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

XX/XX/17 order placed for XXXX lipstick on XXXX shipping address was XXXX XXXX XXXX XXXX XXXX OR The package was delivered to arizona address. 
filed a complaint with XXXX but they wont refund filed a dispute with Wells fargo and was not accepted. 

As a buyer on XXXX using a wells fargo credit card I am protected for this type of mishap. XXXX should be refunding me my money and taking it back from the seller for item not delivered. 

WF dispute # XXXX Status : Closed - Dispute Declined Transaction, XXXX XXXX XXXX XXXX CA XXXX Amount XXXX {$3000.00} Claim XXXX Status : Closed - Dispute Declined I have attached a copy of the receipt ( XXXX pages ) which shows ON THE LAST page the shipping address for the order. 

I also attached a copy of the tracking. 
Shipping address was to : OR Items delivered to : AZ
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion, XXXX, and XXXX on XX/XX/21 about XXXX accounts they are reporting on my consumer report that I did not give consent to them to report. They are stealing and reselling my private information and it is fraud. They have XXXX days to perform an investigation and to respond they have failed to do so. They never removed the items from my consumer report during the investigation and they have not provided the names and phones number of those they interviewed in the investigation process. I sent a demand to comply letter since they did not do what they were supposed to do and they have a grave responsibility to do so. I never gave them the permissible purpose to furnish a consumer report on me. This is now hindering the ability to provide for my son because of the stress is this causing me. I can't sleep at night and have anxiety from these negative items on my consumer report. I feel that I am being taken advantage of and they are profiting from my name. I am beyond upset.
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complain that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from the identity theft. The following items are fraudulent and I want you to remove : XXXX XXXX XXXX # XXXX XXXX, MA XXXX ; XXXX  XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$610.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EXPERIAN BUSINESS CRED XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$480.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, MA XXXX ; XXXX XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$610.00} ; XXXX XXXX Balance : Balance : {$14000.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNT ARE UNAUTHORIZED DUE TO FRAUD. PLEASE REMOVE -PLEASE UPDATE MY CORRECT PHONE NUMBERS SO CREDITORS MAY CALL ME DIRECTLY - XXXX-XXXX-XXXX HOME AND XXXX CELL THERE IS ALSO AN ADDRESS THAT DOES NOT BELONG TO ME SHOWING ON MY REPORT PLEASE REMOVE. XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX, TX XXXX. XXXX- XXXX-XXXX-XX/XX/XXXXXX/XX/XXXX AND XXXX- XX/XX/XXXX EQUIFAX- XXXX- XX/XX/XXXX  XXXX- XXXX XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX {$22000.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Debt collection

I dispute but they not respecting the law I didnt give written consent for them release information information 15 US Code 1681 ( b ) ( 2 ) ,15 US Code 1681 ( a ) ( 2 ) ) (
Product: Checking or savings account

XX/XX/year> SoFi bank restricted my account for a tax levy and put a hold on the money in my account. Later that evening I received a direct deposit from my employer and I as told by the State of Illinois that the levy was to freeze what I already had in my account when it was put in place. Since then I received another deposit and I have no access to it because SoFi put a full restriction on my account. I can not pay for my basic needs such as rent, food, etc. even though the Illinois XXXX XXXX XXXXXXXX stated I should have access to those additional funds. SoFi refuses to lift the restriction on the additional funds.
Product: Debt collection

Good afternoon. 
After an investigation By XXXX XXXX XXXX XXXX, XXXX XXXX ( Case number XXXX ), into my XXXX XXXX account number XXXX. 
XXXX XXXX issued a final bill for the Total amount of {$980.00}. 
Last month I did pay {$95.00} off {$980.00} and now XXXX XXXX are trying to collect the wrong amount of {$1900.00}. 

Thank you for your help. 
XXXX XXXX XXXX and XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

In 2019 there was a company that continued to reach out to me to collect a debt. I continued to tell them that the debt was not mine and I wanted to dispute this. I am an XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize this. The company then charged it off and sent it to a collection company. Me and my wife have tried to get this dismissed or investigated before they sold it off to a collection agency. I have asked for documentation, contracts, and never received any of these items before they sent it to a collection agency
Product: Credit reporting or other personal consumer reports

I submited letters XXXX certified mail and dispute information. Asking for 1099 on all closed accounts, delete unverified information after doing reverification.I must also bring to your attention that Experian is currently facing a lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which alleges systemic mishandling of credit report disputes and failure to ensure the accuracy of information. This ongoing legal matter underscores the gravity of Experian 's responsibility to maintain accurate consumer records. 
In light of these circumstances, I respectfully request the following : An immediate investigation into the inaccuracies in my credit report. 
The correction or removal of the incorrect information from my file. 
Written confirmation of the changes made to my report. 
Compensation for the damages incurred due to the erroneous information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained within my credit report provided by XXXX XXXX, particularly concerning late mortgage payments. Pursuant to the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX XXXX, I hereby invoke my rights to dispute and request an investigation into the following late mortgage payments : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XXXX XX/XX/year> These reported late payments inaccurately reflect my credit history. I maintain that I made all mortgage payments on time during the periods mentioned above. 

Furthermore, I would like to bring to your attention the actions of XXXXXXXX XXXX  regarding a forbearance and subsequent repayment plan associated with my mortgage account. It has come to my attention that XXXXXXXX XXXX withheld proper information regarding the terms and conditions of the forbearance and repayment plan, leading to confusion and financial hardship on my part. Such actions are not only unethical but XXXX also constitute a violation of the FCRA. 

Moreover, despite my repeated requests, XXXX XXXX has refused to release phone recordings relevant to this matter. This refusal raises concerns about transparency and accountability in their dealings with consumers. 

In accordance with XXXX XXXX XXXX XXXX, I request that you conduct a thorough investigation into the validity of the late payment entries associated with my mortgage account and the alleged withholding of proper information by XXXX XXXX regarding the forbearance and repayment plan. This includes scrutinizing the accuracy of the reported dates, amounts, and any other relevant details pertaining to these late payments, as well as an examination of the information provided by XXXX Mortgage regarding the forbearance and repayment plan. 

Furthermore, I request that your bureau take appropriate action to ensure XXXX XXXX complies with the law and provides the necessary documentation and recordings related to this dispute. 

I urge you to take immediate action to rectify these inaccuracies and update my credit report accordingly. Please provide me with written confirmation once the investigation has been completed and the necessary corrections have been made. 

I appreciate your prompt attention to this matter and expect a response within the timeframes stipulated by law. 

Thank you for your cooperation. 

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

So a few things wrong with this Equifax report is they have me as XXXX XXXX on this one thing as shown in pictures but on the account they have my actual name correct, I have tried to dispute this I'm not XXXX XXXX,. 
2. Second thing is I got one of his debts I'm asking for to your help on removing this name from my account, and all the accounts associated with it on my file, thank you. Also I sent a multiple pictures of my ID and everything else yeah so I'm not XXXX XXXX in California
Product: Credit card

My three credit card accounts were reason closed was because of 4 returned payments on a personal loan I have with them. The first three payments were returned because they were duplicate payments. The last returned payment was because they tried to debit an account that was closed by my bank because of fraud. They never gave me any indication that was situation was creating a problem with my accounts. All payments were made earlier than the due dates. The problem stemmed from their auto-payment system was either trying to duplicate the payment or trying to debit a checking account that was closed due to suspected fraud. After the fourth incident I stopped using their auto-payment system and started to manually make the remainder of payment, without any issue. After discussing with AMEX in detail they have recognized how this may have contributed to the returned payments. They explained that once the accounts were closed they could not be reinstated even if it was in error because of bad information. They at no point admitted to the error on there part but still said that perhaps this situation was also not within my control. Because they closed my accounts without them making any attempt to advise me of the potential problem or discuss with me in advance they were closing my accounts, my credit score has dropped XXXX points. I now have a reduction of {$45000.00} in available credit so my usage ratio went from 20 % to 40 %, and my credit score was XXXX before now it is XXXX. They refuse to remedy the situation because according to them it can't be reversed, okay then what am I supposed to do about them destroying my credit rating. No one will give me any more credit to replace what was taken from.
Product: Vehicle loan or lease

I obtained an auto loan through BOA, which was abruptly closed without prior notification in XX/XX/2022. My last payment was made in XX/XX/2022 as scheduled. I have never missed or had a late payment prior to that, and always in great standing with the same business ( bank ) for 18 years. I was not able to continue making payments due to the action taken by the bank closing the account without providing notice of any such action going to take place. They have my contact number, email, and most current address all on file including the newest address when I had moved. The bank then reported it as a delinquent account to all 3 credit bureaus, which has affected my excellent score and credit history. They changed status from closed to open, upon my first complaint made which is showing only on transunion as open and claiming late payments ( of an account which was previously closed by them ). I attempted to resolve the issue directly, and they are claiming such negative remarks wouldn't be removed and that it would remain for approx. 7 years, even if I pay the balance. This was/is an unfair practice on their part for taking such an action. The comments differ slightly in each bureau, but all have the same negative standing. Please obtain all records from BOA on this claim to show the timeline of the events.
Product: Mortgage

I XXXX XXXX investment property located XXXX XXXX XXXX XXXX Il have requested Covid 19 hardship assistance. 

My tenant has passed away XX/XX/2020. The property had to be cleaned out because of the Covid 19. 

I never had a forberance plan on this account. I have proof all payments have been made up until the death of my beautiful tenant who has stuggle with her health issues. 

