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

I am writing to file a formal complaint against Comenity Bank/Sephora Visa for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which provides protections to survivors of human trafficking. I am a survivor and victim of trafficking, and Comenity Bank has failed to appropriately block the adverse account in my credit report that is a result of the trafficking circumstances. FCRA Section 605C specifically mandates that credit reporting agencies and data furnishers must block adverse accounts that were a result of trafficking within 4 business days of being notified. Comenity Bank continues to report the account, even though I have submitted the necessary documentation to complete my request, including the victim determination document, adverse account information, and proof of identity. According to tracking, Comenity received the most recent mailing on XX/XX/year>, which was sent via certified mail. It is XX/XX/year>, which is well beyond the four-business-day period during which Comenity is required to remove the account from my credit report. To comply with FCRA requirements, the bank have established procedures for their credit bureau department to submit expedited requests. 

Comenity is negligently neglecting to take immediate action and block the account that was a result of human trafficking, despite my exhaustive efforts to date. My financial well-being is being adversely affected and the trauma I have already experienced has been heightened by the failure of Comenity Bank to act. I have been working tirelessly to reclaim my life, including my financial well-being, since I was able to escape my dreadful circumstances, but Comenity is XXXX my full recovery. 

I am currently in the process of trying to relocate to a new apartment, but I am unable to do so as a result of Comenity 's failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which prohibits the furnishing of the adverse account ( s ) of victims of trafficking to any " consumer reporting agency '' as defined in section 603 ( f ). I have already received multiple apartment application declines due to the reporting of the adverse account. My life is at risk since I am confined to the same area and living circumstances. My life has already been threatened, and Comenity 's failure to comply with FCRA regulations could result in my death. I am trying to maintain calm and composure to address situations like the one I am currently in, but as a woman, I am terrified. Comenity Bank is causing great damage to my mental health amongst other things. 

Additionally, I have informed the bank of my intention to establish a repayment plan that is within my financial capacity. I will engage in this conversation directly with the bank ; however, in the interim, I am requesting assistance from all Federal agencies to hold Comenity accountable for their negligence. 

I will attach proof of identity, the adverse account information and victim determination letter to this complaint for record-keeping.
Product: Payday loan

I keep getting harassing emails and phone calls from a loan company. I attempted to pay them back several times but they will not send me any paperwork in the mail of how much I have paid or owe. The amount that they want me to pay is hundreds over what I borrowed. They threaten me with jail, court summons, and all kinds of legal actions.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to report a SERIOUS violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Experian. On XX/XX/year>, I mailed Experian a certified dispute letter regarding multiple derogatory accounts reported by XXXX. In this letter, I specifically requested that Experian provide the method of verification for these accounts. I also asked that if they could not provide this information, they must remove the derogatory entries as required by the FCRA. 

Despite my clear request, on XX/XX/year>, I received an email from Experian informing me that the accounts had been verified by the company who reported the information XXXX XXXX  ) and that these accounts would remain on my credit report. Experian failed to provide the method of verification, as required under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). They did not disclose the procedures used to determine the accuracy of the information or identify who exactly provided this verification, which is a direct violation of the FCRA. 

Per the FCRA, Experian is obligated to provide this information upon request. Specifically, Section 611 mandates that if a consumer disputes the accuracy of information and requests the method of verification, the credit reporting agency must furnish the procedure used to verify the information, including the name, address, and contact information of the furnisher. Experian has blatantly ignored this legal requirement. 

Given Experians non-compliance and refusal to provide the requested documentation, I am formally requesting that the derogatory information related to XXXX be immediately deleted from my credit report. XXXX refusal to provide the necessary information regarding the verification process means that they have failed to meet their obligations under the law. 

I request that the CFPB take swift action to investigate this matter, hold Experian accountable, and ensure that these accounts are deleted from my credit report as they have not been properly verified. 

Please update me on the steps you will take to resolve this dispute promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to Experion website to sign up to Freeze accounts. After completing all the information requested, received a notice that I need to mail in the information. Should be able to do all on-line. Very disappointed! 


We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 
Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX Your identification information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security number : Date of birth : [ ] I have included a copy of a valid police report or investigative report or complaint filed with a law enforcement agency, etc. 
Experian 2018. All rights reserved. 
Experian and the marks used herein are service marks or registered trademarks of Experian. 
Other product and company names mentioned herein may be the trademarks of their respective owners.

