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

I retrieved a package from XXXX from my mailbox on XX/XX/XXXX. Upon opening the package, I saw that the merchant did not send the correct number of items. I had ordered 4 packs of 5 items, but I had only received 4 packs of 1 item. I reached out to the vendor on XX/XX/XXXX and then began the return process on XX/XX/XXXX. I indicated that my reason for returning the items and requesting a refund was due to missing 16 items. I also indicated the merchant must cover the cost of the return label for the 4 items that I was returning. The merchant asked for pictures, and so I sent pictures to show that they sent packs of one rather than packs of five. 

I filed a dispute with Citibank on or about XX/XX/XXXX or XX/XX/XXXX because XXXX was not resolving the matter. After I filed the dispute, either XXXX or the merchant or XXXX provided a return label and said to ship the item back by XX/XX/XXXX to claim the refund ( refer to " XXXX message 08 ... ''. ). The returned items were received by the merchant on XX/XX/XXXX at XXXX XXXX ( refer to " XXXX - ReturnTRACKING ... '' and " XXXX - ReturnDetails. '' ) Citibank did not resolve the dispute and, on XX/XX/XXXX, indicated that I was responsible for the dollar amount. I submitted documentation to show that I am owed a full refund from XXXX. However, on XX/XX/XXXX, Citibank determined again that I am responsible and asked that I show evidence that XXXX merchant would issue a refund. The evidence had already been provided in the documentation that I had sent. Again, refer to " XXXX message 08 ..., '' " XXXX - ReturnTRACKING ..., '' and " XXXX - ReturnDetails. '' The messages and the tracking information are all attached. The last message that I sent on XX/XX/XXXX to XXXX merchant was not replied to by the merchant or XXXX. The bottom line is I paid for 20 masks so that I would have them and could wash them for my children to wear to school before XX/XX/XXXX, I only received four masks from the merchant, I returned those four masks, and I never received any refund.
Product: Credit reporting or other personal consumer reports

I request your assistance in resolving an issue with TransUnion Consumer Solutions. I am concerned about their failure to properly address my dispute regarding an inaccurate, outdated employer on my credit report. 

On XX/XX/XXXX, I discovered an inaccurate, outdated employer listed on my TransUnion Consumer Solutions credit report. This inaccurate, outdated employer has negatively impacted my credit scorXXXX. 

I contacted TransUnion Consumer Solutions on XX/XX/XXXX, and again on XX/XX/XXXX, to dispute this inaccurate, outdated employer. Despite providing all necessary documentation, TransUnion Consumer Solutions failed to conduct a proper investigation and did not remove the inaccurate, outdated employer from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCOUNT XXXX after reviewing your reinvestigation I noticed some violations On my credit report that you claimed that you had verified there is a lot of incomplete information that is reporting look at the payment history on this account starting from XX/XX/XXXX you are reporting ok all the way up until you get to XX/XX/XXXX and XX/XX/XXXX it starts going to unknown states YOU CAN NOT DO THIS PER THE FCRA ALL INFORMATION MUST AND SHALL BE REPORT 100 % CORRECT You can not report information like this per the FCRA I HAVE ASKED YOU FOR MONTHS TO DELETE THIS ACCOUNT BUT YOU KEEP COMING BACK SAYING YOU VERIFIED THIS ACCOUNT IN WHICH YOU DIDN'T I'm asking you to delete this account permanently or if you plan of doing another dispute I'm going to need from you is a payment history starting from XX/XX/XXXX - XX/XX/XXXX from the creditor But this should be deleted
Product: Debt collection

On XX/XX/XXXX this company sent via the mail a debt collection letter for an account that was settled with the original creditor. I emailed them immediately as their letter stated to do so via email with proof that the debt was already settled with the original creditor via a settlement and sent them the following request. amongst that request was a cease and desist of contact until all of the information requested was provided. 

On XX/XX/XXXX these people called again but have not provided any of the requested information as to date. They are claiming i owe more of a balance while my screenshots of the agreement shows the amount agreed to and paid to settle the original debt. I requested the below on XX/XX/XXXX and demanded to not being contacted until it is provided, yet they called me again. 

>>letter sent<< I was contacted by your firm via letter on XX/XX/XXXX stating I owed {$5200.00} to XXXX. However, I do not owe this debt. Attached are screenshots of conversations had with XXXX showing that an agreement was made and entered into for a settlement and was PAID years ago. This was also reported to the New York Attorney General 's office when XXXX tried to continue collecting after the settlement was paid. 

