23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX at XXXX I placed an online order with XXXX and got its email confirmation from XXXX for the Order ID : XXXX. 
After only a few hours I realized the vehicle for the personal plate is not registered with the State of Texas where I'm a current resident, then I replied to the same email at XXXX on XX/XX/XXXX at XXXX to request the order cancellation and refund USD {$190.00} to my Wells Fargo debit card account asap. On the same date XX/XX/XXXX and the next date I contacted XXXX a few times at their phone number XXXX listed on their website to request an immediate order cancellation and refund, strangely every time I pressed '1 ' for English the system hung up automatically. So I sent a message from their Contact webpage to request an immediate order cancellation and refund. However after a few weeks gone by WITHOUT any response from XXXX regarding to my cancellation request for a full refund, I got an email on XX/XX/XXXX from XXXX that the XXXX XXXX Tax Collector office received the plate and I need all the Texas registered documents of the vehicle to pick up the plate. I also opened a claim with Wells Fargo debit card claim department about the refund from XXXX. On XX/XX/XXXX I replied to the same email that it IS illegal to put the plate on a vehicle which is not registered in Texas and requested them to refund. They replied that the vendor XXXX  IS responsible for cancelling my order in time and refund the full amount to my bank debit card. On XX/XX/XXXX or XXXX Wells Fargo debit card claim department denied the claim stating that I did NOT request the order cancellation in time or waited too long to cancel, which was NOT true per my previous email on XX/XX/XXXX. I tried to contact XXXX on XX/XX/XXXX at their same phone number and was able to talk to XXXX about the issue. She told me her supervisor XXXX will try to issue a refund asap. On XX/XX/XXXX I contacted Wells Fargo debit card again to reopen the claim with the copied email to XXXX on XX/XX/XXXX at XXXX to request the order cancellation and refund USD {$190.00} to my Wells Fargo debit card account asap as hard good evidence in writing that within a few hours of placing the order, I did contact the vendor to cancel the order. 
The customer service XXXX from the vendor XXXX told me on the phone that there is no refund policy in their order confirmation email but that is not true, not even on their website. Their business practice is more like a scam and misleading information.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I was awarded pandemic funding from the XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) program for mortgage assistance. The amount totaling over {$35000.00} was awarded in XX/XX/XXXX, and paid to my mortgage company, PHH. They have yet to apply it to my mortgage balance. They have not processed any of the payment to my account, and are now trying to say that I am in arrears, & they are going to start foreclosure proceedings. I have called PHH relentlessly since XX/XX/XXXX trying to resolve this issue with them to no avail. As of today, XX/XX/XXXX, PHH Mortgage Company refuses to apply the XXXX award money to my account. So, essentially PHH Mortgage Company has stolen those federal/state funds from me and the federal/state government. And now they are trying to steal my home.
Product: Student loan

XXXX 2017XXXX I was required to re-certify my income for the Federal XXXX XXXX program I am enrolled in XXXX XXXX thru FedLoans. I submitted my income, which had not changed and received a response that my payments had changed from XXXX $ am month to XXXX a month. It took until XXXX 2017 to get me on the correct payment plan with a more feasible payment. 

I was told by Fedloan Servicing in early XXXX not to pay my XXXX XXXX payment. To start paying again in XXXX when my new payment amount of XXXX $ a month would begin. they said I would have forbearance for XXXX. 

On XXXX XXXX my payment showed past due I immediately called Fed XXXX XXXX and told them what had happened they agreed my account should not be past due and assured me it would be fixed. 

Since then I have called, chatted online and emailed them begging them to fix my account and stop incorrectly reporting me past due to the credit bureau. I have been repeatedly told that it would be fixed. 

I have spoken to at least 4 supervisors and reported the company to the better business bureau. I last spent 1.5 hours on the phone with them on Friday XXXX/XXXX/17 where I was yet again assured by a supervisor or Account resolution specialist that she had emailed the person who had failed to fix my account in XXXX and that it would be fixed. 

It is is now XXXX XXXX and my account still reflects past due the XXXX could not get Fedloans to resolve my issues and suggested I contact you. 

I have been trying to purchase a home and they are reporting me poast due to the credit bureau. 

Please please help me I can not believe this agency is allowed to continue to handle our student loans not one representative I have spoken to has helped or told me the correct things. There is no way they should be handling millions of dollars of Americans debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

3rd request Target received a check and cashed it. Someone tell me where the funds are. When I call Target will not speak to me. Ive logged hours and at this point its mental distress, emotional distress and financial distress.

