23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, Experian had the audacity to inform me that they had received my information and dispute letter, only to dismiss it without any investigation. Their reason? They had the nerve to accuse me of utilizing a credit repair company. I've endured months of humiliation and mockery from Experian, and I've reached the boiling point. My rights as a consumer are being trampled upon, and I demand to know how I'm supposed to fight back when I keep encountering the same issue over and over again. I implore you to provide guidance and assistance in rectifying this infuriating situation. Thank you, but I'm really not in the mood for pleasantries right now
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX Balance {$810.00} AMEX XXXX Balance {$3600.00} XXXX  XXXX XXXX Balance {$2600.00}
Product: Debt collection

I have been receiving calls from Pacific Retrieval at XXXX requesting I call them regarding a debt. I have never had any contracts or relationship with this company but they fail to provide the requested information. I am requesting all communications be stop as I had filed XXXX in XX/XX/year> and all debts has been cleared. These debt collection companies tried to harass me on accounts they bought from previous accounts I had after the XXXX was approved and cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this balance in full! And it is still showing a past due balance????!
Product: Credit card

XXXX FILE NUMBER I 'M NOT ASKING DISCOVER FOR ANY FUNDS TO BE RETURN BACK TO ME I JUST WANT THIS FRADULENT ACCOUNT REMOVED FROM MY CREDIT REPORTING BECAUSE I DIDNT OPEN THIS ACCOUNT AND I DO N'T THINK ITS RIGHT FOR ME TO HAVE THIS ON MY CREDIT FILE
Product: Checking or savings account

On XX/XX/XXXX i noticed transactions i didn't make or authorize made to a XXXX XXXX XX/XX/XXXX and XX/XX/XXXX so I called chime on XX/XX/XXXX to dispute the transactions and requested a new card.i was told my the chime support person that it takes 10 days to investigate and could take up to 45 days. 3 days later on XX/XX/XXXX I received a email stating that they didn't find any problems and my claim was denied so I called chime and filed a rebuttal on XX/XX/XXXX and exactly another 3 days later on XX/XX/XXXX I received a email stating that my rebuttal was denied for the same reason. I have repeatedly called chime support and have been hung up on and told I need to provide supporting documents but I told them that's not possible since I didn't make or authorize the transactions I disputed and I don't know who XXXX even is so there's no way I could even have supporting documents. I feel like chime isn't investigating my dispute properly and I was told today XX/XX/XXXX that I won't be able to file another dispute for those transactions and I can't file a rebuttal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints via CFPB about XXXX, Transunion and XXXX. I don't understand why they make it so difficult to file disputes. I have requested they open disputes via mail and online, I have also submitted documentation for these disputes. I'm attached the identity theft report, the police report and documents proving my identify to make sure these disputes are processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account number XXXX has violated my rights as a consumer. 


In accordance with the Fair Credit Reporting act XXXX Account # 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 agencycannot furnish a acoount without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Vehicle loan or lease

I took a loan out XX/XX/XXXX i paid XXXX down and I made every payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX however yet XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments does not reflect on the account. When I call them and spoke to them they told me my first initial payment I made which was XXXX dollars thats something you have to work out with the dealer I ask them about my other payments which is the XX/XX/XXXX and XX/XX/XXXX payment of XX/XX/XXXX they stated we dont see that inside our system so I. Other words I didnt make a payment until XX/XX/XXXX but I took the loan out in XX/XX/XXXX. Something isnt adding up they are using excessive loan practices also fraudulent loan practices. I am not Lian they are trying to take advantage of me and have me trap inside of a loan that I been faithfully paying I am a member of XXXX XXXX  which is aflilated with XXXX and I would really like for somebody to help me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On both XX/XX/XXXX and XX/XX/XXXX my certified mail letters were received by Transunion letting them know that my report contained errors. I wrote to them saying that these accounts needed to be removed from my credit report if they were not accurate. I have been struggling to have this inaccurate and false and misleading information removed from my consumer credit report. From my understanding of the law, my personal and private information should not be furnished without my written permission which is a violation of 1681 ( e ). Also there are clear mistakes all over my report even after letting it be known to transunion which is a violation of 1681 ( e ) ( b ). I can not be approved for anything! This has been ongoing for months and ruining my quality of life! ALL INACCURATE accounts and information MUST be removed. They are NOT the same across ALL THREE reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

still reporting acct delinquent when it was brought current and is current XX/XX/XXXX is date acct was brought current and today they reported it delinquent again. As well as they show up as XXXX on XXXX  and XXXX XXXX on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested several times to remove fraud alert from my Experian credit report. Please remove fraud alerts from my credit report immediately.
Product: Checking or savings account

hacker went into Wells Fargo online - changed address - sent debit card to fake address- obtained debit card and successfully transferred funds from savings to checking and withdrew funds from checking account at an ATM Wells Fargo denied our claim saying we did not keep the PIN number safe enough Bank rep told us to never swipe our debit card - there are card readers
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get my credit report from either Equifax or XXXX XXXX. I have paid for services to get this from them as well and still unsuccessful!
Product: Student loan

My federal student loans are held by FedLoanServicing ( FLS ). Until recently they were on an in-school deferment. In XXXX I received notice that they were now in repayment ( this was for XXXX of my XXXX loans ; a notice for the other XXXX was not provided until XXXX ). However, I was not given any notice that the accrued interest would capitalize or an opportunity to repay it before that occurred -- instead the statements simply showed the principal as having increased. I emailed FLS on XXXX XXXX about this and did not receive any response. This morning, XXXX XXXX, I contacted them by phone to follow up. I spoke to four different representatives and learned the following. FLS received notice from the national student loan clearinghouse on XXXX XXXX, 2016 that my enrollment at XXXX XXXX ended in XXXX. On that date they immediately, retroactively granted a " late student loan notification forbearance '' back to XXXX, ended that forbearance as of that same day ( XXXX XXXX ), put me into repayment, and immediately capitalized all the accrued interest as of that day ( XXXX XXXX ). This all occurred without any notice to me of the accrued interest and without giving me any opportunity to repay it before capitalization. The last customer service representative with whom I spoke, a supervisor, agree with me that this process was not correct. But he said he had no power to change it, and that I would have to wait while a " review '' went through the system, which would take 7-10 business days. Unfortunately, I have no confidence that this review will occur, that I will get notice of its outcome if it does occur, or that it will remedy the situation -- given that FLS has failed to notify me of critical student loan information in the past, that I received no response from my email, and that I was initially left on hold for 25 minutes by the first representative I spoke with today ( apparently hoping that I would hang up ). I am happy to supply the ID numbers of each person I spoke with at FLS if this is useful to the inquiry. Many thanks for your assistance.
Product: Debt collection

I noticed XXXX listed on my credit reports and contacted them on XX/XX/XXXX in an attempt to verify the debt, as I had no knowledge of it. While on the phone, I was informed that it was for an ultrasound performed in XXXX. When I told the lady that I had never in my life had an ultrasound, she stated something to the likes of, " Sorry, wrong one. Let me see ... .did you have xrays or a CT performed? '' I then told her that what medical procedures or diagnostic exams I have had did not concern her. She then began to ask me for my social security number, I asked her why my name and date of birth weren't enough to pull up the account and also why she seemed to be taking shots in the dark regarding why I allegedly owed money. At this point she stated that the debt is valid regardless of what I say because they only service valid debts and that if I do not pay it, it will continue to sit on my credit report and I could eventually face a lawsuit.
Product: Money transfer, virtual currency, or money service

I am reaching out to you today regarding a limitation on my Paypal account. 

I woke up the morning ( XX/XX/year>XXXX  ) to an email notifying me that my account had been permanently banned with no warning. Upon receiving this email I waited for the call center to open and reached out. The gentleman helping me was very kind and courteous and left me feeling hopeful. I provided him with my excel spreadsheet of my business transactions, dates of service and how they matched each paypal transaction. He told me it could take up to 72 hours to hear back but he was pretty sure that the ban would be reversed because he could see no wrongdoing and was under the impression that the system may have just done a general ban versus a real person. Within 30 minutes I received a message on my paypal message portal saying that the appeal was denied. I reached back out through the phone and the service representative told me that yes it was denied and the account was gone. He told me there was not necessarily a break against the terms but that my account was just a possible risk to paypal so they were closing my account that had been in good standing for 4 years. He also stated I would POSSIBLY receive my {$600.00} balance at the end of 180 days. 

After thoroughly reviewing the terms multiple times, I am clear that I am not violating any terms of Paypal and would like my ban lifted. I do get mostly goods and services payments and am at the start of my business which is my livelihood. I complete surveys for sellers on products, websites, etc and utilize social media to create content. I do always ask that people send payments through goods and services but I can not control who sends me payments or how they do it. 

My case did go to appeals and I uploaded all my tax documents for the transactions requested. I had one pending claim open which I had already refunded to the customer. That claim was sided with me but I let the refund remain and did not ask to be repaid. When sent that notification I was also sent an email saying that my account was closed permanently because too many customers were unhappy with my business. This does not seem correct or valid considering Paypal sided with me. Other than this claim I had one other claim for {$11.00} which was also refunded to the customer. In all 4 years of my account being open these were the only 2 claims. This is not a pattern or a continued issue. 

