23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Wakefield collections on XXXX XXXX XXXX XXXX for over XXXX was not filed with XXXX and XXXX XXXX it shouldve been they knew I had XXXX  XXXX and I was not to be charged a cent they took my info and I called ask and ask the XXXX XXXX XXXX  ssid we mailed ur info to you I ask for proof she said its in the mail You will be charged you dont pay it goes to collections Asking why I was charged when my insurance approved and said I was to be charged XXXX Bit as you service true to get them to remove info they XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX through the app ) regarding late payments caused by an autopay setup failure for a XXXX  XXXX XXXX ccredit card. Customer service agent promised that, upon payment, late fees would be refunded and the late payment would not be reported to credit. 

XX/XX/XXXX - Applied to auto insurance with XXXX, and discovered that my credit score was down by 100 points due to a reported late payment. 

XX/XX/XXXX XXXX - Called XXXX XXXX XXXX XXXX through the app ) to inquire why the late payment had not been handled, was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

XX/XX/XXXX XXXX to XXXX - called several times from numbers from the mobile app and website, could not get connected with an agent. 

XX/XX/XXXX XXXX - Called XXXX XXXX  XXXX XXXX XXXX ) to inquire why the late payment had not been handled, was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

Got re-connected, on the same call, to another customer service representative ( an " escalations manager '' named XXXX XXXX who gave the number XXXX to follow-up with ), and again was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

XX/XX/XXXX XXXX - Called XXXX XXXXXXXX XXXX XXXX through XXXX ) to inquire why the late payment had not been handled, was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

This time, however, I also discovered that I didn't actually even get the late fees refunded as promised, but rather, that XXXX XXXX XXXX had instead drawn the payment from my checking account twice without authorization - we had only given authorization for a single payment. This was an un-authorized payment of {$220.00} being taken from my checking account by XXXX XXXX XXXX, applied to the credit card, putting my current balance on the card at $ XXXX ( i.e. {$210.00} needing refunding ). These payments were taken on XX/XX/XXXX ( {$220.00} ) and XX/XX/XXXX ( {$220.00} ). 

XXXX re-connected to another customer service representative ( an " escalations XXXX '' named XXXX XXXX '' ). Again, the customer service representative promised that the forms to fix the issues were filed.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 written request through certified mail requesting verification with my signature for the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have yet to receive anything with my signature and they also sent me with my dispute results at they will not investigate these accounts again. I sent these request starting from last year and my most recent request was XXXX of this year. These accounts are hurting my ability to be able to get back in the XXXX.
Product: Money transfer, virtual currency, or money service

I contacted Synchrony Bank on XXXX to close my account and transfer {$510000.00} to my XXXX bank account which has been linked to my Synchrony Bank account for XXXX  years. I was told i would have the money within XXXX business days. I expected the money by XX/XX/XXXX. On XX/XX/XXXX i called Synchrony Bank when XXXX told me there were no pending XXXX  transactions for my account. I was told i would have it by the end of the week. I called again on XX/XX/XXXX I was told it was " in process '' and was being worked on at XXXX and could expect the funds on XX/XX/XXXX. Today, there are still no pending XXXX transactions. Synchrony Bank is holding onto my funds and failing to release them in a timely manner. I have spoken to many people and they don't have anything to say except please wait.
Product: Credit card or prepaid card

By my mistake, a payment of {$8.00} was declined by my bank on XX/XX/2023. This immediately resulted in an {$8.00} fee being charged the same day, plus an interest charge of {$4.00} on XX/XX/XXXX. 

However, there was a new interest charge of {$5.00} on XX/XX/XXXX. I believe this charge of {$5.00} was mistaken and I would like to request a refund. 

Also, I would like to ask for a reconsideration of fees as I always pay my card bill regularly and have never been late on a payment. 

Thank you in advance.
Product: Credit reporting or other personal consumer reports

