23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

At some point XX/XX/XXXX or XX/XX/2016, I discovered that an item I had purchased had n't shown up. I decided to look into all my statements to find out if the item had been paid for. I decided to log onto the Capital One website and set up a login name and password. I did so and checked the statement. Everything seemed ok so I moved on. I had been receiving my statements in the mail for the past 21 years from Capital One and had always paid on time. I rarely use my credit cards and prefer to use my debit cards. I did however have my phone bill tied to the Capital One account in order to keep a little activity there. XX/XX/2016 I went to use the Cap One card and it was declined. I called Cap One and they told me I had an unpaid balance that was over 120 days late. I immediately paid the small balance and all the late fees right then and there. After several attempts to discuss the matter with someone over the next few weeks I had pieced together the fact that when I logged on the site XX/XX/XXXX or XX/XX/XXXX, I was automatically signed up for the paperless service. I did not know this at the time. I was told that there was a box that is checked by default and that I needed to uncheck it in order to not be automatically enrolled in the paperless service. I 'm not here to argue that the payments were not late because technically they were. I 'm here to argue the fact that because I was automatically switched over to paperless billing without my knowledge, I wound up missing 4 months of payments. I was never notified by mail or a phone call from Cap One. I now have to put off a new home for several years because I am dealing with a FICO score XXXX due to their automated paperless feature. I ca n't imagine that this is an isolated incident as I 've looked into it and have read about it happening to others. I find this to be very unfair for someone who 's always had excellent credit. I simply want my credit restored. Capital One has been unwilling to address the issue and remove the negative info. As for lost money, it 's going to cost me in the future over 1 ) much higher interest rates and 2 ) anticipated home appreciation ( XXXX County, CO : over XXXX % increase in 2016 ). One ca n't earn let alone save money fast enough here to keep up with the hosing market. I 'm guessing it 's a loss of over XXXX-XXXX on a 15 year loan due to increased interest rates since I 'm high risk. If I wait it out a year or two for my credit to improve slightly then XXXX-XXXX on one year 's anticipated appreciation of a XXXX home ( being conservative ), or another way to say it is that I 'll be potentially looking at a $ XXXX- $ XXXX home in two years that I could be buying now for $ XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 US Code 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies, Equifax, do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 US Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 US Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

I Applied for A Mortgage loan with 5/3 Bank in 2012 for A repossessed house and the house needed some repairs too. So the loan XXXX at the Bank XXXX that I use the Banks own XXXX to repair the House before the loan will be Approved I agreed. The job was n't done right or on time so I Contacted the bank again to tell them the XXXX of the job that their XXXX did. So the Bank sent an XXXX 5 times to my House because their XXXX told them that the House was Completed. 
Coming to find out from the XXXX that the XXXX was XXXX and the XXXX was XXXX. So because I refused to sign the XXXX from the Bank to the XXXX he filed a lawsuit against me and the Bank. So the bank Charged me {$940.00} Stating that they had to file a response to the Lawsuit even though it 's the Banks XXXX that did n't complete the job like he was supposed to. We went to court and the Bank Settled with me so that they 'll be out of the case and then they turn around and add the {$950.00} to my Mortgage payment. So I 'm paying extra towards my principal and the bank is taking the extra as a payment for {$940.00} which I do not owe them for ... ..
Product: Credit card or prepaid card

XX/XX/2023 AND XX/XX/2023 I received these notices from Synchrony Bank that my accounts from JCPenney and Belks Department Store were being closed because of I made dishonored payments on other accounts with Synchrony Bank. They have since closed my accounts with Lowes and Rooms to Go Furniture store. I called Synchrony Bank on XX/XX/2023 and they connected me with the fraud Department the Rep I spoke with told me that there were several attempts to make a one-time payment to my account of {$3800.00} and of course I did not have that in my account to start with and I nor my husband ever tried to set it up as a one-time payment. I always call my payment in as it is due monthly XXXX the last of which was paid XX/XX/2023 of {$150.00}. I would never try to set up a one-time payment of such a large amount knowing that I do not have it in the bank. I had notifications set up on my phone that will tell me if something was wrong with my bank account I never got anything notifying me that such a large amount was trying to clear. They never told me how it was supposedly being set up time, day, or anything. I work an hourly paid job my husband is in the military. We live paycheck to paycheck to pay our bills we just purchased a house. There is no way that I would set up a one-time payment of over {$3000.00} to come out of my account
Product: Credit card

We are trying to resolve an issue with Chase and we are unable to reach them for a discussion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

I sent letters out over 60 days ago and still haven't gotten a response from anyone. These clowns have been past there 30-45 day timeframe. I feel like they are ignoring my letters.
Product: Debt collection

MRS BPO LLC, Inc. uses tactics like using caller ID spoofing calls.These spoofed calls ( have same area code and the first 3 digit similar to my phone number ) call me as early as XXXX pst. and they called a dozen times a day for 3 to 4 consecutive days before they actually used a legit or real phone number ( XXXX and XXXX ). When they called or leave a message with a real phone number. Conversations and messages are about the seriousness of a legal matter and if I don't respond, they threatened to garnish and withhold my SSA payments. Send CEASE and DESIST messages by text to both real phone numbers of MRS BPO LLC, Inc. on numerous times since XX/XX/2020 but to no avail.
Product: Mortgage

Wells Fargo is fighting me on every insurance policy they require I hold. 

The company keeps claiming they have NOT received insurance renewal details, though XXXX claims they sent the renewal information to Wells. My last attempt to update the building 's mater policy was met with " that's not good enough. '' They told me I had to add special endorsements to the bottom of the master policy in order for Wells to accept the updated details. 

This always leads to my trying to contact the insurance department, but they don't seem to take calls on the published number. The phone router requires endless inputs, but will not allow me to speak to a rep. 

My mortgage was sold to Wells Fargo. I did not want to be with this company as they tried to take funds from the escrow account. It seems now they are rejecting every insurance policy update and make as difficult as possible to provide acceptable proof of insurance so they can sell me an overpriced new policy. This type of harassment should not be allowed, and they should not be able to profit from selling insurance on mortgages they service. I have NEVER had a lapse of insurance. 

Our condo staff roll their eyes when I tell them I need insurance details for Wells Fargo and have stated they are, by far, the most difficult to deal with. 

I don't believe Wells Fargo is an ethical company, and I would not have selected them, but because they are allowed to buy mortgages, I am stuck their harassment. I'm guessing they want me to go to another lender so they can offload this low interest loan. 

I now have to spend time a few times a year on hold hoping I'm lucky enough to speak with a rep to prevent them from buying insurance on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX / XXXX    XXXX   via  XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Dear  XXXX  via  XXXX  : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of m y Trans Union cr edit report,, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date :  XXXX ,  XXXX  If you can not provide such documentation, you are obligated to remove the offending inquiry at once.   Sincerely yours,  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Dear  XXXX    XXXX   XXXX   XXXX   : Why does your hard inquiry (  XXXX ,  XXXX  ) appear on my  Trans Union credit report (   XXXX  )? Are n't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act?   Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now.   Sincerely,  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX  via  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  Dear  XXXX   XXXX   XXXX  via  XXXX   XXXX  : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of  my Trans Union credit report, pursuant to the permissible  purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date :  XXXX ,  XXXX  If you can not provide such documentation, you are obligated to remove the offending inquiry at once.   Sincerely yours,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXXl 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 an account without my written instructions.
Product: Student loan

XXXXXXXX XXXX XXXX XXXX is trying to collect on XXXX XXXX  that were not included in the Cares Act. However, all of the loans I have are supposed to be in forbearance. I was contacted by a collector via email about loans for them and XXXX XXXX. There was no notification that it was a notice to collect a debt/ to verify the debt, so even that practice is not being followed. As someone who has been hospitalized for their mental health over student loans, talking about which actually makes the schools and other alumni bully me, I did not want contact from them to collect a debt as it triggers my XXXX. So, when they run rampant and collect freely, they have no concern for anyones mental health ; its just the school wants their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a 48 month Auto Loan with XXXX XXXX XXXX XXXX. The Loan amount was for XXXX. The account was opened on XX/XX/XXXXand closed onXX/XX/XXXX ; the total length of the Loan was 3 years 7 months. The loan was paid off early, and my payments were 100 % on-time with know missed payments in the 3 year 7 month term of the loan. XXXX XXXX XXXX XXXX properly reported that the Loan was successfully completed, and the account was closed successfully. After the successful report from XXXX XXXX my Credit Score dropped from a XXXX to a XXXX ... a 40 plus drop in my Score.

My dispute Is Not with XXXX XXXX XXXX XXXX ; XXXX XXXX properly reported the term of the loan for almost 4 years, this is a XXXX XXXX XXXX. My dispute is with the Credit Bureaus Itself. My Credit Score dropped over 40 points for closing a account for XXXX dollars, that I successfully maintained for almost 4 years, with 100 % on-time payments. I did not get any positive rating or increase in my Credit Score at all for paying off a XXXX dollar Auto Loan successfully. I am respectfully requesting that the CFPB investigate this matter. Because if this is happening to other Hard Working Americans and Military Veterans, the CFPB should be putting a stop to this injustice immediately. Thank you for your time and consideration on this matter.

XXXX XXXX XXXX
Product: Debt collection

They sat I owe XXXX XXXX XXXX XXXX XXXX for some sort of medical I've made several attempts to tell them I've been on Florida medicade since XXXX giving them all info to confirm this. I've filed a dispute with trans union they denied the dispute here is the number they gave me. XXXX. I'm at my wits end I've tried to rectify this to no avail. I can't even get the date of the service I was billed for but i was in a Florida prison from over a year prior to the date on my credit report until XX/XX/XXXX. No one will give me any info they just want ne to arrange a payment plan
Product: Debt collection

I was recently contacted by eastern revenue the debt collection agency telling me that I had a debt due of XXXX dollars from the XXXX college of XXXX. I put in a request to remove the charges from my account but I was told that the college policy states that I have to drop the class if I do not plan to attend it. But I did attend to take the class and I did, I went to the first few classes but the XXXX class in the professor told that I was not on the class role sheet. So I went to the financial aid office and they told me that my financial aid did n't go through and I do n't believe that was my fault. Because on my side it did go through. This past Thursday on XX/XX/XXXX I went to the school to dispute my issue again and this time I was told the reason why my financial aid did n't go through on their side was because I did n't apply for the XX/XX/XXXX financial aid but by the time I applied it was XX/XX/XXXX. I called the financial aid customer service and they were on my side saying it was n't possible for me to apply for XX/XX/XXXX if it was already XX/XX/XXXX. I believe nothing wrong happened on my side if anything wrongdoing was on the schools side.
Product: Mortgage

I 'm a renter and our rental home has been foreclosed on. Nation Star offered a cash-for-keys settlement in lieu of going to court to get a vacate notice. I accepted their offer and moved all our things into storage. 3 days before Nation Star was to send a realtor to the house to give the check and I hand over the XXXX keys they called me to back out. I was told the offer still stands and that they will still give me the settlement offer but they have stopped calling me and taking my calls. Whenever I call to get updates they put me on hold and never come back on. Because of this it has caused me stress which I now have XXXX and have been hospitalized XXXX times. I 'm also now on the verge of losing my job because of my medical condition. I was told by an XXXX XXXX that my XXXX is being caused by all this stress I 'm going thru.
Product: Credit reporting or other personal consumer reports

I have notified Experian multiple times of these unauthorized inquiries, and they still remain on my report. Experian refuses to comply with the FRA and remove these UNAUTHORIZED inquiries on my report. PLEASE SEE ATTACHED!!!
Product: Debt collection

I was renting an apt unit at their location called XXXX XXXX XXXXXXXX XXXX we moved in and we notify the manager XXXX we need to move out due to the apt ws unfit for me and my family it was not what they have promised us, the apt was dirty at the time we moved in the floor was damage the carpet upstairs has other people hair they claim they clean it but we feel they did not and also the laundry machine and the dryer was placed in the kitchen it is unsafe and health code violation to have this unit inside the kitchen next to the stove top when the dryer is running it will blew dust in to our kitchen area and created unsafe and not sanitary for our family to live on the stairs was hard for me to walk up I had fell multiple times while living there for the month so then we decided to move out gave the keys to manager XXXX sometimes on XX/XX/2019 and relayed to him and we left and told him to fix it before we can move back in he stated to our family he will have the collection company to make us pay him {$7000.00} after we left we were so upset that this company refused to work with us and so on XX/XX/2019 we contact him and asking him we will be willing to stay and work with him as long he promised us he will get these issue fix manager XXXX said we don't want to work with you and we send these penalty fee to our company XXXX XXXX to collect {$7000.00} from you and he said he already rent our place to someone else who will soon be moving in fyi knowing XX/XX/2019 rent has already paid in full at the time of move in, also we disputed this with him on XX/XX/2019 there for it is still the month of XX/XX/2019 and we still should have rights to continue our lease and it is still XXXX this is not XXXX there for this is a way of this co. collecting money {$7000.00} and yet they went and found new tenant within 24 hours and trying make us pay there for remove this now this is your scam your place was unfit for our family there for your co breached the contract.
Product: Credit reporting or other personal consumer reports

I am contacting Experian in regards to the account XXXX XXXX. Experian has stated they have investigated and marked my report as verified/acceptable. I am now asking Experian for verification of method of investigation. Please advise Experian has a 15 day window allowable to provide the method of verification according to FCRA. If not provided within 15 days this will be a violation of my rights and I will seek damages.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned regarding the serious possibility that the Three Credit Bureaus did not conduct a reasonable re-investigation concerning my dispute dated XX/XX/2019, to determine if the disputed accounts are reporting accurate information. The bureaus verified XXXX XXXX XXXX, and XXXX XXXX are reporting correctly. 
How can this be ... ... .when reviewing the accounts on my credit reports # XXXX, XXXX XXXXXX XXXX and there are several inaccuracies. 
1. XXXX  XXXX XXXX and XXXX and XXXX accounts are reporting under the Other Accounts section which makes the collections accounts report as a trade line with an account history. 
2. Incorrect account type listed as Open. 
3. Incorrect Account status as Collection Account 4. Indicating closed in parentheses does not make it a closed account ... .there must be a closed date and something reported under the XXXX XXXX. 

According to the Metro 2 guidelines XXXX XXXX XXXX and XXXX XXXX XXXX are Third Party Collection Agencies, whether it be Debt Purchaser, Factoring Companies, Debt Buyer or Attorney these accounts can only report certain information and should be reporting in the collection section of any credit report. 
1. Debt Collectors are only allowed to to report 3 account type codes which are 48, 77, and OC.

2. Also, Debt Collectors can only report the ACCOUNT STATUS codes of 93, 62 and DA
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX AND INQUIRIES WITH EQUIFAX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> for {$810.00}. I HAVE ALSO PROVIDED PROOF OF UNAUTHORIZED INQUIRIES THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT AND EQUIFAX REFUSES TO SEND ME INFORMATION REGARDING THIS MATTER ON MY CREDIT PROFILE.