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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 




Subject : Complaint Against XXXX for Inaccurate Reporting and Lack of Response Dear CFPB, I am writing to formally lodge a complaint against XXXX regarding serious issues I have encountered with their credit reporting practices. I believe these issues warrant your attention and potential legal action against XXXX for violations of the Fair Credit Reporting Act ( FCRA ). 

I submitted a credit dispute to XXXX concerning inaccuracies in my credit report, specifically related to my rental account, which I consistently pay on time. Unfortunately, I never received a response to my dispute. XXXX not only failed to report accurate information but also closed my account inaccurately, which has negatively impacted my credit standing. 

Your agency has previously taken action against major credit bureaus for similar violations, including failure to respond to consumer disputes within the required XXXX period. XXXX 's handling of my dispute appears to reflect a pattern of neglect in ensuring accurate reporting, utilizing faulty intake procedures, and inadequately communicating with the original furnisher of the information. 

Additionally, I have experienced distressing outcomes due to the inaccurate information on my consumer report, which has hindered my ability to obtain credit and secure housing. Despite providing documentation confirming my current rental status, XXXX continues to display misleading information, including the erroneous closure of my account. 

I urge the CFPB Office of XXXX to take action against XXXX for these practices, as they not only violate consumer rights but also create significant challenges for individuals trying to manage their financial standing responsibly. 

Thank you for your attention to this matter. I look forward to hearing from you regarding the next steps. 

Sincerely, CFPB IT HAS BEEN PAST 30 DAYS
Product: Credit reporting or other personal consumer reports

The credit card I have is XXXX XXXX. I have never missed a payment with them but yet they are reporting a late payment on my credit. I had a XXXX balance on the months that they said I missed which no payment was due. They said they would fix it but never did. I disputed it and still nothing
Product: Credit card or prepaid card

The online account system keeps deleting my home phone number. It concerns me that someone is removing information from my account without my authorization. I have emails from Synchrony Bank each time I have put my home number in confirming the change. I have no emails that it is removed but when I log in a few days later my home number is gone. My concern is there may be an issue their account security system or a rouge internal synchrony employee is going in to my account and making these changes. Either way it is a great concern. The emails from Synchrony Bank are XX/XX/2021 and XX/XX/2021 ; XX/XX/2021.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX account was marked as resolved when it wasnt the investigation that was done was not enough to prove the information on my credit report was correct, they said they resolved by data furnisher but in reality they didnt. I have proof their information is false and they are just siding with the company.they even refer to me as a different name with the letters they have sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accountst should not be on my credit report. Equifax has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with XXXX XXXX. 

There is an account with XXXX XXXX in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be removed.
Product: Mortgage

Hi, I had applied for mortgage refinance with AmeriSave Mortgage Corporation NMLS ID # XXXX on XX/XX/XXXX, based on discussion and loan estimates from XXXX XXXX XXXX Loan Originator NMLS ID # XXXX. 

I was asked to pay an Application Fee of {$500.00}, which we paid on XX/XX/XXXX, for them to proceed to lock our mortgage rates. I was told this application fee will be non-refundable and it was mainly to make sure I'm committed to proceed with Amerisave, which we were and it is evident in the timely manner in which we submitted all the documents they needed to start processing of our loan application. Even though sometimes, Amerisave choose not to answer some of our questions until we send multiple reminders.

Loan officer, XXXX, had clearly communicated that the initial underwriting process will take a week or two, and they will be able to lock the rate which will be the same or better than what we had signed-up for in the loan application.

Never did we suspect that {$500.00} application fee might have been a " hook '' to get us stuck with Amerisave, which seems familiar to their trade practices in the past when they were fined for " Bait and Switch '' policy, please refer to this link on CFPB website : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-amerisave-to-pay-19-3-million-for-bait-and-switch-mortgage-scheme/ Now, more than a month later, we see no progress in our loan processing or commitment to lock our rates. And when I reached out to the loan offiicer, XXXX, he was dismissive on any commitments to process the initial underwriting in 1 or 2 weeks and locking the rates for the loan.

