23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a fixed rate student loan through Wells Fargo. I have a set amount, which I do not have the option of increasing, drafted out of my checking account monthly. I have always made additional principal only payments on previous loans of various types without any problem. This is not the case with this loan through Wells Fargo. With each of the four additional payments I attempted during the first 3 months of the loan, which originated in XXXX of 2019, interest of varying amounts ranging from {$21.00} to {$200.00}, were deducted then my regular drafted monthly payment was applied on the scheduled date with full interest deducted. The regular monthly interest has never been even close to consistent or predictable. One of my extra payments earmarked for principal only was hit with over {$200.00} of interest in XXXX of 2019. I've never had a regular interest deduction on the regular monthly drafts on this loan near that amount. I've made several calls requesting instructions on how to make a 'Principal Only ' payment and each time I'm told that it can not be done. Every loan of every type with various banks, which I've had in my many years as a consumer, have always allowed additional payments, over and above the set monthly draft, to be made and applied only to the principal without having additional interest deducted from those extra payments. Whether this is a student loan, auto, loan, or mortgage loan does not make any difference. They all have allowed principal only additional payments to be applied. They all have allowed me to also set a payment amount to be drafted each month over and above the minimum set by the particular banking institution. This is not allowed with Wells Fargo. Making additional principal only payments to be applied without additional interest being deducted from the additional payment is not possible with Wells Fargo. Every one of the customer representatives ( several ) that I've spoken to and questioned this with can only reference back to the loan interest being compounded daily and even go so far as to speak to me as if I do not understand that interest must be deducted from my monthly payments before principal can be applied. It's exhausting, shocking that these reps are that unknowing of how a proper, legal loan is supposed to be handled and regulated, and it's also offensive to me as a consumer. I've even asked several representatives for a simple amortization schedule for my loan and they each tell me that it's not possible, not available for my loan, and one even had no idea what it was. For a bank not to be able to produce this for a fixed rate loan gives pause that potential illegal activity is at play with my loan.
Product: Debt collection

Debt was paid, and they agreed to remove it from my credit. however its still on my credit. I want it removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XX/XX/XXXX 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
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX TRASUNION Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g.XXXX XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( TransUnion, XXXX, and XXXX ) : TransUnion : Highest reported balance : {$2700.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : $ XXXX balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$2600.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off, '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the XXXX report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus. 

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to your quick response.
Product: Debt collection

Two representatives from First Credit Services called me on two different dates. XXXX XXXX called me on XX/XX/2021 at approximately XXXX XXXX  eastern time and XXXX ( last name unknown ) called me on XX/XX/2021 at approximately XXXX XXXX eastern time. Both individuals confirmed the call is being recorded for training purposes. Not only did they call me repeatedly, but there was abusive language, no consent directly from me to contact me, and they called me at my place of business since I am an XXXX XXXX with an XXXX business. There are more details in my attached letters. The company has yet to respond to my two letters.
Product: Payday loan, title loan, personal loan, or advance loan

I had a personal loan thru XXXX We paid off this loan in full early on XX/XX/year>. When we paid off the loan we overpaid it by {$990.00}. We contacted SOFI in regards to this on XX/XX/year> and were told we would receive our overpayment back in 6 to 10 days via direct deposit into our back account since the process was started on XX/XX/year>. We waited the 6-10 business days and did not receive the money. We contacted SOFI again on XX/XX/year> and were told they didn't start the refund process when they said they did and would have to wait another 7 business days until they would give us back our money
Product: Credit card or prepaid card

This will be my second time submitting compliance against Chase cards with you guys, thx for solving problem last month on my XXXXXXXX chase account, this time ... it will be the XXXX XXXX XXXX card I choose to terminate with Chase ... still..my inquiry involved remaining benefits I earned and to be kept with me as ALL my airlines credit card..XXXX  of last year I opened this account and earned XXXX XXXX XXXX XXXX XXXX  ... when arriving to XXXX XXXX at XXXX XXXX XX/XX/21 I discovered no amenities were due to Covid ... only XXXX never informed me with those limitations ... when I asked my pass to be reinstated they refused and climbed it was used already ... .not only I didnt use that really in a full way its should be ... I did understand and gave them chance to have me returned when full service will be offered ( all my other airlines did offer full hot food even at Covid time/2 month ago and even asked me if I wanted credit for next visit as food was not to 100 percent as usual/ XXXX card XXXX  and my XXXX from XXXX XXXX this bank as well terminated my second pass that was NEVER used and was good till XXXX of this year after for SURE they made me complete amount of spending with that credit card
Product: Debt collection

On Thursday XX/XX/2021 my credit scores from all three credit reporting bureau 's dropped a whopping XXXX points. I had know Idea why but I watch my credit score closely and was notified by my bank. I checked the credit reporting companies and they staited the the cause was a delinkquent XXXX XXXX charged by a company called Transworld Systems which represents the unregulated power company in XXXX called XXXX XXXX XXXX. They claimed I owed XXXX XXXX XXXX. Now I have never lived in XXXX  and I have been a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for about 40 XXXX The following information about the fradulent XXXX XXXX bill was on the XXXX web site : Account XXXX : Amount past due ... ... ... ..Not Reported? 
Bureau Name Transworld Systems Account type : ... ... ... ... ... Not Reported? 
Original Lender : XXXX XXXX XXXX  Responsibility : XXXX XXXX of account : ... ... ... ... XXXX month? 
Credit Limit : ... ... ... ... ... ... ... Not reported? 
Higest Balance : {$850.00}. Thats it, that's all the fradulent billing they presented to the Credit Bureaus that severely damaged my credit score. 

Additional documentation into the dispute said only this : Account Number : XXXX Account type : Collections Date opened XX/XX/2021 {$850.00} past due as of XX/XX/2021, that a XXXX power bill for ONE Month! 
Terms : one month. 
After disputing the 3 bureau 's, I called Transworld directly at XXXX and spoke to a rep named XXXX. I told her this was a mistake on their part, that I was a XXXX XXXX and very knowledgeable about the FDCPA Act and the FCRA Act, so we could forgo any lies or made up stories about how this happened. The reps attitude changed for the the better Immediately. She told me that the bill was actually from a location in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX then asked for a copy of my drivers License to which I said absolutely not. I reminded XXXX that XXXX XXXX can not under any circumstances do business in the state of XXXX as the XXXX have never given them any type of approval to provide any service to customers in XXXX. But we did make an agreement that I would give her a ( partial ) copy of my latest XXXX XXXX XXXX with the account numbers blocked out ( they already had that information ) and they agreed repeatedly to provide me with a hard copy of the investigation that was expected to take 30 days. I have zero faith that they will comply. So it really comes down to 10 Power breaking federal Interstate commerice laws, which is quite serious. I will now be filing a complaint with the Federal Trade Commission which makes their actions a felony.
Product: Checking or savings account

I made a mortgage payment on XX/XX/XXXX for {$680.00}. I receive an email stating my account was short XXXX. I want and put XXXX in my account on the same day I received the email to cover the mortgage and the company. On XX/XX/XXXX I received another email stating that the mortgage payment reversal for {$680.00}. and I was charge {$35.00} when the amount was in my account to cover the payment.
Product: Debt or credit management

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX a total of XXXX $ was sent to a cash app with the same name as mines with no Permission or authorization from me I believe the cash app team that has members that gather up people personal information & supposedly help people when they have issues on transactions or something seem to appear that they are stealing and
Product: Credit reporting

On XXXX XXXX, XXXX I received an alert from my credit monitoring company that XXXX credit services did a hard inquiry on me without authorization. I 've had an inactive account with them since XX/XX/XXXX and have never authorized any credit under my name from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXXXXXX wrong status XXXX XXXX XXXX  XXXX XXXX XXXXXXXX wrong status XXXX XXXX XXXX/XXXX XXXXXXXX wrong status XXXX/XXXX XXXX XXXXXXXX wrong status INQUIRIES XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX   XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX  XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXXXX/XX/2018 unauthorized XXXX XXXX/XXXX XXXX  XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized PUBLIC FILINGS BANKRUPTCY CHAP XXXX-DISCHARGED XXXX inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX reported a false late payment to the credit agencies and now they refuse to remove it. Unfortunately, I do not have proof of the check or date of occurrence as it was 3-4 years. My bank just does not allow me to go that far back. 

As I recall, I made a monthly payment to XXXX XXXX/XXXX  XXXX and mailed the check to the address found at the back of the statement. For some strange reason they could not locate my check. They later identified that it was received by another department. When the payment was finally transferred to the correct department, it was processed into the system as being received that day. Even though it was paid and recieved prior to the due date. 

This payment has lowered my credit score significantly and hurt my chance of obtaining school loans. I tried disputing the incorrect information with the crediting reporting agency. However, XXXX XXXX keeps declining, despite the fact that it was their fault the payment was late payment. Also, the company did not take into consideration my excellent payment history with them. They rather see good customers like me, credit, take a major hit. This is one of the reasons so many people are struggling is because credit card companies are quick to tarnish consumers credit, knowing that America runs on credit.
Product: Mortgage

On XX/XX/2019, the judge authorize a stay on my home being sold to work out a modification with the lender : XXXX/Bayview Loan. They refused to accept my application due to exceeding number of modifications. Their are homeowners with five or more modifications. There are No rules stating how many modification are allowed. They have also waited for my previous modification applications documents to expire as to keep me in limbo and allow my home to be sold.
Product: Credit reporting or other personal consumer reports

My information was affected but the XXXX XXXX. My information was exposed, you must removed within XXXX days. Under section XXXXXXXX XXXX this information must be removed within XXXX days. Don't try to use the XXXX days to fix my entire credit file. My entire file was exposed to the XXXX XXXX
Product: Debt collection

I have tried contacting GM Financial several times in order to have this debt validated which I have yet to receive anything and also removed from my credit report and it is still being reported. I have sent several certified mailings to the company on several occasions XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I still have not received anything. At this point it has gotten a little ridiculous because this debt dates back to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Payment mailing address is listed incorrectly in payment book causing delays in processing, resulting in late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, a HARD inquiry made by CREDCO was added to my credit report. This is a bank and I did not authorize this! 

Please help
Product: Debt collection

I recently changed wireless carriers from XXXX to XXXX XXXX XXXX XXXX Of course, this was not without hiccups and challenges. While waiting for my final bill ( but not being behind on the XXXX  bill at all ), I received a collection notice from a company called Convergent. My account was not yet even 30 days from the final bill and I still have not received said bill. I had made at least one payment toward the bill directly to XXXX less than 5 days prior to receiving the notice from Convergent, and XXXX has verified that I my account has not been written off or put into collections. Despite this, I am fully aware that Convergent had to get my information from somewhere. With this reason, I would like to formally file complaints against both parties, XXXX and Convergent.
Product: Credit card or prepaid card

I made vacation reservations XX/XX/2021 and within a couple hours I canceled- not once - not twice- but multiple times with : XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, FL XXXX XXXX *Email Us* at : XXXX *Visit UsXXXX at : XXXX Even though I emailed them to cancel [ XX/XX/2021 ], they continued to send me confirmations. I never completed a confirmation. Rather, I returned their email confirmation with a cancelation. I repeatedly sent them an email to cancel, but when their charge of $ XXXX appeared on my Capital One card, I disputed it. Capital One says I'm still liable. 

I have numerous emails showing cancelations, which combined with my lack of confirmation, should be sufficient to remove the charge. 

Since getting mixed up with XXXX I have found that the Florida XXXX  has received numerous complaints similar to mine with the same co. 

Please help me. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ohio XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 at XXXX XXXX, I placed and order for cleaning products totaling {$70.00} and paid the seller using PayPal. My bank account attached to my PayPal account was charged {$70.00} to pay the seller which is correct. 

On XX/XX/2020 I received an email from PayPal giving me details of the shipment with a XXXX tracking # XXXX. Upon checking the tracking number on the XXXX tracking site, I found the products were shipped on XX/XX/2020 and delivered on XX/XX/2020 to a commercial address. These products were shipped prior to me placing my order. 

On XX/XX/2020, I emailed the seller and explained I never received the shipment. On the same day, I sent another email informing the seller what I had learned from XXXX. I also sent a message to the seller through PayPal. No response was received from the seller. 

XX/XX/2020, I filed a claim with PayPal and received an automated email, shortly thereafter, the claim was denied. 

On XX/XX/2020 at XXXX XXXX, I called my bank and filed a dispute regarding the {$70.00}. 

On XX/XX/2020, I made a bad decision, and gave PayPal another chance to review my claim that was denied. The PayPal agent overturned the denial and decided the claim in my favor and credited my bank account the {$70.00} which showed on my bank account XX/XX/2020. 

On XX/XX/2020, my bank made a provisional purchase adjustment crediting my account {$70.00} pending the dispute outcome. They explained to me if PayPal credits me the money then the dispute would be closed. 

On XX/XX/2020, I called my bank and told them I was credited back the money from the seller and asked them to close the dispute. They said I could not close the dispute myself that they would need to hear from PayPal even though the credit was reflected on my bank account. 

On XX/XX/2020, PayPal applied a negative {$70.00} on my PayPal account stating I received two credits and need to pay them back their {$70.00}. 

From XX/XX/2020 to XX/XX/2020, I continually had conversations with PayPal through their message center informing them they just needed to contact my bank and inform my bank they credited my bank account the {$70.00} and my bank would reverse their credit and close the dispute. However, PayPal keeps stating it's between me and my bank. 

I have given PayPal my bank 's Dispute Department phone number and the case number. PayPal will not notify my bank of outcome. 

I'm not paying PayPal back the {$7000.00} when after 90 days my bank will make the decision to remove their {$70.00} having seen the credit on my account. 

How can PayPal place a negative balance of {$70.00} on my PayPal account without showing it in my activity as to why I was charged {$70.00} back? 

I'm totally frustrated with the entire process. I can't do anymore than I have to rectify the problem. 

I hope that you can help me as PayPal is not cooperating and charging me {$70.00} now. 

Thank you. 







On XXXX
Product: Mortgage

Due to a divorce I had to declare bankruptcy a little over two years ago. During the divorce proceedings we were told to stop making payments on the mortgage as neither of us would be able to afford the house on our own. That was XX/XX/2010. Since then the bank has never finished a foreclosure. They have started multiple times but just never finish it. I was under the impression that after my chapter XXXX bankruptcy went through that I would have to wait a minimum of two years before qualifying for a mortgage. I did everything in my power to repair my credit and when the time came my credit was good enough but they would not give me the loan due to the bank not finishing the foreclosure. I paid {$10000.00} to my landlord for the option to purchase and now ca n't purchase. It 's been nearly 5 years since we stopped making payments on the mortgage and my debt has been forgiven. Now the bank has sold the mortgage to another mortgage company and they are starting the process all over again. It 's already been six months since they have filed for foreclosure and I 've spoke to both the attorneys filing the foreclosure and the new mortgage company and they are not sure what is going on. All the previous attempts have just been cancelled without prejudice. Regardless even if they do get it finished I will have to wait an additional 3 years before I can apply for a FHA loan. I have done everything asked of me and because the bank can not finish their process I have been set back a minimum of 3 more years. How is that fair to the consumer. The mortgage companies need to be held accountable for the devastation they are causing the consumer. Thanks to this process I most likely will have to move and lose {$10000.00} in the process.