23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to submit a complaint regarding the company XXXX and its affiliation with XXXX XXXX. I recently received a debt collector 's notice on XX/XX/2023, indicating that I owe {$2000.00} to XXXX through XXXX XXXX. However, I believe that I should not be held responsible for this payment, and I would like to present a compelling argument based on my email communication with XXXX. 

On XX/XX/2023, I emailed XXXX at XXXX, explaining my situation and expressing my inability to continue the course due to unforeseen circumstances. I stated that I had been involved in a car accident on XX/XX/XXXX, which resulted in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently undergoing XXXX XXXX for these injuries, and it is uncertain whether they will permanently or temporarily impact my daily life. The accident has also profoundly affected my XXXX XXXX, plunging me into a XXXX XXXX. 

The debt collector 's notice I received on XX/XX/2023, was the first correspondence from XXXX or XXXX XXXX since my initial emails. I expressed my hope that I could halt my progress in the course and cease being charged, considering my inability to work due to my injuries. 

In my communication with XXXX, I outlined that I had enrolled in their program enthusiastically, as I am genuinely interested in the subject matter and courses offered. However, my physical and mental health conditions have significantly impacted my ability to continue. I am currently undergoing therapy for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which causes considerable pain when using a computer or typing for extended periods. This, in turn, has affected my motivation and time management. 
I made a sincere request to step back from the course without facing any financial repercussions. I emphasized that should I decide to pursue a career in XXXX XXXX in the future, Avocademy would undoubtedly be my preferred choice. I suggested that XXXX reconsiders its policies and adopts a more compassionate approach to individual circumstances, as treating everyone equally does not mean treating everyone the same. 

Additionally, I mentioned that I have already contacted XXXX, the payment platform associated with XXXX, to dispute the remainder of my payments. I provided them with our email correspondence, medical documentation, and the accident report as evidence. I have also engaged the services of a lawyer to pursue compensation for my injuries, car damages, and pain and suffering. I am currently unemployed and unable to receive unemployment benefits due to being classified as " XXXX. '' I would like to express my deep appreciation for your attention to this matter and for considering my request for an exemption from payment.
Product: Credit reporting or other personal consumer reports

the consumer reporting agencies ; XXXX, XXXX and Equifax have responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. XXXX, XXXX and Equifax Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for XXXX, XXXX and Equifax to verify the collection account information XXXX XXXX XXXX XXXX they are reporting on my credit report and they have failed to do so. It has been over 45 days for XXXX, XXXX and Equifax to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.
Product: Credit card or prepaid card

This is my second time making a complaint about Discover XXXX Card. I was approved in XX/XX/XXXX and they decided to freeze the account until a copy of my bank statement was sent so finally in XXXX after the wait time was over the card was unblocked. During the time Discover allowed me to have the account I experienced fraudulent transactions who I had explained that my roommate who lived with me from XXXX to XXXX must have been the one who had been using the account and even made a few erroneous payments. Discover XXXX card advertised zero fraudulent liability. I explained what was fraudulent and then they mailed me out new cards. After they were done with the dispute Discover closed my account and there reason for closing was a retaliation against me for disputing the fraud. Why offer your customers 0 % for liability and advertise it if youre going to you yes take the purchases are but then close the accounts I know Credit Attorney grantors have the right to close the account for any reason but during the COVID-19 crisis this is just abuse. Banks like discovered need to remember XXXX and how the government bailed most of them out now the American people are struggling and the banking system could care less.
Product: Checking or savings account

Yesterday, I contacted y'all support number to not link my bank account to the XXXX XXXX oXXXX XXXX or XXXX XXXX or XXXX XXXX for cash. It says this internal error occurred. We have been notified about the problem, and for XXXX play, it says this An unexpected error has occurred. Please try again later. [ XXXX ] and XXXX says Something went wrong We couldn't link your bank. Try again later, and I can't connect it to any other apps too. I contacted y'all support team, and they told me nothing is wrong with my account, but my other family can link their bank account to their apps ; please help me fix my issues.
Product: Credit card or prepaid card

Kohl 's sent me a bill due on Sunday   XXXX   2017, a non business day. This was my first bill, and I only had a few days before the payment was due - an inadequate time to setup online bill pay. As the bill is due on a Sunday, I was unable to go to the bank to get cash to make a payment in the store. I paid the bill on Monday,   XXXX  2017 and was subsequently charged a {$29.0 0} late fee. This is an unfair business practice!
Product: Vehicle loan or lease

On XX/XX/XXXX, I visited a local dealership with a pre-qualification letter through Capital One. I asked to only have my credit ran through the Capital One bank, as that was the only bank/creditor that I was willing to work with. The salesperson said that it would only be checked with Capital One bank. I received an alert through Capital One that I had inquiries of multiple banks, such as XXXX XXXX. I did not authorize this inquiry. If the dealership was unable to confirm whether or not they were only able to run the credit transaction through Capital One, they should have informed me prior to the credit transaction. Neither the sales person, nor the sales manager on duty, explained that they would not be able to only run it through one bank. My concern is that I have multiple hard inquiries on my account from XXXX XXXX, XXXX XXXX XXXX and the XXXX XXXX XXXX. Only the dealer and Capital One financial should have been authorized. On the Capital One pre-qualification letter, it states : " Let the dealer know to submit your application to Capital One, which will match your pre-qualification and will impact your credit score ''. 

