23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been having a great deal of problems with payment acceleration ( as opposed to application to principal ) and payoff processes with both XXXX XXXX Borrowers and, especially, with Navient. I repeatedly asked that payments in excess of monthly minimums are made toward principal and they instead move out my next due date. I was told that moving out the due date was " the same thing as applying toward principal '' which it is clear not. At best, this is fraud ; at worst, this is a systematic theft from borrowers where the company puts up onerous barriers to prevent principal payments and uses intentionally obscure language and interfaces surround application of overage payments.
Product: Money transfer, virtual currency, or money service

Hi to whom it may concern, I made money transfer through my PayPal account with my XXXX XXXX XXXX debit card on XX/XX/2018 in the amount of {$500.00} and was charged a fee of {$14.00} bringing the total to {$510.00} to my daughter in XXXX. when my billing statement came in at the end of the month the transaction amount of {$510.00} was included. meaning I had transferred the money to my daughter with my PayPal card. I called and explained to them that the money even though was sent through PayPal was credited to my debit card. Show me proof was requested by PayPal I gave them proof from my bank account instead of PayPal crediting me back my money, PayPal sent an email to my daughter in XXXX requesting her to refund the money. Money I paid from my own pocket. all efforts to have PayPal resolve this matter quietly and simply has failed. PayPal has gone to the extent of referring my daughter to a collection agency to collect money I paid to my daughter from my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2020 I wrote TransUnion credit reporting agency a letter informing them that they are reporting inaccurate information about a Bank XXXX XXXX account ( {$6000.00} ) that do not belong to me. ( Plz see XXXX ). In my letter I asked them to plz validate the information with XXXX and for them to provide me with copies of any documentation associated with the alleged account. 

On or around XXXX of 2020 I sent a XXXX attempt letter to TransUnion to give them another chance to delete all of the inaccurate/unknown accounts that do do belong to ma. ( Plz see XXXX & XXXX ( b ) ). 

From or around XX/XX/2020 I made a XXXX request for Trans union to delete the fraudulent information they are reporting about accounts that do not belong to me. ( Plz see XXXX XXXX & XXXX - ( c ). Their response was that they completed their investigation and that they believe that the accounts belong to me. TransUnion never sent me any information that would validate this. I demanded for them to validate these alleged debts also to show how/the method which was used to validate. Also, I asked TransUnion how did you validate the alleged debts when the actual so-called creditors couldnt verify nor validate the debts themselves?
Product: Vehicle loan or lease

This vehicle was returned under SCRA in XX/XX/2020. The vehicle has been grounded but they refuse to close my account. I call almost every week trying to figure out how to get this account closed and how to get it off my credit report, but Hyundai Motor Finance transfers me to department after department with no resolution. For almost seven months now, everyone I speak with promises that they will close the account but no one ever does. So I call back and the same thing happens with no resolution.
Product: Debt collection

XXXX Stephens & Michaels Associates, Inc. 
XXXX XXXX XXXX XXXX, NH XXXX Toll Free : XXXX Fax : XXXX Email : [ email protected ] Caller : Stephens & Michaels Associates, Inc. 
Call Type : Debt collector they keep calling and either will not spealk or call me a liar when I say its not me they are looking for.
Product: Money transfer, virtual currency, or money service

On XX/XX/ I was persuaded into sending a person on social media with a high following a total of {$2700.00} by cashapp and XXXX. {$2000.00} XXXX  and {$730.00} cashapp. I found this person from a girl I follow on XXXX and XXXX with a very high following. I made a mistake into trusting this person, basically I was going to make an investment through cashapp and receive a higher amount of money, a money flip. Everything seemed legit, he sent me screenshots of the process, screenshots of other receiving their pay. After money was sent I was blocked and felt absolutely horrible, I was emotionally damaged as I worked hard for my money. I reported it to my bank as fraud because that is what it felt like. I felt bad and honestly stupid for trusting someone with such high amount of money. This person blocked me but I have his XXXX and XXXX XXXX. I have the claims I submitted to my bank and the letters the bank sent me. I have his screenshots of the work that he does. I also have a police report I made on him.
Product: Mortgage

A recent check on the XXXX XXXX XXXX XXXX XXXX found a foreclosure case filed against me by a Gregory Funding/GREAT AJAX OPERATING PARTNERSHIP LP. There were motions submitted for approval and hearings held on this case without being served or even a summons being issued by the court. I spoke to the attorney of XXXX XXXX XXXX XXXX XXXX and asked that he cease and desist because there was fraud being committee upon the court in this file and to cease and desist all actions against me because I do not owe this debt. The original default on this debt was in 2007 which in the state of florida puts this out of the statute of limitations. I do not owe this debt to this company even if that was possible without fraud being committed it is out of the statute of limitations. I plan on contacting every federal state regulatory agencies including the bar to complain about this attorney moving forward with fraudulent documents for his client. I am willing to take this to the supreme court if I have to because I do not owe this money to this entity. I have no idea who they are and I will not pay an entity that will try to strong arm me to pay by abusing me and the judicial system. This is a notice of error and to cease and desist foreclosure efforts because I do not owe this debt. They are in violation of Tila Respa FDCPA and Dodd Frank. I will make sure that all agencies are apprised of their fraudulent actions.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I identified inaccurate items on my credit report and filed a dispute with XXXX and experina, asking them to verify the account. The items in question relate to XXXX XXXX XXXX 
Account Number. Despite providing all the required documentation and following up on XX/XX/2023, I received no response, demonstrating a lack of due diligence in investigating the matter. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) of the F.C.R.A., the credit bureau is obligated to conduct a reasonable reinvestigation and remove unverifiable items which have not been adhered to in this case. 


XXXX took XXXX letters for them to verify the account as accurate but failed to advise the description of the procedure used to determine the accuracy and completeness of the information under the 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) or proof of this alleged item, specifically the contract, note or other instrument bearing my signature, demonstrating a lack of due diligence in investigating the matter, The items in question relate to NATIONAL CREDIT SYSTEM. also I would like to point that XXXX validated a debt and the debt collector has not validated the debt with me The incorrect items and the subsequent refusal to validate or remove them from my credit report have precipitated a cascade of detrimental financial and emotional consequences for me. My credit score has been unjustly reduced, resulting in loan rejections and subjection to exorbitantly high-interest rates for essential credit facilities, such as my mortgage and car loan. Furthermore, the inaccurate credit report has necessitated higher security deposits for utilities, exacerbating my financial strain.

The emotional toll has been equally devastating, inducing consistent stress and XXXX as I navigate through the quagmire of resolving these inaccuracies. The mental strain from dealing with persistent calls from debt collectors, coupled with the fear of additional erroneous entries tarnishing my credit report, has been overwhelming. This has not only usurped countless hours that I could have devoted to my work and family but has also sown discord in my personal relationships due to the perpetual worry and financial instability.

The culmination of these issues has also necessitated the incurrence of additional costs, such as legal consultation fees and costs for sending certified mail to various entities in an attempt to rectify my credit report. These financial and emotional burdens are direct results of the inaccuracies in my credit report and the subsequent lack of adequate action to rectify them.
Product: Debt collection

XXXX XXXX  assigned me to synchrony bank approval for a product purchased and returned during in home trial period before expiration of in home trial period in complete excellent condition base and mattress and remote!, this purchase was telephonically made in error and mis represented product to a consumer who suffers from service connected veteran injuries XXXX in nature!, XXXXXXXX XXXX corporation XXXX  MN, XXXX, is sticking me the consumer with a XXXX XXXX dollar restocking fee for a base unit that's only interchangeable with their brand mattress!, that seniors were not properly informed that base unit sale is final!, so my synchrony account will have a debt that is not warranted to this consumer!, this fees should be waived in full!, full credit should be returned immediately, XXXX XXXX commercials are misleading in nature their products have different models with different features and varied price categories that were poorly explained by telephone representatives!,
Product: Checking or savings account

From XX/XX/2023 - XX/XX/2023 {$57000.00} were charge and deducted from my Chase bank accounts. I contact the bank and dispute this charges were not made by me, the charges were from two companies - XXXX and XXXX. I've use this companies in the past and never use that much money and stop using this companies as of XX/XX/2023. In XXXX and XXXX the total amount were {$57000.00} I contact Chase bank and they denied my claim because they said their were emails sent to me regarding this and that they said I press confirm in the email which I not confirm any emails. I did not use or authorized this charges to my account, and Chase bank is pointing finger to tell me go talk to someone else because they refuse to refund me this amount when I did not or authorized this charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a repossession with XXXX XXXX that was settled in full with a collection agency by the name of XXXX XXXX XXXX in the amount of XXXX. XXXX XXXX  stated they see the payment for XXXX but it wasnt a settlement. Ive contacted XXXX and they stated XXXX XXXX  gave them permission to settle the account. I settled the account on XX/XX/2018 for XXXX. Experian will not marked the account as settled and closed even though Ive sent a settle in full letter to them. Attached is a letter from XXXX XXXX XXXX stating the account was settled. Thanks you ...
Product: Checking or savings account

On XX/XX/2020 I made a 3 check deposit at the bank of America drive thru ATM. At the same time I tired to withdraw {$1000.00}. Nothing came out, neither cash or receipt. immediately after I called customer service and spoke to XXXX on the phone. he said to go into the branch and try again because the money was still there and not to worry. I tried to withdraw inside with no luck. ATM said I could not withdraw a second time. At this point, since I had been a 30 year customer I trusted that the money would be there tomorrow. I called multiple times asking about the missing money of {$1000.00}. On XX/XX/XXXX they gave me a temporary credit of {$1000.00}, while the case was being investigated. Again, I trusted the system that everything would be resolved. On XXXX they sent me a letter saying they were taking the {$1000.00} back due to their findings. No explanation of what they found. Claim # XXXX. Called customer service and spoke to XXXX, XXXX and XXXX. They all said I need a subpoena to access their findings.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 US code 1681E ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 US code 1681i ( 5 ) treatment of an accurate or unverifiable information ( A ) in general if, after any re-investigation under a paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shell - ( I ) promptly delete that item of information from the fall of the consumer, or modify the item of information as appropriate, based on the results of the investigation, and ( I ) promptly notify the furniture of the information that the information has been modified or deleted from the file of the consumer, please remove the following items from my credit report immediately Account Name - XXXX XXXX Account Name - XXXX XXXX XXXX Account Name - XXXX XXXX
Product: Mortgage

I tried twice to set up a trial payment plan, but both times i had issues and they would not give me a chsnce to try again. I have my own business and it went through a very hard time because of XXXX virus which I caught twice., I also had a XXXX XXXX and was prescribed medication, and I also went through a divorce.. my business went down to almost nothing but now it has come back to almost pre Covid levels so im sure i can make the mortgage payment if they will work with me. I tried several times to get another trial payment plan started but the people im getting on the phone are not giving me any sign of hope. They are saying they cant do anything. Yet repeatedly in their letters they say over and over they want to help us retain the home. But the way they treat me on the phone really depends which person answers the phone. I also have a very very difficult time getting my so called relationship manager they assigned to me. She is impossible to reach. I also have documented proof that on the last trial payment plan i paid on time with two of the three payments but they sent the first payment back then refused my trial plan in s letter before i could make the final payment. I have documented proof of this and they still have not told me why they sent the payment back on the first payment
Product: Credit reporting or other personal consumer reports

The information on my Experian report showcasing XXXX XXXX  and XXXX  being sold as an account I contacted the information in which the credit card was sold and was told that the information on my credit should not be shown as the company has not been reporting this fraudulent account on my credit. It stated that they are not able to report those type of information on my credit. 

Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report. And they have to do it for free. 

The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as Experian, XXXX, or XXXX. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information. 

If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. Nonetheless, some companies have argued that if they are unable to determine that the disputed information is false, they are free to tell the consumer reporting company to continue providing the information on reports. 

This account should be deleted off of my Experian Credit account immediately. Thank you in advance, I look forward to this account being deleted and not reported on my credit report I spoke to this agency on XX/XX/year> at XXXX and was told this account should not be reported on my account by the debt collection agency XXXX ( XXXX ) XXXX
Product: Mortgage

I repeatedly receive a Report of Available Funds letter from Homeside Financial LLC. These letters are deceptive and are essentially an unsolicited ad to refinance my mortgage while camouflaged to look like unclaimed funds in an escrow or similar type of account. 

The latest incident is XX/XX/2021. The letter explicitly states {$2700.00} Estimated available funds from my current FHA loan without explanation.
Product: Checking or savings account

I opened a checking account on XX/XX/2023. I was lied to about my first check deposit which was made for {$1500.00} on XX/XX/2023. They told me a three day hold would be placed. They held it for three days and released the funds on the third day. Only three hours later after I began using my funds they placed my funds back on hold without notice on XX/XX/2023. When I called they informed me the hold was placed back on my check deposit for an additional 10 business days for verification. This was a check from XXXX XXXX my home insurance policy. It did not need more than a three day verification process. 

I was severely mistreated during this incident. They placed me on excessively long hold times. They responded to my pleas to remove the hold by repeating the exact same sentence back to me regardless of what I said which was The hold will be released in 10 business days. This tactic was used until I was in tears from frustration and hung up. My calls were disconnected several times and no one reached back out to me. The physical branch placed me on long hold times and then transferred me to another customer on hold at one point. Then the branch proceeded to refuse picking up my calls entirely. 

On XX/XX/2023 the funds were made available to me for the second time at which point I immediately withdrew them using XXXX. I then called the bank to request my account be closed. They however did not answer my calls. I called 43 times in one hour and they refused to answer. I tried again the next day on my daughters phone and they picked up on the first try. I was then informed my account had a XXXX cent balance which had to be withdrawn in order to close my account. 

On XX/XX/2023 I drove an hour to the branch to collect the XXXX from my account and requested they immediately close my account. The teller told me he would close it immediately. 

The next day I checked and my account was not closed. Once again I attempted to call the branch but my call was ignored. I tried customer support which informed me the account was scheduled to close but it takes a few days. They claimed it had been scheduled for closure later this XXXX the day on XX/XX/XXXX. 


On XX/XX/XXXX I checked and my account was still open. 

On XX/XX/XXXX I once again trekked an hour to the branch and demanded my account be closed only to be informed it would cost me {$50.00} to close my account. I was told if I waited until the next day they would waive the fee since it would be the three month mark since opening. The teller promised he would close it the next day without any further action from me. 

My account is still open. I am at a loss. They refuse to close it. They lie at every turn. Im at my wits end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few addresses that is not correctly showing on my credit file that needs to beupdated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASEDELETE THE FOLLOWING ADDRESSESXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXXXXXX FL,XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However, I would like them removed because they are not accurate.
Product: Mortgage

I have had an on going problem with 5th 3rd Bank for 2 years now. I would receive notification that I missed a payment, which I had paid. I would take copies of my canceled checks to the local branch and they would compare my records with account. They told me on five different occasions that for some reason my payments would go into an account and placed on hold and not being applied to my mortgage. On the previous five occasions they would figure it out and within a month or two we would have to go through the process again. 

On Tuesday XX/XX/XXXX I had an appointment at XXXX XXXX XXXX in XXXX  XXXX Indiana with XXXX XXXX, because my payments were not being applied to my loan again. XXXX compared our records and stated he didn't understand why it was showing a non payment as he was looking at my canceled checks. She stated I needed to talk to his supervisor XXXX XXXX because he did not know how to fix it. XXXX was not in the office that day so I had to make another appointment for XX/XX/XXXX. 

XXXX got extremely aggravated when speaking to me and started belittling me. She stated my account was a mess and I'm missing payments. Her and I got into a verbal argument over this situation. I explained to her that this is ongoing and I didn't need to be talked down to, that I am the one leaving work early and wasting my time to resolve the problem. I made a complaint with 5th 3rd Bank due to her lack of professionalism. 

On Thursday XX/XX/XXXX XXXX XXXX contacted me and began to assist me in this matter. XXXX said I was missing three payments between XX/XX/XXXX and XX/XX/XXXX. I provided her with canceled checks from XX/XX/XXXX to XX/XX/XXXX and every month was accounted for. For unknown reasons XXXX quit contacting me and her voice mail stated she was out of the office. 

Around XX/XX/XXXX XXXX XXXX contacted me and stated she would be handling my case. She stated I didn't pay two month in XXXX ( which were different than XXXX stated ). I provided her with the same canceled checks showing my mortgage was paid. XXXX stated she spoke to her supervisor ( unknown name ) and they were turning my case over to the Mortgage Research Department. 

I have contacted XXXX several times since XXXX of XXXX trying to fine out the status on my account and she says it out of her hands. She stated they will contact me with information when it's available. The only number she provided me was an XXXX number that is nothing but a customer service number and I got to repeat this whole thing. 

My monthly statements are showing me 30 days late ever month with late fees. My credit is receiving negative marks for being late every month and I can not get anyone to help me. They all act like they want to help until I provided proof of payments for every month they request. Please help me resolve this, eliminate my late fees and fix my credit. 

Thank you, XXXX XXXX XXXX