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

We love our XXXX Infiniti Q50 with 3.7 litre engine. It is an excellent car. We bought it on a 39 month lease which ends in XXXX XXXX. Infiniti USA has been soliciting us to return the car for the last ( 3 ) months offering incentives that release us from the last few months of the lease. When we went to the dealership to pick up a new Q50, we found that the car did not have the same engine. Our current Q50 has a 3.7 Liter Engine and the new Q50 's all have a 2.0 or 3.0 Turbo configuration. Because they are using the same chassis, the car is loud and does not drive the same. We took the car back to the dealership. We contacted Infiniti and said the only Infiniti car that meets our desires is now the Q70 with 3.7 litre engine. But the Q70 is a larger and more expensive car. We are reasonable, we are fine with paying more for our current car with inflation, but the delta to the Q70 will require incentives from Infiniti to bring down the price. A Q70 is not affordable. We believe that Infiniti is engaging in a bait and switch to make us buy a Q70. They are forcing us to turn in a car of a higher quality and value for a lower value car. Because it is a lease contract we are required to pay a lot of money to turn in the car and buy another brand. When we tried to work with Infiniti USA, they gave us a case number XXXX and ultimately offered free maintenance, which is in actuality is 5 free oil changes. A XXXX company like XXXX really should not be allowed to treat us US consumers like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, XXXX and Equifax ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 

According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance to paragraph ( XXXX ), begore the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report But I have items that are left over which are listed below. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/20XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit card

In XXXX, XXXX, I pulled my credit report and found an account I was not familiar with that was in collections with a company named XXXX XXXX XXXX. It stated that it was a closed credit card account and the original creditor was HSBC. On XXXX XXXX, XXXX, I sent a request for debt validation to both XXXX XXXX XXXX and HSBC regarding this account. XXXX responded on XXXX XXXX, XXXX, stating they could not validate the debt and would instruct the credit reporting agencies to remove the XXXX account from my credit report. HSBC never responded. In XXXX, XXXX, the credit entry by XXXX was not removed, the creditor name was changed to HSBC and noted as a Charge Off. In XXXX, XXXX, I filed a police report for identity theft with the XXXX County Florida Sheriff 's department regarding this account. I supplied this report to the credit reporting agencies XXXX, XXXX and XXXX in a formal dispute of this account. XXXX and XXXX removed HSBC from my credit report after fulfilling their own dispute validation processes. XXXX continues to report HSBC on my credit report and states it has validated the debt each time I have disputed it with them. On XXXX XXXX, XXXX, both HSBC and XXXX were sent letters from me. The HSBC letter was a second debt validation request and it included copies of the first request sent to them, XXXX XXXX XXXX response and the identity theft police report filed in XXXX, XXXX. XXXX included the same copies, with a letter requesting a full investigation of the debt. Nine days after XXXX opened the formal investigation, the closed it stating the debt was validated. Meanwhile, as of XXXX XXXX, XXXX, HSBC still has not provided the validation I requested. This account is not mine and I am struggling with the creditor and XXXX to properly validate the debt.
Product: Mortgage

we are currently delinquent on our mortgage and have a sale date of XXXX/XXXX/XXXX, we have tried numerous times to get help from ditech but no one is helping. I have turned in all the documents they have requested several different times. I was laid off in XXXX and have not been able to find work since. my wife is very ill and has mini strokes occasionally since XXXX the co borrower is a sole provider and the only contributor right now to the household while he is on a fixed income it has made it very tough on him this year and we are scared we will lose our home. Please help us save our home!!
Product: Credit card or prepaid card

I discovered my bill was due on X/X/2017. I realized it on X/X/17, I called the company and was told to make the payment online. I did and was told they would not charge a pentalty due to the fact I called and payed balance immediately. Received a bill today with a finance charge of more than the bill was. My balance was XXXX I paid in full, now I am charged XXXX in fees. I was told old since they removed a late fee beginning of the year they will not remove this. The fees are over 100 % of my previous balance!.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this letter, regarding the dispute of certaininformati on in my credit fi le. I am specifically addressing the fraudulent informati on listed below as a victi m of identity theft ; SeeFraudulent Collection Summary in my letter attached. 
I want to emphasize that I did not authorize anyone to use my name or personal informati on to obtain money, credit, loans, goods, orservices menti oned in this report. 
I did not receive any benefits, funds, goods, or services associated with the events described in the report.
Product: Money transfer, virtual currency, or money service

Froze account and wont let me withdraw. Lied to consumers saying theyd operate normally. Also didnt disclose their malpractice with using fraud funds from XXXX. No updates in the system and keeping all my money in my crypto wallet.
Product: Credit card

I have dispute d my Capital One ac count many times and as of today 's date they are still reporting beyond the 7 years from the first date of delinquency. I called and the said they will continue to report this item for 10 years. I contacted the credit bureaus and said it 7years. I have requested payment history but they have not been able to produce it. This account was opened in  XXXX  and has had missed payments starting in  XXXX   XXXX . I was able to obtain this information from their collections team. I am requesting this account be deleted from from Experian credit file per FCRA rules. Per   XXXX    website Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inaccurate accounts on my credit report listed below : Experian : XXXXXXXX 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 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: Debt collection

I sent debt validation paperwork to National Credit Adjusters on XX/XX/2023, XX/XX/2023, and XX/XX/2023. National Credit Adjusters mailed a generic response that they received my request but never provided the paperwork and underlying supporting documentation. The collection account listed on my credit file was deleted in XX/XX/2023 and then added back in XX/XX/2023 while being illegally re-aged. No debt validation paperwork has been received.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payments on the following dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed I made all payments to you when I received my statement. My only thought is that my monthly statements did not get to me.
Product: Checking or savings account

Ive been trying to close my citi account after discovering that their system constantly prompts me for my debit card number when on the website and that their fraud prevention refuses to recognize the phone number I have used for 20 years and have on file with every other bank I use. 

They are refusing to allow me to close my account despite coming directly into a branch with multiple forms of photo ID. They have 150k of my money that they are basically holding in ransom at this point. Im losing money on a daily basis given I cant invest it or place it in a higher interest savings account because they refuse to release it.
Product: Mortgage

XX/XX/2021 Consumer Financial Protection Bureau RE : Midland Mortgage Loan Modification does not respond. 
Dear Sir or madam : I have requested a Loan modification from Midland Mortgage since XX/XX/XXXX ( Attach_I ). And they have not responded yet with a Plan. However in the past instead of helping me, they increased the payment {$500.00} dollars per month. 
They increased my rate and increased my Home Insurance and made me pay more. 
I already sent the information but being the same company they are doing the same. Delaying and they have not responded to my request for Loan modification even though I already sent all the information. 
They are making things difficult. I need to make sure I can take advantage of the low rates. Apparently I am not allowed to try to refinance with anybody else. They lock me and are keeping me hostage with debt. 
This time I should be helped since I am the home owner. As the FHA guidelines suggest. 
My hardship has been : 1. I suffered health issues due to my XXXX illness. XXXX XXXX amputation XXXX. 
2. Because of the pandemia, I lost my job in the hospitality business XXXX in the software branch Interval International. 


Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a credit alert that a hard credit pull had appeared on my TransUnion account. This was a fraudulent pull. XXXX  XXXX XXXX was listed as the inquirer, and I called them to get further information. I was informed that someone had tried opening a XXXX XXXX XXXX credit card in XXXX, a state I have not been to in years. I reported this fraudulent activity to both XXXX  XXXX XXXX and TransUnion, but the hard inquiry is still on my credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 Genesis global capital LLC closed all accounts for fraudulent banking practices. All assets were frozen transaction. History is nil unable to gain assets of bitcoin XXXX XXXX $ is XXXX and investments that were fraudulently represented and presented on the platform into us users all account access has been, frozen and litigation to receive funds
Product: Mortgage

Hail storm of XX/XX/2018. XXXX issued check for {$21000.00} on XX/XX/2018. payable to me and Round Point. We endorsed said check and sent to Round Point. I was need in funds to replace my roof and to do the rest of the repairs. Forms notarized and sent in. Round Point says one is not legible and sets everything aside. Two weeks go by. Call on the phone, Forever on hold. Given apology. Resubmitted said document.

Finally, Round Point has agreed to release some of the funds ( today is XXXX XXXX ). to pay my poor roofer, who has been waiting for 2 months. 
However, the check which was to pay my roofer, was sent to someone in West Virginia. I was given the XXXX tracking number. We live in Colorado. Response is questionable. 
Working with XXXX XXXX and XXXX XXXX. 
Five months after the hail storm, I have yet to recieve as much as one cent back from Round Point.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX 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

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or remove the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment of {$260.00} to PayPal Credit. My XX/XX/XXXX statement listed a XXXX balance of {$480.00}. During the month of XXXX, I charged XXXX purchases totaling {$170.00} called " standard purchases '' that are accruing 26.99 % interest. My entire payment of {$260.00} was applied to the no-interest balance of {$480.00}. This balance will not begin to accrue interest until XXXX of XXXX. The Card Act of XXXX requires that credit companies apply any amount over the minimum payment to the highest interest balance, which means that at least {$230.00} should have been applied to the high interest purchases. The XX/XX/XXXX statement that I have attached shows that the new no-interest balance is now {$250.00}, meaning my entire payment was applied to that balance. I contacted XXXX on XX/XX/XXXX and spoke with a customer service representative located in XXXX and she did not understand what I was saying regarding the law in the United States. She told me that when I make a payment, I have to CALL XXXX and ASK them to apply the payment to the higher interest balance. That is not my understanding of The XXXX XXXX of XXXX, which requires them to apply any additional funds to the high interest balance automatically- the consumer does not have to call the company to ask that they follow the law.
Product: Checking or savings account

