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

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, D.C. XXXX Subject : 2nd Request for Assistance Regarding Credit Bureau Non-Compliance with Consumer Laws To CFPB Representative, I am writing to convey my serious concerns and frustration regarding the credit bureaus continued failure to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). This ongoing issue has caused considerable emotional and financial strain, and I am hopeful that your office can assist in resolving this matter promptly. 
Understanding the Impact As a consumer, I expect that the credit bureaus will follow the law and act in good faith to ensure the accuracy of my credit report. Unfortunately, my recent experience has demonstrated the exact opposite. After filing multiple disputes regarding unauthorized and inaccurate accounts on my credit report, I have been met with repeated non-responses and a lack of follow-through. This has resulted in a growing sense of XXXX  and frustration, as my creditworthiness continues to be impacted by errors that I can not control. 

It is extremely disheartening to feel like the credit bureaus, entities entrusted with the responsibility of managing consumer credit, are ignoring or disregarding my rights. This situation has left me feeling powerless and as though my concerns are not being treated with the urgency and seriousness they deserve. 

Request for Intervention and Assistance I understand that the CFPBs role is to ensure that credit bureaus adhere to consumer protection laws, and it is with this in mind that I humbly request your intervention. Specifically, I am asking the CFPB to take action to ensure that credit bureaus are held accountable for their failure to : 1. Properly investigate my disputes within the legally required 30-day period under 15 U.S.C. 1681i of the FCRA.

2. Maintain the accuracy and integrity of the information reported, as required by 15 U.S.C. 1681e ( b ).

3. Take swift action to block fraudulent or unauthorized information on my credit report under 15 U.S.C. 1681c-2. 

The emotional toll of dealing with inaccurate credit reporting is often underestimated, but it is a real and ongoing burden that affects both my daily life and long-term financial stability. I sincerely hope that the CFPB can help ensure that credit bureaus fulfill their duties to consumers, providing a timely and fair resolution to this issue. 

Conclusion I am grateful for your time and attention to this matter, and I trust that the CFPB will take the necessary steps to ensure that credit bureaus act in compliance with consumer protection laws. I look forward to your response and appreciate any guidance or support you can offer as I navigate this challenging situation. 

Thank you for your understanding and for the work you do to protect consumers like me. 

Sincerely, XXXX XXXX
Product: Credit card

I have an XXXX XXXX XXXX which is financed through Synchrony Bank. 

The account appears and disappears. 
Sometimes if I log in the account is there and while doing payments or looking at other accounts the XXXX account disappears from the list. 

Sometimes I log in and the XXXX account is not even on the list of accounts. 

When I try to make a payment using the XXXX website the XXXX Account won't allow a payment. The only way I can make a payment is through XXXX and if the account isn't listed when I go into XXXX the chat representative can't take a payment because they can't see any XXXX account. 

This has resulted in late payments, late fees and additional interest on the account for non-payment. I managed to make a {$XXXX} payment today because the XXXX account happened to show up when I went into chat and I could do a selection of XXXX to chat about payment. The account had a missed payment and XXXX appears to want more than double the minimum payment amount. 

Then a little bit later I logged back in to check the XXXX account. The account was gone again and nobody in chat could tell me anything about any payment I had made today, not even the {$XXXX}. I made a pdf file of the list of accounts showing in the XXXX and the XXXX Account is missing.
Product: Credit reporting or other personal consumer reports

This is my third and final demand for the immediate deletion of the following accounts : XXXX  ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), and XXXX  XXXX ( Account Number : XXXX ). The continued presence of these accounts on my credit report is unacceptable and frankly, insulting. I have already furnished substantial evidence proving these accounts are fraudulent, belong to someone else, or are otherwise inaccurate and should not be linked to me. Your repeated failure to correct this egregious error, despite two prior attempts, demonstrates a blatant disregard for my rights under the Fair Credit Reporting Act. The FCRA unequivocally protects consumers ' right to dispute inaccurate information, and your inaction constitutes a clear and actionable violation. I am beyond frustrated with the lack of progress and the dismissive treatment I have received. I demand immediate action and written confirmation of these account closures within ten business days. Furthermore, I dispute the incorrect addresses listed on my credit report. Please remove all incorrect addresses and ensure that only the following accurate addresses are retained : XXXX XXXX XXXX XXXX Unit XXXX, XXXX XXXX, DE XXXX ( current address ) and XXXX Coastal Hwy, Unit XXXX, XXXX XXXX, DE XXXX. My current address is XXXX XXXX XXXX XXXX Unit XXXX, XXXX XXXX, DE XXXX, and I explicitly request that my credit report be updated to accurately reflect this address. Any further delay or failure to comply with both the account deletions and the address corrections will compel me to escalate this matter to other appropriate regulatory agencies and pursue all available legal remedies, including litigation, to protect my rights, seek damages for the harm caused, and ensure this negligence is addressed. Let me be absolutely clear : I will not tolerate this incompetence any longer.
Product: Debt collection

