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

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-XXXX ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( XXXX  ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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

I have found inaccurate information on my credit report. I disputed the item in question and it was not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX sent me a letter stating that. " The disputed item ( s ) was removed from your credit report. '' Credit went up 29 points. On XX/XX/XXXX XXXX sent letter stating account ( s ) belong to me. In the amount of {$470.00} from XXXX XXXX I first disputed in XX/XX/XXXX. I spoke with the company that I have NEVER been to New Jersey and I have proof around the time the account was open I was here in Georgia. Today XX/XX/XXXX my score dropped 7 points for false remarks from consumer which is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed account XXXX XXXX - XXXX not mine disputed multiple times XX/XX/XXXX and XX/XX/XXXX sent copy of police report and identify theft report # XXXX this is a collection agency I never gave hippa authority and this is not mine. Would like for equifax XXXX XXXX and XXXX  to remove this promptly. Also XXXX XXXX  is reporting inaccurate info this account is closed and never late Still reporting as open
Product: Debt collection

XXXX XXXX XXXX never mailed me anything to this account all I ever received was from a letter from XXXX XXXX saying it was been transferred to XXXX XXXX XXXX. 
XXXX XXXX XXXX never contacted me nor mailed a letter by law. I did not even have the right to dispute the debt that is on my credit report. 

XXXX XXXX bought this account back from XXXX XXXX XXXX This account does not belong to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX is reporting my credit card accounts wrong. The amounts owed are all wrong and need to be corrected. 

Also they need to remove old paid off accounts.
Product: Student loan

Information stopped showing up or being delivered to my mailing address, I found it is being sent to an old address with my private information and loan information. I can not get a live person from Navient on the phone to correct the issue or to even be able to pay them/set up a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. 

Experian claims that they have " verified '' the inaccurate account on my file when I have sent sufficient written proof that the item is no longer valid that was sent to me DIRECTLY from the debtor. They have refused to remove it and continue to say that it has been verified as accurate. They are willfully violating the FCRA and should be fined accordingly. 

I recommend the HIGHEST MAXIMUM FINE for this violating FCRA SECTION 616 & SECTION 617 to  Experian, and that the the unverified items be deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is showing closed when it is not closed and is still active.
Product: Debt collection

First of all, I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Now to the main problem, your company claims that I legally owe money to certain creditors. However, I am willing to pay under one condition- if you can provide the following : 1. Validation of the debt, that is, the actual accounting ; 2. Validation of a signed invoice ; and 3. A copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. Furthermore, I would like to dispute the following errors in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Mortgage

HI. I have been trying to get a loan modification from Wells, Fargo Home Mortgage. 
I am under a sheriff sale in less than 3 weeks ( XXXX/XXXX/2015 ). I have written to you about this and Wells, Fargo just leaves me a message that they are looking into it. 
I submitted all the information they wanted on XXXX/XXXX/2015 ( the day they told me it had to be in ). Then they sent me a letter that the information was to old a week later. My last letter from them was on XXXX XXXX, 2015 from XXXX XXXX, SVPand it states that they are looking into the inquiry from CFPB and I will have a result by XXXX XXXX, 2015. I have not heard anything from them. 
Please help! We live on XXXX. I ca n't sleep at night. 

Thank you, XXXX
Product: Debt collection

I was leasing a Ford vehicle when I went to purchase a vehicle from XXXX. When I returned the car, XXXX and I asked Ford how much was owed to close out the account. They provided us with an amount and XXXX wrote a check in full. I have now been notified that after the fact, Ford added a balance to my account for mileage and condition. I was never notified of this. I even called Ford and asked them to pay me for the tires on the car because they were brand new and under warranty. They never responded to this request. After XXXX XXXX XXXXXXXX took over the debt collection, I saw it on my XXXX account and disputed it. Now XXXX XXXX XXXX has also notified me that someone else was served my summons after I moved and they have been charging me interest. They are now garnishing my wages. I have asked them what proof Ford gave that they communicated this debt with me and they still have not provided me with anything. The only thing they are willing to give me is the documentation that Ford gave them, but never gave me. The tires on the car were {$900.00} and they TOLD me I would get them back, but then said they auctioned the car before they could. I was never compensated for this.
Product: Debt collection

This debt collector refuses to show a debt validation, and proof of debt owed with my signature. I never agreed upon a third party contract or anything with my information. I dont recall knowing about this debt or how it came about. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. Theyre abusing my rights and refusing to validate my debt. Their investigation still havent proved anything and they didnt show any documentation on the debt.
Product: Mortgage

Bank / Mortgage : Sun Trust now Truist ( after merger with original holder BB & T ) Client : XXXX XXXX XXXX Property : XXXX XXXX XXXX, XXXX NY XXXX Loan # : XXXX Subject : Conversion from non-escrow to escrow For over 12 months, I was notified in writing by both BB & T then SunTrust/Truist that if taxes were not paid then the mortgage company would automatically create an escrow, pay taxes and re-establish a new payment plan. 

I have been inquiring with SunTrust/Truist about this action item for an extended period of time. On every call, a Client Services rep would reiterate the process and tell me it would be put into motion. On multiple occasions, I was provided dates on when the Escrow Department would take action. Nothing ever happened. I also asked who I should direct the money that I saved for taxes. Every time, a SunTrust Client Services rep would tell me to hold payment to the municipality and wait to pay them when the escrow was established. As of today, XX/XX/2020, minimal action has been taken and we are now at risk of losing the house to public auction. 

Sun Trust/ Truist turned a simple request into a convoluted mess. Aside from being a victim to their poorly executed process, I am now pleading with the local municipality on how to keep my home. I'm asking for CFPB to intervene and help expedite the escrow process. The goal is to keep my home and not displace my family. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the report active is inaccurate, and date last reported is inaccurate. This ground for removal also violated my rights under.

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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Freedom Plus Personal Loan ( Achieve Personal Loan ) I made a payment on XX/XX/XXXX to cover the XX/XX/XXXX payment due. However the company did not make my payment effective until XX/XX/XXXX because they had a system that delayed pmt effective date by 2 business days. I believe the company has now changed the system and now payments are effective 1 business days after being made. I requested the company to reverse the negative reporting, it is unfair for a customer to be penalized for a bad processing or system. Making a payment and having it be effective 2 business days after is inefficient and customers shouldt have to suffer the consequences of that. This is the only negative reporting I have from this company in nearly 3 years of my account with them.
Product: Mortgage

I have received statements from Green Tree Servicing with conflicting account balances for the last 2 years. I have yet to get a correct statement from Green Tree Servicing. I have attached all of the documentation to prove that I have been making my payments and also that they have been calling my neighbors and informing them of the status of my loan.
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 XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 reportina agency mav make an consumer report containina an of the followina 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 ( AX1 ) A person shall not furnish anv information relating to a consumer to anv consumer reportina agencv if the person knows or has reasonable cause to belleve that the information is inaccurate.
Product: Credit card

On XXXX/XXXX/2016 I received a call from my tenant at XXXX XXXX XXXX XXXX indicating there was no heat in the home. As it was winter in XXXX and my tenant has XXXX children, I needed to get it addressed ASAP and my husband was out of town on business. I called a few places and was able to get XXXX to come out the next day. 
Communicated with tenant on XXXX/XXXX/2016 he was smelling gas from the water heater exhaust as the hole they cut for the filter was way too big. Tenant was very concerned for his family and their safety. 
I called American Express to dispute the charge and explain the situation. I was told by a representative NOT to contact the vendor, he would take care of that. I asked him a minimum of 2 times and he told me that I did not have to, and American Express would. 
As I understand the communication from XXXX, they have no records of any contact being made to them after installation and have not been given the opportunity to remedy the issue. I did n't contact them under the advisement of American Express. 

Since then I have been disputing these charges with American Express and they can not make the connection that I was acting on the direction of their representative. American Express now wants me to pay for the furnace as XXXX does not want it back and American Express will not take any responsibility. 

I have been a card member with them much of my adult life and am completely frustrated that they will not assist me and " back me up '' as they said they would.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX5 USC 1666b ( 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. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. As a consumer, I am entitled to accurate information under the Fair Credit Reporting Act ( FCRA ). However, XXXX has failed to fulfill its legal obligation to conduct a reasonable reinvestigation of disputed information, leaving inaccurate or unverifiable accounts unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Despite my previous attempts to resolve these inaccuracies, XXXX has neither corrected nor removed the disputed items.I request that XXXX promptly and thoroughly reinvestigate the disputed information in my credit report and provide me with a copy of the revised report. Please consider this letter as my formal complaint, and I expect a resolution in compliance with FCRA regulations.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Synchrony Bank regarding a closed CareCredit account that is being inaccurately reported across all three credit bureaus. The account is marked as charged off, but is still actively reporting new delinquent paymentsthis is a violation of FCRA 607 ( b ), 611 ( a ), and XXXX XXXX reporting standards. 

On XX/XX/2025, I mailed a formal legal dispute letter to Synchrony Bank demanding validation and correction of this account. In that letter, I cited their failure to ensure accurate and consistent data across XXXX XXXX and XXXX. To date, I have not received any evidence validating the account status or confirming they have investigated or corrected the account.

This reporting is inconsistent across bureaus, with contradictory status indicators including : Charged off Past due Closed with a balance still delinquent These conflicting statuses are legally noncompliant and are actively damaging my credit profile. A previous third-party credit repair company also attempted to address the issue on my behalf, but the problem was never resolved. I am now taking direct legal and regulatory action to correct this myself.

I am requesting that this account be either properly validated or permanently deleted from all credit bureaus in accordance with the FCRA and Synchronys legal obligations.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$500.00} through Paypal Credit to XXXX XXXX
Product: Debt collection

There is a debt from US BANK they claim that {$16000.00}. I have spoken to US Bank and to the lawfirm currently in charge of collecting it. I have not been formally served, but have looked at the court docket and noticed that there is a lawsuit filed on XX/XX/XXXX. When I found this out I was a bit surprised because this debt is very old. In fact, I called US BANK to confirm the date of last payment, which US BANK told me it was XX/XX/XXXX. This makes this a time-barred debt since the lawsuit was filed four months too late. According to the CA Code of Civil Procedure 337, there is a four year limit for filing a lawsuit to collect a debt based on a written agreement. This clock started on XX/XX/XXXX, which is the final payment that was made that preceded the delinquency that led to the charge off, or four years form the date the contract was broken.

I have advised US BANK about this, and also advised the lawfirm XXXX and XXXX about this, but they seem to have a total disregard of the law and are seeking to force me to file an answer on a debt I have not even been served on. I have been keeping an eye on the court docket and they claim they served me somehow, but I have not been formally served.
Product: Mortgage

On XX/XX/XXXX I received information from my bankruptcy attorney that XXXX XXXX claimed I did not pay my Mortgage for XXXX XXXX XXXX XXXX XXXX. Apparently my loan was transferred from Rushmore Mortgage to XXXX XXXX. I had already paid XXXX. 
I then I paid for XXXX and XXXX. They were late because there was confusion where to send the payment. 

All payments, from XXXX XXXX XXXX XXXX have been made. I had received a letter all payments for mortgage have been made to satisfy bankruptcy closure. 

Early XXXX, I received a call from XXXX XXXX, saying they were applying my XXXX payment to XXXX and I need to send in my XXXX payment, which I already did. I then sent them a copy on XX/XX/XXXX, of all the payments I made to the mortgage company from XX/XX/XXXX- XX/XX/XXXX. They send back a document dated XX/XX/XXXX, that the payment for XX/XX/XXXX was applied to XX/XX/XXXX payment. I had paid the XX/XX/XXXX mortgage. I then sent them a copy of all payments from XX/XX/XXXX- XX/XX/XXXX. Waiting for their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a contract with XXXX ( XXXX ) around XX/XX/XXXX. I didn't believe the service was effective so I called the following month to cancel it. I was informed that only the manager of the local branch could cancel it. I tried to get in contact with the manager at the closest branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) but kept being told that he was unavailable. I left several messages and attempted to contact them several times before finally reaching him in XXXX. He came out to my house for me to explain why I was dissatisfied with the service and verbally agreed to cancel it along with anything that may be outstanding. When he got back to his office, he sent me an email on XX/XX/XXXX stating : " Just to confirm, I have cancelled both the pest control and exclusion agreements as we discussed. Also the remaining balance of the monthly payment plan is in the process of being cancelled. Please disregard any statements you have received and save this email for your records. '' That was 3 years ago and on my 3 credit reports with XXXX, XXXX XXXX Experian it shows 1 or 2 late payments between XX/XX/XXXX & XX/XX/XXXX. I filed a dispute with all XXXX of the credit bureaus and sent a copy of the email from the local branch manager, and still it remains on all of my reports. I asked the bureau why, they said that the furnisher of the financing ( XXXX ) said that the information on my report was accurate. Clearly it's not.
Product: Credit card or prepaid card

Since I can not add any new notes to the issues with Bank of American : Bank of America called me in reference to XXXX, they proceeded to tell me in my voice mail to call XXXX and to put in extension XXXX. When you try to this the automated system asks you to enter - so you enter, it fails to recognize the numbers and then hangs up on you. To date I have been hung up on 10 times by these incompetent automated systems and personnel at Bank of America. This was attempted 3 times. This is BofA 's attempt to create bureaucracy and then they can " say '' they reached out to the customer to solve the problem when in fact their system does not allow a callback. 

Further when this fails it states on the recording to call XXXX and when you call that number they tell you that that has nothing to do with a credit card. 

Again this unworthy company should be shut down - and what they are doing should be considered fraudulent.