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

This started back in XX/XX/2020, I pull all of my credit reports to check the discrepancy on my accounts. out of all three reporting agencies. Equifax is the one showing delinquent and derogatory against credit cards that are closed or XXXX years old and should be off of my report. I have called them twice, and email 4 times, and regular mail explaining the situation with proof from the credit card companies. Each time I get a response back saying, they cleared it up or telling me they need more proof of who I am after I forward my driver license and birth records to them, the false information has cause major dilemma in my life. Its have caused me from getting my home. each time I write to then or calls they reduce my credit score. From XXXX XXXX XXXX. to the present. trying to get this taking care of. Would you please help.
Product: Credit card

On XX/XX/XXXX  a letter was sent to Synchrony Bank via USPS. The letter was formatted per and sited Fair Debt Collection Practices Act stated that the account is disputed and validation is requested. 

The letter made clear that it was NOT a letter of verification of mailing address or other information, but of validation per the FDCPA. Per that act, it informed Synchrony that they had 30-days from the date of the letter to respond, which they have failed to do. 

The letter also contained a formal request for DO NOT CALL or EMAIL, which Synchrony has abided by, which would indicate receipt of said letter.
Product: Checking or savings account

My name is XXXX XXXX XXXX, an United States XXXX XXXX, XXXX American Veteran, Social Security Number : XXXX XXXX XXXX. 
My Problem is with my Financial Institution, which is Called " Chime '' Chime give 's the Direct Deposit Early, or as soon as they get the Direct Deposit, from the Dept of Veteran 's, via the United States Treasury, that they Promote or Advertise this Policy, that they instantly Put this into your Chime Checking Account. 
When I didn't get my Direct Deposit, on XX/XX/XXXX, I Called the XXXX XXXX XXXX XXXX Number, which is the Dept of Veteran 's Affair 's, and they gave me the Payment ID # XXXX and told me that, they Sent XXXX Dollar 's to Chime on XX/XX/2022. 
The Dept of Veteran 's Affair 's also told me to Call Chime and give them the Payment ID # XXXX and they said that Chime has to give me, the Payment Date, with this Payment ID Number XXXX and when I called Chime they refused to give me a Payment Date and the Woman XXXX said, that she dose n't know why Chime is not Witholding my Direct Deposit. 
Now it's XX/XX/XXXX, and I still don't have my Money. 
Chime, is in Fraud and Perjury, because they advertise, that they Put the Direct Deposit into your Account as soon as they get it, which is a Lie of Perjury and Intentional Deception or Fraud. 
Chime, is holding the Money to get Interest Of the Money. 
If I don't get paid by Tomorrow, I can't Pay my Rent and I will be on the Street.
Product: Credit reporting or other personal consumer reports

Dear : CFPB Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section XXXX account I REVIEWED MY CONSUMER REPORTS AND NOTICED SEVERAL INACCURANCY ON MY ACCOUNT. THIS ACOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURANCY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 i disputed closed XXXX XXXX account that is currently open and paid on monthly XXXX XXXX XXXX.XXXXXXXX did conspire to report falsely that my credit account was closed damaging my credit causing public embarrassment and inability to use credit.
Product: Mortgage

My home loan was purchased by SPS Select Portfolio Servicing and my loan was modified during the pandemic to 3 % and was owned by XXXX XXXX. After the modification I paid my monthly mortgage payment of {$1500.00} every month. In XXXX of XXXX SPS Select Portfolio Servicing acquired my loan and I signed up for automatic withdraw from my bank account. XXXX, XXXX, XXXX and XXXX they deducted the agreed {$1500.00} for the principal and interest on my loan. Then in XXXX they sent me an inaccurate Escrow Analysis and without my permission deducted {$3300.00} from my bank account for the XXXX payment. 

I have already paid my XXXX taxes for the year and sent them proof multiple times that the taxes were paid. I mailed the receipt as well us uploaded the receipt to their system. 

They just sent me a new Escrow Analysis that is still not correct and states that they have to collect taxes for the XXXX XXXX payment which I have already paid. 

They also stated that if I don't send them the escrow fees then they will put a late charge on my credit file. They are trying to collect property taxes and I have already paid my property taxes for the year. I have also already paid my property insurance and I have sent them proof of both payments so there is no reason to send me an escrow bill or to try and demand escrow fees of an additional {$1800.00} a month for taxes and insurance that I have already paid and showed proof.
Product: Credit reporting or other personal consumer reports

I have contacted Penfed ( my current credit card company of over 8 years ) multiple time in the last few months at their customer care phone number. I did so because I no longer have a checking/ savings account with them but opted in to use an external account ( my outside bank ) to make a payment on my Penfed credit card. Each time I spoke to Penfeds reps, I was given a form to fill out which I did and returned. I then was walked through setting up the external payment online, which I did. I lastly was told that I needed to wait until two small deposits were made into my external account in order to verify it before I could use the external account to make a payment towards my Penfed credit card. Each time I called in to check on this, I was told it was pending. I got multiple calls from their payment collection team because I missed my payment due to this. Penfed allowed NO OTHER OPTION to make a payment towards my credit card since I did not have their checking/ savings. I also am not local to them to visit a branch. I requested a manager for callback multiple times which they never called me, only promised to have one call. THIS CAUSED A PAST DUE PAYEMENT record on my XXXX and XXXX credit report which dropped my credit score. I believe this was not in fault of my own, but a fault of Penfeds system as well as customer care reps who lacked the knowledge and care when I would call about this issue. I am demanding Penfed remove the past due record entry on my credit report or I will seek further legal action. They have all calls monitored and recorded from the countless times I called in regarding this issue as well as every time I brought it up when they called me about payments. 
Desired Outcome/Settlement Desired Settlement : Correction to a credit report - Removal of past due
Product: Credit reporting or other personal consumer reports

Company has been contacted by phone personally multiple times and refuses to place a freeze on my credit report. My credit score has taken a dive due to incorrect information and the transunion website was having errors when I attempted to freeze my report. 
They refuse to resolve the matter by phone
Product: Credit reporting or other personal consumer reports

Experian is reporting a bankruptcy that they know can not be verified as accurate. XXXX the vendor that Experian uses as already stated that they could not verify this information and have since deleted it from their database so how is Experian verifying information that is not correct.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

I have attached a copy of my credit report showing this supposed bankruptcy and as you can see, all three entries are XXXX  with Experian, XXXX, and XXXX. 
If the reporting information is accurate, how can all three bureaus have XXXX  information and even XXXX  filing dates? Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to XXXX about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items and inquiries or have Experian get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$4500.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$2700.00} US DEPT ED XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$9300.00} US DEPT ED XXXX Balance : {$4100.00} US DEPT ED XXXX Balance : {$5300.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$2700.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX OF Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Charged off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00} Charged off Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

The name on this mortgage is XXXX XXXX XXXX. XXXX, XXXX XXXX sent a registered security ( tracking # XXXX ) on XX/XX/XXXX to XXXX XXXX XXXX XXXX with instructionals to credit the account with the interest/dividend that was on the remittance coupon, also provided documention ( certified copy ) from the secretary of state showing that there are no liens under name and to provide a lien release XXXX from company showing that. Received a call from a XXXX XXXX on XX/XX/XXXX and mail on XX/XX/XXXX indicating that the loan was valid and that the documentation from the secretary of state showing no liens was not valid nor was it notarized.But the secretary of state is the highest notary and the document that I sent was straight from them in addition to him saying my form of payment was invalid and that it has to be U.S dollars but right on Wells fargo website it shows the form of payments that can be used to pay. On XX/XX/XXXX I mailed the full payoff balance with the coupon ( tracking # XXXX ), power of attorney, federal reserve act section 16 ( Notes issues ) and section 29 ( Civil Money Penalty ) with instructional ( opportunity to cure ) to CFO XXXX XXXX XXXX instructing to apply principal 's balance to the principal 's account and requested a response in writing within 5 business days for non-performance of fiduciary duties or respond back in writing when instructions are complete. I then got a response via phone on XX/XX/XXXX and mail on XX/XX/XXXX from XXXX XXXX and executive office case specialist indicating to call back but i requested a response from the CFO in writing not a case specialist.At this time the account has still yet to be credited. Then i mailed a notice of default on XX/XX/XXXX ( tracking # XXXX ) with the same instructionals to CFO XXXX XXXX XXXX to apply principal 's balance to the principal 's account and requested a response in writing within 5 business days for non-performance of fiduciary duties or respond back in writing when instructions are complete, with federal reserve act 16,29 and another full endorsed payoff bill. I then received another call on XX/XX/XXXX from XXXX XXXX with no remedy. This is a violation of securities and a breach of contract.i have reached out to the Office of the Comptroller of the Currency but they refered me to the CFPB.
Product: Debt collection

