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

XXXX EST So I called Citi and somebody asks me why I am disputing I attempt to read to them the refund policy of the website and immediately met with hostility by this women who interrupts me and starts talking over me. I told her I am done talking to her and asked her name, she refused to give it to me and kept babbling on some XXXX about how she was trying to help. This is tortious interference, customer service acting like fools and waiting time, making it impossible for me to reasonably launch a dispute.
Product: Credit reporting

Several disputes have been file with Experian but they continue to show inaccurate information. They show Wage Earner plan with XXXX XXXX XXXX and XXXX XXXX. I sent documents showing the hose sold and they continue to report information that is not accurate. I have a Chapter XXXX voluntary dismissal. I won a XXXX case and withdrew the filing. they hire a third party document researcher who sans documents and eliminates the facts. This is wrong and they refuse to correct the issue,
Product: Debt collection

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Product: Credit reporting or other personal consumer reports

I am writing to address significant discrepancies I have identified on my credit report regarding the XXXX XXXX XXXX  account. It is imperative that you promptly remove this entry from my records to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit reports from XXXX, XXXX, and XXXX, I have noted several inconsistencies related to the XXXX XXXX XXXX account. According to the official XXXX XXXX XXXX obtained from XXXX XXXX, the balance on this account is {$XXXX}, whereas you are reporting a balance of {$XXXX}. Additionally, I found disparities in the reported account open date ; you indicate XX/XX/XXXX, while XXXX report XX/XX/XXXX. Furthermore, you state the XXXX XXXX XXXX  as XX/XX/XXXX, whereas XXXX shows XX/XX/XXXX and XXXX XX/XX/XXXX. The Last Payment date you report is XX/XX/XXXX, whereas XXXX and XXXX XX/XX/XXXX. I have highlighted these discrepancies in yellow in the document enclosed. 
Enclosed with this letter, please find a copy of the XXXX XXXX XXXX from XXXX XXXX and a copy of my credit report illustrating these discrepancies. 
XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Lease Lease XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$XXXX} {$XXXX} {$XXXX} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$XXXX} {$XXXX} {$XXXX} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$XXXX} {$XXXX} {$XXXX} Credit Limit : {$XXXX} {$XXXX} {$XXXX} Past Due : {$XXXX XXXX XXXX  Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Repossession Merchandise was taken back by credit grantor/there may be a balance due. Involuntary Repossession Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inaccuracies are materially impacting my credit score and financial standing. Therefore, I insist on immediate action to completely expunge this account from my records. 
I request the following corrective measures : Complete removal of this account from my credit record. 
I expect your prompt attention to this matter and respectfully ask that you provide me with a complimentary copy of my updated credit reports once the account deletion is finalized. 
Thank you for your cooperation and swift resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX XXXX BREACH. 

This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed
Product: Mortgage

Rocket Mortgage/Quicken Loans like to do the bait and switch. I applied for a XXXX mortgage loan. I was then contacted by XXXX XXXX who said that he would need to run my credit and upon finishing that, I was PRE-APPROVED! Now to ensure everything would be ready when I found my dream home, I would need to submit all my documents and provide all my personal information to go ahead and close on the loan now. I was quick about providing everything and they even set me up with a realtor to " start looking for my dream home ''. I decided to download the app to stay on top of everything and found the loan amount to be around XXXX. I immediately called XXXX and asked what was going on because we discussed XXXX but that is not showing on my portal. He put me on hold and " pretended '' to be confused as well. He then tells me that my credit does not support a XXXX loan and it won't be able to be closed. Why was this not disclosed before I provided all of my personal information and documents? 

I ask XXXX why this happened and why he was not honest about the amount I was pre-approved for and he states that the change happened in another department. What?! It made no sense. Needless to say, I ended my business with them immediately. A month later I get a text asking for permission to run my credit to get me to closing ... .what??? You guys are trying to trick me again, I tell them they do not have permission and that I did not appreciate the bait and switch just to gather my most sensitive and personal information. The " senior '' specialist named XXXX XXXX said he was " Sorry I feel that way. '' I informed him it was not a feeling but what actual transpired. I am filling this formal complaint so others are aware of these unethical practices. No one should be lied to, just to gather personal information and then offered almost half of what was originally offered via " pre-approval ''.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries, that i do not recognize on my reports dated XXXX Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 I contacted these Credit Breaus one by one saying these Inquirys were not authorized by me and i dont recognize them, their reply is call the place that made the inquiry which i did and they said call the credit breaus they are the one to remove them so i am being thrown around like a ball.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a mattress from XXXX XXXX XXXX in XXXX XXXX, Florida. I financed {$1100.00} with Acima Credit. I paid the balance before the 90 day deadline. I had a credit report last week that says I owe {$1600.00} to Acima. I called Acima yesterday and they said I do not owe anything. I never owed {$1600.00} to Acima. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 the following derogatory marks and collections were added to my credit report per XXXX, Transunion and XXXX reports ; XXXX XXXX XXXX Amount {$2800.00} XXXX XXXX XXXX Amount {$300.00} XXXX XXXX Amount {$560.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX- {$970.00} Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused bill at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to, has violated my rights as a consumer and I'm requesting legal action to remove this account from my credit report immediately.
Product: Debt collection

