23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received XXXX XXXX response. However the company misrepresents multiple facts 1. The claim decision was closed as the transactions were verified as authorized electronic payments. Communication regarding the claim findings was sent via mail on XX/XX/2022. 

Can you please specify which address you've sent you? I've called XXXX on XX/XX/XXXX to ask where I can send the police report. At that point, I was not informed a decision letter has been sent. 

2. I've requested a copy of the investigation results. However, I still haven't received anything as of today. 

3. I've asked XXXX to explain the details and the reasons for the decision. No detailed explanations were given as of today. Can you please provide your compelling evidence and provide detailed explanation of the decision? 

4. An formal arbitration has been filed with XXXX based on the user agreement. However I truly believe XXXX failed in its reasonable investigation. This issue is noting related to XXXX. The funds was withdraw with XXXX directly and XXXX is not the only bank linked to XXXX.
Product: Credit card

I am corresponding to you pertaining to an issue regarding my Kohl 's Capital One Card regarding a XXXX 2015, 30 day late payment that was reported to my credit report. 

In early XXXX, I had taken off to visit family out of state. Before embarking on my trip, I had setup auto payments through my XXXX XXXX XXXX XXXX checking account to pay off the Kohl 's account balance for the upcoming payment. 

However XXXX XXXX XXXX XXXX failed to execute the payments to Kohl 's, despite the online confirmation I received from them. I would not find out about the delinquencies until my return home in XXXX, by which time the account was over 30 days late. 

Kohl 's customer service department requested that I sent them documentation from XXXX XXXX XXXX XXXX that proved the errors, as well as statements that show my bank account had more than sufficient funds to cover the balance when I had setup the payment. I went ahead and sent them both these pieces of information. However, inspite of this Kohl 's retorted weeks later claiming this issue would not be resolved since the late was not their fault.
Product: Credit reporting or other personal consumer reports

I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.
Product: Money transfer, virtual currency, or money service

I have created a new account with XXXX. However, I was not able to link neither my bank account, nor my debit card to my account. Every time I receive a message saying that the details I have entered are incorrect. While I have double checked multiple times that the details I have enetred match exactly the details I have on file with the bank. When contacting customer service, it is absolutely impossible to contact a real person and get an answer about my issue. They suggest to contact the support team through chat. Every time I tried to do that I get the following response : " I'm sorry, but no Customer Support Agents are available at the moment. Please try again later or browse the PayPal Help Center for answers to frequently asked questions. ". I tried to contact PayPal customer service team via chat ( as there is no other means of contact available ) multiple times during different times of the day and always get the same reply " I'm sorry, but no Customer Support Agents are available at the moment. Please try again later or browse the PayPal Help Center for answers to frequently asked questions. ". When I am asking when can I contact so that there is a Customer Support Agent available - there is no response. Neither there is an indication of the working hours of the Customer Service Agents available on PayPal website. Whatever the issue might be, there is practically no way to contac the company. This is absolutely unacceptable. There no support. The only way to communicate with Paypal is via chat where I always get the same answer " I'm sorry, but no Customer Support Agents are available at the moment. Please try again later or browse the PayPal Help Center for answers to frequently asked questions. ". I believe that any company in any industry has to have means for customer to raise questions, concerns and get support. If the company does not provide means for customer support and feedback- it is a violation of customer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA knowingly and willfully violated Federal Regulations as they charged off my account at not even 60 days past due after I volunatrily surrended the vehicle to them. At the time of surrender, the loan was only 18 days past due. They sold the vehicle approximately a month later and then, despite what the federal regulation stated, they went ahead and charged off installment loan at about 62 days deliquency ( see XXXX  credit report screen shot to reinforce )
Product: Checking or savings account

My account was opened on or about XX/XX/2024 under a promotion to make 3 monthly deposits and receive {$100.00}. I met the promotional terms and the promotional {$100.00} is past due. I have contacted Ally but I just keep getting delays and non-answers to the issue.
Product: Credit card or prepaid card

I purchased XXXX XXXX collars from the seller and paid {$130.00} for them through Paypal. When I recd the collars, they were counterfeit. I tried to work with the seller but he wouldnt give me a refund. The seller lied and stated he was in the US and would receive the collars within 7-10 days but when I didnt receive the collars, he emailed and stated he was overseas and it would be 26-30 days. ( I DO NOT ORDER FROM OVERSEAS for this very reason ). I opened a case up with Paypal and explained the situation, even sending and showing proof the collars were fake. I was instructed to mail the items back with the tracking number. I mailed the items back, scanned the tracking number to Paypal along with pictures of the receipt and the package on XX/XX/XXXX. I had til XX/XX/XXXX to get the info to Paypal. I recd an email from Paypal on XX/XX/XXXX stating my refund was denied bc I didnt supply the tracking number and the case was closed and could not be reopened. I did supply the tracking number along with multiple pictures. I want to file a complaint for Paypal for card fraud and mishandling the case of giving a refund, refusing to look at the documentation and information sent. Please advise if I need to do anything else in order to get the refund of {$130.00} for this is the second time Paypal has done this to me ( the first time was approx {$200.00} ). Paypal did NOT investigate the case and stated an automated system closed the case and could not be opened back up. This is fraud on the seller and Paypal and also mishandling the case on Paypal part for letting an automated system handle the case instead of a person. I also scanned in the receipt for {$16.00} for I am covered under Paypal up to {$30.00} shipping refund. I have not received that refund either. I have tried to contact Paypal via telephone. I have left emails asking for a callback from a supervisor but to no avail.
Product: Credit reporting

