23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> I bought gas from a gas station named XXXX XXXX XXXX XXXX Oklahoma. On XX/XX/year> I saw that someone had used my account to buy gas at a XXXX in XXXX Oklahoma, two transactions totaling {$280.00} on XX/XX/year>. I contacted my bank to dispute the transactions and freeze my current card as well as have a new one sent to me, i explained that I have never been to this XXXX location and Ive never spent this amount of money in gas and I think a card skimmer was used. I was told that the investigation for the dispute would take a minimum of 10 days and if the bank had not made a decision I would receive a provisional credit for the amount I was disputing. On XX/XX/year> I received the provisional credit and then on XX/XX/year> I received an email stating the disputes had been denied and the provisional credit would be taken back out of my account on XX/XX/year>. I replied on XX/XX/year> and asked for the investigation to be reopened, on XX/XX/year> I received an email stating that the investigation would be reopened but I needed to provide new information that was not previously provided otherwise the investigation would remain closed and that SoFi is unable to advise what is needed in order to appeal the claim. I did not know what to send so I called and spoke with a representative and explained my situation and they said they would put in a note. I had not received any updates by XX/XX/year> and I had spoke to multiple representatives who told me that my appeal was open and that I would hear back within 10 business days and then when I called after 15 days I was told to just wait for an email. I finally replied to the email from XX/XX/year> to find out that my appeal had been closed and the investigation was not open so what I had been told by those representatives was not true. I would also like to note that the provisional credit that was taken out of my account put my account into the negative and the money in my savings was taken to cover the negative balance however it wasnt enough so my account was still in the negative. On XX/XX/year> I finally got the investigation reopened and I spoke with a representative named XXXX who I sent screenshots of all my transactions that I thought would be helpful. I sent photos of the transactions I was disputing as well as photos of all my previous XXXX transactions showing that I always go to the same XXXX and that I always spend less than {$100.00}. On XX/XX/year> I received an email stating that the appeal was denied and the investigation was officially closed and that I could request a copy of the documents SoFi used in determining the finial outcome of the investigation. I just want my money back and I dont know what to do. I have attached the emails I received from SoFi as well as the photos I sent to SoFi as part of the investigation
Product: Debt collection

This company has called multiple times asking for someone I dont know each time I tell them I dont know this person and inform them to please stop calling my home. Today I answered and tried to say hello multiple times after I said it three times the lady on the other end said I SAID I WAS CALLING TO SPEAK TO XXXX, ARE YOU _______ to which I replied no because Im not. To which she proceeded to be extremely snarky. And I hung up.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  EQUIFAX : XXXX XXXX, XXXX XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX THIS IS NOT MINE, THIS IS FRAUDELENT i, am a victim of identity and my information was exposed in the data breach. you have to remove all these inquiries don't turn my disputed into a day dispute under section 605b this needs to be removed within 4 days.
Product: Student loan

I had {$25000.00} of federal student loans serviced through EdFinancial. I made {$20000.00} of payments to these loans which EdFinancial correctly states. I refinanced the remaining {$5000.00} of loans through XXXX on XX/XX/23. It has been nearly two months and EdFinancial has not reflected this final payment and has even accrued interest on the amount that should have been paid off. I reached out to XXXX and received proof that they made this payment to EdFinancial on XX/XX/23 and it is attached to this complaint. I reached out to EdFinancial and they only shared me payoff information that I made myself and did not address how the remaining {$5000.00} is not being reflected. This was after a phone call and many emails that were not responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( ACCOUNT # XXXX ) IS LISTED ON MY TRANSUNION TRADELINES AS AN ADVERSE ACCOUNT AND REPORTING 30 DAYS LATE IN XX/XX/2019. THIS ACCOUNT WAS PAID ON TIME. I CONTACTED THE COMPANY AND DISPUTED THIS ACCOUNT WITH TRANSUNION I SPOKE WITH A REPRESENTATIVE AND HAVE RECEIPTS TO WHERE THIS ACCOUNT WAS PAID ON TIME. 
WHEN I DISPUTED THE ACCOUNT WITH TRANSUNION THEY STATED THAT THEIR INVESTIGATION CONCLUDED THAT THIS REPORT WAS BEING REPORTED ACCURATELY. THERE IS NO WAY THAT THEY COULD HAVE INVESTIGATED MY DISPUTE FAIRLY BECAUSE THEY WOULD HAVE SEEN THAT THIS ACCOUNT IS BEING REPORTED IN ACCURATELY AND THAT THE CREDIT UNION HAS ACKNOWLEDGE THAT THIS ACCOUNT WAS PAID ON TIME.
Product: Credit card

