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

All I wanted to do was unfreeze my credit at Experian for XXXX day so that I could open a bank account. This used to be very easy -- and now it's almost impossible and is holding up my bank account. 

Here 's what happened today ( XX/XX/year>, at XXXX PST ) : * I went to the website for unfreezing for free ( XXXX XXXX XXXX ), and unlike before, it now forces me to create an account. OK. 

* Except that due to a technical glitch in the process, I can't verify my phone number while creating the account that I don't actually want. They are supposed to send me a secret number via voice or text message, but neither was actually sent to my phone. So now I have an account with a phone number that's unverified. I don't know how important that is. 

* What I *do* know is that when I log into the website above now, I don't have any option to temporarily unfreeze my account. Instead, I get a message saying " Welcome back. Get your Free Experian Credit Report now. XXXX XXXX XXXX XXXX. 
When you order today, you'll get : ( nothing shown ) No credit card required. Checking your own Credit Report does not hurt your credit scores. '' * I do not want my free credit report, since it's only free once per year and I might need it later. 

* I then call the number on their customer service line ( XXXX ). All I get is an AI-operated voice line that will allow me to unfreeze my credit, but it's unclear if I'll be able to do so temporarily and then freeze it again in a day. 

* I then try various ways to get a real person to help me, but to no avail. 

* Experian 's contact us page at XXXX XXXX XXXX XXXXas no way to talk to a real person. so I'm contacting you instead to ask for help. 

To recap : All I want to do is temporarily unfreeze my credit without being forced to get my annual credit score. They should not force me to do this. I would be OK if they just set it up so that I could log in and unfreeze my credit like they advertise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a postcard that stated I was included in a class action lawsuit against XXXX  because since XX/XX/2013, I received a Notice of Our Plan to Sell Property letter after my vehicle was repossessed, which had a vehicle sale date that contained the phrase on or after. 

The settlement was APPROVED by the Court and therefore ; XXXX is required to waive my deficiency balance and request that credit reporting agencies DELETE ALL trade lines associated with my account. 

Neither of these has been done.
Product: Debt collection

This entire situation has been incredibly frustrating and overwhelming. To wake up one day and discover a debt I know nothing aboutunverified and clearly not minehas been both shocking and distressing. On top of that, being bombarded with harassing communications from various platforms and receiving threats of legal action has made this experience unbearable. As a law-abiding individual, it is deeply insulting to have my rights as a consumer so blatantly disregarded. This ordeal has taken a significant toll on my mental health, leading to sleepless nights and constant XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX for Violations of the Fair Credit Reporting Act and Truth in Lending Act Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). The inaccurate reporting on my credit and the deceptive lending practices have caused significant financial and emotional distress. Below are the details of my complaint : 1. Inaccurate Information on Credit Report : Incorrect Address : The address on the original contract was incorrectly listed as " 192 Grifeld Pl '' instead of my actual address : 2. Violations of the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) : The inaccuracies on my credit report have not been corrected despite my repeated disputes with XXXX XXXX XXXX XXXX 
Late Payments Reporting : XXXX XXXX XXXX has incorrectly reported late payments on my account, which have significantly impacted my credit score. These late payments are a direct result of the company 's failure to accurately bill and manage my account, not any fault of my own.

3. Violations of the Truth in Lending Act ( TILA ) : Finance Charges ( 15 U.S.C. 1605 ) : According to the TILA, the finance charge should represent the cost of consumer credit as a dollar amount. XXXX XXXX XXXX has included additional fees and charges that are not permissible, violating TILA 's regulations. The finance charge is the only permissible charge when financing, and any extra charges are a violation of 15 U.S.C. 1605.

4.Statutory Damages and Compensation : I seek statutory damages ranging between {$100.00} and {$1000.00} for each violation of the FCRA and TILA.

I request compensation for the financial and emotional distress caused by XXXX XXXX XXXX 's practices since the inception of my contract dated XX/XX/year>. The original contract and details are included below for reference. 

Given the severity of these violations, I urge the CFPB to take immediate action against XXXX XXXX XXXX. I am also requesting that the CFPB ensure the correction of my credit report, removal of all inaccurate information, and enforcement of the statutory fines and compensation for damages incurred. From start date of contract until this matter is resolved Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Mortgage

I have been dealing with Wells Fargo for a number of months now and my concerns have escalated to the point of retaining counsel concerning two separate problems : Problem 1 : The most immediate deals with a 30 day late mark which occurred while we were disputing what was used on the account. The representative informed that I was missing a HELOC payment from XX/XX/XXXX. While XXXX XXXX XXXX XXXX, allegedly from the Wells Fargo Executive Offices, was on the phone with me on XX/XX/18, she manufactured a story that the reason she could not just offer a courtesy discount was because of CFPB regulations. In a nutshell, the gravamen of my concern has now evolved into a matter of a lack of blatant ethics on the part of Wells Fargo. At one point in frustration, I asked that even if all of my concerns turned out to be baseless, which they are not, could she just do a onetime courtesy removal. She said she could not because of the CFPB. I informed her that the statutory framework and common sense indicates that the decision was up to Wells Fargo and the credit agencies and that I would check with CFPB. I did so and my story was confirmed ( see enclosed e mail to her, Exhibit A ). 
Quite aside from this there is the question of the witnessed conversation I had with Wells Fargo regarding the dispute and that reporting shouldnt ensue during the dispute process. Although XXXX XXXX listened in on one conversation the attached letter to her documents a number of conversations with Wells Fargo and 2 out of the 4 she found happened after my complaint to the Executive Offices. Finally, there is the poor PR aspect of this case, since at or about the time of the problem my family and I were stuck in XXXX Florida for 3 weeks and Wells Fargo would not take the mitigating factors dealing with Hurricane Irma into account. I have rese4rached this and they do not have to be compassionate in so agreeing since my primary property securing the HELOC is in XXXX XXXX not the Florida XXXX, where we have our primary family home. 

Problem 2 : As a follow-up on a problem from over a year ago, I was negotiating with Wells Fargo for a more global settlement on y then multiple accounts with them, perhaps to include a modification on the HELOC and was informed by the negotiator ( named XXXX, or close to that spelling ; in Arizona ) that she was authorized to conduct a global settlement in the {$13000.00} range, and have records showing the issuance of a Cashier 's check as instructed. All of the accounts cleared up as promised but the home equity account. I was marked seriously delinquent on the Wells Fargo account for months and my credit score seriously affected. ( Documentation and sworn statement enclosed in Exhibit B ). I should have known better without a written contract to that effect, but I was pushed to settle for an alleged global settlement with strict time contraints under the threat of litigation from the major bank.
Product: Credit reporting or other personal consumer reports

Subject : Inaccurate and Misleading Credit Reporting - Request for Immediate Deletion of Erroneous Information Details of the Complaint : I am submitting this complaint regarding the inaccurate reporting of a charged-off account by Experian and XXXX, which violates the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve this matter directly with the credit bureaus, the inaccuracies persist. Below are the specific details : 1. Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Charge-Off Date : XXXX 2. Violations of Reporting Standards : Experian continues to report this account as past due with a balance of {$1900.00} as of XX/XX/XXXX, despite the account being charged off in XXXX and written off by the creditor. This misrepresentation violates FCRA guidelines. Once an account is charged off, the creditor can not report it as past due. 
XXXX shows the date of first delinquency ( DOFD ) as XX/XX/XXXX, but also continues to report late payments post-charge-off. Late payments after a charge-off date are legally impermissible and misleading to creditors. 
Both bureaus continue to report the charge-off with inaccurate balances and payment history, even though the debt was declared uncollectible years ago. 
3. Requested Resolution : I demand the immediate removal and permanent deletion of this account from both XXXX and Experian credit reports due to repeated violations of the FCRA. 
Update the account to reflect the correct charge-off status and ensure it is removed according to the 7-year timeline from the XXXX ( XX/XX/XXXX ), per FCRA guidelines. 
4. Harm Caused : These reporting errors have caused me financial harm by lowering my credit score and misrepresenting my creditworthiness to potential lenders. 
5. Supporting Documentation : I have attached copies of my credit reports from both Experian and XXXX, highlighting the erroneous reporting. I have also included the DOFD and charge-off details for reference. 

Action Requested : I am requesting the CFPB hold both Experian and XXXX accountable for violating my consumer rights under the FCRA. I demand the immediate deletion of this account and a full investigation into their non-compliance with federal law. 

If this matter is not resolved promptly, I reserve the right to escalate this issue further, including filing a lawsuit for damages caused by these violations.
Product: Money transfer, virtual currency, or money service

My Bank ( PNC ) is not allowing me to link my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 closed my secured credit card online with a security deposit of XXXX. My current balance is actually - {$1.00} because of an overpayment that I did on XX/XX/XXXX. XXXX with Capital One said I won't get my security deposit back for up to 2 billing cycles which puts me over XX/XX/XXXX. I have another credit card with them, that I paid and a checking account, and they will only issue my security deposit back in a form of a check. It's ridiculous that my card is paid in full and my funds won't be returned back to me for over a 45 days.
Product: Debt collection

Please be advised that I, XXXX XXXX, represents the interest of the Estate of the enclosed named private man and consumer ( Natural Person ). This writing constitutes notice to you SECOND ROUND LLC of the undersigned 's claim against you and demand for damages pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) and 15 USC 1692k ( a  ) ( 2 ) ( A ) respectively. 
The facts giving rise to this claim are as follows : Count 1 SECOND ROUND LLC is a debt collector who has regularly furnished adverse/negative information about this consumer to one or more consumer reporting agencies ( third persons ) and therefore is subject to the FCRA SECOND ROUND LLC is obligated to comply with 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( I ) when furnishing negative/adverse information to a  consumer reporting agency. 
SECOND ROUND LLC furnished adverse/negative information about this consumer to XXXX, XXXX and XXXX. 
SECOND ROUND LLC has a duty to this consumer to provide this consumer with a written notice prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. 
This consumer has yet to receive a written Notice of negative/adverse information from SECOND ROUND LLC and the time allotted for doing so has since expired.

SECOND ROUND LLC has incurred statutory liability under the FCRA as a direct result of its failure to comply with the above mentioned title and section. 

COUNT2 SECOND ROUND LLC is a debt collector as defined within the Fair Debt Collection Practices Act ( hereinafter FDCPA ) ( see 15 U.S.C 1692 a ( 2 ) SECOND ROUND LLC is subject to regulation and liability under the FDCPA SECOND ROUND LLC is obligated to this consumer with a NOTICE OF DEBT ; CONTENTS as propounded within 15 U.S.C 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). 
SECOND ROUND LLC has failed to comply with the Notice Requirements set forth within 15 U.S.C 1692g Validation of Debts, specifically paragraph ( a ), subparagraphs ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). 
SECOND ROUND LLC has failed to apprise this consumer of his right to dispute and request validation of the information being communicated by it to XXXX, XXXX  and XXXX. 
SECOND ROUND LLC has incurred liability under the FDCPA as a direct result of its failure to comply with the above mentioned title and section. ( See 15 U.S.C 1692k ( a ) ( 2 ) ( A ) ) These are just to name 2 violations. Second Round LP is guilty of many  more FDCPA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting the accuracy of my 12 student loans that have been out of default sine last year of XX/XX/XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a zero balance as i have also consolidated all of the 12 loans into 1 loan! I sent a email to the CEO of Navient and got a email back from one of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XX/XX/XXXX! Now inXX/XX/XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of 120 past due as that event happened before i rehabbed my loans although XXXX the ORIGINAL bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only 3 of the 12 loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next yearXX/XX/XXXX! but these 12 accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought 3 of the 12 loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX
Product: Checking or savings account

Deposited a check to the proceeds I received after selling items from a reputable store into my Capital One 360 checking account via mobile app on XXXX  XX/XX/XXXX. A few hours later, received a notification from the company saying the deposit was successful. This was followed by an email a few minutes later saying that the Capital One reviewed the deposit and determined there's a risk the check will return - to protect me, they were delaying the availability of my funds until XXXX  XX/XX/XXXX. 

This was followed up with another email from Capital One saying that my account was being restricted until my recent activity could be verified. After review my accounts could be closed and all funds will be transferred to an externally linked checking account or sent to my by check. 

I immediately followed up with the store to see why and if their account had enough money to cover the cost of the check, which they verified that they did. 

I asked Capital One to call me back- since now my account was with a department that can not be reached directly via their customer service center but instead have to wait for them to call us back. 

I received a call from Capital One on XX/XX/XXXX saying the bank thought there was a high chance of the check being returned and to protect themselves they were cancelling my account. I have had similar restrictions placed on my account after receiving money from my XXXX program for a house downpayment and receiveing XXXX cash transfers from my fiancee in 2022- which were all ultimately resolved. 

On Monday XX/XX/XXXX Capital One successfully cashed my check- which I constantly reminded them would, based on the store 's assurances that they had more than enough money to cover for the check. My account remained frozen and Capital One did not take any action to move my funds to my externally linked checking accounts even though it is linked through the Capital One app. 

After leaving voicemails to their consumer protection department on the XXXX and the XXXX of XXXX, and receiving no reply on XXXX  XX/XX/XXXX I finally managed to call and reach their customer service and was able to connect to the consumer protection team- I was notified that my account was closed even though the check was cashed and that they would be mailing the remaining funds in my account via check even though I explicitly requested the funds be transferred electronically to my external checking account linked to Capital One. 

The bank has now not only closed my accounts ( 2 savings, 1 checking ) on a false premise that the check would return, but has also kept the money from the check for over 8 days - when I have an immediate need for the use of the funds including the paying of a mortgage, utility bills, groceries amongst others.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I decided to close my crypto account with Coinbase.com. I had {$980.00} that was supposed to transfer to my bank account, but when I tried to initiate the transaction I kept receiving the error " you're closing too many accounts, try again later ''. I contacted Coinbase to inform them of the problem and generate a case # # XXXX and was told that it was being transferred to a " specialist ''. I have not heard from anyone since then and my money is in " limbo '' with no resolution in sight. I need some assistance as I need this money for other purposes. Please help me. Thank you in advance for your attention and assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I have disputed this account with NATIONAL CREDIT AUDIT CO many times and I have never heard from them! NATIONAL CREDIT AUDIT CO is flagrantly violating the FDCPA! I am entitled to documentation of debt, 30 days from the date of the request, or it is not properly validated. Since I have not received any of the validation that I have requested, but the credit bureaus have verified the account, I would love to see that documentation! The FDCPA and FCRA are quite clear, I am entitled to the same information that the credit bureaus are!
Product: Debt collection

Portfolio Recovery repeatedly calls me and threatens me with a law suit on a debt that I do n't remember, they harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the hard or soft inquiry
Product: Checking or savings account

I been locked out of account for 5 months and it took them 3 months to send me a letter to resolve the matter ( Affidavit of identity ) I filled out every in front of a notary and sent it in, they received it on XXXX. I called them the same day to confirm they have it they said yes and to wait four days I give then a call every three days and only receive vague assurances the matter will be resolved in 3 days. Its about to be 4 weeks in 3 days. I really need access my account, XXXX of my total assets are tied up in the account. This is happening because I change my phone number.
Product: Credit reporting or other personal consumer reports

This is the same complaint I had with XXXX. Now trans Union is leaving my collection on my report when I took XXXX to arbitration and I won the case. XXXX XXXX can not collect money that XXXX stole from my account.