I am happy to provide paypal with any information needed. Paypal is an essential part of my livelihood. However, whenever I reach Paypal will not give me a reason for my account closer but instead just tell me my account is closed and they will not give me emails, phone numbers or other means to talk to people who deal with the accounts. They have stonewalled me closed my account and help my funds.
Product: Credit card

FOR THE THIRD TIME - involving over a dozen phone calls- I was bumped off my online Best Buy account for " security '' reasons, instructed to call an XXXX number, where they again refused to give a reason for their action. ( Security : we can't tell you, it's a secret - and BTW, your phone doesn't work ( the phone I'm talking on to them on. ) ). 

They said - again - that they would send me a letter BY MAIL! Is this XXXX? Who the " XXXX  '' uses XXXX to remedy an online problem in XXXX? CITIBANK DOES!!! 

AGAIN - THIRD TIME!!! 

WHAT THE " XXXX '' IS WRONG WITH THESE PEOPLE? I CAN'T EVEN PAY MY BEST BUY BILL!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need all three credit bureaus to remove this fraudulent account I was hacked, My signature was hacked and my checking account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Defrauded my credit report with a charge of credit of XXXX and has stolen a total of XXXX from my personal checking account from my bank. I linked my bank account to XXXX XXXX XXXX XXXX and I made a mistake and my identity was stolen. I reported it to XXXX by phone call nothing was done. I closed the app and the spend and saving account deleted the app XX/XX/2023 made police report and filed complaints
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX a payoff statement was obtained from Truist bank showing a payoff amt of {$250000.00} with a payoff date of XX/XX/XXXX ; with a per diem interest charge of {$59.00}. 

The loan was paid off on XX/XX/XXXX by means of a wire transfer in the amount of {$250000.00} The additional interest due to Truist from XX/XX/XXXX ( date of payoff statement ) to XX/XX/XXXX ( when loan was paid off ) should be {$1100.00} ( i.e. {$59.00} per diem x XXXX calendar days ). 

Prior to the XX/XX/XXXX payoff, when the regular monthly payment was due, on XX/XX/XXXX I paid Truist {$1800.00}. 

On XX/XX/XXXX Truist credited me {$1800.00} So the amount of credit anticipated to be refunded back from Truist would be {$1800.00} as follows : Payoff amount as of XX/XX/XXXX : {$250000.00} ; Additional Interest per diem from XX/XX/XXXX XX/XX/XXXX : {$1100.00} ; Regular monthly XXXX paid on XX/XX/XXXX toward loan repayment : {$1800.00} ; Total XXXX due to Truist for payoff : {$250000.00} ( i.e. {$250000.00} + {$1100.00} - {$1800.00} ) ; Payoff amount wired to Truist on XX/XX/XXXX : {$250000.00} ; Additional amount in payoff ( which should have been credited to me ) : {$1800.00} ( i.e. {$250000.00} - {$250000.00} ) ; However, since Truist only credited me {$1800.00}, the amount Truist still owes me is {$23.00} ( i.e. {$1800.00} - {$1800.00} ) I went to the bank the very next day after they credited me {$1800.00} because I immediately recognized the error. The local branch said they would submit the request to their Home Equity Line Of Credit Department and get back to me in a week. I did not hear from them. So XXXX weeks later ( around XX/XX/XXXX ) I went back to the local branch and they had no further information for me, simply saying they submitted the claim for review. 

As of this writing I have not heard back from Truist, nor have I received the {$23.00} owed to me.
Product: Debt collection

I just got notification from my credit report that I had a " NEW '' collections from a company called " I.C. System, INC added to my account. When I looked at the detail it was for a company I spoke to last week because I received a letter from them in the mail that I owed them money. When I called I was told it was for an old debt with XXXX XXXX XXXX from years ago. I asked them to send me information to validate this debt because I do not owe XXXX XXXX XXXX any money and I do not have anything validating the debt and now its on my credit report? I do not owe XXXX XXXX XXXX any money as I spoke to them on the same day of that phone call and spoke to their customer service representative on XX/XX/21 that told me I not owe them anything. I have her customer ID written down at work if it is needed. Now, back years ago I was an XXXX XXXX XXXX customer and they were running a promotion to switch to their XXXX XXXX side so I did. I had an issue after this promotion that they were attempting to collect a balance on which was incorrect since I was still a paying XXXX XXXX  XXXX XXXX customer. I spoke to them/wrote a letter which I assume they still have all on file and it was all taken care of and I never heard of anything again because I had been a continuous customer for years of XXXX XXXX XXXX XXXX customer until actually just recent when I am in the process of moving. This company is attempting to collect a debt that is not valid and is fraud.
Product: Debt collection

