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

When sending money out of your PayPal account to a 3rd party, they present you with multiple funding options. Regardless if you select your PayPal balance OR select your " linked bank account '', the system clearly states, " the money will be sent right away '' for both options. However, when sending via the linked bank account, after you click " send payment now '' the system says that the payment has not been sent instantly and instead will be pending for 5-10 days. Additionally, there is no way to cancel the payment and the PayPal customer service is aware of this misrepresentation and says the system has been broken for over a month. Customer service also refuses to cancel the payment even with their " broken '' system.
Product: Credit reporting or other personal consumer reports

XXXX  loan has been approved for remove and has not been removed off my credit. XXXX  account was removed and closed because of misconduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dep Of XXXX : Inaccurately, inconsistently, and unfairly reporting. Additionally, Transunion, XXXX, XXXX are parroting inaccurate information. 

XXXX : Is inaccurately reporting OLDER DERAGETORY EVENTS on my consumer reports. Specifically : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are all being reported as 90 days late in a 30 day period. This is mathematically impossible to report 90 days late in a 30 day period. This is a clear FCRA violation and Metro 2 violation. 
I want this inaccurate, inconsistent reporting deleted from my consumer file. It is costing me much pain and anguish and costing me higher interest, and loan denials. 

TransUnion : Is inaccurately, inconsistently, and unfairly reporting on my OLDER DERAGETORY EVENTS on my consumer file. Specifically : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; all are being reported as 90 day late in a 30 day period. This is impossible. there are no 30, 60, day 's late being reported.

This is a clear FCRA violation and Metro 2 violation.

I want this inaccurate, inconsistent reporting deleted from my consumer file. This reporting is costing me much pain and anguish and costing me higher interest, and loan denials. 
XXXX : Is inaccurately, inconsistently, and unfairly reporting my OLDER DERAGETORY EVENTS, on my consumer file. Specifically : XX/XX/XXXX, XX/XX/XXXX, is reporting 90 days late in a 30 day period. There is no 30, 60 day, sequence, this is inaccurate and inconsistent reporting. Please delete : XX/XX/XXXX, XX/XX/XXXX from my consumer file, this is costing my pain and anguish, my XXXX XXXX is high due to higher interest rates and credit denials, I have received due to this inaccurate reporting.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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

I am writing to WELLS FARGO CARD SERVICE to formally dispute the accuracy of certain information in my credit report, which I obtained from your agency. Pursuant to XXXX USC XXXX ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation of these items in questioned. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX  XXXX  : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate
Product: Prepaid card

I purchase a Vanilla Gift card on XX/XX/XXXX. The card has no expiry. The recipient tried to use in XX/XX/XXXX, and he was unable to use it. He called the customer service on the " back '' of the digital gift card on XX/XX/XXXX, and they informed him they would refund me for it. I can see that there they have zeroed out the {$100.00} balance from the gift card, but I have not yet received a refund. When I called them, they told me that the recipient has to call them to " verify '' certain information in order for me to be refunded for my purchase of the gift card. I have since been on hold for 30 minutes after I asked to be escalated to a manager. Based on online reviews of this company, I don't anticipate they will resolve this for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN, I AM XXXX YEARS OF AGE AND MY IDENTITY WAS STOLEN I NEVER HAD SO MUCH OF THE DEBT AND CREDIT CARD IN MY WHOLE LIFE LIVING SOMEONE HAS PRETENDED TO ME AND IM JUST CHECKING MY BECAUSE I WANTED TO BUY ME A HOUSE FOR ME AND MY XXXX   HUSBAND. I DONT KNOW HOW MUCH THE AMOUNT WAS ON EACH NEGATIVE ITEMS BUT CAN YOU PLEASE INVESTIGATE AND DELETE FROM MY CREDIT REPORT PLEASE.
Product: Debt collection

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. I sent a letter to AAMS XXXX and I have yet to hear back about in regards to the status of that letter.
Product: Mortgage

On XX/XX/XXXX I refinanced my mortgage loan through XXXX XXXX XXXXXXXX and provided them with an active insurance policy that was in effect until XX/XX/XXXX. Right after the first payment was made, XXXX sold the loan to NewReZ LLC. Shortly after NewRez took control, they sent me a letter indicating they did not have my hazard insurance information. I called and emailed them to tell them they should have obtained this information from XXXX during the service transfer, and I also gave them my XXXX XXXX agent name and phone number so they could resolve the issue. I know it is the responsibility of both mortgage companies to ensure this transfer is executed competently. A month later they sent me another letter and I responded again with my agents name and number. Apparently, they never called my insurance agent to get the correct information in place. On XX/XX/XXXX, NewRez sent another letter telling me they have issued lender-place insurance and charged my escrow account {$1500.00}. On XX/XX/XXXX, I called XXXX and spoke to NewREz Customer service agent XXXX in XXXX TX and told her to call my agent to get the issue resolved. She was rude and refused to follow up. I had her transfer me to Customer Service supervisor XXXX XXXX in XXXX FL who was also rude, unhelpful and did not want to call my agent. I had him transfer my complaint to his boss - XXXX XXXX at XXXX x XXXX. I left a voice mail on XX/XX/XXXX and another on XX/XX/XXXX with no response. I expect NewRez to take responsibility for the error during the transfer of my loan from XXXX, apply the correct loss payable clause to my insurance policy, refund the lender-placed insurance and pay the NOW DUE premium to XXXX XXXX. Please advise. After discussing this issue with my insurance agent, they inform me they were not aware of the change of lender and invoiced XXXX for the new premium with no response from XXXX.
Product: Credit card or prepaid card

The issue I am having with capital one is interest I was charged for {$5.00} after my balance was paid in full for the previous month. I called capital one on XX/XX/2021 to ask why my account was charged interest and was told that although my payment was paid in full on XX/XX/2021, that bills must be paid in full for two months consecutively before no interest is charged. I explained to the representative this is not how interest is calculated. I explained interest is charged on balances carried over and I had no balance after I paid my bill in full on XX/XX/2021. My statement does not cut until XX/XX/2021 although this has not been consistent. The team member then stated the interest was from my billing statement from XXXX as I had a balance of {$390.00}, I explained to the representative that is correct and that payment or the minimum was due by XX/XX/2021 and the payment was paid in full prior to the due date on XX/XX/2021. I told the team member I should not have a balance due for XXXX but yet I do for interest on a paid bill paid in full. The team member did not seem knowledgeable in credit nor did they offer to escalate the concern. The team member I spoke to said their name was XXXX and had an ID number of # XXXX, located in the XXXX. This is not the first time Ive had this issue with Capital One. Years ago when I opened the account and paid my balance in full, I was charged interest. When I called about it at that time the team member apologized and stated this should not had happened and waived the interest. This time, this was not done and although {$5.00} is not a lot of money its the principle. I would like for them to waive this interest as it should not have been charged and put the proper controls in place so their system is able to identify when balances have been paid in full, also to put a process in place on how to recognize complaints as I mentioned contacting the CFPB and the team member had no idea of what the CFPB was and ignored the concern at hand.
Product: Debt collection

My former husband contacted me to let me know Windham was looking for me for collections on my student loans. Odd 4 weeks ago, I sent up payment arrangements with windham directly with a female, have record of emails and signed paper work with them and they even have my cell number because that 's how I have communicated with them. So why are they contacting my former spouse when he has nothing to do with it threatening that he is responsible for part of the debit. 
The number my former spouse gave me was XXXX, the number I have is XXXX. I 'm so angry. I understand that thetells is a debt owed to an amount but I sent up payment plans for the next 8 months just 4 weeks ago, payment processed, not a problem.
Product: Credit reporting or other personal consumer reports

After finding out in XXXX XXXX XXXX that information on my credit report was not mine and I did not apply for certain things that were listed I opted out of all financial Companies that I could find Experience and XXXX did not get back to me at all and due to the data breach I know and feel my information has breached and I'm asking for it to be removed
Product: Credit reporting or other personal consumer reports

{ Account Number : XXXX { Original Creditor : XXXX XXXX { Amount as Listed on Credit Report : {$550.00} To Whom It May Concern : Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( Experian, XXXX, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 
If you agree to these terms, I will : Pay the amount of $ XXXX via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was offered a loan to pay for this car monthly in XXXX Although, I made a down payment I did not give permission to this company to add this on my credit. By law they need my permission to add anything on my credit report from law FCRA section 605 ( b ).
Product: Mortgage

Carrington Mortgage intentionally reported my account 120 days delinquent while on a trial payment period. I was making the monthly trial payments and received nothing in writing to confirm the payments. This company has sent me regular bills for an amount that does not reflect the trial payments, nor the payments deferred per the CARES act. I have called and emailed a supervisor, XXXX, on numerous occasions. I have received conflicting advice and opinions each time. I was told that the credit reports would be corrected, but they weren't. I was told the loan modification is complete but received a bill with an amount due of {$29000.00}. This company violates the basic rules of customer service. Each call is a dramatic episode where NO ONE know what they are doing and every word conflicts with the other. I would like help in order to correct my credit report and ensure this company isn't taking advantage of me and fraudulently places my house into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this unrecognizable collection account and inquiries several times to Equifax now and yet it is still reporting and is affecting my scores negatively. I need to see proof that I gave my consent to report my medical information in accordance to HIPAA law. 
I do not recall giving permission to release my medical information to a third party.
Product: Credit card

Total Visa has been charging {$30.00} late fees to my account even though I have had automatic payment set up. The company sends these late fees making my automatic payment higher and then credits me back the late fee. The credit card company has been doing this for several months.
Product: Checking or savings account

On XX/XX/2022 Citizens bank removed XXXX funds allocated for my bill in my checking accounts for so called offset after they instructed me to make a payment arrangement with a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA section 605B, the credit reporting agencies have the duty to block any and all accounts noted to be attached to reported identity theft. On XX/XX/XXXX, I submitted a dispute to initiate this process via mail. According to the previously cited congressional act this process of blocking these legally cited accounts should take no more than 4 days, yet the process is nearing 30 days.
Product: Debt collection

The original creditor ; The XXXX XXXX XXXX transferred and account to Consumer Adjustment Company. The account was disputed back in 2018 with the original creditor due to identity theft. My Information was stolen during the XXXX  data breach and it was resolved and removed from my credit but now the debt buyer has reported the account on my report. I have not received any proof of debt which includes the original application of such credit card with my signature.
Product: Student loan

I attended law school from XX/XX/XXXX-XX/XX/XXXX. I took out Stafford subsidized and unsubsidized loans each of the  three years. In XX/XX/XXXX, I consolidated my XX/XX/XXXX loans with XXXX ( Access Group ). In XX/XX/XXXX, I  consolidated my XXXX loans also with XXXX  ( Access Group ). With both consolidated loans, they remained in forbearance until I graduated in XX/XX/XXXX. When I signed up for the consolidation, as an incentive for consolidating with XXXX, I was promised a 1.00 % rate reduction upon 36 on-time payments. Unknown to me, by consolidating the loans at the time I was still in school ( and in forbearance ) it made me permanently ineligible for the 1.00 % reduction. My loans were transferred to XXXX, and then recently to XXXX. Only now that the loans were transferred to XXXX did I learn that I have not been receiving the reduction for the last 8 years because of the in-school forbearance. Had I known of the permanent ineligibility for the reduction, I would not have consolidated with XXXX at the time that I did- I would have waited until after I graduated.
Product: Money transfer, virtual currency, or money service

My fianc and I called XXXX XXXX ( XXXX ) to recover an old account that we couldnt access due to not having access to the old number and email attached to the account. They then stated that there is another way to recover the account and asked for remote access to both of our phones, accessed both of our XXXX XXXX, My Bitcoin through XXXX XXXX, and My XXXX Account. They took about {$600.00} of my fiancs money through XXXX XXXX and Bitcoin. And then took about {$1000.00} from my XXXX Account through 2 transactions. One for {$600.00} and one for {$400.00}. They also called back on a few numbers. Before we knew for sure that it was a scam, it was too late and they had our money. I even contacted XXXX XXXX through my computer during the call to ask about the legitimacy of this number and verification process and they didnt seem too concerned at the time. It was early on in the call before the larger amount was taken. We eventually hung up and called back and were informed that it was a scam. They then said we needed to purchase a card at XXXX to return our money but we did not and hung up. I immediately contacted my bank and filed a claim which was denied. Ive been messaging them for weeks trying to get them to re open the case. Chase Bank wont help me because it was done through remote access and XXXX and they dont see anything by looks fraudulent on their end. And the true XXXX XXXX can not help due to the scam and transactions not being made through XXXX XXXX  in any way. I am now behind on multiple bills, no groceries for my toddler and {$11.00} to my name and Im running out of options on getting this resolved and my money recovered. Please let me know if there is any other information I can provide to work towards resolving this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX, XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ; XXXXXX/XX/XXXXXXXX XXXX, XXXX ; XXXX XXXX  XXXX, XXXX XXXX, XXXX.
Product: Debt collection

There was a loan taken out by someone else in my name and the company, speedy cash, has since sold my information to a 3rd party debt collector, AD ASTRA recovery. I did not authorize or consent to the selling of my information and now AD ASTRA prints the debt on my credit report every month when I didnt even give them consent to access my credit report in the first place, let alone furnish incorrect items on there every month. This not only violates my rights as a consumer under the FDCPA but also under the FCRA as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding errors that appear on my credit report. It is my understanding that you must provide a complete and accurate account of any tradelines that you are reporting. However, there are several pieces of missing information that are adversely impacting my credit score. I have outlined below, in detail, what is missing. As a result of several missing payments, the date of first delinquency is not reporting. Therefore, the estimated date of removal is not calculating correctly. The date is being calculated based on the charge off date. However, the date should be calculated based on the first time the account went delinquent and never resumed positive status. 

XXXX. XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off XX/XX/XXXX. 

XXXX. XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge of XX/XX/XXXX. 

XXXX. XXXX Date Open : XX/XX/XXXX Payment History Missing : Entire payment history is missing. 
The entire payment history is missing. 

XXXX. XXXX XXXX XXXX  Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off XX/XX/XXXX. 

XXXX. XXXX  Date Open : XX/XX/XXXX Payment History Missing : Entire payment history is missing The entire payment history is missing. 

XXXX. XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off XX/XX/XXXX. 


XXXX. XXXX  XXXX  Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX. 
The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXX. XXXX  Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXX. XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

XXXX. XXXX XXXX  Date Open : XX/XX/XXXX Payment History Missing : XX/XX/XXXX XX/XX/XXXX The first missed payment is missing. The first status reporting is charge off on XX/XX/XXXX. 

35 % of my credit score is my payment history. On each of the accounts listed above, several years of positive payment history were erased. Additionally, 15 % of my credit score is average age of accounts. Although the date opened is listed correctly, the account age appears to be significantly shorter than it is by redacting several years of history. 

The number of times that I have disputed these accounts to have them come back as confirmed reported accurately is excessive when the errors are blatant.