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

i purchased a vehicle from westlake financial i paid all but XXXX and they know i get paid on the XX/XX/XXXX of the month i am on retirement they call my house 20 times a day sometimes they hang up and sometimes they disconnect calls and argue over XXXX which i told them would be paid the XXXX of the month every month they called my house again at XXXX XXXX   waking upo the grandkids and they call right up to XXXX XXXX my time isnt that way to late to call. i want it to stop stop harrassing me over XXXX and i told them the XXXX of everymonth it is paid not my fault my bank sends them out the XXXX of the month. i pay all bills with online banking they get notified of the payment and have not called me til recently and frequently during the day it needs to stop. the car i got was a lemon i paid XXXX for a car that cost me close to 5000 to repair and to my surprise there warranty is not valid it doesnt cover anything and they new this car was in a flood and the back frame fell off the truck when my kids were driving the car there lucky it didnt cause an accident. stay away from XXXX XXXX  in XXXX  XXXX  and do not ever go thru westlake financial both rip offs
Product: Debt collection

On XX/XX/XXXX I reached out to original debtor pediatric anesthesia associates to advise that they were submitting the claim incorrectly and to resubmit claim with proper billing code. I also reached back out to XXXX the insurer to advise that I was having issues with the company not submitting the claim correctly. Claim was to be resubmitted by XXXX which I was unaware that it never happened. I started receiving phone calls everyday from GLA stating that I owed for a claim that was never submitted correctly. I received a summons XX/XX/XXXX filed XX/XX/XXXX stating they would garish my pay. XXXX finally resubmitted the claim themselves XX/XX/XXXX and paid claim in full. XXXX also reached out GLA and pediatric anesthesia associates to advise the claim was paid in full. GLA is still reporting the paid claim on my credit report and trying to collect full amount. I have disputed collection on XX/XX/XXXX and XX/XX/XXXX both investigation came back from credit bureaus that the amount GLA is reporting for collections is accurate and still owed even though I have submitted the EOB that shows claim was resubmitted and paid in full by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have never been late with this company. I have tried to make payments for the whole month of XXXX and XXXX and received errors when trying to make the payments. XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX : Dear Sir or Madam/To Whom It May Concern, On I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items I am disputing. Sunbit is 30 days late. Please remove this asap. Your website and app have prevented me from making a payment in XXXX and XXXX and XXXX. see the attachment I got this same error in XXXX and XXXX and XXXX
Product: Checking or savings account

XXXX XXXX  charged me money and did not give me anything back when I wanted to pay my cards I did not have the funds I had to pay me. They declined the payment but when I checked my bank I noticed that they took all the funds out of my checking account. I spoke with my bank and also went to the store without receiving any solution from either side. The transaction was {$2100.00}. This problem began on XX/XX/year>. The bank filed a claim, they gave me a credit and on XX/XX/XXXX they took the aforementioned amount again. I spoke with the bank. What they do is make claims without giving me a solution. There are already 3 claims and I went to XXXX XXXX and they tell me that no transaction appears in their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX Transunion LLC XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Mortgage

My mortgage company is Bayview Loan Servicing LLC.. My mortgage was sold to them I did not choose them. I received a letter or multiple letters saying I should get my own homeowners insurance I would probably have better coverage as I was enrolled in their Lender funded homeowners which only covered the structure and nothing else. I went to XXXX XXXX in the last week of XX/XX/XXXX got my own homeowners. I put XXXX down and have XXXX a month note. Bayview was sent the declaration page to prove I have XXXX worth of homeowners. Because Bayview had screwed me in the past I called on XX/XX/XXXX to inquire on the status of removing me from lender funded insurance. Needless to say Bayview representatives didn't have any idea what I was talking about. So XXXX at XXXX XXXX contacted Bayview talked to a XXXX and emailed and mailed all the documents again proving I had homeowners. XXXX XXXX is a subsidiary of XXXX XXXX and holds my homeowners policy. Bayview sent a XXXX check to XXXX XXXX, XXXX XXXX returned that check to Bayview. Low and behold my house note instead of decreasing has increased XXXX. My question is Bayview threw my escrow into the red by XXXX, where is the XXXX check that XXXX XXXX returned to Bayview. Did someone put it in their wallet. Also afer all this I was told to write a letter explaining that I had procured my own homeowners therefore there was no need to escrow the insurance. Finally after months I was told they were not going to stop the deducting escrow for insurance and for me to stop paying it. Really!!!!! funny nobody mentioned that in XXXX. The extra XXXX a month sure sounds like a percentage of XXXX dollars that was returned to them in XXXX. So if they took XXXX out of escrow and threw me in the red what did they do with the XXXX check when they received it from XXXX XXXX and it has been confirmed they received that check. Personally I think they are the most unscrupulous slimy crooks in existence. I can go on and on but don't want to write a novel. Thank you. I can get documents from XXXX XXXX and XXXX XXXX. I am XXXX and on XXXX.
Product: Mortgage

Wells Fargo was contacted via the title company late XXXX for information regarding my current loan and a payoff amount. I am selling my home. Wells Fargo was made aware of this late XXXX. The title company then reached out to me mid XXXX to inform me that after contacting Wells Fargo to finalize details to pay off the loan that WF was transferring the loan to another party XX/XX/XXXX. 

I contacted WF as they would not provide my realtor nor the title company with further information or possible ways to resolve the issue. At this time I had not yet been notified regarding the transfer. I asked WF for a 24 hour delay as the payment was going to be submitted overnight the XXXX and received the XXXX of XXXX. They declined. They stated the check would bounce back and the buyer would need to wait 4-5 days before resubmitting to the new loan holder and that the pay off amount could change. 

I then asked when was I notified for this change, they informed me that hard mail was sent out on the XXXX ( received and dated the XXXX ). I have been checking my mail regularly and only received their notice yesterday. This falls short of the 30 day window to inform me of change in lender and has resulted in changes to the sale of my home. 

An email was sent to me regarding the transfer of the loan XX/XX/. 
Further documentation can be provided on request
Product: Debt collection

I am receiving around 10+ calls per day from Discover Financial in an attempt to collect a debt. The calls are robo calls and when I check my voicemails the recording states, " Please hold on the line while we connect you to a representative. I have communicated with Discover several times trying to work out payment plans but keep getting all of these robo calls ever day.
Product: Student loan

In XX/XX/year>, I called MOHELA to check the status of my PSLF. After a long conversation the servicer asked if I wanted to file paperwork to receive a refund for any payments made during COVID forbearance period. I said yes and we went through the process over the phone. I called back several times between XXXX and XXXX. On one of the phone calls, it was discovered the paperwork was never filed, on another phone call, it was shown that it was filed incorrectly. Finally in early XXXX, I saw the balance of my MOHELA accounts increase by the expected loan amount, {$35000.00}. I called back on XX/XX/XXXX to ask about the timeline for receiving the refund check. They said everything had been already been sent out and I need to wait XXXX business days. In XXXX, I called again and the servicer told me the paperwork had been filed on XX/XX/XXXX ( while i was on the phone with them and they told me everything had been filed ) and that I just needed to wait XXXX business days. At this point she says that a check had been mailed according to my account. I call back again in XXXX, servicer says there is no record of a check being mailed, but that the paperwork had been filed. We are now well beyond XXXX business days. My loan has been increased by a value of $ XXXX since XX/XX/XXXX and interest continues to accumulate. However, I have not received any refund check or any assurances that this is being handled correctly. It has been over a year since the initial paperwork has been filed and 6 months with the updated, interest-accruing loan balance. 
I want my check.
Product: Mortgage

In XXXX of XXXXmy banking collapsed at Wells Fargo BANK , N.A . XXXX. $ XXXX account went missing, along with a $ XXXX savings account. The cash was with Wells Fargo XXXX, brokerage but was purposely left uninvested. I had the SAME trouble in XXXX with XXXX XXXX XXXX XXXXredit Line, whereby 4 trusts and 3 generations worth of stocks and bonds were lost/stolen/taken away : Identity theft and Fraud.

I went to make a deposit for {$2000.00}. that would have made my checking {$15000.00}. 
The card came back, the check did not and the receipt showed - {$180.00} ... .All my accounts XXXX  out and the bank closed my accounts, and there is no resolution in 3 years! 
The bank settles all of my presentments in the CREDIT LINE account to be able to trade the sizable deposit. Except, before the year is out I spent more than the credit line so the bank wiped out all my accounts and took all the money and has not responded with a correction or a credit, and has denied my request for a loan or credit, and has stopped commerce and recklessly caused me to sell ( my FARM the first time ) my house, while holding 25 accounts in my name, trust or interest with my equity and without correct performance. 
In the case of XXXX, the Credit Line was for {$900000.00}. WHERE NO DEBT EXISTED. The 3 or so payments I made to the line of credit in 9 years were either not endorsed for the proper credit and stolen, or the bank simply traded the amounts, but holding my stocks in my 4 trust accounts as collateral is fraud : My signature creates the Article-9-Security from the loan/credit application, which is the money and the security, traded, with a cusip number... So my assets were unlawfully converted and my equity divested unlawfully.
Product: Debt collection

I got repeated calls to my cell two days in a row. I asked them to mail me a letter never received one. I never got a letter for my 30 days right to dispute. They simply placed the collections on my credit reports without sending a right to dispute letter violating the fair debt collection law. They also have an account that is currently involved in a lawsuit for a car accident and settlement is set for XX/XX/XXXX. This account should not be on my credit reports at all
Product: Vehicle loan or lease

Mechanical issues with this vehicle started at XXXX miles ( XXXX ). I reported the issue to the NJ XXXX, GM and GM Financial who financed the lease. I have repeatedly returned the vehicle for service to the dealer to address the issue, which appears to be electrical or computer related. The issues experienced could jeopardize my safety, since the car stalls at random, which could place me in a very dangerous situation on a highway or at a busy intersection. The lease agreement is for 48 months commencing on XX/XX/XXXX, and I have repeatedly requested GM to either replace or release me from the existing lease obligation, which they refuse to do. The end date is XX/XX/XXXX. I have all receipts in date order and can provide all information required to support my case. The most recent incident with the car occurred on XX/XX/XXXX, where the car stalled yet again while out on errands. The car currently has 46,000 miles, of which approximately 1,000 miles have been placed on the car by the dealer to assist with issue identification. XXXX XXXX has the vehicle and I have been working with one of the service managers to address the issue.
Product: Credit reporting or other personal consumer reports

These inquiries are fraudulent and do not belong to me. Please remove them from my credit report immediately. Also including these inquiries below : 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  These inquiries are fradulent and do not below to me. Please remove them from my credit report. Also these inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage Services , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

the short of this is PayPal has a XXXX account that I closed at the end of XXXX or the beginning of XXXX just before I left the country to live in XXXX XXXX in XXXX of XXXX as still active. 

On XX/XX/XXXX, I discovered that this account was not closed!? Details of this I won't go into here. To me, it is not relevant but if you need that information you can ask. 

I have contacted PayPal several times including calling what XXXX shows as the corporate offices ' number of ( XXXX ) XXXX and attempted to get them to close the account, and delete it but they refuse to do so. They have told me they could go in and remove the limitations and delete the account but they won't do it. They claim there are limitations on the account, put there by PayPal and they claim that they " Can't close or delete the account until those limitations are lifted '' but they refuse to lift them and remove the account and the information that they want to lift them I don't have all of it anymore as I am not in the XXXX and do not have that bank account or live at the same address or know what they were. 

For the last 5 years, I have been under the impression that this account was closed as I closed because Paypal said the account was a XXXX account and when I moved to XXXX XXXX I would need to create another account from the country I moved to, and now I find out it was never closed, or so they claim? There is no reason for them to refuse to remove the account know? 

They have said they could remove the limits and delete it they won't. They're refusing to do it and I would like some help in getting past the people on the phone to higher-ups to get this account that should not exist removed from their system.
Product: Checking or savings account

I closed my Truist checking and savings account on XXXX XXXX and after closing the acct there was an unauthorized transaction l called disputed and told them once again on XX/XX/2022 to close the acct again I was assured it is a closed acct. On XXXX XXXX I was charged a {$10.00} maintenance fee and a {$35.00} nsf fee. I have called repeatedly and was on hold for over XXXX hours. I just called today again and was told to hold for XXXX minutes while she checked something that was XXXX minutes ago and call just disconnected. I called XXXX Truist banks to set an appointment to go over my acct but was told I had to call the XXXX XXXX number this could not be done in the bank. Please help!
Product: Debt collection

This company has failed to send a written notice of the debt. They have contacted me several times and I have made them aware that I have n't received said letter.
Product: Debt collection

Transworld Systems IncXXXX is attempting to collect a debt for a rental property at XXXX at XXXX XXXX in the amount of {$9600.00}. I had vacated the property and notified the leasing office. I was in a bad situation with my husband and was left no choice but to leave. I involved the police because he was XX/XX/XXXX and doing other illegal activity. I told the property management I had no choice but to vacate and they notified me they could not relinquish me from the lease without two party consent for which he wasn't willing. I left after explaining the situation to management at XXXX at XXXX XXXX and was assured I was no longer responsible for the property. I am requesting the immediate removal of this inaccurate account from XXXX, XXXX, and XXXX.
Product: Credit reporting 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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX and 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

I opened a business account with Suntrust in XXXX and made a cash deposit into the account. The next month of XXXX I deposited a check into the account and Suntrust then started the process of closing my account XX/XX/XXXX. The reasoning was not following rules and regulations. I have no idea what that means. I felt the company wasted my time. The representatives told me the account would be fully closed within 10 to 15 days. That frustrated me but I just waited. XXXX weeks has since went by and now the representatives tell me with this investigation Suntrust has no time frame on when they will return the money that was deposited into my account back to me. 
Every time I call and reach out trying to find out any information on whats going on with my funds I receive different information and no one can help me. A supervisor told me there is nothing else I can do but just wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

I im writing this regarding late payment report on my account. i respectfully request an investigation into this matter and removel of the late payment from my credit report, as i believe it may be inaccurate or unfairly reported.under the provision of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. I was not properly notified of the payment due date or amount.

Under law 15 U.S. Code 1666b-Timing of payment a disclosure was supposed to send to me no later than 21 days before the payment due date and this disclosure was never sent to me either did i receive it.