23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

ordered product on XX/XX/24 from XXXX, item shipped was returned to the merchant as undeliverable, merchant refused to reship the item purchased and refused to cancel the order, dispute filed with credit card company, merchant rejected the dispute and the credit card company said I was responsible for the charge and item that I never received, XXXX acknowledges receipt of the product being returned to them, merchant still refuses to reship product that I ordered and refuses the refund me, credit card company is ignoring my dispute and closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent correspondence to Experian requesting a proper investigation, in accordance with the FCRA, in to multiple accounts on my consumer report. By XX/XX/XXXX, I still had not received an update from Experian as to the status or of the investigation. 
Eventually, via online portal, the " results '' came back as " Verified '' with no additional information provided to me, the consumer, as required by law. The only way for Experian to correct its shortcomings and be in compliance with federal law, is for them to delete the accounts in question. They no longer have the leniency of simply changing the status of these accounts to reflect " disputed ''. 

At this point, in order for Experian to be in compliance with the FCRA, these accounts are required to be deleted. They have not been. With this evidence, I consider Experian to be in direct willful and knowing non compliance of the Fair Credit Reporting Act and they are liable for damages, pursuant to 15 USC 1681n.

Even so, I gave Experian TWO more chances to correct this mistake. First, I sent a follow up letter reminding them of how they had failed to provide investigative information with me as required by law. No response. Most recently, I delivered correspondence to them on XX/XX/XXXX, explaining the laws they are in violation of and demanding the removal of said accounts. Experian has assumed a vital role in credit reporting and has a grave responsibly to furnish consumer reports in a fair and accurate and impartial way- Congress states. They are failing to uphold their grave responsibilities. Congress also states, Experian 's actions directly impair the efficiency of the banking system and undermine the public confidence which is essential to the continued functioning of the banking system. 

I just spent an hour on the phone with multiple Experian representatives and unfortunately they are trained in protocol and procedures, not law, and are not helpful in any way. 

This complaint is my final attempt before I am forced to file a law suit against Experian for damages and stress and willful and knowing non compliance with the Fair Credit Reporting Act.
Product: Vehicle loan or lease

On XX/XX/XXXX my XXXX XXXX XXXX leased vehicle was involved in a deer vs. auto accident. It has been 168 days and the parts to repair the vehicle are still not available, with no estimation of when they will be. I have contacted General Motors and receive weekly emails stating " we are still experiencing a delay on the parts needed to repair your XXXX XXXX XXXX. '' I have continued to make my insurance and lease payments throughout this process, along with paying an additional {$1100.00} per month for a rental car.
Product: Debt collection

Was not informed of debt. Asked to send communication and update address. No communication was sent and no address was updated. Debt was incurring late fees making the company unwilling to peovide information to get settled. 

No letters were sent. No phone calls were made to me. 

Company refused to provide documentation or waive late fees or provide proof of debt. Was told I could not dispute the late fees or charges. Provided no resolution in XXXX and continued to Collect late fees and still sent no communication for 1 months. 

Resolved in XXXX and paid in full to stop impacting my credit. 

Offered zero assistance to clarify debt or dispute the charges. The company did not do their due diligence to contact me or to provide documentation. 



Name XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

I fell behind my mortgage loan payments. I have been seeking assistance to get back in place and have been given the run around. I ended up hiring an Attorney to help me get back in place and was NOT successful! The Attorney I hired was being given the run around just like me, nothing changed. The Attorney would call Wachovia, then Wells Fargo attempting to modify my loan, or to be given an alternative to avoid foreclosure, but that NEVER happened. I would call the Attorney day in day out and at first all of my calls would be answered and all of my questions would be addressed. However after years the Attorney stopped answering my calls so often, would not return my calls, and at the end the Attorney no longer answered my call what so ever. The Attorney disappeared and the monthly fees, and all the money I paid him disappeared right along with him. I have not been able to get my money back, the bank cut out a check to this Attorney and the bank is not wanting to talk to me, nor work with me to help me stay in our home. I am simply asking for an opportunity at a fair review. Instead I get run around, lied to, taken advantage of.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Account # XXXX Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax XXXX The account in question is managed by XXXX XXXX ( Account # XXXX ). I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are incorrect. I have consistently made my payments on time, as my records show I have been enrolled in autopay for this account since its inception. 
XXXX : Reports late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : Reports late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
Equifax : Reports late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
Discrepancies Across Bureaus : Date Opened : Discrepancies between XXXX ( XX/XX/XXXX ) and XXXX XXXX XX/XX/XXXX ). 
Payment Status : Differing statuses for the same period. XXXX 's report of " Late 180 Days '' conflicts with XXXX and Equifax 's " Late 120 Days. '' Last Reported Date : XXXX and XXXX show XX/XX/XXXX, while Equifax lists XX/XX/XXXX. 
Date Last Active : Significant inconsistency between bureaus, with XXXX showing XX/XX/XXXX, XXXX showing XX/XX/XXXX, and Equifax showing XX/XX/XXXX. 
Date of Last Payment : XXXX and XXXX list XX/XX/XXXX, while Equifax lists XX/XX/XXXX. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : Sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 require credit reporting agencies and furnishers to ensure accurate information. These inconsistencies represent a clear violation.

Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit terms and payment information, which has not been upheld here.

Requested Resolution : I kindly request that Equifax conduct a thorough investigation into this matter and : Remove the inaccurate late payments from my credit report. 
Correct the discrepancies in dates and payment history. 
Update the payment history to reflect my consistent on-time payments. 
I expect to receive written documentation confirming the removal of these 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.

Attachments : Payment records demonstrating on-time payments.

Screenshot of current credit report entries highlighting discrepancies ( attached for reference ).

Supporting documents related to autopay enrollment.

Thank you for your prompt attention to this matter. I look forward to a resolution soon. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The company is reporting that I have an outstanding balance amount with a previous landlord/property. This information is inaccurate. I dont owe the property any money. My balance should be {$0.00}. According to FRCA section 605B it is illegal to report information on my credit report without my permissionn please remove this off my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX customer with XXXX. I ordered a replacement tv box in XXXX of 2022. In the box with the replacement tv box was a cell phone. I called XXXX and they told me I couldn't return the phone to them because it had been more than 10 days ( was about XXXX weeks later that I called ). I told them the box had just been opened by XXXX and I had no idea a cell phone would be inside. I never ordered a cell phone! In fact, I told the rep who pitched a cell phone that I was locked into XXXX for 2 years, I don't even have XXXX cell service. 

I was then put in touch with the fraud dept but never got an XXXX number as requested. I also never heard back from them. I called back a couple months later and went through another hour+ on the phone and spoke to a fraud agent who said I would get a XXXX number and they would not report to my credit! A couple months and nothing! 

I also tried bringing the phone. still in the box, to the local XXXX store but they wouldn't take it back. Which I found strange because their website listed store dropoff as one of the ways to return items. 

I had multiple chats with the chat line at XXXX  to no avail. I eventually gave up and told the chat person to please lmk how to get the phone back to them. I couldn't go on wasting hours trying to resolve their mistake. 

Next thing I get a collection notice and a {$270.00} collection is reported to my credit. My credit score dropped from XXXX to XXXX! I'm PEEVED! I had just returned from house shopping in XXXX. Now I can't make an offer on any houses I was looking at!! 

Apparently this scam is prevalent at XXXX because multiple people are complaining of it on the XXXX chat forum. I assume an employee is making commissions on these bogus cell phone sales?!? But possible someone at XXXX just mixed my info with someone who actually wanted a cell phone. I pointed out to the fraud dept that the credit card info showing on this new cell phone bill under my XXXX account wasn't my credit card! 

PLEASE help, documentation included.
Product: Credit reporting or other personal consumer reports

This account has been reporting on my account since XXXX of XXXX after multiple attempts to fix with equifax now they have doubled it and now show it twice on my account per laws this account is no longer to show on my credit report as of XXXX of XXXX XXXX and XXXX have followed the rules and deleted the account. 


Please remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not allow me to disputer online disputes and failed to provide me with a credit report.
Product: Credit card

Yes these XXXX charges are still on my account! and you guys tried to have an employee who trying to reach out to me but i have tried to called the person like 10 times and he never pick up! so how can i get any help regarding these fraud transaction that is still on my credit card?? 

the person who email me was XXXX, XXXX XXXX ) XX/XX/2024 XXXX XXXX XXXX  XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX XXXX VA XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/2024 XXXX XXXX XXXX VA XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX VA
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I was new to the country, I was so happy that I got my paper and I could finally be able to work. I didn't know that they could scam you with checks and job offers. I was just happy to be able to help my family. I became the victim of. a scammer, they offered me a job, they sent me a form to fill in, which I clicked and they also hacked my email and computer and took all my information. My " employer '' gave me fake checks and made me do errands for him, all of them were gift cards. I realized a few days later that everything was a lie, when my bank account was overdraft and the money wasn't back, the lady from the bank told me how everything works and I found out I have been scammed, crying and desperate to get back the money, the scammer went away and I took all the evidence to the police, emails, texts, forms and phone numbers. 
I haven't been able since to open a bank account with my husband and it's extremely frustrating. It wasn't my fault, I didn't take the money, it was somebody that was preying on my goodwill to work and make a living. 
Not only that, I haven't been able to have a credit card or debit card because of that, now I'm trying to open a business with my husband and this could also be harmful to me and my family 's well being. 
It has been years and years, I asked a few times that this information is removed from my report, since I was a victim. I'm still a victim. I sent the police report and emails and everything in my power to prove my innocence and to make clear that I want to be free of that harmful information.

15 USC 1681 ( b ) protects me from this fraudulent, harmful and discriminative issues. 
I have been harmed, discriminated and it's hurting me and my family. 

I'm asking that all the information regarding fraudulent activity is removed, the late payments that were occurred because of it and all the information that is preventing me from living a normal life, since the company is in clear violation of 15 USC 1681 ( b ).
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Inaccurate TransUnion Charge Off XXXX - Account # : XXXX - Balance : {$780.00} XXXX XXXX Account # : XXXX - Balance : {$0.00} XXXX XXXX Account # : XXXX - Balance : {$0.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information completely from my file. The accounts I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these accounts as soon as possible : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

I believe OCWEN Loan Servicing , LLC has committed robo-signing and mortgage document fabrication. In XX/XX/XXXX, I asked OCWEN a simple question " If I sell my house today, how much is the payoff amount ''. OCWEN told me a higher amount and that is when I became suspicious. 
I started to check over my documents and XXXX Office of City Register filed documents. I noticed there has been no assignor since XX/XX/XXXX after INDY MAC bank went bankrupted following the mortgage crisis in XX/XX/XXXX. It looked to me that no one owned the mortgage note and it was n't assigned to anyone. I told OCWEN that the mortgage was n't assigned to anyone and I asked them who is the owner of the mortgage note. XXXX told me that XXXX XXXX owned the mortgage note but when I called XXXX XXXX they told me they are not the owner or not affiliated with OCWEN in any way. So XX/XX/XXXX, OCWEN decided to file an Assignment of Mortgage which I believed is fraudulent. OCWEN, " XXXX '', XXXX XXXX XXXX, XXXX XXXX XXXX all share the same address. " MERS '' assistant secretary XXXX XXXX, who created the Assignment of Mortgage, does she exist. What is going on here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies XXXX XXXX, and TransUnion in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ). This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX XXXX XXXX before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.
Product: Checking or savings account

I originally tried to open a Sofi Money account in XXXX using my sister 's referral. The application would not process because I had started an application over a year ago with a different email and that email had to be used. I spent several weeks figuring this out with customer service and getting access to my old account that had been set up with my previous application. Then I applied again with their new {$120.00} offer and the application wouldn't let me upload my Driver 's Licence. I eventually got this to work, but was declined because the info on my driver 's Licence didn't match. I got this figured out with customer service that my old profile had the wrong info. I finally got my application submitted the deadline of the {$120.00} promotion, but my account said it was setting up and I was unable to transfer money in to meet the qualifications of the bonus. The customer service rep I talked to said not to worry and to get the money transferred in as soon as I could. Fast forward to XX/XX/XXXX, and customer service refused to give me the {$120.00} bonus because I did not meet the deadline, although the previous said it was ok. I asked if I could possibly get the referral bonus that I had applied through so long ago, and they said that deadline for that had passed as well, and I'd get nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint today in response to the recent investigation conducted by the Credit Bureaus that took place on my credit record. I do appreciate the time the Credit Bureaus take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask that the Credit Bureaus to provide me documentation regarding the precision of the items in question. I need the Credit Bureuas to please conduct another investigation into the accounts below. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Reporting Agencies will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 

XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

On XX/XX/2022 I initiated a transfer from WebsterBank to my XXXXXXXX XXXX for XXXX XXXX and the mines to be deposited on XX/XX/2022. WebsterBank stated I need to verify the account which I did. On XX/XX/2022 I received an email from WebsterBank that my transfer had been stopped due to needing further verification. The amount of the transfer was XXXX. I needed to send in my most recent bank statement from XXXX and my drivers license. I sent in the following information on XX/XX/2022 at XXXX pm. On XX/XX/2022 I called WebsterBank once again to find out the status of the transfer and was told my drivers license was not sufficient. While the agent was on the phone I sent yet another picture of my drivers license in an email. The agent, XXXX, states she has received the information and will forward it to the back office. What exactly is the back office? All I know is that WebsterBamk has my money and will not send to my other savings account. This is unacceptable.