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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian asking them to describe the steps they took to verify the public records on my account. The only response I received is that XXXX XXXX verified it, but XXXX XXXX says that my account is suppressed so there is no way they could have verified. The courts have explained that they do not " verify '' these accounts to credit agencies.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint # XXXX against Transunion, They responded that I was not one of their customers or a customer representative and they could not address my complaint. Transunion is playing games to get out of taking responsibility for allowing XXXX XXXX XXXX to report a fraudulent debt. They know good and well I am a customer and I have a credit file with them. They know who XXXX XXXX XXXX is and they know that they are authorized to investigate. They have addressed numerous complaints I have already filed against them. They need to quit playing games and answer my complaint. They are allowing debt that the SC Attorney Generals office ruled to be fraudulent to be reported on my credit report. Transunion knows this debt is Fraudulent yet they continue to allow it. Quit playing games and justify why you ( Transunion are allowing a debt that was ruled fraudulent by the SC Attorney generals office to be reported on my credit report. The CFPB need to make them stop playing games and address the complaint. Justify why you Transunion are allowing a debt that was ruled fraudulent to be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis removed incorrect details regarding an Accident in XX/XX/XXXX. As a result of this correction, XXXX issued me a {$1000.00} Refund. I switched to another company and the details are coming up again as incorrect. LexisNexis issued me a letter in XX/XX/XXXX assuring me the issue had been corrected. REF XXXX.
Product: Debt collection

This original debt was from XXXX.With Exeter finance . It is now reporting as debt with XXXX XXXX as a debt that is from XXXX  this false and all is inaccurate.
Product: Vehicle loan or lease

In XXXX I had got a loan from credit acceptance for a XXXX  XXXX XXXX  with XXXX miles. When i singed the contract and looked over it said it will XXXX. They never put the interest rate up there and how much it will really be. Then later on in the mail i got the real price which is XXXX. If i would of known it would be that much for a used vehicle I would of never got the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was paid off XX/XX/XXXX, yet State Home Mortgage/ XXXX XXXX XXXX XXXX held my check and didn't report my payment until XX/XX/XXXX and erroneously reported me late with the credit bureaus. ( I have proof and can provide upon requests ) Additionally, during the process along the way I have documented proof of contact with several employees from this company that was communicating either with myself and/or the closing Attorney leading up to the payment being made. ( I can provide that proof upon request ) When I first discovered this error I made numerous attempts to contact them both via phone and e-mail. My e-mails, voicemails and phone calls were ignored and never returned. ( I have proof and dates, can provided upon request ) After I was being ignored by way of no return calls and/or e-mails I submitted a complaint with CFPB ( previous complaint number XXXX-XXXX ) CFPB made numerous attempts to contact State Home Mortgage and over 30 days later still no communication. ( I even have proof of a letter I received from CFPB stating how unacceptable it was that neither of us hadn't heard anything from this company and that I had to wait that long. By late XX/XX/XXXX I got a credit alert that State Home Mortgage had finally reported the mortgage as paid off. 
However, State Home Mortgage/ XXXX  XXXX XXXX XXXX is still fraudulently reporting me late for 6 months on my credit reports. Additionally, I was owed a balance from funds in my escrow, and they have illegally retained those funds. This is my last effort to resolve this matter with this creditor, before I seek other legal options. 
What they've done to me is illegal and atrocious. They delayed updating my mortgage to show my loan paid off. They didn't respond to my attempts to contact them for over 90 days, and they didn't respond to CFPB for over 30 days involving my ( previous case XXXX-XXXX  ) Once they finally reported the loan as being paid off after over 6 months, again no one tried to return my calls nor e-mails to discuss what was the cause for the delay. Additionally, they have illegally retain my rightfully owed funds from my escrow. This is fraud and I want an example to made out of everyone who was involved. This has not only affected my credit, but it also has affected my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

These Credit Reporting Agencies Experience, XXXX, XXXX, Has Placed Inaccurate Information On My Consumer Report. I Pursuant To The Fair Credit Reporting Act ( FCRA ), This Is A Violation To My Rights As A Consumer. Please See Attachments!!!
Product: Debt collection

XXXX XXXX XXXX {$420.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is misreporting our PAID auto loan as a delinquency as retaliation for filing a previous CFPB complaint we filed concerning an error that occurred at the end of our lease. As evidenced in the screenshots provided, the tradeline previously correctly showed the payment status as " Current. '' After we rightfully filed a CFPB dispute to address a payment error they made at the end of our lease, they updated their reporting to reflect the account as delinquent 60 days on XXXX and Equifax and 90 days delinquent to XXXX on both mine ( XXXX ) and my husband XXXX XXXX credit reports. The account was brought current in XXXX of 2020 and is PAID IN FULL. This retaliatory behavior is unjust and needs to be corrected.
Product: Checking or savings account

My Regions checking account has been charged overdraft protection fees on several occasions despite my not being enrolled in overdraft protection. I reached out to Regions customer service via the mobile app messaging service and I was told that my account was opted in to overdraft protection when on my end it clearly says I am not. I offered to send the customer service rep a screenshot of this record but unfortunately there was no way to send pictures through the service and she refused to give me another form of communication for the customer service line. I am sick of being charged for fees unknowingly when I am under the impression that Ive opted out of this coverage for this very reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions/Enerbank USA- is showing a late payment on my credit history. I Initially setup an ACH draft to pay this installment and have made over 20 successful payments. I recently was made aware that this account was reporting late to the credit bureaus. I never authorize this ach to stop, never contacted my financial institution to stop. When I contacted Regions/Enerbank USA I was informed that I selected to have the payments stop when I signed up which I did not do. The company says there is nothing that they could do. This not acceptable for me as I am business owner, and my credit history is extremely important. Once I learned my payments had stopped, I paid the account in full. I need this late payment removed from my credit history. But the company is unwilling to work with me and saying it is my mistake, but I do not agree and believe it was a system error on their end. The company said they tried to contact me but their info shows up as spam via mail and phone. As when I saw the attempt to reach out once look into my spam folder to validate.
Product: Checking or savings account

I have navy federal credit union and my direct deposit is not yet available as it should be. I tried calling them and was hung up on after being on hold for about an hour. They have not disclosed any info on their website as to why they are having issues. I need my funds to be available so I can pay my bills today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I felt some information on my account which was reporting from XXXX XXXX XXXX  account # XXXX wasn't accurate. I sent in a letter to the bureaus questioning the information reported. I got back a response from them saying it was verified. At the same time I got a letter from XXXX  XXXX saying that they recieved a dispute but didn't have enough information for them to fully understand the reason for the dispute. How can the bureaus have verified this information if XXXX XXXX  could not even investigate this based on the letter I got which I will attach.
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 in the account when a transaction was made and authorized, I was charged fees due to the lagging of when these of posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

State Collection Service Inc. is attempting to collect a debt that is not owed. I have made several attempts to resolve this issue, but to no avail. This medical debt was covered by insurance and financial aid. I am not sure why they are still trying to collect.
Product: Debt collection

I received a phone call from ( XXXX ) XXXX. I answered the phone and a male voice answered. He asked for XXXX XXXX and I said yes. He then began to say that he had information regarding a financial matter but needed to verify my identity before he could proceed. He then asked for the last 4 digits of my social security number. I asked what it was in regards to, because I was not comfortable giving out that information over the phone to a stranger. He responded again that it was for a financial matter but he could not yet tell me without confirming my identity. He then stated that he had my full social security number on file in front of him and then recited the last 4 digits asking me to confirm. He then proceeded to recite my entire mailing address. I asked if he was so unsure of my identity that he could not tell me why he was calling, why did he feel that it was okay to give out my social security number and mailing address over the phone. He responded that it was their policy to confirm identity that way, and told me that nobody could do anything with just the last 4 of my social security but agreed that my mailing address should be private. I asked for the name of the company and he responded Dynamic Recovery Solutions. I got very angry and told him that he should not be giving out my personal information over the phone, what if it was not me then they would have my information, and I told him that I would not be continuing the call and that I would be filing a formal complaint. I find it very discomforting that a company with access to sensitive information has a policy in place where it can be so readily shared over the phone.
Product: Credit reporting or other personal consumer reports

I'm trying to buy a house and I've realized that I have damages on my credit report. According to the 15 U.S.C 1681 law, there shouldn't be a damages on my report. It's a defamation to me character
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax as a financial institution did not exercise their grave responsibility according to 15USC1681 ( a ) ( 2 ). Equifax was unfair, partial and they dis not respect my right to privacy. They have given my personal private information to multiple companies without my consent to do so. They are acting on my behalf and do not have my consent, which is a form of identity theft. 
I personal information was stolen and involved in their data breach in 2019. 
Due to Equifax 's fraudulent behavior my consumer credit report has been gravely affected. I have been discriminated against, denied credit and slandered.
Product: Credit reporting or other personal consumer reports

I have revoked consent to share my nonpublic financial information with these companies, however they are still sharing it, thus violating my rights. This concludes to identity theft and violates 18 U.S. Code 1028A. I demand that these accounts are promptly deleted and pursuant to 17 CFR 248.7 I am opting out of the reporting of the following accounts on my consumer reports ; XXXX [ Account # XXXX ] and XXXX XXXX [ Account # XXXX ].
Product: Credit card

On XX/XX/XXXX, I logged into my XXXX Credit Card account issued through Commenity Bank to pay my bill. I noticed my available credit was at XXXX. I then had to go back through my monthly statements to find my account was closed on XX/XX/XXXX of this year. I sent a message to customer support to see if this was actually the case, and if it was not, to have a new card issued as mine was expired. I was given the run around for a few days before being told to contact a supervisor. I contacted a supervisor on XX/XX/XXXX who told me that there were no notes on my account about account closure and as far as they could tell, the account should not be closed. I was then told that this would be escalated and I should receive a call back within 7-10 business days ; this did not happen. Today, on XX/XX/XXXX, I called customer support again, on the 11th business day, to inform them that I had not received a call back, and to address the issue of a lack of Adverse Action Notice being send, as is required by the Fair Credit Reporting Act, and they informed me that their notes said someone did call on XX/XX/XXXX, however, there was no recording made, meaning nothing was recorded as a phone call, or voice mail, and I have no record of this call in my call logs, seeming to imply a note was made without actually attempting to contact me. Nobody can prove this call was made beyond the note. This supervisor also reiterated what the first had said : there we no notes on the account about account closure, and she can't see a reason as to why it was, and doesn't see any notes about Adverse Action Notices being send, or any documentation on the account for that matter. This supervisor contacted her boss, who without speaking to me, just relaying it through the supervisor I was talking with, that it was up to the banks digression as to when to close an account. While this is correct, this is not the issue I was calling about, and I reiterated that I had not received an Adverse Action Notice notifying me of account closure within 30 days as required by the Fair Credit Reporting Act. This supervisors boss once again ignored the statement to reiterate that account closure was at the digression of the bank, and ceased contact with me. The supervisor I was still in contact with apologized, at which point I told her that an apology was not good enough, they are in violation of the Fair Credit Reporting Act, their action has negatively impacted my Credit Score, and there were damages, some form of remediation needed to be made. I was told that they could request a call back, but my account could not be reopened, and no form of remediation was made availble.
Product: Credit reporting or other personal consumer reports

I originally contacted Experian via registered mail on XXXX  XXXX  2023 in reference to names, work places and address that were being reported on my consumer file. I requested that these old, unused, and erroneous items be immediately removed from my file for my safety and safe housing of my personal information. I did not want any of this information shared due to the fact that it can be used fraudulently and to cause harm. I have attached a letter that clearly stated my correct address, and name. This letter also requested that all other information that was not the information provided directly by me to be removed immediately as it was a risk to my privacy. This never happened even after multiple attempts to get this dangerous information removed from my file. 

I have also requested that Experian verify file information as accurately belonging to me multiple times. This was consistently met with a generic response that they have verified the information with the company that provided it originally. Although I have asked for documentation and proof of this multiple times, I have never been provided any type of documentation or proof that the investigation was even actually conducted. 

The below accounts have been challenged multiple times with no proof or documentation of the investigation results and I demand that they be removed from my account if no documentation can be provided within a reasonable time, that reasonable time being 15 days due to the fact that this information has been challenged multiple times and should very well be on file according to the investigation results previously provided by Experian on multiple occasions. 

1 : XXXX XXXX Account # XXXX 2.XXXX XXXX. 
Account XXXX XXXX  I have attached the many letters sent to Experian addressing the above issues in detail. To reiterate, I have NEVER to this date, 7 months after the start of these challenges, received one piece of documentation which confirms the accuracy of these accounts, or the accuracy of Experians investigations into my complaints despite requesting and demanding that this information be provided to me at the conclusion of the investigation. I demand that if these results can not be produced within a reasonable amount of time, given the past history of request, these items be completely and permanently removed from my file..