23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made a payment online and they said that the payment was confirmed on time. I found out later that they had problems with their website and my payment was never received causing a payment to show as 30 day late and ruin my credit for something that I did nothing wrong. The bank refuses to remove the late payment history from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 i got notification of a credit inquiry from a company named XXXX   i never heard of them or have I done any business with them.
Product: Debt collection

In XXXX I began investigating a debt i located on my credit report. {$1000.00} being collected on by a collection agency called XXXX. I spoke to them and obtained info on the original creditor. XXXX XXXX They could locate my file but [ per them i have no balance on record in their new or old system. 

In full transparency, XXXX is collecting on another debt regarding a car accident that i can call and attempt to settle today. My XXXX didnt pay out of the fees as he was supposed to. But this bill for {$1000.00} does not belong to me. 

I also attemoted to send the attached validation letter to the fax number the company provided but it wasnt successful
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX  XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Being sued by a debt collector. The information they sent me is way to much they say I owe. Its in the lawyers collection they are the third party. I did call them and the lawyer was just trying to over talk me and was rude. I know this debt was probably sold for hardy any money. I cant afford d what they want to get out of me. The original credit card did receive money from me. However, the information was sent to me was completely unclear. I asked for a debt valuation letter and it was the same thing from the summons. This is harassment and not true. Im tired of being the status quo. Everybody in America are having in rough. I dont even have enough money right now for a filing fee for my answer to the court.
Product: Credit reporting, credit repair services, 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 # 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 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 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: Consumer Loan

Honda advertises no money down lease on new Civic for $ XXXX/mo.. In very fine print, they show hundreds, if not XXXX of dollars of upfront costs to do this lease. The no money down offer is misleading if not fraudulent.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a letter of dispute was mailed to TransUnion located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX. The dispute letter was created with XXXX XXXX which I have an account with. The letters are processed the printed out by myself and mailed out. The letter DID in fact include ; a photo copy of my valid drivers license, a current utility bill ( XXXX ) as well as a current copy of my social security card. This seems to be a stall tactic that TransUnion uses knowing good and well that they are in receipt of the requested documents. I personally printed and mailed the dispute letter from my job. I also personally attached the requested documents and stapled all three sheets together. So if the requested documents are " missing '' then where are they? I find it very funny that all three credit reporting bureaus received the same letter however conveniently on TransUnion didn't receive personal identifying documents. The letter stating the non receipt was received by me on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a web site to a company that said they would help with my credit scores. I deposited money in the account they gave me to start the program to help restore my credit for better standing. I first deposited {$27.00} ... the amount to deposit was {$9.00} ... instead I gave them, XXXX ... the next payment I gave them was {$100.00} ... I thought I was to get the card... but later found out ... I had to put the entire {$500.00} in the account before I get the card ... I later found out ... that I had an emergency bill I had to pay ... I asked them to close the account ... that I needed my money to pay a bill ... That was a week ago... I sent them an email... they emailed me back..and said they were going to deposit my money into my Bank account at XXXX that same day... and it would take a few days... I got back in touch with them again, and they said they had submitted the payment, that has been going on now for almost two weeks, and these people have not gave me my money yet. I believe they are trying to keep my account open, so they can go back into my account and get a payment of XXXX ... and report to the credit bureau that i am late to bring my credit score back down ... I have called them I don't know how many times ... I have held their phone at least an hour and no one comes to the phone..They just will not pick up their phones ... even if they give you a time... neither have anyone called me back and I have left my number for them to return my call and I have sent them emails and they still have my money and will not put my money back into my account.
Product: Debt collection

I never applied for Navy Federal Credit card, I reported my identity was stolen previously to the Police and the FTC and there was no response.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a letter from XXXX XXXX stating I owe {$3000.00} from a loan from XXXX XXXX. I never have gotten a loan from them, I was denied credit. I cosigned but the funds were returned same day, the person I cosigned for was in a debt consolidated program which I knew that this account was in consolidation too. I spoke to someone at XXXX XXXX about this situation but to no avail. They insisted I still would get reported to credit bureau. Now the collection agency " XXXX XXXX '' wants me to settle the debt by paying {$1000.00} by XX/XX/XXXX or the entire debt will continue to be owed. Original creditor was XXXX XXXX New Creditor : XXXX XXXX XXXX XXXX XXXX WHAT CAN I DO?
Product: Debt collection

I received a letter From Launch Servicing LLC in regards to loans that I owe. I never requested or had a loan made with this company. I did not know this company existed. I am afraid that this will effect my credit score and that this is the start of fraud on my name, and I am trying to stop this because I never made this account with this company. I have never heard of this company, and I looked up this company but it requires my social security to access the information. I do not want to provide my SS because this could be a scam and if I enter my SS they will have it and can make purchases that I have not made under my name. 

Here is the name of the business : Launch Servicing , LLC XXXX XXXX XXXX XXXX XXXX, SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am verifying that I XXXX XXXX XXXX XXXX am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Bank account or service

I Deposited XXXX checks at a TCF Bank that I received from a online casino. ( Winnings ) They said it would need to clear casino account before I could withdraw any funds, understandable I said. Total of XXXX chks {$6000.00} I checked with the bank XXXX XXXX later and checks were good, no problem. 
Another time I took a larger check ( cashiers ) for {$12000.00} from a online casino. ( winnings ) they said I had to pay them {$120.00} to get verified & same wait to clear!! I questioned it but they insisted so I paid the fee, checked XXXX XXXX later the bank said the check was a fraud. 
I never withdrew any funds nor did I receive the check back either, now I see they reported on my credit ( XXXX XXXX ) record as a bad check!!!!!
Product: Credit card or prepaid card

XXXX is the Dispute Number. 
XX/XX/2022 -- XXXX {$6100.00}. 
XXXX XXXX -- CITI IS SIDING WITH XXXX DESPITE THE MULTIPLE PROOF THAT SHOWS ITEMS WERE RETURNED AND SAFELY DELIVERED TO XXXX. 
-- -- -- -- -- -- -- -- -- -- -- I Returned a Purchase to XXXX and had to fight them for a refund, even though tracking and every possible details confirms the Item was received as well as their returns Portals. 

I disputed with CITI and they have done a very poor job. I Provided them with Proof Of Delivery PDF from XXXX website, I provided them with a Screenshot of the order details on XXXX that states " Your item has been received and Refund will be processed '', I sent them emails from XXXX XXXX confirming that the item has been returned but for some reason Refund hadn't been issued. I provided them an invoice and statement from XXXX saying they " issued a refund '' but clearly wasn't. I provided CITI with every possible Proof, pictures. screenshots, statements, everything that I could possibly send and twice they have sided with XXXX. 

The first time they sided with XXXX and I had to go on a two month drag with XXXX before they finally refunded me, however I was only refunded for one of the items. I sent the screenshot of the email sent from an XXXX XXXX saying that I would be refunded for both items, but only received a refund for one. 

I redisputed the transaction and Yet they have concluded that despite every single details I sent them, that they are going to do a XXXX poor job of ignoring the facts and siding with XXXX. 

I REFUSE TO BE LIABLE FOR AN ITEM THAT HAS BEEN RETURNED TO THE MERCHANTS. THIS IS A DISPUTE GOING ON 4-5 MONTHS NOW AND HOW THEY CAN BE SO XXXX IN THEIR DECISION MAKING DESPITE THE FACTS IS ABSOLUTELY BENEATH ME. 

I don't know if it's because I am a new customer but quite frankly once this is resolved I will be closing my card with them as they proven they are not in it for me.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX ) The inquiry was not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX ) The inquiry was not authorized : XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX ) The inquiry was not authorized : XXXX XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized purchase was recorded on XX/XX/2023 at XXXX. The purchase was for a matte black XXXX XXXX, priced at {$820.00}. I am disputing this transaction because I do not have the credit or the means to buy such an expensive device. My credit score does not qualify me to afford or purchase an XXXX of this caliber. I wouldn't even be able to manage the monthly payments, considering the high cost of the phone and the phone plan. I believe this is either a glitch or an error in the system. In the past, I have attempted to purchase much cheaper phones but failed to meet the eligibility criteria. It is impossible for me to qualify and possess a phone like this according to my credit history. I request that this error be removed from my credit report as it has severely impacted my credit.
Product: Checking or savings account

XX/XX/year> - I was approved for the Citibusiness Checking Account at the XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX location. Opened by a very professional and friendly banker named XXXX XXXX XXXX. Was approved for the " Small Business Checking Offer '' ( Please see attached for Terms & Conditions ). 

XX/XX/year> - reached above {$20000.00} balance ( to meet {$750.00} bonus level ) in the amount of {$20000.00}. 

XX/XX/year> - this was the XXXX day after opening my account, in which I maintained the required " $ XXXX or more in New-to Citibank Funds to my eligible account within 20 days of account opening ''. 

XX/XX/year> - this was the XXXX day after opening my account in which I maintained my minimum balance of $ XXXX. 

XX/XX/year> - this date I met the final requirements of the additional 60 consecutive calendar days from the XXXX day I maintained my minimum balance of {$20000.00}. 

XX/XX/year> - this date was 30 days from the end of the month in which I completed all of the offer requirements ( XX/XX/year> ). According to the following terms, the Cash Bonus should have been posted by this date : " The Cash Bonus for which you qualify will be credited to your Citibank business account within 30 days from the end of the month in which you complete all Citi Checking Offer requirements. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not bee late on this account there was not full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of this year showing I was late and that have NEVER been provided. 

XXXX XXXX Account # XXXX Please correct payment history as it not reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Product: Mortgage

On XX/XX/2019, I called Specialized Loan Specialists to find out how to submit a Letter of Consent to have repairs completed on my home for a program I had signed up for. I was told by the customer service representative that I needed to submit the letter via email to customer service. I submitted the form and information regarding the program via email as instructed. I later called on XX/XX/XXXX to insure that the document was received and if nay other information was required. I have since called the XXXX customer care and have talked to several customer care reps and supervisors and I have been hung up on, pushed to several people, have been on hold for hours at a time, with no resolutions, I have been told I submitted the paperwork incorrectly, with that said I emailed it the paperwork, as well I mailed the paperwork, I have faxed the paperwork. I have gotten several inconsistencies in relation to the correspondence they have received from me. I am not getting the information needed. I am filing a complaint for their customer service where there is no answers to get. I need the form to be completed but, I don't think the paperwork has gotten to the department it needs to get to. I don't know who to complain to to get my issue resolve. It is the worse customer service I have ever experienced, I don't know how to get my issue resolved. I tried customer resolution but leads me back to the same customer care reps. I have sent the correspondence to their dispute department, but I'm told I can't talk to anyone in that department. I have tried to request a call from the executive service representatives and I'm told they will call me back and no calls. I am at my wits end and they hold the mortgage on my home and I can't do anything about it. I pay my mortgage on time every month, and they send me a notice in the mail every month to pay mortgage, but I can ; t get this letter of consent to repair my home. Please advise directives I can take to get this issue resolve. I was told 30 days and it would be handled, and here it is now going into 70 days. No resolutions and no answers
Product: Credit card

I was purchasing tickets from XXXX and did not notice that the website changed to XXXX. I immediately called and emailed XXXX to cancel the transaction. I was informed that there is no cancellation policy. I emailed immediately and received no response. 

I was charged {$310.00} for tickets on XX/XX/XXXX( Twice the amount of XXXX XXXX ) and HAVE NOT received the tickets. 

I filed the claim with chase credit card to not pay and they denied this claim stating the merchant has no record of cancellation. 

They did not email or call me back to allow a cancellation and they also did not provide me with the merchandise that they charged {$310.00} for. I have NO TICKETS and they did not reply or response to my immediate cancellation. I filed a claim with Chase Credit
Product: Debt collection

AMSHER COLL Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above.
Product: Money transfer, virtual currency, or money service

Permanent account limitation was unexpectedly placed on my Paypal account without explanation. I have only been using my account to purchase and sell crypto currencies as allowed by Paypals policy. I received an email on XX/XX/2021 that a permanent limitation has been placed on my account and I can not access my funds for the next 180 days. I have tried to contact Paypal via online messaging but was told that all agents are offline ( at XXXX XXXX  PST ). I also tried to use the Resolution Center on Paypal 's website but it did not provide any reason or actual steps I can take in order to resolve this issue. On XX/XX/2021, I finally got through to a live agent by calling Paypals Customer Support after being placed on hold for almost one hour. The Supervisor ( XXXX ) told me that an internal decision has been made that they can not let me access my remaining crypto currencies in the account but declined to tell me which policy I have violated or what has triggered the ban. Paypal has received my drivers license, home address and bank statement in a previous incident similar to this one. My account was restored on XX/XX/2021 and I have received a notification email for the restoration. There has been no transaction in my account since XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Ive taken a look at my consumer report and noticed some late payments illegally reporting. In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''. Please update the following accounts as PAID AS AGREED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( BILLED INCORRECTLY ) XXXX XXXX XXXX ( BILLED INCORRECTLY
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX You are in Direct Violation of the Fair Credit Repair Reporting Act ( XXXX XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states the consumer reporting agency can not furnish an without my written instructions.

15 U.S.C. 1666B : A creditor may not treat payment on a credit card account under an-open-end computer credit plan as late for any purposes Remove this late account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Mortgage

5/3rd Bank XX/XX/2022 : I was successful in using XXXX to pay the monthly Mortgage payment XX/XX/2022 : A rogue payment was made to my mortgage not by me but from someone in the company. It was a successful payment as the money for my mortgage payment was in that account. 

XX/XX/2022 : XXXX attempted to charge me for a second payment and was declined. I was charged a {$37.00} fee for overdraft/return item fee. I had {$550.00} deposited into the account as usual from my paycheck. I call the customer service to dispute the rogue transfer and they told me it will be solved, autobillpayer has been fixed and to call back when it is no longer pending. 

XX/XX/2022 : XXXX " successfully '' took my mortgage payment leaving me- {$320.00} in my account when I need to pay bills. I called Customer service and they told me the second payment would not be reversed, and neither would the original {$37.00} Item return/ Overdraft fee.
Product: Student loan

My interest rate is still at 6.5 % while the federal funds rate is near XXXX. This is wrong.