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

Dear Consumer Financial Protection Bureau, I am writing to formally complain about Experian re-adding an account that was previously removed from my credit report due to confirmed identity theft. The account in question is : XXXX XXXX XXXX Account Number : XXXX ) This account was removed from my credit report after I provided documentation of identity theft, including a police report and an FTC Identity Theft Report. However, on XXXX, Experian unexpectedly and without notice re-added this fraudulent account to my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft when provided with appropriate documentation. Additionally, FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) mandates that credit bureaus notify consumers in writing within five business days if previously deleted information is reinserted. I have not received such notice from Experian. 

This action by Experian is causing significant stress and could harm my financial standing. 

I request that : The fraudulent XXXXXXXX XXXX  account be permanently removed from my credit report. 

Experian provide an explanation for why this account was re-added without proper notice. 

Any further reporting of this fraudulent account be immediately stopped. 

I kindly ask for your assistance in resolving this matter and ensuring that Experian complies with FCRA regulations. Please let me know if additional documentation is needed. 

Thank you for your attention to this urgent matter.
Product: Checking or savings account

On XX/XX/2023 I made an internet purchase of video cameras from XXXX XXXX of {$150.00} using my Chase Debit card through XXXX. I received confirmation of the purchase and confirmation of shipping with tracking. XXXX XXXX mislabeled the package with a non existent address and the package traveled to my local post office. The post office could not make delivery and the XXXX XXXX tracking service notified me of the mislabeled package. I immediately went to my local post office and inquired about the package in hope that the package would be available, however the post office had already sent the package by return mail to XXXX XXXX. I then attempted to contact XXXX XXXX buy phone and by email. I received no email response and I phoned them as well and the phone went straight to voice mail and disconnected. The post office sent me photo evidence of the mislabeled package and I have all documentation of this transaction. I then made a claim with Chase Bank for a reversal of my Debit card payment XXXX XXXX XXXX and Chase gave me a Temporary refund until completion of my claims investigation. On XXXX XXXX XXXX Chase Bank contacted me with a denial of my claim. I had provided all documentation of the transaction and the postal evidence to Chase Bank. I then spoke with Chase bank on the phone and was informed that since XXXX originated the transaction, XXXX must handle the matter. I then contacted XXXX and they informed me that since I made the claim with Chase Bank, XXXX could not help. I am stuck between a rock and a hard place and am requesting your assistance for the return of my funds. Documents are available at any time upon request. Since this incident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of 2022 I sent a check in the amount of the account balance. The check has been cashed, however, they have never credited my account. I provided the check amount, the bank it was drawn from, the date it was send and the date it cleared the bank so they could investigate the matter. Now, the creditor has insisted that I obtain an image of the returned check, which I have. Currently, they are refusing to provide me with a way to submit the image of the check other than by fax, which I do not have access to. I believe all of this is in an attempt to hold on to those funds as long as possible, meanwhile I have no way of being compensated for the time and expense of trying to correct this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following items which I believe appearing to be erroneous in my file. These items are having a negative effect on my credit score. Therefore it needs to be verified and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}XXXX XXXX  XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}. 

Also, I would like to request your verification of the aforementioned items. If you can not prove the accounts information to be 100 % precise, please correct or update them right away.
Product: Credit reporting

XXXX XXXX XXXX is an unauthorized inquiry that was reported XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

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
Product: Student loan

I was the co-signer on a loan. The borrower was unable to pay, and defaulted. I settled with them for a lump sum payment. After paying, they will not allow it to be removed or updated on my credit report. It still shows I own them $ XXXX. I have called them a number of times. They just say it 's not there department, and transfer me to another, this happens about 3 times before they send me back to the main number. I have tried emailing, and calling every number I have for them. They are NO help at all even though I paid them for a loan I never personally got benefit for ....
Product: Checking or savings account

US BANK XX/XX/2023 CLAIM XXXX CHECK ACCOUNT XXXX XXXX XXXX XXXX I opened a debit card claim for merchandize not received on XX/XX/XXXX, provisional credit was made a couple of day later and now I saw that was removed. 
I never received any letter on my mail requesting more information or the status for this. 
My mailing address on file is XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX Also I made a call on XXXX XXXX and didnt provide any information about the case, and they only said we will call you back in 2 days. Im out of the country now so I cant receive calls of my phone. 

On XX/XX/2023 I made 2 purchases for an amount of {$93000.00}, it was a Smartphone XXXX XXXX XXXX each one. 
On XX/XX/2023 I went to the same store to buy 2 more smartphone {$93000.00}. 
At the moment of the purchase the seller didnt have on stock those smartphones at that store, so they will send it from their warehouse to my address, and I should get it not later than XX/XX/2023. 
The seller never sent any information about the shipment or delivery confirmation. 
I tried to reach them several times without any answer starting on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with the accounts below. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I set up automatic payments in XXXX/XX/XX/XXXX ( after having a perfect payment history with this vehicle AND an XXXX XXXX ), because I was getting married, moving, and became a XXXX ( which I spend 60+ hrs/wk ). It was vital that I had automatic payments set up because I knew I would not have the time to do much else other than work and sleep for ~2 years as I earned my time at work as a XXXX . I thought everything was fine until my wife had me check my credit report last month as we are ( were ) looking to purchase a house.

Specifically, I called Hyundai in XXXX/XX/XX/XXXXand spoke with a man by the name of XXXX. He confirmed I had automatic payments set up and that it might take a payment cycle or so for it to get up and running. So I paid over the phone with him there and didn't look back. My job and life are overbearingly busy ( much like anyone who reads this probably experiences too ), and I frankly never checked in with anything or anyone.

To my surprise, Hyundai has been reporting my payments late in excess of 120+ days ... which I immediately paid upon learning. I called them and explained, but they did not care and they actually hung up on me. I was respectable and calm on the phone, why would they do that to me unless its such a hot potato they don't want to touch it. And this is why I am filing this with you, they have ruined my credit because of a failure on their part.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Equifax to have XXXX XXXX deleted from my credit report, The house was sold XX/XX/XXXXXXXX  but for some reason it is reporting that I have over {$40000.00} late payments. Instead of deleting the account because of so many errors concerning the payments Equifax kept the account on my credit saying closed. Still reflecting that I have not been paying the mortgage with a past due balance of {$40000.00} as of XX/XX/XXXX, that is not possible when the house was sold. Equifax keeps reporting incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

My ex wife took my son to XXXX XXXX XXXX for treatment I did not agree with nor gave consent to. She used my Health card information and I was wrongly charged. Multible letters were sent to Snow and saur, last letter sent XXXX XXXX 2014. I am not responsible for this bill. 

Thank you
Product: Debt collection

I owed a debt to XXXX XXXX XXXX who turned the unpaid debt of XXXX to a collection service United Revenue Corporation ( XXXX ) XXXX. I set up a auto draft of XXXX monthly to draft for 6 months and pay in full, no settlement. The auto draft was paid for 4 months bringing the balance down to XXXX. I was unexpectedly hospitalized and off work this week and could not afford the auto draft. I called the company and spoke to a rep named XXXX. I informed her I wanted to cancel the auto draft and make smaller payments monthly in an amount I could afford, depending on when I go back to work. She told me that if I cancel the auto draft, my account would be reported to the credit bureau. She put me on hold for a while and came back to say that she had notified the cashier 's office to cancel my auto draft and I was now subject to being reported. I asked how to make monthly payments in the future to pay my balance in full and was given the info to call in and make monthly payments because they would no longer accept a check from my bank, only credit cards. I informed her that I would notify my bank not to accept any further drafts from her company and report her to this office for threatening me with harm to my credit report. At that point she became rude and I discontinued the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters and not getting response. This is very unfair and goes against the FCRA. The bureaus are taking advantage of me. They should not be able to break the law like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several requests to investigate inaccurate accounts on my credit report. I have been really patient with them. On XX/XX/2020 I requested Transunion to provide me, a description of their reinvestigation procedure / their method of verification. I received no response. On XX/XX/2020, again I requested in writing Transunion to provide me a description of their reinvestigation procedures and/or their method of verification. No response!!! I have been trying to apply for a home and their inaccurate records on my credit have caused me so much stress and loss of faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently in a divorce. Sometime back in XXXX I had an alert that my credit had dropped. My score at the time was about 810. Logged into and reviewed my credit cards and noticed a Discover card with a {$20000.00} balance. I called Discover explained my concern. Sure enough the acct was opened by a mail in. Card is in my name but ex is the only authorized user and her cell and email address was listed as contacts. Discover refused to give me the full acct number. They opened a fraud case. Discover does send me the statements. There was a XXXX balance at date of separation. In two months ex charged {$20000.00} out of spite on a card I had no knowledge of. Discover got back to me and said after reviewing, there was a few payments made from a joint checking acct, I also didn't know about this acct either! So because of this loop hole they could not charge fraud. I've called several times, spoke to many reps and basically get a new story each time. I even went to the police attempted to file charges, their hands were tied too. On XX/XX/XXXX I called and spoke to XXXX # XXXX. He informed me that if I made a {$200.00} payment then Discover would re-open the case and then this would be taken off my credit. They have yet to keep their end of the deal. I have the money to pay in full and will but I want my once perfect credit to be restored. I'm a victim of Discover being able to send a mail in request for card, loop hole of payment being made from checking that had my name and a malicious ex. All I'm want is my credit restored to the XXXX it was and Discover can have their money IN FULL!
Product: Debt collection

I noticed I had a negative mark on my XXXX XXXX from debt XXXX Elite Recovery Group LLC for a past due balance. I have never received any notice that any account of mine was going into collections. And I never received any communication from Elite Recovery Group LLC regarding any account of mine. The entry of my credit report was dated XX/XX/year>, so it's been nearly XXXX XXXX  and I have never received anything from Elite Recovery Group LLC.
Product: Credit reporting or other personal consumer reports

Ive reviewed my consumer reports and noticed that I had a few late payments on an account that I was never late for. Consumer reporting agencies have became a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have listed below : XXXX XXXX : account ending in XXXX starting with XXXX XXXX XXXX : ending in XXXX starting with XXXX XXXX : ending in XXXX starting with XXXXXXXX XXXX XXXX : account # XXXX XXXX  : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was never late. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof of unverified late payments to all three credit bureaus showing how late payments had not been verified because they were showing differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sent them, however, that is not what I requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and Equifax are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019. XXXX and Equifax are showing me once deliquent on XXXX acct, this account was NEVER late. I am attaching proof of the inaccuriaces and proof of how the 3 bureaus ( Equifax, XXXX and XXXX ) are reportng unverified and misreporting information on my credit report, after several letters requesting information be investigated. They closed all my disputes and the mis information remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act this creditor has violated my rights under 15.USC. 16.81 section 602 states I have the right to privacy.

15 USC 16.81 section 604a section 2, states an credit agency can not furnish account information without my written instructions.

15 USC 1666b states that a creditor may not on an open credit card account treat a payment under an open consumer plan as late for any purpose.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, The following information is what I faxed to Citi-Card Bank over my Billing Error Dispute with XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, in the amount of {$4300.00}. This dispute was originally opened on XXXX, and is still under review to this day ( over a year later ). I have attached several statements that will verify that this dispute has been re-opened and under review since XX/XX/2020. 

I received charges for goods that weren't delivered as agreed, by XXXX XXXX XXXX XXXX XXXX XXXX. Citi-Card 's lengthy and inadequate/poor/misguided investigation has resulted in a clear violation of The Fair Credit Billing Act. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear Citi-Card Billing Disputes, I paid for an expensive XXXX XXXX XXXX ( Seasonal Energy Efficiency Ratio ) Heat Pump and Electric Indoor Furnance, as stated on the invoice shown below. 

XXXX XXXX ( Sole Proprietor of XXXX XXXX, XXXX XXXX  XXXX ) installed a cheaper, much less efficient XXXX XXXX XXXX Heat Pump and Electric Indoor Furnace on XXXX. I clearly did not order this model of XXXX Heat Pump and Electric Indoor Furnace.

The attached documents fully supports my position. 

I still have not received the more expensive super-efficient XXXX XXXX XXXX Heat Pump and Electric Indoor Furnace, that I paid-in-full for on XXXX. Our texted correspondence ended on XX/XX/2020. 

XXXX purposely installed the cheaper, less efficient Heat Pump and Electric Indoor Furnace, assuming that I would never notice the difference. If I hadn't filed for the AEP rebate and been denied it, I probably would have never realized that he took advantage of me. 

