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

I made a purchase at a XXXX XXXX store for a new sofa, chair and ottoman. I was told the sofa was in stock on the date of my purchase ( XX/XX/2018 ) and that I would be charged for the sofa as it was not considered a special order. I proceeded with the purchase and scheduled the delivery of the merchandise for XX/XX/2018. I received a call on XX/XX/2018 letting me know they had made an error and the merchandise was not actually available or in stock and there would be a 60 day delay. I asked for a refund as I had already been charged and paid off my account balance and was told that this would be processed. On XX/XX/2018 XXXX XXXX refunded the amount of {$2700.00} and again on XX/XX/2018 XXXX XXXX refunded the same amount in error. On XX/XX/2018 they caught their error and reversed the charge and it showed on my account as an Ecommercecallcenter charge as I had called to ask about the refund that I had not received. On XX/XX/2018 XXXX XXXX charged me for the remaining items in the order ( chair and ottoman ) in the amount of {$1900.00} and proceeded to charge me again for the sofa onXX/XX/2018 in the amount of {$2700.00} and also charged my account for a provisional credit reversal of {$2700.00} which made my outstanding balance as of XX/XX/2018 {$7500.00}. I immediately called them again and was told that they would correct this to reflect the credits for all of this and was only provided an adjustment for {$1900.00} on XX/XX/2018 and {$2700.00} on XX/XX/2018. I again called concerning the {$2700.00} that I had been charged for and had paid in full and was told that they would start a dispute resolution to rectify the situation on XX/XX/2018. I received an email on XX/XX/XXXX indicating that they were still researching the overcharge and I again requested the refund of the amount I had of {$2700.00} for merchandise that I never received. I requested and received another message on XX/XX/XXXX indicating the account was still in dispute and to expect a message within 30 days. On XX/XX/2018 I received an email from XXXX XXXX ( the credit company for XXXX XXXX ) indicating that XXXX XXXX determined that I had no funds due back to me. I again sent in the supporting account summary, XXXX spreadsheet of the charges and credits on my account and was told that they would research it further. I have filed for status on XX/XX/2018 and supplied the same supporting information and documentation on XX/XX/2018 and received the generic response back on XX/XX/2018 that they would research this and respond within 30 days. I have spent hours of my time on the phone and emailing with XXXX and XXXX XXXX and have even reached out to the parent company XXXX XXXX trying to resolve this matter with no luck or progress made. I do not know what to do next as their company has had my money since the beginning of XXXX when I paid the account in full for something I never received but was charged for. Please let me know what steps and rights that I have to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my credit card that I opened up in XX/XX/XXXX 2022. However, I sent a re-investigation request for this account on XX/XX/XXXX2022 through certified mail. XXXX  XXXX is the account name and the account number is XXXX. I have both credit reports from XX/XX/XXXX2022 to XX/XX/XXXX2022 that I have printed. I know, by law, consumer reporting agencies must correct or delete any inaccurate, incomplete or unverifiable information within 30 days. 
I recently got my credit report ( XX/XX/XXXX 2022 ), which is past 30 days now, and it still shows many inaccuracies and violations. A few being " high credit '' showing different numbers for XXXX, XXXX, and Experian. Which is not XXXX XXXX accurate in that case. Another thing for example is the " payment history '' across the XXXX bureaus aren't showing the same. I pay my credit card in full by due date every month since I've had it, but Experian and XXXX are missing the report for XXXX and XX/XX/XXXX2022. And then XXXX is missing my XXXX 2022 payment on history. Last example is " payment status '' across all XXXX bureaus look different in that regard. 

Again I'm requesting monetary relief per violation on this account and deletion of what's inaccurate. Update what's necessary also please. 
U.S. code 1681n ( a ) ( 1 ) ( A ) Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( experian )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with all 3 credit bureaus and XXXX XXXX. I have submitted a dispute on XX/XX/23, XX/XX/23 and XX/XX/23. I've talked to representatives with Experian how relying on XXXX XXXX  to verify if correct isn't a thorough investigation because they will simply just say they're reporting correctly when they are not. I have been denied school loans and a credit card simply for the reason of having a charge off status. I've never have had that status and my trended credit shows that is strange. I closed the account with XXXX XXXX  and settled with a debt collector. I've paid the debt collector on time as agreed and will finish settlement being paid off completely in XXXX. XXXX XXXX  keeps reporting I owe them money when it has been closed and through XXXX XXXX XXXX. The frustration that they're reporting is mainly the charge off status. Even as they report " I'm paying them each month '' they're reporting the payments I pay XXXX XXXX XXXX as if I'm paying them and I have no relations with XXXX XXXX  since I have closed. I've spoken with XXXX XXXX... which is a whole other complaint with that company ... and they refused to give me information on my old account at first, then when they finally gave me information they say they will not change the charge off status regardless if it switched to XXXX. I can not get school loans and if this stays on this will stay for 7+years and effect my whole financial life. Experian will not understand that I don't have an account with XXXX XXXX  or owe them money anymore because they just ask XXXX XXXX  if they're reporting correctly regardless of me giving my account info and receipts I have with XXXX. I don't have the exact information of all calls made to XXXX XXXX, Experian and XXXX  at the moment but can get the information if needed. I have settled a new agreement with XXXX  twice and will submit the latest agreement made to prove I have the previous XXXX XXXX  account that I closed through XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of inaccurate and incomplete information on my credit report, as you have failed to properly update or remove the disputed information as required under the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to resolve this issue Despite these requirements, Experian has failed to address this matter adequately. At this point, your repeated inaction not only undermines my confidence in the credit reporting system but also continues to negatively impact my financial standing and opportunities.

Experian is in a unique position of trust and responsibility. Consumers like me rely on your organization to maintain the integrity and accuracy of the information you report. When that trust is broken, the harm is not just financialits deeply personal. I should not have to beg for fairness and accuracy in handling my own data.

This situation is not complicated : the information I have disputed is unverifiable, incomplete, and inaccurate. Doing the right thing means ensuring that such information is removed from my credit report. The law supports this action, but more importantly, it is simply the ethical thing to do.

Given that Experian has not taken the necessary steps to verify or correct the disputed information, I am now demanding the deletions of all referenced accounts immediately. This is not only my right under the FCRA, but also your obligation as a credit reporting agency to ensure the accuracy and fairness of the information you maintain.

Failure to Comply with FCRA Obligations Under 15 U.S.C. 1681i ( a ), you are required to conduct a proper reinvestigations of disputed information within 30 days and either verify, correct, or delete information that is inaccurate, incomplete, or unverifiable. Experian has failed to meet these obligations, leaving me no choice but to escalate this matter.

Demand for Resolution I am demanding the immediate deletion of the disputed accounts from my credit report. If Experian does not comply with this request, I will be forced to pursue legal action in state or federal court and escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) as a separate complaint.

Please understand that this is not a request for further investigation or reviewI have already given Experian XXXX  opportunity to resolve this matter properly. This is a final demand for action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX sent my pay off in late 35 days to XXXX XXXX XXXX
Product: Debt collection

I paid what I thought was a final phone bill to XXXX on XX/XX/2019. 

I received no notice or anything of the sort to that would lead me to believe my dealings with XXXX were anything but finished. Fast forward to XX/XX/XXXX and I get a phone call from Allied Collection Services Inc, saying I have a old phone bill from XXXX that went to collections. I called up XXXX to see if this is true but they can't prove why I would owe that when I was already with another carrier as of XX/XX/2019 with a finished ported phone number to the new carrier as of XX/XX/2019 and why they claimed the billing was for services from them on XX/XX/2019 - XX/XX/2019 so they just pushed me to the collection agency. 

Its XX/XX/2019 already a week after I was first contacted by allied collection services inc and despite my repeated attempts to get any sort of debt validation letter or even just any sort of letter in general from them to have some sort of paper record they either are refusing or willfully ignoring me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently retrieved my XXXX XXXX Credit profile and I noticed that there has a been some mistakes. There are two inquiries that I do not authorize and was not present on my credit report last year in XX/XX/2017.
Product: Consumer Loan

The enclosed document explains all, I am going after QUALITY ACCEPTANCE for extreme illegal behavior, embezzlement, unfair credit reporting, harassment, making false legal threats to intimadate, reporting false amount on credit report,, unfair business practice and then some, this letter enclosed will go lawyers, media, ATTORNEY GENERAL, and I hope they investigate person at QUALITY been handling this, they might be the thieves.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  The company received a certified letter stating that did not do a reasonable investigation on a company that is on my credit report. After the letter was received I began getting alerts that the credit bureau opened yet another investigation. My letter CLEARLY STATES this is not a dispute letter, this is a law violation. I reached out to the credit bureaus and their customer service agents stated they dont read the letters. I asked to be transferred to supervisors/ligations and was told I would receive a call back. That was 5 days ago.
Product: Debt collection

The complaint I have is about Kahrs Law Offices P.A. located in XXXX, Ks. They were handling the debt that my wife owed to a payday loan company. We were served by a sheriff and given paperwork for a court date but could pay the amount of XXXX before then and not go to court. I continuously tried to contact the office to pay off the debt and left all the information that they stated on their answering machine to have them call me back. No one ever answers the phone or bothers to call me back. The day of court my wife could not make it and still no one had called me back. Their office opened at XXXX XXXX so i tried as soon as they opened to contact them. It was at this time that a the woman who 's office it was finally answered the phone, i stated that it was my wife 's account and all I wanted to do was pay the debt of {$600.00} to pay it off. She then told me she could not talk to me, because i was not on the account. I told her my wife was at work and being that she works for a XXXX XXXX it would be hard for her to get time to call her to pay it or put me on the account, and that the time for us to be in court was at XXXX XXXX so i just wanted to pay it to insure that we did not accumulate any other fees. She again informed that she could not talk to me because i was not on the account. So after getting off the phone with her I tried to get ahold of my wife at work and to try and have her give the lady a call for fix it. By that time it was a little past XXXX XXXX when my wife finally got the chance to call her. My wife did not have a lot of time so she put me on the account so i could pay it. When i called back to pay the debt that lady informed me that since it was now after XXXX XXXX that we would now owe them XXXX XXXX dollars. So i paid the XXXX dollars while one the phone with them. After about a month we received paperwork saying my wife 's check would be garnished for the remainder. As check after check was garnished i immediately noticing that more than 400 dollars had been garnished. So I called back to Kahrs Law Offices to see what had happened. After yet again continuously calling getting nothing but answering machines, i finally got ahold of someone. I was then told by this lady that the amount that we owed after missing court was not XXXX XXXX dollars in fact it was XXXX. I asked her why the other lady told me it was XXXX XXXX and she was rude and said I could not tell you why the other lady told you that you only owed XXXX XXXX dollars.
Product: Credit reporting or other personal consumer reports

Disputed late payment information reporting on my consumer report several times and no changes were made. In XXXX, XXXX, and XXXX I sent letters concerning the late payments. Nothings changed. XXXX and XXXX and I'm not sure if Experian is reporting it also, late payments for XXXX XXXX # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX  ending in XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX late payments XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. XXXX ending in XXXX, late payment for XX/XX/XXXX. 
According to USC 1681S 2 RESPONSIBILITIES OF FURNISHER ( A ) ( 1 ) ( f ) Reporting information during XXXXXXXX XXXX post national emergency covered period in which 120 days after declared over, it was over in XX/XX/XXXX. In which an accommodation clause allows to defer, forebear, modify, partially pay or get other assistance/relief.
Product: Student loan

I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to UNISA as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms. I have emailed and mailed in the teacher cancellation forms but the company has yet to verify or even return any of my phone calls or emails regarding the cancellations forms.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act 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 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2, they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Yes my computer was hack and some private information was stolen as well as I was black mailed into transferring money. I am embarrass about it but here all the information i can provide. It was on Western union Pick up code for the item is XXXX XXXX XXXX XXXX Name : XXXX First name : XXXX Country : XXXX XXXX Postal code : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 different collection accounts reporting to my Equifax consumer report from the collection agency XXXX XXXX XXXX. I have disputed all 3 accounts with Equifax and in return they were deemed Verified and Accurate which is false. I am currently in violation of my rights because XXXX XXXX XXXX is currently UNLICENSED in the State of Florida to operate as a collection agency and I am Resident of Florida. I verified this information by first visiting website https : //flofr.gov/sitePages/verifyalicense.htm where i found that the company is registered in that State of Georgia. I then went to website XXXX XXXX XXXX  to see what states they were registered as a collection agency in and they are NOT REGISTERED/UNLICENSED as a collection agency in the State of Florida. I have attached the screenshots of the webpages with the licensing information that was listed on sites.

The FCCPA, requires all debt collectors to be registered with the State of Florida. Florida Statute 559.553 states 559.553Registration of consumer collection agencies required ; exemptions. ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. ( 2 ) Each consumer collection agency doing business in this state shall register with the office and renew such registration annually as set forth in s. 559.555 Referenced from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached my drivers license photo as well to show Florida residency. 

Per Florida Statute XXXX XXXX XXXX is not allowed to collect any debts in the state of Florida and is illegally reporting these 3 accounts to my Equifax Consumer Report.

I have also attached my drivers license/id card and utility bill as proof of residency.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial reported my account 30 days late to XXXX XXXX XXXX for the month of XXXX 2017. The payment was due XX/XX/17 and was paid by me on XX/XX/17, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
BMW Financial has been nothing but a problem to me and my family. I was hit by a vehicle in XXXX 2017 and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries on my account i did not made. 
US SM BUS ADMIN ODA XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Equifax Information Services LLC. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The high balance, last verified, date reported, date of last activity, date opened, closed date, and date of last payment is NOT 100 % accurate. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify 100 % or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.