I did mention this to the dealer and it was neglected. I found this to be misleading on Capital One 's behalf, as they said that my credit would only need to be ran through Capital One Auto Financing. Also, I was under the impression that Capital One would be able to " match '' the amount in which I was pre-qualified for. The interest rates/APRs were too high and I wish that this had been construed better prior use of the pre-qualification letter.
Product: Mortgage

I am writing today in regards to my account with Loancare LLC account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Credit reports XXXX XXXX XXXX, reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. 

However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

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 or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time I noticed unexpected inconsistencies. I even tried refreshing my browser to see if it was a technical glitch, but the errors remained. Given this situation, I kindly request a thorough review of the documents I have provided to ensure I won't have to worry about this issue again.
Product: Bank account or service

Refusal to provide refund I made a purchase using Paypal Credit. The merchant was XXXX and I order XXXX items and was supposed to receive them expedited. I filed a complaint with Paypal Credit case # XXXX when I had not received my items in two weeks. About a month after the original purchase XXXX sent me XXXX items that were completely different than what I ordered. Meanwhile Paypal closed the complaint stating the seller had provided shipping information. I immediately contacted Paypal who told me that he correct the issue and I would be receiving a full refund of my XXXX. That was over two weeks ago. Every since then I have been getting the run around. They told me that I needed to file a complaint about the company, which they never mentioned this during the initial call. I did so with the XXXX Complaint Id : XXXX and Paypal still closed the case. I have sent them several emails and have not received a response. I want a refund plus the interest I would have received if they had returned my money when I initially requested it plus the interest they are charging me on Paypal credit!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit exposing significant shortcomings in consumer protection. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible.

The CFPBs findings reveal Zelles failure to protect consumers and its allowance of repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and undermines trust in the platforms safety and reliability.
Product: Credit card

Bank held my money which caused account payment to be returned and over the limit. I i made a payment when i found out and brought it back into good standing within 1 day. they then closed the account and said the XXXX reward points would not be redeemable
Product: Credit card

On XXXX XXXX, 2024 {$1000.00} in merchandise that I did not order was charged to my key bank credit card. I called XXXX and they indicated some items were being canceled but still a {$700.00} balance for these items remained on my account. I closed my XXXX account and they will no longer assist me information because they claim all data is lost. The bank has denied my claim twice saying the charges look authorized to them. But they have not shared any information as to why. Both of these organizations have designed their customer service teams to ill-serve these kinds of claims and have mde it clear i can not escalate further. BUT I DID NOT ORDER THIS STUFF AND SHOULDN'T BE HELD RESPONSIBLE FOR MORE THAN {$50.00}. I have attached documentation showing the charges on my card, and an email I received from XXXX detailing the items which I DID NOT order.
Product: Mortgage

I applied for a mortgage modification in XX/XX/XXXX. It took two plus years for them to process all of my paperwork. The relationship manager said I had XXXX make XXXX payments in order for the loan to be modified, I made all payments and submitted all forms as requested. I never received anything from Ocwen saying the loan was modified, I sent several emails to my relationship manager as well as calling customer service, the last email I received from my relationship manager in XXXX stated the loan was being modified and I would be receiving payment coupons soon, what I received was a letter in XXXX stating I owed {$3000.00} dollars in back payments and the loan was modified as of XX/XX/XXXX. I asked how that was possible, I submitted all email correspondence to several relationship managers and the research department, I have proof of the payments made through XXXX as requested by the relationship manager, when requested by the relationship manager for Ocwen. My credit has been negatively impacted, my loan is in default again, and the company will not offer reasonable resolutions based on their errors, poor communication, several different relationship managers and customer service representatives handling the matter, and based on the fact I submitted all payments and documents when requested.
Product: Credit reporting

Despite my several disputes, Experian has failed to verify several items on my report. The items still remain on my credit report which is in violation of the Federal law. They have failed to send me copies of the documents that they used to verify accounts for XXXX, XXXX, and XXXX. Supervisor XXXX stated, that is not there responsibility but it is the consumers responsibility, and refuse to remove from my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached and my dispute letter with my ID
Product: Credit card or prepaid card

XX/XX/XXXX : OnXX/XX/XXXX, I received an email from XX/XX/XXXXstating the following : " EARN 10 % CASH BACK WITH CHASE PAY AT XXXX  XX/XX/XXXX = 10 % CASH BACK Shop for millions of your favorite items using your Freedom card with Chase Pay at XXXX in the month of XX/XX/XXXXand you 'll earn a total of 10 % cash back on up to {$250.00} in purchases fromXX/XX/XXXX. '' I had enrolled in Chase Pay and made purchases ( a total of 3 items ) online at XXXX very early in the morning on XX/XX/XXXX. The total for the purchases was {$120.00}. I received emailed confirmation that I enrolled in Chase Pay. I also received emailed confirmation of my purchases at XXXX on XX/XX/XXXX There was clear indication in this emailed confirmation of my purchases that two of the three items were to arrive byXX/XX/XXXX. I noticed the following month I had n't received my 10 % cash back on my account. I called Chase onXX/XX/XXXX to report that I had n't received the 10 % cash back points. I was told I would receive a letter in the mail concerning this issue. As of today, XX/XX/XXXX I still have n't received a letter. So I called Chase today about my not getting 10 % cash back on my purchases. The person I spoke to at Chase indicated that I wo n't receive the 10 % cash back. She indicated that I did n't receive it because the transactions did n't show up on my Chase card until XX/XX/XXXXandXX/XX/XXXX. I read the promotional email from Chase and did n't see anywhere indicating the 10 % cash back was based on dates the transactions would be posted. The content of this email used the words " shop '' and " purchases ''! I made the purchases onXX/XX/XXXX! This is very wrong of Chase to send me this promotional email to make purchases in a relatively short amount of time (XX/XX/XXXX - XX/XX/XXXX ) .I had no control when the transactions would be posted. According to this promotional email from Chase, I had until XX/XX/XXXXto make the purchases at XXXX to qualify for the 10 % cash back! What if I made the purchases ON XX/XX/XXXX? It 's very unlikely that the transactions would post the same day,XX/XX/XXXX!! Are they aware of this fact? I was definitely lied to and misled by Chase and will never trust them again with any promotional offers they make.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three  credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Good morning, I bought my car in 2011. We pay XXXX dollars in cash. 
Registration When I had no knowledge that the words ' 'one lien Recorded ' meant I owed money to the bank. My XXXX is not good now, and at that time was worse. 
I sold my car XXXX days ago as litter, they paid me {$250.00}, and the person handling the crane said I owed money to the bank. The data take my license, and I explained that I had to communicate with the bank. Try every possible way and I could never reach anyone. For this reason it is that I present this complaint and let me know what else I can do. I not owe money and I would like to clean that my recod. I would like to add that I never received any letter from the bank in XXXX years. Thanks and could please answer in XXXX? I would greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suffered from identity theft after the Equifax credit breach. My XXXX  XXXX credit card was used for fraud. I told the bank this and received no response for 18 months after 3 attempts to contact them. I then contacted a different department and agreed to pay off the debt, despite not being mine, if they would show the card as closed but Paid in full '' to which they agreed. They've not updated the information on any of my credit reports.
Product: Checking or savings account

On XX/XX/XXXX I had lost my purse which had my phone and debit cards. When I had gotten a new phone a few weeks later I had seen that there was an atm withdraw and a XXXX payment sent for over {$2400.00} which the same day I had received my tax refund for {$2700.00}. 
I made reports to my bank which is chime. I had explained everything. I even ordered new bank cards and my claim was instantly denied. 
My ENTIRE tax refund was stolen and have had no help to retrieve it. 
I also requested to know why my claim was even denied and have gotten nothing back!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, 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: Credit reporting or other personal consumer reports

Experian is not removing old accounts that are paidXXXX XXXX XXXX XXXX XXXX last updated in 2019. The other credit bureaus removed this mistake long ago. Also, hard inquiries are slow to come off my report. Just upset that Experian refuses to do anything about this after several attempts. This is keeping my credit score at XXXX. A full XXXX lower than the others. Tired of this lazy company not doing its job and holding me XXXX. I did my part by paying everyone a year ago it more. Time for Experian to do their part and be held responsible. Thank you
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding inaccurate and incomplete information reported on my credit file for the above-referenced account. Additionally, this account was previously disputed, yet no proper investigation was conducted, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ).

Inaccuracies and Federal Violations Identified : Incorrect Balance Reporting The account is reported as paid off, but no balance is displayed. If the account is paid off, the balance should reflect {$0.00} rather than being left blank.

Failure to Provide Complete Creditor Information The original creditor is missing from the report, violating FCRA guidelines that require full disclosure of account details. 

Failure to Properly Investigate Previous Dispute I previously disputed this account, but Experian failed to conduct a proper reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

The inaccurate information remains on my credit report, which is a violation of my rights under federal law. 

The report states that the account was closed in XX/XX/year>, yet also lists a last payment date of XX/XX/year>. If payments were made after closure, this is contradictory Account # XXXX