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

I attempted a purchase on XX/XX/2022 and the amount of {$170.00} the transaction was declined by the merchant however the money was initially taken for authorization and was then deducted from what I had on my PayPal balance PayPal has not is shoot me my money back and was told that it would be going to a debit card that I have linked to my Paypal account but I did not use for this particular transaction the transaction that was made in declined through my PayPal balance PayPal has removed any visual aspect of me seeing the transaction history in my transaction summary I was able to see this transaction prior to the 30th day where my money should have been released back to me and suddenly the transaction history did not show that transaction among what was evidently removed I saved all email correspondences between myself between my debit card company who confirmed that there was no transaction made and through the company that declined my transaction initially that the funding was initially paid through PayPal I have an issue with this because PayPal has been giving me different stories I've saved every recording of phone calls as well and they're not validating to me where my money is and as I said for me to see a transaction summary that is no longer the same with the same listing itinerary it is confusing to me because it removed the transaction that would allow me to account for all my money and the funding of where it went I would just like my money back from PayPal I would like to move further if it does not happen as I said I have all the correspondence and everything to where I can State my case and all I want is a valid proof where every XXXX  XXXX have went
Product: Debt collection

On XX/XX/ I sent Credit Collection Service two certified Validation letter though USPS to verify proof of debt for account number XXXX in the amount of XXXX XXXX and XXXX XXXX Dollars as reported on my Credit Report, and for account number XXXX in the amount of XXXX XXXX and XXXX Dollars as reported on my credit report. Credit Collection Service received and signed for that Validation letter on XX/XX/2023 as of XX/XX/XXXX Credit Collection Service has failed to respond to the validation letter. Further more Credit Collection Service has violated FDCPA section 1692E ( 8 ) failure to report/mark my account disputed with XXXX, XXXX and XXXX. 
I've downloaded proof of the Validation request USPS Certified mail receipt that shows the date sent and date received. 
Note : I've downloaded both USPS Receipts each for account number XXXX and account number XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with credit bureaus requesting that inaccurate information be removed from my credit report. It has been beyond 30 days and they have not returned any results or corrected the issues.
Product: Credit reporting

I was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with Experian, Equifax, and Transunion credit reporting agencies for years. I have been aa victim of fraud as reported to all three agencies in the past, as far backas XX/XX/XXXX. As of XX/XX/XXXX agencies are still putting out misinformation. 
Please help me put a stop to what is being reported. XXXX XXXX
Product: Credit reporting

I attempted to dispute an entry on my credit report with Transunion. The entry does not belong to me. I ca n't " prove a negative '' to get the entry removed. (?? ) " XXXX '' is the Customer Punishment Representative at Transunion who spoke to me. He refused to begin the dispute process for me, and told me that Transunion does not fix their errors. I asked for evidence that the entry is valid, and XXXX told me that was not Transunion 's problem.
Product: Credit reporting or other personal consumer reports

I am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the XXXX XXXX laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt. 

Accounts : XXXX XXXX  XXXX : XXXX XXXX & XXXX XXXX. XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX, Since this debt is under dispute, I must remind you of your obligation to cease all collection activities, including any reporting to XXXX, TransUnion, and XXXX regarding this matter. 

I hereby explicitly withdraw my consent for any form of communication from your agency. Additionally, I never authorized the release of my personal and private information to your organization, which raises concerns about aggravated identity theft. Moreover, I never consented to the reporting of any information in my name to consumer reporting agencies. 

Your non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act, by sharing my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice and opt-out opportunity pursuant to 15 USC 6802, further compounds the issues surrounding this matter. 

I am requesting the " Aggravated Value of Purchase '' document, which must disclose the amount you paid for this debt. It is crucial to note that any attempt to collect an amount exceeding what you paid for this debt would be considered a material misrepresentation, fraud on the court, and a deceptive act. Please be aware of the gravity of these violations, as they constitute a severe infringement of my rights as a consumer. If you do not immediately cease all collection activities and promptly remove this account from my consumer report, I will have no choice but to initiate legal action against your company in the United States District Court. 

Please be advised that you have 30 days to respond to this dispute. Failure to do so will compel me to escalate this matter and take appropriate legal action. Furthermore, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) should you fail to comply with my request. 

I expect your prompt attention to this matter, and I request that all future correspondence be in writing to ensure accurate documentation.
Product: Debt collection

I have been receiving collection notices from XXXX different XXXX collection companies, attempting to collect this amount, for at least a year to two years. 
The first company failed to validate the debt and ceased communication with me when it failed in its duty to validate. After there were no longer communications with this company, I received a second set of collection notices from a different debt collection company seeking the same amount of money. XXXX obviously sent the alleged debt off to a different debt collection company when the first was not successful. 
Again, I asked in writing for validation of the debt from this second company as required by law. The validation failed to identify the debt 's particulars in order for me to determine if it was a valid debt. After I pointed this out in writing to the debt collection company, it sent me a letter stating that the debt would not be collected upon and that my credit report would not reflect that the debt was under collection. I assumed XXXX would honor this resolution. 
Today, XXXX is trying to collect this alleged debt from yet again a third debt collection company -- even after a finding by its own debt collection agency that there is no valid debt and that the debt is off my credit report. 

XXXX continues to try to collect this debt despite my attempts to learn more about it ; contest it again ( at least six times already, including times with XXXX directly and despite a finding in my favor by its second collection agency ). I also contested this debt when it was directly an issue between me and XXXX. XXXX continues to hold this debt against me, continues to harass me with different debt collection agency notices, despite findings that it is not my debt from their own agents. Furthermore, XXXX continues to carry this debt in its accounts as delinquent. 

This third collection agency sent me a letter within days after I called XXXX to look into changing my service with it. XXXX said it could not change my service unless I paid this old, contested bill. That was when I found out it was still on my records with XXXX. It continues to share information wrongly with debt collection agency after debt collection agency. What is even more egregious is that XXXX used my communication with it for different service to reassert the alleged debt, and also to deny me a change in my service. Fortunately, I did not agree in writing to change my service with XXXX at that time because of XXXX anemic business practice history with me, both personally and through my business.
Product: Vehicle loan or lease

I have been trying to buy a used car from different dealers. They submitted the info to places they deal with for the loan. ALL of the places denied the loan. My credit numbers are as follows - XXXX XXXX - XXXX, XXXX XXXX, TransUnion XXXX XXXX, XXXX  - XXXX, XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  - XXXX. 
There is something very wrong here. The numbers make NO sense, I don't know how or who arrived at these figures or how to fix what is wrong since I don't know where the problem actually is. I have been unable to work because I need a car to get to customers which I am unable to buy one. I am just about out of money and without a car I cant earn any.
Product: Credit card

XX/XX/2024 I received a ping on my phone that I was overdrawn on my Cerulean Mastercard account. Impossible. I made my minimum payment of {$47.00} before XX/XX/2024 which is my due date. That was recorded. I then recieved a notice from the same company that I was {$130.00} in the red. I had made no other purchases on this account since paying the {$47.00}. 

I am contesting and challenging the financial predatory lending of this institution which has made me lose XXXX points off my credit because now my utilization is off the charts, and they are the culprit of this engineered predatory scheme to extort me extra fees that are not warranted nor are they entitled to. 

I made my payment on time. I have attached the payment which was made on time. The {$30.00} late fee ( unwarranted and fraudulent- I paid before the XXXX of XXXX ), the {$36.00} addition interest on a purchase ( none of these charges were authorized by me., ( late fee I did not owe and did not authorize, the interest on the purchase ( I did not authorize ) on the statement that I have attached it says authorized ( NOT BY ME AND WITHOUT MY CONSENT OR KNOWLEDGE ).. THIS IS PREDATORY LENDING AND I WANT TO CHALLENGE AND DISPUTE THIS XXXX AND EXTORTION OF LENDING SERVICES PRACTICED BY THIS UNETHICAL PREDATORY ESTABLISHMENT AGAINST ME. 

PLEASE HELP ME RID THIS PARASITICAL PREDATORY PRACTICE OF EXTORTION AS A CUSTOMER BY THESE SHARK LENDERS WHO DESTROY CREDIT, AND INFLATE RATES. THANK YOU.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THE NEXT INQUIRIES : CREDIT PLUS DATE OF INQUIRY 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry from BMO Harris Bank on XX/XX/2018 that I did not authorize. I contacted them to try and get it removed but they are not willing to remove it. It is hurting my credit score and and I need it removed.
Product: Mortgage

I made my final monthly payment of {$1400.00} on XX/XX/2021, within the grace period of 15 days, according to the loan agreement. My loan servicer Caliber Home Loan is not closing out my loan, but billed me a late fee of {$74.00}, a loan release fee of {$180.00}, and some amount of interest. 

I asked them to remove the late fee of {$74.00}, and they refused. 
I asked them to break down the loan release fee, and they refused. 

I have made all of my monthly payments on time, and now, they just want to stick me with all these bogus charges. I contacted the representative with ID # XXXX, and asked for his manager, and no manager was available to talk to me.
Product: Checking or savings account

Following an XXXX notice of 1.9 % APY savings account from CIT Bank, on XXXX XX/XX/2022, i attempted online to open an account. At that time, i authorized my checking account transfer of {$100.00} to CIT. I understood that i would receive " micro-deposits '' to verify the account on or before XXXX XX/XX/2022. Daily, I tried to check to see if the account opened, '' micro-deposits '' occurred. There was no activity from CIT Bank. I could not access my account online! The transfer did not happen. Each day, I called customer service to see when the account would open. They told me by Wednesday. On Thursday, XXXX XX/XX/2022 - after countless hours on the telephone waiting for customer service, i called to cancel the account. The representative told me she did cancel the account and hung up before confirming my requested transaction number. 

The entire experience was disgusting.
Product: Debt collection

i had a debt in collections listed under the name XXXX XXXX XXXX that i won the judgement against and had removed from my credit report in the amount of {$700.00}. Now this company is putting me back into collections again for the same {$700.00} that i won a judgement against them for, but under a new company name listed as XXXX XXXX.. So i won the judgement and it was removed from my credit report, but now that collection is showing up again under that new company name. This is illegal and a violation of my rights, and needs to be removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

i made a complaint against XXXX XXXX  and my complaint was handled very poorly by CFPB i sent alone with my complaint two pieces of evidence that CFPB did not send with my complaint when this was brought to my attention i spoke with a supervisor who thought it was not a big deal well ithink its a big deal i am asking CFPB TO please reopen my case # XXXX and file it the correct way with all information i will reattach my evidence also my complaint against transunion # XXXX complaint aganist XXXX # XXXX complaint XXXX # XXXX i will be uploading my evidence .i also sent a copy showing that i did upload this info to u
Product: Debt collection

Gold Key Credit INC is trying to charge me the amount of {$710.00} and I was never affiliated with this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of unauthorized inquiries on my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following hard inquiries were not authorized by me : Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit card or prepaid card

This is my second time seeking a response from this company. The last response made absolutely no sense. The card was issued in XXXX 2022 and the funds were stolen in XX/XX/2022 yet bank claims they mailed a refund check in XX/XX/2022. Unless they invented time travel, they are clearly lying. 

-- -- -- This garbage bank allowed thousands of cards to be compromised through their dinosauric computer systems. When customers try to complain, they are given the run around. I had a {$25.00} card drained by a hacker into their horrible computer system. Per their website I followed the instructions to dispute the card : https : //www.myprepaidcenter.com/faq? type=generic " How do I submit a dispute? { Option 2 } : Submitting a dispute by phone Call the number on the back of your card or the number listed on this website Listen to the prompts on the phone and select the option to dispute a transaction and select this option '' When I called, I had to call 3 times where I was hung up on and then finally the fourth call, I had to wait over an hour and was forced to talk to three different operators on that one call alone. None of which would take a dispute over the phone despite what their website said I could dispute over the phone. This bank is a fraud. They know they compromised their customers secure data and then make it impossible to recover the stolen funds.
Product: Mortgage

Hi Team, I have lodged two complaint on my Home Loan PMI, on two grounds 1 I called some time in last year asking to remove the PMI, they did not guide me right info, Later i found that If my property value appreicate and my Outsanding is less than 78 % i should not be charged PMI, Bank did not tell me this. 
2 With my current month i am reaching without Value appreciation to 80 % or less, I have asked bank to remove the PMI, they did not do that, They did not respond back to my Call or Ticket I raised in their portal and with call center. 
I spoke agent and Complaint logged by XXXX On XX/XX/2020 ticket reference XXXX Expecting call back.24/48 hours, Never got call back so far.
Product: Debt collection

I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that continue to tarnish my credit report. It has come to my attention that despite previous correspondence and my repeated demands, these fraudulent accounts persist on my credit report. This flagrant disregard for my rights as a consumer is absolutely unacceptable and requires immediate rectification. 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
Product: Debt collection

I'm contacting XXXXXXXX XXXX XXXX XXXX as Credit Acceptance is understand Federal Law suit for Illegal Debt Collection practices and lying to the investors to increase their stock with open accounts that are really closed like mine. I'm a victim of predatory leading from Credit Acceptance. This account Should be delete and Credit Acceptance should be investigated by the Ohio Attorney General as well. As there is a current law suit filed in United States District Court XXXX  District of Michigan. Case XXXX XXXX XXXX ( filed XX/XX/2020 )
Product: Payday loan, title loan, personal loan, or advance loan

I got a letter on XX/XX/year>, stating that my loan was denied, and my credit report was pulled by XXXX without my permission on XX/XX/year>. I have not inquired for a new loan with them.
Product: Credit card or prepaid card

On XX/XX/2022 I applied for {$7200.00} Care Credit Medical Card and was denied. On XX/XX/2022 I received a email stating I was denied because I was a High risk source of application. with no credit check from the company.
Product: Money transfer, virtual currency, or money service

Issue : Getting money back from Zelle payment to wrong party. On XX/XX/XXXX I mistakenly sent {$150.00} to the wrong party through ZellePay. I didn't discover this error until XXXX XXXX Contacted Zelle for help. Unsuccessful! Contacted the party to whom I sent the funds. He agreed to contact his bank to reverse the payment. On XX/XX/XXXX, the {$150.00} error payment was reversed by his bank, back to Zelle. He sent me a confirmation document. I did not become aware of this reversal until XXXX XXXX. My efforts to contact Zelle to get my funds back have been frustrated by Zelle 's lack of any effective process to handle such situations! I just want my {$150.00} returned to my Zelle account.. 
I DO NOT want any further contact with Zelle Customer Service... they are of NO HELP!
Product: Checking or savings account

The several scenarios with Wells Fargo. This actually ongoing unethical business practices with this company. I have made deposits to cover transactions and they are still returned to merchant. I have to all paper checks held for two days when checks written from Wells Fargo they offer the extra day Grace to prevent transactions from being returned but they will not update your deposits made before cutoff and still return them. You call customer service they are rude and hang up and never know anything about your account! I have made several complaints and it takes months to get response. Damages are well over due!