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

I made a payment on XXXX  with XXXX XXXX XXXX, who services a loan I received through Lendly with XXXX XXXX Bank as the lender. I contacted both Lendly and XXXX XXXX Bank to cancel this payment which is scheduled for XX/XX/ by calling the number as directed at the time I made the payment. The prompt indicated I had until XXXX XXXX XXXX XXXX today, XX/XX/, to cancel this payment. I made calls at XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX, only to be told that there is no record of the payment, and that " it takes a few days to show up in their system ''. 

Having done everything I could, I was still unable to cancel this payment using the directions provided by XXXX XXXX XXXX and Lendly. This is ethically dubious behavior on the part of Lendly, XXXX XXXX XXXX and XXXX XXXX XXXX. If an individual is able to schedule a payment online, they should be able to cancel said payment. If an individual is told to call into a specific number to cancel a payment, they should be able to do so, not be told that the payment has not shown up in their system and as a result nothing can be done. Now the payment I wanted to cancel, within the parameters set forth by Lendly ; and XXXX XXXX XXXX and XXXX XXXX Bank as agents of Lendly is unable to be cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the inquiries fromXX/XX/XXXXandXX/XX/XXXX are not from me. Somebody has been applying for things in my name. The only valid one is for XXXX XXXX. I had to place a fraud alert on my credit because somebody has my information.
Product: Credit card or prepaid card

I previously reported a related occurrence whereby Citicards changed the monthly statement balance and caused an interest charge to be generated on my account, see ( XXXX ). 
Since inception, I have never paid an interest charge on my CitiCards. I always pay the FULL statement balance each month. I use the CitiCards web site to review and schedule the payment transferring the funds from my bank. 
Previous to last XXXX XXXX the CitiCards online statement and my PAPER statement have been identical. However in XXXX XXXX the online statement understated the amount shown on the paper statement ( which was received after my online payment ). When I paid the online FULL Balance online, CitiCards sends an email verifying that I had paid my balance in FULL with No Balance Due. However, on the next monthly statement, the remaining difference between the paper statement and the online statement would be shown as carried forward and would result in an Interest charge.

Subsequent to this event I now specifically compare the paper monthly statement balance ( that I receive a week after the email notice of statement availability ) to the online statement balance to assure that they are identical.

CitiCards has again changed the balance of my monthly statement which would have caused an underpayment of the full statement balance. 
In XX/XX/XXXX, I received an email notice that my XXXX ( XXXX ) monthly statement was available. I subsequently signed into my online account and scheduled the payment of the FULL ( online ) statement balance of {$3200.00}. 
About a week later I received a mailed ( paper ) CitiCards statement with a balance due of {$3200.00}. Obviously there is a {$11.00} difference which would have resulted in an underpayment of the monthly statement- and the generation of an interest charge ( which previously occurred in XXXX ). 
I again signed onto my online CitiCards account and again verified that the online FULL balance was as previously stated ( {$3200.00} ). I amended the scheduled payment amount by submitting a " Custom '' payment amount for {$3200.00}. 
The different statement amounts in this case seems to be a statement credit that appeared on my online statement but did not appear on my " paper '' mailed statement. CitiCards obviously controls both the online and mailed statements so the fact that they issue statements with two different balances is baffling. 
Furthermore the fact that CitiCards would have charged me interest on an amount that was in fact " My '' money ( a credit ) is even more concerning.
Product: Money transfer, virtual currency, or money service

My PayPal account was frozen ( limited ) and I cant use it or get my funds that are in my account for 180 days. 
Late XXXX XXXX I had to open a PayPal account to cash in on some winning from XXXX sports. It was the only way that I could claim my winnings because it was the only way that they would make the payment. As long as it was open I decided to start having my rewards from other sites transferred into the new PayPal account. 
On XXXX XXXX, XXXX I received an email that my PayPal account was limited ( frozen ) and I could not use or have access to my funds, I would be notified after 180 days as to how to get my money. There was no explanation as to why my account was frozen, ( only a link to possible reasons, none of which seemed to apply ). The only things that I did were to deposit funds, check my balance and try to apply for a PayPal card. None of these actions should be a violation of rules. 
I called customer service to try and clear up the situation and was told that they could not see any reason why the account was frozen and that it would be restored within 24 to 48 hours after a review and I would get an email when it happens. 
Five days later I still did not receive a reply and my account was still frozen. On XXXX XXXX, XXXX I called customer service again and again I was told that they could not see any reason why my account was frozen and that there was no update to the status of my account and that they would send another request to the reviewing department. I was also asked to send a copy of a photo ID which seemed unnecessary because they already had information on me like my SSN. I reluctantly sent their request. 
As of XXXX XXXX, XXXX after 11 days there was still no response to any of my calls and my account is still frozen so I filed a complaint with the XXXX. 
I received a response that the account would remain frozen and I would receive instructions to get my deposits back in XX/XX/XXXX. 
This all stems from the use of a VPN when I accessed my account. 
In the mean time I have a reward that is in limbo. It was supposed to deposited into my account but they cant deposit it because of the freeze and I dont know if I can get credit or some kind of refund for it. 
How can they arbitrarily freeze peoples accounts and use the same excuse of risky activity and hold on to their money for 180 days? 
How can I get my account restored?
Product: Checking or savings account

Navy fedral credit union took {$2000.00} dollars out of my savings account with no explanation on why the took it. The representative from navy fedral told me it would be A 10 day Investigation and has been prolonging my funds every since causing me to miss payments and enabling me to invest .....
Product: Credit reporting or other personal consumer reports

I am writing this correspondence to request the removal of outdated or inaccurate personal information from my credit report. I have reviewed my credit report and identified the following outdated information that needs to be corrected or removed : Incorrected Names : XXXXXXXX XXXX Outdated Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Outdated Employment Information : No longer at these employers. 

XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, information that is outdated or unverifiable must be removed from my credit report. This includes addresses, employment details, and phone numbers that are no longer relevant or accurate. 

I request that you investigate and correct these inaccuracies promptly. If you are unable to verify any of this information within the required 30-day investigation period, please ensure that it is removed from my credit report, in accordance with the law. 

Please provide me with a written confirmation of the changes made to my credit file or a statement indicating why certain items may not have been removed. I attached a copy of current lease with my correct address, and it also has the correct spelling of my name. 

Thank you for your attention to this matter. If you need any additional information from me to process this request, please feel free to contact me via email at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax notified me regarding XXXXXXXX XXXX, CARE OF XXXX XXXX XXXX XXXX that information " HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACTUAL PAYMENT *SCHEDULED PAYMENT *PORTFOLIO STATUS. '' Errors still exist on my credit report when I never had any creditor relationship with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was never my original creditor. XXXX XXXX XXXX XXXX  does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX for an amount of {$1800.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX. Equifax failed to produce any documented evidence of how XXXX XXXX CARE OF XXXX XXXX XXXX XXXX a Debt Buyer Account is owed a past due amount of {$1800.00} for a debt owed to XXXX XXXX XXXX XXXX  as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX XXXX XXXX, CARE OF XXXX XXXX XXXX XXXX is listed on my credit report for a Collection balance owed for a debt to XXXX XXXXXXXX XXXX XXXX  as the original creditor that is an error. Equifax remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and XXXXXXXX XXXX  CARE OF XXXX XXXX XXXX XXXX remains in direct violation of The Fair Debt Collection Practices Act.
Product: Checking or savings account

I opened an HSBC account on XX/XX/2017 when there's a promotional bonus offer of {$350.00} dollars if open a new account and maintained the balance of {$10000.00} in my new advance checking account for 3 months. I have also chatted with several agent multiple times to confirm my eligibility for the account bonus and also that I have met all the requirements to qualify for the bonus. 

However, the bank told me that their Campaigns and Promotions Team has determined the HSBC Checking account is ineligible for the promotional bonus due to the previous open account within one year of the campaign start date. 

I don't remember seeing anywhere saying this when I opened my account please I also chatted with agent multiple times to confirm I was eligible for the bonus and the agent confirmed I was. Now the bank doesn't want to honor the bonus and telling me I am not qualified. Why do all the agents confirm i met all the requirement and don't double check and tell me I can not qualify when I opened my account. They keep delaying me and locking up in money in their bank and not telling me right away. They locked up my money there for over 5 months making me thinking I will soon receive the bonus as confirmed by each agent i talk to but in the end still won't give me the bonus I deserve. I don't think this is fair for the customer who followed all the rules and requirements and in the end got trick by the bank to keep the money in there for a long time. 

If the bank don't want to honor the bonus, they should train their agent to tell customer the truth right away and not trick them into opening an account because of that bonus and maintaining the money I could have put into other higher interest earning banks. 

Thanks.
Product: Student loan

I have reach out to the department of education for Navient about the reporting on my credit card showing that i was late 90 days For XX/XX/XXXXover 10 times since my credit score has been impacted. Requested several time and even hand written a goodwill letter to the department in XX/XX/XXXXExpressing and apologize if they didnt receive my electronic paperwork in time for the repayment plan. I explain to them i suffer for migraines which is why i requested for the plan to give me time to get my healthy again to be able to work which they agree to but got blindsides with being reported late.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX  - XXXX - {$3600.00} XXXX XXXX - XXXX - {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account, yet PNC Bank refuses to send me proof despite having sent them numerous certified mail letters via notary.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I request that the accounts and inquiries listed below be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were created without my authorization, and I request their immediate removal from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My school Loan of {$52000.00} was given a forbearance. I have repeatedly asked Nelnet to stop reporting the same payments two and three times effecting my debt to ratio.
Product: Credit reporting

I was unable to receive my free credit report. I got an error message saying the site was temporarily down. When I went back to get my credit report, it stated I already had received my free credit report but I did n't.
Product: Credit card

I am writing about my XXXX credit card through Comenity Bank. I paid this account off before the due date and they continue to charge me interest. This is the third time they have done this! This account is closed and has been for almost a year yet they keep charging me.
Product: Money transfer, virtual currency, or money service

Hi I was trying to do a transfer to my Bank Account with VENMO and it wouldn't let it go through. They then sent me a email and said my account was Suspended. Please help me with this issue. I need to pay my electric bill and can't with the account frozen. Social Security accidentally put me on the Death Database. This may be the reason. I'm not sure. But, I Uploaded the Erroneous Death Case-Third Party Letter from Social Security Office proving their mistake. I also Uploaded my Louisiana Driver 's License. 
Cordially
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital continues to furnish information on a credit report regarding repo. When the vehicle was retrieved, documents regarding bill sale after repossession. The company failed to comply with FCRA guidelines. Withholding information, continuing to tarnish credit and creditworthiness. The actions of the company will enable future opportunities to establish and rebuild credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX, I reviewed my credit report with Equifax.com to find inaccurate information that is being reported by Equifax. I contacted an agent during that time to explain the discrepancy. Equifax is reporting a numeric number after my name. On XX/XX/XXXX, I sent the requested documents to update my name. To date, Equifax has never removed this numeric number from my name. It has caused creditors to deny use of there services because of an identity problem. On XX/XX/XXXX, I reviewed the same inaccurate numeric information contained by Equifax, I tried to dispute the error online. I tried to upload my drivers license and open a dispute regarding incorrect identifying information and the upload was rejected, advising I contact Equifax. I contacted Equifax Agent XXXX XXXX. The agent advised to mail my documents. I advised ; I did this in XXXX. I requested that she submit a technical ticket because the information reported is in fact reported and recorded by Equifax. 
I asked for a reference number for the contact call. XXXX advised there was no reference number. I asked for a call escalation and XXXX was adamant that I would not receive any help. Agent XXXX advised that a creditor would need to update my identifying information. I advised I needed further clarification, because I was only aware that ALIAS could be updated by current creditors and NOT account information reported and recorded by Equifax. I then spoke with XXXX XXXX, who claimed to be an escalated account agent. I did not received help from this agent either. XXXX advised I needed to send in additional identifying information by mail. XXXX advised documents forwarded on XX/XX/XXXX were past the 90-day use mark and they were out of date. I asked for identifying call center information and XXXX refused to provide the information. I asked for a reference number for the contact call and XXXX refused a reference number. I asked if the call was the call center? XXXX refused to answer rather I was speaking with a call center representative, or a Home based representative. She was so angry that I asked for this information that she disconnected the call on me. With so many Business changes due to Covid19, there needs to be accountability for reference numbers and rather the agent is refusing to help customers because they are located outside the Business Office. Equifax should be held accountable for both accuracy of what their Business is reporting to Creditors, as well as accountable for the period of a year they continue to report inaccurate consumer information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Equifax, XXXX, XXXX didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Product: Vehicle loan or lease

I purchased a  XXXX   XXXX  and the loan company is American Finance LLC. I never received court papers to appear to court, nor have I never seen a bill of sales of the  XXXX  after they repossessed it and sold it.  XXXX   XXXX ,  XXXX  was the first check the garnishment started. On the  XXXX   XXXX ,  XXXX  check the last {$43.00} on the total due on the judgemen t ( {$6700.00} ) according to the court papers my employer gave me when they started the garnishment. Three checks later the garnishment started up again. I called American Finance LLC and the account manager told me I owed {$3000.00} for the post interest. On the court papers it included the post interest of {$940.00}. I had her send me my account ledger and on it my paid interest is {$6800.00}. Two months shy of 2 y ears that I have been paying on this garnishment they keep every cent on interest. The pre and post interest on the court papers add up to {$2000.00} which was add to the {$6700.00} on the total due on judgment stated in the court papers. They continue to garnish my checks so the amount keeps climbing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts with no luck of having them removed. They are not my accounts. I have lived at my current address for over 10 years. I am a victim of identity fraud. I have never had a loan on my car, and/or a payday loan. One account is for electricity, but my electric bill has been under my mother-in-laws name for over 10 years. 

XXXX  XXXX XXXX {$710.00} XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX {$420.00}
Product: Credit card

On XX/XX/XXXX, I received phone notifcation from Citi credit card indicate there were 3 suspicious purchase in the amount of {$100.00}, {$100.00} and {$210.00} for purchase in total of XXXX " XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX '' on my account. I immediately replied no and contact Citi bank to report fraud purchase. I was told by Citibank that I don't need to worry further and they will take care of it. I contact the merchant " XXXX '' to report fraud purchase since the purchase was made on my XXXX account. I was told that scammer changed my account address to California. I freezed my XXXX account right away to prevent scammer to access to my account. Citi bank then offered temperary credits on my account but did not stop the purchase. The purchase went through. On XX/XX/XXXX, I received messages from citibank that they had contact XXXX and was told the purchase were made, they couldn't stop the purchase and it was verified. I continoulsy contacted Citi bank and told them I did not make those purchase and called XXXX myself. XXXX send me a email indicated they noted those transaction are fraud and they flag the transactions. I contacted Citi bank again to provide them addtional information. However, the investigation from Citi bank is taking a such unreasonable amount of time and I had not receive any update about the investigation. I have never received those products and my last contact with XXXX indicated that the tracking number provided by the seller are untrackable. XXXX do not have proof that products were delievered to my address, that means the scammer who created the fraud transaction and the seller who initiate the fraud can be the same person. I need your attention and help as my financial institution is not making any effective measure to protect my account when there was fraud on my credit card account. Citi bank case # XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a contract to have my negative account deleted off my credit reports after I paid the entire balance of the account. the part of the agreement that was supposed to be upheld by the company has not. Therefore they have breached the contract