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

I am writing to formally express my concerns regarding Experians handling of disputes and unlawfully failing to properly investigate consumer disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite contacting Experian numerous times and reporting discrepancies on my credit report, Experian failed to investigate my claims adequately. Experian did not take sufficient steps to process, investigate, and notify consumers like myself about consumer disputes, resulting in the inclusion of incorrect information on my credit report. Inaccurate and false information on my consumer reports have threaten my access to credit, employment, and housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I've disputed 3 accounts that shouldn't be on my credit report multiple times with XXXX  and the collection agencies listed below.

I've sent letters to both XXXX  and the collection agencies, expressing my concerns of the inaccurate negative events that has been listed on my credit report.

I'm trying to by a house for my family, i'm only XXXX  yrs old, and these inaccuracies are hindering me from building a foundation for my family. XXXX  has removed these unjustified accounts due to the collection agencies not be able to verify the accounts, so how is it that XXXX  say they are accurate?

I specifically asked XXXX  and the collection agencies both, to provide me with any and all documents that were used to verify these inaccurate accounts they've listed on my credit report. The collection agencies hasn't responded, I haven't even received any kind of communications from the collection agencies, only a negative on my report, and neither has XXXX.

XXXX  hasn't provided me with a response to when and how did they verify these accounts. I feel as if XXXX, isn't a neutral party to disputes for consumers, they seem to take the word of collection agencies without actually investigating disputes.

I would like for XXXX  to show proof of how they came to the conclusion that the negative events they've listed on my report is accurate, but if they can not, I am requesting the negative events listed below to be removed immediately! Because a name and a balance isn't proof that a individual owes a debt.

I think XXXX  makes bad faith decisions and are not properly investigating disputes. The certified letter that I sent XXXX  on XX/XX/XXXX that they received on XX/XX/XXXX clearly states, that I am requesting proof of the negative event and proof of how they verified the negative event as accurate, which I haven't received, even though the disputes are completed, yet remain on my report.

Please have XXXX  remove these 3 negative events, they are really hurting my life regardless of how hard I work.

Im trying my best to refrain from legal action against XXXX, but it seems inevitable, because I all honesty, inquiries and denial letters randomly starting showing while they were being hacked in XX/XX/XXXX, so this is more than likely their fault. Regardless, please have them to remove these negative events that they are wrongfully listing on my credit report. 


( NEGATIVE EVENTS - COLLECTIONS ) XXXX XXXX  Account number XXXX PORTFOLIO RECOV ASSOC Account number XXXX PORTFOLIO RECOV ASSOC Account number XXXX Please remove these negative events immediately! 

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

I have been told and have had my Discover Student Loan account accordingly notated, that Discover did not report student loans delinquent to credit at 30 days, instead, they reported delinquencies at 60 days. This policy was due to their issues not being able to properly track student loan delinquencies and updates to payments in a timely manner. That being said, Discover, out of the blue reported me two x 30 days and 1 x 60 just recently this year. I spoke to multiple representatives about this and was advised that Discover could arbitrarily change their reporting policies at their discretion, but in order to assist me, would escalate the matter. It has been about a month now, and Discover has not resolved any issues and now I have multiple late reportings on my credit where now Discover is the only account I have this type of derogatory reporting issue. I have record of having made my payment for the past 6 months or so and will attach it. This company has become very difficult to work with since COVID happened and I believe that this is an attempt for Discover to disproportionately preclude people from refinancing their loans out of Discover by giving them this unwarranted and illegal black mark on their credit.
Product: Mortgage

original complaint # XXXX was against Ocwen/XXXX.Closed. Never resolved or finalized. Denied they were XXXX XXXX. 
XXXX, 2017 XXXX XXXX foreclosed. Committed several infractions. Sent all communication and suit papers to XXXX XXXX, XXXX who was not my attorney, Day after sale padlocked house while I was out of town. Title and monies were not even transferred to XXXX XXXX. XXXX confiscate all my furniture, goods etc. I 've made several attempts to contact XXXX, XXXX XXXX and XXXX to no avail.They illegally seized my property, attached fees and insurance costs to the lien. 
They provided no Ejectment notice, No eviction notice, No statutory redemption offer and No court order to vacate. All my belongings valued over {$7000.00} are due and payable now. 
Please forward to : XXXX XXXX Deputy Assistant Director Office of Legislative Affairs Consumer Financial Protection Bureau who is aware of the dilemma and corresponding with Senator XXXX XXXX 's office. Than you and please advise
Product: Credit card or prepaid card

I took out a virtual credit card with TD Bank that provides XXXX XXXX to buy and exercise bike. There was a 18 month interest free period. I went online to setup a monthly payment and they would not let me set up a fixed payment each month so that it would be paid off in full at the end of the period. I would have to login and make a payment every month. I think this is sharp practice in that they are trying to make it more difficult to stick to the terms of their interest free promotion and that they must allow customers to pay off debts within the promotional period. If I missed a payment or did n't pay off the amount by the end of the period I would be subject to nearly 30 % interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX is reporting a charge off with acct ending in XXXX but still showing a balance that still owed of {$450.00} currently. Requesting a 1099-C that I was received or was never provided with for the charged off acct. Per XXXX the charge off was reported on XX/XX/year> and per Equifax it was reported on XX/XX/year>. More inaccuracies with reporting. Furthermore, with a charge off the company writes it off as a profit loss on their taxes and by law should be providing the consumer with a 1099-C but again I never received one. This is inaccurate reporting on my credit report and can be pursued further.
Product: Checking or savings account

Around the XXXX of XX/XX/XXXX I received in the mail, eleven separate envelopes from Marcus by Goldman Sachs USA. 
Each envelope contained an individual Online Savings Account Statement for an account that I never opened or authorized. 
Each Statement was for the month of XXXX XXXX and each had a separate account number. All the statements were addressed to me at my current address and all were identical except for having different account numbers. They all showed and opening and closing balance of {$0.00}. Since I never opened any account with this company, I called their customer service number to report this and get the accounts closed. 
They agent said that they would report this to their fraud specialists, and get the accounts closed. They could not provide any info on who may have opened these accounts. At that time, I locked my credit report and sighned up for XXXX  credit monitoring and identity theft service. Since that time I have not received any monitoring alerts. Around XX/XX/XXXX, I received eleven more separate envelopes from XXXX, each dated XX/XX/XXXX. Each letter carried the header Dont forget to fund your account and stated that if accounts were not funded within 60 days of opening they would be closed. I again called the XXXX number and the said that the accounts should have already been closed, but if not they would all close soon due to no deposits. A week or so later I received eleven new statements each for the month of XXXX and each still showing {$0.00} deposits and {$0.00} ending balance. 
My complaint is that Marcus has obviously not taken steps to close these fraudulent accounts, or help determine who opened them and for what purpose.
Product: Debt collection

We lived in apartment at XXXXXXXX XXXX XXXXXXXX. We moved out XX/XX/2023. During the move out process, tenant provided XXXXXXXX XXXX XXXXXXXX with our new address on the key return form. Upon move out, we were told we would be contacted with what is owed within a week or so. We never received this communication. According to Georgia code XXXX, the apartment complex must complete the inspection within three business days and the tenant is then allowed to come into the apartment within 5 business days and disagree with any damages pointed out by the apartment complex. We were not provided this opportunity which is well within our legal rights. This could have been circumvented if the paperwork outlining the damages was signed upon move out which I do not believe was done. 
We provided our new address which was mentioned above on the key return form. We never received a first-class letter detailing the charges for the damages to apartment which was to be sent to us after the landlord did a final walk through. We neither received the statement for the damages nor did we receive the final bill that is owed to XXXX XXXX XXXXXXXX. We also never received an email stating that we still owed a balance and the balance did not show up in our resident portal. The next notification we receive is on XX/XX/2023 from a debt collector who provided a damages list which is not itemized. So up until that point, we have yet to receive an itemized list of damages from XXXXXXXX XXXX XXXXXXXX which goes against our rights as tenants. After emailing XXXX, we received an itemized list of damages on XX/XX/2023 via email. This list included two items that were in contention as actual damages to the apartment : the vinyl flooring as you enter the kitchen and the blinds which were damaged when moving into the apartment. After talking with XXXX, he agreed that the blinds were part of original damages and there were multiple requests to get them replaced while living there. He also agreed that the vinyl going into the kitchen was considered wear and tear and not damages. This brought our bill from {$280.00} down to {$150.00}. We were happy to pay the {$150.00}. 

This check was dropped off XX/XX/2023. Tenant was told on XX/XX/2023 on a phone call with XXXX that it would take a couple of days since he was working with corporate on how to mark as paid since the bill was already sent to collections. On XX/XX/2023 we were emailed by XXXX informing us that the check will not satisfy the balance owed and we must settle with collections. Collections still has our bill as {$280.00} and needs to be updated to the {$150.00} before we will make a payment to clear the account. XXXX XXXX XXXXXXXX has informed us that this is not something that they are able to do. They are unable to recall the collections as well when asked. 

This is damaging both tenants credit reports as an unpaid debt when we were not properly told of the debt as outlined in Georgia law. The credit agency is willing to take {$150.00} and will mark debt as settled and not paid in full which will further harm credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING AND XXXX  ACCOUNTS -XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS - 15 U.S.C 1681 SECTION 603 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
Product: Checking or savings account

Fraudulent online transactions occurred to our checking account by use of our debit card number # XXXX : To : XXXX XXXX Date : XXXX/XXXX/2022 Amount : {$1900.00} Time : XXXX To : XXXX XXXX Date XXXX/XXXX/2022 Amount : {$3.00} Time : XXXX I filed a claim for fraudulent transactions XX/XX/2022. XXXX XXXX amount refunded by Citibank. XXXX XXXX transaction claim has been appealed twice and denied twice.
Product: Credit reporting 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.