I am informing you that I dispute the debt youre claiming I owe. 

I am hereby requesting that you please provide me with ALL of the following : XXXX Documentation that proves there is a legitimate reason you think I owe the debt, including a copy of the original contract with my hand written signature, or provide me with a copy of the written agreement that created the original requirement to pay with my signature. 

XXXX The age of the debt, including when the last payment was made. 

XXXXThe most recent billing statement the original creditor sent to me. 

4-When you purchased this debt and how much you purchased this debt for. 

Again, this debt was settled and paid with the original creditor as seen in the attached screen shots. I am more than happy to re-open the complaint with the New York Attorney General 's office pertaining to the original creditor breaking the settlement contract once it was paid in full as agreed upon. 

Until you can provide me with ALL of the above requested information, please cease all communication with me and note on your records that I dispute any responsibility for this debt. If you are reporting this information to a credit bureau or have already reported it, report that I am disputing this debt.
Product: Credit reporting or other personal consumer reports

I am formally submitting a complaint against Equifax for its inadequate investigation of my disputes concerning inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within a 24-hour timeframe, asserting that the account is accurate without providing evidence of a comprehensive investigation. This practice constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which stipulates the necessity of a reasonable investigation into disputes. Moreover, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This assertion is further supported by the recent administrative proceeding initiated by the Consumer Financial Protection Bureau ( CFPB ) against Equifax ( File No. XXXX ) for analogous violations. I respectfully request that the CFPB take appropriate action to ensure Equifax 's compliance with federal law and to mandate that the company provides consumers with the requisite documentation of its investigative processes. The reported inaccurate accounts are as listed ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for the credit bureau to delete incorrect addresses and they have failed to honor requests. 

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

My complaint is with Wells Fargo. The account was opened while on XXXX XXXX. Wells Fargo stated on numerous occasions that my interest rate will change due to the Soldiers Civil Relief Act. They continued to charge my high interest. I even stated that under the Soldiers Civil Relief Act I was unable to keep up with the high interest payments. They then closed my account and it was sent to collections. After no reasoning with the company they reported an incorrect amount that I owed. I finally settled an amount with the company and the rest was reported on my taxes as earned income. They have continue learning to update information on my credit report. This account should have never went to collections. I have also paid the due amount, and I feel this account should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated under the FCRA to ensure the accuracy of the information reported on my credit file, yet they have failed in this respect. They have inaccurately reported a late payment associated with myXX/XX/XXXX account ending in XXXX, which is a clear deviation from the truth. The record indicates a 30-day late payment in XX/XX/2019, an assertion that is both incorrect and should be amended to reflect the status of PAID AS AGREED. 

Moreover, according to 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report should not include information that pertains exclusively to transactions or experiences between the consumer and the reporting entity. The inclusion of these late payments is a direct violation of this provision, infringing upon my federally protected consumer rights. 

I would also like to highlight that I never granted EQUIFAX explicit authorization to include these erroneous late payments in my consumer report, constituting a breach of 15 U.S.C 1681b ( a ) ( 2 ). It is evident that EQUIFAX 's actions are not only a violation of my rights under the FCRA but are also inflicting significant emotional distress and tarnishing my reputation, leading to discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows inaccurate information. An account on my credit report has been re-aged XXXX XXXX XXXX XXXX  XXXX which is a very serious violation. I have a proof showing that. I have sent a letter to the credit bureaus to notify them but they did not reply to me, it has now been more than XXXX XXXX XXXX XXXX days and the inaccurate information is still on my report. I have the USPS return receipt showing that credit bureaus received my letter almost 2 months ago and they have still not replied to me. In addition of being re-aged the XXXX XXXX XXXX  account shows a lot of inaccuracies such as incorrect payment history, incorrect high balance, incorrect credit limit
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 MONTHS REPORTING LATE 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. 

This company 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

Please be advised this is my second WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, I respectfully request a copy of this document to be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, Im sure youll agree that verifying you information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests I demand the following accounts be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts are listed as a collection with a PAST DUE BALANCE. 

