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

This is regarding a hard inquiry : XXXX XXXX XXXX on XX/XX/2021. 

Their investigation and re-investigation did not prove to me of my consent to run a hard inquiry on my background or credit. I tried and tried but TransUnion provided me with no concrete proof that it was authorize by me. I will take accountability for it when I know it was authorized by me but this is not one was not by me. I need this to remove off my credit report.
Product: Credit card or prepaid card

I pre-paid for services with XXXX XXXX a.k.a. XXXX XXXX XXXX on XX/XX/XXXX. I made 2 appointments with the office of which XXXX was a no show for both. I called, emailed and texted her multiple times with no response. Her office stopped offering that service due to COVID and refused to refund me. After multiple attempts to resolve I submitted an electronic dispute with Care Credit/Synchrony Bank on XX/XX/XXXX. I chatted with multiple reps each week asking for an update and every 60 days my dispute was resubmitted with no letter sent to myself. On XX/XX/XXXX I chatted with a Care Credit rep who said a manager would review with the dispute department and within 48 hours the balance would be adjusted. When I went into chat on XX/XX/XXXX I was told the dispute was cancelled and I needed to resubmit. I am looking for the balance to be adjusted to by {$1000.00} on tracation reference # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the XXXX - XXXX XXXX. XXXX XXXX disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the XXXX period described in subparagraph ( A ) XXXX be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( XXXX ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX XXXX does not belong to me.
Product: Credit reporting or other personal consumer reports

My accounts 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 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 to be removed/updated. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

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!
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 reporting, credit repair services, or other personal consumer reports

Experian is showing a late payment on my credit file for XXXX account # XXXX in XXXX of XXXX. Also Experian is showing a late payment for XXXX account XXXX XXXX for XX/XX/XXXX after the account was reported closed. According to 15 U.S. Code 1666b.Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Money transfer, virtual currency, or money service

( The exact dates are little loose because it was a few months ago and Coinbase did not document much of it in emails to me as they usually do for something reason. ) On XX/XX/23 I made a large Bitcoin purchase through Coinbase. Coinbase allowed this charge through and took a {$270.00} fee. It was during a lot of price action with the asset. It was clear that there may be up to a 3 day hold on the funds, but may even be available before that. When I tried to access my funds I was told that it was still subject to review for up to a week. 

After the week I still could not access my funds. I purchased them with the explicit intent to trade the funds during all of the ample price action. After finding I still did not have access to the coins I contacted Coinbase again and inquired. I was then told that they were subject to an extraordinary hold for review and that there's nothing else they could tell me about it. The funds would be available in 3 weeks. 

Upon contacting customer service again and kindly exhausting any options I could possibly have with the representative, I was placed on hold and then told that they " reviewed your account and determined that you are not eligible to use the Coinbase platform '' they could not give me any information as to why. 

Worst yet I was ONLY allowed to sell the coins through the platform and transfer the money off, I could not just move the coins and move on from the platform. The price had fallen 15 % in that time and I was forced to sell at a loss. 

Not only was I forced to sell at a loss for no explanation, but they charged me ~ {$300.00} both on the purchase and on the sale. 

I had absolutely no reason to expect there would be any issue making this purchase as I had been a happy, faithful customer for 12 years. Now they caused me to lose over {$1000.00} in losses on the asset, ~ {$1000.00} in the loan I took out to take advantage of the opportunity in the first place which turned into an absolute loss instead, and then on top of that they charged me {$800.00} in fees for the service. 

At the VERY LEAST they should absolutely be required to refund me the transaction fees which they did not honor in any way. They charged {$400.00} to sell me coins they chose to not let me use, then FORCED me to sell it through their service as my only option for another {$400.00} with no explanation whatsoever after no contentions with the company for over a decade. 

All in all it came to roughly {$3000.00} for things completely out of my hands, entirely at their discretion, where they will disclose nothing about what happened and got to just force this on me behind closed doors. Let alone the opportunity cost of getting the asset at such an opportune time and being able to trade it as planned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank - {$490.00} open account sometime in XXXX / XX/XX/2021 some fraudulent opened the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a pre-qualified vehicle financing letter for my business, XXXX XXXX for XXXX XXXX XXXX! It was issued XX/XX/2022 by XXXX XXXX. 
As of the XXXX day of XX/XX/2022 XXXX sales representative fraudulently used a report from an unknown source for denial of my grantor extended consumer credit, if my XXXX XXXX  Trust number was used XXXX money was removed this is theft committed by XXXX I never used a fraud credit reporting system because there is not one for a legal mechanism for privacy see 15Usc 1602 Truth in lending, see 31 Usc 9304-9308 authorized bond officials/residential agents REMDEY BY A Competent jurisdiction necessary XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX    I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter   XX/XX/XXXX    . All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.
Product: Checking or savings account

