23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have reached out to the XXXX XXXX  and to the creditor Hunter Warfield this identity theft. I have submitted proof of residency in the last few years and they claim that I lived there in 2017 which is impossible because I had a lease agreement in XXXX  which is also where I worked as well. I have never lived in the state of Oregon. A few years ago I had my id and social stolen and its been used few times which is why I am trying to dispute this due to interest accruing.
Product: Credit card

I closed my secured credit card account in good standing, having made all payments on time and followed the terms of the card. I requested a refund in XX/XX/year>, but I have yet to receive it.
Product: Money transfers

Venmo approved funds to be loaded from debit cards into my husband 's account and to be transferred to my Venmo account. 

I initiated a bank transfer, but venmo wo n't release the funds from my account to be deposited into my checking account. I do n't have access to the funds and no way to contact Venmo other than email. 

Address/ssn/drivers license have been submitted to venmo to verify identity, but funds are still frozen. 

I have attached a copy of frozen bank transfer email confirmation.
Product: Debt collection

BELMONT FINANCE LLC at XXXX XXXX XXXX XXXX XXXX, WI XXXX has been sending me collection notices in the amount of {$2200.00}. The collection has been reported as pasted due balance. I do not know this company. This company does not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

The debt is not mine and that caused my Credit Report to be mislead and inaccurate.
Product: Vehicle loan or lease

I submitted a credit dispute through XXXX due to duplicate billing in XX/XX/XXXX. When we called Chase auto in XX/XX/XXXX the reps said it was paid up to date but then we received calls from delinquent accounts reps due to the account being past due.

In XX/XX/XXXX Chase denied my request to investigate and restore the good credit reporting. The auto loan is now paid in full and I wold like further investigation due to the duplicate billing in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Regarding XXXXXXXX XXXX Tradeline ending in account number XXXX. XXXX factual dispute to Transunion. XXXX sent method of verification to Transunion XXXX XXXX sent method of verification follow-up to Transunion. XXXX Replied back with updated & verified status. XXXX another round 1 dispute to Transunion. XXXX sent another round 2 dispute to Transunion XXXX XXXX sent another round 3 to Transunion XXXX XXXX sent another and final round 4 dispute to Transunion XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is not correct or my current employer 's. My current address is XXXX XXXX XXXX, XXXX, GA XXXX. I'm currently unemployed. I am not retired nor do I work at XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to the IRS Canceled debt ( CHARGE OFF ) Is gross or ordinary Income. According to the Credit Bureaus Income does not get reported on your consumer report. 
So This CHARGE OFF is inaccurate.
Product: Credit card or prepaid card

I filed a complaint with the CFPB on XX/XX/2018 ( complaint number XXXX ). The issue was involving 2 fraudulent charges on the credit card statement - one for {$120.00} which Citi cleared up immediately after receiving the CFPB complaint, the other was for {$1700.00} which still has not been resolved and cleared from our account. After several calls back and forth over a 6 week period into late-XX/XX/XXXX, Citi claimed that the charge occurred too far in the past for them to issue a credit and had us, the consumers, deal directly with the merchant. 

This is not how it works at any other bank ( I know from first-hand industry experience working for a bank that issues credit cards ). Citi should have recognized the fraud loss and charged down the balance on our credit card ( not the same as with general credit related losses ) and then attempted to recover the losses by going to the merchant themselves. This is why they have a massive recovery and collections department. 

I have never seen an instance where a fraud charge was considered " too old '' to be able to rectify the issue so I am highly skeptical of Citi 's explanation of why we needed to go directly to the merchant. Even the merchant could not believe that Citi would have the cardholder contact them ( see the attached email chain ). 

This whole experience was a nightmare trying to get the merchant to even respond to us without giving us the " run-around '' and Citi just made it worse by deviating from common industry protocol.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to dispute XXXX XXXX. TRANSUNION NEVER RESPONDED TO MY REQUEST. PLEASE DELETE FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX  XXXX-Balance {$0.00} XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX. I sent the equivalent of XXXX  XXXX to my partner, with whom I'm in a long-distance relationship. I chose Wise ( formerly called Transferwise ), because they promised that the transfer would happen instantly. It did not. My money is being held for " checks '' ; the company requested information about his name, date of birth, and place of residence. I forwarded the information at around XXXX on the same day. 