When we asked them to stop processing our loan, which I don't have any evidence to what extent they did, and requested refund of the {$500.00} application fee ; he flatly refused to repay the {$500.00} fee and he wasn't bothered even when I said I will take this matter with CFPB or other consumer agencies. 

It is very evident that they tactfully duped us into believing that the rates they promised at the time of applying the loan will be locked, even though they made us sign paperwork that said the rates were floating rates, and the application fee of {$500.00} was meant to keep us committed the loan even though there has been no reciprocating commitment on their side!

I'm assuming we may not be the only ones in this situation, and regardless we'd like to take this matter up with CFPB to help us get back the {$500.00} application fee.

Please let me know if you need any further information.
Product: Debt collection

This company continues to report on my credit report after I  sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Product: Credit reporting or other personal consumer reports

XXXX I'm tired of being racially discriminated against.
Product: Debt collection

At XXXX on Friday XX/XX/XXXX I called Ability Recovery for a medical collection that is being claimed on my credit. I asked him to please remove that off my credit report and I stated that medical bills are not suppose to be showing on credit reports anymore. He said that it hasn't been passed yet for for that to be able to happen and that he didn't care he wasn't removing the bill from my credit until it was paid. I called back at XXXX, because I had looked it up and it said it started on XX/XX/scrub> 2025 and would he remove it. He said again he would not remove til I paid it and then hung up on me
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ) emphasizes the importance of consumer reporting agencies acting responsibly with fairness, impartiality, and a respect for consumer privacy. XXXX, Equifax, and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is protected. This right is reinforced by 15 USC 6801, which mandates that financial institutions respect the privacy of their customers and protect the confidentiality of their nonpublic personal information. As per 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report with the written consent of the consumer. I have not given Equifax, XXXX, XXXX, or any financial institution my written consent to share my information. Therefore, any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. According to 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. I was not informed of this right by the information furnishers to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may include adverse information in a consumer report that is older than seven years, except for records of convictions of crimes. The adverse account being reported by Equifax and XXXX is without my permission and is against the law. Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. Also, 15 USC 1681e requires consumer reporting agencies to maintain procedures to prevent violations of section 1681c and to ensure that reports are furnished only for permissible purposes. XXXX, Equifax, and XXXX are failing to maintain these procedures. Lastly, under 12 CFR 1016.7, a consumer has the right to opt out at any time. I am exercising my right to opt out of the reporting services of XXXX, Equifax, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time XXXX XXXX heath services and has sold my information and by fraudulently obtaining and misrepresenting the use of my information. And selling my information to XXXX  XXXX  XXXX  both obtained and used gain monetary value, securitzation, etc. to report without my consent. Where is the WRITTEN CONSENT given or PERMISSIBLE PURPOSE to furnish any report on my consumer report : After 30 days Experian and with PROOF of XXXX XXXX XXXX has requested for the information to be removed. None of these companies has not either provided any tangible evidence or certified mailing proof of my WRITTEN CONSENT TO furnish anything on my report. Pursuant to 15 USC 1681 B and federal rights as a consumer. Data breaches pursuant to 15 USC 1692 ( a ) ( e ) are also violations inflicted on my consumer life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND EQUIFAX AND XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT XXXX ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT XXXX DELTED IT BACK AND XX/XX/2022 N NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX AND CANT MOVE ON WITH MY LIFE
Product: Mortgage

My father passed away on XXXX and mother passed away on XX/XX/XXXX. They had an reverse mortgage with bank of america, In XX/XX/XXXX the bank try to foreclose on my father stating that they paid the taxes and insurance on the house we prove that my father paid the taxes and insurance so the bank was denied the foreclosure, after my father passed away on XX/XX/XXXX bank of america file for an hearing in state of south carolina XXXX of XXXX common pleas court to foreclose on the house the lawyer for bank of america stated the same about the bank paying the taxes and insurance but the judge stated that it was prove that my father paid them, the the lawyer for bank of america state that the reverse mortgage was in default because my father Pass away that was not a true statement, what happen the due and payable i was supposed to receive and the chance to sell the house by the heirs, the lawyer had my name and address my father added me in XX/XX/XXXX so if needed they could call and talk to me, when i found the summon ine the mail I call and talk to the lawyer for bank of america he could not tell me what exactly was due, the judge stated he does not understand reverse mortgages so he ruled for the bank to sell the house, all the heirs rights was takng from us, I witness on the application when my parents got the loan and the banker told me that the heirs will have a chance to buy it first that is why I sign to witness and that is why i call bank of america lawyer but the heirs right did not matter and if I was to lie in court like the lawyer did i would have been found in contempt of court, I am the PR for the estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a compliant with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the XXXX you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 50 days so they should be deleted promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. I am writing to demand that credit freezes and unfreezes be made free for individuals on which these credit companies store information. These companies already collect and sell our data, in an industry where their services are required. I ( nor any other consumer ) should be required to pay these companies to protect my information when, through their own errors, they lose the information they have been collecting without my consent anyway.
Product: Debt collection

I got into a car accident and the vehicle was totalled and the insurance company deemed a total loss and notified me that there is a lien still on the title and that constar financial services a debt collector who I have no knowledge off is saying that there is a XXXX dollar lien on the vehicle and there is in fact no lien on the vehicle. I don't know who these people are and will be disputing this debt for false and misleading representation. I have no idea who this company is never heard of them a day in my life but claiming they have a lien on my vehicle that I have sole interest in violation of multiple sections of USC 15 1692 and the fair credit practices act of 1977. I do not recognize this debt and would like them to cease and desist all forms of trying to collect this debt and make that be known over all platforms and credit reporting agencies they are in direct violation and can be sued for monetary damages. For fraudulently trying to collect a debt that was never there's or did I ever agree to or sign a contract with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed these claims in which they were removed from my credit report. 
Complaint XXXX removed XX/XX/2022 XXXX removed XX/XX/2022 XXXX removed XX/XX/2022 These accounts are back on my credit file and the credit reporting companies are refusing to delete them back off. They are misusing my credit and ruining my credit reputation. In accordance with the fair credit reporting act have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX and XXXX 2022 our bank checking, savings and money market accounts had money withdrawn without our knowledge or consent. We have met with the XXXX XXXX and spoke to the fraud department of the banks who holds our accounts. We have had very little information about our case, and no money has been reimbursed to us. 
On the days mentioned above {$25000.00} was taken from our accounts. The XXXX XXXX we are dealing with can not give use a day of resolution, because in a conversation I had with an associate of the XXXX " they have so many fraud cases '' I can not give you a timeline when you can receive your money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing an account paid in full since XX/XX/2020. It is3 months now that account has been paid in full. I reported the dispute with additional documentation from the actual company in a formal letter from the company showing account was paid in full. The dispute reviewer still said the account shows not paid and no change was made. 3 consecutive months of a dispute filed with the documentation including my bank statement showing the payment and still the dispute was not resolved.
Product: Consumer Loan

The company that I have an auto loan through calls me when I 'm a day late. They call me at least 5 times a day, not leaving any messages. We have asked them to stop twice, and they do not. They claim they use a " dialer '' and they have no control over that.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX 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 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 in those accounts 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Several months ago i noticed that XXXX XXXX falsely entered account # XXXX on all three credit report. 

I have never contracted with or borrowed any money from this company. I requested that the provide me with any copy of a purchase agreement contract and a contract bearing my signature since i have never done any business with them. 

After months of waiting they failed to provide me with any of the requested information, instead they threatened to sue me. 

I further asked them to remove the item from all of my credit reports and they have ignored all of my request and continue to cause harm and financial damage to me. 

I am hereby requesting the help of the CFPB in resolving this matter as my disputes to all CRAs seems to be ignored. 

I am also submitting a copy of this complaint to the Federal Trade commission and the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX