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

I contacted BB & T about XXXX week ago around XX/XX/XXXX and again later that day regarding a payoff amount of our vehicle loan, I needed verification sent to me or my other lender showing what the payoff amount is, BB & T was not able to provide me with this information via email or fax, they only could verbally. No lender in history will accept anything verbally when applying for a loan they want to see PROOF which is totally understandable. I called BB & T again today XX/XX/2021 to pay off the loan in the amount of {$15000.00} they told me it would take approximately XXXX days to process, I then asked if they could send me an email showing that the loan was paid in full to me or my lender and they told me that they could not do that either. I have never ever heard of such a thing. This is MY loan and I make the payment every month. I should be able to request any type of information regarding MY loan account when needed. BB & T needs to change there policy regarding this matter along with hiring more employees to answer phones, I waited and hour each time I called for them to tell me I cant get what I need from MY loan account. Seriously the most ridiculous thing ever and I DO NOT recommend anyone to BB & T.
Product: Mortgage

On XX/XX/XXXX, I received a check for an Escrow Surplus. On XX/XX/XXXX, I realized I had not cashed the check, so I contacted Key Bank and spoke with XXXX. She informed me they were aware, and that they would issue a new check for the same amount. She mentioned I would receive the check within ten business days and that I should not cash the old check. For this reason, I wrote void on the check and kept it in my personal file. I never received the new check, so I call the bank back. On XX/XX/XXXX, I spoke with XXXX, where she apologized and told me they would issue the new check within five days. Once again, I did not receive the new check, so I called them back. On XX/XX/XXXX, I spoke with XXXX where she claimed they were aware of the situation and she requested I send a copy of the uncashed check to a person at the bank named XXXX at XXXX. During each conversation, they stated they would contact me if they wanted more information from me. Again, they did not send the check as they promised, nor did they contact me. After I complained to them about their poor service, XXXX called me on XX/XX/XXXX, to inform me they would XXXX  the new check to compensate for their poor service. Because no check arrived, I had to call the bank back to inquire further on XX/XX/XXXX. I spoke with XXXX who claimed that they tried to reach me via my email ; however, this was another lie. By this point, she referred me to XXXX, and told me I would probably have to call the Ohio Department of Commerce to request the money owed to me by Key Bank. She also mentioned that XXXX would call me back to see what could be done. After some time, XXXX called me and told me he did not know about the situation although he had the notes from the previous calls, and he stated he would get back with me after he investigated the matter. Time passed, and he finally returned my call. He informed me they could do nothing about the check and that I would have to contact the Ohio Department of Commerce to request my funds. When I called the Ohio Department of Commerce, they mentioned the bank did not send my check to them and that it would probably take time to research the matter. I feel the Bank has been giving me the run-around and intended for me to give up on the amount so they could keep the funds. If they are doing this with me, I feel this is a systemic problem.
Product: Debt collection

Statewide is attempting to collect a debt for school taxes on behalf of XXXX XXXX, Pennsylvania. This is for taxes levied in year XXXX and XXXX. I have not lived in Pennsylvania since XXXX. Therefore I am not liable for school taxes a decade later. I informed the agency of this error three times ( via US Mail, in XXXX ; by phone, XXXX XX/XX/XXXX ; and via email, XXXX XX/XX/XXXX ). Statewide ignores MY messages to them, yet keeps harassing me with their false claims of money I owe them. 

Today, XXXX XX/XX/XXXX, I received another collection notice from Statewide ( the collection agency ). I don't plan, or expect, to be in Pennsylvania ever again, not even to " pass through. '' Please help me make Statewide stop these deceptive practices. 

Thank you!
Product: Debt collection

On XX/XX/XXXXXXXX XXXX XXXX I settled my TJX Rewards MasterCard Account with XXXX XXXX, XXXX. 

The Balance at the time was {$6400.00} and we settled at {$2500.00} over XXXX monthly payments of {$100.00}. We sent payments monthly for XXXX, XXXX, XXXX and XXXX of XXXX  and then in XX/XX/2022 we received noticed that XXXX XXXX  could no longer honor the settlement because they no longer had it in their office. 

This obviously made no sense to me because we had an arrangement in place that was taken care of and then out of no where it's no longer in place? That is incredibly unfair! 

I tried reaching out to XXXX XXXX but they told me they could not do anything and that it was Synchrony Bank 's decision to " re-call '' the account.
Product: Mortgage

I have been notified by the Oklahoma tax commission on XX/XX/XXXX that our property taxes have not been paid. I called Loan Care XXXX our mortgage provider of the discrepancy on XX/XX/XXXX. We have all of our escrow up to date and paid with our payments. They stated on XX/XX/XXXX they tried to pay but the parcel wasn't in our name. They assured me they would handle it. I reached out to the Tax commission office and Loan Care had requested the tax letter at the beginning of XXXX which was mailed to them on XX/XX/XXXX. I have since called ( greater of four times ) and submitted the letter to Loan Care with no resolution. I know have received a letter from Oklahoma Tax commission office stating we would have a tax lien placed on our home if taxes are not paid in full by XX/XX/XXXX. When you contact customer service they typically make you wait long periods before answering. I have waited hours on the call back system they have in place. When I asked for a direct line I was told there wasn't want to give. When I called today I was placed on the phone with a supervisor who left her contact information and guaranteed a resolution in 48 hrs. XXXX XXXX XXXX XXXX. This is the second time I've been told 48hrs to resolve.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 
Account : XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX  XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX  XXXXXXXX XXXX Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 chime bank closed my account at XXXX $ chime ask me to send in documentation to verify the funds in the account I sent legal documentation to chime numerous of times chime informed me that they could not restore my account and any funds in the account I should talk to the sender I have tried speaking with the sender they have yet to receive funds from chime its now XXXX again going on a year I havent received my funds from chime I have worked hard for my funds although with this change in my life I no longer have a job or home because of this I have told my landlord I would pay but I couldnt because chime took my money this isnt right now I am sleeping from house to house trying to get back on track I am sick I have gotten my attorney involved but that isnt something that I want to do but they are actually pushing it they dont respond to emails I have two complaints and my attorney is now working on this I dont want to move forward with this lawsuit at all but I have to do whats best for me If chime is willing to open my account back up and let me retrieve my funds I will stop the lawsuit I am putting against them I just need help with getting my funds back chime have no right to closed my account because of a amount that was deposited thats very hurtful
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my investigation back and you stated that you completed a fair investigation and that these accounts are 100 % accurate. 

But can you please answer this one question. How did you investigate these accounts? 

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. 

You were supposed to interview my neighbors and interview my friends. 

Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 
When did you talk to them? 

One more thing can you please tell me how everything is 100 % accurate if these accounts High Balance, the Last verified date, Date Reported, the Date Opened, the Closed Date, the Creditor Type, the Last Payment Date, the Account Type, the Credit Limit, and the Date of Last activity are STILL NOT reporting the same information at all? 

You have violated multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

I demand deletion of the accounts from my credit report. I've listed below : XXXX/XXXX  XXXX XXXX  XXXX XXXX Capital XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these accounts immediately or you will be responsible for {$1000.00} per violation. 

Send me updated credit report with accounts permanently deleted.
Product: Credit card or prepaid card

I received a letter purportedly from XXXX XXXX dated XX/XX/2018 informing me of denial of my credit application for a XXXX Preferred Floor Covering account, as my XXXX credit file was inaccessible. ( It is frozen. ) I have never applied for credit with XXXX XXXX or through XXXX XXXX XXXX. 

I called the number in the letter XXXX and was asked for my social security number to proceed, so I hung up. 

The is no record of this attempted credit application on my XXXX   account.
Product: Credit reporting or other personal consumer reports

Complaint Details : This complaint is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies, including TransUnion, investigate and correct inaccurate information on consumer credit reports. Despite multiple requests, TransUnion has failed to remove fraudulent inquiries from my credit report, and my report continues to reflect addresses and phone numbers that do not belong to me. 

Background of Dispute and Negligence by TransUnion : Due to identity theft, my credit report includes numerous fraudulent inquiries, incorrect addresses, and phone numbers that are not associated with me. I have contacted TransUnion on multiple occasions, provided evidence of my actual contact information, and formally requested that they remove these erroneous entries. I have also submitted the following information to aid in the investigation : My correct phone number : XXXX My correct address : XXXX XXXX XXXX, XXXX, NJ, XXXX My correct email : XXXX Despite my efforts and compliance with TransUnion 's documentation requests, the fraudulent inquiries and incorrect information remain on my report. This negligence has caused severe financial hardship, including denial of a {$25000.00} personal loan from my bank, XXXX XXXX XXXX XXXX, and various car loan applications from other institutions, all of which now reflect on my report as soft inquiries.
Product: Credit card

XXXXXXXX  and XX/XX/year> synchrony bank debited my bank account without authorization. I did not setup automatic payments or authorize them to do this, they have not told me how this was done, I am unable to even access the account they debited this for as my deceased mother was the primary cardholder.
Product: Mortgage

My mortgage company Freedom Mortgage contacted me in XXXX telling me I was eligible for refinancing with them. I refinanced my home XX/XX/21 they collected 11 months in homeowners premiums totaling {$970.00}. On XX/XX/21 I had a water pipe bust in my bathroom causing damage to my living room, dining room and kitchen floor I have black mold everywhere from where the water has been leaking. I contacted my homeowners insurance only to find out that my plan was canceled due to non payment from my mortgage vendor. I pay my payment every month that includes my taxes and insurance. So I contact my mortgage vendor and now they are placing me on Mortgage Forced Insurance? Because they do not know how they forgot to send my homeowners premiums. Everytime I call I get transferred around and no one is trying to help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX under Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Credit reporting agencies have been submitting false information entirely. As of XX/XX/2024, I noticed discrepancies throughout my report. Inaccurate reported has been posted to my account. As I scroll through each account, there are plenty inaccuracies that can not possibly be considered me, such as : address, account balance, phone numbers, and some reports are blank. 

Some of these accounts have been reported in the past, but I never took the time to actually get a copy of my credit report. Documentation such as debt verification and validations have all been mailed through certified mail with a return to sender receipt and nothing has yet to be removed. 

Imaging seeing opportunities that you are ineligible for due to inaccurate documentation. I deserve better, but instead inquiries can pile up if you ever need assistance. Imagine having accounts proven not belonging to you or being inaccurate ; it starts a XXXX and paying debts not needed.
Product: Money transfer, virtual currency, or money service

I sold an item on XXXX. The buyer paid me through PayPal. I then received a fraud email that I believed was from PayPal stating I needed to send the buyer a money request for an additional {$520.00} and after I received that pending amount in my PayPal account. I then needed to turn around and send the buyer the {$520.00} through XXXX app. This would upgrade my PayPal account to a business account then all my funds would be released from the buyer through PayPal. So I followed all instructions. Except my money was not made available any of it. I called PayPal and they didnt send the emails.
Product: Credit card

On XX/XX/2023, I placed an order online with a merchant for {$160.00}. Soon after, I received an email stating that my order was unpaid. I clicked the link on the email to complete my order. I then received an email stating that my order was paid. The following day, I noticed I was charged twice for the same exact order. I tried contacting the company via phone, but they would not return my calls. When I contacted the company via email, they said that two of the same orders were placed. I asked that one of the orders be canceled because I did not need two of the exact same orders. They stated that unfortunately they could not cancel the order at this time. They instructed me to go to my local post office to cancel the package. When I went to the post office, they stated that this [ canceling the package ] is some thing that they could not do, but that the merchant should cancel the package. I contacted the company again via their app to let them know and asked for a refund. I explained that when I received the package, I would return it. The merchant said that I had to pay {$30.00} to return the {$160.00} of items. I explained that this was not my fault, but on fault of the company. I tried again to schedule a " hotline appointment, '' but they never called. They were adamant that I would have to pay {$30.00} to return the second package. 