He still has not received the money. On the website, it says it will not happen for another four working days.
Product: Credit reporting or other personal consumer reports

XXXX and Experian are reporting XXXX  on my credit report. The account is inaccurate and needs to be removed immediately.
Product: Credit card

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Sir/Madam, I am writing to formally file a complaint regarding the abrupt and unexplained closure of my Bank of America credit card account. I had accepted a promotional offer of 0 % interest until XX/XX/year> and have always maintained a good payment history with this account. 

To my surprise, my credit card was suddenly closed and canceled without any prior notification from Bank of America. When I contacted the bank, the representative informed me that the closure was directed by XXXX. However, upon reaching out to XXXX, I was told that their role is limited to reporting credit information, and they do not have the authority to close accounts. 

I find this situation extremely unjust and confusing. As a responsible customer who has adhered to all the terms and conditions, I believe I deserve a clear explanation for the closure of my account and the immediate reinstatement of my credit card. On XX/XX/XXXX, I contacted Bank of America customer service, and they refused to provide information, claiming that they sent it via mail, which I have not received. On XX/XX/XXXX, I contacted XXXX, who couldn't help me as it was the bank that made the decision. 

I would appreciate your assistance in investigating this matter and providing a resolution as soon as possible. Please let me know if any additional information or documentation is required from my end. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just read the dispute I have with American Express. The following statements from American Express are fault. 
1. I booked XXXX business class tickets not XXXX. 
2. I was trying my best for 2 years to provide documents and send them to the insurance.

3. It is completely irrelevant with whom American Express back secures its credit card offers. My contract partner was American Express not a unheard of insurance. 
XXXX. XXXX XXXX  in the beginning of the lockdown was vanished. No one answered the phone! I was unable to retrieve any documents from the airline. To use this situation during XXXX lick down of the entire city of XXXX XXXX is to he ashamed for. 
5. I had contact with American Express more then 90 times in this matter. After 2 years and no results I told American Express due to breach of contract I will stop payments until this matter is resolved. 
6. My account was closed and I did not charge any additional amount to the card.

7. American Express has placed my account several times under past due and back to investigation. By keeping the card Itself blocked.

This procedure damsged my credit more then 200 points.

8. American Express new upfront I will stop payments untill this problem id resolved. Reported was thst I did nit pay my bill. I paid the bill just not onto the American Express account.

9. As requested before, reinstate my account, reenstate my credit, and I will resume payments
Product: Credit card

i went to shop at TJ Maxx XXXX XXXX XXXX the XXXX of XX/XX/2024, with total purchased of XXXX items. Total XXXX dollars, the cashier marketed to me. the store credit card which i l decline with no consent given, only for me an hour later, i got a hard enquiry. on my XXXX credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

**Complaint/Letter mailed to the White House** ( see attached ) Experian Credit Bureau consistently fails to investigate and resolve ( 2 ) complaints submitted : Resolution process began XX/XX/2021. 
Complaint ( 1 ) - I have mailed countless certified letters to Experian to remove all negative reported items by " XXXX XXXX XXXX '', debt I do not owe. Experian was mailed pertinent documentation to prove that the debt was not mine. Experian CONSISTENLY ingnored my requests, but responded with ONLY a screen shot of my credit report, and while only responding with " Company has certified the debt to be accurate ''.

Company did NOT mail " Original Documents '' to validate debt, but mailed Its own Company-CREATED invoices, which are MISLEADING ( FALSE ) and INCOMPLETE.

Complaint ( 2 ) - Experian was mailed a Certified letter to have " Credit Inquiries '' removed from my credit report. Experian AGAIN, responded with a SCREEN SHOT of my credit report, while NOT resolving the issue at hand. ( Experian was provided with copies of my credit report with highlighted items, as well as copies of " Inquiry '' requests to be removed. Complaint COMPLETELY ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  Balance : {$930.00} XXXX XXXX XXXX  Balance : {$920.00}
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, CA. During this purchase, I traded in my XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX offered to give me the payoff amount for my trade-in, and we concluded the transaction the same day without issue. On XX/XX/XXXX I was auto-debited for my monthly payment on the XXXX XXXX . After two weeks, Hyundai Motor Finance had not processed the payment from XXXX XXXX, and by extension XXXX XXXX XXXX, to release the lien and transfer the title to XXXX XXXX. At the time, I was not concerned as I knew I would be reimbursed. Two days later on XX/XX/XXXX, Hyundai Motor Finance processed the payoff from XXXX XXXX, and my account was closed by Hyundai Motor Finance. I waited for my refund check from Hyundai Motor Finance. 
After approximately 3 months I called Hyundai Motor Finance and reported I had not received a check. They told me they would issue another check. I waited another month ( XX/XX/XXXX) and called again to report I have not received a check. They said they would issue another check. I wanted another month and called Hyundai Motor Finance again after not receiving a check. This time I was escalated to a supervisor who reported that XXXX XXXX has to request the check as XXXX XXXX overpaid for the vehicle by definition, and that XXXX XXXX has to refund me. I was explicitly told that the Dealer has to call in. I gathered information and communicated with XXXX XXXX. 
I then began communications with XXXX XXXX, Controller for XXXX XXXX, and she has been attempting to assist me. Throughout the entire process, Hyundai Motor Finance has continued to delay, and misdirect XXXX XXXX and still has not made any attempt to refund XXXX XXXX, XXXX XXXX XXXX, or myself. XXXX talked to multiple different reps, including XXXX and XXXX, and got varying responses. XXXX was then told that they could not help her as the customer would have to be the one to call in. This goes against everything I was told. I then attempted a final call in XX/XX/XXXX, at which point I talked to XXXX XXXX He said he would resend the refund check to XXXX XXXX XXXX and would follow up with me in XXXX business days. XXXX XXXX never called me, and XXXX checked with XXXX XXXX XXXX and they never received a check. 
It now has been almost 1 full year, and Hyundai Motor Finance is continuing to engage in deception and fraud as to not return an over payment. All that I ask is that I am refunded the money I am owed by Hyundai Motor Finance, which amounts to around {$560.00}.
Product: Credit reporting or other personal consumer reports

Experian closed another complaint that is computer generated response which is completely out of touch with the problem
Product: Checking or savings account

My debit card was used without my knowledge by companies under fake names that I could not find. I submitted a dispute claim through chase and it was declined. 
I have attached pictures onto this form that show the amounts and on what dates the money was taken. I have never been to XXXX yet somehow the charges appear to have been made in XXXX
Product: Credit card or prepaid card

I dont know what happened i guess thats on whoever let someone run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian by Certified Mail on XX/XX/21 regarding an account, XXXXXXXX XXXX XXXX Account Number : XXXX that I disputed due to Identity Fraud. Experian DELETED the fraudulent account on XX/XX/21 but reinserted the account on XXXXwithout notifying me first in writing. According to 15 U.S. Code 1681i ( B ) - Requirements Relating to Reinsertion of Previously Deleted Material- if any information is deleted from a consumer file, the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also, if any information that has been deleted from a consumers file is reinserted, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion. This law states that the furnisher must also provide the consumer with the business name, address, and telephone numbers of the furnisher that contacted the consumer reporting agency, in connection with the reinsertion. Experian has failed to notify me of the reinsertion within 5 days, they have failed to certify that the information is complete and accurate including sending me the requested documents/proof they used in their investigation to validate the disputed account, and they have failed to provide me with the furnishers name, address, and telephone number. As a consumer I have the legal right to know why this account was reinserted on my credit file, I have the right to be provided with the documents/proof Experian claims to have that verifies/validates that I am responsible for this debt.

Experian is in violation of the FCRA. My rights as a consumer have been violated, and Experian should be held accountable for their negligence and willful disregard for Federal Law.
Product: Mortgage

The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

NSTAR/COOPER  XXXX
Product: Checking or savings account

I want to report that this bank is practicing things that are not favorable to the customer. I checked online banking ( I have pictures ) and my account was and still is fine but there was an overdraft fee. When I call in the guy tells me pending items that are not posted can give you a fee and online banking cant show real time items and the balance in there back system tells them why I got an fee. However the screen shots dont reflect that and it doesn't make sense that you provide me a product that doesn't work to help maintain my account. If at the end of business i see XXXX why do they have XXXX. That would have reflected pending items and there for I shouldn't have had an overdraft fee because there was enough money to clear the check from my actual balance. The bank is getting over and this should be looked at. I do have pictures to prove this. This is not good practice especially in this time.
Product: Debt collection

I had checked my credit report and found fraudulent accounts. I disputed the accounts for a few months with the credit bureaus and with the debt collector. I filed a police report and a FTC Fraud affidavdt. LJ Ross still refuses to remove this fraudulent account from my credit reports after months of fighting. I need help from the  government now to resolve this issue.
Product: Credit reporting

XX/XX/2015 I worked out a payment plan with XXXX XXXX so I could pay off a delinquent amount owed. When the Rep first told me about their generous payment plan option she told me that they would waive all late fees, interest and annual fees to help me pay off the balance if I agreed to terms that they would directly tap my checking account for a set sum every month for a year. The problem is when I asked how this would affect my credit report she said she did not know. I had to work out something so I took the offer. Now however I have some debt I truly need to pay off including XXXX XXXX and want to refinance my mortgage to tap my home equity to pay it off once and for all. The problem is that I just learned through applying for a refinance that my FICA score is so low due to XXXX continuing to report that I am delinquent. When I spoke to XXXX Customer Service a few weeks ago, they told me that they were aware that any of their payment plan options on my card would, in fact, affect my credit since they do not attempt to adjust for the acknowledging the payment plan I am on. My complaint is that the original Rep did not reveal this to me. If I had known this at the onset, I would have immediately worked to refinance XX/XX/XXXX before my FICA dropped so precariously low. I feel the original Rep was deceptive in not properly investigating internally how her own company would handle my credit reporting. And, they wo n't send me the transcript of the original Reps ' call with me either, which I feel further proves they are hiding behind what was not said and should have been. Now not only am I prevented from getting out of debt and paying XXXX off sooner ( to their own disadvantage I might add! ), but I am financially strapped until this XXXX debt is paid off this fall. I can not wait to do this as I am getting into deeper debt every month as my other credit card bills continue to mount with interest. The ONLY one reporting me delinquent is XXXX -- every other card issuer and bill payer I am on time. This is serious for me. Can you help get them to eliminate the delinquency reporting so I can get my FICA score back on track to get a refinance and pay them and other creditors off?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I went to the website XXXX and tried to request my free annual report to be provided to me through the U.S. Postal system. I was on a public computer with no connected printer. This was not possible. The website only allows an online viewing and printing. 

The site provided a " contact us '' tab which provided only one phone number : XXXX. I called this number about 15 times and was unsuccessful in requesting my report. I do not have a phone and could not provide my phone number when requested. The answering machine would not let me proceed past this point. I tried many other options but never could get to a human. 

I went back to the XXXX website and in the FAQs there are directions for downloading a form and submitting your request in writing. I have searched everywhere on the website but there is no form and no link to download a form.
Product: Credit reporting or other personal consumer reports

Equifax has exhibited a consistent pattern of willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite receiving multiple dispute notifications and clear evidence of misleading information reported, Equifax has repeatedly failed to conduct proper ( re ) investigations as required under 15 U.S.C. 1681i. Furthermore, Equifax has failed to implement and maintain processes and procedures to ensure maximum possible accuracy in the credit files it maintains regarding Consumer, as required under 15 U.S.C. 1681e ( b ). Equifax has also failed to correct or delete information it could neither verify nor correct for the XXXX XXXX ( XXXX ) account/tradeline, in violation of 15 U.S.C. 1681i ( a ) ( 5 ). 

Between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, Equifax received several detailed dispute notices from Consumer apprising Equifax that the collection account needed to be removed due to both FCRA and FDCPA violations. After conducting an investigation and reinvestigations, Equifax has persisted in reporting the false, misleading, inaccurate information in the files Equifax maintains regarding Consumer. Most alarming is that on XXXX XX/XX/XXXX, the Collection agency noted it would " begin its investigation shortly, '' yet Equifax purports to have finished its initial investigation and reinvestigations by XXXX XX/XX/XXXX. Under 15 U.S.C. 1692g ( b ) of the FDCPA, when a Collection agency receives a dispute notice from a Consumer regarding the alleged debt, the Collection agency is required to cease all collection efforts UNTIL the debt can be verified and validated. Thus, as the alleged collection item has neither been verified nor validated by the Collections agency, and Consumer has filed a direct dispute to which the collections agency has responded stating it will " begin its investigation shortly, '' it is unlawful under the FCRA and FDCPA to report the collection item in credit files Equifax maintains regarding Consumer. The information is misleading in such a way and to such an extent that it [ could have been ], expected to have an adverse effect [ on the consumer ] ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ) ). Consequently, Consumer has suffered harm.