Discover is displaying the incorrect balance for my credit card. Please see attachment and not that the math does not add up. Also note that if you included the pending activity of {$8.00} you still do not arrive at the balance that is stating so the pending activity can not be the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have filed complaint on line and by certified letters to all three parties involved who keep passing the buck to each other blaming other parties included! Problem was not really investigated cause if was it would be fixed by now! Mortgage lender filed bankruptcy sold to other company which in return showed closed account with XXXX balance which hurt my credit by 40 points! But trying to tell them my account is still open the mortgage is still there is NOT paid off!! so they ruin ur credit not my fault they filed bankruptcy! Im still pay on a XXXX mortgage that they show closed but has changed hand serval times before and never went thru this! They cost me a loan XXXX. For there mistake cause ur credit goes by ur score and closed accounts and how much u can borrow I pay my bills and work hard to keep a XXXX score or better for a company to be able to ruin financial life is wrong when its there fault not urs have filed complaints and nothing is being done but passed on the blame to reporting XXXX  and Transunion from XXXX XXXX  my score should have never changed my mortgage is still there all it did was change hands
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letters to the 3 Bureaus last XX/XX/2022 to delete the inaccurate and unverified account on my credit report until now they are not deleting the accounts that i listed on my letters it has been more than 30 days and it's a violation..
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were unauthorized by me. The contract or lease agreement was never signed or authorized by me. I had a security freeze placed on my account. I am unsure as to why XXXX was able to pull my credit. The company XXXX XXXX has sent a cancellation request for an unauthorized loan/agreement for a car or vehicle. 

I tried working with both XXXX and Equifax to remove these unauthorized inquiries which has cause my credit score to decrease from XXXX to XXXX. My next action is to follow through with legal action if these inquiries are not removed.
Product: Money transfer, virtual currency, or money service

I received money on Paypal from an unknown person because she is sending it to a person of the same name as me. Paypal app is not smart enough to guide people to the right person. I use Venmo and XXXX as well but have never faced any such issues. I have contacted Paypal but their support is clueless. I changed my Paypal email address as well but no luck. In fact Paypal also charged me {$15.00} for no mistake of mine. The buyer sent me the money and then asked Paypal to refund it. Paypal " ASSUMED and CONCLUDED '' that I am the seller and charged me {$15.00} for the transaction. This is really sad and very unprofessional from Paypal 's side. THIS HAS HAPPENED MANY TIMES NOW AND DOESN'T LOOK LIKE PAYPAL CARES FOR THS INCONVINIENCE CAUSED TO ME. Case number - XXXX XXXX Paypal charged me {$15.00}. How did they conclude that I am the actual seller. I AM NOT. 

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

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number:XXXX in XXXXXXXX XXXX XXXX This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, XXXX and TransUnion ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

there are two accounts on my report that do not belong to me. 
CREDITOR : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$0.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX CREDITOR : WF BANK NA ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$6000.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX
Product: Checking or savings account

I was trying to open an account with a credit union and i was told that I had to call  XXXX   XXXX    XXXX    and resolve an issue before receiving an account. I called  XXXX  and was told Bank Of America had reported me to them for fraud. I filed a dispute with   XXXX   about this issue and they even transferred me to Bank Of America to try to resolve the issue this was  XXXX  between the  XXXX  and the  XXXX . I talked to the recovery department and i explained to them my issue and they told me i had to write a lette r of Dispute wh ich i also did and still have yet to get anything resolved I told them i had no knowledge of the closed account nor was i responsible for the issue they are accusing me of which is what i was told was a {$40.00} overdraft and is the reason the account was closed and reported. I just want them to remove my name from   XXXX   XXXX   XXXX   so i can get my account straight with the credit union. I have called BANK OF AMERICA multiple times to resolve this issue I have also called  XXXX  multiple times to resolve this issue and have filed multiple disputes and complaints PLEASE JUST REMOVE MY NAME FROM  XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report it is a fraudulent inquiry from XXXX XXXXXXXX XXXX XXXXXX/XX/year> can you remove this from my credit report immediately
Product: Consumer Loan

I purchased a set of Saladmaster cookware and used Preferred Credit, Inc. ( PCI ) for the financing. The promotional financing was 12 months same-as-cash. The contract says that I will not be charged interest on the balance until the 12 month period expires and the interest will only be applied to the unpaid balance. 

I received XXXX statements, XXXX in XXXX and XXXX in XXXX. My XXXX statements shows an interest charge of {$55.00}, which increased my overall balance. I contacted PCI and spoke to a supervisor named XXXX. I explained that I was not supposed to be charged interest and that I wanted the statement corrected. She said that even though I do n't have to pay the interest right now, PCI is required to show the interest that " would be due '' if I did n't pay before 12 months. They do not however, report the actual balance without the interest charge. I asked her if the balance that PCI reported to the credit bureaus included the interest charge and she said yes. I demanded that PCI stop reporting a debt amount that I did not actually owe and that PCI correct my statement to show the actual amount I owed under the 12 month same-as-cash agreement. The supervisor refused and said they were required " by law '' to report the balance that included the interest, even though I do n't owe that amount unless and until I do n't pay the balance within 12 months. 

PCI is falsely reporting my actual debt balance on my monthly statements by including the unearned interest. The statement does not reflect the actual balance, which does not include the interest. 

Additionally, PCI is falsely reporting the debt balance that includes the unearned interest to the credit bureaus, which makes it appear that my actual debt is greater than it currently is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my former job at XXXX due XXXX XXXX XXXX XXXX XXXX, and after also reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was sent to unemployment by HR. HR then lied to the state, saying I picked this, and my unemployment funds, ie. any income help during a global crisis to which I was suffering from at the time, were withheld for approximately 4 months. I spent this time on the phone, making calls to get into relief programs, etc., anything I could to save my credit score and not lose my good standing there too, as is all I have left after working very hard for years to get it to the mid XXXX. XXXX XXXX was the ONLY company that did not have any options, but wasted approximately XXXX weeks of my time, begging them with my situation for help. I was sent to one tier after another, then management, only to be brought back to the beginning of this call loop, making me now miss a payment when I was on hold in this circle of nonsense, with no solution other than a confirmed smear on my credit report. It will be included in the damages of my current lawsuit against XXXX multiple violations, and the ongoing domino effect it has had in my life. This is now negatively impacting my living situation, preventing me from getting my own apartment now that I finally have a new job. I have tried to dispute it through XXXX, however, only received a XXXX check from them months later for their 'failure to serve me properly during the pandemic, global crisis ongoing. ' Their dispute was settled in a matter of a week, and did not remove it from any of my reports, as they just confirmed they failed but put it on my shoulders. This nonsense is now on all XXXX reports and is the only negative thing listed there, messing with my life further. Their lack of assistance during a global crisis to which I suffered from yet still made it my full time job to call all billings I had to make sure I did not suffer further was to no avail with this heartless company, XXXX XXXX. I am working hard to eliminate any standing with them and close the account, but for now, need to continue my fight against their false report. I made every effort to remain in good standing and got help from all else but this company. They have taken action against me in filing these alleged missed payments ; I literally ran out of all my savings and had to ask family and friends to help me survive. Likewise beg billing services for understanding, adding more humiliation to a difficult situation. I should not be made liable for this, as is a false smear against me when this company simply did not act to assist anyone on a human level during a time of ongoing suffering in this world. give me my life back please and get rid of these XXXX missed payments ' I never missed. I literally lost everything, and XXXX seemed to go out of their way repeatedly to ensure I continued to suffer even more, and continue to.
Product: Debt collection

Discussed my debt with my neighbor. Harassing me and my neighbors.
Product: Credit card or prepaid card

I am claiming three separate violations of regulation and guidance 1. ) Unfair & Deceptive Acts & Abusive Practices : On XX/XX/XXXX I called to use my point to purchase plane tickets. I was misquote/informed the value of my points. I was told that I had enough point to cover all four plan tickets and that I would have a balance of XXXX points after using points for tickets. On XX/XX/XXXX my points had not been applied to the purchase on the tickets and I was told I did not have enough to cover the purchase. 
2. ) Call Center Hold times : I spent 1 hour and 53 mins on the phone on XX/XX/XXXX attempting to rectify the issue. I was placed on hold for periods of time in excess of 18mins w/o the agent coming back on the line to inform me that I was still on hold. This is a tact employed by call centers in an effort to have the customer become frustrated and leave the call. Additionally, the agent misinformed me on specific facts/circumstance/protcol for accepting my formal complaint. He did not provide a time frame for resolution or review of my compliant. 
3. ) AMEX does not have a corporate compliant email avail to consumer on its homepage. In fact there is no way for consumer to get a hold of them via email outside of XXXX compliant, process or a physical address for mail.
Product: Debt collection

XXXX XXXX XXXX XXXX - XX/XX/year> - {$1500.00} + XXXX - Requested debt validation, assignment contract, proof of secularization and request for removal of credit report affiliated w/ ( XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was notified by a third-party servicer that my Equifax score XXXX XXXX ) had decreased by XXXX points leaving a score at XXXX. New credit is nonexistent and there is nothing negative on my account. I have instituted freezes on all three credit bureaus due to the recent and massive XXXX XXXX XXXX breach. In XXXX, my student loans have been paid off and routinely maintained a good standing. Currently, I am temporarily leasing, and I pay all of my bills on time. 

It appears a lack of credit movement is costing me in a grandeur scheme or a change of a company 's name. For example, a representative from Equifax was unable to provide a clear rationale as to why my credit score decreased by eighty-nine points. However, XXXX XXXX documented that the change was due to the creditor 's name on the account, which changed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please advise and thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint against Experian regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian to dispute certain information that I believe is erroneous. Despite my initial contact, I have not received any response or resolution from Experian. The following are the details of the disputed accounts and the required corrections : 1. Account Name : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} 2. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} 3. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} 4. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} 5. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} 6. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Original Creditor : XXXX XXXX. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Original Creditor : XXXX  I firmly assert that the accounts mentioned above are not mine, and their presence on my credit report is incorrect and unjust. I dispute the accuracy of the reported balances and past due amounts, especially for accounts that are closed and charged-off. These inaccuracies have adversely affected my credit score and financial reputation, causing significant prejudice to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act, the list of the account below has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681.

1-Account name XXXX XXXX Account number XXXX Charge off 2-Account name XXXX XXXX Account number XXXX XXXX off 3-Account name XXXX XXXX XXXXXXXX Account number XXXX Account XXXX Credit card Late payment 4-Account name XXXX XXXXXXXX  Account number XXXX Account type Credit card Deadcharge off 5-Account name XXXX XXXX XXXX Account number XXXX Account type Collection Has violated my right.

15 U.S.C 1681 section 602 A. states I have the right of my privacy.

15 U.S.C 1681 section604 A. It's also states 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 reporting containing any of the following items information any other adverse item of information, other than the record of conviction of crime which intent the report by more than seven years 68 awesome 15 U.S.C. 1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to consumer to any consumer reporting agency 's if the person knows or has responsible cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX I traded a XXXX XXXX XXXXXXXX truck to upgrade to a XXXX XXXX XXXX truck, I was talked into leasing instead of purchasing the vehicle. The dealership this took place was at XXXX XXXX in XXXX XXXX and 3 months later they sold to XXXX XXXX. The contract I signed was a digital signature and the residual balance is {$22000.00}. XXXX has a different residual {$30000.00}. I have contacted XXXX XXXX multiple times and XXXX Consumer Affairs did not get any helpful advice other than XXXX stating that each dealership is independently owned. I filed a complaint with the Attorney General Consumer office and XXXX XXXX XXXX XXXX XXXX tried to help with the complaint reached out to XXXX and stated same results they told me. If this happened to me how many other people did this happened to. I will attach all documents I have regarding my complaint. Also the last person that was suppose to make a judgement on the case was XXXX XXXX XXXX Any help would be greatly appreciated, thank you