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

The PayPal Credit overview page on the internet, which is run by Synchrony bank has misleading information that leads to shady practices and them collecting interest on balances that I thought they were helping me avoid. First, the PayPal credit overview page makes it very difficult to understand the regular purchase accrued interest balance from the deferred interest balance. Then it shows an " Amount to AVOID Standard and Deferred Interest '' which makes one think that the amount will then be split between the expiring special financing purchase balance from that month and the regular purchase interest accrued, so that I can avoid paying standard interest balance. Wrong! The representative I chatted with stated that any payment beyond the expiring special financing purchase balance gets applied to other special financing purchase balance that is expiring at later dates unless I specify how to split it. By doing this, they then continue charging interest on regular purchases that I was trying avoid ( and that they were leading me to believe I was avoiding ) and defeats the purpose of highlighting Amount to AVOID standard and deferred interest as I am not really avoiding any interest if they are IMPROPERLY applying my payment beyond the expiring special financing balance to other deferred interest and not how they are making you believe its being applied. Case in point, my deferred interest balance expiring in XXXX is {$440.00}. The " Amount to AVOID Standard and Deferred Interest '' shows as {$550.00}. If I send that payment, they don't automatically allocate the extra {$100.00} towards my standard interest balance unless I tell them, instead they would apply all the balance to deferred interest balances, thus continuing to charge standard interest on the balance of {$100.00} that they had led me to believe I was going to avoid. I have been paying the " Amount to AVOID Standard and Deferred Interest '' for years thinking that I was avoiding interest, when in reality I have not. If this is not shady, I don't know what is. In contrast, the XXXX XXXX Credit card will apply balance first to any deferred interest that is expiring that month and any over payment to the standard interest balance, thus truly helping me AVOID standard interest.
Product: Checking or savings account

In 2016 my XXXX XXXX  brother passed away with no will, he had no assets except his savings and checking account at Bank of America less then {$3000.00}. His daughter gave up trying to get the money and ask me to help. Turned them over toComptroller of Currency, they expected it to be taken care of. No BOA will not comply.
Product: Checking or savings account

I had XXXX disputes from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for disregarding my confirmed quote for the rate of my rental. I provide proof they requested and denied my claim. I asked to have the information used to deny my claim and they told me they could only release that information with a court order.The second dispute was for a room I reserved and canceled XXXX hours after making the reservation. They did not use any of the information i sent them and again refused to send me the information they used to deny my claim without a court order. I understand that you will not do anything about their decision to deny my claim but don't I have right to see the information they used to deny my claim without a court order?
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont understand how this one is past due if I did make a payment agreement with them they told me also my account will become current. they have close my account last year of 2021 without my knowledge they told me they sent a letter never received it When few months before I did a pay of {$400.00}
Product: Credit card or prepaid card

I placed an order with XXXX on XX/XX/2020. 

I did not receive my order. I made it clear to both XXXX and Discover that it would have been impossible for the packages to be delivered as no one was home and my property has a locked gate and a big dog with a dog warning label. The only possible place the package could have been delivered was either a neighbors hour or the sidewalk. None of my neighbors have the package and it is no where near my property. Discover refuses to grant the dispute in my favor because XXXX provided proof of delivery. But, there was no signature or picture provided confirming proof of delivery. I have paid XXXX $ for products I did not receive. This not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed numerous violations and inaccurate information on my credit report I then proceeded to contact the credit reporting agencies to notify them of the violations but they did not fix the problems.
Product: Bank account or service

On XX/XX/XXXX I went to Chase XXXX XXXX and XXXX XXXX XXXX # XXXX located in XXXX XXXX, FL. I had XXXX salary check in the amount of {$3000.00} to deposit, plus a another personal check in the amount of {$360.00} to deposit as well. I went through the teller line at the window. I had no concerns about holds since I was below the thresholds and did not meet the requirements under Reg CC for the other reasons there may be hold placed on the account.Upon arriving home I reviewed my account online and noticed that I was only given the {$200.00} out of the {$3300.00}. I called the Bank and spoke with XXXX XXXX who told me there was n't anything they can do unless " I wait until tomorrow to see what happens, if I still need the funds Chase MAY call to verify funds. '' I informed XXXX XXXX that position was not in compliance with Reg CC funds availability requirements. He insisted that the notice on the receipt that " further review may result in delayed availability of this deposit '' suffices and that they do n't deal with these issues at the Branch only there Legal and regulatory dept do. I was informed that if I wanted they would return the checks do me and I can deposit this elsewhere. I returned to the branch to pick up my check Employees were totally ignorant of Reg CC requirements " they depend on the system '' to figure it out! I wonder how many other consumers they are fleecing in earning interest in overnight funds ( but not paying interest to the rightful owner of these funds ) by engaging in such practices. The only defense XXXX XXXX could give was that " they would never make funds immediately available against an unknown bank. '' Seriously? There are so many ways to verify the legitimacy of a Financial Institution that it goes to further show how desperately Chase need to provide training for its front line staff and ensure compliance. Please investigate and advise on their practices. They have a " I 'm to big to fail attitude and anything goes ... ''
Product: Debt collection

Dear midland credit management, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c 2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : 1. DEPTEDXXXX Account XXXX : XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXXXXXX XXXX  Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amounts : {$2600.00}, {$4600.00}, {$1000.00}, {$420.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$3700.00} XXXX. XXXX XXXX XXXX Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$640.00}, {$2000.00} XXXX. XXXX  Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$0.00}, {$3700.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$310.00} XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$780.00} XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXX. XXXX OF XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$550.00} XXXX. XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$1700.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Discover Bank allowed two withdrawals made without my knowledge or consent. The Fraud group refused to discuss or resolve. The complaint was started on XX/XX/24. I have called several times and was told by another group it has not been resolved and they can not give me any idea when it will be resolved. This has created a financial hardship. Discover Bank required me to pay for both withdrawals before they would close the account that was hacked.
Product: Checking or savings account

XX/XX/2024 XXXX XXXX gave XXXX XXXX of New Jersey {$40000.00} to wire to me XXXX XXXX through Navy FederaXXXX. XXXX is my XXXX XXXX who purchased a vehicle from me. She was moving from XXXX XXXX to XXXX  and need to purchase a vehicle. While still transitioning from XXXX XXXX XXXX XXXX XXXXXXXX and I made the Sale. Navy federal the bank i bank with then restricted my account and wont release any funds.
Product: Checking or savings account

XX/XX/XXXX XX/XX/XXXX Claim reversal : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ClaimId : XXXX {$50.00} XX/XX/XXXX Reversal : XXXX XXXX XXXX XXXX  XX/XX/XXXX ClaimId : XXXX {$45.00} and Reversal : XXXX XXXX XXXX XXXX XX/XX/XXXX ClaimId : XXXX {$30.00} XX/XX/XXXX Claim reversal : XXXX XXXX XXXX XXXX XX/XX/XXXX ClaimId : XXXX {$200.00} All these transactions were fraudulent yet they were reversed?
Product: Credit reporting 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. 


has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is the 3rd time I've had to file a complaint on this business and I will not stop until this injustice is corrected. 

This company is willfully and blatantly non-complaint with their debt collection practices. 

1. I never received a notification within 30 days of this reporting on my credit report. 
2. When I requested validation of debt, they sent me paperwork with someone else 's name on it. 
3. When I dispute with the credit bureaus, genesis " verifies '' that they are reporting the information correctly, but it's blatantly inaccurate. 
4. The collection failed to prove that they own the claimed debt. 
5. When they found out that they are ignoring federal law and the name on the paperwork doesn't match my name, they sent me a handwritten. 
6. The company is illegally charging interest. It's not legal for a company to charge interest unless it's specifically written in the initial contract. 

I know the CFPB is searching for some Class Action Lawsuits and I think this would be a great company to investigate. If I've had these problems resolving something that is blatantly misleading, inaccurate and unverifiable - just imagine how many consumers are being violated by this company.
Product: Debt collection

when original note are challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, JP Morgan bank of new York debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator XXXX, JP Morgan XXXX XXXX new York debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reporting late payments for State of Texas/Student Loans when no payments were late as the loan has always been in deferment. Disputed the account and XXXX changed the status to deferred but did not remove the late payments. Also reporting the balance incorrectly and still continues to report the same information even after the information provided from the loan servicer states otherwise.
Product: Student loan

My daughter received a loan from Sallie Mae for tuition this semester, and I co-signed. To keep the budget manageable for her, I 'm making the monthly payments while she is in school. 

When I got the first bill I signed up for auto debit ( i.e., Direct Payment via ACH ). They provide a .25 % discount on the loan rate. I provided RT/DDA etc, and was n't paying much attention on the amount. The first payment is due XXXX XXXX, so I just checked again, and I 'm signed up to pay the minimum, so thought I 'd call them to see how I could bump that up a bit on a recurring basis each month to shorten the loan repayment period ( there was no info on their website about how to do this ). 

But Sallie Mae does n't allow it!!! Sallie Mae only accepts the minimum payment when the borrower signs up for auto debit. This binds the borrower to a longer loan repayment period - and earns more interest $ $ for Sallie Mae. When I called, they confirmed that the system only allows the minimum payment for auto debit, and that to pay more you have to send a check or make an additional payment via online banking, which is not customer friendly - and less convenient as it adds another step. 

This smacks of corporate shenenagans - offering a .25 % discount for auto debit, but then only allowing minimum payments for the benefit of Sallie Mae. I mean, think of all the poor graduates who want to use the convenience of ACH debit to manage their expenses, and now they get locked into paying more interest because the life of the loan gets extended.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$230.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$430.00} XXXX Date Opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX late payments* Date Opened XX/XX/XXXX Balance {$0.00}XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$0.00}XX/XX/XXXXDate Opened XX/XX/XXXX Balance {$0.00} XXXXXX/XX/XXXX Date Opened XX/XX/XXXX Balance {$0.00} **Inquiries** XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX (XX/XX/XXXX ) XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

I received a call from someone at a company called XXXX XXXX XXXX. Initially the voice started out as an XXXX accent then went to a recording. The recording stated that I am being served at my place of employment or home that I have 2 hours to get there. Call them back to make an arrangement or we will see you in court. They call came through anonymously and I let it go to voicemail. I do not owe anyone or anybody anything.
Product: Credit reporting or other personal consumer reports

Settled and paid account with XXXXXXXX XXXX XXXX XXXX continues to report a balance due to credit reporting agencies which reflects negatively on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on my credit report and there is a SYNBC/JCPENNYS Credit Card on my credit report with a credit limit, payments and negative remarks and sasys Closed.

I have never applied or had a SYNBC/JCPENNYS Account XXXX. I have been a victim of identity theft the federal trade commission Report # XXXX. I have contacterd the company been hung up on or disconnected. 

i have never applied or had an account with this company.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : $ o Chargeoff-v.n- XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : $ o Chargeoff-v.n- XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Charge off- XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the damaging report of a vehicle repossession tied to my account I did not receive any letter via mail indicating that an repo will be taken place and amount owed. As a result of violating my rights and not following all steps of my due processing rights I would like to have this item removed from all three credit bureaus or I will be seeking legal representation and filing a lawsuit against these credit bureaus