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

Experian continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Experian 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section 1681c does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. XXXX  has abided by the guidelines set forth by the FCRA and removed the bankruptcy, yet Experian continues with the erroneous misinterpretation of said guidelines.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Experian must delete this information from my credit report and send me an updated copy when this action is completed.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX  {$2400.00}
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 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance XXXX {$54000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has on my credit late fee 's, the account in question was open on XX/XX/XXXX with a limit of {$1000.00}. The account is now closed. XXXX XXXX reported some late payment which has affected my ability to obtain new lines of credit. Date reported late payments : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Acct : XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$200.00} as of XXXX XXXX also you claim LATE PAYMENTS ON XXXX XXXXXXXX XXXX  DAYS LATE, XXXX XXXX 60 DAYS LATE, XXXX XXXXXXXX XXXX DAYS LATE, XXXX XXXX XXXX DAYS, XXXX XXXX XXXX AND THERE ON. This is a formal notice that your claim is disputed. I am request validation, made pursuant to Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, 2 showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as 3 evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Debt collection

Over 6 years ago, I employed the XXXX XXXX XXXX XXXX XXXX to help me with a XXXX case. Their firm helped me for several months, and my bills were paid up to date. We reached a point in the process where the attorney said, in order to continue with the case, I would have to pay another {$3100.00} on top of what I already paid them. The case was dropped, shortly thereafter, and no more legal services were rendered. So this bill for {$3100.00} was not paid, because additional legal services were not needed. Somehow, this balance got sent to this collection agency as an unpaid bill, but it was a mistake. I do not owe the law firm an additional {$3100.00}. We paid them for the services they provided.
Product: Payday loan, title loan, personal loan, or advance loan

Synchrony Bank A XXXX XXXX When I entered a 2-year consumer lending loan ( {$4300.00} ) deal with Synchrony Bank on XX/XX/XXXX, I wasnt aware that the loan wasnt designed to be paid off monthly in two years ( similar to XXXX XXXX purchase ). I received a very short email from Synchrony Bank monthly for two years notifying me that the payment was paid by automatic withdraw from my other bank account. To my surprise, the loan amount increased from {$1900.00} in XX/XX/XXXX to {$4200.00} in XX/XX/XXXX. I am horrified to learn that Synchrony Bank enticed me to a loan with 29.99 % annual deferred interest if there was any unpaid amount at the end of two-year deal. 

If Synchrony Bank would send me an apparent notification stating that the loan would incur an interest charge of {$2400.00} in XXXX, XXXX, I would have chosen to pay off the loan. Instead, Synchrony Bank sent me a short email just like in the past two year notifying me the automatic withdraw. I wouldnt know I had to pay almost 60 % more of my loan amount unless I spent time to open the statement on the banks website. As a XXXX trying to manage my life, I am too busy to check the statement in detail. Without any grace period, Synchrony Bank utilizes this type of business tactics to prey on citizens like me with astronomical 29.99 % annual deferred interest. I urge the governing authority to investigate how many citizens are abused by the financial XXXX like Synchrony Bank. I called the bank right away, trying to find a resolution to pay off the loan with a reasonable interest rate, but the three representatives ( XXXX, XXXX XXXX, XXXX XXXX ) that I spoke to unsympathetically declined my request. 

There are many illegal financial scams in the States. However, how could the U.S. government allow an institution like Synchrony Bank to run a legal financial scam with such a high interest rate? Please STOP Synchrony Banks financial abuse to the law-abiding citizens who worked so hard to support themselves and their family.
Product: Mortgage

My mortgage company XXXX Loancare required that I have mortgage insurance until my home was at 80 % loan to value. I live in XXXX, CO where home values have gone up considerably over the past year. In XXXX of 2021, I contacted XXXX Loancare and requested my mortgage insurance be cancelled. I was sent a denial letter on XX/XX/XXXX stating my home was by them at 85 % loan to value. There was no disclosure as to how they arrived at that number. 

Prior to the denial letter, in early XX/XX/2021, I submitted a comparable home sales report from a Broker named XXXX XXXX with XXXX that showed my home was valued at {$520000.00}. My mortgage balance was XXXX so I only needed the home to be valued at {$460000.00} to have the PMI dropped. In the denial letter they stated that I needed to pay them {$150.00} so they could hire their own Broker to assess the property value. They have access to home sales through their own software and the county assessor why did they need a 3rd party? In XX/XX/2021, having made several calls to the company and receiving three more denial letters, I paid the {$150.00} fee and a broker they hired came out. They recommended the removal of the PMI and provided comparable home sales in the area that far exceeded the value my home had been assessed. 

This indicated to me that the insurance coverage placed on my home had been unnecessary for at least six months. I have requested and demanded a refund of the unearned premium of {$220.00} per month for the past 6 months from XX/XX/2021 to XX/XX/2021 and the {$150.00} fee should be refunded as well totalling {$1400.00}. 

I have already made this request with their representative XXXX XXXX and have received no response. My loan number is XXXX Her email is XXXX I might add that when making the request to have my home value reviewed, even XXXX Loancare 's website provided an assessed value above {$500000.00} for my home so clearly they had the ability to see the value of my home and yet continued to charge me premiums for an insurance that's only priority is to guard against the losses of the mortgage company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL OF THE ABOVE ARE USED AUTO DEALERS AND AUTO FINANCING COMPANIES. THERE IS NO WAY MY CREDIT SHOULD HAVE BEEN RAN IN ONE DAY! ALL THIS HAPPENED ON XXXX XXXX XXXX XXXX XXXX I HAD MAYBE TWO COMPANIES TO RUN MY CREDIT BUT SEEMS LIKE IT'S BEEN SHARED. I WOULD LIKE FOR THIS TO BE RESOLVED BY HAVING THESE " PULLS '' REMOVED FROM MY REPORT.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccurate information that has been continuously verified as accurate by XXXX, XXXX, and Equifax, despite my previous disputes. This ongoing reporting of incorrect data violates the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( a ) and 623 ( a ), which mandate the removal of unverifiable or inaccurate information. 

I have attached evidence proving that the information in question is inaccurate, and the credit bureaus have failed to correct it. This is a clear violation of my consumer rights. I urge you to promptly investigate the attached proof and remove this inaccurate information from my credit report.
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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Product: Credit card or prepaid card

I used a  Capital One  secure credit card to start building up my credit. I was asked for a deposit of {$100.00} to get a credit of {$200.00} at a rate of 24.99 %. I closed this ridiculous account, and I was expecting my deposite back, and it never came. I called them, but it is impossible to get a hold of anyone. I have n't been able to get my deposit back.
Product: Debt collection

I went in to Credit Collections Bureau and paid a small claims, the front desk person looked it up and told me the amount, paid by debit card and got a receipt that said judgement paid. Now I find out that there is more interest to pay. I am XXXX and trying to close on a house they said I owe XXXX more in interest.
Product: Checking or savings account

I deposited {$400000.00} by check into an account at Marcus by Goldman Sachs. They took two weeks to clear the check even though the check cleared the originating bank in one day. Then, I was not allowed to withdraw funds. It's two weeks later, and I still can't access my funds.
Product: Debt collection

I received a collections letter from spring oak capital. I am having financial difficulties which is why I can not pay right now. I'm not refusing to pay. I just can't pay anything right now. They will probably pull the trick that they can't find me. Even though they sent me a letter to my address and they know my address.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX XXXX ) Open, XXXX XXXX ( Collection )
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so, the company XXXX their autopay system due to a glitch that occurred when My payments were due. I am unaware of any outstanding balance, I was not notified by XXXX and only discovered the issue after checking the credit report. Although XXXX acknowledged the problem and agreed to resolve it, they have not yet taken any corrective action. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 
Depending solely on your flawed XXXX XXXX  has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Mortgage

Last year I had an issue with Ameris Bank where they sent my escrow tax payments incorrectly to the wrong Tax ID. After months of constantly trying to get it fixed and sending a CFPB complaint ( XXXX ) they assured me it would never happen again and they paid a {$75.00} fee for the late fee. 

This year again I got another escrow check and again they paid it towards the wrong tax id. They also said I have a shortage in my account in the same amount XXXX XXXX is listing as a penalty from 2022 late fee since they took MONTHS to pay it. This amount is {$580.00}. AMERIS BANK DID NOT COVER THIS PENALTY FEE AND NOW WANT ME TO ABSORB IT IN MY NEW ESCROW PAYMENTS. They also stated they paid the late fee in the amount of {$75.00} in the letter but the Fee in XXXX XXXX is {$89.00} IN ADDITION TO THE {$580.00} PENALTY. 

XX/XX/XXXX, I called in to pay {$170.00} in response to them absorbing these penalty fees as part of what I now owe as Escrow I got a letter saying the check was returned. I processed the payment over the phone with an agent - I didn't send a check and got returned check letters when an agent said this payment went through successfully. 

I was also told by the supervisor she saw how I was charged the penalties but Ameris did not cover them and she was creating a case. I have not heard back since.

This second mistake from Ameris, repeating the same one as last year has cost me time off work to handle these errors. It has also created mental distress for me and my family to have to constantly react to the errors. I've gotten no response from XXXX XXXX the supposed research person assigned to the case. I'm starting to think Ameris Bank is discriminating and treating me unfairly as a customer by putting me through their errors multiple times now. I am wondering if this is a deceptive practice to try to ruin my credit and not have me be a homeowner.
Product: Credit reporting, credit repair services, 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. 
Account name XXXX XXXX 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 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.
Product: Credit reporting or other personal consumer reports

My information have been using to open credit account such as auto loans, student loans and etc without authorization of myself. Unauthorized Inquiries are also included on my report which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit card is showing up as a trade line on my report i never added any trade lines into my credit information is not accurate.
Product: Debt collection

Sequium Asset Solutions , LLC has harassed me by phone, mail and continued after XXXX advised them that I did not owe XXXX any money.XXXX XXXX of XXXX @ XXXX has advised them ( see attached ) and they continue to write and harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items were not authorized nor completed by me as a consumer : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

A continuation of XXXX, Capital ONE calls/emails me everyday in attempt to collect on an amount that I do not owe. They have yet to retract the fees and interest accumulating on this account. The last and final payment on the card was paid via my XXXX credit account on XX/XX/XXXX in the amount of {$200.00}. I will submit a complaint from now on for everyday that they attempt to collect on something I do not owe.