This is a follow up to a complain I initiated earlier regarding a debt that was posted on my account by debt collector ( Rent recovery solution ). When I initiated this complain and provided evidences to show that I was not owing rent at the time I left the apartment, they got back and said that they will remove the debt from my credit profile and do a proper investigation. Upon checking my credit profile, I observed the debt has been reposted on my account on same day they said it will be removed. Their actions are quite fraudulent because they never reverted with any evidence to show the month that I was owed rent. I have forwarded all my monthly payment to them for verification. It is not difficult to ask the apartment management the month the missed payment was for. For them to repost the debt on my account on XX/XX/2023 ( same day they said It will be removed from my history ) without producing any evidence to show I am owing is very fraudulent. This is outright Fraud!!! 

I have submitted all my monthly payment receipt to this debt collector for verification and I am requesting for information on the month I missed payment,
Product: Payday loan, title loan, or personal loan

I have a loan with XXXX XXXX company, I lost my job so I fell behind on payments I spoke a young lady regarding the issue I was told that they are going to report to all the credit bureaus my late payments which is understandable, then the phone calls started I was getting calls up to 10 times per day early morning late night and all day, they called my neighbor over 4 times even when he told them to stop they called another friend and she told them the same thing but they kept calling, finally some one named XXXX called my sister on XX/XX/2018 around XXXXXXXX XXXX  and asked about my where about, my sister asked for the reason, XXXX proceeded to tell my sister whom is not on the loan nor is she a co signer, the amount of the loan how many month 's I was behind the interest rate of the loan and my payment amount in clear violation of the Collection Practice act, further more XXXX informed my sister if I did not send {$50.00} in the next 48 hours I will be prosecuted, which made my sister panic and she was pleading with XXXX not go through with it cause I had just started a new job I will be making payments again real soon, again a violation of my rights, I'm asking to make them stop calling me and my family members and I would like to know what is my legal recourse and what can I do about this blatant violation of my rights, do I need an attorney?? please advice
Product: Mortgage

The mortgage company did not include a tax on my HUD statement at closing and now they want me to make the deficit up in my escrow account and increasing my monthly payment going forward. I never received any clarification on how or why this happened. Even after calling multiple times and speaking to multiple people in their company. When I call them they always deflect what happened and blames someone else. This deficit was brought to my attention three months after I closed on my house. I have spent countless hours on the phone with them. To date I still do not have a clear understanding on how or why this has happened.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made 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 in those account to be removed.

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

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

XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant ru
le 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

XXXX has reported to my credit reports a bill owed to them, but was never billed to me. They subsequently sold the loan to XXXX. Apparently, this loan was sold to them by XXXX, a XXXX Product. 
I was never notified of any of this. The original contract I signed was with XXXX a loan servicing company for XXXX. This is who I thought I was dealing with. XXXX name is on the loan product contract. 
I was never notified of a transfer of billing or any correspondence. I did not know anything about this product being on my account until XX/XX/XXXX when I wanted to refinance and saw a collection from XXXX. I followed up with them and found out the changed their name to XXXX. I repeatedly asked for documentation. I finally received something from XXXX in XX/XX/XXXX. 
I agreed on a settlement with XXXX and they agreed to report to the credit agency that the bill had been paid in full with a XXXX balance owed. The represented that they would not put any derogatory statements on the account. Please see attachement. On my credit report they added that " account paid in full for less than full balance '' This is not what the letter written to me states or what the representative at XXXX agreed to. 
Since XXXX and XXXX are the same company with a different name or they sold without ever trying to correspond with me about payment. The XXXX information should be removed from my credit report all together and XXXX should honor what they told me about no derogatory statements. 

Additional derogatory information is stated below that should be removed from Equifax CREDIT REPORTING BUREAU Remove XXXX from my credit report permanently Correct COMMENT by XXXX exceeds 7 Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
XXXX : XXXX Account was settled and paid as agreed. Remove negative comment " Paid for less than full balance. '' XXXX : XXXX-Same Account as XXXX Both Exceeds 7 Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
Dept. Of ED/XXXX : Consumer does not dispute that I was never late-ACN : XXXX ... And XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
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: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nations highest interest rates, yet failed to notify account holders about their superior rated offered by the 360 Performance savings account. This deliberate obscurity and lack of transparency violated consumers trusts and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the truth in Savings Act. I see redress for the misleading practices and failure to fulfill their advertised promises.
Product: Checking or savings account

I deposited a settlement check to a chase bank in person to the atm. I was advised by the receipt that I have to wait 7 days until the funds are available. I waited the 7 days and chase will still not release the funds to me. I called the customer service line and was advised that they can't verify the check with their system. The representative said that he was trying to call the CEO of the XXXX XXXX XXXX I'm sorry but that's just ridiculous. They are being unfair and holding my money for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed my credit file Equifax in reference to XXXX ( XXXX ) on XX/XX/19 and is showing incomplete/missing account number.
Product: Money transfer, virtual currency, or money service

XXXX XXXX deposited XXXX checks ( {$3000.00} + {$3000.00} ) on XX/XX/XXXX and XX/XX/XXXX into my Hungtington checking account. These checks were returned and later they were considered faked. 

And then, {$2500.00} was transferred to unknown receivers through XXXX without my permit on XX/XX/XXXX. XXXX XXXX visited a branch and called the customer service for the scammed transactions, but Hungtington bank didn't take actions to investigate and stop the fraudulent transaction. Another {$3500.00} was transferred through XXXX XXXX transactions to XXXX strangers on XX/XX/XXXX. 

XXXX XXXX called the bank to appeal the transactions on XX/XX/XXXX. 
The bank denied the dispute ( Ref # XXXX ) on XXXX transactions ( {$3500.00} ) on XX/XX/XXXX by mail. 
XXXX XXXX requested the documents on which they made the decision and appealed the dispute again. The bank did not give me any response so far. 

When the faked checks were found, the Huntington bank didn't take actions to stop the suspicious transactions which led to the loss. XXXX XXXX appealed an explanation and documents why the dispute was denied, the bank didn't give me a response.
Product: Debt collection

In my review of my credit report on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX is reporting a collection debt account number XXXX to the credit reporting agency. 
I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA to report any collection debt to credit reporting agency in attempts to collect a debt without notifying the consumer.
Product: Credit reporting or other personal consumer reports

I've reached out over 3 times regarding this with no responds. 
As per Guidance from the consumer Financial Protection Bureau ( CFPB ) the documents needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to trafficking debt final rule 1002.142 ( b ( 4-5 -1002.142 ( p ) 7 ) ,1 kindly request that you block this information from my Credit report within four business days, pursuant to section 605C of the fair credit reporting act Jam a victim of human trafficking of debt bondage and would like for all listed accounts to be Blocked and Deleted from EXPERIAN. XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} XXXX XXXX XXXX : XXXX {$680.00} XXXX XXXX : XXXX {$44.00} XXXX  XXXX XXXX : XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX NAVY FCU XXXX  XXXX XXXX  Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from NAVY FCU for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.
Product: Credit card or prepaid card

My debit card was denied at a local store onXX/XX/XXXX. Upon calling the Bluebird customer service number ( XXXX ) and entering in my account # the system hung up with the message my account was permanently suspended. I then received an email from Bluebird telling me my account was permanently suspended and to write : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX I have written them and not received any response. 

I have {$400.00} in this account and really need access to it. I also have payroll direct deposit to this account. 

I have not been able to talk to anyone in Customer Service to explain to me why this action was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$0.00}. 
If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXXXXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting

Transunion is still reporting a loan I have from the XXXX with 16 missed payments. I never had a single missed payment.