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

SYNOVUS BANK is in violation of multiple laws set forth by Congress in regards to the following account # 4XXXX 15 U.S. Code 1681 a ( 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 ( SYNOVUS BANK ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( SYNOVUS BANK ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agencies ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. SYNOVUS BANK can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screen shot from the IRS website. By definition, the IRS clearly says a cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from SYNOVUS BANK for the cancelled debt of { { {$35000.00} } } in order to file as ordinary income. Where is my 1099-C SYNOVUS BANK is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$35000.00} }. This is unsatisfactory! SYNOVUS BANK has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In SYNOVUS BANK terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not affiliate of SYNOVUS BANK nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in Federal Law. I have the right to privacy and per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization. I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have written, non written, verbal and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681 s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( 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, in accurate. SYNOVUS BANK must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account.
Product: Debt collection

The complaint is against CAPITAL ACCOUNTS. 
I received a letter from them about an unpaid bill, and right away I responded with a letter ( will be attached ), and disputed this collection for a couple reasons. I will be disputing this for several reasons, this bill was a malpractice job and I tried taking the doctor to court for malpractice. I doctor did not follow up to collect the money until I received a letter in XXXX, from a collection agency. Not to mention that this debt collection agency is doing unlawful collection, from a bill that was billed in XX/XX/XXXX. This bill by California law is uncollectable, it has been 8 years already.
Product: Credit reporting or other personal consumer reports

Identity theft occurred in XX/XX/year> for XXXX $ under A XXXX purchase that was processed by Affirm. Used my Credit card to to pay 2 payments after and upon me changing my card due to other activity not related to affirm There was no more payments made. However 2 years later i find out that there is an affirm personal loan in my credit report that i was Unaware about. upon calling Affirm no Help or assistance help regarding identity theft they insisted that the loan belongs to me. Regardless of the documents they have, which were electronically signed By the Theif They fail to follow protocol.
Product: Vehicle loan or lease

The loan has been charged off and sold and traded over the secondary and primary markets. Santander XXXX XXXX XXXX possesses no rights to the vehicle, the vehicle has been paid in full.
Product: Credit card or prepaid card

I called Capital One Financial Corporation a few weeks ago in order to get account statements from 2011 to the closing of the account for tax purposes. Since the account has been sold to a collections agency, they refused to send me the account statements and instead told me to contact the collections agency that owns the debt.
I am not yet ready to start paying off the debt and am concerned about predatory collections agencies making life difficult for my family and myself so I need to be able to get the account statements from CapitalOne without engaging with the collections firm.
I have already talked to the Office of the Comptroller of the Currency and relevant California state agencies about this issue and all have redirect me to the Consumer Finance Protection Bureau.
Product: Debt collection

I took a call from Premier Holdings about a XXXX XXXX XXXX loan I took in 2007. They said they are calling me because they sent a notice to me but it was sent back to them, which would be false because I never got it in the first place! 

I have paid this debt in full but they are saying I owed over {$1300.00} still but they were willing to settle the matter today for {$650.00}. They said that if I did not pay today they would take me to court and have my wages garnished. I told them to prove to me I did not pay it and supply documentation. What they supplied to me was a copy of the loan document with the truth in lending disclosure that I signed when I got the loan. 

I contacted XXXX XXXX to verify the legitimacy of the debt and after talking with several people at XXXX XXXX they agree there is no debt owed by me and they do not show where they have sold any debt I had to anyone. They too were concerned that someone is trying to collect on a debt that is over 12 years old paid or not.

It is my understanding that in both the state of California and the state of Texas, collection companies can not collect on debts older than 4 years old which makes me scratch my head as well. However this is not the case in my situation. My debt was paid, and they have been unable to provide any type of proof of written collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account for XXXX accounts is # XXXX, which 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 my written instructions Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX, XXXX XXXX on the date XX/XX/XXXX, and XXXX XXXX XXXX  in which was XX/XX/XXXX and also from the same company XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX and the date of inquiry XX/XX/XXXX. I noticed a total of three unauthorized hard credit checks by XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Another company unauthorized pulled my credit known as XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) marked a negative inquiry affecting my credit score. Next, a company called an XXXX XXXX  company unauthorized checked my credit. Also, XXXX XXXX in which the date of inquiry was XX/XX/XXXX, XXXX  XXXX, the inquiry date was XX/XX/XXXX, and XXXX XXXX XXXX  XXXX, the inquiry date was XXXX and XXXX XXXX, XXXX  XXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXX XXXX  and XXXX are unrecognized credit companies to access my credit report for this reason. A recent company that goes by XXXX XXXX, XXXX XXXX reported a hard inquiry on XX/XX/XXXX. Inaccurate information was disclosed by the employee when gathering my information for the credit card application. I was told it would be a soft inquiry. The employee authorized permission to give his phone number which is XXXX dispute confirmation number provided by Equifax is XXXX. For all the hard inquiries mentioned above, I didn't give the companies authorized to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. I've contacted all the credit bureaus and credit reporting agencies pior to submitting this claim The dispute confirmation number is XXXX.
Product: Credit reporting or other personal consumer reports

Company is reporting inaccurate, inconsistent and non compliant information of Experian and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a background check done through First Advantage for employment and a XXXX XXXX XXXX is coming up on the report who has a felony. This is not me and almost cost me getting this position. 
It was also brought to my attention that this is showing on my SSN verification as well. 
I would like this removed from my background check
Product: Debt collection

Called my employer looking for me and was speaking in a threatening manor and even harassed my employer about my whereabouts. Then continued to call me and I would answer and they would threaten me not give any detail about the alleged debt or contract breach that never happened
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. COLLECTIONS XXXX {$300.00} COLLECTIONS XXXX {$290.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$76.00} XXXX XXXX {$570.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$12.00} XXXX XXXX XXXX {$2000.00}
Product: Debt collection

These people keep leaving written notices on my door to contact the Mortgage company ( Carrington Mortgage Services ) regarding another borrower 's mortgage ( XXXX XXXX ). XXXX XXXX lived in the condo directly beneath me in my building. <P/>I have contacted these people by phone three times now asking them to stop embarrassing me with these notices since the unit I live in was purchased with cash by the XXXX XXXX XXXX and there is no mortgage. I have explained to them each time that the unit in question is the unit directly below mine. The phone number on the notice is XXXX I just received another notice today. I receive one of these embarrassing notices taped to my door every few weeks. <P/>Please understand that since this is someone else 's debt ( entirely unrelated to me ), I am unable to provide account information, amount owing, etc.
Product: Mortgage

Referencing XXXX  complaint number XXXX. With Shellpoint Mortgage The long and short of it A few years ago when Shellpoint took over my mortgage, my payments were misallocated, to where I dont know. 
They threatened with foreclosure.. 
I sent them the every cleared check to prove I was not late, in the midst of this they reported me to the credit bureau and ruined my credit, they refuse to fix this. 
XXXX at the XXXX  has been working with me, suggested I contact whistle blowers. 
Till this day they are claiming I am late and charging late fees, which I am not. 
In a written response to the XXXX  Shellpoint was to return my mortgage in good standing and has not.I receive weekly standard correspondence that says we are working to gather information This has been going on for 2 years and Ive suffered enough stress over this and want this fixed. Its terrible a mortgage company can control a person. 
They also have threatened foreclosure, Including sending someone to the house to photograph it for them. 
I really could use your help. 
Thank you
Product: Debt collection

I have been receiving letters and a voicemail message from XXXX offering a discount on a debt of {$2500.00} that needed to be taken care of. They said they were issuing a 1099C against me. I had no idea what the debt was for so I went to the website and found that it was a debt that my ex-husband incurred several years after our divorce was final XX/XX/XXXX, XXXX XXXX, TX. 

I found the case online and stated that it was not my debt that I had been divorced since XXXX and requested they cease and desist contacting me for a debt that I did not owe. 

In less than 2 weeks they called my husband 's phone and requested to speak with XXXX XXXX ( my ex-husband 's name ). They said they were collecting a debt that I owed and he gave me the phone. 

I informed the woman on the phone that it could not possibly be my debt because it happened several years after my divorce. I only know that because I asked her what year it was from. I informed her that I had a voicemail from her company stating that they would report me to the credit bureau and IRS. She said that her company does not ever threaten to do that ( see attached folder ). I also requested that she send me some proof with my signature on it for the debt they were collecting. I have not received that from them, just papers to fill out for fraud. I can not fill out fraud papers if I do not know what the debt is for or if someone was impersonating me in the mid XXXX. 

They have refused to listen to me or address my request for proof of a debt that is over 25 years old. Unfortunately I am tied to that man since I was married to him from XXXX to XXXX. After some research I did discover that he died in XX/XX/XXXX. I have had no contact with him since the divorce and do not know what happened in his life since XXXX. 

I do know that the debt is not mine. I had to pay off his tax debts for the last 2 years of our marriage because he would not file his taxes. 

I have received no proof that my name or signature was ever on that debt. It is not on my credit report and this company needs to be reported. I am attaching a transcript from the voicemail that stated they had filled out a 1099C tax form. 

Fraud forms sent to me are from Convergent Outsourcing , Inc showing creditor as XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

We tried to send money to a family member, XXXX XXXX, and to make sure we sent to the right person XXXX sent us a request for the money. We have attached a copy of that request below, which is from XXXX XXXX, XXXX. We responded to the request and sent XXXX on XX/XX/year>. XXXX XXXX, the intended recipient, confirmed to us he did not receive the money, and we checked with him every day as we thought maybe it had to clear with the banks given the amount. By XX/XX/year> when he still had not received the money we tried to reach out toPaypal, but could only correspond through email, so we filed a claim with XXXX XXXX XXXXXXXX. 


The Chargeback Response Form information that we received from XXXX XXXX XXXX shows a : Seller name : XXXX XXXX with a Seller email address XXXX. First of all, we were not buying a service or good, we were sending money to a family member, named XXXX XXXX, however XXXX email address is XXXX. 

We believe fraud has been committed as the intended recipient, XXXX XXXX, XXXX, has not received the funds and they are not a seller nor is their email XXXX.
Product: Student loan

I do not appreciate the tone of the representatives from Navient who call and threaten to " move your file to the next step '' If you do not contact them by XXXX. Not only am I in the military ( XXXX ) I WORK too and also recently relocated to a different state a few days ago. I refuse to work with prying unprofessional rude people who do not have the common courtesy to help you out as apposed to questioning, WHY you can not pay something. If i do not have the money at the time, simply put I DO NOT HAVE IT but was willing to pay the following week. I have not been in my position for weeks to even come to a conclusion as to when I can pay before XXXX XXXX. I was willing and able to set up arrangements for XXXX XXXX, but received threats instead.
Product: Credit card or prepaid card

Discover, without my authorization, signed me up for Payment Protection and have charged me over {$3200.00} since XXXX. I have asked to be refunded the full amount and they said they would only return the past six months. I struggle every month to pay my bills and they have taken advantage of me. I also know that there was a class action lawsuit which they admitted no wrongdoing. What concerns me is that Discover continued with the unauthorized program after they were caught.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been communicating with Experian for months about items they have listed on my credit report. I've reached out to the original creditors and none of them have any documents linking these accounts to me. So when I asked Experian to provide me with some sort of method to show me how they are verifying that these accounts are mine, when the original creditors don't have this information, and they refuse and dodge the issue for months. 

They did the exact same thing in response to my most recent complaint - other credit reporting agencies removed these false accounts because, when I asked them to produce documents or provide methods used to show that this information is mine, they couldn't because there isn't any. 

I've gone to the original creditors to provide information linking these accounts to me, and they don't produce it so they don't have it. 

So my question - and my issue is - how does Experian justify having this information on my credit report? I don't give a XXXX how differently you interpret the FCRA, what is clear is that I have the right to ask you for any documents or proof bearing my signature linking me to these accounts. And in the absence of this proof, you are supposed to remove this information from my reports. 

That is the issue. Not repeated requests - one request : show my your paperwork. 

Not about what other CRAs have done, they followed the law. 

It's not that I didn't go to the Original Creditors - I did that and that's why I know there's no documentation linking me to these accounts. 

So, either provide me with documents stating that the accounts you're reporting are my accounts, or remove them from my report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( BLOCK, Inc. ) do 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. Moreover, their dispute resolution process wasnt fair and was deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair reporting credit act TRANSUNION, XXXX, and XXXX has violated my right. 

15 U.S.C 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 ; Also states that a consumer reporting agency can not furnish a account without my written instructions. 

I did not give TRANSUNION, XXXX and XXXX no written instructions to add this account to my credit report. XXXX XXXX XXXX ACC XXXX
Product: Debt collection

In the midst of applying for a mortgage, I learned of these collection accounts which are deeply, negatively impacting my credit. The company refuses to Delete the items even with payment. These debts belong to my ex spouse, who did business with these companies when his vehicle was in my name. I didnt know these items were outstanding but yet I am suffering as a result. I am willing to pay because he is no longer around but I need these items DELETED from my consumer report.
Product: Mortgage

I changed financial servicing companies as BSI Financial Services lousy service was an issue i moved my account for my home to another institution, my BSI loan was paid in full and confirmed. 

Yet BSI has and is withholding mu refunds as they have again and again overcharged me now owing me over {$620.00} i asked when and why they are holding MY MONEY, the answer was " Yes he got the wired funds and they cleared the banks, but BSI has a " Reputation '' of keeping large sums of monies from people like your self to make more on % until we are forced to refund funds to those we owe '' I find this reprehensible, illegal and demand my over-payment funds be returned to me ASAP
Product: Credit card

This card and 1 other were opened XX/XX/XXXX and I have never had this card in my possession. I reached out to the company XX/XX/XXXX and was told that I would get a call back and never did. I called again in XXXX and same thing happened.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of fraudulent activity on my credit report as a result of a data breach. I am a victim of identity theft and, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the fraudulent account and credit inquiries listed below. 
Fraudulent Account : Creditor Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Fraudulent Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX ( two separate inquiries ) XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My bank of America account was compromised. Scammer gained access to my account, changed my online password added the # of XXXX to my account. They also added XXXX XXXX XXXX as a XXXX XXXX. 

Today they opened another bank of America account ending in XXXX and authorize a transfer of {$25000.00} in my name. 

Bank of America has now froze my account, due to fraudulent activity which is protocol. 

I am hoping you can use the information provided, to stop these scammers from doing this to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been under contract with either of the companies and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded. Ive reached out to all companies with zero response and everytime its disputed off of my credit history it reappears. 


XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX - XXXX XXXX XXXXXXXX XXXX XXXX, Illinois IC Systems - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN