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

I purchased a unit from XXXX XXXX XXXX for {$1300.00} over the phone on XX/XX/2020. I told them it had to be delivered by Wednesday XX/XX/2020. I paid for this through PayPal Using Synchrony. When the invoice came I noticed that it was being sent to my billing address not the delivery address I gave them. I called them immediately and told them of this mistake. They said they would take care of it. The package had " Signature Required '' for delivery. When the package still went to the wrong address I called to tell them it would not make it in time. They told me that was OK as it had a " signature required '' and would not be delivered and would be sent back to them. They would then refund my purchase. On Friday the XXXX XXXX XXXX XXXX  removed the " Signature Required '' from the shipment and the Package was delivered to an empty lot, or that is what the XXXX driver said. I do not have my package and the package was not delivered with " Signature Required ''. The documents clearly show it was to be delivered with " Signature Required ''. XXXX does not see this they only see the package was delivered even after explaining it to them many times. There is no way to talk directly with the person who makes this decision. You only talk to a representative " phone person ''. I can not get an answer from XXXX as to why they think the package was delivered. There is no proof the package was delivered as there is no signature to prove it was delivered, only a driver that says he dropped it off. He may have delivered it some place but it was not to me! He may also have just thrown it in a ditch. Without a signature it was not delivered. I can not go after XXXX XXXX XXXX because now there is interest on top of the purchase price.
Product: Credit reporting

I received notice that an inquiry from XXXX was on my credit report. I did not authorize XXXX to run my credit for anything. I filed a dispute with Equifax indicating the inquiry was fraud and requested for the inquiry to be deleted. The inquiry dropped my score XXXX points. In less than 24 hours I received an email from Equifax indicating the dispute was complete and inquiries are factual. I called Equifax and explained to them if they could not prove the inquiry it must be deleted. They informed me to contact XXXX. I contacted XXXX who told me to contact Equifax. This inquiry needs to be removed ASAP. I did not do any business with XXXX that would result in an inquiry.
Product: Vehicle loan or lease

In XXXX of 2023 I had to sign a 25 % APR on an auto loan through flagship credit acceptance. I did this knowing I could refinance after 6 months and my credit score going up. Well, they haven't been reporting my on time payments. Therefore my credit has not increased.
Product: Checking or savings account

I am a victim of a job scam and was sent XXXX checks over the course of 4 days. I deposited the first check on XX/XX/XXXX, the second on XX/XX/XXXX and the last on XX/XX/XXXX. I in good faith endorsed the checks and followed my employers instructions all while under the impression that the checks were good. The first check was returned XX/XX/XXXX and from there I filed a complaint with my bank about the fraudulent check that day. On XX/XX/XXXX they denied the first claim and all claims after that on XX/XX/XXXX. When I called and tried to speak with someone in the Fraud and Claims department they belittled, ridiculed, and insulted me for falling for this type of scheme. I even got in contact with a local branch manger who again belittled, ridiculed, and insulted me for falling for this type of scheme. I was informed by the supervisor of the Fraud and Claims Department that they would not be helping us to recuperate the {$6000.00} in bad checks and that I had 60 days to bring the account into good standing or I would be sent to a collector. I filed a claim with the Kentucky Attorney Generals office, FTC & FBI who are all investigating and that didnt seem to matter at all with my bank ; who wanted to just victimize me more over a crime that is so predominate anymore
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments.I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

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

Since XX/XX/2022, the account has been disputed with Chase Bank multiple times. Chase refuses to delete the inaccurate trade-line from all three credit bureaus. The vehicle was sold at an auction for less than what it was worth. The company is trying to collect on a balance that was already paid when the car was sold at the auction.
Product: Credit card or prepaid card

I did a debt consolidation for two of my credit cards because at the time it was hard for me to pay all of my cards. It was a Capital one platinum card and XXXX XXXX card. I was makng my payments on time but i recently found out that they kept saying they were late when they were always paid on time. can you help me fix this problem?
Product: Credit card or prepaid card

