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

XXXX and Experian are reporting a bankruptcy on XX/XX/2018 for me. When I asked for proof of validation they stated that the record was validated by the XXXX XXXX XXXX TEXAS located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I reached out to this federal agency to ask for them if they provided this validation to which they sent me an affidavit stating they strictly do not and have not ever provided validation of personal records to credit bureaus. I will attach this affidavit if possible. Clearly XXXX and Experian are not being honest in their claim to validating this record as the source they used stated the opposite. Additionally, this same dispute was brought up with XXXX bureau who agreed that it shouldnt now nor in the past ever have been reported on my credit report. I have tried to explain this multiple times to XXXX and Experian but they do not cooperate nor take the time to back up their lies of this records proof with the claim the agency rebuked. Per section 611 of the FCRA, bureaus are required to validate accuracy of information with the furnisher. In this case the XXXX and Experian are claiming the furnisher is XXXX XXXX XXXX XXXXXXXX XXXX XXXX Texas however via affidavit the XXXX Bankruptcy XXXX XXXX XXXX XXXX Texas explicitly denies ever being the furnished to validate or provide such information. Thus it should be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent 609 letters to XXXX, XXXX, and TransUnion requesting proof of debt for the listed accounts below. I have not received any response from any of the 3 reporting agencies. 
XXXX XXXX XXXX XXXX business XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these items be removed from my credit report/profile as it is inaccurate.
Product: Credit reporting or other personal consumer reports

I am making a second report against Transunion and the rest of the credit bureaus because they are all doing the same thing. Transunion is admitting through their secured mail that there is a 3rd party that is submitting false information, but they are not disclosing whether it's their department or an actual 3rd party company. They are justifying what they are doing as policy. These people think the public is stupid. There was no inquiry made about me, and why deduct XXXX points over an inquiry? 

I know it's a Department connected to all XXXX Credit Bureaus and all they do is watch for late payments ill reporting while knowing that there are contractual agreements for being late per company. Here are the credit bureaus violating our rights again to make a buck. They lost federal standing, so why do they still have federal standing power? It's time to shut them down. We can't keep fighting them over things they know are wrong. They have an untouchable position and it takes so much energy to actually get changes made. It takes months and sometimes years to get changes made. They have targeted me since my XXXX. They have been lying on our credit reports for years. It's too many times I have called major companies who said they did not send a report. These credit bureaus need to pay the United States a fine and they need to give each person who has lost things because of their ill reporting and lying {$20000.00} plus the {$1000.00} per violation. I am asking for full forensic investigation on my file and for the credit bureaus to be shut down for their crimes. They will never run with integrity.
Product: Credit card or prepaid card

American Express serve closed my account for unexpected reasons unknown. My payroll check was directly deposited into the account. When they closed the account I still had a significant amount of money that I was not able to get to because they ( AmEx ) locked my account from being logged into. As well as locked the card from further transactions. When I contacted AmEx regarding issues at hand I was given the run around. The issue had not be resolved and AmEx even blocked my contact number from being able to contact AmEx. I have called AmEx from a different number and still the issue has not be resolved. I do have conversations recorded where a manager from the AmEx XXXX branch in the XXXX actually stated a balance amount that was left in my locked account.
Product: Checking or savings account

I have made over {$2000.00} in payments to us bank reserve line XXXX. However they have not been applied to my account. Recently i made 2 {$300.00} in payments totaling {$600.00} and a couple months ago I sent in a {$700.00} check. Us bank never applies my payments or they apply them incorrectly and keeps charging me late fees and interest fees on incorrect balance. My balance that is due should only be {$400.00}. You need to investigate this company ASAP! Where is my money going??? CONTACT ME BY PHONE THEY NEVER CALL OR ANSWER ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my XXXX XXXX and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX XXXX I contacted Synchrony Bank in regards to my TJMaxx credit card replacement that I had requested back in XX/XX/XXXX due to a name and address change. Synchrony Bank received the verified documents that I had mailed to them in XXXX and mailed me a new card. However... I never received this card, and subsequently, my account was closed! I have had this account for 11 years and it was ALWAYS in perfect standing... NEVER late on a payment. 
And of course, NO ONE had an exclamation of WHY it had been closed. 
I called 3 times ... once the service rep said they were having technical issues and couldn't give me a reason why it had been closed, 2nd time I was put on hold for 15 minutes and my last call was dropped after being told by a recording that every rep was busy. 
This is so typical of today 's incompetent customer service reps ... No one has any decent and professional work ethics anymore. EVERYONE wants to work remotely so they don't have to be accountable. 
( Attached is the conversation from " Live Chat ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with Experian because it showed my XXXX XXXXXXXX account as still being open. It was discharged through bankruptcy in XX/XX/2020. Now they added in that it has been in collections all the way up to present day. I have worked very hard to repair my credit and now they have a new collections that dropped my score immediately and we are trying to buy a new car. They refuse to accept a new dispute to correct this.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Citizens One website would not load and accept my payment until after XXXX. It is the XXXX of the month and their website is post dating my payment I made to the XXXX so they can charge me a late fee. Citizens One has a history of charging unnecessary and improper late fees. In addition, at no time has anyone from Citizens One customer service, corporate office, or executive team made contact with me regarding any of my previous complaints and to date I have never spoke with anyone from Citizens One.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

On XX/XX/XXXXXXXX  I paid {$310.00} to XXXX XXXX for a festival and camping ticket to the XXXX XXXX XXXX XXXX XXXX using my Capital One credit card, which as supposed to be held XXXX XXXX XXXX. On XX/XX/XXXX, the organizers of this festival ( XXXX XXXX  ) " postponed the festival to XXXX and changed the location from South Carolina to Ohio, promising a refund upon request. I requested a refund, and the last communication I received from XXXX XXXX  was from XXXX XXXX on XX/XX/XXXX, promising a refund soon. I have not received this refund as of XX/XX/XXXX. I can not attend the festival in XXXX  and do not want tickets to this event. I paid for the event that was supposed to happen in XX/XX/XXXX, and because this event did not happen ( cancelled by the organizer, XXXX XXXX ), I would like a full refund. It's as simple as that. I paid for a service. I did not receive that service. I am still out {$310.00} over 6 months later with no updates in 4 months. I have records of all of this. 

When I called Capital One, they refused to charge back my card until I had spoken to the merchant to try to resolve my issue. Once the merchant did not resolve my issue, I sent all my documents to Capital One, who refused to charge back the illegitimate charge.
Product: Debt collection

Contacted Convergys the Outsourced debt collections arm for XXXX. Ive contacted them and they were not even able to tell me what the exorbitant amounts of {$1400.00} entail. I disconnected an acct. in 2015 and turned in all Equipment to a XXXX store and disconnected due to a loss of a job and moving to another state. XXXX still has monthly charges that accrued and other fees that dont add up. They cant even provide me w a notice of collection of a debt for me to dispute it based in the fair debt act. 
Account no. XXXX
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. 


Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Mortgage

The Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), and also The Federal Trade commission states payment must be credited the date it was received. I filed a complaint with Ocwen Mortgage company by phone and they replied XXXX XXXX, 2016. They stand firm with processing the XXXX XXXX Payment the following day instead of the day received. This violates Fair Reporting practices and Loan servicing rule. Any assistance you can provide will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have ask several times for the mortgage company ( Homebridge Financial ) to report my account correctly ... they continue to tell me that they are but they are not! i have never been late with this account. They do not even service this account anymore and on my XXXX report it shows that they do and that it is open and late. They even tell me they do not service it anymore. XXXX XXXX is who services my account is what they tell me ... well i know that and they are showing on my bureau open and never late but so is HomeBridge who used to service my account but it is showing late. I WANT THIS OFF OF MY XXXX REPORT! IT IS NOT TRUE AND THEY ARE HARMING MY CREDIT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account ( Original Creditor : ) XXXX and ( Original Creditor : ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
Product: Checking or savings account

I opened a " free '' checking account with these crooks and they have ( without any disclosure mind you ) been taking {$5.00} out of my account each month. By the time I logged in and checked they had already stolen {$25.00}. Then I performed a standard ACH to get my money away from their dishonest hands and they charged a {$3.00} fee. This was not a wire or any other form of escalated activity. In fact it took them nearly a week to disperse the funds to my other account.
Product: Debt collection

I requested written contracts with my signature I never received a month later I received a statement saying I owe the debt never had any type of credit with neither company. I would appreciate and request these items be removed from my credit report and there was an inquiry from XXXX XXXX on XX/XX/2024 I have no knowledge of I was contacted from XXXX XXXX and was told that I should contact the credit bureaus.
Product: Money transfer, virtual currency, or money service

International money remittence for amount of XXXX was initiated on XX/XX/2023. 
After waiting for 7 business day ( XXXX as k for 4 days ) I reached out to customer support center requested for status update since XXXXXXXX XXXX was show transaction completed but the recipient never received the money. They requested recipient account details and bank statement to show that money was not received. Which was shared within days. 
I was told thirdparty bank confirmed that amount was not delivered and they will refund the money.

I have been reaching out to customer support every week from past 90days requesting for my refund without any update. I have left with no option now but to log grievance with CFPB to help me get back my hard earned money.
Product: Debt collection

I spoke with Peter Roberts & Associates today ( XXXX ) concerning a collection that is on my credit report and showing up five times for the same account. It is for XXXX XXXX, XXXX, RI and it is for the same service - these duplicate accounts need to be removed. I also spoke to them about XXXX other accounts I have which is fine. I requested that once these debts are completely paid, I wanted them removed from my credit report. I was told that the federal government is asking collection agencies to refrain from removing debt from people 's credit reports just so that they could have a history of the account. Can you please tell me if this is true? I spoke with another collection agency prior to calling Peter Roberts and was told that once I made my last payment, they would remove the dispute from my credit report. Can you please provide some guidance?
Product: Debt collection

The disputed amounts do not pertain to any credit extended, but relate entirely to introductory ( deferred XXXX interest program. Commenity Bank ( XXXX XXXX ) failed to credit my account prior to the expiration of the deferred introductory interest. We received documented credits for multiple deliveries of damaged merchandise. Commenity Bank ( XXXX XXXX ) did not apply the agreed upon credits to the account when the merchandise was disputed and agreed upon to issue credits ( on recorded lines ) in a timely manner. Commenity Bank ( XXXX XXXX ) were negligent and fraudulent in this manner by attempting to seek payment on deferred interest for merchandise that was damaged and previously agreed credits were not timely applied to the account. Had such credits been applied to the account as stated and agreed by Commenity Bank ( XXXX XXXX ) the account balance would have been {$0.00} prior to the expiration of the deferred interest program.

Furthering the fraudulent and negligent business collection practices, Commenity Bank ( XXXX XXXX ) locked me out of any online access to account payment and history options, as well as continuing to deny all requests for account history/statements. XXXX XXXX XXXX failed to send a validation letter after I requested one vie telephone. XXXX XXXX XXXX failed to properly serve me with paperwork regarding the lawsuit.
Product: Credit reporting or other personal consumer reports

Up until yesterday, XXXX, I could not get into my Equifax account. When I finally accessed it yesterday, it showed the name XXXX XXXX XXXX with birthdate as XX/XX/XXXX and multiple addresses that I never resided at. According to the first CSR I spoke with there was another birthdate showing which was XX/XX/XXXX. 

Because of these errors I missed out on being approved for a XXXX  with XXXXXXXX XXXX XXXXXXXX Mortgage. They could not import my information because of the erroneous information. The first CSR transferred me to someone who was supposed to be her superior. She argued that the information showing on my report was correct and that she didn't see the info that I was looking at. Because of that I saved that information. 
When I asked her why I couldn't get my credit report faxed to me or the mortgage company, she would only say that it had to be mailed ; which would cause it to get into my hands or the mortgage company too late. She also stated that my report was in shambles because of " internal issues. '' When I pressed her for an explanation of the internal issues she wouldn't answer. I told her that they should give me a report and make it accessible immediately to the inquiring mortgagor. Why should I suffer and be penalized for their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

And I was notified by Equifax of my information being breached during the security breach they told me they dont care so need to settle out of court or we can go to court. 
The amounts wrong account information is wrong days delinquent is wrong I reported it is filed on bankrupcy they didnt care court date is XX/XX/XXXX they said they dont care I filed dispute by phone online and by mail here it is months later so has to be removed by law. they said they dont care I said on some of the hard inquiries there was identity theft they said the dont care contact the company they said that they dont have me on file so nothing to dispute so contact the credit reporting agentcy then Equifax refused to deal with the Identity theft, problem I have reported it on the CFPB proper page of identity theft problem but have not seen or heard from them at all. 
And the dates reported was after filing bankruptcy cort is not till XX/XX/XXXX and both were notified already. 
XXXX XXXX Needs Attention Last reported : XX/XX/XXXX {$620.00} 30-59 Days Late Overview You've paid off -30 % of the original amount. 
Balance {$620.00} Highest Balance $ 482 Monthly payment {$87.00} Opened XX/XX/XXXX ( 3 mos ) Term 7 months Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status 30-59 Days Late Worst Payment Status No Info Account Details Account status Open Type Unsecured Loan Responsibility Individual Remarks Fixed rate Times 30/60/90 days late 0/0/0 See an error?

You could dispute an error with Equifax. 

GO TO EQUIFAX Creditor Information XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX was owned by my late husband, XXXX XXXX XXXX and me until XX/XX/year>. The company ceased operations and liquidating filings were submitted. Four corporate credit cards were either settled or closed since then. XXXX XXXX was dismissed in a judgement ( attached ), XXXX XXXX had XXXX that were paid out of a settlement, and XXXXXXXX XXXX wrote off the balance and closed. All were used for corporate purchase. 

I am requesting that this delinquent payment reference be removed from my personal credit data.
Product: Money transfer, virtual currency, or money service

Tring to link my account with XXXX XXXX XXXX XXXX/website and it will not allow me. please fix this! 

XXXX XXXX XXXX