23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Experian and XXXX XXXX XXXX XXXX XXXX both refuse to follow FCRA governing law when it comes to repeated dispute I've filed during the past 13 months to have XXXX remove a collection that is wrecking my credit. 
I read the FCRA U.S.C sections 1681 and 611, and what rights they afford the consumer to dispute a debt and have it removed from my report. In response Experian simply keeps saying " debt verified '' rather than providing a proper response based on the requests I've made. I consider the debt being fraudulently reported as a result. As the consumer I have the right to request certain information regarding a collection reported against me such a valid contract or agreement as prrof that the debt is owed to the collection agency. I do not have any contract with XXXX so I do not by law owe them anything, and according to section 1681 if a consumer challenges an account that account can not be reported unless it meets the " exceptions '' subsection. Also when the consumer requests response for specific contractual info validating the debt is owed to the collector, section 611 supports the consumers request in which XXXX / Experian must properly respond to the dispute with information stating their position, and refuting my claim. The only response from either is the debt is valid - never a response refuting the FCRA laws I've cited. I am preparing to take legal action as the lead plaintiff in a class action lawsuit given the amount of complaints filed against Experian demonstrating their egregious behavior. They have become more of a solicitor for lenders, promoting predatory financing than an agency adhering to governing law and protecting the rights of the consumer. Their global business model is profit over consumer rights. They lack transparency - the consumer has no idea what CRAs are doing in the backgroung to properly investigate a dispute and inform the consumer. This needs to stop and I hope the CFPB will back me up on exposing who and what Experian really is and their egregious practices. Finally, their practice is to use delay tactics wherever possible. Not once have they responded to me that I have mis-cited the law. Not even their legal department, which I've also sent correspondence to, citing governing law.
Product: Checking or savings account

I have open a Disput back on XX/XX/year> and report that my ATM card was losst i\ they made few charges and widraw out XXXX {$520.00} XXXX {$520.00} XXXX {$290.00} XXXX {$290.00} all this are XXXX made out of ATM XXXX {$500.00} XXXX {$420.00} XXXX {$92.00} XXXX {$560.00} XXXX {$100.00} XXXX {$61.00} XXXX {$480.00} XXXX {$130.00} all this charges where made whit myu card I have call and open disput on all the charges couple time f XXXX {$480.00}
Product: Debt collection

Me and my husband was buying a car off XXXX ar XXXX  XXXX and we had problems with it since the beginning check engine light was on it stopped turning on every week when I called to get it fixed they didnt have time or we just fixed it so returned the car and they called me everyday threatening me that they were ruin my credit score and take me to court the guy that sold it to us was XXXX this was year of 2015 I told them to stop calling me and they didnt listen they said we going to take u to court and I told them lets go then
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in XXXX I reviewed my credit report, & saw a charged-off account with XXXX XXXX. I do not particularly remember this account. I have tried on numerous occasion to verify & validate that the information reported is in fact mine. 1 year of constant letters to Transunion & XXXX XXXX with no response, resolution or a explanation. Transunion & XXXX XXXX never put my account as in a dispute status, which tells me they just threw my correspondence in the trash, didn't even care to answer my legal rights. This is the last place I am reaching out before I get a lawyer involved to help me. To this day the account is reporting as open since XXXX, I dont even know what it is for.
Product: Checking or savings account

My grandson, XXXX XXXX, contacted me to inform me that Wells Fargo is closing both his account and our joint account as a result of fraudulent activity on his personal account and his relationship with the joint account. 

When I called in regards to this matter, Wells Fargo stated to me that the only way that I can keep this account open is that my grandson and I go into the branch together to have his name taken off the account. I stated to Wells Fargo that due to my XXXX, I would not be able to drive the distance to XXXX XXXX, California from XXXX XXXX, California, which is approximately 1 hour and 45 minutes drive because of my sleeping condition, and even if my grandson could come out here, I asked if I could go into my local branch and remove my grandson from the account as an accommodation due to my XXXX, and the representative put me on hold. When she returned to the line, she said that unfortunately, the only way is for you both to come in at the same time. 

My grandson attempted to visit his local branch, but Wells Fargo refused to withdraw his name from the account, stating that he would need to schedule an appointment and that I would need to accompany him. 

I made a third attempt calling in and explaining my situation to one of the representatives, she stated to me that the only way that I will be able to keep the account open is if my grandson went into a branch, and I went into a branch at the same time, which does not sound reasonable as what I stated to her, I stated to her that because of my medical appointments and XXXX  condition, I would not be able to meet at the same time, If my grandson would be able to come out to me, The representative then told me there was nothing else they could do. I contacted the Wells Fargo complaint department and spoke with what I believe to be a Wells Fargo advocate, who stated that he would be able to assist me further with my complaint. 

I gave him all of the information with my grandson on the phone, and after we spoke, he stated that he had contacted the department in charge of the account and that there was nothing he could do to help me, but he was able to accept my complaint. 

Finally, Wells Fargo stated that they would give me until XX/XX/2024 to resolve the issue and get my grandson to sign off on the account process. 

All of my deposits have been blocked. My hardship, my work paycheck, which was sent to Wells Fargo for deposit, was blocked and returned to the employer. 

I was unable to obtain food, XXXX XXXX, and gas to travel to and from work and medical appointments. I explained all of this to the complaint department and will proceed.
Product: Debt collection

-Continuous calls from random numbers even though I told them I have tried to get finances in order so that I can actually pay. Called family members using the same language. Refused to tell me the organization they were calling from. Continuous calls very early in the morning.
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. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Transunion, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, DEPT OF ED XX/XX/XXXX Transunion, XXXX XXXXTransunion, XXXX XXXXXXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX, XXXX TRansunion XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion, XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion, XXXX XXXXXX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/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.
Product: Credit reporting or other personal consumer reports

Dealing with Discover. My payments were not late that they are reporting to all three credit bureaus. I was on a payment plan. I used this card for business that was affected by covid and have been trying to pay it off ever since. I have made consecutive payments and most recently they are reporting I was late with out any notification. I have paid the entire balance in full and yet it is still reporting negative in month of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I have discovered fraudulent credit inquiries on my credit report that I did not authorize. Pursuant to 15 USC 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I request that all accounts and inquiries related to this incident be blocked and deleted immediately to protect my personal information from further misuse. 
The fraudulent inquiries are as follows : 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 XXXXXX/XX/year>
Product: Student loan

I called EdFinancials customer service line on XX/XX/XXXX to ask for a refund to be processed of the payments ive made since XX/XX/XXXX. They had told me they submitted the request, but I did not get any form of verification or notification that the request had been made. I spoke with others who have dealt with EdFinancial, particularly with refund requests, and they explained that its taken them several weeks to months to get the refund while other Student Loan Companies are returning the refunds within two weeks. They suggested I inquire with the CFPB to ensure the refund request has been submitted. 

The amount requested to be refunded was ~ {$540.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXXXXXX XXXX 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

I sold my home at XXXX XXXX XXXX XXXX, XXXX, Virginia XXXX on XXXX XXXX 2020. The funds from the sale of the home were used to pay off my mortgage with Cardinal Financial XXXX XX/XX/2020. After closing, I have an escrow refund due to me in the amount of {$590.00}. I have spoken to customer service agents on 5 different occasions. They all say that their records show that a refund check is due to me and that it has been sent but they can not give a routing # or any specific information about when it was sent. I have received other mailed information from Cardinal Financial but no refund check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Sunrise Credit Services Inc notified me that a XXXX bill is overdue for {$1700.00} ; I called them 3 times and said it is NOT my bill, it is my son and daughter who kept XXXX ; I left them in XX/XX/XXXX and went to XXXX XXXX ... My tel number was an d is XXXX.. Th ebill they send as proof was not my number. I NEVER SIGNED A CONTRACT WITH XXXX. Someone forgeed my name on papers they sent me. I offered my licence as proof.

