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

XXXX XXXX reports that I still owe them money when they sold my credit card debt to XXXX XXXX. I settled and paid off the credit card with XXXX XXXX collections. I called XXXX credit card company 2 times and they did nothing but put me on hold for 3 hours. I put in dispute twice with XXXX and they did not help me either General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1700.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$1800.00} Highest Balance {$2300.00} Terms NA On Record UntilXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXXcommenity credit account has been paid off since XXXX and they have not reported since XXXX. I have called multiple times and have not resolved the issue.
Product: Credit card or prepaid card

On about XXXX XXXX I ordered a XXXX/XXXX XXXX XXXX XXXX, through Barclays Bank. 
I was accepted. Apparently the offer resulted from a cruise I bought. My troubles began when without permission, before I got a chance to pay my down payment my card was charged {$580.00}. I told the bank that I would rather pay with another credit card that had a lower interest rate. They denied me that opportunity. I filed an unauthorized claim with Barclays and they ignored until today that request and not even sent me a letter considering the unauthorized charges. I paid the unauthorized charges with another credit card whit a lower interest rate. 
I got sick of their rude customer service, and at times I felt that the XXXX XXXX line was answering, since they are colluded somehow with them, to the point that i was in disbelief of the offensive treatment towards me. 

My new set of troubles continued when around XXXX XXXX or XXXX XXXX, I tried to cancel my credit card. I called one afternoon around XXXX, XXXX, XXXX, XXXX, and all those times they told me that " the system was updating and they could not cancel my card '' .I was told to call next day.. At the XXXX call, I asked for a supervisor, and was on hold for about 33 minutes, but one never came on the line. Next day I started calling from the morning and each time the question came up : " what is the reason you want to cancel your card or close it '' I told them that I would pay my cruise with another card, cash or debit. ( the remaining balance of the cruise ). They felt offended and kept telling me that " their system was updating '' and " can not close the account right now ''. This went on for another three clerks that I called. Every one of those clerks hesitated or did not want to transfer me to a supervisor until finally one came on the line by the name XXXX? XXXX? and told me the same story of the system updating updating. I asked her if I could close the account via fax, and finally she said, after all this harassment, she would close it. It took many hours of precious time, arguments for a simple transaction. I got sick to my stomach with this customer service treatment. My account was paid and up to date and even got a {$19.00} refund in over payment. Please find a way to fine or sanction this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires listed below I have no knowledge of. Please remove them because I have not requested any credit from any creditor listed below. 
Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I have a fraud alert on my credit file due to identity theft. Please assist in getting these erroneous inquires removed. Thank You.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX, XXXX sent a verifiable request to EXPERIAN by certified mail for a copy of my FULL FILE DISCLOSURE including a copy of my US PASSPORT and a bank statement for address verification. XX/XX/2024 a CREDIT REPORT was sent to me which wasn't what I originally requested. All information required to request a full file disclosure was submitted with the original request. Please review all attachments as this is a 2nd attempt to request my FULL FILE DISCLOSURE from EXPERIAN.
Product: Credit reporting or other personal consumer reports

I write to urgently request your assistance in addressing a critical issue affecting my financial well-being. Upon reviewing my credit report, I discovered fraudulent accounts that are severely impacting my ability to access essential credit facilities. 
These inaccuracies threaten my financial stability and peace of mind. I implore the CFPB to swiftly intervene and ensure the removal of these erroneous entries to restore fairness and accuracy to my credit report. Your timely action is crucial in rectifying this injustice and safeguarding consumer rights.
Product: Checking or savings account

Cash app took the money had in my debit account and they took money from my savings account. I contacted customer service after not having my money so I contacted then they said it wss for a transaction. they won't yell me specific transaction I am only guessing. Then I see a transaction that I did not make so I disputed it. Then I asked if I could know who or where the purchase wss made from such as an ip address or something no. I told cash app to look at my account in both the merchant and bank no I told them stealing my money is not ok. That they can't just take my money especially from my savings. They are responsible for letting my account be used/breached by someone and thru flat out TOOK my money without even letting me know. They won't answer any is my questions
Product: Money transfer, virtual currency, or money service

I've had an account with Coinbase since early 2017 and on two occasions have blocked my account in error. The first time it took well over 4 months but at that time i had no money inside so i was very patient, they also at the time allowed you to withdrawal money from both your coinbase and XXXX account. This time around they blocked my account they didn't give me any access to my XXXX account. This has been like this for 3+ months now and they're email team gives no response as well as their phone service because they claim they cant do anything but answer the phone to say that they cant do anything. I have about 1500 usd that i have left their for 3 months. At this point its ridiculous and to top it all off the last time i called the over the phone to try and get help the young man over the phone said someone when i had called last time had marked my case as closed or resolved even though it wasn't. I do not understand how the people over the phone cant help you but they can mark the case as resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX Date Opened : XX/XX/2022 Balance : {$15000.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account. Please remove the account from my credit report ; it is hurting my ability to obtain credit.
Product: Debt collection

I have had an account with XXXX XXXX. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with this company.
Product: Credit reporting or other personal consumer reports

Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have this account or fraudulent inquiries to be reporting on my XXXX EQUIFAX XXXX CONSUMER REPORTS.
Product: Vehicle loan or lease

I lost one of my jobs during the pandemic and my income has suffered. I am struggling financial and trying to keep up all of my payments. I have asked CarMax for help and even asked if they could move the date of my car payment, They have not been willing to help me at all. I got a deferment for one month, but this really didn't help much. I don't understand that we are in a pandemic, I lost income, and my credit has to suffer. I was reported 30 days past due in XXXX XXXX  is the hardest month, I asked for more time and got nothing, I really need my payments moved to the XXXX of the month, This will allow me to pay on time and have a chance to try to try to get the money by the end of the month,
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Specifically, the bankruptcy was dismissed and should not have any negative impact on my credit score.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, and the Privacy Act of 1974, 5 U.S. Code 552a, I have the right to dispute any inaccurate information on my credit report and to expect that my personal information is handled with the utmost confidentiality and care. 
It has come to my attention that XXXX is the data provider for this information. I have already opted out of XXXX, and my data should no longer be reported by them. Furthermore, in light of the legal precedent set by XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ), superficial investigations are not sufficient for verifying information. Therefore, I request that you conduct a thorough investigation and remove the inaccurate bankruptcy information from my credit report immediately. Please provide me with written confirmation that this information has been deleted. 
After several disputes there is still a lack of method of verification. Under 15 U.S.C. 1681i, I request an immediate reinvestigation of this bankruptcy reporting to verify its accuracy. Additionally, any inaccurate information should be corrected or deleted in compliance with the FCRA. 
Furthermore, the Bankruptcy Code, specifically 11 U.S.C. 524, establishes a discharge injunction that prohibits creditors from attempting to collect a discharged debt. This provision ensures that once a debt is discharged, it is no longer legally enforceable, and any attempt to report it inaccurately is a violation of my rights under the bankruptcy law. 
Should you fail to address this dispute adequately, I intend to pursue all available legal remedies to protect my rights and ensure compliance with all applicable laws, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Credit card or prepaid card

Citi Bank Credit Card Charged {$95.00} Membership Fee I've been pay off for my card LAST YEAR and save the card for emergency use in case for the bad situation for this year ( it's meant the card been not using for the whole year ), and I do have couple card without charge membership fee.
Product: Bank account or service

I signed up for a Citigold checking account with the promotion of XXXX XXXX XXXX points after you spent {$1000.00} on the debt card and completed a online bill pay for XXXX consecutive months. 

I completed all requirements and had a representative from Citi confirm this via online chat that the points would be credited no later then XXXX/XXXX/16 " I have attached the conversation ''. 

I have reached out to Citi and they informed me a case/investigation would be opened and I would receive a response in XXXX business days. I have yet to receive any communication regarding this and it has been much longer then XXXX business days, at least XXXX weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a job that did a background check on me before hiring me. The 3rd party company they used to do the background check is reporting a speeding ticket incident on my driving record that was not supposed to be on my record. The incident occured on XX/XX/XXXX and did in fact happen. However, I attended court and the judge allowed me to pay my fine and attend a defensive driving course ( at my expense, which I also paid for. I went to the court house XXXX the XX/XX/XXXXand asked for someone to investigate why this was being reported. The clerk found an error in input on their end which she corrected and printed out a doccument for me to show that this had all taken place. I sent the company, Checkr a copy of that page and asked them to reinvestigate my background to pull my report again so that this information was no longer listed. The have since decided not to correct this listing, which has caused me to be turned down for the job that I applied for.
Product: Credit card or prepaid card

On or around XX/XX/2020 I submitted an online application for a XXXX XXXX  credit card underwritten by Wells Fargo Bank. Part of the process they require authentication of ID by a third party application. This application seldom works correctly. Finally, after many attempts, it did work. 

I filled out the application completely and accurately and submitted it online. After about a minute of " processing '', I was given a telephone number to call. I called and the Wells Fargo employee stated that they can see the application and the full details, but yet they did not receive the application. There is nothing they can do, she stated. 

I used a different computer and again applied. Again, their third-party ID verification system didn't work correctly until the fourth attempt. Finally they were able to verify my ID and I complete and submitted my application. The same thing happened again. I was instructed to call. I called and the same story about how they see my application and see the data I filled out, but they didn't receive the application. 

She said my only alternative was to go to a XXXX XXXX store. 

I attempted to contact Wells Fargo via XXXX, but they seldom respond coherently. 

This is not the first time I have been involved with Wells Fargo XXXX incompetence. I believe they are simply refusing to accept applications for some illegal motive or they are simply incompetent to set up their application system and / or handle problems when they arise.
Product: Checking or savings account

On XX/XX/year>, I opened a business checking account with Truist Bank. On XX/XX/year>, I deposited a check in the amount of {$3800.00}. Shortly thereafter, I received two separate pieces of mail from Truist Bankone containing my debit card and another stating that my account had been closed due to alleged fraud. 

Since receiving this notice, I have made multiple attempts to resolve this matter, including speaking with representatives from my local Truist Bank branch and providing additional verification as requested. Despite my efforts, Truist Bank continues to withhold my funds and has not provided any clear justification for the account closure. Furthermore, after speaking with a Centralized Fraud Operations Representative, I was informed that my account is still under review and that a decision would be made within 15 days. This delay is entirely unacceptable, as it unnecessarily restricts my ability to operate my business and access my legally deposited funds. 

The lack of transparency and delay in resolving this matter has caused significant hardship and inconvenience. As a business owner, I rely on my financial institution to act in good faith and to provide clear communication regarding account status and fund availability.
Product: Credit card

I purchased an item from Best Buy using my Best Buy credit card. I paid the amount due in full on XXXX/XXXX/2015. The payment of {$100.00} was issued through my online services at XXXX. 
The account number for my Best Buy account had not been updated on my online services account with XXXX, so the payment went to Best Buy but to my prior account number. Best Buy now claims that I have not paid and my account is now in arrears {$240.00} because of accruing late fees. I have contacted Best Buy and they will not speak with you regarding this issue and refer me to their bank which is now Citibank. I contacted Citibank and submitted my proof of payment to their Payment Research Department. I continue to get statements saying the account is not paid. I spoke to " XXXX '' in " Escalations '' on XXXX XXXX and still the matter is not resolved. I have no way of resolving this because clearly the issue is inter-bank. I made a payment to Best Buy which was sent to my old account number XXXX and should be posted to my current account number XXXX, It is egregious that Best Buy offers no consumer protection to their credit card users as clearly they are the entity that could easily resolve this by having the payment credited to the correct account number. The continued billing and late fee surcharges have escalated to the point of harassment. I paid this account in full before its due date and yet I continue to be harassed because no one seems to want to do the work on their end to get this matter resolved.
Product: Payday loan, title loan, or personal loan

I took out a moneylion loan came XXXX XXXX in XX/XX/XXXX. I paid the loan on time biweekly and paid off the loan beginning of XX/XX/XXXX. The terms of the loan were {$1000.00} approval with {$250.00} put into a reserve account until the loan has been paid and the {$250.00} would be released to my account. 

The loan was paid per app notifications and messages the {$250.00} would be released a few days later. The only amount I received was {$0.00} I have reached out in the moneylion app 3 separate times over the course of 2 weeks asking where my funds are and each time I was told the issue had been escalated and I would receive a phone call or email no update as of yet. It's been going on 3 weeks when I was supposed to receive the money a few days after I paid the loan off
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent the credit bureaus letters asking them to verify the debt on my report.XXXX and XXXX responded stating that everything is verified correctly. My credit report is still showing inaccuracies. 
I never got a response from Experian 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 Experian-XXXX XXXX XXXX XXXX XXXX Experian-XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX 15 U.S. Code 1681s2 ( 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.

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

On XX/XX/22 I sent a Dispute to all 3 Credit Bureaus regarding XXXX XXXX I did not get a response from Experian and XXXX because I had forgotten to put my social security number and DOB. XXXX investigated that dispute, and there results yielded a deletion of the account. It is my understanding that if a credit bureau deletes an item, they are supposed to notify the other bureaus. 

On XX/XX/22 I sent the attached letter with my correct personal information. In that letter, I included the results from XXXX. Both Experian and XXXX have responded " Verified as Accurate '' However, did they even consult with XXXX? They deleted the account for a reason. I would assume if XXXX deleted the record, that there is some reason for the deletion and it should be concluded that the same should result from XXXX and Experian. I feel as if I did not have a thorough reinvestigation and XXXX and Experian did not consult with XXXX at all. 

I also certify, that I am Indeed the Consumer submitting this complaint and not a 3rd party or credit repair company.