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

In XXXX of this year, XXXX I sent a dispute to XXXX, XXXX and XXXX questioning the balance, which I have found to be incorrect/inaccurate on a debt with Wells Fargo Dealer Service. The dispute result came back verified with NO change. I then asked XXXX, XXXX and XXXX to let me now how they verified that this information was in fact correct, they said that they contacted Wells Fargo Dealer Service to verify this information. I tried one more time in disputing the balance, in which is inaccurate. They again said it was verified. 
So, the next step on XXXX of XXXX, XXXX I sent a request certified mail asking to send me the deficiency balance ( 9-616. EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY ), how they got to that balance ( accounting documents ) and a ledger representing my payment history, in which they did not comply. They sent me a " canned '' response template letter requesting my date of birth, 10 digit account number, social security number and a description of what i was requesting. The original letter dated XXXX XXXX, XXXX had this information in it. 
Due to the law, and Wells Fargo Dealer Service not complying with UCC 9-616, my attorney let me know to send another letter to them to recover under subsection ( b ) {$500.00} in each case from a person that : ( 5 ) fails to comply with Section 9-916 ( b ) ( 1 ) and whose failure is part of a pattern, or consistent with a practice, of noncompliance ; or ( 6 ) fails to comply with Section 9-616 ( b ) ( 2 ).
I have re-sent another letter today, certified mail, return receipt disputing this debt again to XXXX, XXXX and XXXX, as well as a direct creditor dispute in which I am sending Monday the XXXX.
Product: Bank account or service

Dear CFPB : The description below is adapted from the latest in a series of emails and phone calls to the vendor and PayPal. Hold times are XXXX plus and then being disconnected. They are not working in good faith. 
PayPal has INCORRECTLY denied my appeal through vexatious tactics. I believe that PayPal has intentionally ignored facts and defaults to decisions in their favor. I have contacted the vendor, who provides documentation that PayPal mistakenly sent them ( the vendor ) an incorrect North Carolina address. I have informed them repeatedly through phone, email, their resolution center and appeal process that : ( 1 ) I have lived in XXXX, IL since XXXX. ( 2 ) All my financial accounts have had XXXX, IL addresses since XXXX. ( 3 ) I have lived at XXXX XXXX XXXX in XXXX, IL since XXXX. ( 4 ) I can see that my XXXX XXXX XXXX ; XXXX, IL address is associated with my PayPal account. ( 5 ) At no time while completing the online order in question did I fill in or see a North Carolina address. 
Since the vendor has demonstrated that PayPal gave them a North Carolina address, IT MUST BE THE CASE THAT PAYPAL mistakenly used legacy information in generating the invoice with the North Carolina address. ONLY POSSIBLE CONCLUSION : PAYPAL IS IN ERROR. 
To resolve the error PayPal must : ( 1 ) Remit {$45.00} to XXXX to compensate them for the lost shipment. 
( 2 ) Remove the {$45.00} due from my PayPal account. 

I have spent many hours dealing with this small amount. If PayPal refuses to correct their error in a timely manner and I must continue to pursue this case, I will consider time, stress, and any damage to my credit and/or credit score in taking further action. In additions, I will file cases with the Illinois Attorney General and the Consumer Finance Protection Bureau to clarify whether you are violating any law in your obstructionist treatment of my case. Your treatment of this case has been vexatious, as you have repeatedly ignored and failed to address the facts that I have presented PayPal and refused to accept responsibility for your error. 

Their repeated conclusion in favor of PayPal is contemptuous of the facts and indicative of a process that is purely biased in PayPal 's favor and blatantly unfair. 

