23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bayview has made 2 errors in processing our mortgage payments. We have made our mortgage payments before the due dates in order to avoid issues with Bayview. In the last 2 months they have bounced backed our payments XXXX for not being able to obtain the funds. Keep in mind our routing and checking numbers have not changed and the funds are still sitting in the bank. We called Bayview to make the payment over the phone and was told they can not process our payment due to a bounce back. There explanation is that an error could have ben made from the mortgage holder or there 3rd party system when processing payment. Again please keep in mind that we have made payments successfully for months with no issues, but they seem to get a system glitch and wont help us figure out why. Lasty I have read BBB complaints for this company and have found that this is a very common issue.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I wrote to each of the Consumer Report Agencies ( XXXX, Equifax, and XXXX ) and told them that they were breaking the law by putting my private accounts into Public Record and I wanted them deleted. I also gave them my correct name and address because they had incorrect information. At that time, I also expressed that I did not have any CHARGE-OFF 's or Collections because each company settled the accounts and the rest of the money was filed on my taxes as personal income, but they kept it on my report. I wrote them again, but this time I sent it certified mail ( I have the stubs with the receipt numbers on them ). I expressed at that time that they and the furnishers were breaking the law by reporting CHARGE-OFF 's on my report. I cited 15 USC 1681a ( 2 ) ( i ) because the accounts were, by law, not debt, but personal income ( once each company gave me a 1099-C and I reported it on my taxes ) ; 15 USC 1681s ( 2 ) a ( 1 ) A because the Consumer Reporting Agencies are a third party and I never gave my written permission to have the furnishers report my information to them. In the third letter dated XXXX XX/XX/XXXX, ( I also reiterated that they put my personal information into Public Record and although it was removed from Public Record, they reinserted it into my consumer report. I just want this matter solved and my honor and reputation restored.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is violating my federal protected consumer rights. 
According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681i5 ( B ) ( ii ) - Procedure in case of disputed accuracy ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and

record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax notified me of a new collection account that I was unaware of. Since then the account has updated at least 5 different times. On XX/XX/XXXX I submitted a dispute letter to Equifax along with the dispute I sent directly to the company is question " Persolve ''. On XX/XX/XXXX I submitted a secondary follow up letter to Equifax. On XX/XX/XXXX Equifax sent a letter back about the account I disputed stating, " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. '' After checking my Equifax credit profile I noticed the account was not there. However on XX/XX/XXXX the account was updated and added back to my Equifax credit report. I don't know why they would remove the file during the dispute just to add it back after responding, I do not believe that to be an ethical procedure of the credit bureaus.
Product: Debt collection

I saw some fake accounts on my credit report that are hurting my credit score. Please remove them so I can get credit more easily.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account below have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Date opened : XX/XX/2018 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written consent 15 U.S.C 166b Timing of Payment 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.
Product: Student loan

I had a Student Loan with Wells Fargo from approximately summer XXXX XXXX XXXX a semester before graduating from XXXX College. I finished my XXXX XXXX in XXXX XXXX. 
Wells Fargo sold my loan to XXXX and I am currently in default and they want to garnish my pay or take money from any income tax returns by XXXX/XXXX/XXXX. I did not get a job from the courses I took which I am paying for. What steps do I need to make for the settlement? What documents do I need and where do I send it? 
XXXX XXXX XXXX : My address : XXXX, XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports with all three reporting bureaus, I discovered some instances of late payments on an account that I have always made on time payments for. Consumer reporting agencies are required to accurately report consumer information. These reports affect consumers ' lives. I have never missed a payment on the following account : XXXX XXXX  Credit Card XXXX Account # XXXX. I request a COMPLETE investigation into these discrepancies and kindly ask you to provide evidence, such as statements, demonstrating the lateness of these payment in the month of XXXX XXXX or XXXX XXXX. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. Also, they reported this payment " late '' in DIFFERENT months, the information does not match other bureaus and is simply false.
Product: Money transfer, virtual currency, or money service

I sent a payment to someone using Zelle and they said there account was glitching and they weren't able to accept it. They were not able to send it back to me and I was unable to cancel it, so that money is just gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602, states I have the right to privacy. 15 USC 168 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A major fraud incident occurred in 2017 my original claim was excepted and then told me to go through and mark all the fraudulent activity and there was in my business account and personal. I immediately went into the branch and began my claim with an branch associate and we completed a portion and submitted it to get me a little breathing room to then continue the entire claim. Over the next months Wells Fargo decided I needed to re do the claim and re submit. After filling the claim Wells Fargo proceeded bill automatic payments putting me further in debt. Over the next year I was given the run around and told to re do re submit every time. Finally after nearly a year they offered me XXXX dollars to compensate since to much time had passed to award me my claim that they said was valid but to late due to them not excepting my claim over and over. I asked repidiatly for my statements on both accounts and the business account I never received the claim was worth over 25,000. I am now destitute and trying to rebuild my life at XXXX years old and been a Wells Fargo client for over 20 years and this is how I was treated you can look at my account and see the Freud clear as day please help me out I dont know who to turn to
Product: Payday loan, title loan, or personal loan

I got a loan of XXXX dollars, annual interest from lending club 29.93 % in 36 monthly installments, the amount of installments is XXXX dollars every month. In XX/XX/2019 I made my payments on time and there were no late payment or missing payments. I was struggling with covid XXXX, i lost my job and they helped me for two months and thats when I didn't pay for XXXX months. They increased the number of installments to 38 months, then again when the time expired, I continued to make my payments properly and on time, but I saw that the debt did not decrease normally, the difference is now XXXX dollars. The amount of the debt has increased and it is increasing every month. 7 months ago, when I looked at my remaining debt, the difference was XXXX dollars. 3 month ago i checked the difference and it was XXXX dollars. Now the difference was XXXX dollars. I called the customer service, they did not help, they made up a lot of excuses, they helped as covid XXXX aid, but they charged me more and this debt is increasing every month. As of now, I have XXXX installments left XXXX * XXXX = XXXX dollars, but my debt to them is XXXX dollars now.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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/updated. 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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to Experian, XXXX, and XXXX regarding the collection account : XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX  ) I them to verify this account. Please remove this account. They did not send me proof of verification of this account. On XX/XX/XXXX I sent a dispute letter to Experian, XXXX, and XXXX regarding this account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ). I have doubts this is correct. Please remove this account. On XX/XX/XXXX I sent a dispute letter to Experian, XXXX, and XXXX regarding account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ). Stating that this information is inaccurate, please remove it! On XX/XX/XXXX I sent a letter to the furnisher to verify that account belongs to me. This account is erroneous. This account is reporting inaccurately on all three credit bureaus. On XXXX this account is reporting the date opened as XX/XX/XXXX with a balance of {$2300.00}. on Experian this account is reporting date opened as XX/XX/XXXX with a balance of {$2300.00}. On XXXX this account is reporting date open as XX/XX/XXXX. With a balance of {$2300.00}. I want verification that I owe that balance and a break down of the amounts owed. This account is reporting different dates opened and different balances owed. This account is erroneous, I would like it deleted from my credit reports please.
Product: Student loan

Predatory loan servicing practices. Inaccurate balances and payment requests. Their practices turned my account negative to block my loan forgiveness approval.
Product: Credit reporting or other personal consumer reports

I have identified incorrect information on my credit report that has been repeatedly verified by XXXX, XXXX, and Equifax as accurate. However, I have substantial evidence, which I have attached, proving the information is false. Continuing to report and verify these inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly section 611, which requires a thorough investigation into disputed data. 

The continued presence of this false information on my report has caused unnecessary harm. As such, I demand immediate correction and the removal of this inaccurate data from my credit report. Please review the attached documents carefully and take appropriate corrective actions to avoid further legal violations.
Product: Mortgage

Sold my property 32 days ago. The mortgager would not release, nor communicate about escrow funds that it was holding to repair the property. After it was 100 % complete and verified by mortgager to be comlplete, mortgager still would not relese funds so I was forced to sell the property to be able to pay the contractors. 32 days later after the pay off, company still has not refunded the escrow balance nor the restricted escrow balance. When I call I get a run around saying it was another departments issue, then the other department claims it was the original departments issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian with documentation regarding XXXX XXXX and my XXXX account and they took about XXXX minutes to perform an investigation. There is no way they did any form of investigation regarding the materials I sent them. I would like to reported as failure/fraud in an attempt to lure the user into purchasing their services to assist with credit repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX or there about, I was advised by my credit monitoring service that a hard inquiry had occurred on my report from 5/3rd bank. I had not authorized any such inquiry. I am president of a corporation that is in a suit against 5/3 bank tho I am not signed personally on this loan. The bank is in negotiation to settle the claim with me. I believe there actions where intensional Im an effort to determine my personal ability to loan the company funds to pay the debt. It was a credit line with which they called due with no notice s as Nd no default. They obtained fraudulent service claiming the suit was hand delivered to an employee I havent had for years accepting the document for service now to find my financial ability they ran my personal credit without authorization, this is what they do, anything they want to!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I wish to file a complaint against PayPal. Here are the details of my dispute with PayPal : 1. On XXXX XXXX I did a search on PayPal for XXXX XXXX, to whom I was to send payment for materials for my workshop. Only one XXXX XXXX came up, and there were no other details that could have helped ascertain that this was the correct XXXX XXXX. 
2. Unfortunately it was not, and I notified PayPal within 7 hours, while the transactions still pending, that I had sent the money to the wrong person. This is an option on PayPals dispute page. 
3. The following day I sent payment to the correct XXXX XXXX. And notified PayPal, requesting that they be aware of the fact that there are TWO XXXX XXXX and that their search engine only brought up one. I asked them to please return the payment, as it was still pending.

4. Yesterday I received a notice from PayPal that my case was being closed because XXXX XXXX ( the wrong one ) had received the payment. No mention was made of any investigation into the fact that the money was sent to the wrong person, and that I received no materials in return for the payment. PAYPAL DID NOT INVESTIGATE THE DISPUTE BASED ON THE REASON GIVEN THEM FOR THE DISPUTE. 

These are PayPals details for the dispute : Transaction Date : XX/XX/2023 Payment Amount : XXXX XXXX Recipient : XXXX Transaction ID : XXXX Case Number : XXXX Thank you, I am a XXXX XXXX XXXX XXXX XXXX, pipe organs, violins, and early pianos. I can not afford to lose {$400.00}.
Product: Credit card

Sychrony Bank Care Credit lost my final bill payment ( conveniently for them ) ( for the 2nd time ) and charged a late fee and a service fee -- -- -- -- -- -- This is the 2nd time I am utilizing Care Credit through Synchrony Bank to pay a Dental bill. 

And it is the 2nd Sychrony Bank has denied recieving the final payment and charging me a late fee and a service fee. 

The 1st time I utilized Care Credit in XX/XX/XXXX, I paid the full balance within the 6 months, 0 % rate period and they say they never received my final bill payment and charged me a late fee and a service fee. 

The bill was sent via USPS a week-and-a-half ahead of the due date and should have been delivered on time. 

I definitely sent the bill to the correct address, as they provide the correct address on their payment coupon which fits into the address window of the envelope they provide. 

All other bill payments were received properly. 

However, Sychrony Bank sent me another bill claiming they never received the final payment in full. 

I never received the payment envelope ( with the check in it ) back at my return address ( which I make sure is on every correspondence ) from USPS. 

I believe the payment was received and discarded so Synchrony bank could charge me a lae fee and a service fee. 

This is EXACTLY what occured the 2nd time around. 

I had dental work done again in XX/XX/XXXX. I FOOLISHLY used my Synchrony Bank Care Credit to pay for the dental bill. 

I paid the bill down to a final payment. When the final payment was sent in ( on check XXXX ), Synchrony Bank claims they never received it and charged me a late fee and a service fee. 

I decided not to pay the service fee or the late fee as I had the first time. I sent them the final payment again ( on check XXXX, the very next check number in the series ), via USPS Certified Mail. This way, I have proof they received the final payment I enclosed a letter in this final payment explaining that this was the 2nd time that Synchrony Bank had pulled this dishonest stunt on me. I asked them to undo the fees and accept the final payment as payment-in-full. 

They sent me back a bill with the late fee, another service fee and started charging me 29.9 % interest on the fee balance. 

I contacted their Customer Service Dept. and the representative told me that there was nothing she could do about removing the fees or the interest. 

I have been told of this exact scenario occurring to other people by Synchrony Bank credit company. 

I am interested in getting this resolved as quickly as possible.
Product: Credit reporting or other personal consumer reports

I requested verification of these accounts and verification was not provided. These accounts need to be deleted.