23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had a subscription to XXXX and used Paypal for the subscription. When I subscribed there was apparently an ANNUAL charge that I authorized and did not know it. I originally subscribed for 6 months at {$19.00} per month. The renewal happened automatcially on XX/XX/XXXX at the rate of $ XXXX and charged me a one time charge of {$650.00} on that date. I was not aware of the charge and did not catch it at the time. I cancelled my account with XXXX in XX/XX/XXXX. 

On XX/XX/XXXX ( this year ), I received a notice from Paypal that I had authorized {$650.00} to eharmony. I immediately contacted Paypal and found that I could cut off the preauthorization directly with them, which I did. However, Paypal says the notice was that it was " paid '' not a notice that I could cancel. So, I have an appeal right now with Paypal over this charge. 

I contacted XXXX, also on XX/XX/XXXX to dispute the charge, and the response was that they could not find my account. XXXX has no portal for communication to them on their website. It's all through third party email, which may or may not go through. XXXX did not give me any notice of the charge on XX/XX/XXXX, nor for the charge on XX/XX/XXXX. I have paid {$650.00} both years. I have not authorized either charge. I have received no service for either charge. I realize that I should have disputed last year 's charge, but I didn't catch it. I caught this year 's charge on the day I got the email from Paypal. 

Paypal initially refunded the money, then they changed it and said they will not refund the money, but that I can appeal. I have appealed and am awaiting their decision. 

XXXX does not acknowledge my account. They have received payment they charged off as annual, so that there's less opportunity for me to see it. A monthly recurring charge would be more visible in the account. Further, I never signed up for a annual subscription. I signed up for 6 month subscription at {$19.00} per month. XXXX gave no notice that they were charging me, and there's activity on that account I closed in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2018, I came into XXXX Toyota in XXXX XXXX, TX to look at a vehicle for my mother XXXX XXXX and I. I had a approved loan from my lender XXXX and I had requested the salesman and finance manager that I did not want to have my credit pulled. I come to find my credit was pulled by 5 creditors including TFS. I escalated to XXXX and was advised to dispute directly with the creditor. I also have a text message that states I had advised him to make sure no credit is pulled as I am on my way to the dealership and he complied. Please see attached for the complaint to XXXX.
Product: Money transfers

I had an emergency situation to transfer money to someone in XXXX XXXX. I choose the wire transfer methods as this is the fastest method to transfer money. I worked with XXXX ( Branch Manager ) in Citizens Bank XXXX XXXX branch inside XXXX XXXX. After understanding all the information for the recipient bank and intermediary bank XXXX processed the wire on XX/XX/2017 and he informed me that the money will be in recipient account on XX/XX/2017. I did express the urgency of this and he assure everything will be ok. 

Until today XX/XX/XXXX the recipient has not received the money. When I called XXXX he said he has put a tress on the transfer. I called him every day and he could not get any response on where is the money until today. He gave me the number for wire transfer department. I called them every day and they have no idea where this money went. I transfer XXXX dollars and they ca n't find this money. They could not provide any estimated date when they will have any information available for me. There answer is they do not have any updates and it may take several days to investigate. 

I have told XXXX and XXXX XXXX ( wire transfer manager ) that it is costing me {$500.00} per day in penalties/inconvenience fees for each day the money get delayed. 

Unfortunately this bank took nothing seriously and keep telling me that they ca n't do anything at this point.When intermediary bank response they will contact me. 

The Citizens bank should be responsible for my money and for their process and for agreement with their intermediary bank. I ca n't be responsible for their miscommunication and ignorance. I do not deal with their intermediary bank. How can I be responsible for communication between them. when I asked them if I can talk to some serious level person at Citizen bank they said they will escalate but I have not received any other information or solution for the problem. 

Please help me to find my money and help me to pay this additional charges that incur because of Citizen Bank process and inefficient dealing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2020, I realized that my personal information has been misused by an identity theft crime. Exactly seven different credit accounts were made with my personal information. Six accounts are listed below. 
XXXX XXXX XXXX XXXX ( {$3700.00} ) XXXX XXXX XXXX XXXX XXXX ( {$2500.00} ) XXXX XXXX XXXX XXXX ( {$8100.00} ) XXXX XXXXXXXX XXXX XXXX   XXXX  ( {$14000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX To resolve this problem, I have made and submitted an identity theft report from FTC to all three credit bureaus and made additional police report regarding the identity theft crime and submitted that report to all three credit bureaus as well. 

I also requested verification and validation of each accounts to the creditors and they did not provide me any detailed information regarding who might be responsible for these accounts. Because the credit bureaus and creditors did not find who might be responsible nor have significant proof that I am the one who made these accounts, all accounts that were involved with identity theft must be removed from my credit report. 

The remaining fraudulent accounts on my credit report are listed below. 

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

XXXX XX/XX/year>, my Son whom I have never shared his number or listed as contact because of a strained relationship was called and texted by P & B Capitol Group LLC XXXX. 
He said they discussed I owed for some firearms I financed and then texted him without knowing if related or not, got information online. 
So with what happened this is a true violation of the FCRA because only way got his number is online and guessing related.
Product: Debt collection

In XXXX of XXXX, I reached out to the company, requesting that proof of ownership be provided for this account. The company only sent in return a one page statement of purchases with nothing else to prove ownership. I then asked the company to cease all debt communication until proof of ownership was provided. The company continues to call and email about this debt. I also provided the company with a notification showing that I had been a victim of identity theft, but they failed to respond to that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Sallie Mae has tarnished my credit report in error. I usually submit payments via their mobile application with no issues and for some reason the payment kept getting rejected last time when there are funds in the account to cover the payment. I have submitted bank statements on my previous record and it and screenshots from their application and it was not taken into consideration. The application showed the status of rejected twice. I called their support personnel to only be told to contact my bank. After a third try on the payment submission the payment went through. I believe this is an unfair reporting and needs to be removed. I have contacted the company, but their customer services reps are disrespectful and are not willing to work with me on removing this negative mark out of my record. 
This also happened during COVID-19 and when I was finalizing a move after my divorce. 

I would like this negative mark to be removed. I'm having issues trying refinance and credit card companies are lowering my limit due to a hit of 70+ points negatively affecting my credit.
Product: Mortgage

My home mortgage has been with Roundpoint Mortgage. 

In XX/XX/XXXX, I paid {$270000.00} in addition to my monthly payment. That brought my loan to a total of just over {$2000.00}. 

Roundpoint turned off my autopayment without notifying me. They called to say I was late on my XXXX payment. This was a surprise. I requested the payoff letter. Roundpoint provided the  payoff letter. I then completed payment of the remaining balance for {$2100.00} per the payoff letter instructions ( removing the XX/XX/XXXX late fee amount per the customer service rep 's instruction - as she entered a request for it to be waived on XX/XX/XXXX ), going directly to XXXX XXXX XXXX to complete the transaction on XX/XX/XXXX. 

Roundpoint Mortgage continued to call, stating that I was delinquent in payment from XX/XX/XXXX. I then submitted to Roundpoint the transaction receipt from XXXX XXXX XXXX as payoff proof and requested that Roundpoint research this matter on XX/XX/XXXX to the email account that one of their customer service agents suggested. Roundpoint Mortgage sent an automatic receipt of reply, and they also sent a paper letter stating that they were reviewing this. 

To my ongoing surprise, Roundpoint continues to call me multiple times per week stating that I am delinquent in payments from XX/XX/XXXX. I received a letter dated XX/XX/XXXX that I am in default in the amount of {$4700.00}, which is greater than my remaining balance prior to payoff. 

Today I spoke with customer service at Roundpoint Mortgage. The agent was very helpful. He found my previous correspondence along with the payoff receipt, and apologized for the issue ( it is unclear why research was dropped ). He said he will work with accounting to locate the wired funds and reconcile payment for the remaining balance. He said he would follow up with me on this accounting issue. 

My concern is that I have spoken with multiple agents at Roundpoint Mortgage, the ball has been dropped more than once, and my credit is being threatened. 

I would like Roundpoint Mortgage to show that they have not inaccurately reported delinquent payments against my credit. 

