23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/scrub> 2025 I ordered a Vehicle Report from XXXX ( a.k.a. XXXX XXXX XXXX located in XXXX, IL ) for {$49.00} and paid using my Citibank credit card. The report received did not contain any extra information compared to a free report I got from the web. Therefore, on XX/XX/scrub> 2025 I initiated a dispute for the charge siting a low quality of the received product. 
Two days later a representative from XXXX XXXX contacted me by email inquiring about a nature of my dispute, which I explained in my response to the company. The representative followed up right away by saying that they accept my dissatisfaction and will reimburse me, if I withdraw my dispute. After a couple of back and forth emails where I inquired about the company assurance of the refund I withdrew my dispute. After that I never heard back from the company- my emails went unanswered, neither I received any refund. 
i called the credit card, explained the situation that I was basically tricked into withdrawing my dispute and the customer service representative re-opened my dispute. A couple of days later I got a letter from the credit card saying that since I withdrew the dispute myself I have to contact the merchant and resolve the problem directly. The merchant, of course, does not respond any longer. End of story. 
Please, assist. 
Thank you!
Product: Debt collection

XXXX That's the number they called from. A XXXX person called and asked bluntly of my social ended in XXXX and I was XXXX XXXX XXXX. Without asking who she was speaking with. I then asked her about why she would do that and she yelled don't come down my throat about a debt that you knew you weren't going to pay but you took out anyway. I was trying to explain that I'm XXXX and can't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I received an online bill for an account I never opened
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX XXXX  XXXX I have 1 missed payment on XX/XX/XXXX date open XX/XX/XXXX, XXXX XXXX XXXX I owe {$4600.00} date open XX/XX/XXXX, XXXX XXXX XXXX I owe {$27000.00} date open XX/XX/XXXX, XXXX XXXX XXXX XXXX I owe {$18000.00} date open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments date open XX/XX/XXXX, XXXX XXXX XXXX XXXX late payments date open XXXX.They are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.
Product: Mortgage

At the beginning of XXXX we received news from our home builder that we would close on it on XXXX XXXX. On Friday, XXXX XXXX, we received from the builder 's ( XXXX XXXX ) lending company XXXX a tax form to authorize them to obtain copies of our XXXX tax statements. By Monday, XXXX XXXX, we had found out that the form was being sent in too late to get copies and still make an XXXX XXXX close date. We also found out that the documents we were requested to send in and that we promptly sent back at the beginning of XXXX were the last XXXX months of bank statements, a copy of our HUD1 form and the contact information for our insurance agent. I had asked the representative to send me an email confirming receipt of the documents and she did. On Monday, XXXX XXXX we found out that all of the documents we had turned over had not been turned over to the underwriters at XXXX and our loan sat for XXXX weeks with no attention to it and no communication to my husband and I as to the status. My insurance agent also called me on XXXX XXXX to relay to me that she received a request for insurance certificate on the new home. The fax that XXXX sent to my insurance agent was dated XXXX XXXX and the fax requested that the insurance company provide a certificate dated as of XXXX XXXX when our original close date on the new home was XXXX XXXX. I have a couple of issues with this fax 1 ) the person who faxed the request to my insurance agent was the same person that I had just spoke with for the first time on XXXX XXXX and had informed me that none of my documents ( e.g., bank statements, HUD1 form etc. ) were on file ; and 2 ) the fax mentioned an effective date of XXXX which does n't correspond with a fax date of XXXX nor a close date of XXXX. On more than one occassion we have been asked to submit documents ( e.g., bank statements, W-2 's etc. ) after we have already submitted them and I never seem to deal with the same person. It appears as if XXXX XXXX has multiple people working on the loan but no one knows what the other is doing. It is at the failure of XXXX that we are now having to move our close date back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was reinserted on my credit from a company that I have never done business with : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX they sold this account to some 3 party junk debt buyer and I never recieced any 30 day notice or contact what so ever. I demand this account be deleted at once due to several FDCPA violation and FRCA violations. I never signed any release for my HIPPA act protected medical records to anyone at any time. 
I have been effected by the COVID 19 Pandemic shutdown and was not able to work due to restiction in the state of Florida I has a few late Payments from XXXX XXXX XXXX XXXX # XXXX I request they be removed and from my credit report.Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship I was not able to make those payments on time. The following accounts are listed that show late payments for 2020 XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report from Equifax and found inquiries on my report I did not authorize. These are fraudulent and not made by me, the consumer. I disputed these online through the equifax portal and was informed that they were " factual '' data and would remain on my report for 2 years. I called in and spoke to two agents who spoke poor English I could barely understand but after repeated requests to speak more slowly and as clearly as possible they informed me they could not help me to remove these inquiries. These two inquiries are listed here below : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 I filed and sent an FTC Identity theft report. and have yet to hear back from Equifax. This is clear discrimination and I demand these fraudulent inquiries be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, has violated my rights. 

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

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

Hello, i would like information on trying to pay a old payday loan back with realistic amounts. My amount owed was {$580.00}, i paid {$100.00} on XXXX XXXX. The remaning XXXX was schulded to be paid back XXXX of XXXX XXXX. I did n't have the money at the time so i call back on the XXXX of XXXX with hopes to make a new arrangement. XXXX refused to accept a different payment. I have until the end of the month to make a payment but now i cnt contact the loan office. My calls are not being answered and i an up for a XXXX garnishment when i can pay XXXX in little payments.
Product: Debt collection

I received a notice in the mail from the DC Office of Tax and Revenue dated XX/XX/XXXX. I didn't receive that notice until mid-late XXXX through XXXX. The notice was of tax, penalty, and/or interest due ( attached to this complaint ). It said I owed {$5100.00} for unpaid taxes and assessed interest and penalty charges on my District of Columbia Individual Income account for the XXXX tax period. The amount owed was {$3000.00} in taxes, {$1300.00} in interest, and {$760.00} in penalties. I reached out to the customer service line at the office of tax and revenue as this was surely a mistake. I paid DC taxes in XXXX ( my filings are attached to this complaint and were compiled by a CPA ) and I don't know how I can accrue {$1300.00} in interest over XXXX XXXX for something I just found out about -- to reiterate, I was just notified of the penalty this year -- meaning it would appear as if they deliberately waited so it would gain extra interest, etc. 

After waiting for hours on hold with customer service, I was then redirected to a different number in the collections division. I waited another few hours there only to be told to email a woman named XXXX XXXX about my situation. I've attached our email correspondence as proof, but here 's the gist : XXXX was first emailed by me on XX/XX/XXXX explaining the situation ( that I did file taxes, I did live in DC, and I don't think it's fair to owe interest on something for XXXX years that I just found out about ). I even attached my XXXX filings as proof. 

I received a response from XXXX on XX/XX/XXXX -- two days later. It was one sentence with little punctuation : " Thank you for the information. When did you move to DC. '' I responded on XX/XX/XXXX less than 30 min. after XXXX 's email letting her know my exact move date as well as my lease for proof of that timeframe. I did not hear back from here. I subsequently followed up XX/XX/XXXX and XX/XX/XXXX but heard nothing back. 

Fast forward to today. I receive a notice from RSI Enterprises ( document attached ) telling me the DC office of tax and revenue has given them my case for collections. And while I've been waiting to hear back from XXXX and her office, my interest has jumped another $ XXXX to a whopping {$5700.00} owed. 

My issue here is 3 fold -- 1. ) I paid taxes for XXXX and my tax filings show that. 2. ) Even if I didn't pay taxes for XXXX, it is unfair for me to have to pay XXXX years of interest for a complaint I just heard about in XXXX of XXXX. 3. ) It is unacceptable that, even after I discovered this problem in XXXX, the DC office of revenue has ignored my correspondence and fined me additional interest. 

I'm sure you've heard it all, but I want to be very clear. I am a XXXX XXXX XXXX female just trying to start my life. I was one year out of college in XXXX. I'm feeling unfairly targeted as 1. ) I don't have a bunch of money, 2. ) I'm being cooperative and trying to figure this out, and 3. ) I fear they're doing this to me because they think I won't have the means or know-how to fight it. 

Can you please help?
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with JPMCD Card, I dont have a contracts with JPMCD Card, they did not provide me with the original contract as i requested Desired Outcome/Settlement Desired Settlement : Other ( requires explanation ) correction to my credit report, I demand this account be removed from my credit report Message to the Consumer on Thursday, XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Dear XXXX XXXX : This message is in regard to your complaint submitted on XX/XX/2024 against JPMorgan Chase Credit Card . Your complaint was assigned ID XXXX. 

Your complaint has been sent to the business for their response. Once they have responded to the XXXX, we will contact you again. In the meantime, please allow 4 - 6 weeks to receive a response to your complaint.

The text of your response may be publicly posted on the XXXX  Web Site ( XXXX  reserves the right to not post in accordance with XXXX  policy ). Please do not include any personally identifiable information in your response. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. XXXX  may edit your complaint to protect privacy rights and to remove inappropriate language. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account and inquires in my credit report ( XXXX XXXX  Date opened XXXX ) ( XXXX  XXXX XXXX Date opened XX/XX/XXXX ) ( XXXX  XXXX XXXX XX/XX/XXXX ) Please remove this fraudulent account and inquiers from my credit report. Thank You
Product: Credit reporting

My report seems to have several new hard inquiries from XXXX XXXX and XXXX that I never authorized ( and most are from companies I 've never heard of ). Additionally I 've been associated with XXXX new employers as of XXXX XXXX and that is incorrect as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

XXXX. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within XXXX days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  XXXX - XXXX : {$1300.00} - Account # : XXXX XXXX  XXXX  XXXX  - Balance : {$300.00} - Account # : XXXX  XXXX  - Balance : $ - Account # : XXXX XXXX XXXX - XXXX : {$4900.00} - Account # : XXXX XXXX-XXXX  - Balance : {$280.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

In XX/XX/XXXX, XXXX XXXX was contacted to install solar panels on our roof, initiating a credit check with Mosaic XXXXXXXX for loan pre-approval. By early XXXX, our project was disqualified due to insufficient roof space, and XXXX XXXX promised to notify Mosaic XXXX of the cancellation. However, Mosaic XXXX was not informed and disbursed {$15000.00} to XXXX XXXX without our knowledge. We discovered the outstanding loan in XX/XX/XXXX. 

