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

On XX/XX/2021 I was applying for credit and needed to lift security freezes that I have in place with the three credit reporting bureaus. 

In several minutes and with the few clicks of the mouse, I was able to successfully lift freezes at XXXX  and XXXX. However, I was not able to do so with Experian. 

After submitting my information along with a unique PIN identifier, I received notification that Experian is " unable to honor my request based on the information provided '' and that I needed to submit in writing via mail a copy of this notification from Experian along with additional paper copies of a government ID, utility bill, and Social Security card. 

This is a difficult request to fulfill in the era of COVID as I, like many, do not have easy access to a printer. Furthermore, Experian did not provide an email address through which I could submit copies of the required information. One can apply for credit from a bank completely electronically ; however the same can not be said about unfreezing your credit with Experian. 

Moreover, Experian 's customer service hotline pushes users to automated prompts and does not give one the option the speak with an actual human being about this problem.

I would like Experian to have an easy way to interact with actual people on their customer service hotline ( as opposed to automated prompts ) to talk to someone about unfreezing my credit by means other than paper mail during a time when many people simply do not or can not easily get access to paper documents. 

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

After reviewing my credit report I see that GM Financial has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.
Product: Credit reporting or other personal consumer reports

I am trying to buy a home i notice some Negative report on my credit i contacted XXXX XXXX twice in regards to the same per 15USC 1681 i requested they furnish me with their means of investigation as the information is inaccurate, incomplete and unethical which they refuses to do. This report is misleading, Amiss, and awry and is doing a humongous damage to my character.Your intervention in this matter is highly appreciated. Thank you
Product: Credit card or prepaid card

earlier in the year my ID and social was stolen out my car and my purse was trashed, i didnt think that they would use any of my information until i started getting letters in the mail saying i owe money ( {$2000.00} ) and ( {$120.00} XXXX XXXX XXXX they took out payday loans in my name XXXX XXXX & some app named XXXX XXXX? and getting XXXX letters from prepaid cards in the mail. to clarify i ONLY have XXXX XXXX XXXX. any other bank listed is not me. please help me im just so shook up because im only XXXX i dont want them distributing more of my information and ruining my credit. or them potentially making me go bankrupt. im really worried.i have the letters from XXXX XXXX  in person, my parents told me the best option was to contact you guys. thank you.
Product: Credit reporting or other personal consumer reports

My account with SYNCB/NETWRK was never late! I have had exceptional payment history witH SYNCB/NETWRK 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 XX/XX/year> and XX/XX/year> 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. 


SYNCB/NETWRK 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

I have tried and tried to have these negative items removed from my credit report to no avail. This company is illegally reporting information on my personal credit reports without justification or consent. They are required to remove all inaccurate, false reporting, and outdated items from my reports and that has not been done. Furthermore my privacy rights are being violated, my character is being defamed, and no one has ever obtained my permission to any of these things. I do and have not consented to these proceedings. 

The following information is being inaccurately reported on my files and I'd like to have them all removed! 

Late Payments Need to be removed : 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
Product: Credit card

I've had a XXXX EXCELLENT relationship with American Express Cards with 100 % on-time payments. In 2023, with the economy and the increased cost of living, I had trouble making a few payments right on time, but still ALWAYS made the payment. I had auto payment setup and for much of the year, it worked well, There were certain months where timeframes did not line up, and the funds became unavailable within the window of payment. When this happened, I received an email notification from AMEX, and I would immediately resolve the issue and manually make the payment. In XXXX of 2023, AMEX abruptly cancelled ALL my cards including ones in good standing ( while my family was travelling. I found out mid-travel with my family of young kids ). This caused a MASSIVE disruption in our lives and that my cards were cancelled. I spent weeks attempting to resolve this with AMEX to no avail. I have the ENTIRE funds in needed to completely solve the issue, and ended up making the payment to clear my balance, but AMEX was unwilling to work with me to reinstate my accounts. I have no balance with AMEX, but the sudden end to a XXXX relationship affected my credit score significantly.
Product: Money transfer, virtual currency, or money service

Coinbase was a company I used to buy crypto currencys. They charged my account for crypto I didnt receive so I did a chargeback on my bank account. Ever sense then my account has been locked up and that was back in XXXX or XXXX of 2017. Ive called many many times but they just keep saying my account is being looked at. I have money sitting in my account that I turned into actual dollars not crypto currency. But because of my account being locked up theyre just holding my money illegally for months now. I want it back and they arent doing anything to make that happen.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 was contacted by a financial advisor from XXXX XXXX XXXX.  He said I wasn't qualified for the loan due to high ratios, then he proceeded to solicit service for Freedom Debt Relief.  At the time, I was unaware that he was employed by XXXX XXXX.  It was very aggressive sale tactic.  I informed his I wasn't late with any of my creditors.  He told me it would take years (15) to get out of debt and this is a quicker solution.  I asked him who would notify the creditors and he said they would.  This ended up to be a lie.  He did not thoroughly explain how the fees worked.  After we enrolled, we had to have the start date at the time of my husband's SSI deposit which is the XXXX of the month.  After we made the second deposit.  On XX/XX/2019, we received a Settlement Agreement for Rise Loan.  The loan was for XXXX, the settlement amount was XXXX.  The settlement fee was not listed on the authorize to settle form.  It did state that "This settlement and any associated fees are scheduled to be paid over 8 payments."   I was taken back when I checked my XX/XX/2019 statement on my dedicated account and it showed my deposits of XXXX, XXXX distributed to Rise and all the remaining funds to fees.  I called customer service and was told that all their fees are to be paid up front not as noted on the settlement agreement.  On XX/XX/2019 I spoke with customer service to again clarify the interest rate and terms.  I told her I was not happy with there service as it causing me more fees from my creditors.  After speaking with customer service a week later, I sent a notice in writing that that we were terminating the plan.  Customer service requested that I call them and I didn't get notice that we were terminated until XX/XX/2019.  At that time, we requested the remaining money in the dedicated account and they informed me that it was all towards their fees due.  I questioned why they would be entitled to the XXXX remaining amount and she stated that we owe the full fee charged for the settlement.  We feel their business practice is very deceptive and they prey on vulnerable people.  This is no different than the payday loan business on steroids.  We had 24 accounts listed and by not notifying our creditors that we enrolled in their plan, would leave us open to not only destroyed credit, but being sued. I would have NEVER agreed to NOT having my creditors notified.  If I would have known that for each account they were going to take all the fees in front of the creditors, I would NEVER have agreed.  Now, we are left with excessive fees, late payment fees, and creditors calling constantly.  Words cannot say how dissatisfied I am.  I feel scammed and they practice deceptive business practices.  Now they tell me out of nearly $900, that most of the money went to them.  This is not right!  Lastly, I noticed that they were sued and settled in XX/XX/2019.  Yet, still their methods of business remain the same and I just became another victim of there scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been back and forth with Equifax attempting to recover from identity theft. several items were notated to all 3 bureaus but Equifax refuses to accept my identity theft report and formal disputes of those said items. I have written them 4 time since XX/XX/2019 but they continue to violate the FCRA section 609, 611, 616, and 617. They never furnished me the information needed to conclude that those account are being reported legally. I have attached my initial request to Equifax as proof they received the dispute. I'm now prepared to forward all 4 disputes as a record of the willful non compliance of this bureau. their inaccurate reporting of this unverifiable information has and still continues to cause me damages and emotional frustration.
Product: Credit card

Bank of America ( BoA ) continues to refuse to accept my payments. On two separate occasions they have refused to accept online bill pay checks drawn from XXXX XXXX XXXX XXXX ( XXXX ). XXXX reports that the checks were reportedly returned because BoA was unable to determine the account number. This assertion is false on its face. Each check contained my full name and and either the full account number or a redacted version. See the attachment to this message, a threatening letter from BoA, that includes a payment coupon which only references my name and a portion of the account number. As you can see, its explanation lack substance. Upon information and belief, BoA is refusing to accept my payments in order to assess unlawful late penalties. In a third payment attempt, on XX/XX/2017, I paid the balance in full at the site XXXX. It is unclear if BoA will process this payment. If so, this should conclude that matter. All late payments must be refunded and my balance XXXX. Any and all derogatory information reported to credit agencies must be recalled and corrected. Thank you. 
Very truly yours, XXXX XXXX
Product: Credit card

I went into a jewelry store to look at some XXXX watches between XXXX-XXXXm on XX/XX/2015. A salesman talked me into seeing how expensive of a XXXX I could finance. It was a Sunday and I thought " why not? ". The guy sat me down, and asked me for some credit information. Told me I could afford {$2400.00} of watch to finance. I did not purchase anything at the store and walked out. Shortly after, I received a credit card in the mail - I thought it was a fake promotional card. It was a card from this jewelry store, account opened XX/XX/2015, the same month and the first and only time I entered that store. The salesperson did not have my permission to open a credit card account, and I never knowingly gave my consent for him to do this. I was asked for my financial information under the notion that it would be used to determine my credit worthiness - opening an account under my name was NEVER mentioned. As soon as I received the credit card, I called the creditor to cancel the account. 

I have attached a screenshot from my credit report - the trended data shows that I never used this card. I never had use for it because I was never interested in applying for a card.
Product: Mortgage

I purchased my deceased mother 's home. Financial freedom sent a pay off that was XXXX more than what was owed. The closing was 5 months ago and the estate is now closed. Financial freedom is now returning the stolen money but the check is written in the name of the closed estate. They are refusing to reissue the check jointly in my name XXXX XXXX and the name of the estate thereby forcing me to have to spend time and money to reopen the estate all because they were trying to steal and could not. I authorize you to publish this so the public can see how awful these thieves are.
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. Experian, XXXX, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last attempt to contact Experian about the information that is being published to my credit report. The following account needs to be removed from credit report.    XXXX   XXXX  account  number  XXXX  is reporting twice not understanding why or what is account really is. I never gave my permission to  XXXX   XXXX  to open any accounts using my information. I kept getting bills to my address in my name your this company I never paid a payment because the accounts were not my account I requested the company to provide me with a contract with my signer or something so I could provide to the police dept. They never sent anything I was advised to fill out a  Fraud packa ge.     I am asking Experian to Validate the information reporting under my publi c Record I   never have a Judgement filed against me. The Companies that is listed under my  Public Record is   XXXX   XXXX   XXXX   XXXX   XXXX  I contacted each  one  of them to see if there was an open case or judgement filed against me on the dates that is listed on my credit report there was no record found Please remove this information from reporting on my credit report. This information is very damaging to my credit and reputation.   I have included a copy on my F TC Affidavit package a nd a copy of my credit report. The inquires needs to be remove from my credit I understand that they are a fractional items I do n't need that type of information to be displayed on my credit report when I did not give the companies permission to view my credit report
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update and remove the negative status in this account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Please remove the following accounts completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, I've tried and tried, to be as patient with Experian as I can be. But I've read the laws under FCRA. And I know that I as a consumer am protected by the FCRA laws. I guess Experian doesn't think so, when I filed the last dispute with Experian, the female that was taking down my information for the dispute was informing me that I couldn't dispute some of the incorrect information items I was trying to dispute, ( I still dont understand an employee working for Experian and not understanding, being trained or up to date on the FCRA laws ) collection agencies have to almost report mirrored information that the original creditor had. Original balance, credit limit, payment history etc., collection agencies report incorrect information daily to all 3 bureaus, THEY COULD CARE LESS about the FCRA laws, XXXX and XXXX had no problem understanding my disputes and resolved them satisfactorily, but then unfortunately Americans have to deal with Experian, and that's where the problem ls with my complaint.
Product: Credit card

I have a Macy 's American Express card. On XX/XX/2017, I had a balance of {$4.00}. I am enrolled in autopay. The {$4.00} was paid in full on XX/XX/2017. On XX/XX/2017, I was charged a {$2.00} finance charge, after my account was paid in full/I had a XXXX balance. I contacted the credit card & they told me I was charged the fee because I carried over a balance the month before. Therefore, I would have continued to have a {$2.00} balance every month because I would constantly be carrying a balance.
Product: Debt collection

Westlake portfolio took over payment for us auto sales in XXXX  and add XXXX XXXX more to my car note.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent out letter regarding the reports on my credit to be remove. and they fail to do You have incorrect information. You are breaking the law. 

Privacy Act of 1974 The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

Family Educational Rights and Privacy Act ( XXXX ) The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school.
Product: Money transfer, virtual currency, or money service

This concerns Cash App which is from Block , Inc. formerly known as Square. 

Summary of issue is as follows : Cash App had a promotion of getting a {$5.00} Cash Bonus for linking a bank account or debit card and sending {$5.00} within 14 days of using the promotion code. 

XXXX ) On XX/XX/2022 - XXXX downloaded Cash App and entered the promotion code of XXXX which is from my friend XXXX XXXX. 
XXXX ) On XX/XX/2022 - XXXX linked both a Bank Account and XXXX XXXX within 14 days of using the promotion code which was due XX/XX/2022. 
XXXX ) On XX/XX/2022 - I deposited {$10.00} from the linked debit card to the account. 
XXXX ) On XX/XX/2022 - XXXX sent {$5.00} to another Cash App user which was part of the requirement for the {$5.00} Cash Bonus, this was also due XX/XX/2022 as it's within 14 days of using the promotion code. 

Cash App the company in the transactions did send {$5.00} but it never made it to the account as the system rejected and returned the {$5.00} back to Cash App the company. 

All inquiries to Cash App had responses but they would not disclose the reason for not paying the {$5.00} as promised. I am a new Cash App user and this would be false and misleading advertising if they do not provide the cash bonus offer as they had promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2019 I received an alert that a negative trade line from XXXX XXXX XXXX was reporting to my credit reports. I closed all my XXXX accounts back in XX/XX/2019. This purported debt is from transactions after my account had been closed that were not authorized by myself. Moreover, I never was opted into ANY overdraft protection with XXXX. Further, under TILA, the Michigan Collection Practices Act, Michigan Occupational Code, and the Truth in Lending Act, XXXX has not provided me with any statements, disclosures or the like regarding this alleged debt. This alleged, fraudulent and incorrect account has caused my scores to drop over 100 points, and is preventing me from closing on a loan. 

Lastly, I have filed a police report with the XXXX XXXX Police Department, and Equifax and XXXX have refused to block this information as required under law.