PARAMOUNT RECOVERY SVS {$1800.00} 15 USC 1692c ( c ) law clearly states, " If a consumer refuses to pay a debt, the debt collector must cease all communication. '' And they continue to report this negatively on my credit report.
Product: Debt collection

Debt was sent to collections on XX/XX/23 during communication with the originator while disputing the charges due to not following landlord/ tenant rcws. Columbia debt recovery sent the amount to collections after mailed certified disputing the debt and asking for proof of verification with no response back. Postal service provided proof of delivery before the time limit was over to dispute and ask for proof. The account was sent to credit reporting agencys illegally and illegitimately. I have 20 documents showing correspondence and proof of following the legal course of actions without the other parties following the law per Washington state.
Product: Credit card

WFFNATLBNK is not reporting my payments to the credit Bureaus
Product: Payday loan, title loan, or personal loan

Texas Star and XXXX XXXX was authorized to take out one payment of {$130.00} biweekly on Fridays. Wednesday, XX/XX/2023, Texas Star and XXXX XXXX, specifically XXXX XXXX, took three different payments totaling {$790.00}. Transaction # XXXX {$520.00}, Transaction # XXXX {$130.00} Transaction # XXXX {$130.00}. These transactions were unauthorized for the date and the amount. XXXX XXXX took it upon herself to pay my loan off and drain my bank account without notice. I was behind by one payment. I tried reaching out to XXXX XXXX and Texas Star several times with no answer or response. However, XXXX XXXX reached out a few times and left multiple very rude voicemails and texts messages, but claimed to never receive my texts and calls concerning my payments. This matter was handled very unprofessionally considering the content of the texts and voicemails left, as well as the sudden and unexpected payments taken from my account. I have been very cooperative and on time with all of my payments. When I called to talk to XXXX she was fumbling for words and unsure how to respond. She said they took it upon themselves to pay the loan off in full. I was told the only way to get my money back was to resign for another loan. That was not an option for me considering this loan was so close to being paid off and such a high interest rate. The only reason this was done was to get me to resign another loan so they will have more sales. This whole matter was extremely unprofessional, unethical, and very disrespectful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I noticed XXXX and XXXX XXXX online retailer their reporting of a XXXX balance is incorrect and should be deleted from my credit report. I opened an account in XX/XX/2010. Had it for 1 year paid for items received. I ordered holiday items a couple of years later. The items were poor quality. I returned the items via USPS. I called because the credit to my XXXX XXXX account was less than what I returned. company representatives advised all the items were not in the box. I advised them they should check their warehouse, post office but I returned all. The fact they had some of the returns should warrant an internal investigation. No one looked into the matter. I sent letters to the company and the credit bureau. All responded the debt was verified disregarding I returned the items but the company stated it was a partial return. XXXX in more than one case sides with the corporation disregarding proof of error.
Product: Money transfer, virtual currency, or money service

The involved company is Gemini and the issue is that my account is pending verification after 5 Months into submission of my personal identifiable information. I have emailed Gemini four times consecutively, explaining my issue but have not heard anything back. I invested funds into into the Gemini platform and have been denied to withdraw those funds due to my " Pending Verification '', and it tells me to " Please check again later ''. I can not access my funds or get Gemini to release them to me, Thank you very much!
Product: Credit reporting or other personal consumer reports

I was recently notified that personal and identifying information had been leaked in several data breaches ( Name, date of birth, social security number, address, phone number, employer information, account numbers and passwords ). There are unauthorized inquiries currently being reported via TransUnion and they have negatively impacted my
credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX XXXX XXXX XXXX for my icloud storage 100GB use and the balance was less than XXXX XXXX I was not alerted by my email or phone that the amount due was considered delinquent and turned over to credit reporting bureaus. This modest due amount has resulted in my stellar XXXX XXXX XXXX coming down to XXXX. I am searching for redress and compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After navigating through Experian 's incredibly intentionally misleading and confusing website, all designed to trick me into signing up to pay them, I see that even though I filed a dispute about incorrect information, which they agreed to remove through the formal dispute, it is still up there! Also Experian is so focused on trying to trick me into paying them, I can not find any way of even getting notified of attempts to access my credit even though I am the repeated victim of ID theft. For a company that has in the past provided my information to be used to commit fraud in my name this is wholly unacceptable. Also I can not even extend the very limited 1 year fraud alert until it expires. It certainly appears that Experian is trying to do everything they can to make sure my information is available to anyone who requests it.