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

Dear Sir, This may seem a little complicated, but I have three finance plans with PayPal Credit. Two of these are six month finance plans, where the balance needs to be paid off in six months or accrued finance charges have to be paid. One of these plans requires minimum payments and the other does not, which I do not understand. The third plan is a 24 payment plan with no interest. The documentation implies that 24 " monthly '' payments need to be made,

since the plan goes for two years. I sent a " test '' payment, in the amount of {$250.00} to PayPal Credit for much more than the minimum payment of {$77.00} to see how they would apply the payment. Instead of applying my payment to the first of 24 monthly payments due of {$48.00} on the third finance plan, they applied my {$250.00} payment first to the minimum payment of {$29.00} on the first finance plan, nothing to the second finance plan and the remaining balance to the third 24 monthly payment plan, essentially making me pay the first four to five monthly payments on the third payment plan. I have no problem with PayPal Credit applying my payment to the minimum payment of {$29.00}, since this was stated in the email I
received. I do not know why there is no minimum payment required on the second finance plan, which troubles me.

There is no documentation that I could find in the various emails I have received from PayPal Credit and there is nothing on their website to explain how excess payments are applied. Obviously, the main reason is to force individuals to pay off payment plans that do not have a finance charge and to force individuals to pay finance charges on plans that actually expire first. I told PayPal Credit that this is an unacceptable practice and I consider this to border on fraud.

Fortunately, I am a CPA and I am more than capable of paying the entire balance due right now, if I wanted to. However, if PayPal is going to give me the opportunity to take advantage of six month or even 24 month payment plans, I will do that.

My biggest problem with PayPal Credit is that their emails and statements are very confusing and, in m opinion, grossly misleading. Please keep in mind that I am a CPA. PayPal Credit needs to make their documentation a lot more clear and it has to be
consistent and all payment terms need to be spelled out. I am not necessarily doing this for me, because I already know how to play their game. I am doing this for others, who may be stuck in the same type of situation and don't know any better. This is where I would like the CFPB to get involved and start asking the same questions I am asking PayPal Credit. I would like to attach a copy of my letter to PayPal Credit to this complaint.
Product: Checking or savings account

On XX/XX/2024 I transferred {$150000.00} to my XXXX bank account, I paid a fee of {$25.00} for a instant transfer. I checked my XXXX account, and the money was not there. As of XX/XX/2024, the money is still missing.
Product: Debt collection

Commonwealth Financial ha s placed a collection on my   XXXX   credit report on    XXXX    2017  for {$240.00} without sending me written notification to validate the alleged debt.
Product: Checking or savings account

I am their checking & savings customer since XXXX and they started charging monthly maintenance fee on my saving account since XX/XX/XXXX. i noticed this charge only on XX/XX/XXXX. When asked customer service about this charge, i was told we sent a XXXX pages terms & conditions letter and in that XXXX of term is the change that was made to my account. I asked them why i was not informed directly via text or call or straight letter about this single change. There is no answer for this question from customer service. without my consent/approval they implemented this change on my account and i would like this board to prevent them doing this kind of deceptive business tactics in future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit reporting. Attached will be better information being CRAs wrote they didnt understand my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Lexis Nexis is refusing to provide my credit report, I sent them my ID, and proof of address and everything else they have asked for, it has been over 60 days and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act XXXX  Account number : XXXX has violated my rights. 

15 USC 1681Section 602 states I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166BB : CREDITOR MAY NOT TREAT AN PAYMENT ON. A CREDIT CARD ACOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 US CODE 168 1A : STATES INFORMATION SOLEY AS TRANSACTIONS BETWEEN CONSUMER AND PERSON ONLY.
Product: Checking or savings account

On XXXX XXXX, 2017 I placed an order online " XXXX XXXX XXXX '' for the amount of {$120.00} I never got an email saying it was shipped so after reaching out to the company twice I decided to make a fraud claim through my bank " chase ''  they refunded my money and after a month they took money from my card because they denied the claim And said the reason why they did that was because there was a 120 days period to get my money back and because they do n't have an estimated delivery date they count from when it was purchased and not only are they starting the count from the wrong day they never informed me about the 120 day period and all they said was sorry for not informing me but I ca n't get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act.

