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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Collection {$5800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection $ XXXX XXXX XXXX XXXX XXXX Collection {$0.00} XXXX XXXX Charge-off {$0.00} XXXX XXXX Charge-off {$0.00} XXXX XXXX Charge-off {$0.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!
Product: Mortgage

To Whom It May Concern. 
In XX/XX/XXXX I had XXXX and was out of work for 2 months. I became late on my mortgage payments and behind on my real estate taxes. I tried to keep up, because I want to keep my home. 
In XXXX XXXX, I had to cash out my retirement in order to become current on my mortgage payments through XXXX XXXX. I do not escrow my Real estate taxes, and was unable to pay them in XXXX, 0r XXXX Though I was saving my money to bring them current as well. 
In XXXX XXXX, when we went to pay the Real Estate Taxes at the XXXX County Treasury Office, we were told that the XXXX-XXXX taxes were paid, as well as started adding Impounds for XXXX. 
At the same time Nationstar Mortgage, has added an additional {$640.00} to my monthly mortgage payment, I have tried to make my original mortgage payments, and they are putting them into a suspense account and not applying to my monthly mortgage payments. 
On XXXX XXXX Nationstar refused to take my mortgage payments anymore. They wanted {$3600.00}, for XXXX, to come current. when I tried to make that payment they wanted {$6300.00}, and now it is at {$8900.00}. 
I do n't understand how they can do this to me. 
I have tried repeatedly to correct this and then they go ahead and add something else that I owe, Inspection fees etc.. I want to keep my home. 

Thank You XXXX XXXX. 
XXXX/XXXX/XXXX
Product: Mortgage

I was applying for a mortgage to purchase a property and found out that Synovus had improperly reported my payment history. My credit score went from XXXX to XXXX because of this. I am now unable to purchase property. In addition Synovus charged me {$1500.00} in late fees.

I called Synovus and requested that they correct the issues above. They determined ( letter attached ) that there was an error in reporting. ( Letter attached ) I have requested a letter to specifically state that there were no late payments and the request has been ignored. I also requested a refund of the late charges and that was ignored as well.

I have attached a copy of the credit report error as well as the mortgage statement showing the late charges.

Not only was I unable to purchase the property but interest rates have gone up and will cause significant increase in my monthly payments Synovus just ignores me hoping that the problem will go away if they ignore me long enough. I am hoping others will learn from this and stay away from Synovus at any cost.
Product: Credit reporting or other personal consumer reports

I was recently reviewing my credit profile and noticed multiple fraudulent hard inquiries. These inquiries are unfamiliar to me and I never given my personal information out for these inquiries and I never gave my consent/authorization for these inquiries. Below I will listen to fraudulent inquiries to be disputed. 

XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Services XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX via Dealer XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX  XXXX via Dealer XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to the credit bureaus in regards to inaccurate reporting from a collection agency. The bureaus keep verifying this information and refuse to do a thorough investigation. I have filed two complaints on portfolio recovery about this issue as well. Nobody is trying to investigate this companys inaccurate reporting. The bureaus are failing to do their job as well. I have sent in proof they are lying about the amount owed but nobody is doing their job. Someone needs to thoroughly investigate my request. They refuse to send me proper validation of this alleged debt after several attempts. If my credit report is reporting one amount and statements they send me say another how is that accurate? The fcra says they must report complete and accurate information in which they are not. The bureaus are not doing their job and neither are the collection agencies.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Misreporting of Installment Loan as Revolving Credit by XXXX Dear CFPB, I am writing to formally file a complaint regarding an account misclassification on my credit reports with XXXX, XXXX, and TransUnion. The account in question is an installment loan for a water system provided by XXXX, which is incorrectly reported as revolving credit. This misreporting is artificially inflating my credit utilization ratio and negatively impacting my credit score. 

Despite multiple attempts to address this issue directly with XXXX, the creditor has refused to reclassify the account and insists that it should remain reported as revolving credit. I believe this misclassification is a clear violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are failing to ensure maximum accuracy by misclassifying an installment loan as revolving credit. 
2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : XXXX has failed in its obligation to provide accurate information to credit reporting agencies.

In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that the credit reporting agencies correct this information within 30 days as required by law. Should this account remain inaccurate beyond this timeframe, I respectfully request that it be permanently removed from my credit reports due to its adverse and inaccurate impact on my credit standing. 

Additionally, I am aware of the CFPBs current legal actions against XXXX and XXXX for their failures to properly investigate consumer complaints, reinvestigate disputes, and ensure accuracy in credit reporting. This ongoing lawsuit reinforces the importance of addressing systemic issues within credit reporting practices. I urge the CFPB to thoroughly investigate this matter as part of its broader effort to hold credit reporting agencies and creditors accountable. 

I kindly request your assistance in ensuring the creditor and credit reporting agencies comply with their legal obligations under the FCRA. I look forward to your response and resolution of this issue. 

Thank you for your time and attention.
Product: Debt collection

Midland credit management sold my XXXX  XXXX debt to another company after I submitted the complaint with you just recieved the letter in the mail saying they sold the debt which I was disputing because they knew they lied and couldn't prove I owe this debt it should never been sold just deleted through all 3 credit bureau
Product: Mortgage

RE : loan number XXXX This letter is to dispute the credit bureau notification that occurred on our mortgage account in XXXX, XXXX for 180 days late and then again in XXXX, XXXX for 60 days late. We thought we were in forbearance and then learned we were denied the home modification but were told that we were still able to get into another resolution and paperwork was mailed out to us again for another option. However, we were unable to get into a workout solution until XX/XX/XXXX. Payments for XXXX, XXXX and XXXX we were under the impression that they were in forbearance and we came to learn they were not in XXXX and then were reported as late. Please consider our request to remove the negative credit reporting as we attempted over many months to make calls/inquiries to find another work out solution. We did not understand that this negative credit report was occurring as we were doing our best to reapply for another option. None of this would have happened, had we not been furloughed during the pandemic. I have been undergoing XXXX XXXX XXXX  and have tried my best to follow up on the documents, attempting to make regular calls to UWM to understand my options. Since our credit has plummeted after these reports, we are concerned for our financial future. When we disputed these reports with the individual credit bureaus the outcome notified us to contact UWM directly to discuss this situation. We are XXXX  XXXX  workers who were furloughed and thankfully we are working again but the impact of the negative credit reporting has been devastating.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit and get loans.
Product: Credit card or prepaid card

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX RE : Adverse Action To whom it may concern : I, the consumer and natural person, was denied credit by COMPANY NAME when I applied for a WHATEVER YOU APPLIED FOR. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by American Express due to the response I received. 

American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. 
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX XXXX XXXXa / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

I was rejected for housing due to incorrect credit information on trans union. 

These are some of the places that rejected my application. The dates were throughout the years, I dont specifically narrow that down I have moved a lot in my life : The XXXX at XXXX Place ( most recent 2022 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN REFUSES TO PAY PROTECTION AGAINST ID THEFT IN THE AMOUNT OF XXXX XXXX DOLLARS OR EVEN ACKNOWLEDGE MY COMMUNICATIONS. 

I HAVE TRIED TO COMMUNICATE WITH EXPERIAN TO OBTAIN THIS PAYMENT VIA EMAIL, MAIL AND FAX. 

I HAVE FILED POLICE REPORTS AND COMPLAINTS WITH CONSUMER AGENCIES INCLUDING THE XXXX
Product: Checking or savings account

I own an office building and had it rented. I deposited 3 rent checks of {$5100.00} on XX/XX/XXXX. On XX/XX/XXXX, all 3 checks bounced my account due to NSF. 

Thursday of last week, XX/XX/XXXX, I noticed that PNC was freezing my available balance and taking out {$5100.00}. I've not deposited any rent checks since XX/XX/XXXX when all 3 were NSF. 

Please see 14 pages showing my bank history since XX/XX/XXXX to current showing above statements to be true. 

I've spoken to the local branch manager, XXXX, and called their service #, yet, I'm told that they can do this. I believe if they are doing this, their bank must need strong audits because they sure have taken it from my account in XXXX XXXX, XXXX and now in XX/XX/XXXX taking it again. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account added to all 3 credit bureaus for an account I have no idea about. I have never received in letters or phone calls pertaining to this fraudulent account. It appeared on my credit reports XX/XX/2021. It says this SouthWest Credit System, collection account for XXXX XXXX XXXX was opened on XX/XX/2021. They are requesting a total of {$400.00} that I have no idea about. Again I have never opened account with this company nor do I owe them any amount of money. I don't have any bills or documentation from either of these company 's. I was never notified or contacted in any kind of way. I need to see dates, addresses, a record of all billing and my signature of signing an agreement or contract for XXXX XXXX XXXX. This fraudulent account is damaging all 3 of my credit reports and scores. I would like for this to be investigated and removed immediately. SouthWest can't just go around putting false information in collections on my credit reports when I have never even heard of them. 
XXXX XXXX XXXX doesn't even exist and hasn't been around in years. How do I owe a company I have never had service with or that is no longer in business. 
I can not upload any documentation because I have never received anything in writing, no phone calls or via email from XXXX XXXX XXXX or SouthWest Credit System.
Product: Debt collection

I sent a debt validation letter to this company on XXXX because I 've never received any communication prior to them listed this account on my credit report. As of today they verified this account with all three bureaus but still no communication or proof of this debt. There 's a few pieces of information that is. It matchkng up even beteeem the XXXX bureaus the information does n't match nor does the amount they are trying to collect on. I am being the responsible one here and this company is not cooperating. I have proof of my certified letters as well. This accountn eds tone deleted as soon as possible based on a FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX Chrysler Capital added a derogatory mark on my credit report per XXXX XXXX. Upon further investigation, I have retained new copies of my credit reports, and noticed that Chrysler Capital did not furnish the credit bureaus with the required disclosure, within the period required by law. Chrysler Capital is required by federal law to place a notice of dispute on my account within 30 days of my dispute, which Chrysler Capital signed for on XX/XX/XXXX XXXX. I have retained a copy of there signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that Chrysler Capital has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Debt collection

I am writing to request your help. I have a mortgage with Loancare ; account number XXXX, opened date XX/XX/XXXX. This company is reporting a late payment on my account and I want to explain why they are committing multiple violations to the FCRA by doing this. 

I have mortgages dating back to XXXX and I HAVE NEVER BEEN LATE. Back in XXXX, I processed the Loancare payment online and for any reason, their website indicated that the transaction was successful. I realized that the payment was not submitted until XXXX, when they called me. I have been told that they have a terrible website and I confirmed that on XXXX. 

They are being unreasonable because THEY NEVER HAD CALLED OR MAILED A NOTIFICATION until XXXX and nothing in XXXX when the payment was late. The FCRA requires any debt collector company to notify the consumer when a payment is due. 

Loancare is also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. The first time a live person called was XX/XX/XXXX after the payment was due, WE IMMEDIATELY PAID. 

This is a joint account, therefore, two people are being affected by this companys NEGLIGENCE and UNFAIR BUSINESS PRACTICES. We have a Pending mortgage for {$300000.00} because of this wrong information being reported. 

I am demanding a Deletion letter from Loancare. This inaccurate mark must be removed or corrected ; otherwise, I will not have another option but FILE A LAW SUIT for all the violations committed. 

Attached : Bank account as proof of that I had enough funds to pay.
Product: Credit reporting or other personal consumer reports

I filed a dispute concerning inaccurate information on my consumer report on XX/XX/2024 and provided the following evidence that it was furnished incorrectly without a proper investigation. According to the FCRA, the agency which is XXXX was supposed to validate the debt and credibility with my peers, friends, family and most trusted individuals that would have knowledge of the account in question. They did not do a accurate investigation and did not validate the account with the investigating agents information or creditors information. 

Therefore, Under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exist.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). Specifically, Experian has failed to properly review and process my dispute regarding inaccurate information on my credit report, as required by federal law. 

Details of the Issue : I identified several inaccurate accounts on my credit report and submitted a formal dispute to Experian, providing all required supporting documentation to demonstrate the errors. Experian did not conduct a reasonable investigation into my dispute as required by the FCRA. Instead, they failed to provide me with an adequate response and did not address the inaccuracies in my report. The inaccuracies in question are still present on my credit report despite my repeated efforts to resolve this matter. These accounts are : Account Name : XXXX  XXXX - Account Number XXXX Account Name : XXXX  XXXX - Account Number XXXX Account Name : XXXX  XXXX - Account Number XXXX Account Name : XXXX  XXXX XXXX  - Account Number XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX Account Name : XXXX  - Account Number XXXX Experian 's failure to comply with its obligations has caused significant harm to my credit profile and financial standing. This behavior constitutes a violation of federal law, including : The FCRA, which mandates that credit reporting agencies investigate disputes thoroughly and correct or delete inaccurate, incomplete, or unverifiable information. 
The CFPA, which protects consumers from unfair practices and obligates entities like Experian to handle disputes in a fair and responsible manner.
Product: Debt collection

I have been paying Phoenix Financial Services for over a year now in the amount of around {$500.00}. I will have to fully check my bank records. I have not had a payment out since XXXX. The agreement I had with Phoenix was XXXX XXXX  monthly. After not seeing a payment since then I started investigating online and realize that CFPB has taken action against them for fraudulent debt collection. I would like to know if my account has been one of those seeing as how the number and website for Phoenix Financial is now invalid. There was info on how to complain so that is what I am doing now.
Product: Checking or savings account

On XX/XX/XXXX someone opened up a Bank of America core checking account under my name fraudulently. The account was closed on XX/XX/XXXX and charged off XX/XX/XXXX in the sum of {$3400.00}. the account has been paid in full as of XX/XX/XXXX. It's for checking account ending in XXXX.

I filed a claim back in XXXX   and received a response from Bank of America stating that I needed to file a identity theft claim with them which I have. The claim number is XXXX. 
This is regarding case number XXXX I've tried to call the 800 number given to me in the letter from Bank of America and you can't get through is a non-working extension line. This seems to be consistent with others who have tried to contact them. I've attached the letter for your reference.
Product: Credit reporting or other personal consumer reports

I took notice to inaccurate information on this account from XXXX, victoria secret. 


The first inaccuracy is that the account numbers are reporting differently on XXXX, XXXX and XXXX. This is already grounds for removal pursuant to the fair credit reporting act. The FCRA says that everything must be maintained with 100 % accuracy however, both XXXX and XXXX are reporting the account number [ XXXX ] while XXXX XXXX reporting this account number [ XXXX ]. This is only one account and it can not have to completely different account numbers. You now clearly have reason to believe that the information reported is inaccurate. I also included a screen for further evidence.

The additional inaccuracy is that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report. 

Pursuant to 15 USC 1681b This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late.

I request that you mail me a copy of the complete consumer file that you maintain concerning me and this account after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the accounting records, the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).