23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Thursday, XX/XX/2018, I received a phone call from XXXX XXXX at Williams & Fudge Inc. Williams & Fudge is located at XXXX. XXXX XXXX XXXX XXXX, SC XXXX. 

As of XX/XX/2018, the balance owed was XXXX ( an e-mail message has been attached to show the information regarding this and for contact information ). 

When XXXX calls me, her phone number is displayed as XXXX, however, her direct line is XXXX. 

She was calling me in regard to a private student loan that had been sent to Williams & Fudge to collect on. We had spoken before ( an e-mail message from our first conversation on XX/XX/2018, is attached with her contact information ) and I explained that, due to my current financial situation, I was unable to make larger payments and could only afford to make payments of {$50.00}. Which she made note of and expressed that at least it is an effort to show you are willing to make payments toward bringing the balance down. 

On XX/XX/2018, when she called me, she failed to notify me of the proper disclosures, mainly if the call was being recorded or not. 

As the call continued, she then began to ask me if I had spoken to anyone about receiving any sort of help. I explained that I do not have anyone who can help me financially and unfortunately this was all I was able to do for the moment. She then asked, " What about the house you're living in? It's valued at XXXX XXXX XXXX  XXXX dollars. '' I explained to her that the house I live in belongs to my parents, it is not mine, that is their mortgage and they have a number of their own financial issues. 

I have no legal right to the house I live in. I am not on any agreement, mortgage, deed, etc. and I should not have been told the value of that domicile. She and Williams & Fudge made a direct effort to find the value of my parent 's home and not inform me, or them, that that was taking place.

After her telling me about the value of a home I do not own, we talked more about the account. During the discussion, I felt as thought she was pressuring me to make a decision and to find someone or someway to get the money. She stated at one point that she could guarantee that if I settled the account, they would accept me being responsible for only half of the amount owed. She then made a comment in reference to my payments that would arise from the settlement and being around {$50.00}.

However, at the end of the call, she stated that I would need to start finding a way to resolve this and making larger payments 'for my sake. ' She repeated this phrase several times to me. While not directly threatening me using specific verbiage, it felt and carried all aspects of a threat.
Product: Credit reporting or other personal consumer reports

The company provided the XXXX false information claiming they needed to verify my identity. I mailed them a certificated letter requesting them to immediately delete outdated information, misspelling of my legal name, and removing of some hard inquires I did not authorize. 

In the same certificate letters, I demand NO credit freeze or fraud alert on my report. 

The certificated # 's are XXXX, XXXX and XXXX. In each of these mailing, I supplied a copy of my driver license and social security card. ( I did not upload here ) So quite frankly, I sick and tired of these stalling games by these credit agencies. 

I want these illegal items remove ASAP!
Product: Credit card

i have had a Target Red credit card since XX/XX/XXXX. They refused to take my payment on XX/XX/XXXX at XXXX when payment was due by XX/XX/XXXX. I called the moment I remembered and as always intended to pay in full. I always pay any amounts due in full. citing they have made a late payment exception for twice in 12 months, they could not take this payment and remove late fees of {$25.00}, interest and the negative reporting to the credit bureaus. This is stupid. THREE times on XX/XX/XXXX and XX/XX/XXXX I asked for a supervisor and was refused. I was placed on long holds and told a supervisor would call me back within 24-48 hours. You 're telling me that inside of this MASSIVE organization, there is not one supervisor available to talk to me? XXXX I want the late reporting, fees and interest removed. I only have a {$200.00} credit limit with them anyway. It 's not like this is a big limit card. the amount due on XX/XX/XXXX was {$90.00}. XX/XX/XXXX phone calls only infuriated me further. One tried to strong arm me into paying over the phone and not even listen to what i had to say. What sort of shim/sham operation is this anyway?
Product: Mortgage

S.P.S for 3 years I have been trying to get A Modification Approval In All of it on XX/XX/2019I Received Contract was informed to send all papers Back. One week later I was told to send first Morgage Payment with the Agreement I wired my first Morgage 15 days early one week later it was put back in my bank account then one week later they said they had found the mistake.

They advised me to wire the money Again .One week later A Sheriff put a letter on my door that my house was in foreclosure. I have A XXXX year old Mother that I care for PLESE I NEED Someones Help
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries listed on my credit file that was observed by me were not authorized/ consented and are fraudulent. Below are the listed Hard Inquiries that are on my Equifax credit report. I am requesting for deletion of these fraudulent unauthorized inquiries. 

Equifax XXXX XX/XX/2021 XXXX XXXX- XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX unauthorized hard inquiry showed on my XXXX credit report, plus an employer and a phone number XXXX dont recognize. After contacting all three companies showing on my report, we concluded that XXXX XXXX had submitted the hard inquiry with other XXXX lenders. I contacted XXXX XXXX and they did not find an application under my name. After looking into it they realized that they had miss used my social security for another person who supposed name is XXXX XXXX. They answer was it was a system error on our side ''. 
I provided copy of my report with the wrong information and unauthorized inquiries and they said they would work on investigating and removing but that it might take up to 6 months. 
The other XXXX unauthorized inquiries are for lenders : XXXX XXXX and Flagship Credit Acceptance. The employer added is called : XXXX XXXX and the phone number XXXX. Non of this information belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and FTC reports for fraudulent accounts on my credit. These accounts have not been removed. 

Transunion - XXXX {$530.00} XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX  {$2300.00} XXXX XXXX {$340.00} XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX  {$2300.00} XXXX {$530.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within the creditors standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX XXXX : Upon reviewing my account, I identified that my payments, which were made on time, were incorrectly processed as late due to a system error on the creditors part. This error led to the account being reported as delinquent without proper cause. 
Evidence Provided : I have attached my bank statements and payment confirmation emails showing that the payment was processed, clearly demonstrating that no 30-day late payment should have been reported. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Wells Fargo Auto Loan services has incorrectly reported a late payment for XXXX of 2021. My vehicle and its loan was sold to the XXXX dealership as a trade in for another vehicle at the end of XXXX. The dealership paid off the loan balance in full then in XXXX I received a overpayment refund check from Wells Fargo. The report statement is inaccurate. I have visited a branch manager who confirmed that the report is inaccurate, as well as submitted 3 disputes through both XXXX and Wells Fargo 's internal dispute center each time with more information, yet the decision has remained the same. This needs to be removed as it is illegal to report inaccurate information on my credit report.
Product: Consumer Loan

I purchased a vehicle from XXXX XXXX XXXX in XXXX AL XX/XX/XXXX. I financed the vehicle with Chrysler Capital. I later joined the XXXX. XX/XX/XXXX and requested that the interest rate be reduced under XXXX XXXX App XXXX. They agreed to reduce the interest rate but no longer reported my payments on my credit report. In fact the purchase did not show up at all. When I tried to trade in the XXXX Jeep Wrangler I learned that I had no credit history. No one would accept my trade because there was no record of my having purchased the vehicle and made payments for over a year. Under section 518 of the SCRA a creditor may not take negative action based solely upon my use of my benefits under the SCRA. The act of not reporting my credit is almost if not as harmful as reporting negative credit as it means that I have no credit history. This is a penalty imposed on me by Chrysler Capital.
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX, currently working onboard cruise ship XXXX XXXX under the company XXXX XXXX. 
I did a international money transfer from an online app WORLDREMIT to my bank in the XXXX. However there was an error during the process and the money was not deposited to my bank in the XXXX, but they already deducted the money from my XXXX Account ( XXXX company Issued account for my payroll ). 
Now, I tried all the options from the app in order to fix the issue but the problem is they don't have any response, even a single email so that I have an update of what's happening to my money. It's a very small amount only {$100.00} but for me already big amount that I needed to send home. My last move that I did is to cancel the transaction and to return my money, but still they have no reply. I did the transaction last XXXX XX/XX/2022, today already XXXX XXXX I still have no update. 
The transaction number is : Confirmation Code XXXX I hope somebody can help me with this problem. 

Thank you in advance for your assistance. 

Truly XXXX, XXXX XXXX
Product: Credit reporting

Equifax is not allowing me to see my credit file and my credit score because they put my credit file in the consumer affairs department.
Product: Credit card

I received a notification about potential fraud with my card, along with a notice that my card use was restricted if I did not act immediately, My options were to confirm the transaction or report it as fraud. The name of the merchant was listed as XXXX XXXX XXXX XXXX XXXX XXXX. Given I live in Illinois and do not own a XXXX, I markd the charge as fraud. Almost instantly, I received a notice from XXXX ( XXXX ) saying my charge had been declined. 

It turns out, that Apple/Goldman Sachs reported the wrong merchant. While the problem with XXXX ( XXXX ) was resolved quickly, Apple and Goldman Sachs invalidated my card number used for about 90 % of all transactions. When I contacted custoer service, they stated they could not solve the problem AND stated that it was because the merchant name on a website or store did not have to match what was on the statement. This excuse did not address the true problem that I had acted on false information they sent me. 

The problem is that I now have to track down dozens of accounts ( including insurance policies, automated payemnts, subscriptions, and so on. The amount of time and effort needed to cure this is tremendous, and may well result in late fees, reinstatment fees, or cancellations unless I go through 14 months of statements to try to figure out every singl place I used the card.

None of this would have happened if Apple and Goldman Sachs had not misidentified the merchant. They offered ZERO help and ZERO  compensation for their obvious error. To add insult to injury, they disconnected the chat before I could finish explaining the situation.
Product: Credit reporting or other personal consumer reports

The issues I have is with udrive now acceptance. I had a car loan with them that was paid off in XXXX of 2023. On my report they never changed the status to closed. I disputed it for incorrect status. Now the account is removed from my credit history all together taking my score down XXXX points. When it shouldve just been corrected to as closed. And not showing open with a balance of {$310.00} dollars like they had it.
Product: Checking or savings account

At the end of XXXX of XX/XX/XXXX, I purchased dance shoes on XXXX for my daughter, 3 times total due to the sizing. The first two pairs were returned, we kept the 3rd pair. I received a refund for one of those in my bank account but the other refund that XXXX did process never reached my bank account. I reached out to XXXX towards the end of XXXX to report the issue. I spoke with XXXX on several occasions and they stated the refund was sent to my bank account when they sent me a confirmation email stating the refund had been processed. They stated it is now out of their hands and up to Bank of America to locate the refund. I provided Bank of America with the transaction ID that XXXX stated usually helps them locate the refund in situations like these and I also forwarded Bank of America all of the emails from XXXX showing that they did process the refund. I even called XXXX with a BOA supervisor on the phone and he was able to hear XXXX state that they did process the refund. However, whenever BOA calls XXXX on their own, BOA reports back to me that XXXX states the item was never returned which is bizarre because I have proof that it was, proof that XXXX sent the refund and XXXX has never stated such a thing to me, ever. I escalated the issue to the XXXX  around XX/XX/XXXX. They were able to get XXXX XXXX from the Regulatory Complaints Department to reach out to me. She called me on XX/XX/XXXX @ XXXX. However, she called on my birthday and I completely missed her call. I called her back immediately the next day, left a voicemail and called a few other times and did the same during the month of XX/XX/XXXX. XXXX never once returned my call. I even had the XXXX  reps I was working with reach back out to XXXX to return my call and she still did not. Instead, she just closed my case once the XXXX  started reaching out to her. I had requested that BOA and myself conference in XXXX like I did in XXXX so this could be resolved but this request fell on death ears and I just kept receiving the same response that I didn't return the item. The XXXX  closed my case in XX/XX/XXXX, stating the issue had been resolved in the customer 's favor which was not true at all.
Product: Credit reporting or other personal consumer reports

I recently found out I was a victim of the XXXX Data Breach and my personal information was compromised leading to improper use of my credit report
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX Purchase over the internet {$490.00} XXXX XXXX   XXXX XXXX XXXX XXXX. This was order on XX/XX/XXXX XXXX on American Express Card for total {$510.00}. Not unitl XX/XX/XXXX I received a mold of my teeth and storage box with a plastic guard /flipper. I contact the company XXXX XXXX XXXX told them to refund {$510.00} to my American Express as I had order a Dental Veneer. I was then told in an email - Hi XXXX, My technician has indicated that due to the positioning of your teeth, a Veneer wasn't the optimal product to address your needs. Only a Flexible Partial Denture was. 

