23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute for an inaccurate account furnished with XXXX from the company Credit Central and it came back updated the same day with no changes made. XXXX opened the dispute on XX/XX/XXXX, and then it reported back the same day XX/XX/XXXX " Updated ''. I disputed the fact that the account has been closed since XXXX of XXXX, but the account was still reporting activity every month up until currently. From my understanding once an account is closed that should be it, but if the creditor is still furnishing information on the account on a monthly basis wouldn't that be considered re-aging or even fraud? For the most part the account balance is reporting incorrectly. The Fair Credit Reporting Act stated in 15 USC 1681e ( B ) 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. The only thing XXXX has done was falsely " update '' the account. Nothing changed.
Product: Checking or savings account

Complaint with Suntrust Bank now called Truist. 
Since XXXX of this year, I have had technical issues with downloading transactions from my business checking account into accounting software ( XXXX ). After spending hours with Suntrust technical support both through chat and phone they keep blaming XXXX for not updating their software. My latest contact with XXXX support finding shows Suntrust download file has a formatting error and is not compatible with XXXX. How do I know this?. Quickbooks support shared my computer screen and walked me through the step of editing the raw file. After the steps have completed the file was successfully downloaded into the XXXX software. 
I would like to request you to intervene and have Suntrust ( Truist ) support share my computer screen and see for themself the error. It is very difficult to get both parties online at the same time unless each has a phone number where an individual can answer immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account on my credit report for XXXX/XXXX  account number XXXX. They show the date this account was opened to be XX/XX/XXXX. They sold this debt to XXXX XXXX account number XXXX and they are reporting the date this account was opened as XX/XX/XXXX. Both XXXX XXXX/XXXX  and XXXX XXXX are reporting on my file as a duplicate account and reporting inaccurate dates the account was opened. I disputed this with Experian and they told me that the information is correct and that XXXX XXXX certified it had provided correct information. Experian will no longer let me dispute this information and I have the proof to show that XXXX XXXX/XXXX  and XXXX XXXX are both reporting on my personal credit file and both listing two different dates that the account was opened. This is in violation of my FCRA rights. I am informing the CFPB because Experian will Not fix the innacuracies in which they are required to do so by federal law.
Product: Debt collection

I received a notice from a debt collector saying I owed money to a XXXX service. There's no itemized list as to why I owe said money or any description of the service allegedly performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Review of recent credit reporting ( XXXX  Report # XXXX ) indicates Ditech has reported my account delinquent XX/XX/XXXX ( 60 days delinquent ), XX/XX/XXXX ( 60 days delinquent ), XX/XX/XXXX ( 120 days delinquent ), XX/XX/XXXX ( 120 days delinquent ), XX/XX/XXXX ( 150 days delinquent ), and XX/XX/XXXX ( 180 days delinquent ). However, the loan was on an Active/Performing Unemployment Forbearance Plan. The Unemployment Forbearance was submitted XX/XX/XXXX and approved XX/XX/XXXX effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00}. Ditech erroneously cancelled the Unemployment Forbearance Plan on XX/XX/XXXX due to the automated process of a Loan Modification Solicitation being mailed. A complaint was filed on XX/XX/XXXX and Ditech remediated the error and obtained approval from the Investor XXXX XXXX for an extension of the existing Unemployment Forbearance. Correspondence was received from Ditech ( XXXX XXXX ) dated XX/XX/XXXX indicating the Unemployment Forbearance Extension was approved effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00}. The loan was under Error Resolution review XX/XX/XXXX through XX/XX/XXXX. Unemployment Forbearance payments were Paid as Agreed, as stipulated XX/XX/XXXX through XX/XX/XXXX. 
The credit reporting account status should have been reported as Active Forbearance -Paying as Agreed XX/XX/XXXX through XX/XX/XXXX. According to 12 CFR Part 1024.35 ( b ) and ( i ) Regulation X of the Error Resolution Procedures the Mortgage Servicer ( Ditech ), after receipt of a notice of error, a servicer may not, for 60 days, furnish adverse information to any consumer reporting agency regarding any payment that is the subject of the notice of error. Therefore, the loan should not have been reported as delinquent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as the loan was under review for the complaint filed XX/XX/XXXX. The loan was also brought current XX/XX/XXXX in the amount of {$7.00}, XXXX and should have been reported as current for XX/XX/XXXX. In addition, the Investors ( XXXX XXXX ) Credit Bureaus Requirements ( C0-4.1 ) also require the Servicer ( Ditech ) to provide a complete and accurate full- file status report for all mortgage loans to each of the four major credit bureaus describing the exact status of each mortgage loan as of the last day of each month ( delinquent mortgage loans including 30, 60, 90+ day delinquencies, forbearances, modifications and liquidated mortgages ). ALL credit reporting bureau information ( XXXX, XXXX, and XXXX ) is required to be updated accordingly.
Product: Checking or savings account

Apple bank in XXXX XXXX keeps on closing their doors due to corona. They are an essential business and their customers need access to the bank especially in these trying times. The last thing we need is additional stress
Product: Credit card or prepaid card

I have had this XXXX account since XXXX, or XXXX, which is used for many dental offices. 

At the beginning of the year I had a XXXX balance, and then went to the dentist multiple times starting XX/XX/XXXX, through XXXX. 

As with all my bills, I paid XXXX {$100.00} every time I got my monthly email from XXXX saying that the minimum payment due was {$56.00}. 

I was shocked to find out this month that my balance has gone up, am being charged {$120.00} interest alone this month, etc. etc. 

Am still on hold with XXXX, as I type this, for more than an hour. The previous two people keep trying to tell me that this was some promotions, and that the dentist should have told me about it. 

This was an active account before I ever went to this dentist. with a XXXX balance, which I had paid off years ago. 

How can an existing credit card company say that a new charge was a promotion? How can they say that the dentist should be telling me this? An existing card!!!!!!!! 

They say that the current, and multiple charges on my card had their own multiple promotions, again for an existing credit card. 

Am pretty sure that my legit charges were somewhere around {$1600.00} by the time I was done with the dentist. And now, after six months of paying {$100.00} a month, almost twice the minimum payment due, my balance is over {$1700.00}! 

How is this legal??????????????? 

Still on hold waiting for the supervisor 's supervisor. But if it's like the previous call, I fear they will just disconnect me again. 

This can't be legit! I've been through enough with Covid, financially speaking, haven't we all. 

Can you please help me! 

The company can identify me through my name and phone number XXXX XXXX XXXX XXXX Thank you,
Product: Credit reporting or other personal consumer reports

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

I contacted XXXX in XXXX. I contacted you in XXXX. It is XXXX now and I just got a letter from XXXX. You guys said you resolve the issue you fixed it Im delusional theres nothing going on all up in my head thats kind of funny because this is dated XX/XX/2024 and its from concordXXXX XXXX XXXXXXXX credit and its to XXXX XXXX but it says thank you for your recent application to concordXXXX credit account issued by XXXX XXXX XXXX. unfortunately, we were unable to approve your application at this time for the following reasons because I didnt know my name I didnt know my physical address I didnt know my birthday and I didnt know my Social Security number how odd is that that Ive been tracking my name since I am XXXX from the first time I purchased a television to my present life where are you guys say no one is using my name no one knew where it couldnt be one of these companies do in the ad XXXX you know who it is oh of course not your protection bureau you would never ever allow something like that to happen now I would share this is another figment of my imagination that I have a letter Ive got a copy for you a copy for me to approve this is an inside job I have a credit freeze on my can you go to dabble and someone elses life and leave mine alone you have destroyed it I know you guys get paid way too much money that you allow these companies to destroy us. Yall need to start paying taxes, so maybe thatll open up your eyes a little bit and you can see all the fraud thats happening before your eyes and to your consumers. Im going to keep on making these reports until you fix your mistakes and I dont know if you guys are doing your whatever I dont care. this is three times this year of 2024. This has happened. I dont know the company and it keeps happening. What are you guys doing?
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

RMS reached out to me for debt of {$4100.00} which they alleged I owe to XXXX who I worked for till 2018, I have never been reached out by XXXX regarding any debt and I received my No-Dues from them. 
I dont owe this debt, its false claim against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an alert from CFPB that my dispute was closed. Upon reading Portfolio Recovery Associates response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ..... 

1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.
Product: Credit reporting or other personal consumer reports

Literally within seconds Experian closed another while still working on another complaint, THIS IS CRIMINAL because how can you closed complaints while working on others and THERE THE SAME EXACT ISSUE now you truly can se its a computer sending these because there responses are completely idiotic AND HAVE ABSOLUTELY NOTHING TO DO WITH THE PROBLEM
Product: Credit reporting or other personal consumer reports

On/around XX/XX/year> I sent, via US Mail XXXX disputes to EXPERIAN. With a copy of my ID and recent utility bill ( see attached ). 
Instead of investigating, EXPERIAN send me a stall letter. Stating they could not find my account ( letter is attached ). 
EXPERIAN has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues with as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.
Product: Credit card or prepaid card

I opened a XXXX XXXX credit card account and made one purchase in I believe XX/XX/XXXX in the amount of approximately {$130.00}. This is all approximate because I never received a statement. Not one. I did receive the credit card so I know that XXXX XXXX had my correct address. In early XXXX I received a letter from ERC stating my XXXX balance was unpaid and had been placed with them for collection. Amount due being {$330.00}. I was shocked because I always pay my bills on time and then I realized I never received any statements from XXXX XXXX. I sent a letter to ERC on XX/XX/XXXX requesting more information about this, following the instructions given in the ERC letter for requesting more information. After not receiving anything I sent another letter on XX/XX/XXXX, again requesting more information and requesting a response by XX/XX/XXXX. I have not received a response. I called XXXX in XXXX and they told me because they had given this account to ERC there was nothing they could do, I had to deal with ERC.
Product: Debt collection

I recently checked my credit report and found a debt from a debt collector called XXXX XXXX XXXX. First and foremost, I have never received any form of phone calls or letters at all from this company. I have never spoken to anyone from this company either. So when I saw XXXX XXXX XXXX has listed the open date for this debt on my report as XX/XX/XXXX, I was thoroughly alarmed. This debt was originally owned by XXXX XXXX as it states on my credit report. I have not had a XXXX XXXX account since years and years ago. And in all actuality, I have had a XXXX account since XX/XX/XXXX. I believe, XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act by purposely re-aging my debt and making the statute of limitations longer without ever contacting me at all. I am not 100 % sure what year the XXXX XXXX account actually fell behind ( I'm thinking it was around XX/XX/XXXX-XX/XX/XXXX ). Which, if I am not mistaken, 5 years is the cut off mark for Florida statute of limitations. So if they did re-age my debt, XXXX XXXX XXXX can sue to collect a debt that may be time-barred. I have a image of my credit report showing the new incorrect date ; as well as, a copy of my original contract with XXXX reporting the date that I started my current account with them that I will be supplying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove my extended fraud alert, Thank you.
Product: Bank account or service

I applied for a line of credit with BB & T in XXXX. I was denied for the line of credit and XXXX of the reasons was excessive obligations in relation to income. This makes no sense considering the only considerable debt I have is student loans. My debt to income ratio is approximately less than 9 %. My student loan payments are {$400.00} and my gross income is about {$5000.00} a month. The rep told me the threshold for DTI ( debt to income ratio ) was 36 %. I had ample room to make a payments so I believe there should have been a counter offer not a denial. I have no other debt besides student loans. I also have been approved for another line of credit recently. No bank should be denying consumer 's credit because of student loans when the payment is less than 9 % of the person 's income. Excessive obligations in relation to income should not be reason for a denial but should have been the reason for a counter offer the underwriter determined was appropriate for my financial status. 
According to the Community Reinvestment Act the bank is to meet the credit needs of the local community. I am certain that majority of the community has a negative net worth because of student loans. By denying the application completely as oppose to countering the bank is certainly not adhering to the community reinvestment act.
Product: Debt collection

I received an phone call regarding this debt that was 5 years old this account was open with out my acknowledgment this company have been harassing my call many times and some time for an different phone number I told them this account was not step up by me so I 'm not responsible for this.
Product: Credit card

This issue is on a Wells Fargo XXXX : 1. I had a {$25.00} minimum payment due on XXXX/XXXX/16 2. I made a payment of {$32.00} on XXXX/XXXX/16 which they did n't apply to my card 3. I made a payment of {$610.00} on XXXX/XXXX/16 which they did n't apply to my card 4. I made a payment of {$650.00} on XXXX/XXXX/16 which they did n't apply to my card 5. I made a payment of {$1000.00} on XXXX/XXXX/16 which they did n't apply to my card 6. I was then charged a {$39.00} late payment fee on that {$25.00} minimum payment This makes no sense to me no matter how they try to explain it. Basically my payments were too early or too late even though they were all paid in the same month. I paid {$2300.00} towards my credit card balance in the month of XXXX when I only had a {$25.00} minimum payment due, but somehow they were able to charge me a {$39.00} late fee.
Product: Credit reporting

On XX/XX/XXXX, I obtained from Experian the annual free credit report to which consumers are entitled. I noted there were XXXX hard-pulls for information from " XXXX XXXX '' throughout XX/XX/XXXX I have nor have ever had any accounts with XXXX XXXX or their affiliates. I received no solicitations for credit card business from XXXX XXXX. I similarly have no credit, gas, or store cards. I immediately disputed this with Experian, requesting an investigation. I similarly contacted XXXX XXXX numerous times, and they refused to provide any explanation. 

Similar " XXXX XXXX '' inquiries have been made of another c.r.b. during the same time period. 

Also, during the time period in which these inquiries occurred, I was involved in a dispute with a local attorney regarding an estate matter. I find the correlation between these XXXX seemingly unrelated matters very curious. 

Experian 's response was to simply remove the entries from the credit report without providing an explanation. I sent Experian a letter on or about XX/XX/XXXX expressing my dissatisfaction for the trivial way in which they handled my concern. Today, XX/XX/XXXX, I received a revised credit report that omits the " XXXX XXXX '' requests. No explanation was provided for why XXXX XXXX, or someone purporting to be them, made these XXXX requests, and Experian likewise complied each time XXXX XXXX times in XX/XX/XXXX ). This activity is highly suspicious. XXXX XXXX will not acknowledge requesting the information and Experian refuses to address the incidents. 

I have spent considerable time trying to resolve this through all available means ( electronically, telephone calls, and standard USPS mail ) I am concerned both that the requester may not have been " XXXX XXXX '' and that Experian inappropriately furnished information to the requesting parties. The concerns are further legitimized by the seeming unwillingness by Experian to provide me the results of any investigation that may have ensued. 

I respectfully request for assistance in obtaining an investigation or the results of any investigation already conducted, as well as those which may be conducted, into why this incident occurred. Thank you for your anticipated prompt attention to this matter.