23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed Military Star ( EXCHANGE ) over {$8000.00} about XXXX I had not been able to pay because I lost my job house, went through a divorce on ; y SS benefits, began working called made a payment arrangement. I was advised to pay {$770.00}. before XX/XX/XXXX and made a payment arrangement with the company ( Exchange ) to pay {$200.00}. each month. I paid the {$770.00} on XX/XX/XXXX, XXXX I sent XXXX,. XXXX {$200.00}. to the ( Exchange ) company. The ( Exchange ) company turned the account over to a collection agency without sending them proof of the {$1100.00} payments that had been received or the agreement I paid. When I was contacted by letter I was asked to send proof of the payments made from XXXX thru XXXX I faxed the info over to ( XXXX ) the collection agency for Military Star Exchange. Last month the rep at Military Exchange sent to the Treasury a offset of my social security and now my retirement benefits. When the letter was received from them ( Exchange in XXXX the balance was over {$9500.00} or a little more. however when they reported it now over XXXX. The company ( XXXX ) referred me back to military exchange because nothing is being reported as paid to the credit bureaus as payments or received. I kept my end of the paying agreement however the Military Exchange started an offset I am unable to reach anyone at the IRS to speak about the offset. I agree the debt is mine but the balance is not correct and why I cant get answers about the account the collection agency was not aware payment had been made. Please help if they are taking the offset why did they make the payment arrangements. I would like payments received reported to the credit bureau with my explanations. I would like the balances corrected and for them to send me an audit of the account because it clearly is incorrect. It cant be legal to offset and collect payments from the debtor. XXXX is the collection agency for the Military Exchange I can fax in Proof of the letter I received regarding the balance and receipts of postal money orders paid to the Military Exchange Respectfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) by not conducting reasonable reinvestigations of disputed information on my credit report. Despite providing evidence and filing multiple disputes, Experian has failed to take corrective action, leaving inaccurate or unverifiable accounts unresolved. 

This failure is consistent with the allegations in the CFPBs recent lawsuit against Experian, which cites systemic issues, including : 1. Failing to forward consumer-provided evidence to furnishers.

2. Accepting unreliable or unverifiable responses from furnishers.

3. Failing to provide adequate dispute outcome notifications to consumers. 

These issues align with my experience. Below, I have detailed the accounts I disputed and Experians inadequate response : Disputed Personal Information Correct Name : XXXX XXXX XXXX ( accurately reported by other credit agencies ). 
Incorrect Names : XXXX XXXX, XXXX XXXX XXXX. 
Correct Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 
XXXX XXXX XXXX, XXXX, NY XXXX ( missing apartment number ). 

Disputed Accounts 1. XXXX XXXX ( Account # XXXX ) Before Dispute : Updated during dispute processing in XX/XX/year>. 
After Dispute : Updated again in XX/XX/year> with no substantive changes or reinvestigation evidence. 
2. XXXX XXXX XXXX Before Dispute : Updated during dispute processing in XX/XX/year>. 
After Dispute : Updated again in XX/XX/year>, but no corrections or verification details were provided. 
XXXX. XXXX XXXX XXXX ( Account # XXXX ) Before Dispute : Updated during dispute processing in XX/XX/year>. 
After Dispute : Updated again in XX/XX/year>, yet inaccurate information remains unresolved.

Nature of Experians Violations Experians actionsor lack thereofdemonstrate : No meaningful reinvestigation or verification of disputed information. 
Failure to forward evidence provided by me to furnishers. 
Unjustified reliance on unverifiable responses from furnishers. 
Non-compliance with FCRA requirements to correct or delete inaccurate information. 

These systemic failures have caused ongoing harm to my credit standing, including reduced creditworthiness and financial stress.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX BANK and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

1. On XX/XX/year> morning I wanted to make a transfer, but I couldn't gain access into my app. Tried in the afternoon, same thing. Couple of hours later I tried via my laptop browser, same issue. I assumed it was a network issue. Moments later, I received a notification from XXXX XXXX, stating that my WellsFargo App has been disconnected from XXXX. 

2. I feared my account had been hacked and I promptly called WellsFargo customer service. 

3. After much transfers, I finally spoke with a XXXX in Loss Prevention unit. He said they decided to terminate the banking relationship due to suspicious activities on my account which they deem risky. So, they decided to shut my account and will on XX/XX/year> send me a check for any balance therein. 

