23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There were letters sent out prior asking for items that was inaccurate to be moved off credit profile. Asking that any updated information after investigation to be sent via mail. Ask if I could get copy of credit report after investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

Chapter XXXX Bankruptcy Reference # : XXXX
Product: Vehicle loan or lease

This began when I noticed that the balance on my vehicle had a very drastic jump in the balance. In XXXX of this year there was {$16000.00} owed, but in XXXX Volkswagen said that I owe {$25000.00}. {$9000.00} was added to the balance in just 3 months! Rightly shocked I reached out to Volkswagen and asked for an account ledger because I needed to know where these charges came from. All I received from them was a payment history notice. Not what I asked for. I immediately reached out and again asked for an actual itemized ledger. I still had no idea where this {$9000.00} came from. Instead of sending me the ledger, they repossessed my car in XXXX! I then had to pay {$10000.00} to get my car back. I am in absolute shock and extremely frustrated at how Volkswagen can repossess my car, and at the same time, never even explain to me what these excessive charges are for. Included is the payment notice from Volkswagen. Also the receipts from when I had to pay to get my car back while they refused to help me.
Product: Consumer Loan

I bought a car that was financed by First Niagra bank. A year later, first Niagara merged wit a bank called Key Bank. Since this merger I have had issues with payment. Anytine I make a payment, they tell me they do n't receive it. But when i check my bank statement it shows that the payment was taking out. I have been calling since XXXX to resolve this problem but to no avail. They are very incompetent and very unprofessional. I have had debt collecting call since XXXX and I 'm not even at fault. The worst part is that it has wrecked my credit score. My credit used to be very good and now its below average. I 'm a young woman who has been working very hard and going to school so I can have a great future and a good life. That seems like a dream now because of this problem. I will be going to XXXX school next semester and I dont know how I 'll get a loan with my credit score the way it is right now. I am frustrated and do not know what to do. To anyone reading this, please stay very far away from Key Bank. They are horrible and could ruin your lives. In America, you need good credit for everything, when it ger ruined or wrecked you are XXXX. You can not buy a gouse, rent one or even buy a car.
Product: Debt collection

XX/XX/year> @ XXXXXXXX XXXX  the offered a settlement of {$690.00} when the account originally was XXXX. After expressing my hardship, the have tried to threaten me with Attorneys and law suite on the phone call. XXXX they are collection amount is incorrect they do not hold my account. This is preventing me from new housing and effecting my livelihood.
Product: Credit reporting or other personal consumer reports

I still disagree with the accounts below which are still appearing on my credit report, even after multiple CFPB complaints and investigations. The inaccuracies are highly injurious to my score. This information continues to falsely manipulate my credit report. Transunion has failed to properly investigate this account after 4+ complaints. This neglect has again violated my consumer rights. I am demanding a removal of the following 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 I submitted dispute XX/XX/year> but Transunion site is showing start date as XX/XX/year>. To my understanding Transunion pledges to review and update accuracy of all items on my credit report within 30 days. If information is not consistent they are obligated to remove those inaccurate items.
Product: Mortgage

Good Morning, Can you help me get my money back from Wells Fargo Mortgage Company? Between XXXX 2016 and XXXX 2016 ( 7 mo ), through XXXX automatic bill pay, XXXX mortgage payments each month were made to Wells Fargo Bank. I asked WFB to refund the extra payments or apply as future mortgage payments. They refunded four months mortgage payments and applied one month as mortgage payment for XXXX 2016. But two months they refused to apply as mortgage payments and put it toward the principle of the mortgage. I did not authorize extra mortgage payments as she indicated in that letter nor did I ask for any money to go towards the principle. This is not a law ; I was told that this is bank policy. It is my money, why ca n't they do what I asked? My husband and I are XXXX and would really appreciate any help you can give us in getting the extra two months ( {$6000.00} ) applied towards XXXX and XXXX 2016 mortgage payments. Attached is a letter from WFB indicating their disposition of the matter. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

False reporting, and fraud I never done business with these people and I dont know who they are. I want the collection removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry on my reports that i don't recognize.
Product: Credit card or prepaid card

Dear Sir or Madam : I had Citibank Business AAdvantage card with last four digits as XXXX. I closed the account in XXXX by Citibank. Citibank uses automated system to close an account. The system informed me that my account has been closed and I will receive a letter. There was no balance on my account. After XX/XX/2019, I started getting automated phone messages from Citibank that i need to check my account on the web without mentioning any account number. I have another credit card from Citibank and I checked that card activity on the web and everything was fine. I received an email from Citibank on XX/XX/XXXX that my credit card account is past due and I need to pay them {$140.00} on my account number XXXX. This really surprised me, because I had closed this account long time back. I called Citibank right away despite the fact that I am out of country. When I called, I got voice mail that office is closed. As soon as it was Monday morning on east coast, I called again and asked Citibank and they started telling me different stories about it. They told me that the account was closed due to non-payment and it is now in collection. They told me that there was membership fee of {$99.00} due on the account. I told them that I closed the account and they kept telling me that I still owe them membership fee. Not even once, Citibank issued me a statement that says that I owe them this money during all this time period. I received this statement only on XX/XX/XXXX when the account was closed in XXXX. They are telling me that they have called me several times. Not even once, they called me to tell me that my account number XXXX is past due. Every time they called, it would be a computer generated message that mention that I need to check my account on the web without even mentioning even once that it relates to account number XXXX. In the meantime, my web access to account number XXXX was disabled. I spent more than one hour on the phone and spent {$100.00} on international calls. They kept shifting me from one agent to another agent as if this is a joke and I was forced to pay {$140.00} for no reason. They contend that they reached out to me. How can a computer reach out to a human being? Please listen to their messages. I have saved those message on my voice mail. They only say that I need to check my web activity without even mentioning the card. Why should I be required to pay {$150.00} when I closed the account. None of them was willing to listen to me. I think they are deliberately fleecing the consumer. I would request your good offices to intervene on my behalf and help me get back my money from Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP..Please change this, fix the account please XXXX/XXXX XXXX****
Product: Vehicle loan or lease

