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

I purchased an online course from XXXX using PayPal Credit for funding. Purchase amount {$340.00}. XXXX mislead me to believe I could start the course immediately as it is an online, not live, course. I purchased the course on XX/XX/21. After paying for the course the earliest course start date was XX/XX/21. I could not access the course I paid for so I reached out to XXXX customer support. They resolved the connection issued but that pushed my course start date to XX/XX/21. At no time was I ever advised of their refund policy. 

Once I was able to access the course I viewed several days of the course. I found it to be a terrible, wordy, poorly executed course and asked XXXX, for a refund on XX/XX/21. This request was made through their website via the " live chat '' which is actually a bot. XXXX replied to my request on XX/XX/21 denying my request for a refund stating their refund policy is valid for 15 days from date of purchase. At no time was this policy provided to me. It was not in any document I signed during the purchase. It's not on the " welcome '' e-mail. Nor is it on my receipt of purchase. 

Since I could not access the course for days from date of purchase this had already absorbed days of their 15 day policy which I also find deceitful. 

I've disputed the charges with Paypal Credit which is financed by Sychrony Bank. They obtained minimal information from XXXX, which did not prove that I was provided their refund information, and sided with XXXX. 

I provided additional information to Paypal Credit to further review and dispute the charges. Paypal continues to delay the investigation. They have stated additional documents from XXXX were provided but they have not shares these with me as an attachment to a document as they stated. No attachment was provided. 

Paypal has stated in letters to me that I would not have to make payments during the dispute process yet they continue to require payment. I've made all payments on time. 

My complaint is with both XXXX and Paypal Credit/Sychrony Bank.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove any accounts or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/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 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 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 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: Vehicle loan or lease

on XX/XX/XXXX we submitted a dispute to all three credit bureaus XXXX Bank of America acct # XXXX we also sent XXXX certified letters directly to Bank of America on XXXX XXXX and XX/XX/XXXX tracking numbers XXXX and XXXX This account is currently appearing on our credit reports as profit and loss write off / charged off with a balance owing in the amount of {$72000.00}. This account was for an RV loan that we voluntarily surrendered back in XXXX. We have been making monthly payments on a balance that has not been verified. Bank of America has failed to respond to our multiple requests for documentation. We believe this vehicle was sold and the proceeds were not applied to the account thus any deficiency amount is questionable. Our credit reports do not reflect the proper status or that monthly payments have been applied. Bank of America has not been forthcoming with information and we need resolution as we continue to incur damages.
Product: Debt collection

this company is calling me for a dept that is not mine they call my sister and get my adress from her they call me many time and i teell then to stop calling me ... .i have all my credit card and i never been late in my payments ... i have no idea where they have all the information from probably that was from my father with my same name but i m not resposible for this bill ... my father past away around 15 years ago ... this same problem i have few years ago ... please try to help me they are driving me crazy ... also if that belongs to my father ..here in florida we have 7 years statue of limitation ... please try the ebst you cant to stop this people botherdme ... 

Thanks XXXX XXXX XXXX Here enclosed you find the last letter that i received
Product: Mortgage

First, the Buyer needed a POA for his wife. We sent it to Calibur Home Loans for them to approve and complete with whatever requirements they have for a POA and make sure the names where what they were going to require. We sent a XXXX XXXX to the wife in Colorado at a cost of {$170.00}, we received it back Wednesday and now XXXX is saying it does not meet their Criteria. This loan should have closed at the end of XXXX, they are still not ready to close it ; however, they are going to lower the interest rate by XXXX today and say they do not have to Re-Disclose for that and that the wife is now going to have to sign in Colorado and that is another {$170.00} cost to the Borrower. We still do not have any documentation from them at all. 

We also have another closing set with them for XXXX and the Buyer just got here we have no docs for that closing either, because they need to raise the Seller Concessions by {$1600.00} and that just came up today. 
I do not understand how Lender 's especially Calibur is Disclosing and the people are not even approved for the Loan and we do not get the documents in time for their set Closing Time. 
I thought the whole point of all the new CFPB Guidelines was to eliminate that kind of stress from Borrowers. 
It has not accomplished XXXX thing for most borrower 's with this Lender especially. 
This seems to be the normal way they do business.
Product: Credit card or prepaid card

I have XXXX reward points to use for my Bank of America card. They are changing the terms of the card to cash back only. I have repeatedly tried to call this company to ask how I use the points ( money ) I have already earned and have been on hold for Long periods of time and no way to speak with a live person. Can not find a way to answer this question from their website. I need help getting the point rewards I already earned before they changed the terms. Thank you.
Product: Vehicle loan or lease

I have had a situation where my car was already repossed by consumer financial services. i paid the balance within the 21 days i have to regain ownership of vehicle. within a week the manager XXXX had already sold my vehicle and taken the belongings in vehicle. Her responds was im not petty and the vehicle was never sold anywhere to my knowledge she resold my vehicle to XXXX XXXX.it took her a day to return the vehicle. i have recently felt behind one payment and explain to her i was gon na make both payments together again her responds was you can walk to work your a XXXX  your life is a XXXX.she has her employer XXXX call me atleast 20 times a day. she has request to garnish my paycheck already and text messages me from her personal cellphone pretending to be the legal services of the company. she says if your a week behing i can and will take you car. she haa even called other people regarding my account and asking for me.ive looked online and noticed she has pleny complains and has threaten others with deporting them.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

There are billing discrepancies on my credit report, reflecting late payments that are not typical of my history. Kindly update my account.
Product: Credit reporting or other personal consumer reports

This morning, I came across inaccuracies in my credit report and have no idea where they came from. I check my credit report frequently, and everything was fine until now. I even refreshed my browser, hoping the issue would resolve itself, but the incorrect accounts did not disappear. For this reason, I kindly request that the documents I sent be thoroughly reviewed so I can have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX are all the three companies 1. Payment History : XXXX XXXX XXXX XX/XX/XXXX was not late 2. Payment History : XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported late payments which is inaccurate because the dates were not late according to the agreement 3. Payment History : XXXX XXXX XXXX XXXX never late ( account closed ) 4.XXXX XXXXXXXX XXXX XXXX : {XXXX} XX/XX/XXXX was not my account and I'm not sure why its open because its not to my recollection. 
5. XXXX XXXX XXXX XXXX XXXX {XXXX}. not my payment they XX/XX/XXXX XXXX they mentioned my account was paid in full. 
6. XXXX XXXX : XXXX opened XX/XX/XXXX balance {XXXX}. never late 7. XXXX  XXXX : XXXX opened XX/XX/XXXX balance {XXXX} never late XXXX. XXXX XXXX : XXXX opened XX/XX/XXXX balance no balance never late 9. XXXX XXXX : derogatory {XXXX} not my account I have XXXX XXXX XXXX
Product: Mortgage

I contacted SunTrust Mortgage to advise that they were no longer reporting on my credit report. I was advised that they do not report to the credit bureaus because they did not have a letter of reaffirmation on file and that I would need to reopen my bankruptcy case from XX/XX/XXXX and sign a letter of reaffirmation. I advised and sent SunTrust proof that they report on my credit report until XXXX as shown on my credit report I pulled in XXXX. I also, sent the recent credit report from XXXX to show they stopped reporting, and a copy of my bankruptcy petition showing that they were aware of my bankruptcy and electronically served through the registered agent at the time XXXX to come to the meeting of the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am enrolled in a credit monitoring program and I received an alert stating that on XX/XX/17, a company called Rosebud Lending performed a hard credit inquiry. I never authorized this company to do a credit check. 
I contacted them several times and initially, they denied performing a hard inquiry saying that they only performed a soft pull. I sent them proof and then they said that I gave permission which I did not. 
They refuse to remove the hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX vilated te fCRA by adding a removed item back to Equifax and XXXX   B/c my Data breach Was caused by the FTC violation that Equifax destroy the american economy by hiring people that dont even know how to read a credit report Law saids that you must noitfy me b/c items are put back in 5-10 Business days. EQUIFAX and XXXX XXXX should really consider hiring people that know their job. Then this issue might not be an issue but you get what you pay for
Product: Student loan

Due to student loan debt relief being on pause until litigation is complete persons with US Dept of Education loans were advised to apply for TPSLF as a means of receiving some debt relief. Under this program you only needed to be an employee of a company that provided public services and the qualifying 120 payments that are usually required under PSLF did not apply. I submitted my applications ( XX/XX/22 and XX/XX/22 ) with 3 jobs listed all of which were public service. After my application was processed I only qualified for 7 payments and only 3 were applied to my account. After further review I noticed that my current job had an end date of XX/XX/22 which was incorrect as I am still employed. I am requesting that my qualifying payments be recounted as the deferred payments during Covid weren't accounted for.
Product: Debt collection

The hospital bills that shows on my consumer report is invalid and do not apply to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX NEW XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Update personal Information Dear XXXX, I am contacting you again in regards to my credit profile and unfortunately I am still seeing that information on my report is still being listed although one inquires was deleted from my credit report from my last dispute on XXXX XXXX, 2023 it still shows invalid inquiries and a XXXX XXXX account ( XXXX ) that should have been deleted due to inaccurate personal information that was attached to the account. The name attached is XXXX XXXX XXXX. The correct spelling of my name is XXXX XXXX XXXX XXXX XXXX. This is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy and also is a serious breach of my consumer rights, and U.S.C 1681b ( a ) ( 2 ). Reason why the account is inaccurate is due to the listings of.

Personal information ( Names, address, Employments, and Telephone numbers ) Opening account dates Closing account dates Last reporting dates Above are the listings of inaccurate items attached to the account XXXX XXXX account : ( XXXX ). This company fraudulently started my account while falsely using my identity and furnished my consumer report under no permissible purpose, which is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Recently after filing a dispute for this matter. XXXX followed up with a verification message stating that I paid a settlement. The purpose of doing so was to terminate the debt so that the debt would be relieved. Although this was a fraudulent account I figured paying it off will make it go away instead. Paying it under the agreement that it would be terminated off my report the debt collector lied and listed it as a charge off although this was never an account that I gave my permission to start with. With this letter I am also sending enclosed documents with my state and federal personal information, these documents are proof that my name was used incorrectly for the XXXX XXXX Account : ( XXXX ). For the prior inquiries that was removed on accounts : XXXX XXXX : ( Report Number : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 or other personal consumer reports

To Whom It May Concern, Debt ( XXXX ) : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX This Debt was included in a Chapter XXXX Bankruptcy as of XXXX of XXXX. Since XXXX XXXX included this Vehicle and Lease with her Chapter XXXX Bankruptcy, by law as co-debtor I am protected with this debt by her Bankruptcy and this debt can no longer be considered late. 

Per the Fair Credit Reporting Act : All debts that were included in your bankruptcy should be reporting with a XXXX balance, show XXXX due, show nothing past due after the date of your bankruptcy filing A XXXX debt can NOT be late ever. So if a creditor reports a late for a date AFTER your bankruptcy FILING date, and certainly post-discharge, dispute it. A Discharge in a bankruptcy acts as permanent injunction against the attempts by those creditors listed on your petition from ever attempting to collect on those debts. This means that those XXXX creditors can not call you, send you a statement, institute a lawsuit against you or continue a lawsuit that they had started prior to filing of your bankruptcy, cant try to collect on a pre-petition judgment they may have received by garnishing wages or levying bank accounts, and they also CAN NOT report negatively on your credit report. 

If this information is not removed from my credit report per the Federal Guidelines I will have no recourse but to sue for damages as this incorrect information not only negatively impacts my scores, but the interest rates of the loans and credits cards in my possession.
Product: Credit reporting, credit repair services, 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.Accounts : XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$200.00} ( Original Creditor : XXXX ) XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} TRANSUNION : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX XXXX XXXX is reporting late payments FOR 32 MONTHS ON XXXX AND EXPERIAN. 

and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX XXXX XXXX, XXXX OR EXPERIAN written instructions to report anything to my consumer report, let alone this late payments/utilization. 

Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX XXXX XXXX, XXXX AND EXPERIAN-violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Carvant Financial LLC Account # XXXX {$9300.00} Closed : XX/XX/2016 I have sent 3 letters to the credit bureaus and Carvant Financial to have the inaccurate item removed from my credit report. I received no information about the sell of the car. The amount reported is wrong. It is also listed as an auto loan and not a credit sale. 

Under The Uniform Commercial Code, N.J.S.A. 12A : 9-610 ( b ), whereas the lender is not entitled to all of the money it seeks because the sale was not commercially reasonable and, as a result, the sale price was unreasonably low.
Product: Debt collection

I have asked repeatedly for Portfolio Recovery to provide documents about my debt. I am unable to dispute anything which maybe incorrect with out the documentation.