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

In XX/XX/XXXX, Wells Fargo updated their system which required you to re-enter your banking information to be able to make a payment towards your auto loan. I did so and submitted my payment due for XX/XX/XXXX. I didn't notice, but the payment never came out of my bank account, despite there being enough in there to cover the payment. I got a call from a Wells Fargo representative in XX/XX/XXXX regarding a missed payment. I spent a good amount of time on the phone with her, to which she admitted there was a system update where they'd heard feedback from customers that it caused an issue, but ultimately it was 100 % on me and I was responsible for any fees incurred, as well as now making a double payment unexpectedly. I advised I wasn't capable of paying a double payment that month and she put me on hold while seeing if they could do anything to work out that " missing '' payment. I stayed on hold for over XXXX minutes and the call was ultimately disconnected suddenly without ever being helped. I work full time and have XXXX children so being tied up on the phone for another XXXX hour plus wasn't an option. I tried via email and texts to get a resolution and never got anywhere. I was charged and paid late fees every single month and carried a balance each month due to the system issue that never actually submitted my payment that I did. Now, the vehicle has been in an accident and my insurance has made their payoff, which had plenty of coverage to cover the balance owed on the vehicle. Due to the fees that have continued to build up each month for over a year with XXXX acceptance of the system issue on Wells Fargo behalf, they are wanting me to pay {$490.00} more to pay the vehicle off for fees that the insurance didn't cover because they are fees. This should have been taken care of to prevent the continuance of fees a year and a half ago, but Wells Fargo has refused to accept any level of liability or even work with me to prevent this situation since XX/XX/XXXX. Even now, they have supposedly escalated my complaint on this issue further and they continue to claim I never had auto payments set up, which I've never claimed to be the case. They are claiming full liability on me and full expectation for me to continue to cover fees I made an attempt to work out with them for the duration of a year and 6 months worth. I paid more than my standard payment each month since this happened to help offset the fees, but they were always higher ( and grew ) than what I was able to pay over since a full payment outstanding carried over each month. I certainly believe the extra I have paid over the lasts year and a half, in addition to the mess Wells Fargo has made of my payment history on my credit is far more than reasonable at this point.
Product: Debt collection

I got a text message for a unknown parking debt the have not even communicated where this came from and they sent a XXXX  via text message with some of my old contact info that is not even active anymore like an old address.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, A 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, A 11. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX
Product: Checking or savings account

For years I paid over draft fee or ATM fees that was supposed to be reimbursed but they were never reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 62XXXX ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Checking or savings account

On XX/XX/XXXX, my Skrill account got restricted after I was using the debit card to make a credit card payment via XXXX bill pay feature. 

I was asked to contact Skrill, which I promptly did and was told I had to wait XXXX hours for the review. It's been over XXXX hours and I'm not given the option to use the account again nor to remove the funds I have on it, which are now withheld there ( {$4100.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled in full with capital one. They filed in court to settle in full and close the case. I have a court document and a settled in full letter and a receipt. They are reporting on my credit report that I owe money. I have requested for a deletion for this reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute was submitted by mail XX/XX/2022 but response was not received. One account with {$0.00} balance has not been updated. Since it has been past the 30 days, the late payment must be removed.
Product: Checking or savings account

Disputing 3 chargers from my cashapp account/card I did not do XXXX  for {$28.00}, XXXX XXXX for {$23.00} and {$33.00} and cashapp hasnt done anything to resolve my issue.
Product: Bank account or service

I had an checking account with Key Bank and i received {$200.00} signup bonus. The account is now closed. I still have n't received XXXX from Key bank. I called Key bank, the agent told me that they do n't have any tax document for me. If i do n't that XXXX, i might be in trouble when i file income tax.
Product: Credit reporting

I was a co-owner of a XXXX. I was bought out contract was developed the contract stated that the new owners would assume all liability for all outstanding debt for all accounts. Two years later I was sued by XXXX for a bill that was not in my name but the account was open by me when I was an owner. 
A judgement rendered against me. I paid the account and a in turn I sued the new owners who did n't fulfill their contract obligation. 
I have a judgement against me although I was out of the business for over two years. 
I have the paperwork to confirm both settlements.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX on XX/XX/XXXX. The lease end term was XX/XX/XXXX. I did file XXXX XXXXXXXX bankruptcy during the term of the lease but the vehicle was not part of the bankruptcy. I still kept up and made all payments. On XX/XX/XXXX I contacted Nissan Motor Acceptance Company to request end of lease documents since i wanted to purchase the vehicle. I was advised i could not receive any since XXXX does not send documents when somebody is in bankruptcy. I was advised to go local dealer to purchase the vehicle. 
I went to 4 local dealers and was advised i could not purchase the car since it was not in their system. I contacted XXXX again and was advised to mail in payment to them. I was advised on payoff amount of XXXX and made the payment. I was received by XXXX on XX/XX/XXXX. 
On XX/XX/XXXX i received a notice from XXXX asking for an additional amount of XXXX and stating my payoff amount could not be approved. The letter had a date of XX/XX/XXXX and asked for payment by XX/XX/XXXX but it was received on XX/XX/XXXX. 
I contacted XXXX and asked again for lease payoff documents and explanation of additional amount, i was advised again i could not receive documents due to bankruptcy and simply advised previous payoff was incorrect and was missing some tax amounts. 
I did not have the fund available right away but i did mail in the full payment of XXXX as requested by XX/XX/XXXX and was received by XXXX on XX/XX/XXXX and cashed on XX/XX/XXXX. 
After this on XX/XX/XXXX i get another notice from XXXX  ( Parent company of XXXX ) stating that they are requesting right to reposes the vehicle and asking for a removal of stay from the bankruptcy court even though they have the money.
Product: Money transfer, virtual currency, or money service

Hi, l am a customer of Coinbase. l always seem to have a problem accessing my money to transfer it to another bitcoin wallet address. For instance, when l had {$1100.00} deposit in my account, the system/payment gateway would tell me l do not have enough money for the {$1000.00} transfer. l would have to wait and try and try again to transfer the {$1000.00}. When it finally allow me to transfer the {$1000.00} it only allowed {$960.00}. l would like the Consumer Financial Protection Bureau to have Coinbase change their payment gateway to one that allow for immediate access to the money in my account.
Product: Credit reporting or other personal consumer reports

There are several inquiries on my credit report that I am unaware of and did not authorize. Please delete these items. 

XX/XX/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
Product: Credit reporting or other personal consumer reports

I recently review my credit report recently and their are two Lates from two different Banks one from XXXX XXXX XXXX and the other XXXX XXXX  consumer reporting agencies need to report with complete accuracy. The accounts have not been late on payments I've have attached a copy of my report to this complaint on the following dates XX/XX/24 on both Banks have reported this in XXXX. XXXX XXXX servicing company for XXXX XXXX has agreed to remove the negative late but has not done so. 
I am now requesting you Investigate and provide verifiable proof with records showing that I had a late payments. If this information can not be verified I demand these payments be updated to paid on time Immediately. 
Thank You for your understanding and Prompt action
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this statement off in XX/XX/XXXX or there about. The account should have been closed. I have no more need for it. It was paid in full. 
XXXX Synchrony bank/Care Credit reported negative reports to the credit bureaus, therefore causing my scores to drop which i am working to build. 

This is erroneous reporting since I had already paid it off and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX a 30 day late was reported to credit bureaus. I am a great person and have gave a ton of service to conns with more than 4 perfect satisfied accounts. I made one mistake 5 years ago and asking to have this reporting removed so I can achieve the American Dream of becoming a first time homeowner and this is preventing me from doing so. I deserve a 2nd chance. its already been 5 years on my credit, please remove 2 years early and help me become a homeowner.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 ( section 6 0 4 section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX ( My Credit Report ) Illegally in two ways shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX on my Credit Report. 

The Company XXXX XXXX XXXX  contacted Equifax electronic to remove this Charge Off Account as past 6 years old per Oregon Collection Laws ORS 12.080 Section 4 -Defined from my Last Payment XX/XX/XXXX per ORS 12.090 Section 1. Amount : XXXXOrginally {$620.00}.  Charges were not proven to me either-no account statement provided either. 

XXXX XXXX XXXX  obeyed the Oregon Collection Laws as I am a resident since XXXX. They contacted each of the three Credit Bureaus and Equifax illegally ignored the request in writing by XXXX XXXX XXXX Electronic to remove the Charge Off Account. 

So I am maintaining they are willfully ignoring Oregon Collection Laws-they are not in sharp contrast to Federal so must obey State Law per 15 USC 1681 Fair Credit Reporting Act. Have delete my collections in 6 years-Oregon Resident! 

How is the collection reporting accurately when XXXX XXXX XXXX  demanded removal of it several months ago. I also followed up with a letter-after XXXX XXXX contacted XXXX XXXX. I do not need to wait 7 years Federal due to Oregon Collection Laws.

Demand Removal oXXXX XXXX XXXX XXXX off my Credit Report-Company asked for it to be removed too!
Product: Checking or savings account

I opened a XXXX  account on XX/XX/XXXX. I tried connecting my checking account but it would not work. Hours later I received a notification to contact support so I did and provided the requested documents to verify my identity. My account was still usable so I made transfers from my XXXX wallet balance to this account periodically as I started setting up my billers to use this account information. In total I deposited {$870.00} to the account. I set up my company 's direct deposit to go into the account as well. On XX/XX/XXXX at XXXX I received an email that stated " Your XXXX  account has been temporarily XXXX ''. I replied to the email with the verification documents requested ( ID, Bank statement, Utility bill, Direct deposit form ). I tried logging into the app and was unable to. I tried calling but their system makes you enter your debit card number to proceed. On XX/XX/XXXX at XXXX I called XXXX and entered my card number in three times until it automatically transferred me to an agent. The agent looked up my account and state that it was closed. I asked for more information and she stated " your account is closed without refund ''. She told me she was going to email higher support. I requested to be transferred to higher support but she did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate. 

I am complaining regarding violations of law by XXXX. 

XXXX reports to my credit file, account number XXXX, and is the furnisher. 

XXXX, and they are reporting the on record til reporting information directly contradicting other data reported for the same issue and falsity reporting that the debt is to be removed from my credit files on the incorrect date of XX/XX/XXXX. 

The evidence being provided to you today is proof beyond a reasonable doubt and admittedly by the creditor as seen in their admission and into entry notes to my credit report verifies the remove from record is XX/XX/XXXX. 

The statement that they provided to you ( see attachment ) claims that the late 30 days initial date of delinquency began XX/XX/XXXX and by their own account, a fact, the expiration of the XXXX rule, would be XX/XX/XXXX. ( Not XX/XX/XXXX as you and the creditor Continue to report inaccurate data The creditor has had also 7 years to get this information right if it were a validated account thus far and the creditor has engaged in other illegal behavior to re-age this account by reporting several months of satisfactory payments to the credit bureaus recently and maliciously and has not yet answered to that complaint. 

XXXX, The creditor, keeps changing dates and reporting fictitious payments to this account to re-age this collection account.! 

Also, XXXX card tried to extort money from me through a collection agency that impersonates a law firm and had that agency send me a letter recently asking for over {$1000.00} more than the debt as listed by them previously.
Product: Debt collection

had a medical debt with dignity health for {$120.00}, finally paid it off but now progressive mgmt systems has damaged my credit score badly as i made payments to solve this debt as i paid the hospital directly instead of going thru progressive mgmt systems & is playing mean with me to damage my score maliciously due to the fact i didn't pay the debt to them but to the hospital!
Product: Credit reporting or other personal consumer reports

I filed reports with the FTC and law enforcement for identity theft. I sent certified mail to XXXX to block all accounts on the report as well as any collections resulting from said accounts. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I ask that XXXX remove these collections from my account within XXXX business days : LVNV Funding LLC XXXX LVNV Funding LLC XXXX LVNV Funding LLC XXXX I never heard of this company nor have I agreed to or entered into any contract with this agency. They fraudulently obtained my information from accounts that were opened as a result of identity theft. Those fraudulent accounts have been removed. I request that pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that this information be removed and blocked from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX This account was paid in full on XX/XX/2022 in the amount of {$1600.00} to XXXX, XXXX and XXXX who represented their company. I received a letter confirming that the account was paid in full but my account has not been updated since XX/XX/2022 on my credit reports. I contacted the creditor directly on XX/XX/2022 and was told that my account was sold to XXXX and given the phone number of XXXX. I immediately called the number and was told that the account had not been sold but they represented XXXX XXXX XXXX and confirmed via phone that the account in fact had been paid in full. I was told that they passed that information onto their client and would have them to call me back to let me know when my credit report would be updated. Today is XX/XX/2022 and I still haven't heard back from XXXX XXXX XXXX. 

I'm frustrated because after experiencing financial hardship I finally was able to take care of the account yet my efforts is still not reflected on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXXXXXX XXXX XXXXXXXX Account # 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 an account without my writte
n instructions.
Product: Mortgage

My mortgage was transferred on XX/XX/XXXX to a new processor. My payment instructions paid the mortgage in full ( {$1500.00} ) and had a separate additional principal curtailment payment ( {$1500.00} ). 

Both payments were applied to my loan as regular payments, meaning the principal payment was not applied to the outstanding principal in whole, but instead interest and escrow were taken from it. 

I contacted Crosscountry on XX/XX/XXXX and their front line support did not understand the problem. 
I then filed an official notice of error on XX/XX/XXXX and they responded on XX/XX/XXXX that the payment would be fixed and reapplied as a curtailment. 

On XX/XX/XXXX the additional principal payment was fixed correctly. 

On XX/XX/XXXX, they reversed the payment and moved it to an unapplied forbearance account. 

On XX/XX/XXXX they used the forbearance account to pre-pay the next month instead of as a principal curtailment. Essentially reversing the remedy from their notice of error response. 

On XX/XX/XXXX I've filled a second notice of error with them. 

I have paid the monthly regular payments in full each month on time. They are misapplying principal curtailment payments as regular monthly payments.
Product: Money transfer, virtual currency, or money service

Basically I was scammed out of XXXX thru XXXX by a scammer!! BOA wouldnt give me my money back when I desperately needed it most!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point I feel like I've been getting taken advantage of by the credit bureaus. On XX/XX/XXXX I noticed additional addresses on my credit report so I sent in a letter requesting all inaccurate names and addresses be removed. Now four whole months later the names and addresses are still there. Now fast forward it to XX/XX/XXXX, I sent a letter regarding more inaccurate and unknown things on my credit report but to this day over 60 days later I haven't seen a response. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They did not do this so I had to send in a complaint to CFPB and it was only after that complaint that I even got a response at all, but they responded with some type of response saying they don't think it was me and they need a copy of my drivers license. This is ridiculous because as I previously stated I sent a letter in May asking for them to remove all names and addresses that weren't included on my drivers license, so clearly they've had my drivers license ( and I sent a copy of my social security card also ) since May. I demand that these accounts be deleted immediately or I will have to file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach so my information was probably put in the wrong hands. Hopefully it won't take another 120 days that they'll take advantage of me again.
Product: Consumer Loan

Chapter XXXX Bankruptcy discharged in XXXX but still reported as a charge off, open and derogatory on XXXX and XXXX. Have disputed several times but they just do n't understand FCRA RULES! Now the company website says permanently closed and they do not respond to disputes.