Account Name : XXXX XXXX XXXX, Account Number : XXXX Past Due Balance : {$630.00} Account Name : XXXX  Account Number : XXXX Past Due Balance : {$430.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$99.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$840.00} Account Name : XXXX XXXXr Account Number : XXXX Past Due Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Past Due Balance : {$450.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLINANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Product: Checking or savings account

XX/XX/XXXX an automatic funds transfer was set to go to my bank account credit card {$300.00} by the XXXX no acknowledgement that this was happening. On the XXXX I deposited {$200.00} in this same account from my checking account and on XX/XX/XXXX both the {$300.00} and the {$200.00}. were deposited leaving the checking account overdrawn. 
I spoke with an agent from technical support at the bank after waiting on hold for over an hour when a 30 minute wait time was mentioned and the agent asked me my name and I gave it and told him of the issue and he transferred me to claim where after 15 minutes I hung up. This a.m. the problem still exists and I am concerned.
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 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 paymen t 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. 


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 or other personal consumer reports

To Whom It May Concern, I am writing to dispute the inaccurate and unfair reporting of a late payment on my credit report associated with the account number 000469. This late payment is completely unacceptable and unjustified. I demand that you investigate this matter immediately and take corrective action to remove this derogatory mark from my credit report without delay. 

BARCLAYS BANKXXXX XXXX XXXX 2 late payments ) Account number : XXXX According to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure that any information reported to the credit bureaus is accurate and verifiable. The reported late payment is erroneous, and unless you can provide concrete and documented proof that this payment was indeed late including a detailed payment history you are required to delete this negative mark immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dealing with a derogatory account with XXXX XXXX XXXX on my consumer report. XXXX XXXX XXXX sent me a letter stating the tradeline will be deleted, but it is still showing on my consumer report. Due to the furnisher erasing this account, please remove this account from my consumer report.
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

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

On XX/XX/XXXX. I noticed my bank account drained from XXXX transactions. I called the bank and was told not to worry and that my funds will return next 10 business days. I expressed to them I had bills and other things to pay they assured me not to worry. On XX/XX/XXXX I received an email denying my claim. I feel bank of america failed to protect me as an customer. Also I agree they are in violation of Reg E federal law, protecting customers on unauthorized transactions. Please help recover funds thank you.
Product: Checking or savings account

I am extremely frustrated and outraged by the complete failure of Chime to handle this situation properly. On XX/XX/2024, I lost access to my Chime account, which I believed was due to a technical issue with the bank 's system. For an entire week, I couldnt log in or monitor my account! I contacted Chime multiple times during this period, both before and after I regained access. And now, on XX/XX/2024, Chime is telling me they didnt detect any suspicious activity until I called? Thats absolutely unacceptable! 

During that time, {$3800.00} was stolen from my accountyet the only response I got was, " We can send you a new debit card. '' Are you kidding me? That is NOT an appropriate solution for the magnitude of fraud that took place! When I finally set up a dispute, I was told to check my email to verify the details, only to find out that my email had been accessed by someone elsemost likely the same person who used it to log in to my bank account and drain my money! 

I expect immediate and thorough action from Chime, not just issuing a new debit card. I want to know how this happened and why it took so long for anyone to notice the fraud. {$3800.00} is a significant amount of money, and this issue needs to be resolved immediately. I will not settle for anything less than a complete investigation and the return of my funds.
Product: Credit reporting

When applying for a personal loan, my bank informed me that I had an outstanding charge on my credit from a company call XXXX XXXX. Up until that point in time I have never heard of that company. When I filed my dispute with Transunion and they finished their investigation, they are still holding me responsible for the charges. I had a similar incident like this occur XXXX 2014 and the case was taken care of and I am no longer responsible for those charges on a XXXX XXXX account. Both the XXXX XXXX and XXXX charges occurred within 1 month of each other. At that time I was XXXX years old, in college, living at home, no car, no job, and no credit cards.
Product: Payday loan, title loan, personal loan, or advance loan

I paid this company far more than what I was expected. The employee told me that I would owe ( 9 ) payments of {$250.00} which equals {$2200.00}. I ended up paying this company close to {$4000.00} on {$1100.00} loan. The lady whom calculated my loan failed to take my payment using my new debit card and now shes penalizing me for her actions. This place is a total rip off. 

The place in question is called EZ Cash of XXXX. The address is XXXX XXXX XXXX. XXXX, Delaware. This place needs its doors shut because they prey on undeserving people and its not fair.