Although this is a small monetary amount, the principle is large : consumers should not have to pay for the errors of corporations just because corporations have the resources to antagonize consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX please remove the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart-felt explanation of the facts surrounding my own financial hardship. I therefore request Home Depot to  submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.
Product: Debt collection

D & A Services trying to summons money for a debt that was paid. I paid XXXX XXXX XXXX dollars for XXXX XXXX. XXXX XXXX has not updated their records. This debt was paid over two years ago. I tried to call D & A Services today and was hung up on after I explained the above .This company is offering a settlement of XXXX of XXXX. This is fraudulent because I paid the bill
Product: Mortgage

I just attempted to payoff my second mortgage with Shellpoint Mortgage Servicing. I went on line to get a payoff amount. The system had me enter a payoff date and gave me an amount but had a disclaimer " Please call for updated figures prior to remitting funds as they are subject to change without notice ''. I called and the agent could not verify the figure and I was told that I would get in a few days. When I asked if I could make a payoff online or on the phone, I was told the online limited me to {$20000.00} of additional principal and they also could not take it over the phone. I would need to mail a check or pay for a wire transfer. This seems to be a very deceptive practice to delay a customer from paying off a loan to increase interest income.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : several incorrect addresses and names
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and ABSOLUTELY DID NOT open these accounts. I kindly ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute. Attached is my Federal Trade Commissions identity theft affidavit. Please remove these items as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My business had a Home Depot Contractors account serviced by Citibank. Account # XXXX XXXX XXXX XXXX in the name of XXXX XXXX XXXX XXXX XXXX XXXX. 
The account was closed around XX/XX/XXXX and credits were issued and a final payment made over the phone with Citibank. The cards were shredded and there was never activity on the account from my end with regards to purchases. 
However, while preparing for taxes it came to my attention on XX/XX/XXXX from a Citibank robo-call that there was an outstanding balance of {$12.00} on my " CLOSED '' Home Depot business card. 
I made a call to Home Depot Accounts and confirmed that the account was CLOSED. 
I contacted Citi to inquire where the balance was coming from. IT appears that when they issued the credits and quoted me the payoff they were {$4.00} short in their calculations. 
They have for the past seven ( 7 ) months been adding a {$1.00} late fee to the CLOSED account. I offered to pay the {$4.00} today, XX/XX/XXXX to set the balance to XXXX. They could not assist. I was transferred to a Customer Account Manager and offered to pay {$5.00} to set the account to XXXX. The response was " We do not negotiate ''. I implied hat I will file a CFPB complaint and it will surely cost them more than {$7.00} to respond to it. He was not bothered nor interested in taking the {$5.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I found out my current account was closed due to non-usage and spoke with the credit card company and was advised of the new policy of the card account 's new procedures and was advised the account was going to be reinstated. Since XXXX the account has not been reported to the three bureaus as open/never late and I was advised the credit card company would do so. It is now XXXX and the credit card company has not done so I also asked the three credit bureaus about the account status and that I have a current balance and would be advised of the update. The credit bureaus are saying that the account is still closed when as of today I have a current balance.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information reporting on on my XXXX credit report regarding late payments and past due balances on a charged off XXXX account for {$510.00} which has already been written off and requested it be removed, but was updated as accurate. Also, there are XXXX collection accounts XXXX Receivables for {$1900.00} and XXXX XXXX for {$520.00}. I informed them that the information was deleted from other bureaus and that they must report the same information and Remove them. I do not know nor have an agreement or contract with either XXXX of these collection agencies. I informed them that I know that they paid for my personal information which is identity theft. They refused my request and took the liberty to continue to report this damaging information to my file and we have no association. I requested the agreement/contract that binds us, which was ignored because they don't have XXXX. I have been denied credit and will be seeking monetary damages in the tune of {$5000.00} for continuing to damage my name. I informed them that they are not abiding by the FCRA laws and regulations. I need these XXXX items remove from my report and {$5000.00} in damages.
Product: Prepaid card

I received the AMEX electronic gift card through my employer as part of incentive bonus that the company was having. The gift card was sent to me on XX/XX/2023. At first I was able to use it just fine and was able to use about half of the gift card. But after a while the gift card stopped working and I was not able to use it at all. There's {$750.00} left in the gift card. I have tried contacting AMEX customer service but I have not been able to talk to a real person all of the times that I have tried.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit profile that needs to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My credit report is showing late payments to XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY EQUIFAX IS REPORTING FRAUDULENT ACCOUNTS ONMY CREDIT REPORT. THIS COMPANY HAS BEEN INVOLVED IN MULTIPLE DATA BREACHES, CIVIL LAWSUITS, AND CLASS ACTION LAWSUITS. THIS COMPANY AGAIN IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE ALL ACCOUNTS AND UNAUTHORIZED INQUIRIES ON CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek ev
ery legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account at Wells Fargo in person. 

I was offered a {$400.00} incentive if I could complete the following requirements. 
-open the account with at least {$25.00} -receive a total of {$4000.00} in direct deposits. 

I completed the final direct deposit on XX/XX/XXXX. I was supposed to receive the incentive within 30 days of completion. 

XX/XX/XXXX. No incentive. I called and the rep said wait 90 days from when I oppened the account. 

XX/XX/XXXX. No incentive. Rep told me to wait 30 days. 

I called XX/XX/XXXX and the rep now says my account doesnt have the incentive code. 

I know it was there before because no one else mentioned this problem before. 
More than 6 months of leading me on, now theyre saying I wont get it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information that appears on my credit report, which I believe is inaccurate or incomplete. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, I am entitled to request and receive a full investigation of any discrepancies. 

Disputed Information : National Credit Systems Date Opened XX/XX/2022 I request that you investigate these items and correct or remove any inaccurate information from my credit file. Under FCRA guidelines, you are required to complete your investigation within 30 days and inform me of the outcome. Should you find that this information is incorrect or unverifiable, please ensure it is updated or removed accordingly. 

Additionally, if it is determined that any of this inaccurate information has caused harm to my creditworthiness or has been willfully reported in violation of the FCRA, I am aware of my right to seek damages under 15 U.S. Code 1681o. 

I kindly request that you send me a written confirmation of the results of your investigation as well as any updates made to my credit report.
Product: Debt collection

In XXXX, I was drugged, beaten, and thrown into the street when a passerby saw this and called the police. An ambulance arrived and drove me the two blocks to the hospital. The medical debt from the hospital was forgiven due to the circumstances. I did not know that ambulances dont work for the hospitals. I thought the debt forgiveness was connected to the ambulance bill as well ( the bill was {$2000.00} ). 

I received a letter in the mail in XX/XX/XXXX stating I owed the money from the ambulance, from CSO financial, saying I owed {$4500.00} due to interest. I called them right away and told them there was a misunderstanding because all the medical debt was forgiven and that I could send them the letter from the hospital, my medical records, and reports to prove this. A woman seemed understanding and told me I was probably right and to send the information over. I did so and did not hear back from them and so I assumed everything was cleared up. 

6 months later they went into my bank account and took {$1500.00}. I immediately called CSO begging them to please return the money so I could pay my rent. I didn't have money for a deposit/first month rent/last month 's rent, on a new place, and could not afford to be evicted right now. I begged them to let me try and work this out. They refused. A woman told me there was no way to give the money back at this point and that I should try to get a payday loan or a family member to pay my bills. My rent, my car payment, and my life took a hit. I was evicted because of this, which led me to lose my job. I lost my job because I was in between homes and not able to make it to work on time, every time. The fear, and trauma from that night was felt all over again. 

I lived through a traumatic night, to be harassed 7 years later, to be a victim to it once again. I don't see how it can be legal to make someone lose their job, and their home for a medical debt that was not their fault. This is probably a long shot but I don't want them to do this to anyone else. No one should have to go through what I went through. I hope someone investigates them. 

As for me, I found a new job and was lucky enough to be allowed back into my home of 5 years. My roommates fronted the bills so I could move back. I was lucky. But what about the people who arent so lucky? Maybe this is why our homeless problem has skyrocketed over the years. Please investigate them. They are still harassing me to this day and I don't know how our country lets businesses treat its citizens this way. 

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

XXXX XXXX XXXX -> Reporting Negative/Past Due to ALL 3 Bureaus : - XXXX  - Experian - XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

XXXX XXXX had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in XXXX & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to XXXX - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.
Product: Credit card or prepaid card

Wells Fargo lied to me about previous deposit and credit card accounts that were opened in my name prior to me opening an account. Then after opening deposit and credit accounts allowed the fraud to continue ruining my credit and leaving me destitute. 
XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX