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

I am rewriting to formally address multiple unresolved issues with the information on my credit report, despite previous communications and disputes I filed regarding inaccuracies. I initially reached out to EXPERIAN to correct discrepancies in my credit report, including errors with the dates of last payments, dates accounts were opened, payment history, and account status. After providing you with supporting documentation, I was assured that an exhaustive examination had been conducted. 
However, as of today, my credit report remains unchanged, and the errors I reported are still present. Furthermore, I have noticed that negative actions have been taken on my credit report, despite the unresolved inaccuracies. My full name is XXXX XXXX XXXX, and my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
My date of birth is XXXX a consumer, I have the right to dispute inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act ( FCRA ). Under XXXX XXXX. XXXX ( b ), EXPERIAN is required to maintain reasonable procedures to ensure the accuracy of the information provided. Since I submitted clear evidence of inaccuracies, your failure to correct these errors constitutes a violation of this requirement. Under XXXX XXXX. XXXX, when a consumer disputes information on their report, EXPERIAN must investigate the dispute within 30 days. It has been over 30 days since I filed my dispute, and I have not received any update or resolution. This delay in investigation and failure to provide a clear response is a violation of my rights. Additionally, under XXXX XXXX. XXXX ( a ), my right to privacy is protected, and under XXXX XXXX. XXXX, a consumer report can not be furnished without my written consent unless specific exceptions apply. If any information from my credit report has been accessed or shared with third parties without my explicit consent, this would also constitute a violation. I ask that you confirm whether my written consent was obtained for any recent report disclosures. As part of my efforts to resolve this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX. I trust that EXPERIAN will cooperate with the FTC in addressing these issues, as required by law. To resolve this matter promptly, I request that you conduct a thorough reinvestigation of my credit report, specifically addressing the inaccuracies in the dates of last payments, dates accounts were opened, payment history, and account status. I also request that any erroneous information be corrected or removed immediately. Furthermore, I ask for a detailed written response outlining the steps taken to correct these inaccuracies and actions taken to ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will be forced to consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and a resolution within the legally required XXXX timeframe.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$700.00}
Product: Credit reporting or other personal consumer reports

Dispute received by experian on XX/XX/2023 Dispute results received XX/XX/2023 no investigation took place no documentation provided Experian is NOT investigating just rubber stamping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on inquiry that I dont recognize and XXXX told me that the information must remain on report for two years. I have tried getting this info removed several times now.
Product: Student loan

I paid off my school loans XXXX of balance {$9700.00}. 

I called requesting a refund with the new laws on XX/XX/2022. Since the I have called on XX/XX/2022 and XX/XX/2022 asking for a note confirming my request and getting an update on when Ill get my refund to be able to qualify for the federal student loan forgiveness. 

This is unacceptable to hold my funds for this long as a refund unless they are going to pay interest on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
XXXX  states late 120 days. No other agency is reporting this XXXX  show no data on 2 yr pymt history XXXX show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Voluntary Discontinued of Chapter XXXX Bankruptcy FILE # XXXX Docket # XXXX To Whom It May Concern : Fair Credit Reporting Act 1681c relating to bankruptcy dismissal. XXXX Federal Courts of Georgia dismissed this case and does not exist in the eye of the law as it has been adjudicated. Therefore, you have no right to maintain information which the government deemed nonexistent. Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and me an updated copy when this action is completed.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B, it is illegal to report information on my credit report without my permission. These companies were not given permission to access my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. Startes 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 instutions
Product: Vehicle loan or lease

Harley Davidson Financial Receive calls 3 or 4 x daily 7 days a week, sometimes more. I block the calls but still receive calls. I am behind but this is no reason to call several times per day. I am a XXXX XXXX and it is dangerous to use the phone while XXXX even with a headset. 
I have all the call records if needed
Product: Credit reporting or other personal consumer reports

In [ Month, Year ], I discovered that my credit report contained inaccurate information related to late payments and incorrect balance details for XXXX XXXX XXXX XXXX. Specifically, the following issues were identified : Inaccurate Late Payments : On [ Date of Late Payment ], my account was incorrectly reported as being XX/XX/year> days late. However, I made the payment on time, as evidenced by my bank statements, which show that the payment of was processed on. 
Despite contacting XXXX XXXX via phone to dispute this error, the late payment was not corrected on my credit report. I have also provided proof of on-time payment in the form of bank transaction records and confirmation emails from the creditor. 
Incorrect Balance Information : My account balance was inaccurately reported as {$140.00}, while the actual balance was {$0.00} according to my statements. 
I contacted XXXX XXXX to request a correction. The representative acknowledged the discrepancy and assured me it would be updated. However, subsequent credit reports from [ Experian/XXXX XXXX  continue to reflect the incorrect balance, affecting my credit score and overall creditworthiness.

