23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and complete dismay upon discovering that the following company or companies have reported charge-offs on my consumer report : 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 XXXXXXXX ] As per IRS regulations XXXX when a creditor charges off a debt, it signifies that the creditor has relinquished attempts to collect the debt and has categorized it as a tax loss. In accordance with this process, the creditor is obligated to submit a 1099-C form to the IRS, detailing the canceled debt as income. This situation implies that I may be liable for taxes on the charged-off amount, despite not having received any funds from the creditor.

Allow me to be unequivocal : the presence of these charge-offs on my consumer report constitutes a clear violation of my consumer rights, opens the door for discrimination and is completely unacceptable. I demand the immediate exclusion of the aforementioned accounts without any further delay.

I wish to remind you that the consumer laws mentioned below are not mere suggestions but legally binding regulations that you are obligated to adhere to : 1. 15 USC 1681a 2 - Exclusions ( a ) ( i ) : This subsection of the Fair Credit Reporting Act explicitly states that " Any report containing information solely as to transactions and experiences between the consumer and the person making the report. '' 2. 15 USC 6802 : This section of the United States Code outlines the obligations of financial institutions regarding the disclosure of personal information. It delineates the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties. Financial institutions are mandated to clearly and conspicuously inform the consumer, in writing or electronically, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to opt out of such disclosures and must receive an explanation of how to exercise this option.

3. 15 USC 1681b ( a ) ( 2 ) : This section of the United States Code specifies the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under certain circumstances, primarily when the consumer provides written authorization. I have not, and will not, grant any creditor the right to include negative, inaccurate, and injurious information in my consumer report.

It is abundantly clear that the presence of charge-offs on my consumer report directly violates the aforementioned laws. Consequently, I am entitled to receive compensation for this deliberate noncompliance, as outlined in 15 US Code 1681n.

I do not anticipate receiving verification of the item in question, as it is evident that it is in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mail a certified letter to TransUnion to have 4 unauthorized inquiries removed that I do not recognize on my recently pulled credit report. The letter attached is their response which showed that nothing was done and I could sign up for another one of their service products to help with that. Tried calling the 800 on XXXX XXXX, 2020 but could not get through. It seems as though this letter was sent without any work done to look into the issue and provide a resolution. I am very concerned with my credit especially as it relates to unauthorized inquiries as just does not seem as though they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below reported one late payment for XX/XX/2023 I already fix the issue with the company they agreed to remove the late payment. The current account status should be never late on any payments. 

Account name : XXXX XXXX Account number:XXXX
Product: Money transfer, virtual currency, or money service

I have XXXX in my PayPal and I have been trying to get my money released and PayPal refuses to give me my money back
Product: Credit reporting or other personal consumer reports

I realized that my credit was stolen when I got a call from XXXX card services requesting that I call them back regarding a credit card application I applied for due to me having an alert on my credit account asking that I be contacted prior to anyone opening credit in my name due to fraudulent XXXX XXXX XXXX credit card being opened in XXXX of XXXX. I then looked at my credit report and noticed a few credit checks and called the banks on XX/XX/XXXX to let them know they were fraudulent and to not process those credit applications and then froze my credit. I was able to reach XXXX, Capitol One, XXXX XXXX and XXXX XXXX before they approved the applications and they were all marked fraudulent. These are all still marked as hard inquiries on my credit report even though they are marked as fraudulent. I have been unsuccessful removing them from the creditors via dispute and contacting the credit card companies directly. The hard inquiries on my report from XXXX XXXX XXXX are XX/XX/XXXX and XX/XX/XXXX ( from when the unauthorized credit card was opened ), Capital One XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXXt XX/XX/XXXX.
Product: Mortgage

I filled CFPB Complaint Number XXXX and I believe it was closed without a clear resolution to the false statements made by Plaza Home Mortgage advertised and explained forbearance service, and miss leading statements made by Consumer Account XXXX XXXX XXXX. 

The company stated " Pursuant to your correspondence, we requested our Credit Reporting Team to review the account for any delinquent credit reporting during the forbearance period effective XX/XX/XXXX through now.. We have been informed that the account was reported as current for XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX with a special comment indicating the account was in forbearance. Further, we suppressed the credit reporting on the account for XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. Please note the account has not been reported as delinquent effective XXXX XXXXthrough now. '' The review action on my credit was more than just a review as review does not change your rating. This review resulted in 4 negative reports which were flagged by " XXXX '' which has clearly shown me that the company doing business at XXXX XXXX XXXXXXXX, XXXX XXXX, NJ made derogatory annotations on my credit that resulted in a major decline in my credit score. It was made clear to me before forbearance that no derogatory remarks would be reported to the credit agencies if I chose to exercise the plan. If I would have been informed that anything negative was going to be the result of my forbearance choice, I would have made a different decision. It was never disclosed to me that this would happen. I can supply copies of the derogatory entries if needed. I tried to present them here but this page is not setup to receive screen captures.
Product: Debt collection

I receive multiple calls a day from Portfolio Recovery. Every call is from a different number in a different state. I have answered multiple times to ask them to stop calling me. The collector hangs up or is harassing toward me. I want these phone calls to stop. When I do answer the call the collector is rude, threatening and belittling. Especially in this time of what is going on, that is not necessary. I have blocked every number that they have called me from but they just call from a different number. I have not received any mailings, just harassing phone calls 7 days a week. 

