23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I booked a hotel on XXXX through citi travel agents on XX/XX/XXXX. Unfortunately the flight got delayed due to the problem of XXXX XXXX. I called the hotel front desk and they suggested me to seek help from citi travel agent since I booked through them. I called citi twice and they promised me to solve this problem and gave me the update. But they ended up doing nothing until I called them next morning. Eventually the hotel treated it as no show case and refused to refund me. I disputed this charge since it is the fault of citi bank travel agents. They judged me it was my responsibility. I called them to complain and they cheated me and told me I won the case on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/13 I called XXXX in regards to a reduction of my credit limit from {$1000.00} to {$500.00} after I made a payment of {$700.00}. The company stated that they reduced my limit based on false information provided from creditors. 

XX/XX/13 A payment was made of {$700.00} to lower credit utilization. Immediately after that the credit limit was reduced to {$500.00}. This is impacting me significantly and I need this resolved immediately.
Product: Credit reporting or other personal consumer reports

Please look into this. I have sent these companies several documents different times and they are saying they can't investigate the accounts anymore. It has been months, I and asking for them to block these accounts. 


I have provided this information they have requested, several times and they have not honered the request dispite me giving the police reports, fraud verification and various reasoning. 


They have said they don't know which accounts to block and I have submitted the accounts to block as well.
Product: Vehicle loan or lease

I spoke with GM/Cadillac Priority Care in regards to my Cue device several times. The Cue device is the central unit that controls, the radio, temperature, blue tooth settings, entertainment etc. The screen has been webbing ( delaminating ) for sometime now. I am not sure why not but this issue should have been under recall. Additionally, there is a lawsuit against GM in regards to this matter. I have also, reached out to GM Financial in regards to this. This issue is a factory defect. The dealership wants to charge me {$350.00} to repair. Nothing against the dealership that I go to they are amazing, but I should not have to pay for something that is a factory defect ( well known issue with these devices ). I have not been able to properly use my vehicle in moths giving the intermittent functionality of the Cue screen.
Product: Money transfer, virtual currency, or money service

I am writing to explain the situation regarding my Venmo account. My account has been permanently deactivated, but I still have funds in my Venmo balance that I can not withdraw. 

Whats even more concerning is that Venmo mentioned I had submitted my ID, but I have never sent my ID or uploaded any documents to Venmo. It seems someone may have accessed my email and submitted a fake ID without my knowledge. 

Please help me recover access to my account so I can withdraw my funds, and guide me on how to provide the correct information securely. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 I spoke with Manager from Thunder Road Financial out of XXXX, NV. She stated that the dealer XXXX XXXX was out of business. Thunder Road has been reporting to the credit bureaus that this account is late 120 every month over the years. I have not made one single payment in two years due to the fact they never sent me the correct title/registration for my motorcycle. SC law states that once you purchase vehicle/motorcycle you have 45 days from date of purchase to get registered. I've been calling from day 1 to get this information corrected. Long story short Thunder Road had me signed purchase contract and the contract has the wrong VIN number throughout the entire contract!!! This is a breach of contract from day 1!!! Now the manager will not accept any of my phone calls. They have been ignoring me since ... All I want is this inaccurate information off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother, XXXX XXXX XXXX, took out student loans in my name without my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report  because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX to XXXX, I was a victim of a money scam. I have filed a police report to the XXXX XXXX XXXX Police Department ( PA XXXX ) On XX/XX/XXXX, and XXXX of this year XXXX, I made a total of four transactions to two email addresses that were operated by the scammer. PayPal returned me the money for one transaction on XX/XX/XXXX, but declared the three others as normal transactions, even though the email addresses of the recipients belong to scammers and my history of transactions on PayPal shows no similar transactions, neither in dollar amount, nor in frequency of transactions. 

The transactions and the emails associated are as follows : XX/XX/XXXX, {$2700.00} XXXX XXXX XXXX XX/XX/XXXX, {$2200.00} XXXX XXXX XXXX XX/XX/XXXX, {$2700.00} XXXX XXXX XXXX XX/XX/XXXX, {$2700.00} ( returned ) XXXX XXXX XXXX My bank has cancelled all four transactions. 

