23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I called to make payment on the XXXX credit card and the XXXXXXXX XXXX. The XXXX card payment was successful, however when trying to make rhe XXXX XXXX it was like pulling teeth. The initial associate advised a payment could be made and I asked to speak with a supervisor. I then spok with the manager XXXX who was very condescending and accusatory. I tried to share with her my situation with the fraud and she began sharing how I had a returned payment. To be clear I have NEVER had a return payment from my account. NEVER, and it was disheartening to hear. In addition, I have NEVER been late in payment during the life if this card because I have always had auto pay setup. The purpose of this complaint is to please refund the late fees and to please educate the leaders and associates on soft skills. 

XXXX XXXX fraud supervisor Rude/ condescending XXXXpayment will not post until Tuesday XXXX XXXX XXXX interest XXXX fee- please refund XXXX fee- please refund
Product: Credit reporting, credit repair services, or other personal consumer reports

There is another XXXX who lives in the same town as me, she has the same exact date of birth, the same social security number -minus one digit difference. Experian has her and I completely combined. Her maxed out mortgage and other accounts are negatively impacting my life as a single mother. I have written to Experian back in XX/XX/XXXX, ( certified with return receipt, so I know they got it ) with a copy of the report and all the incorrect accounts on my credit. I got no response. I wrote them a second and final letter this year, back in XX/XX/XXXX. This time I got a single white postcard with generic info explaining Experian has 30 days to do whatever is there doing .. it's been 1 year and 4 months since I first reported this to them. This other person 's information is being asked to me, when I go online to try and dispute it. For example, it asked me what year I purchased my XXXX? I have never purchased a XXXX! It asked which of my pets I purchased insurance for recently.. I have never purchased pet insurance. I can't even get verified to continue, because of this! Please PLEASE help me! I don't know what else to do.
Product: Mortgage

I refinanced my house and Stonegate Mortgage and Servicing still has not returned over XXXX dollars thats in my escrow account. They have told me numerous times they are sending it which I have at least two of those times recorded on my computer. A manager by the name of XXXX assured me he was overnighting it. Two days later when I called to find out where it was, I was about to be transferred and then suddenly he is no longer in the office for the day at XXXX. Not one person has given me a straight answer and no one has returned my money to me since my closing over 60 days ago from writing this complaint. These people are crooks.
Product: Debt collection

ERC debt collections company continues to report to all 3 credit bureau 's as my account in collections and/or derogatory after me speaking with them numerous times, explaining the debt was paid & full. I requested a written letter numerous times & for the incorrect reporting to be taken off my credit reports, I was promised over & over again it would be corrected and not show negatively on my reports. I have repeated asked the 3 credit bureau 's to correct the mistake. This is causing me to be denied credit cards,  rentals, and increased interest rates, which is very unfair when I am current with all payments and not in collections.
Product: Credit reporting or other personal consumer reports

Dear Transunion.XXXX, XXXX There is info on my credit report that is a result of Identity Theft. I did not provide written permission or instructions for the identitified transactions to be reported, on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to being blocked made on the basis of material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Product: Credit card or prepaid card

This complaint is an addendum to the complaint of XX/XX/22. 

Comenity Bank continues to fail to address my complaints. 

They have not reported by credit information to the credit bureaus for more than 45 days. 

Their rewards program continues to stay broken. Update : they have reduced my outstanding rewards by half. I continue to be unable to redeem any rewards. 

This bank is operating like a shoddy organization now going on 5 months. I don't understand how they can fail to address issues for actual MONTHS and get away with it. This bank is a failed bank. 

As of today I can not log in and I can not recover my login and create a new password. I am locked out of their website. 

Thank you XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Eastern Account Systems Inc. 
XXXX XXXX XXXX XXXX XXXX CT XXXX Subject : Request for Arbitration Regarding Failure to Validate Debt To Whom It May Concern, I am writing regarding your attempts to collect an alleged debt ( Account Number : XXXX ). Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I exercised my right to request debt validation by sending you a formal written request on XX/XX/XXXX, which you responded on XX/XX/XXXX. 

Under the FDCPA ( 15 U.S.C. 1692g ( b ) ), a debt collector must cease collection activities until the requested validation is provided. However, despite my valid request, you have failed to provide sufficient validation of the alleged debt. Specifically, you did not provide documentation to substantiate the legitimacy, ownership, and amount of the debt as required by law.

Your continued attempts to collect the alleged debt without proper validation are a direct violation of my consumer rights under federal law. These actions have caused me unnecessary stress, confusion, and frustration.

Given your failure to comply with the legal requirements to validate the alleged debt, I am formally requesting arbitration to resolve this matter. Please provide me with a copy of your arbitration agreement, as well as details on how to initiate the arbitration process.

Additionally, I demand that all collection activities cease immediately until proper validation of the alleged debt is provided and this dispute is resolved. Please send all future correspondence related to this matter in writing to the address listed above.

If I do not receive a satisfactory response within 15 days, I will have no choice but to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I hope we can resolve this matter through arbitration in a professional and timely manner. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS NEGATIVELY IMPACTED BY THE XXXX XXXX PANDEMIC AND I AM REQUESTING THAT YOUR COMPANY REMOVE ALL LATE PAYMENTS FROM MY CREDIT REPORT PER THE HERO ACT ( SECTION XXXX ).
Product: Credit reporting or other personal consumer reports

Report incorrect/ inaccurate information on my credit consumer report is against the law without due process of verification before reporting 3rd party incorrect information in consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother came to live with me in XX/XX/XXXX. At that time she had one Credit Card that she used, it was her CC from Wells Fargo. In XX/XX/XXXX she had dental work done for a lot of money. In early of XX/XX/XXXX she fell, hit her XXXX, became XXXX XXXX and died in XX/XX/XXXX. Here is what happened next. Her accounts were hooked to mine as I held her Power of Attorney. She dies and Wells Fargo proceeds to apply her CC onto me. In XX/XX/XXXX, after receiving her Death Certificates I proceed to explain to the WF Card Service, Credit Bureau Dispute in XXXX XXXX, IA that this was not my debt, that yes the accounts were together but she paid her own bills and the accounts were together so that after she would die no probate would be ; this bill was being paid but she had fallen and died. I sent to them an original Death Certificate, showing that she had indeed fallen. After this first one here is what they did. They apply to my credit reporting as this : Charged off as Bad Debt. Profit and Loss Write Off. After two more letters asking them to remove completely it is still sitting on my report! 
This is not fair to me. They have written it off, now take it off my Credit Report. I have sent to them to the above address two more times asking them to do this to no Avail. Please can you help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are XXXX XXXX XXXX acct XXXX and XXXX XXXX  acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect. I filed a complaint previously about the same accounts with CFPB & they did nothing but the same thing over again.
Product: Payday loan, title loan, personal loan, or advance loan

PayPal Credit appears to engage in predatory lending practices by implementing deceptive and burdensome payment allocation policies. While promotional payment options are advertised, consumers are not adequately informed that they must proactively contact PayPal Credit to specify how their payments should be allocated. Consequently, even if a consumer pays off the full cost of a specific item, any remaining balance on the account may still accrue interest if the payment allocation was not explicitly designated. This practice results in consumers being charged both accrued and ongoing interest, despite their reasonable efforts to repay their purchases. Such a policy constitutes a breach of consumer trust and imposes an undue financial burden, potentially leading to significant economic hardship.
Product: Checking or savings account

On XX/XX/2021, I opened a savings account with Citibank using a transfer deposit from my XXXX Bank savings account. 
I did not access the account after this transaction was made. Foolishly I did not record the account number, did not access the Citibank app for access to the account, either did not receive or misplaced the ATM card sent and never had a PIN number. 
In XXXX, XXXX, I received an email from Citibank telling me my new statement was available on the app. This is when I realized I could not access the app. Thus started a very frustrating effort to obtain a new ATM card so I could access my money and close the account. 
The personnel I spoke with told me I missed XXXX of the security questions and therefore would not assist me and directed me to write to Citibank. I had tried multiple times to talk to someone at Citibank and got nowhere. I decided I would locate a physical location and with my passport, social security card, and drivers license drove several hours to what I believed to be a Citibank. The building is now a funeral home. I then realized that Citibank has no physical locations near me and without the ATM card had no way to retrieve my funds. 
I have now written to Citibank XXXX times. In response I received a form letter requesting a notarized copy of my request and the complete account number. In the notarized letter I sent to them I explained I did not have the complete account number and asked that a Citibank representative call me to obtain more identifying information so I could close the account. 
This letter only generated another form letter from Citibank. This form letter did not request the notarized letter but once again checked the box stating I had to supply the complete account number. 
I don't know how to proceed. I admit I made errors in the transaction but do not feel that justifies not getting my funds returned. 
I have attached the XXXX letters I wrote to Citibank, a copy of the XXXX XXXX account statement showing the transfer of {$1000.00} to Citibank, and a copy of the form letter they have sent me. 
I would appreciate assistance in getting this matter resolved.
Product: Money transfer, virtual currency, or money service

My Funds are on hold. My funds are always placed on hold pending confirmation of delivery of the item and the following day the funds are supposed to be released. While I never agreed to these terms, Paypal continues to change or create additional and longer hold times that are exceedingly and excessively long. 

The funds for 2 transactions that have been Confirmed delivered, one confirmed XX/XX/2019 and the second XX/XX/2019 have met the terms and for whatever reason these funds are still on hold! 

( I'm attaching screen shots to demonstrate this point ) Paypal continues to Hold funds, and prevent me from conducting business. 
I have a 99.6 % seller satisfaction rate, and no complaints or other account issues, and still Paypal continues to place longer holds, and violates it's own terms for funds being made avail ; able. 

HOW CAN A COMPANY CONTINUE TO VIOLATE THE TERMS IT SETS AND GET AWAY WITH IT? 

THEY CHARGE ME IMMEDIATELY WITH THEIR FEE AND PROCEED TO HOLD MY MONEY! 

I am filing complaints with the FTC, XXXX, and EVERY OTHER AGENCY until Paypal is held accountable for abusing their power and preventing people from accessing their own money! Anybody else did this it would be called theft! 

SOMEONE NEEDS TO INVESTIGATE THIS CORRUPT COMPANY! 
THANK XXXX XXXX IS DROPPING THIS CRIMINAL COMPANY. INVESTIGATE PAYPAL!!!
Product: Mortgage

Company acquired our mortgage from original lender last summer. At the time, we were told that all practices with previous lender would be assumed by the new company. One of these was the annual payment of our county taxes. As we had not any issues with original lender, I did not worry about any issues with the new bank. However, the check writing company used by the new bank improperly coded the annual payment made in XX/XX/XXXX such that half of it was sent back. I was never notified of this error. Rather, I became aware of it later in the fall ( early XX/XX/XXXX ) when I received an invoice from our county tax office indicating that I owed the second payment. When I called the tax office to inquire as to why, I was told of the check writing company 's mistake ( again, I never received any notice from the new bank as to this error ). Moreover, I was told that the company had realized their error in the previous month and were working to make sure it was not repeated going forward. However, the company made no effort to correct the past error. I called the new bank to inquire and confirm that they would be making the 2nd payment. I was told that they were working the issue and would pay the taxes in time. Trusting them, I wrongly assumed that everything would be properly taken care of. Thus, i was very disappointed to see that my taxes had been paid after the deadline ofXX/XX/XXXX and that I was therefore charged a 1 % late fee. When I called the bank to complain in mid XX/XX/XXXX, I was given the run around and only recently told ( after multiple follow up calls ) that it was my fault that the bank was late in paying my taxes - and that they therefore would not be reimbursing my account the 1 % late fee incurred. The exact reason for this reasoning is still unclear as I thought that was why I paid into an escrow account.
Product: Bank account or service

I recently had fraudulent activity with one of my checking accounts. Unauthorized use of the debit card was tracked to Florida. USAA Customer Service stated that the unauthorized user called and obtained information to access my online account. With information, provided by Customer Service, the unauthorized user accessed my online account and transferred the entirety of joint checking and joint savings to my personal checking account. While in my online account, the unauthorized user changed the withdraw limit and PIN number before withdrawing the entirety of my account balance via my personal checking from an ATM in Florida. It only took USAA about a week to return the funds, but now I have been locked out of my account since. They keep transferring me from one department to another, dropping my calls and every time this happens you have to start the whole phone call process over again. Now every time I call they tell me that a Escalation team member will have to call me back in XXXX hours to verify my identity. I have yet to have a call back and it has been about 3 weeks now that this mess has been going on with no resolution. I need access restored to my accounts immediately. I have late fee 's, over drafts, bills to pay, and a mortgage. I do n't know what else to do. This is causing XXXX on a XXXX veteran. Please help.
Product: Debt collection

The Consumer Financial Protection Bureau ( CFPB ) has determined that TransUnion is in violation of regulations by reporting medical debt under {$500.00} on credit reports. TransUnion is facilitating the misrepresentation of a medical collection account from XXXX XXXX XXXX as " retail '' by a collection agency, preventing its proper identification and subsequent removal. Therefore, I request the immediate removal of this fraudulent entry, which is miscategorized as retail but is in fact a medical debt.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I formally request their removal within 15 days. Relevant documents are included for your review and reference.
Product: Debt collection

I set my ace cash express account to automatic payments only to find out for some reason my account was sent to collections without notice but should have been paid in full. Due to this, I needed credit today but was denied due to an account that should have been paid in full due to automatic payments.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.
Product: Credit reporting or other personal consumer reports

I am currently homeless due to the erroneous information reported by SafeRent Solutions. They are reporting duplicate judgments against me on addresses from XXXX XXXX. I left an apartment complex in good standing. Not owing any balances and any judgments made against me ( due to late payments ) were dismissed. Basically I got this apartment in XXXX and lost my job 3 months later. I did my best to pay even if it was late. It was paid! Automatically a judgment is placed against you for not paying by the XXXX of the month? But as soon as you pay it? It should be dismissed. And it was. 

SafeRent Solutions has cost me hundreds of dollars in denied application fees and the fact that I am living out of my car for no reason at all! Per their reporting I have XXXX default judgements against me that the XXXX XXXX XXXX have no record of. I have provided them with a ledger from the apartment complex proving all balances were satisfied. The apartment complex cant provided me with any court documents because this was 5 years ago. They have switched property management several times and they dont keep records after so many years. SafeRent Solutions is telling me that I need court records proving that the judgements were dismissed but there is no case to dismiss it! No one can pull the cases online. No one can pull the cases on paper! As Im being bounced around to call this person and the next? Im homeless and being sent in circles because of them reporting repetitive, old, and incorrect information! They have my entire profile WRONG! Even down to employment! I am a working XXXX mother of XXXX children who cant provide a place to live because of them! This has been an extremely frustrating situation and I dont deserve this kind of treatment! You have the proof. Remove it!
Product: Credit reporting or other personal consumer reports

Delete the following fraudulent inquiries, I did not authorize or give permissible purpose for these to report on my consumer report The following items are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting the run around, from my vehicle finance company and the 3 credit bureaus. I would like for some assistance. I have a good standing account. that should be reporting. The lack of this reporting and inaccuracy is hurting my creditworthiness. I have spoken to 2 of the 3 credit bureaus. Yet again! getting the run around! 

Please let me know what CFPB cant do to help. There is a mistake on someones part. I need help making it right. 

Date of notice from seeing FICO ( XX/XX/XXXX ). Date for contact to finance company ( XX/XX/XXXX ) Date of communication with finance company representative ( XX/XX/XXXX ) Date of contact with Experian ( XX/XX/XXXX ) Date of contact with XXXX  ( XX/XX/XXXX ) I have not been able to reach XXXX. They are unavailable over the weekends
Product: Student loan

I applied for the SAVE payment plan in XXXX. They now say that they can't complete my application until I pay an amount as indicated by an email and letter. I never received either of these. They are still saying I owe my normal payments that I can't afford while they continue to refuse to finish my application. I just want to fulfill my obligations and they are not fulfilling their contracted obligations to me and the federal government.