23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was targeted via mail for a Bank of America {$300.00} account opening along with an extra {$50.00} if I opened at a BoA branch if I made {$4000.00} in deposits within 90 days of account opening. On XX/XX/2019 I went into a BoA branch ( XXXX XXXX XXXX XXXX, XXXX, TX ) and opened an account with XXXX, who confirmed that my bonus promo number was applied to my account and I should be receiving the {$350.00} once I hit the qualified deposits requirements. By the end of XX/XX/2019, I had deposited {$4600.00} ( verified by BoA bank statements with all deposits coming from my employer ). At the time, I knew the bonus would not be posted to my account until 60 days. It is now mid-XXXX  and my {$350.00} has yet to be posted to my account. Ive tried contacting BoA but they have been unable to assist me.
Product: Credit reporting or other personal consumer reports

In 2019, I was a victim of identity theft. The account is listed below and in the FTC report that I attached. Wells Fargo ( XX/XX/year> ) : {$10000.00}. This account is on both my XXXX and XXXX Credit Report. I have submitted FTC reports to this company
Product: Vehicle loan or lease

On XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX called VW Credit and requested a dealer payoff amount for a XXXX XXXX Account Number XXXX Vin XXXX and stated the vehicle owned had to trigger this. 

I was standing at the dealer, and I called VW credit requesting documents. VW Credit refused to provide a dealer payoff with a electronic delivery method and stated they faxed it to the dealer. The dealer never received the fax. I requested an additional copy via US mail as well. 

XX/XX/XXXX I reached out to VW credit and requested another dealer payoff document. They stated the faxed it again to another Fax number. They never faxed it. 

XX/XX/XXXX I receive a consumer only payoff letter not valid for dealers via US mail. 
XX/XX/XXXX I submitted payment via online portal to payoff vehicle XX/XX/XXXX I submitted request for title shipment information without a suitable response in a timely manner. 

VW Credit is taking every measure they can to prevent me from doing business with a non-VW dealer with my asset. I have been told to visit my local VW dealer for a payoff in a call with VW credit. In turn, I have lost expediting fees for title, interest on the monies paid to payoff this car when it should have been a dealer payoff, and time lost due to circles of difficulty.
Product: Checking or savings account

I opened a checking account for a {$300.00} bonus. Now, I am being told it is only a {$200.00} bonus that was applied to my account even though I clearly gave the right offer code when signing up.
Product: Debt collection

XXXX XXXX XXXX  HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, My husband and I financed a vehicle through XXXX XXXX XXXX. During the loan XXXX XXXX Now illegally activated a remote disable device on my vehicle preventing medical transportation, and violating state pandemic protections. XXXX of Illinois XXXX order number XXXX to be more precise. 

In XX/XX/XXXX, my husband and I fell ill with XXXX. Unable to properly access healthcare, because of issues with transportation his XXXX unfortunately relapsed and he now requires permanent XXXX and XXXX which he will have to be on for the rest of his life. 

We notified XXXX Now of our hardship due to the pandemic and the financial burden it had caused. We voluntarily surrendered the vehicle on XX/XX/XXXX, as instructed. However XXXX XXXX Now unlawfully garnished my husbands wages without notice or a valid court order. Then a month later they returned a portion of what they had his job garnish. To this day we're still confused as to how they came up with the amount question why the amount and why the return of a portion of it. We asked them in our certified letter to explain this as well. Before sending the certified letter to XXXX Now, My husband made a call to the XXXX Now office to request information on the amounts stated on our credit files. We wanted to know if the vehicle was sold because if so, we werent given credit for it, as well as questions regarding the wage garnishments. The woman he was speaking with in the finance office, literally laughed when my husband was trying to explain his illness. This is very discerning. She referred to him as not being truthful about his XXXX and the XXXX issues we experienced. Not only have they violated so many laws and regulations but to laugh at someone being seriously ill is beyond comprehension as well as professionalism. 

We disputed this improper debt collection and requested validation, which XXXX Now failed to provide, violating the FDCPA. The invalid repossession also continues damaging both of our credit unlawfully. 

XXXX Nows willful disregard of the FDCPA, state debt collection laws, wage garnishment laws, and pandemic protections have unjustly harmed us. I request an investigation and enforcement action against XXXX Now for : - Illegally disabling my vehicle during state pandemic restrictions- Unlawful wage garnishment without notice or court order - Failure to validate disputed debt as required by federal law - Inaccurate credit reporting and wrongful repossession notation, collections - Lack of response to consumer complaints and violations
Product: Credit reporting

equifaxXXXX XXXXaccount showing {$1200.00} monthly payment ( should be XXXX ) status showing 120 days late ( should be unknown ) remarks showing chapter XXXX bankruptcy ( should be chapter XXXX filed XXXX )
Product: Mortgage

Became XXXX and could not pay a 8.5 % int mortgage payment. I wanted help to lower payment for remainder of loan which is 5 years. My home is appraised at {$90000.00} and I owe {$30000.00} so I definitely do not want to lose my home. I do not live in my home, it is rented for {$600.00} a month and my payment is {$760.00}. My loan preservation specialist, XXXX XXXX XXXX, who is my contact regarding my loan modification application, is not taking my calls. Since XXXX XXXX to XXXX XXXX I left at least XXXX voicemails, left messages with his co- workers XXXX and XXXX XXXX, and sent XXXX emails. I have yet to receive a call back. On XXXX I received XXXX denial letters ( after 35 days of waiting ) XXXX states HAMP tier 1 denied because I do not live in home ( applied for help for rental ) tier XXXX denied due to not meeting program guidelines ( don t know what guideline is. ). The XXXX denial letter stated they denied due to home being vacant ( home has never been vacant ). Don t know what to do other than appeal. It also states Americas servicing Co ( Wells Fargo ) is Only servicing the note and XXXX is the investor. Very confusing especially when I can not get anyone to communicate with me.
Product: Mortgage

On XX/XX/XXXX I received a notice that my payment would increase from {$1100.00} to {$1200.00} due to escrow shortage. On XX/XX/XXXX pmt of {$1200.00} was sent by my bank through auto bill process. I made the change to the correct amount but failed to press the button for that amount to continue. OnXXXX my bank sent a payment of {$1100.00}. On XX/XX/XXXX I was notified by mortgage company of shortage of {$93.00} which was sent on XX/XX/XXXX. On XX/XX/XXXX payment of {$1200.00} was sent. On XX/XX/XXXX received a Statement showing no transactions for period and that my payment of {$1200.00} is in arrears. I believe this amount has combined the {$1200.00} plus the {$93.00} I sent on XX/XX/XXXX which an incorrect amount. Letter sent to me regarding late payments by Loss Mitigation Department indicating past due amount of {$1400.00} along with information about how to avoid foreclosure. On XX/XX/XXXX I called XXXX XXXX and the robot informed me that I am past due by {$1400.00}. Spoke to agent XXXX and was told that he didnt see any past due amount and no record of reporting to credit reporting agencies. This phone call was three way including XXXX from my bank acknowledging that all payments had been sent by them with no lapses. I had been informed by my bank that my XXXX score had dropped by XXXX points. XXXX transferred me to XXXX who said the past due was in error and she would escalate it to be corrected and it would take four days but no notice would be sent to me by them regarding that fix. On XX/XX/XXXX I received a letter from them in response to my inquiry as to the owner of our loan. After sending payments to them for years and spending countless hours on the phone I was well aware of who the mortgage company is. On XX/XX/XXXX I called again to see if problem has been resolved. It wasnt. Spoke to XXXX at XXXX MT and after researching she said she found what was causing the problem and would escalate it to be fixed. Again. She said it would take five days for payments to be fixed and 30 days to notify credit reporting agencies. On XX/XX/XXXX ( 9days later ) I received a statement showing {$1200.00} as past due and current payment of {$1200.00} for a total due of {$2400.00}. On XX/XX/XXXX a letter was sent to me outlining my legal rights to avoid foreclosure Under the SCRA. I have spent too many hours and placed too many phone calls without any success. It is my hope that this complaint will make that happen.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Debt collection

