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

On XXXX/XXXX/XXXX I decided to sell {$200.00} USD of XXXX cryptocurrency and have it go into my bank account. It 's been almost 10 days and have not seen a transaction. Contacting customer service on XXXX/XXXX/XXXX results in an AI bot that just keeps redirecting you through FAQ pages. Now I have money lost with the coinbase app showing transaction is completed in transferring funds and I have other the remaining coin that I 'll need to just extract. My bank account has been validated and linked to the service and which was validated through multiple deposis so it is n't the wrong account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian received a dispute by certified mail with return receipt XXXX sent me correspondence that they are not honoring my dispute which is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America called me at XXXX XXXX I do not have an account with them and pleas file the complaint against them also what else should I do? 
In the bottom is the picture of the time call and phone number
Product: Credit card

Comenity bank stole XXXX from me. I assume they knew already that they were losing the BJs accounts so they schemed on how they could bilk us before they lost the market share so they fraudulently made my autmatic monthly payment late by crediting it after XXXX on the due date instead of during the day as it be set to do for years. 

I had my legal councel attemp to remedy this and stil no relief. This is the letter to comenity : Please reference our File Number XXXX when Replying Customer Service XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX Comenity BJs Wholesale XXXX XXXX XXXX No. : XXXX Dear Customer Service : I am writing this letter on behalf of XXXX XXXX XXXX. I have discussed this matter with XXXX XXXX, and as a result, XXXX XXXX hereby makes the demands stated below. 
As a result of your companys actions, XXXX XXXX demands that he receive a refund in the amount of {$260.00} for interest payments and a foreign currency fee. According to XXXX XXXX 
XXXX, on XX/XX/2022, the automatic payment did not come out of his account. He called when he received the paper statement and discovered that the payment was not made. XXXX XXXX 
XXXX account has been set on automatic payment and electronic statement for years. Your company informed him that a new system was installed and that caused the problem. The finance charge posted to his account on XX/XX/XXXX when payment was made on the right day, but after XXXX. This made that payment late even though XXXX XXXX had not changed anything about the automatic payments. He called and requested to speak to a supervisor on XX/XX/XXXX and spoke with XXXX who gave him case number XXXX. XXXX told him that the payment was received after XXXX. He called several more times and he was not given any help. 
He was informed that it would take XXXX ( XXXX ) days to review the case. As you are aware, it is past 90 days and he has not received a resolution. XXXX XXXX is requesting a refund based on the following : XXXX Interest : {$140.00} XXXX Interest : {$260.00} Foreign Currency Fee : {$3.00} Total : {$260.00} XXXX XXXX is very upset by his treatment regarding this account. He is XXXX of your companys long-term customers and was not notified of a new system upgrade that turned off his automatic payments. XXXX XXXX has taken his payments off of auto due to the lack of trust he now has with your company. He now pays well in advance each month since this incident occurred. It is XXXX XXXX position that he was deliberately targeted because he carries a high balance each month ; although he pays it off each and every month without failure. He is not pleased with your companys fraudulent behavior. 
This shall be considered XXXX XXXX formal and final demand. If XXXX XXXX demands are not met within XXXX ( XXXX ) days of the date of this correspondence, then XXXX XXXX has indicated that he will seek additional legal assistance with this matter. Please send any response directly to my attention at my firms address, above. 
Thank you for your prompt attention to this matter. 
Very truly yours, XXXX...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was placed on my credit file without consent when I had insurance at the time of billing.
Product: Credit reporting or other personal consumer reports

experian has failed to fulfill its legi obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My account with 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 those account 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 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 card or prepaid card

I signed up for an American Express card with a sign up bonus. When I called them to verify the bonus, they told me I signed up for a lower bonus amount but that I could cancel my card and reapply for the higher sign on bonus. 

I followed their advice and did so, only to find out that I was not eligible for either bonus because I already had the card ( which they advised me to cancel in order to get the higher bonus )! 

I've tried to get them to make it right and reactivate my card so I don't have an additional credit inquiry but they refuse to do so. 

