23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

RE : XXXX I called one month before the lease was expiring and explained to the person that I will be traveling and telling him the day I will be returning the car, he told me that I have some grace period. 
After several calls on XX/XX/25 I went to the dealer, and they provided me an invoice that was printed from the system, it says {$28000.00} and was valid for ten days ( please see attached ) .when I requested an explanation, I was told that it was from the system and if I wanted the details, I have to call Audi Financial directly. Same day, I called and was told that they can not provide me with that information. 

In my initial agreement the residual value was {$28000.00} and it was in my right to know why there was a difference of {$280.00}. However, neither XXXX XXXX XXXX that was the dealer nor Audi Financial provide me the information. XXXX XXXX told me that they received a statement from Audi Financial and Audi Financial told me that they can not provide that information and the dealer should tell me. My right is to know what I am charged for. 

Since this was a complete nightmare and lose a lot of time from my job, I decided to purchase the car and pay for it with a personal check, however, I was required to get a cashier 's check and it was already XXXX so, I told the salesman helping me that I will return the next day with the cashier check. I returned the next day with a cashier check for {$31000.00}. That amount includes the taxes and registration fee. However, the salesman explained to me that the amount due changed and I had to pay an additional {$21.00}. Again, when I asked for an explanation, he just said that it may be interest, however, he told me to call XXXX AgainXXXX XXXX, according to the person, was unable to tell me over the phone. So, once more and to finish the nightmare, I paid that amount, not knowing what I was paying for. 


At that point, I decided to stay quiet even though I know my rights. What was my surprise when I received a new invoice for {$700.00} charging me interest and disposal fees when I did not even return the car, I purchased it. 

After that, I have written two letters and called once, but according to them, they have not received the letters. According to the lady that answered my last call, XXXX  XXXX XXXX purchased the car and if I have an issue call them. 


I paid off the lease 3 months before and I did not receive a credit for that. Also, leased several cars with them and never had felt so aggravated with the way they conduct business. 

I want a reimbursement of the {$280.00} + XXXX that paid the next day and a complete reversal of the {$700.00} invoice Thank you
Product: Money transfer, virtual currency, or money service

I placed an order XX/XX/30 with a merchant. Merchant asked me to send Venmo for quicker delivery. Placed the order, then merchant said he would not send unless I doubled the order, wanted me to spend more money. I said no and canceled the order. Merchant refused and then sent me a fake XXXX XXXX tracking number and said he was sending the original order. I immediately told him to cancel and that I believed his site was a scam. He continued to say he would not cancel and was sending. No receipt of course and fraudulent tracking. I never received anything and XXXX XXXX  never had anything that was to be delivered to me during that time. I immediately notified Venmo who did nothing. They refused to stop the transaction even though it was pending. I disputed with my credit card company so Venmo suspended my account and did nothing to the thief. Will never use Venmo again
Product: Mortgage

I am disputing the results of the Wells Fargo internal investigation pertaining to my claims of Mortgage Fraud and several other illegal tactics used by XXXX XXXX. It is yet another example of following the same pattern of fraud and deceptive lending practices in which Wells Fargo has claimed no longer exist.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX 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 my 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 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. 

XXXXXXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

An XXXX  user reached out to me via XXXX claiming he was a XXXX XXXX. We began talking and when I said I was interested in investing, said he would send me some money to get started with it. He sent me two checks for {$2400.00} via email. One on XX/XX/2020 and one on XX/XX/2020. I had decided against using the funds both times and he had me send the money back through XXXX, XXXX, and XXXX. XXXX XXXX was the name on both XXXX and XXXX that they had me send the money to. The email for " XXXX XXXX '' is XXXX. The email he sent the check through was XXXX. I have filed disputes through XXXX, XXXX, and my bank, PNC. I have not heard much back yet, but PNC has made it sould like a dispute is not likely. I am very frustrated because I am a young XXXX  XXXX and that aspect was prayed on. I am now in even more debt because of it. The company on the check is named " XXXX XXXX XXXX. '' I spoke with them on the phone and they did in fact assure me that is they were fraud checks.
Product: Credit reporting or other personal consumer reports

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. I have doubts about the accuracy of this account and the reported payment history on this account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Bellow companies Marketing details & enquiries not recognize on my file 1. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX 2. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. 
XXXX CO XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX 4. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, CA XXXX 5. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 6. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 7. 
XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 8. 
XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 9. 
XXXX XX/XX/XXXX Location XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 10. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX 11. 
XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 12. 
XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 13. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN XXXX
Product: Checking or savings account

On XX/XX/2022 Chime Bank sent me an email saying that they needed additional info for my account. They sent an email requesting my drivers license and a bill with my current address on it. They also locked my account that same day until I would send them that info. The following day I sent them the info via email. It has been 3 weeks and I have not been able to get a hold of anyone to help with unlocking my account. I have no access to my money and when I call customer support they tell me to email the chime support and I emailed them 4x times with no replies. I tried to reach out via XXXX and was told that someone would reach out to me to review my account an no one has. Not sure what next steps to take to get a hold of my money or at least transfer it to another account as it is still locked.
Product: Prepaid card

I submitted my for unauthorized funds taken from my account back in XXXX somewhere near XX/XX/23 I did not get a provisional credit nor my issue resolved I received two letters of denial?? Stating I took the cash out or someone I know??? I did not take no money out of my account!!! I REQUESTED THE DOCUMENTS USED TO DETERMINE THE DECISION WHICH I HAVE NOT RECEIVED I WAS ALSO JUST TOLD I COULD HAVE FILED A POLICE REPORT WHICH EOULD HAVE HELPED THIS MATTER!! WHY WAS I NOT GIVEN THE INFORMATION THE FIRST TIME I CALLED!!!??
Product: Debt collection

I'd recently checked my personal credit and noticed XXXX XXXX, 2024, a collections company, Elevate Recoveries LLC, added an amount of {$1000.00} without any prior notification, written correspondence, phone calls, etc. This amount was added to XXXX and is currently affecting my credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday XXXX XXXX, XXXX at XXXX I called Experian and spoke to a U.S. representative regarding my credit file. I told the U.S. representative that my name was incorrectly spelled and it was showing that my name was spelled as XXXX XXXX and he completely ignore my request and rush me off of the phone when my name is clearly spelled XXXX XXXX. When I called back and spoke to a different representative I want a re-investigation of the items I had disputed accounts including XXXX XXXX XXXX XXXX XXXX XXXX. I clearly stated to the representative that they have failed to provide me with a copy of any viable evidence submitted by these two accounts and to be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within the 15 days of the completion of the re-investigation. I also stated that they please provide the name, address, and telephone number of each person that contacted these companies in regarding this alleged account. I requested a copy of any documentation provided these accounts with my signature, showing that I have a legally binding contractual obligation to pay them the amount claim. I also stated that an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. The U.S. representative however did not care to fix the problem and hung up on me when I was still talking to him which was very rude and disrespectful.
Product: Debt collection

pay pal. is trying to confuse the matter by using a different company name. They think they're confusing me when they get a company like XXXX to make calls of harassment. about alone when they associate with this company, the company call use profane language They're threatening tactics or talking about coming to my house and do harm. associated with pay pal under the guise of XXXX some other names for this company, that associate with pay pal is as follows. 1. XXXXXXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX. The phone numbers to to include the following numbers. : XXXX, XXXX, XXXX aand 2 work from home XXXX phone numbers XXXX and XXXX the last 2 pretended not to speak XXXX. They sent this call after I paid on the debt, I owed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, Regional Finance sent a check and somebody who is not me cashed it. This resulted in me owing them money and impacted my credit report in such a negative way that I am no longer able to receive a mortgage to buy a house. They said it has not been paid in 120 days so they wrote it off and are waiting for it to be sent to collections. I have filed a police report, contacted all of the bureau 's and was told I need a letter from Regional Finance acknowledging it was fraud to get this off my credit report. Regional Finance has been uncooperative, they told me that they wrote it off and there is nothing I can do until a collection agency buys my debt.
Product: Credit reporting or other personal consumer reports

I have requested my address to be updated via mail and phone. My address is showing incorrect on all my reports and are holding me back from progressing into homeownership. I have sent my SSN as well as my Driver 's License with the only address that should be on my credit report from XXXX, XXXX and Equifax
Product: Mortgage

My house was foreclosed in 2012 and I had {$55000.00} in home equity. I never received any money.
Product: Debt collection

I have been a victim of Identity Theft since XXXX XXXX, XXXX. I already filed a XXXX XXXX Police report, placed a Security Freeze and Fraud Alert through my credit report such as XXXX. I also filed a report through the Federal Trade Commission. The suspect stole my personal information such as my Social Security Number, date of birth and work related information to open numerous fraudulent accounts under my name without my knowledge and authorization. I had to contact most and all credit card companies and financial companies to dispute the fraudulent charges against me. The fraudulent charges were dropped in my favor because I cooperated with the credit card merchants. My credit score was restored back to XXXX points again since XXXX XXXX. I always paid my bills on-time without penalties. I have and owned a good home because I am a responsible person and paid my bills on time. The suspect ruined my life, my freedom, my reputation as an honest man and credit score when he opened these fraudulent accounts and avoided captured from the law. I have suffered through enough anger, frustration and stress for the past 12 months since my Identity Theft case. Today on XXXX XXXX, XXXX I received a bill for the amount of {$6300.00} by the company known as XXXX which represented Galaxy International Purchasing , LLC. I cooperated with XXXX XXXX XXXX back on XXXX XXXX which also represented Galaxy International Purchasing , LLC. I faxed XXXX XXXX XXXX all the paper works it needed such as my CA Driver License, my Social Security Card, my work ID, an affidavit form which included a notary signature person to verify the true identity of me and a XXXX XXXX Police report. I did NOT hear anything from XXXX XXXX XXXX since then because I thought my case was dropped in my favor. It appeared Galaxy International Purchasing , LLC is still harassing me through another collection agency trying to force me to pay bills which I do NOT owe and I refused to pay the {$6300.00} because I have been a victim of Identity Theft. Galaxy International Purchasing , LLC should be punished for allowing criminals to use anyone 's name without conducting a thorough investigation of the person. And now I have to pay the amount because of Galaxy International Purchasing , LLC was negligence to allow criminals to steal victim 's identity and open fraudulent accounts. I refused to pay XXXX due to Identity Theft and will hire an attorney to sue Galaxy International Purchasing , LLC for repeated harassment. I would like Galaxy International Purchasing , LLC to STOP sending me bills for which I do NOT owe and will NEVER pay because I did what Galaxy International Purchasing , LLC want by sending them my personal Driver License, a police report, my Social Security Card and an affidavit form which included a notary signature. I am very upset with Galaxy International Purchasing , LLC for the repeated harassment and for allowing criminals to use my name to open fraudulent accounts and force me to pay the price.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Name : XXXX XXXX ( TU ) Name : XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) The following account status is incorrect : XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$11.00} ( XXXX, TU, XXXX  ) ; I was never late. 

The following items are reporting as a result of Identity Theft : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$240.00} ( XXXX  ) XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$520.00} ( XXXX  & XXXX  ) Please remove unauthorized inquiries from my credit file : XXXX   XXXX XXXX XXXX XXXX US SM Bus Admin XXXX XXXX XXXX ( 4 Times ) XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX ( 3 Times ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

on XX/XX/XXXX my husbands and my credit cards were both charged with fraud charges. my husbands for XXXX on that date his card was cancelled. 2 days later i had to call back to contest the charges after they posted.. with in a few day the charges were removed. i again asked what happened to my card status. spoke with a XXXX. my card was then cancelled on the XXXX of XXXX on XX/XX/XXXX spoke with XXXX and she said the charges are still pending and would be removed in 5-7 days. i continued to check daily and nothing is resolved. spoke with XXXX on XX/XX/XXXX was told that this is still pending. had XXXX at the branch office call. he was told that the claim had gotten stuck for some reason because bank of the west went to bmo. on XX/XX/XXXX was told by XXXX that it could take up to 60 days before it could be removed. on XXXX called bmo XXXX # again spoke with a XXXX advised there were no notes about these charges she opened a dispute and gave me a claim number and was told again 7-10 days. called on XX/XX/XXXX because now there is an XXXX $ and change interest on this charge. 
( this charge was for XXXX an airline tkt. i XXXX  it ) this is the only charge on my card. 
i called and talked to XXXX on XX/XX/XXXX and was told the 7-10 days was incorrect but she did see that there is a claim. i don't understand why a {$2400.00} chrg can be removed in a few day but not a XXXX $ charge. nothing was documented until XX/XX/XXXX now i have interest chrgs. i want to clear this up so i can cancell my credit card with bmo
Product: Debt collection

I have pulled my credit report from multiple sources at several different intervals. I have seen accounts from the debt collector BC Services, and attempted to reach them in regard to settling the debts. I informed the collector that my interest in contacting them was to clear all accounts off my credit report ; I then asked the representative how many accounts total they had reporting to my credit. The rep I was speaking to ( whose name I did n't catch ) informed that they have XXXX accounts total on my credit and all are being reported on my credit. Upon calling back at a later point I was advised that there are only XXXX of the XXXX accounts actually being reported. This is a blatant violation of the Fair Debt Collection Practice Act, by the representative knowing that my attempts were to clear my credit report and then advising that an account not on my credit report is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of unfair credit reporting act resulting in the lose of equity due to me according to 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card ( my social security number ) by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. : multiple inquiries due to a data breach, names reporting that arent mine, closed accounts reporting as negative delinquencies, and late payments reporting on accounts stated paid as agreed. I have tried to inform XXXX, Equifax, and XXXX  of the fraud investigation I reported regarding credit accounts for the last three months ( XX/XX/2021 until the present time ( XX/XX/2021 XXXX XXXX and to no avail Ive gain unnecessary delays in processing my written request and unacknowledged notarized affidavits, along with the unwilling assistance in resolving the issues concerning my credit as previously stated like wrong names on my report, inaccurate addresses, closed accounts reporting as derogatory accounts, late payments listed under accounts in good standing, and student loans reporting without my written consent that violates my request to privacy pursuant 15 USC code 1681 ( b ) ( 2 ) In accordance with written instructions of the consumer to whom it relates. As a consumer I rely wholeheartedly on the efforts of the Consumer Financial Protection Bureau to protect, correct, and reaffirm my trust in the ability to gain fair reporting concerning my credit.