Greetings, I called Penfed customer service to report unauthorized activities in my account and the first agent that took my dispute was very kind and assure me that I will be getting my money back. Then I receive an email from the security department that if I had authorized some transactions and I told them no. They saw the discrepancy with the account because they with withdraw {$300.00} and then refunded me and then charge me again for three different {$300.00} dollars transactions, {$500.00} and {$100.00} I spoke with the security department and they told me that they will transfer me to customer service after being on the phone with them for over one hour. 
The last agent I got then tried to treat me with an attitude, and they have not refunded my stolen money, and that is shameful because even one of the agents told me that it is weird.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I filed complaint last time, about my Credit file items to remove. However, after reviewing my credit file, the accounts and inquiries I listed in my letter last time, still reported on my credit report. There is no investigations made for my file. 


TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

( Account name XXXX Account number XXXX ) This account was written off as a charge off but I never received a 1099 cancellation of debt form and because of this, this account is reporting inaccurate and has to be removed. 

I tried numerous times to get this removed from my credit report from Experian, XXXX XXXX and XXXX and have been unsuccessful.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, I was issued a loan by WLCC d/b/a XXXX XXXX for {$1000.00}. I have paid {$1000.00} to date and XXXX states I owe another {$960.00}. Per South Carolina ( my state of residence ) payday loan regulations, I should have only been charged $ XXXX/ {$100.00} borrowed. I should have only been charged {$150.00} on top of the {$1000.00} borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL CREDIT CARDS, BANK ACCOUNTS, LOANS WAS APPLIED FOR USING MY PERSONAL INFORMATION I DID NOT GIVE ANY CONSENT TO ANYONE TO USE MY INFORMATION THESE ACCOUNTS WERE OPEN UP FRAUDULENTLYI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Mortgage

In XXXX of XXXX, I requested a forbearance plan with UWM and was told I could skip payments up to a year, and when I was ready, the payments would be added to the end of my loan and I could resume my normal payment. In XXXX of XXXX, I was financially ready to end the forbearance and requested it to UWM. The website process indicated that I would resume payments as previously mentioned. A few days later it changed and I was told I had to apply for a loan modification. Since XXXX of XXXX I have gotten the run around and constant excuses and delays. I have called in dozens of times and responded to ALL document requests in a timely manner. At one point the loan modification was denied and I had to reapply. They stated my income was wrong, when I had provided all the required pay stubs and income verifications ( multiple times ). They will accept the documents and say its under review. A month later they ask for the same updated documents. Its very frustrating and a constant circle of postponement and no end. They blame the initial confusion on the forbearance on the VA that supposedly changed the program in XXXX of XXXX with no notice to the consumer. I have attempted to resolve the issue with UWM and have not been able to. PLEASE HELP XXXX XXXX UWM loan # XXXX XXXX XXXX
Product: Debt collection

XX/XX/20, Called me from a spoofed local number, then 6 minutes later called me from their business number. 

They keep calling my parents landline after being told by my parents that I can not be reached at that number. dates and numbers of recent calls to my parents. 
XX/XX/20 ; XXXX, XX/XX/20 ; XXXX, XX/XX/20 ; XXXX at XXXX and XXXX, XX/XX/20 ; XXXX, XX/XX/20 ; XXXX, XX/XX/20 ; XXXX, XX/XX/20 ; XXXX, XX/XX/20 ; XXXX. 
Thats just this month so far, XX/XX/XXXX and XX/XX/XXXX are just as bad. 

I have told them I don't want to talk to them, I have hung up on them and blocked their numbers yet they repeatedly call me and my parents over and ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person

who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX 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 reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear DISCOVERBANK, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws applicable in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that DISCOVERBANK has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides protections against identity theft and fraud. The Missouri Revised Statutes Section 570.223 emphasizes the criminal nature of identity theft and the unlawful use of personal information. Further, the Missouri Merchandising Practices Act ( MMPA ) under Section 407.020 establishes protections against deceptive practices, including unauthorized credit reporting. 

I assert with unwavering certainty that I have not provided consent for DISCOVERBANK to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that DISCOVERBANK immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that DISCOVERBANK will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX