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

Experian has failed to fulfill its illegal obligation under the Fir 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 Experians inaction violates federal law and my rights as a consumer. 

I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account 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
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX  Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two credit agencies I am reporting. I have tried to solve the matter with Equifax but have not gained a resolution. I have attempted to notifiy XXXX XXXX but haven't received a call back. On XX/XX/XXXX I went to purchase a car at XXXX XXXX in XXXX County ( XXXX, Georgia ). Iwas not able to get proper fiancing. The car was purchased at a high interest rate and then the monthly payments were also way to high for a XXXX vehicle. The information reported from theses two credit agencies is incorrect. # 1. XXXX reported that I had a XXXX creidt score. None of the other agencies have reported this score. The information they provided in the report is also incorrect. 
# 2 Equifax reported that I have several delinquent accounts and when I called to speak with the representative she told me not to worry about it. This was her way of resolving the dispute. I have maintained my credit score over the years and should have been able to walk off that car lot with a brand new car. Based on the information provided by these two agencies I am wondering if this is the reason I was scammed into purchasing a XXXX vehicle for {$21.00}, XXXX. I did not need them to give the car dealer any information that would hinder me from being successul. I check my credit report with Equifax weekly and it is a XXXX credit score. I have no outstanding delinquencies reported with XXXX, Equifax, nor XXXX. How does XXXX have such low score and noe of the rest of these agencies have that score. It is a shame not to be able to get a credit agency to provide accurate information when you have worked so hard to maintain good credit. Car dealers are already waiting to scem you when you walk on that car lot if they don't have the heart of Christ and they're only concerned about making a profit. I made a bad decision in getting the car but I was told my selection all depended on my credit history. Sadly to say, it wasn't reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account.Monterey debt collector is attempting to collect monies from an account unbeknownst to me which is a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/2020, I disputed all 3 credit bureaus ( Equifax, XXXX and XXXX ) on my bankruptcy under public information.I disputed because the 10 years of Bankruptcy is over and I wanted it removed from my credit reports.After Dispute investigation, XXXX, Equifax, XXXX was deleted.Since then I have applied for credit and was denied. I discovered Equifax HAS NOT removed the Bankruptcy from my credit report.I have tried to get it removed but was unsuccessful.I do know XXXX and XXXX has removed it from my credit report ( s ) but cant understand why Equifax will not remove Bankruptcy from my Equifax report.Because they wont remove Bankruptcy after 10 years, It continues to be damaging to my credit and score.Also, how can Equifax say in there Investigation results Dated XX/XX/2020, that disputed item is not currently reporting on the Equifax credit file and turn around and say on XX/XX/2020, A discharged Chapter XXXX bankruptcy remains on the credit file for 10 years from the date filed.Also, when I called them they did say over the phone the credit item/tradeline has been deleted.
Product: Credit reporting or other personal consumer reports

Details of Complaint : I previously filed a complaint with the CFPB on XX/XX/2024, which highlighted Experians failure to investigate disputes, block fraudulent accounts, and provide proper reinsertion notices. Despite this, Experian has failed to resolve the following items on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : Fraudulent account linked to identity theft, with a balance of {$2500.00} and late payments added. Despite being disputed multiple times, Experian has ignored or failed to investigate this account appropriately, violating FCRA 605B and 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX  ( Account # XXXX ) : Reinserted without notice ; no evidence of verification provided. 
XXXX. XXXX XXXX ( Account # XXXX ) : Reinserted with derogatory marks, violating reinsertion protocols. 
XXXX. XXXX XXXX ( Account # XXXX ) : Verified without proper investigation. 
XXXX. XXXX XXXX XXXX XXXX : Ignored entirely despite valid identity theft claims. 
XXXX. XXXX XXXX XXXX ( XX/XX/2024 ) : Not removed despite prior disputes. 
XXXX. Incorrect Address ( XXXX XXXX XXXX ) : Remains listed on my report. 
Applicable Violations : FCRA 605B : Failure to block identity theft-related accounts.

FCRA 611 ( a ) ( 5 ) ( B ) : Failure to issue reinsertion notices. 
FCRA XXXX ( a ) ( XXXX ) : Failure to verify disputed information. 
Harm Caused : XXXX actions have led to : Financial harm and increased interest rates due to inaccurate derogatory items. 
XXXX  XXXX  and wasted time resolving these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is an incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiry listed is inaccurate and needs to get deleted immediately : XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

I have been trying everything to keep my information safe and Equifax has not been helpful. I am a victim of identity fraud, my information was also compromised in the data breach, I have frozen my report and removed as much of my information as possible but yet, I am still responsible for all of these unauthorized inquiries which is heavily impacting my life. I have asked for proof on how the inquiries were made and have not received any documentation or any of the 40 inquiries on my report. This is a violation of my constitutional and consumer right.
Product: Debt collection

Bull City Financial Solutions sent me a collection notice in the amount of {$65.00} the letter is dated XX/XX/2023. The original debtor is listed as XXXX XXXX with the account number XXXX once again Bull City Financial Solutions sends me no documentation to support this bill that has already been paid to XXXX XXXX. I need documentation along with itemized bill showing what my insurance has paid along with the payments that I have paid. I have disputed this with the company and still have yet to receive any documentation per my request and dispute. I want the documentation sent to me and also I would like collection efforts to cease since this amount has already been paid.
Product: Debt collection

I XXXX XXXX  wish to file a formal complaint with each pertinent credit reporting agency, XXXXn, XXXX and XXXX XXXX collectively.  A debt collection agency known as The XXXX is involved in what will eventually be exposed as the largest financial scam against American consumers.  What The XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was Capital One N.A., and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was The XXXX in a position to own this debt, and for that matter, The XXXX has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of The XXXX, see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, The XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX   could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, The XXXX never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against The XXXX and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX XXXX, and this must give the credit reporting agencies a huge red flag on The XXXX licensing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$1200.00} on XXXX/XXXX XXXX XXXX original creditor XXXX account number XXXX. ( Please see page attached from my credit report. ) I originally had XXXX as my phone service. I live in a very rural area and my commute is lengthy. I had sporadic service at best. I contacted XXXX and asked if there were any trouble-shooting tips I could utilize that XXXX help. I followed their instructions and nothing helped to enhance my service. I called XXXX back and the representative told me that the lack of service was of no fault of my own and they agreed to let me out of my XXXX contract. I wasnt made aware that this account had gone to collections until I obtained a copy of my most recent credit report. I was shocked to see that XXXX had not honored their word to cancel my account, but rather had sent this account falsely to collections. I was never notified by XXXX of any action of a collection was going to take place. This collection/charge-off that is appearing on my credit report is seriously harming my credit score and this line item needs to be removed. I have contacted not only XXXX and XXXX XXXX to assist me in removing this, but I have also contacted the ( 2 ) bureaus however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 1. XXXX XXXX XXXX XXXX, 2. XXXX ... XXXX {$100.00} amt 3. XXXX ... XXXX,,,, {$100.00} amt 4. XXXX XXXX XXXX XXXX .... 
5.XXXX  XXXX XXXX XXXX XXXX XXXX 6.XXXX  XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX MY CONSUMER RIGHTS HAVE BEEN VIOLATED. 
15USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15USC 1681 SECTION 604A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Student loan

Navient is servicing the loan and they are telling me the only way I can have my over payment applied to the principal is to call them or contact them every month to provide special instructions on each individual payment. Every payment from here on out will be an over payment. This is unacceptable because I should n't have to spend an hour every month just to have them apply my payment correctly.
Product: Vehicle loan or lease

I have had a horrible experience with GM Financial which I need you to know about. My XXXX, a lifetime GM customer and current lessee of a XXXX XXXX, passed away last year on XXXX morning XX/XX/XXXX. On approximately XX/XX/XXXX, I reached out to inform your company of his passing and expressed my desire to arrange to keep Dads XXXX. In my letter dated XX/XX/XXXX, as requested, I provided XXXX XXXX XXXX as well as a letter with my contact information, requesting information on taking over the lease or purchasing the vehicle outright. Earlier this evening ( XX/XX/XXXX ) I heard loud exhaust in the front of my home and was horrified to see a tow truck hooking up to my XXXX vehicle. I ran outside in my socks and pleaded with the driver to allow me to remove some of my Dads belongings. I immediately called GM Financial to understand what was going on and spoke with XXXX XXXX XXXX XXXX in the reinstatement department. XXXX began by telling me the vehicle was past due and that GM hadnt received the proper paperwork to communicate with me. I explained to her the situation and she confirmed she received the letter. It defies all logic that a simple call or email wasnt delivered to inform me of the required documentation. XXXX was unreasonable, lacked empathy and shredded the GM brand with her dismissive and condescending attitude. She chastised me for not delivering the proper paperwork or making payments I would have happily made payments if an invoice was provided. I am sickened by the way this was handled. I have a $ XXXX XXXX in my driveway I dont even want to look at. My father served our country during the XXXX XXXX in the XXXX XXXX and always preached to us kids to buy XXXX. He was proud to drive GM vehicles his whole life which makes this experience feel like a harsh betrayal. I can not understand why GM would deny us the opportunity to arrange to keep the vehicle and instead, opted to cause me the traumatic experience of watching my Dads vehicle being towed away.
Product: Debt collection

Consumer Adjustment collection agency, are reporting an account to my credit report in the amount of {$1600.00}, that I do not recognize, and do not own. I wish to exercise my right to dispute inaccurate information as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681.The previous response is unacceptable.
Product: Money transfer, virtual currency, or money service

Many unauthorized transactions where made to my account when disputed there was no customer service or information to be otained to reach out to higher authorities
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and transunion reporting wrong address that not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, ink. ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ) specifically, cash app failed to take timely and effectively measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirement under the election fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.
Product: Credit reporting

This dispute is being written in response to in-accurate crediting reporting on behalf of XXXX, Account XXXX I have been trying in vain to get this company to confirm that this is indeed a valid debt by way of sending me documentation indicating paper work I signed agreeing to open this account, statements and any other documents verifying the validity of this account. I have reached out to this company by letter, phone calls and fax continually over the course of the last year. When disputing the information through " XXXX '' " XXXX '' and " Transunion '' XXXX Is indicating that the reporting is accurate however please note the credit report I have attached which states otherwise. " XXXX '' is indicating this is a closed account however " Transunion '' and " XXXX '' are indicating the account is a charge off which is affecting my credit rating. I would like Transunion to change the reporting status of the account from " charge off '' to a " closed '' status which a representative from XXXX indicated would be done during a phone call on XXXX/XXXX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 

XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Mortgage

Im getting frustrated because they are giving me the running around and want to foreclosure on me and my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Of XXXX I reported to CFPB In regards to the Navy Federal account ending in XXXX. XXXX and XXXX at XXXX Between XXXX and XXXX Eastern Time, XXXX Navy Federal is still Reporting incorrectly to all Major credit bureaus. On XXXX I spoke with a representative confirming all what I have paid and what was still owed, The representative confirmed I have made XXXX in Payments to the above referenced company not one payment has been reported to the bureau. Monthly the payments are showing CO which stands for Charge OFF. The balance on the report shows XXXX the representative told me on XXXX the balance was XXXX. The report has a total of XXXX late months " XXXXXXXX XXXX months '' which means would mean I never made a single payment ever on the account. The account was settled XXXX which they stated in the response in the last complaint. so if I have made payments why would my account balance not reflect the payments made or the arranged balance. I have attached correspondence from XXXX and XXXX. All Items in Exhibit B are inaccurate, invalid, not timely and carry no documented evidence of the true and accurate facts. To the least they have not been authenticated as per my rights or requirements you are damaging my character, creditworthiness and well being by falsely reporting balance and being non complaint reporting unverifiable account information. 

Exhibit A - Corresopndence from XXXX and XXXX stating the balance owed as of XX/XX/XXXX Exhibit B- My XXXX Credit Report That shoes 59 negative payments and a incorrect balance owed. The payments the have received for the last 2 years are not reported.