Follow-up of previous complaints as this story continues to unfold and Chrysler Capital continues to act increasingly deceptive. On Monday, I phoned and after a lengthy discussion of getting none of my actual questions answered surrounding the automatic payment enrollment missed by Chrysler Capital the agent blind transferred me into the VM of XXXX XXXX ( spelling? ) I left a message and of course have not been called back. I've tried to call back in for her, impossible. " No personal extensions. '' " no one by that name. '' etc. I am currently on hold with employee # XXXX who " can not find my account '' and needs to research it. She can't transfer me either ... 

So, not only will Chrysler Capital not provide information or any actual input into the issue at hand - how the auto-pay wasn't setup and instead just says " too bad, '' now they refuse to take calls, transfers, or speak in any capacity. You can't do this online, via their terrible customer experience web interface, you can't talk to a rep for answers, and you can't resolve anything w/o getting patronizing answers about making a payment. 

I've just been transferred again to someone and am on hold yet again. It is astounding to me this company is allowed to treat customers this way without any repercussions. I also reached to an executive on  XXXX who assured me someone would phone me - he asked for my acct # and everything. Still nothing. 

So, it's amazing they " KNOW '' the auto-pay was not an error, but don't know ANYTHING else and can't even transfer a call or make a callback. Chrysler Capital has caused this mess and their resolution process makes it obvious they don't have an answer ... just hoping the customer gives up isn't how you regulate a business in financial services. I will continue this for as long as it takes to get what is right. 

*update - still on hold and XXXX ( sp? ) is still on " the other line '' - agent wants to know how they can help. absolutely not starting over with a 5th agent on this disaster!!!! No emails to complain to, no way to do this online - they are still " researching '' with the tech team about my questions from call # 1 - bet they never call back ... conveniently however they will tell you they " show calls '' in their system. Convenient. I have one phone number and my phone is on me every second of their open hours. 

16min and counting on the phone sitting on hold ... resolution is impossible with Chrysler Capital ... 

20min in, still " on the phone '' - wants to know what I want ... stated I want a callback from my message I left on Monday. Rep # XXXX assures me they will deliver the message. 

Unlikely.
Product: Credit card

I am filing a complaint against US Bank due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, US Bank failed to take timely and effective measures to prevent and address problems on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply to dealing with problems with the account as well as false late payment which resulted in closing of account that was actually apart of their customer service fault. These actions have caused significant inconvenience and financial loss, as well and credit score dropping due to inaccurate late payments as well as inaccurate closing of my account and i seek appropriate redress for these violations. 
Under US Codes 15 U.S. Code 1635 15 U.S. Code 1692g 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 ( billing error resolution )
Product: Money transfer, virtual currency, or money service

This is the email, I had first written to PayPal written on the XX/XX/2022, Hi, thanks for taking the time out to respond. Im currently very upset right now as I woke up to see a very concerning email regarding the closure of my account. Im writing to explain the recent transactions on my account and see if I can possibly get a release of the money in my balance. I recently sold a hoodie on the XXXX  app and I provided tracking and shipping information and the parcel should be received by the buyer by XX/XX/2022. The last two transactions were items bought on XXXX but I had refunded the buyers as I sold the item somewhere else. These are the only activities that were going on in my account as I only use this to receive money and withdraw. Im pleading to help to either undo the limitation on my account or at the very least allow me to withdraw the money in my account as I need this to pay for debts and medication for a family member. Thanks for your time and I hope to hear from you soon. They had closed my account for no reason and when I had asked them they said they believe my account may be involved in suspicious activity but they were not certain. I had explained the recent charges but they did not care and the customer service decided to initiate a very lousy response. They had also stated they will hold my PayPal balance for 180 days with no reason as to why. My email is XXXX XXXX
Product: Mortgage

On or about XXXX, XXXX, Wells Fargo assumed our mortgage loan. We arranged for our monthly mortgage payments to be made from our checking account and were never late up until we paid off the loan when we recently sold the house. 

We unfortunately did file for Chapter XXXX bankruptcy in XXXX, XXXX, paying $ XXXX/month to the court trustee. Our case was discharged, after we made all of our trustee payments on time, on XXXX XXXX, XXXX. Not XXXX of our payments to Wells Fargo were ever late, most coming directly out of our Wells Fargo checking account using their auto pay program. 

We are in the process of refinancing our current mortgage to a lower percentage with XXXX Mortgage and were told that XXXX XXXX, on the behalf of XXXX, found that Wells Fargo has discharged our loan showing it as being discharged in bankruptcy, rather than being either paid on time or fully paid. Our bankruptcy was filed almost 7 years ago, discharged over 3 years ago, & had no detrimental affect on Wells Fargo whatsoever since we made every single payment on time & in full, evidenced by their own records. Wells Fargo admits this but says that since we did not " reaffirm '' the debt officially, they will not show it as anything other than a detrimental bankruptcy on our credit reports. The agent at XXXX XXXX was mystified at Wells Fargo 's action and response during a conference call and said that he was changing his report to show Wells Fargo paid on time & in full so that the refinancing with XXXX could go through as planned. 

But we are concerned as to what will happen to our credit in the future as the result of this action by Wells Fargo. We, as many consumers, had financial difficulties after the XXXX financial recession. But my wife and I have worked hard to recover from them. Since our Chapter XXXX filing we have paid our bills and creditors on time, built our credit back up, and expected our bankruptcy to fall off our credit reports this XXXX, only to find this new attack on our credit reports from Wells Fargo to appear when the only thing we did to them was always pay our mortgage on time every single month. Do we now have to wait another 7 years for our bankruptcy to fall off our credit reports? 

Please help. 

This, to us seems extremely unfair. I have attached payment information from Wells Fargo 's own website for the last 36 months ( as far back as I could go ) that shows all payments made on time.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question 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

This is not an account I want nor need applied for
Product: Debt collection

This company is violating the fcra by reporting incorrect information on my credit report. I am the victim of a shooting In which I was u able to attend school. I was told from appeals that I would be granted and balance refunded which did not happen. Instead as i have been healing up they have ruined my credit. The company shows I was refunded XXXX but is still charging that as part of the balance even though there should not be any balance. They never sent me any communication regarding this debt, they have cease communications on the file. They are violating my rights and will be sued In federal court.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and have been trying for weeks in an attempt to get my dispute of fraudulent charges/ unauthorized transactions approved by Td bank with no success in which I have done everything they have asked. 

I am a victim of clear fraud through the social media app called XXXX. My friend on the app named XXXX XXXX XXXX had his account hacked and his identity stolen. The hacker impersonated XXXX XXXX over XXXX prompting me to use XXXX to invest under false pretenses. 

At the time I was not aware he was hacked, I thought I was investing money with a friend. I authorized {$1000.00} using a crypto exchange app called XXXX in which I got a td text to approve. 
I soon saw unauthorized transactions of another {$1000.00}, {$8200.00}, {$240.00}, {$30.00}, {$30.00} which I DID NOT AUTHORIZE and DID NOT GET A TD TEXT. 

I got suspicious when I was not able to get my investment or profit back so I contacted my friend with another form of communication in which he informed me he was hacked on XXXX and reported it. Knowing that I got defrauded from identity theft, I had provided police reports, reported to Federal Trade Commission, office of general attorney to Td bank to get disputed as I should as per FTC clearly stating this is fraud. As per police, it is fraud. I have done all that is asked to have these fraudulent disputes approved yet with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 around XXXX XXXX I called Transunion LLC about unauthorized reporting and was wondering why I was not notified of such reporting and if they had my express permission to do such. I sat on the phone for an hour and half to dispute these items. We went over each item multiple times with multiple agents. I asked if they were verified or not. I'm aware that these certain transactions are not to be included in such consumer reporting 's under the FCRA. I'm aware that Transunion LLC did not exercised their grave responsibility and respect of my consumers right to privacy. I made aware that I did not know any of person 's listed on my consumer report nor did I received any goods or services, consumer report does not include such reports containing information solely as to transactions or experiences between the consumer and the person making the report. Most importantly I never gave Transunion LLC doing business over seas. My permission nor contract with them collecting my data and furnishing as they please without consulting me first I am not their client. Not only have Transunion LLC breached my privacy and aggravated identity theft under [ 18 U. S. Code 1028A ], which is a violation of ( 15 U.S. Code 1681b ), Also Transunion LLC is participating in fraudulent reporting 's with unverified.
Product: Credit reporting

There is a duplicate account being reported from XXXX as still open with XXXX collections agency, when the XXXX account was settled and settlement was paid off. 
XXXX is reporting the following : Account # XXXX $ XXXX XXXXOriginal Creditor $ XXXX BalanceMay XXXX, XXXX DateXX/XX/XXXX XXXX, XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNoteWhen XXXX is reporting the closed status : Account # XXXX $ XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilitySettled - less than full balanceRemarksNoteXXXX XXXX has reported the account closing to XXXX bureaus. 
This is clearly an error that needs to be reviewed. I have only had XXXX account with XXXX, and to further show proof that there has be to an error, the amounts shown as being owed are exactly the same. 

Please help, XXXX XXXX
Product: Consumer Loan

one main keeps calling me at work even after I ask them not to me here as it interferes with my job
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX