23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

For the past ( 2 ) months I have been trying to access and pay the bill on my Commetity Bank- Big Lots Charge Card. When I received the card I was prompted to create an account on the store app. I have used it successfully a few times,, however more times, especially when time was of the essence, unsuccessfully. 

The app which not only uses face ID and two factor verification to sign on, puts me through these paces, then spins round and round for age, failing to load. I have to close the app again and again because it repeats this process without ever loading. 

I usually begin to attempt paying my bill on the XXXX the days I usually get paid. My bill is not due till the XXXX and for two months I had to set reminders to keep trying the app to pay the bill up to the last minute, then having to scramble to call customer service to pay my bill over the phone. 

I have good credit. I pay all of my bills on time. When I have to call a creditor at work and wait so long to finally speak to someone to take a payment that I have already set up digitally we have some major issues. For the last ( 2 ) months I've missed the due date because I forget to call in, and then I make the payment at XXXX but it's already XXXX EST so my payment is late. I'm on the West Coast in the PST time zone. 

I live as busy a life as the next guy but Commetity Bank should offers it's clients a digital platform that can be counted on to work on a consistent basis. I should not be penalized because it takes so much effort to make a payment on an account that i have a digital app that suppose to support my payment attempts. I have never had this problem with any other apps or creditors.
Product: Checking or savings account

On XX/XX/2021 I contacted Wells Fargo to dispute some charges. I spoke with an agent and requested a credit. The agent advised me it would take 10 days. I advise the agent that previously I didnt have to wait 10 days. The agent stated that was a previous call but on this call I would have to wait. He stated that the claims department was who I spoke with the last time. I requested to speak with the claims department. The agent at that time called me a XXXX. It was stated under his breath but I heard him. I asked him if he called me a XXXX and he laughed it off and said he didnt say anything and transfer me. I will be filing a lawsuit against Wells Fargo for misconduct and mistreatment.
Product: Debt collection

I filed a complaint against Omega RMS ( complaint # XXXX ) with CFPB on XX/XX/23 which has since been closed. I mailed a debt dispute letter, in writing, within 30 days of receiving the original notice of debt. Omega RMS claims to have received that letter on XX/XX/23, however, still contacted me which is a violation of the FDCPA. Once again, Omega RMS has broken the law as I have never received any debt validation letters as required by law, yet they still proceeded to report the debt to the credit bureaus on XX/XX/23. Under the FDCPA, section 809, if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Today is XX/XX/23 and I have yet to receive any such documentation. Furthermore, I received a call from Omega RMS once again on XX/XX/23 at XXXX, another clear violation of the FDCPA as it states, to continue to pursue the debt, they are required to provide proof, by mail, if not, the collection calls must stop. Due to these violations, I request the debt be removed from credit report within 30 days.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX - XX/XX/XXXX XXXX remove XXXX XXXX charge off from my account. Account number # XXXX. Trans Union and XXXX XXXX are continuing to report the above Account. According to the Fair Credit Reporting Act the three Bureaus must report accurate information. Trans Union and XXXX are in violation of 15USC1681b. This accountwas removed from XXXX as of XX/XX/XXXX - XX/XX/XXXX, it was reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my credit report being accurate and verifiable. Trans Union and XXXX fail to remove the Information even thought they have fail to verify the account and notify in 5 days as reported from the FCRA. I am confused why Trans Union and XXXX are still reporting this accountand they have access to the same Information that XXXX do? Please provide me proof that this account has been properly verified or remove immediately from credit report. Please provide me with the name of the person that verified the account, when it was verified and what tactics was used to verify the account.
Product: Credit card

In early XXXX of XXXX, applied for a discover bank credit card. I was approved. I used it almost immediately, then signed up for direct withdrawal in late XXXX. Their website approved my request for direct withdrawal of minimum payments. 50 was taken out mid XXXX, so I was with mindset that everything was good to go and didn't need to check in on the account. Come XXXX of XXXX, I was informed by XXXX XXXX account that my payment with discover was delinquent. I found out that my submission for discover account setup was reset and that I wasn't supposed to be able to be eligible to setup until a month after account was opened, leading me to think their system let me set it up prior to eligibility, forcing my account to reset. Since then I have been in contact with discover, it took a few calls but eventually I made contact with someone who realized the mistake and took the delinquent charge away. But that opened up an ongoing hit to credit as the bureaus see this as delinquent and now my other creditors are lowering my credit on the cards I had well before I had discover. I've always kept decent credit and this is really destroying my livelihood and mental health. I've paid money to send certified letters to bureaus explaining this issue. I've contacted everybody to fix this issue and I can't seem to get anywhere. Tell me what I need to do here because I can't even get a loan to fix my house at a rate I could have had had this not happen, I make enough money for one but refuse to pay more than I should. Also, I never once received a bank statement or an email from discover of amount due from XXXX to XXXX ( when I started my complaints ) and yes I understand it is not their responsibility to send me a statement.
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 privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, XXXX, # XXXX, XXXXXXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX. 
15 u.s.c 1681 section 602 A. States I 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 Report containing any the following items of information other then records of convictions of crime which antedates the report by more the 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was sent to collections by XXXX XXXX for {$50.00} which I already paid to them the moment they advised me it was owed on XXXX/XXXX/24 ( See attached ) Their system shows I paid the debt. Yet, they decided to send me to collections. The collection account was reported to all credit reporting agencies which damaged my credit.
Product: Checking or savings account

I opened a XXXX  Checking Account with HSBC Bank they have several safety screens to log on. At the time I opened the account it was not apparent that their physical branches do not support their online customers. After trying several times to get in touch with the bank online I did not know I had the wrong number to reach them. It was only after going again to HSBC that someone wrote a number by hand and said this is the only way you will get through. I was finally able to get through after a long wait. During this time the bank was deducting a $ 50 monthly fee the deducted {$500.00} I asked them to review as I had no access to the account and they acknowledged that reversed only {$250.00}. I placed a complaint on their site it says they will take 10 days to review XXXX has been reviewing for over a month XXXX was filed. I at that time requested my account closed and my money returned they were supposed to send me a check instead they kept my funds now charged another {$50.00} fee for XXXX this is closing in on XXXX and I fear another charge.
Product: Student loan

I experienced a financial windfall after my first year of college, and wanted to repay the unsubsidised federal loan that I had taken out, before it started accruing interest. When I went to the student aid website, I learned that my loan was handled by a loan servicer, and that I could n't make payments directly, but I had no way of knowing what company that servicer was, or how to begin repayment. Navient, my student loan servicer, sent me a letter of introduction over 6 months later, and informed me I had already accrued over {$250.00} interest on my loan - even though I had no way to pay it back before they contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # 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 also states consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I recently had my hours cut from Full time to Part time and I explained myself to them asking what could be done to get assistance. They basically told me they can only " extend my due date out a week and a half '' it made no sense!! I pay XXXX per month and they literally call and leave a voicemail every single day. I've asked them to stop and it doesn't stop. Nobody on this earth, thought COVID would happen and for the companies to not have a system in place after almost a year doesn't make any sense and they shouldn't be allowed to harrass people for payment.
Product: Debt collection

I have tried numerous times via telephone and disputing on XXXX.XXXX  to resolve this issue. I have been informed a number of times by XXXXXXXX XXXX XXXX that they refuse to look into the incorrect billing nor do anything about this situation. Going back into 2019 I was informed by my former insurance company that this was a double bill and the original bill was paid in full. The hospital then turned my wifes bill over to a collection agency, which violated HIPAA laws due to personal information. 

XXXXXXXX XXXX XXXX for XXXX XXXX  XX/XX/2019, {$1000.00} and {$6300.00}
Product: Credit card or prepaid card

PayPal security is blocking the use of my PayPal Credit/Synchrony account with vendor XXXX. 

PayPal Security was able to *assume* a security risk preventing use of PayPal Credit/Synchrony account. PayPal security was unable to explain any *risk* blocking the use of this account after conversing with three representatives in the past 24 hours. XXXX, PayPal Security Supervisor, was forced to acknowledge PayPal 's failure to serve my needs this morning on a recorded line. 

PayPal Credit/Synchrony has approved many successful transactions in the past month as there exists NO ISSUE WITH MY ACCOUNT OF ANY KIND. Meanwhile, PayPal can not explain its denial of my right to do business with XXXX. This is financial discrimination and a violation of my basic consumer rights.
Product: Mortgage

I would like a full investigation as to why PennyMac denied me for a loan modification Loan # XXXX. I fell on hard times last year XXXX and fell behind several months on my payment, I contacted PennyMac for solutions but I was told that i did not qualify because of my financial situation, I was directed to call them back if my financial situation improved so I could be evaluated for a solution. XX/XX/XXXX I got a new job and started making enough to cover all my needs, I started a modification process with PennyMac as of XX/XX/XXXX and was NEVER given a single point of contact, I've been bounced around from one representative after another with no progress. Last assigned representative is this XXXX XXXX lady who has been anything BUT helpful XXXX XXXX Ext XXXX, I've had to submit the same documents endless times and I was also told by her and other representatives that the foreclosure process would STOP until the modification process was over which did not happen. I found out that I have my foreclosure sale date on XX/XX/XXXX AND I WAS STILL SUBMITTING DOCUMENTS TO THIS XXXX LADY LAST WEEK!!!! I WAS ALSO CONTACTED BY AN APPRAISER FROM PENNYMAC WANTING TO DO A FULL APPRAISAL ON THE PROPERTY ON FRIDAY XX/XX/XXXX. It is my believe that PennyMac had no intention of letting me keep my home that's why they were processing the modification and foreclosure at the same time and even ordered the appraisal.
Product: Credit card

In XX/XX/year> I received a letter about unclaimed funds, a check had been sent to an old address. The letter indicated I needed to sign and return a Check Reissue Affidavit to prevent my funds from being released to the state of XXXX. I completed the affidavit and went to a Chase branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on or around XX/XX/year> to have them fax the letter. The branch worker faxed the letter and I never heard further from Chase on the status of my funds. On XX/XX/year>, I called the customer assistance line as it had been longer than the XXXX to XXXX weeks indicated it would take for me to receive a reissued check. The representative I spoke to, XXXX, said that due to the volume of incoming faxes received at the fax number, many did not go through. She indicated there was no record of my fax being received and that my funds had been transferred to the state. At this moment I am unable to find my funds through the states unclaimed property group. There is clearly a process failure here when the fax number as indicated on the letter is not actually able to receive the volume of incoming calls and there is no mechanism in place to notify the customer of that.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please correct this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts. To support my dispute, I have attached relevant documentation, including payment receipts, bank statements, and any other necessary records that clearly demonstrate the payments were made within the specified timeframe. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the correction and a copy of the updated credit report.
Product: Checking or savings account

I maintain account with Paypal. Account is frozen, and I can not remove funds because of " compliance '' issues. Paypal compliance insists on needing a XXXX from me. I sell jewelry online but i do not buy from the public so a XXXX is NOT needed to be developed by me. Paypal is giving me the run around for 2 months, I can not talk to anyone in Compliance over there, and my account is frozen with no ability to withdraw funds
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX 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 antedsates 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed {$0.00} XXXX XXXX XXXX XXXX Balance Owed {$0.00}
Product: Credit reporting or other personal consumer reports

An account that I do not recognize has appeared on my credit report. I suspect it could be related to identity theft or fraudulent activity.
Product: Debt collection

I had XXXX XXXX through an agency XXXX XXXX in XXXX, Maryland. I cancelled the policy and switched to another carrier. Because if the timing XXXX OWED ME a balance and has since paid me for the extraneous funds in my account. I now have XXXX. XXXX XXXX constantly sends letters after Ive called and told them i dont owe anything to XXXX. I contacted the insurance agency spoke with XXXX XXXX and XXXX XXXX And XXXX XXXX yet im still recieving threats to put a balanc eof XXXX and XXXX onto my credit reports. i dont owe anything.
Product: Debt collection

Received notice from Afni, Inc for collection of a debt today XX/XX/20, print date XX/XX/20. The mailing included notice that a negative credit report may be submitted on my credit record with a credit reporting agency. The " debt '' in question of {$86.00} was stated to be for XXXX XXXX. I contacted XXXX XXXX and they have No record of outstanding or unpaid debt. This attempt to collect is not based on actual debt owed. I have mailed a request for validation of the debt to Afni, Inc as I dispute this.
Product: Debt collection

I, XXXX XXXX am speaking for myself in this claim. SUNRISE CREDIT SERVICE is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. this negative reporting on my credit report has cost me securing a new car. SUNRISE CREDIT SERVICE is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to SUNRISE CREDIT SERVICE for whatever the reason, I have include, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting or I will full exercise my rights and seek remedy in full.
Product: Credit reporting or other personal consumer reports

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported.

Please see this account is removed from my file at once. 

Bankruptcy XXXX XXXX Reference # : XXXX. 

If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within XXXX  days of this letter if its not removed ....