Experian credit reporting. I disputed all the items on credit report. I got all the items disputed and investigated. They were deleted off of my credit report. But Experian placed the items back on my credit report. I was not notified of the reinsertion of the items. And the inquiries I did not authorize. I never heard of them.
Product: Mortgage

I applied for COVID forbearance in XX/XX/XXXX, and although their website says a response will be given in 3 days, it took weeks to get a response. On XX/XX/XXXX I received notification that I was approved for COVID forbearance. Because of this approved forbearance plan, no payments were made in XXXX and XXXX. However, I received a notice that I am late for payments ( which was incorrect since I was on a forbearance plan ). I emailed many times, and only ever received a response when I said I will report them to HUD XX/XX/XXXX due to receiving notices that I am past due which was incorrect. I was on an approved COVID forbearance plan that, according to their email, was valid though XXXX of XXXX. 

I sold the property XX/XX/XXXX, and they were fully paid out. I logged into my credit report online today, XX/XX/XXXX, and see that they reported me for having a delinquent account. This is unacceptable and fraudulent. This lowered by credit score by 93 points. 

No one ever answers their phone line, ever. They only answer emails when you say you will be reporting them. They have never once corrected any of their mistakes. Their mistakes ( perhaps intentional ) have caused stress and now have impacted my credit. Completely unacceptable. Having a phone line where no one answers and email responses that just say to call seems like a scam setup. This must be immediately resolved. 

If you go to their XXXX page, you can see hundreds of people complaining of similar issues.
Product: Debt collection

Good evening, I am writing to ask for assistance regarding a debt that is appearing on my credit reports reported by credit collection USA on XXXX XXXX in XXXX West Virginia. I live in texas. They are reporting a debt of XXXX for Medical services for XXXX XXXX from date of service nearly 10 years ago. I have spoken to office manager twice and emailed correspondence to not only office staff, but listed manager on website. When I spoke with staff she claimed it would be transmitted for deletion XXXX nearly 5 months ago ). My final communication with them was XX/XX/2020. No resolution. Can you please assist me?
Product: Debt collection

I received a letter from XXXX XXXX on XX/XX/XXXX stating the XXXX was trying to collect a debt of {$440.00} from me. I called Convergent within 30 days of getting the letter, they said they put in a dispute for me since I strongly believed I owed the money. I did not hear anything, nor did I receive anything in the mail. On XX/XX/XXXX I went down to the XXXX store on XXXX XXXX to see if I could get this resolved there, XXXX was helping me. He stated that he could not see anything on my account, only that I owed {$440.00} but could not see what it was for. He called XXXX XXXX and was on the phone with them for about 20-25 mins trying to help me get this resolved. XXXX stated that they could not see anything either as to what the debt was for. He gave me a phone number to call XXXX XXXX at XXXXand stated I had to deal with them. I called as soon as I left the XXXX store, the number he gave me is for Convergent. So I was confused as to why I got their number, but anyways, I was talking with XXXX XXXX on that same day, XX/XX/XXXX, he can not see what the debt is for, just the amount. He put a dispute in for me again. I asked if I needed to submit something in writing to them, he stated no. He told me to call back and 30 days to see what the status is and to check the account. It has not been 30 days but I feel this has been too long already. I would like this resolved.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Based on the laws that protect me as a consumer the account # XXXX was removed from other credit bureaus due to discrepancy and also because it was reported illegally. This is affecting my report as a consumer and I would like it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After news of the Equifax hack, I went to https : XXXX to check if I was impacted. According to the website, I am and my data may be compromised. 

I would like to file this complaint to make sure my account is monitored and that I will not be victim to identity theft. 

Thank you, XXXX
Product: Credit card

I signed up for the XXXX XXXX Platinum Card with a signup bonus of XXXX Membership Reward points after spending {$3000.00} before the first three months of card membership. I met the minimum spend and I was rewarded the XXXX points to my account. I wanted to use the points for an upcoming flight so I tried to transfer the points to an airline. I received this message while trying to transfer the points : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I thought to myself - okay, that is understandable, it should n't take more than a couple weeks to do the review and release my points. Well, it has been over 5 weeks and I still can not make a transfer or use any of the points. Meanwhile, I had to pay out of pocket for an upcoming flight that I was planning on using the points for. I have complied with all of their terms and conditions. I paid off the {$450.00} annual fee. I have spent much more than the minimum {$3000.00}. I have had a long history with XXXX XXXX and have never done anything to hurt it. I am perfectly okay with XXXX XXXX doing a review on my spending, however, they have given me absolutely no communication, either by phone or email, about this so called review. They will not give me any specific timeline as to when they will finish the review and release my points. That is not only bad business, but unethical and dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that caused me to be denied housing on XX/XX/XXXX. I contacted the agency who is listed : RENT RECOVERY SOLUTI Reported : XX/XX/XXXX {$1600.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$1600.00} Highest Balance {$1600.00} Opened XX/XX/XXXX( 7 mos ) Account status Open Type No Info Responsibility Individual Account.