They never reponded after 2 disputes in XXXX XXXX XXXX.
Product: Credit reporting 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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

XXXX some dollars from a Citi XXXX force closed in 2012. They contacted my mom and sister as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out numerous times regarding these accounts listed on my Credit profile. There are XXXX accounts listed which are invalid. Each time I have submitted a complaint the response says that the debt has been at this time I am strongly considering contacting a lawyer about this issue. There is no reason that XXXX and Experian are not checking the actual validity of the debt.
Product: Money transfer, virtual currency, or money service

A phishing account was created on Venmo. This phishing account was impersonated by someone who used my brother 's Venmo account profile picture and username. Me and my brother had previous Venmo exchanges, thus the phishing account used his profile picture and username to request {$450.00} " for a few days '' on XX/XX/2021. The account name and profile picture was exactly identical to my brother 's. After sending him the {$450.00}, the scammer account asked to send an extra {$100.00}. Thinking that this is my brother, I sent the money without questioning it. Within 30 minutes I called my brother and asked why he needed the money, where he stated that he did not ask for that money. I immediately contacted Venmo and tried to resolve this situation and get my funds back that were stolen from me unfairly. I had money stored in my Venmo account and thus, the money was immediately transferred to the scammer. When I spoke with customer service of Venmo they were not helpful. They said they would transfer my request to someone and an e-mail would be sent. The next day, I get an e-mail stating that I will not be able to receive my money back and that I should try to retrieve the money back by asking the scammer to send me the money back. They also stated that they were not able to assist me further. So I tried to ask the spammer for my money back, and he/she changed their name to a different name or closed the account. I was unsuccessful in receiving my money back. After this, I tried to message them again asking for help, and they ignored me. I have screenshots provided for everything. 

It is unfair that Venmo has very minimal protection for their customers in regards to fraud and phishing accounts. If somebody already has a name and last name and someone is able to create an account using their exact name, is very low security and protection to customers that use Venmo. 

The same scammer asked my sister for {$300.00} on XX/XX/2021. She sent the money. However, Venmo was able to credit her the money back. We filed a police report together in regards to this situation. I have screenshots of the transactions of the scammer when he was impersonating my brother.
Product: Credit reporting or other personal consumer reports

The credit scores says a 60 day missed payment affects my score. The are no missed payments in the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

JC PENNY is reporting something on my credit that does NOT belong to me! I applied for a credit card with JC PENNY BACK IN XXXX AND XXXX and my credit application was denied. I dont have an an active account with this company nor have I authorized any accounts to be used in my name. I recently noticed a missed payment on my credit report with this company and I dont have nor have I ever authorized the use of a JC PENNY credit card. I called this evening a spoke to a representative in there fraud department this evening,XXXX about XXXX, her name was XXXX ID number XXXX and she confirmed that she couldn't find ANY active accounts with my name associated with there company but only a past application when I applied 10+ years ago ad was denied and no account was established which I confirmed was correct. I dont have any authorized accounts with this company and I want this erroneous reporting removed from my credit report immediately! I filed a dispute with XXXX and that stated the info was valid. I requested the documentation confirming the action they have to refute my dispute today from a representative at XXXX by the name of XXXX ID # XXXXand he couldn't provide any reasoning only stating they confirmed this was my account and that they have determined it was authorized by me. I never authorized my name on this account or applied for this particular account onr have I used this account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX. XXXX + XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXXXXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquirv : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inauiry : XXXX. XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXquiry : XXXX XXXX, XXXX - XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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, and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2023, I used my account on XXXX to charge my wife a necklaces. I paid XXXX dollars extra to get order within 5 to 8 business days. When the 8 business day came, which was XXXX XXXX 2023, I contact company who I ordered from, ( XXXX ) spoke to the same lady XXXX different times before talking to manager to come to the conclusion I wasn't getting my order. I then knew it was time to reach out to XXXX, as I did. XXXX told me in my email they would contact me within 24 hours. They since then fail to do so. The payment for the order is coming up on XXXX XXXX 2023, they expect me to pay for something I don't have. XXXX also going to lower my credit limit and report bad to my credit if I don't pay the payment that is due XXXX XXXX 2023 for something I never got! I never been late on my payments and has build my credit with them. I don't want it damaged and I don't want retaliation against me because XXXX doesn't want to do they job, which is to Investigate they XXXX who they have a contract with for they customers to change off they XXXX account. Order number is XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the " FCRA '' ( XXXX XXXX XXXX ) ( account # XXXX ) has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information because items are unknown to me. 
XXXX XXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, Oh XXXX, XXXX, Oh XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, XXXX, XXXX, OH Unknown TelephoneNumbersReported : ( 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 XXXXviaXXXX   XXXX Partial Acct # XXXX XXXX XXXX partial Acct # XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX