23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Early in 2021 I decided to use Klarna to purchase an electric skateboard. They offered financing that seemed favorable at the time. There was a dispute with the merchant which I reported to Klarna. This event triggered the auto pay that I set up to be paused. The dispute was eventually resolved and I received my skateboard. Since their system automatically disabled my auto pay it was a reasonable assumption that their system would also reactivate the arrangement. Little did I know that I was falling behind on payments. 

In the meantime, after the fairly positive experience, I made several other purchases using Klarna. Their app aggregated the monthly payments of the various transactions I made using Klarna. Over several months, I received emails stating that my payments were being deducted and I received an email every time I paid off a purchase. 

Several months after I made the skateboard purchase I received an email or call notifying me that I had been sent to collections. As far as I knew, I was making the payments for all the purchases I had made. If Klarna had sent emails regarding the skateboard purchase was falling behind they were overshadowed by the successful payment emails that implied my good account status. Klarna did not contact me before putting my account in collections. Of course I initiated a dispute but they had already referred me to a 3rd party so it isn't surprising that my dispute went nowhere. I should also point out that while I was missing payments to that single loan, Klarna continued to offer me higher and higher purchase amounts and approving transactions ; this further contributed to my perception that all was well. 

They claimed that I stopped the payment agreement to that initial loan. They however can not provide proof that I authorized any such action. On the other hand, I have an email that was sent to me when I initiated a dispute against that merchant that explicitly says that they were pausing my payment arrangement. They screwed up and then sent me to collections without notifying me. They have not taken any steps to undo their referral to collections.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed a fraudulent account on my credit reports. I do not recognize this account, nor did I authorize this account. Please remove this fraudulent account from my credit report, it is hurting my credit score and making it hard for me to obtain credit. 

The fraudulent account is XXXX XXXX XXXX  with the account number XXXX with the balance of {$73.00} reporting.
Product: Debt collection

This credit card was open in my fraudulent and I summited the police report and information to creditor and it was remove from my report expect XXXX.
Product: Vehicle loan or lease

I am currently in the process of buying a XXXX XXXX XXXX ( Vehicle-ID XXXX ) with Carvana LLC. Everything for the loan is done, my income is verified, I signed the contract electronically and I requested delivery of the vehicle for XX/XX/2019 or XX/XX/2019. The only thing that is missing, is the bank confirmation, that the required down payment of XXXX ( XXXX XXXX ) $ is not currently in my account available I am out of State and will return on XX/XX/2019, and the XXXX $ will be available on XX/XX/2019 early in the morning. Carvana does not charge the account until the vehicle is accepted by the customer, so I asked their Customer Service Person, to please hold the vehicle until XX/XX/2019. I was ( pretty rude ) told that they can not do that and I should look for another vehicle and then go through the procedure again. I know for a fact from a friend of mine who bought a car from Carvana, that they did exactly this -holding a car for 6 days. ( I will get a written statement from my friend ) BTW-Carvana provides delivery service between 5-15 days after the deal is done. It would cause me a potentially very substantial financial loss, if Carvana could not hold the vehicle until XX/XX/2019. Actually it would only be an extra 2 days from their normal delivery date.
Product: Mortgage

Mortgage company refuses to take stop foreclosure to allow borrower to modify loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I  am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXXXXXX XXXX XXXX XXXX FL, XXXX-XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX-XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, FL XXXX -XXXX XXXX XXXX XXXX FL, XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , XXXX -XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX  XXXX SC , XXXX- XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX  XXXX XXXX  MD, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX VA , XXXX-XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses.

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX , XXXX, FL XXXX-XXXX Please delete the above disputed items and ( 30 )  days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX promotes paperless billing and provides an online and mobile app for customers to access payment information. 
XXXX XXXX online billing and payment history did not ( and still does not ) provide correct information regarding a payment on my account : Payment of {$410.00} made on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX statements. 
XXXX online billing and payment history shows XX/XX/XXXX payment of {$410.00} as a processed payment, provides a confirmation number, as well as a green check-mark, just as all other payments that have been made. This payment was actually returned due to NSF from my bank. I did not receive notice from XXXX XXXX. 

This misinformation led me to believe my account was up to date. In reality my account was past due from XX/XX/XXXX through XX/XX/XXXX, and two 30 day delinquent payments have been reported to credit agencies for months of XX/XX/XXXX and XX/XX/XXXX. It also caused continued late fees and interest to build on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX / ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I disputed the incorrect balance amount with Experian in within XXXX minutes later, I received a response that the amount was correct when its not. How can you dispute something so quickly in XXXX minutes when the debt collector office closes at XXXX. 

I am concern with Experian dispute process because it seem like they do not call or further investigate the company and send automated updates. 


Attached is the correct amount owed which is {$920.00}, as opposed to {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an issue that I have been encountering with XXXX XXXX XXXX, XXXX, TransUnion, and XXXX. The essence of my complaint revolves around the false and inaccurate reporting of an unsecured loan attributed to me by XXXX XXXX XXXX, a " credit services organization ''. 

In documentation provided by XXXX XXXX XXXX they openly acknowledge, " XXXX XXXX XXXX XXXX DBA XXXX ( XXXX XXXX ) acts as an intermediary between a Lending Partner ( the Lender ) and you in connection with Loans made by the Lender ... XXXX XXXX  does not make Loans or provide credit counseling or credit repair services. ''. Additionally, they confirm that they do not directly or indirectly extend credit to consumers, which is consistent with California Civil Code Section 1789.13 ( p ) It is therefore illogical and factually incorrect for them to report an unsecured loan on my credit report when they themselves concede that they do not provide loans. This information is not only materially false but also breaches the Fair Credit Reporting Act, 12 CFR 1022.41 ( a ), as it misrepresents the nature of my relationship with XXXX XXXX XXXX. 

Moreover, the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ) ( 1 ) ( A ), prohibits any person from providing information about a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. Given the above assertions, it is clear that XXXX XXXX XXXX, XXXX, TransUnion, and XXXX, have violated this regulation by insisting on the validity of the unsecured loan. 

Despite my efforts to resolve the issue by disputing the inaccurate information XXXX, TransUnion, and XXXX insist that they have 'verified ' the information, an assertion that I challenge based on the legal definitions of " Verify '' and " Verification ''. As per XXXXXXXX XXXX XXXX XXXX XXXX XXXX, " VERIFICATION '' is defined as the " Confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition '', and " VERIFY '' is to " confirm or substantiate by oath ''. It's clear that the verification process necessitates a formal oath or a similar legally-binding assertion, which I find doubtful in this context. 

And if for no other reason, the account should be deleted as a matter of privacy, which congress has stated is my right.
Product: Mortgage

This is a complaint against Nationstar Mortgage. I am a bankruptcy attorney and often represent clients in Chapter XXXX bankruptcies. Nationstar is constantly sending notices like the attached directly to my office even though they are given directions and provided authority to send these notices directly to the client. Despite these authorizations, Nationstar consistently tells their customers that they " ca n't talk to them '' about their own mortgage simply because they have an attorney representing them in their bankruptcy case ... despite the fact we have given them specific permission to deal directly with the client on these matters. However, what 's worse is that typically the notices they send have our office 's name on them and GIVE NO INFORMATION CONCERNING THE CUSTOMER THEY ARE ADDRESSING THIS TO. Note on the attached Notice that they address it to myself, the attorney, but nowhere indicate who the client is or even what the account number is. The notice is worthless as I ca n't even forward it since I have NO IDEA what customer this pertains to. Then, they send this worthless Notice by UPS, signature required. When I speak to their office, I get representatives who do n't know what their talking about, ca n't answer questions and then often tell my office that they ca n't deal with me, they can only DEAL DIRECTLY with the customer ( after they 've already told the customer that they CA N'T TALK TO THEM ). This company needs to go out of business.
Product: Vehicle loan or lease

RE- Lease of XXXXXXXX XXXX XXXX XXXXXXXX VIN # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX I handed back a XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX to Mercedes Benz XXXX XXXX XXXX XXXX condition with XXXX miles on the clock and an overpayment of over XXXX XXXX plus {$1800.00} early pay off fee which I was told by XXXX XXXX over a recorded phone line in XXXX would be waived. 

Since dropping back the leased car, I have contacted Mercedes Benz USA, Mercedes Benz Finance and Mercedes Benz XXXX by phone and email on several occasions over the last couple of months trying to recover my overpayment of {$16000.00} plus {$1800.00} early payoff fee which I was told would be waived but was subsequently charged to my account. See enclosed closing statements which clearly show the overpayments. 

I have tried to get a resolution to the problem over several months sending emails and contacting Mercedes Benz on numerous occasions. I opened a case complaint with XXXX XXXX XXXXXXXX see enclosed but almost 5 months since I handed back the car we have not received the overpayment refund that is owed to us. It seems, Mercedes Benz does not dispute the monies that are owed this is clear in the closing statement, but they seem to dispute which department of the company owes us the money.
Product: Credit reporting or other personal consumer reports

I'm in the process of buying my first home and I went to review my Consumer Report with XXXX to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccurate late payments actively being reported by XXXX XXXX XXXX XXXX XXXX 

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states that " transactions '' ( payment history ) and " experiences '' ( utilization ) are EXCLUDED from being reported on my Consumer Report! This is a serious violation of my rights as a consumer and has negatively impacted my ability for credit extension in order to buy my first home!

Therefore I demand that this account be permanently UPDATED to " Paid As Agreed Never Late '' or be permanently DELETED from my XXXX, Equifax, and XXXX XXXX Report immediately! 
I am also seeking damages in the amount of {$1000.00} per violation ( listed below ) against each Credit Bureau for their willful and blatant violation of my rights as a Consumer and failure to take action to cure the problem when initially reported : a. Defamation of Character b. Negligent Enablement of Identity Fraud c. Fair Debt Collections Practices Act 15 USC 1692g violations d. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage loan. The bank checked my credit report with Experian. Then I started receiving numerous calls from mortgage companies soliciting my business. The only explanation is that Experian shared my phone number with these companies. This must stop.
Product: Mortgage

I filed a complaint last night, due to XXXX Flagstar posted negative information to the credit union again, causing my credit score to decrease by XXXX points again, but they said they can't find my information which is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute letter on XX/XX/2020 about personal info and i still haven't gotten any reponse
Product: Credit reporting or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. FCRA Violation : employment not mine XXXX, XXXX XXXX, The XXXX XXXX. FCRA Violation : never late paid in full should not be a charge-off status XXXX {$94.00}, XXXX XXXX XXXX FCRA Violation : credit card not mine XXXX XXXX XXXX {$170.00}. FCRA Violation : collections not mine XXXX XXXX XXXX XXXX {$5900.00}, XXXX {$240.00}. FCRA Violations : hard inquiries not mine XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian This isn't me please delete from my credit report please
Product: Credit card

I set up an auto payment with my account approximately XXXX weeks ago in the amount of {$150.00} a month. I had {$1600.00} debited from my checking account on XX/XX/2023. When I set up the auto pay it was approved as accepted. I was then under the impression that {$150.00} would be deducted from my payment account. 

I reached out to Amex and was told the minimum amount due is deducted regardless of what payment you set up even if approved under other amount through autopay. They said its part of the terms and conditions but the terms and conditions contradict what I agreed to pay and what was accepted. I thought my submission of what the autopay approved would reflect what I agreed to pay.
Product: Credit card or prepaid card

I have tried to transfer my American Express Membership Rewards to airlines for several times, but the system keeps showing an error message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' This is the THIRD time through this year AMEX freezing my Membership Rewards account without any reason and the customer support from AMEX did not help at all. This is really frustrating that I can't redeem my reward points when I really need to use them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXXXXXX Balance : {$430.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple problems with the following collection accounts. I sent a dispute challenging these collections on my credit report on XX/XX/2023 because they sent the same letter that is attached here to this dispute. I sent the requested documents along with the first letter and now they have sent a letter again stating they never got it. Equifax is lying and did not answer my dispute request going on into 60 days. 

XXXX : Account number : XXXX, There was no response within 30 days for this account. Nothing in 30 days, please delete. 

XXXX XXXX XXXX : Account number : XXXX, There was no response within 30 days for this account. Nothing in 30 days, please delete. 

XXXX XXXX XXXX : Account number : XXXX, There was no response within 30 days for this account. Nothing in 30 days, please delete. 

XXXX XXXX : Account number : XXXX, There was no response within 30 days for this account. Nothing in 30 days, please delete. 

XXXX XXXX  : Account number : XXXX, There was no response within 30 days for this account. Nothing in 30 days, please delete. 

XXXX XXXX XXXX : Account number : XXXX, There was no response within 30 days for this account. Nothing in 30 days, please delete.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy! The information in my credit report and below is wrong. It was never proven to be factual, so now I have decided to exercise my consumer rights! I know I'm entitled to accurate and current information about my finances. So, when the misrepresentation of facts is found on my credit report it can and has had serious consequences! This means I need you to fix these problems right away before they get worse! I am exercising my right to be informed of any inaccuracies on my credit report. I request that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit repor