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

on XX/XX/XXXX, I was able to obtain a lease contract with Volkswagen USA " account number XXXX ''. It was a 3 year, XXXX mile lease. I usual, I paid my bill on time, and in accordance with the terms, and conditions of the lease. I have been leasing vehicles from VW from years, and I was never late once. This time was no difference. I paid the vehicle in full, as I was making the payments online, through their website. On XX/XX/XXXX, I made the final 2 payments, and soon thereafter the account appeared as paid, and closed. Within 30 days, the status of the full 3 year payment appeared on my credit report, and the account status changed to paid as agreed, never late, and closed. 
I returned the vehicle onetime, and with only XXXX miles on the clock. The car was in perfect condition, without any damages, or scratches to it. Within months after returning the car, and received a call from VW Credit charging me {$800.00} for wear a tear, which include a GPS SIM card, that I was never given at the deanship when I bough the car, and that I put it on notice when picking up the car at the dealership. After some bickering VW Credit called the dealer, and verified my statement, so they remove that charge from the bill, after that, I received another bill from a rim scratch that, it was not there, at the dealer when I returned the car. The dealer reviewed, and provided me with a paper stated that everything was fine, and that the car was returned without any issues. Furthermore, 15 days later, I got a call from VW Credit again telling me that, I owe them a small portion of the lease payment, when in fact, I did not, since I was paying off the account through their website, with a set amount on established by VW credit. To the fact that, after I made the last payment, it changed to paid in full, and it was reported on my credit report, as paid. I explained to them, that it the account was already paid, and closed that I dont owe them any money, but they are adamant to continue the harassment towards me. Somehow, after all this issues, they managed to changed the total amount owed from being {$0.00} on the website, to {$470.00}. I am also certain that they tried to change it on my credit report, but they were not able as according to section 623, of the FCRA, creditors are required to report accurate accounts. Therefore, against the law to change information that has already been reported as " paid in closed, and NEVER LATE '' I have received phone calls at XXXX from time to time from disrespectful VW representatives demanding {$470.00} payment from me after explaining to them, that the account appear to as paid, and closed on my credit report. I have attached 2 pictures taken from my XXXX  credit monitoring service.
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 accounts 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 XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX ( Original Creditor ) : XXXXXXXX XXXX XXXXY XXXX XXXX XXXX : {$1200.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX BALANCE : {$2200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX  XXXX BALANCE : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

I received an offer to pay a debt to a company that i have no business with. I have never heard of, nor have done business with Midland Credit before. The first i've heard of this company was today, with 3 different offers to pay by the month for a total of {$290.00}. If this company can show me when and where I signed the contract with Midland Credit, I'll be happy to read it, but I know they dont.
Product: Credit reporting or other personal consumer reports

The below email was sent on XX/XX/XXXX to XXXX President of XXXX, AND submitted via XXXX Complaint # XXXX " I considered getting service with XXXX back in XXXX of this year and changed my mind the following day. ( Thank GOD I did ). I called back the next morning and canceled the service. You tried to send the phones to my home anyway, of course I denied the XXXX  shipment. You all would not refund my money, so I had to file a dispute with my bank to be refunded. 

On Saturday XX/XX/XXXX I received a letter from XXXX threatening to place a collection on my credit for {$500.00} for service THAT I'VE NEVER HAD!! 

I've spoken with, NOT 1, NOT 2, NOT 3, NOT 4, NOT, 5, BUT 6 SUPERVISORS SINCE XXXX!! who have either lied about following up, getting this taken care of, or not being able to access the account, Only the 5th Supervisor XXXX XXXX went through my account and read the previous notes in the account. He assured me he would take ownership of this issue and call me back on yesterday XX/XX/XXXX ... and of course HE DIDN'T CALL BACK. 

Just spoke with the 6th supervisor today and she says she can't get into the account because it's canceled. 

I'm hoping that someone at this email can get this cleared up. '' I received a follow up email from XXXX below on XX/XX/XXXXXXXX  : XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX, I am XXXX XXXX XXXX Executive Response Team. I am reaching out to you regarding your recent inquiry concerning the corresponding you sent in, regarding the XXXX  account. Your concerns are very important to me, and it is my pleasure to be your direct point of contact. Please contact me at your convenience at XXXX. I am available XXXX  through XXXX  between XXXX XXXX XXXX XXXX XXXX CST. Can I please have a good contact number for you? 

XXXX XXXX XXXX, Team CEO Direct XXXX XXXX XXXX XXXX assured me this would be taken care of via and via her response on the XXXX website under the complaint # listed above. 

Today XX/XX/XXXX a {$160.00} was added to my XXXX credit report by a collection agency named Amsher XXXXollection Service XXXX XXXX XXXX XXXX, XXXX  XXXX. 

I've NEVER had service with XXXX. Their XXXX response and records reflect this! I was told this was taken care of in XXXX. Now in XXXX they send it to a collection agency?!?!? This is ridiculous. 

I also sent an email to the same 2 XXXX folks today regarding the {$160.00} on my credit. All emails are attached in the link below. I'm unable to get access to the XXXX complaints because the codes I have are expired, but I emailed CC'ed them on the last email. But, I do have the emails showing the complaints and those are attached as well. 

I'm really hoping you all can help me. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Each year I order my credit report for review. In XX/XX/XXXX I attempted to request by report on line without success ( because Equifax does not correct errors ). I ordered the report via mail. On XX/XX/XXXX, I received two reports both dated XX/XX/XXXX with two different confirmation numbers. The information on the report was again wrong. I mailed a letter dated XX/XX/XXXX to Equifax with the corrections, their form completed. and documentation to support corrections. I also sent a copy of my XXXX letter requesting the same corrections. I reported XXXX to both CFPB and the Washington State Attorney General as Equifax falsified my report, failed to release my report and failed to correct my report etc. 
The same request was made to XXXX  and XXXX. I received their XXXX reports with no errors. 

I have had no response from Equifax Information Services LLC.
Product: Checking or savings account

I have lost over XXXX from my bbva simple checking account when they got acquired by PNC bank. I called PNC and they said they have no record of my account, please get my money back that is my life savings.
Product: Money transfer, virtual currency, or money service

Coinbase has repeatedly harassed me under the guise of XXXX.
Product: Credit reporting or other personal consumer reports

In 2017 Equifax was Breached do to poor Security! My credit was XXXX score then because my credit info is now for sale at this very moment because of Equifax failure the crooks keep opening accounts in my name and I have to pay thousands to have my credit cleaned of these fraud accounts averages XXXX a year to remove and clean of these fraud accounts I have complained to Equifax about this and have received nothing but retaliation for example I have 28 years of credit history 15 credit cards for XXXX never paid late not even once perfect payment history, Equifax has deleted all my credit accounts from my history and are reporting to everyone that runs my credit that I have none this is a lie!!! 
They are not reporting accurate info I am attaching a copy of some of my accounts that I have had over the last 28 years!!! 
PS also i had continued to be denied from equifax since i applied for the XXXX reimbursement from the equifaxbreachsettlement.com this website has always confirmed my credit info was violated when i enter my last 6 social security number and last name, more and more retaliation since they keep denying to pay me any of the settlement from the class action law suit like all other americans!!!
Product: Mortgage

I logged onto my home insurance website and showed my policy was cancelled. They raised the rate {$400.00} and sent notice to PHH mortgage. PHH mortgage ignored this amount for several months until XXXX XXXX cancelled my insurance due to lack of payment. 

I think their service is overseas, so the mail must get lost, PHH mortgage is also hard to understand.
Product: Debt collection

As of XX/XX/XXXX when I was living at XXXX XXXX XXXX XXXX # XXXX. The owner at the time XXXX XXXX XXXX decided to not to collect my rent. I was paying the rent late and informed them in writing that I will be late. When I then had the rent along with the late fee XXXX XXXX decided not to collect the rent and decided to pursue the eviction process. At the time I was a section 8 tenant so I couldnt get up and move quickly. There is a moving process with all section 8 tenants. I went thru the court proceedings with XXXX XXXX and I eventually moved out in XXXX XXXX XXXX. I turned over the keys to the unit as well. As stated from the judge that all information to this case is sealed and no judgements should not go against me until final court date which is in XX/XX/XXXX. As of today I am still in court proceedings with XXXX XXXX. But I notice that XXXX XXXX which is now XXXX XXXX XXXX is reporting to XXXX that I owe XXXX. It's been reported as a collection debt that I owe to a apartment management. Which is not true because we haven't resolved anything til our next court date which is XX/XX/XXXX. All information being reported is inaccurate and I disputed it numerous times with XXXX but nothing has not changed.
Product: Payday loan, title loan, personal loan, or advance loan

One Main Financial was adding on products to my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom it may concern The companies XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, AND EQUIFAX are refusing to remove the following inaccuracies from my credit report after disputing the matter since XX/XX/2021. The following accounts needs to be deleted and removed immediately, CHAPTER XXXX BANKRUPTCY, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  : LATE PAYMENT. As I was never late on the XXXX XXXX account, and the other following accounts were not verified, nor accurate. The following companies are also reporting incorrect amounts owed and dates. The companies are giving me a hard time disputing the information. Threatening to keep the debt, and or public record on my credit report for 10 years. Advising me to stop calling, and disputing the inaccuracies, due to the choice theyll never delete it. XXXX and XXXX is also giving me a hard time when disputing the bankruptcy public record and deleting the derogatory record. When Ive already provided multiple documentation stating the following accounts are not verified nor accurate. Its unfair for the XXXX credit bureaus XXXX, EQUIFAX, and XXXX to report different account information, and different balances when a consumer is not responsible of the inaccuracies.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt nor therefore any such debt in fact, therefore exist ( Please remove this account before I seek litigation for defamation of character ). XXXX  balance {$160.00}, XXXX XXXX XXXX  balance {$100.00}, XXXX XXXX XXXX XXXX balance {$11000.00}, XXXX XXXX XXXX balance {$700.00}, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX  XX/XX/scrub>/2024, XXXX XXXX  XXXX/XXXX/2024 XXXX  XX/XX/scrub>/2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX  XXXX/XXXX/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX  XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX, XXXX XX/XX/scrub>/2024 , XXXX XX/XX/scrub>/2024, XXXX XXXX/XXXX/2024 XXXX XXXX  XXXX/XXXX/2024, XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX/XXXX/2024
Product: Debt collection

First of all, I do not have a debt with this company. I reached out to XXXX several times trying to dispute this debt XXXX years ago now this company comes out of nowhere and purchase a debt that was never supposed to be on my credit report and put it on my credit report. They have not validated anything I do not have a sign contract with the genesis company in regards to any debt Company and any debt that they brought is not they are sending over information that was put in the system late. XX/XX/XXXX is the day that I called to confirm that they received my 60 day notice but my original 60 day notice was brought to the office. XX/XX/XXXX, it was never input it in the system until XX/XX/XXXX now they are charging me for a month that I did not live in the apartment. They are charging me for damages that was never done to the apartment. They have never showed any proof and the keys were returned on XX/XX/XXXX however Im being charged for the entire month of XXXX. They have not answered to the attorney generals complaint. They have not answered any emails From the XXXX  and Im going to keep filing new complaints every time because this debt does not belong to me. I am about to contact a lawyer because at the end of the day I do not owe this company. I dont even know who this company is and I dont even know how they get my personal information. I did not consent my personal information such as my Social Security number my phone number and my address and they keep sending harassing calls. I am about to sue this company for harassment and for putting something on my credit report. I also do property management and I know that I have done my due diligence by providing a hand written letter to the main office the office neglected to put the handwritten letter in until I called the XXXX main office on XX/XX/XXXX and advise them that I put a Letter in the system on XX/XX/XXXX stop contacting me and remove this debt from my credit or I will be filing a lawsuit I have disputed this issue with the attorney general office and never got a reply. I dont think I should be responsible for the negligence of this company and now Genesis is coming in unbeknownst to them. They dont know whats going on. They dont know the severity of what was going on. I have emailed them. I have sent letters. The attorney general have sent letters in avana has not corrected this issue in the system as of yet
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling and reviewing my credit reports I closed my account with    XXXX   XXXX      XXXX   XXXX   (  XXXX  CREDIT CARD ) when I viewed an alert it shows two discrepancies on my individual reports.   XXXX   XXXX   Reported that I was 30 days late in   XXXX   XXXX   but current XX/XX/XXXX and   XXXX   XXXX   with  XXXX . My Transunion report shows CURRENT XX/XX/XXXX  but late XX/XX/XXXX  and   XXXX   XXXX   on my payments. This is clearly an error and very damaging to my credit history.
Product: Credit card or prepaid card

Citi closes my credit card without notice and removes my remaining Thankyou points balance.
Product: Debt collection

I was recently contacted by my mother-in-law stating that a sheriff had delivered paperwork from an attorneys office stating that she was being sued, and they were representing XXXX XXXX XXXX XXXX XXXX. In the paperwork it showed that she was the co-signer for myself on a private student loan that originated in XXXX. I then called the company the first number was disconnected, but there was a XXXX number. I was informed that after several attempts to resolve the debt with no response they had to take this action. I nor my mother-in-law had never received documentation only phone calls every once in a while re. the debt. I explained to them that this debt was being paid now with XXXX, and there have been no missed payments. I called XXXX to confirm. They stated that XXXX was not the originator, and that they had documentation that we signed for this loan. I have requested documentation, and we have to go to court XX/XX/XXXX at XXXX in XXXX County. 
I have pulled all three credit bureau reports, and this company does not appear on any of the reports as being a debt. I also called XXXX XXXX XXXX where I consolidated my student loans, and there is nothing showing there. 
I have seen the reports online regarding this company, and I 'm just not sure what to do other than go to court and try and fight this.
Product: Prepaid card

I noticed a fraudulent transaction on my account and reported it right away and locked my card. I then went through my account and noticed several other transactions. The company gave me a form to fill out and I did that and returned it. They then sent me an email telling me I only had 3 days to provide them with the information I found from the different companies and I replied back that I was having difficulty because the company 's were abreviated names and acronims. The company 's that I did get in touch with couldn't find the transactions and I was told that when these hackers steal your info they use 3rd party processing company 's so it makes it harder to find the transactions. I got a voicemail back from XXXX company which I didn't know how to attach that to an email and I got an email back from another company and I forwarded that back to them. I had no control over how long it took the company 's to get back to me and I expressed that to XXXX XXXX and said I was not able to find any contact info on the other company 's. I was told by then that I didn't meet their dead line for when I was to report the information I had gotten and they denied my claim and are refusing to refund these fraudulent charges and I have called multiple times I have reached out to XXXX XXXX as well and all I get is transfered around and eventually XXXX XXXX just says they denied your claim nothing more will be done and they hang up on me. I will list the transactions below. I was in constant contact with XXXX XXXX the entire time and because they didn't get the information about the company 's that I had to research without any assistance from them it took me a little bit but as soon as I got any information I sent it to them. I did everything I could as fast as I could to provide them with the information they requested but some of the company 's I couldn't even find any information on and apparently that was not expectable either but I didn't know what else I was supposed to do and I expressed that to them with no response and no assistance to them be told my claim was denied and ever since I just get hung up on by them Transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on various days 6 of them total all for XXXX XXXX XXXX XXXX I sent them a list as well and provided everything that I could and they still denied my claim because i.didnt get the the information on the company 's within the time frame they set which was 3 days. I got them the information when I got it and I also informed them that I was waiting to hear back and that I couldn't find anything on some of them. With no response from them.
Product: Credit reporting or other personal consumer reports

These are unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for these credit cards or auto loan, and I called XXXX XXXX on XX/XX/XXXX to file a dispute, but they ignore my complaint and the hard inquiry remains.
Product: Debt collection

AFNI, INC. is listed on my credit report under collections account. Ive reported that this account does not belong to me through XXXX dispute and its still on my account.
Product: Credit card or prepaid card

The nightmare started onXX/XX/XXXX when I accidently made 2 {$1500.00} payments. 

*XX/XX/XXXXMade {$1500.00} payment via Citi app *XX/XX/XXXX Made {$1500.00} payment from my banks web bank *XX/XX/XXXX I was informed by my bank that I had and overdraft due to the extra {$1500.00} payment. I immediately moved XXXX to cover the second payment. I contacted Citi and was advised to contact my bank and have them stop the payment since it was going to be resubmitted again that night. 
*XX/XX/XXXX After 2 more returned payments from Citi I called again to see if the issue was corrected.

*XX/XX/XXXX After calling daily without any explanation of why the payments were returned from Citi I re-entered my bank info ( since Citi deleted ).

*XX/XX/XXXX I made a {$200.00} payment that cleared *XX/XX/XXXX Payment of {$300.00} made and cleared *XX/XX/XXXX Payment of {$500.00} made and cleared *XX/XX/XXXXCiti Supervisor advised that hold was placed on the account and that I could not use until XX/XX/XXXX. He assured me that the hold would be removed and that there were no other issues.

*XX/XX/XXXX Payment of {$1500.00} made and cleared.

*XX/XX/XXXX I was on the phone for hours and was told that my account was closed and would not be reopen. Because I was advised to stop pay on the original {$1500.00} duplicate payment it caused my account to be closed.

I have been a Citi customer for years and have never made a late payment!! I make several large payments a month and this card is used for my husbands work expenses. None of the returned payments caused my account to become delinquent. I also paid off a high balance Citi card several months ago.

I am really upset that Citi did this to a great customer who makes their payments ontime-I bet if I was having issues with my payments I wouldn't have been treated like this!! They call when I used my card 2x at a gas station but can not call to advise me of this issue. I guess it doesn't pay to pay your bills and do the right thing!!