This XXXX XXXX Heat Pump and Electric Indoor Furnace that XXXX installed versus the XXXX XXXX Heat Pump and Electric Indoor Furnace ( that I bought ) will prevent me from saving an additional $ XXXX $ XXXX on my electric bill over the expected 15-25 year lifespan of these two ( 2 ) units. 

Please notice the invoice I paid and the description of the Heat Pump listed is XXXX XXXX. XXXX changed the invoice through the Joist Application, back to a XXXX XXXX Heat Pump, around XX/XX/2020, once he found out I knew that he had scammed me. 

Thank you for your assistance in this very important matter. Please don't hesitate to call or email me if you have any questions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Cell # XXXX
Product: Credit reporting or other personal consumer reports

Regarding complaint XXXX which was submitted on XX/XX/year>, Equifax failed to me it's obligation. 

this complaint serves as formal notice that Equifax Information Services LLC has violated the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I submitted a request for the method of verification regarding a bankruptcy reported on my credit file, and Equifax failed to provide the name and address of the entity that verified this information, as required by law. I specifically asked for the name and the address of the party who verified the Bankruptcy as Equifax claims it has done. 



Under the FCRA, you are legally obligated to disclose the source of verification upon request. Your failure to do so is a direct violation of my rights, and as a result, Equifax is now exposed to civil liability.
Product: Debt collection

I have reached out to this company multiple times that the report on there is not accurate and to remove negative remarks
Product: Vehicle loan or lease

I leased a XXXX XXXX  XXXX at XXXX XXXX  in XXXX, Washington on XX/XX/2021. I have had many new XXXX  model vehicles. At the time I leased my XXXX, I paid the first lease payment prior to delivery. 

By the end of XX/XX/2021, I had not yet received any account information by mail from TFS. I started to call Toyota, and received the typical unhelpful customer service. Nobody could help. Nobody could find the vehicle. No account existed. I was referred back to my leasing dealer. 

My leasing dealer continued to fail to do their part to get my account finalized with TFS. They told me I should make my second payment ( due XX/XX/2021 ) with them and they would send it on to TFS. I did so on XX/XX/2021. At this point, I had made two payments toward my XX/XX/2021XXXX  lease. 

I continued to call and continued to receive unhelpful and/or downright rude customer service from TFS and its first level customer support representatives. 

Finally, after getting fairly assertive about my account with both TSF and XXXX XXXX, TFS created my online account on XX/XX/2021, just a few weeks short of my third payment due date. 

As soon as I learned the account was created, I logged on. Unfortunately, I saw at this time that my account was two weeks past due for reason that my second payment of {$590.00} had not been credited to my account. I immediately made a third payment toward my lease ( This should be the payment which is due on XX/XX/2021 ). 

I began calling again. TFS agents hung up on me, told me to just pay another payment to avoid a problem, and generally gave me the same dumpster fire-level customer service that has become the norm. I was referred back to my original leasing dealer, XXXX XXXX. 

XXXX XXXX response ( through their finance Director ) was to give me the back end telephone number for TFS Dealer Financing department, their dealer code, and tell me to contact TFS. 

I called the TFS Dealer Financing Department and reached a person named XXXX. He was alarmed that a dealer gave me the back end telephone number and code to reach him, offered no assistance, and created a report of the incident presumably directed at the dealer. 

I next called TFS customer service and demanded a supervisor. I received one. I explained this situation yet another time, and was told I needed to fax my banking information and receipt over to TFS. I am now doing so. I demand you fix this issue and resolve my account so that I am not doing all of the work for TFS, Toyota Motor Co., and XXXX XXXX. To date, Ive done more work on this than any of these parties and Im the customer. I have paid 3 payments already. My account should reflect such. 

Please help me fix this since I appear to not be making much headway.
Product: Mortgage

XXXX XXXX transferred my mortgage to Mr Cooper. After the transfer there were two payments that XXXX XXXX did not send to MR Cooper. They kept the payments for three months and later sent them back to me. Mr Cooper is charging me late fees and reporting me to credit bureaus. They are being really difficult and refusing to remove the late chargers and refusing to fix the credit bureau reports. 
My loan number is XXXX