Despite multiple attempts to resolve these inaccuracies directly with [ Name of Company/Creditor ], no updates have been made to my credit report, and the erroneous information persists.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020, I refinanced an auto loan with XXXX in order to get a better interest rate. The original loan was with them also. I received a new loan rate of XXXX. When I looked at the refinance documents, it showed a credit score of XXXX from Experian. I have an Experian account and knew that my credit score was XXXX. 

When I contacted XXXX to see if they used additional or different scoring from Experian, they said they did not. They took it directly from Experian. I checked XXXX XXXX credit reporting, and the score was XXXX. 

Since all payments were on time, and this was the only credit bureau they used ( score is higher for XXXX and XXXX ), I want to know what factored into this score and this interest rate.
Product: Checking or savings account

My Bank BB & T truist illegally forced debit money out of my checking account my understanding is that is a force debit which is illegal.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PENN CREDIT CORP Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious PENN CREDIT CORP Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. 

SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report a late payment on XXXX that is not accurate. Neither consumer agency has sent me any documents that proves I was indeed late with these payments. I have repeated asked for what method they used to verify this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING is reporting a fraud account on my credit. I didnt open this account and I am not responsible for it. Please suspend all activity on this account and remove it from my credit. Please see the attached Federal trade Comission report and my driver license.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX  in accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXX XXXX XXXX XXXX XXXX Experian is reporting late payments with XXXX XXXX XXXX  XXXX experian did not properly verify this account. I'm requesting Experian to remove late
Product: Debt collection

Asked company ( XXXX ) for Verification of the Debt which included ; a written notarized letter verifying the debt amount, the original creditor, and the account number associated with the debt. Proof of Authority : Provide documentation that demonstrates your agencys authority to collect this debt, including the original credit agreement or contract with my signature. Detailed Account History : A detailed history of the account, including all charges, payments, and any adjustments or corrections made. Proof of Ownership : Documentation proving that you have purchased or been assigned the debt from the original creditor.
Product: Credit card or prepaid card

American Express closed my " blue cash cash everyday '' credit card in XX/XX/2020 due to non usage for 12 months, 5 months of that falls during the pandemic. My balance on the account was {$0.00} ( i owed nothing and if anything i made an extra {$33.00} payment and American Express owes ME money ). My family and I have been hit hard by covid19 because we are in the XXXX  business and no parties/events are allowed in my area until further notice. They failed to present me ant type of terms of agreement or a clause that states during pandemic or covid19, card usages will be counted as normal and will count towards non usage. They have damaged my credit score and credibility by taking the wrong action and when i contacted them, they could only apologize for their mistake, even though one representative tried to reinstate my account ( after i told him that i will file a complaint with CFPB ) but told me i have to call another number to see if im eligible. They are giving me the run around for their mistake and refuse to help to defuse the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet. I never received any information validating this is my debt. I have filed a complaint with Attorney General office, CFPB a BBB.
Product: Mortgage

I lost my job in XXXX I called Nationstar to tell them. They said to make payments when I could. I was unable to. I had a problem getting unemployment & assistance. In XXXX XXXX I got full time & called to tell them I had received full time & would be able to make payments regularly again. I later learned it was the day after I called, they foreclosed on me. But, unaware at first of my foreclosure status we discussed a loan modification. It took them from XXXX to finally sort out & finally accept my paperwork making me redo & resend documents several times. Made a payment in XXXX XXXX ( got sent back 3 weeks later ). XXXX XXXX XXXX payment, they kept that. When I went to pay XXXX I was unable to. I was told my modification packet had expired. Needed a new XXXX every 90 days. In XXXX I spoke to a law firm that said it was up to me weather or not to pay them. That I could wait til I 'm served & they would handle it from there. On XXXX I sent in a modification packet, I called on XXXX to check in the status I was told at that time my home was to be sold at auction on XXXX. I was told all through out this time there was nothing to worry about, no sale date, I was even told by XXXX representative to go ahead & put a new roof on my house ( I did not do that ). I called the courthouse I was told they tried serving me but they did an avoidance waiver on me. Apparently, I 'm not allowed to work. I was then informed the man I bought my house from 15 years ago & have n't spoken to since was served. When I asked why he was served no one could answer that question for me. I still do n't know why til this day. So, the court went ahead because according to them someone involved in the case had been served even though no one had. I was sent a letter dated the XXXX from Nationstar saying if they had received my packet 15 days prior to the sale date they could have helped me ... they received it 14 days. Since then I have not received an eviction notice, but the new owners have started renovations on the home with some of my property still in it. I lived in that home for 15 years & paid on time until I lost my job. I am lucky to have a place to go with my XXXX yr old daughter, many are not quite so fortunate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked with XXXX XXXX XXXXXXXX who have both informed me they did not share information with the credit bureaus about a bankruptcy, bureaus stated they received them from these companies which I know to be false and per the fair credit reporting act these should be removed
Product: Money transfer, virtual currency, or money service

I opened a Venmo account, and linked my bank account and some other card accounts back around XX/XX/year>. I did not use the account very often, nor did I regularly store any money in there or make payments to others. I used it only in the event that I needed to because I was requested to use Venmo, or Venmo was the easiest, most efficient transaction available. In XXXX, after I transfered some money from my own bank account into Venmo, almost immediately after the money was received in, then Venmo decides to freeze my account and tell me there was nothing they could do about it and I would have to wait 180 days for the funds to be returned. I tried to patiently wait, but by holding these funds they forced me into some challenging circumstances with a brand new baby at home. I contacted them twice throughout the summer to see if enough time had passed for them to release the funds, and explained to them again that the money they were holding came directly from my own bank account in my own name, and that I needed that money to provide for my family. They would not budge. The 180 day mark is either quickly approaching or has already passed, and I reached out again to know exactly what day the funds would be accessible to me, and how they would be made accessible to me. But, Venmo has not responded, and I am worried ( from seeing the enormous amount of people who have posted nightmarish similar stores online ) that Venmo will drag their feet and/or decide not to return the money at all. I know there are bad actors out there, but it really seems that this is happening far, far too often - surely there must be something that can be done to stop Venmo ( and its brother, PayPal, and all the other horribly, shamefully, disgusting greedy companies ) from doing this to people. And, if they do, they should have to provide at least a basic explanation and be held accountable when they don't return the funds. There is no way that the many thousands of poeple affected by Venmo 's policy are acting in bad faith. Just because Venmo cries " security '' doesn't mean that consumers ' rights are flushed down the toilet. Consumer protection is also a pillar of our economy, but its quickly crumbling becuase we let these large corporations get away with such blatant acts of theft, disrespect, and dishonesty.
Product: Mortgage

I am selling my house as a " short sale '' and an offer was made on the house in XXXX. However, the financial institution ( Bayview ) has not made a decision to accept the offer. It has been five months and I am in limbo and would like to move forward. Thank you.
Product: Credit reporting or other personal consumer reports

I recently put a copy of my credit report and realized that I have fraudulent activity. below are the fraudulent accounts that need to be removed off of my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I XXXX XXXX have begun receiving LATE FEES for loans that should be in a deferred status until my children graduate. They are both enrolled in college actively since fall of XXXX. I received a letter from MOHELA stating payments will begin fall of XXXX, which is incorrect as the loans were set up with DEFERRED payment until they graduate. I spoke with a representative after receiving that letter telling me I would continue to see that notice, but the status would change AUTOMATICALLY. I called and spoke with agent XXXX today and asked to speak with a supervisor to clarify, was put on endless HOLD and could not reach a conclusion. I am currently getting LATE NOTICES on my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Capital one Account number : XXXX Closed on XX/XX/XXXX Subject : Dispute of Incorrect and Unauthorized Account Information Under 15 U.S.C. 1681b To Whom It XXXX Concern : I am writing to dispute the reporting of an account on my credit report associated with Capital One, account number XXXX. After reviewing my credit report, I believe this account has been reported inaccurately, and I am requesting an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). 

Here are the details of the disputed account :
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX in XXXX Alabama is attempting fraud with the USPS postal service. XXXX  XXXX XXXX opened a XXXX XXXX in XXXX Alabama with my exact XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. This is after I reported that there was an attempt to cash several checks that were sent to XXXX Alabama. The Banks were Wells Fargo and XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX is now the recipient of my mail, instead of mail being received at XXXX XXXX XXXX XXXX, Alabama XXXX, the mail is sent to XXXX XXXX XXXXXXXX XXXX Al. XXXX. Recently, Wells Fargo updated the information on what is supposed to be a closed account. Wells Fargo updated the phone number and the bank account number. Wells Fargo in settling our previous dispute of opening checking accounts and cashing checks was suppose to refund the fraud money and of course they did not. Instead Wells Fargo sent information by mail stating that I owe them money. Now the plot thickens in an attempt to direct mail to XXXX Alabama by way XXXX  XXXX XXXX.