23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my deep frustration and disappointment regarding the recent closure of my PayPal Credit account, provisioned by synchrony financial, without prior notice. The account was closed citing two failed payment attempts, despite my timely settlement of dues through an alternative payment channel. 

synchrony financial asserts that the closure was triggered by two attempts to pay with invalid account details. However, I did not manually enter my account details. PayPal uses XXXX, a third-party service, to link bank checking accounts after authentication. This clearly indicates a technical issue on the part of PayPalXXXX XXXX 

When I contacted PayPal customer support, I was informed that PayPal Credit accounts are managed by Synchrony Bank, and that PayPal has no control over their decisions. This response is unacceptable. PayPal offers PayPal Credit through its affiliation with XXXX and Synchrony Bank, and any technical issues arising from this partnership should not penalize the customer. 

I demand that this matter be investigated thoroughly and that my PayPal Credit account be reinstated immediately. The issue was beyond my control and resulted from a technical error within PayPal 's system or its partners. I expect prompt action to rectify this unjust situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute to transunion. 
The following account had failed to verified accurately and the credit bureau failed to provide proof of their nvestigation, but is currently being reported as verified. 
Creditor : XXXX XXXX XXXX  XXXX XXXX  I have also disputed with the other XXXX bureaus and successfully had them removed due to lack of verifcation and accuracy.
Product: Vehicle loan or lease

I am filing a complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. XXXX XXXX XXXXHyundai Capitol America failed to provide me with a copy of the right to redeem notice or a written notice of what the asset sold for at auction.Nor the date, time and place of the sale. This is in violation of the Ohio revised codes XXXX and XXXX would like to request a 1099-C form and a deficiency balance statement. I also request that this information be removed from the credit file you maintain under my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2017, I used Equifax 's tool at https : //www.equifaxsecurity2017.com/potential-impact/ to determine if my account was affected by the recent security breach and was informed that my personal information may have been compromised. As of now no fraudulent activity has taken place, but that does not mean my information has not been taken by an outside party. This was made possible by Equifax mishandling user 's data and thus putting millions of people at risk.
Product: Money transfer, virtual currency, or money service

Please see attached letter from Citibank XX/XX/XXXX and my reply on XX/XX/XXXX. They only refunded part of money without offering explanation other than saying " rules ..... ''
Product: Debt collection

CB/VICSCRT IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY IN A COLLECTION STATUS AND STILL TRYING TO COLLECT. I even submitted a cease and desist. I Attach the letter too and they could not provide the promissory note of this alleged debt.
Product: Checking or savings account

On XX/XX/year>, unauthorized transactions totaling {$41000.00} and {$3600.00} were posted to my PenFed Credit Union account. I reported these transactions immediately. PenFed conducted an investigation and, in letters dated XX/XX/year>, and XX/XX/year>, confirmed that I was not liable for these transactions. They stated that credits for the unauthorized transactions were issued on XX/XX/year>, and that the fraud case was closed. 

Despite these confirmations, I have been unable to access my account online, and the credited funds remain inaccessible. Over the past few months, I have made numerous attempts to resolve this issue by contacting PenFeds customer service. Unfortunately, my experiences have been frustrating and unproductive : Representatives often transferred me blindly to other departments without providing any solutions. 
I received conflicting information from different representatives, including XXXX, who were unable to provide clear answers or resolve my issues. 
Despite my repeated requests, I still do not have access to my account or the credited funds. 

On XX/XX/year>, I spoke with PenFed again, and there has been no resolution. Over this period, I have interacted with nine different agents from various departments, including the security team, yet no one has taken responsibility for resolving my issue. Everyone at the bank continues to point fingers, and no one provides a clear solution. 

I am requesting the office of the president at PenFed to intervene, provide a clear explanation of what is happening, and ensure that I receive the funds I am due immediately. 

This ongoing issue has caused significant inconvenience and stress. I am seeking immediate restoration of full access to my online account and assurance that the funds credited on XX/XX/year>, are accessible without further delay. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I have a file a ftc report again because i found numerous fraudulant items on my report and nobody has tried to help me get these removed. This is the second time i requested this.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They call me my parents home my mother cell phone my work. I'm not sure how they got the number and it comes up spam. I use XXXX XXXX and pay my debts through the original lender, because I never received the letters of completion or the return of credit they promise. I haven't seen this company and it comes up as spam. XXXX XXXX XXXX. They called my work and said they were a credit relief company? I have answered and told them to take me off their call list multiple times. They are jeopardizing my job at this point.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance Owed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX
Product: Checking or savings account

Deposited a regular paycheck, that has NEVER bounced, on XX/XX/XXXX and Wells Fargo put a hold on funds until XX/XX/2021. Since then, they have rejected regular payments twice and charged a {$35.00} fee each time. I have called in twice to request funds be released and they say that criteria has not been met. They did say I would be reimbursed for all the {$35.00} fees charged from XX/XX/XXXX - XXXX ... in the meantime, my creditors have dinged my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, 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: Debt or credit management

I dont know the date when l received a call stating l owe on a XXXX product l havent had no account with this company before
Product: Credit reporting or other personal consumer reports

The list of documents below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681 Account : XXXX  XXXX, account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( 6 ) And according to 15 USC 1681 5 they sure supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) generally, 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 ( 11 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Am according to 15 USC 1681 s-2 they sure supposed to not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit card or prepaid card

Citibank was offering a Citi Flex-Pay Option on eligible purchases. This included a fixed 5.99 % APR for 24 months on eligible purchases. I recently made a large purchase and wanted to take advantage of this low APR. The purchase was made on XX/XX/2020. On XX/XX/XXXX, I contacted Citibank and was told I needed to wait for my next billing cycle to close to apply this offer. On XXXX, I contacted Citibank again to apply the flex pay option to my purchase. I was told by the customer service associate that this purchase did not qualify. He was unable to tell me why it did not qualify and a supervisor would reach out to me by XX/XX/XXXX to discuss the matter further. Based on the criteria outlined in this offer, the purchase I made qualified for this offer. No one from Citibank reached back out to me. I called Citibank again in the evening of XX/XX/XXXX. Again, I was told this purchase does not qualify and was not given a reason why. I was then transferred to a supervisor. After explaining the situation, the customer service supervisor told me that there is no specific reason as to why this purchase does not qualify. After being put a brief hold, the supervisor told me that Citibank has the right refuse this offer on any purchase it deems not eligible and this purchase fell in that category. After further discussion with supervisor, he confirmed that Citibank will not let me use this promotional flex-pay option on this purchase
Product: Debt collection

i received a notification in XXXX of XXXX that the power company in upstate NewYork ( XXXX XXXX ) had an outstanding charge in my name for {$110.00} from XX/XX/XXXX Upon investigation through National Recovery Agency in XXXX, PA it was determined that this resulted from identity theft. The charge occurred in XXXX and i moved out of New York State in XXXX. I subsequently filed a police report with the XXXX County Police and was issued an incident number on XX/XX/XXXX. Thereafter I submitted the incident number to National Recovery who advised me they would follow up with XXXX XXXX. After waiting more than a reasonable time I began making weekly calls to the representative with whom I had been speaking. Each and every time the recording stated that the person at that extension was unavailable and that I should leave my name and number and my call would be returned. To date I have received no information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to chase about this and they have asked me to contact credit reporting agencies / bureaus directly. The information reported on my credit report for missed payments in the year 2020 for chase freedom card ending in XXXX was inaccurately reported. I enrolled into chase 's covid-19 protection plan with the understanding that the account will not be reported. However, upon communication with them, it seems like the account was reported for late payments. 

The state of california has issued legislation on consumer credit protection. This information can be found on their official website : https : //covid19.ca.gov/get-financial-help/. I have verified with the state that my credit score would be protected and remain unchanged. Their website clearly states that credit scores would not be impacted due to the impact of Covid-19. I request you restore my credit score back to XXXX or XXXX 2020, before the pand emic was declared.
Product: Debt collection

I believe the company to be a scam, and trying to get money out of me. Contacted me on a " XXXX year old debt '' that I 've never heard of until now.
Product: Debt collection

XXXX XXXX XXXX XXXX is on my Equifax profille. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX} I was recently sent a settlement offer of XXXX for a data breach which Ive been saying all along that this was never my account. By law them offering me a settlement is an admission to wrong doing on the companys end. This is my 3rd and final time of asking for this fraudulent information to be removed my from name or I will sue the company and show my documents as well as the email settlement offer if this account isnt removed immediately. Ive never legally entered into business with this company at any point. Obviously within their data breach my information was compromised. Then they offere a measly XXXX. As of XXXX} can solve the headache of my score causing me to not be able to get housing on an issue that this company has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for home loan on hard run credit report lander found and send us copy of report sawing capitol one bank card total 3 under my and my wife name. We never ever had this card or related account with capital one in entire life time. 
We called capitol one and they verified on phone we dont have card with them and they can not do anything with it. 
They said call credit beuro they can remove it. 
Please help us our loan is standing for this reason
Product: Credit reporting or other personal consumer reports

I recently overlooked my credit report and noticed several remarks are being reported for late payments. I strongly believe that this information is improperly being reported by XXXX, Equifax, XXXX and is violating my rights as a consumer. Under the consumer law it states 15 usc 1681 restrictions on information use credit reports can only be accessed for permissible purposes. I did not give any permission or was not informed by the credit company. 
The dates that XXXX XXXXXXXX XXXX  considers late payments are XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I would ask that this be fully investigated and any documents to prove this verified be sent to me.
Product: Credit reporting

On XXXX/XXXX/XXXX at approximately XXXX hours, I checked my credit report through my credit card XXXX XXXX. I noticed my credit score dropped from XXXX points to XXXX points. I obtained a credit report check through Experian and noticed a false address on my credit report such as XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I have filed numerous complaints against Experian for the past several months ago and advised Experian that I do NOT lived in XXXX California. I have been a victim of Identity Theft since XXXX XXXX, XXXX. Experian was to put my credit report on " Security Freeze '' and place a " Fraud Alert '' in order to prevent criminals from opening any more credit cards using my name without my authorization. Experian continued to ruin my life again by dropping my credit score from XXXX points down to XXXX points ( XXXX ). I would like to know why Experian continued to ruin my life by allowing criminals to open more credit cards and refused to bring my score up to XXXX points? I thought everything was going well for my life since XXXX XXXX until Experian starting to ruin my life again. Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have called this company numerous times to get this issue resolved but this company is refusing to assist me during this fraud case of someone purchasing a car in my name. I have asked the company countless times to please provide me with a the exact contract executed so that I can review it and confirm that I was not the purchaser but they never complied. I am now asking for this agency to assist me because this untimely error has caused me a ton of grief and struggles financially please help me with this issue.
Product: Mortgage

I have tried to order a copy of my Promissory Note several times ( XX/XX/XXXX and XX/XX/XXXX ) via fax on behalf of my clients. Prior to the faxed requests, I asked them to verbally in XX/XX/XXXX to provide  a copy. I am working with XXXX XXXX XXXX in XXXX, NC to get assistance with the Hardest Hit Program Fund. They have not responded to the requests and it has been over 30 days since my initial request. 

I would like for them to cancel the Forced Place Coverage Homeowners Insurance and replace it with my policy that they with XXXX XXXX XXXX XXXX.
Product: Debt collection

I received a letter today stating I owe {$3300.00} from a company called XXXX XXXX XXXX XXXX in XXXX, South Carolina on XX/XX/XXXX. Its impossible i never went to XXXX, Sc in XX/XX/XXXX, the last time I was in south Carolina was back in XXXX and never made any outstanding bills from XXXX XXXX XXXX XXXX.
Product: Mortgage

My central complaint is that the company which services my mortgage ( PNC ) received my full monthly payment, withdraws the funds from my checking account, but then waits for multiple business days to apply the funds to my mortgage account, resulting in a late payment, for which a late fee is charged. 

As long as I've owned my home ( XX/XX/XXXX ) I have always followed the same process for paying my mortgage : I use the online bill pay service provided by my credit union to schedule payment to post 1-2 business days before the date upon which my mortgage statement indicates that a late fee would apply. In these 6+ years and at least 4 different mortgage companies every one of them has properly applied my payment until, to my great dismay, PNC bought my mortgage and began delaying application of my payments. 

In the past when PNC has held my payment and delayed application of the funds to my account, leading to a late charge, I have called and they have apologized and waived the late charge. In XX/XX/XXXX PNC proactively waived the late fee before I even called to complain, however in XX/XX/XXXX when I called about the late fee I was told that they have already waived the fee as many times as they were able to so it would have to be escalated. I advised PNC that the late fee was illegitimate and " waiving '' it implies that the fee was correct, but being waived in the interest of customer service. 

Here is a chronology of events over the past few months ( confirmed by logging into my personal checking account and the posted transaction record on my mortgage account ) : XX/XX/XXXX : PNC applied {$1800.00} payment to my account ( 4 business days/7 calendar days after the funds were withdrawn from my account ) XX/XX/XXXX : PNC assessed {$65.00} Late Charge XX/XX/XXXX : Payment of {$1800.00} to PNC was debited from my checking account XX/XX/XXXX : Payment of {$1800.00} to PNC was sent from my checking account XX/XX/XXXX : PNC applied {$1800.00} payment to my account XX/XX/XXXX : PNC waived {$65.00} Late Charge XX/XX/XXXX : PNC assessed {$65.00} Late Charge XX/XX/XXXX : Payment of {$1800.00} to PNC was debited from my checking account XX/XX/XXXX : Payment of {$1800.00} to PNC was XXXX from my checking account XX/XX/XXXX : PNC applied {$1800.00} payment to my account XX/XX/XXXX : PNC waived {$65.00} Late Charge XX/XX/XXXX : PNC assessed {$65.00} Late Charge XX/XX/XXXX : Payment of {$1800.00} to PNC was debited from my checking account XX/XX/XXXX : Payment of {$1800.00} to PNC was sent from my checking account XX/XX/XXXX : PNC applied {$1800.00} payment to my account XX/XX/XXXX : Payment of {$1800.00} to PNC was debited from my checking account 03/11/24 : Payment of {$1800.00} to PNC was XXXX from my checking account
Product: Debt collection

I use to live at XXXX XXXX in XXXX. When I left XXXX I paid my rent in full even for the time I was n't there. I paid with a cashiers check. I later found the company was on my credit report for XXXX . I have contacted them several times no one can tell me why. The apartment was left in very good condition. All furniture and items were removed. Now its show on my credit report. I have disputed it several times .. I 'm asking that this be removed from my credit immediately. Its being reported under Capstone credit collection. XXXX