23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : Dispute of Charge-off/Collection Account I am writing to formally dispute the reporting of a charge-off/collection account under on my Experian credit report. I initially filed a dispute regarding this inaccurate information, yet no proper investigation was conducted. As a result, I am left with incorrect and damaging information on my credit report.

Furthermore, I have never received a Form 1099-C from Creditor, which should have been provided if the debt had indeed been canceled or written off, as required by law. This lack of documentation and transparency is deeply concerning, and I believe that Experian has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) by not investigating the matter appropriately. 

I am now aware that legal action is being taken against Experian regarding these very issues. Given this new development, I urge you to conduct a thorough review of my dispute and remove the inaccurate and unverifiable charge-off/collection account from my credit report immediately. 

Please confirm receipt of this letter and provide me with a resolution within 30 days as required by law. If you require any further information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a bank merger between XXXX XXXXXXXX XXXX and XXXX XXXX, during the transition period, my debit bank tied to my account did not process a payment to XXXX XXXX XXXX XXXX. As a result, my account has been reported as late. This is a complete error, there was sufficient funds in the account, the bank provided a letter of proof of funds but the credit reporting bureaus and XXXX XXXX has refused to correct the error. This type of error on my credit report ( s ) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for resolution for the inaccurate late payment that's being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Try too contact credit company to remove inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

There is some errors on my credit report Already contacted XXXX and sent them letters.along with a copy of my credit report, federaltradecommision report, police report, but they still refuse to correct my credit report. There is a name Address, birthdate, social security numbers, credit card account. 
I also already contacted Bank of America About the credit card, but they refuse to close the account. 
Also, I opened a IRA account with XXXX edge, a few months later they added that persons name and address to my account And have blocked my access to it. 
Contacted them on several occasions but all they tell me is that is under investigation.its being almost 3 months now! Im really concerned!!
Product: Credit reporting or other personal consumer reports

Ive Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. 
Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. 
While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. 
For Accounts : XXXX XXXX  Account XXXX Company Name : Discover In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED SEVERAL DISPUTES TO THE BUREAUS WITH NO CORRECTION OR ACCOUNT UPDATES. STARTING ON XX/XX/2021 AND EVERY MONTH SINCE THEN. I HAVE TAKEN TIME TO SUBMIT SEVERAL DISPUTES ON SEVERAL INACCURACIES ON MY REPORT WITH NO RESOLVE AND NO INVESTIGATION ON THE PART OF THE CREDIT BUREAU. BELOW I HAVE SUBMITTED SOME OF THE CHALLENGES I HAVE SUBMITTED BUT NOT ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive notified Experian via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. With each request, Experian only sent me a credit report stating that the accounts were verified. The FCRA says that Experian has to provide me with the information used to verify the account in question. FCRA says its required by law to verify through physical verification of the original signed consumer contract, any and all accounts thats listed on my credit report. Ive demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported. Experian has continuously ignored my requests & has continued to report the unverified negative information on my credit report. FCRA states that unverifiable accounts must be removed and if the company is unable to provide me a copy of verifiable proof, they must remove the account.
Product: Credit reporting or other personal consumer reports

Following the recent investigation, I disagree with your findings and seek complete accuracy. It appears the creditor reporting this information was not adequately contacted. I need more details about the following accounts : XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX  XXXX Balance Owed : {$5400.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}.
Product: Vehicle loan or lease

This complaint was previously submitted by my husband on my behalf. Toyota Financial 's response was to obfuscate and avoid the issue by saying that he wasn't authorized to act on my behalf. The issue remains without resolution and needs to be addressed.

Complaint Regarding Toyota Financial Services ( TFS ) and Collection for Personal Property Taxes ( PPT ) my husband and I have been trying to resolve an issue related to personal property taxes assessed on the lease of a XXXX XXXX XXXX. The lease has expired and the vehicle was returned without issue on XX/XX/XXXX. In early XXXX I received a bill from TFS for my share of property taxes for the 1st half of XXXX, listed as {$100.00}. I have no issue with the fact that some PPT is due, rather the issue is related to the amount and determining the appropriate calculation. Because I doubted the accuracy of the {$100.00} amount we called TFS to ask for a copy of the tax bill and an explanation of how the amount due was calculated. After going through the on hold period we opted for a callback which I got about 2 hours later. Unfortunately, the representative was unable to provide the specific information but he promised to have a copy of the tax bill mailed to us so that I could do my own calculations. What I received was another copy of the bill for {$100.00}. Today we called TFS at XXXX and opted for a callback after being informed there was a 1 hour and twenty minute hold time. I received a callback from XXXX at ( XXXX ) XXXX at XXXX. Unfortunately the call disconnected before any meaningful information was shared and I have yet to receive another callback ( its XXXX now ). Now this may seem like making a mountain out of a molehill but if TFS is arbitrarily billing customers for PPTs that are inflated and inaccurate they are unlawfully profiting from their customers. My husband called the county tax office and verified that the PPT on that vehicle for the 1st half of XXXX was {$190.00}. TFS was initially billed for the entire period but was sent a corrected prorated bill of {$83.00} based on a disposition date of XX/XX/XXXX. Because we returned the vehicle on XX/XX/XXXX, my calculation says that were responsible for {$58.00} ; certainly not {$100.00}. I dont want to make unfounded accusations but sending bills for XXXX without corroborating documentation showing the validity of the charges is a questionable practice. Add to that a customer service organization that is next to impossible to reach and very unhelpful when they are reached and you have a recipe for frustration that likely leads most customers to just pay up.
Product: Debt collection

I have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired. I would like this incorrect information to be removed from my credit report as soon as possible. I would also like all unjust communications tactics ( phone or/and mail ) which is in violation of the fair debt collection practices act to cease as soon as possible.
Product: Mortgage

I have been a client with Wells Fargo for over 10 years and never able to refinance my mortgage to a lower interest rate. The townhome was finance d in  XXXX  with  XXXX  mortgages. I 'm a single mother that was in an employment program with  Wells   Fargo  as o  XXXX   XXXX   XXXX   I attended their program with their career coach in   XXXX   XXXX   to   XXXX   XXXX   ; however, I was never able to secure employment from the suggested jobs making the same or nearly the same salary in the past. In the employment program, I agreed to their payment terms and all payments were drafted at the first of the month. However, the employment program ended in   XXXX   XXXX  , and I asked for a modification. The modification was denied.   In   XXXX   XXXX  , I requested the payoff from  XXXX   XXXX  ( home preservation specialists ) and notified the bank that the house would be listed for sale. I never heard anything else from my home preservation specialists.   On   XXXX   XXXX   XXXX   I received a certified letter from  Wells Fargo ' s attorney,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  in Georgia, that they were going to proceed with a foreclosure sale on my house on   XXXX   XXXX   XXXX  . I called and spoke with the representative at the attorney 's office, and they notified me to contact the bank since the house was only on the market for two months.     XXXX   XXXX  , I called the bank and spoke with  XXXX  representatives in collections to understand my options and why I was n't notified in adequate time. The  XXXX  representatives said the loan was in reentry. Therefore, the loan never got back to my home preservation specialists to notify me regarding the foreclosure.     XXXX   XXXX  , I requested a review to complete a short sale and requested for a  manager to call me back. The representative forwarded me to her voicemail and gave me her direct line since all managers were in a meeting.     XXXX   XXXX , my agent submitted a short sale cash purchase agreement to  Wells Fargo.     XXXX   XXXX , I never received a call from the  manager,  so I called back and spoke with  XXXX   XXXX . I notified  XXXX   XXXX   ( manager )  of my concerns and to verify the short sale purchase agreement was received by their company. She looked at the imaged files and found the agreement. She marked the file " active '' for the team to review my request. However, she stated that she did n't understand why the loan was sitting in reentry and never given back to the home preservation specialists (  XXXX   XXXX  ) to notify me of next steps.    XXXX   XXXX , I contacted the bank for follow up and spoke with several representatives,  XXXX  in short sales, Virginia in litigation,  XXXX  in collections, and  XXXX   XXXX   ( manager ). I  was told that the short sale was denied due to equity being in the home. In addition, it was too close to the foreclosure sale date of  XXXX   XXXX ,  XXXX . I was never given an appraisal to verify their statement. There have been  XXXX  views on this house, and we have only been able to secure  one  proposal purchase which is the short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage with XXXX XXXX was in forbearance & though they were not reporting late they kept upping the past due amount every month so my loan showed I owed more than the original loan & has tanked my credit. I spoke to them in XX/XX/XXXX about it & XX/XX/XXXX again & they said they would bring it to the attention of the department responsible. Spoke with them again XX/XX/XXXX & they said they were allowed to report the overdue amount in the balance as long as they dont say payments were late. They also showed that my account was in forbearance on all my credit reports. Credit companies said they could do nothing or change any of that reporting. This in turn has completely messed my credit report up & Ive ended up with reduced credit lines & higher interest rates. The reason showing is my loans are too high balances compared to the original amount & theyre over the limit amount. This is the ONLY problem on my accounts! Not to mention other problems Im having w XXXX XXXX holding my sons CD hostage during Covid. Now instead of modifying my mortgage to a lower rate/payment they have put me in a trial 3 month payment for {$200.00}. Less than the original mortgage amount but have told me nothing about what they will be doing with my mortgage & if I will have a lower interest rate & payment after or IF they will be modifying at all! I am XXXX & need help desperately!
Product: Checking or savings account

On XX/XX/2020 I attempted to withdrawal XXXX out of my account out of the drive through of Bbva compass and was pressured with questions where did I receive this large deposit from and I said its a sba loan and she persisted to ask me do I have a business and I stated yes you can check with my leader they wanted my application for the loan I contacted sba and they said the only thing I have to disclose to them is my disclosure of my loan because they are XXXX party by law I dont have to verify anything else with them. After I gave them the paperwork one lady called and started asking me a lot of questions and I felt attacked because I was just told I didnt have to tell them all of that my agreement is between me and my lender. I need access to my funds but my account is frozen. I have been reaching out to XXXX XXXX on my complaint with the teller but no help so far. I explained to her that I would be reaching out to you guys and that I contacted sba as well. My thing is the day before I got XXXX out and it was no problem I dont see why its a problem for me to use my own money. They where being prejudice and unprofessional during this entire situation I even complained with the company and this is not my first time going through this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I started an dispute online regarding ( inaccurate accounts and, Personal information ) On XX/XX/2023 I got an email stating my credit file was updated ( They stated everything was ( Accuracy ) I then looked at the updated report and once again it was ( inaccurate ) I sent off an letter on XX/XX/2023 Asking all three credit bureaus to " investigate every piece of information '' on the accounts and, Personal information I have listed below. Also I have attached the letter 's I sent out to all three credit bureaus. ( EXPERIAN rejected my letter two times stating that the person who sending the letter wasnt me. ) On XX/XX/2023 my letter was rejected On XX/XX/2023 I sent all credit bureaus an ( Notarized letter ). And here is the tracking numbers to all letter where send to the three credit bureaus tracking # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit repot showing the inaccuracies. 

ADDRESS IDENTIFICATION # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

NAME IDENTIFICATION # XXXX, XXXX ACCOUNTS : XXXX XXXXXXXX XXXX # XXXX. XXXX XXXX : XXXX. XXXX XXXX : XXXX. XXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Dealing with these three credit bureaus : XXXX, EXPERRIAN AND XXXX XXXX My health is not good these three company stop my live got me really depressed.
Product: Debt collection

COLLECTION CONSULT OF CAL is reporting a debt that I do n't owe and that account for XXXX XXXX was paid for. That debt was paid for I had insurance then. This is ID theft.
Product: Debt collection

the keep spoofing their phone number so I will get three calls back to back to back from GC services from different numbers, I asked them to stop calling me from different numbers and so frequently ... I would actually like to satisfy my debt but the aggressive way they reach out to me has deterred me from communicating with them
Product: Vehicle loan or lease

WELLS FARGO AUTO LOAN My XXXX XXXXXXXX XXXX XXXX XXXX was Charged Excessive Fees that I was not aware of GAP coverage for accidents etc. Several payments not applied correctly applied to the balance. Ridiculous Late Fees. 

I was NOT given any payment for Early Loan PAID OFF. 

I am requesting Reimbursement for ALL Monies Owed to Me. 

Sincerely Grateful
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 no remove or amend the disputed accounts, as Experian inactions violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Attempted to transfer funds from PNC Bank to XXXX through XXXX. 

XXXX  does not allow this connection.
Product: Bank account or service

Capital One Bank, despite several attempts by myself to formally place a change of address with them, has continued to issue new bank cards via mail to an old address no longer my place of residence. Despite my personally appearing at my local branch to change my address noted on my personal account, Capital One Bank recently sent via mail a new chip card for my personal checking account. My local branch manager states that this error is due to Capital One Bank card processing department. Either way, Capital One card processing and Capital One has jeopardized my personal financial identity security by releasing a new bank card to a residence I longer reside at. Their incompetence to update their data base with my new current address, which has been updated on the actual account has put me at risk for identity theft.
Product: Credit card

I reached out to the bank saying there were transactions in my statements I did not authorize nor anyone in my family did then either. They said they will open a case and investigate and after a month of waiting they said that they found out it was me who used the card. I dont have an account with the merchant nor do I know who they are or what they do and I did not authorize nor allowed anyone to use my card or create any accounts under my name! No one in my family has access to my card nor knows that company that charged me. My XXXX is always with me as well so theres no way anyone could had used ANY of my devices to do this purchase/transaction. 
I also dont have the old car in my possession, the bank gave me a new one. I thought I had it with me but I was unable to find it. 

Transactions : XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS. BLOCK AND REMOVE IT. 
XXXX XXXX XXXX USA, XXXX XXXX and XXXX XXXX XXXX  XXXX  INDIANAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is in direct violation of Fair Credit Reporting ACT 15 u.s.c 1681. This company needs to be held accountable for the violations which has impacted my life in the biggest way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy f my credit report where XXXX XXXX XXXX   continues to report and account past due however they agreed to a settlement with me and I have paid the account as we agreed however they continue to report the account as past due with a balance over {$600.00} dollars ... .I have send a copy of the settlement agreement to the credit bureau but each month continental reports the account as outstanding again This is a factual dispute as each credit bureau is reporting a different open date, date of last activity and payment history per the FCRA information should be Reporting the same on all bureaus Attached letter from XXXX XXXX / XXXX XXXX XXXX  for ID
Product: Credit reporting or other personal consumer reports

At this time I am receiving inappropriate and not accurate Credit reporting it's violating my 15.USC 1692C . I am requesting to be removed from reporting from agency call XXXX XXXX. It's quoting me at a very high rate. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

No acknowledgement of ever inquiring for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 3 months I have repeatedly contacted both Experian and XXXX about information on credit report. Still the information remained. Some of the items that I have paid have actually brought my credit score down which is unusual. I am just not believing what is happening. Also I recently applied for a loan Experian showed me a score of XXXX they showed my prospective creditor a score of XXXX. I know this because this creditor is someone I have done business with a long time and was good enough to tell me what the score was. This is I believe against the FCRA. I had to fight with all 3 credit bureau 's to get credit card information off my credit report. Even though Arkansas my state of residency has a law that says certain information cant stay on my credit report more than 5 years it is statute 4-3-118. Yet I still had to fight with all 3 bureau 's to get this information off my credit report and that is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital System has inaccurately aged a collection account they purchased from XXXX XXXX as new debt in an attempt to continue collection activities. Despite having disputed this information with credit reporting agencies and directly writing to Jefferson Capital ( with no response ) they refuse to provide any information to justify attempting to collect beyond the seven years from date of default with the ORIGINAL creditor, not seven years from when the collection agency purchased or has consigned the debt.