I contacted Barclays to dispute the charge on XX/XX/XXXX. I did not hear back from Barclays until XX/XX/XXXX when I received a letter in the mail stating that after review they were siding with the merchant. During this time, I was not notified about any information that Barclays may need however, I did try to contact Barclays via phone throughout the process. At no point was I able to speak to someone directly about my open dispute. After the decision of siding with the merchant was made, I sent Barclays back several pieces of evidence that shows the merchant was unwilling to except the return and that they fraudulently charged me for two of the exact same orders. Barclays dispute center only receives information/evidence via mail, which makes it very difficult to immediately hear back from Barclays. On XX/XX/2023, I received another letter from Barclays stating that they again have closed the dispute in favor of the merchant and advised me to contact the merchant directly. I contacted the merchant several times in XXXX and they were unwilling to accept the return. Now it is more than XXXX days since my initial dispute was opened and the merchant has a 30 day return policy. At this point, I am unable to even take a {$30.00} loss. 

Both my husband and I have Barclays Frontier credit cards. We always pay our bills on time and have a revolving credit of several XXXX dollars. I would highly dissuade anyone from opening a frontier credit card as they are unwilling to protect their customers.
Product: Money transfer, virtual currency, or money service

Ive been using my paypal account for selling " XXXX '' on XXXX. I used it for my payment method. But suddenly, My paypal has been permanently limited for no reason. I believe it was a mistake. So I am writing this to consumerfinance to help me escalate this on Paypal. 

my paypal email : XXXX Please see attached files.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX {$9800.00}
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete a remove all inaccurate information that is listed on my credit report. this has been an issue and caused major delays on approvals and denials. none of the accounts listed follow FCRA rules. I am also a victim of identity theft an reported these accounts listed invalid and inaccurate reporting. please review an remove the information on my credit to help clean my file asap.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Wrongful foreclosure after a set aside of forclosore, Judgment of satisfaction made {$00.00} dollar amount owed, No loan with either company,, policy would not allow a loan, Company, for closed evicted me out my home and sold property, XXXX but state they had no sale on property, nor show an actual loan I had with company. Collected money but show no actual collection on a loan I established with bank, Person exclaimed to be working for bank as a lawyer was n't. I received my home back through the village jurisdiction because of the ordinance code and General Warranty Deed XXXX/XXXX/XXXX was evicted by another company XXXX/XXXX/XXXX, Case held set aside.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS REPORTED THE INFORMATION ON MY CREDIT REPORT FOR MONTHS AND THE ACCOUNTS LISTED BELOW DO NOT MATCH THE ACTUAL HISTORY OF MY CREDIT ACCOUNTS. I HAVE COMMUNICATED TO EXPERIAN TO PLEASE REMOVE THESE ACCOUNTS. I INFORMED THEM OF THE ERRORS BELOW IN WRITTEN LETTERS. 


XXXX XXXX Account Number : XXXX You are reporting that there Is a " balance '' of {$760.00} and " Past Due '' amount of {$180.00}. it cant be both. Delete. You also are reporting late payment status is " 150 days late '' but XXXX   shows " 120 days late '' it can not be both AND you also report Late Payment Status is only " 30 days late ( 1 time ) It can not be late 150 days and only have ( 1 ) 30 day late payment at the same time. DELETE Immediately. 


XXXX XXXX XXXXXXXX Account Number : XXXX You are reporting this account has a " past due '' amount and " balance '' but the payment status shows is " charged off ''. It can not be both. You are reporting ( 1 ) 30 day late payment and the other credit reports do not report any late payments. It can not be both. 

XXXX XXXX Account Number : XXXX You report there is a " Past Due and Balance '' of {$11000.00} but this account is " Charged off '' at the same time. it can not be both. You are reporting ( 1 )  30 day late payment but XXXX  shows no late payments. It can not be both. 

XXXX XXXX Account Number : XXXX You are reporting a " balance and past due '' amount of {$1000.00} but this account is " Charged off '' It can not be both. You are reporting ( 1 ) 30 day late payment but the other credit bureaus report 0 late payment status. it can not be both.