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

On XX/XX/2018 I purchased a brand new XXXX from XXXX using my Bank of America credit card for a total of {$590.00}. The item number on XXXX is XXXX. The XXXX transaction ID is XXXX. On the listing the seller stated to have had the phone fully paid off as well as having a clean IMEI number. The phone was received brand new and functioned properly for 2 months. The phone stopped functioning in XX/XX/2018 because XXXX blocked the phone from having cell phone service. I contacted XXXX and they told me that the phone had been blocked due to the phone not being paid off. I reached out to XXXX/XXXX  immediately and submitted a dispute. I received a response a few days later after they completed their review and they said the case was not decided in my favor. They stated that the " seller had sufficiently described the merchandise ''. I submitted proof from XXXX to them that the phone is not functioning because it is not paid off. I then submitted a complaint to Bank of America credit card to dispute the transaction. After this I submitted substantial proof to show that the transaction was fraudulent. Bank of America responded and said that my money would not be reimbursed. 
Clearly, their decision is erroneous and this transaction was fraudulent. The phone is completely non functional and it's not for any reason of my own. I submitted disputes as timely as I possibly could considering the fact that the phone being non functional was completely outside of my control. There's no way that I could have known that the phone was not going to work at any point in time because it's failure to operate is the result of the seller 's misleading information and fraud about the phone 's being fully paid off. I am requesting a reimbursement of my purchase in the amount of {$590.00}.
Product: Credit reporting or other personal consumer reports

Urgent Request for Correction of Past Due Payment Reporting and correct the payment notification portal I am writing to bring to your attention a critical issue regarding the reporting of past due payments on the XXXX XXXX credit card online portal. As a new customer with an impeccable credit history, I was surprised to discover that the portal failed to accurately reflect a past due payment for XXXX. Instead, the system rolled the overdue amount into the current balance without notifying me of the outstanding payment. 

This XXXX system reporting error has resulted in my account being marked as 30 days past due, negatively impacting my credit report. I would appreciate your assistance rectify this error immediately by removing the 30-day past due payment that was inaccurately reported to the credit bureau .
Product: Payday loan, title loan, or personal loan

I had a loan out with this company which was named something different when I did. I tried working with them on payments. I am XXXX and on a limited income and offered to make payments that would allow me to still be able to afford food, water, and shelter the bare essentials and they refused to work with me. I ended up not being able to make the payments and this provider sent my account to a collections agency called XXXX XXXX XXXX XXXX, XXXX who is now dealing with the account. They are doing the exact same thing. Forcing me to make payments monthly on an amount that I can not afford. I have mentioned I am XXXX and they refused to work with me. They offered me a monthly payment of {$120.00} a month and I can only afford {$50.00} as I stated with the previous provider and this debt collector. I borrowed {$3500.00} and now both providers are trying to force me to pay over {$7000.00} in legal fees, finance fees etc which should be completely illegal. Providers like this one and debt collectors are the reason XXXX  is struggling and the people in it. Please help me in this matter negotiate something more reasonable for me to pay monthly especially since I am XXXX and already struggling.
Product: Credit reporting or other personal consumer reports

See XXXX. XXXX stated to the CFPB that they would send my credit profile, but not surprisingly, have failed to provide the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX  HAS AN ACCOUNT ON MY CREDIT THAT IS NOT MINE. IVE DISPUTED THIS ACCOUNT SEVERAL TIME AND THEY HAVE REFUSED TO DELETE/REMOVE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permissioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX XXXX Balance : {$620.00} ; XXXXT XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXXXX/XX/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 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 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 XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have been disputing the issue on Experian for months now. My auto loan with navigant auto is being reported as late for the month of XX/XX/XXXX and ND ( no data ) for the months of XX/XX/XXXX through XX/XX/XXXX instead of paid on time. The issue continues despite my disputes and attempts to resolve with the financial institution directly.
Product: Debt collection

Jefferson Capital Systems ( {$730.00}, {$440.00} ) XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX ( {$700.00}, {$680.00}, {$650.00}, {$420.00} ) XXXX, XXXX. XXXX, XXXX XXXX XXXX ( {$300.00}, {$1100.00} ) XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( {$1900.00} ) XXXX. 

Was never notified my " debt '' was being sold off to an 3rd party. Also being called from 3rd party everyday. This is harassment at this point. I also had no contact from the original creditor about this. Also these companies are banned being used or reported from the FTC.
Product: Credit reporting or other personal consumer reports

The account for XXXX XXXX was discharged in bankruptcy XX/XX/2022 but XXXX has readded to my account as a charge off, added incorrect payment history, and added a balance I owe on my. Report dropping. Score XXXX points for debt I don't owe. I have a letter direct from. XXXX showing I do not owe any of this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries and collections incorrectly reported on credit report. I have requested the incorrect information be deleted. 
XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE XXXXL XX/XX/XXXX XXXX - CARD SERVICE XX/XX/XXXX XXXX - CARD SERVICE XX/XX/XXXX XXXX - CARD SERVICE XX/XX/XXXX XXXX - CARD SERVICE Apr XXXX, XXXX XXXX  - CARD SERVICE XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

When my mother passed away XX/XX/2019, I was notified that I became successor trustee of her Wells Fargo Living Trust Checking account. Wells Fargo would not allow me to access the account, until I had the death certificate. Once I finally received the death certificate I faxed it to Wells Fargo, and it took several days for the bank to process and allow me to gain access to the account. 

I wasn't able to view the statements until XX/XX/XXXX. That's when I discovered that several checks had been forged, totaling about $ 5,000.The latest check was cashed XX/XX/XXXX, for {$3000.00}, more than two weeks after my mother 's death. ( Even though I knew of my mother 's death, Wells Fargo refused to close the account until I had the death certificate. ) I notified the Wells Fargo Fraud Department immediately once the banks allowed me access and I read the statements and saw the checks. It took the bank two weeks to return my inquiry and finally a XXXX XXXX, check fraud specialist returned my inquiry. After about another two weeks of hearing nothing, I called him back at the check fraud department. My claim number is # XXXX. XXXX XXXX said that since some of the forged checks had dated back to XXXX 2019, that stopped Wells Fargo from any obligation to try and get restitution. 

Wells Fargo admitted that the checks were clearly forged. I think the bank had an obligation to not honor signature on the checks that were not my mother 's signature. Why even sign checks unless the signature is a valuable identification tool? Wells Fargo has a responsibility to verify the authenticity of such forged signatures that are easily identified as fake. Now that my mother is deceased. This is theft from her estate. 

Wells Fargo is supposedly conducting a criminal investigation. On XXXX XXXX, a XXXX XXXX, financial crimes consultant at Wells Fargo e-mailed me about her concern about the forgeries. She said she had nothing to do with Wells Fargo 's position on refusing to make any restitution for the forged checks. XXXX XXXX 's number is XXXX. Her address is XXXX. 

This is another example of how Wells Fargo is addicted to its red tape rather than truly helping its customers.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

XXXX XXXX : XXXX XXXX XXXX - Account # : XXXX - XXXX : {$310.00}
Product: Credit reporting

Military Star has reported with negative remarks of 7 missed payments and current deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30/60/90 days reported on last reported date XXXX 2014. This account is reporting as open. THIS ACCOUNT IS CLOSED AND WAS FILED UNDER BANKRUPTCY which was discharged in XXXX 2014. I attempted to contact Military Star in regards to this matter with no resolution.. Please remove this negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have demanded a cease and desist to these debt collectors and I also demanded this consumer reporting agency to cease reporting pursuant to federal law 15 usc 1692c ( c ) they are also in violation if they continue reporting negative, inaccurate accounts to my report. This reporting agency does not have permissible purpose to report this information pursuant to 15 usc 1681b.
Product: Debt collection

I went to this urgent care due to  XXXX , I have insurance that pays for visits. I was seen by a Nurse because the doctor was seeing a patient who apparently was in a worst case scenario. Due to the diagnostic given by the nurse without taking x ray or any other precaution he determined that due to the fact that I was there before with   XXXX   he was going to diagnose me with  XXXX . I left the urgent care and called my insurance and informed them that I was not seen by a doctor but by a Nurse.     When I was billed I called the company and they agreed that the charges were going to be removed because I was not seen by a doctor, plus I had medical insurance that paid for my visit. I should not pay for a doctor that I never saw, plus the insurance will pay for any charges I have PPO. Now I see these charges in my credit report after  ( 5 )  years.
Product: Credit reporting or other personal consumer reports

Respondent : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX This complaint is filed against Experian Information Solutions , Inc. ( " Experian '' ) for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). Specifically, Experian has failed to conduct reasonable reinvestigations, allowed the continued reporting of inaccurate and unverifiable information, and mismanaged dispute resolution processes, causing significant financial and reputational harm.

Violations and Issues : 1. Failure to Reasonably Reinvestigate Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Experian has not conducted a reasonable reinvestigation of the disputed accounts, instead relying solely on automated responses from data furnishers without substantive review.

Disputed accounts were not properly updated or removed, even when supporting documentation was provided.

2. Failure to Remove Inaccurate, Incomplete, or Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) The following accounts remain on my report despite clear errors and disputes : XXXX XXXX XXXX : Account # XXXX - Charged off with a balance of {$4900.00}, despite certified funds being issued and accepted as payment. 

XXXX XXXX XXXX : Account # XXXX - Reports 4 late payments, even though payments were timely made. 

XXXX XXXX XXXX : Account # XXXX - Reports a charge-off of {$800.00}, which is inaccurate and does not reflect the correct status of the account. 

XXXX XXXX XXXX XXXX ( Two Accounts ) : Accounts # XXXX & XXXX  - Reports late payments despite disputes. 

State of MI XXXX XXXX XXXX XXXX : Account # XXXX - Incorrect reporting of past due amounts despite compliance with legal obligations. 




3. Failure to Forward Dispute Information to Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ) Experian failed to forward my disputes and relevant supporting documentation to the furnishers, leading to inaccurate reinvestigation results.

4. Failure to Remove or Properly Address Hard Inquiries Unverified hard inquiries remain on my report, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) Experian routinely ignores disputes regarding unauthorized hard inquiries, failing to provide a reasonable basis for their inclusion.

5. Failure to Provide Accurate Dispute Resolution Notices ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) Experians dispute resolution notices fail to clearly indicate what, if anything, has changed in the report. The notices are ambiguous, contradictory, and fail to comply with FCRA requirements for informing consumers of the results of investigations.

6. Reinsertion of Previously Deleted Information Without Proper Notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Experian allows new furnishers to report previously deleted tradelines, failing to notify me or confirm the accuracy of reinserted information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under on open end consumer credit plan as late for purpose.

335
Product: Credit reporting or other personal consumer reports

To whom it may concern, upon reviewing my Credit Report I noticed several inaccuracies .Many unauthorized Inquiries. 
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 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 

. The status is incorrect for the following account XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please ensure that all information is accurate. The status is incorrect for the following account XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate Identity ThefXXXX XXXX XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

. XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXXXXXX XXXX XXXXccount XXXX : XXXX This is not mine. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

My account was closed!! Overdraft fees! Denial of opening another account without explanation!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to bring your attention to an issue with the accuracy of my consumer report, which violates the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. 

I have noticed that the account reported by XXXX XXXX is erroneously marked as a " Charge Off. '' Please be advised that under the FCRA, a " Charge Off '' can only occur once. The repeated or inconsistent reporting of this status is inaccurate and misleading. 

I request that you : Conduct an immediate investigation into this matter. 
Verify the accuracy of the " Charge Off '' information with XXXX XXXX. 
Correct or delete the inaccurate information from all of my consumer reports if XXXX XXXX can not substantiate the accuracy of their reporting. 
I expect this issue to be resolved promptly, and I request written confirmation of the investigation and any corrections made to my report. Please note that under the FCRA, I am entitled to a response to my dispute within 30 days. 

Thank you for your prompt attention to this matter. If you need further details or documentation from me to assist with your investigation, please do not hesitate to contact me. 

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

PLEASE HAVE EQUIFAX RE-INSE RT TWO CRED IT ACCOUNTS RE-INSERTED BACK ONTO MY CREDIT REPORTS, AS PER CREDIT FURNISHERS REQUEST.     RE-INSERT :     XXXX   XXXX    AUTO LOA N NO . XXXX -DEL ETED FROM CONFIRMATION NO.   XXXX    DATE D   XXXX ,  2014 IN  ERROR AND   XXXX   XXXX   XXXX    XXXX  DELETED FROM CONFIRMATION NO.  XXXX   DATED   XX/XX/2014 .      THANK YOU
Product: Credit reporting or other personal consumer reports

This is my first 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

XXXX XXXX XXXX and IMPAC/XXXX XXXX are charging my husband and I 5 % interest for our monthly mortgage. I understand that this rate is too high. I spoke with another mortgage company that I plan to refinance with and they stated that I should file a complaint against these XXXX companies since they are charging such an enormous interest rate. 

In addition, I was advised that this interest rate is even discriminatory because my husband and I are XXXX XXXX and are making a fairly decent income.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, I been a victim of the XXXX breach and since my identity been compromised I've also been a victim of the dark web. Please remove the following items from my credit file. 

1 ) XXXX XXXX  2 ) XXXX/ XXXX XXXX  3 ) XXXX XXXX 4 ) XXXX XXXX XXXX   {$3600.00} 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX  {$5300.00}, {$120.00}, {$1300.00}, {$2700.00}, {$10000.00}, {$94.00}, {$5000.00}