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

On XXXX I purchased a XXXX XXXX from XXXX XXXX financing was being done by XXXXSantander..I executed all documents and assumed it was complete.The process was choppy and confused as signing was rescheduled and when I finally picked up the vehicle things seem to be resolved and I signed a XXXX XXXX XXXX contract on XXXX that was dated XXXX left with the vehicle on XXXX and got a ticket for no inspection sticker even though it was supposed to be included and was listed on the itemization.Then the real problems began and I received a call from someone at XXXX saying that I needed to fill out another application on line because the loan was not being " funded '' by XXXXI did that and received subsequent calls from XXXX trying to sell me another car??? On I received several subsequent calls from XXXX saying it was all set and then it was n't and I needed to do another XXXX  application??? The entire situation was ridiculous.They had my downpayment, I had signed all the loan and ownership documents but apparently there was some probllem between XXXX and XXXX XXXX I spoke to XXXX in XXXX to I believe a XXXX XXXX, who said she thought it was all set and that I should check with XXXX so my father and I called XXXX and spoke to a XXXX  and XXXX in Internal lending and they confirmed that there was some " irregularities '' with the loan because the vehicle was exchanged on XXXX.I advised her that that never happened.Apparently XXXX was trying to cover up for some internal errors with their documentationShe then was emphatic that we should be all set because the numbers matched on the application numbers and the loan would be funded.This funding issue was not my problem but we thought it was resolved.We even discussed when the XXXX payment would be due because now all the dates were different.She said it would n't be until XXXX days after the funding date and I would get a statement and interest would only accrue from the funding date. 

On XXXX I received in the mail a notice that the car would be repossessed unless I came up with XXXX?? This is insane the dealer did the financing and apparently had some clerical issue with the funding source and this is somehow my problem? They are trying to hold me responsible for their internal error.I have no issue paying the loan but it is unfair and deceptive to hold me accountable for their errors.They also violated fair credit with the errant disclosuresThey are a mess and this was ridiculous.I buy a car with XXXX XXXX  interest with dealer provided financing and I am responsible because they XXXX up?????? They are holding me responsible for their internal accounting and procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has posted several credit inquiries under my credit report that I do not recognize. 
- XXXX/XXXX -XXXX XXXX XXXX - XXXX - XXXX/XXXX - CitiBank I am filing this complaint because all of these have negatively impacted my score.
Product: Credit card or prepaid card

Basically, I was tricked by this man who claimed to be an orphanage collaborator, he had me buy him some items that to my knowledge was for kids in an orphanage somewhere in LA according to him. He told me that if I helped him buy the kids some things he would pay off my credit card fully so I believed it and I got him his first order of two XXXX and a XXXX card, I didnt ship these items out until after he paid off my debts. He had send me his bank account number and within 24 hours The payment was processed. fast forward one week later I got an email stating that the payment didnt go through after all and that I need to contact my bank. so basically, this guy scammed me and when I messaged him asking him about, why is the email saying that, he simply blocked me. I didnt think it was a scam at first because it did process in the first place and also he didnt block me as soon as I shipped out the items like he couldve, he kept replying to me for a whole week straight and had me buy him a lot of gift cards for the kids supposedly. At this point, I havent even met him only talked on the phone and I asked him to send me some pictures of him and the orphans to verify, and he actually sent me that, so I really had no reason to not believe him, I got scam so bad I have his address he had me shipping these XXXX to some donation collector in XXXX Georgia who supposably collected and sent everything to the orphanage from there Luckily, the last package I had sent out on Friday still hasnt been delivered so I was able to get them to ship it back to me, and hopefully I will be able to get a full refund for the items. The website I used was XXXX  and they need to have better verification processes to protect gullible individuals like myself especially on a dating website like that this shouldnt be happening! Now Im being left with even more jobs than I started with, I already reported the charges as fraudulent to my American Express fraud team, hopefully my issues can be resolved and I can be fully reimbursed.
Product: Credit reporting or other personal consumer reports

The situation that happened was on XX/XX/year> I purchased a product from XXXX for {$100.00}, the clerk said the register was having a malfunction and that we would have to check out a different register. At the XXXX register I unbeknownst was charged an additional {$100.00}. Being that I was double charged I filed a dispute to receive the money back. The dispute was created on XX/XX/year>. However, this dispute lead to a remark on my credit card that lead to my credit score dropping XXXX points effectively destroying my credit. The remark added onto my credit report was Consumer disputes this account information. That note dropped my score XXXX points. The dispute has been completed in my favor from my bank. However, Equifax has not restored my credit back to its original state. I kindly ask for my credit score to be corrected or updated and the note removed from my credit. Filing a dispute for being double charged is not a reasonable explanation for destroying my credit when the double charge was not my fault. My dispute number with XXXX XXXX XXXX XXXX was XXXX.
Product: Credit card or prepaid card

Citibanki dba Citicard illegally imposed a fee on my account, its employee lied to me, has intentionally harassed me in multiple ways, and has maliciously and falsely damaged my credit. My XX/XX/2019 statement showed a balance of {$45.00}. I chose to pay it by using Cit 's Thankyou rewards programs, opting for a {$50.00} credit statement. The credit was applied XX/XX/XXXX before the next closing date about a week later, Thus, I had an excess credit of {$4.00}. Yet, on my XX/XX/XXXX statement Citi illegally imposed a {$25.00} late fee. Moreover, each time I attempted to access my account online at Citi 's online website, I was blocked with a demand to pay {$62.00} and could not proceed further to view my activity. I called Citicard last week, whose employee promised to reverse the {$25.00} late fee. However, it still has not been done. My online access is still blocked by a screen demanding " past due '' amount. This week I received a XXXX letter package from Citi stating that I told Citi not to contact me again. This is Citi 's management manner of lying and harassing. I never said any such thing, as Citi 's recording of my call would prove. In the letter Citi threatened to close my account and damage my credit reporting. I called Citi,  whose employee demanded immediate payment of all new purchases totalling more than {$1000.00} well before the next due date in XXXX. Citicard has engaged in illegal and malicious activity against the public interest while its inattentive and greedy CEO is paid tens of millions of dollars per annum.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Balance : {$24.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - I spoke to someone on XX/XX/XXXX2019 in order to create a payment arrangement for the bill that is due on XX/XX/XXXX. Per the person I spoke with, I believe her name was XXXX said that they have accepted the payment arrangement - please pull out phone records if possible because it was for {$100.00} on XX/XX/XXXX and the excess of {$91.00} on XX/XX/XXXX. She agreed and we hung up the phone. I called back and wondered as to why XXXX filed a derogatory mark under my credit report with Transunion. I called XXXX about this matter on XX/XX/XXXX - and the representative, I believe it was XXXX again - was not very helpful. She said all they can do is file an investigation. 

Fast forward to XX/XX/XXXX, another representative calls me while I am at work, I inquired about the investigation and per the representative, they have no record of one taking place. 

The representatives with this company just shows how ignorant they are. They failed to give me proper information on how this was going to affect my credit score.
Product: Vehicle loan or lease

I, XXXX XXXX XXXX received a letter from Santander indicating that they did not receive my first payment. However, the payment ( s ) were sent to XXXX XXXX. It has been requested that XXXX XXXX forward the two payments, which exceeds the taxes, title, and tags as well as electronic filing fee amount ( s ) requested. The balance of approximately {$30000.00} should be paid as originally suggester by consumer, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Vehicle loan or lease

I requested a lien release letter from XXXX XXXX XXXX XXXX on XXXX separate occasions between XX/XX/XXXX and XX/XX/XXXX ( XX/XX/XXXX, XXXX, XX/XX/XXXX ) and as of today ( XX/XX/XXXX ) it still has not arrived despite multiple assurances that it has been mailed and after confirming my home address. 

Most recently, I was told by a manager that the letter was mailed on XX/XX/XXXX and that it would be arriving no later than today, however it still has not come in the mail. My ex-wife still lives at the old address XXXX was aware of and she too confirms that nothing has come in the mail. In addition, I have confirmed or confirmed for XXXX repeatedly over XXXX separate calls my current home address. 

On the few occasions I have received any sort of document, they have not been Lien Release letters, but documents that were either unrelated ( a notice that my car had been towed to a lot ( this was due to an accident I was in ) and a document acknowledging my last payment, but not the Lien Release document itself ). 

The automated phone system states, and multiple agents have confirmed, that they show my car loan was paid off in XXXX of XXXX. 

The failure to provide this common document is causing me material harm of {$7700.00}, as I am unable to transfer the title of the now totaled car to the insurance company and receive my compensation in return until the lien is formally acknowledged as lifted by the XXXX  XXXX.
Product: Debt collection

I am writing to formally file a complaint against FirstSource Advantage for failing to provide sufficient documentation and proof of debt ownership concerning an alleged debt they claim I owe to XXXX XXXX. Despite my request for validation of the debt, FirstSource Advantage has not provided the necessary documentation to substantiate their claim. 

On XX/XX/scrub> 2025, I sent a debt validation letter to FirstSource Advantage, as permitted under the Fair Debt Collection Practices Act ( FDCPA ). In that letter, I requested that they provide clear proof that they own the alleged debt, along with a copy of the original purchase agreement that would show they are legally authorized to collect on this debt.

However, as of today, FirstSource Advantage has failed to respond with any adequate documentation to validate this debt. Specifically, they have not provided any proof of ownership of the alleged debt, nor have they provided the requested purchase agreement or other legal documentation showing they have the right to collect on this account. This failure to respond appropriately is in direct violation of my rights under the FDCPA.

I believe that without providing proof of debt ownership and the necessary documentation, FirstSource Advantage is not legally authorized to collect on this debt. I request that the CFPB investigate this matter and take appropriate action against FirstSource Advantage for their non-compliance with debt validation requirements.
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX XXXX. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. violated my rights 15 U.S.C 1681 section 602 A.states I have right to privacy. 15 U.S.C 1681 section 604 A sectin 2 It also states a consumer reporting agency can not finish a ccount without my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

{$17000.00} reported on my credit Bureaus. This is NOT my account. Our credit alert informed us of credit account opened in my name. I have no knowledge of this account. I reported to XXXX XXXX, XXXX. the company that opened this account IS Upstart Holdings Inc XXXX XXXX XXXX XXXX XXXX XXXX, CA., XXXX. Upstart asked me to confirm my information- and I did provide them the information. Upstart claimed they had NO Record of my having any account even after Upstart Verified this account with all 3 of the credit bureaus. Upstart Holdings asked my permission to do a credit application account and I Refused. this account was opened XX/XX/2023 and the credit bureaus reported that I have made 2 payments. this IS Fraud and Upstart claims they have " no knowledge ". This is not my account
Product: Mortgage

Mortgage company threatens non-renewal of insurances with inconsistent dates and harassing letters every year. They tell you they are not paying your escrow and don't tell you when they do. Their customer service will not provide assistance. The insurance companies send communication to the lender and me saying the fees haven't been paid.
Product: Credit reporting or other personal consumer reports

All that Equifax did was update the report saying that XXXX XXXX XXXX reported this alleged debt. I am still to get any information of the creation or this alleged debt, when it was created, who the retail merchant was or anything. 
If this is a debt from a vendor that I already paid off through another collection agency, this company is providing no information to be able to verify this and I feel that Equifax is not asking for all the information to be able to remotely make a connection like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the public records, inquiries and inaccurate personal information listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, XXXX, TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX MORTGAGE XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Product: Debt collection

This company purchased a debt 3 times over that was disputed and removed theyve bought it twice and transferred it to multiple companies. This debt was rectified
Product: Checking or savings account

1. I saw an email in my junk box from Citizen 's Bank stating that my personal money market account is negative on XX/XX/XXXX. 
2. I don't have a Citizen 's account, but I have an Investor 's Bank account. 
3. I realised that Citizen 's Bank had acquired Investor 's Bank, and converted my savings account in Investor 's Bank into a personal Money Market account in Citizen 's Bank. 
4. Citizen 's Bank then proceeded to deduct {$10.00} fee per month from my account until it is XXXX before sending a note. 
5. I called them to refund all the fees that they deducted without my approval. 
6. They noted that they are unable to, but managed to refund a portion as a courtesy. 
7. They took a total of {$80.00}, resulting in my account having a balance of - {$17.00}. 
8. When my Investor 's Bank Account was moved over to Citizen 's Bank, it had {$62.00} 9. My account should have been moved to a similar account type with no fees, but Citizen 's Bank converted my no-fee account with Investors Bank into one with fees at Citizen 's Bank XXXX 
10. All of this was done without my knowledge or approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 a late payment appearing on my XXXX XXXX credit card account opened XX/XX/XXXX ending XXXX account that I was that was in fact paid on time. As i have this credit card on auto payments to ensure that i am never late. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payment. I've attached a copy of my credit report to this complaint on the following date XX/XX/XXXXXXXX  I'm now requesting you to investigate such discrepancies on this account. Please verify through obtaining evidence, such as statements, demonstrating the late payments being reported. If the creditor is unable to provide the proper evidence confirming all 3 late payments reporitng. I surely hope you follow your rules and regulations and demand the lates be removed and update this late payment reporting to be paid on time immediately. thank you for your understanding and prompt action to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.