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

On XX/XX/2023, I paid {$5300.00} for two XXXX air conditioning condensers ( model XXXX XXXXXXXX ) using a CitiCard. At the time of the purchase I made arrangements with my installer, a regular customer of the AC seller, to pick up the units from the seller. 

After my installer went AWOL without having picked up the units from the seller, I called the seller to cancel the order and the seller agreed that they would not now release the units to the installer because the order was cancelled. However, the seller would not give me a refund ; bizarrely, the seller now claimed that the company policy was not to deal with the purchaser ( and only deal with the installer ). The seller advised me to seek redress by contacting Citi card to have the transaction voided, and my card credited. 

I made a formal request to Citi to credit my account for the merchandise that I did not receive but paid for. And I made sure to advise Citi that the merchandise still resided with the seller, as I confirmed with the seller over the phone and by email on XXXX XXXX. 

Citi responded by asking for a sales invoice as proof of purchase and/or confirmation of the lack-of-delivery/entitlement-to-a-refund. I explained to Citi that because I made a phone order, there WAS no invoice. I reminded Citi also I had indeed confirmed ( by the email that I had already shared with Citis investigator ) that the seller agreed to void the sale and hold onto the merchandise. I recommended that their investigator should simply call the seller to confirm : 1 ) that I used the Citicard for the purchase ; 2 ) that the order was canceled and ; 3 ) that my installer never picked up the units that I purchased. 

Bottom line : the seller held onto my purchase. I paid {$5300.00} that was never refunded and Citi failed in its duty sufficiently to investigate the claim on my behalf, looking to me as cardholder essentially to perform their investigation for them. Citi failed to credit my account by simply recovering the funds from the seller, AS THE SELLERS AGENT RECOMMENDED AS A SOLUTION. 

I am not now attaching documentation, since Citi has already collected that material and has it in its file.
Product: Checking or savings account

The direct deposit from my husband 's company is scheduled to arrive in our Capital One account by every Friday, and we usually have access by the Wednesday before his paycheck with early access do direct deposits. We thought it would arrive by midnight today, XXXX/XXXX/25 at the latest, but it is XXXX and it still has not arrived. Then I got online and saw a news article saying this is a widespread Capital One issue and checked my email and found an email about the " technical issues '' caused by their " third party. '' This is unacceptable. Our funds need to be released immediately so we can pay our bills, buy groceries, and buy gas for our cars.
Product: Credit reporting or other personal consumer reports

I am reaching out to highlight my serious concern to EXPERIAN about certain details in my credit profile which include these unauthorized inquiries. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information.I have attached as well my FTC report with the report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$88.00} ; XXXX XX/XX/2021.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

YOUR COMPLAINT : First off I am not a CREDIT REPAIR COMPANY. But I am a very smart individual that has done my home work, so I am DEMANDING that you stop trying to use stall tactics in order to simply not remove something from my credit report that you know is wrong and that you can not verify. You are hereby put on notice that anymore incorrect information seen on my credit report that does not meet the standards of section 609 of the FCRA will be dealt with in a court of law, which is something you are very familiar with. XXXX and Equifax has two items on my credit report that do not belong on there. 1. XXXX XXXX Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway. I find it FUNNY that XXXX was reporting this same thing and they removed the item because they could not verify it. If they can not verify it, because XXXX XXXX is not communicating with them, I find it hard to believe that you XXXX and Equifax have had any luck communicating with them. You simply are not doing your job and you are violating the law. I will continue to file complaint after complaint until you fix this error and remove it from my credit report. You are hereby put on notice that I am tired of dealing with this and the next step is a legal lawsuit to take you to court and make you show proof that what you are reporting is correct. ****SEE THE ATTACHMENT SHOWING XXXX DELETION**** 2. XXXX On my XXXX XXXX they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately. It is apparent they are trying to hurt me financially.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Credit card or prepaid card

Paypal Synchrony PAYPAL CREDIT/SYNCB XXXX XXXX XXXX XXXX, FL XXXX I have two parts to my account : promotional charges and easy pay. I am in the process of paying off all promotional charges first, b/c easy pay ( as agreed by the contract ) is 12.99 % instead of 23.99 % if I miss the payment on the promotional charges ( no pay for 6 months if full amount is paid off prior to expiration ) I will be charged interest incurred over 6 months. On XX/XX/XXXX ( Agent ID XXXX at XXXX XXXX EST ) I called Paypal Credit ( as PayPal credit requires ) and made a payment of {$320.00} toward my promotional charges and I have specified what promotional charges I want to cover. Agent XXXX assured me that my payments will be allocated as requested : {$40.00} towards easy pay ( as per contract ) and the remaining out of {$320.00} will go towards promotional charges. The next day after the payment was cleared by PayPal Credit, all funds ( {$320.00} ) went to easy pay instead of promotional charges. This happens all the time, every single time I am trying to close promotional charges. On XX/XX/XXXX ( Agent XXXX ) XXXX XXXX EST I once again called PP Credit and asked why my payments were not allocated as I requested. Agent XXXX was unable to re-allocate the fund b/c " that is how the system works ''. I want to pay all promotional charges on time to avoid paying interest but unable to do it without constantly calling PP Credit or submitting complaints over and over again. PP Credit will need to change its system so the consumers were able to make paying without being tricked by the PP Credit " system ''. If PP Credit does not like what they advertise ( 6 months no  interest if paid prior expiration ) they need to stop making false advertising b/c it is impossible to pay off promotional charges without involving a third party into the process. PP Credit employs the deceptive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts, inquiring creditors, and consumer reporting agencies/bureaus below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. Consumer Agencies : XXXX  XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The Work Number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of informa tion, other than records of convictions of crimes which antidotes the report by more than seven years. 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 The companies listed do not have my consent or authorization to report on my credit profile please remove in accordance to the consumer rights to privacy.

Being of XXXX XXXX XXXX I have been discriminated against due to XXXX resulting in the ability to only receive impartial vehicles loans personal loans as well as keeping negative information on my credit report that further impairs my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have called the XXXX XXXX XXXX XXXX Total Loss Department about my account showing in accurate information. I have ask to speak with a manager and/or supervisor and i have been getting the run around for more than a month now. I have an inaccurate reflection of non payment when I been paid up with this bank. the bank closed my GAP without my consent and I have been asking to speak with compliance and they have told me they have no compliance department. I have been charged extra fees from inaccurate readings from there system and I have requested my account closed because it is paid in full. The Total Loss Department for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, is not accurate, and denies any manager involvement about there action or them being compliant on the phone. The absolute worst experience I have had with an AUTO BANK. Im being taking advantage of and I'm being charged for extra when my account is paid in full. THIS IS A BANK, they must have a manager and supervisor and some form of compliance, and they have only stated they will have a manager call back they are busy, well I have never got a callback and they just drag there feet to try n put extra charges on my account. my account is paid already and they are trynna still charge me. THIS BANK IS FRAUDULANT IN MY EYES AND NON- COMPLIANT AND SHOULD NEVER BE TRUSTED!!!
Product: Credit card or prepaid card

