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

I purchased a XXXX XXXXXX/XX/XXXX at XXXX XXXX XXXX XXXX it had 3 miles on the truck. So after flying from XXXX to XXXX to pick this Truck up. In which I had a {$75000.00} check in hand that process alone took 2 hours for no reason. This isnt my first time doing this and the process was supposed to take 30 mins or less. Stranded on the side of the road after being only 63 miles from the dealership I noticed the air was leaving the vehicle at a rapid pace. 27 to 25 to 20 to 18 then I pulled over and didnt see a nail in the tire. So I saw a sign for a gas station and barely made it there 18 to 10 to 8 to 2 and thank XXXX I was pulling into the gas station. So after taking the tire off I noticed the tire valve was extremely loose on this brand new XXXX XXXX yes a XXXX! I was upset and missed my XXXX appointment because of this inconvenience. The friendly XXXX rep XXXX wasnt very knowledgeable on the process of the check or how to keep a customer satisfied. I told her what happened and she didnt care. She said call road side ( in which they said a 2 hour wait ), which is why I changed the tire ( that was a struggle )! The truck has been in the shop for leaking trans fluid then oil 4 times. 
*** ( XXXX responded about hrs later with the roadside assistance gesture, they knew we were flying out there to pickup the vehicle & they still werent prepared, & friendly XXXX wasnt very friendly & communications were very different after the purchase was completed )!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. AMEX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. XXXX has not done their job in verifying this information. I've contacted them numerous times over the phone as well as AMEX. The account is in good standing. XXXX has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both AMEX & XXXX to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is changing old information about account as if they are new account. I had a fraudulent account that was investigated and I filed a police report on and it was blocked due do the investigation. XXXX XXXX XXXX has change the original date, loan amount and account number with XXXX, Exquifax, and XXXX. XXXX XXXX may have sold or sharing the account with XXXX. I believe this is against the law under fair credit report act.
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 : # XXXX, Account name : XXXX XXXX  : # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX / 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, 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: Checking or savings account

My husband died on XX/XX/XXXX. I learned recently while doing other work on line that his name was never removed from my checking account..even though at the time of his death, supporting documents were all submitted as requested. When I called to correct this, I was told that yes, they do have his death certificate on file, but they would have to refer me to the Bank of America Estate Unit. I received a case file # and a case manager who directed me to download tax form L-8, fill it out, have it notarized and submit it along with another copy of the death certificate. I did so, however, I was unable to fill in the balance available in my checking account on the day of his death, because it was almost 12 years ago! I was told by the case manager when she received the document, that I must call account services at my bank and they would provide me with that number. The next day I spent hours on the phone talking to at least 6 different people, none of whom could furnish that information, because apparently records are retained for only 7 years. Why didnt my case manager know this? I emailed her on XXXX, XXXX explaining that i was unable to provide that number and why. I also explained that the encrypted email that she had sent me I was unable to open. My case manager called me today to once again insist that a number must be placed in that tax form box, even if its the number of my current balance. I also learned that a 50 % hold had been placed on my checking account! No wonder when I tried to pay bills on line yesterday all of my payees had disappeared and I was on the phone again trying to diagnose that issue for at least 90 minutes including hold times.Today I find out that the automatic payment to my home mortgage company was returned due to lack of funds because of this hold. 
As requested, today I downloaded a second L-8 form, filled it out, had it notarized again, and I also included copies of letters from XXXX  court granting me guardianship of my husband when he first fell XXXX  in XXXX. These I mailed today. In the meantime I have no idea how many bill payments will be sent back due to this entirely unnecessary hold on my funds. This matter has been grossly mishandled and I am livid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting items on my credit report without my permission.
Product: Debt collection

In the beginning of XX/XX/2020 I tried to pay off a credit debt to PayPal but instead I transferred the money to someone I didn't know. I called PayPal since the transfer hadn't processed yet. So they said they couldn't stop the transfer but I could call the bank to do a stop payment and they would be able to handle it as an internal affair. So I did, I paid off the credit debt owed to PayPal. But now my account was XXXX $ so I called and it was a different person they said I had to at least contact the person who I sent the transfer to before they could do anything ; and they could only give me an email to contact them. I emailed them and the the email itself did not exist. I call a third time and now they said that its not in their policy and that if they didn't give the money back I would owe the XXXX .
Product: Debt collection

Midland Credit Management has placed a collection on my credit reports in the amount of XXXX. I do not owe this balance. I DO NOT have an account with XXXX ( which is who they purchased this fraudulent account from ). This is myself letting you know that this account that you have listed is FRAUDELENT and a RESULT OF IDENTITY THEFT and i would hope that you take those seriously.
Product: Debt collection

On XX/XX/year>, I received a letter from Jacob Law Group regarding this alleged debt. In response, I made a formal request for specific documentation to substantiate their legal standing to collect the debt. However, Jacob Law Group failed to provide the requested documents and, instead, forwarded what appeared to be partial account statements, which do not substantiate the debt or their authority to collect it.

Rather than supplying the requested documentation, your Jacob Law Group proceeded to file a lawsuit on behalf of XXXX XXXX, XXXX. T

he intention behind this legal action appeared to be to secure a default judgment, relying on the presumption that I would fail to respond within the required time frame. By filing this lawsuit without the necessary documentation and in an attempt to bypass the required debt verification process, Jacob Law Group used the legal action as a tool to threaten, intimidate, and harass me into submission. After multiple appearances in court, the law suit was dismissed because Jacob Law Group filed to prove their claim of the alleged debt.

Attached is the two correspondence sent to Jacob Law Group that was ignored and a copy of the law suit and its dismissal.
Product: Credit card

CitiBank Closed my account claiming it was per my request. I started with a secured card with Citibank in 2017. Paid the account successfully and was transferred to a credit card. I kept the account current to date. CitiBank closed my account saying that I requested the closure. When I asked for proof the company stated I didn't meet the criteria for their products when initially I signed up for services the company rendered. There was no email or mail communication stating that things had changed within the company criteria and I feel that I was discrimated against for my financial demographics although I kept this account current and up to date. I know several counterparts with Citi cards products and services and the company did not offer me anything prior to closing my account causing my credit score to be lowered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Balance {$230.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX XXXXnquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX DEPT OF ED / XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against a XXXX account appearing on my credit report with a balance of {$24.00}. I have been disputing this account with TransUnion and XXXX since XXXX and attempting to contact the creditor without success. Despite several attempts to contact XXXX over the phone to resolve this balance, each representative told me they could not locate any matching account in their system. 

This is causing me an immense amount of stress and confusion. I have sent them letters requesting more information about this debt, including a breakdown of the balance and copy of a contract but never received any reply. Further, I have disputed this with TransUnion and XXXX who have not conducted a proper investigation or supplied me with any results. 

The only response from XXXX was dated XX/XX/XXXX. It had the customer number field blank and stated that it could not find my XXXX XXXX Credit Account . I don't understand how this can be on my credit report if my information can not be matched to any account with XXXX . Additionally, when I called to follow up on XX/XX/XXXX to the number listed on my credit report XXXX there was no way to get a hold of someone other than an automated message.
Product: Credit card or prepaid card

My PayPal XXXX XXXX was subject to fraudulent use. PayPal was notified, cancelled the card and issued a new card. I used PayPal as a Direct Access Debit Card to my personal checking account with the XXXX XXXX XXXX XXXX, formerly XXXX XXXX XXXX PayPal although knowing there were fraudulent transactions kept submitting them for payment to my personal bank account, resulting in NSF charges by my Bank, which Pay Pal said they would reimburse, but have not. In addition, PayPal, although I repeatedly requested refused to contact my Bank directly to explain their policy and this resulted in my Bank asking me to voluntarily close my checking account, because of the excessive NSF charges assessed because of the PayPal policy to submit for payment, charges PayPal knew were fraudulent. PayPal has not fully reimbursed me all my NSF bank charges. PayPal has also not credited me with two additional unauthorized charges although they have been notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on credit file from creditors I never applied for credit with Disputed them and got a refusal to remove due to being a factual part of my credit file these inquiries have accumulated due to someone applying for credit using my information without my knowledge or consent
Product: Debt collection

Midland Credit is threatening to sue me over a debt that was bought that I do not owe, and have no knowledge over. I want them to send me a debt validation with my wet signature with the company Midland Credit as they are the ones harassing me and using threatening tactics.
Product: Debt collection

Portfolio recovery associates is reporting an account as a regular account however it is a collection account Portfolio recovery associates purchased this debt from XXXX XXXX Upon XXXX this debt they began reporting it to the credit buraus as collectable however Portfolio Recovery Associates never notified me that they purchased the debt. Portfolio recovery associates also never notified me of my right to dispute this debt. 

