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

In XX/XX/2018, my XXXX XXXX credit card was charged approximately {$12.00}. On XX/XX/XXXX, I noticed the charged because I received a statement that I was not expecting and I contacted XXXX XXXX to report and dispute the charge. I also contacted XXXX XXXX who could not identify what the charge was for. Because I did not make any purchases with my XXXX XXXX card in XXXX, I assumed this to be an unauthorized charge that would be refunded. 

When I received the next statement, I noticed that the issue had not been resolved, XXXX XXXX   was charging late fees and reporting delinquency to the credit agencies. I called XXXX to check the status of the dispute and resolve the issue. This resulted in several phone calls back and forth between XXXX XXXX and XXXX XXXX. 

In summary, XXXX XXXX  demanded that I pay the disputed amount in order to stop the negative reporting to the credit agencies. They assured me that the money would be refunded if the situation was resolved. 

XXXX XXXX eventually identified the charge as a back-ordered item from a purchase made in XXXX, which was paid in full after I received the statement of the purchase. In addition, I never received the item that was on back-order. On XX/XX/2018, the XXXX XXXX representative told me that they would refund the charge and to expect the credit within 3 business days. 

When I called XXXX XXXX a week later, the XXXX agent told me that it would take 30 days for the credit to appear. 


XXXX XXXX has not issued the refund/credit and XXXX XXXX continues to harass me for payment, threatening me with further action, claiming that I have not responded to them and reporting delinquency to the credit agencies. I am at a loss for how to resolve this situation. 

Thank you for your assistance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed for a loan with my bank I received a denial letter. Stating I had account in collect or delinquency. I have no accounts in collection or delinquent Lack of revolving account information. I have multiple loans. In my name reporting to all reporting agencies Lack of bank/national revolving informal. I've been with the same bank for 25 years. 

Length of time accounts. I have multiple loans/accounts that have been open for years. 

The report was from XXXX
Product: Credit reporting or other personal consumer reports

This account was previously deleted on XXXX and XXXX because they couldnt verify the debt but transunion wont delete the item and this is a clear violation 15 US. Code 1692e 10 - false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

As I went to my tax professional to get my taxes filled, my consultant told me that I was not able to file my taxes due someone using my identity. As I'm trying to get that taking care I decided to get my credit report pulled. When I got my credit report there was a numerous list of things that I have never applied for in my life. Please remove these things off my credit as soon as possible. 

XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$470.00} XXXX  XXXX {$1600.00} XXXX  XXXX {$3700.00} XXXX XXXX XXXX XXXX {$77000.00} XXXX XXXX {$140.00} DEPT OF EDUCATION/XXXX XXXX {$32000.00} XXXX   XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$23000.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX   XXXX XXXX XXXX {$8700.00} XXXX XXXX {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Motor Credit incorrectly reported me 2 months 30 day late for XXXX and XXXX XXXX. I paid 3 months in advance in XX/XX/XXXX and was told by Toyota Motor Credit that Auto loan was satisfied and paid in full. Fast forward to XX/XX/XXXX, and I was shocked that my credit score dropped by XXXX points when trying to purchase a new home because of the inaccurate late payments. I called Toyota Motor Credit and was told that 2 payments were left and was I given wrong info. I made payment immediately for {$1900.00} on XX/XX/XXXX. I was told I have to deal with the credit bureaus to fix their error. I sent letters to credit bureaus on XX/XX/XXXX and got zero response and XXXX refuses to remove inaccurate late pays from my credit report.
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, CA for approximately {$21000.00} after down payment receiving financing from Nissan Motor Acceptance.  Upon purchasing the vehicle I set up auto-pay in order to make direct deposits in order to pay off the vehicle. From XXXX until XXXX I had never missed a single payment and was well on my way to paying off the vehicle. Upon the final payment, which should have been XX/XX/XXXX, I checked my account and saw a {$0.00} balance. At that time the account was closed out and I was no longer able to log on to the website. I had figured everything was taken care of and my debt was paid. About 8-months later I received information that I still owed {$410.00} ( the last month 's payment and the final balance ). Keep in mind I move around a lot being in the military so if they had sent me letters it was probably to a prior residence. After finding out the information, I called Nissan Financing and they were unable to help me, stating that my balance had been turned over to a collections agency, which I just recently found out wasn't true when I finally paid the remaining {$410.00} balance. 
I have recently disputed the claim just to get it taken off my credit report after paying off the final balance, but they acknowledged my payoff and refused to take the negative information off my report. My question is, what would be the sense in paying 59 payments of {$410.00} over the course of nearly 5-years, then simply disregarding the final {$410.00} installment? {$410.00} isn't worth not receiving a title or my credit being destroyed. Why in the world would I invest that much money into something I didn't intend to pay? Why would 59 payments be made at the same exact time each and every month during the duration, then suddenly stop on the 60th installment. I just want a clean credit report as all of my other accounts are clean and never late.
Product: Debt collection

The companies Zions Debt Holdings LLC nor XXXX NEVER responded with documentation that I incurred this debt nor that I requested or applied for credit for this debt. I NEVER had any contact, applied for credit or incurred debt in any way with this company or any company associated with this debt. Zions Debt Holdings LLC nor XXXX has provided any documentation to substantiate or validate that I provided any personal identifying information ( PII ), any signatures, or that I was ever present with any representatives of the company to incur this debt. I requested evidence on several occasions and the company has failed to provide any viable documentation. There are no credit inquiries from any of the big three credit reporting agencies. I have never signed any document or provided my consent to request credit or to incur this debt and I have NEVER never provided any PII to this company or any of its associated companies.
Product: Mortgage

I took a traditional fixed morgage with Capital one in about XXXX of XXXX when my income was about XXXX to XXXX a year.The same year I lost my job. I liquidated my retire plan to catch up on mortgage and other expenses. I eventually found a job with The state of Florida where I make only about XXXX a year. As a result of a drastic change in income I fell behind my mortgage for about 2 months. I have been making at least one full payment each month since I fell behind. I started a loan modification process about XXXX to 4 months a go in XXXX or XXXX XXXX. I submitted initial documents requested. I was asked to submit additional documents which I did. The main issue is, capital one is intentionally delaying the process to force me into foreclosure because I strongly believe the company is in to make gains and not care about my plight at all. The ask for my monthly pay stub, I send it, they sit on the document, until a new pay period then they send a nasty letter that if I do not send a new paystub my case will be closed. I did that about 3 times. The other part is, they requested my insurance declaration page, which I sent, it was confirmed they have it, now they are asking for the same document-I thought my information or documents were to be kept securely. I requested so many times for the case worker to call me back but she would not. When I asked for corporate number there is none. 
To add salts to injury, Capital one sat on my application for about three months when I was told underwriter reviewed my application and I needed this document and that document only to submit all required documents and then being told a box on my application was not checked. My question is if a box was not checked, why did they not send me back the document for me to check what is needed but rather waited until I submitted all required documents to send me a letter I received on XXXX/XXXX/XXXX asking me to check a box on a page but they did not bother to include the document I needed to check of. To prove how eager ( it seems someone makes personal gains when a XXXX is pushed through foreclosure especially if the how value has almost doubled like mine ) capital one 360 home loan is to foreclose my house, I was given 4 days from the time I receive the letter to check off a box on a form that was not included in the envelope and return or else I will not be able to stop foreclosure once a foreclosure sale date is set. 
Why should capital one 360 keep asking for the same documents I sent, some I sent so many times then threaten foreclosure due to their in ability to send me a form they sat on with their underwriters for about three months, then sending threatening foreclosure letter asking me to check a box on a ducument they did not include in the envelope. Could Capital One 360 Home loans not have sent this document along with all the several request they made on my pay stubs for me to complete right from the onset? This is a deliberate attempt. I read so many comments online about frustration borrowers go through with Capital one 360 home loans and I am a living witness.
Product: Vehicle loan or lease

Well pretty much me and my co owner got a vehicle about almost six years ago we had nothing but problems with the vehicle we couldnt afford to make payments and pay for repairs we broke give the vehicle back to credit acceptance voluntarily and they put it on our credit report. They kept putting late fees and balance increase on our credit reports. Last month I got an email stating that they closed my account out and now the are suing me which is crazy because they are being sued by the state of New York they have been nothing but a headache I am a single mom of XXXX low income and taking care of my XXXX mother .This is said I cant afford to pay the balance off even though they sold the vehicle and I cant afford court this is really stressful please help me thank u
Product: Vehicle loan or lease

XX/XX/2019-Friendly Finance Rep called and left a msg stating she would move forward with locating my vehicle for repossession. I called her back within a few minutes and scheduled a pmt arrangement to pay XXXX pmt on XX/XX/XXXX and XXXX pmt XX/XX/XXXX. I explained that I did not have card or account information to provide her and I would call back on the XX/XX/XXXX to pay. 
XX/XX/2019-Friendly Finance rep called again and I gave the same pmt arrangements again and also explained that I had already made arrangements the previous day. When I was not able to provide her with my debit card number she said she would just call back on Monday XX/XX/2019- Friendly Finance rep called again. I explained to him that I have made the same pmt arrangements every day this week and nothing was going to change. If my arrangement to pay was not sufficient then the reps should have explained that on previous days. He said my plan to pay on XX/XX/XXXX was noted but not the arrangement for XX/XX/XXXX and that he would document that. I explained to him the rude communications that I have been having from them. I told him what the previous rep said about calling me on Monday when I wasnt able to provide my bank acct number or card number and he suggested that I do not answer the call on Monday XX/XX/2019-Friendly Finance rep XXXX called. I explained that I have already made arrangements almost every day this week. I was upset about the 4th conversation within 5 business days. I told her my arrangement wouldnt change and to stop calling my phone and she threatened to move forward with repossession efforts. I called and spoke with who I thought was a supervisor. She explained that my call was being recorded and that my complaint would be given to her manager. I also requested that XXXX not call me again or handle my account any further. 
My account is not even 30 days past due yet. Why am I going through so much and being harassed almost everyday. This is entirely too much. Please help.
Product: Consumer Loan

To whom it my concern, I would like to make a compliant about Chrysler Capital. I have been receiving billings and information at my home address for over three months. I have called Chrysler Capital three separate times to confirm that I am not listed on the loan and to inform them that the mail recipients do not reside at my address. I have requested that the mailing stop being sent to my address and that my address not be on record for the loan Chrysler holds. The names on the loan are for my ex-husband, XXXX and his grandmother, XXXX. This loan was executed with Chrysler Capital after the finalization of my divorce and after XXXX had move out of the house. XXXX does not have any ownership of the property located at XXXX Michigan XXXX nor did he live here when he purchased the vehicle. I would like Chrysler Capital to remove my address from their records and stop mailing statement/billings to my home.
Product: Credit reporting or other personal consumer reports

IN XXXX OF XXXX, ON MY XXXX, XXXX AND EXPERIAN CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$2300.00}. 

IN XXXX OF XXXX, ON MY XXXX, XXXX AND EXPERIAN CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$2200.00} IN XXXX OF XXXX, ON MY XXXX, XXXX AND EXPERIAN CREDIT REPORT AN ACCOUNT NAME XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$3100.00}. 

IN XXXX OF XXXX ON MY XXXX, XXXX AND EXPERIAN CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$920.00}. 

IN XXXX OF XXXX, ON MY XXXX, XXXX, AND EXPERIAN CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$880.00}, IN XXXX OF XXXX A BALANCE OF {$820.00}. 

I HAVE DISPUTED THESE ITEMS NUMBEROUS TIMES AND SENT SEVERAL DISPUTES. 

THESE COMPANIES ( XXXX, XXXX AND EXPERIAN ) IMPROPERLY OBTAINED AND USED MY CREDIT REPORT FOR PURPOSES NOT AUTHORIZED BY LAW. I DID NOT AUTHORIZE NEITHER OF THESE COMPANIES TO ACCESS MY CREDIT REPORT. THE UNAUTHORIZED USE OF MY CREDIT REPORT IS A SERIOUS VIOLATION OF MY PRIVACY RIGHTS AND THE FAIR CREDIT REPORTING ACT ( FCRA ).
Product: Credit reporting or other personal consumer reports

This debt has been paid and a 1099-c was issued to me as income. this account should be removed from my credit bureaus for the amount of {$31000.00} is still showing up on my credit report and should be removed per the fair credit reporting act. Since the 1099-c was issued there should be no dollar amounts or income amounts showing in my reports on Experian, XXXX or XXXX.
Product: Debt collection

This debt collector contacted me on XX/XX/XXXX via text which I didnt respond to. On XX/XX/2023 they sent the same text only this time I replied with STOP as the text message indicated in order to stop these text messages. Even though I told them to stop, I still got another text message today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that this information was no longer on XXXX but it still is reporting. I have sent in documentation for identity theft paperwork also paperwork from other reporting agency 's stating it's not reporting. it's also reporting on Transunion as well.
Product: Credit card or prepaid card

In XXXX of XXXX my credit limit was {$14000.00} with 0-5 % usage at a time. In XX/XX/XXXX my credit limit was decreased to {$1600.00}. There has been no history of late payments with the account
Product: Credit reporting or other personal consumer reports

I have disputed items on my credit report and the investigation did not fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost XXXX months, I have been living in an expensive hotel. Because no rental company can access my credit file. No matter how many times I call experian and am told there isnt a freeze or fraud alert or block, every time I apply for a place to stay the answer is always the same. They can not access my credit report. At This point this is costing me thousands and my family is displaced. How hard can it be to fix whatever is preventing rental companys from seeing my credit report? I see that to resolve this I am left with no choice but to file legal suit. Experian is either not trying to fix it or they cant fix it and either XXXX is unacceptable.
Product: Debt collection

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act.

Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Credit reporting or other personal consumer reports

My information was in a data breach please remove all unauthorized inquires listed
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave inquires on my credit report due to thief. I was told by Transunion to send copies of my social security card, ID, Police report, and papers from XXXX to remove all inquires that were made by someone else and information to report the bankruptcy charge off. I sent Transunion all these documents by certified mail and they proclaim they didn't received them which is a lie because I got confirmation from the XXXX stating that it was picked up on XX/XX/2022 @ XXXX XXXX. Which is located in XXXX, XXXX. XXXX deleted the bankruptcy which they suppose to due as XXXX instructed them, but they chose not to. I have an updated police report concerning all of the inquires for all inquires to be removed. Transunion stated that they never got these documents which is a lie because they singed for them please review attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to seek your assistance in resolving a matter concerning inaccurate information on my credit report, which has not been appropriately addressed by TransUnion. On XX/XX/XXXX, I contacted TransUnion to report the following erroneous entries on my credit report. However, I have not received any response or resolution to date. 
Account 1 : Creditor : XXXX XXXX Date Opened : XXXX XXXX, XXXX Credit Limit : {$750.00} Account 2 : Creditor : XXXX XXXX XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account 3 : Creditor : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$1900.00} Original Creditor : XXXX XXXX XXXX I want to emphasize that none of the above accounts belong to me, and it is imperative that they are removed from my credit report promptly. I have fulfilled my obligations as a responsible consumer by promptly notifying TransUnion of these discrepancies, but their lack of response is concerning. I believe TransUnion has an obligation to comply with federal law and investigate the validity of these accounts as per my request.
Product: Money transfer, virtual currency, or money service

Dear Support Team, I am writing to appeal the permanent limitation placed on my PayPal account. I believe that this limitation was made in error, as I have not violated any PayPal policies or terms of service. 

As a responsible and law-abiding user of your platform, I have always followed the rules and guidelines set forth by PayPal. However, I was surprised to receive notice that my account had been permanently limited without any prior warning or explanation. 

I would like to request that PayPal re-investigate my case and consider restoring my account if possible. I am confident that a thorough investigation will show that I have not engaged in any activity that violates your policies. 

Furthermore, I would like to assure you that the email address associated with my PayPal account is XXXX. I kindly request that any communication related to this matter is sent to this email address. 

Thank you for your attention to this matter. I look forward to a prompt and fair resolution to this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

We received notice ( attached ) that our bill was past due. However, we never received a bill. Upon calling the cc company, we learned that we had an outstanding balance of {$370.00} which included {$28.00} of late charges and XXXX of interest. After expressing our displeasure with not receiving a bill, the late charges were waived, but not the interest. We paid the outstanding {$340.00} bill in full and cancelled the card. We were then threatened that we could never receive another Gap credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited XXXX days and received my investigation and notice everything was still the same. The consumer reporting agencies, which is Transunion, and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all XXXX-credit reports, date of last payment is not correct on XXXX and TransUnion credit reports. 
Which is a violation. This is impacting me from moving forward to buying a house for my family. 
I attached my previous credit report to show how XXXX, TransUnion and XXXX violated my rights.
Product: Credit card or prepaid card

I have a loan with EXETER FI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and EXETER FI with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.