Upon learning about the loan, we contacted XXXX XXXX, who confirmed the project 's cancellation and re-notified Mosaic XXXX. They suggested a salesperson 's error might have caused the oversight. Despite our efforts, Mosaic XXXX continues to harass us about the loan, claiming they haven't received responses from XXXX XXXX. 

We seek the CFPB assistance to : 1. Stop harassment by Mosaic XXXX. 
2. Fully cancel the loan.

3. Confirm resolution from both companies.

4. Receive a formal apology for the distress caused. 

We request prompt resolution due to the mismanagement and communication failures of XXXX XXXX and Mosaic XXXX. 

I also draw your attention to a recent XXXX XXXX expose on the same topic ( same XXXX companies ) XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV PLACED {$780.00} ON MY CREDIT REPORT ON XX/XX/2023, I HAD A CREDIT REPAIR COMPANY TRY TO REMOVE IT FOR THEM TO VALIDATE DEBT, THEY HAVENT BEEN ABLE TO VALIDATE DEBT
Product: Debt collection

They contacted a family member in regards to a outstanding bill to a number not associated on the account.
Product: Credit card or prepaid card

I have tried to close my XXXX XXXX account with XXXX XXXX multiple times. My first time closing the account was at the end of XX/XX/XXXX, and I have tired closing it two additional times this most recent time is last Wednesday XX/XX/XXXX. I have not made a purchase using this card in over a year. The XXXX store no longer exists When closing the account I call the company and they assure me that everything is taken care of. After getting the confirmation over the phone after each account closing conversation, I continue to receive paper billing from XXXX and notifications about due payments. This has repeated itself from XX/XX/XXXX-now. When I receive these notices I call XXXX and they clear the charges and ask for the account to be closed. Then the cycle begins again with me getting notices about account payments. Now, my credit score has been effected. XXXX XXXX has filed a late payment on my credit history and my score has dropped. Not only has this been a nightmare of something to deal with, but now my credit score has dropped. I would like this to be corrected, and I would like to know if I am able to pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXXXXXX Balance XXXX {$2.00} ; 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 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Bank account or service

in XXXX XXXX I contacted 5th third to request information on my vehicle title which I never received. They informed me it was shipped in XXXX and returned, they advised they would resend it and I would receive it 3-10 business days. On XXXX/XXXX/XXXX I called again due to the fact no title has been received and they could not give me information. An hour later and transferred numerous times until we were told they do not have notes or show where we did the request as that is not something they take when a customer calls ... .are you kidding me? This is a banking institution, they should notate everything. We asked to be sent to a supervisor. After another 20 minute hold we were transferred to a supervisor by the name of XXXX. XXXX, is now stating they do not have any record of calls as they do not take notes in the Customer service department. they state they can not expedite the request unless it is the banks error ... THIS IS THE BANKS Error. I am now on hold again and it has been longer than an hour and I am furious. Per XXXX the supervisor they can not transfer us to the collateral department as they only get emails. I am in shock that this is how you all treat your customers and that a banking institution does not take notes. XXXX is suppose to call us in 24-48 hours with an update as to where our title is. 
Employee ID # XXXX, Phone # XXXX. I need my title, the car has been totaled almost killing my son and I am unable to get resolution on accident and recovery due to 5th thirds lack of customer service. Can you please contact us immediately on this, we need resolution. XXXX and XXXX XXXX
Product: Debt collection

I have no idea what this collection is for. It is for nearly {$1000.00} and it's hindering my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the consumer reporting agency disputing inaccurate and incomplete information on my consumer report. The consumer reporting agency responded to the dispute " nothing changed ''. I filed for a re-investigation of the disputed inaccurate and incomplete information. The consumer reporting agency responded to the re-investigation as '' nothing changed ''. It's is a " FACT '' that inaccurate and incomplete information is reporting on my consumer report. This is a " Direct Violation '' of my consumer rights under the Fair Credit Reporting Act. The reference accounts are as followed : XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX  XXXX account # XXXX These accounts are inaccurately and incompletely reporting on my consumer report. The consumer reporting agency has the duty to report 100 % percent accurate and complete information to the best of the responsibility. This is a " Direct Violation '' of my consumer rights under the Fair Credit Reporting Act.
Product: Vehicle loan or lease

I have spoken with the company and they have deferred the loan for me which just extends out the time also its more of a predatory lender situation due to damaged credit, of course my score is my fault but to be taken advantage of by high rates and payments to know now Ive paid way over the value of the loan its self with fees and such. They dont try to refinance or lower monthly payments Ive asked in the past. Its Exeter Finance and if I had known how they would effect me I dont think I would have allowed myself to even get the car. Its been years my car should now be paid off and its far from that.