23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PayPal had sent a debt to a collections agency regarding a disputed XXXX  transaction. 
In XX/XX/2020 I sold an item on XXXX, the buyer attempted to return it, the return was denied, they then opened a claim through PayPal. There was an ensuing case within PayPal 's dispute system, which was then closed in my favor in XX/XX/2020, rendering me not responsible for owing any money. I have received no further communications from PayPal on the matter, at which I had closed my account with PayPal as I was no longer using it. In XX/XX/2020 I had received notice that PayPal is attempting to collect a debt based on the case that was closed in my favor, which is directly at odds with the resolution PayPal had provided to me in XX/XX/2020. 
I have attempted to contact PayPal on the matter, but am unable to contact them without being an account holder.
Product: Debt collection

{$2100.00} XXXX XXXX, i paid this account on time and it should not be listed on my credit report as a paid collection account. it has been removed from XXXX  and XXXX, but remains on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 



XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$990.00}, {$8900.00}, {$3000.00}, {$0.00}, {$28000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$990.00} -This is not my account. 


-- PERSONAL ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I reached out to XXXX, XXXX  and equifax regarding XXXX XXXX XXXX FIN with the account number XXXX and my mortgage XXXX XXXX XXXX XXXX with the account number XXXX about a late payment thats not suppose to be there. Before i reach out to credit bureaus i called both companies and i was told that it was going to be corrected. I was never late on my account at all, there must be some misunderstanding because i have initiate auto pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

everytime i dispute information with XXXX  and experian they never properly investigate the accounts they always come with results that they investigated it in 3 days they never explain to me the investigated results who they talked to nor show me proof of ownership and signatures required by FCRA and updated copy reports they never properly investigate and because of that i have bad credit due to Identity theft!! they say they investigated the accounts within not even a weeek they always give me the run around and not help meee i have submitted police reports and documentation to proof that the accounts or information is wrong and they still decide to say that the accounts and info is correct especially XXXX  is a headache and experian neveer had a problem with XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2020 I was released from a 9 day stay, and XXXX, from the hospital. After getting home I checked my bank account online and noticed some charges that were made while I was hospitalized that I did not make. I immediately called the number on my card to report it. We cancelled my card and issued a new one and was sent papers to fill out and return. I then went to the police and filed a complaint and received a report number. XXXX XXXX Police Dept. Report # XXXX ) The police even stated to me that these charges stand out in comparing to my usual spending pattern. The unauthorized amounts ended up totaling {$690.00}. ( Charges in question are marked next to them on the files I am attaching ) All charges were made out of state and as far as I can see they were done on line. I filed out all paperwork and included the police report information and sent it back. I later called on XXXX XXXX, 2020 to check the status and was told it was still in the " Pending Dept ''. On this day I spoke with " XXXX ''. I then later received a letter stating that my account was awarded back {$440.00} while it was being investigated. My complaint amount was for {$690.00} not {$440.00}. I called to ask about the lesser amount and we fixed the error and was supposed to get the remaining money on my account the next day. I never did receive this money. Then on XXXX, 2020 my account was left at $ XXXX because they had taken the {$440.00} back out of my account with no letter to me or informing me of this happening. Then my account has a credit adjustment for {$89.00} which doesn't make any sense because my account is still $ XXXX. I did not make these claimed charges on my card and do not feel the claim was investigated at all. Why should I have to pay for charges I did not make and the person who used my card without my consent should get away with this. It's just not fair as I live on {$940.00} a month. I can't afford to pay for these charges.
Product: Student loan

I had a sally mae loan, customer ID # XXXX. I was paying the loan. I XXXX XXXX XXXX because the XXXX XXXX XXXX  for closed because of a XXXX ; XXXX XXXX. They are still closed after 2 years. I asked for a forbearance, temporarily or lowered payments but was denied. I began making payments on my credit card. It added up quickly at 28 % interest. This was nuts I thought and stopped after many payments. I called the ombudsman who informed me that {$20000.00} was given to a collection agency. And shortly after this all of my loans were forgiven. I think the loan agency knew my loans would be forgiven because I'd been paying student loans since XXXX ( XXXX years ) and qualified for forgiveness. 
XXXX XXXX bought my loans and I was paying them. Debt # XXXX. Then XXXX XXXX sold my loan to another agency XXXX. I called XXXX and complained that I think this is an illegal debt and I want more information. It is a bad mark on my credit report. 
Should I have been granted a forbearance? Or a reduction in payment?
Product: Credit card or prepaid card

I mailed my payment XX/XX/XXXX. My payment was due XX/XX/XXXX. 
Comenity/Torrid did not post my payment until XX/XX/XXXX. I have been assessed a {$30.00} late fee. 

I called the Customer service number to have it taken off my account. They could do a onetime curtesy and take it off my account. I told them that I mailed it in plenty of time before my due date. The agent told me that it was not their problem that the US Mail was backed up due to the Holiday. I said that was not my problem either since I had it mailed in time. To get the onetime curtesy, I would have to listen to their disclosure. I told them they could say it, but I would not AGREE to it since my check was mailed and post marked before it was due. They told me that they could not delete the charge unless I agreed to the terms. I said I would call back with the law. 

When I called back, I explain everything again. Again, they said they would do a onetime curtesy. When I told them about the Postmark Payment Act of 2014 and that my check was mailed before it was due. They said that it didn't matter, their company policy was when they receive the check. They also told me that I should mail my check out 14 days before the due date I didn't do that. I did mail it out 14 days before the due date and they took 22 days to post it. When I tried to explain it again, the agent hung up on me.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX These account have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

I was misled and wrongfully charged at XXXX XXXX  monthly maintenance fee on my XXXX statement when on the bottom of the XXXX statement where it specifically States " please note '' on the second part of the paragraph it says if you wish to avoid being charged a monthly maintenance fee you must close your account before the end of the current billing cycle which I did I close it on XX/XX/XXXX and the end of the current billing cycle was XX/XX/XXXX. Once I close the account with the representative at surge customer service I specifically asked her if I would be charged a monthly maintenance fee and she said I would not. Also when it asks for the credit card number I only put the last XXXX of the credit card number I no longer have the card once I close the account I destroyed it.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian, one of the leading credit reporting agencies, for multiple willful violations related to the reporting of my XXXX XXXX XXXX XXXX  account on my credit report. I believe Experian 's actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Consumer Credit Protection Act ( CCPA ), and the Privacy Act. 

Incorrect Reporting of XXXX XXXX Credit Card : Experian is inaccurately reporting my XXXX XXXX credit card with a charged-off status and a past due balance of {$580.00}. Furthermore, the payment history section of the report indicates monthly charge-offs, providing incorrect and misleading information about the timing of the charge-off. This practice violates FCRA regulations, specifically 15 USC 1681, which stipulates the accurate reporting of credit information. 
Unauthorized and Misleading Reporting of Payment History : Experian is displaying {$0.00} paid each month after the charge-off, along with a continuous representation of the charged-off balance. This not only breaches the FCRA but also infringes upon my privacy rights as per the Privacy Act ( 5 USC 552a ). All payment history is private information, and I did not provide authorization for such sensitive data to be disclosed in this manner. 
I am deeply concerned about the impact these inaccuracies may have on my creditworthiness and financial standing. I request the Consumer Financial Protection Bureau to conduct a thorough investigation into these matters and take appropriate actions to rectify the inaccuracies promptly.

Enclosed with this letter, you will find supporting documentation, including proof of the inaccuracies and relevant legal provisions. I trust that the Consumer Financial Protection Bureau will address this complaint with the seriousness it deserves and ensure the accuracy and fairness of my credit report.

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigation and is reporting correctly, but how is that possible if the open date is inaccurate, the date last active is inaccurate and was re aged, and date last reported is not accurate. This ground for removal they also violated my rights under 15U.S.C 1681 ( 4 ). 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 15U.S.C 1681i ( 2 ) prompt notice of dispute to furnisher of information 15U.S.C 1681s ( 2 ) duty of person after receiving notice of dispute 15U.S.C 1881i ( 5 ) treatment of inaccurate or unverifiable information here is tracking number XXXX
Product: Vehicle loan or lease

I have been keeping tabs on how my payments are applied on my 19 % interest rate auto loan received from Capital One after my purchase from XXXX XXXX XXXX. ( I'd like to mention for the record that the manager of the dealership told me in the process of the loan applications, etc., for completion of the loan process at the dealership told me that the owner of XXXX was in contact with the CEO of Capital One. As a camera was placed on a conference table above the dealership recording the entire exchange. ) None of the payments applied since conception of the loan match in principal and interest at all. I contacted the bank last week to bring this to their attention. All I received was a representative on the phone talking to me like I'm stupid. NOBODY has yet to actually review anything. As the payments applied are all automated. So, basically, they are talking their way out because more than likely the loan will be sold to another bank before the 6-month cut off delaying a potential refinancing for a lower interest rate. And never adjust the interest and principal properly as clearly stated in every call. An interest rate that should have never happened in the first place, considering all of the other CFPB complaints I filed for every dealership and bank involved in me purchasing a new vehicle. 

Today, I receive a call from 'escalations ' and the first thing that comes out of this woman 's mouth was, " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' First of all, my loan is not in collections. It is not in default. It is on time and every payment has been made on time. So that was not necessary because of the fact that there is no delinquency despite an auto loan for 72 months. I disconnected the call because nobody actually knows what they are doing. They are intentionally dragging out a resolution and doing it by having stupidy and inexperience call me. They are the ones who need to fix it and I am not explaining anything that has already been said over 3 times now. 

I am not an employee of Capital One. No bank anywhere would hire me. Obviously, everything is recorded and I'm glad it is because I have every right to be upset and express myself due to the ill way that their employees are going about NOT RESOLVING ANYTHING. And let 's just drag it out until XXXX. So I don't screw up anyone 's manipulated number.

The interest and principal balances are not applied properly, and I am already dissatisfied with how it is not being handled in a timely manner.

Not one person has yet to actually review anything. They are making it complicated for no reason. And I am not on their payroll. It is their job to fix it and I did my due diligence to bring it to their attention for review and adjustments.
Product: Student loan

I am a XXXX and have been XXXX for 9 years. I currently have my student loans serviced by FedLoan Servicing under the PSLF program and have been paying my student loans since XX/XX/XXXX. FedLoan Servicing refuses to consider 2 payments eligible as qualifying payments because, according to them, " your payments were less than what you were required to pay. '' This has been an ongoing dispute since XXXX XXXX, one month after my loans were initially transferred to FedLoan Servicing. According to the due dates on both billing statements ( {$150.00} due by XXXX/XXXX/XXXX and {$330.00} due by XXXX/XXXX/XXXX ) each payment was, in fact, paid on time and for the amount due. Although I have provided FedLoan Servicing with the billing statements, they continue to tell me that they will not consider the 2 payments as " qualified payments '' towards the PSLF program because the payment amounts received were less than the amounts due. However, according to the billing statements I have attached and provided to you, both payments were received in full prior to the due dates. Even having offered to provide them with the billing statements I was given, they will still not consider both payments eligible towards the PSLF program.
Product: Credit reporting or other personal consumer reports

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Debt collection

On XX/XX/2019, I called XXXX XXXX and asked to pay off my balance and close the card. I spoke with XXXX at XXXX XXXX. She took my bank account information and processed the payment, which would bring me to a XXXX  balance. The amount paid was {$2400.00}. She confirmed that my balance was now {$0.00}. The confirmation number she provided was XXXX. 

On XX/XX/2019, my bank account showed that the payment had been processed. 

Months later, I get a phone call from XXXX XXXX ( or it's credit collection company - I can't remember ... I have been bedbound in XXXX XXXX XXXXXXXX due to a previous and severe XXXX  ). They claimed I owed them {$270.00}. I told them that was impossible, that I had paid off that account and closed it on XX/XX/2019. They argued with me and would not accept my claim. 

They sent me paper statements showing that I owed them. Come to find out, XXXX XXXX started charging me a Late Fee and Interest a few weeks AFTER I paid off my account in full. It appears that XXXX XXXX FAILED to close my account as I had requested. Regardless, they should not have charged me late fees on a XXXX  balance. 

Those late fees and interest added up to {$270.00} when they - FINALLY - closed my account and sent me to collection. 

This action has ruined my credit. Because of my battle with XXXX XXXX  and being on XXXX XXXX XXXX, my ability to focus and think clear were compromised. 

I finally was able to get some of my pain resolved through a medical procedure two weeks ago, so I reached out to Nationwide Credit , Inc and told them - AGAIN - that I had paid off the account back on XX/XX/2019. I gave them the lady 's name and my confirmation number. I also uploaded a screenshot of my bank account entry showing the final payoff payment being processed on XX/XX/2019. 

It has been two weeks, now, and they STILL have not closed out the issue and agreed that I do not owe them anything. 

On top of that - like I said previously - they ruined my credit. My credit score is at an all-time low and I can not get any credit if I even wanted to. 

ACTION NEEDED 1. They need to close the issue and tell me in writing that they have removed the late fees and interest, that I no longer owe them any money. 
2. They need to report their mistake to all credit agencies, letting them know that the balance WAS paid of all the way back to XX/XX/2019. 

Honestly, they caused me so much emotional trauma - adding to my existing physical pain - because they robocalled me two times a day for about eight months!!! The stress I felt from having action taken against me where I had no power to fight for myself due to my severe condition was horrible. Shame on them. 

It wouldn't be a bad idea for them to issue a letter of apology AND pay me money for the pain and suffering of their own accord instead of me having to hire an attorney. 

I've never been treated so poorly and unmercilessly in my life by a credit company.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFNI reported on XX/XX/XXXX, an account that is from XXXX ( Originally from XXXX XXXX XXXX ) for {$250.00}. I disputed the account with AFI and XXXX but got nowhere. 
It should not be in my credit report, but keeps showing up with new dates. They will not remove it from my credit report even though it's past the statute of limitation.