23daVinci/CFPB_Complaints huggingface dataset:
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 have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inactions violated federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX card thru TD BANK fraudulent charges by XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX This vendor provided fraudulent documentation to TD bank, which I have copies, to justify these purchases. These docs include fraudulent USPS delivery notices, and deliveries prior to order date. 
clear signs of criminal activity.
Product: Money transfer, virtual currency, or money service

I made an attempt to deposit my XXXX of California XXXX check through my $ XXXX cash app. To facilitate the mobile deposit process with Cash App, they require the inclusion of " cash app deposit '' beneath the signature. By endorsing it to Cash App, I authorized them to cash the check. However, they rejected the deposit, citing an issue with the endorsement. I followed their instructions by signing the check and including the necessary information, but they failed to provide an explanation regarding the specific problem with the endorsement. Consequently, they advised me to take it to another financial institution. However, endorsing it to Cash App prevents me from doing so, as it is already endorsed specifically to them. This leaves me in a predicament where Cash App 's requirement to endorse the check to them is, in effect, rendering it impossible for me to seek an alternative solution elsewhere. I find this situation unreasonable on the part of Cash App.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently started my credit and dont know what this hard inquiry is from.
Product: Debt collection

Velocity Investments , LLC is trying to fraudulently collect a debt because I do not have an agreement with them.
Product: Mortgage

I have tried to have SN Servicing Corporation to send me statements for my mortgage they have not done that I have also requested them to explain to me why are you stating my loan is a conventional loan when I have never done a modification on my loan the mortgage was a FHA loan when i first signed my loan back in 2015 I have requested that any payments misapplied to the principal be applied towards the passed due payments. I have also requested for my now wife to be added to the mortgage and that still has not been completed. This lender has only sent me payment history from my prior lenders but has not been able to help me with providing me with accurate numbers. 

My letters have been mailed out too SN Servicing Corporation XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incorrect and derogatory information reported on my consumer credit report by XXXX and the lack of response by all three credit reporting companies in clearing this matter. This issue pertains to student loan account XXXX, which inaccurately shows a balance due of {$3800.00}. This loan has been paid in full, and the balance must be corrected to reflect {$0.00}. 

This misinformation is harming my credit report and, as a result, my financial standing. The loan was fully satisfied on XX/XX/year>, and I have attached the necessary documentation to prove this, which includes : - A copy of the final payment receipt showing that {$3800.00} was applied to the principal and interest on XX/XX/year>. 
- An account statement confirming a XXXX balance.
Product: Mortgage

My escrow continues to be short for paying my taxes and my mortgage payments continue to increase as l have to pay off the escrow shortage over the next following year. This has happened every year since l 've bought the house in XXXX. In both XXXX and XXXX l have asked them to review my account to ensure my escrow will cover my taxes. It's an ongoing issue.
Product: Credit reporting or other personal consumer reports

I sent again a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$650.00} XXXX XXXX XXXX  XXXX Balance : {$22000.00}
Product: Debt collection

We have requested to pay the debt of the home I am on the deed for. I'd like them to to release lien, and accept payment - Sent 3 times. First check {$21000.00}, SLS cashed XX/XX/2023. Second check for {$28000.00} they returned. Then we sent {$30000.00} cashiers check XX/XX/2023 but will not accept the signature for the certified delivery. SLS has put up a foreclosure notice. They have taken the {$21000.00}, won't accept the final XXXX payment, still informing us they will foreclosure our home, and collecting an estimated {$220.00} per day in " fees. '' We just want to pay off our home and for them to release the lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Card Service & XXXX  XXXX are reporting a negative balance on my credit but this debt was included in my DISCHARGED Chapter XXXX Bankruptcy - XXXX docket. 
By law they are not to continue to damage credit and attempt collection of debt after a discharged bankruptcy.
Product: Credit reporting

This is not my account. 
I sent registered letters to all parties involved and never received a response. 
I had to send XXXX letters to finally get a boiler plate letter stating, there were no changes made
Product: Credit card

Bank accepts word of creditors that something is a recurring payment, ie auto renewal at end of purchase term. They do not confirm with me if that is correct. 
After the subscription ends, they charge my card again. When I try to stop the payment the bank refuses. They say I need to contact the vendor. This has happened to me more than once! The vendor will not reverse the charge but might cancel for the next period but I am stuck paying for something I no longer wanted! 
This just happened again with an e-card company that I hardly used and forgot I even had. Then suddenly my card was charged {$50.00} to renew for another year! ( I had sent maybe XXXX or XXXX cards in the beginning but the recipients never got them! ) I called Citibank after trying to stop payment online. But in the past when I filed a despute the charge claim it was rejected as not a true dispute! I tried contacting the company but nothing ever happens. Some have no phone, only email which they ignored. I then asked the bank to give me a list of recurring charges attached to my account so I could possibly stop them before I was charged again. The bank refused to give me this information. So, even though I never authorized or tried to end the agreement, as the case may be, the bank will charge me again and once its charged will not stop payment on! So, I keep getting these surprise charges which I can not afford and have no way to avoid them until I have paid at least one renewal since I dont even know the renewal is in place! 
I would also like the bank to check with me to CONFIRM my agreement for these recurring charges not just accept the word of the business! If they can not reach me for confirmation, they should not be allowed to accept it.
Product: Debt collection

I was admitted to XXXX XXXX XXXX XXXX in XXXX, IL. They provided a grant which paid for the length of my stay including doctors visits and test as well as room and board, but individual doctors have sent arbitrary amounts to collection agencies. I now owe {$2500.00} in medical bills I was unaware of. The culprits XXXX XXXX XXXX XXXX, {$210.00} ; XXXX XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXXConsent to publish the description of what happened? 
Consent providedWhat do you think would be a fair resolution to your issue? 

I think these companies should have given me an opportunity to make payments such as the XXXX companies. The docotors listed are clearly engaged in predatory billing practices when XXXX XXXX XXXX awarded me a grant for the stay XXXX. I want my credit restored it is all medical bills and every single company listed will not work with me, nor settle on terms. I need a help I am a struggling student with only medical debt, and I can not take out any loans to complete my education without these taken off my report. I ahve not been reckless and I have not lived beyond my means. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

This car was NEVER repossessed. This car was totaled XX/XX/scrub>/2022. They placed it on my credit report as a repossession when it was a total loss. The information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled either insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a letter from Ally Bank Lease Trust advising that after initially approving our auto lease on Sunday, XX/XX/XXXX they are choosing to deny the financing due to additional credit information later pulled from a company called XXXX XXXX XXXX. My credit score based on XXXX  was XXXX and according to XXXX was XXXX. The most unacceptable and I find that has to be unlawful toward consumers is retracting a loan weeks after approval based on a credit report that I did not authorize. Along with that at this point a month out from initial loan inquiry my credit score has dipped due to new debt this auto loan created and multiple credit inquiry hits. I have also paid fees to the dealership that can not be refunded. As a consumer I find it has to be illegal to perform these reports after initially approving loan. Should I have to return the vehicle or seek out alternative financing now I will not qualify for rates I would have a month ago. This has put me in a financial situation that should never been acceptable. If they wish to use XXXX XXXX then they should be pulling this information at the dealerships along with 3 major scores. We signed a contract and it was approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still on my Experian credit report even though I provide a police report about fraudulent activity. Experian refuses to remove even though other credit bureaus have already removed and protecting my file Experian refuses to assist in removing and providing assistance.
Product: Debt collection

In XX/XX/XXXX I received a letter from Aargon Collection Agency stating that I owed {$170.00} to XXXX XXXX XXXX. The letter is dated XX/XX/XXXX, and has an " XXXX Account '' number listed. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone to inquire about this debt and was told not only that I have NO outstanding balances ( {$0.00} ), but also that they have never referred ANY medical debt in my name to Aargon Collection Agency. I then called Aargon Collection Agency, the letter listed a number to call as ( XXXX ) XXXX ext. XXXX. I spoke to the representative and was told that I owe this amount, and that they are unable to contact XXXX XXXX XXXX since they had already made a decision that I owe the money, and that I must pay. I do not owe this money, as was confirmed by XXXX XXXX XXXX when I spoke to them today. XXXX is trying to extort money from me, an elderly person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX via USPS certified mail to dispute a few inaccurate collections on my credit report. I received a copy of my credit report and found the following item ( s ) to be in error. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$940.00} These are not my hospital bills. Please remove. 
I never received a response or investigation from Equifax into my dispute of these fraudulent medical bills on my report. I contacted Equifax a 2nd time on XX/XX/XXXX via certified mail and still have not heard from the company.
Product: Debt collection

I have no knowledge of this debt and the collection agency has not been able to provide an original contract or documentation this debt is mine.
Product: Credit reporting or other personal consumer reports

I was completely stunned to discover inaccurate accounts on my credit report this morning, with no explanation as to why theyre there. I check my credit report regularly, and this time, these discrepancies just appeared out of nowhere. I even tried refreshing my browser, thinking it might be a technical error, but the accounts didnt disappear. Because of this, Im requesting that the documents Ive submitted be thoroughly reviewed so I can stop worrying about this issue.
Product: Debt collection

I have written several certified letters To ( Ability Recovery ) requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. which they claim ( I owe them {$1600.00} ) Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Credit card or prepaid card

This account is fraud i try to fix but they say the account is mine..
Product: Vehicle loan or lease

Car Loan for XXXX XXXX XXXX XXXX vin # XXXX with KEY BANK Loan # XXXX was paid in full after we moved from XXXX XXXX to XXXX  We have requested the title but KEY BANK is saying they sent it to our old address and don't have it saying it's not their responsibility. 
We just received a lien termination letter which is no a TITLE. 
Without a title we can not register the car. 
Without a title, we can not sell or trade the car. 
We paid off the car in good faith and the bank lost the Title and is saying it's not their responsibility.
Product: Credit reporting or other personal consumer reports

Transunion has failed to send me the proper licensing, title, bond, and original contract to verify a debt they are stating that I have. I am not liable for this debt of {$2400.00} with XXXX XXXX XXXX Account number XXXX. I do not have an account with XXXX, I have reached out to Transunion to verify the debt from XXXX  and they did not provide me with an original contract with a wet signature and I.D . verification. Nor did they provide me with a copy of the original licensing title and bond from XXXX back dated to XXXX of XXXX  which is the date this item was added to my Transunion credit profile stating they have legal authority to collect on a debt in the state of Texas. 



I have attached proof that this company XXXX is not properly licensed or bonded to collect on this debt and I am requesting that it is immediately removed from my Transunion profile!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure why i keep getting the same parrot information from the EXPERIAN, XXXX, AND XXXX that they've verified the public records BK CHAPTER XXXX shown on my credit report. My questions are : What happened to the new and relevant information I sent to those companies, which proved this bankruptcy is inaccurate? Did they pass these information on to the court during your investigation? Does court actually verify them. Every day I cant get approved for anything I want, it is causing me emotional stress. I just simply want the inaccurate information removed or thoroughly investigated. I dont know a whole lot about credit bureaus and credit reports, or the way they actually process their investigation, but Im good at research. I believe they use a system called E-Oscar to handle investigations. Please should not rely on this system because its not 100 % accurate and its not fair to the general consumer. From my research on the FTC web sites in the last couple of months, you cant parrot information from the creditor and collection agencies, and public record keepers. They must perform a true investigation under the definition of FRCA. 

Look that the 2 cases below : XXXX vs. XXXX revealed that the bureaus have 'grave responsibilities ' to ensure the accuracy of information and that it " must consist of something more than merely parroting information received from other sources. '' Basically, they can't just be parroting information back and forth between the bureaus and the consumer. They actually have to investigate. 

The cases stated that the " Verification might be accomplished by uncovering documentary evidence that is sufficient to prove that the information is true. See XXXX, 357 F.3d at 431. '' And also " a reasonable jury could find that XXXX either knowingly or recklessly reported debts as verified without obtaining sufficient documentation to support that determination ... We, therefore, hold that a reasonable jury could find that XXXX willfully violated 1681s-2 ( b ) when it reported the XXXX and XXXX accounts as verified without obtaining sufficient documentation that the debts in fact belonged to XXXX ''. 
Verify directly with the court. There are a lot of discrepancies these days when it comes to credit reports and I just want them to provide me with the verification of this item and that is reporting 100 % correctly. 

These cases above explained in detail how the true verification should take place with the bureaus. 
I actually went ahead and attempt to verify with the XXXX, and the actual court and these are the responses i received as shown attached.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX  XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX}
Product: Debt collection

I received a response to my previous CFPB complaint regarding the account Midland credit management acct XXXX stating that this debt was purchased from another creditor and that the inaccurate information was not placed on my credit report by them. As you have mentioned in your response the FDCPA governs you collection practices and you have admitted to so many violations. If the original creditor which is XXXX XXXX has charged off the debt that loss was placed on their XXXX return which would make the debt be written off. At the same time a XXXX should have been given to me to file on my tax returns because that charge-off would be considered to be gross or ordinary income according to the IRS. Now you have just admitted that you purchased this charged off debt which is illegal because that would mean though XXXX XXXX wrote it off they were still compensated for the sale of the alleged debt. Now 15 USC 1692f ( 8 ) clearly states that Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Your company has violated this law along with 15 USC 1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. You have violated my privacy rights by admitting you purchased my personal information from another company.
Product: Checking or savings account

I deposited a check for {$1000.00} on XX/XX/2022 and my account was charged off the next day also I went inside the branch and tried to reverse the charge off on my account and they want to place a 20 day hold on my account and additional days to send me a check in the mail for the remaining balance. Which is not fair and insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on American Express. Today I received a call from someone in their call center in XXXX who was using discriminatory statements, laughing about me the costumer not being to make the payment she was requesting {$3000.00} so they would stop reporting the wrong information on me, even though, I have a payment agreement with them and have been paying on time ( automatic payments ) the person on the phone was challenging me to pay $ XXXX+ three times what my agreed payment is to see IF from here on they will start reporting correctly, this is out right discrimination, extortion and unlawful that a credit card company reports false information on a customer. They also closed my account several months ago, they reported it to the credit bureaus which hit my credit score substantially, then they filed with the bureaus that my credit card was open and marked my credit with three late payments even on the months that I have paid my agreements. The account shows open in the credit bureaus and on their site is closed. These credit cards are abusers!