XXXX XXXX XXXX XXXX from XXXX 's in the amount of {$29.00}. I did not receive my entire order. I contacted XXXX, and they refused to do anything to make it right. I disputed the charge with my bank, and they denied the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data Breach. My data was part of the breach.
Product: Debt collection

This company violated the fdcpa by repeatedly calling me after I stated that all communication should be done via mail. I have also received calls from family and friends that Ally Financial has called and texted them numerous times about an alleged debt owed. This is not only a violation of the law on my behalf, but also on my family and friends behalf too. In order for Ally to furnish information to credit reporting agencies they need my permission and validation of the debt. I do not own any debt. Debt is an obligation therefore this debt is not my obligation and the alleged amount owed is null and void. Only the consumer can validate a debt, I am the consumer and deny all allegations of debt owed by me to Ally and demand that my credit report reflect such. 15 usc 1681 ( b ) states If the transaction being reported on a consumer report is not a consumer credit transaction, it can only be reported with permission from the consumer 15 usc 1681b ( c ) ( 1b ) ( iii ) states a consumer has the right to privacy and can ELECT to have his name, address, and any other information excluded from a consumer report. I ( the natural person ) didn't initiate any transaction, the corporation/organization initiated the transaction.
Product: Money transfer, virtual currency, or money service

I need your assistance ; I have to resolve this situation, and to no avail has it been resolved. I complete a XXXX Money transfer from my Wells Fargo Checking account to XXXX XXXX, XXXX, email address XXXX. I transfer a total sum of {$350.00} on XX/XX/XXXX for the exchange of merchandise. After transferring the funds, XXXX XXXX changed her number, email, and her XXXX profile. I immediately contact Wells Fargo, provided my information, and was informed an online transaction claim would be started. A Wells Fargo representative also told me if my claim was still not resolved within the ten business days, I would be provided a provisional credit of {$350.00} until the claim was resolved. 

I contact wells Fargo today, XX/XX/2020, at XXXX XXXX at XXXX ; I was told that my claim was still being worked. I was also told the previous information received from the Wells Fargo Representative on XX/XX/XXXX was not accurate, and no provisional credit would be granted. I requested to speak with a Supervisor who said I would not be receiving credit and would not be getting my money back from filing the claim. 

I am a single parent of XXXX girls, and this purchase was for XXXX gifts. I am desperately seeking your assistance to help rectify this situation and give my kids a XXXX. I am currently unemployed and have no additional funds.
Product: Credit card or prepaid card

On Friday, XX/XX/2019, when I signed into my PayPal account I found they demanded that I pay {$180.00} into the account since I was overdrawn. 

There was no indication why this was the case. I have both a PayPal Mastercard where I have available credit of {$86.00} and a PayPal line of credit where I have available credit of {$47.00}. 

Thus, it is not obvious why I should owe money to PayPal. 

I called and spoke to XXXX who told me that the reason for the overdraw is that PayPal made a payment to XXXX XXXX for material shipped in XXXX and the total for the two ( 2 ) charges was {$180.00}. 

I objected since I always pay for XXXX XXXX merchandise thru PayPal Credit where there is no full payment due for 6 months if the charge is over {$99.00}. In this case the order was over {$180.00} and should have been programmed to be paid over 6 months. 

When I placed the order ( probably in XX/XX/2019 ) the policy of XXXX XXXX, is not to bill until shipment. At that time, I had plenty of credit with PayPal Credit. I assumed that since I placed the order, PayPal would list this as a pending charge and deduct this from my available credit. 

Apparently PayPal did not deduct this from my available credit even tho the order went thru. The material was received in early XXXX and PayPal apparently paid XXXX XXXX, in full, tho that is not shown anywhere on the record of the website. I learned this from XXXX. 

PayPal apparently tried to draw the funds from the bank account associated with my PayPal account but since it had no funds, they got no money. 

I tried to settle this with PayPal and after I spoke to XXXX, he transferred to XXXX with whom I spoke and explained the above. She told me that since I disputed the transaction, she would transfer me to someone else. After waiting for 4 minutes, I was cut off. PayPal knew my phone number since both XXXX and XXXX asked me to give it to them. PayPal never returned the call despite knowing my number. I think PayPal wants to duck the issue, hence this complaint. 

I think PayPal engages routinely in fraudulent transactions and tries to milk money illegally from its clients. I did not intend to pay for the full {$180.00} order but rather over 6 months. That is why I use PayPal credit. 

When PayPal tells me I have available credit, I rely on them to make transactions. For them to suddenly turn around and tell me that I owe them money without any explanation is fraud. 

The best solution is to add the {$180.00} to my balance at PayPal Credit. I will pay this off over time using the 6 month grace period as is the policy. 

I have always paid my bills with PayPal and as noted I have available credit in both my PayPal Credit and PayPal Mastercard accounts. 

If PayPal had a problem with the {$180.00} charge, they should have let me know and I would have used another credit source. 

PayPal plays fast and loose with money and accounting. They also have poor customer service as noted above.