23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX with XXXX XXXX # XXXXXXXX XXXX XXXX, and my sister XXXX XXXX with XXXX XXXX # XXXX, XXXX XXXX XXXX. We bought a XXXX XXXX XXXX car on the day XXXX/XXXX/XXXX, in the XXXX  dealership # XXXX, located On XXXX XXXX XXXX, XXXX, NY XXXX. The purchase of the car was for the sum of $ XXXX financing of {$3900.00}, for a total of {$28000.00}. The contract was made for XXXX payments of {$390.00}, my last payment was made on XX/XX/XXXX, with this last payment, I completed XXXX payments for the amount of {$29000.00}. I called many times to solve this problem, and then, they always change their arguments.They state that I have not send my payments for XXXX and XX/XX/XXXX. I have copies of the payments in my bank account. Later they stated that XXXX  payments had been removed, because I requested XXXX  payments extension due to the Covic 19 pandemic, which is false, I only requested XXXX extension in XXXX and XX/XX/XXXX, they stated that perhaps my sister called for those extensions. Which is false, because my sister does not understand about these procedures. Many times I have called to make an appointment at a XXXX XXXX XXXX office, they tell me that they do not have offices for these case in NY, and what is reflected in the computer is my debit of {$1600.00}. On the invoice of XX/XX/XXXX, there were XXXX payments that I owed, and the total payments was XXXX, after I protested because there were XXXX payments, if in my contract was for XXXX, the following month XX/XX/XXXX, they reduced it to XXXX payments and now still owed {$1600.00}. Please I need an investigacin in my case. Thank you very much. God Bless You
Product: Money transfer, virtual currency, or money service

XX/XX/2019 I contacted a seller named " XXXX '' on XXXX.  They were selling four ( 4 ) tickets to the XXXX XXXX  XXXX  for {$70.00} each. The event is tomorrow in XXXX XXXX. 

We started a text conversation. They provided the number XXXX. We exchanged a number of texts, which helped me gain confidence. I have never used XXXX before ( or again ). 

They suggested we use XXXX for the fund exchange. This is a function within my Bank of America application, whereby I assumed it was supported by the bank. The e-mail address provided was XXXX. I suggested I send {$140.00} for two of the tickets, await arrival before completing the transaction for all four tickets. 

I sent {$140.00} via XXXX at XXXX XXXX PDT on XX/XX/2019. I awaited the tickets but nothing came. I texted. I called. No response. The sellers post was subsequently removed from XXXX. I was scammed. It is deflating, embarrassing and disgusting.
Product: Checking or savings account

More than once, XXXX has failed to take out of my let me know that the XXXX was not processed then months later I would randomly take it out of my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency Open XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Limit $ XXXXClosed Account XXXX  XXXX XXXX Opened XX/XX/XXXX, {$400.00} _Closed Account XXXX XXXX Credit Card Opened XX/XX/XXXX, {$5000.00} - Closed Account XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$200.00} -Closed Account XXXX XXXX XXXX Opened XXXX {$1000.00} - Closed Account XXXX XXXX  Opened XXXX XXXX $ XXXXClosed Account XXXX XXXX XXXX XXXX Opened XX/XX/XXXX , {$200.00} -Closed Account XXXX XXXX XXXX Opened XXXX XXXX {$520.00} -Closed Account Addresses listed are incorrect please remove and update! 

Current address XXXX XXXX XXXX XXXX XXXX  XXXX Invalid addresses below XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX, IL, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I wrote to you requesting an investigation for the accounts listed below and per my return receipt, it was delivered at your address on XX/XX/2020. The reason for the investigation was to advise you of accounts that are showing Inaccurate, Unverifiable and, Incomplete on my credit report you are reporting. 
1.XXXX XXXXXXXX 2.XXXX XXXX As of now, I have not received a reply from you or any acknowledgment that an investigation has begun. However, I did manage to pull my credit report and found that the accounts listed above, have not been investigated. 


I am requesting for you to delete these accounts immediately from my credit file. Since this is my third request. I also understand, under Federal Law, you are required to complete and notify me of your investigation results within 30 days, which I have given an additional 15 days due to COVID, which you have failed to provide me. 
Again, please DELETE these accounts from my credit file, permanently.
Product: Checking or savings account

I asked for information about why I can't access my funds and withdraw them, there is no specific response from them they just say that it is under review, they haven't told me if they are going to close it or not, it's going to be a month, my account is only blocked For no reason, I can't access my money, I can't manage my accounts, I can't withdraw money, they just said that if they said to close it they were going to send me a check for XXXX to 60 days, the account is not yet in the process of closing, the 30 days have already passed, I don't have an answer from them, they don't care about my money and I need it
Product: Credit card

XX/XX/XXXX Called XXXX in customer service at Chase to order a Sapphire Preferred card to replace our Southwest card ( {$99.00} annual fee charged on XX/XX/XXXX ) Asked if payment of that {$99.00} fee could be transferred to the new Sapphire account, as well as transfer of reward points. XXXX promised fee credit and points would be transferred. 
Then he announced I must apply online for the new card, which I did and it was approved immediately. 
XX/XX/XXXX I ordered payment in full of Southwest account, delivered to Chase on XX/XX/XXXX. 
XX/XX/XXXX The Sapphire cards arrived in the mail, after which we stopped using the Southwest card. 
XX/XX/XXXX While online at Chase to print Southwest statement for final pay-off, I noticed the Sapphire account was also debited for {$95.00} annual fee on XXXX, and there is no credit for having paid {$99.00}. 
XX/XX/XXXX Spoke to XXXX, Supervisor at Chase. She claims XXXX gave me " misinformation '' and my request for transfer of fee credit and reward points can not be honored. They will " pull the call '' record with XXXX of XX/XX/XXXX at XXXXXXXX XXXX and mail a letter in 7-10 business days. Also, I would have had to close the Southwest account within 41 days of XX/XX/XXXX to get the fee credit transferred. I asked how could I close the account without having received the final statement and paying it off? She said I could close it with a balance remaining, but did not say that it was an option today! 
XX/XX/XXXX Filing a CFPB complaint ; last 2 Southwest statements and Sapphire activity printout are attached, along with my husband XXXX XXXX signed permission to respond to me. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report ( XXXX Bank XXXX / Lead Bank XXXX ), which is a direct violation of the Fair Credit Reporting Act. Despite me providing the necessary information on why XXXX offs are not allowed on a consumer report or legal to report due to the accounts being income and not debt per IRS publication. Equifax has not fulfilled its legal obligations under the FRCA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting or other personal consumer reports

Please see on my Transunion report that XXXX XXXX banking has issued a error in reporting inquires made. XXXX inquires on my TransUnion report should only be XXXX inquiries reporting correctly. The inquiry from XXXX XXXX XX/XX/XXXX, and the inquiry XXXX XXXX XX/XX/XXXX, are Correct on my TransUnion report. 
But the other XXXX inquiries from XXXX XXXX dated XX/XX/XXXX, and XX/XX/XXXX, are incorrect as preapprovals should not be reflected on my credit reporting as stated by law.
Product: Debt collection

Ran my credit XX/XX/XXXX and noticed there was a collection account for {$2000.00} sitting on my personal credit. It's taken me 6 hours of phone time to contact all the 3rd party collection company, XXXX XXXX as it seems the fraud was done through them, XXXX and now XXXX who is requiring this report as well. I've already had the collection company and XXXX on the phone and they concur this is not my valid charge. Account that was opened and closed within 1 month in XXXX. 

Respectfully, requested this be removed from my account as a practicing, licensed through XXXX and CA XXXX, I'm aware of the protocols and sincerely never had to personally go through this process, which is completed painful and shame we take this long for our consumers to resolve. It gets placed overnight but takes a ton of work and effort to attempt and successfully remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit repair companies to do multiple checks on my credit report for errors. They stated that everything was accurate and after another check of my credit report I still see that they were not verified correctly or at all. Even after providing the bureaus letters from the creditors themselves they still refuse to make the necessary changes. These accounts are as follows : XXXX XXXX, XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have many inaccuracies including : Account Status, Date Opened, Payment History, Account Status, Date last reported, Date last active, Date of last payment..etc. 

In accordance with the Fair Credit act XXXX  All of these accounts have violated my rights.

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

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Citi card ending in XXXX was paid on XX/XX/year> and had a XXXX balance on purchases before XX/XX/year>. A number of fraudulent charges were made on this card begining on XXXX {$1600.00}. The company has resolved {$540.00} of these fraudulent charges and claims the issue has been resolved, leaving {$1300.00} of fraudulent charges on the replacement credit card ending in XXXX. 

I have not activated the replacement card ending in XXXX. There have been no charges by me on any Citi card after XX/XX/year>.
Product: Credit reporting or other personal consumer reports

After looking over my credit report I found inaccurate information. Southwest Credit Systems is reporting negative balance of {$190.00} I never had an account with Southwest Credit Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all 3 credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX  Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022.
Product: Student loan

I opened an account with XXXX XXXX in 2010. I have XXXX loans with them equally close to $ 80XXXX. Through the fours years of college, I paid {$100.00} due to not working while at school. My mother helped me pay. Once graduated, 6 months later, my payments jump to {$900.00}, at this time I barely end started where I work now. At this time, my XXXX account got moved to Navient. I get in contact with Navient, pleaded to work with me on finding a better plan to repay my amount, I asked about income based repayment and they immediately said no ; we agreed on paying XXXX for 15 months. During that period of paying {$330.00}, I got used to paying that amount. Now that my 15 months are up, I got in contact with Navient pleading if I could possibly pay less due to having additional bills to pay or the same plan for 15 months, again they say no. I had to go into forbearance for 2 months. Now Navient wants {$350.00} for 15 months. 
How is that fair? I 'm trying to work with them and pay my dues. But I ca n't with the amount they are asking. I want to have a future, I want to have kids, but I ca n't do that with half my monthly income is going to student loans. 
I also have an account with XXXX to pay my federal loans, which I have no issue paying due to it being a income based repayment method.
Product: Credit card

I noticed on or about XX/XX/XXXX of fraud charges and notified Citi Bank of the charges. They gave me XXXX. I went to XXXX XXXX police and filed a report on XX/XX/XXXX. They Shortly after arrested XXXX XXXX An ex-employee. He Quit on XX/XX/XXXX and stole the card when he received his last check out of my office the following sat.
Product: Credit card or prepaid card

I had a Gap Visa Card for many years and never had a late payment. The card was managed by XXXX XXXX. I received notice that after XX/XX/2022, Barclays Bank would be managing the card. I received instructions to establish auto debiting with Barclays after a certain time. I attempted to establish the auto debit during the time period instructed, but was unable. I contacted Barclays, and they told me to wait another couple of weeks for the site to be available. I did that and was able to establish an automatic debit arrangement for a minimum balance of about $ XXXX/month. Barclays later notified me that my payments were late despite me paying $ XXXX/month. I called Barclays customer service, and they told me that the bill was now over $ XXXX/month due to fees accrued during the time of the changeover. I told them I was unable to pay that amount in one month and requested that they reduce the monthly payment to an amount that I would be able to pay over time, but they refused. I continued to pay $ XXXX-XXXX/month, and contacted them again, and they refused again. Shortly after, they closed the account, sent the case to collection, and began reporting late payments to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/year>. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

Hi guys hope everything goes well! 
i have some problems with PayPal and this kind of problems happened every time i have such a big amount in my PayPal account! 
and this problem happened to me again in the XXXX of XXXX they send me email said that i wont be able to access to my account or withdraw my funds until 30 days of the limitation Email! now its more than30 days so i contact them they said they have the right to stole my money and i wont be able to have it until 180 days although they said in the Email i will have the money in only 30 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in 3 dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed.I sent factual proof that this account was inaccurate and reporting incorrectly to my credit and should be removed. I have been sending out dispute letters since XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Resolution Team, I am writing to request the removal of inaccurate personal information from my TransUnion credit report. According to the Fair Credit Reporting Act ( FCRA ), TransUnion is required to ensure the accuracy, completeness, and verifiability of information on my credit file. The presence of outdated or incorrect personal information on my report warrants immediate correction. 
I am requesting the removal of the following inaccurate personal information : Incorrect Names Inaccurate Addresses Incorrect Phone Numbers Under FCRA Section 611 ( 15 U.S.C. 1681i ), credit bureaus are required to investigate and correct any disputed information on a consumers report within 30 days of receiving a dispute. Additionally, FCRA Section 605 ( a ) ( 15 U.S.C. 1681c ) mandates that credit reports contain only accurate and relevant information, and outdated personal details can result in unnecessary inaccuracies in the reporting. Please update my credit report to reflect only the correct information associated with my identity. For your reference, I am including a copy of my identification and proof of current address to verify my correct information. 
Once these corrections have been made, please send me an updated copy of my credit report reflecting the accurate personal information. 
Thank you for your prompt attention to this matter. I look forward to seeing these corrections made within the FCRA-required 30-day timeframe.
Product: Credit reporting

