23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024, I used the Solo Funds Inc. platform to obtain a personal loan. However, when I tried to withdraw the funds from my " solo wallet '' into my bank account, I received an error message stating that there was an " internal issue '' and to " try again in a couple of minutes or contact support for assistance ''. After waiting several hours, I contacted Solo Support. On XX/XX/2024, I received an email from a Solo Customer Service Expert. They explained that the platform was experiencing a temporary update and that they anticipated resolving the issue within the next 24-48 hours. 

Unfortunately, the issue has not yet been fixed and the funds remain in my solo wallet with no way for me to transfer them to my bank account. If I am late with a payment, I will be charged fees. 

To obtain a personal loan on the Solo platform, both the borrower and lender must enter into a loan agreement and Promissory Note. However, the platform issues are impeding the execution of that agreement. Solo has not been transparent with their users, and even after 7 days, thousands of users continue to be impacted while Solo remains silent.
Product: Debt collection

My automobile was part of my Bankrupty ( ChXXXX ) and was paid in full ( BK claim scheduled - {$26000.00} ; Claim asserted {$26000.00} ; Principal paid {$26000.00} ; Int. Paid {$3700.00} ; my case was completed on XX/XX/2017. I have the paperwork from the trustee confirming dates and payments to all creditors, showing paid in full ( including Toyota Motor Credit ). I am now trying to repair my credit and begin anew. Toyota Motor Credit was reporting me as late and again, it was all paid in my BK. They were calling me to collect payment and I explained the situation, they refuse to listen telling me and continue to tell me I owe them {$700.00}. I have uploaded my documents to them, via their website and have spoken to several representatives. I even referred them to my BK attorney and they have been useless in removing the debt that I DO NOT owe. I am at my wits end as they said if I don't pay, they will show as " charge off '' and it will affect my credit that I have been trying to rebuild after my divorce. My BK paperwork should be enough for them to see what I am explaining to them is accurate and release my title to me and remove the balance they state I owe - as again, it was paid in full ( per BK courts paperwork ). This whole process has been very frustrating and to top it off they started calling me everyday to collect - harassment. I finally told them to stop calling me and to contact my attorney or the BK courts. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you of issues with the information on my credit report. I am wondering as to how are the Bureaus allowed to report these information? With a little research I found out that I have some rights in place. The law gives me the right to dispute my credit information directly with the Bureaus. Now be aware that I have already dealt with the the Bureaus and there was no investigation made and it has been more that 30 days. Nonetheless, I now wish to exercise my rights to dispute this information directly with you so you can help me with this problem Please verify the That all balances and amounts are reporting correctly. 
That all dates are reporting correctly and that any prior pay history you are reporting is correct. Please remove this account from my credit report immediately. It has caused quite bit of damage. I want to point out that you are legally liable for any inaccurate and unverifiable information as decided in XXXX vs. XXXX XXXX. This case set a legal precedent that a person can sue the Bureaus for reporting inaccurate and unverifiable information on their credit report.
Product: Money transfer, virtual currency, or money service

XXXX account transfer before warnings were issued.
Product: Debt collection

In XXXX 2020, I first requested XXXX XXXX XXXX to address service problems, they transferred me to 2nd level C.S. Which wasa hangup. 
In XX/XX/XXXX, I ( after dozen hours spent in their poor C.S. conduct ), again came 2nd level solutions ignoring my service inadequacies, and hungup. 
I had no method to quit, no party would entertain nor process my departure, which appears to be the way their business design at XXXX XXXX XXXX is built. I informed them in two, non-ignorable ways - char session and survey in XXXX AND I ceased ALL usage of their home/mobile/both services and equipment! No usage at all past late XXXX. 
They provided no label, address nor recognition of my departure nor notice and after countless hours, consumers should not be bullied ignored nor designed out of quitting! 
With no option, i dropped their years old router at their door on XXXX  XXXX, XXXX XXXX FL. 
They kept billing usage and fres into XXXX then ignore written notices of above and came up with some made up fee equipment which isnt valid. 
Then it got worse. Years of harassment, multiple calls per day, then it was a imvalid pursuit transferred to firm 2 then to firm 3 the one that posts the inaccurate credit mark on my record, CREDENCE RESOURCE MANA {$470.00} For : XXXX XXXX XXXX I have informed FTC of these practices against consumers ; I am informing CFPB and I will continue to XXXX and more. They are requested to be informed by your agency to cease, to recognize erroneous info. from XXXX XXXX XXXX, to negate and fully clear any dispute to XXXX reflecting no such unpaid amount, no collections $ due, and for all parties from XXXX XXXX XXXX to CRM to not contact me nor hold any attempt to in any way no contact!
Product: Checking or savings account

XX/XX/2018 I opened checking & savings accounts under a {$400.00} new account bonus offer and then transferred the required funds in ( see Bonus Screen attachment ) XX/XX/2018 I started an online chat with CitiBank to ask about the bonus and was told the bonus would be applied by " XX/XX/2018 '' ( see Chat attachment ) XX/XX/2018 I  called to ask about it and was told a " promotion dispute '' Reference # XXXX would be opened and I'd hear something within 10 days. 
XX/XX/2018 Still no bonus so I called again and asked for a supervisor. I was transferred to XXXX who said he would escalate the issue. 
XX/XX/2018 No updates from CitiBank or bonus paid so I called again and asked for a supervisor. XXXX picked up on the supervisor line, told me there was nothing saying when the bonus would be paid and that the bonus team did not answer when he tried to contact them. I told him I would be filing a CFPB complaint so asked if he would put a note in the file so they can prepare a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX OF XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card

This is now my second concern regarding the same issue. I had to reach out to this agency approximately 1 year ago. This card was to have to ridiculous annual fee removed. I have attached a screen shot of the response from the company stating they have " permenantly '' removed the annual fee.
Product: Credit reporting or other personal consumer reports

In accordance with the credit reporting act this creditor ( XXXX  XXXX ) has violate my right under 15 U.S.C. 1681 I have the right of privacy The Fair Credit Reporting Act ( FCRA ), found in 15 U.S.C. 1681 et seq., protects the privacy of consumer information, and ensures the accuracy and fairness of consumer credit reports. The FCRA applies to consumer reporting agencies ( CRAs ), which collect and sell financial and credit information about individuals In accordance with Section 2 of 1681a, consumer reporting agencies are prohibited from providing account information without my explicit written instructions. And under 15 U.S. Code 1666b - Timing of 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,
Product: Credit reporting

Unable to access my credit report with experian ... ..I used report # XXXX dated XXXX XXXX 2016. I have been trying to access my report online and by phone but unable to access my report. I have also requested an updated report as I have items I have in dispute. I called the customer service number as well and am unable to speak to a live customer service rep.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I request that the following accounts be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be blocked and deleted : XXXX XXXX ( formerly XXXX  ) XXXX XX/XX/XXXX {$3800.00} XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$980.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX  XXXX XX/XX/XXXX {$4400.00} XXXX XXXX XXXX XX/XX/XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4400.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$150.00} XXXX  XXXX XX/XX/XXXX {$23000.00} XXXX  XXXX XX/XX/XXXX {$850.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$6900.00} XXXX XXXX XXXX XX/XX/XXXX {$6.00}
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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. 


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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 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! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt at resolving this issue before taking legal action. I've spoken to the company directly at least 3 times & I've disputed with the credit bureaus. Capital one informed me that these inquiries would be REMOVED from my report within 90 days but they still remain. CAPITAL ONE XXXX, XX/XX/XXXX, XX/XX/XXXX. CAPITAL ONE AUTO FINANCE- XX/XX/XXXX. All these inquiries were not made by me.
Product: Debt collection

On or around XX/XX/XXXX Midland Credit management obtained my credit report and filed a collection account on my credit report. Upon realizing later on that this account was filed and it did not belong to me, I submitted a dispute. The dispute was completed on or around XX/XX/XXXX through XXXX  and around XX/XX/XXXX for XXXX  and the credit bureaus found this account to be inaccurate and did not belong to me and resulted in a deletion. On XXXX XXXX, I was served with a lawsuit. I did not get any communication during the entire time from the date it was placed in my credit file ( which I noticed by being diligent with checking for errors ) following this lawsuit regarding an attempt to collect a debt. On XXXX XXXX I filed an answer in court that the account does not belong to me. I followed up with the law firm representing the collection agency on XX/XX/XXXX spoke to XXXX and she said that the account is in dispute ( for the second time ) and I have not been given any communication about the debt or dispute. I have proof that the original account they claim I have ownership of, is not mine and I have proof of the dispute. I would like to file a complaint. Please contact me regarding this issue.
Product: Debt collection

Was contacted by Credit Control debt collectors about XXXX XXXX fees. Called my doctor who said that the lab didn't have my insurance, so they reprocessed the labs ordered with my insurance. I have the EOB and that it had done through. Other labs were covered through school insurance under the visit. Regardless of this, collections went through to be on my credit report
Product: Credit card

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX XXXX Social Security : XXXX American Express General council office , center for cardmember and merchant litigation Mail code number : XXXX XXXX XXXX XXXX. XXXX Ave. XXXX XXXX Plantation Florida XXXX Subject : Request for Rescinding Signature, Access to Applications, and Card Reopening Dear American Express, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to express my concerns regarding my credit card applications and their associated information held by your company. 