I already own a partial, that's not what I order I explain and until this date XXXX XXXX XXXX XXXX   has refuse to refund the amount - XXXX is slandering my name I am causing a case of fraud. The email state they could not offer the product I requested. I ask if I need to return the mouth piece- I was then pitch to purchase a flexi partial denture, Which AGAIN I DO NOT WANT- JUST REFUND THE MONEY IF XXXX  CAN NOT PRODUCE the Merchandise I order. I'm not the simple Fraud - XXXX XXXX is the Advertiser that defraud customers! And American Express supports that action!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a dispute for an account with XXXX. I think the balance on the account was {$390.00}. The estimated completion date for the dispute was set for XX/XX/2021. However, the dispute was never completed by that date. I called Equifax in regards to the dispute not being resolved within the 30 days and the rep told me that because of this, the account would be removed. The account was removed. 
On XX/XX/2021, I received an alert stating that the same account was placed back on my credit report, causing my score to drop by 32 points. I logged back into my My Equifax account to just see that the original dispute still hasn't been resolved and is still showing under investigation. Furthermore, there's a dispute that was done on XX/XX/2021 and shows completed on XX/XX/2021 that was NOT SUBMITTED BY ME. Shortly after that dispute was submitted and completed, the account with XXXX was added back to my account. According to the Fair Credit Reporting Agency, the original dispute submitted on XX/XX/2021 was not completed within the 30 days so the account was removed and should have remained removed. It should not have been placed back on my credit causing it to drop 32 points. What do I need to do fully resolve this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bank account with bank of america years ago. Due to a death in the family and having to move around I ended up over drafting my account I was not able to immediately pay this back. I called multiple times to let them know I would pay it the following year wen I got income tax. I asked questions about my credit ect I was told if I pay the balance I wouldn't be reported to any agency there would be no penalties but the account would be closed. I did not want that as i need a bank account for various reasons in the adult world. I asked if there was a way I could get a settlement on the amount as I was experiencing severe hardship I was advised it wasn't possible When I called to pay the full balance I asked again before paying how paying the balance was beneficial and if the account was closed ect i was reassured paying the debt would resolve any consequences ect I was told i could open another bank with someone else as i was not able to open an account while owing bank of america I paid using all the money I had. When covid hit i tried to get a loan, i tried to open an account with a credit union i tried to get assistance i tried to go into business for myself all failed due to account becoming marked as closed for fraud in XXXX  even though it was closed due to over draft and bank of america kept transferring me around for hours my phone log will show i have called bank of America and XXXX XXXX for years and spent hours and called daily trying to get it corrected to account abuse. I specifically asked in my dispute for proof in writing I did not receive that and XXXX XXXX would not remove it and bank of america would not remove it and an employee even told me it should be removed and risk told me it needs to be updated or at least removed after reviewing but nobody has done anything. I read the fcra and it states that inaccurate information must be removed and it is inaccurate but they will not remove or even update it and it is causing a delay in my financial life as well as costing me to lose XXXX  OF DOLLARS in business credits for a business i pay for yearly but cant get funding for due to this error. They also reported me to XXXX XXXX  for fraud account but this was not a fraud account and they keep saying there is nothing they can do about it. I have requested them to send me a explanation in writing how this is accurate and they declined. They even declined through XXXX XXXX  stating it will not be changed. They took the payment for a long standing account that was over drown once and closed it as fraud and reported me to be XXXX and prejudice against upcoming minorities trying to do right. If they just didnt want my business anymore thats fine but to report lies to stop me from moving on with my life is unethical and im finding alot of issues and class action suits about bank of america these days it cant be a coincidence. Please help be get this removed as I would hate to waste any more years my family and i are suffering over their lies.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX 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
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account name : XXXX  XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX However, they stated everything was complete and accurate which it is not and needs to be resolved. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and found multiple inquiries from your company that I dont recognize.