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

XXXX XXXX I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020, XX/XX/2020 Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 
The account number is XXXX ( {$2300.00} XXXX
Product: Credit reporting or other personal consumer reports

I have ACCOUNTS passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate the accounts listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

In accordance with the Fair Reporting Act XXXX  accounts : XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX. And all listed inquiries 15 USC 1681 Section 602A- I have the right to privacy.

15 USC 1681 Section 604A ( section2 ) - Consumer reporting agencies can not report any accounts with out my written instruction from a consumer.
Product: Credit card

Multiple charges I didnt make were made on my card. About 32 different charges in the course of 2 days were made on my card without my consent or knowledge. I contacted the credit card company and closed the card. I would like to investigate this situation further and to press charges against anyone who used my card on each transaction.
Product: Credit card or prepaid card

I filed a complaint with the office of the CFPB in XX/XX/2021 and the case number is XXXX against Synchrony Bank XXXX Your office gave them the opportunity to contact me and try to work things out which is what I have been trying to do for the last few years with no avail. As soon as the CFPB reached out to Synchrony Bank, they reached out to me and had just enough information to send back to you to say " they have contacted me and they are working with me to get this matter resolved. Once you closed the case they have never called me back nor responded to any of my messages or phone calls. The person who I spoke to is XXXX XXXX and I have left numerous messages and and sent emails and she has chosen to ignore me. I am reaching out to your office again for help as I have a notice for a summons to court in person on XX/XX/XXXX. When I asked her about if she can place it on hold or cancel until a resolution is made, she said that she thought she had gotten the file back from the attorney/collection office but will confirm and let me know. I am still waiting to hear back. This is not the way for the head dept of Synchrony Bank to treat the consumer. They really do not care about people. This just makes it look worse that they are not trying to help or research to see what happened. I want you to please post this for the public to see so they can know that Synchrony Bank is a horrible company to do business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a few dispute letters to the major bureaus requesting verification and they have not sent me any mail back responding to my request
Product: Consumer Loan

Last year, XXXX, XXXX - XXXX, XXXX, I relocated to XXXX for a XXXX hiatus. In other words, I enrolled in workshops at XXXX and lived temporarily with a family that I used to be an XXXX for years ago while an XXXX at XXXX. My address was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

In XXXX of XXXX, I returned to XXXX to work for the XXXX XXXX XXXX XXXX XXXX. So, as I was shopping for a new car, my banker who ran a credit check for a car loan alerted me that, I was unintentionally remiss in payment for a bill from Walmart under {$50.00} at the time I relocated. And, consequently, I did not receive any bills or correspondence from my Walmart Account ( # .... ) ; I was unintentionally remiss in payment for a bill from Walmart under {$50.00} at the time I relocated. 

So, when I called Synchrony Bank which was the collector for the Walmart debt, I explained myself and offered the new balance of {$170.00} which included late fees from Walmart. 

Synchrony checked my story, and I was told that I did not have to pay the {$170.00} and that my Walmart Credit card would be reinstated. They told me that the delinquency mark would be removed from my Credit Report within ten days. 

However, on XXXX XXXX, XXXX I received a letter from Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX, that my account " was sold to XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Since, then I had received multiple calls form XXXX and spoke with several agents there, telling and re-telling my experience with Synchrony countless times, but to no avail. I have a cellphone billing record of these calls to and from both Synchrony and XXXX during the ensuing months. 

Finally, after much misleading information and confusion, I submitted the payment of {$160.00} to XXXX XXXX XXXX , XXXX, ( new Acct # ... ) on XXXX XXXX, XXXX. 

I have written to all XXXX credit reporting agencies ( XXXX is the credit reporting agency that referred me to the XXXX which is where I located CFPB ). 

Nonetheless, as of to date ( XXXX XXXX, XXXX ) there is still a bad mark on my credit score for the past due ( " 8 months '' ) history with the originally, Walmart account. 

Respectfully submitted.
Product: Credit card

I would like additional informantion in regards to who I escalate this Discrimination claim to against Citi Simplicity. I have a letter and a recorded statement from a Supervisor that Citi Simplicity closed my account due to the fraudulent activity. The supervisor supplied me with information that I have had this card for 7 years, and that I have never had one late payment. This card had a {$13000.00} credit line dropped to {$0.00} after I filed a fraud claim. I was directed to call the ADA department of Justice for the XXXX. My credit score is based on Debt to income ratio and I am being discriminated against for a fraud case and for filing a complaint? Who do I go to from here? Their response is untrue as per the recorded statement from someone who actually cared about the victims
Product: Credit card or prepaid card

I used to be an Authorized User on my ex-wife 's Lowes Card, ( Synchrony Financial ) years ago. I was removed as an Authorized User around XXXX of 2017. 

I recently applied for a new mortgage and was advise that this account was still being reported to the credit bureaus. It is reporting that I am still an Authorized User, with a balance and monthly obligation. This was impacting my qualification for a new mortgage, so I called Synchrony Financial to have this corrected. 

Synchrony Financial advised me they were unable to assist me because they no longer show me as an Authorized User in their system. Even though I explained they are reporting to the Credit Bureaus that I am, they were not cooperative in resolving this matter. They offered to provide a letter stating I was not an Authorized User, but would only mail the letter to my ex-wife, and not me. I was told, " We are not able to mail a letter to any other address other than the address on file. '' I stated that I would like to resolves this matter without filing a compliant with the CFPB, and they stated, " I am sorry we are unable to help you. ''
Product: Debt collection

I didn't have medical insurance when I visited the ER and had no job
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted a request to Chase Auto to investigate the accuracy of information being reported to XXXX, XXXX and XXXX XXXX Credit Reporting agencies. Chase replied with the attached letter dated XX/XX/2023, informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. Chase has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with Federal Regulations. This was a Joint acconnt and the XXXX Reports are inconsistent with XXXX and XXXX Please review the attached documentation and investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. 

This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Mortgage

Green Tree Servicing LLC took over my mortgage in XXXX, XXXX, from XXXX. Since then, I was charged monthly " payment '' fees of {$12.00} per payment, and there were several payments made automatically out of my banking account without my direct authorization for those payments, resulting in overdraft fees, in some cases. There were also a few payments made where I questioned the proper application of payment credit towards the principal amount vs. interest. Upon inquiring about these discrepancies to their customer service, they said they would " get back '' to me when they have completed their review, but they never responded back. 
For the record, I have been under extreme financial stress throughout this period of time with Green Tree and I was late on payments at times. Green Tree collection representatives would repeatedly call me at all hours of the day and evening, with high pressure and often " contentious '' dialogue, to compel me to make a payment, forcing me at times to make a payment without having funds immediately available in my bank account, but they did not care, even after telling them that funds would not be available, and they still processed the payments, resulting in further overdraft fees. 
From XXXX XXXX until about XXXX XXXX, I went thru this horrible experience with Green Tree. Ditech Mortgage has since taken over my mortgage account, so far, seems to be more pleasant to deal with but I am still upset with what I went thru with Green Tree. I recently heard about a settlement the CFPB had with Green Tree and I would like to be included in that collective group of customers harmed by this company. Thank you. XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my credit report that where requested on XX/XX/2023 and XX/XX/2023. I did not authorize any of this activity on my account through this company.
Product: Checking or savings account

Opened a XXXX XXXX XXXX with a {$300.00} bonus on XX/XX/22. Later that day I went to log in and it said account locked due to security. I called them and was informed the account has been closed due to a red flag. Ive called multiple times to inquire about the red flag to see if its an issue I need to fix and every time Im told no one can tell me what it is that. 
I should be entitled to know what the red flag is so I can address it and correct it. 
Have made numerous calls and denies every time.
Product: Checking or savings account

Upon using my card with wrong ccv Truist froze my account not just my card and would not help me. I had to pay my truck by XXXX to avoid repo with my cash in account and they would not give me a clear answer on when the freeze would lift. On the interent it seems this is a common issue with truist holding you money!
Product: Debt collection

Inaccurate reporting of my credit profile according to : 15 USC 1692C, I'm requesting that the collection agency cease and desist all communications about any debt.
Product: Credit reporting or other personal consumer reports

There are inquires on my report that I do not recognize. I did not benefit from these. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Debt collection

Description of Complaint : I have a dispute with Allied Collection Services who failed to verify and dispute 2 accounts according to my stipulations stated in a conditional acceptance contractual agreement that was mailed to Allied collections which did not properly respond, I sent out a Notice of Default which Allied Collections never complied I have properly documented the proof of mailing dates with stamped receipts of the contract then approximately after 10 days the Notice of Default to respond which they did not respond properly according to the stipulations of the contract I also have the original copies of the contract with the account in question. I have the right to demand what is stated in the agreement due to the fact there is a legitimate contract and the respondent refused all my attempts to remedy this through this contract. I have attached 2 conditional acceptance contracts, the Notice of Defaults and the postal proof of mailing receipts that I sent to allied collections that failed to respond according to what was stipulated in the contract ( see 1st paragraph of page 01 of contract ) approximately 10 days after not the response I sent a Notice of Default with Intent which they did not respond since my attempts to remedy this situation was unsuccessful I feel the need to report. 



DEFENDANT INFORMATION Name : XXXX XXXX XXXX Title : Supervisor Company/Firm Name : Allied Collection Services of CA Address : XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX XXXX California Zip XXXX XXXX Telephone : XXXX XXXX XXXX XXXX E-mail Address : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX ( XXXX XXXX XXXX XXXX ) to resolve repeated negative reporting on my credit report by offering to pay the debt or settle. The company would not discuss this debt with me and referred me to a collections agency that supposedly owns this debt now at phone number XXXX. On XX/XX/XXXX, I left a message at this collections agency, which I have identified as the XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX. They did not return my call, so I tried calling on XX/XX/XXXX again. I still could not contact a representative. I disputed the fact that on my credit report, the only phone number I am given to resolve the debt and stop negative reporting by XXXX is the number to XXXX, who will not discuss the debt with me or give me a way to resolve. I disputed this issue of incorrect contact information for the owner of the debt through XXXX  on XX/XX/XXXX and through Equifax on XX/XX/XXXX. I am displeased that the credit agencies only verified that the information for the original debt owner if on the report, and did not investigate why XXXX is marking my report as negative, despite the fact that this entity will not discuss the debt with me and I can not get in touch with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to resolve the debt. I also disputed on XX/XX/XXXX with XXXX  that this debt is the result of faulty merchandise. My car caught on fire and the dealer, XXXX XXXX, would not replace any parts without a hefty fee, so I had to voluntarily surrender this vehicle after 29 months of perfect payments. Even with the means to pay off this debt, I have noone who will accept the payment and XXXX continues to place monthly derogatory information on my report. DELINQUENCY DUE TO FAULTY MERCHANDISE AND I HAVE BEEN UNABLE TO GET THE MATTER RESOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps violating my rights according to the Fair Credit Reporting Act You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

They have received my letter two times and are ignoring my disputes and not doing any investigation whatsoever, my rights are clearly being violated I demand my disputes to be processed All disputes have id, proof of adress and even my social security its pretty clear its me sending the letters, they are trying to avoid helping me and violating my rights, I will demand compensations if this persists.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent accounts were listed on my consumer credit report.