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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

Comenity bank or Bread XXXX as they are now called, has not reported to any credit bureau since XXXX of 2022 and I have paid off my card. My credit utilization is not accurate which is impacting my credit score. They should be required to report to credit bureaus on a regular basis. It has almost been 5 months since they last reported. They have no signs of changing things on their end and I have researched that majority of their customers are complaining of this issue. I called and asked for them to assist and they said they had a system update that had caused them to not report or something and said they have no intentions on resolving it any time soon. This is horrible business for those of us trying to fix our credit
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian failed to resolve the issues that were reported in XXXX separate complaints on XX/XX/2024. Failure to respond promptly could lead to monetary damages of {$1000.00} per complaint due to the consumer being denied a place of dwelling because of damaging information on the consumer 's credit profile. 

CFPB has the authority to reward consumer requests for all disputed items due to the breach of fiduciary duties of Experian. 
XXXX XXXX
Product: Credit card

I have been a best buy cardholder member since XXXX my credit limit was {$4000.00} card ending in XXXX or XXXX ( given that they had XXXX credit card numbers on file ), On XX/XX/XXXX I called the best by card member services because I was viewing XXXX different credit cards accounts on my best buy app for over XXXX  months and it was creating confusion in regard to purchases, payments and rewards, since I never requested a second credit card account. I explained to the representative that I wanted to know the reason there was a duplicate card on my account, the representative could not give me a reason as of why I had XXXX different credit card accounts but stated that he could just close one of the credit card he then proceeded to make me payoff one of the credit cards to close the duplicate one, I submitted my payment ad then he stated that I should not see that second card anymore and I could continue using the existing card as usual. In XXXX I went to a best buy store to make a purchase and when I asked them to charge the credit card on file associated with my account, they said that I had no Creditcard from best buy in their system and was told to call Customer Service to inquire about this. I called customer service, and a representative told me that they mistakenly closed the wrong card and profile, and they were going to escalate this issue to resolve this matter and be able to restore my card and they would send me an email regarding this matter, XXXX months have gone by and I have still have no answer or resolution of how to resolve my issue, the representative told me that my only option was to re-apply for the credit card, which is unfair given that they closed my credit card my XXXX years of history was erased from my credit and my credit score was impacted since I didn't have this credit card balance or history any longer. The only thing I requested is to reinstate my {$4000.00} credit limit and return my card to work given that this was a mistake completely on the representative that helped me and did not know how to handle this issue ad just decided to close my credit products without my consent. I have been transferred around for months, and I would like this issue to be escalated and appropriate action be taken for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the Credit Bureau to do a credit search and I did a complete search as well. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a {$16.00} dollar item on my XXXX Credit card just because I had not used the card in a while. Comenity Bank handles the XXXX card. They did not send me an invoice, ever. But did charge {$35.00} late fees and report to the credit bureaus. I contacted XXXX. They understood the error. Later XXXX even sent me a letter of apology which I still have. Comenity, the thief in this event, has never cleared the bad credit mark they reported and may not have refunded all the false charges they hit me with. I've been busy enough it's hard to keep wasting time that should not need to be wasted. Comenity appears to be ruining company 's reputations by charging that company 's customers huge late fees which they earn by NOT sending invoices. I have bought thousands of XXXX products in the last ten years alone. But never again.
Product: Credit reporting

I am requesting an Emergency Lock down on my credit, In the month of XX/XX/XXXX I received XXXX inquiries all within a 10 day period. I gave no consent for these and now I 'm suffering because I wish to obtain credit for legitimate purposes and these inquiries are holding me back. I have submitted a screen shot from Credit Check Total Page showing these Inquires. If you could please get rid of them asap, as me and my girlfriend, ( soon to be fianc ) and planning on buying a house THIS YEAR and need a tight report.
Product: Credit reporting or other personal consumer reports

Account was forced closed by Bank of America.Bank of America charged off my account which was a violation of 15 USC 1601.Then information was provided to a third party XXXX XXXX which is violation of 15 USC 1602p.Bank of America denied access to my securities 12 Usc 1431.Bank of America violated The Equal Credit Opportunity Act also Consumer Credit Protection Act. By reporting information to Third party XXXXXXXX XXXX  caused a violation of 15 USC 1611 false misleading denial of credit at other financial institutions. Which in part caused denial in consumer transaction of unlimited credit.
Product: Debt collection

Today, XX/XX/2020 - XXXX XXXX from Capital Link Management, on behalf of XXXX XXXX, called my step-mother and my mother first before calling me and threatened me. I'm a realtor. My phone number is everywhere. There's no reason whatsoever that she called my family in the first place. But the to add salt to the wound, she told them that there is a Civil Suit, that XXXX is threatening to file to petition for a lien against me. I have no problem talking to someone about paying my debt, but that's a personal matter that I would rather not have anyone else know about. This caused so much grief and strain. 
Also, I've received zero correspondence about the matter. Nothing written or otherwise. XXXX  asked for my email to email me, but I haven't received anything there either. I pulled my credit report and there is no evidence that XXXX has my debt to begin with. How do I know this isn't a scam? 
I asked XXXX what it is that XXXX  wants and she said they'd be willing to drop 80 % of the debt. When I asked her for a dollar amount, she told me they'd settle for {$6700.00} of the {$8400.00}. She had it screwed up.
Product: Mortgage

I am refinancing my mortgage and the current servicer ( Citi Mortgage ) is charging me {$75.00} for the payoff statement. I think this is wrong and above the limit allowed. Can you please look into this malpractice? 
Thanks
Product: Debt collection

AMCOL Systems Inc XXXX XXXX XXXX XXXX, SC XXXX Phone : XXXX XXXX XXXX Acct. No. XXXX & XXXX Amcol Systems reports to have two collection accounts dated X/2017 in the amounts of {$2300.00} ( Acct. # XXXX ) & {$9500.00} ( Acct. # XXXX ). I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore I request validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX My Gold and Arrival card are not reporting to the national credit reporting agencies and there are several years of missing history which has a negative impact the merit system rating. 

The bigger picture is : low credit scores and credit invisibility are due to decades of ongoing, uncorrected, discriminatory practices. The systematic barriers set up long ago have never been corrected and continue to create barriers for certain Americans. The country is trying to correct is discriminatory foundation however there continue to be a strong lack of equality and opportunity in the system and with lenders. 

All credit bureaus ( XXXX, XXXX, XXXX, XXXX, and the hundreds of alternatives such as XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) are all operating independently so the credit file from each bureau is different however all private, for-profit companies are still subject to laws and regulations. In addition, it is the credit card companies responsibility to report accurate information to the credit reporting agencies. 

The credit reporting system, and the Fair Credit Reporting Act are serious issues that have impacted XXXX XXXX Americans. Consumer Financial Protection Bureau and the Federal Trade Commission Bureau are looking into applying serious penalties when credit reporting agencies and private, for-profit companies continuously violate the law, misuse consumers information, purposefully contain material errors in consumer files, and/or refuse to correct errors - all of which are impacting XXXX XXXX Americans. The FTC and CFPB to name a few are starting to issue civil penalties to credit reporting agencies and other companies which actively do not behave in the consumers best interest. 

In addition, when it comes to issues with overcharging clients, many corporations like to use forced arbitration clauses which hurt XXXX XXXX people in this country and that number is rising placing millions of people at a disadvantage. CFPB, FTC are working on providing consumers with a safer, more regulated credit reporting system however it starts with the companies transferring consumer credit ratings to e.g. XXXX ( XXXX : XXXX  ), XXXX XXXX ( XXXXXXXX XXXX XXXX  ), and XXXX ( XXXX : XXXX ) and other CRAs to help with forward progress.
Product: Credit card or prepaid card

I always paid on time, and this giving me XXXX  I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Product: Credit reporting or other personal consumer reports

It was sometime in XXXX they sent me a balance update on a closed account stating they updated the account information according to my credit report i only owed on this account {$12000.00} and they updated after the dispute to the amount of {$13000.00} so the information was inaccurate and needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Im really frustrated with how my credit scores are turning out because of mistakes in my credit report. These errors are dragging my scores down and making it super hard for me to get the credit I need. Its been a constant source of stress and is seriously messing with my finances. Ive tried to get this sorted out before, but nothings changed.
Product: Mortgage

My mortgage company, XXXX XXXX, Has not provided a mortgage statement since they assumed control of my mortgage in XXXX, 2017. I have called numerous times over the course of the last month and a half to get the issue resolved. I originally elected to receive the statement electronically through their website. Upon attempting to resolve the issue of my statements not receiving any statements, I inquired about receiving them through the mail. I was told they would be sending them. I however, have not received anything. 

Another issue I have is they have the entire history reported, but only one payment recorded to my credit. I have made every payment on time.
Product: Debt collection

I was repeatedly lied to about settling with this debt collector by its collection dept at XXXX XXXX XXXX XXXX XXXX debt dept. I called on XXXX XXXX and spoke with a representative and came to an agreement to settle this debt before my court date on the XXXX. I was told if I paid them 1350.00 on the XXXX of XXXX XXXX, that XXXX XXXX XXXX would drop any actions moving forward with judgement. I repeatedly asked them if they would be able to make sure this was taken care of on their end and I would be safe from any judgements from this case. I was told 4x over on that phone call that I was released from any judgement and also that they messaged their paralegal who contacted the lawyer named XXXX XXXX of XXXX Indiana and the message was passed onto them and I was promised that they would drop any further actions and that they would make notes to leave extra messages for this lawyer to stop any actions against me for this upcoming judgement. I also asked for a letter stating this agreement be mailed to me expediated. I got neither. Instead, XXXX XXXX I got a letter stating the account that XXXX XXXX XXXX was suing me for was paid and is on contingent on the clearance of payment I already made to them. Nothing about the agreement to stop pursuing the judgement against me for said account. I got another letter on the XXXX of this XXXX stating I have to sign a new document of a fake settlement offer that did n't take place, tyring to trick me into accepting that they filed judgement against me even though we already agreed that if I paid them 1350.00 on XXXX XXXX XXXX that they would not file against me in court and the judgement would be stopped on that very XXXX XXXX XXXX and I would not need to go to court on the XXXX since this was considered paid there would n't be a reason to show up at court. 
This new agreement they drew up states that upon signing, they would file documentation with the courts to close the file. I also have screen shots of my XXXX account showing I paid them on the XXXX of XXXX XXXX. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Please note, if I am refunded my XXXX XXXX card name was not updated to my maiden name ( recently XXXX ) Name on card that was submitted to XXXXXXXX XXXX XXXXXXXX was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are reporting a tax liens that fail to have my Social Security Number or DOB on the recorded lien as required by reporting regulations. XXXX 2017 reporting regulations require complete SS number or DOB. They also failed to report lien was being disputed with-in required time frame, or report dispute at all.
Product: Debt collection

Today, XX/XX/XXXX, I was notified by my credit monitoring company that I had a new negative account on my credit report. The information listed Afni, Inc. and shows a balance of {$1200.00}. I contacted Afni. First, I spoke with XXXX who proceeded to tell me that I had several unpaid XXXX XXXX XXXX mobile and internet accounts and provided me with the amounts. I informed her that I had never had XXXX XXXX XXXX services so there must be a mistake. It was not until AFTER disclosing information did she confirm my identity and that I was in fact not the owner of those accounts. She then transferred me. 

I was then transferred to XXXX who told me that I have a XXXX mobile account for purchased equipment and leased equipment. She then asked if I would like to settle the account. When I told her no, I felt as though she became rude. I was not provided with an account number or any information other than it was from XX/XX/2018. I have had XXXX for years. So she explained I would need to complete a fraud packet. 
She also told me that her company had just received the account on XX/XX/XXXX. 

Outside of the HORRIBLE customer service and lack of information this company provides, I should have been notified about this so called debt. Afni received the account on XX/XX/XXXX yet made NO attempts to contact me regarding this account prior to placing it on my credit report. It is standard practice to contact the debtor and provide them with 30 days to respond or dispute the debt. Afni did  NOT. They clearly received the account, held it for 30 days with NO communication at all then placed it on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company does not offer card consolidation at all. You don't find that out until after you connect your financial information to their platform. 

There is no live customer service as advertised.
Product: Mortgage

Complaint against Franklin American Mortgage. 

A payment of {$800.00} was sent to them through Bill pay for {$800.00} on XX/XX/XXXX for XX/XX/XXXX payment. The payment cleared the bank on XX/XX/XXXX. 

Another payment of {$800.00} was sent to them through Bill pay for {$800.00} on XX/XX/XXXX for the XX/XX/XXXX payment. The payment cleared the same day. 

XXXX XXXX XXXX applied the payments to the wrong account. 

When I received a letter stating my mortgage was past due, I called. I faxed proof of the payments on XX/XX/XXXX. This proof - which was straight out of the checking account with reference numbers was not enough. Bill pay had to get involved. They called me at work and informed me of a past due balance - without every reading the notes on my account that two payments were being researched. Every time I called to check the status, they were unable to locate information or had not found the payments. The payments and past due amounts were finally applied to my account after I faxed the proof of payment 6 different times to their  company. I called today to make sure they were updating the credit bureau, they reported the mortgage delinquent two months in a row. I had already requested this in writing, but nothing was being done. She said it would take a minimum of 30 days. I explained to her that it literally takes a minute for her to fax a letter to the credit bureau stating it was reported in error.

This company is unprofessional. They are worried about receiving their money but are not concerned with helping you when they have misapplied the payments. They also are not interested in correcting their mistake with the credit bureau.

I DO NOT RECOMMEND EVERY HAVING A MORTGAGE WITH THIS COMPANY
Product: Checking or savings account

Someone open fraudulent accounts under me with bank of America and i have supporting documents saying that it was not me
Product: Credit reporting or other personal consumer reports

I am writing to challenge once again the inaccurate and unverified negative items listed on my credit report
Product: Debt collection

I received a letter on XX/XX/2019 from XXXX XXXX XXXX for the balance of {$660.00}. The letter explicitly said if i wasn't able to make a full payment, they could set up a payment plan. I opted for the payment plan, but when i was transferred to the collections department, I was told I couldn't use a payment plan, even after the written letter stated I could. XXXX XXXX threatened to sell the account to collections if I didnt remit the full balance, even though I told them I could not make a full payment and could only do the payment plan. XXXX XXXX XXXX sold the account to Lanier Collections violating the Fair Credit Dept Reporting Act, which gives me notice to dispute and decide on how to pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and XX/XX/XXXX on several occassions to inform them that my personal information is incorrect. They have not corrected it and they are reporting that I have a different name. I have informed them of my legal name and provided undisputable proof. 
They have not corrected the information that they are reporting on me. Nor have they provided any proof that I use another name. I am filing this complaint in hopes that the incorrect information can and will be immediately removed from my credit report.