23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I signed up for a free trial with XXXX XXXX on XX/XX/XXXX. When I realized they didn't provide the service I wanted I cancelled that same day. I was given a cancellation confirmation email. In the image shown below it very clearly states cancel trial and benefits, I clicked it and was given a confirmation email. Yesterday XX/XX/XXXX I discovered that my card was charged {$99.00} for a subscription despite being cancelled. I contacted support and they told me they weren't allowed to give me a refund despite me cancelling before I was charged. I believe this company is running a scam because there are multiple complaints all over the internet about their shady business practices around subscriptions Dasher direct ( the bank I used to start this free trial ) is refusing to comply on the grounds of a fraudulent charge
Product: Payday loan, title loan, or personal loan

In XXXX of 2019 I took out a XXXX as the website stated I would be charged the amount of XXXX $ in 12 equal installments, well after XXXX $ was paid in 5 installments all of a sudden the balance was still XXXX so they lied and misrepresented to get me to take out this loan and preyed on me. So I stopped paying them and now on my credit report I owe them the original XXXX $ which I will never pay but would more than will to resume payments for exactly 7 more payments as was the original deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of Fair Credit Report Violation Act Omni military loans pursuing pro charge off interest on a account for over 6 years without sending periodic monthly statements on account to customer. The creditor should mail or deliver periodic statements as required by 612 C.F.R section 226.7.
Product: Consumer Loan

I contacted the lender ( One Main Financial ) to refinance my high interest rate loan ( 33 % ). I have never been late on this or any loan/debt in over 24 months. I told them my credit score had increased from the low XXXX 's since origination in 2014 to XXXX today. I was advised that would allow me to get a better rate but they would have to make a hard inquiry to verify. I told then hard inquiries negatively impact credit ratings and I did n't want to go forward if there was no opportunity for a rate reduction. I was advised that the rate reduction was possible due to my score but they had to see the report. 

Once the report was pulled I was told no rate reduction would be offered even with a score of nearly XXXX. I was only then when I was told decisions are not score based but other undisclosed factors determine the rate. I was told to get their lowest advertised rate of 14 % my score would have to be nearly XXXX. When I asked why my score of nearly XXXX did n't get me a lower rate I was then told by another associate that the main reason for not getting a lower rate was utilization on XXXX credit card was near the limit and over XXXX % on another, I was not a homeowner and I had XXXX inquiries listed. I was told my score had nothing to do with getting a lower rate. 

This is a deceptive practice and harms the consumer trying to refinance their loans. The lender caused me to negatively impact my credit rating with a hard inquiry when my credit score had no bearing on their decision even though I was lead to believe so prior to authorizing the inquiry.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in to be removed. 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. XXXXXXXX XXXX XXXX XXXX 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! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 section 602 A. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created my Paypal Id in 2016 when I was XXXX years old ; now, when I open my Paypal account to use it, then I need to change my name, so I have uploaded my id proof for that, but then they're an email was sent that I can't any longer use my Paypal id nor I can delete it. But I have already given the PayPal id for transaction purposes, and it can't be undone, so I need to recover my Paypal id.
Product: Credit card or prepaid card

Was approved or told I had excellent chances of receiving a credit card thru credit karma to end up being denied
Product: Money transfer, virtual currency, or money service

To whom it may concern, my name is XXXX XXXX and I am writing today about my PayPal account " XXXX ''. PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. Any disputes or returns were settled and all my customers were happy with their product. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX  enriching themselves. PayPal transferred my whole balance and took my hard earned money of {$3300.00} on XX/XX/2021. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by PayPal. I have tried to resolve this issue friendly with them many times, but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 
Thank you
Product: Debt collection

I received multiple calls ( 5x+ ) for months on end, I finally requested proof of the alleged debt from XXXX XXXX XXXX and have in the past few months/weeks been actively sending proof that I was charged for service after the account/service had already been requested to terminate. 

On Friday, XX/XX/XXXX XXXX XXXX after a representative and I spoke with XXXX at XXXX XXXX XXXX he confirmed that the charges were for services through XX/XX/XXXX. I explained that I returned all required equipment and terminated service in XX/XX/XXXX. XXXX suggested that I dispute the charge and send confirmation, at which point I sent email confirmation to Credence showing all items were returned. 

On Monday, XX/XX/XXXX XXXX XXXX I received an email stating that they received a response back from the creditor that the charges remained valid. I replied to the email that it was not possible as I had alternate service. I was then asked to send further documentation which I did that showed I had XXXX XXXX streaming service as of XX/XX/XXXX which was paid.. 

As of today, Tuesday, XX/XX/XXXX XXXX XXXX, I received response that despite the documentation sent, the charges were due as my account was not current and I still needed to pay the balance. Beyond upset, I contacted the company and requested to speak with a manager. That manager, XXXX XXXX, escalated my call to a second manager, XXXX XXXX. I again tried to explain why the charges were invalid and also explained that I was quite annoyed by their repeated attempts and failing to understand why I did not owe this bill. Mr. XXXX ' only suggestion for making the bill and calls go away was to pay the bill as it was still owed. 

Logic is not an option here and they fail to connect the dots. Whether it is greed or a language barrier I do not know, but I do not need this stress for a bill that I clearly do not owe. Customers should not be at fault for a company 's inability to follow through and disconnect service. 

In addition to this complaint I have also filled one with the XXXX as this is beyond ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint for XXXX  and Equifax. I tried to fix it within the credit bureau with no luck and no help from XXXX  or Equifax. XXXX XXXX DID fix it.

As you can see by the attached report, XXXX and Equifax has me as having 3 late accounts. This has hurt my credit and shows up when it is pulled by a lender. XXXX repeatedly just says a bankruptcy stays on your credit. This isn't about that, I under stand that. This is about XXXX and Equifax saying that I have negative, lates from XXXX XXXX, XXXX, and XXXX. None of those accounts were late, those companies said that no late payments were every submitted. Yet, XXXX  and Equifax has my report showing late payments. All they did was to send out a dispute to those companies, rather than fix their internal error. They must be doing nothing more than assuming they were late, since, again those companies never reported late payments. Those were included in a chapter XXXX bankruptcy, however the loans with XXXX and XXXX XXXX were always paid, on time and outside of the bankruptcy and paid in full. I have the titles to both cars. XXXX was also included and received an agreed payment through the courts to settle the debt. No late payments were made to XXXX up to the day it went to receiving court payments. 

Finally, XXXX sent me a report of their resolution, but none was made. Funny how they can say this is done, when I got a call from XXXX XXXX yesterday saying they were actually trying to help me. Also, XXXX included a credit report showing the accounts before and after they " updated '' them. The ONLY thing that they changed was that these 3 accounts, which were supposed to fall off my credit in XXXX, NOW fall off in XXXX. How can they extend how long these stay on the report, unless punishment for reporting their error to the CFPB. They did nothing more than make the situation worse. 


Isn't it some kind of fraud to put false information on a report? 

Attached you can clearly see where the XXXX   and Equifax report shows 3 false late 's.
Product: Student loan

Trying to pay student loans back from XXXX to XXXX. Received XXXX and XXXX, however payment shock occurred when paying back. No consiconsideration that high paying job has not occurred. Navient sets payments big and options are not compatible to salary and cost of living. Attached high interest when missing as it is sad that it 's unimaginable to pay back. 
Please help with reasonable affordable payment.
Product: Credit card or prepaid card

Wells Fargo continues to hold me accountable for two fraudulent charges that were made to my account in XX/XX/2022. I have submitted sufficient evidence, including medical records that indicate I have serious eye issues that prevent me from driving. The charges were made in XXXX IL and there is no way I could drive there. The charges were XXXX XXXX and XXXX XXXX XXXX. Wells Fargo is claim that they are not accusing me of making the fraudulent charges or filing a false police report so I don't understand their rationale for stating the charges are valid. It is irrational for Wells Fargo to say they are not accusing me of the 2 facts above and yet state that the charges are valid. It is also highly unethical and I will refuse to pay for the charges.
Product: Checking or savings account

I had key bank close my account for fraud. After 14 days they opened the account and told me in XXXX weeks I would be refunded what was owed due to the fraudulent activity. The day the refund was supposed to come in, I spoke with the bank and they said I'm all set, my account is open and I was refunded. When I went to the bank to access my account, I was told they had to put a hold on my account again and I cant access it. After bringing fraudulent activity to their attention, they cleared me of the wrongdoing and refunded me only to tell me they are investigating my account further because they think I had something to do with it. I have waited for over XXXX months. I have been given not a single reason why they opened my account and then closed it again. I have no Idea why and what they are accusing me of. All I have been told is that they are investigating my account and I have nothing I can do and no recourse. I feel like I am being robbed. I came to them with a fraudulent charge, I was cleared and told they tracked the IP address that did it and I would be refunded my funds, then the day it was refunded the bank closed my account again and said they believe I have something to do with the fraud but I said, why would I bring it to your attention if I did it? They will not release any information and keep telling me its under investigation through there fraud center. This started the first week of XXXX. I dont know what to do and I have been threatened that if I keep asking they will call the cops on me, Ive been to the bank many times to be escorted out by security simply for asking questions. Anyone I call tells me that its ongoing and they cant answer any questions nor can they even tell me what I am being charged with or what crime I have committed. I still have no idea why they think I committed the fraud when I was already cleared and told it clearly wasnt my fault. They even agreed to refund me my money. However since the day it was due they completely locked me out and said we refunded you but you cant access your account, so I have to wait while my money sits there and I cant even access any future direct deposits which has nothing to do with past issues but I have no way of accessing the account at all or can not receive any information. Please help me, I cant afford a lawyer, the cheapest wants XXXX $ an hour. I have been defaulting on a lot of bills because of this. I cant access my own money and have been put in a really bad situation, for example with my landlord and rent. This has cost me so much more then just the money that they will not allow me to have ; which is my own money that I worked hard for.
Product: Mortgage

I have an existing home loan with CitiMortgage. I have automatic payments made from my credit union on the XXXX day of every month via a bill-paying service. 
I was charged a late fee of {$48.00} in XX/XX/XXXX because my payment was received on XXXX XXXX ( it is due by the XXXX ) My credit union statement shows that the payment was deducted from my account on XXXX XXXX. 
I checked with the bill-paying service, and they sent me a " proof of payment '' document showing that the payment was RECEIVED by CitiMortgage on XXXX XXXX at XXXX XXXX. 
CitiMortgage appears to be charging a late fee on a payment that was NOT late!
Product: Credit reporting, credit repair services, or other personal consumer reports

A overseas call center for a creditor in approximately 2011 input my name incorrectly as XXXX XXXX. That name now shows as an alias on my credit file. I have disputed this with Equifax who stated that according to the creditor the information is correct even though I stated in writing XXXX XXXX IS NOT my name, was added by an overseas call center employee who could n't understand my American accent, and I HAVE NEVER used that name! Equifax REFUSES to correct the error!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you. I am wondering why I have items on my report that are not mine. I am thinking about starting a new business soon which prompt me to check my credit report. I see several items on my report that are not mine I need these items removed from my credit report. I have contacted the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX NA XXXX XXXX XXXX, XXXX, XXXX.
Product: Student loan

I refinanced my federal student loan of {$30000.00} with XXXX in XX/XX/XXXX. 

On XX/XX/XXXX, after XXXX 's announcement of student debt relief, I called Great Lakes regarding getting my federal loan reinstated via a refund to XXXX under the CARES Act since the payment/refinance was made in XX/XX/XXXX. I was advised that they would happily do so and would be sending a refund check to XXXX and the balance would be reflected on my Great Lakes account within 30-45 days. 

On XX/XX/XXXX, I called Great Lakes to check in on the status of my refund, as it was still not reflected on my Great Lakes account. I was told that my refund request was rejected because they " received new direction that they are unable to refund third parties. '' According to the Student Borrower Protection Center 's press release on XX/XX/XXXX, " refunds are available to borrowers who refinanced their student loans during the payment pause into private loans, such as those offered by XXXX or XXXX. '' I would like Great Lakes to reinstate my federal loan since it was paid during the payment pause, so I can be eligible for and receive the {$20000.00} forgiveness I am due.
Product: Credit card

Hi : I have a UPromise Master card which i used for a balance transfer on XX/XX/2016 for XXXX USD. Upromise made the balance transfer fine and i received money to my other account. But, they made another duplicate transaction to a not valid credit card and charged me XXXX $ for the balance transfer and XXXX $ for the transfer fee.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I had an account with XXXX XXXXXXXX XXXX for a number of years until XX/XX/2020 when the company went bankrupt and started closing their stores. They also closed all customer accounts and then kept changing payment due dates for payments and then charging exorbitant late fees if you didn't meet their ever-changing due dates. I complained to XXXX XXXX about this and then PAID OFF my account even though I made the payment due date at the time ( I paid the account balance online ). It didn't matter because XXXX XXXX kept charging me late fees on my account, closed BY THEM in XX/XX/2020. The company then kept ( and is still doing this ) charging late fees on the late fees and will not stop even though the account has been PAID OFF & CLOSED. And Now XXXX XXXX is Reporting me to credit agencies for non-payment of these fraudulent Late Fees! 

I am not going to pay any extortion or fraudulent charges such as this- and I want XXXX XXXX sanctioned for this criminal activity because it's illegal to charge late fees on a closed account! And I want the credit agencies notified of XXXX XXXX 's fraudulent activity!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in XX/XX/XXXXUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Virginia housing in XXXX Virginia continues to ignore my requests to do a readjustment or assessment on my account so that my monthly payment will show the correction on my monthly payment account. It is not until I call XXXX  that they take my request seriously so this is being sent again. I am attempting to get my monthly payment for XX/XX/2023 adjusted as I just made a large escrow payment that would be in the positive. I will not make my monthly payment or pay any extra fees until this company adjust and respect my request to get the adjustment done. It was done recently due to a large amount of money being put on the account and it was done with no problem once they connected me to the right person with this agency. This is not about company protocol this is about them being lazy and not making the adjustment to take 5 minutes to go to the computer adjust my escrow and have it posted
Product: Credit reporting or other personal consumer reports

This is my fourth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX