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

I purchased a product from XXXX XXXX using PayPal pay in 4 financing. The transaction was cancelled by XXXX XXXX per my request and I never received the items. I have direct confirmation from XXXX regarding the cancellation including email. PayPal is rejecting to provide any refund and after multiple phone call and messaging communication with the proofs of the purchase cancellation, continuing to provide any resolution for the issue. The merchant XXXX directly informed PayPal pf this cancellation but Pay [ pal is being denial. The last two conversation I had with PayPal messaging system, the representative reopened the case for my issue and informed that I will be notified regarding any case update via email. However after 1-2 weeks wait, PayPal just closes the case without notifying me anything.
Product: Credit reporting or other personal consumer reports

Greetings! I am submitting this complaint to seek another answer as to why I am seeing another inaccurate late mark in one of my accounts. I recently received a copy of my credit report, and found that this account ( XXXX XXXX ) was already repaired months ago. And I am 100 % sure that I paid this account on-time since then. So, I feel that the information reported about this account is misleading and incomplete. Therefore, I am requesting that the Credit Bureaus will re-investigate and REPAIR this account again : XXXX : XXXX XXXX Balance : {$49000.00} EQUIFAX : XXXX XXXX Balance : {$49000.00} XXXX : XXXX XXXX Balance : {$49000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Experian since XX/XX/XXXX for every month up until now. The first issue is they keep stating accounts are verified. But the FCRA clearly states that the XXXX system is not the only way the bureau can verify a debt. I have been receiving account verified updates since XX/XX/XXXX-XX/XX/XXXX thats about 8 months worth of disputing. I have yet to receive any paperwork from your bureau stating how it verified any debt. So its safe to say your bureau only used XXXX system meaning your bureau is in clear violation of the law. Additionally XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX has multiple FCRA & FDCPA violations. Just to name a few loan type is wrong, high balance wrong or not reporting, terms wrong, account balance wrong, original payment wrong or not reporting. 
Also XXXX XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations just to name a few open date wrong, original creditor is wrong, no high balance, original payment wrong, terms wrong, no contact number so how did your bureau verify anything theres more please see attached file. 
Additionally XXXX XXXX Account # XXXX on the most recent dispute Has multiple FCRA & FDCPA violations as well. One of the main ones are Reporting a late pay when collection accounts are close-ended and can not be late ( unlike open-ended credit card accounts ) please review attached file theres plenty more. Remove and delete all accounts listed before your bureau faces serious legal recourse from me. This is unbelievable how your bureau has so many violations.
Product: Payday loan, title loan, or personal loan

I bought a mattress with a 0 % APR over 3 years with GE/Synchrony. I had the account set on auto-pay, believing that the amount determined would pay off the loan within the three allotted years. Then, one month prior to when this time period ended, I received this letter : " Thank you for using recurring payments to make payments on your XXXX XXXX/SYNCHRONY BANK account. The amount of your upcoming payment for the account stated above, has changed from what was previously disclosed in the Cardholder News and Information section of your last billing statement. This decrease is due to recent activity on your account since your last billing statement.
Your new payment amount is {$0.00} and will be posted on XX/XX/XXXX.
If the new payment amount above is greater than XX/XX/XXXX, the payment will be deducted from your bank account on the scheduled date which you previously specified. If the new payment amount noted above is {$0.00}, it may be because recent activity or additional payments have reduced the payment amount due. It may also be because you have discontinued your automatic payments. If you have discontinued your automatic payments, please refer to the Payment Information section on your billing statement to determine the required payment due. '' Please note that I had not logged onto my account since I created it and set up the autopay. I was led to believe that my loan had been paid of and no longer looked at the account after I received this letter. However, I found out yesterday that the entire balance was not paid off on my account had jumped from {$1000.00} to {$4000.00} from one statement to the next, and that I have been charged $ 150+ since XX/XX/XXXX and that I still have a balance of over {$4000.00}.
I called the credit card company, and they were insistent that my invoice for the following month would have mentioned that my notice saying that the 0 % APR promotional period was ending, but they were unable to procure the statement that purportedly said this and there are no online records that are accessible from XX/XX/XXXX. Moreover, no explanations could be provided for why I received the aforementioned letter above which said that my new account payment was reduced to {$0.00} ( not by my own doing since I had not logged onto the account since I was required to create one ).
I believe that this is a scam and the bank has knowingly misled consumers. All I want to do is pay off my original principal and not an extra {$6000.00} in interest that I was not even aware of! I had been abroad and traveling since XX/XX/XXXX and was unaware of what was happening until now. Again, I RECEIVED NO NOTICE AT ALL THAT THE 0 % APR promotional period was about to end, and now I have already paid {$2000.00} in interest and owe more than {$4000.00} more in interest on a mattress that originally cost {$4000.00}. If I had known this were the case, I could have easily paid off any remaining principal if I had any notification at all.
I believe the credit card company did this on purpose to mislead consumers.
Product: Payday loan, title loan, or personal loan

The Loan was a Salary at NC State Employees credit union and according to them the loan charged off XXXX XXXX and they sent to collection as charge off XX/XX/2017 and they could not provide any proper documentation of when I paid they told me they scrubbed my account. Only after relocating Georgia I not only did not receive any type of correspondence Banking at new address informing of loan balance was owed. They did not report to three credit agencies for months then started reporting back XXXX. I have repeatedly asked for them to removed due to paying prior to charge off. I have been deployed total and XXXX XXXX XXXX  and divorced since debt and survivor of XXXX. Please have them sent documentation to support their report or removed completely
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed new collections on my credit reports and these Medical bills reported without any notice. No calls, no mail, nothing. According to the collection law they must meet guidelines before reporting to the credit bureaus. 
I was unemployed at the time these bills were acquired and should have been filed with the medical facilities for assistance for payments. I have never received a call, bill or any information from them and now it's with collections and on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I filed a complaints # XXXX for not properly verifying the information that is needed before providing my consumer report. I did not give XXXX XXXX, XXXX Account written permission to report anything on my report. I have NO Contracts with the XXXX debt XXXX. I did NOT ask for a Reinvestigation. The company has already responded XX/XX/2023 so how can Experian be doing a reinvestigation. Experian is using deception means in their response. I HAVE A RIGHT TO PRIVACY. YOU VIOLATED MY PRIVACY when you did NOT verify tha required permissible purpose BEFORE selling my report. 

The laws says it has to be a permissible purpose. Dont complete your bogus Reinvestigation about the accounts is verified. How can that be when no consent to report the information. Delete these accts immediately # XXXX, # XXXX. I intend to seek counsel for the continuation of the violation of my PRIVACY
Product: Checking or savings account

Wells Fargo bank claims my checking account was negative XXXX and they refused to unhold my account until I balanced out my account prior to them locking me out of my account my savings balance was XXXX dollars when I called to get my account unblocked they claimed my savings was only XXXX dollars and I was in the negatives in my checkings account Im the amount of XXXX when asked why they read me transactions that I transferred funds from my savings to my checkings to cover these transactions and it was immediately available to cover these transactions which left my savings in the amount of XXXX before they locked me out of my account in order to proceed and have my account back I had been told by there loss provention I need to visit a branch and have them transfer money from my savings to my checkings account and balance my account in order to have accesses to my bank account again which I did with a bank teller when asked by the bank teller if they would removed the hold they proceeded to tell the bank teller that they would have to place my account back on hold after I balanced my account when the bank teller asked why there only answer was become they have to and they had no explanation what so ever as to why I strongly believe they took my money and covered it up when asked about the transfers that I made from my savings to my checking account to original pay for said transactions that caused my account to be extremely negative they responded that apparently I never transferred anything which is suspicious due to my wife was right next to me as a witness when I made these transfers these events occurred between XX/XX/2023 and XX/XX/2023
Product: Student loan

I received a loan from my school, serviced by Conduent Education, for {$3300.00} ( 5 % interest rate ) for the XXXX - XXXX school year. I remained in school through graduation in XXXX. In XX/XX/XXXX I noticed my credit report showed my loan through Conduent Education was 2 months late. Prior to this I had never received any communication directly from Conduent Education regarding my loan. After contacting them, and submitting documentation, I was able to get my deferment status reinstated. 

I started paying my loan with Conduent Education in XX/XX/XXXX, while it was still in deferment. I paid the loan in full on XX/XX/XXXX. My deferment ended on XX/XX/XXXX. Based on my payment date, I should have been reimbursed for 14 days of interest, as I paid for a month of interest based on the statement. I was never reimbursed that amount, nor was I issued any paperwork indicating my loan with Conduent Education was paid in full. 

Additionally, I was charged a {$3.00} fee even though my account was never late. It was supposed to be in deferment until the XX/XX/XXXX, when I paid it in full. I contacted Conduent Education explaining the above ( fee and interest overpayment XXXX on XX/XX/XXXX, and never received a response. 

To this day I have not received any information from Conduent Education regarding my loan being paid in full. My loan is also no longer being reported to the credit bureaus. I have no official proof indicating my loan was paid off. I can not log on to my Conduent Education account. They do not have an email address posted, and their phone numbers are disconnected. I understand that Conduent Education is no longer servicing student loans as of XX/XX/XXXX ( per their website ), but these issues occurred prior to that. 

I am entitled to documentation stating my loan obligation is fulfilled, as well as a refund of incorrect fees and interest overpayment.
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide proof with the documents that their company has on file that was used to verify the accounts I disputed. They have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this issue as soon as possible. Thank you,
Product: Checking or savings account

On XX/XX/XXXX at XXXX, an unauthorized charge of XXXX XXXX  was made on my account via XXXX. I quickly called chime to alert them of this unauthorized charge when I awoke, I was able to get a new card, but since the transaction was still pending I had to wait until it completed to dispute it. Finally, on XX/XX/XXXX I was able to dispute the transaction, but they declined it. I have made several rebuttals since then with new evidence. I made a police report on the theft, as well as I spoke to a XXXX representative who confirmed that fraud has taken place and filed a fraud report, since I have not ever or had a XXXX  account, and even chime can see that through my bank statements! This purchase was made in Washington, but I am located in Virginia. It seems that they are not doing a thorough enough of an investigation because if they did I would have my money! I have submitted a police report, a written statement, and I even gave them the confirmation number of a fraud report from XXXX!! All of these are proof that my card was stolen and that money was taken out of my account, but Chime has not been of any use to me. If they were FDIC insured, then I surely would not have these issues.
Product: Checking or savings account

There are so many problems here, I dont know where to start. I signed up for a MoneyLion account, enticed by the quick {$500.00} loan and XXXX app. I received the {$500.00} loan and made 1 payment on it. Since the payments are automatic, I assumed the loan was being paid because there were charges to MoneyLion on my account every month. I recently got notification from XXXX XXXX that a negative mark is on my credit report because the loan hasnt been paid in a while. I was never contacted in any fashion. No calls, no emails, no texts to tell me that my payments were not being applied. But money was still being taken out of my account. The money being taken out of my account was for MoneyLion Plus, of which a portion goes to the MoneyLion investment account. 

I currently have about {$440.00} in an investment account with MoneyLion and I owe about {$460.00} on my loan, which I can not make payments to, not because of financial inability, but because I can not reach customer service. I have tried on 4 different occasions : XXXX MST XX/XX/2019 I was on hold for 45 minutes and then hung up. XXXX MST XX/XX/XXXX I was on hold for XXXX hour and no one answered, so I hung up. XXXX XX/XX/XXXX, I was on hold for 1.25 hours and no one answered. XXXX MST XX/XX/XXXX I was on hold for 1.5 hours and no one answered. I have spent at LEAST 4.5 hours trying to get a hold of customer service. 

