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

I purchased a bed frame from XXXX XXXX XX/XX/XXXX and when it was delivered it came in an open box with missing parts and missing instructions. I called the store to have them replace the item and they said they would but failed to pick up the item and give me a credit. SO I called my credit card and opened a dispute. When I did this Citi sent me a letter requesting some information and I immediately filled out the letter and sent it back in by mail as this was the only option given to me. During that time I received an email on XX/XX/XXXX stating they have received my letter and would have an answer shortly. The next day XX/XX/XXXX, i was told I did not mail the letter and declined my claim. I called them about it and they hung up on me twice before I was able to have the case reopened. 
I am shocked and disturbed th
at Citi card actually allow merchants to give broken/incomplete items to its customer. I have had to make over 7-8 different calls and send written letters to make my case. This is a perfect example of how a credit card makes it hard to place a dispute, they are not protecting their customers at all. This is a stalling/deterring tactic so consumers can be taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX  years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : Fill in the accounts you want to be disputed, and be sure to add the account numbers with each account. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX XXXX XXXX  ( per XXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Checking or savings account

This Is the second time they have done this within 3 months now it has to be intentionally done at this point I know exactly what I spent I kept track of it all. EVERY TRANSACTION LAST MONTH WAS FINE didn't matter if I used it online OR in a store my funds available quickly moved at the same time of purchase. 

Starting from XXXX to XXXX every transaction was processed late. I wasn't negative when I took money out the atm or when I ordered food prior to this. It's unfair to keep processing OUR transactions late A executive handled this for me before and assure me it shouldn't happen again well here we are! 

I just want a good look at my account and make a fix I'm not taking {$300.00} of overdrafts because YOU GUYS insist on doing this to customers. I saw the class action settlement I like my bank but this isn't right. 

To be fair YES I did overdraft my account but absolutely not {$300.00} worth it's like it's being intentionally done so you end up losing later
Product: Payday loan, title loan, or personal loan

On XXXX XXXX XXXX we bought a new air conditioning unit. The company XXXX XXXX XXXX XXXXXXXX offered us a XXXX interest payment plan serviced by Wells Fargo. We had to pay the full amount by XXXX XXXX XXXX. 

We set up automatic payments of {$310.00} a month, knowing that we would have to send additional payments prior to the deadline. We never missed a payment. A few months before the deadline we made XXXX additional payments of {$1500.00} ( XX/XX/XXXX ), {$500.00} on XX/XX/XXXX and {$620.00} on XX/XX/XXXX. We also set up extra payments for XXXX and XXXX for {$310.00}. Just to be sure we were covered I sent an extra {$3.00} on XX/XX/XXXX. 

So imagine our surprise in XXXX of XXXX when we saw a charge for {$310.00} come through our bank app. I called and found out that Wells Fargo did not take the extra XXXX autopayments of {$310.00} because they said their system only accepts minimum payments so they did not process the XXXX extra auto payments. 

Because their system did not accept the payments, they were charging us {$3600.00} in back interest. 

I opened a complaint and they are agreeing to waive {$1700.00} if we pay {$1800.00} by XX/XX/XXXX. 

I consulted a lawyer who advised that I pay the balance because Wells Fargo is famous for messing up people 's credit. I have had an XXXX credit rating for several years. WE paid on-time the whole duration of our agreement and made a good faith effort to pay the balance. Wells Fargo 's website is very misleading.
Product: Debt collection

I have just checked my credit report and I saw a debt collection from a company I do not owe any money to. They have never sent me any letters. They have not let me verified this debt. There was no communication from the debt collector. I have no contract at all with  Diversified Consultants Inc.
Product: Credit card or prepaid card

I am unable to activate the EIP card from the Money Network. This means I can't access the money the government wants me to have!!!
Product: Debt collection

XXXX XXXX  XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Also the late remarks doesn't report consistently with the other bureaus. I really want this to be deleted since I was disputing this for a long time.
Product: Vehicle loan or lease

XX/XX/XXXX my XXXX XXXX XXXX was repossessed by XXXX XXXX XXXX XXXX. The lender was Capital One Auto Finance. When we picked up the vehicle after paying all the outstanding fees we noticed it didn't have power steering. We filled out a notice of damage form from the vehicle storage where the vehicle was stored after the repo. 
We had it looked at by XXXX XXXX XXXX and provided a estimate to repair the damages. We contacted Capital One Auto Finance and submitted the claim. They denied the claim stating we submitted the claim too late and there is nothing they will do. The vehicle is worth XXXX and the damages were estimated at XXXX. In addition they reported the loan as charged off on me and my wife 's credit reports.
Product: Debt collection

I am a XXXX XXXX XXXX resident. Received this week a lien on my account for {$1000.00} for an amount due to XXXX of {$5600.00} for a XXXX DEBT apparently. I have not had a XXXX account in over XXXX plus years yet they were able to get into my account without a legal document presented to me. This morning XXXX XXXX XXXX put a double lien on my account for {$9800.00}. I had less than {$4000.00} in my account. Now I can not use my banking account as it is blocked and overdrawn for {$9800.00}. I have asked the law firm XXXX, XXXX XXXX  XXXX to provide back up documents and have not heard. They said they had to ask XXXX. They should have had this already if they put a lien on an account. They claim to have had this since XXXX. Even if there is a debt it is way beyond the XXXX XXXX XXXX Statue of Limitation and they refuse to hear this. They simply say pay the debt. I will not pay on something I do not remember. 

I have no records dating back XXXX plus years. I want my account restored but XXXX XXXX XXXX who says I have to resolve it with the suing law firm. The law firm refused to work with me. I would first like to complain about the credit collection agency that after 20 years want to put this into collection. 

Company submitting the lien is : New Century Financial Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX XXXX, ext. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting a credit score of XXXX for a clear reasons. My score with XXXX XXXX is more than XXXX points higher and with XXXX more than XXXX points higher. This is per se evidence of arbitrary and capricious rating that is unduly deleterious to my quality of life. The discrepancy without good reason points to discriminatory and predatory business practices on the part of equifax. No doubt, equifax, in its position of inordinate power will have ostensible reasons for the very low score. I do not have a perfect credit history. But I have rebuilt my credit over the past decade and deserve to enjoy the fruits of that hard work and good credit wielding practices. The major discrepancy in my scores speak for themselves. Further, the system itself is broken and discriminatory against people who have struggled with poverty and unemployment in the past. The system is corrupt and unamerican. I demand equifax adjust my report to reflect my recent excellent credit worthiness. Further I demand reform possibly only by further regulation and more aggressive enforcement on the part of my government.
Product: Vehicle loan or lease

On XX/XX/XXXX, I traded in my leased XXXX XXXX XXXX for a XXXX XXXX XXXX. Honda of XXXX XXXX agreed to pay off the XX/XX/XXXX lease, waive the lease termination fee because I was leasing another vehicle, and that any wear and tear was within the {$500.00} damage waiver. In approximately XX/XX/XXXX, I began receiving telephone calls from XXXX XXXX XXXX at home and at my place of business, purportedly relating to amounts owing on the XX/XX/XXXX lease. I was provided no documentation of any such purported debt and the burden was placed on me to obtain information of the amounts Honda was seeking to collect. I contacted Honda Financial Services, who placed the burden on me to document that I relinquished the XXXX XXXX on XX/XX/XXXX in connection with leasing a new vehicle. I provided all documentation in my possession regarding the transaction, which shows that I traded in the XXXX XXXX for a new vehicle on XX/XX/XXXX. Nothwithstanding, Honda Financial Services demanded that I obtain the Vehicle Return Receipt from Honda of XXXX XXXX, which provided a document falsely stating that the vehicle was returned on XX/XX/XXXX and identifying the " dealer '' as XXXX XXXX XXXX, an entity I have never dealt with or even heard of. Honda Financial Services refuses to accept my documentation, refuses my requests to document " excess wear and tear '' above the {$500.00} waiver, and in the meantime, I continue to be bombarded by phone calls from XXXX XXXX XXXX.
Product: Checking or savings account

A few years back an account was open under my name without my knowledge.The account was overdrawn and charged off. When i had found out I notified them and reported it as identity theft. I got a letter in the mail saying that I was not responsible for it and will be able to open a new account if I wanted to. To this day i am still not able to open an account with them which is very frustrating and not fair!!
Product: Debt or credit management

The company charge me upfront fees and other fees if payment was late from XXXX.
Product: Money transfer, virtual currency, or money service

Celsius held my cryptocurrency, promising interest. They have prevented me from withdrawing my crypto, and have now field for bankruptcy. I was lead to believe that eg : >funds are held by third-party custodians such as XXXX and XXXX. Customers assets are protected by both companies, as safe as a bank.
Product: Debt collection

In XXXX of XXXX I decided it was time to repair my credit and buy a house. I had several outstanding credit card collections that needed to be paid off. 
Midland Funding LLC had three of those collections. In order to pay off all my collections I took out a high interest personal loan at the end of XX/XX/XXXX. On XX/XX/XXXX I called every single collection agency on my credit report and paid every one of them with the exception of the one in question. 
On XX/XX/XXXX I paid Midland Funding LLC for 2 of the three collection accounts. 
First one was for {$290.00} and the second was for {$740.00}. 
The 3rd one I couldn't pay, they told me that because it was already entered in a Judgment, they couldn't receive payment. I called every payday from XXXX until the end of XXXX trying to pay this debt and finish my credit repair. Every time I called I was told its still in the legal department and can't make a payment. At this point I was starting to get upset and frustrated with Midland Funding. In early XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX of XXXX County in XXXX Arizona stating the Midland Funding LLC " acknowledges receipt of goods '' and was " a full satisfaction of judgment ''. 
Fast forward to today, XX/XX/XXXX, I am in the middle of a home purchase where escrow closes on XX/XX/XXXX and my lender called me to say Midland Funding is now saying I owe them {$1200.00}. We ( mortgage company and me ) thought that with the letter from the court they would fix this. I argued on the phone with a Midland Funding rep for over an hour. I finally was so upset that I said I would just pay the balance because I need to get this fixed so I can move forward with my home purchase. I was then transferred to XXXX, what they keep calling the legal department at Midland Funding. I explained to the new representative that I just wanted to pay the balance. He looked up my account and then asked " you live in Oregon? '' I said " yes ''. He then proceeds to tell me that he can not accept payment because XXXX is not authorized to collect in Oregon. 
I am making this complaint because it is urgent that this is taken care of or my home purchase could fall through and I already gave my landlord my 30 day notice back on the XXXX of XXXX. I am desperate and have really been trying to pay this for almost a year.
Product: Debt collection

