23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I paid a retainer to a law firm on XX/XX/XXXX after having a XXXX call with several representatives of this law firm that said that they could offer legal representation on my family law court case filed in XXXX. After payment of the retainer fee I realized after talking and texting to representatives of this law firm that I was mislead to the services that I would be receiving and purpose of engagement could not be fulfilled and the issue was not addressed that I already had another attorney that they did not contact as they said they would. 
I used four different credit cards to pay this retainer. I filed a dispute with the 4 different credit cards and two of them were with Chase. One credit card I used was an XXXX XXXX XXXX card and the dispute was final with a provisional credit issued to my account. When I filed the dispute claim they said it was good that I paid with a credit card. 
I have been speaking with several representatives from Chase over the course of the last few months.. I was thanked for being such a good customer a few times. I sent in documentation as requested which was really just my pleas to possibly get this law firm exposed as a scam. 
I have heard different things during this process - my fee paid non refundable ; significant time has passed - merchant not required to credit, took place too long ago ; bank not allowed to file claim ; and the merchant made services available for my use. 
I asked for an invoice from the law firm that is supposed to be provided if there is a service rendered and then deducted from the retainer fee but that can not be provided because there were no legal services provided. 
I even contacted XXXX to file an arbitration claim which is in the Chase cardmember agreement but never heard back from them. 
My last discussion with a supervisor in Chase 's dispute department uncovered that Chase has no process in effect to dispute lawyer fees paid. 
I have received recorded calls from Chase to pay my past due balance with includes late fees and interest charges on one account where the dispute is now closed. The other Chase account dispute is also closed but I have not been billed a late fee or interest charges and there has been no contact to pay my past due balance. 
My account has always been paid on time and with full balance paid each month but I now have a balance of just the disputed amounts and fees.
Product: Credit reporting

Previously disputed credit inquiries numerous times with creditor and creditor reporting agency. Each agency continued to refer me to the other. Was previously advised that they would be removed and to date, they have not removed.
Product: Credit reporting or other personal consumer reports

15 USC 1681b ( C ) Furnishing reports in connection with credit or insurance transactions that are not iniated by consumer ( 3 ) information regarding inquiries : Except a provided in section 15 USC 1681b ( A ) ( 5 ) of this little, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not iniated by a consumer. 
Unathorized inquiry. 
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 15USC 1666b, A creditor may not trat a payment on a credit card accounts an open-end consumer credit plan as late for any purpose, unless 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 late than 21 days before the payment due date. 
( XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Never send the periodic statement along with the disclosuresfrom section 1637 ( B ) 15 USC 1666Bb and its requirements set the standards and the guidance as late and they did noy comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX changed my cell phone account from a pay as you go account to a contract account without my permission. When I stopped using the phone as a result of this they sent me to collections with ERC. I settled this debt with ERC 3 years ago, but have been told by my banker that it is still showing up as an unpaid debt on my credit report.
Product: Credit card or prepaid card

I recently started a credit monitoring service and noticed I had late pymt reporting on my XXXX card that should not be there as this is surely an error on their part.There must have been a billing error previously, therefore ask them to correct this immediately as I need my report to be accurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : - ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Debt collection

XX/XX/2022 a debt collection agency Receivables Performance Management sent a letter to me stating alleged own a debt to XXXX for the amount of {$1700.00} On XX/XX/2022 I did paid in total the amount of {$630.00} which was the total that I owed on that moment. 
Account was close on XXXX and I sent ( 3 ) devices/handsets back to XXXX via XXXX on XX/XX/2022. Shipping label was provided and printed by XXXX XXXX
Product: Credit reporting or other personal consumer reports

The late payments showing here don't seem consistent with my regular payment history,
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports have three Negative connotations. They are defined as : serious delinquency.They happened in 2012, when I was a new XXXX, and I didn't know about the country 's credit system. 
The three accounts about because of events in life, I live in the United States at that time, my father is XXXX XXXX XXXX living in XXXX, he suddenly became very ill, I have to leave the United States, to return to XXXX to look after him, I remember I was the second day of the news on the plane left the United States, this led to I didn't arrange the rest of the things. 
Now that I know the existence of these three credit reports, I regret it and start paying them back. 
They've been around for six years, and I've learned that I can't buy a car or apply for a credit card for six years, which makes my life very difficult.I can't live in a city without bus or subway, because I can't buy a car. 
My sincere confession, hope to get your understanding, please don't let the three credit report affect my credit, I just want to buy a car loan, because can't buy a car, my life has become very difficult. 
I believe that the credit report is more for education and correction, not just for punishment. 
I know according to the rules, there may be 1 to 2 years they will eliminate these, but I sincerely hope that you can now in this way, because I got enough lessons, me and my life is going to collapse. 
I am willing to pay all the arrears or fines that I need to repay, just hoping to delete their influence, let me apply for a car loan, and then go to work and life.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Inaccurate Reporting of Paid Accounts Dear CFPB, I am submitting a formal complaint against Experian Information Solutions , Inc., regarding the inaccurate handling and reporting of multiple paid accounts on my Experian credit report.Experians failure to reflect the accurate status of these accounts is a clear violation of the FairCredit Reporting Act ( FCRA ) and consistent with the issues outlined in the CFPBs recent complaint against Experian ( Case No. 8:25-cv-24 ). 
Accounts in Question 1. XXXX Account Number : XXXXXXXX  Original Balance : {$7400.00} Status : Paid in full 2. XXXX  XXXX XXXX Account Number : XXXX Original Balance : {$0.00} Status : Paid in full 3. XXXX Account Number : XXXX Original Balance : {$39.00} Status : Paid in full 4. XXXX XXXX Account Number : XXXX Original Balance : {$14000.00} Status : Paid in full 5. XXXX XXXX XXXX Account Number : XXXX Original Balance : {$24000.00} Status : Paid in full 6. XXXX Account Number : XXXX Original Balance : {$200.00} Status : Paid in full 7. XXXX XXXX Account Number : XXXX Original Balance : {$27000.00} Status : Paid in full Issues Experian has inaccurately reported these accounts despite their fully paid status. This violates : 1. FCRA, 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy.

2. The CFPBs findings that Experian fails to adequately investigate disputes or properly notify consumers of results ( 3349 and 6481 of the CFPB complaint ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was in bad terms and i set up payment arrangements to come up to date on payments. The payments were made on time but account was still closed without any notice. The dates on all three credit bureaus are showing different account dates and reporting inaccurate.i disputed through XXXX XXXX and experian and no change was made.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent. Collections accounts ( XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX )
Product: Credit card or prepaid card

The AutoPay feature for the Bank of America credit card is either flawed or deliberately designed to be confusing and/or deceptive. When setting up AutoPay, there are four options : Amount Due, Minimum Amount Due, Account Balance, or Fixed Amount. 

I wanted to set up an automatic payment of the Statement Balance but there is no option for Statement Balance so I had to select Amount Due. However, on the due date, only the Minimum Amount Due was automatically processed, resulting in an unpaid balance and therefore interest charged. 

XX/XX/19 Statement Balance {$140.00} due XX/XX/19 XX/XX/19 auto payment of {$25.00}, which is the Minimum Amount Due. 
XX/XX/19 Interest charged on purchases based on 19.99 % APR, {$1.00} XX/XX/19 Statement Balance {$83.00} due XX/XX/19 XX/XX/19 auto payment of {$25.00}, which is the Minimum Amount Due XX/XX/19 Interest charged on purchases based on 19.99 %, {$1.00} Realizing that only payment of the Minimum Amount Due was being processed towards the monthly statement and not the Statement Balance, I called to complain and received credits for the interest charges. I was told when I selected the option of paying Amount Due, it really means paying the minimum amount due. When I questioned what the other option for Minimum Amount Due was for, I was told that also results in the minimum amount due. It is not logical to me why two of the four possible payment options result in the same thing. It is confusing to the customer. 

I decided to change the autopay option to Account Balance. For the next statement, once again the Minimum Amount Due was processed. I was told that my change two weeks before the statement due date was too late and I had to wait for the next payment cycle before payment of Account Balance would be in effect. 

XX/XX/19 Statement Balance {$39.00} due XX/XX/19 XX/XX/19 auto payment of {$25.00}, which is the Minimum Amount Due XX/XX/19 Interest charged on purchases based on 19.99 %, {$1.00} XX/XX/19 Statement Balance {$90.00} due XX/XX/19 XX/XX/19 credit of {$1.00} for interest charged XX/XX/19 one time payment of {$88.00} I called to complain and received a credit for the interests charged. After receiving the credits for the interest charged, I made a one-time payment to pay off the account balance, leaving a XXXX  balance on XX/XX/19. 

With my autopay option set to Account Balance, and my account balance at {$0.00}, Bank of America still processed an automatic payment of {$90.00} on the due date, which happened to be the Statement Balance. 

I called to complain that my autopay option was set to Account Balance and not Statement Balance and asked why if over the last 3 weeks my current balance was {$0.00}, why then did a payment process for {$90.00}, which was the Statement Balance. 

XX/XX/19 auto payment of {$90.00}, which is the Statement Balance The AutoPay feature for the Bank of America credit card is either flawed or deliberately designed to be confusing and/or deceptive.
Product: Checking or savings account

opened XXXX XXXXXXXX with Berkshire Bank XXXX XXXX, in XXXX XXXX stated I wanted e statements, They are sending me paper statements through the mail, Well they are being returned to the Bank because The post office wont forward Bank mail .I am in Florida, as a result the statements are being returned to the banks each month, and I am being charged XXXX each month.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$490.00} XXXX XXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$490.00}
Product: Debt collection

I have a personal loan with Wells Fargo and I was out of the country for a funeral and my personal loan fell behind. Wells Fargo discontinued my debit card while I was overseas and took all my funds from both my checking and savings leaving me without no funds without sufficient notice and failed to refund the money when i asked them why they took all funds from my account. I had no money for rent and my direct deposit check was seized as well.
Product: Credit reporting or other personal consumer reports

Experian is violating compliance by not accurately updating XXXX XXXX as stated on their site. Even though the site states " Daily refresh '' the score is not updating accurately when comparing it to other reporting agencies that also report their scores. For instance, when i check my experian report with other agencies there is a broad discrepancy in points, in some cases ranging from XXXX points and this has been from my own observation just over the last few months, but I'm sure it has gone on for much longer. I have had accounts drop off, new accounts opened, balances paid off but my score stays the same on their site. It is false advertisement to market daily refresh if the score is not accurately being refreshed or reported.
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed items, as Experian inaction violates federal law rights as a consumer.
Product: Credit reporting or other personal consumer reports

On my credit report a debit from XXXX XXXX XXXX XXXX is showing up as Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type XXXX XXXX XXXX Individual Date Opened XX/XX/XXXX Balance {$670.00} Balance Updated XX/XX/XXXX I filed bankruptcy back in XXXX, they were listed on my paperwork for payment. They were notified of filing and didn't submit paperwork in my filing. It was removed at XXXX point and now it is back on my credit files.
Product: Debt collection

This agency is reporting an error on my credit file. I had medical coverage and met my deductible. This medical bill was paid by my insurance. I disputed this erroneous account with them on XXXX XXXX, 2015 and never received a response. I attempted to contact them again in XX/XX/XXXX and, again, received no response. After doing some research I discovered that ARS is not bonded to collect in the state of Texas. The account was actually deleted from XXXX but when I viewed my credit report recently and it has been reported on there again. Is that is even legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

All three reporting agencies I have submitted disputes with. They either dont do nothing or the actual dates and info gets changed. Or they wont remove items. When I know they have been altered. And they have removed items and then two weeks later they add them back on and I have disputed that as well. But overall they dont do justice as in fixing or deleting anything
Product: Mortgage

Ocwen is inaccurately reporting my escrow and payment information. I had a Chapter XXXX payment plan for mortgage arrears that was discharged XX/XX/XXXX. ( My loan was originally with American Home Mortgage and was transferred to Ocwen XX/XX/XXXX ). After making all on time payments to Ocwen during the payment plan, and making final cure payment to Ocwen, Ocwen still reflects the escrow shortage balance that should have been paid off XX/XX/XXXX. I contacted the trustee office which confirmed that all arrear payments had been made in full. Ocwen has not responded to my several requests for a detail accounting of my payment history since initially requesting this XX/XX/XXXX. The office of the Ombudsmen has sent me a letter each month telling me they are researching the matter, but has failed to do anything more. I just received a foreclosure prevention packet in the mail this week as well. Ocwen has since increased my mortgage payment by more than {$200.00} additional each month. I am unable to pay the bogus amounts that Ocwen is reflecting as they have added even more unexplained fees and charges to my account after the discharge with no explanation! I have sent a complaint to XXXX and the IL states attorney XXXX XXXX 's office, but have been unsuccessful thus far on getting anywhere with this case. I find it unreal that they were just sued for fraud and their unfair practices, and yet here they are again doing the very same thing. I would really appreciate your help in this matter.
Product: Debt collection

Comenity bank is calling XXXX or more times a day, every day, from early to late. The caller has been HARASSING me for weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid to a XXXX balance. 


XXXX XXXX Last reported : XX/XX/XXXX {$12000.00} Good Overview You've paid off 35 % of the original amount. 
Balance {$12000.00} Highest Balance {$20000.00} Monthly payment {$380.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Term 72 months
Product: Credit card

Macys XXXX has placed me on electronic billing statements without my permission several times. I have gone to their website to request paper statements to just be switched back to electronic statements a few months later without my request. Being that Macys spams my email account several times a day with unwanted marketing material, I opt out of their emails which removes Macys.com from my email box and therefore electronic statements never make it to me. This has happened twice in 18 months which resulted in 2, XXXX lates reporting to my credit reports over the last 18 months. Macys customer site for their consumer charge card is confusing and uses multiple pop ups trying to trick the consumer into electronic statements without the consumer understanding.
Product: Debt collection

Account XXXX was placed with a law firm. I settled this matter XXXX weeks ago for XXXX and SunTrust still showing balance is owed. Balance needs to show settled!