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

My XXXX and I are both trying to temporarily unfreeze ( thaw ) our Experian credit report. We are unable to contact Experian by phone ( their customer service line is fully automated, it's not possible to reach a person ; and we can not set up an account to request this action online - apparently because our credit report is frozen ). On XX/XX/XXXX, I mailed paper forms to Experian requesting the thaw, and I checked the option for them to promptly notify me by email of their action, but have received no reply. 

I need to complete action on an application for a credit card by the end of this XXXX, but Experian is the sole and XXXX road block. The other XXXX Credit report companies- XXXX and XXXX- both were able to promptly unfreeze my report on the same day that I requested. 

Can CFPB take steps to require Experian to acknowledge my request and respond promptly? 
Thank you XXXX XXXX
Product: Credit card

On XXXX/XXXX/XXXX, I encountered a rough forced sale in XXXX. I reported to the credit card service and revoked authorization on the same transaction day. I was assured by the card service personnel that he would take care of it. 

As soon as I got back to the U.S. and received a package without returning address, I reported to the card service. 
On XXXX/XXXX/XXXX, the charge was credited back to my account. 

On XXXX/XXXX/XXXX, I asked the car company to help return the shipped package without returning address and valid phone number. 

On XXXX/XXXX/XXXX, Barclaycard Bank card service confirmed that the fraud investigation has been completed and I am not responsible for the reported fraudulent activity. 

On XXXX/XXXX/XXXX, I received the late arrived letter dated XXXX XXXX, XXXX. That letter briefly stated the card company remained unable to pursue credit on my behalf. No other investigation document was attached. I called to reopen the investigation. 

On XXXX/XXXX/XXXX, I was asked to either send in my own investigation documents in 2 hours, or pay {$230.00} on the phone to get extension to send in my investigation. It took the card company 10.5 months to complete an investigation without any document. 

On XXXX/XXXX/XXXX, I sent XXXX XXXX XXXX XXXX a request to re-open the investigation with documents of my own investigation. My investigation on the shipped product shows the listing price of the shipped product is US {$830.00} vs. charged amount of US {$11000.00}. The over charge of the immediately reported forced sale is US {$11000.00}, even if it is real product. 
And the content of the product ( XXXX ) is what my doctor asked me to avoid. 

Since the card company stated my further request might not be answered ( dated XXXX/XXXX/XXXX ), and asked me to pay {$230.00} on the phone to get a chance to submit my own investigation for review when I requested a documented investigation, I decide to ask CFPB for help to get credit back for the reported revoked fraudulent charge with interests/penalties. 

I also want to warn other consumers the following : Consumer can cancel a check, a bank can return a check without sufficient fund ; but a credit card company can charge back a revoked fraudulent charge that exceeds available credit limit and was reported 10.5 months ago. And consumer will be required to pay a high fee to get a chance to submit his own investigation on a fraudulent charge reported 11.5 months ago.
Product: Credit reporting or other personal consumer reports

Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from my credit report. 

Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

This information was originally request in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 i was notified by ph from XXXX XXXX XXXX XXXX Tx - thaf XXXX  -reported felonies on my criminal report XXXX XXXX XXXX XXXX - including a XXXX XXXX case - This is CRIMINAL FRAUD REPORTING OF ELDERLY XXXX  - i reported to XXXX XXXX XXXX XXXX US atty general XXXX FTC id theft unit i have NOT seen tis report and will include XXXX XXXX - XXXX XXXX XXXX  owners XXXX ive emailed a info email at aMrent - vague site My atty has sent s cease and desist letter - i did not sign any authorization to provide information of any kind -. 

i demand XXXX  furnish me this report per federal law -
Product: Debt collection

I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. i ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it altogether. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete the payment history on this account to prove that the amount you wish to collect is correct I hope your legal staff will agree that non-compliance with this request will result in serious legal trouble for your company
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Debt collection

discover bank closed my account and we agreed through a verbal communication that I would pay {$62.00} a month. The date for this was never confirmed. The person simply stated the first one would be withdrawn from my account on the XXXX of XX/XX/2018. Discover gave you an online website. On this online website it does not list any arrangement or dates and also does not show a payment pending. On XX/XX/XXXX I went to the online site and made a payment of {$50.00} dollars because after waiting over a week for something to post nothing had posted to my bank account. I also called Discover and told them I did not see anything posted and the payment where not showing online. they informed me they don't show this information on line and they don't send out letters but said the agreed about was {$62.00} and it was coming out on the XXXX of each month. I informed discover on XX/XX/XXXX that I was not comfortable having an agreement where I had no written information on what the agreement was and one where payments would not show up any where and I would receive no statement about the debt or amount owed. Discover stated they would try to mail out a letter on the XX/XX/XXXX and that the payment of {$50.00} would be reversed since they already processed a payment of {$62.00}. Neither of these happened. The payment of {$50.00} went through and on XX/XX/XXXX XXXX received an email that the payment of {$62.00} did not go through. At this point I was confused how almost a month later Discover is just now processing the payment. I went onto their website and scheduled a call for Friday XX/XX/XXXX at XXXX EST. did not receive a call till Saturday XX/XX/XXXX at XXXX in the morning. Nothing was resolved. Stated again I wanted a letter talking about the arrangement was told one would be emailed to me that day. Nothing has been received. Scheduled another call for Monday XX/XX/XXXX at XXXX. Received a call on XX/XX/XXXX at XXXX. Spent majority of the call on hold and explaining to them that after getting my scheduled call 30 minutes later I did not have a lot of time to talk. Although they seemed to just want to update information. Asked again for a letter to be sent out on the arrangement this time via mail. Was told I already requested a letter. Discover bank is making it impossible to work with them and refusing to send out information related to the terms of a payment arrangement of the debt. they give you an online system but nothing can be honored on that system. At this point Discover can pull whatever amount they want at any time and I have nothing to back this. They are not answering when calls are scheduling and when you do speak to them on the phone they lie to get you off the phone and do not do what they stated they will. this hostile attitude is making it difficult for me to trust the issue will not become a larger one. due to multiple lies already done.
Product: Credit reporting, credit repair services, or other personal consumer reports

ORIGINAL COMPLAINT I purchased a new car from XXXX XXXX XXXX in XXXX of this year. I never got a bill from them until XXXX and this bill was a notice of default. My only guess as to why I never got a bill is because my home at XXXX XXXX XXXXXXXX XXXX where the bill would come to was under construction due to a major house fire causing the mail to get forwarded to a XXXX XXXX XXXX. I can only assume that the mail was returned to XXXX by the USPS. I went to the dealership who told me that XXXX would reach out to me by phone or email, both of which they have. I was never contacted of about the bill nor was I aware of the account number and had no way to pay. To make matter worse I didn't even know who to pay. I have made 6 phone calls to them placed one credit dispute all to no remedy. My pristine credit score took a 147 point drop because of this late payment being reported. I am in the middle of refinancing my home and this will cost me more than the cars value. I have 13 active credit accounts and only 1 missed payment. This one. the company is unwilling to communicate with me to correct and the dealership says they have no way to help me. 

Supplemental Complaint with Evidence This complaint was investigated and ruled against me with documentation. This documentation shows an incorrect address which the USPS has advised would have been returned to XXXX. During the time that the bills were sent my mail was being forwarded because of a house fire and the address on the bill shows XXXX XXXX XXXX XXXX when in fact it is XXXX XXXX XXXX XXXX which the forwarder machines would return to sender as an invalid address. Furthermore XXXX shows my second payment as missed which is not true as no payments were made until the first request was received by me in the mail.
Product: Vehicle loan or lease

I am filing a complaint regarding an issue with a loan I co-signed for my mother. I co-signed this loan in good faith, but I was never notified by the bank about missed payments, and I encountered significant difficulty in getting assistance to resolve the issue. As a result, the late payments were reported to my credit report, despite my efforts to address the matter. 

As the co-signer, I was not alerted by the bank when payments were missed. I was unaware of the late status of the loan until it was reflected on my credit report. Given my responsibility as a co-signer, this lack of communication left me in a difficult position. 

I never had an online account set up to make payments. Despite my efforts to resolve this issue, I could not get any help from the bank in setting up an online account or finding an alternative way to make payments. On multiple occasions, I called the bank to ask for assistance, but I was often hung up on. When I visited a branch in person, I was told that I could not get help, and despite being promised call backs, I never received any follow-up communication. 

I made payments on the following dates : XX/XX/year> XX/XX/year> Despite making these payments, the late payment entries still appear on my credit report. I believe the lack of communication and the failure to provide adequate customer service contributed to the delays in payment. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and assist in having the late payment entries reviewed and corrected. The lack of notification, difficulty in getting information, and poor customer service resulted in unnecessary harm to my credit, and I would like this matter resolved. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX 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 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

XXXX Is on my credit report, and I have never dealt with this company before, I do not owe them anything.
Product: Vehicle loan or lease

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting

I had a XXXX Credit Card account investigate though Equifax. After 30 days of investigation the account was deleted. I have a XXXX account which is updated every 7 days and the credit card account is being reported once again. What 's the since of trying to solve your credit situation and we as consumers are constantly battling with theses agencies and the information gets put back on the report after a month or a couples of months.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report noticed I had fraudulent activity
Product: Checking or savings account

I am the XXXX for an XXXX XXXX XXXX. We received a check from a donor that was issued by a bill pay service XXXX ( formerly XXXX ), but the check was incomplete. About 1 inch of the right side of the check did not print at all, so the serial number, the trailing three digits of the amount and the check date did not print and thus I am not able to deposit it. I can tell by the written part of the check, but the check was only for {$10.00}. 

I contacted XXXX at the email printed on the top of the check along with an image of the check requesting that they reissue because the currently issued check is not valid. After 6 days, they emailed me back and told me I needed to resend the physical check for them to reissue it. This feels burdensome and not consistent with regulation CC or Check 21 because I do not believe this check has all of the elements to be considered a substitute check - thus they withheld funds from this donor and the donor is unaware of that they did n't actually issue a legal check. 

I, in good faith, notified them of an error that impacted a check issued to my organization with visual evidence of their error and they are refusing to resolve it without sending a physical check for a very small amount. This is harming my organizations donor ( who is a individual consumer ) and potentially an unknown number of other unknown customers who may have also had incompletely printed checks.
Product: Debt collection

I received a letter dated   XXXX   XXXX    2017, and  called the  Ability Recovery Services LLC to pay the debt. The original amount was {$69.00}, and they sent me a   collections notice for {$83.00}. I called to pay the {$83.00}, and was told they already sent my account to collections. I paid the " {$83.00} '' and completed my call. After a couple minutes the receipt came through on my email and they charged me {$88.00}. I called multiple times and the phone number no longer worked. I   XXXX    another number for them and called, and they told me that they charge everyone an additional {$5.00}, although they do not tell people. I was sent to multiple different people and they told me that the additional fees were not charged by them, but by the   XXXX   XXXX   XXXX  . After talking to the   XXXX   XXXX   XXXX   XXXX   XXXX  , she advised me they do not charge additional fees other than a late fee, which brought my account to {$71.00} and some change, and that the other fees were the collection agency. I told the collection agency that I did not authorize an additional {$5.00} fee to be charged to my credit card, and no representative told me they would charge my card an additional fee. After being passed around and put on hold for a lmost 20 minutes, they finally told me everyone was out of the office for the day and to m aybe try calling back tomorrow. Charging my card for an unauthorized amount is illegal, and it is not my fault that their representative failed to tell me there were additional fees on top of the fee that was sent in the collection notice.
Product: Payday loan, title loan, or personal loan

I had Tesla install solar panels on my house. When they installed the panels I financed a loan directly through Tesla for 50 % and put 50 % down. 

I have decided to sell my house so I need to payoff the loan and get the XXXX removed from my house. 

On XX/XX/XXXX Tesla sent my a pay off quote and on XX/XX/XXXX I wired {$15000.00} as required by the payoff quote. 

Since wiring the money to Tesla they won't update my account showing I paid and they will not even say they received the money. Tesla won't acknowledge that I paid and are still charging me the month payment amount. 

I call Tesla nearly daily and they say it is processing. When I first for the pay off quote they said it would take 5 business days to process, not 60+ days. 

This is preventing me from sell my house and as of now it just looks like Tesla stole {$15000.00} from me. 

I have already had a buyer walk away because I couldn't prove the loan was paid off.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXXXXXX XXXX {$16000.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet XXXX is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.
Product: Credit reporting or other personal consumer reports

Cig Financial reported late payments on my consumer report without consent or notice. 

Cig financial is in voilation of 15 U.S Code 1638 a Also in violation of 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I am writing because though i have expressed many concerns with my credit report with the credit bureau, they have yet to remove this inaccurate reporting from my credit report. The following accounts are what's reporting in error : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) I pulled my report and i know all accounts should be 100 % accurate, right. Well i found alot of things that are in violation of FTC. Please remove this account from my profile immediately. 

Report Number is XXXX from experian Credit Report Reference : Reference # XXXX
Product: Money transfer, virtual currency, or money service

I have been locked out of my Coinbase account since XXXX XXXX XXXXXXXX now. I had a security key which was lost and I could not get in my account. I sent Coinbase an email to regain access to my account and they replied with a link to verify my identity. I did all the steps they required and sent all documents like Id, social, and a photo of me taken next to my ID. The issue has still not been resolved I have contacted them several times and all I get is that I have to wait. I have no way of checking on my funds or selling/cashing out any funds. There is no phone number I can contact them through. No one is helping me get I to my account.