23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Good morning, this is to follow up on the complaint I have regarding the unjustified retention of my money by Paypal. In your previous response you indicated that nothing could be done, but based on the complaint filed, you released part of the money, but more than 50 % is still missing. 

They tell me in another email that it may take 180 days, but I need to know if from the date of the event in which these deposits were made to the PayPal account or will it be 180 days from the email received. 

Furthermore, they continue without giving me an explanation as to why my money is still being withheld. This whole situation has caused me many problems since with that money I have to pay suppliers who are very angry about the lack of payment as a result of the aforementioned withholding. 

I look forward to a quick response and thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing deformatory information that is causing me harm, in fact the account from XXXX XXXX XXXX XXXX  has been PAID TWICE AND SHOULD NOT BE ON MY XXXX XXXX   REPORT BECAUSE I HAVE EXPERIENCED BAD OUTCOMES FROM THIS, THE MISLEADING INFORMATION NEEDS TO BE REMOVED IMMEDIATLY BECAUSE IT DOES SHOW PAID 100 PERCENT BY INDIVIDUAL AND ALSO I SENT IN PAYMENT A FEW WEEKS AGO AND THEY ACCEPTED MY PAYMENT BECAUSE THEY DID NOT SEND IT BACK TO ME, THEY KEPT IT, SO XXXX NEEDS TO SEE MY TANGIBLE EVIDENCE AND REMOVE THE FRAUDULENT INFORMATION AT ONCE BECAUSE IT IS NOT VALID
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. Despite my ongoing efforts and repeated disputes, these items continue to be inaccurately reported, and this situation is causing significant harm to my creditworthiness and financial well-being. This letter serves as my formal complaint regarding the unresolved issues related to these fraudulent entries. 

The fraudulent items on my credit report that I have been striving to have removed are as follows : I have diligently reported these inaccuracies to your agency on multiple occasions, providing comprehensive documentation to prove the fraudulent nature of these entries. Despite my efforts, these items remain on my credit report, causing unwarranted damage to my creditworthiness and financial stability. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The ongoing presence of these fraudulent items not only violates the FCRA but also undermines my ability to access credit, obtain loans, and make sound financial decisions. 

I hereby request that your agency conducts a thorough and exhaustive investigation into these fraudulent items, carefully reviewing the documentation I have provided. It is imperative that you take immediate action to correct these errors and ensure the removal of these fraudulent items from my credit report without any further delay. 

Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. 

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal of the fraudulent items from my credit report. Please recognize the gravity of this situation and its profound impact on my financial well-being and future opportunities. 

If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. I appreciate your immediate attention to this matter and your commitment to resolving it promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$480.00} XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>.
Product: Debt collection

GC KEEPS CALLING MY CELL FOR FAMILY MEMBER XXXX XXXX, SKIP TRACING ETC ...
Product: Vehicle loan or lease

XXXX ) XX/XX/XXXX I purchased a XXXX XXXX XXXX seller assigned its interest in the contract to XXXX XXXX  XXXX in the loan amount of {$91000.00}. 
XXXX ) XX/XX/XXXX, The vehicle had Sudden acceleration when stopped, the vehicle smashed iron security gate, crashed through the reinforced concrete wall. 
XXXX ) XX/XX/XXXX, designation of attorney to XXXX office of XXXX XXXX at XXXX XXXX, CA filed lawsuit against XXXX XXXX. 
XXXX ) XX/XX/XXXX XXXX XXXX referred an auto repair shop, the vehicle towed to XXXX XXXX XXXX XXXX XXXX.The lawyers office has advised the body shop in numerous times that the XXXX car is in litigation and should be preserved as it and is component parts are material evidence with the claims in this case. 
XXXX ) I keep paying the monthly mortgage payment {$1600.00} to US bank since XX/XX/XXXX though the vehicle is not operable, waited for trial of litigation. 
XXXX ) Suddenly, A letter mailed to me from US bank dated XX/XX/XXXX notified that the bank to sell the vehicle at private sale after XX/XX/XXXX. US banks agent, auto secure recovery repossessed the vehicle from XXXX XXXX XXXX XXXX XXXX, the bodyshop had received payment of {$20000.00} in cash on XX/XX/XXXX for parking fees. Neither Myself nor my insurance company, My lawyer had received notice from the bank before they authorized the payment and had lien against my account. My attorney office and me had contacted with US bank to find out who had authorized to pay the {$20000.00} in cash without verified or notified to me as the holder and owner. I was told that XXXXXXXX XXXX XXXX XXXX misrepresentation that the vehicle owner abandoned subject vehicle, they intentionally failure to disclose the fact of pending litigation with XXXX XXXX. There are missing parts and body shop spoliation of evidence with the claims in this case. several tows by the body shop to auto secure recovery and retrieved, they damage the evidences, the parts lost. The delay of the trial and inspection of XXXX XXXX caused the body shop to defraud me of {$20000.00} for parking fees. 
XXXX ) Twenty three months after the accident, the defendants technicians finally came to my place to inspect the vehicle. 
XXXX ) Theres no estimate or any contract with XXXX XXXX XXXX.the body shop did not repair the vehicle. I'm the customer who paid auto mortgage as scheduled every month and did not break the contract. Why US bank pay {$20000.00} parking fees to the body shop so easily without notify or consulting with their customer? After that, My lawyer and me requested explanations from US Bank. Whats department and who authorized the {$20000.00} in cash payment to the body shop, but the bank dragged and ignored to respond. Now XXXX 's is unwilling to bear the losses caused by their delay in inspected the incident XXXX vehicle. US bank need to explain and remove the lien against me. Please investigate all parties of US bank, XXXX XXXX XXXX XXXX XXXX related to this frauds. Who actually received /shared the {$20000.00} parking fees?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account number XXXX, The Bureaus Account number XXXX, XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Started getting phone calls and fake XXXX bills in 2017. Called XXXX immediately and they said I do not have an account with them under this particular account number they are providing nor under my personal information for XXXX $ I got calls from XXXX NY and Florida. Now I am getting calls from what appears to be in my state but when I research number its not an active number. 
I now have a collection under my credit report from this agency : Convergent Outsourcing in Washington state for this amount but have yet to get any information because they ask for my personal information like my SS number which I Am not giving them. There is already a class action lawsuit against them. Please help.
Product: Checking or savings account

I visited regions bank branch in XXXX at XXXX XXXX on XX/XX/2022 to open a checking account with them to take advantage of their offer to get XXXX dollars to open new account. After giving all the information my account got opened but I was being forced to sign w8 form which says do not fill if you are US person including resident alien. I am XXXXesident alien by substantial presence test, although I do not have green card .Without asking and equiring further, I was being told who I am and that I am not a resident alien, the debit was taken back and was asked to visit branch on Monday, which I did. I explained again to one of the staff that I am for tax purposes a US person and resident alien by substantial presence test, and I signed w9 form which is correct form. On XXXX I got a call from branch manager to tell me that they will close my account because I was not signing the w8. I again tried to explain that form itself says do not sign if you are US person including resident alien. All the staff was rude and their legal department was either not given full version of my argument or they also lack this knowledge that someone who has established substantial presence in state and lives works and pays taxes here is also a resident alien US person ( not citizen ). Staff was very rude and made me feel less appropriate somehow for not having a green card and that they were doing this for 20 years and they rejected my version of who I am, instead they were telling me who they thought I was. They closed my account and denied me opportunity to get the bonus which intact they mailed me.
Product: Checking or savings account

Dear Sir/Madam, Sub : TD denied my {$500.00} bonus and gave evolving reasons. 

I opened checking and savings accounts with TD bank USA in XX/XX/2021 and met all the terms and conditions for {$500.00} bonus but TD bank didn't credit me the bonus. They gave me a variety of changing reasons to deny bonus. All along in past months, I kept requesting to confirm my bonus eligibility but never got a straight answer. I filed complaint but the management didn't make any attempt to help. They kept telling different and changing reasons and apologized for poor customer service and also acknowledged that they need to groom their team but their apology didn't do any good to me. All the conversation with them is documented in secure messaging and mails. Disappointed, I ultimately put my account closing request to them yesterday. But I thought that this has to be reported so that no other customers have to go through this. 
If you could help with this, it would be great. 

Thanks in advance & warm regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DATE REPORTED XX/2017 AMOUNT : XXXX ACCOUNT : XXXX The account balance is incorrect, please delete. 

THIS DEBT WAS HANDLED IN COURT
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account opened in my name in XX/XX/2014 at XXXX XXXX, before I was XXXX years old. There is also another account from XXXX XXXX that was opened. Both of the accounts are fraudulent and I have asked for validation several times from them, and the credit bureau so that it could be deleted from my report. I have not received any validation and the credit bureau keeps updating the account. The last account is XXXX XXXX that is being reported twice on my report, one as negative and one as positive and paid with the same account number. I disputed this account also, with no response or validation sent for the account. Last, I asked for validation for the collection debt from XXXX XXXX twice and still I have not received anything that attaches any of these debts to me.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX XXXX XXXX XXXX XXXX XXXX. This account was last paid on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  there was no data or reporting. The account had been paid off. This vehicle was traded in XXXX XXXX XXXX and was never late of charged off. However on XX/XX/XXXX this account was considered charged off. Which would be impossible since the account is paid off and shows no balance due. I was never late on this vehicle, and could not have been charged off unless I had been late on this account for multiple months. 



This is a huge discrepancy on Experian and XXXX and as a credit reporting agencies and must be corrected immediately. 

My XXXX show this account PAID ON TIME AS AGREED and must be removed as it is an unfair and inaccurate reporting. The FCRA guarantees fair and accurate reporting and Experian and XXXX has failed.
Product: Vehicle loan or lease

My name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX. 
In XXXX, I purchased a XXXX XXXX XXXX, which was financed by Exeter Finance for {$23000.00}, at a Monthly payment of {$550.00} for 72 months. Even, though I thought the payments were high, I was diligent with my car payments. 
Recently, Exeter communicated with me to inform that, I still owed a principal amount of {$7000.00}, which needs to be to be paid within the next 80 days. My immediate response, How much have I paid so far? 
Exeter responded by telling me that I have paid {$41000.00} to date and insisted that I pay an additional lump sum of {$7000.00} to relinquish my debt. On XX/XX/XXXX, I requested a summary of my Payment History, Sales Contract, and Loan agreement for review. Exeter has promised to send/email, but has not sent the materials in 3.5weeks. 
I feel that Exeter is not only practicing unfair debt collection, their policies are indiscriminate, and their behavior is obtrusive with constant phone calls XXXX am each morning prior to me going to work. 
I am convenience that I have paid off my car, and are no longer obliged to make any further payments. Exeters address is XXXX. XXXX XXXX, XXXX, Texas XXXX, ( XXXX ) XXXX, email address : customerservice@exeterfinance.com.

Please provide me with immediate assistance. 
Sincerely, XXXX XXXX ( XXXX ) XXXX ( m ) ( XXXX ) XXXX ( w )
Product: Mortgage

I am writing to dispute the accuracy of a late or delinquent payment reporting by Freedom Mortgage. Freedom Mortgage failed to apply funds they had on-hand prior to the due date and subsequently reported I was late in payment because, they overpaid DC Office of Tax and Revenue for property taxes from the escrow account. Freedom Mortgage stated their decision to not apply funds is based on internal policies and agreements that allows them to hold funds ( and not apply them for payment ) when there is a shortage. The justification for the shortage ( e.g., their lack of proper due diligence and care ) was irrelevant to their decision.

Similarly, after recognition of the potential error and oversight by Freedom Mortgage ( they were given a copy of the revised tax assessment letter ) in the overpayment ( i.e., I was told but not given evidence of their attempt ( s ) to contact DCs Office of Tax and Revenue for clarification ) they did not provide sufficient time for a response by the DC government. I say sufficient time as it is widely known there are ongoing delays in US Postal Service delivery services and delays and challenges with government agencies ability to respond to requests due to COVID-19 constraints.

Freedom Mortgage reports derogatory information to the credit bureaus they refuse to later correct while they are in the process of clarifying and understanding their own errors as later corrected by their overpayment notice and payment check to me for funds due. When calling Freedom Mortgage to request a retraction of their notice of late payment they refuse stating they have internal policies ( not shared ) to prohibit such retractions unless they made an error. I was unable to reason through how this was not an error and did not get an answer as to why if there was no error, I was sent a check for the amount overpaid. Again, they simply did not allow time to understand their error and allow for a practical resolution, then failed to make whole ( e.g., return funds and correct the credit record ) following their error, all while having funds available to apply for payment.
Product: Vehicle loan or lease

XXXX XXXX  a penfed asking for copy of driver license before finalizing loans on XXXX American customers
Product: Credit reporting or other personal consumer reports

Good day, Per the FCRA 15 USC 1681 section 602 a clearly states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by the Gramm-Leach-Bliley Act 15 USC 6801 - " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the definitions under the aforementioned title, the following furnishers of information ( I'm including the account numbers as well ) are considered financial institutions : On 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 Additionally, I did NOT give verbal or written permission to the aforementioned furnishers, XXXX nor Experian to furnish any information, according to 15 USC 1681 Section 604a section 2.

You can see 15 USC 6802 ( b ) ( c ) regarding a financial institution disclosing nonpublic personal information to a nonaffiliated third party.

Also see 15 YSC1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse and being reported without permission which is not allowed per 15 US Code 1681s-2 ( A ) ( 1 ). Both XXXX and Experian are not adhering to 15 USC 1681e which says " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' I also sent in required documents to identify myself and requested that my personal information be updated ; however, Experian has XXXX names and XXXX addresses on file for me. Again, my name is : XXXX XXXX and my address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  And per 12 CFR 1016.7 again, I am opting out of your reporting services.
Product: Mortgage

I started down the path of signing up for Lending Tree when I discovered that you needed my social security information, I was no longer interested. After that I received, and continue to receive unwelcome phone calls to my phone number, I requested my data be removed and I be put on the do not call list. I was then told I would be put on that list after 72 hours, but more than a month later I am still receiving phone calls.
Product: Checking or savings account

On XX/XX/year> I received a text message asking if I made these XXXX transactions. When I replied No I immediately received a phone call with the caller ID Wellsfargo Bank XXXX so of course I answered since I was panicking that my acct was compromised. After going through the questions and they asked me to reverse my XXXX so I can retrieve my money back but didnt realize I was actually getting scammed. I checked my acct the next day and thats when I discovered my money was missing, so immediately contacted Wellsfargo to open a claim. Going through the whole process and waiting, they explained that nothing they can do because I made these XXXX transactions. I was so furious and stressed because it was over {$3000.00}. Ive been a long time customer for over 30 years and this is how they treat me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle leased through GM financial. I had a bill credit listed on bills on or around XX/XX/2017, through XX/XX/2017 and my car was repossessed on XX/XX/2017. When I reached out to the company I told them the bill showed a credit repeatedly, offered to send it, they simply stated no. I offered to pay the balance due to use the car for the last 6 months, no. I sent them the bill, I sent the credit bureau the bill, and both have rejected this and still say the outstanding is valid and true. I have been given zero evidence of this validity. Most recently I found this original bill and submitted it for review. STILL I am told I owe this debt and it has negatively been impacting me for 4 years.
Product: Credit card or prepaid card

Credit karma have been misleading me for years about being approved for cards. I had trusted them for the information that I was giving. But I started to realize that something was not right. I was always being denied I was told that the system is down for the moment, it's a mistake, it's common, I was going to be granted the cards that I was offered and pre-approved for just give it time. I trusted and trusted credit karma and then my score starts to decrease it actually when down until they literally disappeared over night. My credit score is all I had to unlock future opportunities. Not anymore they are XXXX and XXXX these scores was XXXX and up. I never had any cards because I was not going to be a person who has ruined credit in younger years. I am not sure why I was misled by the company. I have no credit due to credit karma. I contacted them for the incident, I explained to them in very specific details. I was sending emails and speaking through the chatting tool on the site. I have given them time to get my credit score issue to the company 's corporate office to deal with the situation. I have not received any response from the credit karma office or leaders. I have been a victim of misleading information, I have not received any cards I was approved for, I definitely haven't heard from credit karma team about the so called mistake I was mistakenly put in for me not receiving my pre-approval cards. I have letters stating that I have to redo applications for the cards and I will have them shortly. I have been looking for help with this situation. I am very concerned about why I have been a victim to falsely information which caused me terrible outcomes to having stressful days and XXXX