23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$0.00} U S DEPT OF ED/XXXX XXXX XXXX XXXX {$0.00} U S DEPT OF ED/XXXX XXXX XXXX : {$0.00} U S DEPT OF ED/XXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$7200.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF ED/XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX LATE PAYMENTS Part XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to or ; THE LAW CLEARLY STATES : Transactions between the consumer ( XXXX ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have XXXX calendar days to update my Payment history and or delete all late payments from the below account/s transactions experiences between the consumer and the person making the report A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

[ XXXX XXXX XXXX XXXX XXXX Account # XXXX ] Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 16XXXX ] Best regards, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX. 2021, I called Loan Depot ( loandepot.com ) to inquire about streamlining refinancing of my existing FHA loan with the option as stated in the FHA/HUD guidelines of not credit qualifying, as my credit score is low. While it has come up over 50 points in the past year, I continue through COVID working hard to get it up even further but have an opportunity to save at least {$450.00} a month with a refinance given the current interest rate market. I meet all the other qualifications to refinance. I spoke with XXXX XXXX, XXXX ID XXXX. I explained the situation precisely, what I was looking to do and that I had credit concerns. he acknowledged an understanding of how the FHS streamline refinancing works, stated that Loan Depot can help me, and started the process of starting an application. He couldn't find me for whatever reason and asked for my ss # as an identifier which I provided. He then without asking or telling me, ran a hard pull on my credit. I was made aware of that through the credit monitoring service ( XXXX ) I use. I asked him why he pulled my credit and she said he did it to identify me. With the pulled report, their system showed no options for loans and it appears they don't do FHA streamline refinancing or don't understand them as he originally indicated. I asked if he could somehow reverse the inquiry as he had no permission to do so and he never responded, after multiple attempts. Most of our back and forth including the entire exchange with pulling credit was done by text and the transcripts are available. If I could not be helped, that is fine. But, I should not leave in wore shape than I came to them in. Bad Business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting errors and rumors on credit reports.
Product: Money transfer, virtual currency, or money service

I am a premier customer with this bank and attempted to make an international wire transfer to another company through their online web portal. The system is secure and works well, except that the wire process never shows the actual amount that the recipient will receive at the current exchange rate i.e. I am never told what rate is being applied. I called their customer service on XX/XX/XXXXand the representative said that it should say in fine print, once you confirm your transaction, which never happened, even when I confirmed my whole wire-transfer process. I was not happy about that and was able to cancel this transfer within 30 minutes, however I feel this is really dodgy service by this world renowned financial institution and I am super-frustrated with their wishy-washy response which has wasted a lot of my time, and possible monetary loss due to fast changing exchange-rate which is not in my favor. Kindly take a look and have them enforce a clear communication about the exchange rate, so I can proceed forth with this.
Product: Credit card

On XX/XX/year> i purchased a very expensive ring from saks fifth avenue. When the item arrived package was left at my front door. I opened package to see that the wrong item was sent to me. I contacted saks and i was sent a shipping label. I sent the item back the very next day. Item was delivered back to the warehouse and while there, they never refunded the money spent from my card, but without informing me they sent back the wrong item to me stating that they could not find item under my account. Which they would not have, because the wrong ring was sent to me from the very beginning. When the item was delivered for the second time. I contacted saks and i explained what was happening. and i was told specifically that i should have called, so i can send pictures. After i sent pictures, they sent me another shipping label on XX/XX/year> which was XXXX. Days and weeks went by no refund and i was being charged interest on my account for a product that i did not have, but was forced to pay. i escalated the issue about 4 times and still did not get a refund. I even reached out to commenity bank and they reached out to me saying that i had to resolve with saks and included in a letter what i ordered and a signature that was not mine. I never signed for the package when it was first delivered. I got home and package was sitting at my doorstep. Again i reached out to saks the very same day after receiving letter from commenty bank I spoke to a supervisor. And shockingly he said he doesnt understand why they didnt send package back to me. And i said to him why would saks want me to take rersponisbility for an item that i never ordered and was sent to me in error on behalf of saks warehouse.So i was charged {$6800.00} on my saks card and i have nothing.I dont have the ring i ordered neither do i have the wrong item. So saks basically stole from me, refuse to reimburse me and is forcing me to pay on my credit card with interest. This is has to be FRAUD!! all returns were in the time frame of the return policy. Which shouldnt even matter when the company is in the wrong and at fault .To make matter worst they state that the item that they sent to me in first delivery which was incorrect will be on hold an will not be shipped back to me. So they charged my card sent me the wrong item.Deny sending me wrong item then kept the wrong item. Lied in statement that correct item was sent and signed for which is not true. my bill is dued on the XXXX of every month and im billed and forced to pay for not having anything. And with such a high balance this can affect my credit and ive been so frustrated because everyone that i spoke with made it seem as tho i will be ok and i will be refunded. And 5 months later nothing has been resolved. I have never been cheated the way i have from any store, like i have with saks. and i have been so loyal and i have spent thousands at this store. I inserted pics of item that was sent to me in error. everything i send should be documented on there end. the original item i was suppose to recieve should be on website to compare. An emails between me and customer service.
Product: Credit reporting or other personal consumer reports

I was looking to buy a home, on XX/XX/2023. I went to XXXX to look at my credit and discovered that my credit card was damaged badly! According to the 15 U.S.C 1681 law, there should not be any damages on my report which is defamation to my character.
Product: Debt collection

After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit card

This whole issue started when I lost my XXXX Costco card during transition period when it was switching to Citi Costco card. I called XXXX to report my card lost and they said there were some fraudulent charges, but because my account was transferring over to citi that XXXX would take care of it. So then the fraudulent charges transferred over to Citi Costco CC. I called citi to tell them what happened, its seemed that the solved the problem ... But now Citi wants me to pay for fraudulent charges ... This is not right at all. XXXX dropped the ball as well as Citi.
Product: Debt collection

I received a call from XXXX XXXX XXXX  ( XXXX  ) XXXX about an unpaid debt and was threatened with litigation. When I tried it to get the details of the debt, I was told they did not have the information. The debt was for a credit card I never had in the amount of {$450.00}. When I explained to the representative that this may be fraud, she said shed put the information in the file. Several months later, they called my husband for the same reason. When I called back to understand why they called my husband, I was hung up on. I called back and when I reached someone else, they claimed they could not locate my account and hung up again. This is harrasment.
Product: Credit reporting, credit repair services, or other personal consumer reports

During separation, the XXXX XXXX XXXX that I co-signed for was left in my possession XXXX XXXX My Husband ( XXXX XXXX XXXX filed for XXXX XXXX XXXX that listed the XXXX during our divorce- XX/XX/XXXX Total Loss date of XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX pymt of {$16000.00} to XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX was approved XXXX  XXXX XXXX balance that can not be pd off is {$8200.00} - XX/XX/XXXX Divorce finalized - XX/XX/XXXX Contacted XXXX XXXX XXXX XXXX to dispute `XXXX open '' status & pay $ XXXX balance which I was informed Im not allowed to- XX/XX/XXXX Contacted CFPB to file a complaint - XX/XX/XXXX CFPB closed case with no resolution - XX/XX/XXXX XXXX XXXX  reported to credit Agencies a new balance of {$22.00}, XXXX - XX/XX/XXXX Submitted XXXX XXXXXXXX Credit Dispute - XX/XX/XXXX XXXX XXXX says no new information was reported to Credit Bureaus ; however every time I dispute that update report with that new date - XX/XX/XXXX XXXX XXXX says the account is just reflecting the last information that was received prior to XXXX and no payment can be made or no new information is being reported to Credit Bureaus ; however XXXX the credit report copy, I attached shows the last payment received is the date my husband submitted his XXXX that wasn't even approved yet. Furthermore, since I continuously called XXXX XXXX and filed disputes through my credit agencies, XXXX XXXX has now reported that my balance owed is {$22.00}, XXXX as of XX/XX/XXXX, and that I am 60 days past due since XX/XX/XXXX. I do not understand how this information is accurate and being reflected or reported correctly. I am in the process of buying a house and because of this one inaccurate update that plummeted my credit score, I am now ineligible for VA Loan. I've been working tirelessly to repair my credit after my divorce and this ongoing issue is incredibly difficult being a XXXX XXXX XXXXXXXX veteran I am very limited in what I can do to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 
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 21 days before the payment due date. 


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 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Money transfers

I sent {$1600.00} to an individual in ohio. I was required to provide a girst and last name of the recipient so they could be identified. The recipient went to a walmart store to pick the money transfered up and was informed there was hold on the money sent. I was forced to call customer service to have the hold released. I have called three different times and have been placed on hold for over an hour each time. Now the person who has been trying to recieve the money has been waiting for over three hours. The cash money that i gave to moneygram is held up and can not be released. Why is there a hold on cash money?
Product: Credit reporting or other personal consumer reports

Ever since XXXX I have requested experian and XXXX to remove these fraudulent accounts due to identity theft. They didnt do nothing in XXXX and XXXX but Experian remove the account and put it back on the report within a hour in the same day, when they must give you a 5 day notice of reinsertion. So both of these credit bureaus told me that both of my police reports and ftc reports were fake and instead they did a verification of the accounts to the maximum accuracy and I ask them why they denied my fraud report and I ask for method of verification and they said they dont have the information. I told them if they dont have the information that they must delete. The fcra 15 USC 1681 sec e ( b ) that my accounts my be accurate to the maximum accuracy or delete the accounts. I also looks my Experian credit report, for your name, address and other items they have identifiers, so they can try to prove that the XXXX XXXX XXXX account and the other accounts under dispute right now, they switch the address from the address where the account was really open at and put my address I love at now but the house wasnt even built in XXXX or XXXX, these are over 120 days this year along where these accounts must be deleted because of non verified, inaccurate information reporting negative information under my report. So since they said the police report is fake if they dont remove this items I will give the police the letter and force them to subpoena in court, they didnt verify the accounts after they rejected the fraud ftc so the accounts should be immediately remove. I also approved for a {$440000.00} loan but got denied after a repulled where those accounts became charge off. I got denied XXXX cars for XXXX  and other loans as well, lost {$12000.00} bc XXXX mark two of my positive accounts as fraud when I never disputed those. These two bureaus has cause so much damage in my life, cause me to be on medication for XXXX and XXXX. And hurt me financially, this is why I will never give up but it will be court from this point forth. I highly advised those bureaus to look at that inaccurate information and removed it because it is passed there time and tell XXXX to not forget about the other accounts, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, that they have as a charge off and the other account thats at this moment is under dispute. Not one of these accounts are accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 finish a account without my written instructions
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
SECURITY CREDIT SERVICES Original Creditor Name : XXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX  Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX # XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX : {$860.00} XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX, XXXX  Balance : {$0.00} XXXX XXXX, XXXX  Balance : {$0.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to let the credit bureaus know that I was a victim of identity theft and that I want these bogus items that are the product of suspected identity theft removed from my credit report. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$610.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX