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

I sent the following email to a contact given to me by Valley Bank. I have sent three emails between XX/XX/XXXX and XX/XX/XXXX and have not received a response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear XXXX, I made ( and mailed ) a payment for the full amount of my loan balance to Valley Bank on XX/XX/XXXX against a due date of XX/XX/XXXX. See the copy of my check, statement, and notes, attached. I have since voided this check. 

Apparently, Valley never got my check and I received the attached late notice. Upon receipt of this notice, I paid the full balance immediately. I later found a mark on my credit report.

About two months ago, I sent a note to Valley explaining this situation, that I had paid this bill on time and to please remove the mark from my credit report. I dont recall if I emailed or mailed my request, but I know for sure that I sent it. I never received a response. 

I just spoke with XXXX at Valley who gave me your email. Long story short, I definitely sent this payment on time. I assume the check was either lost in the mail or at your facility. Regardless of what happened, I wanted to send you some proof that I sent this check in on time. 

The late mark on my credit report is affecting my otherwise great credit and Im concerned about additional points/rates we may need to pay on an upcoming home equity line I am applying for. 

As such, would you kindly consider removing the late mark on my credit report? 

Feel free to call me at XXXX or email me at XXXX if youd like to discuss. 

Very best, XXXX.
Product: Prepaid card

I deposited my check to my PayPal account on XX/XX/year>. After fees, the deposit amount was {$130.00}. I then transferred it to my bank account on XX/XX/year>. After fees, the transfer amount was {$120.00}. I accidentally transferred it to the wrong account. The account I transferred it to is one that I no longer have access to. I don't remember the card number or really any information pertaining to this particular card. All I wanted to do was have the money sent back to my Paypal account. When I spoke to PayPal to ask them if that can be done they told me I would have to contact the card issuer. I don't even know the card issuer because I don't know any of the information on this card. PayPal told me to call XXXX XXXX  Bank, because that is the card issuer. When I called them they said that without the full 16 digits of the card number there's nothing they can do to look my transaction up or help me. So I called PayPal back to try to get the full card number and they said that due to privacy issues they can not give me that information. The only information I can see is the last XXXX digits of the card, the expiration date, and the billing address. Evidently that is not enough information for Green Dot to look up the transaction. PayPal also emailed me on XX/XX/XXXX with a reference number and stated that I could give that to the bank and they would be able to look the transaction up but upon calling Green Dot they informed me that there's nothing they can do with that number. I have called customer service for both Green Dot and PayPal both on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XXXX.and several times each on every one of those days. I just want the money sent back to PayPal, but it seems nobody can help me. I've been dealing with this issue for going on 3 weeks now and I'm tired of being told by everyone I talk to that there's nothing they can do to help me and to call back later.
Product: Money transfer, virtual currency, or money service

Ive been a PAYING CUSTOMER of coinbase ( a bitcoin exchange platform on the internet ) since XX/XX/2017. I have had nothing but problems with coinbase.

Thier site is CONSTANTLY broken in most araes concerned with withdrawing money. No issues depositing money of course but good luck getting YOUR REAL MONEY off of their platform!

The newest SCAM coinbase is running is out of no where, restricting accounts. This wont allow for sells/buys meaning I have zero control over my REAL MONEY. My money is trapped and I want it ALL asap. XXXX $ I have TRIED contacting coinbases " support '' SEVERAL times both via email at coinbase.com/support and via the given telephone number. Ive gotten ZERO response from either. I called 5 times over 3 days holding a total of 72min. No answer EVER because there is nobody there to actually pick up. Sounds good and looks good but ZERO results or human contact. Coinbase uses a bot for their support who cant answer/solve my problem and refers me to the unanswered telephone number. Run around. 
I want my REAL MONEY at its highest earning level achieved ( XXXX $ ) off their platform ASAP. 
I want coinbase legally prosecuted and taken off the internet to STOP the scams they are running. 
Coinbase has over 193 NEGATIVE reviews on XXXX and only 11 positive. 
Where is the SEC, Consumer Protection Agency, Attorney General, ANYBODY getting paid by tax payers to prevent just this XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX sites do not allow you to dispute credit inquiries that show up on your account, despite the fact that the inquiries negatively impact your overall credit score and may be fraudulent. I believe there should be an easy dispute process for credit inquiries that are fraudulent. I called around for hours trying to click the correct decision tree to get help for my issue. The sites are hard to navigate and the phone numbers make it impossible to get a live agent for the issue I was worried about - how to dispute the inquiries. 

