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

I sent money to the XXXX, thru XXXX Pangea USA LLC . sent dated XX/XX/XXXX, XXXX after waiting for an hour the person who I sent the money to called me, to say that they had not received anything. When they went to the XXXX XXXX ( office ) they were told that their system was " slow '', then she was forced to come back the next day XX/XX/2020, she was then told " no response from the main office of this company ''. I tried calling the company 's main office however, it was closed. The money that is being sent is for emergency and needs to be received right away. However, due to the companies ' lack of customer service, there is no one get in contact with regarding the issue. The company does not provide customer service that satisfies certain timezones. Those who are not within the time zone of their customer service hours can't get in touch with the company at all and has no way of resolving issues right away. Due to the circumstances of the receiver, this money was supposed to be received right away. I have the receipts stating that the person was to receive the money on XX/XX/2020 ( PST ) It has address information on the receipt and I will be willing to provide the receipts once I get an email back regarding this complaint.
Product: Credit reporting or other personal consumer reports

I did a dispute with experian credit reporting about an error on my credit report about two months ago. I was told they would started an investigation. 

I never got any results from the investigation and nothing changed on my credit report. I do not think they did an investigation at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these-reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$2000.00}, XXXX  XXXX XXXX Balance : {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed complaints # XXXX and XXXX on XX/XX/2022, since I couldn't view my credit score in my XXXX XXXX XXXX application . And then they let me see it. But now they've done the same thing, and I can't view my credit score anymore.

Thanks!
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is an inaccurate account on my credit report. TransUnion and XXXX both stated that they have validated this debt, but that is absolutely a lie!! The balance being reported on my credit report is over {$20000.00}, however my statement balance with XXXX is just over {$12000.00}. I have submitted dispute after dispute after dispute to get corrected. I have even attached proof the balance being report is inaccurate, but the dispute results continue to be returned validated. 

It is against my rights based on FCRA to have inaccurate information reporting on my credit report. This inaccuracy needs to be removed immediately. 

XXXX has even denied my ability to dispute this inaccuracy and will not accept another dispute. I have called and spoke with several representatives, none will assist me with thus.
Product: Money transfer, virtual currency, or money service

My access to my account with Coinbase , Inc. was made un-accessible via the Internet.  When I tried to re-establish the connection, I was told to establish a " temporary '' account, and submit a picture id ( drivers license ). After some difficulty, I did as advised, but I still have been unable to get access to my account. Coinbase will not accept telephone calls nor will they call the consumer. I have been trying, to no avail, to access my account and Coinbase will not respond to my requests for assistance in re-establishing my connection to my account. 

I have made an initial contact with the XXXX XXXX XXXX Attorney, and they advised that my first step is through your office. 

Apparently, I am not the only person with this similar compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to get this loan off my report for years ... ... i have never even had a driver license in XXXX or id ... .so how can i lease a car. This company is completely fraud!!!!! Pls all them to show proof ... I'm not accepting the facts!!!
Product: Credit card

Examine the attached documents. I request the bureau to initiate an inquiry into these accounts, as I am consistently punctual, yet they are inaccurately reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Checking or savings account

I opened a savings account, acct # XXXX, on XX/XX/2020 with the promise of a {$200.00} bonus for opening the account and funding it with {$25000.00}. I did this and then Discover Bank returned the deposits to my other banks. They deposited the {$200.00} bonus in my account on XX/XX/2020, but then I got an email to call the bank on XX/XX/2020. They closed my account and stole the {$200.00} bonus from me even though I completed their requirements. 
I would like your help in getting my {$200.00} bonus that I earned and they stole from me. 
Thank you kindly, XXXX XXXX
Product: Checking or savings account

I had my debit card compromised staring on  XXXX   XXXX   2017 . Reported it on Sunday with Chase bank. Followed their procedures, and it affected my son as well as he was linked to my account. We shut the accounts down and I went to the branch 2 times. And was promised the money withi n 12 hours on the recorded lines with Chase Fraud.  I escalated again tonight. And still got the same scripted information from reps from  XXXX . This is a complete. Injustice to keep my money when my debit card was hacked. I had physical possession of the card.
Product: Credit reporting or other personal consumer reports

Had to Call in for incorrect name removal. But instead of removing name. Thy did a name modification. Knowing that removing the name tied to false negative credit that was deleted & sold to be Re-inserted back onto my profile would drop off. So they modified the name changing it to correct name. Then would not take fake adress off my name. When I lived on a XXXX, NOT a XXXX. If you XXXX address with XXXX, It goes to XXXX. Meaning the frauder made a typo... They Also change the Adress to the Same Adress XXXX XXXX XXXX'. I haven't lived at a resident with a XXXX XXXX  '' since XXXX from high school. 
Then I ask them how does my debt get closed, deleted then sold & Re-inserted back onto my credit.They claimed to be concerned, but a few hrs later. They change information to " DEBT BUYER '' under the collection companys name. Which now has one of the company 's sending me a change of debt collection letter. That should of been here 1 yrs ago.But since I've done my due diligence with help of the CFPB. They now want to conform on a bad deal. Experian also knows my social security number has been across the Dark web for the Past 5yrs from Breaches because their premium app disclosed that. THEN... you display XXXX as XXXX credit rating. Although i didn't participate in the class action. XXXX corrected and monitored it for a min. Then I locked it for some time. Now they'd started Re-inserting what they have on TRANSUNION or Experian. But one thing they have is the range of score. It at XXXX now. But was a XXXX. So why does Experian potrays XXXX XXXX, When XXXX is XXXX? Knowing there the Most common checked Source. TRANSUNION IS EXPERIAN as far as this matter goes...
Product: Credit reporting or other personal consumer reports

XXXX XXXX on XXXX XXXX in XXXX XXXX, GA ( XXXX XXXX XXXX, XXXX XXXX, GA, XXXX ) as well as XXXX Hyundai XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, GA, XXXX ) has run my credit to over XXXX banks without my consent. This is illegal and an impractical use of my credit report. I have only allowed them to check with XXXX banks EACH. I have allowed XXXX to check with two and they have tremendously respected my request. Both of these companies assured me I wouldnt be run through more than one bank and has lied. I have made multiple attempts to get these inquiries removed from my credit report but these companies refuse to remove it. This is an abuse of my trust and my credit. 

The only authorized inquiries by these companies is : XXXX XXXX XXXX - XX/XX/year> and XX/XX/year>. 
XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX XXXX HYUNDAI - XX/XX/year> HYUNDAI MOTOR FINANCE - XX/XX/year> 2024
Product: Debt collection

This account was bought out by XXXX XXXX  XXXX  and was paid and closed. Santander is still showing on my credit report even after XXXX bought the account and stopped reporting the account. I have contacted santander by phone and email to remove the account from reporting to the credit bureaus
Product: Credit reporting or other personal consumer reports

XXXX XXXX, I contacted TransUnion to address ongoing issues. I have proof that XXXX XXXX XXXX XXXX is retracting the account reported. There are XXXX other accounts that Transunion shows as charge-offs ; yet, they reflect a balance, when the balance should be " XXXX ''. The accounts are XXXX XXXX, XXXX XXXX, and XXXX XXXX account.
Product: Credit card or prepaid card

On XXXX XXXX I received an email stating a temporary 24 hour block had been put on my XXXX card. The block was not removed after over 24 hours. Contacted support and they said they could not fix it because the department who could was not in the office. The email stated to call support to have the block removed but did not list specific hours you had to call during. Was told someone would call me. They did not. I called multiple times and was given conflicting information about the appropriate departments hours and was again told no one could help. 
The initial claim of a 24 hour block was a lie and the solution in their email was also a lie. I can not access my earnings and earnings were not deposited ( which per the email should not have been affected ) The company has lied to me and is withholding access to my pay.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Between XX/XX/year> and XX/XX/year>, I fell victim to a multi-layered scam operations run by XXXX XXXX app which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm. XXXX facilitated these deposits connected to XXXX.
Product: Debt collection

In XXXX of this year I received a call from XXXX XXXX XXXX ( XXXX ) regarding a {$10000.00} outstanding PayPal debt through a XXXX XXXX. They followed with a phone call 3 weeks later. XXXX had sold this debt to XXXX, and XXXX was trying to collect this from me. I have NEVER had a PayPay account and made this very clear to them. Still they have been calling and sending forms. I spoke to to XXXX this morning because they said they needed more information. When they asked for my address, I gave it to them which they already had. They also have an address for a XXXX XXXX at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX. I asked why they hadn't pursued this and couldn't get a reasonable answer. XXXX offered me a settlement which I declined because I'm not going to pay for something that's not mine. XXXX only wants to collect this debt. I need this to go away because it dropped my credit rating from the high XXXX range to the mid XXXX 's. Please help me with this. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

AmeriHome Mortgage increase my mortgage payment stating that I didnt have enough money in my escrow account and because of that they paid the City and school taxes and now I owe them that money. According to the City AmeriHome havent paid the taxes and now I have been sued by the city for unpaid taxes. I had called numerous times to AmeriHome to get to the bottom of this situation however, they have failed to provide proof of the payment of the taxes.

I had to hired an Attorney to help me solve this situation. My attorney sent a letter to AmeriHome and were waiting for a response and he advised me to file this complaint.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased another vehicle with XXXX and of the loan was again with Bridgecrest. I decided to refinance loan with XXXX. XXXX has sent a payment in the of XXXX. Bridgecrest has posted the amount as XXXX, and has not closed out my loan. They have posted. a balance owed of XXXX for XX/XX/2026. My loan was refinanced and my new payments begin at the end of the month with XXXX. Bridgecrest owes my XXXX and are attempting to hold out the loan to obtain those proceeds. I have contacted an attorney and have attempted contact with the company. Bridgecrest is a fraudulent company. I would like my funds back. I will continue to make known the issues that Bridgecrest have... not a good company.
Product: Credit card or prepaid card

There are two American Express business cards, a blue card, and a platinum card, that were fraudulently opened in my name. I have been attempting to work with American Express to resolve the issues with identity theft/fraud since around or about XXXX XXXX. I'm quite certain that the business cards were fraudulently opened by my former employer. I have filed a police report memorializing that I am the victim of identity theft. I have also sent several written communications and have spent a minimum of 50 hours on the phone with Amex representatives to report and provide details of the fraud. During this time notes taken by the members of the fraud team have been incomplete, and inaccurate or don't exist making it impossible for the operations team to perform a proper investigation. I have also received many hostile calls from the Amex collections team attempting to collect on the fraudulent accounts. The collection department is not aware that the accounts are under fraud investigation. On XX/XX/XXXX, Amex canceled my personal gold card, which I had since XXXX, due to " having another Amex account that was not maintained in accordance with the terms of the Cardmember agreement ''. When I called Amex to discuss why my gold card is being canceled it was " due to not making payments on the two fraudulent cards ''. I was told by a representative on XX/XX/XXXX, that the collections department, that processed the cancellation of my gold card was not aware of the fraud. I am not making progress on the fraud investigation. Amex 's behavior has been unprofessional and negligent. I feel like I am being harassed and abused when I did nothing wrong. I feel that Amex has violated the Fair Debt Collection Practices Act ( FDCPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Debt collection

Alliant capital Management called me yesterday about a business matter and was vague with details. Today they called my friend and said I gave her as a reference.
Product: Money transfer, virtual currency, or money service

I was trying to pay rent today at The XXXX XXXX Apartments. And noticed added an extra XXXX to my balance which wasn't right. I talked to the manager and tried to dispute it and almost successfully untill i accidentally sent the payment while trying navigate their app. was told to call my bank ( Wells Fargo ) as they could do nothing to dispute it from their side Wells Fargo told me nothing can be done till the payment posted in my account which will take more than a day to do since i used checking to pay for rent. So I'm caught in a limbo where I don't want my apartment to take extra money out my account but I have to wait for it to happen in order to even get that money back.
Product: Credit reporting or other personal consumer reports

I am deeply concerned and frustrated to discover that despite your confirmation of the deletion of certain inquiries from my consumer report, they have been reinserted. This violates my rights under the FCRA and disregards the authority of the CFPB, to whom I initially reported this issue. 

I filed a complaint with the CFPB regarding unauthorized inquiries. Equifax 's letter dated XX/XX/XXXX XXXX XXXX, XXXX confirmed their removal, leading me to believe the matter was resolved. However, upon reviewing my updated report, I found the inquiries reinstated. By reinserting inquiries that were previously confirmed as deleted, Equifax is not only breaching its duty to accurately report consumer information but is also misleading consumers and regulatory bodies alike. It is deeply troubling to note that Equifax not only failed to uphold its commitment to rectify the inaccuracies on my consumer report but also provided false information to the CFPB regarding the resolution of this matter. Such actions undermine the integrity of the credit reporting system and erode trust in Equifax 's ability to handle consumer disputes effectively and ethically. Furthermore, I expect a thorough investigation into the circumstances surrounding this incident and accountability for those responsible for providing false information to both me and the CFPB. 

Failure to address this matter promptly and adequately will compel me to escalate my complaint through legal channels and pursue all available remedies under the FCRA and other applicable laws. 

Expecting an urgent response and resolution. 

Here is the list of Inquiries that was deleted and now REINSERTED again : XXXX XXXX - Inquiry Date - XX/XX/XXXX XXXX XXXX - Inquiry Date - XX/XX/XXXX XXXX XXXX  - Inquiry Date - XX/XX/XXXX XXXX XXXX  - Inquiry Date - XX/XX/XXXX XXXX XXXX - Inquiry Date - XX/XX/XXXX XXXX XXXX XXXX Date - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im completely baffled. I woke up today and saw inaccurate accounts on my credit report that I didnt recognize. I routinely monitor my credit, and this has never happened before. I even refreshed the page, thinking maybe it was some kind of technical glitch, but the inaccuracies didnt go away. Im begging for a thorough check of the documents Ive provided so I can finally have peace of mind.