23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX AND 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 AND XXXXXXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

Subject : Formal Demand for Resolution and Compensation Regarding Improper Investigation of Consumer Complaints To Whom It May Concern : I am writing to express my frustration and disappointment with Experians handling of the numerous complaints I have filed both through your internal complaint portal and via the Consumer Financial Protection Bureau ( CFPB ). These complaints have consistently been closed with the justification that the information in question was verified by Experian. However, at no point has Experian provided any reputable proof or evidence to substantiate how this information was verified or the source relied upon during such verifications. 

The recent lawsuit filed by the CFPB against Experian for failing to properly investigate consumer complaints highlights systemic issues with your practices. Based on my experiences, it is evident that the improper and inadequate investigation procedures cited in the lawsuit are consistent with how my complaints have been handled. This includes : Repeated failures to provide credible documentation or verification of disputed information. 

Refusal to remove charged-off accounts and incomplete or inaccurate information, despite clear evidence demonstrating harm and injury to me. 

Disregard for the legal obligation to conduct thorough and fair investigations as required under the Fair Credit Reporting Act ( FCRA ). 

Additionally, Experians actions constitute willful negligence in addressing my complaints. By failing to adhere to the required investigative standards and knowingly allowing incorrect or unverifiable information to remain on my credit report, Experian has demonstrated a reckless disregard for its obligations and my rights as a consumer. Such conduct further exacerbates the harm caused to me and underscores the necessity of immediate corrective action. 

As such, I am demanding the immediate suppression and permanent deletion of any and all disputed accounts or information related to my complaints. Specifically, the failure to conduct proper investigations into these matters has caused substantial harm to my credit profile, resulting in financial and reputational injury. 

Furthermore, I demand compensation in the amount of {$10000.00} USD for the defamation and damages caused by Experians negligence and willful non-compliance with its investigative obligations. This compensation is sought to address the tangible and intangible losses I have endured as a direct result of your actions. 

Please treat this letter as formal notice of my demands. I expect a written response within 30 days of receipt of this correspondence detailing the steps Experian will take to resolve this matter, including confirmation of the permanent removal of disputed accounts and the provision of the requested compensation. 

Failure to address these issues adequately will leave me no choice but to pursue further legal action to enforce my rights under the FCRA and other applicable laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

erroneous and inaccurate information is being reported on my credit reports. I informed the credit bureaus of the problem and sent documentation proving such. The accounts are reporting different information on each of the credit reports for the same account for things such as balance, date open, date closd, high credit, past due amounts etc.,. It is impossible reckless the bureaus to assume for all three variations of the same account to be accurate and allow it to be reported on my credit. Federal law requires that only accurate information be reported, the bureaus have refused to remove these inaccurate accounts. 

The Credit bureaus have also not responded to my request with in the 30 day time frame they are given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a dispute letter to 2 credit bureaus ( Transunion & XXXX ) to remove inquiries I never applied for on XX/XX/ and XXXX continue to have all of the fraud inquiries on my credit report and Transunion have removed some, but not all inaccurate inquiries on credit report.
Product: Money transfer, virtual currency, or money service