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX ] Acc number XXXX XX/XX/year> [ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX Subject : Dispute of Unauthorized Disclosure of Personal Information under 15 USC 6802 To Whom It May Concern, I am writing to dispute the unauthorized disclosure of my personal information by your company, which I believe violates the Gramm-Leach-Bliley Act, specifically 15 USC 6802. 

Under 15 USC 6802, a financial institution must provide notice to consumers about its privacy policies and practices, and consumers must be given the right to opt out of the sharing of their nonpublic personal information with nonaffiliated third parties. I did not receive any such notice from your company, nor did I provide consent for my personal information to be shared.

It has come to my attention that my personal information was disclosed to [ Name of Third Party ] without my authorization. This unauthorized disclosure is a clear violation of my privacy rights under 15 USC 6802. 

I request that you immediately cease any further unauthorized disclosures of my personal information and provide a detailed explanation of how this breach occurred. Additionally, please confirm in writing that my personal information has been removed from any unauthorized databases and that you have implemented measures to prevent such occurrences in the future. 

Thank you for your prompt attention to this matter. If you require any further information from me, please contact me at the address or phone number listed above. 

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

This is a formal complaint against XXXX, Experian, and XXXX. I have disputed XXXX  XXXX and XXXX accounts several times but they simply refuse to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX. And I've sent every piece of proof that all these credit reporting agenciescould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 


Account Name : XXXX  XXXX Account No. XXXX Balance : {$170.00} - I have disputed this on XX/XX/XXXX, but I still see the date of last payment reporting inconsistently. XXXX  is reporting XX/XX/XXXX, while Experian and XXXX  are reporting XX/XX/XXXX. 


Account Name : XXXX Account No. XXXX Balance : {$0.00} - The high balance is still reporting inconsistently. I have disputed this account on XX/XX/XXXX for the reason that the date of last activity is reporting XX/XX/XXXX in XXXX, and XX/XX/XXXX in Experian.
Product: Student loan

I received a XXXX  Grant that was serviced through XXXX. Terms are -- 4 out of first 8 years of XXXX  service must be spent XXXX  in a XXXX XXXX XXXX, in a XXXX XXXX. 

Each year you must certify that you have fulfilled your yearly XXXX  duty, or certify that you did not complete it -- but intend to complete the 4 year term before your 8 years are up. If this is not done annually, the grant turns into an unsubsidized loan. 

In my fourth and FINAL year needed, XXXX converted my grant to a loan citing that I did not certify my service for the year. 

-- I completed the electronic paperwork through my account on XXXX that certified the XXXX  I XXXX  at, my contact information, and my field of XXXX. 
-- I printed the PDF ( and saved a copy to my PC ) that can ONLY be printed after filing that my yearly service was completed. 
-- I had my principal sign the paperwork, and mailed it to the PO BOX I have mailed ALL of my previous 3 certifications to without issue. 

XXXX said they did not receive the paper, so they converted my grant to a loan because I did complete the annual service agreement. 

When discussing this with employees # XXXX and # XXXX I urged them to look at my account history, where they would clearly be able to see that I filled out the e-paper work ( which wouldn't show proof that they received it, but at the very least proof of INTENT on my part to continue my service ). 

However, according to these employees, when the grant converted to a loan all of my XXXX  Grant account was erased. According to them, they can not look up any previous data or find any prior information about my grant  because that is the procedure when the grant converts to a loan. This can be confirmed on my part as well, because in my XXXX account there is no ability for me to look at my archive. 

If we could see my archive, we could see proof that I did indeed fill out the paper work, which at the very least should prove my intent to fulfill this agreement, even though they conveniently did not receive my paperwork in the last year of my service. 

My principal would prove that she signed the paperwork, and if we could look at the date stamp on my erased account we would see that it was filled out on time.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 my 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 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

My information showed up in a data breach and incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

navy federal credit union hired conserv to retrieve the overdrawn checking account balance of XXXX dollars I had with them. This company, conserv calls me multiple times a day and with different numbers. they even call late at nights as well. I am a XXXX  veteran with so many health issues that I can't deal with it and being on so many medications that I can barely function. navy federal also refuses to refund me the XXXX dollars and XXXX dollars I paid them on the XXXX of XXXX, 2024. Each time I call, they said they can't do anything for me. I contacted my local state congressman already. I also plan to get the state attorney general 's office involved
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The Experian Credit report always shows another person 's credit card accounts on my Credit report for over 2 years. I disputed it 3 times all failed, I also contacted XXXX XXXX XXXX directly since the two wrong credit cards are all from them. They confirmed those accounts do not belong to me and I only have one credit card under my name. 
However, the Experian credit report still failed my dispute without giving any reasons and asked me to contact XXXX XXXX XXXX. 
All other credit bureaus have the correct information, but only Experian shows the wrong information and it extremely hurts my credits and my life. 

I really need some help to correct their report. 

Thank you