XXXX XXXX XXXX, XXXX, placed a collection account on my credit report. I disputed the debt with the credit agencies. I requested verification of the debt, signature pages, and payment history of the account. XXXX XXXX has not provided this information, but did provide a one page with information about Synchrony Bank being the original debtor. This debt was forgiven in XXXX  and a 1099C was issued.
Product: Checking or savings account

In late XXXX of XXXX I opened a checking account with Central Bank because of a promotional offer that they were running. After opening the account, I received an email from XXXX XXXX from Central Bank stating that they needed more information about the promo code that I used. He explained at the time that I opened the account, the entire promo code did not get copied over to the account. All that was copied over was XXXX when the entire code was XXXX. During our email he stated Thanks XXXX, that is exactly what I needed. The entire code didnt get copied over with the account and emailed me the fine print for the offer. The bank is not honoring their word ( or terms ) and saying now that they will not honor the promotion, nor switch the promotion to the code that is on their website because they suspect that I got the code from unauthorized 3rd party website, however the terms of the offer do not state of such limitations or restrictions regarding the offer. XXXX XXXX at the XXXX, KS Central Bank Location called me at XXXXXXXX XXXX on XX/XX/XXXX to tell me that I am not eligible for the offer even if I complete the terms because the employee, XXXX XXXX, ( that emailed me on XX/XX/XXXX and told me that the code is exactly what [ he ] needed and sent me the terms to the offer ) believes that I got the code from a unauthorized 3rd party website.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to remove an inaccurate address and a collection account from my credit report. Despite multiple efforts and clear evidence supporting my claims, these inaccuracies persist, causing severe harm to my financial reputation and personal security. 

I discovered an incorrect address listed on my credit report. This address is not associated with me and does not reflect my current or past residences. Its inclusion on my credit report is erroneous and misleading. 

In addition to the inaccurate address, I also identified a collection account on my credit report. I have never had any dealings with the creditor in question, and the presence of this collection account is negatively impacting my creditworthiness and financial opportunities. 

Upon discovering these inaccuracies, I initiated disputes with your organization by following the standard dispute resolution process provided on your website. I submitted all required documentation, along with a request for the removal of the inaccurate address and the collection account. However, my initial disputes were not resolved in my favor. 

Frustrated by the lack of resolution, I made several follow-up attempts to dispute and correct these inaccuracies. I provided additional evidence, communicated with your customer support, and sought assistance from your representatives, hoping to rectify this situation. 

Despite my continuous efforts to correct these inaccuracies and provide irrefutable evidence supporting my claims, I have not received a satisfactory resolution from your organization. The presence of the inaccurate address and the collection account continues to adversely affect my credit score, hindering my access to financial opportunities. 

I demand immediate action to rectify these inaccuracies on my credit report, specifically by removing the inaccurate address and the collection account. It is vital that my credit history accurately reflects my financial record, and any inaccuracies should be rectified without further delay. I also request written confirmation once these corrections have been made. 

Failure to address this matter promptly not only jeopardizes my financial well-being but also undermines my trust in your organization 's commitment to accurate credit reporting. I am asking for your immediate assistance to remove the following fraud items in my credit XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}.
Product: Debt collection

XXXX  XXXX XXXX contacted me via telephone stating they had a judgement enforceable for 20 years based on an American Express credit card account established during XXXX and closed XXXX with a balance of XXXX. I contacted American Express security and they confirmed that such an account exits having my credentials. This account was established by someone other than myself of whom I have no knowledge. 

The account was transferred through multiple organizations before purchase by XXXX. ( XXXX ) When I requested a copy of the judgement from XXXX  at the above number, the collector admitted that they did not have a judgement and had not filed any case in any civil court. 


Contact XXXX Thank you for your interest in contacting us. We are open regular business hours and do our best to return calls, emails and web messages as soon as we can. If your matter is urgent, please be sure to call us during the day, Monday through Friday from XXXX to XXXX. 

Mailing Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Send us an Email : XXXX Call Us : ( XXXX ) XXXX