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

Should not be included in my credit report is an more than 7 year account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

I have talked to 7 Venmo agents since 4 weeks ago trying to get my XXXX XXXX XXXX claim back and Venmo is telling me I need to verify my ID and then it errors out. Venmo support directs me turn off my phone, delete the app. All the normal stuff that ends up not working and no one gives an answer. Just the answer of well I upgraded this to software engineer team. 7 support agents told me this and nothing has been done in 4 weeks. Thousands of dollars missing from my hands because of Venmo
Product: Money transfer, virtual currency, or money service

Hey I deposited money to my robinhood account & they restricted my account after I verified all of my correct documents & they are holding on to my money.
Product: Money transfer, virtual currency, or money service

I run a company that sells hand held XXXX. We are a legit company, paypal initially asked us to submit documents and I submitted every single document request on top of being in call with support for multiple days asking if the documents I sent were to their satisfaction and if there's anything else for me to do. They agreed on call and after a few days I got a permanent limitation in my account for breaking user agreement. I then called paypal the lady on the phone was dismissive and rude saying nope there's nothing you can do and just read through the user agreement guidelines and see what you did wrong. We send the guidelines to our lawyer and went through what happened and they said it was unreasonable for paypal to do that to us. We have almost {$500000.00} held by them. We also talk and handle ALL customer disputes with our customer care team and more often than not send refunds for every customer.
Product: Debt collection

On XX/XX/XXXX my husband and I refinanced a motorhome with XXXX XXXX XXXX.for the amount of {$97000.00}. Soon after, XXXX sold our loan to XXXX XXXX XXXX XXXX. My husband and I divorced in XXXX XXXX, and in our formal marital settlement agreement he kept the motorhome and XXXX XXXX XXXX XXXX took an active role in changing the registration and title into his name only. However, my online access to the account remained active, and I saw that for XXXX XXXX years there was never a missed or late payment. 
Suddenly in XX/XX/XXXX, I received an alert on XXXX XXXX of derogatory information on my credit report. I investigated enough to find out that XXXX XXXX XXXX XXXX indicated a default and repossession. I was shocked, as the payments were still completely up to date. I can not be in communication with my ex-husband for my own safety, so I attempted to get information from XXXX XXXX XXXX XXXX, who at first would not give me any information. After numerous attempts, I finally reached someone who advised me that the motorhome was repossessed and had already gone to auction! I asked why I was never advised before this happened, and they claimed they didn't have my information. This is clearly a lie, as every document they produced had my correct address, and they also verified a correct phone. They then told me they would send me an explanation of deficiency when it was prepared. I advised that I would have taken over the payments to keep the motorhome, had I been contacted, but it was now too late. 
I never heard any more from XXXX XXXX XXXX XXXX, but on XX/XX/XXXX, I received a demand letter for {$33000.00} from MS Services, a collection agency. When I wrote back to MS , requesting evidence of this debt, I was sent documentation indicating that XXXX XXXX XXXX XXXX basically " gave away '' this {$60000.00} motorhome at auction for {$26000.00}, and now will sue me for the {$33000.00} balance owed. In that same documentation, XXXX XXXX XXXX XXXX indicated my correct address on every page, yet they mailed both the Notice of Plan to Sell Property and the Explanation of Deficiency and Demand for Payment to some PO Box in XXXX, Florida. I never received any information on this, yet the collection agency seemed to find my correct address with no problem. 
I am a XXXX XXXX  on social security now being victimized by this bank, who sold this property they claim is my responsibility without allowing me the opportunity to claim it, and now is demanding tens of thousands of dollars for something I can not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Debt collection

I have an unverified account from CAPITAL ONE BANK. I had previously disputed this account. I have never done business with CAPITAL ONE BANK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAPITAL ONE BANK Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAPITAL ONE BANK Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by Equifax and XXXX..I requested for an investigation because the account XXXX XXXX XXXX, XXXX XXXX, XXXX, I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

I reported an identity theft back in XXXX since then I noticed a charge off on my credit for a vehicle not purchased or authorized by me. I have filed several reports with all three credit bureaus to have this derogatory account removed and to date in XXXX they still have refused to remove this account. I am once again asking that this account be removed from my credit report on all three bureaus it has been investigated as an identity theft I have attached police reports as well as other identity theft reports. I need for this to be removed immediately in the interest of my job. I can not have derogatory marks of any kind on my credit. The name of the Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I also have several incorrect spelling of my name names that I've never used and addresses that are incorrect that I am also listing below. The addresses and names listed below are incorrect, and should be removed from my credit report : 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, credit repair services, or other personal consumer reports

I had a small issue with my bank and my car payments made to XXXX were refunded to me over a three month period. XXXX reached out to me and made me aware of this and I immediately paid them back what was taken from them. They ensured me over a recorded line they would not hurt my credit since they got their money back within 48 hours of notifying me. XXXX then destroyed my credit report and maked me as 90 days past due. I was never past due, I paid all my payments on time and when the little hiccup happened I got their money right back to them asap. Now my credit score has dropped XXXX points and I cant even use my credit anymore due to them falsely reported things late after one of their reps even promised me that wouldn't happen or be the case. 
So within 3 days of the incident after I was notified they were paid.
Product: Debt collection

XX/XX/2021 I called DIVERSIFIED ADJ SVC at XXXX around XXXX My call was to settle a debt that I did not know I owed. 

The person I spoke to verified my information and pulled up my collection. 
I told them I wanted to settle with a pay to delete agreement. 
That's when this guy got loud, hateful and wouldn't let me talk. 
He kept repeating that I will not receive anything from them that has my balance or an agreement to pay to delete. They will only take full payment today without anything stating I owe the debt. Then he starts calling me a liar and saying I am, in his words " XXXX XXXX XXXX '' then hangs up on me after I cut him off from this very aggressive conversation that he turned it into and said " how am I XXXX XXXX XXXX, I didn't even know I had this debt '' he hung up on me. 

I called back and spoke to another person who refused to let me talk and then started asking for my attorney information. I disconnected the call at that moment. 

I was simply trying to pay a debt with an agreement in some type of writing with my balance I owe ( not paid ) and that when it is paid the debt will either be removed or updated with a XXXX balance. 

Debt collectors like this makes it hard for people to get out of debt. They only want to bully us and when they don't get their way the get rude and hang up.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX  - XX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Mortgage

I was in process of refinancing my home I was approved and ready to close XXXX XXXX. I got a call from XXXX XXXX ( home loan mortgage consulten XXXXfrom Wellsfargo ) saying he could get me a better rate if I stay with wellsfargo. I agree to stay with wellsfargo but I didnt want to pay for a another appraisal. XXXX XXXX told me he would pay for the appraisal when we close on the house, Month went by and I get a call from him telling me I could only get approved on a 6 % rate not on a 3.875 which we agree in the first place. I wouldve not chance my mind if he didnt lie to me and told me he was able to pay for the appraisal and give me a better rate. It was very stressful and I lost XXXX dollars and I was not able to refinance my home after months and months of waiting. He was no were to be reach and did not return my money for the appraisal. I believe Wellsfargo took advantage of me and my family.
Product: Credit reporting or other personal consumer reports

As a loyal customer, I have always strived to maintain a good standing with my mortgage provider. Prior to PNC bank acquiring my loan I have never been late paying my mortgages. However, I recently discovered that a late payment was reported on my credit report. After reviewing my account, I believe this was an oversight caused by the lack of an online autopay option in your payment system, which I have always relied upon with other service providers to ensure timely payments. 
PNC process for setting up autopayment was archaic and overly cumbersome to setup. It required me to ( 1 ) call customer service ( 2 ) customer service needed to email me a password protected form WITHOUT the password ( 3 ) a separate customer service representative would call at a later time to verbally give me the password. ( 4 ) The password verbally communicated was valid for a short period of time. ( 5 ) If the password wasnt used within the allowed time frame, the process needed to be repeated all over again. ( 6 ) once the form was unlocked, it needed to be printed ( 7 ) completed and signed by hand ( 8 ) them mailed back to PNC Bank. This made it extremely difficult for me to set up autopay, which I heavily rely on to maintain timely payments of all my bills.

PNC Banks online payment system allowed me to store my payment account to make one-time payments and schedule a payment but had NO autopay option. My previous and other mortgage provider ( XXXX XXXX ) has an online autopay setup option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times I have requested to have every piece of information investigated and verified on this account ( XXXX XXXXXXXX ). ( XXXX XXXX XXXX XXXXXXXX ) According to the FCRA XXXX the term " investigative consumer report '' means a consumer report or portion thereof in which information of a consumer 's character, general reputation, personal characteristics, or mo

de of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he/she is acquainted or who may have knowledge concerning any such items of information. I have received responses that the account is verified, but how is that possible if every piece of info on this account is not reported accurately? Clearly, according to the law, a proper investigation has not been completed. According to the FCEA 15 USC 1681, everything has to be 100 % accurate. I have attached updated reports ( after being told that everything is verified/accurate ) showing that that is in fact not the case, things are still being reported inaccurately, so clearly a proper investigation w
as not completed. 

accounts : ( XXXX XXXX ). 
( XXXX XXXX XXXX  XXXX )
Product: Debt collection

On XX/XX/2018 we contacted XXXX 's XXXX about a past due bill. They directed us to Transworld System. We called and asked what was the amount we needed to pay to pay this account in full. We were told to pay {$660.00} to pay this account in full, that they could waive a {$100.00} off. We gave our credit card info and paid the amount. Not more than 10 minutes later, the representative called us back and stated that she did not have the authority to waive the {$100.00} and our account was NOT paid in full and we needed to pay it. I asked to speak to a supervisor and was put in touch with XXXX XXXX collections supervisor. I stated that I thought it was illegal to tell us the account was paid in full and then to call back and demand more money. When I threatened to file a complaint she said that the money would be waived. Now I find that she did not waive the XXXX and that our credit bureau account reflects that we failed to pay in full. When I called on XX/XX/XXXX looking for the letter that was promised, I was told the account was paid in full and the letter was on it's way. Today, I checked our credit and find that they lied and we still owe the {$100.00}!
Product: Vehicle loan or lease

My XXXX XXXX XXXX XXXX was bought back as a lemon. 

Chrysler Capital Account Number : XXXX XXXX ( parent company of XXXX ), sent a check to Chrysler Capital for the agreed upon amount of {$46000.00}. This was to buyout my lease. This was settled with my attorney XXXX XXXX. 

At the time the payoff check ( from FCA ) was received on XX/XX/XXXX by Chrysler Capital, my buyout cost was {$45000.00}. See attachment for " Total amount due ''. 

This meant the overage was due to me of {$1200.00}. This was received and I did cash this check, I cashed this check on XX/XX/XXXX. 

After my account was settled in a full, an automatic payment was sent from my bank account on XX/XX/XXXX for {$570.00}. This overpayment as STILL not been returned. 

Chrysler Capital is claiming that the buyout ( overage ) refund of {$1200.00} included my overpayment of {$570.00}. This is not true, my automatic payment that was sent on XX/XX/XXXX has still not been refunded. 

I would like this payment returned to me. Thank you
Product: Vehicle loan or lease

I purchased a used car from US auto. The company now managing US Auto is Westlake Financial at XXXX XXXX. US auto sold me a car with a faulty engine. I went without a vehicle nearly 5 months while they claimed to be making repairs. After the repairs were complete they illegally took the car due to the upgrades. I had a lawyer working on this case the entire time so they released the car to me for $ XXXX and claimed to be paid in full. A month or so later US Auto completely shut down. I tried to find out who to talk to etc in ref to my vehicle to get the title, I got no one. There is no contract on this vehicle at all. I was released the vehicle at a tow yard in South Carolina after I paid the XXXX. Now over a year later I was in a car accident. The vehicle was on side of XXXX and they illegally took it into their possession asking for the same amount of money of XXXX for the release of title. This exact conversation happened months back. This time I requested the information in writing as they didnt provide previously. I really need help. There is already a lawsuit against this company about the same issues. I am alone in XXXX with my daughters and I need my transportation. This was cold and unjust and their finance company is wrongfully handling their affairs. All I want is my vehicle back in which they should not had taken away from me. Please help. US auto should not be able to do this to unexpecting individuals as myself. They have really ruined the last couple of years of my life due to unprofessionalism. All of my personal items are in my vehicle. This is THEFT! I want my car and belongings asap. 
The attorney familiar with this case is XXXX XXXX at XXXX XXXX XXXX. Her email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have old addresses that needs to be removed that doesnt correspond to my current address and I've attempted to reach out to the three burues to have these removed and no luck
Product: Checking or savings account

On XX/XX/year> Cashapp allowed an transaction for {$150.00}, I reached out to Cashapp to dispute the transaction, they denied it stating they recieved proof that I made the transaction. Now I received notification from Cashapp asking if it was me making this purchase, I denied it, they still approved the purchase. I reached out the company and they told me to dispute the transaction with my bank. This is not the first time Cashapp is allowing transaction after I declined that it's not me making the purchase. There is someone name XXXX that has taken many {$30.00} out my account and I dispute and Cashapp allow the purchase.