Thank you for any help you can provide in this matter
Product: Debt collection

I followed all the instructions from XXXX and contacted the company, their response was yes payments were received and the account has been sold, so although paid the other company now has the account. I asked if XXXX knows that its paid in full why wont they reports the account as paid?. Infield a complaint also with the FTC They gave me information on fraud Response to your complaint Ref No. XXXX. Thank you for contacting the Federal Trade Commission. We have reviewed your complaint and have determined that the following information may assist you. 10 Ways to Avoid Fraud - XXXX XXXX XXXX The Florida Consumer Collection Practices laws, XXXX to XXXX. This indicates to me there is some fraudulent activity from XXXX and XXXX. I have submitted the documentation that account is paid and it still stands on my credit as a refusal to pay and preventing me from increasing my credit score to purchase a home. The account is paid and to be advised to contact the reporting agency is crazy and also illegal.Florida has enacted additional laws that supplement the FDCPA, and may provide you with even greater protection than the FDCPA if you live in this state. Florida 's Consumer Collection Practices Act ( FCCPA ) protects you from abusive debt collection practices. Like the FDCPA, the Florida CCPA covers debt collectors. I have a private cause of action a creditor or debt collector has harmed me and are in violation of the FCCPA. This means that I can file a lawsuit in Florida against the collector or creditor. I may be awarded : actual damages statutory damages not to exceed {$1000.00} possible punitive damages ( at the judge 's discretion ), and attorneys fees and court cost I will move forward and also file a complaint with Florida 's Office of Financial Regulation. A debt collector ( but not a creditor ) uses abusive or deceptive collection behavior, I know I may also be able to sue under the federal FDCPA. For more information, visit XXXX XXXX Illegal Debt Collection Practices The FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Only debt collectors are required to register. Those who are exempt from registration include : original creditors attorneys banks and other financial institutions, and real estate and insurance professionals. Remedies for Failing To Register An unregistered debt collector may be subject to administration fines of up to {$10000.00}, plus attorney 's fees and cost.
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX i went to store named XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX to buy a couch and a end table for my living room. when i got to the store they offered me a loan from XXXX XXXX, they told me there was a 90 days promotion for the loan, if i pay in 90 days i would not have to pay any interest. they said that i would pay the exact amount due plus only {$40.00}. i bought the couch and end table for {$1700.00}. i had to called XXXX XXXX a few days later for the 90 days promotion, they told me i was eligible for the 90 days promotion, but when i called them to make my first payment, they told me that i did not have 90 days anymore, that i had to pay in 2 months. otherwise i would have to pay them 184 % of interest. i accepted to pay in 2 months to avoid the 184 % of interest. I made the first payment on XX/XX/XXXX ( {$870.00} ). before the XXXX payment i called them to have the due date change from XXXX to XXXX, they accepted. on XX/XX/XXXX they took {$870.00} from my bank account. the same day, a few times later a received a text message about a return payment. i called my bank, they told me that there was no return payment but XXXX XXXX just took a amount of {$870.00} from my account. 
the next month i received text message from XXXX  about a payment i had to make, so i called them, they said there was an issue with the payment and because of that i have to pay the XXXX XXXX  of interest. i told them that the loan is already paid off, i owe them nothing but since that they send late payment information to the 3 credit bureau about me. and because of that my credit score is messed up : i lost XXXX point the first month. i hired a credit repair company name XXXX to fix that for me. XXXX disputed the information to the XXXX, they closed the account. but XXXX XXXX keep sending late payment about to the other credit bureau and my credit score is affected each time, and now my banks started to decrease my credit limit line, i have been refused a refinance for my car. i reaaly dont know what to do. when i made a research on goole about XXXX XXXX, i found a bunch of people complaining about the same thing, that means i am not their only victim. they do the same thing to a bunch of people. i even found a law firm that use to sue them for the same thing.
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 information was found in my reports. The TransUnion 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 are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX {$380.00} XXXX {$0.00} XXXX  XXXX {$2100.00} XXXX {$22000.00}
Product: Credit reporting

Experian Credit XXXX - I have ordered my credit report online and had it delivered. I think start a dispute online and it will not allow me to do so. Every phone number listed is automated service and no link to customer service to find out why I can not dispute online. This gives me the only option of ordering thru XXXX Postal Service and that would incur another charge. XXXX has done the same. 
This is borderline fraud activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a bankruptcy write off in XX/XX/XXXX. The bankruptcy was filed in XX/XX/XXXX, discharged in XX/XX/XXXX and paid in full in XX/XX/XXXX. XXXX sold the mortgage in XX/XX/XXXX and was not even a party in the discharge. XX/XX/XXXX is almost 5 years past the filing, over 4 years after the discharge, over 4 years since they sold/transferred the loan, and over 6 months since the loan was paid in full to the Company they sold/transferred the loan. Impossible to have ANY activity in XX/XX/XXXX.
Product: Mortgage

I was denied for debt to income but previously was approved when my debt was higher. He was rude and didnt even contact me. His name is : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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.

Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. he general prohibition covers the specific conduct described in 1006.14 ( b ) through ( h ), as well as any conduct by the debt collector that is not specifically prohibited by 1006.14 ( b ) through ( h ) but the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Such conduct can occur regardless of the communication media the debt collector uses, including in-person interactions, telephone calls, audio recordings, paper documents, mail, email, text messages, social media, or other electronic media, even if not specifically addressed by 1006.14 ( b ) through ( h ) ]. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number:XXXX  Date OpenedXXXX Amount : {$4100.00}
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : $ XXXX, XXXX XXXXXXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX  XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$590.00} XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX  XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed 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

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. 

XXXX / XXXX / Equifax reported the following derogatory marks Account Info XXXX  : late payments Education Loan/Opened XXXX XXXX XXXX XXXX XXXX  XXXX late payments Education Loan/Opened XXXX XXXX XXXX XXXX : late payments Education Loan/Opened XXXX XXXX XXXX XXXX XXXX : late payments Unsecured Loan/Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  late payments Unsecured Loan/Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  : in collections Collection/Opened XX/XX/XXXX Guideline/Rights Violated 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. 

Fair Credit Reporting Act ( FCRA ) : This federal law regulates credit reporting agencies and ensures that the information in your credit report is accurate. In your complaint, you can cite specific sections of the FCRA that have been violated, such as failing to investigate disputed information, failing to correct errors, or failing to provide you with a free credit report once per year. 

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 California Civil Code Section 1785.25 ( a ) New Mexico Statutes Annotated Section 57-12-3 ( B )
Product: Debt collection

I have been contacted by a firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX,, Georgia XXXX they first called themselves, XXXX, XXXX XXXX XXXX XXXX for a debit I could not have incurred as it was when my father was Ill and later died. Then with the same address a group called Pollack and Rosen did the same thing, both representatives threatened to sue me for a firm XXXX.