View Experian 's Privacy Policy
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified dispute letters to XXXX  and Equifax on XX/XX/2020. I have not received any letters or any type of reply from either company. It has been much longer than 30 days.
Product: Debt collection

BACKGROUND : On XX/XX/XXXX, I received an XXXX XXXX as prescribed by my private physician. This XXXX was in conjunction with the course of treatment prescribed by my Workers ' Compensation ( WC ) treating physician. Initially, the merging of this XXXX into the comp system was denied, however, upon appeal it was accepted as an industrial-based injury. Subsequently, disposition of billing was passed to WC ( XXXX ) for payment. Over the last four years, XXXX XXXX has ignored correspondence between my attorney, XXXX XXXX XXXX, XXXX, who repeatedly advised them to cease and desist as per California Labor Codes 4600 and 3751 ( see attached ) and recommended actions to apply for relief. CURRENT : Most recently, however, despite the final balance of {$250.00} being PAID, American Capital Enterprises , Inc. maliciously reported this payment as a serious derogatory on  XXXX. This malicious report resulted in a significant FICO score loss from XXXX to XXXX, a XXXX point value reduction as per XXXX Credit Bureau ( see attached page ). XXXX XXXX and XXXX have not reported same and do not currently reflect similar damages. I further assert that the CFPB should investigate this case and render immediate relief to my " good-excellent '' credit rating and exercise all punitive options against America Capital Enterprises , Inc.
Product: Debt collection

I am not sure where this debt came from. There was already a XXXX amount from XXXX bank and i have called and this was already closed out. Now there is one that went to Midland funding in the amount of XXXX which does not make sense to me. I don't own this card either. 

I came to know about this during my refinance of my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three accounts on my credit report with XXXX XXXX  XXXX that I did not authorize, these accounts are fraudulent and they need to be removed from my credit report with all three bureaus.
Product: Credit card or prepaid card

I applied for the Walmart  Credit Card on    XXXX   XXXX   XXXX  .  In the fine print, it states that you have to make your purchase the day of your approval to take advantage of the 20 % off your first order promotion. It instructs you to click on link to apply discount which I did, when I went to check out, it did not apply the discount so I did not place order. I called the customer service line and they said I have to wait for email link. It is now   XXXX   XXXX   XXXX     and I did not receive my link. I did receive my card today,   XXXX   XXXX   XXXX    . Before placing an order I called customer service to inquire about promotion discount email and they said there should be a coupon with the new card, there was nothing. They instructed me to place the order and call back wi thin 3-5 business days to notify them of the order and they would note my account and I would see the credit to my account in 2 billing cycles. I place my order with Walmart. The transaction go  t denied. I continued to try to place the order with my new card and it was denied. I then called customer service again. They said they see the order amount on my account and that the order had gone through. I then called Walmart and told them what Walmart Credit Card   custome r service told me and they confirmed that the order did NOT go through and they see nothing on my account. I then called Walmart Credit Card customer service back again and explained what Walmart told me. I then remained on hold for a long time while they   confirmed what Walmart told me. The rep from Walmart Credit Card customer service to ld me that there was nothing they could do for me except to wait for the pending charge to leave my account. Now leaving me with no option to pay for my large order before my trip I have to leave for needing most of these items. This whole process seems very unethical and un-managed.
Product: Credit reporting or other personal consumer reports

Equifax for my wife and me and XXXX for me will not allow us to log onto their sites. I made accounts of all three credit reporting sites so I could freeze and unfreeze our credit accounts. XXXX is not a problem. The problem with XXXX and Equifax is that they canceled the login password for no reason. They have a procedure to create a new password either by mail of phone. I filled out the mail in forms for both credit reporting firms. They both rejected the application. One sent a rejection and the other I never heard from. No reason for the rejection was given that I recall. I got on the phone to reset my password with I believe XXXX. Once I got to talk with someone for the next ten or so minutes I answered all their questions which proved it was me beyond any doubt. Then I was told to send a scan of my drivers license or passport. I said I would not do that. The only time anyone needs to see my drivers license or passport is if they are looking at it and me to verify who I am. No one at XXXX or Equifax is ever going to see me. I want them to reset the password I was using. I know they need more information than is here. They can call me at XXXX. I want the passwords reset without giving them me drivers license or passport. One was not needed before and is not needed now. Deleting my password and then demanding my drivers license or passport looks like a scam.
Product: Checking or savings account

US Bank has locked me out of account access. They have done so without explanation, and a customer service representative refuses to help, or even give her name. This bank XXXX  incompetence like XXXX from a XXXX  XXXX. They have no business using the XXXX platform or handling anybodys money in a checking account or savings account. The account security is nonsensical, the customer service is nonexistent, the prospect for a good customer experience is exactly XXXX. Regulators should put this bank out of its misery and shut it down.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 there was an unauthorized inquiry from XXXX own i notified the credit bureau of this discrepancy and they refused to remove the inquiry XX/XX/2020 another unauthorized inquiry from first Franklin
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed this inquiry for account I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove this inquiry and inaccurate accounts I never asked to get any accounts or loans with these companies.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I established an account with Coinbase.com via a referral. 

On XX/XX/XXXX I scheduled a transfer of {$100.00} from my bank to Coinbase. The funds appeared available in my account. I purchased {$1.00} of the XXXX cryptocurrency and was charged a {$0.00} fee on XX/XX/XXXX. 

On XX/XX/XXXX Coinbase informed me the transfer had failed. I then attempted to make a transfer from other accounts but they were repeatedly denied. On the same day I contacted Coinbase about closing the account and paying the balance due. 

Coinbase has repeatedly emailed me to request payment and I have continued to try to send them money but they will not provide a path forward. Their support seems to say they will not accept payment until I provide a photograph of my ID. I do not feel comfortable sharing this information. I lasted emailed them XX/XX/XXXX and they promised they would get back to me but have not yet. 

I would like to send them the balance due and terminate my relationship with them. 

The case number with them is : # XXXX
Product: Checking or savings account

In mid  XXXX   XXXX , I responded to the Bank of America 's {$300.00} cash bonus offer to open a new checking account with them. The offer requirement was to open a new checking account and make direct deposits totaling {$4000.00} or more within the first 90 days of opening the account. I opened the checking account on    XXXX   XXXX   XXXX   and satisfied the  requirement within 30 days ( direct deposit of pension payments from TIAA ). In lat e   XXXX   XXXX   XXXX   I ca lled BOA customer service to inquire about not seeing the posting of the {$300.00} bonus, the agent confirmed that I had met all the requirement and that he bonus was " in the processing stage. '' She advised me to be patient and check back in another 30 days. But after another month I still did n't receive the {$300.00}, so in early   XXXX   XXXX   XXXX     I called the BOA customer service again about it, and this time the agent told me the bonus is still " in processing. '' Once again she confirmed I have met all the requirements but she said the waiting period is 90 days after meeting the requirements. She assured me the bonus would be posted after  XXXX   XXXX  and told me to be patient for a little longer. But  XXXX   XXXX  passed and still i do n't see the bonus. I called the customer service on    XXXX   XXXX   XXXX   again , only this time i was told that my bonus was denied! They claimed that I have not made the direct deposit. I just ca n't believe this! After more than 4 months of assuring me that i have met all the requirements and that my bonus was on the way, now suddenly change the response?? And per their promotional term , 3rd par ty agent payments such as gov't and pension payments are part of the qualifying direct deposits. If they do n't mean what they say, what were they trying to do? Intentionally lying or false advertising to lure and deceive the consu mer?!
Product: Money transfer, virtual currency, or money service

I sent {$570.00} to XXXX using the online service of WorldRemit money transfer on XXXX XX/XX/2019 ( 5 days ago ) now today they start to asking me to send them my passport copies, driving license ( front and back ) bank statement, and AN SELFIE OF ME ( I still don't know what for ) then I have to call their agents to verbally say to them my address, phone number, the company I'm working for, why I'm sending the money, to whom and what is our relationship ( is only {$570.00} US dollars ) Five days after I send my money, WORLDREMIT do not deposit to the recipient, Mr. XXXX XXXX in XXXX, this means WordRemit is doing business with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was emailed by a company I do business with my credit rating went down. It when on state the reason, which was I was delinquent on a mortgage. It also stated as being reported by TransUnion. 

I called the bank and read them the riot act for showing delinquent on a loan I had paid off. The bank responded by telling me they never reported that. 

I called TransUnion, and asked how they made such an error. I was emphatically informed how wrong I was, that TransUnion couldnt have made the error, and I needed to demand that the bank contact TransUnion and fix the banks mistake. I did file a dispute with TransUnion. 

I emailed the bank, they sent a form to TransUnion informing them again on my loan status. The same day I emailed them, they sent it. 

Now I call TransUnion, they tell me they cant see my account due to the dispute. I cancelled the dispute so they could see my account. They saw the statement from the ban yesterday & from mid-XXXX. Neither showed me being delinquent. TransUnion continued to claim the bank made the mistake. I asked they pull the statement that preceded the XXXX statement. She claimed she couldnt. We all know TransUnion has that information. Lets guess, the previous statement was from mid XXXX. Why would TransUnion update my credit report in early XXXX fro a statement from XXXX, and why they would ignore the XXXX statement? And that supposition is based on me being truly late, which I wasnt. 

Why can they screw up and I pay the price?
Product: Debt collection

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX DATE : XX/XX/XXXX AARGON AGENCY {$650.00} ORIGINAL CREDITOR : XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON AGENCY {$650.00} ORIGINAL CREDITOR : XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX   SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX