23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has me locked out of there system which I have the right to see and try to correct any wrong information on mine credit report. 

XXXX just sold XXXX student loans the end of XXXX that is world news they have reported on my credit report since XXXX? I want my points and this problem fixed. 

Experian is requesting id bank state or other documents to verify address no utilities bills because I am XXXX, fix it.
Product: Debt collection

I received notice from XXXX debt collection for a XXXX XXXX Credit Card. I asked on several occasions for proof showing that I opened this account, since XXXX stated it was opened XX/XX/XXXX with First National Bank of Omaha. FNBO, stated last payment was received XX/XX/XXXX and charged off the account on XX/XX/XXXX. NOTE : Statute of Limitations started in the month of XX/XX/XXXX, when payment wasn't supposedly received. I called FNBO to request a copy of the original written contract, to prove this was my account. FNBO stated they had no record. FNBO sold the account to XXXX XXXX XXXX XXXX. XXXX on or about XX/XX/XXXX, and on that same date XXXX assigned it to XXXX. My complaint is if the account was in the hands of FNBO until XX/XX/XXXX why am I unable to get a copy of the written contract. XXXX have supplied me with bills, but in this day and age anything can be forged. Especially with my information being compromised through the XXXXXXXX XXXX XXXX XXXX on several occasions, and most recently Great Expressions. I did have a XXXXXXXX XXXX account around XXXX and it went in charge off status not long after. My request is for XXXX or FNBO to provide me with a copy of the original contract.to prove this is my account.
Product: Vehicle loan or lease

In XXXX I certified mailed a dispute letter to Capital One Auto Finance to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports. The only response I got was from them mailing a copy of statements. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond with court approved documentation within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and XXXX  hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.
Product: Money transfer, virtual currency, or money service

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference ID : XXXX Business Information : XXXX XXXX XXXX PayPal XXXX XXXX XXXX
Product: Checking or savings account

Background : I have been dealing with the repair of a roof leak that caused major damage to my living room and XXXX of my kids bedroom. I sent money through XXXX to the first contractor for the roof in 5 payments in the last month ( I asked wells fargo if this had an affect they said it shouldn't have ). Yesterday I added a new recipient my and Wells Fargo did not let me send the allotted daily amount of XXXX to my tile installer who was replacing moldy carpet for my displaced children. I called them this morning to ask them to please send the allotted daily amount for yesterday and less than the allotted amount today ( for a total of XXXX but would have been no more than XXXX. I called at XXXX a.m. to tell them that I needed the money for my housing needs during a catastrophic event and mind you I have more than XXXX figures in my accounts. Both the employee and supervisor I have one of their names denied the request. 

I told them during the XXXX XXXX. phone call that if they do not let me manage my money and I had to go down to the bank, I was going to demand all my money and that I didn't want to deal with the delay tactics they always pull. I tried to pull my money out with them a few years back for something mundane they wouldn't do. I go at XXXX XXXX XXXX. to the bank and I have the banker helping on the line. While the cashier did comply, I got the same tactics as before from three to four different people a gentleman telling me it wouldn't be safe to leave with that amount of money. They wouldn't transfer they wouldn't my money they wouldn't close the accounts. I had to ask twenty questions to and finally say okay fine leave a dollar in my account for each account. 

I'm complaining because as a woman, maybe also as a XXXX woman, I wasn't allowed to cover my basic housing needs for reasonable amount to cover home repairs. this is discriminatory retaliatory and .. You can imagine my surprise and I get home and this XXXX couple from XXXX XXXX was allowed to transfer XXXX ( I have a lot of more than that to a scammer ) via XXXX. 

https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a hard inquiry on my credit report from XXXX XXXX  XXXX today XXXX-17. I DID NOT authorize this. The address on file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX. I called the phone number XXXX and it gives you some option but it ended up giving you a busy signal.
Product: Vehicle loan or lease

XXXX XXXX, left us uncovered by XXXX after transferring loan. They also reported that I owe more. And I do not. This has been an absolute nightmare for me and my family. Especially since I was rear ended during all of this. What are we supposed to do. The company Westlake that took over the loans are no help at all. So, they can just transfer the loan and leave us hanging. It is really upsetting. The contracts should be void and we should not be responsible for their error. And we should be compensated..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$91.00} XXXX  XXXX Balance {$130.00} XXXX XXXX Balance {$42.00} Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

This debt is not mine I have been in touch with the company through XXXX XXXX and the debt is still showing on my credit report. I am XXXX XXXX XXXX XXXX, I am a veteran and I have my own medical insurance. 

I did not call any ambulance to transport me t o any hospital. This collection agency did not even try to contact me before they placed this damaging collection account on my credit report. There was no verification if they even had the right person and they dont appear to be in any hurry to correct it. 




WAKEFIELD AND ASSOCI Last reported XX/XX/2021 {$1700.00} Open balance XXXX  XXXX XXXX Original creditor XXXX  Opened XX/XX/2021 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes- reinvestigation in progress Original creditor name XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$29000.00} XXXX  - XXXX - XX/XX/XXXX - {$180.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting

Equifax has failed to cease reporting the inaccurate information on my report noted below. I have filed numerous disputes, notified the creditors, hired a credit agency to assist me to no avail. 
1. XXXX XXXX XXXX is being reported by Equifax as charged off, this is not my debt. 
2. XXXX XXXX XXXX is being reported by Equifax as charged off, Potentially negative this is not my debt. 
4. Inquiries on my report were unauthorized : Power Pay, XXXX XXXX, XXXX, XXXX
Product: Mortgage

I am extremely disturbed with US Bank because they done everything in their power to not settle wit me. I wired {$19000.00} to US Bank on XX/XX/XXXX and was promised a settlement to satisfy my debt, however for a whole year US Bank was holding my money and was never applied to my loan. To make matters worse US Bank continued charging me interest on the {$89000.00} and late fees despite receiving my {$19000.00} on XXXX XXXX, XXXX. They misled me to believe through a recorded call that I was going to received through mail my settlement but that never happened. Instead they XXXX by just deducting {$18000.00}. from the {$89000.00}. Also after US Bank confirmed that they had received the {$19000.00} I was asked to pay an additional XXXX on XXXX XXXX, XXXX and another {$300.00} on XXXX XXXX, XXXX. According to US Bank it was for all the fees and cost still pending from my settlement documents. I am livid because they kept prolonging my paperwork settlement after I had explained and provided proof to them in regards to the money I had send them. US bank knew the money came from the severance package my husband received due to his work injury and his new income was only going to be XXXX % of what he used to maker. Moreover, they knew my home was underwater therefore I was unable to refinance to combine both of my loans which is why they decided to settle the debt with me for {$19000.00}. I am asking for justice and help a\because they fought and deny I had made the XXXX despite making it in they branch. Finally, they applied it because I mention I would be filing this complaint but still did not settle the account. Please help me get this straighten out because they already have all the money I had saved.
Product: Debt collection

I was sued by portfolio recovery for {$1500.00} and the case was dismissed in a court of law and they refuse to remove it from my credit report
Product: Checking or savings account

I revoked authorization and canceled Auto pay and my account was still charged after I was ensured that I wouldnt be charged automatically moving forward. I did a dispute with Wells Fargo due to the company not responding or providing a resolution and Wells Fargo denied my claim. Due to me not authorizing anything coming out of my account I feel that this denial is invalid.
Product: Mortgage

On XX/XX/2023 I submitted an inquiry to PNC Bank on our HELOC regarding the payoff amount for our loan. I received a figure that was good for that day and I subsequently paid the amount shown, {$61000.00}. To my surprise, this created a credit on the account in the amount of {$110.00}. I waited over XXXX months and the credit never went away so I wrote a check against the account for that exact figure, {$110.00} to XXXX  out the balance. 

About a week later I received a check ( advance ) from PNC for {$110.00}. I did not cash the check and called them to instruct them to stop payment. I was told it would be handled but could take up to XXXX  days! In the meantime, PNC was charging me interest on the {$110.00} even though I never cashed the check. Some weeks went by and I started to receive late payment notices, calls from debt collectors, so I called PNC again to determine the status and they had no record of my previous call or instruction to stop payment. 

At this time I asked for a supervisor to and of course none were available. The next day I got a call from an individual name XXXX who told me he would handle the stop payment and assured me nothing would be reported on my credit or go to collections. 

XXXX was able to stop the payment ; however, the interest that accrued on the check I never cashed was not waived and I waited another month anticipating that would go away as there was never actually a balance in the account to accrue interest on. 

Fast forward to a couple of weeks ago and now my balance continues to grow and I am being assessed late payment penalties. I have given up on PNC to correct the issue so I pay the balance due ( total balance outstanding ) of {$1.00}. It's not much but I don't actually owe them that. 

After the payment clears I check back and somehow I owe an additional {$.00}. Frustrated, I go online to make another payment and I can't. I can not make a payment less than {$1.00} nor can I schedule to pay the balance due, the website simply doesnt allow me to. 

I call again, ask the lady to waive my balance of {$.00} so this can go away. She happily submits the request and told me it will take up to XXXX business days to process. We are now sitting at XXXX business days still with no resolution and more late payment notices. 

Finally, I check online today and the balance of {$.00} is still there, so for the heck of it I check the payoff amount and its {$100.00}! Why? If this isnt fraud I dont know what is. I am not closing the account merely paying off the balance and I only owe {$.00}. At this point they have given me incorrect payoff amounts, sat on my money for over 2 months, charged me interest on checks they sent me I never requested or cashed, and continue to assess late fees and penalties for money I don't owe them. The kicker is I've called them at least XXXX times and no one can resolve this for me.
Product: Consumer Loan

I sold my car back to VW as part of the diesel settlement. The car was financed with VW Credit and when I sold the car back on XX/XX/XXXX, they only gave me credit for the payoff amount as of XX/XX/XXXX, when the buyback was approved. I was told VW Credit would refund the difference to me once paid off. 
VW Credit is delaying sending me back the over payoff of the loan. They first are saying they did not get the funds from VW corporate to XX/XX/XXXX, 14 days after car was sold back to them. They are now stating they need 17 days to allow their internal transfer to " clear ''. They are stating even after the transfer " clears '', they will take 2-5 days to issue a check and another 7-10 days to mail the check to me.
Product: Credit reporting, credit repair services, 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. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 5XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report.