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

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my XXXX XXXX is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate. 

I've also reached out to the furnisher myself and they mailed me back a letter stating they didn't know what I was disputing so how is that you verified these items that are still showing inaccurate information. Please see attached letter for my proof
Product: Debt collection

I received a call and was not able to answer at the time. The company left a voicemail stating that they are a debt collector and that was the reason for the call. It is a violation of privacy as others heard the voicemail, as well as humiliating for my co-workers heard. It is none of their business and now everyone is aware I have a debt in collections. I have never spoken witht his company previously regarding the debt, ( I assume they just received the account ). There was no attempt to verify my identity before leaving a voicemail that completely violated my private information/debt owed. My complete humiliation could have been avoided if they had left a generic voicemail for me to return the call, then discussed the debt upon my returned call to ensure the chance for me to discuss the matter privately and not publicly.
Product: Student loan

My loan amount was incorrect. Nelnet had me in the 20 year payment plan, then changed me back to 10 year, which is what I had with Great Lakes. Nelnet never changed the amount back to the 10 year amount. I set up automatic payments to pay the 10 year amount. They increased the amount and they did not take out the autopay for the month of XXXX and put it for XXXX. Also I have been unable to talk to anyone. I have called twice and never able to talk to anyone. On hold for over 1 hour and then get disconnected. I am just trying to do what I am supposed to do. I am going to pay this month. They need to fix this ASAP.
Product: Payday loan, title loan, or personal loan

I checked my credit report on my paid prescription of XXXX and its shows a negative status on my XXXX and XXXX credit report with a Navy Federal Credit Union Installment loan from 2014. I contacted them about it and there is no record of it in there system.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX Experian will not allow me to dispute information for accounts listed in my credit file if the account has been previously disputed within some period. Per their website : " You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. '' To be clear, the eOSCAR code may be the same, but may cover a different time-frame than the last dispute. Furthermore, I am forced to the find the best match or use the " other '' field when providing the reason for my dispute. Note that not ALL e-OSCAR codes are available for selection when submitting a dispute. 

The provision is that the dispute may be processed if I upload additional supporting documentation. Experian 's system rejects ANY PDF or TIFF document I may upload and issues error : " Important Note : We were unable to upload your document ( s ) successfully. This site will accept up to XXXX documents in PDF or TIFF format totaling XXXX megabytes. Please review your request and try again. You may also submit your documents by mail to Experian, XXXX XXXX XXXX, XXXX, Texas XXXX using this form. '' That statement is issued even when the file size is under the limit of fifteen ( XXXX XXXX megabytes. 

In general a CRA verifying disputed information thru an automated system that may be the source of the error is not verification of accurate information, as a system supplying the information thru an e-OSCAR subscription only implies the system submitting the information is consistent. The system handling billing and accounting may be independent of the system handling e-OSCAR subscriptions and the XXXX systems may not be reconciled on a periodic basis.

The fact remains that we are in the middle of a global pandemic and Experian has configured its systems to control, the amount of information that any consumer may dispute over an undisclosed period of time. Their instructions compel an individual to subject themselves to necessary risk during a public health emergency, mailing supporting documents ( with tracking to ensure delivery and receipt ), simply for a consumer to exercise rights of due process under the FCRA. This is despite the fact that Experian, Transunion, and Equifax are providing digital copies of credit reports to consumers weekly due to the financial instability during the pandemic. 