Date - XXXXXXXX  / Amount - {$410.00} / Violations of 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & and fairness / 15 U.S. Code 1681 ( b ) permissible purpose / 15 U.S Code 1681 C2 / 15 U.S. Code for reinsertions/ Legal documents letters of Cease and Desist / Harrassment / Trademark, Copyright Infringement/ were sent and issued to company/ agency/ Never was given proper legal Notice of debt within 5 days / Never was sent name / address of original creditor/ Never was sent a statement informing me they were assuming the alleged debt to be mine. Illegal third party debt company without permission reported fraudulent negative unauthorized personal information to all 3 credit buearurs XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX XXXX  Date of Inquiry XX/XX/2023 XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, LENDING CLUB, & XXXX to try and resolve the following matter but unfortunately the lady that was speaking to me was rude, unprofessional, and not helpful at all. I recently reviewed my credit REPORTS and observed that XXXX IS NOT reporting my monthly payments to all the credit bureaus, XXXX, XXXX, & XXXX. Furthermore, XXXX, LENDING CLUB, & XXXX has a note on my credit report which states " National Disaster ''.
Product: Money transfer, virtual currency, or money service

Hello my account was locked for no reason. I am a legit user of paypal app. I didnt do sketchy, scamming or violating their rules on their platform. My problem was just my locked bank account that was linked to my paypal can not remove for no reason. I want to recover my account because i have funds on it and i didnt do nothing wrong using their app. This is the email that was linked to my paypal app ; XXXX Thank you for corresponding to my complain.
Product: Credit card or prepaid card

Law enforcement : WAKE UP! You are being fooled by these businesses, they laugh at your lack of proper regulation. 

THIS IS THE SECOND TIME I have to open a complaint due to an attempt to prevent me from using the card that I earned through a reward ( rebate ). 

It amazes me how law enforcement seems to be hibernating allowing business like Blackhawk Network to continue to operate. This is not a technical issue. These are difficulties created to make users unable to use the card. 

I ALREADY HAD A COMPLAINT a few months ago with a different card, and I WAS PROMISED this issue would be reviewed and fixed. NOTHING HAS BEEN DONE! 

This is an absurd. 

I received a rewards card that is valid until XX/XX/2021 ( XX/XX/2021 ). 
I tried to activate it to use, and activation failed. I tried for XXXX days, via website and calling, and it keeps telling me this card can't be activated. 

***** IT IS IMPOSSIBLE TO REACH ANYONE ***** A financial service WITH NO POSSIBILITY TO TALK TO A HUMAN BEING! HOW IS THIS LEGAL AND ALLOWED TO EXIST! 

There is no chat or email in the website XXXX XXXX XXXX 
There is no option at all in the phone system XXXX XXXX ) to talk to a person. This automated phone system is another layer of frustration because not only it never gives an option to talk to someone, but also puts you in a infinite loop. At the end it asks me to hang up. I urge you, law enforcement, to please call this number and have fun trying to contact anyone in case your card activation keeps failing - THERE IS NO ASSISTANCE AT ALL. 

HOW IS THIS POSSIBLE!!! 
HOW IS THIS ALLOWED TO EXIST!!! 

THIS IS NOT THE FIRST TIME I have trouble using a card THAT SHOULD WORK FLAWLESSLY and Blackhawk Network MAKES IT, ON PURPOSE, DIFFICULT OR IMPOSSIBLE TO USE. 

WAKE UP LAW ENFORCEMENT! 

A financial company that does not allow a customer to access the funds ( that expire by the way! ), and that does not provide ANY WAY TO TALK TO A HUMAN in case of issues. 

***** WAKE UP! ***** AGAIN : I URGE YOU TO WAKE UP FROM THIS HIBERNATION.
Product: Debt collection

I received a notification on my credit file of a negative account. 
NATIONAL CREDIT SYSTEM Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$1100.00} Balance updated XX/XX/XXXX Original balance {$1100.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary. 
This is exactly how it is listed. After calling, I received an email with a link to send the information I had showing this debt had already been paid and that it needed to be removed from my credit files. I sent them an email with a receipt from SC XXXX XXXX showing that the balance had been paid and that they paid more than is currently being reported. I have not lived at the address since XX/XX/XXXX. The original creditor knows this. This debt was paid in XXXX by XXXX XXXX XXXX and I received an email from them with the receipt showing a breakdown of what was paid to B and D XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I have been a victim of fraudulent activity and this is another request to remove the information from my credit file resulting from the fraud. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any account and information not later than 4 business days after XX/XX/. Ive already included this report in my previous letter & I am including it again. Also, the information the Credit Bureaus provided on some accounts and information are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. By the provisions of the Fair Credit Reporting Act, I request that the Credit Bureaus remove the following accounts and information from my Credit File as soon as possible : XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and information were never authorized on my behalf thus I am disputing these and be removed from my Credit File. These accounts and information have caused me damage I am looking forward for these accounts and information to be removed without delay. As much as I appreciate the Credit Bureaus previous action and have some of the disputed accounts and information removed, I am a bit disappointed seeing these accounts and information still being reported without proper verification. Please help me resolve these matter the sooner the better.
Product: Vehicle loan or lease

Good morning, I was so happy about paying off my {$24000.00} loan at Toyota Finance. I called them up about paying my loan off online. I was told BY Toyota that it would be quicker for me to send them a Cashier 's check- overnight it to them- and my payoff would happen immediately. Well, that was a lie, unfortunately. They received the XXXX XXXX Wednesday at XXXX and it has supposedly disappeared. They have no record of it at all. I have called several times and no one will put me through to a supervisor. They said they can't help me till the payment posts and I'm out of luck. I don't know what to do? They have been AWFUL about the whole situation. And they said I would have to keep making the payments on a car that I have sent a large cashier check for that would pay it off. Can you help me, please?
Product: Credit reporting, credit repair services, or other personal consumer reports

Filled out application online for cheap car loans .. XXXX companies did a credit check without asking my approval.
Product: Checking or savings account

PNC has refused to reverse payments made from my account for services that were NEVER received. I am, at this point, DEMANDING the transactions be reversed and the funds be returned to me. However, since PNC enjoys colluding with scammers and approving of their methods, I have also now involved my family members at the White House and the Federal Bureau of Investigation, informing PNC has dragged this out going on 6 months and are refusing to refund money that was used to pay for services that were NEVER received.

THIS IS GOING ON MONTHS 7-8 CHASING PNC TO REVERSE THE TRANSACTIONS ON MY ACCOUNT THAT WERE A PART OF A SCAM.
Product: Credit card

Experian and XXXX are reporting fraudulent accounts that I repeatedly told them its fraud. These accounts are XXXX XXXX XXXX and XXXX XXXX. They are reporting late payments on my credit reports. 

XXXX is reporting a fraudulent account as well which is XXXX credit card saying I have late payment. This is fraudulent and I have filed FTC REPORT
Product: Checking or savings account

the information comes back empty. doest show the date it was open nor any transactions, but rather it says a different year on the last statement being almost 2 years since it was closed. Need answers.
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 XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : WXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts multiple times, but they are still reporting. They came back as verified, but I did not receive proper documentation stating who they spoke with, and what documents were provided to validate I am responsible for the accounts, showing my signature. I have attached a document showing XXXX  has deleted the accounts in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account was sent to collection company without notification. That collection company is now trying to collect twice the amount owed.