23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Purchase Date XX/XX/XXXX Dispute filed XX/XX/XXXX Seller sent email approving refund in full immediatelyXX/XX/XXXX PayPal stated NOT to send broken glass and I would receive refund immediately XX/XX/XXXX PayPal demanded I send broken glass to seller, upload shipper policy of broken glass not allowed to be knowingly shipped, file a police report and upload before making a decision XX/XX/XXXX PayPal employs threatening abusive policies and they refuse to refund purchase of car window that arrived shattered, after they stated they would refund and NOT to send back the broken glass as it was all over my carpet and I cut my hands trying to pick it up to send back. PayPal originally stated NOT to send the broken glass back and that I would receive my refund immediately. After a week and 5 hours of calls and being transferred to every department under the sun, they pivoted and wanted me to send broken glass back in the mail, but it is considered hazardous material and is illegal to knowingly ship broken glass. PayPal demanded I get written documentation from USPS stating they would not ship broken glass. PayPal also wanted me to pay for shipping broken glass back to seller. After upload of documentation, PayPal wanted me to file a police report stating I received broken glass or something and upload a police report before deciding if I would receive a refund. This is all after the seller stated in an email to me that they made a mistake and would refund my full purchase price. I even uploaded photos to the original dispute claim, but this was not enough, PayPal refuses to refund the purchase of broken glass that I cut my hands on and is all over the carpet in my home. I have a cat and feel this is absolutely ridiculous that PayPal is able to treat customers so badly and without any oversight or penalty for lying, abusive policies and threats that if I want a refund I have to file a police report. PayPal is the most criminal organization along with XXXX and should be forced to shut down. I even uploaded pictures for proof yet they feel freed to do whatever they feel like and have a power trip and the audacity to be above the law. PayPal has held funds for interest collection on millions of user accounts and I know their actions amount to fraud. PLEASE someone help me teach PayPal they are not above the law and that the POTUS is not the example of how to do business.
Product: Credit reporting or other personal consumer reports

This Person ( Genesis FS card services/ Destiny Mastercard ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Product: Student loan

I contacted Florida XXXX and XXXX XXXX XXXX XXXX about my federal loan. They are refusing to apply the amount I qualified for in Fall of XXXX. They are claiming there are timelines. This is not true. I contacted fasa and they said it is up to the school. Furthermore, I was told my financial aid was incomplete by the university. I never received any correspondence stating this. 
I and, my mother contacted the University 's financial aid office several times, and was told everything was fine and, my award would automatically be applied to my.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX ) is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX  XXXX ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( XXXX XXXXL XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Consumer Loan

I was cosigned on a car loan through Wells Fargo. The car was totaled in an accident in XX/XX/XXXX My granddaughter 's insurance paid a settlement sometime before XXXX XXXX. There was a remaining balance. I did not find this out until XX/XX/XXXX, when I returned a call from collections. Meanwhile, Wells Fargo had been reporting that a deficiency existed on the account to the credit bureau. As a result my credit score dropped from excellent to poor. When I asked them point blank " Why was n't I notified? '' they could n't give me an answer. Had they notified me at the time of the settlement, I still had excellent credit and the ability to arrange for immediate payoff of the balance. They should have given me written notice so that I could have had the necessary information in hand. I simply was not kept apprised of the change in the account. I faxed a complaint to their dispute resolution unit and was promptly ignored via an unsigned boiler plate response. Knowingly or not, they manufactured a deficiency against me that would have never come about had they given me written notice. I have taken over the monthly payments since this situation arose. I would not be making these payments had I been afforded the opportunity to pay this loan in full when my credit score would have provided the means to do so. 
My credit report speaks for me, reflecting a long standing excellent credit history. Good credit is vital to my personal finances as I am on a fixed income. This deficiency is the only mark on an otherwise excellent credit record.
Product: Credit reporting or other personal consumer reports

I have been trying to get a copy of my report mailed to me for over three years! This company has yet to send me one! There is inaccuracies on my report. I also need to unfreeze my report! Everytime I call the representative hang up and I'm on hold for over hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX in XXXX, XXXX, and now XX/XX/2022. The collection agency Bay Area Credit Services, account XXXX and XXXX failed twice to communicate and validate the debt with me according to my rights under the Fair Credit Reporting Act. I've requested these collection accounts be investigated and removed. All I get back from XXXX is " the account has been verified ''. They and Bay Area Credit Services have not provided me any proof or validation as requested 3 separate times and it continues to show on my consumer report. Again the collection agency fails to provide validation or communication as well.
Product: Debt collection

This company have been charging me over {$130.00} every month on finance charge even on the months that i was on deferred payments because i lost my job   due to covid-19 lockdown. the governor still wont let my employer ( this is an XXXX   XXXX  in XXXX XXXX ) to open because of the virus. i have checked all the transactions on my account in comenity XXXX website and found that every month they are charging me over a XXXX dollars no matter what. they have been doing this to me for the last 2years, they have been secretly over charging my account. i never noticed the crazy charges until today when i calculated and check my bank statements and copies of the check i sent them. 

just from the virus lockdown this year, they charged me {$510.00} in finance charge from XX/XX/20 to XX/XX/20, this months are in deferred payments because of the covid-19 hardship.

they also didn't post on their website all the previous payments i made and i have the  check copies and bank statements to prove that they cashed the payments i sent them. i have attached the payments i made to prove that every month they are over charging me finance charge. i kept paying my monthly due and never missed a payment before the pandemic. they keep raising up the finance charge every month. it doesn't make sense that they keep charging me more in finance charge every month when i was paying my debt down. this company is stealing from me. i lost my job because of the covid-19 and i have many family members that died. i will never get out of debt. i need help. 


please see attached copies of the transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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 XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I noticed I had fraudulent accounts on my credit report I need them removed as they are hurting my ability to obtain credit
Product: Debt collection

There is a account for XXXX that I have no knowledge about I called and tried to get it off my records
Product: Credit card

The capital one bank has failed to do an appropriate investigation on the charge I requested a dispute on, I purchased XXXX different items from the same merchant on a Different days and I asked the charged to be disputed for XXXX of the transaction. The bank said I have received a refund from the merchant and failed to process the claim.The claim I received refund for the charge is false, I received a refund for XXXX of the transaction which is not the one I filed a claim for.The bank has continually failed to investigate unauthorized charges and disputes. I would like CFPB to conduct investigation on the capital one credit resolution department on how they conduct their services.
Product: Mortgage

Carrington Mortgage Services misapplied our XXXX 2016 mortgage payment and did not credit our account. When I provided them with a copy of the check they cashed on XXXX ( well before its considered late ), that I had to pay my bank to get, they told me it would take 10-15 days to process my payment. I called back in 10 days and was told it would take 30 days. In the meantime, I asked if they would be reporting this to credit bureaus while they find our money. They said that they could not guarantee that the folks who report their customers to credit bureaus would be told this matter is under investigation and to desist from reporting a " missed '' payment. They could only correct the false reporting after the fact. Apparently, these departments can't/wo n't talk to each other. I now have to check my credit report for the foreseeable future because these people ca n't communicate with one another. Everything is on me, the consumer, to defend my credit and good name, and prove that I paid on time. No responsibility taken by Carrington, when they could easily help by communicating with one another. Absolutely no way to be compensated for the time, effort, and stress this is taking. Since they may not be financially liable for this type of issue, they likely wo n't change. 

Overall, this is the XXXX company who has sold/purchased/owned my mortgage. I would love to have more choice in who I work with for mortgage servicing, a role in if/when my mortgage is sold, or a way of moving on from an unacceptable company without having to refinance. I guarantee these folks would n't treat us like this in person. They 're just some faceless phone bank in parts unknown, so they treat you like you need to just deal with it. Government, any government, please do something!
Product: Checking or savings account

I walked into the Citizens Bank branch on XX/XX/XXXX closed my account and withdrew the money from the account. While in the process of changing bank information for all automatic payments on XX/XX/2018, XXXX, XXXX, and XXXX the bank allowed all automatic payments to go through while there were no funds there and a request for the account closure was previously made. The payments were reversed however the bank still charged overdraft fees. 
Also, the day I closed the account the branch teller did not request that I needed to sign an account closing form to make it official. I left the branch thinking my account was closed. No other information was read to me and no information was given about the bank 's procedures for closing an account. The bank account remains open and overdrawn in the amount of {$370.00}. I have spoken to customer service they told me they can not reverse these fees only the branch can. I spoke to the branch manager, XXXX, she told me that she is not allowed to refund that amount. She sent an approval request to the bank 's higher manager 's they denied the request. I wish to have my account closed as requested on XX/XX/XXXX when my account was with a positive balance and the amount of {$370.00} reversed. Thank You.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Huntington National Bank regarding the reporting of my mortgage payments to the three major credit bureaus. 

I entered into the Huntington National Bank Home Savers Program at the end of XXXX or beginning of XX/XX/year>. The initial modified payment was for the month of XXXX. During my phone conversation with Huntington National Bank, I asked questions and received information about the Home Savers Program. However, at no point during this conversation, nor in the subsequent document I received via snail mail titled FNMA Standard Flex Trial Period Plan UDT 8.0 ( six pages total ), was it mentioned that my mortgage payments would no longer be reported to the credit bureaus after entering the program.

Prior to joining the Home Savers Program, my mortgage payments were always reported to the credit bureaus, never late, and my account was current. I entered the program under the assumption that this would continue. Had I known that my mortgage payments would not be reported, I would not have agreed to the terms and conditions of the program. 

In addition, I discovered that my XXXX payment was reported as 30 days past due to the credit bureaus, despite the fact that I made this payment on time and in full. Upon realizing this error, I immediately contacted Huntington National Bank and requested to be removed from the Home Savers Program. XXXX XXXX, Home Savers Team Lead, completed a payment deferral, allowing me to return to paying my mortgage as normal. However, Huntington National Bank refused to remove the late mark from my credit report, despite my timely payment and efforts to resolve the issue. 

I am formally requesting that Huntington National Bank correct this error by removing the 30 days late mark for XXXX from my credit report. I made this payment on time, and I should not be penalized for a situation that was not communicated clearly at the outset. 

I look forward to your assistance in resolving this matter.
Product: Debt collection

I moved out from my apartment in  XXXX  2017. They said I paid them everything that I owed, and that I did not had a  XXXX  balance. I am extremely credit conscious, I pay my credit card off every month, I check my credit scores regularly and I have never missed a payment. Therefore, it was extremely shocking and frustrating that this collection agency, National Credit Systems Inc., placed a collection against me, that showed up on my credit report in   XXXX   2017. I was never contacted by either the apartment company nor the collection agency to be informed that they still thought I owe them money. They never called ( or if they did they did not leave a single message ) nor did they send me anything in writing. I would have dealt with this before it went to collections if they had.
As soon as I became aware of the debt,  XXXX / XXXX /2017, I contacted the apartment company,   XXXX    at  XXXX  in Maryland, to confirm that I did not owe them anything, which they confirmed. Please see the attached move-out statement showing a  XXXX  balance. Then I contacted National Credit System Inc to find out what I can do to get this taken care of. The manager at the apartment company said she sent the  XXXX  balance sheet to her point of contact at the collection agency, but never heard back from them. Meanwhile, the representative that I have spoken with daily at the collection agency says they have not received anything from the apartment company. Both companies informed me that they are waiting for the other to reach out to them, yet neither company has done so.
I also disputed this collection with the   XXXX    credit bureaus, but I am afraid if these two companies can not communicate, the collection agency will continue to show that I have an unpaid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was exposed in the Equifax data breach. All of my personal information was exposed and I starting noticing fraudulent accounts and inquiries that I never authorized. I also started receiving call from debt collectors about accounts I have no knowledge of. I have incorrect account information being reported by XXXX XXXX XXXX XXXX  AS WELL.
Product: Credit reporting or other personal consumer reports

I've disputed these accounts as inaccurate. They stated they reviewed the information and it was " Verified '' if it was verified how are there inconsistencies with the accounts? 

XXXX ACC # XXXX Inaccurate date opened and last reported XXXX /ACC # XXXX date of last payment inaccurate also last reported XXXX XXXX /ACC # XXXX inaccurate date of last payment inaccurate high credit limit XXXX XXXX/ ACC # / XXXX Date of last payment inaccurate high credit inaccurate XXXX XXXX / ACC # / XXXX inaccurate date of last payment. 
XXXX XXXX /ACC # / XXXX Inaccurate date last active also inaccurate date of last payment. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

how can it be verified as accurate if they information is wrong?
Product: Debt collection

XX/XX/2023 - about XXXX - My mother received a phone call asking for my most recent address and telephone number from Lakeside Recovery. 

I called and immediately asked for verification of the debt- which they did not offer. The agent only continued to list addresses I have previously lived at and threatened me with a lawsuit and wage garnishment. The agent was also incredibly rude and said I would " owe him an apology '' when I had to call back and pay the debt. When I called the company they alleged I had an account with ( XXXX XXXX XXXX ) no one could verify the debt. 

I sent a cease and desist letter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Desde le pasado mes de agosto del 2021 me percato que en mis informes de credito aparecia una linea de credito con un balance que no me pertenece de otra personas y hasta el dia de hoy solo en 2 agencias continuan acutlizando la informacion sin verificar debidamente la informacion con el acreedor con el cual tuve experiencia de credito positiva.

Tambien se informaban datos de otras personas como nombre y seguro social que al menos fueron removidos.
Product: Money transfer, virtual currency, or money service

I requested two SEPA Euro withdrawals from Coinbase/XXXX on XX/XX/XXXX and XX/XX/XXXX for  the amounts of XXXX Euros on XXXX and XXXX Euros on the XXXX. 

SEPA tranfers should normally tak 1-2 business days but I am still waiting for the money to credit my XXXX account. I have sent countless support reuqests to XXXX and Coinbase ( they are the same company but XXXX is their more 'professional ' exchange and Coinbase is their simple front end interface ) I have nothing back from their support function apart from auto response emails. I believe this problem is wide spread as there are lots of Coinbase/XXXX customers saying similar things. The interesting this is the higher withdrawal amounts do n't seem to get processed. I have made SEPA transfer from Coinbase after the XXXX for smaller amounts which have been processed ... But the two larger payments made on the XXXX and XXXX have not been processed. So it seems Coinbase/XXXX are deliberately hanging on to the larger deposits ...