23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated and corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My credit limit was lowered with no information provided. I called and spoke to a customer service representative who informed me she would send an email regarding why and no other information. I received the email and per email stated a lower payment was made and this is incorrect and I feel that due to my race this company has unfairly targeted me. I always make a full minimum payment and have never maxed out my balance. The other reason was due to caring a high balance on my other cards which are within the 30 % and only because of my financial situation for they were at 10 % prior. This is why once again I feel I am being targeted for being of XXXX descent.
Product: Checking or savings account

I made a hotel booking through vendor XXXX XXXX on XX/XX/2018 for booking in XXXX. This booking was fully cancelable for refund until XX/XX/2018. On or about XX/XX/XXXX I found out that XXXX was having issues with bookings - so I inquired and decided to cancel my booking. Upon canceling I was told by XXXX   that they couldn't give me a refund at this time. I notified CITIBANK on XX/XX/XXXX that I had a dispute with the vendor XXXX goods and serviced not received. They gave me a provisional chargeback and sent paperwork to be filled out. On XXXX XXXX the provisional chargeback now appeared on my account as a refund from vendor. I called the back as I had just received the paperwork and asked if the credit was a provisional credit or was it an actual refund from the vendor. I was told by a phone agent with CITIBANK that this was a refund from the vendor. I did not have to send in any paperwork. I asked 3 times - are you sure. YES. I also asked my personal banker - and they said it appears I have received a credit directly from XXXX. Early XXXX - my account goes negative and I am told that CITIBANK has denied my dispute and is taking back their provisional credit. I immediately call and explain what I was told. They said I now have to appeal their decision. I appeal and now receive a letter that i have been denied as TOO much time has passed since my XXXX XXXX purchase. If I am correct - according to chargeback rules - you have 120 days to make a claim. My original notification to the bank on XX/XX/XXXX was within the 120 days. It is the internal bank employees that have misinformed me. CITIBANK has records of my call where I was told it was a credit from the VENDOR. This is an {$790.00} charge where I was framed by the vender and then given bad information from my own bank to fight this. And somehow I have no protection? How is this even fair. They should be trying to collect the {$790.00} back from the vendor. Citibank has made thousands of dollars from me from my mortgage, personal banking account and business accounts and this is how they treat a customer.
Product: Checking or savings account

I had a capital one business SPARK checking account. I had used it for over 4 years regularly. One day I can not log in. I call to ask why and they say there was fraud associated with the account. They refuse to tell me what fraud or how to challenge it and they retained my deposits which were regular business deposits for years... 

I went through every channel I knew to dispute ( visiting capital one branch in person, endless phone calls, at least 20 hours on various phones, trying to file with report fraud.ftc.... etc... but no luck. 

Would appreciate an investigation and if I can get my final amounts refunded that they had when they closed my account.
Product: Vehicle loan or lease

I purchased the prepaid maintenance package along with my brand new car. I was told it would include all types of maintenance including brake pads, timing belt etc by the finance manager XXXX. He declined to provide a pamphlet detailing the package when I requested it. Since I had been waiting for over 3 hours at the dealership, I fell for his sales tactic and bought it ~ {$1900.00}. I went home the same night and researched the package and found out XXXX misrepresented the package to make a sale, it only includes oil change & tire rotation. Anyway I went back to the dealership on XX/XX/2021 and canceled the purchase and requested a refund. I was told by XXXX the purchase amount ~ {$1900.00} would be removed from My loan principal but its been 2 months and its accruing interests and they still wont remove it from my loan. Contacted both Hyundai finance ( 4 emails, calls directly to Hyundai finance ) and the dealership ( over 5 emails and in person visit ) and no one would help. Please help me to get my refund and interests accrued removed from my loan
Product: Vehicle loan or lease

Westlake Portfolio Management has made false statements about giving me my previous account number from U.S.Auto and they did not give accurate information. Westlake Portfolio Management has falsely made a statement saying that the confirmation number that was given to me in a recorded call conversation, was my account number from my original account and that is inaccurate and misleading information. Westlake Portfolio Management does not have my original contract and they have not sent me any Validation upon my request via postal mail nor have they honored the cease and desist inside of the certified letter that was mailed to Westlake Portfolio Management. Westlake Portfolio Management failed to provide Validation within the allotted days/timeframe including in the XXXX XXXX XXXX
Product: Debt collection

On Wednesday XX/XX/XXXX at XXXX, I received a text message stating the following : " This is TrueAccord, a debt collector. Resolve your outstanding balance with us : link. Reply STOP to opt out of SMS. '' I checked the link and it stated I had {$620.00} in DEBT?? and that the current creditor was the " XXXX XXXX XXXX, XXXX ''.. I do not have any debt and no one around me has ANY debt.
Product: Credit reporting or other personal consumer reports

Heres what needs fixing : **Personal Information : ** - **Incorrect Name** : XXXX XXXX - **Incorrect Previous Address** : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - *Date of Birth** : XXXX  only - Current Address** : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - **Incorrect Employer** : XXXX XXXX  XXXX **Collections/Accounts : ** - XXXX XXXX XXXX  : Account ending in XXXX - XXXX XXXX XXXX XXXX Account ending in XXXX - *XXXX XXXX XXXX XXXX  : Account ending XXXX XXXX XXXX XXXX XXXX : Account ending in XXXX - XXXXXXXX XXXX XXXX XXXXXXXX : Account ending in XXXX - XXXX XXXX : Account ending in XXXX - XXXX XXXX  : Account ending in XXXX - **XXXX** : Account ending in XXXX **Inquiries : ** - XXXX XXXX XXXX XXXX  XXXX - *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from XXXX XXXX stating that they were incorrectly reporting a bankruptcy on my credit profile. I sent a copy of this letter to Experian and asked them to certify this account on my profile. Experian said they spoke with someone at XXXX and that Experian was able to certify this account. I asked Experian for the name, address, and direct contact to the person they spoke with. I asked Experian several times to disclose this important information to me in order to resolve the account that is inaccurately reporting on my credit profile. My latest communication to them was on XX/XX/XXXX. Also, in this dispute I asked Experian for their investigation process regarding the Bankruptcy. In the end, I did not receive any specific information regarding who it is that Experian spoke with and how to directly contact this person who certified this account, so that I can resolve the issue and reconfirm the bits of information Experian did give to me. On XX/XX/XXXX, Experian stated : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
If our reinvestigation has not resolved your dispute. '' However, no investigation has been shared with me and I asked for a specific name of a natural person that they spoke with at XXXX so I can directly contact this person they say certified this bankruptcy. I provided a copy of the XXXX letter to Experian on several occasions and to no avail, as Experian is responding with an automated computer to my investigation request. I am still in dire need to speak with someone to remove this inaccuracy from my credit file.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX XXXX - XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX CO - XXXX - {$230.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$3600.00} XXXX - XXXX - {$130.00} XXXX XXXX XXXX - XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XXXX - {$570.00} XXXX XXXX XXXX XXXX - XXXX - {$670.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$2300.00} XXXX JXXXX XXXX XXXX XXXXXXXX XXXX XXXX - {$500.00} XXXX XXXX XXXX - {$830.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being.

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX XXXX account # XXXX XXX just reporting on my credit report has an inaccuracies that makes this report invalid!! date last active XXXX XX/XX/XXXX XXXX XXXX XXXX and Equifax XXXX XXXX PLEASE DELETE THIS INVALID DEROGATORY ACCOUNT THAT IS HURTING MY CREDIT SCORE IMMEDIATELY!!
Product: Credit card or prepaid card

I would like to know why am I being charged an annual fee for a credit card who just informed me via e-mail they are closing my account on XXXX XXXX, 2018 because they have merged with another company. I am being charged $XXXX for whole year on a card that will only be active for 4 days starting the new year. Someone from the company, please explain this to me because none of XXXX XXXX's reps knew what they were talking about.
Product: Mortgage

