23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

UDAAP violation from Synchrony Bank through their online banking platform. 

I made a payment through Synchrony Bank online banking which showed that I was due for XXXX XXXX. This was on the XXXX of XXXX. 

Thursday XXXX XXXX I was sent an email from them saying I missed my payment. Friday XXXX XXXX I was sent a text from them saying I missed my payment. 

XXXX XXXX XXXX I was able to call Synchrony Bank. The automated system said I was due for XXXX XXXX. Although the automated system and a phone representative said I was due for XXXX XXXX payment. 

If I did not pay until XXXX XXXX I would have a credit report. They did give me an e-mail and text but they were in direct contrast to what their online banking, automated system, and employee told me I was due for. 

This is a deceptive practice.
Product: Checking or savings account

I deposited a check for XXXX on XX/XX/year> the deposit cleared but they are asking me for a verification number I provided the number but chase said the number is not associated. I recently was participated in an event and my vehicle was unfortunately damaged and the event coordinator provided me a check as payment.
Product: Money transfer, virtual currency, or money service

This complaint is against Paypal.com. I have tried repeatedly to close my Paypal account which was opened less than one year ago. My statement shows a " Paypal '' amount of {$5.00} in my favor. This money was a refund from an online vendor. The refund was to be credited to the original payment form which is my VISA CC. Instead

of refunding the money to my CC, Paypal stuck it in their account. Paypal online customer service states that to close my account I am required to do ALL of the following ; 1. Link my checking account to Paypal so they can deposit the {$5.00} for me. I will not link a bank account to this service under any circumstances.

2, When they do transfer the {$5.00} to my account they will be charging me a " flat Fee '' as they call it of {$5.00} and another " {$2.00} '' transfer fee. That's a total of {$7.00}. That has ME owing Paypal XXXX simply for transferring {$5.00} which I told them To keep, flush it. 
3. They are also insisting that I furnish my Social Security number for tax purposes. I paid each vendor state sales tax when I purchased an item from them so I don't or would not owe any other taxes.

SUMMARY : Pay pal is trying to scam me into furnishing them with my checking account information and my Social Security number. These two accounts in the wrong hands could steal every XXXX I have. That's what this company is attempting to accomplish. They refuse to close my Paypal account unless I comply with their requests. I would like for this agency if you have the authority to require that Paypal close and delete my current Paypal account.
Product: Debt collection

I opened a Republic Finance account on XX/XX/XXXX. Unfortunately the account when to collections, and after saving money I paid it off in XXXX, and the reporting stopped. In XXXX, I noticed that a XXXX Republic Finance account appeared on my credit saying I owed money for a new location, and I tried to dispute it. I reached out to Republic finance to show that it was paid off and that it should be removed from my credit. After a while of trying to get it removed and correction with Republic Finance and the collections, they acknowledged the cleared debt with my bank statements, and I never heard from them again. However, the debt was never corrected on my credit. In XXXX, I started getting more random calls about the debt, so I showed them the exact same documents showing it was paid, then they stopped contacting me, but they never removed it from my credit. Every time I try to contact them about my credit I get no where, and they say they are correcting it, but they haven't.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My twin sister 's student loans are reporting on my credit reports. I have been disputing them since 2018 and nothing has been done about it. I always get a letter stating it has been verified as a response to my disputes. I have contacted the XXXXXXXX XXXX XXXXXXXX and they do NOT have any open student loans in my name whatsoever. This is illegal reporting on your end. I can't purchase anything because of this. It is damaging my life.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, XXXX, and Transunion consistently responds within XXXX hours stating that the account is accurate, without providing any evidence of a thorough investigation. My information has been breached and these practices violates the fair credit reporting act ( FCRA ), XXXX XXXX XXXX, which mandates a reasonable investigation of all disputes. Furthermore, XXXX, XXXX 's, and Transunion`s actions may also contravene the consumer Financial Protection Act ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the XXXX recent administrative proceeding ( file no. XXXX ) against them for similar violations, I request that the cfpb take action to ensure XXXX, XXXX, and Transunion complies with federal law and provide customers with the necessary proof of investigation 's. 

THANK YOU
Product: Mortgage

Rocket Mortgage collects biweekly payments but only applies them on a monthly basis when choosing their biweekly autopay option. It waits until the due date to apply a payment even when it has collected by autopay the full payment a week or more before. 

Example : On XX/XX/XXXX Rocket deducts a biweekly payment. A second biweekly payment is collected on XX/XX/XXXX. Therefore as of XX/XX/XXXX Rocket Mortgage has a full monthly payment but instead of applying that full payment on XX/XX/XXXX, the full payment remains in an unapplied status until XX/XX/XXXX. 

This is unfair to the consumer because it costs the consumer more interest on the loan overall than if the payment was applied when it was collected from the consumer by autopay/received. 

Moreover it is false to describe to the consumer a payment as biweekly when it is only applied monthly and/or the consumer does not receive the benefit to the amortization of loan of the early full payment autopay collected by Rocket. 

It's unfair to the consumer that the Mortgage servicer holds the payment in a pending status and receives the benefit of that money for a week or more until applying it against the principal and interest. Over the life of the loan this is thousands of dollars that belong to the consumer that the mortgage company is capturing for itself by delaying the application of the payment until the due date/first of the month even when it has received the full payment a week or more before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report and affidavit and mailed it to the credit bureaus and the creditor XXXX. XXXX stated they told the credit bureaus it was fraudulent, but XXXX and transunion refuse to correct the issue. XXXX keeps changing my information in their system without my permission. I gave them my address and phone number. I had the police and discover call with me, but XXXX kept hanging up the phone on us. I want my correct name, address, and phone number on my file and the fraudulent accounts from XXXX XXXX XXXX and XXXX removed. They have wrong employers listed form me that I want removed as well. This is how my identity has been stolen XXXX times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is XXXX
Product: Credit reporting or other personal consumer reports

The loan was opened with another car, the doors locked, and dealership came and switched with a loaner car. Then I was made to take the XXXX instead of the XXXX XXXX I did not have the proof of the original vehicle, but the dealership placed a claim to my insurance for the vehicle. This whole contract was completely fraudulent I have paid to balance off and I just want the record of this account removed from my report immediately from all XXXX Bureaus, XXXX Report and XXXX This car was a lemon I was not able to get help with repairs and I was told the warranty was no good, Credit Acceptance is a great company, but the business practices of the dealership was VERY unethical and I am sure with a complete investigation that can be found I have attached the vehicle information that was originally on the loan and I drove off in the vehicle, the first car was in better condition and I would have been able to have a better opportunity for success on my loan account.
Product: Credit card

I have a secured credit card with capital one. I paid a {$300.00} security deposit and have a {$300.00} credit limit. My last 2 payments have posted and cleared my bank and capital one but they put a 26 day hold on my payments for absolutely no reason. No one can tell me why. I've never had a payment returned or declined. I pay my card off every time I use it. I have talked to at least 6 people at capital one and none of them can give me a legitimate explanation. I'm ready to just close this card and move on. It's absolutely ridiculous that I can't use my own money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is in violation of this law:15 U.S. Code 1681i - Procedure in case of disputed accuracy. The law specifically states ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I HAVE NOT RECEIVED ANY DOCUMENT/CONTRACT CERTIFIED MAIL WITHIN 30 DAYS OF REINVESTIGATION BEARING MY SIGNATURE THAT I CONSENTED TO OWEING FOR AN ACCOUNT WITH XXXX XXXX XXXX XXXX WHICH MAKES THIS ACCOUNT BEING REPORTED INACCURATELY ON MY CREDIT REPORT. IF YOU CAN NOT PRODUCE THE ORIGINAL CONTRACT BEARING MY SIGNATURE STATING I OWE XXXX XXXX FOR THIS ACCOUNT ; THIS ACCOUNT IS THEN DEEM FRAUDULENT AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT.
Product: Checking or savings account

Consumer Financial Protection Bureau : My complaint is about a non-return of funds to my checking account ; an overdraft fee of {$35.00}, and an overdraft in the amount of {$24.00}, totaling {$58.00}. The problem that I am having is getting Wells Fargo to credit my account the {$35.00} overdraft fee, and the overdraft amount of {$24.00}, totaling {$58.00}. Prior to my going to my Wells Fargo branch to discuss this matter, the {$35.00} overdraft fee was posted ( visible ) on my online account ; but, for some strange reason, it is not showing ( visible ) on my online account today [ see attached ]. I hope Wells Fargo is not alleging that they never charged my account an overdraft fee. I find it extremely odd that the Wells Fargo 4-Page Account Statement has the {$35.00} overdraft fee on it ; where, my account statement does not [ see Wells Fargo 4-Page Account Statement ]. I have circled those transactions for your convenience. I can only speculate that the disparity in account statements would be intentionally misleading, deceptive, and an unethical business practice. Nevertheless, Wells Fargo should have credited my account in the amount of {$58.00} ; however you look at the situation. 

XXXX XXXX charged an unauthorized amount of {$310.00}, to my checking account, which caused my account to go into an overdraft status in the amount of {$24.00}. As a result of the {$24.00}, overdraft, Wells Fargo charged my account a {$35.00} overdraft fee ; thereby, dragging my account into a negative status of $ XXXX. 

The matter was resolved by Wells Fargo ; where, the {$310.00} was credited to my checking account ; but, Wells Fargo neglected to credit my checking account for the {$24.00} overdraft and the {$35.00} overdraft fee. My point is this, had the unauthorized {$310.00} not been charged to my account, my account would have never gone into overdraft status ; where, Wells Fargo would have never charged me an overdraft fee ; therefore, it is only right that Wells Fargo also credit my account the {$24.00} of overdraft and {$35.00} of overdraft fee. My account would have had a {$290.00} positive balance had XXXX not charged my account with the unauthorized {$310.00}. 

Wells Fargo is not willing to credit my account in the amount of {$58.00}, which is the total from the overdraft ( {$24.00} ) and the overdraft fee ( {$35.00} ). I would like for my account to be adjusted and credited {$58.00} ; the overdraft in the amount of {$24.00}, and the overdraft fee in the amount of {$35.00} ; totaling {$58.00}. The company in which my complaint is about, is Wells Fargo. The people involved are the Wells Fargo bankers/representatives. 

On XX/XX/XXXX, XXXX charged my account {$310.00}, without my authorization. On XX/XX/XXXX, Wells Fargo retrieved the {$310.00}, by crediting my account ; but, neglected to credit my account the amount of overdraft, {$24.00}, and overdraft fee, {$35.00} ; totaling {$58.00}. 

Wells Fargo neglected to credit my account {$58.00}, XXXX XXXX, Wells Fargo Customer Since XXXX ( XXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

I made 3 attempts to send an international money transfer to someone in XXXX via Revolut on XX/XX/year> and XXXX using the stored balance I have in the Revolut account. Each time, the transfer failed and the Revolut app shows the cancellation status as " rejected by recipient 's bank. '' I inquired about what was going wrong with Revolut 's customer service and was later told " we were unable to perform that transfer due to internal security reasons. we are unable to share the full logic behind it for security reasons. '' There are 2 problems with this : 1. the misleading information about who rejected the transfer led me and my friend to waste hours chasing down what was going wrong with the recipient 's bank, when all along, this was an issue with Revolut. they either intentionally or negligently provided the wrong information to me ( above ) about what was going wrong with the transfer.

2. I have funds in my Revolut account, yet I can not access them to make this transfer to a trusted contact 's bank account. there is no explanation for this.
Product: Student loan

XXXX of XXXX, Fl, I got this loan in XX/XX/XXXX and I was promissed a good frame time before I started making payments, I have to mention that I have n't been able to work steadily, and therefore not making payments.A few times I asked XXXX to at least accept small installments, instead they sent my account to a collection agency ( Pathfinder ) I have been in contact with this collection company, but they do not accept minimun payments and all they do is make phone calls to make threats to use their legal department if I do not pay what they ask for, Pathfinder has inflated my original account by adding high interest rate, i was not aware of.On XX/XX/XXXX I was call call by XXXX whom made threats of legal action after i recuested that i needed to see the original statement from XXXX, since the account is getting bigger and bigger.I want to stop them to call me and to harras me or intimidate me arguing that and I quote '' is a tactic for not paying '' as per XXXX, I was not informed by XXXX that my account was in Pathfinder 's collection.Thank you
Product: Credit reporting or other personal consumer reports

On XXXX, I notice that I was impacted by the XXXX Data Breach. After reviewing my reports I noticed unauthorized accounts and inquiries on my consumer report. I would like for these accounts to be removed. Account : XXXX XXXX XXXX Inquires : XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX
Product: Credit reporting or other personal consumer reports

account on my credit report that does not belong to me
Product: Credit reporting or other personal consumer reports

I have identified multiple inaccuracies that require immediate correction. 

First, the XXXX XXXX Account Number XXXX charge-off is continuing to report late payments even though the debt was charged off and is no longer owed to the original creditor. According to the Fair Credit Reporting Act ( FCRA ), once an account is charged off, the original creditor should no longer report additional late payments. Reporting late payments after a charge-off is both inaccurate and misleading.

Second, I have noticed that the information being reported about this charge-off varies across the three major credit bureaus ( XXXX, XXXX, and TransUnion ) . Each bureau is reporting different details regarding the account status, date of charge-off, and payment history. These inconsistencies further demonstrate that the information on my credit report is inaccurate and must be corrected to ensure compliance with the FCRA.

I am requesting that you investigate this matter and take the necessary steps to correct the inaccuracies. Please update my credit file to reflect accurate information or remove the erroneous charge-off reporting entirely. I expect confirmation of your investigation and any changes made within the 30-day time frame mandated by law.
Product: Checking or savings account

Hi, I previously filed a complaint with the CFPB ( XXXX ) and it was closed in my favor ( please see attached ). This week, the bank reversed the {$810.00} credit ( please see attached ). 

I thought this was finally resolved and I think it's unfair for a decision to be reversed after it was resolved. 

Please help.
Product: Consumer Loan

My wife bought a car at XXXX.they got her financed through condor capitol.they have taken payments sometimes twice a month .the when you try to get them to put it back in her account its a hassle.we have paid bank fees numerous to Times.payments were may that were not credited to her account.they closed her online account so she ca n't view it to see if payments are coming off balance.they say they did it because her car is almost paid off.they wo n't give her a XXXX. Schedule refuse.well she has paid XXXX so far.the other day they came and took our car, XXXX 's payment was n't received they say.we sent copy of check to them by e mail and fax.our bank did also, it was stamped by their bank a week before they stole our car.they said that we had five days to get mess straightened up or they were selling our car.they said it could take up to 48 hours to receive fax from our bank.on day three they say they found payment and even though it was their mistake, they need payoff plus repo fees or they 're selling our car in five days.I 'm losing my job because I use it for work XXXX.please help
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had  XXXX  separate glitches and my inquiries were deleted and then re-added to your report once the glitch was discovered. I 'm well aware of your legal rights and legal protections and that they failed to notify me in writing 5 days prior to re-adding the inquiries to my report that they were intending to do so. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion. CFPB help me make TransUnion stop victimizing me.
Product: Debt collection

False charge off on phone company, I had no acknowledgment of debt, identity theft of fraudulent activity which the laws I will provide inaccurate information from debt collector of a false balance on my credit report.dates of account opening is incorrect to my acknowledgment the balance is not due from my XXXX is not due by me balance of XXXX is also not by me please lets get this resolved if forced i will foward the commanding laws of my rights to project my innocence.
Product: Debt collection

I fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Also, in accordance with the Fair Credit Reporting Act. This account XXXX XXXX XXXX. has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 603 A Section 2 : It also States a CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. ( TRANSUNION, XXXX, AND XXXX ). HAVE NOT BEEN INSTRUCTED BY ME OR GIVEN WRITTEN INSTRUCTIONS TO FURNISH THIS REPORT. YOU ARE IN CLEAR VIOLATION OF MY CONSUMER RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Experian because I was not able to obtain a copy of my credit report. I sent Experian a notarized letter with copies of my government issued social security number, ID, my current address and a light bill. Experian advised me there was currently two variations of my social security number and it was linked to XXXX XXXX XXXXXXXX. I asked the dispute the account and was told by a representative the account was being disputed. I later called back 30 days later and the account was never disputed. I was told although I did provide documents to prove my identity. They could not remove the second social security number from my report because it was linked to XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXX on XX/XX/2021 and advised them they were reporting a debt on my credit report that was not mines and I believe is a result of identity theft. After speaking to a female representative, she was not able to locate an account under my name, government issued social security number or any other valid information to verify this was my debt. I called Experian back and a representative disputed the account. The disputed account has now come back " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details ''. how is this even possible when the debt collection agency could not even validate the debt. Experian never even investigated. This is a clear violation of FCRA and my rights as a consumer.