With continued failed practices, this is a violation of the law, which decreases my credit the score and creditworthiness.
Product: Credit card or prepaid card

I was shocked when i applied for a mortgage and was reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Checking or savings account

An unauthorized charged to XXXX for {$34.00}, and now my account is still is negative XXXX when I put {$20.00} in my back account on XX/XX/20 at XXXX when it showed XXXX negative. I submitted fraud when I say the account negative. I reported to XXXX than spoke with another rep XXXX that works in fraud department. I do not have any business with XXXX  the only and I do not use the account for anything but to deposit cashier check to pay my mortgage I have never made any transactions with my debit card but one to use the ATM for XXXX I think a representative at U.S Bank gave information to XXXX. Can please looked at this.
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding a collection from XXXX XXXX XXXX. The original creditor was XXXX XXXX. The XXXX XXXX account was opened prior to my XXXX XXXX bankruptcy in 2020. When I disputed this collection with TransUnion they promptly refused my dispute without providing any evidence of an investigation. I even provided them with my case number, court district, and discharge date to aid in their investigation. 
I have had this issue with transunion, and only transunion, multiple times where the collector finally took action to delete the inaccurate information that transunion fraudulently verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i wrote to XXXX XXXX and XXXX  and told them that i had clearly had been a victim of Identity theft and that someone had stolen my wallet and used my Drivers license and social security number and applied at Best buy/XXXX with account number XXXX and XXXX XXXX Macys  account number XXXX which i had never applied for. i submitted a Federal trade commission complaint and nothing was ever blocked accourding to the fair credit reporting act XXXX XXXX Under sections 605B. The law states that they were suppose to block the fraudulent accounts in XXXX business day. They told me that they had forward my complaint to Macys  and Best buy but nothing was ever done.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that is reporting inaccurate late reportings on my credit file. The following accounts are reporting inaccurate lates : I was never 30, 60 or 90 days late on the following accounts : XXXX/XXXX XXXX XXXX XXXXXXXX  - Open date XX/XX/XXXX XXXX XXXX - Open date XX/XX/XXXX The following accounts is not mine : 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 made 5 yes 5 complaints against Experian with the CFPB this would be the 6th. They have never responded to my complaints stating : " your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' I have been sending mail to them for over a year and have recorded phone calls of them stating that they confirm these accounts being Paid In Full in XXXX. Bankruptcy and credit accounts on report validation request are also ignored and I send them certified with a bill and copy of my ID. Experian has stalled for long enough. Please see previous complaints below and review all documents sent to experian directly by me. I have also attached my disability paperwork, bank document, a photo taken today with me holding a note to experian, my Ohio Drivers License, NC ID, Unemployment documentaion that came  today and other mail sent to me today confirming I am me. The call I recorded is also attached in the previous complaints made but will not load to this one. There are so many documents that all can not be loaded due to the MB allowed. I will be willing to send them by mail or email if needed. 

A complaint was filed with the FTC on XX/XX/2020 as well as the XXXX   on XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Four times I explained Equifax that I didn't apply XXXX credit card on XX/XX/2021 and XX/XX/2021. Last month I called XXXX and they denied the applications twice because someone else failed to provide my ssn or incorrect information. XXXX already emailed Equifax to correct and delete the reporting. Also, I discovered my wrong birth date Equifax made. I requested Equifax failed to do their job to correct my reporting more than a month. 

XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone XXXX XX/XX/2021 XX/XX/2021 I don't have mobile phone then I don't have text number. Most of times I am using email for verification code since I am XXXX customer. 

Any assistance you can provide is greatly appreciated. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has illegitimately kept an item from XXXX XXXX XXXX on my credit report since XX/XX/XXXX through today, XX/XX/XXXX. By law they are responsible to remove any item after 7 years. It has been XXXX XXXX XXXX XXXX and counting. They are in direct violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

On XX/XX/2020 I purchased an Apple XXXX XXXX online through XXXX XXXX  and paid using a newly issued Apple Card ( Goldman Sachs ). On XX/XX/XXXX, the XXXX XXXX was returned to the XXXX XXXX for a full refund - and I received proof of full refund from XXXX XXXX for the phone, XXXX XXXX monthly subscription, taxes and fees for a total refund of {$540.00} that was supposedly credited back to my Apple Card according to XXXX XXXX. To date, Apple Card ( Goldman Sachs ) continues to illegally charge me monthly installments of $ XXXX/month for the iphone, apple care and taxes despite my repeated formal requests to dispute these charges. Apple Card has failed to honor the dispute or recognized the full refund credited back to my Apple Card on XX/XX/XXXX. XXXX XXXX has also failed to assist with rectifying this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about the wrong accounts found on my credit report. These fraudulent and illegal accounts do not belong on my credit report. I have contacted the Bureau directly and tried to solve this matter with them but theyre continuous neglect can no longer be tolerated. This is a serious error, and it needs to be investigated and deleted. I will attach a photocopy of my Drivers License and Social for identification purposes only! The accounts that I need removed are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I appreciate you removing these ILLEGAL accounts. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries listed on my credit report. Upon careful review, I found multiple entries that are erroneous and were made without my consent. These inquiries are not only inaccurate but also detrimental to my credit.

I want to emphasize that I have not applied for credit with these companies, nor have I authorized them to access my credit file. This breach of my privacy is unacceptable, and it violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Company Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFBP THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN TRAFFICKING DEBT BONDAGE, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX 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 disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer  available to transfer credits or finish course
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have tried twice now to get my credit report corrected. However, this credit bureau refuses to correct the report in accordance with the law and has refused to properly investigate the accounts listed in the attached affidavit documents. Additionally, this bureau has not responded to my request for specifically how they verified this account with the creditor that is alleging that I owe them. 
Lastly, Equifax has a split file and refuses to merge it back. As such, they are giving out inaccurate information about me that is defamatory.
Product: Checking or savings account

I recently was scammed by a fake company that had made me deposit a fake check and stole my ssn. I currently have a negative balance in my bank account and lost all my savings for the time being. I am a victim of fraud of identity theft and my bank TD bank would not help with my situation and ask me to pay without listening to my complaint and situation. Within the past week I had XXXX taken out of my account. I tried filing for a dispute but Im not sure if the bank will help at all.
Product: Debt collection

Mc Neil and Myers collection agency no longer has any of my information my account has been transferred to a XXXX XXXX collection agency which I have paid in full this been going on since XX/XX/XXXX/XX/XX/XXXX this need to be fixed both these collections agency have given no help at all
Product: Credit card or prepaid card

CapitalOne charged me an annual fee in XXXX on a card I no longer used. When speaking the Customer Service they stated they would waive the fee. When I explained I no longer used the card and would like it canceled the Customer Service member explained she can waive all fees so that I can keep the account. 

I was notified XXXX XXXX, XXXX that I has an overdue balance on my CapitalOne account. When I called I was told it was the annual fee and two late fees for not paying the balance. When I explained I do n't use the account and that I have n't even activated the credit card for that account and that I was told in XXXX that I would not be charged for this account as I did n't use it. They said sorry for the miscommunication but that they are going to charge me the annual fee again, and two late fees and report on my credit report the late payments. 

I explained I did not want the card, I did not activate the card so how can I be charge for a product that I did not use or activate. They stated there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is reporting me being late XXXX days late in XXXX and XXXX of XXXX. 
I was in XXXX from XXXX XXXX XXXX 
My last payment to Ditech which was the previous company now XXXX was XX/XX/XXXX. 
In XX/XX/XXXX I made a payment to XXXX XXXXXXXX XXXX. 
My XXXX  with XXXX XXXX started in XX/XX/XXXX. 
I was never late on my mortgage. 
In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of XXXX. 
I made my XXXX trial payments on time in XXXX, XXXX and XX/XX/XXXX. 
In XXXX I signed the loan modification agreement. 
XXXX XXXX took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to Ditech in XX/XX/XXXX as the bank statements show. 
Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed. 
At this point I do not understand what payment was late? 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as the 3 credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX and XXXX XXXX  Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my Experian credit report.
Product: Bank account or service

question on PNC loan app. ask what is my race? why? discrimination issue.
Product: Student loan

I have been forced into filing for forbearance due to the amount of my loans that I need to pay. I did not have a job to support myself to pay the loans of at the time when I was being billed more than {$200.00} a month. The only thing that made sense was to go into forbearance. My interest rates have gone higher, and now I do n't know how to pay it all off. Every time I try to call Navient, all they offer me is to go into forbearance and then to go into an income driven payment plan. To my knowledge, that does n't do anything except that my interest rates are still hiking up.
Product: Debt collection

This company has been calling for 3 days even on the weekend. I spoke to representative by the name of XXXX and advised the person she is asking for is unknown to me. In addition, that person has never been connected to my phone number unless is was 16 years ago. I have had this numer for 16 years.