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

The letter sent to PayPal today describes what happened and is copied below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PayPal Inc . 
Attn : Billing Error Dispute Documentation Request XXXX XXXX XXXX XXXX XXXX XXXX  PayPal Case # XXXX Case Denial To Whom It May Concern : I am writing to challenge this denial of a recent order transaction in which Pay Pal took more from my credit card than the company charged me. The order totaled {$65.00} and PayPal paid the company {$81.00}.

The order from the company as well as information from the tracking company clearly states that the cup holders purchased were part of a XXXX Sale and included an additional 20 % off and free shipping if XXXX were purchased. I authorized payment for the {$65.00} as you can see on the order confirmation ( enclosed ). The PayPal confirmation paid out {$81.00} with no explanation of the discrepancy. I challenged this additional {$16.00} and asked to have it returned to my charge card and you denied this. 

I received a response from PayPal that the case was denied after contacting the company because the difference was due to additional fees, shipping charges, or currency conversion rates. 
The items price was listed in the ad in XXXX dollars, shipping was free, there was no mention of any additional fees, and New Hampshire has no sales tax so that should not have been charged. 

If you received a request for more than the amount listed on the order, you should have notified me before paying it out. I would not have ordered the items that included this additional charge. 

This is XXXX of the few times that I have ordered something from a XXXX ad and believed that if it was a scam, I would have been protected by paying through PayPal. I am very disappointed that this is not the case. You should have notified me that they were trying to take more money than I authorized. 

Please refund my credit card with the additional {$16.00} that I was charged. 


Sincerely, XXXX XXXX XXXX ( XXXX ) Cc : Consumer Financial Protection Bureau
Product: Debt collection

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. the notation of the following late payment ( s ) and charged off total balance is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. USAA XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. 

If you are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws15 USC 1681i, 15 USC 1681s-2 ( a ), 15 USC 1681s ( b ) In addition to that, I was never provided with the Opt Out option under the privacy of consumer financial information 15 USC 6802 . Before my nonpublic information was shared with an unaffiliated third party, Creditor never have me the opportunity to opt out of such sharing. Please provide me with a copy of the notice and the date it was sent. Non-public information includes account balances, transaction history and payment information. My rights have been violated because I have never been informed about how my financial information is being shared with unaffiliated third parties. Creditors are supposed to follow these rules to protect the privacy of my information and prevention of unauthorized sharing. 

I have not been provided proof under the doctrine of estoppel by silence ( XXXX v. XXXX, XXXX XXXX, XXXX ) and presume no valid debt exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past couple months I have been challenging a bankruptcy that was put on my Transunion credit report that does not belong to me. They have sent me letters saying such bankruptcy was verified through the court system as well as a for profit company known as XXXX. I have reached out to those companies myself and they have stated that not such information was given to any credit bureaus. So i decided to file a report with the CFPB in regards to Transunion unethical reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUESTED FOR MY FREE CONSUMER REPORT AT XXXX ON XXXX. I RECEIVED TRANSUNION REPORT BUT IT DID NOT INCLUED SPECIFIC INFORMATION THAT IS IMPORTANT TO MY DISPUTE. AND I WAS DENIED BY XXXX AND XXXX. WHICH IS A VIOLATION OF 15 USC 1681g AND 1681h.
Product: Checking or savings account

on XX/XX/XXXX I called into Chase bank XXXX XXXX department where I was told I would no longer be able to open an account with Chase Bank. I asked why and they explained the Bank reserves the right to no disclose that information. I asked if there were an appeal process or a process for me to formally request for more information and was given the same answer. " Chase Bank reserves the right to not disclose that information ''.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme disappointment and frustration regarding the lack of response from TransUnion, XXXX, and XXXX regarding the disputes I submitted to rectify inaccurate information on my credit report. 

I meticulously outlined the discrepancies, providing a comprehensive list of accounts and highlighting the blatant violations perpetrated against my consumer report. Despite my efforts, it has been well over 60 days, and there has been no acknowledgment or resolution from your end. 