In my case, Experian reports that on XX/XX/XXXX XXXX/XXXX  and then on XX/XX/XXXX XXXX/XXXX/XXXX made credit inquiries on my account ( presumably to open credit lines ). I went to the sites to dispute the inquires and the sites told me to contact the financial institutions where the inquiries originated. I contacted the companies and they required that I disclose a lot of personal identifying information, in order for them to verify that someone had opened credit lines in my name ( using my maiden name ). It appears that two credit applications where fraudulently filed using my information. I do not know how much the cards were for or if anything was charged before I intervened
Product: Mortgage

On XX/XX/XXXX my request for an inspection for repairs made to my home verifying the siding had been replaced on the exterior after it was damaged XXXX, XXXX 2024. This repair is being paid for by my insurance company XXXX. The money was placed into an escrow account with Shellpoint mortgage ( my mortgage company ) but is on hold until the inspection is completed.The work has been completed for over 3 weeks at this point and can not move forward without additional funds ( following verification of the work completed ) I live in XXXX pa and the winter will halt construction. I have reached out via email and the online portal multiple times over the last two weeks with no response. I am frustrated and need help to complete my home before winter sets in. Please!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting information on my report that is not validated and is incorrect. 
I dont have any outstanding medical bills with XXXX XXXX XXXX 
I have never had any contact or done any business with XXXX XXXX.
Product: Credit card

Capital one credits auto pay system failed and i missed not one but two payments, ive never missed a payment before, it also dropped my credit score XXXX points I didnt receive any calls text or emaile about even the first late payment and i only discovered this after the drop, also their app feature has had me locked out of my account for two years and I must make a new password everytime which probably leads to why I'm not getting notified.
Product: Mortgage

I call XXXX A call excuse for not attending my lone I request YEAR RND STATE MENT for this lone said : will be sended to fax numbers I dont have fax number Never response XXXX extension XXXX home preservation client representative XXXX XXXX XXXX I paid off I need my the year end statements for tax purposes Never response
Product: Debt collection

Representative ( XXXX XXXX ) for the creditor ( Republic Finance ) continues to call the employer regarding debt. After they were informed via email, fax, and phone - to please do not contact my place of business as I can not receive personal calls of any nature and it can result in my termination. The individual continues to call and even paged me through the hospital system, which is an abuse of use. I have informed my lawyer and have been advised to file a formal complaint.
Product: Debt collection

Portfolio Recovery XXXX on behalf of XXXX XXXX, attempting to collect a debt That does not belong to me that Was removed months ago. Identify theft report/police report, filed and submitted to XXXX XXXX as well as bureaus months ago. Police report case number XXXX XXXX ) as well as FTC complaint filed.
Product: Checking or savings account

I had a account with Bank of America during the year 2012 when the bank was charging XXXX dollars for overdraft fees and repeated with the same XXXX dollars for the sam over draft fee multiple times.
Product: Vehicle loan or lease

I leased a car, a XXXX XXXX XXXX in XX/XX/XXXX and Ally was the Finance company. According to the lease contract, my residual owed at the end of my 36 month lease was to be {$28000.00}. All payments were made on time and we mutually agreed to extend the lease. ( Please see attached Ally Lease Doc ) On XX/XX/XXXX, I sold the car to XXXX XXXX XXXX dealership during the agreed extension period for {$30000.00}. ( Please see attached purchase agreement from XXXX ) When the XXXX dealership called Ally and requested a payoff, I witnessed Ally give the amount of {$30000.00}, which is far in excess of the contractual amount due. I suspect Ally included a sales tax. 