I want to have all inquiries deleted immediately because I did not authorize these companies to run my credit and it is fraudulent.
Product: Debt collection

I signed up for solar panels to be installed at my home bill swap was the program. The company ( XXXX  XXXX  ) went bankrupt. Sunlight financial ( XXXX XXXX XXXX  ) had still been drawing payments from my account. I disputed those payments with my bank after calling them for months asking for resolution. I started the r gram XXXX of XXXX. No one ever came out to finish the job and I followed up with mid XXXX who verified they never even applied for bill swap. Sunlight told me XX/XX/XXXX they do not know what they are going to do with all the customers like me that were in process. Bottom line they did not fulfill the contract and I havent received the services.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting or other personal consumer reports

These accounts were not opened by me, and I suspect them to be unauthorized. I urge you to conduct an investigation and eliminate them from my credit report. I have submitted supporting documents to validate my assertion.
Product: Credit reporting or other personal consumer reports

Recently I Looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX, Number Account XXXX
Product: Credit reporting or other personal consumer reports

This communication serves as a follow-up to my previous complaint. As a victim of fraudulent activity, I am hereby requesting the expedited removal of certain items from my credit report, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). This statute requires the deletion of such entries no later than four business days after XX/XX/XXXX. I have previously addressed this issue in my correspondence and an FTC report, now underscored by a newly submitted FTC Report XXXX XXXX. The continued presence of these items, which remain unfamiliar to me and have been removed by other bureaus, casts doubt on their legitimacy. Listed below are the details of the items in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This notice, while a follow-up, is also a formal complaint. Should these items not be removed, I am prepared to initiate legal proceedings. My legal counsel is fully aware of my intentions and stands ready to pursue litigation in response to your noncompliance. I am issuing this as a renewed request for the eradication of entries linked to alleged fraudulent activity.
Product: Credit card

I am writing to formally file a complaint regarding my Capital One credit card account, which has become increasingly difficult to manage due to the excessively high interest rates and escalating fees. Despite my ongoing efforts to resolve this issue with Capital One, I have not received a fair or reasonable resolution to my situation. 

For the past several months, I have contacted Capital One repeatedly in an attempt to negotiate a solution. I have specifically requested options to lower my current XXXX XXXX interest rate and to arrange a more sustainable monthly payment plan. Unfortunately, the only options provided have been short-term solutions that do not address the root issue : the unreasonably high interest rate and the growing balance, which I am unable to pay down effectively. 

Furthermore, I have consistently requested assistance through your hardship program, but these requests have been denied or ignored, and no suitable alternatives have been offered. The payment plans presented are not affordable given my financial hardship and are not in line with my current situation. My requests for a settlement have also been denied, and I was informed on XX/XX/year> that my account will continue to incur additional fees until it is charged off. 

At present, I am XXXX payments past due, and the balance continues to increase due to accumulating interest. This has placed me in a distressing and financially unmanageable position, and I am unable to make the required payments under the current terms. The lack of support or reasonable alternatives provided by Capital One has left me feeling helpless and unheard.
Product: Money transfer, virtual currency, or money service

Our customer paid us on XX/XX/2022, and Venmo took out the transaction fee ( 1.9 % + {$0.00} ). Their system requested input of either our XXXX or XXXX. When I type in either of these numbers, the system returns with a message This number doesn't match what the IRS has on file. I confirmed the number with IRS and I am certain my SSN number is correct. Venmo has placed our account on hold. 

After several conversations with their support staff it has been verified that the problem is on their end and they have assured us that their engineers are working on the problem. 

After a month of going back and forth, I requested Venmo to send a check to the address on file for the balance of the money in the account. They have refused and the only choices I was given was to either wait until your engineers fixed the problem or cancel the order and request the customer repay another way. Unfortunately, neither of these options are reasonable choices for our company. 

I contacted a lawyer and they sent a letter to Venmo. They ( Venmo ) basically responded they were in receipt of the letter and as soon as the engineers fixed the problem they would contact me. They also agreed to forfeit the transaction fee when the problem was resolved. Venmo has not given me or the lawyer a date as to when this problem will be resolved. 

Today is XX/XX/XXXX and my account is on hold and Venmo is still refusing to refund our money and they are refusing to send the money via check and again not provided a date when I can except this problem to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX, XXXX  XXXX   XXXX, XXXX XXXX, XXXX.
Product: Vehicle loan or lease

I got a loan with this company in 2018 and my payments were gon na be around XXXX with a apr of XXXXhis was a XXXX dollar car afther I wouldve paid nearly XXXX on the car .I was unemployed due to Covid and could make the payments .The car was repossessed on XXXX XXXX .The agent stated that their was notices sent to my house in regards to this .The agent was lying because I changed my address to the correct address before they even repossessed my car .I also know the people who live at the previous address they are my cousins .I stated I want all this documentation to sent to my house in regards to this matter because I wasnt informed after the repossession about getting my belongings or anything XXXX wasnt even informed about the auction .This company charge a interest rate of XXXX when the lXXXX rate is XXXX percent.
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 XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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: Vehicle loan or lease

XX/XX/2023 at XXXX XXXX  I called Westlake portfolio to ask for my contract on my lease on my vehicle and they told me that they did not have a contract for my car and i ask why would i pay someone who I don't have a contract for, and the man stated that will repossess my car. I don't agree with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX & XXXX is reporting me late on my credit report when in fact my credit cards were compromised in the months of XXXX, XX/XX/XXXX, and XXXX of XXXX. 
I contacted XXXX XXXXXXXX XXXX and explained what was happing to my accounts. The representative disputed the charges and informed me that I was not responsible for making any payments until my account issues were resolved. I was also informed that I would be notified when to resume my payments. I was never notified by XXXX XXXX when payments resume. Because my bank account was compromised as well when capital one resumed collecting payments it was from a bank account that was already closed which resulted in them reporting my accounts as late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows late payments on XXXX XXXX XXXX & XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to do a pay for delete with a credit card that I had with XXXX XXXX/ XXXX XXXX. I paid an account off in XX/XX/2019 that was charged off to collections. After paying the account off XXXX XXXX did not delete the account like they said they would.
Product: Consumer Loan

I remitted a payment to payoff the balance of my car loan with Toyota Financial Services on XXXX XXXX, 2016. According to TFS, on XXXX XXXX, it was determined that my payment could not be processed. I received no notification from TFS that they had failed to process my loan payoff until a letter was sent to me on XXXX XXXX, 2016 ; in fact, I logged in to my online account portal several days after the date of my first attempt to pay off the loan to confirm that my account had been closed. The online dashboard indicated that my account had been paid in full and was closed. 

In the meantime, despite the fact that I was enrolled in automatic payments, had never previosuly missed a payment on the loan, and have good credit. TFS did not process my loan payments per the normal schedule for XXXX or XXXX. They did not inform me of this payment processing change until I received my next statement on XXXX XXXX, 2016. The statement indicated that TFS had imposed a late fee on the XXXX " missed '' payment, and confirmed over the phone that TFS had reported the " delinquency '' to the credit bureaus.
Product: Mortgage

We pay additional principal on our mortgage and designate it as such, as allowed by our mortgage agreement. Ditech, our mortgage servicing company, continues to hold our funds without applying them to principal. This continues in spite of our requests to them to apply our payments as required by the mortgage agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX  XXXX, OH XXXX
Product: Debt collection

I made a settlement with exterr finance and the company updated it as a charge off please delete the debt because its settled
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting lates that I should not have. I changed my payment date from the XXXX to the XXXX and this is an error on their part. I have had this account for 15 years and have not had a single delinquency until now, which is not my fault.
Product: Vehicle loan or lease

I had a lease with GM financial which I extended for 6 months. I was able to lease a new car in XXXX, 2018 so I returned the car on the existing lease in XX/XX/2018. However the dealer, XXXX XXXX XXXX in XXXX, MA did not process the transaction to close the original lease so GM contacted me regarding the status of the lease. I informed GM on XX/XX/18 that I returned the car to the dealer and had entered into a new lease which GM does have that information. However, GM has not reached out to the dealer to complete the transaction to close the lease. Rather GM continues to harass me with telephone calls and letters. I have tried on several attempts to resolve this with GM but can not resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are reporting inaccurate XXXX  days late. I was never XXXX  days late on the following accounts : XXXX XXXX XXXX XXXX days in XX/XX/XXXX XXXXXXXX XXXX XXXX  days in XXXX, XXXX, XXXX and XX/XX/XXXX 2020