23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Convergent collections posted false and damaging information on my credit report, alleging debt to a company I have never done business with. Also convergent never contacted me by phone or mail regarding this " debt '' to even give me a chance to dispute it before they posted it to my credit report. Also there is no contact information on my credit report for me to contact convergent " collections ''
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on EOS CCA ( Original Creditor : 10 XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

To Whom It May Concern : 1 ) Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX ) Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX ) I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$7600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX ) This collection account I have no knowledge of and is showing on my credit report still. The collection company stated they SOLD THE DEBT TO XXXX XXXX XXXX. and no longer responsible, yet its still reporting on my credit. PLEASE KINDLY REMOVE THIS COLLECTION FROM MY CREDIT REPORT AS SOON AS POSSIBLE. 

Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
https : XXXX
Product: Checking or savings account

Filed an Affidavit of Unauthorized Paper Debt with USBank on XXXX in the amount of {$2400.00} for a stolen and forged check. USBank allowed a forged check funds to be taken out of my account and given to the forger. Additionally, US Bank refused my claim on XX/XX/year> citing a 30 day policy for stolen check discovery. I was not aware my check was stolen and forged until I received a notice from the XXXX XXXX XXXX XXXX Collector for unpaid property taxes. I promptly notified USBank shortly thereafter. I also filed a police report with the City of XXXX, CA Police department, Report for Incident XXXX XX/XX/year>, Detective XXXX. He advised that USBank was NOT willing to assist him in this matter and that the bank would not release any information regarding this matter. This was totally UNACCEPTABLE to me. US Bank is negligent in their fudiciary responsibility to guard my funds that they are the custodian for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. I disputed the following information with XXXX, XXXX, and Transunion PREVIOUS ADDRESS : There are 2 address reporting that are not associated with me. 

. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 
6. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

10. Per 15 UC code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 
XXXX  Please update to never late 11. 15 U.S. Code 1692g - Validation of debts XXXX Please remove this inaccurate information. 

12. Per 15 US code 1681s-2 Responsibilities of the furnishers of information to consumer reporting agencies. 
XXXX Update to never late 13. Inaccurate reporting-reporting a past due amount on a closed/charged off account. 
XXXX XXXX XXXX line of credit. 
Please remove it from my credit report. 


Instead of XXXX  investigating, they respond with a letter accusing me of using a Credit repair agency. I'm an informed, and educated consumer. The letter which is attached to this complaint is a clear violation of the FCRA. These items need to be investigated immediately, instructions have been provided to XXXX  on what needs to be done.
Product: Credit card or prepaid card

I had a 0 % interest credit card for XXXX XXXX XXXX XXXX through Synchrony bank. I missed 1 payment in XXXX of XXXX. I was sent an email, called and at Synchrony 's suggestion and direction enrolled in automatic payment to pay the amount by the end of the promotion period. 
I would receive periodic ( quarterly statements ). I received a statement in XX/XX/XXXX and one again in XXXX of XXXX. The XX/XX/XXXX statement had triple the balance. It took several days to access my account ( the server was having difficulties and try back later ) and find out they had started to charge interest and fees as the promotion period was over. At no time between XX/XX/XXXX and XX/XX/XXXX did I receive any notice or additional statements to indicate the promotional period was over and resolve any outstanding balance. 

I immediately paid the original balance and began calling Synchrony to resolve. Synchrony 's only customer service are representatives who sad they could not do anything past 30 days. I received a multitude of misinformation from customer service over the next several weeks and calls that included lying about management structure, call backs and even telling me that forgiveness after 30 days was an SEC violation. 

I was then contacted by a customer representative who did not initially respond to my follow-up, played phone tag for several weeks and then she did not respond as she was out with a sick child. I finally was able to contact her in a last ditch attempt to resolve. 
I told her that the auto-payment was set up as a result of direction from call in XX/XX/XXXX. She said she had to review the call. She called back and said no matter what the term of the promotion period is over and they won't do anything. I specifically requested details of the call and she refused to provide. I asked her to review the previous months calls to customer service and the plethora of misinformation. She refused saying she needed exact dates. Note she did not need an exact date to review the XX/XX/XXXX call ; I suspect she did not and that is another lie. 

I now have XXXX of dollars in interest and fees that are still accruing. When provided with appropriate information I have been diligent about paying what I owe and contacting Synchrony. Synchrony 's entire system is designed to provide no or false information to defraud consumers of interest and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding XXXX. I noticed ( CRAs ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and TransUnion, LLC ( the " Big Three '' ). are all reporting different information. For example, XXXX and TransUnion are reporting both my XXXX credit cards yet XXXX is only reporting history on one of my XXXX cards. XXXX is also reporting to all three bureaus bouncing back and forth between 30 to 90 days within a 12-month period with inaccuracies. All three credit bureaus are not reporting the same " charge off '' information for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I would like to understand why the information is not identical in each credit report? The 'credit limits ' and 'credit used " amounts reporting are also extremely inaccurate which impacts my debt-to-income ratio resulting in a poor/fair score. I inquired with Trial Attorney, Consumer advocate, and Board of Directors of XXXX - XXXX XXXX about my credit report. XXXX mentioned the " Fair Credit Reporting Act Fair Credit Reporting Act ( FCRA ) to name a few and suggested going to the CFPB to obtain a fair resolution as the first step with XXXX, TransUnion, and XXXX which are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong info : FCRA violations ; XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Since Previous employment XXXX XXXX XXXX  Dispute this Since Previous employment XXXX XXXX XXXX Dispute this
Product: Credit card

I had a problem with someone cloned my numbers off my credit card and tried to use them in a XXXX near XXXX. I called customer service and they put me on hold the agent was laughing in the background. After calling 4 times, I was told by this fraud unit my cards will be here by 5 days. Look I have no cards nothing at all ... Just agents that were rude and disrespectful to me on the phone!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. Mistaken Identity Chapter XXXX  Bankruptcy Case Number : XXXX Please remove this account from my credit report immediately!

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX, IL XXXX please delete it.
Product: Student loan

I took this private loan out in 2013 to cover costs that my financial aid and student loans wouldnt cover. I submitted a deferment/forbearance request mid last year since i have been having these loans deferred since 2013 and after speaking with the agency they told me that they didnt receive it. So, they offered me a lump sum amount to pay off which i could not afford and a monthly payment which i also could not afford. So now the loans were sent to another agency and is in collection and has lowered my credit score due to derogatory marks on my credit. I need some help on what to do. Thank you.
Product: Credit reporting

I wrote all XXXX credit bureaus : Experian, XXXX and XXXX asking them to verify through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. I demand to see verifiable proof ( an original consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof you must remove the accounts listed in my letter. However, their only response is that the accounts were verfied by the creditors but they still have not sent me anything showing me proof nor with my original signature That 's because they do n't have anything to send, so these accounts must be deleted a.s.a.p. I am a litigious consumer and know my rights. I am seeking legal actions.
Product: Debt collection

Professional Credit Management , Inc. had agreed to submit paid collections for deletion for accounts XXXX and XXXX. XXXX  has already deleted collections from credit report. XXXX  and XXXX  have not. These two credit bureaus have been reported to CFPB as well. They keep stating that the accounts are verified and accurate yet I received the letter in the mail from Professional Credit Management , Inc. stating that any accounts under {$50.00} have been submitted for deletion.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provide, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

I paid my credit card statement of {$300.00} in XXXX of 2024, reducing my balance significantly. However, the payment was reversed a month later, and now my balance has increased to {$670.00} and the account was closed with no explanation. Theyve been charging me interest every month since then so my credit utilization shows a staggering 227 % which is false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, MO XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX took over the servicing of my Mortgage and almost immediately made a mistake paying taxes and collecting payments. My loan includes escrows  which means the bank is responsible for paying my taxes when due. When XXXX received my school tax bill they failed to pay the school taxes. In XX/XX/XXXX they received the town tax bill. Since they failed to pay the school taxes in XX/XX/XXXX. the school taxes were billed again and were added to the town tax bill. XXXX read this as my town taxes had increased from appox. {$2000.00} to {$10000.00}. XXXX then raised my escrow payment almost {$1000.00} per month to cover for their mistake. I immediately called them and told them of their mistake, but they did nothing to correct their mistake or the payment. I sent them a letter explaining their error ( attached ). It was ignored. I made several other subsequent calls and they ignored me, acting as if I was a liar and did not know what I was talking about. I would explain their error and they would respond that I owed the additional funds. It was as if they turned the volume off on the phone and did not hear a word I said. This included managers I spoke with. I was treated with absolutely no respect or concern. They acted as if it was impossible they could have made a mistake. Almost 2 years went by and XXXX ignored every call and every letter. It was not until after dozens of attempts to correct their mistake I got a manager who actually looked at the escrow account and saw there was thousands of dollars in excess funds in the escrow account. However, He still never admitted the mistake. I was told I needed another {$500.00} to bring account current. At this time XXXX was already holding {$43000.00} and still reporting I was almost 2 years behind on my mortgage even though they had all the payments. Also, I did not need another {$500.00}. XXXX had been holding over {$1000.00} for years which they could never explain why. They refunded this money to me about a year ago. So in fact they had all the payments plus approx. another {$700.00} and XXXX was still reporting my account almost 2 years late. XXXX needs to immediately correct my credit report to reflect no lates. I believe they should also have to pay restitution for all the problems this has caused me in obtaining new credit. XXXX has violated multiple laws for collecting and reporting a debt while servicing my account without taking any responsibility at all for their negligence.
Product: Checking or savings account

There is no online option to transfer or withdraw or close my personal money market account with Citizens. I called and the only options they would offer me is to transfer the money to another Citizens account. I want my money withdrawn and account closed, not move it to another Citizens account. The XXXX link the provide is dormant. The rep on the phone was just outright rude and even disconnected me when I wouldn't provide him with another Citizens account number and just overall didn't listen to much of what I had to say. I have subsequently been locked out of my online account with no resolution to access it again.
Product: Checking or savings account

Money was taken from account. I tried to reach customer service representative and couldnt get any assistance. The amount was XXXX. I emailed all my information to company.
Product: Debt collection

I had set up a payment plan for about XXXX with Harris and Harris online in XX/XX/XXXX as per their statement/letter dated XX/XX/XXXXXXXX  and on XX/XX/XXXXXXXX  they withdrew the entire amount from my checking account in the amount of {$580.00} causing my account to go negative. When I called on XX/XX/XXXX, they said a manager would call me back and today is the XXXX and I have heard nothing. I advised them that I want a confirmation of the payment plan online and they said they did not have that and they could not refund it. This is completely unacceptable that when I set up a payment plan and also called on that day to confirm it was set up and they withdraw the entire amount. I want them to refund this immediately and adhere to the original payment plan.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX was sent by way of certified mail of inaccuracies reporting on credit file that do not lawful written consent per 15 USC 68202. Also proof of opt-out/privacy so XXXX, XXXX, TransUnion, XXXX XXXX XXXX not share, sell my information since XX/XX/XXXX. 

On XX/XX/XXXX XXXX was sent another Certified letter requesting full re-investigation of disputed accounts and inquires that are allowing companies/third parties to report improperly and unlawfully. Per FCRA 623 ( a ) ( 2 ) ( B ) ( 7 ) ( G ) ( i ). 

I have spoke with XXXX XXXX agents on XX/XX/XXXX, needless to say they are adamant about not complying with correcting, updating or removing inaccurate consumer personal information and non consumer accounts. One agent was dismissive and arguementive. 

Not only has XXXX violated my consumer rights per the FCRA, FDCPA, FTC, XXXX has reported to file on behalf of their affiliates and add unauthorized information, verified debt with true original documentation validity of any/all debt belonging to XXXX XXXX XXXX 

This has caused great hardship, stress and suffering. Companies and XXXX are in violation of : FERPA of 1974, FCRA section 604 ( a ) ( 3 ), FCRA section 619 permissible, FTC 623 ( a ) ( 5 ) ,805, 806,809,15 U.S. Code 1681s2, 15 USC 6801-Opt out, 15 USC 6802 may not, 15USC 6802 financial institution may not directly or through affiliate, disclose to a nonaffiliate /3rd party any non public information. 15 USC 6803/6804, 16 CFR 433.32, 16 CFR 313.1, 15 USC 6801- ILLEGAL TO REPORT TRANSACTION HISTORY/UTIALZATION WITHOUT CONSUMER WRITTEN CONSENT., 15 USC 1692/ ( g ), 15 USC 1692 ( e ) ( k ) -civil liability damage 16 USC 1681 {$1000.00} per violation.15 USC 16911-authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 



XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit using the XXXX XXXXXXXX XXXX, and I noticed 3 inquiries from a company called Credo. After researching, I found it was XXXX XXXX. They did a hard inquiry on my credit on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. 

This is causing damaging effects on my credit. I did not authorize Credo or XXXX XXXX to pull my credit. 

The company can not provide me with information, so there is an error on the part of the company or the credit bureau.