23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Paypal user agreement and policy is to fine up to XXXX for consumers who may share misinformation. This is a credible problem as they do not dictate what a consumer can share otherwise faces penalties. Who would be correct in determining misinformation when misinformation is only a persons belief. Lastly, this companies policies goes against XXXX.
Product: Debt collection

Once I sent the company TSI ( Transworld Systems Inc. ) the certified letter to show proof with the 1099 C form that the information on my credit is true they did not responded. They have not done anything since XX/XX/year>. This information needs to be removed from my credit immediately.
Product: Credit card or prepaid card

I was paying down a balance on my Synchrony Card and had {$660.00} left to pay off from items purchased at HH Gregg. My monthly minimum payment was {$25.00}. Each month, I paid {$60.00} to pay off the balance more quickly, not realizing that the additional funds were not being put towards the principal. My XXXX statement indicated that over {$800.00} had been added to my account as deferred interest, although I had been paying over the minimum amount due. Nowhere on the statement does it state how much per month needs to be paid off to avoid deferred interest. My balance is now over {$1500.00}. Upon seeing our statement, I immediately called the company to pay off the actual amount owed ( {$660.00} ) and have the deferred interest removed. They declined and would not offer any sort of compromise. This is predatory lending and we are now being charged more than double for items purchased.
Product: Debt collection

On XX/XX/2019 at XXXX, I Received A Call Identifying as XXXX County Legal Department/Office stating that there was legal action for a debt being owed and that a Suit was being filed against me. I explained that I was unaware of the Suit, nor Had I received documents in the mail. I was provided a phone number ( XXXX ) XXXX along with the Case number. At XXXX, I placed a call to the number provided to me, and spoke with a woman name, XXXX XXXX , who represented a company called " XXXX. '' She would not provide me with an address of this Company due to " safety of their clients. '' I stated the reason for my call, and provided the Case Number that was given to me. She stated that the Case was Locked, and needed to place me on a brief hold to get the case manager provided for my case to be unlocked, so that she may give me the details of the suit. After returning to the phone call, she proceed to explain to me that actions was being taken on by a Pay Day Loan Company accusing me of Fraud as well as providing me with information of cost if the suit continued with or outside of court. I stated I had not received any information in the mail in regards to this suit and asked that why Had I not been contacted. She replied with saying the company has no current address on file for me to be reached, although the Pay Day Loan was done within the current address. I was threaten to be taken to court if I did not agree with the payment arrangements to handle the case outside of court. Before I realized that this was indeed illegally, I recommended a different payment plan which she refused therefore leading me to end the call. I made a call to the first phone number identified as XXXX County Legal Department, if it was legit and no one answered the line. There was no recording verifying that this number was XXXX County Legal Department, nor was there a voicemail.
Product: Checking or savings account

Pursuant to the complaints already filed in detail against both XXXX and Prosperity Bank ... I want this to be noted ... That due to added stress that made my situation worse ... I have been unable to make my initial appointment with the XXXX XXXX  ... My medical doctor referred me to a XXXX due to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX which is out of XXXX ... I had to cancel that appointment twice due to the escalations that caused me to become very upset and to need to rest more and to cancel important doctors appointments ... I want this to be noted that stress can kill and that I have been under duress for a very long time now ... That Prosperity Bank acted in an egregious reprehensible manner in my regard and that due to mistakes made by XXXX I was forced to walk with my XXXX XXXX to local merchants since I do not drive I  have to walk or take the bus or XXXX or XXXX ... So on the weekend of XX/XX/XXXX and XX/XX/XXXX I had to walk though I am supposed to XXXX XXXX XXXX XXXX until I am seen by the XXXX XXXX ... The inconvenience and stress I was placed under just to get my bank card to work on the weekend of XX/XX/2020 was a nightmare ... This has to be addressed so that this does not ever happen again to other unwary bank account holders and debit card users ... I did send an email to Both Prosperity Bank and to XXXX that I beg their forgiveness for things I said under duress and that I also forgive those who were horrible to me including the vicious staff at the XXXX XXXX XXXX Branch from my ordeal on the morning of XX/XX/2020 ... No one ever bothered to ask me if I was ok or if my son was ok ... No care or concern for my well being was shown me ... Though MrXXXX XXXX XXXX saw fit to ask me if I was ok I also felt under threat by him because it seemed to me that the purpose of his phone call was to leverage and use any information I provided him against me ... That is how I feel about the phone calls I received from XXXX ... These were not authentic caring phone calls these were harassing phone calls XXXX bent on threatening me further and on using any information I provided XXXX against me ...
Product: Mortgage

My attorney has been working on my behalf for a short sale. In reading the notes on the constant delays with Roundpoint my attorney escalated the issues to a supervisor " XXXX ''. Based on the notes my attorney was never advised about HUD revisions in a timely manner only that variance was needed from HUD. As a result of ROUNDPOINT not giving this information to my attorney they asked to speak to the processor directly. The supervisor XXXX rudely declined this request. WHY??? I am the homeowner and the attorney is working on my behalf. This is unacceptable.
Product: Credit card or prepaid card

Charge with non requested loan and ask to pay interest on the loan. Will not identify who got the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company promised me payment for deletion in XX/XX/XXXX. My last conversation with them I had to do was pay {$16.00} on XX/XX/XXXX. All late fees of over {$200.00} was forgiven due to their mistake. My prior last payment was XX/XX/XXXX. I have been arguing with this company who keep lying over the phone over their promises. Please update account to NO LATE PAYMENTS, NO CHARGE OFF or else remove the whole account due to violation of FCRA by reporting false information.
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/XXXXmy roommate transferred me {$2000.00} using the Chase mobile banking app, as she had done many times before. I have a Chase bank account so the transfer should have gone through immediately, as it is supposed to. 
About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. 
We both went into a Chase and they said not to worry and just to wait a few days. 
After a few days, we contact Chase and they say we have to contact their claims department to get the money back. 
My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXXXXXX XXXX has to do something. 
For the next two months, we go back and forth between XXXX XXXX XXXX and Chase trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. 
The transfer was done using XXXX, which is a third party company that Chase and many other banks use so we also contact them after giving up on Chase and XXXX XXXX XXXX. 
Both XXXX and XXXX XXXX XXXX say this is a Chase problem since it was done using their app and since we are both Chase customers. 
Chase refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! 
They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and Chase. 
Both banks STILL wo n't cooperate even with the police! 
I even called the Chase Executive Customer Service number and submit a complaint on the XXXX of XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. 
Please help!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

We have taken over my mother in laws mortgage when he past away. We received numerus notices that she was behind on her mortgage and foreclosure was starting. However the statements would say her payment was received late but not missed. According to her bank statement payments were sent soon enough but not posted until the XX/XX/XXXX so a late fee could be put on account. since then they have done the same to us. If we pay total amount due the following month we will notice that fees are applied but not sure for what. They have charged fees ( $ 80- {$100.00} ) saying people are checking on the property to see if anyone is living there. The math on the statements and late notices do not add up correct. ( example ; mortgage payment of {$720.00} was not received if not received by XX/XX/XXXX a late fee of {$27.00} will be assessed and total due is {$920.00} ) or same but with a ( mortgage payment of {$690.00} with late fee of {$0.00} with new payment of {$750.00}. ) late fees seem to not be consistent month to month and applied whenever they want. 
XX/XX/XXXX Statement does not match tax statement sent out. When I have called to try to talk to them and read their letters or point out an error I get cussed at, put on hold for a long time then when they get back on the phone they want to transfer me then hang up. When payments are made over total amount due over payment is not applied to account and when we call and ask they tell us they can apply money where they need to. These are just a few issues we are having. I have asked where to send the paperwork to for review and was told if the have time they might look at it or I can drive to the office and sit and wait for someone. No office is around us we live in Georgia ( this has been going on for several years ) This company is rude and is stealing money from people and you can not work with them.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, TN, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I reported on Experian as incorrect information it comes back verified the same day
Product: Debt collection

I am writing to dispute a charge of {$340.00} to my account that were due to incorrect charges.
Product: Credit card

On XX/XX/XXXX I paid XXXX to a company who claimed that they will work on XXXX on my website. After I paid them, they told me that I have to pay an extra XXXX which I did pay on XX/XX/XXXX. They told me this process would take time so I waited and nothing happened the company. If you can call them a company based out of XXXX did not do anything as a matter of fact, they added XXXX generated blogs in total of XXXX to my website and claimed that this was the work. I told him that this is definitely not what XXXX AND THAT I BELIEVE I DESERVE A REFUND. THEY TOLD ME THAT THEY WILL NOT GIVE A REFUND BECAUSE THEY DID THE WORK, BUT THE WORK WAS ONLY XXXX BLOGS MADE FROM XXXX WHICH DID NOTHING TO HELP MY WEBSITE BUT ONLY COST ME OVER {$2600.00}. I contacted PayPal credit which is managed by a company called synchrony about this and I filed a dispute because I did not get the service that I paid for. PayPal credit i.e. synchrony only filed a dispute, which was a terrible process with them. They dont have a good process to file a dispute but the company or the merchant we can call them said that they did the work in full work meaning the XXXX blogs that they did. PayPal credit i.e. synchrony went with this and that I do not deserve a refund because they did the work. I have provided evidence to PayPal, but they did not care. They made the process difficult by not allowing us to contact them directly, and The only send us to a third-party customer support which does not help at all. The people can not even do anything. The only thing they can do is file a dispute I believe, PayPal credit i.e. synchrony should be held accountable and should be sued for them, allowing scammers to be on the website processing payments and not honoring disputes despite the evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. XXXX credit card is not report none on credit report Equifax, XXXX XXXX and XXXX credit reports. I have sent faxes to all 3 credit bureau to dispute this issue.
Product: Checking or savings account

On XXXX XXXX, 2017 I attempted to make a purchase at XXXX 's in XXXX, XXXX and pay for it by check in the amount of {$630.00}. The check was declined by Certegy, the XXXX 's vendor, and I was given a phone number to call for information regarding the decision. After numerous attempts I finally spoke with a customer representative and they could give me no specific information regarding the reason ( s ) why this happened. I received a letter from them stating that the decision was based on risk profiles established by Certegy. They stated that there was no derogatory information on file regarding me-as confirmed in their Consumer file report which is attached. To decline a transaction without reason is derogatory. To provide false derogatory information about an individual is unacceptable. Furthermore, to ignore the request to provide information that was used to that individual in order to correct a mistake is unacceptable. To share this inaccurate information/decline with another company that provides similar services which may impact future transactions is unacceptable. THis information was shared to Chex Systems Inc.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the XXXX XXXX XXXXI want these items Deleted from my Credit Reports effective immediatelly.I am attaching Proof that XXXX has admitted that i was in fact a victim of this Data Breach and XXXX has done nothing.Please help me Delete these illegall accounts from my credit report.And if they dont get Deleted it i will proceed with a Law Sue immediately.Im attaching all accounts to be Deleted Below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also i want all Hard Inquiries Deleted from XXXX, XXXX, Transunion from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX immidiately.Also i want only in all 3 Credit Reports this information Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im not retired please removed that from all reports.I work full time. 
THATS THE ONLY INFORMATION I WANT ON MY REPORTS DELETE ALL OTHER INFORMATION IMMIDIATELY.
Product: Debt collection

We received a letter in the mail regarding a debt with HSBC Bank from XXXX XXXX XXXX XXXX. That debt was paid last year, however since we did n't realize about it and we " trusted '' the letter, we accesed the online payment option which was only able to be paid with debit card or check. " The debt '' was paid with debit card just to avoid any issues, however we realized something was wrong. We called this company, they couldnt provide ANY information about it, their verification procedure was none, they said their system was down and will call back whenever the system gets back. There is only one guy answering the phone ( from a collections company, pretty strange ). Several calls after they got me to a " supervisor '' that could n't tell us ANYTHING about the debt. They did not want to return the payment and said that we should call the card to dispute the charge, but since it is debit, the money is already gone. 
We are furious. We wish that someone goes after them and uncovers the truth. There are many people reviewing the company fake online as a scam. Looks like that company also violated many collection laws.
Product: Checking or savings account

My capital one bank, had an issue, refused to inform us with details until a day later. I have direct deposit, and was supposed to get paid from my job to pay off bills. I have fallen behind and now have interest fees which are high, because capital did not inform us on time or not tell us what was fully going on. I would like to get paid for the interest fees from my water and phone bill, which are behind because of this reason.
Product: Debt collection

Wakefield & Associates sent mail to my house asking for money this is a result of identity theft and mail Frauds. Elements of Mail Fraud 18 U.S. Code 1341 - Frauds and swindles intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 


I XXXX XXXX had NO transactions completed between me and Wakefield & Associates
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all 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 XXXXXX/XX/XXXX Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted