23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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.

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 card or prepaid card

On XX/XX/2020 I stayed in a Hotel in XXXX  called XXXX XXXX  XXXX. Unfortunately my reservation said XXXX and the hotel was in complete disarray due to remodeling. The furniture did not look anything like the one I saw in pictures and felt I did not get what I expected. 

I left the next morning at XXXX and the hotel had charged me {$410.00} XXXX for the 3 days of reservation. I told them that I was not aware that they would charge me for this upfront and they asked me to talk to manager that would arrive at XXXX. Since I had to go to work I left and checked in at another hotel XXXX XXXX. 
That evening I tried to call the hotel and they never responded. 

So I filed a claim with Citi back then. Initially they denied it as they said I had not proven that I had tried to contact the merchant even after I showed them proof that I did as well as the travel agency. 

Then refiled, then about a month later they sent me a new denial letter stating that I had to show proof of cancellation prior to arriving ... its like Citi Dispute team never read my letters. 

Then I sent again advising them of what happened and that I had paid for another hotel for the remaining 2 days of my visit to XXXX  and that there was no way for me to know upfront that the hotel would be in disarray prior to me arriving. So I would not be able to provide a notice of cancellation. They asked me to submit proof that I stayed at another hotel. 

Now I get a new letter stating : We may be able to assist you if you provide us with documentation showing the merchant agreed to credit your account. If you are unable to provide this you will need to seek other means to obtain credit '' Its like again they NEVER read my letters. If I had documentation showing that the merchant agreed to credit my account ... why would I file a dispute. 

I have spent countless hours calling and following up. In the meantime they charged my account for the bill and are accruing high interest in my account. 

I am not sure what else to do but to file a complaint and request the support of CFPB on this matter. As you can see on the attached its {$410.00} XXXX for one hotel PLUS {$330.00} ( 2 nights ) for the other hotel I moved to.

I agreed to pay for 1 night for the hotel even though I was upset with my stay. So I am requesting a refund for {$270.00} XXXX from Citi and so far they have been siding with the merchant even though they did not provide this service. I feel robbed and need to get this refund issued to me immediately. I am having to make payments on a service I did not receive.
Product: Prepaid card

I have a prepaid XXXX with Capital One to try to rebuild my credit. Ive paid every bill on time I have not been late once and Ive paid multiple payments throughout the month each month. I made an online check payment XX/XX/2023 to find out on XX/XX/XXXX that they were holding funds and they would not be available until XXXX XXXX 2023. They credited the balance on the card but did not give me funds available so theyre holding {$190.00} plus {$100.00} deposit. I do not understand why theyre taking my money from me for so long. XXXX, putting people in a financial bind, just refuse acceptance of their payment, so you do not put them in a bind. Im having to do without buying XXXX presents for certain relatives to accommodate this. I have not done anything wrong thats why I dont understand why theyre keeping it for so long. One representative with their company told me they were doing it to make sure that the check cleared. That was a XXXX  answer because with todays technology it surely does not take 2 1/2 weeks to make sure the check cleared. Actually, they clear instantly they run it through and you back your receipt. the bank XXXX XXXX XXXX XXXX said the check cleared that day XXXX XXXX, so thats been cleared. What she told me wasnt true I dont know if she knows how to do her job or not but she had the wrong answer for this. Then I called and talked to a supervisor, and she kinda got frustrated with me on the phone. no profanity or anything but kind of mean. So, theyre holding {$190.00} of my money and {$100.00} deposit and Ive not received anything to tell me they were doing this, they just did it - neither a phone call nor a letter explaining why theyre holding it. At least send a letter or make a phone call to me telling them why youre holding their money from them. I went to the gas pump and got declined and the money was already out of my XXXX XXXX account for the payment so I didnt have extra money to buy gas and then the money is not available on the card either because theyre holding it. Im not sure they dont hold money so they make interest on huge amounts of money overtime. Ive never believe that myth but Im starting to. Just credit my account available balance or give me my money back so I can have XXXX XXXX XXXX XXXX. Mean
Product: Debt collection

There is another account listed with this debt collection agency that came under my credit today that cost me another XXXX points. I do not owe this bill this is not my account I never had XXXX. Is has no account number listed. 
SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/2021 {$630.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX Report info
Product: Student loan

I attended XXXX XXXX between XXXX XXXX 
Department of education in the process of discharging all of my federal student loans from XXXX XXXX for fraudulent findings. 
Navient will not discharge my private student loans even though XXXX XXXX shut down for fraudulent activities. Also my private student loans was not included in the XXXX state Navient settlement even though my original servicer was XXXX XXXX and they sold my loan to Navient. Navient need to discharge my loan I Continue to get hit with delinquents on my credit report causing me denial when I tried to refinance my home for the second year
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


XXXX XXXX XX/XX/XXXX {$1100.00} XXXX  XXXX XX/XX/XXXX {$240.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been disputed on these dates : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXfor late pays after account closed, comments/remarks incorrect, never got a response for Transunion, XXXX , XXXX   XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX/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 am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. 
Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail. 
Best Regards, XXXX
Product: Student loan

I tried to submit the following request to customer service : Hello, I believe my information has been shared improperly and am requesting documentation of any third-party disclosures under FERPA in regards to my student loans. 

I am unable to get a response and submit this request.
Product: Debt collection

I received multiples calls back to back same phone number within about 10 minute time lapse. I answered thinking it was an emergency of some sort as I have children. Was told it was from a debt collector I took down some info explained I was busy and told them I can contact them at a later time which I intended to and was put in phone with superior who proceeded to talk to me aggressively saying I had to pay today I had no choice but to answer my phone and spoke to me loudly. I told him he was being unprofessional and that I was a busy person he has no right to get aggressive when all I was asking was to give me time to call back when I had a chance and he wasnt giving me he continued to be aggressive to a just got As much info as I could and hung up.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Dept of Education XXXX XXXX XXXX U.S. Department of Education XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX, XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

FCRA states in  section 623 ( a ) ( 8 ) I disputed the information directly with GLA they have failed to provide the method of verification by mail to me of what information they sent to the credit bureaus.I am requ esting for them to provide their method of verification and investigation of this debt I do not owe.
Product: Payday loan, title loan, personal loan, or advance loan

I applied and was approved for credit on XX/XX/XXXX. I received a statement that my FIRST payment is due on XX/XX/XXXX for {$150.00} PLUS a past-due amount of {$0.00} for a total of {$150.00}. I called and was advised this was due to a system error and to disregard it. I asked for that in writing as I do not want a late payment to affect my credit report and was advised that Synchrony/Allegro do not report to CRAs. I asked to have that in writing but they declined. I asked to speak with a Supervisor and was told someone could call me back. Due to my difficult work hours, I declined. 
I reviewed my loan agreement and found the following clause : " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your loan may be reflected in your credit report. ''
Product: Debt collection

on XX/XX/2021, i sent MIRAMED REVENUE GROUP letters regarding a alleged balance of {$120.00} and {$310.00} that i do not owe.I never had any dealing with the company or never will.so this inaccurate information is ruining my credit and needs to be deleted soon.i am stressing out and getting very depress because of it.
Product: Mortgage

Two to three months ago I contacted PennyMac to inform them that my income decreased and I would not be able to make a payment ( before the payment was due ), this is where is conflicting of information started. One representative told me I would have to be atleast 10 payments behind for any foreclosure procedures to start so I should be fine ( that sounded odd to me ). I called back a week later when I received an automated call from PennyMac, I spoke with a rep whom stated I would be mailed a mod packet. I was denied for the modification, we are now into the next month and I make a payment ( still one payment behind ). 

The mod rep calls me to let me know I am denied, I ask if there are any other payment options and she tells me to wait until collections commence ( which will happen after the mod denial ). I get another automated call and I call back the next rep I spoke to tells me I am eligible for forbearance, I told her no one contacted me and told me that so how was I supposed to know? She said if I accept the forbearance she would update my account and someone from PennyMac would call me in 3 business days. I am still wondering how was I to know about the forbearance if no one called, if I did not call I wouldn't have known. 

Three business days go by no call. I call PennyMac again, a rep then tells me someone should be calling me in 3-5 business. Five business days go by and no one calls. I call back to speak to a rep and she says a mod packet has been mailed to you???? A mod packet I ask, I am waiting for a call regarding something different. I don't tell her it for forbearance but I did ask her to review notes on my account and tell me what has been documented from the last 3 times I called. She said she didn't see anything noted on my account about forbearance. I'm agitated at this point and ask to speak with a supervisor, she ask me why-I TELL HER BECAUSE I KEEP GETTING CONFLICTING INFORMATION EVERYTIME I CALL!! 

Supervisor gets on the phone goes over my account and says he does see info about the forbearance being under review. He claims he called over to the forbearance department and someone will- '' WILL '' call me back early afternoon about my account. Well its the next day and I have not heard from anyone. This is ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 ... Discover Financial Services ran my credit and they keep telling me they dont have any or my information in their system. But I never applied to a loan, a credit card, or any of the following. The Credit Bureau told me to get a letter from Discover Financial Services stating that it was a mistake and none of my information is found but they refused. I dont know if somebody used my social to apply or anything, but that wasnt me. Now its a hard inquiry on my credit report.
Product: Checking or savings account

On XX/XX/2021 I reported 3 charges with my Chase Bank from my account withdrawals concerning XXXX. 

XX/XX/2021 : {$300.00} XX/XX/2021 : {$300.00} XX/XX/2021 : {$600.00} We were purchasing a dog from a breeder, but we unfortunately do not have the dog and the company we were speaking with does not respond to us, nor can we contact them via phone. They will not answer calls, texts, no correspondence. I had disputed the charges with Chase Bank on XX/XX/2021. They gave me a sheet to fill out, but when I went into the bank on XX/XX/2021 to turn in documentation and the sheet, they just asked for the sheet. They have not once asked for any documentation from me. Just the initial sheet. This morning I woke up to a letter in my statement saying the charges are authorized and they are taking {$1200.00} out of my account. 

1. I do not have a product that money was taken for.

2. Chase bank did not request any documentation on my behalf to prove the product was not received. I have been banking with Chase for over 10 years and this is how they protect their clients.

3. Chase bank did an investigation with no documentation given back to me about any information. They have nothing to show me, just that they are not helping me with the transactions basically. 
I have called Chase bank at XXXX today XXXX, I am speaking with a XXXX who told me to file a dispute with XXXX. He then told me, they are no longer looking into the issue and that I need to contact the merchant. WE CAN'T CONTACT THE MERCHANT.. they DO NOT respond to us!!! We were scammed, while I understand this was not a smart move on my part to send money to someone via XXXX ; if I have the documentation, why is my bank NOT protecting me? 
I have asked to speak to a manager, I spoke to Barbie ( like the doll she told me ). Then I was told that Chase bank does not have a dispute process for this. They are not protecting my ACH payment. They are saying that I am not protected.
Product: Checking or savings account

On XX/XX/2019 I ordered an XXXX gift card on XXXX for {$480.00}, I paid through PayPal, {$4.00} of it with an XXXX  coupon and the other {$480.00} with my XXXX credit card, but right away the seller cancelled the order, saying they were sorry but it was already out of stock. 
On XX/XX/2019 PayPal emailed me saying " The money has been refunded to your PayPal Cash Plus balance. It will be made available on or around XX/XX/2019. '' but that refund never actually happened. 
On XX/XX/2019 the seller messaged me that I need to file a PayPal claim to get refunded, so the next day I filed a claim, which was closed in my favor shortly after, but no refund actually came, even though I emailed and called and chatted with PayPal many many times. 
Eventually a PayPal representative on the phone said I should just file a claim with my credit card company ( XXXX ), which I did 3 times, but every time XXXX closes the case in PayPal 's favor, saying PayPal is the party that's supposed to give the refund, like they said in the email to me on XX/XX/2019 mentioned earlier. 
Every time I reach out to XXXX they say I need documentation from PayPal proving the refund is supposed to go to my XXXX card ending in XXXX, but every time I ask PayPal for that documentation the representatives say they're not authorized to provide any documents like that, even when I ask to be transferred to someone who can they always say no. When I beg them they just say obviously the refund was supposed to go to the original payment method but we can't put that in writing. They also sometimes say we can't help you with this transaction at all since you already did a chargeback with XXXX ( but I only did that since PayPal told me to ). 
I'm including my PayPal statements from XXXX and XX/XX/2019 to prove the refund isn't there, and I'm also including proof from my XXXX account that I didn't get the refund.
Product: Debt collection

Santander USA is reporting I owe {$11000.00}. I never owned a vehicle with them or had a loan. However, I do share the same name/address with my father. XXXX & XXXX verified ; showing it isn't my debt. I've written XXXX over 8 times regarding this matter, but they haven't verified this account is mine. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the debt amount of {$720.00} that your company did not efficiently investigate, after three separate attempts, and determined I owe. After reviewing my payment records, I have identified discrepancies indicating that this amount is incorrect, as my payments have not been accurately accounted for. The payments I made are as follows : Payment Date : XX/XX/year> Amount Paid : {$120.00} Method of Payment : Cashiers Check Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained as a result of the failure. I believe that your companys actions may constitute negligent noncompliance under the FCRA. Therefore, I request the following : XXXX. Detailed Accounting : A comprehensive breakdown of the alleged debt, including how the amount was calculated. XXXX. Supporting Documentation : Copies of any documents that substantiate the claim that I owe this debt amount. XXXX. Correction of Information : Immediate rectification of any inaccurate information reported to credit bureaus regarding this disputed debt. XXXX. Cessation of Collection Activities : Suspension of any collection activities related to this disputed amount until the matter is resolved. Please provide a written response to this dispute within 30 days of receiving this letter. If your investigation confirms that the debt is incorrect, I expect written confirmation of the corrected balance. If you find that the debt is valid, please provide a detailed explanation and supporting documentation. Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. If you have any questions or require further documentation, please contact me directly at XXXX. Sincerely, XXXX XXXX