I have attached copies of all the dispute letters I sent for your reference. 

It is disheartening to point out that your company is in direct violation of FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as such. The mandated 605 ( c ) running period has also been infringed, as the date of the last activity on this account is inaccurately reported instead of reflecting the last payment date. 

Furthermore, your consistent failure to validate this collection account is a clear violation of FDCPA 809 ( b ), as per the FTC 's opinion on the matter. 

I find it imperative that you address these issues promptly and rectify the inaccuracies on my credit report. Failure to do so will leave me with no option but to escalate this matter further through legal avenues available to me. 

I anticipate your immediate attention to this matter and a swift resolution.
Product: Credit reporting

I currently have an initial fraud alert on my file with all XXXX bureaus. TransUnion even sent me a confirmation notice that this initial fraud alert was issued as of XXXX/XXXX/2015 and would remain for 90 days. I attempted to receive my FREE copy of my credit report under FEDERAL law with TransUnion on their website. I followed the correct prompts regarding my reason - fraud alert - and was promptly told to pay {$8.00} because I live in California. My request is not a just-because that would qualify for a fee charge ; this is in conjunction with my initial fraud alert! I am illegally being redirected by TransUnion to pay for a free report I am entitled to based on FEDERAL law.
Product: Credit reporting or other personal consumer reports

I am writing to express my urgent concern regarding the delayed correction of a late open accounts on my credit report. It has come to my attention that despite my repeated attempts to rectify this issue, the late open accounts remains inaccurately reported, adversely affecting my creditworthiness and financial standing.

I have taken swift action to address this issue by contacting your customer service department, submitting formal disputes, and providing supporting documentation to demonstrate the error in reporting. However, despite my immediate and diligent efforts, the late open accounts has not been corrected, leaving me at a disadvantage in accessing credit and financial opportunities.

The continued presence of this inaccuracy on my credit report is unacceptable and has caused undue stress and frustration. As a responsible consumer, I expect timely and accurate reporting of my credit information in accordance with industry standards.

I demand immediate action to investigate and rectify this situation by correcting the late open accounts on my credit report without further delay. Given the urgency of this matter, I request expedited handling of my dispute to ensure a swift resolution.

Furthermore, I expect transparent communication and regular updates regarding the steps being taken to address this matter. Any further delay or lack of communication will leave me with no choice but to escalate this complaint to regulatory authorities and explore all available legal remedies to protect my rights as a consumer.

I trust that you will prioritize this matter and take swift action to correct the inaccuracies on my credit report. Please acknowledge receipt of this complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$100000.00}.
Product: Credit card

In the spring of XXXX I had some dental work done at a local dentist office. After the work was done the dental bill was like XXXX dollars owed. I was given the option to apply for a XXXX XXXX credit card. Which sounded like a good idea, where I was told that I could just make monthly payments, like any other credit card that I have. My monthly payments were like XXXX dollars month. Unknown to me I was offered a promotional plan that had a expiration date if the balance was not paid by a certain date that I would be slammed with an outrageous interest charge! Had been making my scheduled payments on time, when out over nowhere I went from having a owed balance of {$260.00} to an unbelievable new balance of {$630.00}! I was hit with a {$370.00} interest charge and a {$37.00} fees charged. I'm XXXX XXXX XXXX and have a fixed income. What XXXX XXXX did to me was very unfair, and I would think this type of lending would fall under predatory. I did reach out to XXXX XXXX to let them know that I had no idea what the Credit Card company had an expiration dates as far as the balance. XXXXXXXX XXXX pretty much told me so sorry so sad!
Product: Checking or savings account