I have been paying the escrow payments tax and insurance out of my pocket and I have my own expenses bills to pay.
Product: Mortgage

I have filed XXXX prior complaints with this office, each time I do it at least while the complaint is active it causes XXXX and XXXX XXXX XXXX XXXX XXXX at least appear by what they submit to you guys during your review to appear to be working with me, then you guys close and they revert back to their prior practices. 

I am strongly appealing for direct human contact with me, my phone is XXXX and we can easily schedule a XXXX call at my email XXXX. This is a very unique XXXX foreclosure case. I have never been able to get ahead financially to hire an attorney thus have represented myself Pro Se unfortunately. There has been clear violations of both the Federal Fair Debt Collection Act and multiple violations of XXXX State Statues most notably the Statue of Limitations. Their foreclosure factory law firm has played every possible deceptive legal game and maneuver taking advantage of my lack of knowledge of over legal procedures. 

I finally filed bankruptcy in XX/XX/XXXX, to stop the sale. Then PHH baited me to dismiss, promising me they would or only would if I dropped my bankruptcy to resume in good faith negotiate with me a Mortgage Modification or Settlement Payoff. They again appeared to be doing it, thus why I did not pursue with your agency. Only to then to completely deceive me again. I filed bankruptcy the XXXX time this past XXXX. In XXXX, my Realtor submitted a cash/cash verified and no contingencies offer for {>= $1,000,000} Short-Sale Offer. This is $ XXXX above the PHH XX/XX/XXXX Appraisal and $ XXXX more than I originally borrowed. This Auction published minimum bid was $ XXXX, thus this legitimate cash off was more than $ XXXX above the auction price. In my opinion the puppeteer pulling the stings in the XXXX XXXX XXXX. Your agency has successfully sued XXXX and XXXX XXXX and know they have been and in my case continue to be bad and illegal actors. 

This case, please needs direct human contact. I am a XXXX XXXX XXXX, XXXX XXXX XXXX with a XXXX XXXX. My income for my XXXX Federal Taxes was XXXX, due to medical issues including XXXX XXXX procedures in XX/XX/XXXX. I would greatly appreciate a call and official investigation
Product: Debt collection

XXXX XXXX XXXX also dba XXXX XXXX, XXXX has received several requests from me to validate a debt that they have claim I owe. I have informed this company on several occasions that the debt they are demanding and harassing me for is a fraudulent debt. This debt is not mine and I asked for proof on numerous occasions. This company has failed to prove the information I am requesting, but instead provided a letter stating they are the " owner '' of a " sold '' debt. Midland has threatened to take legal action against me for a debt that does not belong to me. I have yet to hear back from Midland with the information requested as they continue to send " Pre Legal Notices '' and " ownership '' letters to stale.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted total visa to let them know I had fraud happen to me I had to file a police report on my ex wife because of she was putting fraudulent credit accounts in my name! They still says this item is accurate on my credit reports and still remains ... I never had a account with total visa! It should be remove from my credit report XXXX.. XXXX.. and XXXX ...
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received a call from XXXX (?? ) XXXX XXXX saying that I am being served a civil suit for a overdraft from XXXX XXXX in XX/XX/XXXX. They said original balance for the debt was XXXX but I owe them over XXXX now. I have looked at my credit report to repair credit but XXXX was never on there and I havent gotten any calls besides this current call ( XX/XX/XXXX & XX/XX/XXXX ) saying I am being served.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payment that is reported on my credit file maintained by Transunion. I believe this late payment is erroneous and do not accurately reflect my payment history. 
Account Name : XXXX XXXX Account number : XXXX Late payment reported : XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payment listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Transunion conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of this entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Lexis Nexis is reporting a bankruptcy account on my consumer report. Lexis Nexis did not get this information from the U.S Bankruptcy Court and appears to have solicited a disinterested third party for some information that is unreliable, incomplete and inaccurate. Please see attached letter from the United States Bankruptcy Court stating very clearly that the U.S. Bankruptcy Court does not report case information to credit reporting agencies. I have disputed the accuracy of the Bankruptcy account by letter dated XXXX 

Since it did not get the information from the Bankruptcy Court and the court doesnt report case information to Lexis Nexis, it will be verifying the same inaccurate information with the same disinterested third party. A violation of the statute. 

Additionally, Lexis Nexis is providing this same inaccurate information to XXXX, XXXX and XXXX credit reporting agencies as a Data Furnisher. This is highly inappropriate because a consumer reporting agency can not act as a data furnisher per 660.2 ( c ) ( 2 ). Further, Lexis Nexis is verifying the accuracy of this information in response to my direct dispute with these agencies. Please find attached a copy of my XXXX credit report dispute results, which indicates that This section includes public record items XXXX obtained from local, state and federal courts through a third party vendor, Lexis Nexis. None of the information relied upon is directly furnished by the source. A violation of the statute.