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

On XX/XX/2019 I opened an account with XXXX ( XXXX XXXX ) - ( XXXX  la ) I set up automatic payments and assumed the monthly payments would be automaticly made on since I have been out of work due to covid XXXX when they tried to auto debit my account and the bank declined the charge they removed me from auto pay which I was not informed of so they did not try to debit my account for the payment in XXXX and I learned of that I believe in XXXX when I was called for payment for the months of XXXX and XXXX I explained to them that I was not aware of my account being removed from auto pay and they said they'd correct my credit reporting late mark that it was a department in back office that needed to do it and Id see it reflecting with in a month or so and that they where not taking or accepting calls so I assumed it would be resolved and now 5 months later not only have they not corrected the late mark in XXXX they just added another late mark for the month of XXXX
Product: Credit reporting

On XXXX, 2016 I received notification from XXXX that XXXX accounts were being deleted from my credit report : XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX These XXXX were deleted from XXXX but they have yet to be deleted from my Transunion and XXXX credit reports. They need to be deleted from those XXXX Credit Reporting Agencies. I have contacted both of them and they both, very rudely have told me that they do n't have notification to delete and if/when they do it can take up to 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account on numerous occasions with Transunion, XXXX, & the Creditor ( XXXX XXXX ). Neither company are properly responding to the dispute and this is my final resort before seeking legal action. 
The account is being reported as a Repossession Inaccurately between Transunion & XXXX. 
To my understanding the FCRA states that the CRA must correct or remove inaccurate, incomplete or unverifiable information in their files. CRA 's must remove obsolete information in their files. Which has not been done. 
The following inaccuracies are being reported on Transunion vs XXXX which are reporting differently : Transunion reports a high balance of {$12000.00} vs XXXX reports a high balance of {$10000.00} Transunion reports a date of last activity/payment of XX/XX/XXXX vs XXXX reports a date of last activity/payment of XX/XX/XXXX ( In reference to Transunion inaccurate reporting the car was repossessed in XX/XX/XXXX so how is the last day of payment after that date for a vehicle that was no longer in my possession ) Transunion reports a Payments status as " Unknown '' vs XXXX reporting a Payment status of Collection/Charge off.
Product: Debt collection

I was XXXX and did not know i was being contacted as my phone is off. Once it populated on my report, i contacted the company, they threatened to sue and take legal action against. 

I have paid this debit in full I XX/XX/2019 in the amount of {$2500.00}. 

I would like this removed on all credit reports.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXXXXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX BANK Acct # : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I funded a bitcoin wallet with Coinbase from my checking account and purchased XXXX bit coins. In XXXX I tried to access and close account and was unable to as I was unable to reset my password. I reached out to Coinbase support by email as that was their only method of communication and did not receive a response. When I tried to access my account in XXXX I no longer had the same email and phone number that was used to set up the account. This created issues with completing a self reset, which according to customer support is the only way to reset a password due to fraud. They had me go through a account verification process where I had to open another account, then provide my ID and Pic of myself captured from my mobile device. I was informed once I had provided them all this information they would be able to change my phone number and email address so I can self reset my password and get access to my account. This attempt was unsuccessful after completing the steps they had provided. I called again today XX/XX/XXXX and they wanted me to go through the exact same process which was unsuccessful previously. The value of bitcoin dropped significantly after XXXX and so I have lost money as a result of them holding onto my funds. I have engaged an attorney to help me collect my funds.
Product: Bank account or service

I am an Veteran living on a fix income, I had a car loan with Ally Auto financial, I went to XXXX to sell the car and they was n't going to pay off the loan, I had to come up with the rest of the money. I contacted Ally Auto and ask for the pay off of the car loan, they told me how much to pay off the loan, BUT Ally added a " fee '' charge to the transfer!! I contact Ally after I sold the car and ask why they told me the pay off was this much and then tack on a " fee '' of {$20.00}?? The lady told me that there was an over balance in the old account and she will mail me {$17.00}, what 's with this " fee '' and why I ca n't get the full refund?
Product: Debt collection

I received a voicemail that had no information, only said We are trying to contact you please call this number back and reference the case number But they never said my name or the case number. I called the number back and XXXX XXXX answered and said I owed a debt for a XXXX XXXX opened in 2006 and I needed to pay {$4700.00} today or I was getting served. He said they have sent correspondence to an address I havent lived in for years and when I explained that he said, it doesnt matter we still tried to contact you and you never responded. He said he was with Braufman and Associates and they would be showing up to my place of employment to serve me. Again, had the  incorrect employer. I explained that to him and he said I dont care I have your social, I can get your information whenever. I doubted him, but he was very persuasive and threatening. He told me to hang out and the payment department would take my payment information and set up a payment plan. I waited 5 minutes, some guy got on the phone and took my debit card information and hung up. I received a docusign form asking for my debit card information again but no contract, nothing with the law offices information, no payment amounts ... nothing. After I signed I thought it was very fishy. I started XXXX the law office and only found complaints of fraud and scam. I went back to look at the docusign and the email address is a XXXX account. I dont think this is legitimate.
Product: Student loan

I am the cosigner on my son 's college loans. We were able to pay off all of his loans after receiving a lump sum of money. I used the repay links on the XXXX XXXX website, and it looked like they went through but the loans were not paid by my bank. I made several phone calls to XXXX XXXX who first told me the bank was declining payment. The bank ( XXXX ) claimed that they had not received any information or attempts from XXXX XXXX, which turned out to be true ... at that point ( a week after the first attempted payment ) XXXX XXXX told me it was because the amount was over $ 100K when all 4 loans were totalled. At that point, I tried to submit each repayment separately. This still didn't work so 2 days later I called again. This time the XXXX XXXX rep submitted 2 repayment requests at the same time that I submitted all of them ... and all 6 went through, for an overpayment of $ XXXX. I called to try to get it reversed and they said they could send me a check in 10 days. When I insisted that they were at least partially at fault, they said they could reverse the charges in 5 days. I waited 6 business days and " chatted '' with their customer service online again to see why I still had not received the money ... they told me XXXX today, XX/XX/XXXX, 2 weeks after my initial attempt to repay the loan ) that because the amount was so large it had to be approved by a " director '' and that would take an additional 10 days. They said they would not pay interest despite holding my money for what will now be close to 4 weeks. This is causing me completely unnecessary and inappropriate hardship and expense, is due to their complete failure of any proactive communication, and I suspect is a illegal. Please help me.
Product: Debt collection

I have received numerous letters pertaining to a debt that has been purchased by NCB. My wife, XXXX XXXX has been in contact with this organization multiple times and was given the option to settle the debt. 

First off, this company has purchased a debt that was charged off and reflects {$0.00} owed to the original creditor, XXXX. I have disputed this charge because it is an online transaction that I did not take complete. There is no signature, only electronic authorization using my information. While I received numerous pages of so called proof of this debt, I am still not certain it is my responsibility. 

My wife called and discussed this debt with collectors that agreed to settle this debt for a one time payment of {$500.00}, a portion of what is owed to satisfy the obligation, still not with certainty that this is in fact my debt. The only request she made was to have this completely deleted from the 3 credit bureaus in which it is being reported. Instead the company per a supervisor, demanded we pay the balance in full in order to delete the trade line. This is an unfair practice. The supervisor advised that only for the balance in full would the tradeline be deleted. He also explained that it could not be deleted. This is deceptive and a false statement by the representative of this company. 

I continue to get calls from the organization after she has spoken to this company and they refused to resolve this reasonably. Most recently on XX/XX/2021 she attempted again to pay the settlement offer of {$500.00} if it would be deleted. The representative continued to say the account couldn't be removed. At this point it is harassment. There is no other reason to continue to call to attempt to collect the debt that they hold hostage over our heads and continue to report on my credit bureau.

Secondly, I have researched this company and do not see where there is a license to collect debt in the State of Georgia per their website. Perhaps this company is a scam, and the accusations that money is owed to this company is all a scam.
Product: Credit reporting or other personal consumer reports

I am writing to file another complaint against Experian concerning the results of the recent dispute reinvestigation conducted on my credit file pertaining to the account with XXXX XXXX XXXX, account number # XXXX. This complaint is in reference to the previous CPFB complaints filed under the numbers XXXX. 

I am deeply concerned about the lack of resolution and the persistence of inaccuracies, incompleteness, and errors within my credit report, despite Experian 's verification of the disputed account. It is evident that the reasonable procedures required by law to ensure the maximum possible accuracy of consumer reports, as mandated by U.S. Code 1681e ( b ), have not been adequately followed.

Specifically, I would like to address the discrepancy regarding the " Last payment made '' on the account. The information provided by Experian states that the last payment was made in XX/XX/year>. However, the report also indicates that the account status for XXXX and XX/XX/year> is listed as " CURRENT. '' This inconsistency raises significant concerns about the accuracy of the reported information. If the " Last payment made '' was indeed in XX/XX/year>, then it logically follows that the account status for XXXX and XX/XX/year> should not be reported as " CURRENT. '' There is a clear contradiction here, and it is imperative that Experian rectifies this error promptly. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), if any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency is obligated to promptly delete or modify that information from the consumer 's file. Despite my efforts to dispute and bring attention to the inaccuracies in my credit report, Experian has failed to take appropriate corrective action. 

In the recent dispute results investigation, Experian 's response focused solely on superficial aspects while completely disregarding the substantive issue of the inaccurate payment history/last payment made. This is unacceptable and does not meet the standards mandated by law. 

As a consumer, I have a right to accurate and reliable credit reporting, and I expect Experian to fulfill its legal obligations under the FCRA. Therefore, I urge the Consumer Financial Protection Bureau to intervene and compel Experian to take immediate corrective action to rectify the inaccuracies in my credit report. 


I appreciate your attention to this matter and look forward to a prompt and satisfactory resolution
Product: Credit reporting or other personal consumer reports

They changed my name from XXXX XXXX XXXX to XXXX XXXX without a request to do so. Not sure why they would do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

File # XXXX I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed with them FORTY DAYS AGO ever since XX/XX/2018. Because they have gone way past the 30-day legal deadline and can not verify the account, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ... promptly delete all information which can not be verified. '' which includes the account I have disputed. 

Please resolve this matter ASAP. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are the open and close dates for each of the disputes I have opened with Discover. Each time I ask them to provide proof that I opened the account they ask for my information ( which I have given to them more than once ) and they send me billing statements which I do not recognize at all. I provided proof of address of my residence through a bank statement ( attached ) which shows a different address than the one that was used to open the Discover account. Also attached is the last dispute letter I sent out as well as bank statements from XXXX to XX/XX/XXXX and XX/XX/XXXX to show I still have access to this bank account. 

1. XXXX XX/XX/XXXX - XXXX XXXX 2. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX, XXXX I sold XXXX  XXXX XXXX  for {$9900.00} to private party. The money was transferred into Pay Pal Account from buyer 's bank by a debt card. 2-transactions. Pymt1of 2 for - {$9000.00} on XX/XX/XXXX ; Pymt 2-2 was for {$990.00} on XX/XX/XXXX. After funds were received in my Pay Pal account on XX/XX/XXXX for {$9900.00} ; I let the buyer set up his own selection of shipping company. He chose to use XXXX XXXX XXXX they came to my residence in Oregon on XX/XX/XXXX, and picked up the printer which was crated and ready for shipping to the buyer residence in Michigan. He scheduled it to be received at the trucking depot in Michigan. On XX/XX/XXXX ; the buyer received the printer and signed for the delivery. Attached to this complaint is the proof of delivery with buyer signature, bill of sale, my original invoice for when I bought the printer.

Plus, my messages with many Pay pal customer assistance regards the hold on my funds. As you can see my funds were suppose to already been complete in two of the messages. Another one is the funds will be released 24hrs after delivery. Then another one we will manually release the funds after delivery since it should be done. Next is the money in a jump reserve, another it will take 180 days then we will review it. Another 21 days and available by XXXX XXXX, another XXXX days after buyer receives printer. If you send us a copy of your Driver License, Copy of original invoice, and proof of delivery we will review and then release the pending. I sent this information and they took off the pending, but put a hold on the funds instead. I feel all I have got is a massive run around on this issue. One rep stated, I have been a loyal customer with alot of transactions since XXXX  '. I do have alot of business with pay pal personal and my merchant business. So I don't understand the hold for so long. The buyer loves the printer and he has even updated parts on the printer, changed some of the upgraded area and very happy with the printer. He bought it in as in condition with no warrranty as the bill states. But also the printer is a great deal and he loves it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 has 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 a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX, has violated my rights with an unauthorized inquiry on 05/28/21. 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Fifth Third Bank made a hard inquiry on my credit report that was not authorized. This caused a XXXX XXXX point decrease in my score causing a delay with a short term loan I was interested in acquiring. I contacted XXXX and this was the only derogatory remark on my account. I then contacted Fifth Third Bank and was informed that they had no information in their system under my name or social security number.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. 

This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Around XXXX of 2020 Netspend decided to hold my account hostage with {$4500.00} than demand I send in bogus documentation only to no resolve. They then used scare tactics to threaten me but when everything they requested of me was submitted they decided that my account was linked to a PayPal account that was in arrears so theyre keeping the money to offset that with no documentation provided whatsoever. This is fraud. Theyre scamming people. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received this letter on XX/XX/. I am constantly asking for a method of verification and the bureau always send me a letter saying a company has verified the information is correct. What company and what documentation have they supplied you with. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Also, Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. They send me this same message back for the 3 items I have been disputing but no verified documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquiries on my Credit Report affecting XXXX XXXX XXXX XXXX XXXX Bank XX/XX/2022 XXXX Bank XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I called in a few times in XXXX XXXX XXXX to please update the information accurately to my credit report that I paid XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 on time and in full and they ignored me and told me that my mind was playing tricks on me and that I am crazy. I asked for a manager and it hung up on me.