This dispute has 2 parts Original account is mine however fraudulent activity occurred as I experienced Identity there. I went through the fraud process with target when it happened. The account sat dormant until recent on my credit. I dont owe it HOWEVER I PAID IT. Again I PAID IT. Attaching a front and back copy of the cashed check.

Where is my money.

Why are you reporting charge offs after it was paid. Per XXXXn the reporting was suppressed then reporting began XXXX of this year. 

I request someone call me as Ive did all I can do on my own and I am fully prepared to file suit and go to the media as this is rediculous. Someone is half doing there job and its going to cost you if someone doesnt make an effort to resolve with me and that can be a phone call. This impacts, reg b, fcra, fdcpa, ftc as a fraud case was filed, Ive sent fraud forms and police report showing the identity AND I PAID EVEN THOUGH I DO NOT OWE IT AND NO ONE WILL RESEARCH THE PAYMENT. FINAL ATTEMP TO RESIDE BEFORE HIRING LEGAL COUNSEL AND I WILL ASK TARGET TO REIMBURSE LEGAL FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

To begin, my request to block is not being made in error ; nor is my request being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. TransUnion is denying me of my rights as a consumer!! 15 U.S. Code 1681c2- Block of information resulting from identity theft explicitly says the information required for a consumer agency to block and delete information reporting on a consumer file. ( A ) Block- a consumer reporting agency shall block the reporting of 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 by such agency of- ( 1 ) appropriate proof of the identity of the consumer- PROVIDED ; ( 2 ) a copy of an identity theft report-PROVIDED ; ( 3 ) the identification of such information by consumer-PROVIDED ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer-PROVIDED. It is evident that TransUnion does not abide by federal law. What right does TransUnion have to deny me, the consumer, of my federally protected rights?? I have provided everything necessary for this block of information and also attached the letter they sent me boldly asking me for additional information which is not required under federal law. Last, I did not give TransUnion my permission to place an extended fraud alert on my consumer file allegedly on my behalf.
Product: Vehicle loan or lease

Subject : Formal Dispute of Inaccurate and Unverified Account Reporting I am writing to formally dispute the inaccurate and unverified reporting of an account on my credit file. Despite my previous attempts to resolve this matter and the substantial evidence I have provided, Experian has failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). As a result, false and unverifiable information remains on my credit report, causing significant harm to my financial standing. 

Recent legal action taken by the Consumer Financial Protection Bureau ( CFPB ) has highlighted systemic issues within Experians dispute processissues I have personally encountered. These include the failure to forward consumer-provided evidence to furnishers, reliance on unreliable responses, and inadequate consumer notifications regarding dispute resolutions. Experians failure to take appropriate action in my case further exemplifies these ongoing violations. 

The account in question is : XXXX XXXX XXXX XXXX This account was charged off with a balance of {$2300.00} and last updated in XX/XX/XXXX. They sent me a bill for XXXX XXXX as well. What is going on? They sold my vehicle under the agreement of a paydate before the paydate was due. 

XXXX XXXX XXXX XXXX has failed to provide essential legally required documents, including : Confirmation of resale IRS Form 1099-C ( Cancellation of Debt ) The calculation of surplus and deficiency letter The notice of sale document Any additional documents related to insurance or finance products The buyers guide Any license, bond, or registration document required by the state to service the promissory note Because these documents have not been furnished, this account is unverifiable and should be removed from my credit file immediately. 

Experians failure to comply with its obligations under the FCRA, specifically Section XXXX ( a ), is unacceptable. Therefore, I am formally demanding the following actions : Conduct a thorough reinvestigation of this disputed account. 
Remove or correct all inaccurate, unverifiable, or outdated information. 
Provide a detailed response outlining the actions taken, including documentation supporting any verification of this account. 
Cease any further reporting of this account if it remains unverified, as required by federal law. 

If Experian fails to comply with this request within the legally mandated 30-day timeframe, I will have no choice but to escalate this matter. This includes filing formal complaints with the CFPB, the Federal Trade Commission, and my states attorney generals office, as well as considering legal action for non-compliance with the FCRA. 

Please confirm receipt of this dispute and provide written notification of the investigation results at the address listed above. I expect prompt and lawful action regarding this matter.
Product: Debt collection

XXXX XXXX XXXX Acct # XXXX Current Amount XXXX XXXXDiscount Offer {$2200.00} Address XXXX XXXX XXXX XXXX , Ml XXXX Telephone number and Name XXXX XXXX XXXX Request for my payment in a letter No Telephone ANSWER
Product: Vehicle loan or lease

Company allowed me to lease a vehicle at an astronomi cal " Rent-Fee '' ch arge that should be deemed illegal. After 3  years of paying this disgusting rate, I went to purchase my vehicle through Ally Financial ( the same company I leased the car from ) and they denied me financing. How could it be fair to not allow the customer to buy the vehicle after a lease?
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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this 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 XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Lexis Nexis previously sold and reported my private nonpublic and personal information to consumer reporting agencies thus committing identity theft and causing me injuries such as humiliation, stress, loss of opportunity and wages. Lexis Nexis provided a reinvestigation XXXX XXXX XXXX  and has failed to furnish notification of the deletion results to those including the elaborate mechanisms, XXXX XXXX and other persons who have obtained my consumer report for any other purpose in the past twelve months. 

Please see the attached for specific persons Lexis Nexis needs to send the notification of deletion to immediately and to provide me with a copy of each notification sent. 

Provide monetary relief of {$1000.00} for violating my privacy rights.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XXXX, Consumer XXXX : XX/XX/year> Contents of complaint : I am writing to file a formal complaint against XXXX XXXX, XXXX and TransUnion regarding their handling of a fraudulent bankruptcy entry on my credit report. This entry is the result of identity theft, and despite my efforts to resolve the issue directly with the credit reporting agencies, the problem persists unresolved. Below are the details of my complaint : Identity Theft Incident 1. Nature of Fraud : An unauthorized bankruptcy was filed in my name without my knowledge or consent. 2. Date of Discovery : XXXX XXXX XXXX. Impact : This fraudulent bankruptcy entry has severely damaged my credit report and financial standing, affecting my ability to obtain credit and maintain a positive financial profile. 
Actions Taken 1. Reporting the Incident : I filed an identity theft report with Federal Trade Commission ( FTC ) ] Report Number XXXX. 
I have submitted a personal statement to the credit bureaus detailing the identity theft and requesting the immediate removal of the fraudulent bankruptcy entry. 
2. Dispute with Credit Bureaus : I have disputed the fraudulent bankruptcy entry with XXXX XXXX, XXXX and TransUnion under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft within four business days. 
I have notified the credit bureaus that I am opting out of information sharing and withdrawing any consent for the reporting of this fraudulent bankruptcy. 

Issues Experienced 1. Lack of Response and Action : Despite my disputes and identity theft report, the fraudulent bankruptcy remains on my credit report. Negligent Violation under 15 usc 1681o. 
The credit bureau has not removed the fraudulent information in a timely manner, as required by 15 U.S.C. 1681c-2. This section of the FCRA requires removal of such information within four business days.

The credit bureau has not provided adequate verification or a satisfactory explanation for the continued presence of the fraudulent bankruptcy entry.

2. Privacy Violations : The handling of my personal information appears to be inconsistent with privacy protections under 15 U.S.C. 6802 ( Opt-Out Right ) and 16 C.F.R. 313.7 ( Prohibition Against Disclosures to Nonaffiliated Third Parties ). My personal data has been improperly used, impacting my financial standing. 
3. Non-Compliance with Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information. The continued reporting of this fraudulent bankruptcy indicates non-compliance with this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage from LOANCARE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called LOANCARE and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and LOANCARE with no successful resolution. XXXX, XXXX, and XXXX  only reporting me 30 days late in XX/XX/2019 and 30 Days Late in XX/XX/2019. There was an error on their part. I was never 30 days late on these two occasions.
Product: Bank account or service

On XXXX I received a letter from Chase Bank stating that 'after a recent review of your account, we have decided to end our relationship with you. ' Account to be closed on XXXX XXXX. I have been with Chase for 8 years. Never any overdrafts. Paid off a mortgage thru them and paid off a new vehicle loan. No one can tell me why or what triggered them to close my account. I want a specific reason, not just 'due to a review '. I need to know what they saw on this 'review ' to make this decision.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking, and the information detailed below on my credit report is a result of that trafficking : ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$56000.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$11000.00}
Product: Credit reporting or other personal consumer reports

I have been trying to get all three credit agencies to remove both bankruptcies from agencies as they are inaccurately reporting. name is incorrect, dates are incorrect, person al details are all incorrect. I further contacted the Courts and they advised that they do not report to any agency. I contacted XXXX XXXX and they have refused update there information to reflect correct information by the court system. please assist me with getting these two bankruptcy reporting removed, or properly reported per the Fair Credit Reporting Act