I am asking PayPal to cancel the outstanding debts of the three not yet cancelled transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my equifax credit report that I have disputed three times that is reporting fraudelent information. The company 's name is XXXX XXXX. I went into this company to try to get it resolved after a third dispute thru equifax on XX/XX/XXXX. The company 's owner refuses to talk to me. He sends a very rude woman out to talk to me about the account. She says the account is not even in their files anymore. I kept trying to show them on my phone how it was reporting on my equifax report. The lady continue to be rude and talk over me, so I left. It is reporting on my equifax report as an open installment loan from XX/XX/XXXX with a XXXX balance. The results of the third dispute with equifax came back on XX/XX/XXXX stating that XXXX XXXX claimed that the account was included in my bankruptcy. I filed for Bankruptcy in XX/XX/XXXX. The XXXX XXXX account was paid off well before then and was not included in my bankruptcy. I called Equifax on XX/XX/XXXX and talked with a supervisor. She looks at my report and sees that the XXXX XXXX account is not correct and still tells me she ca n't do anything about it. She then tells me to dispute it a fourth time. Now I have been paying for equifax credit monitoring services every month since XXXX and this is how they treat their customers. They see fraudelent activity and wo n't do anything about it. So I told the supervisor at equifax I was cancelling my services. She was very nonchalant about it and connected me to the cancellation dept, so I cancelled my services. I called XXXX XXXX after I got off the phone with equifax. The same rude woman answers the phone. I said please hear me out I 'm begging you, please let me explain how y'all are keeping me from fixing my credit. She talked over me and hung up the phone in my face. Despite to find a solution I talked to my bankruptcy lawyer. They said they can write XXXX XXXX a letter stating that they were not included in my bankruptcy, but they ca n't make them change anything on my credit report. So I researched online and found CFPB. I am praying that CFPB can resolve my problem with this XXXX XXXX XXXX that has been treating me with unbelievable disrespect.
Product: Student loan

I enrolled in The XXXX Institute of California - XXXX XXXX and graduated XXXX in both XXXX and XXXX. To cover the cost of education I took out both types of Federal Loans and also a private loan from the school itself. I currently owe the school just over {$8000.00}. The issue is that when I got into the XXXX field I found out that the degree is nearly useless. It 's only use is for XXXX that most companies will only hire after years of experience, which I could have gotten without the degrees. Even more so is that the job help that they provided was the same, XXXX positions that I could have gotten through basic job searches. 
My time and money were wasted and all I got out of it was constant phone calls asking me to pay for my schooling, but no job that pays enough to afford it. 
Even more, when I was going to school my monthly payment they asked for was {$79.00}. After my first year, that was bumped up to {$120.00} then finally hitting over {$200.00} after the second year. This was explained after the fact when they said XXXX the semesters out of each year was not covered by the loans. 
So I sit, fighting to find a job that can pay, taking odd XXXX jobs that can barely keep me above water and having the school call me to threaten me with debt collectors to take money that I do n't have. 
I was trying to help my family and now I 'm lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a new vehicle from XXXX, the business manager ran my credit 3 times without disclosing me that he was needing to pull it. The representative admitted his mistake in pulling one and indicated he needed to pull from a separate source which was not disclosed. I filed a dispute with equifax online and after numerous failed attempts at accessing the report on their website was directed to call them. After speaking with a representative of equifax was informed they would not be able to dispute any inquiries despite contacting the creditor whom pulled to have them removed. No where on their website does it state these can not be disputed and was a complete waste of my time. I feel like they are refusing to protect my credit from these inquiries that were unauthorized and need assistance.
Product: Debt collection

XXXX XXXXXXXX XXXX attempting to collect a reported amount due from the original collector " Klarna ''. Documented emails of communication from the Klarna company invoice statement was sent as a final notice ( warning prior to sending this to collection agency " XXXX '' ) shows the unpaid amount left owed on the account to be exactly {$11.00} remaining due, to be paid by XX/XX/year>. 

Verification for the debt that was reported to the collection agency was unavailable for me to request to see. Only option accessible to me when contacting the company was direct link to input financial information for processing a payment. No access to view or dispute the transaction was available for me online, and calling customer service as a way to address the claim in the amount of {$18.00}, that is reported against me. This information is incorrect, and seems fraudulent when asked to provide any further information to my right as a consumer.
Product: Debt collection

I am writing to request the deletion and removal of the accounts and information listed below from my consumer report. It is clear that these accounts and information should not be reported on my consumer report, and their inclusion constitutes a direct violation of the FDCPA and FCRA. Therefore, I urgently request that these accounts and information be promptly deleted and removed from my consumer report to rectify this violation of multiple laws. I kindly insist on the immediate removal of these accounts and information.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX  Balance : {$310.00} ; XXXX XXXX XXXX XXXX  Balance : {$720.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$880.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$310.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I opened a Citibank account, I was XXXX and we were opening an adult account. The guy didn't mention anything about the age requirement and he knew I wasn't XXXX because I came with my mother to open the account and we both mentioned my age countless times. We put in {$3100.00}. 
After opening the account a week in I start to set up a XXXX, XXXX, and XXXX XXXX   account. Then on XX/XX/XXXX, I get a letter from Citibank saying that my account is closing due to suspicious activity and I will be receiving a check in at most 2 weeks. I called the number in the letter and they kept saying they didn't know what the problem was nothing was showing up and that I need to go into a branch to get the information I need or I wait for the check. So I wait every day checking the mail to see if the check arrived, 2 weeks pass, no check, I give them a week because I'm nice, that week passes still no check. I call the fraud department and they tell me to go into a Citibank and get help there. I do that and this very sweet lady helps me and basically says that I should go to the branch where I opened the account or call the number again and ask them to resend my check. I call them they resend my check, I wait for the check, no check, I call them again, verify all my information, the check is resent, I wait for the check still no check. I call in for the fourth time, all the information is still correct, the check is resent and I wait and to no one 's surprise, there's no check. I try for the 5th time and i said if this doesn't work I'm going to the branch where I opened the account. Next thing I know it XX/XX/XXXX, I'm XXXX and I'm at a Citibank with my mom and are talking to a woman who apologizes and says she can't really help and that we have to call the fraud department. Which brings us to 3 weeks ago, when I called the fraud department and they had told me that a check was never ever sent out to me and that a check will be sent to me and I'll receive a check in the mail in about 2 weeks, it's almost XX/XX/XXXX and I still don't have my {$3100.00} that I've been waiting for almost a year for. I have been kind and patient and calm, but after waiting for almost a year this whole thing is really frustrating me.
Product: Credit card

On two separate occasions I have initiated a balance transfer from XXXX to WELLS FARGO to pay off a balance. Both times WELLS FARGO has returned the payment. 
Pursuant to UCC 3-603 ( c ) interest no longer accrues on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the company two certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to  XXXX   XXXX .   Both companies have yet to provide any validation bearing my signiture.     After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get credit.
Product: Debt collection

received a notification from all XXXX credit agencies that this entry was made to my credit history. have contacted the collection agency in question 4 times to try to verify the debt and get more information. To date ( 4 months later ) I have not yet received a reply. Have tried calling them 3 times only to hear that the manager will call me back. No-one has called me back
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to the bank of course XXXX Wells Fargo XXXX Georgia XXXX XXXX a check was Wireless deposited into a bank account and without the permission of the owner of the check the account owner lied to the check on her stating that it was needed for other reasons and I then went to the bank and ask if I had a check and their bank Wells Fargo XXXX Georgia XXXX XXXX and I was then greeted Buy the supervisor on duty and she took my license and within seconds she asked me several different questions that I have a car number that I know where the check come from that I know how much the check was I didn't told her no but I supposed to have a check in this Bank wrongfully secretly deposit Wireless without my permission then the owner then stated company policy which is the bank is they can't deliver any information about anyone account without legal documentation so I went to the Sheriff 's Department in XXXX County XXXX Georgia XXXX and ask law enforcement what would be the proper procedures of retrieving the check that was deposited transfer or instructions in how to take legal actions they toad me I will have to go back to the bank and get a fraud affidavit I then went back to the bank and requested a fraud affidavit and was denied buy a male secretary in the bank and I have a witness that was present during the denial and the referral back to the Sheriff 's Department XXXX County XXXX Georgia I then renounced and see other advisement of solving this problem I am streaming disappointed stressed out and I need this resolved thanks have a wonderful day be blessed and the dates will be the XX/XX/XXXX. XX/XX/XXXX. and then the XX/XX/XXXX. XX/XX/XXXX this will conclude my statement
Product: Credit card

I'm in the middle of a divorce and got behind on credit card payments. I contacted Chase in XX/XX/year> and was able to get on a payment assistance plan and made payments through that plan by auto-deduct from my checking account for XXXX, XXXX and XXXX. As XXXX was the last payment, I went to my account online and noted I've been charged late fees and interest while on this plan and my balance is still over the credit limit and my monthly payment is showing as over {$600.00}. I called Chase and was on the phone for over an hour, transferred to 5 different representative and when I finally talked to someone in collections about another payment plan, the call disconnected. I tried to call back and was told they can't transfer me back to the person I was working with. I'm just begging for Chase to help me at this point. I'm a XXXX XXXX  with XXXX XXXX and I'm trying to pay on this card and get the balance down. Is there someone who can please review this and contact me to hopefully set up some kind of plan.
Product: Credit card or prepaid card

On XXXX XXXX some used my capital one card and paid it off then the payment returned. They sent me an email saying call them and verify my payments which I did then they unlocked my account. 2 weeks later, my account is restricted again which they keep telling me verify a payment I have no clue about. As I keep telling them i dont know, they keep beating around the bush telling me I need to go find the person who did and until then my account is gon na stay restricted. Ive even had representative tell me change up my story and they might be able to work with me which I did cause I was so desperate to just get my account back. Ive never had a problem with them till now. Unfortunately they ended up closing my account causing my credit score to drop bad which is now affecting me. Pleas tell the fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments reported after I made payments