in addition Portfolio REcovery Associates is reporting the date of first delinquency as XX/XX/ when in fact the date f first delinquency was XX/XX/XXXXwith no payments or promises to pay being made after that.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Dispute of Reported Late Payments and Request for Investigation Process Explanation Dear CFPB, I am contacting you regarding inaccuracies I identified in the reporting of late payments for my XXXX XXXX XXXX account. These errors negatively impact my credit profile, and I request an immediate investigation and correction. Below are the account details and specific discrepancies : Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$3100.00} Balance Owed : {$0.00} Credit Limit : {$2800.00} Account Status : Open Payment Status : Current Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date XXXX : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Last Payment : XX/XX/XXXX ( XXXX, Experian ), XX/XX/XXXX ( XXXX ) Discrepancies Identified : Late Payments Reported : XXXX : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
Experian : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
XXXX : 30-day late payment for XX/XX/XXXX, 60-day late payments for XXXX and XX/XX/XXXX. 
Inconsistent Reporting : The payment history provided by the credit bureaus is inconsistent with my actual payment records, which confirm that all payments were made on time as per the terms of the account. 
The account status remains " Current '' across all three credit bureaus, which contradicts the reported late payments. 
Supporting Evidence : I have attached copies of my payment records along with the relevant sections of my credit report to highlight these discrepancies. These documents clearly demonstrate that I have fulfilled my payment obligations on time. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Additionally, credit reporting agencies are required to conduct a thorough investigation of disputed information and promptly correct any errors as per 15 USC 1681i. 
Requested Actions : Correction of Errors : Update the payment history for this account to reflect " Paid As Agreed, Never Late. '' Investigation Details : Provide a detailed description of the investigation process conducted, including the steps taken to verify the accuracy of the reported late payments. 
Proof of Late Payments : If the late payments are found to be accurate, provide verifiable documentation supporting this claim, including dates, amounts, and communication records. 
Please address this dispute within the 30-day timeframe stipulated by the FCRA. Failure to do so will be considered a violation of my consumer rights. I trust that you will handle this matter promptly and ensure the accuracy of my credit report. 
Thank you for your attention. Should you require any additional information, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX, XXXX  XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX ( both listings ), XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, and XXXX XXXX Account number XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I received an email from debt collector Wads Murray and Pugh Company saying I owed over {$6000.00} to XXXX XXXX XXXX debt. I disputed the amount in email, which was the way they sent my notice, within a week. I never heard back from them u till I received an email for a court judgement. In this filing was the debt they said I owed. They did. Or respond timely to my dispute of the debt amount. They said something about waiting on the HOA. 

I sent them a second dispute and advised them I was filing an action against them. I did t get the disputed amount I till after the court the filing. 

XX/XX/XXXX received email from XXXX XXXX saying I owe Over {$6000.00}. 
XX/XX/XXXX I disputed the amount officially XX/XX/XXXX I disputed the amount again since I had not heard from them XX/XX/XXXX XXXX XXXX replied she never received a request XX/XX/XXXX I received a court judgement withe attachments. For foreclosure!
Product: Credit reporting

I had a 2 yr internet contract with XXXX XXXX XXXX XXXX for $ XXXX ona 24 month contract that began XX/XX/XXXX. I moved from the residence due to a separation from my wife and she moved also. I had a XXXX phone to accomodate the internet service and had it disconnected when I moved out per my request to XXXX XXXX XXXX. The Service provider continued to bill a closed account up until XX/XX/XXXX which over 1 yr and 4 months of an expired contract. This is the 3rd time this account has been added back to my credit report and it is in violation of The Federal Credit Reporting Act. XXXX different collection companies have had the account and when I spoke with Supervisor XXXX XXXX of Diversified Consultants Inc over 1 month ago I requested a copy of the contract that XXXX XXXX XXXX had provided to his firm concerning me. There was not one on file and he promised I would get it within 30 days. Per our conversation yesterday he will not provide a copy of the contract and XXXX XXXX XXXX is requesting a Written Distpute from me in which they already have a copy from XXXX. I am a XXXX Alabama XXXX and this error on my credit report hinders my Company 's ability to obtain Floor Plan Financing to purchase Inventory for my Car Lot and also make my Surety Bond higher. I need this item removed from my XXXX and XXXX Credit Report Immediately. I am presently trying to enter into a lease Purchase for a XXXX acre and XXXX sq ft building to Start a XXXX, XXXX XXXX and XXXX.
Product: Mortgage

I have been working with a HUD counselor and submitted a borrower assistance application on XX/XX/XXXX. Since then, the servicer, Schools First Credit Union, has requested multiple updated documents, which were all submitted in timely fashion on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was informed, however, that a sale date was held on XX/XX/XXXX. Due to dual tracking laws, I believe this to be against legal foreclosure proceeding legislature. More so, a Notice of Trustee 's Sale marks an initial attempted sale date of XX/XX/XXXX, well into the revision for my hardship application. In fact, I was served with additional letters dated XX/XX/XXXX requesting more information for the still-processing hardship application due by XX/XX/XXXX. I never received a foreclosure notice or any response, positive or negative, for my application. My counselor sent numerous emails on my behalf requesting information about the proceedings, but no response has been received in over two weeks. They have not contacted him or me regarding the matter.
Product: Checking or savings account

Capital one has withheld my direct deposit for days now with little to no explanation. Citing technical difficulties provided a vague window for when it will be resolved and has not fixed it. Many of us live paycheck to paycheck and withholding our money is causing major financial problems.