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

I have contacted Experian by phone and email several times. I have received a response every time but the responses arent answering my question. My question is, why doesnt Experian allow car insurance payments to qualify for their boost program? I was told, sorry unfortunately we do not allow car insurance payments to qualify for our boost program. Ive been told that maybe in the future they will start allowing car insurance payments to qualify. But my question is not being answered, its being ignored. 

I know what bills qualify for boost. Allowing luxury spending bills such as XXXX to qualify but not allowing necessary and required monthly car insurance payments/bills makes no sense to me. That is why Im asking, Why dont car insurance payments qualify? 

Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made two payments via the BarclaysCard US mobile application. One payment for {$2300.00} and the other for {$160.00}. Barclays Card applied the {$160.00} payment and held the {$2300.00} payment. On XX/XX/XXXX, the {$2300.00} cleared my checking account with XXXX XXXX XXXX. On XX/XX/XXXX, the hold on the Barclays Mastercard continued. I contacted customer service on XX/XX/XXXX. They removed the hold and said it would be effective on XX/XX/XXXX. No where in the account opening materials or the account agreement does it disclose Barclays Card UNFAIR, DECEPTIVE AND ABUSIVE PRACTICE of holding a customer 's payment. I have another card with Barclays and am existing customer and this has never happened before or with any other bank.
Product: Checking or savings account

Upon trying to create a joint account, Capital One sent an automated message to do submit verification information. There link did not work and kept sending a link to my phone that when then verified, would just send another link to my phone in a continuous loop. When I called the bank to have this taken care of they told me that I could only verify account by clicking the link, which we tried again and it again did the same thing. The rep. then lied to me and told me there was no other way to verify, even though there system was broken and it was up to me to fix it. The accounts associated with the bank are now frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 records 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. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

My family remember received a call from National Principal group claiming that they are looking for me and need to know my whereabouts. They are claiming in their message that they will press charges against me if I do not contact them. I have no idea who this is or why they are harassing my family member. i do n't even know how they got my family 's phone number. It is illegal to harass or threaten to obtain money from me.
Product: Credit reporting

My credit score dropped by XXXX points with no explanation with TransU. I have paid my bills on time to all parties. Therefore, it is unfair to deduct from my credit score XXXX points without explanation of why this was done. This leaves me in the blind as to why these points were taken and how to get them put back on my credit report. My score should remain at XXXX or disclosure must be made so that I can seek a remedy.
Product: Money transfers

XXXX XXXX, 2015 I went into the Citibank location in XXXX XXXX XXXX, FL to wire {$3700.00} to XXXX XXXX bank in XXXX XXXX XXXX. I spoke with XXXX XXXX to complete the transaction and he also spoke with the Branch manager in XXXX to verify the account information for the wire and the XXXX Branch Manager told him to send the funds in US currency to the account. I have attached the documentation for the wire. I called XXXX XXXX in XXXX 2 days later and the wire had not been received. I called Citibank wire dept. and I was told they would open a case to trace the funds the case # XXXX. I called Citibank back and they told me they do n't see my money! Thy have escalated this case at least XXXX times and they still ca n't see or find my money. The Wire dept. at XXXX XXXX says they do not have the money and Citibank says they are waiting for the money from XXXX, who again says, they do not have the money. At this point, it 's 2 months later and Citibank has not returned my money and said they do n't know where my money is. Every time I call I 'm told the case will be escalated and still they do not know where my money is. I worked very hard for my money and this was a transfer to a lawyer for family land that I am in jeopardy of losing because of the incompetence of Citibank.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit file following a recent data breach that compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have the following accounts and inquiries removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed bankruptcy in XXXX but it is still showing up 10 years later as an account that should no longer affect me. This is affecting my chances of buying another mortgage or getting a future car loan. Please remove this immediately.
Product: Debt collection

this was discharged in a XXXX XXXX bankruptcy in 2019
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 Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : 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 card or prepaid card

I had multiple disputes from a merchant that was using various names for all around the same amount of money. I included all of the transactions that I identified as from them in my dispute. This company never provided me the services they were supposed to provide in accessing an online portal for daily competitions against other players. The service was supposed to provide me this access and they never provided me the login information and they continued to charge my card. I asked Bank of America, on XX/XX/, 2017, via mail to dispute the charges. Online, they showed they received my letter as they disputed 3 of the 13 charges i disputed. However, they refuse to send me any correspondance and they keep telling me they sent out " letters '' asking for " more information to process the request. '' So, I resent my original dispute letter which details exactly what needs to be disputed, why, and what steps i took originally to talk with the merchant about the charges. 

They refuse to assist me.
Product: Checking or savings account

My employer sent their payroll files via XXXX on Wednesday XX/XX/XXXX around XXXX. The effective date was XX/XX/XXXX. I checked my account XX/XX/XXXX around XXXX and had not received my direct deposit. When I logged into my Capital One account there was a vague message stating they were having technical difficulties. I tried calling capital one while also XXXX to see what I could find. XXXX was the first article I came across with information that customers had not received deposits. There was a reference to XXXX where I ultimately was able to see XXXX of customers were having the same issue. Capital One sent me notification via email at XXXX XX/XX/XXXX with the message below. It is now XXXX on XX/XX/XXXX and I have not received my direct deposit. I have not received follow-up information from Capital One regarding my deposit. I tried to contact Capital One today XX/XX/XXXX but could not get through. 

Capital One email received XX/XX/XXXX at XXXX : Starting XXXX XXXX, XXXX, Capital One began experiencing a disruption impacting the processing of some deposits, payments and transfers, which is due to a technical issue with one of our service providers. 

Specifically, this has delayed processing of some transactions including direct deposits and XXXX XXXX credit for direct deposits, as well as electronic payments and transfers ( ACH ). 

Were working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning. 

Once the systems are restored, we will process all deposits and other transactions that have been delayed. You will be able to see those deposits and other transactions after they have posted by visiting us online or through the Capital One XXXX app. For additional servicing assistance, please call us at the number on the back of your debit card or visit a Capital One XXXX or XXXX. 

As always, we appreciate your business and apologize for any inconvenience that this disruption has caused you. We assure you that we are taking this event very seriously.
Product: Vehicle loan or lease

Credit Acceptance agree to remove me from the loan within 6 months of being a Co-Signer. Also, Credit Acceptance refuse to discuss information regarding the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( # XXXX ), and I am receiving my FBI report. 


Also the account with XXXX XXXX that was an authorized user account with the terminated status and {$5900.00} limit?. I have absolutely no idea whos account that is and under the FCRA 2009 ( a ) want it removed under the nature that the ownership of the account isnt even mine..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant contact with Equifax to remove unauthorized inquiries since XX/XX/ and my last letter is going out certified return receipt on Monday XXXX XXXX XXXX I have sent out twenty-six ( 26 ) letters and everytime I get the same result : " Inquiries are a factual record of a file 's access and will remain on the Equifax credit file for two years since the reported date of the inquiry ''. This is not acceptable and why can other bureaus delete these inquiries but Equifax can't or won't? I am trying to get a refinance loan but I was turned down due to excessive inquiries so I am still trying to remove those that I don't recognize or are unauthorized. Any and all help you provide is greatly apprreciated. 

Thank you, XXXX XXXX XXXX XXXX
Product: Mortgage

This is a privacy issue concerning a breach of contract. My mortgage lender, Carrington Mortgage, shared my monthly mortgage statements with another company, XXXX XXXX XXXX without my authorization. I am currently suing XXXX XXXX XXXX for {$10000.00} in damages for an unrelated dispute. Carrington Mortgage did not have my authorization to share my mortgage statement or any of my personal financial information with anyone. 

I've attached an email from XXXX XXXX XXXX with my mortgage statements attached to the email. I never gave XXXX XXXX XXXX XXXX my mortgage statements and I never authorized them to view them. This proves that they received the mortgage statements from Carrington Mortgage LLC. This is a critical privacy breach and a breach of contract.
Product: Debt collection

They have called me day in and day out about the Collection and Ive tried to set up some type of payment but they didnt wan na work with me I called asking for some proof showing that after I make a payment that I can get a paper showing that I started the payment they said they cant give me anything till debt is paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 Merchant as Professional collection, amount {$290.00} and {$170.00} violated my hippa without consent by sending procedures and personal labs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the account XXXX XXXX on my credit report. It has been removed from XXXX  but not XXXX  or Experian even after several disputes. This was a fraudulent account and the company agreed to remove it if I paid it off in years ago but after paying it off at the time of agreement they never did. The amounts and dates reported are incorrect from one report to another. Also this account is over XXXX XXXX XXXX. Legally with age and incorrect information it should of already been removed. XXXX XXXX  is as follows, closed on XX/XX/XXXX, last reported XX/XX/XXXX, balance XXXX, opened XX/XX/XXXX, On EXPERIAN it states as follows opened date XXXX XXXX XXXX ) XXXX, balance was XXXX XXXX XXXX, highest balance ( XXXX XXXX, status update XX/XX/XXXX with no day of the month. I have disputed this under fraudulent account, company not sticking to agreement, incorrect dates, incorrect balances, and the age of the account which is the reason XXXX  deleted it without incident. I am sure it is also on other reports such as XXXX XXXX, and XXXX XXXX XXXX. From what I have read it should have been deleted from all of them by law due to the reasons listed above.
Product: Mortgage

I paid my mortgage in full to Capital Mortgage 3 months ago. I have called 4 times for the satisfaction of mortgage to be sent to me, and all they can tell me is I am " in-active. '' They are telling me they do n't have the deed, and I wo n't get anything proving I paid the mortgage. My mortgage was sold several times over the years, so I am not sure what happened with the paperwork. I last spoke to XXXX at XXXX, ext XXXX on XXXX. XXXX. All she could tell me is that loan is in-active, and my prior conversation with XXXX told me XXXX was the person in charge of sending the satisfactions out.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payments for XXXX XXXX XXXX XXXX before the due date, but due to a delay in processing by XXXX, it was recorded as late. I have attached bank statements and payment confirmations that show the payment was made on time. 
Clerical Error : There was a clerical error on XXXX 's part, which they acknowledged, but the correction has not been reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

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

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

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

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Since XXXX XXXX I have sent to MIDLAND CREDIT MANAGEMENT , INC, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to prove that this account is mine. As per the DFCPA, MIDLAND CREDIT MANAGEMENT , INC must prove that this acct is mine showing any existing contract or application signed by me with my social security number.
Product: Debt collection

I have received no contact with anyone regarding a bill that I owe. I just received a letter in the mail from Transworld Systems Inc, stating that I owe them money. They advised if I do not contact them within 30 days after receiving this notice, they will assume the debt is valid. I have tried to contact them by phone and have been unsuccessful. The voice mail that I was connected to stated that it is full and I ca n't leave a message. How can a company just give you 30 day to prove the debt is n't your when you do n't even know what it 's for in the XXXX place? Is this company a fraud?
Product: Money transfer, virtual currency, or money service

I tried to send {$2000.00} to my friend through Cash App on XX/XX/2020. On my end, it showed that the payment was completed and the money had left my bank account. However, on the end of the recipient, it showed failed. The recipient contacted the Cash App and was told the transfer had triggered an alert. They suggested me to dispute the transaction with my bank and they have refunded the {$2000.00} back to me. So I called my bank and disputed this transaction. However, after the investigation from my bank, Cash App told my bank the transfer was completed and rejected to refund. They even closed my Cash App account after that. The recipient 's account was closed as well. I tried to contact customer service multiple times to ask for evidence of whether the money had deposited to the recipient 's account that he had free access to the fund. They never showed me any proof just told me to reach out to my bank or let the recipient contact them about the fund. The money was lost.
Product: Debt collection

Stellar Recovery has placed an illegal erroneous account in the amount of {$1600.00} on my credit reports. It is not mine and this company is causing me immense complications and frustrations because of it. 

I am seeking to have it removed fro my XXXX, XXXX, and XXXX credit reports immediately. 

I have never had any business, ordered service, or had correspondence ( to or from ) with this company, nor the company they say they represent ( XXXX ). 

All my attempts to validate this debt has went without response by Stellar Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has consistently provided false information to the CFPB, on XX/XX/2022 I submitted a CFPB complaint about TransUnion XXXX failure to do a proper investigation into my dispute. TransUnion closed out the complaint today on XX/XX/2022 stating that their investigation was completed. However this a FALSE STATEMENT, I have enclosed evidence that TransUnion has not even started the complaint until XX/XX/2022 and the complaint is still in progress as per their own website. I have enclosed proof of TransUnion, s violation of the FCRA ONCE AGAIN. Disputed Account XXXX : XXXX BANKRUPTCY/ Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not remove negative accounts off my credit even though I have sent them proof that said account is paid with a XXXX balance. I have filed a dispute several times and still I haven't heard from them about my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I submited disputes to the credit bureaus and I have not recieved any correspondence to this matter. Under the FCRA, they are supposed to investigate and notify me within 30 days. That has not been done.
Product: Debt collection

In 2008 I had an account with US Bank, the following year I had an ex-girlfriend use that Card and Identity to steal and overdraft the account, I reported to the police and verified she was using drugs and did not have permission to use my bank card, after that US BANK never contacted me, I was understood the matter was resolved, Now a Company that refuses to verify their address only calling themselves XXXX XXXX out of XXXX XXXX Phone Number XXXXXXXX continues to call not only I but my mother, my father and XXXX knows who else, when first speaking to them they stated the documents were from XXXX COUNTY XXXX COURTS, NOW it seems they only had two XXXX   Address ' one in XXXX  XXXX, and the OTHER in XXXX, in which allegedly they sent documents to those address ' 45 days ago I never received, they have drove on my private road and created further civil complaints by pretending to be a company they are not, as well as Un Fair Business Practices, Badgering, Patronizing and All around being RUDE, I don't owe the US BANK Anything..