23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

original company was XXXX who gave it to credit collection services. I paid them in XX/XX/XXXX and had it removed in XX/XX/XXXX. Now in XX/XX/XXXX it pops back up on my credit report under credit control services. according to the better business bureau credit collection services and credit control services operate under the same company and so they will not remove this off of my credit report it 's just a recycling thing and I continue to lose points because of it. A lady in my state from Minnesota took credit con collection services to court because of these false practices and I want something done ASAP this account has been paid!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX/XXXX  I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in letters regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

Step 1 : What is this complaint about?

Inaccurate credit reporting.

Step 2 : What type of problem are you having?

Mr. Cooper 's mortgage company reported my second mortgage as delinquent which affects my ability to buy a new home. I tried to work out the problem but their agents are not responding to my emails or phone calls.

Step 3 : What happened?

In the proc
ess of trying to refinance my loan with Mr.cooper, a loan officer told me to stop making payments on my second mortgage. Then, they turned around a report me as delinquent on my payments.

Step 4 : What company is this complaint about?

Mr. Cooper mortgage or Nationstar Step 5 : Who are the people involved? 
Loan officer XXXX XXXX.
Product: Debt collection

Even though I am paying regularly on this account, and they acknowledge it, I was told by the manager, XXXX, that they will report the account delinquent until paid in full, and that they will not report payments. I was also told that they will not remove paid accounts. They stated that all accounts, paid or unpaid, will remain for seven years. 
I told XXXX that this policy is counter productive, as it doesn't allow someone with debt to better their score, which may enable them to get a loan and pay off debt. I'm fairly certain that the fair debt reporting act requires that payments be reported. 
In any case, as my credit will remain damaged whether I pay or not, I will stop paying on this account. I feel that XXXX XXXX XXXX XXXX needs to be aware of the practices in place at credit check. 
I used to support credit check and was happy working with them. I have paid off over {$4300.00} in recent years and expected better from them. They've clearly changed, and not for the better.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft account XXXX See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$170.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections XXXX and XXXX ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX U.S.C. XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX XXXX XXXX ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX U.S.C. XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Debt collection

This was like 3 yrs ago, amount was never discussed!!!!. What company? at that time I was clean for like 4ys. XXXX really what did I owe? they hung up on me cuz I wouldn't give the name they asked for. Threats don't work. If this what I thank it is. My payments are on time. Have fun robbing ppl on that note I love you
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a business credit card through  Capital One Business in 2016. Since account opening, Capital One has been incorrectly reporting this business account onto my personal credit report. I have contacted the credit bureaus whom have responded with a promise to contact Capital One. Capital One  has no right to report a business account, in good standing, to the signers personal credit profile
Product: Mortgage

We have made numerous complaints against this company that claims we are in bankruptcy which we are not. All I want is a payment history for this year. I have only got things when I complain. They told us to see are lawer. We dont have one. No bankruptcy. This comyshould be closed down .we pay XXXX $ every month to them. This is our own information. 
Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Co XXXX Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Thank you
Product: Credit card or prepaid card

Umb did not send me my credit card or open an account. I have a high credit score and should be approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that Lexis Nexis credit file/credit report with my information on it. I requested to have this information sent to me, but I was then asked to provide either my social security number or my drivers license. This a violating of my federally protected consumer rights. 
I never gave permission to furnish a consumer report with my information to anyone. They never asked for permission from me. They sent me a request form but because I never authorized them to furnish a consumer report on them, they should be the one filling out the request form. Lexis Nexis has personal and private nonpublic information about me and I feel completely violated. How and why do I have to prove to someone else that I am who I say I am, but any 'person ', as described in 15 USC 1681a, that gets my social security number, credit card as described 15 USC 1681a ( r ) ( 2 ), and goes to a credit reporting agency can place anything on my consumer report without the permission, this is a direct violation of 15 USC 1681b ( a ) ( 2 ). 
In the attached paperwork there is a section to 'opt out ' but the problem is i never opted in! 
This has completely stressed me out and this has taken a toll on my mental health. They have violated my privacy and I do not feel comfortable knowing my personal nonpublic information is just out there. Why are these companies able to get personal nonpublic information on consumers if it is a violation of their federally protected consumer rights.
Product: Credit card

My complaint is with Care Credit ; Synchrony Bank! Ask at health care office if I would like to apply for Care Credit ; I said OK! No interview or questions! About 5 minutes I was told I am confirmed! I was not set up with any payment schedule! Started receiving monthly statement ; the amount changed from month to month! Months later received statement with amount more than {$2500.00} was added to my account! Called Care Credit and was told I did not pay the account in full so I was charged 30 plus % of interest on amount remaining! I ask Why? Was told if not payed off in 18 months I would be charged the inflated interest rate! Have been paying each month ; Last month bill was {$190.00}, payed {$250.00} thinking the difference would be applied to principle, not so, only {$31.00} was applied to account! In 2013 CFPB filed against Care Credit and was fined {$31.00} XXXX for deceptive practices! Why isn't this still the present issue!
Product: Bank account or service

I would like to dispute Compass Bank and have the incident removed from my record. The transaction was authorized and done legit. The transaction in question was credit card related. I applied for a Compass XXXX XXXX XXXX XXXX. Upon receiving my card I was given an offer to transfer any balances to my new account via balance transfer check. 

I took the check to my local Compass Branch and asked how to proceed. The teller told me to deposit the check to my Compass Checking account and from their I can pay off anything via ACH electronically. The teller attempted to deposit the check to my checking account but before she could proceed her system indicated that she need to call the credit department and get authorization for the check. The teller successfully received approval and authorization to proceed in which she deposit said funds into my account. 

A few days later I received notice that once the back office reviewed the transaction they decided to un approve it after originally approving the initial transaction and removed said funds from my account. Nothing was done wrong or invalid on my part. The transaction in question is fully documented and compass has the prove via authorization number in their system that this in deed was n't fraud and that the transaction was legit and handled in a Compass Branch. 

I respect Compass decision to not approve the balance transfer after the fact but to accuse someone of fraud or misuse of the account when the transaction in question was legit is " Defamation of my Character ''. I ask that this matter is resolved immediately.
Product: Debt collection

I recently was attempting to lease an apartment when the property management discovered a judgement on my credit report for over $ XXXX from USA DIscounters. This account has been taken care of for over a year. I called them to get a letter stating it was taken care of and they told me they 'd have to check and see if they had one since it had been over a year. I also asked about the credit report and they proceeded to tell me that it was my responsibility to file a dispute with the bureau. They have handled their part. My experience with them has been nothing but a hassle since day one. I also noticed there was lawsuit against them. I am not in the military any longer, but am I able to get retributions from these illegal procedures and charges.
Product: Credit card or prepaid card

I have been having problems with Comenity bank. I can not get in contact or go online. When you call the one XXXX number it goes straight to automated Voice service. According to Comenity bank this was supposed to be in system update. We are now going on two weeks. This is very frustrating when you cant use your card or make a payment. Thank God I was not on vacation. Please help!
Product: Vehicle loan or lease

XX/XX/XXXX I filed a complaint # XXXX against ALLY FINANCIAL for continued refusal to provide by mail copies of my original contract documents for vehicle loan that occured on XX/XX/XXXX. After several attempt to get the documents over several months ALLY continues to knowingly and willingly withhold the contract documents with no explanation as to why this request is so hard for them to complete. After months of being lied to and told it will be sent within 10 business days it has now been 4 months. As of the date of this complaint they have reached out to me via phone and email ( see attached ) to continue to stall and gaslight when all I need is copies of the signed contract documents. There has been ample time and requests for this information and instead my rights continue to be violated by this company as they refuse a simple request from the consumer they are doing business with.
Product: Checking or savings account

This is my spouse, XXXX XXXX XXXX XXXX account through Wells Fargo Bank N.A. 
Routing No. XXXX. 
This is an account that our tax return was deposited into and I dont even have access to this account. 
On XXXX XXXX, my husband allowed me to but sneakers from this account and I noticed an unusually large balance of {$14000.00}. During this time, he didnt even have a job so I find it odd to have this much money in the bank when he was living with me, at my dads house, and he was paying {$0.00} in bills because he said he was broke. 
1- when was the account opened 2- was there ever a large wire transfer wired into this account in XXXX. 
3- again, whatever he received from the sale of XXXX XXXX- I would be entitled to the same 4- how does he have such a large balance? Like where did that come from? He wasnt even working. 
Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected c0nsumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( XXXX XXXX XXXX or XXXX XXXX XXXX XXXX ), has violated my rights XXXX ( XXXX ) XXXX ( Equifax XXXX XXXX ( XXXX ) 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 items 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 resonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Lost my debit card and was charged a overdraft fee but I didnt use the account so I never noticed it was closed or used as I didnt keep much money in that account. Well it was closed and sent to Chex systems saying I owe. I paid in full with the acknowledgment it would be deleted from c hex systems once paid in full. so not only is it not my account I also paid the account and its still showing up which is hindering me from opening a new bank account.
Product: Money transfer, virtual currency, or money service

I am filing a complain 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 fraus on their platform, leaving my account vulnerable and unprotected. Furthermore, their despute resolution process was unfair and desceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant incovenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}
Product: Credit card or prepaid card

Several months ago Capital One sent me a letter saying they were closing my account because I had not used it in 24 months. I owe no money - I always pay my cards off each month. I asked if I could go use it and keep the account and they said no. I got the card for travel and have not traveled in a while. Now I keep getting statements from them ( somehow, they owe me {$0.00} ). I called to completely delete my account and erase all my personal and financial information with the company. I spoke to XXXX, ID XXXX associated with their customer service number of XXXX. The phone connection was horrible ( I was using a land line so it was not me ) and I could not understand much of what she said, but the gist is that I can " change my preferences '', but can not delete my personal information. I do not, and do not wish to have an account with them. I do not want them to retain information about me, because I do not have an account with them. I want them to delete my account fully and delete any personal or financial information about me that they have. Why can't they do that? I can only tell you the last 4 digits of my account ( XXXX ) because I cut up and threw away my card months ago, and these statements I keep getting have only the last 4 digits. It strikes me as very wrong that this company can keep personal and financial information about me when I have no association with them. It is not right!!
Product: Credit reporting or other personal consumer reports

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

XXXX 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. 


T

he Reporting of this Account as a Debt is Inaccurate. THE LEGAL DEFINITION PER THE IRS DEFINE
S A CHARGE OFF AS INCOME. 
INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT. 



XXXX 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. XXXX XXXX XXXX XXXX. XXXX 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 ( XXXX, ) making the report. 

ADDITIONALLY I never received a 1099-C FROM for the cancelled debt. XXXX 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: Vehicle loan or lease

ON XX/XX/XXXX, I completed a credit application online to XXXX XXXX XXXX. XXXX refuses to give me a decision regarding my credit application. The dealer, XXXX XXXX in XXXX also will not give me a written decison on my loan simply stating : " they dont offer a loan for your type of credit situation '' XXXX also ran a credit application without my permission.