I would like to liquidate my investment account, apply it towards my loan, pay the remaining balance, and close my account and see MoneyLion pay for the horrible customer service. Actually, its not even horrible - its nonexistent. 

I would also like to know why the MoneyLion Plus payments were being taken from my account, and the loan payments were not being taken from my account. 

I now have increasingly bad marks on my credit report after spending 2+ years paying off my debts and getting my score back up and the worst part is that I have zero control over  this. 

Please do something. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CHAPTER XXXX BANKRUPTCY- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX  XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX XXXX  on XX/XX/XXXX 3. XXXX-XXXX  on XX/XX/XXXX 4. XXXX  on XX/XX/XXXX 5. XXXX/XXXX  on XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 7. XXXX/XXXX  on XX/XX/XXXX
Product: Debt collection

Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintained on XX/XX/year> I received a letter stating that the account where verified on XX/XX/year> I'm formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ) To be clear, FCRA 611 ( a ) ( 2 ) ( b ) your agency is required to froward all relevant information to the original creditor to ensure a proper investigation my dispute.Im requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ) Per FCRA you are required to provide me this information with in 15 days or delete the negative items from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found multiple charge-offs on my account to be inaccurate and a hindrance to my credit report. 

XXXX XXXX Account XXXX XXXX Multiple innacuracies were found between all bureaus. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received my current credit reports from XXXX, Experian and XXXX and they all show different information regarding my closed XXXX account. The dates reported late are incorrect. XXXX shows 90 days late twice and 6 other times late 60 days late. While XXXX and Experian shows the same account 60 days late twice and 30 days late 6 other times. This is the same information I disputed a while back as being incorrect but now I have the proof. It has been reporting incorrect all this time, if they are pulling information from the same source how is this misinformation being reported differently on my credit report.
Product: Credit card

Continuously, I've upheld prompt payments on this account, preventing them from ever reaching overdue status. Nevertheless, I'm unsure about the grounds for notifications of late payment remarks on my accounts. In line with 15 USC 1666b - Billing Error, rectifications are warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on several different dates to have fraudulent inquires removed. I have mailed in all the required documents on two separate occasions, by certified mail. On two of the phone calls I spoke with someone who said they received the documentation and would remove them, but before I received the conformation number the phone was disconnected. I called back twice after that and they are now saying they do not have the documentation and they can not remove the inquiries. The last phone call I made was on XXXX XXXX, XXXX at XXXX am and I spoke with a supervisor name XXXX XXXX and he stated that they do have any documentation from me stating that these inquiries are fraudulent. He informed that they could not remove them.
Product: Debt collection

I am receiving letters from Resurgent Capital Services and XXXX XXXX XXXX   regarding the same debt. I sent them a letter on XX/XX/2019 that this debt was assigned to my ex-husband in our divorce. Yesterday, they sent me a letter with falsified information and my signature was forged. This is a very serious problem and I would like it addressed.
Product: Credit reporting or other personal consumer reports

My account was listed as closed on XX/XX/XXXX due to a repossession. My account is not closed and my car was not repossessed. I reached out to them to ask them to report the correct information to the credit bureaus. They are refusing. I want them to show proof of my car being repossessed in XXXXXXXX XXXX XXXX. I want them to prove what they are saying about my account.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 

I feel i was negatively impacted by Experian hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 
A fine will be applied soon if proper investigation is'nt applied too.
Product: Credit reporting, credit repair services, or other personal consumer reports

They closed the account and said it was all over and closed, but still shows up. This is with Zions Bank.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year>. I noticed on my bank statement that they continue to take automatic payments out multiple times a month tried to ask for information when I called and they just want all my information again my Social Security number, my address everything that they supposedly already had to be able to do the transaction. I cant talk to nobody to get any other information because they want all my information to talk to somebody and Im not giving that out again because Im already having issues they have taken out Monthly payments 23 times month