The issue is I purchased a house in Louisiana I XX/XX/XXXX and shortly afterward I joined the military. Since I got stationed in XXXX. I allowed a family member to stay in the house under the condition she would pay the mortgage. Unfortunately she was n't paying the mortgage and I did n't find this out until XXXX XX/XX/XXXX she had n't paid for 42 months. But it was too late for me to rectify the situation. The mortgage was already XXXX dollars in the behind and I do n't know. I had n't received any notification from the mortgage company. Nothing was showing on my credit report. Now the bill is close to XXXX dollars. Nevertheless the mortgage did n't foreclose because I was a military member. So I tried to make some type of arrangements to get the back mortgage under control, but the mortgage company refused to accept any payment less that XXXX dollars, but wo n't foreclose on the property either. I then tried to surrender the property back, but I kept getting the run around and then finally denied for information for not providing information when I did provide it. So now all the property is doing is accruing debts. I have the house up for sell, but now the mortgage representative are lying to my real estate agent saying that ca n't give her a BPO without me revoking my cease and desist. They are using the fact that I 'm in the military as a loophole to allow the property to get deeper and deeper debt. I 'm not even stationed in the state that the house is in. The mortgage company is making every attempt to make any resolution to this issue impossible. The company is trying to force me into a Loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Credit Card is showing on my credit report that I opened it XX/XX/2022 and that I did not spend money until XXXX 2022 and that I am 30 days late in XXXX, 60 days late in XXXX, XXXX  in XXXX and 60 days late in XXXX. I have never heard of XXXX. I have also never had a XXXX  credit card. I did not open a credit card other than a XXXX XXXX 2 different times with my XXXX XXXXXXXX XXXX. It was not me who requested a report for that XXXX  back in XXXX. I have also never been contacted by XXXX in regards to needing to pay anything. This is 100 % not my account. I contacted XXXX and they said they would reach out to me. I havent heard from them. I did contact Experian to file a fraud report and will be contacting XXXX and XXXX.
Product: Debt collection

This debt collection account does not belong to me. The debt has been transferred to different lenders and also has been removed and then added right back to my credit report. This is re-aging debt which is illegal.
Product: Debt collection

Original creditor/Seller : XXXX XXXX XXXX Debt Buyer : Portfolio Recovery Associates Balance {$430.00} I checked my credit report and noticed I have a collection from " Portfolio Recovery '' I did n't recognize. I never did business with this company, nor do I have a contractual obligation to pay them. I disputed the debt with all 3 credit bureaus and the debt came back validated. Portfolio sent me a letter in the with with an online statement/screen shot of a bill from 2014 from XXXX XXXX saying this validates the debt and the debt was charged off. I asked Portfolio Recovery in 3 different letters for them to send me a copy of the original contract with my signature, proof that they legally own the debt, assignment of purchase from the original creditor and full chain of assignment. They continued to ignore my request and keep sending the same screen shot bill. With all this fraud, scammers and computer savvy hacks out here, anybody can generate fake documents. I 've sent letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they continue to send the same screenshot bill/statement. 

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

My name is XXXX XXXX XXXX, and I have recently noticed on my credit reports that several attempts were made to obtain goods/services under my personal information without my consent. I do believe I am a victim of identity theft. I am requesting that the following information be reviewed and removed from my personal credit reports. The items I am requesting to be removed are included in this report and below in my personal statement : Account : XXXX XXXX XXXX : Opened 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I settled a charge account with XXXX/XXXX  via a debt negotiator for {$2200.00} The account was charged off XXXX, XXXX, and settled shortly after. Therefore, there was no data to report after XXXX, XXXX. On XXXX, XXXX, my report shows an active account, then another charge off on XXXX, XXXX. My account then shows an active status from XX/XX/XXXX until XX/XX/XXXX with another charge off on XXXX, XXXX. 

My Experian report shows '' status updated on XX/XX/XXXX '' There is nothing to update. The issue was resolved in XXXX. I have a " potentially negative '' alert regarding this account, and this info is scheduled to remain on my credit report until XX/XX/XXXX when it should have been off no later than this year. 

I never re-opened this account, there is no way XXXX would have allowed me too, so there has been no activity on this account. Can you please help me with this? This account information does not show on my XXXX  report,
Product: Credit card

I went to the discover card website today to find out if I was pre-approved to apply for XXXX of their credit cards. I know that with this pre-approval, there is a soft inquiry, not a hard XXXX, and they collect information to view my credit report and it does n't affect my credit. I filled out my information as requested and the " Discover It '' credit card came up saying that I would be qualified for this card. I went ahead and applied for the credit card and after I clicked " submit '', they requested even more personal information which I filled out. Then after I clicked " submit '' again, a message came up saying that I needed to apply with someone else as I needed to submit a " joint application ''. I never stated that I wanted to submit a joint application or that I was applying with anyone else or had any interest in applying with anyone else. I stated that I, alone, wanted to apply. I then called customer service, new accounts, and spoke with a manager by the name of XXXX XXXX, ( this is the spelling of his name he gave me ) and explained the situation. He was trying to give me the wrong information by telling me that when someone fills out a " pre-approved '' form, that the credit is not checked or viewed at all. I then told/ him that I know how it works and that I have applied for other credit cards with other banks and they have even told me that they view the credit to let me know if they can offer me a credit card or not, and based on that, they either state which credit card I can apply for or state that they can not offer me a credit card at that time. I stated to him that he was giving me the wrong information so that it did not appear that the bank had made a mistake, but that this was exactly the case. The bank made a mistake. He kept repeating the same thing so I told him that I would be filing a complaint with the Consumer Financial Protection Bureau so that you guys knew what they were doing to consumers. I told him that I want them to delete the hard inquiry from my credit report and he refused. So I am filing this complaint to request your assistance so the bank can delete the hard inquiry which should have never been there on the first place, had they not given me the wrong information at the pre-approval screen stating that I could apply for the Discover It credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard inquires on my XXXX  report from Citi one dated XX/XX/2017 and XX/XX/2017. Either of these hard inquires were not authorized by myself and I was not asked if Citi was permitted to pull my credit report they did it without my authorization. I did try to make contact with Citi however they advised to dispute through external source.
Product: Mortgage

I signed closing disclosures stating my monthly payment was {$1400.00}. My mortgage was sold and now my payment is almost {$100.00} more per month because my closing disclosures were wrong. No attempt was made to notify me that they were wrong and the amount was more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Product: Student loan

I have had multiple problems with my loan servicer including : 1. problems with customer service 2. receiving bad information about my student loan 3. trouble with how my payments have been handled 4. disagreement with fees charged My loans were transferred to MOHELA with my first payment in XX/XX/XXXX. I was notified after I made my XX/XX/XXXX payment that my loan status was changed to forbearance and that my next payment was not due until XX/XX/XXXX. After multiple attempts of hours on hold with MOHELA, I was finally able to get ahold of a representative who helped move my posted payment in XX/XX/XXXX to apply to XX/XX/XXXX. However, the payment reposting was applied on XX/XX/XXXX which was greater than 25 days before my next payment was due, so it appeared as if I still owed for XX/XX/XXXX. After additional multiple attempts with many hours on hold, I was able to get ahold of a representative who told me because my account was in forbearance, they were not able to apply the payment until my loan was active again, and asked me to call back after XX/XX/XXXX ( looking back at this, I now realize this doesn't make sense as the posting was moved from XX/XX/XXXX to XX/XX/XXXX while my account was in forbearance ). 

I called again after XX/XX/XXXX at which time a representative told me " it could take 5-7 business days for the payment to become active and it never appeared to have been paid. I called again a few days later at which time I was told " the last request must've been deleted ; I'll resubmit ''. On XX/XX/XXXX ( payment date ), my payment was STILL not posted. I called and got ahold of a representative that said they would submit my payment on XX/XX/XXXX, but it would take " a few days to post and it might look like you have a late payment, but the credit bureau can call and ask about your loan payment date and we will tell them it was paid on the due date ''. As of today, XX/XX/XXXX, I was emailed by the XXXX stating I have missed a payment. Looking on MOHELA, the payment was finally processed on XX/XX/XXXX, but it now shows that I have an outstanding balance of XXXX with my next payment due for XXXX. My monthly payments are calculated at XXXX which would me that I should not have any outstanding payments if my XX/XX/XXXX payment was credited correctly. I have also just noticed that my monthly payment amount was changed to XXXX without any prior forewarning. I have attempted to call customer service again, and have not been able to get through to a representative.