23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, Please consider this an official complaint against XXXX XXXX for the deceiving sales practices used by their representatives. My name is XXXX XXXX. I recently went on a vacation for my birthday to XXXX XXXX XXXX in XXXX, FL. This reservation was made using points from a contract my husband and I agreed to last year in Virginia. Upon arriving to the resort, my husband and I were invited to a presentation to which we agreed to attend. After attending we were presented with an upgrade/amendment. We were not told this was a new contract. We were not told this would require payment of additional maintenance fees on a monthly basis. I also agreed to sign up for a new Wyndham Rewards credit card which I was told was different than the one I already had. When I received the notification about my new credit card, I was in absolute shock when I realized it was the exact same credit card I already had. Why would anyone apply for a credit card that they already possess? It makes no sense. I even called the credit card customer service line to make sure there wasn't something I was missing here. The representative let me know the cards were exactly the same. No additional points are earned on purchases, no additional time with 0 % interest, nothing. It is literally the same card. Not to mention the additional hit to my credit score that was completely unwarranted. So I reach out to XXXX, who is the person who sold us the " amendment ''. His cell phone # is XXXX. XXXX reached out to me by phone on XX/XX/year> to let me know that he would cancel everything and that in 30 to 45 days everything would be canceled. I believe what prompted his call to me was my initial email to XXXX XXXX ( XXXX ) on XX/XX/year>. I have attached a screenshot of my email reply to XXXX to this message for your convenience. These communications were all had within the 10 day rescission period for the state of Florida. As time passed, I began feeling very anxious about all of this. So I reached out to XXXX again over text and he called me to reassure me that everything would be canceled. But when I called in to XXXX XXXX customer service, every representative has stated that we now have two contracts with two maintenance fee amounts with no indication of an upcoming cancellation. I continue to reach out to XXXX and XXXX hoping I can get actual proof of the cancellation XXXX verbally expressed by phone on XX/XX/year>. I have gotten no response from either XXXX or XXXX. I am attaching screenshots of the texts I have sent to XXXX. You can notice the tone in those text messages changing with time since I have not heard from him. To make matters worse, every time I call in to Wyndham Cares or the general customer service line, I am met with what I need to do but never an apology or a solution. At this point, I do not want to do any business with XXXX XXXX. I respectfully request to have all contracts between my husband and I and XXXX XXXX cancelled immediately. To ignore this request would be a serious violation of our rights as consumers. I can be reached at XXXX or via email at XXXX. 

Thank you for your time and attention.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/2024. Unauthorized charges. Ive asked the Bureaus to remove it from my credit report. They have not been removed. The Bureaus did not do what I asked. I have attached an identity theft report. I requested them to be removed because they are inaccurate and are not mine.
Product: Debt collection

I am receiving harassing phone calls and will be meeting with counsel to file suit against said debtor. 

They have provided no proof that I owe anything it is all hearsay, until the provided information is received the debt is not understood. 

I am giving 30 day response time with all documentation provided, or debt be removed. Per my legal rights.
Product: Money transfer, virtual currency, or money service

Im extremely upset and disgusted with the way PayPal has handled this situation. Ive called in numerous of times the phone will hang up and Supervisors are rally available. Ive now been dealing with this situation going on a year. In the amount of {$490.00}. PayPal has sent the claims to a creditor to get the negative balance paid on my account without even consulting me first To resolve the matter or to seek clarity. As requested for the claim I was to send the product back to the seller in XXXX which I did. Proof is also upload it finally to PayPals website which I had several technical difficulties. The address that I sent the product who is the same address that the seller used to send me the product initially. In my documents you will see in the image provided that the address thats listed on the package is the same address where the product was returned. It is not my fault as the buyer to know exactly the sellers address whatever address that was provided to me is the address that was used. I feel the requirements by sending the product back and its been gone for several months only for it to arrive back in the US as of XXXX with a stamp from XXXX. Ive waited on hold dealing with PayPal for XXXX hours trying to get hold of a supervisor when I finally got a hold of a supervisor she was extremely rude and nasty. She did not care about my matter it was completely nonchalant and lack sympathy. I expressed my frustration with her and asked to speak to someone else and she said no one was available. It was completely unsettling to hear people laughing in the background while Im waiting for an hour for service. This has been a completely traumatic experience that shouldve been handled several months ago. PayPal reverse the credit after 90 days. The credit shouldve been final in the amount of {$490.00}. Simply because I sent the product back and I even called in and ask a representative when will I get confirmation to get my refund and they stated that as long as it arrives in the country the seller should be able to locate it.
Product: Credit reporting or other personal consumer reports

a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency.

( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported.

accordance with the fair credit act first progress, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE
Product: Debt collection

I am writing about an apartment complex that inflated the amount that was owed to them and refuses to remove the debt from my credit report after I have disputed multiple times, I have also sent original email proving that there was a discrepancy before the account was ever placed in collection and they still refuse to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax neglected to properly handle sensitive personal information and allowed a massive data breach that is impacting half of the citizens of the United States. I checked on their website http : //www.equifaxsecurity2017.com and it verified that my personal data was breached while attempting to take further advantage of their own malice for profit and sell me a service while declining my ability to participate in a class action lawsuit. They are taking no responsibility for their criminally irresponsible actions and I am forced to bear the consequences personally. They only offer 90 days of credit monitoring service, but my information is permanently leaked.
Product: Money transfer, virtual currency, or money service

On XX/XX/22, a PayPal payment was made from my bank account, for {$100.00}, to the XXXX  XXXX. 

I contacted the XXXX  XXXX, and they issued a {$60.00} refund the same day. 

The refund shows as pending in my PayPal account. PayPal will not release the money to me. They said they are still waiting for my bank to send the initial {$100.00} payment to them. The {$100.00} cleared my account on XXXX, so PayPal already received their money.
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Yes I just purchased a new lease vehicle. Called ally bank. Asked for a deferral. They told me I have too weigh 6months. I'm in social security XXXX. Going thru hardship. Also corona virus. Hoping too get deferred payment. Hope they can make exceptions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

Portfolio Recovery calls all of the time about very old credit card debts that were charged off. They call on weekends, Sundays, holidays, late at night, and disrupt me during work as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of account below. I have no knowledge of this account it is fraudulent. I have never lived at these apartments dont know what this collection is about I am not associated with the fraudulent account also it added an extra address that I am not associated with. Please remove this account as it is messing with my livelihood. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX Date opened : XX/XX/year> REMOVE ALL INACCURATE PERSONAL INFORMATION EXTRA NAMES, ADDRESSES, BIRTHDAYS, PHONE NUMBERS EMAILS I SHOULD ONLY HAVE 1 OF EACH.

investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

I have taken immediate steps to address these concerns and am currently in the process of rectifying this issue. Please investigate this fraudulent account as a matter of urgency, and kindly provide me with the necessary information to on and assistance to resolve this matter swiftly. Thank you for your prompt attention to this matter. Please remove this account as it is fraudulent. 

XXXX XXXX Social : XXXX Yes it is me disputing no one is representing me at this time. 

( IF THIS ISSUE IS NOT FIXED I WILL GO TO THE ATTORNEY GENERAL FOR NOT FIXING FRAUDULENT ISSUES WITH MY CREDIT REPORT.
Product: Debt collection

They have called and left a voicemail to a person I share a home with. on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. I submitted a request on their website to not contact a specific phone number. They proceeded to call that number. I called them today and told them to not contact that number anymore. They did not confirm they will stop, and proceeded to attempt to get more information out of me.
Product: Checking or savings account

XX/XX/2022, I called to make some corrections to my account the person on the phone picked up the phone took it off the hook, and I can hear the person working on the phone at the office instead of saying anything the person is leaving the hook off the phone. I have a I encountered this XXXX XXXX XXXX they usually do this often, I was a patient there somebody called and the person picked up the phone and left it off the hook and this is what U.S. bank is doing this morning time now is XXXX Am Central it reflects back on the company ah I demand apology for
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had a parents plus loan with XXXX XXXX now owned by Navient the loan was in deferment and granted forbearance but the creditor reported the account 120 days past due on my credit report they did not notify me that the account was due until after the late payments reported on my credit report and the will not remove the late payment history the have no documentation of notifying me the loan was due or late how can I get this removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  to inquire of a credit card someone attempted to open in my name and they wouldn't give any information other than asking and I foolishly gave them all my information. I am afraid of identity being stolen again. I am a victim of identity theft. The matter I assured them it was not me, for I have not written a since the late XX/XX/1990 's. Please remove the items that pertain to me. I not ever received any correspondence of any kind such as phone or mail.
Product: Credit reporting or other personal consumer reports

Transunion continues to fraudulently reported a credit card account that does not belong to me. This account XXXX ( Account # XXXX ) in the amount of {$4500.00} was not initiated by me the consumer and so it is a fraudulent account. I need it to be removed, I am suffering damage to my reputation and its disturbing my ability to operate in the world as a consumer.
Product: Mortgage

www.consumerfinance.gov referrral XXXX dcase no XXXX XXXX XXXX, XXXX XXXX IA XXXX The terms of the RESPA are for an automatic termination of PMI once the loan amount owing the Mortgagor ( bank of America, has reached 78 % in XXXX dollars of the orginial purchase price of the home. I dispute BA determiniation to continue PMI payments ( billing of mortgagee ) .The basis for my diispute against BA terms is they are not folloiing good banking standards and procedures by violating RESPA terms that enact atutomatic PMI discontinutioaon with no appraisal needed when my loan reached 78 % remaining to be paid from the original purchase price. I request Consumer protection agency to review the necessity for BA to adhere to RESPA terms and issue me a refumd of overpaid PMI since loan reached 78 % loan to value of orignal pruchase price, no survey required. I further request that BA cease and deisist in its insistence on billing {$15.00} a month or any amount for PMI. I request assistance and i give authorithy to Consurmer financial proctection bureua ( CFPB ) tor recover overpaid PMI and refund to me. I look forward to the final determination from CFPB in this matter.
Product: Debt collection

The company sent me a letter telling me they would pass a judgement on me if I did not respond to the letter within 7 days. 

However, the letter was dated XX/XX/XXXX, but it was n't postmarked until XX/XX/XXXX. I did not receive until XX/XX/XXXX ( I was not around to check my mail on Sunday. 

They have only cashed one of the checks I have sent them, and they tell me they are not received ( The first three were sent to the firm 's principal office in XXXX, but they should have made it to the correct place eventually XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). The last check I sent them was for {$150.00}. It was mailed XXXX XXXX from XXXX, XXXX, where I was traveling at the time. The check number was # XXXX. It was mailed to LGBS, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I wish I could send checks certified, but it is prohibitive for me to get to the post office during working hours. 

I was not made aware of this debt until the debt collector contacted me, then they called me on my work phone twice after I asked them to just call me on my cell phone. 

Photos of the letter and the postmark are attached. The rerouting sticker covers up the original postmark, but it is generally the same day or one day later. However I have shared my new address with them so there was no reason for the letter to be rerouted in the first place. I believe this was just another delaying tactic. 

I have also attached screenshots of my bank website showing that I have made another payment today, and another one is scheduled in XXXX weeks. When they either call or write to say the payment is n't received, I will submit a new complaint with either a recording of the phone call or the letter and also take it the both the XXXX and XXXX Attorney Generals office. I regret that I did n't collect the evidence sooner.
Product: Debt collection

Transworld systems Inc placed collections to my 3 major credit bureau accounts and I never received any mail, email, or phone communication regarding the debt collection attempt or given an opportunity to dispute the debt and repeat verification.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to Equifax and XXXX requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

Equifax 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes in light of recent cfpb lawsuits. Despite using Zelle a bunch of times and reporting problems, my bank and Zelle didnt adequately investigate my claims. They told me recovering my funds was not possible and tracking them was also not possible. Cfpb said zelle has neglected to protects its customers and allow repeat offenders to exploit the system, leaving the users vulnerable to scams. The lack of accountability and transparency raises huge concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Account # XXXX  with Lender : KikOff Lending , LLC, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a collection account as included in personal receivership. It was not. I paid this account. It was never part of a bankruptcy. I have asked 3 times to have this changed.