This is once again my request for your agency to correct or remove the reporting of these items to the three credit bureaus. I am disputing the late payment entry, stating that I have effectively resolved the account by fulfilling all payment requirements and meeting all obligations outlined in the settlement agreement as well disputing the fraud items. I strongly contend that the late payment entry is erroneous. Despite my attempts to address this issue and provide evidence of the settlement, the late payment entry and appearance of fraud items persists on my credit report. XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I made a transaction through paypal for an XXXX  from my bank debit card in the amount of $ XXXXbut decided to cancel within the time frame given for a full refund by XXXX  on XX/XX/2024. According to Paypal a refund was issued back to my bank debit card on XX/XX/XXXX to my bank debit card. However, the bank has not received the refund of the {$540.00} back to my card. Ive called Paypal everyday starting on XX/XX/XXXX, and was told that they would do a transaction trace and that I would receive an email within 24 to 48 hours and still no email from Paypal has been received nor have I received my refund. 
As a XXXX  citizen this is causing undue financial hardship on my finances and I cant seem to get a resolution from Paypal. I feel like Im getting the run around with no resolution to my issue. The customer service number is very difficult to get to speak with someone in person and when you do they cant provide a satisfactory resolution to the problem.
Product: Student loan

XX/XX/2005 I applied to XXXX for a training program. Within 2 days I contacted the school to let them know that I had decided not to take there course. The school did not cancel my application and a few weeks later I started recieving billing statements in the mail from the lender for the loan of {$7400.00}. At that time I was young and not very educated, so I started making payments. I have been paying on average {$80.00} dollars a month for 13 years on a loan that I did not recieve services for. As of now I have paid {$12000.00} and still have a balance of {$3000.00}. I called the lender that I am making payments to and they said there is nothing that they can do because it is a private loan and XXXX has since closed. Please let me know if there is anything that can be done. Thanks
Product: Debt collection

There was a. XXXX k. Something on my. Credit report that showed unpaid and I was paid end of on XXXX or. XXXX it was. Chase credit card
Product: Credit reporting or other personal consumer reports

I have received a credit report that suggests I owe you something, but I have not seen any evidence to support this claim. Therefore, I demand that you dismiss all claims against me and remove any negative reports about me, especially if the reported items lack mandatory document evidence of verified factual proof of claim, reporting truth, accuracy, correctness, completeness, fullness, timeliness, ownership or responsibility of claim/reporting, and/or compliance with certified Metro 2 format reporting standards. I also demand that you prove your lawful authority to conduct business with me, as I will not conduct any business interaction with you under duress. If you fail to comply with this demand within 20 days of receiving this notice, you must immediately and permanently cease all derogatory or injurious actions against me, including but not limited to reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. 
Please be aware that any such behavior could be considered criminal harassment or extortion, and I will take appropriate legal action. Therefore, please rectify any alleged chicanery-laden subterfuge on my credit report by removing any delinquently reported items. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX made $ XXXX transfer to associate using capital one XXXX app XXXX  feature. On XXXX received note from associate asking about whereabouts of payment. On XX/XX/XXXX contacted capital one. Capital one attempted to cancel the payment but was unsuccessful. While on the call capital one verified the phone number of the recipient of the transfer. I was referred to claims department to initiate a claim and was informed that the investigation would take up to 45 days to resolve. I subsequently made a small test payment to the recipient via the same phone number successfully. At this time I am out $ XXXX with no indication what went wrong, where the money is and what will happen next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the TransUnion Credit Bureau XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
XXXX XXXX
Product: Checking or savings account

I just dont understand how when I deposit money into my accounts, then it will slowly and surely disappear, and when I call Wells Fargo Bank Customer Service XXXX XXXX, inquiring about it, they really have no explanations of what happened to my money, where at times it does put me into overdrafts with occurring fees.
Product: Money transfer, virtual currency, or money service

I own and operate a small business. I had recently opened a PayPal account for added convenience for my customers. I have received incoming customer payments and sent funds from my PayPal account. I have been very diligent with my PayPal transactions and usage. I had recently processed credit card transactions manually inputting the card details. PayPal had placed a portion of these funds on hold. I contacted PayPal to ask the reasons why. I was informed the PayPal policy is any amounts to processed over {$500.00} in a one week period would be placed on hold. PayPal informed me they would release the funds as a courtesy because this was new and informative to me as a customer. I had called a few days later to follow up because they had not yet released my funds from the hold. The representative was rude and disconnected my call. Within one hour, I received a email from PayPal stating my account has been closed. 
I did not violate any law or terms of use in the PayPal terms and conditions. I have no chargebacks or bad transactions. I was not given any opportunity to explain my usage and given to opportunity to appeal this unjustified PayPal internal decision. PayPal representative I just spoke to, informed me PayPal is keeping my funds for 180 as standard PayPal punishment policy. I am aware of my state regulations and will contact my state regulators office because this is not fair business and treatment by PayPal
Product: Credit reporting or other personal consumer reports

Obtained a copy of my credit report recently and saw a inquiry. 
I never applied for a hard pull with this company. Requested proof of application. 
Company could not provide. there was a data breach with information provided on applications. i had to put a freeze on my credit report afterwards. 
This is a Trans Union inquiry only. 

XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history 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 to be 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 21 days before the payment due date. 


EXPERIAN 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! 


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

In a perplexing turn of events, I discovered unauthorized inquiries attributed to Chex Systems littering my credit report, tarnishing its once pristine state. These unwarranted entries, like blemishes on an otherwise flawless canvas, spoke of a narrative I had no part in. Moreover, the manner in which Chex Systems reported my financial history was riddled with inaccuracies, painting a distorted picture of my creditworthiness. Fueled by a sense of injustice, I embarked on a rigorous dispute process, invoking the protective shield of the Fair Credit Reporting Act 's 15 U.S. Code 1681e ( b ) clause, which mandates the accuracy of credit reports. With meticulous attention to detail and unwavering determination, I demand the removal of these erroneous entries, seeking to restore the integrity of my credit profile and uphold my rights as a consumer.
Product: Student loan

I attended XXXX XXXX school in XXXX Georgia. The program lasted XX/XX/XXXX through XXXX of 2014. I graduated in XX/XX/XXXX and have been paying Sally Mae XXXX $ per month ( I was set up on automatic payments ) Last month my automatic payment went from XXXX $ to XXXX. They did not notify me of the change and my checking account is now overdrawn with around XXXX $ in overdraft fees. I called Sally Mae and they said my payment is now XXXX. I told them that I was not working in the field I was trained for and that I could not pay that much a month ( that amount is more than my rent and car payment ) I can not pay that amount and be able to pay my rent or buy groceries. I asked if the payment could be lowered until I get a better paying job which I was trained for. They said no. I told them that I was not going to be able to pay my rent this month. Finally after talking with a " manager '' I was told that for XXXX bucks they would credit my acount the XXXX. That was over a week ago and they have not credited my account. I am still overdrawn at the bank and at risk of being evicted from my houde because I am negative XXXX in my checking account. Not only is Sally Mae unwilling to work with me and lower my payments to something affordable until I get a better job, they lied to me and have not refunded my money so I can pay my rent and utilites. I just want them to work with me and do what they said they would do so I can get back on my feet, be assured that I have a place to live, so I can actually keep my job and pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts XXXX XXXX XXXX and XXXX XXXX were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Product: Credit card or prepaid card

XXXX XXXX billed me for a service I never authorized ( see attached documentation ) on XX/XX/XXXXat XXXX They billed on my credit card a {$490.00} charge for a next full year of service. I contacted XXXX XXXX and said I never authorized the charge and did not desire their services for another year ( see attached documentation ) - I notified XXXX XXXX on XX/XX/XXXX at XXXX XXXX that I never authorized such billing I explained to XXXX XXXX that I had already removed them as the registered agent and they continued to bill the {$490.00} charge anyway I contacted my credit card company and they then removed the charge About a month later XXXX XXXX billed the charge again by claiming the charge was for service provided Which is a lie The charge was for future services that I did not wish to have from XXXX XXXX ( see attached documentation ) Now it is fraud and my credit card company refuses to accept the charge as fraud and will not remove it
Product: Credit reporting or other personal consumer reports

There is a fraud alert freeze on my credit. 
Everything I apply for I get denied I have nothing negative on my credit.it says for the creditors to call for verification but just deny me I need this fraud alert lifted immediately
Product: Mortgage

Company failed to pay, from a fully funded escrow account, the property taxes on 3 of the 4 parcels associated with the loan in early XXXX for tax year XXXX. This resulted in the local tax office withdrawing taxes that were overdue, with penalties and interest from my bank account. After many attempts, I was finally put in contact with a lady that assured me that the issue was investigated and mitigated and there would be no further issues going forward, without reimbursement to me for penalties and interest paid by me, due to their own failure to pay the bills when due.

So, with much speculation, I checked on the payment status of my property taxes with the local tax office on XX/XX/XXXX only to find out that the problem has not been solved. Company paid property taxes on 1 of 4 parcels for tax year XXXX on XX/XX/XXXX. And once again, the local tax office has levied penalties and interest again.

After speaking with company rep today, I was told that he could indeed see in the notes where this was an issue last year and it was noted as fixed on the account. Rep then proceeds to tell me that he would send a request to tax department for payment. With no trust in the process at this point, I asked to speak with someone in the tax payment department and was told NO. It is on the recorded phone call. All of it.