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

I have contacted the creditor and all three reporting agencies on XX/XX/2023, XX/XX/2023, and XX/XX/2023 times this year. They never provide any documentation substantiating with evidence or information to report the late payment on the Supreme Lending account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6.2, which states I have the right to privacy ( 15 USC 1681 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. Also creditor may not treat a payment on an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed, or delivered to the consumer not later than 21 days before the payment due date.

Statements are not delivered to me no later than 21 days before the payment due date. The statements are created on the XXXX of the month prior and mailed to me, thus not delivered until at most 3 days prior to the payment due date, and often, they are delivered after the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to delete these accounts because the information was incorrect and I was a victim of identity theft : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX & XXXX ( Original Creditor : XXXX ) Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX and EQUIFAX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX  XXXX XXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 card or prepaid card

1. My purse was stolen in XXXX on XX/XX/XXXX. I reported this immediately to Citibank and had my card cancelled. No charges were attempted. I asked them to wait to send the new card. I called them on XX/XX/XXXX and asked them to send the new card to my US address. 
2. On XX/XX/XXXX I returned to the US, found my new card safely in my mail in a sealed envelope and activated the card. I used it for a few charges over the next two days. 
3. On XX/XX/XXXX, I flew from XXXX to XXXX XXXX. When I arrived, I had a message from the Citi Fraud Department. I called them back and they asked if I had purchased something at the XXXX store in XXXX that day. I insisted that I did not. They then said they would need to cancel the card, even though I had only had it for three days. 
4. A new card was sent out to me in California two days later and I assumed that was the end of the matter. The charge of {$1600.00}, followed by a credit in the same amount, appeared on my next statement. 
5. In XXXX, the charge appeared BACK on my statement saying 'security reversed. ' I called Citi who said that because I did not respond to a letter, they are now treating it as an actual charge. I called three different times to dispute this. Every time I had to start completely again explaining the situation to the nice people in the XXXX. But the charge was still not removed. 
6. On XX/XX/XXXX, I was able to get hold of someone named XXXX in the Security Department who assured me she could get it taken care of. I sent copies of plane tickets and rental car receipts to prove I was in the air at the time of the charge. 

The charge continues and every month finance charges are increasing. I refuse to pay this fraudulent charge and want Citibank held responsible for not obeying the laws.
Product: Vehicle loan or lease

I purchased an XXXX  back in XXXX that was brand new and the loan was with OneMain Financial. The entire amount was a little over XXXX for the XXXX. Last year of XXXX, I was having financial issues due to lack of work and I had to get another loan in order to pay my bills which was a little over XXXX. Instead of keeping the loan separate because I was told they couldnt do XXXX  anymore they added the XXXX with the XXXX loan and sent me my title which made the loan equal to about XXXX. I ended up having to call another company to take over the loan because OneMain started harassing me about the loan. Im not really sure what the whole deal about not being able to do XXXX  was about but something didnt seem right to me at the time. Im just trying to be sure I wasnt scammed out of any extra money.
Product: Prepaid card

Since XXXX my account is not working. I am trying to transfer money from my money network EDD account into my bank account. Their system fails and they tell me that they are working on fixing it. I have been unable to successfully transfer money since XXXX with no resolution in site. Today I will attempt to close the account and get a check mailed to me to access my funds ( over XXXX k ). 
However, the last time I tried to call, I was on hold for over 2 hours when their system said 30 min. Then I tried to call again and let the system call me back and it never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS ONCE AGAIN REPORTING XXXX BANKRUPTCY PUBLIC RECORD BELONG TO XXXX XXXX XXXX, XXXX AND 4 ACCOUNTS IN OTHER SECTION, BEEN PENDING DISPUTE STATUS FOR 5 MONTHS NOW DELETE ALL 4.
Product: Debt collection

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. PLEASE DELETE THIS FRAUDULENT ACCOUNT AT ONCE : XXXX  XXXX  XXXX  # XXXX. I dispute this debt and any accounts you may have in your office. The original creditor is also a 3party junk debt collector and has also failed to send any notice or verification of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent ExperianXXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded stating that they " verified '' this item through XXXX XXXX. I then went to XXXX XXXX to dispute the item in question and XXXX XXXX was not able to verify the bankruptcy, so they deleted it from their database. 

Then again on XX/XX/XXXX and XX/XX/XXXX, I sent another letter to all 3 credit bureaus and showed them the deleted bankruptcy from XXXX XXXX as well as letter from the courthouse stating they do not report to any agency. The letter is also informing them that if they could not verify how the item was verified, then it needs to be deleted according to the FCRA. Once again, they refused to delete this item which is hindering my ability to purchase a home and causing me to pay thousands more in interest per year. 

Since XXXX, I either got no response to my inquiries or a generic " account is verified '' with no explanation which I ask them to refrain from. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$39.00}
Product: Credit card or prepaid card

On XX/XX/2022, called to product change my Chase Sapphire Preferred credit card to a card that does not have any annual fee associated with it. During the call, representative advised I could change to one of three cards. The card ultimately selected was the Chase Freedom Unlimited credit card. However, on XX/XX/2022, upon receipt of card, i noticed the card as the Chase Freedom card, not the Chase Freedom Unlimited card I selected. Upon calling the number listed on the back of my Chase Sapphire Preferred credit card, the representative said there was nothing that could be done to change the card to the Chase Freedom Unlimited.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act this creditor has violated my rights, under 1581 section 602 states I have the right to privacy.Section 1581 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15usc166B a credit can not treat a payment on a credit card under an open consumer credit plan late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint against XXXX Credit Card for failure to comply with The Fair Credit Reporting Act, specifically Section 609, 611 FCRA. I am enc, osung the response of XXXX regarding my initial complaint with the CFPB. The letter from XXXX only makes certain statements that are clearly not true and at the very least disputed. They did not provide any of the specific items they are required to provide under Section 609, 611. In fact, the FTC sued XXXX for engaging in the very same type of conduct XXXX is engaging in. P, ease fund notice of the FTC Lawsuit against XXXX fir failing to provide victims of identity theft specific information under the FCRA. XXXX XXXX has not provided ANY of the required documentation under Section 609, 611 FCRA, I did not call them in 2016 and did not make any payments to them in 2016, I was NOT in the country or able to cal, them at that time. Since their letter admits they did not provide the required documentation under Section 609, 611 FCRA any statements they made should not be considered as credible. I deny ever opening an account with them and as the furnisher of this erroneous information XXXX, XXXX and Transunion must be remove it from my file. Please be clear, XXXX provided NO proof as mandated under Section 609, 611 FCRA. Perhaps prior to responding the next time, they will read the FCRA and provide the mandated documentation they are required to.
Product: Credit reporting or other personal consumer reports

Not my inquiries Remove immediately from my credit report.
Product: Debt collection

I disputed my medical debt with XXXX and XXXX under the XXXX XXXX XXXX and they both removed this debt from my credit report due to a violation of my HIPPA rights. Experian is refusing to remove after disputing despite me making an attempt which is also violating my HIPPA rights. Ive sent out a letter to Experian about this matter as well on XX/XX/2023. Im attaching the letter sent and proof that the other Bureaus such as XXXX and XXXX has removed this debt from my account.
Product: Vehicle loan or lease

last week XX/XX/XXXX I got in contact with Westlake Financial Services www.westlakefinancial.com, in order to negotiate the deferment of postponement of my 2 loan that I have with them 1 ) XXXX XXXX XXXX loan was approved for around XXXX in XXXX of XXXX. 
2 ) XXXX XXXX XXXX : Loan was approved from XXXX in XXXX of XXXX. 
I spoke with one of the agents and explained that due to the severe impact of Covid-19 in our family financials we were not in the position of paying the car loans, I asked for a postponement of deferments of the payments and he said he wasn't authorized to do such request, I asked to speak with a supervisor and he refuses to transfer the call saying that the supervisor was supposed to say the same thing because they don't have a program to help anybody with financial issues. I asked to have a supervisor to reach me out otherwise I will report this to the authorities. 
I called today XX/XX/XXXX to see if anybody was available to deal with my request and obtained pretty much the same answer, I hope someone can help me to defer those payments ( I'm not asking to forgive that money ) in this difficult situation. 
Thank you.
Product: Debt collection

Dear CFPB, My name is XXXX XXXX XXXX. I do not owe any money for XXXX XXXX XXXX. That is a lie and it was a credit card dispute with XXXX. They tried to charge me a month of rent, when I didnt even live there. They also kept my security deposit which is illegal. XXXX already handled this. XXXX XXXX lofts refunded me, and I refunded them. This should not be in collections or a debit collector. That is illegal what they are doing and fraud. They already were paid. I paid all remaining charges while I lived there as well. See more documents for proof. I also was recently sent updates from XXXX as requested to show you guys more proof, where they were even just recently credited. This again should not be in collections! Please contact XXXX. See all receipts in PDF file! Thank you again! 



Best regards, Mr. XXXX XXXX XXXX
Product: Credit reporting

I have been unable to reach Trans Union to cancel my membership. They keep charging me {$17.00} a month because they do n't offer an option to cancel auto-pay, but you ca n't reach anyone by phone. 
The website provides only a toll free number to call, but you never get a live person. I have called the number posted on their website ( XXXX ) four times.The hold times ranged from 18 minutes to 43 minutes but I could never reach a representative. The " Click here to cancel '' link is broken, and they do n't provide a chat or email option. 
This seems like deceptive business practices.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 Someone hacked my paypal account and made multiple transactions to a total of {$1600.00} XXXX {$1000.00} paypal Instant tranfer to a prepaid visa card, which is not mine & {$660.00} from my bank Creditcard to a person named XXXX XXXX ( XXXX ). 
At the same time, this person has faked sending multiple amounts to my account and put all of them on-hold. 
Below are the amounts sent to me and put on hold Pending : XXXX XXXX + {$600.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$650.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$650.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$200.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$350.00} ON HOLD XX/XX/XXXX Held Money Received XXXX XXXX + {$500.00} ON HOLD XX/XX/XXXX Held Money Received Completed : VISA Card -  negative {$1000.00} XX/XX/XXXX Instant transfer using Card VISA Card XXXX XXXX - negative {$660.00} XX/XX/XXXX Money Sent These transactions were made @ XXXX while, I was out away from phones & computers, so no online activity from myside. 

It took a while to know what was happening and the first thing I did was to change the password for paypal account. 

Disputed the transaction ( Case : XXXXXXXX ) @ XXXX, hoping for a positive resolution and got a response @ XXXX that it is NOT unauthorized and denied my dispute. 
I tried calling paypal customer service ( for 3 consecutive days ) staying in the line for hours but no luck. Paypal agent mentioned that the person who did the fraud has claimed a dispute against me saying, I sold something to him and he didn't receive the product. Now paypal is investigating his dispute and declined my dispute transaction as authorized. Paypal is waiting for me to respond on his dispute, not sure what I can do here. 

I responded to my declined dispute email to provide evidence, on what basis my dispute is declined but haven't heard from Paypal yet. 
I even reported to local police station for record purpose and also reported to Complaint Referral Form Internet Crime Complaint Center. 

I couldn't reach the department which looks into Unauthorized transactions and help me resolve the issue, that is the reason I am here raising a complaint to reach Paypal team.
Product: Mortgage

We applied with Wells Fargo in 4 different occasions in XXXX  for loan modifications. We had both a first and a second. Wells Fargo was never responsive and we lost our home
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase and things seemed okay for almost a week. Then with no explanation, my account access was blocked, and I can not log in. 

I have sent 6 emails, asking for help, and I received one automated email saying they were looking at the cause of the problem. I sent a follow-up email asking for an update, and received a reply saying the case was closed. - However, my account is still locked. 

I opened another case via email, and received the same reply that the problem was going to be reviewed. I have sent 3 additional emails asking for an update, but now I get no reply 's at all. 

At first, I thought perhaps their system was having a problem, but with the lack of customer notification and contact, it is my sincere belief that they allow an account to be opened, and then they freeze the account after crypto positions are purchased, perhaps to ensure the positions can not be sold as the market drives their value lower. 

In one of my emails, I asked they either unfreeze my account, or sell the holdings and send me the proceeds. ( Again no response at all XXXX This company has no customer support by phone, except to report fraud on your account, which causes the account to be shut down. - No one will speak with me. 
At this point, I believe I have been scammed out of nearly {$600.00}. 

Any help you could provide would be most appreciated. I am not unreasonable - If someone from Coinbase could at least explain what the problem or issue is, maybe I would not be feeling like they are a scam company that needs to be investigated. 

My account has been un-accessible Since XX/XX/XXXX.