I AM SO SICK OF THIS COMPANY THEY KEEP CLOSING MY ACCOUNT WHEN ALL OF MY MONEY GOES TO THE ACCOUNT AND THEN IM STUCK WITH NO MONEY, NO WAY TO EAT, NO WAY TO FEED MY KIDS, NO WAY TO PUT GAS IN MY CAR OR ANYTHING AND THEY THINK THAT'S OK. THEY NEED TO BE SHUT DOWN IMMEDIATELY THEY HAVE DONE THIS TO ME ABOUT 6 TIMES AND NEVER TRY TO FIX THEIR ISSUE. THEN YOU SELECT THE ENGLISH OPTION AND NEVER GET ANYONE THAT SPEAKS ENGLISH, JUST SOMEONE REPEATING THE SAME THING OVER AND OVER AGAIN ABOUT HOW THEY'RE SORRY AND CAN'T FIX IT WHEN THEY CAN FIX IT BECAUSE THEY HAVE DONE IT BEFORE. THEY DON'T EVEN ASK YOU IF YOU WANT YOUR ACCOUNT CLOSED, THEY JUST CLOSE IT WITHOUT YOUR PERMISSION AND THINK SOMEONE WITH NO FUNDS ON HAND IS SUPPOSED TO WAIT 7-10 DAYS FOR THEM TO SEND ANOTHER CARD I DON'T XXXX THINK SO.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been a long time card holder of XXXX XXXX ( XXXX XXXX ending XXXX ). On my credit report there is a 30 Day Late Payment for XXXX XXXX. Back in XX/XX/XXXX there was a bank error and a payment that I thought I had made did not go through. I had placed overdraft protection onto my checking account. And I actually made a payment on XX/XX/XXXX and the payment should had gone through. We no longer bank with XXXX XXXX. But I was able to get a copy of our statement from XX/XX/XXXX. 

My wife and I actually reached out back to XXXX XXXX in XXXX for this same issues and you guys fixed it, kind of. Back in XXXX I wrote in to you guys and I had asked for a goodwill adjustment. You guys did agreed to the goodwill adjustment given my outstanding track record and account history. Shortly afterwards the holiday season came and then XXXX shut the whole world down. So this account has been out of slight out of mind. 

The reason Im writing you today is after reviewing my report recently, I noticed that only XXXX updated. Both Equifax and XXXX still show a 30 day late payment for XX/XX/XXXX on my credit reports. My credit card account with XXXX XXXX has been in great standings since I opened it, other then this one 30 day late. A late payment that is now nearly 5 years old. My account is set up for automatic bill pay. And I enjoy having and using the card. I am asking to have Equifax and XXXX updated to remove the 30 day late.
Product: Credit card

There are several accounts reporting on my credit report that I did not authorize and it is affecting life in a very negative way.
Product: Debt collection

I DID NOT APPLY FOR A SECURED LOAN WITH MY FATHERS CAR WITH ONE MAIN FINANCIAL. 

MY CALIFORNIA DURABLE POWER OF ATTORNEY GOES INTO EFFECT THE DAY IT IS SIGNED NOT WHEN I AM INCAPACITATED PER THE LANGUAGE AND ITS ADDITIONAL INSTRUCTIONS. 

ONE MAIN FINANCIAL FORGED MY ELECTRONIC SIGNATURE I HAVE A WITNESS. I TOLD ONE MAIN FINANCIAL IN PERSON AND IN WRITING I HAVE A POA MULTIPLE TIMES AGAIN IN WRITING ON XX/XX/XXXX TO STOP WHATEVER THEY WERE DOING. 

MY POA NAMED AGENT DID NOT AUTHORIZE THIS TRANSACTION It is not up to OneMain to recognize my POA. It is recognized by the probate laws of California. I never used any of the money that OneMain financial deposited into my account illegally. I want them to take back their money and refund XXXXXXXX XXXX. This is also elder financial abuse. My father is XXXX XXXX XXXX. He is a Primary on the car. He did not authorize this as a member of the XXXX community how many more social injustices do we have to go through before we are helped with equality OneMain financial already has a enforcement action against him for {$10.00} XXXX as of XX/XX/XXXX for these very deceptive practices
Product: Checking or savings account

This is an addition to my copmlaint # XXXX filed earlier today. While in the branch, I had offered to show them multiple pictures IDs that had I had on me ( 3 of them ), plus additional non-picture IDs, but they refused to even see them, this had been recorded on my phone, before refusing deposit and service, while these hateful, criminal employees twice younger than me kept laughing in my face.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of the fraudulent accounts and inquiries listed below. As a victim of a data breach, these unauthorized accounts have appeared on my credit report, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Please see the details of the fraudulent accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} Inquiries : XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX am writing to complaints on wrong information on my credit report. The following addresses are inacurate and not my current or correct addresses : XXXX XXXX XXXX XXXX, FL. 
XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX. The following inquiries are on my report that were not applied for by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 
PLEASE REMOVE AND DELETE ALL INACCURATE INFORMATION IMMEDIATELY
Product: Credit card or prepaid card

My credit card number was stolen, and there was a charge for XXXX put on my card. I immediately noticed it and called my credit card company to cancel the charge - the same day - and put a stop on my credit card so no other purchases could be made. It was stopped and I was immediately reimbursed - however, a shipment of clothes was delivered to my house. They arrived a week later - none of the clothes were obviously in my size because I did not order the clothes. My only guess is that the person who ordered the clothes wanted to steal them off of my porch or I read about some scam where people send them to an address and then have fed ex pick up the package and send it to their house. 
But because they were sent to my house the credit card company and XXXX won't refund me. I showed them that on the billing sheet there was an email address that was not my own and a phone number that was not my own. I have never worn the items, they are untouched with tags still on. I know have XXXX worth of XXXX clothes that I cant even fit into or wear that I never purchased! I took all the right actions, and contacted my credit card immediately but am still being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my consumer report and noticed some accounts that there are some Inaccurate alleged accounts being furnished on my consumer report. Because of the error I am being penalized greatly in extremely high interest rates when being approved.
Product: Credit card

I was scammed on XX/XX/. 

Same date I contacted the seller and was met with hostility when I asked for a refund. I informed Captiol One about the scam and disputed the charge. Captiol one told me they will temporarily refund me the charge. 

XX/XX/XXXX, Captiol one temporarily refunded me the charge. 

XX/XX/XXXX Seller told Capitol one there are no refunds. Capitol one took back the credit they issued. 


XX/XX/XXXX I provided a very detailed letter explaining how I got scammed and how this proof is all over online to capitol one. 

Detailed letter is attached in the notes XX/XX/XXXX. 
I received news from Capitol one telling me I didnt have enough information therefore they wont credit my the account.
Product: Mortgage

I was notified very last minute that the mortgage payment increased by XXXX dollars a month. I looked into the escrow and I paid those taxes at closing, but the servicer is saying that it was never taken out and they were charged in XXXX, but I never received a bill from the county about this. Regardless, the annual taxes will not be anywhere near the estimated {$2300.00}, as the bill this year was just barely {$1200.00} and they will not re-review the estimated taxes even when they are very clearly incorrect. I have involved my original mortgage company and the servicer has refused to work with them. I ask that they recalculate my taxes based on the relevant information I have provided directly from my county and city.
Product: Debt collection

Debt paid through office XX/XX/XXXX and submitted as paid to Focus Recovery on XX/XX/XXXX. Focus recovery proceeded to put on credit report on XX/XX/XXXX after DR office informed them it was already PIF.
Product: Debt collection

I recently saw a collection on my credit report for IC systems. I contacted the collection agency as I do not use " XXXX '' which was indicated as the debtor. Where I live we use XXXX. I told them I disputed the account, but they insist it is mine and are unable to provide documentation it is mine. I even reached out to the reporting agency and was told by them that IC System " verfied '' it. However, not one piece of documentation can be provided for what this actually is.
Product: Credit reporting or other personal consumer reports

Updated date report. Please see Ballistic 2 documents.
Product: Money transfer, virtual currency, or money service

They dont have real people to talk to and tell anything they run you around in circles and play games about your money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX, XXXX Account # XXXX {$1900.00} Account # XXXX - {$710.00} Account # XXXX - {$710.00} not only did my medical insurance cover the above amounts the two accounts that show I allegedly owe {$710.00} is reporting on my XXXX  credit report incorrect its showing i owe {$730.00} on XX/XX/2022 the above accounts were removed and then readded on my credit report as new collections My privacy was also violated during a time where these medical bills were inaccurately allegedy validated by this third party collection. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have issue XXXX open but the creditor is refusing to delete the fraudulent HARD INQUIRY done by whomever opened the account. It has already been determined the account was opened fraudulently and that all items should be deleted per XXXX. Equifax continues to advise that the inquiry is valid and in fact it is NOT. Obviously if the account isn't mine, I didn't apply for it so all pieces need to be removed from my credit report. 

I had opened an online dispute with them, confirmation XXXX, to have this inquiry removed and they closed it in less than a week saying it was valid. This is the 5th time I have disputed this since XX/XX/2018. It needs to be resolved ASAP before legal action is taken.
Product: Student loan

I have a consolidated federal student loan with mohela and I qualify for PSLF under the limited waiver. Unfortunately, I can't seem to get my payment counts updated now for over a year despite multiple contacts with mohela and studentaid.gov. 

I applied for PSLF in XX/XX/2022. My employer was deemed qualified and I should have had well over 120 eligible payments under that employer at that time. However, my payments remain not fully counted now over a year later - specifically payments from XXXX have not been counted. 

I'm still not sure if this is a mohela of DoE problem. I have chatted and called with mohela and studentaid.gov more than 10 times over the last few months. I have escalated through mohela 's pslf line. I have filed a complaint through studentaid.gov. I have been told many different things, including that mohela recognizes that there is a problem and said they would fix it ( on XX/XX/XXXX over the phone with mohela they said all my counts would be updated within 14 business days, which didn't happen - this is documented in the notes in my account ). I chatted yesterday with mohela and they said to just wait longer. I called yesterday with mohela and again they said there was a problem that they would handle by sending an email to someone. I asked to speak with a supervisor and they refused. They also said that they would send me a form in the mail within 30 days so that I could send them evidence of my payments made and I might hear something back 90 days after that but there was no guarantee. I would appreciate any help resolving this issue. Thank you.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. I demand the following accounts be properly verified or removed immediately. 
The accounts & inquiries in question are listed below. 

Inaccurate Accounts : XXXX  XXXX Bankruptcy : XX/XX/XXXX - Dismissed XXXX  XXXX  - status derogatory XXXX XXXX - status collection/charge off XXXX XXXXXXXX XXXX XXXX XXXX derogatory Unauthorized Inquiries : XXXX  XXXX - XX/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 XXXXXXXX - XX/XX/XXXX XXXX the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It has been OVER 30 days & I have not received any verification. When I call, I always get someone who does not speak clear English and I am told the items have been verified. 
Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and 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 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 reported in months reported to be removed.

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. 


XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I been with a lot of companies, that has used XXXX XXXX XXXX. I been cleared with XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX. They all had used XXXX XXXX XXXX. So I don't understand when XXXX requests a background check, they seems to have me as a XXXX, I have not been a XXXX for almost 20 years, and I hated that job. I was treated unfairly. I never renew my certificate for XXXX because I didn't like it. So my question is, is why does this only happens with XXXX. This cost me a good job. 

Thank you
Product: Mortgage

City First Mortgage located at XXXX XXXX XXXX , Florida foreclosed on my mortgage loan taken out XX/XX/XXXX. City First is a hard money lender. We are XXXX XXXX XXXX XXXX and XXXX XXXX. The loan was for XXXX. At the time of these transactions XXXX XXXX XXXX was XXXX old. He is the principle in these business dealings. The persons who led pastor to this deal was XXXX. XXXX XXXX and XXXX XXXX who has been arrested for senior citizen crimes in XXXX XXXX Florida in cooperation with XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXXXXXX. The attorney for City First is XXXX XXXX, P. A. who Violated a stipulation agreement initiated legally through the courts on XX/XX/XXXX. The agreement was that if we XXXX of XXXX would make a XXXX dollar payment XXXX dollars for 12 months, the foreclosure would be dismissed. XXXX XXXX never dismissed the foreclosure even though we made the payments, thus taking us back to court and forcing us to sell or lose our property. All this is found on # XXXX on page XXXX of the stipulation agreement. Further more XXXX XXXX 's title company held back funds that were do me at the close of the original sale of the same property. She was suppose to hold XXXX dollars until certain violations were cleared. all the said violations were cleared but she and City First with held the funds from us