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

I originally purchased a car loan through Us Auto sales with a XXXX XXXX payment of $ XXXXThe car dealership closed and filed for bankruptcy.They sold my contract to a debt collector ( Westlake holding management ) .When I checked my credit, the reminder loan amount is incorrect and seems that it has double.It also states that us auto is still the lien holder of the vehicle.Westlake is now reaching out to receive payments.Westlake is not honoring the gap insurance or the warranty that was originally purchased with the car.They cant provide me with my original contract nor have any updated information on my account.I am a filing a complaint with the knowledge of the FTC Prevention of consumers law and defense clause.
Product: Debt collection

Pyod llc is inaccurately reporting on my credit that {$730.00} is owed as of XX/XX/year>. I have never done business with this company please remove immediately
Product: Credit card

Applied for a Wells Fargo credit card ( XXXX  ) without no annual fee. I receive a up graded XXXX  credit card with an annual fee assessed. Sought to identify the discrepancy without any impact to credit. Banker rep identified that cancellation would incur a credit score impact. I never applied for the card the card and declined to keep it. Wells Fargo has a history of assigning customers with credit cards they didnt apply for my experience in this case is that this is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Inquiries have reached the statute of limitation. 

2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Inquiries have reached the statute of limitation. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Inquiries have reached the statute of limitation.
Product: Credit card or prepaid card

Ive been with Wells Fargo since 1988. When Covid started, I started using my credit cards more but Ive never been late on a payment. This past year, I was struggling financially especially this past year so Ive had to take some additional steps with personal loans, card purchases, etc but im getting a bonus to pay a lot of it off in XXXX. I know Ive had overdraft transactions but Ive never been late with Wells Fargo and Im seen high risk but to go from a XXXX credit limi to XXXX to XXXX in a year is ridiculous. Its impacted my credit score dramatically and as Im working on getting myself back up on my feet, i attempted to resolve this with Wells Fargo awhile back via XXXX and they told me to write to request an increase which was denied. I am requesting my limit be increased as I have been a loyal customer with Wells Fargo. Again, i understand a decrease but by this much? Please rectify
Product: Debt collection

Collection opened on XX/XX/2020 from XXXX  XXXX XXXX / XXXX. Debt is attempted to be collected by Sunrise Credit Service. This is a violation of the Fair Debt Collection practices act. As this debt was never validated nor was I properly and legally made aware of this debt prior to it being attached to my credit report within the statutes in the fair debt collection practices act. This debt does not belong to me and I wish to have it validated, upon resolution, removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

I opened a XXXX XXXX credit card on XXXX XXXX. I tried to pay the bill over the phone in late XXXX. I received credit card bill statement in early XXXX. The online system to pay my XXXX XXXX credit card has never recognized my activation or registration of the XXXX XXXX card and is generally inoperable. This is a huge inconvenience. I have contacted the company and gotten no response. I DO NOT WANT TO PAY A LATE FEE when I have spent hours trying to pay this bill on time.
Product: Bank account or service

I 'm having a problem with Citizens Bank and my account again.They have debited my account for {$64.00} for a XXXX overdraft. I had enough money in the account to cover the items and I also credited the account {$1.00}. When I called the XXXX # the bank representative told me to read my account brochure and hung up on me. Please help me -- this bank will take all the money I have out of my account and I have bills to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX FL XXXX, NY XXXX XXXX DISCOVER XXXX
Product: Vehicle loan or lease

We were purchasing our leased XXXX XXXX. On XX/XX/2022, we received our bank {$10000.00} check toward the purchase. We then wrote a check in the amount of {$2000.00} for the remaining balance. When we checked we only saw that the {$10000.00} check cleared and there was a remaining balance of {$2000.00}. This check was in the overnight mailing to Honda. We made numerous phone calls to Honda Financial. We were told that the payment was not posted but for us to call in 2 days. When we called back, we were told that the account for the purchase was short {$2000.00} but we explained that we have proof that our payment was processed and cleared. Our checking account has been deducted the {$2000.00}. I have sent in proof that the check was processed and cleared but told that the car would be repossessed if that payment of {$2000.00} is not paid. I have asked to speak with supervisors but never allowed to speak with a supervisor. There is no email address to email anyone, only a phone number that we wait on hold for up to 50 minutes each time. We were told to fax over proof of the payment but later told that this proof was not acceptable. I am paying on a car loan from our bank for a car that is about to be repossessed for failure to pay in full when we in fact have paid in full. I am attaching proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax on XX/XX/2022, spoke with an agent that stated he would need me to send my Id in along with paperwork.. I stated I already did and its no need too and if I could speak with the agent supervisor. The supervisor XXXX XXXX, agent id XXXX  told me that they can not delete anything off my credit report and would need to dispute and investigate it! I never gave Equifax written consent in the first place 15 USC 1681b ( 2 ) and that is identity theft.
Product: Debt collection

In XX/XX/2024, a company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulently charged me for services I never agreed to or received. Later, I discovered that a debt collection account was placed on my credit report based on this fraudulent charge. I sent a written request for debt validation, including a demand for the original contract, itemized charges, and proof of their legal right to collect this debt. I never received a response. This collection is negatively affecting my credit and is based on a fraudulent account. I am requesting the removal of this debt and that the company cease all collection activity until proper validation is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt removal of a collection account that is inaccurately reported on my credit report. Your immediate attention to this matter is required, as the collection agency has failed to provide original debt information from the original lender. 

The collection account in question is as follows : Creditor : Receivable Management Collection Account Number : XXXX XXXX XXXX XXXX XXXX The aforementioned collection account contains inaccurate information, and the collection agency has not furnished the necessary original debt information from the original lender. This lack of substantiation renders the account invalid and its presence on my credit report is causing significant harm to my financial well-being. 

Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of this collection account. Should you fail to substantiate the validity of this account or correct the inaccurate information, I insist that you promptly delete the account from my credit report. 

In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of this collection account, you are legally obligated to remove the account from my credit report and notify me of the changes made. 

I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.
Product: Checking or savings account

I opened a business checking account with PNC BANK on XXXX EIN- XXXX. My business didn't do well. They started charging me {$10.00} fees every month. They called it maintenance fees. Moving forward I went to close the account on XXXX inside the branch. The attendant gave me the remaining balance and told me she couldn't close the account due to pending transactions. I asked her before she let me go was there any documents I needed to sign and copies to prove my account is closed. She told me no and I left. When I left a XXXX  man came in with a briefcase and walked right in as I was leaving. I remember it like it was yesterday. She would call me and notify me when the account is closed. She called me and told me the account was closed. FDIC rules and regulations upon closing an account your suppose to provide me with my last bank statements, sign a closing account form to make it official and give me disclosures. Of which it never happened. I am grateful I printed out bank statements of my account and I have evidence. Today on XXXX I went to the branch I asked to speak to a supervisor. I went in the office and she begun to make phone calls to antagonize me and intimidate me and pretend she was confused that I didn't know what I was talking about. I told her I want my bank statement and the account closing form I was suppose to receive and she refused to give it to me. She then showed me my account and told me my account balance was on {$0.00} when I closed the account and stated there was no forms I was suppose to be given. They are lying and trying to cover up information of a money laundering scheme going on with my bank account. i don't want one day to have the government at my door due to an account i thought I closed and technically I didn't when the bank is the one in charge of this fraudulent scam. I can only imagine how many people who think they closed accounts and they are still active because of this bank taking advantage of certain demographics of individuals in certain zip codes who aren't aware or don't know the laws or rules and regulations to see these things are happening. I almost didn't see it and they could've gotten away with this if I wouldn't have done my research. If someone can please please investigate on this matter. I am exhausting all my chain of commands until something is done. This is illegal and it should not be happening. 

Thanks In Advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have paid off my auto loan with XXXX  XXXX XXXX XXXX in full on XX/XX/XXXX but I see a derogatory remark has been added by XXXX  XXXX XXXX XXXX on XX/XX/XXXX when the account was already closed in XX/XX/XXXX Please help in this matter as this is purely a case of false credit reporting and unethical conduct on part of the lender -XXXX  XXXX XXXX XXXX
Product: Mortgage

We refinanced our mortgage in order to switch from an ARM to a fixed. We were given paperwork showing that our new mortgage company would be XXXX XXXX XXXX XXXX XXXX Mortgage and that our first payment was due on XXXX/XXXX/2015. We used an ACH transaction to pay the first payment on XXXX/XXXX/2015. We have documentation from our bank, XXXX XXXX XXXX, that the transaction was sent and that XXXX Mortgage received it. 

On XXXX we received a letter from Shellpoint Mortgage stating that they now owned our mortgage effective XXXX/XXXX/2015. This was 17 days after we sent our first payment. They advised us to not send the XXXX payment to XXXX and to send it to Shellpoint. The payment we sent does n't show on either company 's website for our account. We 've called both companies to try to get the payment corrected but unfortunately, neither company will assist us in this process. When we call XXXX they tell us that the request to transfer the funds must come from Shellpoint. When we call Shellpoint, they tell us that we must call XXXX and arrange the transfer ourselves. after numerous calls to each entity, we keep getting shuffled back to the opposite entity. 

In the meantime, we are currently listed as late for our XXXX payment and have no way of retrieving the funds from XXXX so that we can pay Shellpoint.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I no longer have a loan with One Main Financial but they continue to harrass me with calls. I have asked them, and told them several times to please stop calling. I have blocked the number but it shows up every time they call. I'm done being nice.
Product: Debt collection

The debt was paid by electronic transfer but the creditor never acknowledged receipt of the payment and turned it over to a collection agency who has called my cell phone repeatedly even when told to stop.
Product: Money transfer, virtual currency, or money service

When setting up a preferred payment method with PayPal, I've repeatedly set my credit card as the preferred payment method, but PayPal continues to debit a linked bank account instead of the specified credit card. This has caused me to overdraw my bank account twice. When researching this issue online, I've noticed that it is a widespread problem worthy of reporting to the CFPB. In trying to resolve the issue with PayPal, they have refused to address it and closed the case that I opened. 

Note : the attachment included is a screen shot of my preferred payment methods, showing that my credit card is selected. I had a transaction hit my checking account XXXX causing an overdraft when it should have hit my credit card. Also attached is the email I received when PayPal denied my case and refused to resolve my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house for my family, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

Fraudulent Accounts : 1. XXXX XXXX XXXXAccount number XXXX 2. XXXX XXXXAccount number XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I have never been associated with these accounts, addresses, or names. I request an immediate investigation into this matter and the removal of all false entries from my credit report. The impact on my creditworthiness is severe, and I need this matter resolved promptly. 

Please provide me with the necessary steps and documentation required to support your investigation. I am willing to cooperate fully and provide any additional information or evidence as needed. 

Kindly confirm in writing once the fraudulent information has been successfully removed from my credit report. Additionally, I request a revised copy of my credit report to ensure complete resolution of this issue. 

Thank you for your urgent attention to this matter. I trust in your ability to rectify this situation promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months but i just remember i could file a report on here as i feel as their not doing their job properly and it is affecting me a great deal as i used Paypal quite frequently. My email linked to my Paypal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).