23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX while in XXXX, my wife purchased a sweater from XXXX XXXX XXXX in XXXX. When we arrived home my wife went to wear it for the first time and I noticed a hole in the shoulder of the sweater. 

On XXXX/XXXX/XXXX I chatted, called and emailed XXXX XXXX XXXX and let them know the issue with the sweater. The chat system let me know that I could only email at the time. 

On XX/XX/XXXX I emailed again, as I got a notification that I needed to submit to a different email address than provided by the chat service. 

On XX/XX/XXXX I emailed again asking for any status updates. 

On XX/XX/XXXX I emailed again after I received an alert that I needed to email back if still needed help. 

On XX/XX/XXXX I called XXXX and spoke with XXXX. She asked for a picture of the sweater and the receipt. I submitted them through email after she sent her response. 

On XX/XX/XXXX I emailed back to confirm that she had received the pictures. 

On XX/XX/XXXX I called XXXX to speak with them about the issue. The agent asked if I was wanting a refund or replacement. 

Having resolved that no one from XXXX was helping or responding. I submitted my claim on XX/XX/XXXX in the total of {$120.00}. 

XXXX emailed me on XX/XX/XXXX to ask if I had gotten any communication on the sweater issue. I explained that I still hadnt been communicated with and had started a chargeback on the purchase. The XXXX store went silent again. 

On XX/XX/XXXX I called Elan Financial Services and spoke with an agent about the claim. She stated the vendor, XXXX, had not communicated with them. They had then escalated to XXXX. XXXX had not communicated with XXXX and that since the vendor was not communicating, that XXXX was stating that they would side with me. 

On XX/XX/XXXX, I opened my XXXX account to find that I had charged for my dispute. The reason for the denial was that I was present at the time of the sale which invalidates any claims on items. 

I promptly called and re-opened the case. I do not agree that being present at the time of sale invalidates the dispute. I have purchased many items that you can not 100 % verify perfect quality at the time of purchase. This is unreasonable and untenable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible : ACCOUNTS : XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX.
Product: Mortgage

We have been experiencing an extreme lack of communication and support from our Mortgage Bank, Axos Bank, since the begining of XXXX, XX/XX/XXXX. Axos Bank, has made it so difficult providing by phone assistance, to provide solutions, resources, information, about helping clients in need due to the pandemic. We live in XXXX XXXX and we lost our job for 22 years in the XX/XX/XXXX. Which has made us first handed impacted by the pandemic. Always looking for solutions in these unpresented times ; Loosing our income has made us vulnerable to banks in how they can help us keeping our home. Axos only has provided one e-mail to contact the XXXX XXXX, which it's their pandemic help department. Some times, like now, they don't even reply. 
Which lead us to contact HUD this Monday XXXX XXXX XXXX, looking for help to assist us contacting the bank. HUD redirected us to XXXX XXXX to help us talking to the bank for a loan modification or extending our forbearance and most important to communicate with Axos since our forbearance will expire at the end of this month. 
Even with the lady from XXXX XXXX, doing a three way call, we were 1 hour plus waiting to talk to someone from the porfolio managment department. And NO answer. Someone picked up from the main menu and took a message saying they will contact me in 24 to 48 hours and " NOTHING. '' This has been the norm with them for the past 17 months. Only once we have been able to talk to that department since the begining of the pandemic. ~NOW, we wrote three e-mails since XX/XX/XXXX, not counting the many many e-mail we have sent this past year, and no reply yet. It has been really challenging to deal with this bank, we had another property and the bank in charge was XXXX XXXX and they were impecable with its resources and availability to help its clients which makes it so hard to believe what Axos bank is doing now to its customers ; neglecting us from help and communicating in these difficult times of adjustment and some how very scary. We are really sad this kind of behavior it's present in this Country. Shame on you AXOS BANK.
Product: Credit card or prepaid card

On XXXX I authorized a charge for {$1100.00} to XXXX XXXX XXXX. When I received my statement i did not recognize the charge. I am a Senior Citizen and forgot the authorization. I notified Citicard Fraud and they cancelled the card and issued a new card. they informed me in the next statement in XX/XX/2019 that the charge was removed from my card because the matter was under investigation.later i remembered that i did in fact make the purchase for my daughter who lives in NY where the charge took place.I notified citibank that i indeed authorized the charge and there was no fraud and it was my mistake and the merchant had been paid by cash. The merchant XXXX XXXX XXXX demanded payment since the charge was denied by Citicard. I sent a check in XXXX for the {$1100.00} fee to my daughter to pay him. He has never received a payment from Citicard for anything to this date. He was paid in cash for the pool work. 
On XX/XX/2019 i received a letter from Citibank that i no longer disputed the charge and they put the charge fo {$1100.00} back on my account on XXXX XXXX merchant never got any money from Citicard and i have called and spoke to Citibank at Least 18 times about the issue. I cant understand the persons i am talking to an dthey are extrmly polite but cant change anything for me or take the {$1100.00} off my account. I want the {$1100.00} removed from the account.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX received an email from Minto Money account number XXXX stating that I owed money for a loan and the payment was returned for insufficient funds. I called the company Minto Money and spoke to XXXX who verified that there was a loan taken out for {$1200.00} dollars in my name on XX/XX/2022. I informed XXXX that I did not apply for a loan or agree to receive any funds. He stated the loan was funded to an account number from XXXX XXXX  XXXX and that my personal information was used to obtain a loan in my name with a seven-year-old address. 
He placed me on hold to verify the ownership of the bank account with XXXX XXXX and upon investigating with the customer service representative from the bank, the account was indeed not mine and belonged to an individual named XXXX XXXX. 
This individual received funds from a loan fraudulently obtained in my name with my information to their personal XXXX XXXX  account. I have made a fraudulent complaint with XXXX  regarding this matter indicating the individual who owns the bank account XXXX received funds from a loan opened fraudulently in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed via USPS tracking a letter addressing my concern on a XXXX XXXX  account # XXXX of what was reporting on my credit file. It was received by Equifax on XX/XX/2021 I failed to get any response I once again mailed out a letter letting Equifax know that it was reporting questionable data and yet they ignored my initial letter and my second letter as well. At this point after never responding and doing a proper investigation the derogatory listing needs to be removed.
Product: Debt collection

Date : XX/XX/XXXX Subject : FCRA Inaccuracies Discrepancies in Credit Limit, High Credit Limit, and Reported Dates Across XXXX, XXXX, and TransUnion I am writing to file a formal complaint regarding multiple inaccuracies on my credit report across the three major credit bureaus : XXXX, XXXX, and TransUnion. I believe that the discrepancies outlined below violate the Fair Credit Reporting Act ( FCRA ) and require immediate investigation and correction. Personal Information : Full Name : XXXX XXXX Account Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number ( Last XXXX Digits ) XXXX Inaccuracies in Reporting : Credit Limit Discrepancies : XXXX : XXXX credit limit reported is {$3700.00}. XXXX : The credit limit is reported as {$0.00}. TransUnion : The credit limit is reported as {$5000.00}. These values can not all be correct. The differing amounts between the three credit bureaus suggest a violation of the FCRA, as the information reported must be accurate and consistent across all bureaus. Incorrect Last Reported Date : XXXX : The last reported date is listed as XX/XX/XXXX. XXXX : The last reported date is listed as XX/XX/XXXX. TransUnion : The date is correctly reflected, but I am disputing the discrepancies with XXXX and XXXX, as these can not both be correct. These discrepancies regarding the reporting date further violate the FCRA, as the date of last reporting must also be consistent across all credit bureaus. High Credit Limit Discrepancies : XXXX : The high credit limit is reported as {$3700.00}. XXXX : The high credit limit is reported as {$0.00}. TransUnion : The high credit limit is reported as {$5000.00}. This inconsistency in high credit limits further complicates the accuracy of my credit report and suggests a violation of the FCRA 's requirements for accurate information. All three credit bureaus can not have different high credit limits, as this undermines the accuracy of the information being reported. As per 15 U.S. Code 1681i, under the Fair Credit Reporting Act, when a consumer disputes the accuracy of information on their credit report, the credit reporting agency is required to conduct a reasonable investigation and correct any inaccuracies. Specifically, 15 U.S. Code 1681i ( a ) mandates that : The consumer reporting agency must review the dispute, investigate the relevant information, delete any inaccuracies or errors promptly, typically within 30 days of receiving the dispute. If the information is found to be inaccurate or incomplete, it must be deleted, as appropriate. The consumer must also be notified of the outcome of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute this account because it has been over 8 years that this account has been opened and I wanted it to be removed from my credit report. As the result, this account came back on my credit report re-aged. 

I spoke to XXXX  and they told me my account can not be removed because with a {$0.00} balance I need to wait 10 years. And it is showing a new date as XX/XX/XXXX and this account will be removed from my credit report in XX/XX/XXXX. They re-aged my account and told me there's nothing they can do about that. 

They also told me to try and contact the creditor company and ask them to send an authorization to remove the account. 

I called the creditor company and they told me it is impossible that my account re-opened unless I applied for a new credit line which I did not. I tried to explain the situation to her which she did not want to listen, and she told me they can not remove anything. 

I know my rights and I know that they can not leave bad debts more than 7 years on my credit report and re-aging accounts are illegal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts : Commonwealth Financial Account # XXXX, has violated my rights. 
15USC 1681-602A states I have the right to privacy.

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

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be.

deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.
Product: Credit card

On XXXX XX/XX/2023, I financed a purchase of ( XXXX ) items with XXXX for the following prices : XXXX - 11-inch Ipad Pro Wi-Fi + Cellular 256GB- Space Gray XXXX - Magic Keyboard XXXX - Apple Pencil XXXX - Apple Gift Card XXXX - AppleCare for XXXX XXXX I selected same day delivery via courier services, which stated I would receive my order by XXXX that same day. I received a notification that the order was picked up and was en-route to being delivered. The order did not arrive by the stated time, so I checked the tracking information which showed the gps location of the courier still near the XXXX XXXX, and stayed there for a few hours, to which the order was then marked as undeliverable due to " the address being not being found '', despite the courier never making an attempt. 
I contacted XXXX XXXX via their support chat regarding this issue on XXXX XX/XX/2023. The support person verified that the order was marked as undeliverable. I asked how I would be able to pick up my order, which they stated I was required to make a new order, since the previous one would be canceled as it was undeliverable. I then created a new order and purchased it via debit card instead of financing. I picked up that order the next day. 
I contacted XXXX XXXX on XXXX XX/XX/2023 to inquire about why the canceled financed portion was still showing on the account and then opened a dispute for all ( 5 ) items mentioned above. I spoke with an XXXX support agent and a XXXX XXXX representative on a three way call to facilitate this dispute. All five charges were temporarily reversed and a temporary credit applied to my account. 
On XXXX XX/XX/2023, I checked the status of the order again to retrieve the tracking information. The order was removed from my account history, I had to retrieve the order number from my email records. Using the order number, I saw the tracking information had been deliberately changed to show that the order was delivered. I contacted XXXX XXXX via chat from XXXX to XXXX to request clarification on why this happened. I provided the order number for the original order that was cancelled, and the second one which I picked up. I had extreme difficulty communicating with the support agent despite clearly stating that I wanted the tracking number for the original order, clarification on why the cancelled order now showed as delivered, and the current website for XXXX  tracking. 
The XXXX website displays a static page stating that Oops something went wrong which has not changed for weeks. I asked the XXXX support agent for the direct website to the tracking website which they did not provide despite multiple requests. They did not provide proof of delivery. 
On XXXX XX/XX/2023, all five temporary credits were removed and I was charged again for all ( 5 ) items. 

I have the order numbers for each order and will provide them upon request.
Product: Debt collection

On XX/XX/2020 I was contacted by my father saying that someone had called him and my aunt looking for me. I have not had contact with either of them in a few years and was shocked as to how that happened when I myself do not have any contact numbers for either of them. I got the number and called. I also looked the number up but no information was found on it. XXXX. The lady informed me that she was representing a company called XXXX on behalf of the Cash Store and that they had no website or any public information. She said they were hired by the cash store to collect XXXX from me and that if I couldn't pay today using a debit card that they would come to my job and serve me. She said they will find my place of employment by using my social the same way they used it to find these numbers to contact relatives I myself do not have communication with. I asked her why any personal business matters or information was shared with a third party and she said " do you have the money today or not if not we are on our way to serve you at work. '' I told her I did not and she hung up in my face. How am I supposed to give out personal information to some random person who doesn't even have a way to verify they run a legit business? Furthermore, you are practicing illegal actions by providing ANY information to anyone aside myself. She even went as far as telling me my full social after asking me to verify the last 4 digits. Ma'am you are supposed to ask me to verify not tell me the entire number.
Product: Vehicle loan or lease

Hello, My name is XXXX XXXX, and I am writing on behalf of the horrible experience I had with Carvana. I purchased a car on XX/XX/2021. An hour after the car was left, it started to make a very loud screeching sound. I called early the next day to start the exchange process. Every representative I spoke to informed me of something different. They are all " working from home '' so I was never routed to the correct person and was stuck repeating myself over and over for hours. I was informed by each representative that an exchange would be an easy fix but it was anything but easy. Most of the reps I spoke to informed me that the previous rep. kept poor notes ( if any at all ). Each rep told me something different and I was informed that I could not just work with one person. I was waiting hours on the phone, and this is no exaggeration, unfortunately. 

The system registered the swap as a new sale and they wanted to run my credit all over again ( creating another inquiry ). I told them ( them being about 5 different people ) this was an even swap. Finally, after about 2 hours they said they fixed the issue on their end. The following day, I was told that the delivery date for the new car was unclear because the car " got lost '' during transport. By then, my other contract was cancelled so both deals fell through. After days of this back and forth, I then informed the representative that I didnt want to get a car with carvana at all. I was then told that my income verification was questionable although the representative that completed it called my bank from their line ( not my line ) and verified each deposit down to the penny. At this point, this seemed like a way to drag out the return of this vehicle. If there was a question about my income, why was the car not picked up and the whole sale voided then? 
So now months later, this car has never been picked up. My credit was run again last month to make it look like this sale was recent. The car is now being reported to my credit after months of it falling in the cracks. I believe this error on Carvanas part is now being shuffled to make it look like I am not paying for this car ( that I clearly said I did not want ). The idea that there was fraud with the income verification just allowed Carvana to stop taking my calls. I was vehemently calling to ask them to get the car. 

I kept asking for a DIRECT EMAIL OR NUMBER TO A REAL PERSON, but was deflected each time asking me to send a letter. I sent two letters, and still have not heard back. I am asking for someone to look into this to see the obvious failure on Carvanas part to make this right. I am asking for this car to be taken out of my name and for my credit to be restored, upon an investigation. The car is still waiting to be picked up and has not been driven. I am also reaching out to consumer and federal agencies to rectify this as well as this is now costing me time and money. 


Best, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and erroneous accounts appearing on my credit report as maintained by your agency. Since I have been affected by the XXXX and XXXX XXXX Breach I have attached my XXXX Credit Report that clearly has removed the accounts in question due to the data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Equifax Credit Reporting Agency that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any INQUIRY which was UNAUTHORIZED within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the EQUIFAX Credit Bureau does not comply with the requests, it leaves me no choice but to pursue legal action. I need the LISTED INQUIRY deleted as soon as possible : XXXX XX/XX/2022 ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX fake XXXX from XXXX on an visa and the entire family using fake identifiers including the daughter name is immaculate and the wife is XXXX. Stole my property my loan with XXXX XXXX XXXX XXXX loan no. XXXX and using a fake XXXX XXXX loan from broker XXXX XXXX as XXXX that they purchased from XXXX XXXX at a bank foreclosure sale XX/XX/XXXX for XXXX a lie. Without clear title he got around XXXX loans all hit my credit file then cash XXXX trust account checks in my name 1. XX/XX/XXXX XXXX. XXXX escrow check mailed out by supervisor XXXX on XX/XX/XXXX and he cashed them into a boa account known as XXXX XXXX XXXX. Confirmed by XXXX XXXX XX/XX/XXXX that he stolen my identity and he provided me with property claim no. XXXX for XXXX. XXXX XXXX credit card XXXX XXXX confirmed that he got 4 credit cards in my name ending XXXX, XXXX, XXXX, XXXX and now capital one ending XXXX and rolling on. Faking that he is a doctor under license XXXX with fake Tin # XXXX and using my information and fake XXXX on your records must remove my identifiers from your records.