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

After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S.

Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S.

Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
remove the following accounts from my profile immediately XXXX XXXX XXXX XXXX XXXX Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

You, CREDIT REPORTING AGENCY, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 
Transuion, XXXX, XXXX and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family. 
I need the information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit card

On Friday, XX/XX/2024 I called the fraud number at Citi card. I told them there were a number of fraudulent charges on my card dating back six months. I did not make these charges, most of them were from out of my home state. My card is maxed out at {$22000.00} and Citi Card said I owed them {$680.00} on XXXX XXXX. I was transferred around several times and finally got to an agent who said I would not be liable for the charges. 
Today, CitiCard sent me an email stating : Hi, XXXX. Based on the dispute you asked us to review, we've adjusted the Minimum Payment Due for this month. 
Your new Minimum Payment Due by XX/XX/2024 is {$680.00}. 
How your new Minimum Payment Due was calculated Your new Minimum Payment Due was recalculated based on the total new balance from your most recent statement, minus the disputed amount. 
This adjustment doesn't reflect any payments you've made since your last billing statement. 
If you've made a payment already, you can view your updated balance anytime in the Citi Mobile App or Citi Online.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissionsXXXX XXXX  consistently responds within

24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX  actions may
also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I entered into a payment plan with Synchronicity Bank for my TJ Max Rewards credit card and set up an initial payment. The payment was not processed until a week later at which point due to a bank issue where a deposit was delayed, the payment did not go through. When I contacted Synchronicity I was told that there was no record of me having made a payment plan. I expressed my concerns over being reported for a 30 day late payment hence my attempt to make payment arrangements and was assured that as long as I made a payment prior to XX/XX/23 I would not be in any danger of my payment being reported as 30 days late to the credit bureaus. While on the phone with the reprsentative I made an online payment of {$110.00}, far more than I was told I would need to for the payment arrangement which seemed to have never occurred according to the representative. Again, my concern was the negative impact a 30 day late payment would have on my credit score. The payment was processed and I took a screenshot just to make sure in case I encountered yet another issue with this bank. I just received a credit alert that my score has decreased and the reason is that this bank reported me as being 30 days late despite my payment just a day prior to the cut off. Every bit of information I have been given by the representatives I spoke with at this bank has been incredibly faulty and misleading. I am now having to deal with a late payment that I made every good faith effort to avoid and have substantial proof of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint XXXX and Experian investigated, and responded saying they would remove XXXX XXXX from my credit report, along with XXXX XXXX. XXXX XXXX was removed, but NOT XXXX XXXX. Original complaint # XXXX Dispute and request for debt validation was requested to Experian on XXXX2017 for the following : XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX On XXXX17- I called Experian to get the results and spoke to XXXX @ XXXXXXXX XXXX. XXXX informed me that Experian does not request validation of an account. He also stated that the accounts mentioned above would remain on my credit report. This practice is illegal, as the bureau is obligated to confirm/validate accounts upon my formal request. Also, they did NOT do a formal investigation. I filed a complaint with XXXX ( attached ) as validation was never received, for neither account, nor are either of the creditors licensed to collect in the state of Illinois ( attached ). XXXX XXXX agreed to remove the collection ( attached Company responded STATUS Company responded on XXXX/XXXX/2017 RESPONSE TYPE Closed with non-monetary relief Company 's Response Thank you for submitting your complaint on XXXX XXXX, 2017, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information that you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that there are two accounts on your credit report that you request be removed. Per your request to conduct an investigation, we contacted the data furnishers to verify the accuracy of the information with which you disagree. The disputed accounts have been removed from your credit report. The result summary, confirming the removal of the disputed information, was sent to you on XXXX XXXX, 2017. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian provides a misleading free trial report which turns into an automatic billing cycle. The worst part is after months of subsequently being charged $ XXXX/month, I am unable to cancel. They provide no capability to cancel online and require that you phone. After choosing the cancellation option via phone, you are put into a 2+ hour queue ( presumably, in hopes that you will give up and not cancel ). There is no call-back option or anything to assist if you are disconnected. After spending hours on hold and not being able to speak to a rep to cancel this service, I concluded my only option was to file this complaint.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate late payments reported on my credit report by XXXX for my federal student loans ( Account Number : XXXX XXXX XXXX ). 

I had 13 loans under this account, all of which were in approved forbearance from XX/XX/XXXX, to XX/XX/XXXX. During this period, I was not required to make payments. However, my credit report incorrectly reflects late payments for XXXX and XX/XX/XXXX on these loans, despite the fact that they were in forbearance. 

This inaccurate reporting has significantly damaged my credit score. Under the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate. Because my loans were not in repayment status at the time, these reported late payments are an error and must be removed. 

I previously contacted XXXX multiple times to request a correction, but they have not taken any action to fix this error. This failure to correct inaccurate reporting is unacceptable, and I am now seeking CFPB assistance to ensure XXXX complies with federal credit reporting laws.
Product: Credit reporting

I do n't know how to answer the preceding question and it appears irrelevant. 

I printed the form on the CFPB 's website to request a free annual credit report from all XXXX main credit agencies, completed it and mailed it to the address indicated several weeks ago, via certified, return receipt USPS delivery. I got a letter from Equifax that falsely claims it did not receive information just submitted, such as my address. It further demands my social security number and birth date. I have received copies from all XXXX major credit reporting agencies at the address provided since 2001, for well over 15 years. The credit bureaus are so out of compliance with existing laws and they have caused me so much damage with lost credit and higher costs of credit, that they should be required to send me my credit reports to the same address they have sent them to for years, but only AFTER the CFPB forced them to give me copies of my credit reports. A recent pull of my credit report from Equifax and XXXX by XXXX XXXX XXXX XXXX indicates that my credit score has dropped precipitously and could hurt my ability to get a mortgage loan or at the best possible price. In the past, both of these credit bureaus have repeatedly carried false information in my reports that have injured my ability to get financing at the best possible rate. Equifax has acted hostilely to me for years, with little or no consequence and can not be trusted. Furthermore, they are not entitled to record, keep or provide my social security number and birthdate to third parties, yet they do so relentlessly against my written directions to cease and desist from doing so, exposing me to unwanted risks to my privacy, identity theft, cyber crime from all over the world, and enormous, unwarranted, credit difficulties.
Product: Credit card

I applied for a Chase Sapphire Preferred card and was informed of my rejection by paper letter about a week later ( XX/XX/2024 ). The letter stated that my application was declined because I already had a Chase Sapphire card active, which is categorically false. I checked my credit report through my XXXX XXXX card to see if there were any strange accounts listed but found none. I called Chase customer service on XX/XX/XXXX and was reiterated that I had a card already registered to my social security number ( SSN ) which I confirmed with them several times, and repeatedly informed them that I did not have a card with them. They confirmed that the name they had in record linked to the card and MY SSN was not mine, yet they refused to take any action despite the error being on their end. They suggested that I call XXXX to verify the information they had on file for me, which I did on XX/XX/XXXX. Upon calling XXXX, they confirmed with me that they do not see any Chase cards to my name or XXXX, and that my name was in fact linked to my SSN. I called Chase again the same day ( XX/XX/XXXX ) and was yet again told that they have a card already linked with my XXXX and that my name is not found anywhere in the account. They suggested that someone XXXX have accidentally used my XXXX when applying for their card and their system must not have caught the mismatch between the name they provided and the XXXX they provided. They suggested that I call the lending department, then the fraud protection department, who were both closed then. I called today ( XX/XX/XXXX ) and was transferred several times before a kind employee attempted to resolve the issue by contacting several departments internally. After about an hour, the employee told me that no resolution was made and that she had written detailed notes which she will submit to her supervisor for review. She suggested that I wait 48 to 72 hours before calling back if I don't get a call back from them. I am at a loss because the discrepancy is very clearly on their end since no credit reporting agency that I've used reports my name or SSN incorrectly or even displays a Chase account. They refuse to take accountability for this mistake and it seems they are ill equipped to handle this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Adverse Action Notice, action taken affection credit request or existing credit. False I didn't ask for XXXX. Consumer laws broken 1691 ( d ) ( 1 ) Serious Delinquency The proportion of Balance to High Credit on Bank Revolving or all Revolving Accounts Number of Accounts with Delinquency Time since Delinquency is too recent or unknown Too many inquiries last 12 months All this information is on my records
Product: Mortgage

I have called and emailed Mortgage Solutions Financial multiple times with no success in resolving this issue. I obtained a cashiers check on XX/XX/23 from my bank to mail the same date to the companys payment address. This is the second time I have mailed a payment and my payment is lost despite having mailed certified mail and tracking showing that it was delivered and signed for on XX/XX/23. Everytime Ive called, Ive been told they are putting in an investigation and that someone will call me. Its been almost a month and nobody can seem to figure out where my check is. Ive sent photographic proof of the cashiers check along with the tracking number etc. Nobody is giving me answers and I am now late and subject to a late fee and receiving emails and calls saying that this will affect my credit score although all of the evidence and all of my phone calls should be noted in their phone logs and on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 complaint XXXX submitted to the CFPB requesting confirmation from Equifax that they will not be willing participants in the XXXX XXXX Retail Card Services mischief . 

On XX/XX/2021 Equifax responded to complaint XXXX please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. 

On XX/XX/2021 complaint XXXX submitted to the CFPB requesting : Equifax CFPB XXXX responded on XX/XX/2021 : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. The mailed results have not been received. 