As a holder in due course, I am invoking my right to rescind my signature on applications containing my non-public personal information, including my Social Security number. Given my decision to no longer engage in business with your company, I am uncomfortable leaving such sensitive information in your possession. 

During a conversation with your agent on XX/XX/2024, identified as XXXX XXXX XXXX, I was informed that American Express does not have an obligation to provide me with the authoritative copies of the XXXX credit card applications in your possession. I believe this denial infringes upon the Uniform Commercial Code ( UCC ) and contract law. 

In light of this situation, if it is not feasible to provide the authoritative copies of the applications, I request an alternative resolution. Specifically, I propose that you reopen all of my cards and place them in an opened-end status with no preset limit, accompanied by an automatic monthly discharge. 

I believe that this solution would address my concerns while still aligning with the legal and contractual obligations involved. I appreciate your prompt attention to this matter and your cooperation in finding an amicable resolution. 

Thank you for your understanding. 

Sincerely, XXXX XXXX
Product: Mortgage

After designing then deciding to build our families dream home on a lot we purchased my wife and I followed through and closed on a Home Construction Loan XX/XX/2022 with America First Credit Union. Just days later after a FED rate hike interest rates began to soar and the realization that my wife and I most likely would not qualify for a Home Mortgage on the back side of our 12 month build process. We then approached our loan officer about options and we were told to be patent and wait for XXXX to finish a pilot program on a 1 time close construction loan to lock in our interest rate that we could roll into. Weeks later no such program was created so we started negotiations on cancelling the note. 
They insisted on no concessions to be made on their behalf including fees related to construction inspections ( none occurred ) and fees for originating our loan covering a 12 month construction process. A total of {$12000.00} in fees were paid to fund the loan and none were refunded despite trying to negotiate {$7700.00} in forgiveness ( prorated origination fee + inspection fees ). My point to my loan officer was this is a case of services paid for and not provided by their institution and was told simply " it was just the cost of the loan ''. I offered several other reasonable request but all were not even considered. 
Because XXXX would not work with us we were then forced to secure financing through another financial institution to be able to finalize the cancellation of our note with them that occurred on XX/XX/2022. 
I had been banking with XXXX for over 20 years, had multiple car loans with them, and had thought that some kind of compromise would be made given our history, circumstance, and future goals but we found no understanding or support for our situation.
Product: Credit reporting or other personal consumer reports

Over 6 years ago I received a email from XXXX XXXX XXXX XXXX XXXX who had just switched over to XXXX XXXX XXXX. There was an error made by their system or office that sent out a email to me of a final move out statement for a damaged apartment that I never lived in for {$870.00}. I called the apartment complex and proved to them that they had sent this email to me in error because they didn't have a lease agreement from me and I had never lived in this apartment. I was told that it was sent to collections and I would have to contact the debt collector XXXX XXXX. I have tried multiple times to get XXXX XXXX to remove this debt because it does not belong to me, they ignore my request and continue to lie, and say that the debt is verified and meets FCRA requirements. It's obvious that XXXX XXXX does not even attempt to verify debt because if they did they would've quickly realized the original creditor made a mistake. This could have been resolved years ago but they refuse to even attempt to actually verify the debt which is illegal. I don't have to state all of the consumer laws that are being broken because the companies are well aware of them just as I am, and they are purposely being undermined which is illegal and unethical as a business. Being a XXXX XXXX at the time I was unaware of the steps needed to take legal action. I am now fully aware of the laws that these companies and reporting agencies are deliberately breaking and will now do everything in my power to get justice because this inaccurate information has plagued my credit report for over 6 years. I have email proof from the original creditor amongst other proof that this debt does not belong to me this is my final request to have this removed from all 3 reporting agencies before I take further legal action for fraud.
Product: Credit card or prepaid card

I kindly request that you update my account to reflect this accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has placed a debt on my account and has not verified that it belongs to me.
Product: Debt collection

They started to call me one day and said the name of the person they where looking for and I told them many times I don't know who the person is they're looking for nor have they ever lived at this address with this number. Now they call me several times a week. Every time they call it's a different person from the same number asking about this person and I keep telling them the same thing. I don't know how they got the name mixed up with this number but they have the wrong contact information.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I looked at my report. I sent a letter to transUnion on XX/XX/XXXX asking them to reinvestiagate these accounts : Account number XXXX, Account number XXXX, Account number XXXX, Account number XXXX, Account number XXXX XX/XX/year> they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to XXXX XXXX XXXX this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

TransUnion really did not reinvestigation they lied on an offical document saying they did something they did not do