23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It's evident that each time I lodge a complaint with CFPB, they respond by damaging my credit report. 


Subject : Urgent Complaint Warning : National Credit Systems Engages in Deceptive Practices Leading to Substantial Credit Score Reductions via {$1.00} Collection Balance Adjustments and Unauthorized Changes to Delinquency Dates. 

Dear CFPB, I am writing to express my utmost frustration and anger regarding the relentless and deceitful practices perpetrated by National Credit Systems, which are wreaking havoc on my financial stability. 

As of today, Tuesday, XX/XX/2024, I am once again appalled by National Credit Systems ' audacity in removing a collection account from my credit report, only to swiftly re-add it shortly afterward. This blatant disregard for honesty, often referred to as " trashing the consumer 's credit report, '' is not just unacceptableit 's infuriating. Every time I attempt to hold them accountable by filing a complaint, they retaliate by sabotaging my credit report. 

The manipulative tactics they employ, such as tampering with collection balances by minuscule amounts and unlawfully altering delinquency dates, have caused significant and unwarranted decreases in my credit score. These underhanded tactics, which have persisted unnoticed for over a year, have eroded the trustworthiness and accuracy of my credit report, leaving me utterly exasperated. 

These alterations may seem insignificant to some, but they have far-reaching implications for my creditworthiness. The repeated manipulation of collection balances and delinquency dates creates a false narrative, implying the addition of new collection accounts to my credit reporta situation that only compounds my frustration. 

It is crucial to highlight that collection agencies like National Credit Systems do not possess the authority to tamper with the original delinquency date, nor do they have the right to alter the date of account opening. I have neither authorized any payments nor incurred any charges related to this account. Therefore, the original delinquency date should remain unchanged and should be rightfully expunged from my credit report after seven years. 

I vehemently urge the imposition of severe penalties on National Credit Systems for their flagrant violations of the FTC Act. They must be held accountable for their manipulative practices, which not only harm individual consumers but also undermine the integrity of the entire credit reporting system. 

A substantial civil penalty, such as XXXX XXXX dollars, is warranted to address the gravity of these unfair and deceptive practices. The evidence unequivocally shows that National Credit Systems has knowingly engaged in conduct that is both unfair and deceptive, making it imperative for the Commission to take swift and decisive action. 
It is imperative that the CFPB takes decisive action to protect consumers from further harm and to restore integrity to the credit reporting system. Your attention to this urgent matter and your commitment to safeguarding consumer interests are deeply appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged student loan account from US DEPT OF EDUCATION that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged account. They failed to provide me validation, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with US DEPT OF EDUCATION and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Product: Credit card or prepaid card

On XX/XX/2019 I placed an order through XXXX  4 cash price of {$150.00} on XX/XX/2019 I made an order that was a total of {$250.00} through XXXX  I also at that time was disputing a charge on XX/XX/2019 for XXXX XXXX and tried reaching the company and the phone number is disconnected these three transactions are fraudulent I went online within two days of the purchase on the XXXX and the XXXX for these items and when I went to their websites within two days of purchasing the websites disappeared they would no longer available I went back to through XXXX to these stores that they endorse and they said they would look into it however the companies have disappeared and I'm stuck with the bank saying that because I gave them my card number I was responsible for them not producing product well the company was fraudulent to begin with and I didn't know this until two to three days after I made the purchases the bank that I'm dealing with direct deposit company issued my money back to my account on XXXX XX/XX/2019 they took the money out of my account again saying that they had conflicting information about my complaint I however did not know when I complained almost immediately to the bank that these companies were already considered fraudulent I looked into the company 's before I placed my order and there was nowhere that they said that these companies were fraudulent except for two days later when then they now were fraudulent my back knows this and for some reason they will not send me the information that they received which caused them to reverse their decision of refunding my money of {$450.00} I have made this request to them personally through a supervisor on three occasions I still have not gotten their paperwork telling me why they made this decision they sent me paperwork with just a copy of my transactions and nothing in that paperwork tells me why their decision was what it was I'm very upset with this company I've gone through this ever since I made the purchases back in the fall I have been going back and forth with this bank trying to get them to listen to me and they just keep putting me on hold in fact the last time I waited for a supervisor for 2 and 1/2 hours on the phone only to be put off again to be told that I'm sending the information to you in the mail immediately well that hasn't happened and I'm very upset I'm on Social Security I need that money back I did it with good intent the company was fraudulent it's proven its fraudulent and I don't understand my Banks reluctance in returning my money so therefore I decided this morning that I was going to place a complaint against them they are very difficult to get a hold of they are very good at putting you on hold for a very long time only to send you to the wrong representative over and over again there's no address to reach them the phone number is the same for everything and I'm just very upset with them I don't know if you can help me with this but I surely hope you can
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft and the fraudster attempted to open an account at Barclays under my name. Though an account was not created, the hard inquiry on my credit report remains on my account. I have been in touch with Barclays to have the hard inquiry removed from my credit report, but they have been unwilling to remove it. 

The inquiry was not authorized by me in any way, I reported the fraud, and they have refused to take the steps necessary to remove the inquiry. 

Barclays is complicit in the fraud and its resulting negative impact to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report more than 30 days ago, XX/XX/2022, and requested Equifax update my personal information. More specifically my name. I found multiple variations and spellings of my name. I only go by one name and one spelling of that name. I sent documentation providing my name and the one variation of spelling to XXXX and my information still has not been updated.
Product: Credit reporting or other personal consumer reports

See attached. I have disputed this account numerous times due to fraud and now you are getting a copy of the cease and desist letter that the creditor received.
Product: Mortgage

I asked XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) for a loan estimate. She refused to provide a loan estimate " unless I have all your documents and full documentation for an application. '' I have received loan estimates from other companies, and per the CFPB website, I don't need to provide additional documentation for a loan estimate. https : XXXX
Product: Mortgage

I had a XXXX XXXX loan with a 10 year balloon, that was ending on XX/XX/2016, with Citi Bank. I contacted Citi at the end of XX/XX/2016 and requested options as I could not afford the increase from $ XXXX. to almost $ XXXX. We decided that I should apply for a hardship and try to see if we could get the payment lowered, which I did in the first week of XX/XX/2016. It has now been 8 months, over XXXX emails that I have sent and more than that received and still they are requesting additional and also the same, info. A lot of items they have asked me for, XXXX and 5 times! Or after having sent in the time sensitive info requested, they get back to me 2 months later and say it is outdated-and to resend it the updated info again. I have been borrowing the monies from relatives and credit cards to pay the additional payment, in the hopes that I could get a manageable payment. I was initially told by contact person at Citi, that I would have an answer by XX/XX/2016. I have contacted supervisors who sent me a detailed copy of all our emails and said basically this is a normal process. I am paying XXXX % on the credit cards for cash advances and can not keep this up. I want to pay my debt, but can not continue to wait this ridiculous amount of time. I do n't know if they are doing this on purpose, but ca n't imagine this is a normal time frame. I do n't know where else to turn and just looking for some guidance. They also auto deducted from my bank account the new increased payment XXXX month after I was told the payment had been canceled, per my request. Thank You for you help!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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 install
Product: Mortgage

I was informed by Bank of America that I have qualified for a mortgage modification. I received the new mortgage as well as the new terms. However, two days ago I received my old mortgage statement as well as a bill to pay my old mortgage. As I understand, the new mortgage replaced the old mortgage. I now have XXXX mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a dispute for inaccurate information on my credit report! It has been well over 30 days and the accounts haven't been notated as being disputed! This leads me to believe that no investigation was done and this is a violation of my rights!
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX 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, Equifax '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 2025- CFPB-0002 ) against them for similar violations. i request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

On XX/XX/XXXX XXXX Synchrony Bank allowed and over {$5000.00} charge to go through. ( Can photos upon request ). I immediately called the next day when I saw it to report obvious fraudulent changes. I had to make 2 calls send pictures of my ID take a video of myself to even file the complaint. Meanwhile on the call filing the complaint I learn they allowed someone to just easily call in and access my account, personal information, and change my address to an entirely different state and get access to charge with my card. What kind of messed up securit is this? Someone can just access and change my address but to report what is so obviously a suspicious charge that they allowed to go through because they just allowed someone to change my address with no issues..??? What the actual???? 
They said not to worry I would not be responsible and it would all be taken care of. 
Meanwhile XXXX weeks later, my payment due went from {$79.00} to over {$230.00} for XXXX because of the fraud charges they had not fixed and still have not fixed. They did not take my autopaymwnt out that is set up and charged me a late fee. I have called in 3 TIMES and go absolutely nowhere! Its even impacting my credit score that has now dropped because it shows me over my credit limit on this card by almost {$3000.00}!!! 
Do 1- they allowed someone to change my address and access my information 2- charging me interest in it and still are 3-allowed what appears very obviously a fraudulent like charge to go through for a very large amount ( over XXXX ) that would cause a cardholders account to go overdrawn almost {$3000.00}!!! 
4- failed to take autopsy out increased minimum due because of huge balance and then charged late fee 5- still opting is fixed 6- now negatively impacted my credit score All of this is ground for a lawsuit which I do plan to likely pursue as well but this all needs to be fixed, fees returned, XXXX fees reveresed and someone can reimburse me for all my wasted time and stress on this matter. 
I mean how are you even considered a reliable credit card company. 
These are HUGE ERRORS AND I MEAN HUGE!!!!!!!!!!
Product: Credit card or prepaid card

Back in XX/XX/2023 I applied and was approved for Apple Credit card and purchased two laptops for my children. Next day I went to XXXX and found the same laptops {$500.00} cheaper. I called Apple and asked for price match which they refuse and told me to return the products, which I did the following day. I have not received any communication from Goldman Sachs or Apple in the mail and on XX/XX/XXXX, I received an alert from my credit monitoring company regarding late payment on my credit report. I started to investigate and found {$120.00} balance on Apple card. I did not receive any statements or communication from Goldman Sachs or Apple regarding this and was completely shocked since I returned all what I purchased for full refund. 
I called the number on the credit report and spoke to the Goldman Sachs representative, who informed me that the balance due reflects daily cash/cash back that Goldman Sachs gave me for the purchase. I have never received anything from Goldman Sachs or Apple and never had the access to the cash back they are referring to or have knowledge about. I did not redeem anything and like all normal credit cards require did not approve any redemption. The account Goldman Sachs claims the cash was sent to, has never been setup and I do not use Apple wallet where the Goldman Sachs claims the cash will show up. 
On XX/XX/XXXX, I made a payment to pay the balance on the card which I do not owe to them and I have no access to the cash they referring to. Also, on the top of that, I have a late payment on my credit report that significantly affected my nearly perfect score. I contacted Goldman Sachs multiple times and spoke to many different supervisors and representatives and no-one is willing to do the right thing and remove this scam of my credit report and return my money.
Product: Mortgage

Freedom Mortgage purchased our mortgage from XXXX in XX/XX/2017. Per their paperwork all recurring payments to the previous holder of the mortgage would discontinue. Instead, XXXX has continued to withdraw funds via ACH from our bank, two of those payments were forwarded onto Freedom Mortgage and the rest of the funds are being held by XXXX. I have contacted Freedom by phone, e-mail, and now letter. They have never responded, and my mortgage continues to fall behind due to failure between XXXX and Freedom mortgage. My money is gone from my account, XXXX is the receiver of the funds, they say the do not have, and Freedom says they do not have the funds. I am working with the bank to stop the ACH withdrawal and to retrieve the funds if possible. In the mean time my mortgage is behind and our credit adversely affected.
Product: Debt collection

I have been trying to build my credit but the debt on my reports are keeping my credit score in a " poor '' state. So now I am trying to investigate all negative and false accounts on my reports and I see a deliquent account that I have no responsibility for. I never opened or authorized it and I don't know who did. This is a fraudulent account and I wish to dispute and have it removed as soon as possible. I want proof and records if original contracts or agreements used to open accounts. Addresses or identification used to open it. My identity was used without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a child support arrears balance that shows up on my experian credit report as a closed account and it is not closed. I make payments every week per the judges court order. It also shows up on my credut report as seriously past due date/assigned to an attorney, collection agency, or credit grantor & apos ; s internal collection department. It also said it is a term of 1 month. None of this is correct. I am ordered to pay an amount monthly by the court and I pay that amount monthly. This is not a loan and it has no term in reference to time. This doesn't even show that the balance is dropping because of weekly payments. It is a complete manipulation of the credit report system. I have asked experian to rectify this and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice, I requested a free credit report from Equifax under the Fair Credit Reporting Act, the last time on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, XX/XX/2020, XX/XX/2020. There was an error on their part. I was never 30 days late on dates mentioned above.
Product: Debt collection

Someone named " XXXX '' called a few days in a row. 
I called her back to be told they were hired to collect on a judgment for " XXXX XXXX '' to see if they could collect " before he attaches my wages. '' I asked her to send me proof of whatever judgment she is speaking of, proof that they were hired by this person, contact info of " XXXX XXXX '' and copy of XXXX license for XXXX. 
She told me, " This is not customer service, it 's debt collection. '' So I hung up. 
I received the enclosed letter after her phone calls. 
She did not send any of the info I asked for and the letter does not even list address, phone number etc. of creditor. 
I have had problems in the past with fake debt collectors attempting to extort money from me for judgments that do not exist and this may be another such place.
Product: Debt collection

As a consumer in California, I am petitioning the credit bureaus to remove negative student loan debt from my credit report. This request is grounded in several consumer protection laws that aim to ensure fair treatment of consumers and accurate reporting of credit information. 

Under the California Consumer Credit Reporting Agencies Act ( CCRAA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. Specifically, Section 1785.25 ( a ) states that a consumer reporting agency shall not furnish a consumer report containing any information that is known to be inaccurate. If my student loan debt has been reported inaccuratelywhether due to clerical errors, miscommunication with lenders, or other discrepanciesI have the right to request its removal.