On XX/XX/2021 Equifax responded to complaint XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an internal review was completed and results were mailed to you. 

On XX/XX/2021 complaint XXXX submitted to the CFPB requesting : Equifax disingenuously responded on XX/XX/2021 to CFPB XXXX " ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received. 

On XX/XX/2021 Equifax responded to complaint XXXX : Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. 

XX/XX/2021 + XX/XX/2021 Equifax represented internal review was completed that on XX/XX/2021 has been initiated. When the furnishing company provides their findings, we will send those results to you. 

On XX/XX/2021 as Equifax had clearly demonstrated on XX/XX/2021 + XX/XX/2021 no intent to communicate internal review results further responded to complaint XXXX : Closed with explanation. Closed with explanation was Equifaxs intent to conceal it malfeasance.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found this fraudulent information thats stopping me from getting a home and etc.
Product: Credit card

On XX/XX/year> I cancelled my XXXX service and received an e-mail confirmation verifying the service termination. I subsequently learned that XXXX in complete contradiction to my account termination continued to charge my credit card. Once I learned about the fraudulent charges I reached out to to seek reimbursement. The customer service representative at XXXX stated they will only do a partial credit and that I must contact my bank to seek further reimbursement. The XXXX representative provided a bank case number which they claimed is the only reference number that a bank will honor when credits are being requested. Two days later once my bank 's ( Chase ) dispute department opened I called to seek credit for all the fraudulent charges. At that time, after speaking with a manager, eventually I was told that regardless of whether my account was terminated and all these charges were illegitimate they will only provide a partial credit. Additionally, they conveyed that the " reference number '' provided had no purpose and despite claims from the XXXX customer service representative it had no use. Chase has provided me with letters regarding the disputed charges, but claims that during their investigation some of them were found to be valid and that my evidence of account termination is immaterial because of their investigative findings.
Product: Checking or savings account

On XX/XX/2021 I received a debit card from td bank that I did not apply for. I called the bank and canceled the account and did not activate the debit card
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Reporting Agency, I am writing to dispute the negative items on my credit report. Upon reviewing my credit report, I have noticed that there are several inaccurate and outdated items that require your immediate attention. 

Firstly, regarding the inquiries made by XXXX XXXX XXXX and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I would like to inform you that inquiries have reached the statute of limitations and should be removed from my credit report. 

Secondly, with respect to the account number XXXX associated with XXXX XXXX, I demand that the late payment information be removed from this account. The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

Thirdly, for the account number XXXX associated with XXXX XXXX XXXX, I request that the incorrect late payment information be removed from this account as well. You can not report this account as updated when nothing has been changed! 

Fourthly, for the account number XXXX associated with XXXX BANK XXXX XXXX XXXX request that you verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Lastly, for the account numbers XXXX and XXXX associated with XXXX XXXXXXXX XXXX XXXX and XXXX XXXX respectively, I request that the same incorrect late payments be removed from these accounts as well. You can not report these accounts as updated when nothing has been changed! 

I would like to request that you investigate and correct these inaccuracies as soon as possible. Your cooperation in this matter is greatly appreciated. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These fraudulent inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEXETER FINANCE LLCXXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing to formally address an issue that has persisted with my business banking services at Truist. Over the past year, I have noticed an increasing frequency of high account fees, including overdraft and XXXX transaction charges. Despite my discussions with multiple customer service representatives, I have been told that nothing can be done to adjust these fees. 

As a loyal client who not only maintains a business account but also a business credit card, generating substantial business, I am disappointed with the lack of consideration given to my situation. It is hard to believe that Truist would overlook the value of maintaining a positive relationship with its clients. 

Therefore, I request a thorough review of my account charges and seek appropriate compensation for the fees I believe were unjustly applied. I appreciate your attention to this matter and look forward to your prompt response.
Product: Debt collection

VICTIM OF IDENTITY THEFT COMPANY CLAIMED THEY CALLED ME TO RESOLVE THIS CLAIM WHICH IS FALSE. I HAVE INCLUDED ALL INFORMATION INCLUDING AIDENTITY THEFT REPORT. THIS IS NOT MY ACCOUNT
Product: Checking or savings account

I was scammed out of XXXX for a car that was sold to me not even fit to drive it didn't pass inspection it had bent frames and I only had it for one month I was not behind on my payments nor was I in any contract violation. I sent chime serval XXXX reviews and police reports stating that I along with many others have been scammed that claim to have done an investigation but I have to see the evidence that the carlot has provided. I just want my money back. 
I attached some of the evidence i sent to Chime and trust me i have over 100 more i can attach
Product: Credit reporting or other personal consumer reports

I sent a certified debt validation letter. I asked for a copy of my credit report. Improper use of my information. I asked for a 1099 C so I can clear my credit report For the charge off