4. I asked for specifics. He said they observed that the account routinely received XXXX payments which I used up almost as soon as it hits my account. 

5. I asked if there's any rule that stipulates how long funds should stay in my checking account before being used. He said there's none, but they considered my activities suspicious, and risky to their operations. 

6. I asked if they : A. Deemed it fit to seek explanation from me about their observation. 
B. Realize that over 95 % of those XXXX transfers were made from my personal salary account with another bank. 
C. Deemed it necessary to notify me in advance, about their decision to shut my account, or indeed, notify me after it had been shut. 

7. To each of these 3 questions, his curt response was : " That's no longer relevant at this point, we have decided to terminate the banking relationship ''. 

8. I then said fair enough, you can choose who to do business with. However, you can not ( without a court order ) hold on to my funds for 2 weeks under any guise. 

9. He responded : " I'm not going to entertain any argument with you on this, the decision has been made ''.

10. I said okay, asked for his name, and thanked him for his time.
Product: Credit card or prepaid card

I have 2 Capital One credit cards. I had 3 at one point, that were all used and paid on time. Earlier this year my card were restricted. I contacted Capital one numerous times only to be told that there was an investigation ongoing. After 2 months they eventually told me that the card was approved in error and it must be closed, but that I could keep the other 2 cards. Since that time I have continued to use those cards and pay on time and even received a credit limit increase. Today XX/XX/17 one of those cards was again restricted. I contacted Capital One again and after 2 hours was told my card was under investigation and that it may be closed but that I would have to wait days for an investigator to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX, I was advised by an attorney I consulted that there had been a loading error when account was transferred to XXXX from XXXX. This I was given incorrect information by XXXX. The attorney also stated that although it was their fault and they incorrectly reported to the credit bureau as late, I had to pay the installment I was told by XXXX not XXXX pay on XXXX of XXXX. The negative reporting began on XXXX of XXXX, when the lender reversed the credited amount. As a result I made the missing installment on XXXX of XXXX. Its only fair that the negative reporting is reversed as the error was on the lenders part.
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

i have 2 credit card through XXXX XXXX XXXX for some reason my card ending in XXXX all 3 credit report agenceys are reporting it closed but its not closed i have spoke with XXXX XXXX customer service rep at XXXX XXXX XXXX and she has tried fixing it but its keeps reporting as closed the account is not closed.
Product: Debt collection

I was flown by helicopter to XXXX XXXX in XXXX. After passing out unconscious from medical complications with my XXXX. Im just not receiving garnishment letters from a company called Tiffany & Brown law firm. The garnishment had anesthesia on it. When I try to look up the company for the anesthesia its saying it is out of business. Considering the medical state I was in my mother was with me during this tragic situation and signed for financial assistance in the hospital. Because I didnt have insurance according to them I was suppose to recieve help. Im just getting my life on track. I have been sick since XXXX. Just receiving a XXXX transplant in XXXX of XXXX. This bill is from XXXX  years ago. I need help figuring this out. The garnishment bill is for around XXXX. Then they sent another bill claiming it is now around XXXX. These tactics seem unlawful. The bill was suppose to be taken care of. I can not afford this life is already hard enough now a medical bill from XXXX is trying to ruin my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX last year that I pay {$99.00} a month to remove all negative items referencing my previous CHXXXX Bankruptcy which is Officially Discharged and paid in Full on XX/XX/2017. They are having No success with the three reporting bureaus. XXXX, XXXX   and Experian is reporting negative items incorrectly and should be removed or updated. They have duplicate items. Since the 3 reporting bureaus report information about consumers to a CRA, they are subject to the FCRAs Furnisher Rule, which requires that : 1 ) information that is furnished must be accurate and complete ; and 2 ) consumer disputes about the information you provide must be investigated.
Product: Credit card or prepaid card

Kohls Department store is reporting on my XXXX credit report incorrect information. I was never late with any payment. Ive been with Kohls since 2012 and never had a problem. It was reporting a late payment from almost 2 years ago. I immediately contacted corporate office of Kohls to discuss and rectify this incorrect information. XXXX has since corrected the problem but XXXX and XXXX have not and it is affecting my credit worthiness and credit score in a negative way. Ive disputed this numerous times and have also contacted Kohls Department store again. This should have been corrected on my reports awhile ago.
Product: Credit reporting or other personal consumer reports

My complaint is with pentagon federal credit unionXXXX XX/XX/XXXXXXXX  my mother XXXX XXXX XXXX passed away.After we informed Penfed they locked up her accounts which were in her name, my name only being on the checking account.The nature of my complaint is that my mother had a credit card that had a balance and they have put it on my credit report via XXXX as a delinquency. I never entered into any agreements or signed or consented to anything related to her credit card.The account in question was opened in XXXX when I would have been XXXX XXXXXXXX XXXX .My brother XXXX XXXX XXXX decided to be the executor of my mothers will .She died with very little and the estate was non probate.Penfed refuses to speak with me on this matter unless I obtain a " certificate of small estate.Im not the person handling, they refuse to speak to my brother also. 
They have long since been sent a death certificate and still mail bills in my mothers name as well as collection letters. 
I need my mothers credit card and accounts removed from my credit report, as they have already caused me financial hardship. 
Please assist in any way possible.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

The following items I am disputing are the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.
Product: Debt collection

XXXX XXXX, representative from Midland Funding , LLC contacted me numerous times between XXXX XXXX - XXXX, 2015 requesting payment for a debt. XXXX requested I make a payment and I refused because I had not received validation of the date. I inquired about a settlement without validation and was told by XXXX that I had to give him my bank account information before they could make offer a settlement. I declined to give him my information and requested a settlement in writing and was again told that he could not give me a written offer until he had my bank account information. I declined giving him my information. In XXXX 2015, they reported the collection to the credit agencies.
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX XXXX dba Mr. Cooper completed a loan modification on our primary mortgage. The modification was offer to us because NationStar levied an amount of {$17000.00} as an outstanding amount due immediately after the discharge of our chapter XXXX bankruptcy ( 60 months ) on XX/XX/XXXX. We original had 10 year fixed arm loan with ( XXXX but sold to NationStar ). NationStar was unable to adjust payments after 10 years because of the bankruptcy court ordered payments. On XX/XX/XXXX we contacted NationStar & informed them of discharge. They sent us a demand letter for immediate payment of {$17000.00}. We still don't know how this amount was established but payment was due immediately. We tried to work out payment plan to pay this amount by installment payment but was refused. What we were offered was a loan modification which we gladly accepted. Never were we informed that it was a hardship loan. No documentation received indicated Hardship Loan. We are now trying to re-finance our loan but NationStar is informing our lender XXXX that the modification was a hardship loan. The loan modification was offer to us by customer service rep & we were never informed it was a Hardship Loan. We are about to be turn down a second time because this modification has been labeled Hardship.
Product: Credit reporting or other personal consumer reports

I would like to clarify that I, XXXX XXXX, did not authorize any inquiries or applications for credit with Toyota Motor Credit Corporation, nor did I provide consent for the use of my personal information in such a manner to anyone or other party on my behalf. It is concerning to me that my personal information was used without my consent, and I would like to address this matter promptly. Furthermore, I dispute the accuracy of your statement that I initiated an application on XX/XX/XXXX, as I have no record or recollection of such an action. I did not conduct any purported verification process or conversations with your agents regarding this application, and I deny providing any personal information for this purpose. Your inquiry on my credit profile is fraudulent. Please provide me with any documentation that support your assertion that I initiated an application or provided consent for the use of my personal information. Additionally, I request that you cease any further inquiries or use of my personal information without my explicit consent. According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character I am requesting proof of authorization submitted by myself to the company Toyota Motor Credit Corporation giving them permission to legally report on my credit profile. Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX, and other applicable laws. From my records, I have not given them permission to do so. They are reporting information to the credit bureaus and public records without my authorization. I've mailed them XX/XX/XXXX requesting this information to be returned within 30 days and have not received any letter via mail as requested back. Under the FRCA, they are required to do so and have not done so. As a result, I am requesting they remove the information provided to them illegally from their records and to companies as it is unauthorized by law. 
I will take further action if necessary to protect my rights and interests in this matter. I look forward to your prompt response and resolution of this dispute. Thank you for your attention to this matter.