23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX keeps sending a balance to a collection agency, but insurance already paid it. This has gone on since XX/XX/XXXX. A year later, XX/XX/XXXX, I filed a grievance with our XXXX XXXX XXXX XXXX complaining about this on-going issue ( 2 yrs now ), in which the insurance company wrote back on XX/XX/XXXX stating the collection agency would be notified and all would be handled. However, XX/XX/XXXX we received yet another collection bill for {$520.00}. I called XXXX XXXX XXXX and spoke with XXXX, a representative. She spoke with the collection agency that this matter was already resolved. They instructed her to call XXXX because that 's who 's submitting the information for collection. XXXX spoke with XXXX at XXXX while I was on the line. After " investigating '' everything for almost an hour, XXXX had all the necessary paperwork showing the insurance took care of it so this issue should 've been resolved and that XXXX, my husband XXXX XXXX, should never receive a bill because of the type of coverage we have. XXXX assured us that this was handled. However, in XXXX XXXX we received yet another collection bill for {$250.00} with XXXX of the last transactions from the previous collections statement. On XX/XX/XXXX I spoke with XXXX XXXX XXXX about this issue AGAIN. She investigated, contacted the collections department and XXXX and said that all should be good. I just called the collections agency today, XXXX/XXXX/XXXX, to verify the status and found out they still show a balance {$250.00}. I then called XXXX to find out what was going on in which their system showed we have a XXXX balance. XXXX said they would forward the information to the collection agency and for me to call back tomorrow to verify if all is cleared, but refused to send me anything in writing that this matter is resolved. Meanwhile, my husband ca n't order any needed supplies ( we can order, but they wo n't ship it ) because in the " system '' we 're in collections. My husband has had to XXXX when they 're supposed to be updated regularly. XX/XX/XXXX XXXX with XXXX forced an order of supplies, but now our authorization has expired because of all this aggravating miscommunication between XXXX and their collection agency. I think this is unacceptable and the aggravation my husband and I have had to endure since XX/XX/XXXX because XXXX ca n't get their act together has led to this formal complaint. My husband is a XXXX and should n't have to XXXX, etc. I am hoping an investigation can be conducted in this completely outrageous situation so XXXX will be held accountable for the additional stress this company has put us through for 2 years!!!
Product: Debt collection

I do not dispute the debt. I have told all creditors multiple times that I have been out of work since late XXXX. I have exhausted all potential job possibilities and I am awaiting Social Security benefits to begin XX/XX/XXXX. Continued daily calls serve no purpose and I formally requested a cease and desist on or around XXXX of XXXX. The month of XXXX the calls started coming daily again. Monday, XX/XX/XXXX, I again formally requested a cease and desist. Once again the calls started this morning, XX/XX/XXXX. I call the creditor, Pentagon Federal Credit Union to remedy the situation. After voicing my concern to the representative, I was placed on hold. After approximately five minuets the call disconnected. 

I am exercising protection provided by the FDCPA.
Product: Mortgage

I wanted to pay extra principal towards my mortgage & I used to do it online periodically whenever I had additional money. 
Nationstar changed websites and I was told I can not do it online without also processing early my customary monthly mortgage payment with additional principal. However, they can do it over the phone and will not charge me for it. I agreed and asked for money to go towards principal. 
They took as I asked additional $ XXXX but did not apply it to principal as I agreed but distributed between escrow interest and principal. I called and they apologized and reprocessed it all to principal ( but deducted {$35.00} towards inspection without my consent ). I was told that in the future I have to modify my next auto payment online to add additional principal. 
I did modify my XX/XX/XXXX auto pay to add additional principal to my monthly mortgage. On XX/XX/XXXX, they took mortgage payment + additional principal. 
But then on the same day, they processed another mortgage as XX/XX/XXXX which is a month in advance. I called them again just to spend over 30 minutes on the phone without resolution as it got disconnected.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested Sezzle to give me verification of this account to prove it is mine. I also asked for the same verification from the XXXX and XXXX. I have yet to receive it at all. Also the account has been charged off for awhile and according to the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) its considered income by the irs and income can not be reported on your consumer report! This needs to deleted immediately! You have already deleted it and there is no way in 3 days letter you proved that it was verified and put it back on. THIS INFORMATION IS INACCURATE NOT MINE AND A FRAUDULENT ACCOUNT! It needs to be removed at once. Im going to have to sue after this because this is ridiculous. They are not upholding the consumer law my rights Also all these inquiries ARE NOT MINE!!! Remove them at once! How many times have I requested proof and how many times must I say they are not mine a fraudulent. Remove them at once!!!
Product: Credit card

Synchrony XXXX Fleet Rewards Credit Company states their policy is to credit accounts accordingly for any payment made by midnight of the due date. The latest of THREE occurrences, all with similar timing, is : My credit union shows the electronic payment I scheduled for the due date of XX/XX/2024 as being sent to the credit card company on XX/XX/2024. The credit card company sent a bill for XXXX with late fees and interest because they say that payment from XXXX was made/processed on XX/XX/2024, a day AFTER the due date and 2 days after my bank account shows the payment as being made. I have called the credit union and they confirm that the dates shown on the account are the exact date e-payments are sent. Other payees paid by my credit union are showing e-payments made on the date that the credit union shows the e-payments as being processed. So I am VERY confident that this issue is with the Synchrony company not processing payments on time vs my credit union being late. Synchrony has removed the late fees and interest payments for these 3 incidents after calls and complaints were made. Their recommendation is to make payments earlier to avoid late fess and interest charges. I believe these incidents show fraud on the part of the Synchrony company with these junk fee charges. They are not following their written policy and are systematically posting electronic payments 24-48 hours later than when payment is sent, then charging late fees and interest to users.
Product: Credit card or prepaid card

On XX/XX/XXXX I had unauthorized use on my debit card on the same day I called the company to report the amounts which were as follows, {$240.00}, {$530.00}, {$65.00}, {$84.00} and {$250.00} On XXXX XXXX I was sent an e mail from the company that they were providing a provision credit for the amount being disputed of {$74.00} which I do not understand given the amounts that I have indicated that are under dispute. 
In the email I was advised that it would take from 45 to 90 days to complete their investigation that's after my original reporting the incident it has been well past that point now and I was wondering could this office help me in this regard.
Product: Credit reporting or other personal consumer reports

I, XXXXXXXX XXXX  WAS SAVING VERIFICATION THAT WERE GOING TO SERVES AS EVIDENCES AGAINST PUBLISHER CLEARANCE HOUSE AND XXXX XXXX XXXX XXXX XXXX WINNING WITH FEDERAL AGENCY, AND IN THE COURT OF LAWS THAT PROOF THAT MY  CONSTITUTIONAL  EQUAL HUMANS RIGHTS AS AN XXXX XXXX XXXX XXXX  AND A XXXX XXXX  COMPLETELY XXXX  AND OTHERS XXXX, WERE VIOLATED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOOGLE  BLOCKED MY OFFICIAL EMAIL ACCOUNT:  XXXXl.com AND BLOCKED AND TOOK FROM MY EMAIL FILES ALL THAT EVIDENCES WITHOUT ANY NOTIFICATIONS AND ILLEGALLY.  I HAVE CONTACTED GOOGLE MORES THAN 40 TIMES CONCERNING OF THEIRS ILLEGALLY TAKEN MY PERSONAL INFORMATION, MY FAMILY INFORMATION AND THE EVIDENCES AGAINST PUBLISHER CLEARANCE HOUSE AND MY XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ETHNIC DISCRIMINATION AND MORES.  PLEASE, I NEEDS YOUR HELP IN RESOLVING THIS HUMANS RIGHTS VIOLATIONS AND THEY XXXX  AND XXXX  ABUSES THEY HAVE CAUSE ME.
THANK YOU, SO MUCH FOR YOUR SUPPORT AND HELP.

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After sending multiple written requests, the fraudulent items listed below continue showing on my credit report, XXXX violating federal law. The XXXX Credit Bureaus have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681i, within the legally stipulated timeframe, continuing to report unconfirmed information. Given all my diligent attempts to rectify the situation directly with the creditor, this can be seen as a deliberate act of negligence and non-compliance with federal regulations. I kindly request the complete deletion of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

on XXXX I received an email alerting me I have a new online document to review regarding my dispute with XXXX for {$60.00}. in the document it is asking for additional information which is impossible to provide because according to the return/refund policy of XXXX you can not return an item ( XXXX ) without first contacting them and getting instructions on how and where to send the product back and the product has to be in good condition. I contacted XXXX 4 different times before I contacted Capital One to make the dispute. XXXX has not replied back to my emails advising how and where to send the three bottles back. I tried explaining this over and over again to Capital one reps that i can not provide proof of sending the bottles back because XXXX hasn't responded back to me in order to do so.. case number last four digits XXXX with capital one. i also sent proof from the three emails sent to XXXX to capital one showing that i contacted XXXX. i even asked capital one to refer to XXXX 's return/refund policy from the document that XXXX sent and to send that to master card and i keep getting told the same thing over and over again, we can't help you unless you provide us proof that you tried to send the bottles back, now i have been rebilled for something that i did not open and use and dont want and master card is not helping me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify XXXX and TransUnion credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I scheduled a payment of {$1700.00} to be paid to XXXX XXXX XXXX aka Goldman Sachs ) today XX/XX/23. This payment was authorized by me and is acceptable. 

However, XXXX XXXX XXXX aka Goldman Sachs XXXX has taken a second UNAUTHORIZED credit card payment from me two hours after receiving the authorized payment of {$1700.00}, in the amount of {$750.00}. I did NOT make nor authorize this second payment of {$750.00}. 

I have contacted XXXX XXXX several times today to have the unauthorized payment of {$750.00} returned to me and they have refused. I have also requested an investigation as to WHO authorized this second payment as it was NOT me and they refuse to provide this information to me.
Product: Credit reporting, credit repair services, 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.

1. Account Name : XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$760.00} / Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$580.00} / Date Opened : XX/XX/XXXX 3. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$1100.00} / Date Opened : XX/XX/XXXX 4. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Revolving / Balance : {$0.00} / Date Opened : XX/XX/XXXX... has violated my rights. 

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

XXXX XXXX XXXX  has pulled my credit over four times in a series of days. I have not agreed nor allowed for these inquiries to my account.
Product: Credit reporting or other personal consumer reports

Well FARGO -- LATE PAYMENT REPORTED dating back further than XXXX years XXXX XXXX -- -Late payments reported dating back further than XXXX years XXXX XXXX -- Late payments reported dating back further than XXXX years reported to XXXX XXXX and XXXX to correct -- deletion of late payment history
Product: Mortgage

My mortgage was originally serviced by XXXX as a construction mortgage. Since then my mortgage was purchased numerous times and the current mortgage holder is Wells Fargo. I believe at this point that Wells Fargo is fraudulently foreclosing on my property. They do not provide me written documentation but claim that they will be removing me from my home on XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report. 

To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with confirmation of these medical collections being removed/deleted from my credit report.

The medical collections are the following : XXXX. XXXX XXXX with account number XXXX for the original creditor " XXXXXXXX XXXX XXXX XXXXXXXX '' for the original amount of {$260.00}. This medical collection was removed/deleted in XX/XX/XXXX. I have attached supporting evidence to show this medical collection has been deleted. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX XXXX  XXXX '' for the original amount of {$260.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 
XXXX. XXXX XXXX XXXXXXXX with Account Number XXXX for the original creditor " XXXX XXXXXXXX XXXX '' for the original amount of {$220.00}. This medical collection was removed/deleted in XX/XX/XXXX. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX XXXXXXXX with account number XXXX for the original creditor " XXXX XXXXXXXX XXXX '' for the original amount of {$220.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 

The inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

OnXX/XX/XXXX an order was placed on XXXX XXXX XXXX website with Klarna selected as the payment option. The total amount was {$2500.00}. The first payment was scheduled for XX/XX/XXXX. The item was returned to XXXX XXXX XXXX within the 30 day return period. The return was even reported to Klarna on XX/XX/XXXX and Klarna paused payments because I noted a return was in progress. Klarnas website state this allows the payment to be paused while the store is processing a return. On XX/XX/XXXX, XXXX completed the return and refunded Klarna {$2500.00} ( the full amount minus a XXXX delivery feel ). Klarna has adjusted my account however, did not cancel the payment plan and is charging me {$100.00} in interest. I have spoken with two representatives at Klarna on XX/XX/XXXX and XX/XX/XXXX who assured me that the interest just needs to be adjusted. On XX/XX/XXXX, I am being told the interest will not be adjusted. Why am I charged interest on an item that was returned before the payment due date and within the 30 day period. Klarna was notified of the return and even paused the payments. It is unduly just to charge {$100.00} in interest for an order that was returned to the store during the return period. I am also attaching the loan agreement that has total interest for 24 months of {$990.00}, even if the interest was prorated for one month, that would be {$42.00}, not {$100.00}. It is an unfair business practice to charge this amount. Please assist. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information in my credit report with your agency. Pursuant to Section 604 of the 15 U.S. Code 1681B, I am entitled to a fair and accurate credit report. After reviewing my credit reports from all three credit bureaus, I have identified several errors which are detailed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Ive had an account with Wells Fargo with my savings and things have not been going right with receiving payments as to being given fees for something I dont even know what theyre doing on my XXXX XXXX either.