A legal item has appeared on my TransUnion credit report, a {$1900.00} small claims judgment through the XXXX XXXX XXXX XXXX ( Michigan ) small claims court, reference number XXXX ( this is all in the public record, no personal info ). I called the court using the contact information provided and after the usual debacle of bureaucracy spoke to a very helpful clerk who was able, at last, to pull the relevant file. It appears this is a judgment against a XXXX XXXX with no DOB or other identifying info made back in XX/XX/XXXX. She dug deeper and found the court attempted to garnish wages from the Department of XXXX, but received no response from that institution and the case just sort of died there. 

My name is also XXXX XXXX. I did indeed live in XXXX for one year, from XX/XX/XXXX to XXXX of this year, but in XXXX XXXX ( XXXX XXXX ). This is clearly a different XXXX XXXX, but for some reason this item has started appearing on my credit report. I would like this corrected immediately but gave up after almost an hour on hold with TransUnion. I do n't really have the time to actively pursue this at the moment ( I work as XXXX ), so I thought enlisting your help might be more efficient ( I remembered this agency because I was a candidate for XXXX of your fellowships earlier this year ). 

Thank you in advance.
Product: Debt collection

Received a notice for {$100.00} for a express lane violation ( never received the ticket ) when the ticket was for {$28.00} what was the other {$75.00} for? The letter does not say and because I was driving the car and it is registered in both my husband and my name the collection notice came in my husbands name, meaning they would not speak to me and explain the amount. Thought they were required to have that on the paper no hidden fees?
Product: Credit reporting or other personal consumer reports

I noticed billing errors on my credit report showing late payments that don't match my typical record. Please fix these inaccuracies and update my account.
Product: Credit reporting or other personal consumer reports

I have had items deleted from my credit report. It doesnt Show on XXXX but shows on my transunion and XXXX XXXX According to consumer law all bureaus need to report 100 % accurate information. So if XXXX deleted it why Havent the other bureaus either.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXXXXXX has an Hard inquiry on my credit report and I never done business with this financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I a few months back sent a letter to LVNV FUNDING ACCT XXXX XXXXXXXX {$550.00} The account was origianlly owned by XXXX XXXX i followed protocal and sent them my affidavit. While, XXXX XXXX followed suit and deleted the account LVNV Funding decided to rereport the debt. Despite the fact i informed them this isnt my account im asking for a removal of this account.
Product: Credit reporting or other personal consumer reports

Improper inaccurate reporting.fraudulently 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On  XXXX   XXXX ,   XXXX   I was alerted that I have a collection notification on my credit report.     For the amount of {$690.00} from Collection Agency : MIDWEST RECOVERY SYSTEMS, This is the first i 've ever heard of this. I 've never not paid a single debt I had. I 've googled MIDWEST RECOVERY SYSTEMS and this seems to be a fraud / scam collection company placing unwarranted reports on multiple peoples credit report.. I 've never received a phone call, an email, a letter. NOTHING and this magically appears on my equifax report.     This is 100 % identity theft or some sort of scam as I do not own this debt.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT HISTORY AND CAME ACROSS FRAUDULENT TRANSACTION, PLEASE REMOVE THOSE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Product: Debt collection

The amount is crazy. Plz make it manageable. And your company said no actions tooking just to get off property.