My concern is that when a dealer buys a car to resale, sales tax does not get payed and Ally is stonewalling me and not providing any documents or discussing the issue with me, but instead directing me to the dealership that purchased the car from me.
Product: Checking or savings account

I opened up a Citi Bank account online. At that time I was provided my account number to both my checking and savings account. I was able to make an online account with that information. My landlord needed me to XXXX over some money for the months rent and it gave me an error message of access blocked I called the Citi Bank customer service line and was promised to get a call back by the end of the day. Never got a call back. Called again the next day and one rep told me incorrect information just to get me off the phone saying I had to wait on my card to even make an account and that the block was lifted. So I tried to make the transfer again and it gave me the same error message. I called once again and got the same answer about my account being under review and I will get a call within 24 hours. All in all, my funds are in a jam at this bank and there was no reason what so ever given to me about why my account is under review in the first place.
Product: Checking or savings account

I opened an account at Citibank. I made deposits from my other bank account at XXXX. Citibank suspected fraud. they called me and we called XXXX and confirmed that it was my account and that there wasn't any fraud. Citibank closed my account anyway. However, they did not return the funds in the account. I called and chatted several times and was told it takes XXXX days to get the funds. I started asking after XX/XX/XXXX. I was told several times that i didn't have any funds to get even though my ending statement showed {$490.00}. I spoke to the fraud department who finally confirmed that yes i do have funds and they would put a rush on getting me my money. That was on XXXX. On XX/XX/XXXX I called back and was told that they see the request for funds and that they would make sure I got my money. I called back on XX/XX/XXXX and was told they had 30 days from the day it was closed by fraud ( XX/XX/XXXX ) to get me my money. Today is XX/XX/XXXX and I still haven't received my money. I called again, spoke to XXXX people in fraud who said there hasn't been any updates on sending my money and they would send emails. I told them it was unacceptable and to let me talk to the department that handles that and they told me they dont have any phone calls to them. They are stealing my money and are making no effort to return it to me. I am attaching the last XXXX statements. You can see on XX/XX/XXXX the money in my account was " withdrawn '' but nothing has been sent to me.
Product: Consumer Loan

XXXX XXXX, XXXX I entered into a commercial lease with XXXX XXXX XXXX through XXXX XXXX XXXX XXXX and XXXX ( {$99.00} membership fee ) I informed XXXX of my concern with the wheels on the front passenger side. 
I XXXX XXXX, XXXX assured me it would take care of the problem. 
I waited. 
While I patiently waited. 
XXXX XXXX, XXXX closed their doors, dismantled their office, their phone lines and moved out of the State of Washington during the XX/XX/XXXX. 
XXXX, XXXX a text XXXX XXXX, XXXX stating servicing would no longer be their responsibility as of Friday, XXXX XXXX, XXXX. Servicing would be the responsibility of Innovate XXXX XXXX, Monday, XXXX XXXX, XXXX. 
I called Innovate XXXX XXXX XXXX XXXX & XXXX, XXXX. 
Innovate XXXX XXXX stated their company did not have the contracts and was not in position to accommodate. 
However Innovate XXXX XXXX withdrew funds ( {$190.00} ) from my account. XXXX XXXX, XXXX. 
I disputed : The validity of the contract between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
their authority to service my account. 
their authority to access my bank account. 
The fees. 
I e-mailed the form provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , indicating the amount due per weekly payment for the auto lease to no avail. 
I realized I was in check if not check mate. 
I would have just gone along with the program, if Innovate XXXX XXXX had not fraudulently withdrawn the {$80.00} cash from my credit card account. 
What would/will be next on their list? 
************************************* I should be permitted to use direct pay from my credit card account to XXXX XXXX XXXX and get out of this woven web of entrapment. 
( Now, I wonder if the XXXX XXXX is a flood car. XXXX. 
I noticed indentations on both side of the hood of the vehicle. 
As if the vehicle was lifted up by a huge clamp on both the sides of the hood of the vehicle. ) The services which accompanied the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has became non-existent. 
Additionally Innovate XXXX XXXX withdrew an unauthorized {$80.00} cash from my credit card account. 
Cash. 
Not from a debit account. 
Cash from my credit card account. 
The bank reported the transaction as fraudulent. 
The charges have been reversed. 
My concern now relates to retaliation. 
XXXX XXXX XXXX can confiscate the vehicle along with my personal belongings ( Video equipment, tripods etcetera. ) in it ( as abandon ), in the middle of the night or day and make me continue to make weekly payments. 
This very disturbing to me. 
************************************* I need a vehicle to XXXX. 
************************************* I am being charged for services no longer rendered. 
I have a breached and very ambiguous contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am still in need to make timely payments. 
I repeat, XXXX XXXX XXXX can confiscate the vehicle with my personal belongings in it ; in the middle of the night or day and make me continue to make weekly payments. 
This is a huge concern and very disturbing to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XX/XX/2022 ; 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

I have contacted Transunion regarding this inacccurate information on my credit report and they have yet to remove this inaccurate info. In addition I have contacted the source in which they claim to have verified the information and that stated, in writing that they have no record of any information and no idea why Trans Union is reporting this lie. I have called them and they have given me nothing but the run around. I need help because this is adversely effecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a certificate letter to Transunion ( XXXX ) regarding that is currently an inaccurate item being reported on my credit report from XXXX XXXX XXXX XXXX XXXX. I have contacted this company at the address listed on my credit report here. As you can see .I have enclosed a photocopy of my mail being returned from the post office due to an invalid address .Given that the furnisher has provided false information to Transunion about me .and provided to Transunion false address .Despite the proof that I sent to Trasnunion did not want to delete the account that is wrongly reported.
Product: Credit card

On XX/XX/XXXX, someone claimed he purchased 3 items from XXXX using my Wells Fargo Credit card double cash card ending with XXXX. Two were pre-approved ( {$1000.00} and {$890.00} ) and 1 denied ( {$1900.00} ). 
I got an alert email from Wells Fargo about the transactions on the same day XX/XX/XXXX. 
I called, on the same day XX/XX/XXXX, Wells Fargo customer service, reported that I dont have anything to do with these 3 transactions, filed a claim and immediately changed my credit card number. 
A few weeks ago, I was shocked to receive a letter from Wells Fargo stating that 2 transactions were approved. 
I filed another dispute with Wells Fargo. I provided more documents about the issue. They refused again. 

I have had an XXXX account since XXXX. I never had any such issues. 
I provided Wells Fargo the following : * ) All my XXXX purchases since XX/XX/XXXX to XX/XX/XXXX in a pdf file. 
All my valid XXXX purchases have a valid XXXX order number in the description ( XXXX ) The 2 fraud charges descriptions on XX/XX/XXXX dont have such a valid XXXX order number. Talking to XXXX fraud department, they mentioned legitimate XXXX orders always show the XXXX order number on my card statement. 
Why Wells Fargo didn't contact XXXX and check on all my XXXX transactions? They have all my information. 
Plus I called Wells Fargo the dame day ( XX/XX/XXXX ) to cancel the 2 transactions. They didn't. Why they cancelled one transaction on XX/XX/XXXX and approved 2 transactions? 
Wells Fargo never told me what was purchased on XXXX XXXX by who? shipped to where? I asked these questions more than once, no answer. 

I talked to XXXX fraud activity department ( XXXX XXXX XXXX or XXXX XXXX XXXX ). They also confirm that I didnt have any transactions around XX/XX/XXXX. 
* ) I filed a police report. 
* ) I filed a report with FTC. 
* ) Next I will go to court if this is not resolved.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

These are the following accounts that have been inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

FIRST OFF, I have provided you with thorough documentation that the data furnishers DO NOT have accurate records. SECONDLY, I have shown they are not responding to MY REQUESTS FOR INFORMATION, which is a LEGAL REQUIREMENT. And LASTLY, I continue to get CANNED RESPONSES from you WHERE YOU CLAIM YOU VERIFIED THE BELOW LSTED ACCOUNTS. Where is the verification? I have NEVER seen any documentation which proves I'm the legitimate author or responsible party to these accounts. Since it's not verified nor have I seen any proof how can you make the claim you've complied with FCRA law? Im giving you one last chance to rectify this situationThe following accounts are reporting inaccurately and I NEED THEM CORRECTED IMMEDIATELY. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 

Lastly, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. I need them removed at once.
Product: Credit card

XXXX credit cards were processed during the last year without my knowledge : XXXX XXXX XXXX XXXX XXXX - Run on XXXX XX/XX/year> XXXX - XXXX - XXXX XX/XX/year> XXXX XXXX - XXXX of XXXX  I tried to apply for a credit card in XXXX of XXXX  for XXXX XXXX and was declined on the premise of there already being an application being processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SEVERAL COMPLAINT 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 XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}.
Product: Debt collection

I spoke to the creditor of apartment complex they say I dont owe anything but this collection agency keeps putting this debt in my credit report is that for {$2200.00} which I dont know Ive been trying to contact them and tell them to contact the creditor and they refused. They just keep putting in my credit report. I also talked to the apartment complex and they said they already spoke with the collection but they keep trying to charge this.