Citi bank sent me a mail offer regarding opening a checking account and if I fulfilled certain conditions I would receive {$700.00}. As Ive previously complained about citi bank not honoring a previous offer I went to the XXXX branch and spoke to a staff member XXXX XXXX who stated that the only conditions listed on the flier were to spend a certain amount of money and to have a Qualifying bill paid from my account for 2 months. 
She checked the flier twice and confirmed that there were no other conditions listed. I read the flier 3 times including the small print of which there was a lot and then called the number on the flier before I opened an account online. 
I spoke to XXXX who told me that I had to have {$200000.00} in my account to qualify for the {$700.00} and lesser sums for the other amounts/rewards. He could not explain why the flier did not list the criteria but apologized and agreed to have my name removed again from their mailing list. This kind of false advertising is not allowed in other countries why then does citi bank keep being allowed to send out misleading offers for new accounts and sometimes credit cards.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX XXXXXXXX should not be reporting on my credit report. I reached out to the original creditor via XXXX and was informed that XXXX tried to contact the company twice, but the company failed to respond. Why would I trust a 3rd party collection agency whom I've never signed anything without validation from the original creditor? My personal information has been compromised many times, and without validation from the original creditor, how can you be sure that this debt is mine? Was there proof of my ssc and id on record? There were no copies sent to me if so. I have attached the proof of no response from original creditor. The invoice is attached for your company 's violation, and payment is to be remitted to the address on the true bill/invoice along with the deletion of this account. The original account was never verified ; and this account can not continue to report on my credit.
Product: Mortgage

I sent an insurance claim check to PennyMac in the amount of {$33000.00} ; they received and cashed on XX/XX/XXXX. I submitted all information they required with exception of contractor 's license and signed XXXX. The contractor has now backed out because of the length of time this is taking to get funds disbursed. 

I sent a written request to Pennymac on XX/XX/XXXX along with estimates for materials needed for the repairs. I need to go ahead get the materials ordered before they are no longer available. They advise it takes 2 days to process your request, so I called on XX/XX/XXXX to make sure they received the request and confirmed they did. I called back on XX/XX/XXXX to get an update on the request and was told they needed signed XXXX and license from contractor. I explained the request was to release funds to buy materials only, not pay contractor which was very well explained in my request. I was told they would put in the request that day, XX/XX/XXXX and would have an update for me no late than XX/XX/XXXX and would be good idea for me to call back because they probably would not contact me. 

I called back on XX/XX/XXXX and was told the request had to go to their " corporate '' office for review and it could take an additional 11 days for a decision and the request was submitted to corporate on that day, XX/XX/XXXX. I was told again to call back to check status next week.
Product: Consumer Loan

I bought a car at a buy here pay here location and they sold my contract to another Loans co Without myself permission I do not believe I have to pay a loan co that I did not borrow from so in turn I would like the derogatory loan removed from my credit and let out if the deal alltogeather or send me the title to the vehicle.
Product: Checking or savings account

This is an addendum to a previous closed case. I do not feel the matter is closed until I am provided a tracking number with the funds.
Product: Mortgage

I have repeatedly asked for my XXXX, XXXX and XXXX   accounts to be updated to paid as agreed with my mortgage office Seterus , INC . I have made on time payments and asked for goodwill removal of late payments from XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I am trying to get a business loan to grow my company and the late payments are hurting my ability to apply for more credit.
Product: Checking or savings account

Several overdraft fees. 
Then deposits by my employer were not available for withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership and applied for a car they said that they were only going to submit my information to XXXX XXXX but they actually submitted my information to 10 different companies without my knownledge or consent. I have listed the following companies, XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/2022 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a  XXXX   XXXX   XXXX  veteran. On my report for  XXXX  there are  XXXX  ECMC accounts, all are account number  XXXX . That were disputed that were closed and then removed from the report. 2 Days later they showed back up on my report as new accounts and i have since placed new disputes on this. How can they remove then re add these accounts?
Product: Mortgage

They foreclosed on my house and kicked me out! Wouldnt help me save my home!
Product: Credit card or prepaid card

Comenity bank has been out of service for 5-6 days. Cards are declining, payments cant be made, nobody is answering the customer service lines. The only responses Ive seen is on twitter from some small @ askcomenity account that is just giving robot responses. Saying this is planned maintenance. Ive never had a bank or cc company do plannedmaintenance with no announcement of it before hand and for a week straight and no end in sight. Usually happens in a few hours over night. And to shut down customer service lines during this is just insane. Somebody needs held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Product: Credit reporting or other personal consumer reports

In XXXX, received a letter from XXXX XXXX XXXX and XXXX XXXX XXXX decreasing my credit limit on my credit cards stating that the received information from the credit bureaus ( XXXX, XXXX, Experian ) that lead them to make this decision. I never authorized for this pull on my credit report, I requested to be opted out of sharing my personal information
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Verification Account Number : [ XXXX, ] Dear [ CAPITAL ONE I am writing to formally request validation and verification of the debt your company claims I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. Please provide detailed information so I may determine whether I am indeed responsible for this debt.

In particular, please send me : 1. The original creditors name and address associated with the debt. 
2. The amount of the debt, including a breakdown of any fees or interest accrued.

3. Proof that your agency has the authority to collect this debt, including any documentation confirming your assignment or ownership of the debt.

4. Details of the original agreement that created the debt, to verify the legitimacy and accuracy of the claim. 
Please treat this letter as a formal dispute of the debt and cease all collection activities, including reporting on my credit, until the requested information is provided. Additionally, please be aware that any attempt to collect a debt without validation is a violation of the FDCPA. 
Thank you for your prompt attention to this matter. I look forward to receiving the necessary information to resolve this issue. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the company  XXXX  certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to  XXXX   XXXX .   Both companies have yet to provide any validation bearing my signiture.     After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get credit.
Product: Student loan

Ive tried to defer or forebarence my XXXX XXXXl loans thru Navient and I qualify for being unemployed they keep saying they havent gotten the documents correctly to prove and Ive sent them thru online and mail! Online verification does not work and they said my documents thru mail wernt identifiable! They keep saying Im late on my credit report and they are hurting my credit score! My XXXX loans are also being transferred to a new services in XXXX! I just want them to stop saying Im late every month on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law to resolve this matter as soon as possible. 
XXXX 'S XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$1500.00}
Product: Checking or savings account

I received promotion mail from Truist bank. The promotion was that I will receive {$400.00} if I open my account and have 2 direct deposit of totaling {$1000.00} or more within 90 days of account open. On XX/XX/2023, I opened the account using the promo code that was mentioned in the promotion letter. I didnt get confirmation or acknowledgement that promotion was applied or not. Because of this confusion, I called Truist bank customer care on XXXX and informed them the same. The agent checked and informed me that promotion was correctly applied, and I should be getting promotion after meeting the conditions. I made 2 direct deposit transaction one on XX/XX/2023 of {$1000.00} and another one on XX/XX/2023 of {$10.00}. This should qualify me for the promotion. I called Truist customer care today ( XX/XX/2023 ) to verify the same. I was shocked when the agent informed me, I didnt do my qualifying deposit though she confirmed my current balance is {$510.00}. I asked her to check the transactions again as I can see both the transactions in my account. She keeps on stating that I didnt have any direct deposit other than {$10.00}. Then I asked her to check why I have balance of {$510.00} when I didnt make the any deposit according to her. Then she went back and checked with someone else and stated to me that she can see the deposit, but it is not qualifying deposit, so I didnt qualify for promotion. I was in complete shocked. I said it is direct deposit as it came from my employer, and it is qualifying transaction. She was resisting it. Then I asked her to connect me to her supervisor. I was connected to supervisor after few minutes. I explained her all the things, then she checked on something and informed me that promotion wasnt applied at the time of the account opening, so my account doesnt qualify for promotion. I said you can go and check the recording of XX/XX/2023 where agent checked and confirmed me that promotion was successfully applied to my account. I am very disappointed with the service. She told me she is going to submit request to check the recordings and it will take about 25 business days to hear back from the backend team.