On Friday, XXXX XXXX 2017 I received a call as I was completing my work day and preparing to head home. The caller identified himself as XXXX from Systematic National. He stated the bill about which he was calling and, as I was not willing  in that moment to divert my attention to the call, I asked him to call me back another day. 

From that point on, XXXX proceeded to badger me about how often they had called before and got no answer, and how difficult it had been to reach me. When I attempted again to ask him to call me on another day, he interrupted me -- in an exceptionally belligerent tone, I might add -- saying, " I do n't think you really want to pay this bill. '' Perceiving his confrontational attitude, I began to state my intent not to argue with him, but XXXX interrupted me again : " I do n't think you really want to pay this bill. If you do n't want to pay the bill, XXXX XXXX, just say so, '' he huffed. Then he hung up. For clarity, I will repeat. XXXX CALLED ME, berated me in his stated belief that I did n't actually want to pay the bill about which he was calling, and then HE hung up on ME. 

So what was the point? And further, I do n't care how much money I owe whoever, rudeness and disrespect are never in order. I afforded XXXX the same respect and professionalism I expect for myself. If this company and this representative are unwilling to do likewise, I am formally requesting they not contact me again EVER.
Product: Credit card

From XXXX charges were made on my card from a fake company. The company claimed I did business with them but I never did. Totaling XXXX. I gave the police report about the identity theft, gave XXXX information, provided proof I didnt make the charges, and the bank didnt do anything about it. The company never investigated my case/claim and said Im responsible for the charges because they couldnt get the money back from visa or XXXX XXXX because the companies dont exist.
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 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for the unauthorized and inaccurate reporting of a collection account on my credit report. This account has been reported without my consent or proper validation, in clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Violation Unauthorized Reporting ( FCRA 15 U.S.C. 1681b ) : XXXX failed to obtain my explicit written consent to report this account. Reporting consumer information without permissible purpose is a direct violation of the FCRA.

Inaccurate and Misleading Information ( FCRA 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to ensure the maximum possible accuracy of reported information. The presence of this account, without validation, is inaccurate and misleading.

Failure to Validate the Debt ( FDCPA 15 U.S.C. 1692g ) : I have not been provided with adequate validation or itemization of the debt. Debt collectors are legally required to furnish proper documentation proving the validity of a debt upon request.

Prohibition of Misleading Practices ( FDCPA 15 U.S.C. 1692e ) : Reporting this account without proper validation or consent constitutes a deceptive and unfair practice under the FDCPA.

Failure to Investigate Disputes ( FCRA 15 U.S.C. 1681i ) : Despite disputing this account, no reasonable or timely investigation appears to have been conducted by the relevant credit reporting agencies or XXXX, as required by law. 

Impact of the Violation This accounts unauthorized and inaccurate reporting has significantly harmed my creditworthiness, resulting in a lower credit score and negatively affecting my ability to access credit and financial opportunities.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Student loan

I spoke with a handful of different representatives today ( XX/XX/18 ) at XXXX for over 30 minutes. They all passed me on to the next until I demanded to speak with a manager. I asked the women to consolidate my 7 separate loans and she said that was impossible because they have different disbursement dates, and to Navient it only shows up as one loan for me. However if I miss a payment, my credit score reflects it as seven late  payments. Therefore making it harder to bring up my credit score and  refinance my loan with another company. Basically they told me they couldn't help me lower my payment unless they spoke with my co-signer which when she tried to call they said they wouldn't help her because it was my account.
Product: Credit card or prepaid card

I am the consumer, original creditor and natural person. Synchrony Bank has denied my right to credit as I applied for a Sam 's Club credit card account on XX/XX/2021 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), Synchrony Bank violated federal law by denying my credit application. Synchrony Bank also discriminated against me pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, Synchrony Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.