23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

We were billed twice on the same day for the same month of service last XX/XX/2019. We contacted Service Finance immediately and a representative told us that management was responsible for the error and we would get a check by the end of the week. I called at the end of the week to see if the check had been mailed out and was told that management had now decided not to send a check but they were going to apply it to principal. I told them that was unacceptable as I had a witness while being told over the speaker phone that management told us they were responsible and was their error. Then another representative later told me that in the state of Florida  it is not allowed to have a witness overhear a conversation. I do have a XXXX area code that is for XXXX XXXX, Florida, but I told him I am a resident of North Carolina and the loan is in NC for 2 Sunrooms. I believe he was surprised by that but continued to say I entered the information twice for payment and was not going to get a refund or any cashback of the {$74.00} the XXXX XXXX XXXX charged me. Now, due to a software called XXXX at XXXX XXXX XXXX, I received a overdraft fee of {$140.00}. I was told I would have received a full refund if I didn't have the previous {$74.00} charge. On XX/XX/2019, XXXX XXXX said they based their decision on the fact XXXX XXXX told as a response to my complaint that If they had been at fault in any way with respect to the erroneous payment, we would have absorbed all fees imposed on Mr. XXXX. Remember I had already been told and had a witness which we are now creating an affadavit and having a Notary sign it with signatures from me and my witness declaring management was going to take full responsibility for the problem and would send us a check back. This erroneous information given to a federal regulating governmental agency has caused me 'damages ' and XXXX XXXX Dispute Resolution said the first action to take is to dispute the second ACH withdrawal that was 'not authorized ' nor entered my me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following accounts : XXXX  XXXX Balance : {$700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX AND TRANSUNION CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX Balance : {$440.00}.
Product: Debt collection

A company called  Credence Resource Management  is incorrectly reporting a debt of {$740.00} on my credit report.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit. The account number they are reporting on my credit is : "  XXXX  ''.     This is not the only company who is doing this. Another collection company under the name "  XXXX   XXXX  '' is also reporting the same exact {$740.00} debt on my credit with a different account number.     It seems these  XXXX  companies are trying to service an account with  XXXX   XXXX  but I do n't even use  XXXX   XXXX . Is n't it illegal for  XXXX  different collection companies to try and collect on the same debt? As proof, I am including a screenshot from a recent report which shows how  XXXX    XXXX   is ALSO reporting this to my credit.     This appears to be a scam effort by these  XXXX  companies and the information I have found online only leads me to negative reviews and harassment stories by other consumers.     I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Product: Mortgage

I have called Shell Point Mortgage several times since being notified my loan was being serviced released to them .... 

1. Your Customer Service Representatives are advising ACH payments can not be cancelled. Please be advised this is illegal 2. Your Customer Service Representatives are advising there are no reference numbers or confirmation numbers provided when a payment is pre-scheduled. This is a conflict, when I received two confirmation numbers from a former customer service representative when I set up my payments. 
3. I provided the Customer Service Representative with the correct account number and told her to ensure the 0 was added to end, so that there would be no problem with the posting of my payment. The representative failed to do this and had I not called in tonight to speak with you, my mortgage payment would have rejected. 
4. The Shell Point Mortgage Website doesnt provide accurate information regarding anything. One minutes it shows the scheduled payments and the next minute I cant see any of my pre-scheduled payments. 
5. The Shell Point Mortgage Website does not allow me to pay via online, I must call in to a Customer Service Representative 6. Shell Point Mortgage is violating the RESPA regulations which allows the mortgagor 60 days to address any loan issues. In fact I received 6 Intent to Accelerate letters from Shell Point prior to XX/XX/XXXX. My loan was serviced released to you effective XX/XX/XXXX. 
7. Shell Point Mortgage is deliberately making it difficult for mortgagors to make their payments, this is insane by failing to make the necessary updates on the system per the mortgagors request.
Product: Credit card or prepaid card

I've seen no changes for the accounts that I have filed last month, I still see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

I sent off a letter for the company to validate the debt they say I owe they sent me back a letter stating they did not have enough information when I included all the information I wanted to be validated I asked them to validate the amount of the debt how they came up with the amount who was the original creditor and several other questions they in return write me back asking me for supporting documentation and a list of other things I feel like this is a tactic for them to get me to validate the debt on my arm which I will not do because it is their responsibility first off this just appeared on my credit they never sent me a letter giving me a chance to even pay it
Product: Student loan

XXXX XXXX XXXX XXXX XXXX ( XXXX ) displayed a history of deceptive and predatory practices targeting unsuspecting and naive students. Among the multiple allegations : Luring students with the promise of medical training and failing to uphold it. 
Encouraging students to acquire high-risk loans with small banks. 
Increasing tuition fees inexplicably every semester without corresponding enhancement in education quality. 
Passing students regardless of performance just to continue reaping tuition fees. 
Depriving students of beneficial resources which were supposedly covered by their tuition. 
Misleading representation in their social media campaigns, for instance, using images of student housing to give an impression of a similarly structured educational campus. 
Attributing students ' individual successes to the school 's achievements. 
Charging students exorbitant fees for retaking exams like XXXX, XXXX, etc., far beyond their original costs. 
Unexplained charges on student invoices. 
Delaying communication with students after payments until new fees are applied. 
Non-disclosure of essential study materials and reliance on insufficient slides prepared by instructors. 
Teaching content that was not consistent with the comprehensive exams. 
Collaborating with XXXX, which holds some responsibility for enabling such schools to perpetuate these practices. 
Imposing unconscionable contract terms on students and academically dismissing students on false grounds, including manipulating their transcripts. 
Withholding critical information like a mere 15 % graduation rate. 
Exploitative practices like withholding transcripts. 
Evident favoritism towards XXXX students with financial connections to the institution.
Product: Debt collection

Auto loan from td bank was closed since 2012! It is 7 years old
Product: Checking or savings account

On XX/XX/2024, a Bank of America XXXX thru ATM was used to deposit cash. The tap function was used to identify the debit card, a PIN number was entered, and the selection to deposit cash into a checking account was selected. Money was then inserted into the cash slot. The ATM accepted the cash. Some time in the transaction the ATM started spitting out money through the cash slot. It did not simply hand the money back in a normal fashion, instead it started spitting the money out and all over the ground. The car had to be pulled forward a motion needed to be made to the car behind to not pull forward. Money had to be collected off of the ground. After the money was gathered, the screen for the ATM read transaction canceled. The dollar amount that was to be deposited was {$4400.00}. The money I had on hand was {$1400.00}. There was a dollar amount of {$3100.00} that was unaccounted for. I believed the machine malfunctioned, but my money would be accounted for and added to my account. When I called customer service, they said there was no record I was at the ATM, but there was record of the machine spitting out money. I said impossible. How is there no record of my card when a PIN number was entered, and money was able to be inserted into the ATM. I said it must have malfunctioned, considering the ATM was spitting my money onto the ground. I have made a claim about this situation. The claims representative said it was investigated, and none of what I claimed happened. They should have video of all of this! I sent a detailed statement for them to go back and see that my claims were true. They just closed my claim again. Bank of America gives no information on anything, and everything that is said is vague. Even though there should be more than enough evidence to back up my claim. Not to mention another XXXX thru ATM malfunctioned even after this incident. I no longer feel safe depositing any of my money using their malfunctioning ATMs. I left a voice message for the resolution XXXX to call me back, and I have yet to get a phone call.
Product: Credit card

I mistakenly signed up for an illegal online casino app from XXXX, they didnt deliver anything they promised I feel absolutely robbed of over XXXX dollars and then they shut down the website, I cant afford this at all and my chase credit card is siding with them and I dont know why as it is an illegal online gambling website is there anything I can do to get these charges reversed?
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance is showing that my account opened with them was in XXXX of XXXX, which is incorrect. My account with them was open in XXXX which is also when they received a last payment from me. The branch was located on XXXX XXXX in XXXX, SC. All 3 credit bureaus are reporting different information. I tried to resolve this issue with the company several times. My account was not opened in XXXX. With it being opened it XXXX, which is well over the 7 year mark it should have been removed from my credit report. This company is not reporting accurate dates and the dates shouldnt have not started opened even if another branch received the account, its not lawful to do so. I will like this incorrect information removed from my report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account ( XXXX ). I believe that this limitation was placed in error and I have not violated any PayPal policies. 

I have been a loyal PayPal user for [ number of years ] and have always strived to comply with all PayPal policies and guidelines. I have never engaged in any fraudulent or prohibited activities while using PayPal services. 

I kindly request that you thoroughly re-investigate my case and review the information associated with my account. I am confident that this investigation will reveal no wrongdoing on my part. I genuinely value the convenience and security that PayPal provides, and I would like the opportunity to continue using your services. 

I understand that mistakes can happen, and I appreciate your attention to this matter. Please let me know if there is any additional information or documentation you require from me to assist in this review process. 

Thank you for your prompt attention to this appeal, and I hope to hear from you soon regarding the status of my PayPal account. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I opened a Citi Regular Checking account because Citi Bank offers {$450.00} welcome bonus for new customers. I funded the account for {$1500.00} on XX/XX/year> and another {$4500.00} on XX/XX/year> ( both from my personal checking account at XXXX XXXX XXXXXXXX ) to fulfill the requirements to receive the welcome bonus. However, when I tried to transfer {$6000.00} back to the same checking account at XXXX XXXX XXXXXXXX on XX/XX/year>, Citi Bank claimed that I violated the client manual and would close my account. My {$6000.00} was withhold by Citi Bank and the {$450.00} bonus was neither received.
Product: Credit reporting

For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across XXXX Equifax , that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all three did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all three not complying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

Portfolio Recovery Associates keeps calling me on local numbers after I have told them 2 times to stop calling me
Product: Credit reporting or other personal consumer reports

I checking my credit report. I seen an unauthorized inquiry that I gave nobody permission to check my credit. 


I request, pursuant to FCRA 6068 ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accourts and hard inguiries identified in this CFPB XXXX  XXXX XXXX XX/XX/year> hard inquiry
Product: Debt collection

During a review of my credit report, I noticed a debt and a corresponding name to that debt that do not belong to my identity. The debt was related to a federal student loan and the name corresponding to that debt was one not belonging to my identity. After further review, I disputed that debt and name with each credit bureau as neither belongs to my identity. To this day, the referenced derogatory account has remained on my credit profile and is affecting my scores tremendously. I know that this debt is not an enforceable debt in the amount stated and does not belong to my identity. An unknown party without my permission or knowledge used my personal identification data to execute documents to obtain this loan. As I did not apply for this loan personally, I never intended to receive a student loan to pay for my education. An attempt to use mine and others personal identification data to obtain this loan was done illegally, with incorrect and false data. 

The date of the first contact by the collection agency was XXXX of XXXX. The total balance they presented to me was {$5200.00}. At that time I contacted the agency explaining the debt was not mine and does not belong to my identity. They responded in XXXX with documents and steps I needed to take in order to prove that fact. I followed their steps within the same month, only to be contacted saying what I did was incorrect and would not be accepted. In XXXX after not hearing from the agency, I sent another letter explaining the debt was not mine in conjunction with a letter from the FTC and an Identity Theft Report to have the debt collection stopped and it removed from my consumer report. Between XXXX and XXXX, they started to send correspondence to my work saying that they were going to garnish my wages in order to pay off the debt. They did not stop reporting the debt or stop collections activity against me but sent another form in XXXX that I needed to fill out to prove the debt does not belong to my identity. I complied and returned the form within the week. Again they responded needing MORE supporting documents by XX/XX/XXXX. The documents the requested were documents I sent them previously and this would now be the fourth time. I sent the documents in order to comply and put the matter to rest. However, after returning the documents I have not been able to get ahold of the  agency and they have not communicated any results back to me. I have sent follow up letters to all parties involved but I have not received any responses. One thing the collection agency does a good job of is leaving the full name of who the debt belongs to on their documents. They leave out a key part of the name that proves immediately the name and debt does not belong to my identity.