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

I am writing to express my deep frustration and disappointment regarding the ongoing presence of fraudulent items on my credit file. Despite my previous attempts to resolve this matter, these fraudulent items have not been removed, and my disputes have been consistently ignored. The continued presence of these fraudulent entries on my credit report is causing severe distress and has significantly impacted my financial standing. This situation is unacceptable and must be addressed immediately. 

As required by the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and respond to disputes regarding the accuracy of information on credit reports. Your persistent failure to address these issues constitutes a blatant violation of my rights under the FCRA. I demand that you immediately escalate this matter and take all necessary steps to thoroughly investigate and remove the fraudulent items from my credit file without further delay. I also expect transparent communication regarding the progress made and the specific actions being taken to resolve these issues. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Balance {$360.00} XXXX XXXX  - XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX, XXXX XXXX XXXX : {$48.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Federal Reporting Act the creditor : XXXX XXXX XXXX and Sync/Amazon PLLC , has violated my rights under 15USC1681 section 602, wich states that I have the right to privacy. 15USC1681 section 604A section 2 also states that any consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment of a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into the credit reporting practices of XXXX and XXXX. After a thorough review of my credit reports, I have identified several inaccuracies related to the following accounts : XXXX XXXX XXXX XXXX XXXX  : Account Number XXXX Upon review, I noticed that critical information such as the open date, the date last active, and the date of last payment are inconsistently reported across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report.

Furthermore, I have identified additional discrepancies that I believe warrant immediate correction : Charge-Off Balance Reporting : One of my accounts, listed as a charge-off, is still showing a balance even though it was sold to a debt collector. This is inaccurate reporting, as the original creditor no longer owns the debt. The balance should be listed as XXXX, particularly since I have not received a Form 1099-C for cancellation of debt income, which is required for tax purposes when a debt is canceled.

1099-C Reporting Issue : In my communications with XXXX, XXXX was informed that I would receive a 1099-C when the statute of limitations expires. However, if the creditor has already reduced their tax burden by reporting the charge-off to the IRS, I should have received a 1099-C to include in my 2023 tax filings. The fact that I have not received this form raises serious questions about the accuracy and legality of the continued balance reporting on my credit report.

Given the discrepancies and the potential legal ramifications under the FCRA, I respectfully request that the CFPB conduct a thorough investigation into XXXX and XXXX 's reporting practices regarding these accounts. I urge you to ensure that all inaccuracies are corrected, including the removal of any improperly reported balances on charged-off accounts. 

I trust that the CFPB will take swift action to uphold the integrity of the credit reporting system and to protect consumers like myself from the damaging effects of inaccurate credit reporting. 

Thank you for your attention to this urgent matter. I look forward to your response and to the prompt resolution of these issues.
Product: Debt collection

received letter from GC Services Limited Partnership XXXX XXXX  XXXX XXXX TX XXXX about an alleged debt Over due balance with XXXX for {$250.00} on or about XXXX  XXXX 2020. I contacted both XXXX and there credit card carrier and verified that no debt was owed.So they are making up this information. An internet search shows records of various other attempts to collect something that it not owed.Sending them a letter to inform them this debt is not owed and not to contact ( a drop dead Letter )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX to dispute and the two accounts that appear all three of my credit reports ; Experian, XXXX, and XXXX. I requested a copy of proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received a letter from them on XX/XX/19 stating that " XXXX XXXX XXXX is the original creditor and not obligated to provide the documentation requested ''. This is a violation of the ( FCPDA ). Please see below information along with my attachments. 

The partial account number is XXXX Reporting amount {$870.00} The partial account number is XXXX Reporting amount {$490.00} Social Security # XXXX-XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed here were reported on my credit report without any authorization, review dentity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XX/XX/XXXXAccount XXXX : XXXX This is not mine. 

4. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

5. Identity Theft XX/XX/XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XX/XX/XXXXXXXX Account XXXX : XXXX This is not mine.
Product: Credit card or prepaid card

Capital One denied my application for a credit card XX/XX/2022 and sent me an adverse action letter. The reason on the letter States " Based on your application information, there are too many delinquent past or present Capital One credit obligations. I've reached out to them and told them according to 15 U.S.C 1681a ( k ) ( 1 ) they can not deny my an extension of credit based on an unfavorable report.
Product: Mortgage

I lost one of my main job that brings me good income and that has affected my income so I missed 2 payments of my mortgage and I got a letter from my mortgage company
Product: Mortgage

Through this website, I've complained before on the same issue in XX/XX/2024. Thanks to CFPB, Fay servicing was compelled to respond and admitted that they neither have an executed Loan agreement nor do they have any paperwork relating to {$17000.00} deferment amount which is what they are demanding from me. I have always maintained that I paid off XXXX ( the company that transferred this loan amount to Fay with no paperwork ) in full. I have wire transfer ( or XXXX payments ) to XXXX during the period of XXXX to XXXX to show that I paid over $ XXXX. I don't believe I owe anything to Fay. They don't have any documents proving that there is a previous agreement. Furthermore, they have unfairly reported me to credit bureaus as late payment which has significantly reduced my credit score. I've even offered {$5000.00} on the advice of a lawyer to settle this issue. But ther has been no formal reponse. Now, I'm talking to their appointed attorney. I emailed him. But I still have no response. I have left countless message to their supervisor XXXX XXXX who promised me a response. He never called. It's been over a month. My representative XXXX XXXX never picks up her phone or calls back. I'm scared that Fay Servicing might be a scam.
Product: Debt collection

After many years of avoiding this debt collector, I gave in and called Portfolio Recovery Associates LLC with the intention of attempting to settle my debt THAT day ( XXXX/XXXX/2017 ). My original debt was through XXXX for a total of {$420.00}, and after speaking with several different representatives, we agreed on a settlement {$270.00}, which was paid for during the time of the call. I asked three times, for the sole purpose of confirmation, if this was actually going to close the account and I was told each time that it would. I finished off the call with a manager who gave me a Plan ID, but also told me that if I didnt want the number, Id never need it anyway, which was suspicious. I was also told that Id receive a letter stating that the debt was paid and full within a 10 days. I didnt.
The call struck me as being odd because for their recording purposes, they kept making me repeat the same answers that I very clearly already stated. In hindsight, Im now pretty positive that the recording was being manipulated.
Now I am alerted that they did not close my account and that I still owe {$150.00}. I went to Portfolio Recoverys website so I could confirm this alert and when I looked at my account, it, too, stated that I still owed XXXX.
I know they will continue to lie to me and manipulate any statement I make because thats what debt collectors do, so I refuse to trust them again and I will not attempt to handle this matter on my own again.
Its sad to know that I was better off just ignoring them. So much for trying to be responsible.
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 XXXX. 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! 

15 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 XXXX  days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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, credit repair services, or other personal consumer reports

The late payments reflected on XXXX XXXX XXXX XXXX is not correct, I was not late on the month shown on the credit report, re investigate it and fix the accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted documentation this was not my account. Asked for supporting documents that can prove this is my debt. XXXX XXXX XXXX collect for a company called XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
{$610.00} Balance updated XX/XX/2021 This account does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian more than 10 times concerning XXXX  information on my consumer report and inquiries that I did not give written permission to be performed. I have requested that they respond by mail and they have not done so. They have violated me according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681q. Obtaining information under false pretenses.
Product: Consumer Loan

On Monday I sent a email to the CEO of Capital One asking for a goodwill forgiveness on my auto loan for a late payments being reported to the credit bureaus since I had suffer a financial hardship for a short period. The next day I was contacted by a gentleman by the name of XXXX he was following up with my email he stated he would do everything in his power but would n't make any promises to get this taken care of. Well today i receive a call from a woman calling from a unknown number. i answered it she said she was calling from capital one doing a followup call on my request she then begins to state to me that they do n't have a goodwill program and that i basically need to deal with the late payments being on credit and continue to pay extra on my car loan every month. I just do n't understand if that was n't something they did n't do why would the first person give me false hopes?
Product: Credit card

I applied for one way financial XXXX XXXX XXXX to help build my credit up, I was approved and they sent out a card to the address provided but the card never made it to the mailbox. I have notifications from XXXX  to tell me what to expect in the mail and didn't get that notification. I got notifications from a text asking if I was trying to withdrawal money from a XXXX around XXXX XXXX. I was still sleeping and when I woke up I had several notifications about withdrawing money from multiple sources. I was confused because I hadn't even received the card at all. So I called the one main financial to report the discrepancies and they said they couldn't find my information that I provided because it had change to a different email and phone number than my own. They provided an email and instructed me what to include in the email, address. i.d . phone number and pictures of the transactions and emails saying my password had been requested to be changed. But I hadn't requested that either. No one from the agency was responding to the email and they also wouldn't help me any further on the customer services via phone. I'm am currently getting harassment text and letters saying it's going to go to collection. I found this odd because a first payment hasn't even been due a week for a card that was applied for in XXXX.
Product: Credit card or prepaid card

I recently signed up with Synchrony Bank thru a zero interest promotion when purchasing replacement windows. When I applied for the line of credit, there was no mention or documentation that was provided to me about a {$29.00} activation charge for the account. Upon receiving the actual credit card and T & Cs and the first bill I noticed the activation charge. 

I have reached out to Synchrony Bank to have the fee removed on XX/XX/2020 at XXXX. 

I received a response on XX/XX/2020 at XXXX from XXXX XXXX declining the request as this is a common business practice on account activations by Synchrony Bank . 

I replied on XX/XX/2020 at XXXX that I currently have another open account with Synchrony Bank that was opened without any activation fee. I also advised I have had Numerous accounts Over the years and not once was I charged an activation fee. I also reminded them that this activation fee was not disclosed at time of signing up for the account and this type of activity by Synchrony Bank could be viewed as cramming. I once again requested a refund for the charge. 

I received a reply on XX/XX/2020 at XXXX from XXXX XXXX once again declining the request as this is common practice on account activations by Synchrony Bank . 

I replied on XX/XX/2020 at XXXX once again explaining my stance and if I did not receive a refund within 5 business days I would be reporting this fraudulent business practice. 

I received a reply on XX/XX/2020 at XXXX by XXXX XXXX explaining that due to the nature of my inquiry, they had escalated my request to their corporate offices for handling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file disputes with exuifax XXXX and XXXX and hitting rock bottom with all 3 like talking to brick wall and credit scores should be in middle XXXX 's not low XXXX never missed any payments and im tired. Of being treated like little child and i refuse to accept a loan from subprime lenders im not Donald Trump and im not made of money credit bureau dont want do anything dispute the errors on my report and refuse to remove hard inquiries i dont recognize i feel i have no choice but contact you i dont know what else to do
Product: Credit card

I have been with my credit card company Sears for over 20 years.I recently have been having fraud against my account Sears dispute process credited money back to my account then reversed the credits?? I called and complained they canceled my card and refused to send me another one.This happened on Sat XXXX XXXX they said XXXX would be next day aired to me because I needed it asap it never showed up.I called them today XXXX XXXX and they were extremely nasty and rude and were charging me interest on fraudulent charges after a partial credit was given.That was the last time I said i would do business with them and they were disregarding a very important matter and a long time customer.
Product: Checking or savings account

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I disputed an account that was never mine for a closed account created XX/XX/XXXX. It shows it was never late and the original balance was {$1900.00}, the highest balance was {$1700.00} rand this is on record until XX/XX/XXXX. The credit company wrote back in 48 hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed an account that was never mine for an account that was never used. It was opened XX/XX/XXXX with a 0 monthly payment with an original balance of $ XXXX shows it will be on record until XXXX XXXX credit company wrote back in 48 hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed an account that was never mine that was opened and is now closed XX/XX/XXXX. The current balance is {$1400.00}. The credit company wrote back in 48 hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed late payments on my account owing {$2700.00}. It shows late XXXX, XXXX, XXXX and Ive never been late. The credit company wrote back in 24 hours saying they found this to be correct without actually investigating this. This is not correct and want this removed. 

XX/XX/XXXX I disputed several names, addressees, employers, phone numbers and co applicants that aren't linked to me ever in my life and the credit company wont remove.

2 hard inquires are not mine and credit company wont remove
Product: Mortgage

In XXXX I contacted my mortgage company to start the modification process they had all of the required paperwork by XXXX. I had requested calls several times nothing!! Eventually I got my modification papers in XXXX sent them back in XXXX and got a call in XXXX stating it was missing a signature. It wasnt everything was marked. 
They re sent them out got them in XXXX sent them back again they are now claiming they never got them however we have the tracking number and employee name who received them. No one will call me back or email or anything for that matter!! 
No one is even working in an office!!!
Product: Credit reporting or other personal consumer reports

CFPB complaint XXXX u asked for my sensitive personal id. I hope u treat the fraudulent corporation with said invasive sensitive proof demanded of me the victim of their financial crimes!. U sent me a link in an email to upload my ss card my Gov is and a bill. Then u wanted me to tell u my address for 2 yrs my dob and ss number. I did that multiple times for an hour. Your site is BROKEN and wont let me upload docs. Im complying with your request here. 
I have lived here for 24 years and the other info is on the documents u demanded from me or else u wont consider my complaint. Unfair. 
Make the XXXX  prove they paid ins from XX/XX/XXXXXXXX  to XXXX. Make the XXXX  prove they delivered 2 legally required completed cancel docs at execution with proper dates and address of property. Neither can be proved without their fraud. The address is wrong and includes the house across the street! Dates wrong. 2 legally compliant cancel docs are required to be delivered to borrower and they still have not done so!!! It never happened. XXXX removed the loan completely as should you. You have willingly and intentionally ignored my proof of escrow cancelation, multiple times, my proof of ins payment, my proof of their written promises to cancel this loan and remove from credit bureaus. U ignore my evidence intentionally and recklessly and to my harm. I have been forced to sue for inaccurate credit reporting. U dont care. U ALWAYS side with little to no evidence from the corporations here. That system is unfair and broken. There is overwhelming proof the debt was paid and u ignore me and side with a corporate non of the head absent ANY proof. Thats just wrong and harmful. 

All money was returned to XXXX  per loan terms in check XXXX less damages to me. Thousands of dollars more than I got in loan proceeds were missused to make up payments for the canceled loan. XXXX has removed the loan. XXXX XXXX has no record of the loan. But u dont care. U only side with a comment from a corporate employee and continue to cause me sever emotional distress intentionally or and negligently. Prove the ins was paid. Prove the lender delivered 2 cancel docs required by law EVER!!! I still have three days to cancel and I did and u know it and just disregard my rights and interest recklessly and cruelly. 
U are cruel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have the late payments removed from my credit report for the year XXXX during COVID. I was granted a payment extension and I Specifically asked would it effect my credit report. I was informed by the representative that the credit report would not be effected because the program will keep my account current. Exeter lied about that and reported the late to my credit report for XX/XX/XXXX and XX/XX/XXXX. The other late payments from the year XXXX were from when I was in a car accident and couldn't work for months. Exeter agreed to have this escalated and has yet to research pr resolve either one of these issues. I have attached copy of initial claim submitted in reference to my car accident