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

Experian received a letter from me on XXXX on what methods they take to verify the bankruptcy on my credit report. They responded with a letter stating that the bankruptcy is still pending and was verified by the bankruptcy court directly. I also went to the bankruptcy courthouse that the credit bureau said they got the information from and asked the clerk if the courthouse gives Experian information on bankruptcies and the clerk gave me a letter stating that the court does not give out public record information or bankruptcy information to credit bureaus. 

After receiving this information I sent another letter to Experian showing them that the courthouse does not give out information about bankruptcy to any credit bureaus so the court can not verify it. I also sent them a copy of another credit bureau called XXXX deleting the bankruptcy off my report because they could not verify the information giving more proof on why they should delete it as well. After receiving my letter on XXXX where I give XXXX proof of how this bankruptcy is unverifiable they refuse to delete the bankruptcy. Having this bankruptcy on my credit report is causing me to get denied for credit to purchase a car that I need to have transportation to my place of work. My application for a mortgage was denied because of the bankruptcy. I need to get mortgage approved so me and my family will have a place to live The bankruptcy needs to be deleted from my credit report ; it can not be verified by a legit source.
Product: Debt collection

Requested a Verification of Debt from Portfolio Recovery Associates As of today, has not provided the requested information. 

PRA has not provided or responded to my request of verifying the information. 

Reached out to Portfolio Recovery Associates did not respond to my request at all. 

( See attached A ) Certified return receipt to PRA ( See attached B ) Copies of letter dated XX/XX/22 to PRA PRA is reporting non-verified information to all the credit reporting agencies and have not provide proof of ownership that this debt belongs to me. I am not aware or nor knowlege of this debt.
Product: Credit reporting or other personal consumer reports

I sent a letter off on XX/XX/2023 to remove personal information that I don't want on my credit report. According to the fair credit act 15 USC 1681. I have a right to privacy. Also according to 15 USC 6802. No financial Institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Debt collection

I am 7 days late paying my car loan. A vehicle I 've had for over a year and never made a late payment on since I obtained the vehicle. I had numerous conversations via phone, text and email explaining to Prestige Financial that I would be paying my loan on XX/XX/XXXX they offered a payment arrangement in which I was unable to take and I informed them again that I would be making this payment first thing on XX/XX/XXXX when I got paid. I went thru this with them everyday about 3 or 4 times a day for 5 days straight. I even at one point asked about their grace period and they said well yes there is one but that only pertains to the late fee we add if you are more than 10 days late ( is  n't this all the same thing ). At one point a gentleman with the company informed me that they were closing there books on XX/XX/XXXX and they have standards to meet as a company. Which I understand because I used to be a debt collector myself we had percentages and standards we had to meet each month as well. But, were also trained that if someone is within a grace period and they say they are going to make their payment before that grace period is up that we do n't continually harass customers with phone calls and we definitely do n't call the customers work after we 've had numerous conversations w that customer and they 've stated when they would be making their payment. We also never threatened them with management, ruining their credit or other offensive things which is exactly what these people did with me. They called my husband 's work and when we asked them not to do this and when I told them that I had numerous conversations with them explaining when I would make the payment I was told that this did n't matter and they could legally call who they want because we signed a legal contract. I was threatened with management which would further their collections w me, I was threatened with this ruining my credit and I was harassed non stop for days with phone calls, texts and emails. Furthermore, the day they called my husband 's work was 1 day before I had scheduled to make my payment with them. I have seen numerous complaints on this company for the same things I 've listed here something needs to be done.
Product: Credit reporting or other personal consumer reports

I have been contesting for XXXX years with both XXXX and transunion about inaccuracies on my credit report with my upstart loan. Everytime I submit a dispute they say it's been " investigated '' and the information is accruate. I have emails, letters, and phone calls with upstart saying that they havbe not reported ANYTHING late, and they have no record of either credit agency contacting them for an investigation. I want the late payments removed from my credigt but they refuse EVEN WITH DOCUMENTATION from the creditor.
Product: Checking or savings account

I sent a payment through XXXX for an item ( authentic XXXX XXXX purse ) I did not receive. I was scammed out of {$900.00} on XX/XX/22 and was denied reimbursement by my bank, Capital One. The seller will not answer any of my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A, I have the right to privacy, 15 U.S.C 1681 section 604 A section 2, it also states a customer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been well over 45 days ago I reported an inaccuracy on my credit report to Experian Credit Bureau in regards to a late payment from XXXX XXXX. I was never late on my payments and all other credit bureaus have me in good standing with this company as well. I requested proof of verification from the credit bureau and they have failed to present their proof. 

I demand that the following account be verified or removed immediately : I never had a late payment 1. XXXX XXXX Case # XXXX Date : XX/XX/2016 Please remove it from my credit report. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

accordance with the fair credit act # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose XXXX XXXX XXXX XXXX : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I told this company they could take this money out on the XX/XX/2020 and again on XX/XX/2020 they tried on XX/XX/2020 the funds was not there's they went into my account on XX/XX/2020 without any kind of notice so I called them to ask if they would put the money back because it was the money for my XXXX XXXX XXXX medication and my XXXX and they told me they would not put it back. so I'm trying to get my money back. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Experian was showing I had a delinquency or serious derogatory remark affecting my credit score in early XXXX. I have never been late or delinquent on any account, this is also proven by my credit report. I called and opened up a case. The customer agent agreed there was nothing on my actual credit report and that it was a technical glitch. They submitted a ticket ( # XXXX ). Weeks went by and then the tech department emailed me saying it was not a tech issue and there is a mark on my credit and to call back to dispute. This is what originally I did. I called back again and that agent verified again that there is nothing in the detail of my credit report and this is an error. They then said they need to submit back to the same department. I am in the middle of applying for a mortgage and this is impacting that. They refused to have anyone contact me or provide a letter stating there is an error on my account. I keep getting bounced  around which no resolution. I am getting penalized in my credit for an error by Experian. I am not sure what else to do as this is their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX CNAC XXXX XXXX XXXX XXXX, OH XXXX Subject : Request for Removal of Late Payment I hope this letter finds you well. I am writing to discuss an issue regarding a recent late payment that was reported on my account. I kindly request your assistance in removing this late payment from my records. 

I was a loyal customer of CNAC from XX/XX/XXXX - XX/XX/XXXX and have always prided myself on being prompt with my payments. However, due to unforeseen circumstances, I was unable to make the payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on time. I understand that late payments can have a negative impact on both my credit score and my relationship with your esteemed company. 

I assure you that this late payment is an anomaly and not reflective of my usual financial responsibility. My payment history with your company demonstrates a consistent record of timely payments, and I take great pride in maintaining a good credit standing. I have attached proof of my prompt payment history, including bank statements, to support my claim. 

I recognize the importance of a clean credit history and I genuinely regret any inconvenience caused by this tardy payment. In light of this, I kindly request your consideration in removing these late payments from my credit report. This removal would significantly improve my credit score and restore trust in my financial reliability. 

I commit to ensuring that such a circumstance does not occur again in the future. I have taken measures to avoid similar issues by implementing reminders and setting up automatic payments for my future bills. I valued my relationship with CNAC and would greatly appreciate your understanding and support in rectifying this situation. 

I kindly ask you to review my request and provide a response at your earliest convenience. Should you require any further information or documentation, please do not hesitate to contact me via the details provided above. 

Thank you for your time and consideration. I genuinely hope for a favorable resolution to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 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 on those accounts 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 XXXX  days before the payment due date. 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$990.00} XXXXXXXX XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year>
Product: Checking or savings account

I use an app called, XXXX XXXX. It's an app developed by my financial planner. It allows me to track my finances in a very simple, streamlined way. It requires that Capital One allow access to my financial accounts through the security/wares services of XXXX. Recently, Capital One has been flat out refusing to allow me access to my own financial information in order to utilize this app. I've had to delete the app because it's been rendered useless through Capital One 's unwillingness to share my financial data, even though I've granted the app access multiple times. I would like to have ownership of my financial data for use in the XXXX XXXX app.
Product: Money transfer, virtual currency, or money service

Ok so I was buying a XXXX XXXX XXXX from the official XXXX site. XXXX uses XXXX and I was not aware of the bad reviews of this site thus making me buy 3 XXXX XXXX XXXX 's which each cost {$10.00} making it {$30.00}. After I purchased them 5 minutes after I received an email saying " We're sorry. We were unable to process your XXXX XXXX XXXX order from XXXX. 

Settled charges will be refunded to the original form of payment. Pending authorizations do not represent capture of funds and will expire according to the policies of the financial institution. '' And after a long 6 hours I have not received any money on my debit card. 
The customer support doesn't give a XXXX about you. They don't even bother to respond. 

Sites that led me to purchasing the gift card : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Failure to Investigate Credit Dispute Dear CFPB Complaint Department, I am filing a formal complaint against Experian for failing to properly investigate my dispute regarding a collection account that was improperly reported on my credit file by XXXX XXXX XXXX. 

On XX/XX/year>, I submitted a dispute to Experian, requesting an investigation into whether XXXX XXXX XXXX complied with the Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines before reporting the debt. Specifically, I raised concerns that the collection agency did not notify me through any of the required methods, such as by phone, in person, by mail with a waiting period, or electronically with proof of delivery failure, before reporting the debt to Experian. 

Despite my request, Experian failed to conduct a proper investigation into whether the creditor satisfied these legal obligations. Instead, they responded with the following statement : " The incorrect account with XXXX XXXX XXXX that starts with XXXX has not been changed and will remain on your credit report. '' This response is unacceptable. Experian knowingly allowed an inaccurate account to remain on my credit report without verifying whether the collection agency had met the required legal steps before reporting the debt. This failure to conduct a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to investigate disputes and ensure the accuracy of reported information. 

I am requesting that the CFPB investigate Experians handling of this dispute and take appropriate action to enforce compliance with federal laws. I also request that this collection account be removed from my credit report unless the collection agency can provide documented proof that they followed the required notification procedures before reporting the debt. 

I have attached a copy of my original dispute letter to Experian, their response, and any other relevant documents. Please confirm receipt of this complaint and inform me of the next steps in the process. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I mailed on XX/XX/21 by priority mail to Dept of Ed - Navient six disbursement checks from my mortgage company to pay off XXXX federal loans. USPS confirmed delivery on XX/XX/21. 4 checks included were not cashed. The mortgage company confirmed a check in the amount {$3200.00} was cashed on XX/XX/21 and a second check in the same amount {$3200.00} was cashed on XX/XX/21. I called Navient on XX/XX/21. Spoke with XXXX she said no payment was received. She told me to check my account online or call back after XX/XX/21. I called back on XX/XX/21 and spoke with XXXX XXXX and XXXX XXXX. They told me to wait for 72 hours. If no response to contact the office of customer advocate. Ive been speaking with XXXX XXXX in the office since XX/XX/21 with no resolution. The uncashed checks were canceled and reissued by my mortgage company. I needs the two cashed checks to be allocated to my account
Product: Checking or savings account

I have Citibank with holding my money for no reason. And they dont want to release my funds or close this account. They send me from department to another and they dont want to close this account.
Product: Debt collection

I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Bank of America in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This account with FRAUD CHARGES being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : 1 ) Bank of America XXX. Date opened : XX/XX/XXXX. Closed date : XX/XX/XXXX. Limit : {$15000.00}. Balance {$0.00}. Status : Closed. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

Attached : Letter sent to Bank of America and FTC Report.
Product: Checking or savings account

Hello, I have made some purchases from XXXX XXXX XXXX this year and the owner has been canceling orders and pushing the shipping date back. Some of my orders are from XXXX. I still havent received my money back. Also owner of the company issued a refund to XXXX order to a XXXX card to her company which has no products to sell for months now. 
My bank said they can go back XXXX  days. Leaving me out {$180.00} for my orders combined which has been over XXXX  days. 
Please help.
Product: Credit reporting or other personal consumer reports

I am a victim XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$12000.00XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$240.00}
Product: Checking or savings account

On XXXX XXXX XXXX had processed an autopay for credit card payment for XXXX $ from HSBC Checking account, the transaction was processed with HSBC allowing it even with Low balance in the account, due to the low balance, i had immediately transferred sufficient funds for the full transaction to go through and it was reflected in the Bank account before the star of next business day, but HSBC still went ahead and rejected my credit card payment to be cleared causing nothing but inconvenience. I had to block an extra XXXX $ so that there is not issue with the payment, and on top of that the transaction was rejected and credit back into my HSBC checking account later on XXXX XXXX even though there were sufficient funds. 

I tried to resolve the issue with HSBC with a manager named XXXX and his colleague XXXX, but both were least interested in solving the issue. 

The reference number for the call i had with them is XXXX
Product: Credit card

I try to pay my Bank of America credit care bill online but system was not working so I called and spoke with agent XXXX and XXXX ( ID XXXX ) and both asked me to accept fraudulent statements in order to process my payment and refused to take my payment.