I bought a membership in XXXX to trade XXXX. They encouraged me to use XXXX to secure my crypto coins. I funded the account ( account number : XXXX ) on XX/XX/2024 with a money transfer of {$500.00}. from my XXXX XXXX account. I invested {$50.00}. in XXXX and left the remaining {$450.00}. in my cash account. Several days later I got a bogus " CRITICAL SECURITY ALERT '' in an email requiring me to follow XXXX arduous steps to reopen my account. So I purchased a computer protection program, hired an IT professional to " scrub '' my computer, ( he found nothing ) and followed the remaining steps followed by an email certifying that all had been accomplished and included in my email their " catch phrase '' to certify that I am not a robot I suppose or possibly to protect themselves from liability. All this was a waste of time since they did not reopen my account. They required me to do it all again, which I did. Still no access. So they blocked my account from trading or withdrawing funds and started a 2 month long journey that has resulted in my account being complete locked. I requested that they sell my XXXX for XXXX $ and return it to my cash account and then return all my assets, now presumably all cash, to my original funding source which is my XXXX XXXX account and then close my XXXX  account. You must understand that you can not talk to anyone. All this must be done by email. So I have now dealt with no less than XXXX different individuals emailing me their demands but who never respond to my email reply. It is always another representative who pretends that it is necessary to start over. They request me to transfer my coin assets back to cash and then withdraw my cash back to my band. I repeatedly inform them that I can not do that since my account has been locked for weeks. Then they send me a XXXX hour notice stating that I must do the transfer within the XXXX hours as my account will be closed after that period. Twice they have sent that message. I required them to supply me with a ledger of my account activities and whatever tax forms will be required for my 2024 year tax filings and return the assets to my bank account. This has never been done. XXXX weeks ago I was notified via email that once my account was closed I would not be able to open another account with XXXX. No big deal, that was my intention, but a slap in the face nonetheless. But still no money has been returned to me. I am a XXXX XXXX XXXX man XXXX XXXX XXXX XXXX XXXX  and was just trying to make a little money for my new wife and to help prepare for my passing in the not to distant future. I can't really afford to lose the money though I can still buy food. I checked with the XXXX  and found many complaints nearly identical to mine with some differences. Some people had lost tens of thousands of dollars. That made me feel not quite so XXXX but i have beaten myself pretty badly over this and my stress level is through the roof. I can hardly sleep at night. Can you please help me? Thank you so much. Sincerely XXXX XXXX
Product: Debt collection

I attempted to reach out to XXXX XXXX XXXX to settle a debt that is in collection. The debt is originally from Synchrony and was charged off by Synchrony at {$3500.00}. XXXX is attempting to collect for {$5800.00} at this time. I was not in a financial position to pay before, but, now, I am able to afford to reach some sort of settlement with them, so I reached out to XXXX. I advised them that I had {$1800.00} on hand at this time to pay off the amount if we could reach that agreement. They advised that they would not accept that amount and said the only amount for a lump sum they would agree to is {$4100.00}. I explained that due to financial circumstances I could not afford this. I inquired as to why the amount could not be lowered since several months prior I had received a letter stating that I could pay off the amount for 40 % what was owed. I was told that this offer was expired and the lump sum payment would again be {$4100.00}. I asked if I was able to get a little more money together if we could reach an agreement but they refused this. They stated that paperwork had been filed with my local district court by their attorney. I did a search of the court records and found no case or file associate with myself within the district court system. I 'm not sure if this was a move to place me under duress to pay the amount they wanted me to pay or not. I asked MCM several times to provide me copies of the legal documents they said they sent to the district court, but they refused stating that it was not in their company policy to provide such paperwork.
Product: Credit reporting or other personal consumer reports

CAPITOL ONEXX/XX/XXXX VAXX/XX/XXXX

MAIL ME A PRE -QUALIFIED OFFER WITH A (RESERVATION #XX/XX/XXXXXX/XX/XXXX/ACCESS CODE:XX/XX/XXXX) AND WHEN I APPLIED FOR THE XX/XX/XXXX COMPLETING THE APPLICATION ; A MESSAGE SAYING INVALID CODE AND MY CREDIT COMPANY SENT A QUICK MESSAGE THAT A HARD COPY OF MY CREDIT BY CAPITOL ONE BANK WAS PULLED AGAINST MY CREDIT.

CAPITOL ONE NEVER APPROVED OR NOT APPROVE MY CREDIT CARD OFFER BUT PULL A HARD INQUIRY NOW THAT IS ON MY CREDIT REPORT. SO I AM TO DISPUTE THIS AND I SEE IT AS FRAUD ACT TO CONSUMERS. SENDING THESE PRE-QUALIFIED OFFERS AND THEN SAY (INVALID CODE WHICH THEY SAID ENTER ON THE APPLICATION. SO UNFAIR AND CROOKED
Product: Student loan

In XXXX, my husband co-signed on a XXXX  loan from XXXX for his, then at the time, XXXX XXXXXXXX granddaughter with no credit history, to continue attending a university for her XXXX degree. The terms he agreed to for the loan at the time stated that he may be released from the loan responsibilities once he ensured the XXXX  made the first XXXX payments. The XXXX  did make XXXX payments on this loan before deciding to go back to school for XXXX  XXXX XXXX XXXX and putting loans back into forbearance status in XXXX. During this time XXXX XXXX XXXX to release my husband from his co-signing responsibilities and remove the loans from his XXXX XXXX. However, during this time period XXXX apparently sold off many loans and several companies began calling us for payments all of which stated they bought the loan from XXXX. During this time I passed all the information along to my Granddaughter who resumed making payments and currently still making them. She is who is responsible for making the payments on the loan since we were to be released from it in XXXX by XXXX XXXX For years, both Discover  and XXXX have been calling and harassing me and my husband for payment and loan information despite the fact that we are no longer responsible and should have been removed from due to upholding our original obligations for the XXXX  to make the first 24 months of payments from XXXX. Now, in XXXX as I am trying to get a home improvement loan to cover the cost of an accident I have been denied due to Discover still having my husbands name tied to a student loan for my granddaughter. Each time I try to contact Discover to resolve the issue they refuse to accept that we have full-filled our responsibilities and only try to get us to make a payment. I have sent multiple documents to a representative at Discover with our original agreement with XXXX and payment statements. Each time I speak with a representative at Discover they claim that they have not received the documents. My husband is now XXXX XXXX XXXX, retired, and on a fixed income. We can not get our home fixed because this issue is not being resolved in a clear and timely manner.
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXX XXXX XXXXXXXX that starts with XXXX is not my item & should be removed from my credit report immediately. They have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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: Checking or savings account

XXXX by Goldman Sachs froze my account about 14 days ago after I tried to move money to XXXX XXXX. Both my Wife and I have called them about six times and can't get the issue resolved. 

They say that we need to prove that we are the account holders and we need to get a form notarized. They only send the form vis XXXX. We have requested the form twice. The first time we requested the form was about 10 days ago. 

My Wife and I both have given our name, address, phone number, DOB, last four of our SSN, and our secret word. They still will not unlock our online account, tell us why our account was locked, or make the transfer.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXX/XX/XXXX XXXX, TX XXXXXX/XX/XXXX, TX XXXXXX/XX/XXXXXXXX, TX XXXXXX/XX/XXXXXXXX Balance Owed : {$0.00} XXXXXX/XX/XXXX Balance Owed : {$3300.00}
Product: Checking or savings account

i am filing a complaint with the CCFPB regarding capital one, s failure to deposit my direct deposit from my employer and any other incoming deposits. capital one has cited technical issues, which may violate the electronic funds transfer ( EFTA ) as it require timely access to funds. This situation raises concern about customer protection laws. and i request your assistance in investigating this matter to ensure my rights are upheld. thank you.
Product: Vehicle loan or lease

In XX/XX/2014 I co signed on a vehicle for my boyfriend at the time. In XX/XX/2014 he was in an accident the car was towed and the vehicle was auctioned off. The balance left on this was around {$5000.00} Chrysler capital is still reporting that almost {$18000.00} is still owed on the vehicle. That is not accurate. As well we were told we had gap insurance and that it would pay the vehicle off what ever the insurance did not. Also we had tried to recover the vehicle and the company never got back to us. XXXX XXXX in XXXX, CA is where we bought the vehicle and after 9 hours of sitting there we finally left with a car we kept trying to leave and telling them it was to much for us but we were pressured and made to purchase the car we were exhausted and just wanted it to be over. I have tried to dispute several times but nothing is being done. They were predatory and they lied to us and now we are stuck with this and it needs to be removed. The whole thing wasnt fair and we were lied to and mislead.
Product: Credit reporting or other personal consumer reports

I have been trying to lift my security freeze on my report for months. I do not have my current freeze PIN it seems, so I have requested a new PIN via their website multiple times, but they refuse to send a new PIN so that I can unfreeze my report. 
I have requested a new PIN in XX/XX/2024, andXX/XX/2024 with no success. I have submitted my identity documents each time and they still are unable to provide me with a new PIN or any way to unfreeze my credit report. I have disputed this and wrote messages to them so that I can accurately unfreeze my account, but they haven't responded to anything.
Product: Credit reporting or other personal consumer reports

Affirm went behind my back and reported my accounts to the credit bureaus without my knowledge. On XX/XX/XXXX at XXXX am I spoke with a supervisor that assured me that my account would not be reported because I was not XXXX  days late I was provided a Case number XXXX. However, I was constantly harassed by XXXX XXXX XXXX agents On XX/XX/XXXX at XXXX am I was called and the person had no knowledge of my speaking with the Supervisor the The payment arrangement was ignored by Affirm people who called and had no knowledge of this arrangement.
Product: Credit card or prepaid card

Our XXXX XXXX Credit Card ( XXXX ) ( XXXX ) from Citi was hacked sometime before XX/XX/2021. The hacker was able to create a FAKE Digital Account Number XXXX, and used it make 48 unauthorized transactions ( XXXX XXXX XXXX XXXX ), totaling {$3500.00}, with post date between XX/XX/2021 and XX/XX/2021, before locked out by Citi. I alerted Citi of the frauds by phone on 3 different occasions XXXX XXXX XXXX ). In response, they issued us 3 new credit cards ( XXXX, XXXX, XXXX ). Because of all the ongoing problems/disputes, we did not activate any of the new cards, and requested Citi to lock all 4 XXXX  until things get resolved. They issued security credits on15 fraudulent transactions but payed us back only on 12 of them ( XXXX XXXX XXXX  XXXX ). The last time we received an update notice from Citi on " We're looking into the transaction ( s ) you disputed '' was from XX/XX/XXXX. 2021 ( XXXX XXXX ). Nothing has happened so far yet!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my transunion credit report these are not my accounts or inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding XXXX XXXX ACCOUNT XXXX appearing on my EXPERIAN AND XXXX CREDIT BUREAUS.I have attached hard copy reports from both bureaus. 
The reporting on EXPERIAN is misleading, inaccurate and incomplete.Experian says " collection '' in the payment history for XX/XX/XXXX.XXXX received {$60.00} on XX/XX/XXXX.The recent payment amount says " not reported '' .It should say {$60.00}. 
Under recent balance it says " not reported. " It should say either {$0.00} or $ XXXX.Under " status '' it should read '' paid in full '' to prevent other interpretation in a negative light. 
With XXXX " date first major delinquency reported says XX/XX/XXXX and XX/XX/XXXX.This is inaccurate, the major delinquency was reported more than 3 years earlier.The date closed is a blank. 

In addition, the creditor violates implied warranty laws of CALIFORNIA ... much stricter, and without the loopholes of the Federal law.When you sell a product and service you must deliver what was promised.XXXX promised adequate cell service.It 's possibly changed today but in XX/XX/XXXX and XX/XX/XXXX XXXX lacked the cell tower coverage for adequate service in the valley, XXXX XXXX surrounding XXXX XXXX. 
IN XXXX XXXX XXXX, XXXX XXXX, XXXX, ALL IN CLOSE PROXIMITY TO MY DOORSTEP, THE XXXX PHONE HAD INTERFERENCE, DROPPED CALLS, AND NO MESSAGES TAKEN CAUSED BY SOMETHING AS SIMPLE AS THE WIND BLOWING.THEIR SERVICE DID NOT FUNCTION ADEQUATELY TO BE RELIED UPON. 
I HAD TO USE REMAINING PAY PHONES OFTEN TO COMPLETE MY BUSINESS. 
THIS ACCOUNT SHOULD BE DELETED FOR MULTIPLE REASONS AND THE FCRA.