23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/XXXX my Venmo account with {$4000.00} saved in it was frozen for no apparent reason. I had made a payment which I thought would be taken out of my Venmo balance, however it didnt. I then tried to transfer money to my bank to cover the cost of payment. At that time my account froze. I need this account, I needed these funds for payments and bills. I have contacted numerous times, I have been hung up, I have been told they have no idea. My ID had been verified already. I have now been in limbo for 4 days with zero response. I just dont understand what has happened and how they can make it to where I can not use my own money. I am able to transfer my funds out to my personal bank account. My money that I needed is frozen. I do not owe Venmo anything and the only response I have gotten is only an account specialist can help and they will contact you with in 2-3 days. This was on Sunday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a scam credit pull on my report XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : XXXX XXXX XXXX XXXX Can't verify and experian will not take it off
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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: Credit reporting, credit repair services, or other personal consumer reports

XXXX/ XXXX XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX  XX/XX/XXXX. They need to remove XXXX XXXX XXXX XXXX  XX/XX/XXXX fraud ... XXXX  /XXXX fraud XX/XX/XXXX. XXXX inquire XX/XX/XXXX
Product: Student loan

I 've been paying into my student loans for the past 5 years, always on time, and under the assumption my loans would be forgiven after 10 years in public service. Direct loans consolidated my loans and was told I was in public service when they placed me under the wrong repayment plan. They said I was good to go. I called Navient in XXXX 2016, and they informed me I had been paying the minimum payment on a 20 year repayment program and that it did not qualify for the 10 year forgiveness program. They also informed me that I could n't use any of those years of paying towards the 10 year forgiveness. I called Direct Loans after that and they had no clue that I had to be under a 10 year repayment program. It 's my understanding that direct loans and navient are contracted through the department of education. Perhaps in the future all these student loan groups could do a better job with sharing information to ensure those of us who work hard to help our communities are not mislead. It literally makes me sick to think that A. I trusted the wrong person to ensure I was in the program, and B. That had I of known I was n't in the program, I could 've paid more to reduce the cost of the interest with these loans.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable investigation into the XXXX  account dispute on my credit report. Despite providing evidence of significant discrepancies across credit bureaus, Experian has not addressed these errors, negatively impacting my credit score. 

Discrepancies in Account Information Date Opened : XXXX : XX/XX/XXXXXXXX  Experian : XX/XX/XXXXXXXX  XXXX : XX/XX/XXXXXXXX  These dates do not match, indicating reporting errors by Experian. 
High Credit Amount : XXXX and Experian : {$2600.00} XXXX : {$1300.00} The high credit amount reported by XXXX differs significantly from that reported by Experian and XXXX. 
Last Reported Date : XXXX : XX/XX/XXXXXXXX  Experian : XX/XX/XXXXXXXX  XXXX : XX/XX/XXXX Date of Last Activity : XXXX : XX/XX/XXXXXXXX  Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Additional Comments : Experian states that the debt was " sold to another lender, '' whereas XXXX reports the account as " charged off as bad debt and transferred or sold. '' Violations of the FCRA According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian must conduct a reasonable investigation when a consumer disputes information in their credit file. However, Experian redirected me to the creditor rather than investigating the discrepancies as required by law. This response violates FCRA guidelines, as the law mandates that credit bureaus, not consumers, verify disputed information. 
Furthermore, if the information can not be verified within 30 days, the FCRA mandates its removal ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Experian has failed to correct or remove the inaccurate information, obstructing my consumer rights and causing unjust harm to my credit profile. 

Requested Resolution In light of these FCRA violations, I request that the CFPB take the following actions : Require Experian to Investigate and Verify : Ensure Experian conducts a complete investigation, verifying each element of the disputed account with original source documentation. 
Mandate Deletion of Unverifiable Information : If Experian can not verify the account details with the creditor within t

he 30-day period, order them to delete the disputed information from my report. Monitor Experians Compliance : Evaluate Experian 's dispute-handling practices to ensure consumer rights under the FCRA are upheld. 
Supporting Documentation I am including relevant credit report excerpts and correspondence with Experian to substantiate this complaint. 

Thank you for your attention to this matter and for helping protect consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing on my credit report for almost a year now the bureaus have remove some items but some items I know there not verifying at all and it's inaccurate on TransUnion I have a total of 6 Dept of ed that's reporting wrong and hurting my credit on XXXX there's a medical bill that was remove and place back on my account without them notifying me first and there's two repos on all three reports that's reporting different that the bureaus refuse two investigate and XXXX keep reporting a bankruptcy that they refuse to explain how they verifying the item
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some unauthorized inquires on my consumer report. I did provide these creditors or TransUnion my written consent to report these inquires listed on my consumer report. TransUnion is defaming my name on reporting this inaccurate information.
Product: Checking or savings account

On Thursday of last week ( XXXX ) I deposited a check in the amount of {$5400.00} drawn on a regional bank chain : XXXX XXXX XXXX. Equally important, the check was drawn from the account of a title agency in XXXX, Ohio. I deposited the check to Bank of America via their mobile app and it made me aware there would be a hold until the next day. 

On Friday morning I began to pay a few bills out of the proceeds. I accessed my BOA account from my computer only to find the hold had been extended more than a week to Saturday, XX/XX/XXXX. I immediately called customer service to ask why. The first young lady I reached was very helpful and nice, but could not answer my question as to why there was a week hold put on a check drawn on a fairly large regional chain. She transferred me to her manager. His only answer was that Bank of America puts holds on checks for seven to ten days to verify funds, and that the sending bank had not done so. He told that once BOA received verification of funds the hold would be dropped - even if it were before the allotted hold time. Meanwhile, any request for funds that came through would be denied and I would be charged overdraft fees. If I wanted to cover any payments I had made from my account I would need to deposit cash before XXXX XXXX that day. I asked if the deposit could be cancelled so that I could cash the check and bring cash ( there is a XXXX XXXX XXXX a block from my house ) and he said deposits can't be stopped. 

I withdrew {$3300.00} from another bank account I have at a local bank and drove to XXXX to make the deposit at BOA. Along with that {$3300.00} in cash I also deposited a check in the amount of {$530.00} drawn on XXXX to make the total deposit {$3800.00}. That check drawn on XXXX XXXX NOW has a hold on it until Thursday, XX/XX/XXXX!!! The largest bank in the USA and you folks put a hold on the check for six days! 

Yesterday morning ( XXXX ) I went to the XXXX XXXX XXXX which is a block from me and took the check drawn on them. ( I still have the physical check because I deposited it through the app. ) I asked a friend who worked there to see if the check had cleared. It had. ON FRIDAY of last week!! I then called the person who had written the {$530.00} check on XXXX and they, too, verified the check had cleared. Yet, as of today the funds are still on hold! 

I called Customer Service again this morning and got a supervisor. They told me the hold would exist until the date and time showing on the online statement. 

Like anyone else, when I make a deposit I want access to my funds. I currently have {$5900.00} of MY funds ON HOLD for a week with Bank Of America. This is unacceptable. 

According to the FDIC Consumer Compliance Examination Manual, I believe Bank of America is not compliant with FDIC laws.
Product: Money transfer, virtual currency, or money service

XXXX XXXX dollar charges were made from my account. I immediately contacted the service and asked them to cancel these transactions but they have since refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity and opened up 6 different credit cards in my name. My credit reports are currently showing these fraudulent accounts XXXX XXXX  XXXX opened on XX/XX/XXXX and charged off with a balance of {$2500.00} XXXX XXXX XXXX opened on XX/XX/XXXX that has been paid and closed XXXX XXXX XXXX  opened on XX/XX/XXXX and charged off with a balance of {$1100.00} XXXX XXXX XXXX  opened on XX/XX/XXXX currently open with a balance of {$460.00} XXXX XXXX  XXXX XXXX opened on XX/XX/XXXX sold to XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$3100.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$400.00}
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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

Elan Financial - Inquiry Date XX/XX/2022 - This account is not reported on my personal credit report nor did I apply for credit with this organization or this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute request on XX/XX/20 to Transunion to which I did not receive a response addressing my concerns. I followed up with a second dispute request on XX/XX/20 and still have yet to receive a response. This has been an going issue for the past year. Why are they not being held accountable?
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 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

In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

The account in dispute is with XXXX which sold the account to Midland Credit. 

The settlement was initiated in the amount of {$3000.00}. XXXX received a check # XXXX in the amount of {$3000.00} dated XX/XX/2019 on my behalf from XXXX, XXXX. In the note, it references Account # XXXX CT XXXX. 
The check ( # XXXX ) was deposited by XXXX on XX/XX/2019. 
I have a copy of the deposited check that shows proof of payment and deposit. XXXX has refused to acknowledge this payment. I have repeatedly asked XXXX to rectify this matter and they have refused to. Their response is they have to record. 
XXXX illegally sold this account to Midland Credit. They have continued to report false data. I have repeatedly informed Midland Credit that they are attempting to collect a debt that has been successfully paid. This is having an adverse effect on my credit and both companies refuse to properly reconcile this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my Equifax credit report are fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX   XXXX, XX/XX/XXXX, {$1500.00}, XXXX , XXXX . XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX , XXXX . XXXX XXXX, XXXX XXXX/XXXX   XXXX, XXXX XXXX/XXXX, XXXX/XXXX and XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my account and there is unauthorized inquires. I don't recognize the inquires. 

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
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these item are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section XXXX and Section XXXX provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX and XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have been In a constant battle with Experian with getting my information corrected on credit profile, for years now they have mixed my information with my twin sister credit profile and reports inaccurate information to profile all the time. I am now also having problems with them reporting inaccurate / fraudulent company on my credit profile and the have failed to do proper investigation in to company and to get my credit profile corrected. I do not owe XXXX XXXX XXXX and never had a balance with the alleged apartment complex on file ( XXXX XXXX XXXX ) that was cleared, I also provided direct proof to Experian and they have decided to do nothing about inaccurate information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint involving Capital One Bank and XXXX XX/XX/2020 : Filed a dispute with XXXX  and XXXX  regarding my Capital One Secured Credit Card balance. It was not reporting a {$0.00} balance XX/XX/2020 : Was notified via updates to XXXX XXXX XXXX  that my balance had been updated and my score increased by 43 points XX/XX/2020 : Was notified by XXXX XXXX XXXX of a decrease of 24 point, because my Capital One Credit Card account was totally removed from my XXXX  Report XX/XX/2020 : I reviewed my XXXX  Credit Monitoring, and I noticed that my score fell by 42 points and was only reporting one ( 1 ) credit card through XXXX XXXX XXXX. My Capital One account had been removed from my XXXX  Credit Report and upon further investigation, I found that it was also removed on my XXXX  Credit Report Summary : Through multiple attempts in the last two and half weeks, Ive been bounced around by both the lender ( Capital One ) and the XXXX  and XXXX  reporting bureaus. I have not been able to make contact with XXXX, due to the COVID-19 limited call center hours. 

Capital One has informed me that there is still an investigation into my account from my previous dispute even though it is noted on previous Credit Reports that the dispute was resolved. They cant give me an estimated time of when the investigation will be completed at this time, they have stopped reporting any payment history or credit limit on the account form both myself and my husband ( authorized user ). This is hurting my husband and my score and is preventing us from the much needed approval from our mortgage lender. 

We are attempting to gain a pre-approval for a house that is to be built with a completion of XX/XX/2020. 

I have recently received a letter from Capital One, both via email and by physical mail today ( XX/XX/2020 ) stating that they have reported my account information to all three bureaus even though multiple customer service staff have told me that they dont have record of said letter in their files. 

Any help will be much appreciated! 

XXXX XXXX XXXX XXXX **Prior to XX/XX/2020, my Capital One Credit Card was noted as having exceptional payment history on my reports. I also recently received an increase from my {$200.00} limit to {$500.00} within in the last three weeks. **