Details of the problems I had with the merchant and Barclays are documented in the attached letter but in summary I do not have the painting and continued to contact Barclays and attempted to contact the merchant but he kept hanging up on me or not returning my call when I left a message or texted. XXXX XXXX, XXXX I purchased a painting presented on TV by XXXX XXXX using my Barclay Credit Card, however I received a fraud alert through my XXXX account, not my Barclay Card. I then researched and could not find this company online so I called the merchant back and cancelled the purchase. I could also see the merchant continue to try to charge my card so I called Barclays XXXXraud hotline and reported the situation and told customer service not to approve this merchants charge on my card because I suspected fraud. Barclays customer service rep assured me that they would not let the merchant charge my card. On XXXX XXXX I checked my XXXX account and noticed that {$1900.00} had been charged to my account again. I immediately called Barclays to complain. Barclays reversed the charge and reached out to the merchant. Early XXXX I noticed the charge again hit my account and at that time Barclays informed my that my complaint was not considered fraud as I had provided the merchant my card #. Since XXXX I have continued to complain with no progress and in XXXX XXXX received a letter from Barclays informing me they will do nothing to help me or reverse the charge. Barclays led me to believe they would protect me, however I learned in XXXX that their system does not have the ability to block a charge once the # is provided.I told Barclays from the beginning Barclays should have advised me to cancel my card and have Barclays reissue a new card and doing so would have protected me. At no time did I receive any advise. I do not have the painting and Barclays has charged my card {$1900.00}. The merchant will not communicate with me an Barclays has shut the case..
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Furthermore, I have identified other inaccurate personal information on my credit report, which may be contributing to reporting errors. I am requesting a thorough review and correction of any outdated, incomplete, or incorrect details to ensure the accuracy of my credit file.
Product: Checking or savings account

Today is XX/XX/21. I am a military member currently serving XXXX in XXXX. I deactivated my debit card and ask to get sent a new one. The bank refuses to sent me a new card XXXX, forcing me to create a new bank account here in XXXX. After doing that and start a transfer of money over to my new bank account, the money transfer process got suspended because they thought it was fraud. I called and found out that they froze my bank account. I can not do anything, transfer the money anywhere unless I come into the bank. Which I told them I can not do that, and then they told me I have to write them a notarized letter saying it was me. I could've easily verify it is me over the phone like any other bank, and even offered to sent them an email with a picture of my IDs using the email that was on file. They would not accept. Their forcing me to go to a US Embassy to get my letter notarized or Im not gon na be able to spend and use my money. Now I am stuck with no money to even buy food and have to wait for a letter to be sent and get it notarized. The service is incredibly rude and unhelpful and the bank will not do anything to help an active-duty service member. It would be easy if I was at home but I left in order to serve this country and risk my life. And now they are making things more difficult and I cant even pay for my own food.
Product: Credit reporting or other personal consumer reports

I am absolutely furious! This identity theft nightmare has cost me THOUSANDS of dollars and left me with wrecked credit! How much longer do I have to wait for Experian, XXXX, and XXXX to get their act together on this investigation? This is unacceptable! I need answers and a resolution NOW! 

Listed in the attachments are police reports ftc reports XXXX  reports denials of credit accounts that were unknowingly or fraudulently opened and that I didnt receive any benefit from.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few months I have been disputing inaccuracies on my credit report. The asset amount transunion, XXXX and XXXX is reporting on the bankruptcy on my credit profile does not match any public records. No proper investigation was done into this matter because this information continues to report inaccurately. They are also reporting the wrong liability amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1980 Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX  XXXX XXXX Late Payment Account XXXX XXXX XXXX Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer. 

In this regard, I would like to point out that the late payment accounts reported by XXXX and XXXX  XXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 

Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 

I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Product: Credit card

I have been making automated payments for several years. I am being charged an APR of 29.99 %. On numerous occasions I have requested my APR to be lowered. On each and every occasion they have responded that nothing can be done because my account has been closed. This seems unfair as I now have a long string of timely payments and the APR should be reduced to reflect this fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment XXXX and XX/XX/2017 XXXX XXXX XXXX account # XXXX.The information is incorrect .Please delete the late payment information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. TransUnion has received 90+ requests for these XXXX records in the past 188 days. Upon phoning XXXX XX/XX/21 TransUnion 's agent XXXX  employee # XXXX confirmed the existence of verified records ( lease document, etc. ) provided by XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX but refused provision of these business records relating to transactions and accounts. Please ASAP, without further obstruction, email XXXX these XXXX records XXXX verified existed.