Below are some of the phone numbers that I have been contacted by - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Those are just the numbers I can identify. I have over a dozen more that my phone identifies as SPAM that I am sure belongs to portfolio recovery. They call me multiple times a day from the different numbers and 7 days a week. I receive phone calls on Sundays at XXXX! 
This harassment needs to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX U S DEPT OF ED/XXXX ( Original creditor : XXXX  XXXX ) XXXX Balance : {$4100.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} ; U S DEPT OF EDXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$4100.00} XXXX U S DEPT OF EDXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$2400.00} ; DEPT OF ED / XXXX XXXX Balance : {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Kohls credit card account has violated my rights. 

15 usc 1681 section 602 states i have the right to privacy 15 us 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Money transfer, virtual currency, or money service

I have had an account with PayPal for years and utilized their option to pay over time with no interest if paid off within 6 months. Recently despite several calls to the company each month requiring 30 or more minutes each time, they continue to allocate payments to the most recent charge, not the one that is required to be paid first in order to avoid accruing interest charges. There is no way on their site to allocate the payment amount yourself and despite repeated requests to pay off the charges by length of time posted, they continue to pay the most recent charge first, clearly in an attempt to catch the lender out and charge interest even though the amount should have been paid off.
Product: Debt collection

My husband and I have received a number of calls from XXXX XXXX, an Independent Process Server regarding an attempt to deliver civil documents. She gave me the number of a company Alternative Dispute Resolution in XXXX TX ( XXXX ) XXXX File # XXXX. I spoke with a man by the name XXXX XXXX who told me that he was trying to send documents to my husband regarding a debt to XXXX   XXXX XXXX from 2006 resulting from overdrafts. I asked him to send the information certified mail, to which he refused. He said if we did not allow him to serve my husband at work they would move forward with taking legal action to attach wages, tax refunds, and seize assets. He claimed they were not a debt collector. He refused to send the information certified mail and hung up on me. I also believe he should not have shared private information regarding my husband.
Product: Credit card or prepaid card

I am having problems with : CO-OP Financial Services XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX, XXXX XXXX Their phone is = XXXX -- XXXX coop extension They are contracted by 'XXXX  XXXX XXXX ' CO-OP Financial Services ( risk_email@coop.org ) is not returning my money from FRAUD TRANSACTIONS on XX/XX/2018 ... {$990.00} ... ... XX/XX/2018 .... {$490.00} CO-OP Financial Services ... hangs up the phone on their customers and needs to return my money from the fraud transactions. 

CO-OP Financial Services ... needs to be SHUTDOWN and not operate.
Product: Mortgage

I am a XXXX woman. I have a, FHA secured mortgage with BOA as they are the servicer. Due to the cost of living increase and my only source of unearned income being from Social security I applied in XXXX 2014 for a modification to my high interest loan. I have been treated with discrimination due to my unearned income. They have ruined my credit with the credit agencies in their unfair treatment. I have consistently paid, every month the escrow and payments toward principal. The BOA fails to report these payments as mad and refuses to abide by the rules of FHa whereas the direction of payments with FHA secured loans are first applied to escrow evry month then to the principal. this has been going on for more than 16 months. it is unfair as I qualify for modification to my excessive interest and they fail to abide by federal and state laws. The FHA standards for home modification allow for a {$100.00}. decrease in monthly mortgage or a mortgage payment equivalent to XXXX % of the gross income. My gross income is sworn to with proof and BOA wrongfully enlarges the gross income. this is against the law as my income is unearned and not taxed. I provided BOA and FHA the DEPT OF REVENUE facts that my income is XXXX % below poverty and XXXX % of what the minimum wage is. Therefore if it were an invome I would not be taxed. I also provided them with proof that XXXX persons can not receive earn income deduction from IRS at tax time like working people. BOA keeps violating my rights. Please step in to report them to the GOVERNMENT for unscrupulous conduct and breaking federal laws to disable, handicap and women.
Product: Credit reporting or other personal consumer reports

Dear CFPB, IRS, XXXX, XXXX, XXXX XXXX, SOUTHWEST CREDIT SYSTEMS I am writing to demand the deletion/removal of an unlawful and inaccurate report on my consumer report. SOUTHWEST CREDIT SYSTEMS has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. Furthermore SOUTHWEST CREDIT SYSTEMS has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, XXXX, XXXX, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the XXXX XXXX. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
Product: Debt collection

COLLECTOR FAILED TO DISCLOSE DATE ON RIGHT TO DISPUTE/VALIDATION REQUEST LETTER. THIS BEHAVIOR IS DECETIVE AND MISLEADING THE CONSUMER IS A VIOLATION OF CFPB-PROHIBITION OF UNFAIR, DECEPTIVE, OR ABUSIVE ACT. ( DODD-FRANK WAL STREET REFORM AND CONSUMER PROTECTION ACT. SEE ATTACHED. ALSO, XXXX NOTORIOS FOR SENDING THEIR DEBT TO COLLECTION AGENCIES PRIOR TO VERIFICATION OF DEBT PAYMENTS.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint - Violation of 15 U.S. Code 6802 - Discrimination Concern - Capital One Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a potential violation of 15 U.S. Code 6802 by Capital One, a financial institution that I have an account with.

As a consumer, I am entitled to privacy protections under this statute, which mandates that financial institutions adhere to specific requirements when disclosing personal information. Section 6802 stipulates that financial institutions may not disclose nonpublic personal information to nonaffiliated third parties unless certain conditions, such as providing proper notice and an opportunity to opt-out, are met.

My concern is twofold : a potential violation of this statute and the consistent misuse of my credit report. I spoke with a manager at Capital One on XX/XX/2024, at XXXX XXXX. Unfortunately, despite my efforts to seek clarity and assistance, the manager refused to provide any help or information.

This refusal to assist has intensified my concerns, leading me to believe there may be a deliberate pattern of negative reporting that goes beyond normal circumstances. Consequently, I feel compelled to bring the issue of potential discrimination to your attention. 

This letter serves as a formal request for your intervention in this matter. I am urging a thorough investigation into the potential violation of 15 U.S. Code 6802. Additionally, I request confirmation as to whether Capital One has complied with the statutory provisions. If a violation is determined, I kindly request that Capital One ceases and desists from reporting any further negative information on my credit reports. 

Given the urgency of this matter, I would appreciate your prompt attention. Furthermore, I insist on a thorough examination of the potential discrimination issues arising from the consistent misuse of my credit report during the investigation. 

I am submitting this complaint electronically for your records. Please acknowledge receipt at your earliest convenience. 

Thank you for your attention to this serious matter. I look forward to your assistance in resolving these concerns. 

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

I disputed the " late payment '' markings on my credit report multiple times in writing including in a letter dated XX/XX/2021, these are unverified and incorrect. I have contacted Exquifax more than once about this issue and ask that they please removed these " late payments ''. Thank you.
Product: Vehicle loan or lease

On XX/XX/XXXX, I entered into a consumer credit transaction with a marketable security in the form of a XXXX with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX of XXXX XXXX XXXX XXXXccording to US Code 1602 ( i ). Section 15 of the Securities Exchange Act of XXXX makes it unlawful for any broker dealer to purchase, sell in effect transactions in securities using the means of instrumentalities including Promissory Notes of interstate commerce unless they have been registered with the SEC. Neither XXXX XXXX XXXX XXXX or XXXX XXXX are registered with the SEC. XXXX XXXX Bank accepted a negotiable instrument, converted it to a Promissory Note, perfected it and attached security interest to my vehicle VIN XXXX and forged my signature to a Promissory Note without my permission. 

Central Trust Bank issued a 1099c Cancellation of Debt and placed a tax liability upon me, but refused to cancel the Promissory Note that was never signed by me. A Promissory Note must be signed by the borrower for it to become valid. My name and collateral interest was forged to assign a lien to my property which is a violation of 18USC 641.

Central Trust Bank entered into a XXXX loan with XXXX XXXX XXXX XXXX not me. I have sent Central Trust Bank and XXXX Imports, a revocation of security interest in the vehicle as well as a Billing Error Notice and request that Central Trust Bank properly tender this Promissory Note as sent in the Cancellation of Debt and remove their security interest. 
This transaction is fraudulent and I ask the CFPB to intervene and protect me consumer rights.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have been attempting to get USAA to issue me a replacement check for the one they sent me that got destroyed. They refuse to provide this to me or correspond about my request
Product: Debt collection

Bull City Financial Solutions has posted three collection items with the three leading credit agencies XXXX, XXXX, and XXXX. I have tried to get these items removed from my account several times because they are inaccurate. I have never had any business dealings with this organization. There has not been any signed contracts, verbal contracts, or any services provided to me through this organization. They have the Provider of service listed as XXXX XXXX. I have spoken with this XXXX XXXX and according to them, I had XXXX during the time of service. Under the HIPPA law I am allowed to protect my privacy and medical records. I have filed a dispute with all three bureaus requesting validation of this debt. Bull CIty Financial should not have any access to my medical records because I never signed authorization for them to obtain this confidential information. Therefore, I am requesting this organization to remove any and all listing from my credit report because I have no contract with them and the account has been settled with the provider of service XXXX XXXX. See items below : # 1 BULLCITY FINANCIAL SOL {$180.00} XXXX XXXX, XXXX XXXX, 2017 # 2 BULLCITY FINANCIAL SOL {$260.00} XXXX XXXX XXXX XXXX, 2017 # 3 BULLCITY FINANCIAL SOL {$170.00} XXXX XXXX XXXX, 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX - XXXXXXXX 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