Overall, Experian 's abridgment/ barriers to consumers exercising their rights of due process under the FCRA are being abridged so that Experian does not to succumb to undue burden as defined by Experian. The tactics prevent consumers from being able to have inaccurate or unverifiable information from their credit file in a timely fashion because they are unable to dispute information.
Product: Prepaid card

On XX/XX/XXXX, I contacted PayPal customer support about an incorrect account balance on my prepaid Mastercard that begins with numbers XXXX. My account was short {$100.00}, but this amount does not appear as a payment to any merchant. While the customer support representative acknowledged the discrepancy, they were unable to assist because no corresponding transaction for the amount was listed in my account. Additionally, I was unable to dispute the shortage when I accessed my account online for the same reason. 
According to a debit text message I received on XX/XX/XXXX, my available balance was {$330.00} after a {$64.00} purchase. The next text message I received was on XX/XX/XXXX, showing a balance of {$220.00} after a {$9.00} monthly plan assessment fee. There is no reasonable explanation for this discrepancy or the missing funds. The {$100.00} appears to have simply vanished.
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 Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 tried for for over 1 year, and 6+ certified mailings to correct these invalid entries on my consumer credit file for each of these following credit reporting agency. THEY IGNORED ALL OF MY LETTERS ABOUT LEGAL COMPLIANCE. I sent them multiple Credit File DISPUTE LETTERS to correct the following errors : CREDIT REPORTING AGENCIES : 1. EQUIFAX, INC CREDIT FILE ERRORS : 1. Incorrect Address Reporting ( multiple entries ), Willful NonCompliance.

2. Invalid Bankruptcy Reporting, Fraudulent Unsubstantiated Re-Investigations.

3. Fraudulent Collection Agency Reporting, Unsubstantiated Re-Investigations.

VIOLATIONS : 1. Violations of the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). 
2. Willful NonCompliance, ( e.g. as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. Cal XX/XX/1995 ). 
3. Failure to respond satisfactorily within 30 days of receipt of consumer dispute.

4. Fraudulent Unsubstantiated Re-Investigations. 
CHARGING : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress passed the Fair and Accurate Credit Transactions Act of XXXX  ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of your identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that you werent connected with the transaction ( s ) involving the identity theft. XXXX has failed to follow these regulations set by the Federal government. 
THIS INCLUDES TRANSUNION AND XXXX, WHICH ARE GOVERNED BY THE SAME LAWS. CONSUMER WILL BE FILING COMPLAINT FORMS WITH SEC AS THESE COMPANIES ARE SECURITIZING THIS CONSUMERS DATA BUT WONT UPDATE REPORT TO SHOW ACCURATE INFORMATION AND PROVIDE A COPY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has never sent me a bill or verification for this debt with the XXXX XXXX XXXX I do not agree to owing this debt. I would like the credit bureau to investigate and require XXXX to show proof that I owe this debt to them.
Product: Debt collection

I received a credit alert from my monitoring subscription that there was a new derogatory item reported. I have not received anything from this company via mail, email, fax or phone. Therefore, I have no idea who they supposedly say that I owe money to.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act. Specifically cash app failed to take timely and effective measures to prevent and address fraud on its platform. Leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with Error Resolution Regulations under the Electronic Funds Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018-30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know if experian is confused by the stimulus check, but my income comes from 2 social security checks. They are reporting that I only get one of those checks. And I'm spending more then I make. Also no creditor is going to give me credit when they see the pitiful amount of only one check. And it's not big enough to pay my bills. I need both social security income checks reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Credit bureaus on XX/XX/2022 to remove inaccurate names : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} ;, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after the XX/XX/XXXX letter.Ive already included this in my previous Complaint # XXXX XXXX, XXXX, XXXX & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

My pleasure. My name is XXXX XXXX yesterday. I 'm. See into my credit report. My name is error. In my name to. my social is XXXX in my is XXXXis incorrect.. Please help me XXXX blessing
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documents, as it contains that information that is requested. it includes my complaint and identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to XXXX and Experian XX/XX/2021, I recently review my report and noticed that for the public record bankruptcy listing does not show that this item has been marked as in dispute nor have I have any documentation stating that the bankruptcy has been processed I am requesting a full deletion per the FCRA as far as the 30 day time window to responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I had a court appearance with my ex husband to dissolve and settle the marriage disputes. The only issue that was addressed by the Judge was child custody and child support. I filed a motion for reconsideration. Because of the threats to take my XXXX XXXX, driver 's license and XXXX, I paid what I could, and contributed to the remaining to the costs of travel, which under Cal code 4062 is considered support. The other party then contacted child support agency, who not only sent income withholding orders to my place of work without a judge 's signature, they put that I was behind XXXX dollars in arrears on my credit report, stated that it was an installment loan. I sent them a letter asking them to release the contract and validation of debt, and they refused to send me that, using terms such as " obligation '' when that means contracted debt or agreement. I also sent them a cease and desist. I submitted a claim to XXXX, Transunion, and XXXX to remove the account. I also noticed it hasnt even been updated, and remaining the same amount. Im submitting this complaint, because they do not have my consent to release this information of my credit report and also refused to release validation of debt. They do not have a signed contract of voluntary obligation of debt. The court case was completed under grounds of lack of jurisdiction and unconstitutionally violated my rights under the Color of Law. This has damaged me severely and will be seeking remedy.
Product: Debt collection

I downloaded the XXXX credit application and I see that I have an account in collection that is not mine I made several reports and still nothing I hope you can help me name of the company is convergent outsource
Product: Mortgage

I contacted Specialized Loan Servicing in writing requesting my Private Mortgage Insurance be cancelled on XX/XX/XXXX. I didnt receive a response so I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was told on all occasions I was sent a form that I needed to complete. I advised I never received a form and each time requested they mail it out again. Over a year later I still have not received any documentation regarding my request. I asked for it to be faxed or emailed and was told thats not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX, XXXX and transunion has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Checking or savings account

I was fraudulently charged and unauthorized charges of {$190.00} and {$110.00} fraudulent and unauthorized charge by XXXX and XXXX XXXXs for a XXXX day XXXX night XXXX vacation to XXXX Forge that I did not purchase nor did I add a XXXX  package for XXXX more trips with timeshare presentations over a XXXX  month period and a add on XXXX  beverage package. I contacted XXXX they said XXXX  had to issue the refund because they were the XXXX party vendor that was sent a digital virtual check for the funds, I called XXXX  they said XXXX would have to refund because they are who charged the original charge of {$98.00} for the XXXX  day XXXX nights with an additional night for {$19.00} so I disputed it with my bank Regions Bank the same day the charges appeared online in my bank statement I went in person to a branch and got a new debit card XXXX XXXX drive one way to get to a branch that makes debit cards at the branch. I also shut the card down immediately upon discovering the fraudulent charges as well as the branch XXXX said dispute again the following morning on my Regions Online dashboard which I did both charges no refund called they said the claim was filed wrong by them so it was reopened and the funds would be reimbursed in XXXX hours they weren't called XXXX days later they said they denied the dispute and the refund asked why they said it was duplicate charges. Called the next day and inquired about the dispute and they said they funds would be reimbursed in XXXX hours again they weren't called again todayXX/XX/24 and was told I would receive a letter within XXXX business days with their decision. I asked to talk to someone at corporate office and was sent a address to write a letter to in writing about the charges and refund from Regions. I saw multiple ads on XXXX for XXXX and different packages for XXXX day XXXX night timeshare presentation vacations I do have a XXXX XXXX  account linked to my debit card as I buy and sell on XXXX  that is the only way these XXXX companies could have gained access to my debit card information I keep my card locked with LOCK IT, I received no text, emails, or phone calls from Regions to verify it was me trying to make the purchases and all XXXX were done back to back over about a XXXX minute period. Regions refuses to issue a refund on the fraud and so does XXXX and XXXX XXXX. I contacted the XXXX  and they received no response from XXXX or XXXX XXXX  and said they could not help me to file a civil suit in small claims court. I contacted the Attorney General Office in XXXX  and filed a complaint as well as with the FCC, and the Federal Trade Commission, and Consumer Affairs Division and filed complaints there as well. I have not heard back from either as of now.