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

Dear CFPB : I am writing to formally file a complaint against Experian for failing to properly investigate disputes on my consumer credit report. Despite numerous attempts on my part to resolve inaccuracies, Experian has consistently updated the disputed accounts as accurate without providing any documentation or details about the steps taken to confirm their accuracy. 

Over the past several months, I have called Experian multiple times to dispute incorrect accounts on my credit report. During each interaction, I requested that they conduct a thorough investigation and remove the inaccurate information. However, Experian has failed to : Properly investigate my disputes and provide me with detailed results. 
Share the steps or evidence used to confirm the disputed accounts as accurate. 
Address my concerns and correct the errors, which continue to harm my credit profile. 
In some cases, accounts I previously disputed and were removed have inexplicably reappeared on my credit report under different furnishers without any explanation or notification. This repeated reinsertion of inaccurate information has caused unnecessary stress and difficulty for me in accessing credit and financial opportunities. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to conduct meaningful investigations and to notify consumers of the outcomes. Based on my experience, it is evident that Experian has failed to meet these legal obligations. 

I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for unlawful practices, including sham investigations, improper handling of consumer disputes, and reinserting inaccurate information into credit reports. My personal experience aligns with the allegations in this lawsuit, and I respectfully request your assistance in addressing my concerns. 

I kindly ask the CFPB to : Investigate Experians handling of my disputes. 
Require Experian to provide documentation showing the steps taken to confirm the accuracy of the disputed information. 
Ensure Experian takes corrective action to remove inaccurate information from my credit report. 
Impose any necessary penalties on Experian for their failure to comply with federal consumer protection laws. 
Please find attached any relevant documents, including copies of my dispute letters, correspondence with Experian, and credit reports showing the disputed accounts. 

Thank you for your time and attention to this matter. I hope that the CFPB will take swift action to ensure that Experian is held accountable for their unlawful practices and that consumers like me can have confidence in the accuracy of their credit reports. 

Sincerely, XXXX XXXX
Product: Debt collection

I never lived at the address that fair collection is trying to collect a debt from XXXXXXXX XXXX XXXXXXXX Capital One bank is reporting an incorrect balance of {$470.00} XXXX XXXX is showing a incorrect balance of {$520.00} And XXXX  XXXX  is also reporting a inaccurate balance os {$740.00} All these accounts are in litigation please have them delete these accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  acct # XXXX XXXX XXXX was paid off and needs to be deleted from the credit report, Also XXXX XXXX XXXX closed and settled and needs to be deleted from all three credit bureaus. Both XXXX XXXX XXXX 's Acct number XXXX and account number XXXX  were both paid of and settled for deletion on all three credit bureaus.

15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction.

I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. 

Thanks XXXX XXXX
Product: Checking or savings account

I am writing to file an 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 issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I opened my regions Bank account in 2012. I have had trouble with excessive fees being withdrawn from my bank. It was not until 2 days ago that a lady named XXXX at Regions bank told me that the account that is seen on line by the banker is not the same way the consumer sees it. She stated that if a merchant doesn't clam the money that has been debited in 3 days the money " appears '' to be back in the account showing balance higher than it actually is. Becasue NO one in 7 years ever explained this to me nor bothered to tell me that overdraft protection does NOT protect your account from over draft fees, They have taken out in fees in the last 7 years a grand total of {$10.00}, XXXX. I believe this is an exorbitant amount!! I would like to have these fees reimbursed to me. I have talked to a banker from regions today and they said they would not be refunding any additional fees to me. They did refund a little over {$200.00} and stated that '' s all they can do for me, 2 days ago but refuse to refund any other Fees. Please help me Sincerely XXXX XXXX XXXX
Product: Checking or savings account

I had a XXXX XXXX XXXX Account with Suntrust for 20 years. When Truist acquired Suntrust, the bank notified me that the terms of my Signature Advantage Checking Account would be grandfathered into Truist 's new product. 

Despite this commitment, I started seeing fees of $ XXXX, which I would not have incurred under the terms of my prior account. I called immediately and spoke to a Truist representative in XXXX, who informed me that I was correct that the prior account 's terms were grandfathered in, that she would credit the fees back to my account, and that I would not see the fees in the future. I thought I could rely on the bank 's representations, but the bank did not honor any of those commitments. 

I recently noticed that no amount had been credited back in XXXX and that the fees had continued. I called again in XXXX and even though the bank acknowledged that the prior representative gave me the wrong information and that she did not credit my account as promised, the bank nonetheless refused to credit the full amount of the fees back to my account. Truist has an arbitrary limit of only crediting back {$75.00} fees, and the representative said there was no process or person I could speak to in order to get a full refund. I'm seeking a full refund and Truist should have a process for others who have relied on the representations of the bank to their detriment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX  XXXX XXXX Opened Date XX/XX/2013 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a PAID Charge-Off with XXXX XXXX XXXX that I have been disputing with the bureau continuously since XX/XX/2020! I sent a second dispute on XX/XX/2020, after the bureau did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them ).
Product: Debt collection

I have a medical collection which is being reported by XXXX different collection agencies however for the same original creditor. XXXX XXXX XXXX is the original creditor that turned over a debt in the amount of {$550.00} to both Syndicated Office Systems and Central Finance Control. These XXXX collection agencies are parent companies demanding that I pay the collection. It makes no sense to pay a collection account XXXX and it is difficult to determine who has legal ownership of the debt, or which debt collector had it first especially when XXXX claim to have acquired the debt on the SAME DATE. 

Syndicated Office Systems is reporting on my XXXX only, while Central Finance Control has reported the debt on both my XXXX and XXXX. According to recent actions ( XXXX/XXXX/2015 ) taken against Syndicated Office Systems by the CFPB, these types of collection tactics are unethical and illegal. 

Over the past XXXX months, I have hired two different companies in an attempt to validate the debt. However neither Syndicated Office Systems nor Central Finance Control responded within the XXXX time frame as required by federal law ( see attached ) and when they did respond, each claimed to legally own the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

PER REPORT XX/XX/2019, XXXX I have continued to report this to the CFPB and nothing happens. XXXX  and Experian continue to report XXXX XXXX accounts on my reports even though I have provided documentation from the courts showing they are to be removed IMMEDIATELY with signature by the honorable judge. It is like these accounts never existed and they are not allowed to be on the report. XXXX   removed them with zero issue. 

Furthermore, I continue to get the attached letters from XXXX XXXX that they need more information. More proof they don't even have anything on file that proves these are my accounts. FCRA 609/623 states they must remove them. Copies of bills do not constitute as proof. Zero video, zero phone call, zero proof of signature. No request of WHO, WHAT, WHERE and WHEN were these accounts verified and accurate with! 

Going back to the legal documents signed by a judge -- they have to be removed -- PERIOD
Product: Credit card or prepaid card

I received a 1099-C, Discharge of Debt, on XXXX XXXX, from Bank of America stating they discharged {$13000.00}. Date of identifiable event was XX/XX/XXXX. I called the number provided, XXXX, and spoke to their agent. She said the associated debt was from a credit card that I opened on XX/XX/XXXX. I have not received a single notice or bill from BoA during the last 12 years. I told the rep that the Statue of Limitations in Mass. was 7 years, and we were well past the dead-line. she said you have to contact your Attorney or Tax Accountant. I told her your the ones that made the mistake, and that they should issue a corrected 1099-C, She again stated there was nothing she could do, so I requested that she send me a copy of all the account charges and the source, and gave her my new address. After about a month I called back because I had not received the requested information. I spoke to another agent, who informed me they don't have any records of my debt. I then asked the agent if I could speak to their floor Manager, XXXX, who again reiterated that they have no records to send me. I really believe that this debt can not be legally collected, then it can not be cosidered forgiveness of debt. I have been retired for 7 years, and this much implied income will cause a real strain on my finances. 

Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX, bal. {$4100.00}, XXXX XXXX bal. {$4500.00}.
Product: Mortgage

I'm trying to refinance my home and I requested the payoff from my current mortgage which is Carrington Mortgage over one week ago and it seem that they are not interested to provide it. I called this morning to ask about it and I was told that they will provide it from XXXX to XXXX business days. That time frame already passed.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the remaining unauthorized hard inquiries still present on my credit report, despite my initial dispute last month. While I appreciate that many of the disputed inquiries have already been removed, there are still some that remain ( XXXX  XXXX ). This hard inquiry was not authorized by me and were reported without my written consent, violating my rights under the Fair Credit Reporting Act. Under 15 USC 1681b, credit reporting agencies are required to ensure that all reported inquiries are made with a permissible purpose. Since I did not provide any written authorization for these inquiries, their continued presence is a clear violation of this requirement. Additionally, under 15 USC 1681e ( b ), Equifax is obligated to ensure maximum possible accuracy in the reporting of credit information. The failure to remove this hard unauthorized inquiry despite my prior dispute demonstrates a lack of diligence in meeting this legal standard. Furthermore, under 15 USC 1681n, Equifax may be subject to liability for statutory damages due to willful noncompliance.
Product: Money transfer, virtual currency, or money service

Ive been trying to link XXXX to my Bank account PNac Bank and it keeps pushing me out and not allowing to authorize the linkage
Product: Money transfer, virtual currency, or money service

Since XX/XX/2018 I have been unable to access the " Bill Pay '' feature of my three accounts with XXXX XXXX XXXX. I have called multiple XXXX numbers, gone to the local branch several times, called the branch many times since XX/XX/XXXX when their system was supposed to be back up and usable. As of this morning, XX/XX/XXXX the Bill Pay function is still down. I am unable to tell if the automatic monthly bills will be paid at the first of the month. If they bills are not paid, as they had been in the old system, it could damage my credit report. 
All my calls, except the ones to the branch, have been recorded by the bank. They should have the support documentation if needed.
Product: Debt collection

Citi-corp has sent a garnishment to my employer for some carpet that was purchased over ten years ago that was not in both my name and my ex husband name, XXXX XXXX XXXX never received any paperwork or anything from this creditor. This account is not on any of my credit reports. How can they garnish my wages when ive never received anything from them for court. Thank you in advance for helping me resolve this matter.
Product: Credit reporting or other personal consumer reports

Someone tried opening these account in my name. 
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: Student loan

In XX/XX/XXXX I received a notice indicating that i needed to recertify my income to continue on the PAYE program by XX/XX/XXXX. I submitted my documentation before the deadline and waited for FedLoan Servicing to process my application. I followed up because it seemed to me taking a long time for them to process. I was informed that it would be processed within the normal 3-4 week time period. I informed them that they needed to be sure they certified it timely because I could not afford my payments if they were not based on my income. On XX/XX/XXXX - a month after the deadline and well after I submitted it- they notified me that my application was incomplete because I did not check off the single borrower box. I reviewed the document that I submitted and confirmed that I did fill it in. I called to ask and they told me to just resubmit and fill it out again, so I did. They drug their feet again on processes the reapplication and I again emphasized that it should be processed quickly because I could n't afford the full loan payment amounts. They took even longer to review this. I called several times to see what the delay was and they said it took a while. Even in XX/XX/XXXX they still had not reviewed my resubmission of an application I previously submitted as complete. I had to call several times. In a XX/XX/XXXX phone call they told me that the application normally took 7-10 days to process, so I was unsure what the delay was. I called again on XX/XX/XXXX because it still was not reviewed. They FINALLY said they would run my application expedited. In the meantime, my payment was due at the full amount since they drug their feet so slowly and put me through the ringer on getting this application processed. I got an e-mail to pay at the full amount and called to see what was happening with my application. They informed me that that same day I got my bill I was approved, but that I would have to pay the full amount since it magically did not get approved until then.During this call, they said they I would have to pay the full amount ( almost triple what I owe on PAYE ) that month. They suggested that I forbear on the account, saying that many consumers like this when they are in PSLF because it makes their payments lower because the loan will be bigger compared to income. I said I would prefer to pay based on my income. Also, I asked told them that the forbearance was not good because it would tack my interest onto my principal. They never informed me of that, but I knew. I asked if I could get an exception since I did n't want to forebear, and I was in this situation because of their negligence. They said that treasury controls that and they would submit a request to them. It was radio silence and eventually I decided that since they were n't informing me about whether the exception would be granted, I would have to forbear because I could n't afford it. After I finally did this, almost a month after requesting the exception that they said normally took 9-10 days, they contacted me saying I was approved for an exception, but it was too late to reverse the forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all three credit bureaus.Transunion, XXXX and XXXX the inaccurate information they are reporting on two XXXX XXXX charge off accounts from XX/XX/XXXX. They continue reporting a balance on both accounts although these accounts have been charged off since XX/XX/XXXX therefore further damaging my credit when I am trying to purchase a home. I understand that this type of reporting is unalwful per FCRA section 1681. I have submitted letters and have called all three agencies and have been unable to have this inaccurate information removed since XX/XX/XXXX. My last letter was sent XX/XX/XXXX and my last phone call to them was made XX/XX/XXXX. Accounts that have been charged off should not be reporting a balance. They continue to report 10 late payments on my student loans although I have submitted to them a letter from my student loan servicer XXXX that their are no late payments on my loans ( 10 loans ) and they still refuse to update this information. If any additional information is needed to resolve these issues please contact me.
Product: Checking or savings account

I filed a previous complaint : XXXX Bank of America 's Regulatory Complaints notified me the funds would be returned to my account, which they were. However, yesterday Bank of America put a hold on the amount they had deposited. I can not talk to anyone in the Regulatory Complaints department because I don't have the person 's 4 digit extension. I, like a dummy, tossed it out when I thought this issue had been resolved.
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 e-Oscar 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 TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, 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. 

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: Debt collection

XXXX XXXX est. Thursday, XXXX XXXX, 2017 I contact Fox Collection Center via phone and email in reference to an allege debit owed to XXXX XXXX and XXXX XXXX in the amount of {$72.00}. I spoke with XXXX. XXXX XXXX I inform her that I had email Fox Collection Center and XXXX XXXX  and XXXX XXXX a Pay for Delete contract agreeing to pay the alleged debit in full. During the conversation I informed XXXX. XXXX XXXX that I had spoke with the billing department of XXXX XXXX and XXXX XXXX just prior to speaking with her, I inform her that XXXX XXXX and XXXX XXXX had a copy of the pay for delete contract and that XXXX XXXX  and XXXX XXXX was fine with the contract but said I would have to go thru Fox Collection Center to pay the alleged debit because that they are using Fox Collection center to collect the alleged debit. XXXX. XXXX XXXX replied that Fox Collection Center would not review the Pay for Delete contract Nor accept my payment in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Texas XXXX XXXX states that if a tenant is a XXXX XXXX XXXX XXXX and the XXXX is also on the lease then the victim can move without any notification to anyone. Also i am not held responsible for any of the remaining balances. Ive attached a copy of the police report as well as the tenant laws for your records.