Original Creditor Name THIRD PARTY XXXX Creditor Information RENT RECOVERY SOLUTI XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XX/XX/XXXXI disputed the information. Then in XX/XX/XXXX I called again to Rent Recovery and they told me to call another company, XXXX XXXX XXXX. But they're the company on my credit report and this other company has never heard of me.

I have a recording of the call.

I have disputed this with XXXX twice and they have " confirmed '' it twice. But XXXX says they are confirming my name and not social security number. So they asked them to verify mu social security number the the second time. They " confirmed '' but it's IMPOSSIBLE because I've never leased with them. Nor are they supplying the social security number they have.

I have owned my house since XX/XX/XXXXthat I'm now trying to sell. Also there isn't an inquiry for when this " account '' was opened in my credit file to have alerted me to something even going on in my name, which I don't think is the case, as when I call Rent Recovery, giving them my social and other information they don't have account and refuse to speak to me. But I can't get them off my credit report either.

I would really like to be able to stop sleeping on the floor of a friend 's place and get my own. But this is preventing me from having a place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has continually failed to report the correct information to the credit reporting agencies. They acquired my loan last XX/XX/2018. I have dutifully ( despite their errors ) paid all payments on time and in excess. They have failed to report a correct balance, the monthly payments and are now claiming on the attached Equifax report that the loan has been sold. I have not been notified of this as per RESPA. 
They also claim it was opened in XX/XX/2018, also a lie. 

So to be clear the following items are falsely reported to the credit agencies : Date Loan was opened with them. 
Current Balance Date of last payments Date of last activity Monthly payment amount Loan transfer/sale
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ( 3 ) accounts that's been charged off the accounts are as follows : XXXX  XXXX XXXX this account shows that it has been charged off for the amount of {$2100.00} it's last reporting date is XX/XX/21 I received a 1099c to filed this as earned income this item needs to be removed from my Consumer Report.

Item ( 2 ) XXXX XXXX this account is showing that it's charged off for the amount of {$5000.00} I received a 1099c to filed this as earned income this item need to be removed from my Consumer Report Item ( 3 ) XXXX XXXX this account is showing that it's been charged off for the amount of {$12000.00} this account was paid in full remove this account for inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I have XXXX financing account, which is provided by TD Bank. I had automatic payments set up using XXXX checking account, which worked perfectly for a couple of years. In XX/XX/2023, I opened a new checking account with XXXX bank and closed the XXXX account, and added the XXXX account as payment method on the TD Bank website. But the website wasn't letting me delete the XXXX account and set up XXXX as the default payment account. I have made a video proving that the website wasn't letting me do this, which I'll share. Even after a few months also the website was not letting me do it. That goes out to say how much they care about quality control of their services that they didn't notice and fix a serious issue on their website. But I made sure that the automatic payments were on and that the XXXX account was set up as one of the payment accounts. But they kept trying XXXX account for payment, which, obviously, kept getting declined, because the account was closed. 
They sent me emails, but never sent me a physical letter of the issue. I think, its the duty of the lender to make sure they send, at least, one physical letter to the customer, even if I have e-statements set up on the account, before informing the credit bureaus of late payment and ruining my credit. Its also a duty of the lender that if they claim that they provide automatic payments on the account, to make sure that their website is functioning correctly to achieve that. I have had no late payments on my credit report all my life. And I can provide my credit report to you to prove that, if needed. Because, the websites of all the other lenders work perfectly. 
I have reached out to their customer service dept, and their credit dispute dept. first. The credit dispute dept claims that they sent me a response, which, I swear to XXXX, I did not receive. Then I escalated to their second level of customer service, the contact of which was given to me by one of the supervisors at the customer service dept. I even shared the video showing how their website wasn't working properly. They sent me a very indifferent, 2 line email reply claiming that what they did was correct. I replied to them again, but got no response. Then I reached out the their third level of senior customer service. They did the investigation and sent me a resolution letter, but mentioned nothing about the faulty website and claimed that the reporting to the credit bureau of late payment will remain.

By the way, I only had around {$200.00} balance on my account, which I paid in full as soon as I found out of the credit reporting. 

Here 's the link to the video. You have to click on the link and then a little window pops up underneath the link and then you click that, which opens up the video in XXXX. If the link doesn't let you click, then you'll have to copy and paste the link in your internet browser. 

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

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

Transunion and XXXX continue to violate federal law not investigating the errors, security frauds, and identity done by XXXX XXXX XXXX XXXX as well as the inaccuracies being reported on the credit file. XXXX removed the reporting reference Report # XXXX, now transunion and XXXX  needs to remove this reporting within 3 days