department, I verified my identity with all information they asked for. However, they refused to close account, put a fraud alert or provide any other means for redressal. I spoke to a supervisor named XXXX and despite my repeated requests to either close or put a fraud alert/ hold on the account he refused to do anything or even provide me with any clear information on what, if any, steps they will take. This was a distressing response to a serious problem. I will request your support to ensure that the fraud account is closed, I am free if liability and Capital One provides information on how they allowed this to happen and what steps they will take to rectify this in future. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

An Opt-Out Request sent to Lexis Nexis effective XX/XX/2020 @ XXXX The only response was : Thank you for your interest in LexisNexis ' information suppression program. Your request to have information suppressed from LexisNexis publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from LexisNexis products and services.

It has been over 60 days. Is this a violation of FCRA when a secondary bureau just simply provide a genric automated response and never followed thru with what is promised. To Date, I still have not received the Freeze Request PIN in the mail.
Product: Debt collection

I was contacted via telephone XXXX of Recovery Management Services that I was in debt {$4900.00}. I disputed the amount and wrote a letter to the company asking for verification and sent it Certified Return Reciept Requested on XXXX XXXX, 2015. I wrote another letter asking them to cease and desist further attempts to contact me which was sent same method on same day. I got my return reciept back with signature XXXX as recipient on XXXX XXXX, 2015. I am still receiving calls which I let ring and I got a notice in the mail that they are now willing to negotaite to settle but still have not proved I owe the amount they are trying to collect.
Product: Credit card or prepaid card

I went to Kohl 's and purchased some clothing. I did not have a Kohl 's credit card nor did I want a Kohl 's credit card. The Kohl 's employee who rang up my purchase talked me into opening a Kohl 's credit card because I would save about $ XXXXon my purchase. I opened the account and made my purchase. Several weeks later I received an email that my statement was available and to log in online to view it. I couldn't log in online because it required the account number. I hadn't received a card in the mail or a statement so I didn't know the account number. I figured I would eventually get a card and a statement in the mail. That never happened. Several weeks later I received another email that my statement was available online. I attempted to login and couldn't without an account number. I called customer service and they wouldn't talk to me because I didn't have the account number. The next day I received the card in the mail. I was finally able to log in online. Then I discovered I had been charged a late fee and interest. I called again and they told me I had signed up for electronic statement and wouldn't refund the late charge or the interest. I went ahead and paid the balance in full in fear of it messing up my credit. This company violated the Credit Card Act by not providing me with a statement. I am reporting them for this violation and want my late charge and interest charge refunded. I was assessed these charges because of their violation of the Credit Card AcXXXX.
Product: Credit reporting or other personal consumer reports

On Saturday, XX/XX/XXXX, I received a notification that a hard inquiry had been added to my credit from XXXX XXXX. I did not apply for a credit card, loan, etc. I did not recognize the hard inquiry. I contacted XXXX XXXX, and mentioned that someone opened a card under my name that was not me. Information on my XXXX XXXXXXXX was XXXX card ending # XXXX ( I have this screenshot because when I signed in to my CapitalOne app, it asked me if I wanted to link it to my app, which I did not ). XXXX XXXX is working with me to investigate in deep on how this happened, and they were able to remove this card. After that, I placed a freeze on all XXXX credit XXXX, and Experian mentioned that I needed to file a report with FTC.
Product: Debt collection

This company is reporting false information to all 3 credit Bureaus every month, significantly impacting my credit score.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their despite resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significantly inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Prepaid card

Received an un-solicited card in the mail. Could not reach a person to resolve the matter. All calls went to machines.
Product: Checking or savings account

On XXXX Monday XXXX at XXXX XXXX sharp I contact true XXXX number my bank to stop payment in cheque for amount XXXX, lady in bank informe it 's 15 por cheque, I request to make for 2 cheque number XXXX y XXXX i did n't remember which that exactly, bank go with my request and charge me 30 for 2 spot payment. On XXXX XXXX late afternoon, amount XXXX was deductible from account, again I contact my bank, they informe transaction was pending but they will denied because stop payment I make, but they will give me temporal credit until my transaction. By this cheque was no pay, return with Forgery logo in cheque, by this asume my money will be ok my account. On XXXX XXXX cheque was present in bank branch of XXXX florida locacin, was pay, even they cheque has a forgery stamp, I oready pay to do n't pay cheque. I contact bank, they keep changing open and close new case, also speak manager in that branch they said they present another cheque number, I never order cheque in my account, this 2 cheque I did autorize and be charged for stop payment was they cheque that u get went u open account, so by this there 's probe I do n't write cheque, because simple I do n't have more cheque. Att. XXXX XXXX XXXX XXXX
Product: Mortgage

Mr Cooper mortgage company ( XXXX XXXX XXXX XXXX. XXXX, TX XXXX ) received my mortgage loan from another mortgage company in XX/XX/2019. That mortgage was issued several years ago, and has compounding account to collect money for insurance and property taxes. The mortgage loan number is XXXX. In XX/XX/2019 annual payment to XXXX insurance agency was due but was not paid ( amount due for insurance about {$850.00}, available escrow over {$2000.00} ). In XX/XX/2019 XXXX contacted me about missing funds. I called Mr Cooper in  mid-XX/XX/2019 and informed them that they need to pay for insurance. Representative said that their insurance department will investigate. XXXX agent informed me that they send invoice to Mr Cooper. 
As of today, XX/XX/2019, I called to Mr Cooper again, and talked to insurance department representative XXXX ext. XXXX. She told me the following : 1.  Insurance was not paid. 
2. Insurance policy was canceled on XX/XX/2019. I told her that XXXX canceled due to non-payment. 
2. She did not know where I can file a complaint about it, she did not know about CFPB. 
3. There were no notes of my prior calls, except on XX/XX/XXXX, when I told Mr. Cooper refinance department that I will not refinance with them until they fix insurance issue. 
4. Mr Cooper did receive an invoice for insurance from XXXX in XX/XX/2019. 

Mr Cooper is collecting money for insurance but then not paying for it when it is due.
Product: Credit card

Years ago I applied for and received an XXXX XXXX XXXX branded credit card. When paperless statements were made available, I signed up. I always had at least 2 years of ELECTRONIC statements available to me. One day, XXXX CANCELS my XXXX XXXX card with NO WARNING and switches to Citi Visa. I have made XXXX requests on the Citibank site to retrieve my credit card statements from XXXX XXXX to XXXX XXXX. The website says the statements will be available in 48 hours. They are NOT. No email. No notice. It 's like my entire history of XXXX XXXX has been wiped away.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received my return certified mail receipt back through the mail. Equifax and XXXX did not do a thorough investigation of the accounts that I had disputed which include XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was alerted through email that the investigation was already completed on XX/XX/2019. 

So, I am asking that Equifax and XXXX  under FCRA 611 ( a ) regarding erroneous item on our credit report involving a transaction with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list  of all documents and correspondence with XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this complaint. 

I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the items in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very respectfully, XXXX and XXXX XXXX