I'm a XXXX XXXX and this is unacceptable.
Product: Debt collection

National Credit Adjusters says I owe them {$310.00}. I do not have any affiliation with this company or any company that they claim they purchased my debt from. I have disputed this numerous times with all 3 reporting agencies and they keep saying it's accurate when it is in no way valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were not open personal by me I have no knowledge of these accounts on my profile XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Recently I tried to view my credit report and my score and I was unable due to issues with a blockage .I 've tried calling this company as well as sending in letters yet the company have failed to me .Im also having trouble logging in im not receiving the verification code to my phone to access my credit report that it's sending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to file a complaint against Experian & XXXX XXXX. They are in violation of FCRA 1681i section ( B ) ( ii ) which claims any data furnisher who reinserts an account after it was originally deleted must notify the consumer within 5 days. I have not been notified nor have I received any documentation which Experian claims to have received when I discussed this matter over the phone. The alleged accounts were opened due to identity theft which I provided a police report & FTC identity theft report to validate the crime. I learned of the reinsertion after I reviewed my credit & noticed the 2 accounts had been place back on my credit 6 months after they were removed. Under section 605b of the FCRA, Experian is required by law to remove & block any item which is found to be opened due to identity theft which they did back in XX/XX/2022. They are also in violation of FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] for not providing correspondence after being block for identity theft. I've already filed a complaint internally with Experian complaint # XXXX. They claim theyre investigating why I never received any documentation about the reinsertion but I need the CFPB to look into this matter more deeply. I feel my rights have been infringed & Experian or XXXX XXXX  have not complied with any FCRA laws. I need them to be held accountable for their breach in the law. I need these originally deleted accounts removed from my report per the original claim of identity theft & because they are now violating my rights under 1681i. Please see that this matter is handled with urgency as this is impacting my ability to use my credit. Please delete these accounts ASAP : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXDept of EDXXXX 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 I have disputed these accounts multiple times in an attempt to get them investigated or deleted. They have violated my rights numerous times. According to 15 U.S.C.1681 section 602 A states that I have a right to privacy. According to 15 U.S.C 1681 section 604, A section 2 states a consumer reporting agency can not furnish an account without my written instructions. They have not provided proof that I have provided written instruction because I have not. They also have violated 15 U.S.C 1681 section 603 ( 3 ) ( E ) which states ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer
Product: Mortgage

I tried to pay my mortgage off with Select Portfolio Servicing online and called when I was unable to. I was told they would sent a payoff statement with final amount and payment procedures. I received that letter XX/XX/2021. I went to the bank on XX/XX/XXXX, purchased a bank check in the exact amount the letter stated, mailed the payment with a copy of the payoff statement overnight. My tracking information confirmed they received it on XX/XX/2021. The payoff quote was good through XX/XX/2021. 
The payoff quote consisted of a small mortgage balance of {$180.00} and " other fees '' for a final total of {$1800.00}. I have been receiving phone calls and letters from Select Portfolio Servicing since XX/XX/XXXX because the {$180.00} amount was never applied to my account. SPS has been aware of that error since XX/XX/XXXX. 
To date, they have sent out an Early Intervention Notice on XX/XX/XXXX which led to people contacting us wanting to buy our house which is not for sale. On XX/XX/XXXX, they sent a State Required Information Notice. 
I am worried about our credit rating at this point and have no confidence in resolving this matter.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I have filed report with local sheriff 's dept and FTC. Both reports have been sent to credit bureas. I have been dealing with the same accounts and dispute results. I'm beyond frustrated and tired of not getting issues resolved. I have a few accounts reporting that are not mine period. These accounts are in collections. The accounts and collections are double reporting on my consumer reports. I have numerous phone calls and letters sent to credit bureas about all issues. This account for XXXX XXXX XXXX XXXX XXXX XXXX is closed and written off and sold to a XXXX XXXX XXXX. They are both reporting on same account and have been since XXXX. I called XXXX they say they can't do anything about it. A letter was also sent to them 3 weeks ago. This is XXXX. I want to see them.
Product: Credit card or prepaid card

My wallet and phone were stolen from me on the night of XX/XX/XXXX at an event in XXXX XXXX. I reported 3 credit cards stolen the next day and disputed several unauthorized charges and those charges were all reversed. For one of the stolen cards ( Chase Amazon XXXX Visa ), I later received a letter saying the dispute had been investigated and they had determined that the disputed charges on that card ( two at a bar near where the theft occurred and one at XXXX ) were valid, and I was responsible for them. I called and they told me that they had determined that since the charges had been made in person and not online they were therefore valid. I explained again that the physical card had been stolen and not used by me, and filed another dispute, which was again dismissed. Finally, in a third dispute I provided police reports of the theft and insurance claim made for the stolen phone as supporting evidence, and again received a letter that my claim had been " thoroughly investigated '' and the transactions were still deemed valid, and that I was therefore responsible to pay for those charges. I have held this card for 15 years and the amount in dispute is {$410.00}. I have witnesses that my wallet was stolen and I reported the cards stolen to the credit card company the next day. I did not make or authorize the charges in question, and will so testify under penalty of perjury. I understand that under the law and my cardholder agreement I am not liable for unauthorized charges. However Chase 's Fraud Department, without explanation or discussion, refuses to uphold this agreement and to reverse the unauthorized charges in question.
Product: Money transfer, virtual currency, or money service

Phone was lost, unauthorized fraudulent use of card regarding a purchase for a credit card after a hard inquiry 65 points were taken away.
Product: Debt collection

Ive tried contacting the company several times through mail and CFPB and nothing gets rectified. They say theyve done a full investigation and just update the numbers on my credit report.
Product: Credit reporting or other personal consumer reports

My account was charged off by XXXX XXXX after my vehicle was totaled ( XXXX did not cover my full car payments ). I made payments every month up until XX/XX/XXXX and I was told by XXXX XXXX that my account was charged off on XX/XX/XXXX. I was contacted by a XXXX XXXX representative at the end of XXXX to make a full payment by XX/XX/XXXX for the account to be fully closed. I was never notified of a charge off being put into my account for any reason during that conversation nor on did I receive any mail regarding a charge off on XX/XX/XXXX. The charge-off was actually reported to XXXX, Transunion, and XXXX on XX/XX/XXXX. On XX/XX/XXXX, I made a full payment on the account. Now they are reporting it to my credit report as Paid Charge off. This is a violation of my consumer right as I was never notified of any charge off going into my credit report. I paid every month as instructed by the XXXX XXXX XXXX representative that was in charge of my account. Please remove this charge off off of my credit report it is a violation of my of the Fair Credit Reporting Act rights.
Product: Mortgage

Bank of America has deleted my mortgage credit line from my credit report. On Janaury XXXX, 2001, I executed a mortgage loan with XXXX Mortgage and Countrywide Home Loan was the servicer starting XXXX 2001. Bank of America needs to include my loan credit history on my report. My credit report shows no loan by Countrywide 's successor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/year> WELLS FARGO BANK XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Dispute of Charge-off Due to Non-receipt of IRS Form 1099-C Account Number : XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute a charge-off that has been reported on my credit report for the above-referenced account. Upon reviewing the details of this charge- off, I have found that I did not receive a 1099-C form, which should have been provided to me in compliance with IRS regulations when a debt is canceled or written off. According to the IRS guidelines, a creditor is required to issue a 1099-C when they cancel or forgive a debt of {$600.00} or more. Since I have not received this form, I believe this reporting is inaccurate. 
In light of this oversight, I kindly request that you : 1. Provide evidence that a 1099-C was issued for the debt in question.

2. Correct the reporting of this account on my credit report if the form was not issued, as this reporting may be incomplete or misleading without proper documentation. 
I would appreciate it if this matter could be resolved promptly. Please send me any supporting documentation related to the charge-off, or confirm that this charge-off has been removed from my credit report. Additionally, I expect this dispute to be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your attention to this matter and look forward to your prompt response. Please contact me at the above address or phone number if you need any further information. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$100.00}
Product: Student loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 60s days late as XXXX XXXX I am not sure how this happened because I believe that I made my payments to you when I received my statements. I have held this loan with your company since XXXX and I have made all payments on time so my only thought is that my monthly statement did not get to me.