23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to XXXX days. Upon completion, the result summary will be provided directly to you for review. 

For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried correcting information with two separate companies Experian and XXXX.

XXXX corrected one of my errors but left the other in tact. Since then I have tried making contact with them multiple times, but every time their systems are " down '' and they ca n't process my request. These error need to be fixed but this company shows no interest in upholding their legal responsibility in this matter. 

As for Experian, their systems have refused to verify my identity. The free credit report they provide does not contain information that they require to file a dispute. I have tried multiple avenues of filing a dispute only to run into an unnecessary roadblock along the way. I believe Experian is not upholding it 's legal responsibility to consumers by making their system impossible to navigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666b - Timing of payments U.S. Code ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

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 card

My application for credit was declined based on what their employees called the " Solid XXXX '' rule. Meaning XXXX or more new accounts in the last 2 years, is an " instant denial '' for a new line of credit. This being a specific practice of theirs, was not posted anywhere on their application, nor terms of the application. 

I contacted Chase Bank on XX/XX/2024 and was escalated to their review team, seemingly to resubmit my application which I did not want to do. They provided no path for me to escalate the matter that I was completely mislead in their application process. Again, had their specific " XXXX '' rule been posted even in the terms and conditions of their application, I would have avoided applying. 

Because of this new hard inquiry that could've been avoided by posting the actual terms of a credit application, I am now not likely to receive lines of credit from any other financial institution for up to 24 months, or longer. I will certainly not be able to do so with a satisfactory interest rate.
Product: Checking or savings account

I was recently approved for XXXX. My payments have been in a check form. The first time I deposited my check they put a 7 day hold on my check. My check wasnt over {$4000.00}. I called and a XXXX told me the amount was high and the check wasnt strange looking. The second time I deposited my XXXX check- they again put a hold on my XXXX check. This is my money and should have access to it. I need to pay my rent.
Product: Credit card

I setup autopay on some credit cards in XXXXXXXX XXXX XXXX. I recently went online to check each card and found that my XXXX XXXX credit card ( through Synchrony bank ) had been closed, and was past due. After checking my XXXX XXXX  account ( that is where the payment was scheduled to come from ) I came to the conclusion that Synchrony was attempting to take money from my checking account. The problem is that I setup the autopay feature to withdraw from my savings account there. I called Synchrony bank and they told me that I must've entered incorrect bank account information ( I didn't ). I then sent a message to XXXX about this and a representative told me that when Synchrony setup the payment they indicated that it would be coming from a checking account and not a savings account. I called Synchrony again with that explanation from the bank and they once again told me that I must've had the wrong information submitted and that they want me to pay my past due amount. On top of all of that, they went ahead and closed the account as well! So now I am about to get hit on my credit report for a closed/delinquent account for something that was not my fault.
Product: Credit reporting or other personal consumer reports

this is my second dispute and you have failed ad admired that you are in violation of the fcra delete the following accounts immediately from my consumer reports Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The wrong amount is being reported XXXX XXXX Account XXXX : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The following information is outdated. I would like it removed from my credit history report XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
XXXX. The wrong amount is being reported XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXhe following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following information is outdated. I would like it removed from my credit history report XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
XXXX. The wrong amount is being reported XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate Please supply information on how you have verified this item. 
In accordance with the Fair Credit Reporting Act, I insist that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify these items with the relevant creditor. Please eliminate any information that the creditor is unable to substantiate. I am aware that under XXXX XXXX. Sec. XXXX ( a ), you are obligated to complete this investigation within 30 days of receiving this letter. 
Please send an updated copy of my credit report to the address provided above. As per the act, there should be no charge for this updated report. Furthermore, I kindly request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. 
Thank you for your attention and assistance regarding this matter
Product: Debt collection

I already filed a complaint about multiple credit card and debt collection companies. One of the companies was Capital One ( card ending in XXXX ). Capital One had a debt collection company send me a letter today, XX/XX/2018. It's a different debt collection company than before : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Product: Credit reporting or other personal consumer reports

Accounts : XXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2022 at approximately XXXX I received a notice from HR stating wages were going to be garnished. I received a WG-006 Claim of Exemption to file with the court. I contact the plaintiff office XXXX XXXX XXXX XXXX  I advised them that the debt was not mine. I am a victim of ID theft and I never lived/rented/tenant in XXXX XXXX XXXX where the allegedly tenant using my information rented a dwelling and not paid rent. The attorneys office asked for last 4 of DL and they concluded that it was not the ID they had and might be a fraud case. My wages are going to be garnished because of this case of mistaken identity and need it resolved as soon as possible. 
CASE XXXX I am a XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

I received no prior notice from this company. They sent a violent individual to my apartment that began pounding on our door so hard it bent the latch and door jam. He persisted and we were terrified someone was trying to break in not expecting them. My XXXX year old son has XXXX and was crying and visibly shaken. After XXXX minutes and us about to call police, he yelled and swore at me to open the door he had papers to sign. I relented and signed. Intimidating and harassing peoples families with no warning is wrong and causes a great deal of XXXX XXXX.
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for False Claims in Violation of 18 U.S.C.section 1001. Failure to fulfill its obligations required by Secretary of HUD/FHA . Theft of real property. Submission of false misleading & forged documents and records to State & Federal authorities. Violation of FDCPA rules and regulations. Submitted false & misleading Loss Mitigation claims with HUD/FHA . Submission of false & misleading documents and records for the purchase & sell of said property. Violated 12 CFR section 226.39 ( a ) ( 1 ). Violated 15 U.S.C.section 1641 ( f ) ( 1 ) filing false foreclosure documents & records on said property. Violated 24 CFR section 203.604, 24 CFR section 203.605, 24 CFR section 203.606. Falsely representing itself as Lender & Proprietor of the subject FHA insured obligation & fulfill its duties by Federal Laws. Under 24 U.S.C. section 203.604, 203.605 & 203.606. Submitted forged & falsified notarized Assignment of Mortgage. Falsely presenting as Mortgage assignee & Original Lender as assignor. Falsified original Mortgage note with forged & counterfeit documentations ( I have a duplicate of Original Note, agreement and/or contract ). Public Records look nothing like duplicate provided from Original Lender. Submitted false & misleading information to FHA/HUD claimed have acquired Mortgage in XXXX. XXXX XXXX XXXX XXXX XXXX has never provided any proof, contract, or agreement on how they become involved with this Mortgage. XXXX XXXX XXXX XXXX XXXX again claimed that they acquired the Mortgage in XXXX ( No record ). FHA records shows XXXX XXXX XXXX  as Servicer. XXXX XXXX XXXX  doesn't show up on FHA spreadsheet until XXXX. In XXXXXXXX XXXX XXXX XXXX entered a Loan Modification with Buyer that was never reported to XXXX. The Original Lender was acquired by PNC Bank in XXXX. XXXX XXXX XXXX did not secure the Assignment of Mortgage until XXXX. XXXX XXXX XXXX  used deceptive means in signing off on Assignment of Mortgage & Promissory Note. They used an PNC Bank employee who falsely represented herself as an Original Lender 's employee, in actuality she is an PNC employee who sign the Assignment of Mortgage & Promissory Note as Original Lender 's Mortgage rep. Last I filed a few FOIA requests. XXXX XXXX XXXX XXXXgnored my request. Provided alternative information instead of what was requested.
Product: Credit reporting or other personal consumer reports

Since XXXX I am being harrased by the creditor mentioned I called them and every time I call I get an XXXX person I asked for a manager he says he is the manager so I decided to ask the credit agency to investigate the issue no response never get anything thn I call three months later and nada I send the documents again I get a notification saying investigation closed and verify as accurate I m sick of this game please please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted on XX/XX/2022 that I had an inquiry from XXXX that XXXX XXXX  XXXX pulled my credit. And on XX/XX/2022 I was alerted that XXXX was pulled a second time for an inquiry for XXXX XXXX XXXX which is also not mine. And Equifax was also alerted on XX/XX/2022 with an inquiry from a company with the initials of XXXX. And not to mention on XXXX I was alerted with an increase from XXXXXXXX XXXX. I have no idea where these inquiries come from and I would like them removed please as soon as possible
Product: Credit reporting or other personal consumer reports

Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Complaint Against : XXXX Experian XXXX Subject : Incorrect reporting of names and addresses on my credit report, and XXXX not reporting any information at all.

Details of the Complaint : I am writing to formally file a complaint against the credit reporting agencies XXXX, Experian, and XXXX for providing incorrect and incomplete information on my credit report. 

1. Incorrect Names and Addresses : Both XXXX and Experian are reporting incorrect names and addresses on my credit report. These inaccuracies are causing confusion, which may negatively impact my credit score and financial opportunities.

2. XXXX Failure to Report : XXXX is not reporting any of my credit information. This failure to report is causing significant damage to my credit profile, as it appears incomplete or non-existent. The lack of information from XXXX is hindering my ability to apply for credit, secure loans, and pursue financial goals.
Product: Checking or savings account

I signed up for an Amazon Store Card issued by Synchrony Bank. Although I provided correct information, they set my account up under XXXX XXXX ( as First Last ) as opposed to XXXX XXXX. My full name is XXXX XXXX XXXX. This caused me to be unable to access my account. After contacting customer service for assistance, they failed to follow up with me in any way. Some days later, they added a phone number to my account as a form of Two-Factor Authentication that is in no way related to me : I was thus then even moreso completely unable to access my account. 

Some months later they closed my account after assessing penalties against my security deposit that I was in no way responsible for, nor able to rectify in any way despite multiple attempts with their customer support. 

This has negatively impacted my credit score. 

Their practices do not conform with banking regulations regarding to Know Your Customer laws as they opened an account under someone else 's name. They also likely breached security and privacy regulations by applying an unrelated phone number to my account as an additional security measure. 

They refunded my account security deposit ( minus fees assessed ) but the check arrived months and months after its issuance date, making it unusable. Their customer service has yet to replace the check ( which is over {$700.00} ).
Product: Mortgage

On XX/XX/XXXX i have attempted to catch up on XXXX late payments for both XXXX and XXXX. Planet Home Lending refused to take payment without answering a series of personal questions. Under duress and in direct violations of my rights vague answers were provided about " why I was late and when I would pay XXXX payment '' Planet Home Lending is making it next to impossible to catch up and I believe violating consumer rights not allowing them to pay online or without answering probing and invasive questions. I have an audio recording of the incident I would be happy to provide to the CFPB
Product: Credit reporting or other personal consumer reports

The account below was reporting billing inaccuracies. Inaccurate late payments. The company did not hold up their end of the bargain. The representative told me to pay the balance and I told them that the account was reporting bad and inaccurate. I had no problem with paying the balance. XXXX did not update my account to reflect good. I also asked the representative if he couldn't change it, just take my payment and delete the account so it doesn't reflect bad on my credit. Nothing was changed. But I was still able to get another credit card with the company. It doesn't make sense. Please advise them to remove the chargeoff and late payments which is inaccruate or DELETE the account as a whole. According to the FCRA, XXXX is supposed to report 100 % accurate information. 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/year> Credit Limit : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving letters from the Department of Education on my permanent disability discharge for Student Loans in XXXX I tried notifying credit bureaus so that it could reflect on my Credit Reports but their systems would no allow me to do so.
Product: Debt collection

Contacted the company regarding apparent debt starting in XX/XX/2017. No  contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
Product: Checking or savings account

I went in person to close my account at TD Bank. I was told I need to withdraw my balance so there is a zero dollar balance in order to close and that I had to check off " close account '' and sign on the withdraw slip. I did exactly that. They now refuse to close my account and are even threatening me over the phone ( Branch Manager and Supervisors in their support center ). They are also threatening to send me to collections for overdraft fees that didn't exist until after I closed my account. I simply wanted to close my account with a zero dollar balance. They refuse to give me a copy of my withdraw slip which proves my case.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 


Depending solely on your flawed XXXX  system 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 XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, 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 XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX & XXXX - XXXX XXXX XXXX