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 investigation of disputed information on my credit reporting leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has 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. This has been my experience with Experian. Experian has neither corrected or removed disputed items despite the evidence that I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inactions has violated federal law and has violated my rights as a consumer.
Product: Debt collection

I find it extremely unfair that I am being subjected to such actions without any prior warning or opportunity to address any potential misunderstandings. 

This situation is not only distressing but also damaging to my reputation. I kindly request an immediate review of my account and a prompt rectification of this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was in great standing, bills paid on time. I had a disputed charge on my account from a company called ( XXXX XXXX ) which was billed to my Barclays Visa card ( 1 ) First the company did not send me all the goods I paid for. ( 2 ) Second I sent back what was received The company ( XXXX XXXX ) was advised the good would be returned. Barclays refuse to credit my account for the charges even though the XXXX receipt were sent to them where the company received and accepted the merchandise I refuse to pay that part of my bill and asked Barclays not to charge me interest on the disputed amount. Barclays continues to charge me interest AND have now Reported my account to all the Credit Bureau as being late, which have made my Credit Score dropped significantly. 
I need them to remove the false statements from my credit report and credit my account for the merchandise that was returned and accepted by ORIGINAL SIN Company. 
Thank you Mrs XXXX
Product: Debt collection

I am a consumer, natural person and original creditor. A letter was received from XXXX XXXX XXXX on XX/XX/2021 alleging as fact that i owe Navy Federal Credit Union {$4200.00}. No money was given to me by this institution and would like to know where the bank got the money from that they alleged i owed. XXXX XXXX XXXX violated 15 USC 1692b ( 5 ) by advising that they were " attempting to collect a debt '' which 15 USC 1692b ( 2 ) states that a debt collector can not state a consumer owes a debt. Pursuant to 15 USC 1692c ( a ) they sent communication without prior consent and committed identity theft by creating an account in my name without my knowledge. Navy Federal Credit Union is also in violation because this is an invasion of individual and family privacy. Pursuant to 15 USC 1692d ( 2 ) XXXX XXXX XXXX violated me by demanding that i " submit '' or " make a payment '' to them. Pursuant to 15 USC 1692f ( 1 ) that's a violation to attempt to collect a debt unauthorized by an agreement between parties. I have no contract with them nor have i ever done business.
Product: Debt collection

Greetings, This is a formal complaint against Medical Data Systems Inc for furnishing information to XXXX  that it once requested removed from all three credit reporting agencies which includes XXXX. 

The actions of Medical Data Systems Inc violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. 

The following documents submitted outline the unlawful conduct and actions of Medical Data Systems Inc in their question to damage my credit standing based on XXXX motivation and retaliatory tactics for filing a complaint against Medical Data Systems Inc with the Florida Office of Financial Regulation. 

Please review the following attachments. 

Sincerely, XXXX XXXX XXXX, XXXX.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capitol One 's Failure to deposit my direct deposit from my employer and any other incoming deposits. Capitol One has citied technical issues, which may have violated the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) KOHLS/CAPONE AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely XXXX XXXX XXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE
Product: Debt collection

1. I start a lease application I never completed, but my guarantor did. I never pay the Application Fee neither deposit ; I never signed neither complete the documents. The signature they have is my name that the system Auto-Filled once I open the box to review the info of the lease and stop the process from completing.

2. They told me that if I did not pay the Application Fee before XX/XX/XXXX, I wouldn't be with any responsibility for the lease.

3. On XX/XX/XXXX, without me paying anything ( application fee, or deposit ), neither completing the signing of the contract, XXXX XXXX charged me with {$2000.00} by phone.

4. On XX/XX/XXXX BYL Collections send me a bill without any description of what was for the amount were XXXX  had assigned me a total balance of {$40.00} for XX/XX/XXXX to pay. I thought it was the entire balance I have to pay to end the misunderstanding and not the previous {$2000.00}. I paid the amount.

5. On XX/XX/XXXX, BYL collections agency to contact my brother without billing or contacting me first to notify me of a new total balance of {$3800.00}. Saying that because they had received a payment of {$40.00} in XX/XX/XXXX, they were authorized to charge this new debt. They hurried him to give his credit card information by phone. They had called him three times now.

6. I have never received a call from BYL collections stating the amount they tried to charge to my brother. I never received, even though I asked for, a proper bill stating the debt they say I have with them in XX/XX/XXXX. Neither the bill from BYL I received on XX/XX/XXXX stated as balance the amount of the three months they argued I owed them by that time. They misled me with an undescribed payment of {$40.00}, and now they are claiming that is the payment that makes valid that I had a contract with them and that I owed them {$3800.00} until now.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint to request an immediate and thorough investigation into what I believe to be erroneous reporting of a XXXX XXXX  account on my credit report, account number XXXX. 

Reported Account Details : Account Name : XXXX XXXX  Account Number : XXXX Reported Balance : {$7000.00} Status : Closed, with {$920.00} reported as past due as of XX/XX/year>. 
Nature of Discrepancies : This account listing shows several discrepancies, including inaccurate delinquency reporting and the unwarranted charge-off status : Inaccurate Delinquency Reporting : The credit report indicates delinquencies and a status of 120 days past due in XX/XX/year>, which I firmly dispute. 

Under the Fair Credit Reporting Act, specifically Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), consumers have the right to challenge inaccurate information in their credit reports, and furnishers of information are required to correct or delete inaccurate, incomplete, or unverifiable information.

Requested Actions : Conduct a detailed investigation to verify the accuracy of the account information listed under XXXX XXXX  account number XXXX. 
Should this investigation fail to verify the account information accurately, pursuant to FCRA Section 611, require the immediate removal of this account from my credit report.

Review the procedures that allowed this inaccurate data to be reported and ensure compliance with consumer protection laws.

Provide me with written documentation of your findings and the actions taken in response to this dispute.

Attached are copies of documents that support my claim. This information demands prompt and rigorous attention to prevent further damage to my credit and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I have no information on this, and the company proceeded without my permission.
Product: Credit reporting or other personal consumer reports

American Credit acceptance is Illegal Reporting late payments on my consumer report Without my consent. 15 U.S.C 1681A= Communication of other information among person related by common ownership or affiliated by corporate control.

( A ) Subject to section- 1681S-3 of this title any report containing information solely as to transaction or experiences between the consumer and the person making the report.

The reporting of such illegal information has caused severe damage to my character, my reputation, my general mode of living. I ask you to remove and stop reporting These late payments on my consumer report without my permission.

Credit report and consumer report are different. Congress laws. Consumer report is XXXX, XXXX and XXXX XXXX.
Product: Vehicle loan or lease

I have tried to work with Ally Auto to manage my payments due to Covid-19 loss of income. I have filed numerous complaints against Ally and the Executive Management Team tells the CFPB that they are trying to work with me. LET ME BE CLEAR-THEY HAVE NOT MADE ANY CONTACT WITH ME. They are lying to you guys and not calling or attempting any type of communication. Now, with that said, their collection department calls me EVERY DAY AT WORK. I answer and tell them EVERY DAY TO STOP CALLING MY WORK NUMBER. They do not listen, one guy laughed and they continue calling my work number every single morning. I have tried to get them to stop calling from the collection department to my work number. Again, they do not listen. If they are doing this to me, they are doing this to many other people. 

Also, do not believe that their executive team works with the consumer when a complaint is filed. They have not attempted to reach out to me at all. If you all have other complaints to Ally Auto, I would reach out to the other consumers and see how well their complaints are handled. As I said above, no one has bothered to reach out to me except their collection department to my work number even though I ask them to stop calling my work.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus have a responsibility to report accurate and concise information for a consumers credit report. However, XXXX and Experian still are reporting a bankruptcy on my report without providing any verifiable proof in the accuracy of their reporting. This is grounds for removal of the inaccurate account on my report, they are also in violation of my rights under 15 USC 1681 : 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 an account without my written instructions. Also, the Credit bureaus have had this inaccurate information reporting in my personal credit account for an unknown amount of months/years. I have been trying to get this correction made for the past several months to no avail. That damage as a result of their erroneous reporting will forever be irreparable to me and my family, due to the high interest rates being paid, large amounts being spent on credit restoration and my inability to get approved for housing and other lending that depends on the accuracy my credit report.
Product: Mortgage

Sometime in XXXX 2016 my husband & I were able to pay off the second mortgage. In fact we over paid at the time. ( This was according to Ditech ) They had said that they were going to issue us a check for the over payment. So my husband & I waited for a month & then made several attempts to call Ditech. Every time we called we talked to someone new, each with a different story. The last time my husband called he was promised that a supervisor would be calling him back, but no one ever did. Yesterday ( XXXX XXXX nd ) I made an attempt to call & finally was able to talk to a supervisor named XXXX. She has explained to me that They emailed the escrow team 3 times & no one ever got back to her. When I asked about talking to a supervisor in Escrow she said that they do n't have one & the only way they can get a hold of them is by email. It is now XXXX of XXXX & we are still waiting on our refund/ over payment. I would really like someone from there to be honest with me & not give my husband & I the run around. 
I think that we have been waiting long enough for this.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX XXXXXXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Natl Recovery : # XXXX, XXXXXXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI XXXX 'XXXX  / CREDIT BUREAU ; I'm not quite sure what's going on with your company but for some reason, there is something going on because i haven't received any responses for like 60-90 days since the pandemic. Every month i question the validity of this account. There is no way that this account was indeed verified - it's unverifiable and incomplete!!!! Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Mortgage

My wife and I divorced in XXXX of XXXX. I given full custody of my children and I awarded full ownership of our house. In XXXX of XXXX when covid happened I lost my part time job and lost hours on my full time position. I applied for a forbearance plan with Mr. Cooper. After my forbearance plan ended this year I turned in all of my paper work for my loan modification and it was approved and It did not require my Ex wifes signature. They told I needed sign some finally documents and they could send a notary out to my house. I signed the documents in early XX/XX/XXXX. They were rejected because my ex wife did not sign the papers. I dont know where she lives or who she works for. I have zero way to track her down. I have asked her on numerous occasions to sign a quit claim deed and she denied. I told about the notary and she denied to sign that. Mr. Cooper has given no solution on what I can do. I believe they trying to unfairly force foreclosure on my house. In the month of XXXX I have spoken to Mr. Cooper at least twice a week trying to come up with a solution. My ex wife finally booked a XXXX XXXX in Texas over XXXX week and took the kids I called Mr. cooper and booked a notary to come out to the place she was staying but the appointment was never confirmed and a notary never showed up. I feel like Mr. Cooper is trying to force a foreclosure on my house. In our divorce decree it states that if XXXX refuses to sign that our decree will work as a conveyance of property. I sign the notary paper on XX/XX/XXXX. I havent heard from my ex wifes since XX/XX/XXXX. Thank you
Product: Credit card

On XX/XX/year> when checking my Capitalone creditcard app. I noticed XXXX or Capitol one had an expected transaction of {$180.00} for XX/XX/year>. I never authorized such post on my app page.