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

Several months ago my car was totalled. I have been trying to pay off the remaining balance of the loan ever since. I can never get through to the total loss department at Bbva. Every time I try I am on hold for something like 20 minutes and then the ivr hangs up on me stating they are unable to handle my call and to try later. Eventually I decided to just wait for all the insurance companies to finish their work and see where I stand. Once all was done the app showed a principle balance of about {$180.00} and a payment due of like {$40.00} or {$50.00}. That was last month. Evidently that wasn't the right. This month I see a late charge of {$21.00} has been applied. So I downloaded an actual statement and find to my surprise I actually had over {$400.00} due. Recall the app only showed a payment due of like {$40.00}. Now I owe {$310.00} and the app says my payment due is {$67.00}. This is very misleading and deceptive. The app is lying about the payment due. I tried to at least get the late fee waived due to the error but again could not get through to the only department that is allowed to help me, the Total Loss Team. I did talk to several other reps but no one could or would help. They just kept transferring me back to total loss where I would be hung up on. I have sent payment for the full amount due by mail this time, no longer relying on bbva 's app or website. I would have preferred to pay by phone or in person but again I'm only allowed to work with total loss and I can never reach them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to rent an apartment and was denied even though my credit score is XXXX. Apparently something not known to the public is that a credit score doesn't matter anymore instead there is a separate credit score called a residential report. My residential report is XXXX  even though I have never had an eviction or made any late payments on any rental that I have occupied. This residential score can't even be viewed on the transunion report. This is an obscure unknown report that is being hidden from consumers and should not. Everyone should have access to their residential report. And it should be based on rental history only
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Chapter XXXX Bankruptcy Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX. XXXX XXXX 2 ) account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXXThis Account is Unverifiable. Experian has failed to provide me proof of verification. But claims to be Verified Unauthorized Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

PNC Bank charged me {$36.00} each for 3 overdrafts that never occurred. I know for a fact that my checking account was not over-drowned on the holiday week-end. It seems that PNC Bank is manually manipulating data on my checking account. My pension from XXXX was posted on my account on the XXXX of the month. 

On the pages that I'm attaching to this complaint, there are no negative balances shown, Every time this happens, PNC Bank wants me to sign-up for overdraft protection.
Product: Credit reporting or other personal consumer reports

These late payments don't match my usual payment record.
Product: Money transfer, virtual currency, or money service

Basically Google0XXXX use their platform to foster unfair advantages thus Anti-trust Wish to Be Added To Lawsuit Florida : XXXX Indvidual Capacity XXXX XXXX XXXX. My channel was deleted to to and unfriendly response from a disgruntled management XXXX. My views and opinions count, my community get new sponsors I don't XXXX. I have a real reputation the big tech industry copy trends XXXX. XXXX Google has sent me crypto-currency agents to boost their income, not cant get back. 

Google lost an antitrust lawsuit over barriers to its XXXX app store, as a federal court jury has decided that the company 's payments system was anticompetitive and damaged smartphone consumers and software developers. It's a blow to a major pillar of Google 's technology XXXX. 

The CSC office in California is located at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If service by personal service is permitted, you can serve Google at the following address : Google LLC C/O Custodian of Records XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX has been using our money to live a fantasy life, and she owes money for crypto-currency investment of {$55000.00} from an investment of XXXX. Together are sexist thinking that men are all fools. This is extortion, we asked who owned the accounts, we asked for our money back, law-enforcement don't do anything your so corrupt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. 

This creditor is reporting as a charge-off on my credit report for multiple months. I requested documentation for the charge-off, which consists of the required 1099 form I should receive for IRS purposes XXXX Lastly, the company is still receiving payments regarding this account, as my Gap insurance notified me by mail that they sent them a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

delete the hard inquiries XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX please remove these inquires
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention in correcting some of the adverse information on my credit file is appreciated. However, I believe there are still items that need to be addressed. Therefore, I request the immediate update of all attached inaccurate information listed in my credit file, specifically : XXXX XXXX, XXXX XXXX : {$460.00}.
Product: Mortgage

On XX/XX/year> I filed a complaint XXXX XXXX  about Wells Fargo and their present lawsuit settlement and if we were involved in that settlement. A XXXX XXXX representing Wells Fargo contacted me on XX/XX/year> & XX/XX/year> & XX/XX/year>. After a brief conversation about how Wells Fargo was in fact guilty in our case with our mortgage, not helping in any way to help of us with a modification but on several attempts tried to foreclose on us. I read his response and it is absolutely false. XXXX XXXX on the behalf of Wells Fargo Bank , N.A . ... .XXXX XXXX XXXX XXXX is a third party loan servicer and on this date started the foreclosure process on our home XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I explained to XXXX XXXX... ..I have paperwork that states Wells Fargo Bank 's involvement of what they have been found guilty of and we are one of many victims. So, because he has responded on file stating that Wells Fargo has not serviced our loan/mortgage and I have evidence that they most definitely did I am seeking legal representation. The deadline for the settlement is approaching soon and we could really use some legal assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I received a bill in the mail for a medical debt. this debit was paid. I sent a letter to the collection agency to send me a itemized bill with all the breakdowns of this debt. I sent a letter back within 5 days of receiving the bill asking for all the medical proceeders that were done. I never heard from the collection agency. it has been 90 days from receiving. now on my credit account it shows up as a open collection. just on XXXX and not on XXXX. what I would like is to have your complaint department to look in to this and if you can have it removed from my credit account. thank you.
Product: Checking or savings account

Wells Fargo managed the XXXX XXXX  trust for many years. XXXX  income was from family land sales. XXXX was robbed and depleted by the bank. The money went into the bank from the sales, but was never available And depleted by management fees Or other illegal activities.
Product: Money transfer, virtual currency, or money service

I opened my account with Binance US and transferred {$4500.00} there. The same day my Binance account was locked. I saw money left my XXXX bank but I dont have ability to access my Binance US account any longer. I submitted the request to unlock it. I was told I need to provide information like my driving license, and indeed some questions. I did that on XX/XX/22. I receive the response that these got my information and they will get back to me in XXXX business days. Today is XX/XX/22 and I still dont have access to my funds. They dont have a phone number to talk to someone in person, I emailed them numerous times after that and all I receive it -we are looking into that. I feel like my rights as customer are violated. I dont have access to my funds and it beyond all limits and timeframes for Regulation CC-Funds availability act. Im out of {$4500.00} and I dont know what to do. No one is helping me and its the first time its happened to me. Please help me to retrieve my funds.
Product: Credit reporting or other personal consumer reports

inaccurate information being reported onto my credit profile causing me to be denied credit
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are engaging in a scheme to keep a significant amount of the general public with bad credit so that they can receive more advertising and subscription revenue from high risk lenders. 

XXXX has provided me with 2 letters stating that they have deleted a bankruptcy that did not belong to me off of my credit reports. However, Equifax took it to another level. They switched companies and had some company called XXXX to report a bankruptcy that does not exist. There is no information to the company that fraudulently verified the info. 

I'm attaching the newest letter received from XXXX substantiating my claim and It should not take 60 more days for the three major bureaus to willfully violate my rights again. If it's not settled and deleted in 15 days, I am going to sue all three bureaus and lay out the scheme and ask the for class action certification. 

I have ask for verification on all inquiries showing up on my credit report and I have received no correspondence. I only consented to the US government and XXXX XXXX XXXX. 

There are several companies such as XXXX  that can not be contacted, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX that also should be deleted for unlawfully verifying entries that they know to be false.
Product: Checking or savings account

I have been a customer at Citizens Bank for more than 4 years. 
Over the past two years, my accounts have been frozen without any notice or explanation and I believe this has been targeted towards me based on my nationality. 
The branch manager where I opened the account personally supervised the last hold on my account ( XX/XX/2019 ) and was asking for documents to prove my legal status in the United States. They held my college tuition and caused me great distress. I asked about the nature of the investigation three times, and every time I was ignored. This year around the same time, there was another hold put on my account, and my credit card payments which are auto-pays were returned by the bank. I still do not have access to my account and I can not transfer any funds. I have been in touch with every representative from customer support to the office of the chairman at this financial group for two months and there has been no action regarding the matter. I was given this number ( XXXX XXXX XXXX ) to resolve the issue. After speaking to XXXX, and being promised full access to my accounts and a call back regarding the reason for the holds two months ago, I still can not access my accounts or even withdraw the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally finances states that on XX/XX/2017 I applied for a loan which I never did. There are hard inquiries on my credit reports XXXX XXXX, XXXX   and XXXX. I called ally finances and they stated there were no accounts under my name on file, and they wouldn't take this fraudulent information off my credit reports with XXXX XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX Email- XXXX Phone- XXXX DOB- XX/XX/XXXX Address- XXXX XXXX XXXX, XXXX Ny XXXX SSN- XXXX Inquires that need to be removed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

I am Complaint Regarding Unfulfilled Promotional Miles on My U.S. Bank Skypass Visa Signature Business Card. 

I am writing to formally complain about the unfulfilled 50,000 bonus miles promotion I was promised when I opened my U.S. Bank Skypass Visa Signature Business card on XX/XX/2024. 

As part of the promotion, I was eligible to receive 50,000 bonus miles if I spent {$5000.00} in purchases within the first 90 days of account opening. I am confident that I met this requirement, completing the necessary spending within two billing cycles, well before the 90-day deadline. 

However, despite meeting the terms of the promotion, I did not receive the promised bonus miles. so When I contacted USBank customer service team, I was informed that the bank could no longer honor the promotional miles, due to recent changes on XX/XX/2024 which after I apply. it states that " we are unable to process this request because existing or previous SKYPASS Visa Signature Business cardmembers are not eligible if you have received a new account bonus for this product in the five years '' I find this unacceptable, as I applied for the card under the terms of the original promotion and adhered to all the requirements. I can provide copies of my statements and transaction history that show I met the spending requirement. 

I request that you honor the promotion as advertised when I applied, and credit the 50,000 bonus miles to my account promptly. Please consider this as my formal complaint, and I hope this matter will be resolved in good faith especially I was royal customer to USBank past 20 years. 
I look forward to your prompt response.
Product: Debt collection

Sent a dispute letter to Revco on XX/XX/XXXX. It arrived at the company XXXX XXXX XXXX XX/XX/XXXX. This company should have received this letter and they are supposed to stop trying to collect until they send me information that shows the debt is owed. A phone call was made on Monday XX/XX/XXXX seeking to speak with XXXX XXXX. This company has not ceased collection after receiving a dispute letter.
Product: Credit reporting or other personal consumer reports

Remark code added to XXXX XXXXXXXX account Between XX/XX/year> and XX/XX/year>, the following remark was added to this account : Dispute resolved ; customer disagrees. 

Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Remark code removed from XXXX XXXX account Between XX/XX/year> and XX/XX/year>, the following remark was removed from this account : Account information disputed by consumer, meets FCRA requirements. 

Remarks are meant to make your report more clear. If you're not sure why this remark was removed from your report or where it came from, you can contact your creditor or the credit bureau for more information. This dropped my score 65 pts i have not used this company in months and i left on good standing?
Product: Mortgage

Since XX/XX/XXXX I have been requesting a mortgage modification. The holder of my original mortgage was XXXX in Fl. After the federal government shut there office down, my mortgage was acquired by XXXX XXXX XXXX for over 4 years they never provided any paper work stating how and why they have my mortgage. I completed every request from XXXX to complete the documents for a modification with no success. Then I received notice that XXXX Mortgage is my new holder of my mortgage. Now, XXXX claim to have my mortgage. What are my rights? What documents am I suppose to receive from the mortgage that is true and legal. Is this legal?