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

On XX/XX/XXXX I made an online payment through to PayPal for my PayPal Credit account which is owned or managed by Synchrony Bank. The one time payment was made once ( 1 ), however I received two ( 2 ) charges for the withdrawal in my bank account in the amount of {$160.00} each. When I received notification from my bank that I got 2 charges I reached out by calling the number to contact for PayPal customer service XXXX XXXX. I spoke with a representative by the name of XXXX or XXXX he stated that they couldn't reverse or send the money back the same way it was paid and that the only means is by sending a check via mail which can take 7-15 days. I asked if there was anyway to expedite that being that the payment was made online, to which he stated he can only inquire to see if it was possible. I then asked to speak to a supervisor to which after waiting for a several minutes I spoke with XXXX rep ID # XXXX to which she confirmed the same thing as the first rep and stated this was the only option available for Synchrony Bank. I informed them I would be making s formal complaint about this practice.
Product: Money transfer, virtual currency, or money service

I received a Cashapp card in the mail this fall that I didnt request. I thought it was just something that auto went out, so I didn't think much of it. When I logged into my cashapp account, it said it was suspended for violating use. I have only ever used Cashapp a few times for a few dollars of transactions, so I just ignored it because I don't use it anyway. A week ago, I received two separate 1099 's in the mail for transactions under my social security number in XXXX and XXXX. Between both 1099s it was upwards of {$10000.00} combined. None of these transactions were done using my Cashapp account, I confirmed by looking on my account history. I tried to speak to Cashapp about it and they won't help me. They say they will " investigate '' but next time I speak with someone, they don't know what I am talking about, so they lie when they say they open up a case about it. The only " case '' open under my name is my account being suspended, for no reason.
Product: Checking or savings account

I was told no foreign transaction fees and no fees whatsoever with business account by XXXX XXXX XXXX. I was charged foreign transaction fees. I believe XXXX is telling people false information about checking accounts to get more customers. Account was opened XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number of XXXX XXXX XXXX XXXX
Product: Student loan

My complaint is against Coast Professional , Inc. whom is handling a collection on behalf of XXXX University whom I owe a student loan balance with. I originally contacted them on XXXX/XXXX/16 in the late afternoon and left a message at XXXX with no call back. My second call to them was on XXXX/XXXX/16 at XXXX and I spoke with a XXXX XXXX and I told him that I could afford to pay {$60.00} dollars a month starting on the XXXX of each month. Unfortunately there was a problem with my debit card, so on the XXXX of XXXX the payment was rejected by my bank and it was about a few days after that I my bank had notified me that they had n't process that automatic debit, so on XXXX I called and spoke with a XXXX at XXXX and told him that I would n't be able to do the automatic payment and to cancel it and instead I would be mailing my payments to them. I have made payments on XXXX/XXXX/16 credit card payment, XXXX/XXXX/16, XXXX/XXXX/16 and mailed another {$60.00} payment on XXXX/XXXX/16. Yet on XXXX/XXXX/16 they reported me to XXXX and I 'm wondering why they have done this since I have been paying the agreed upon amount and they have willing accepted my payments. I want that collection taken off my credit report. Also, I have never ever received a call from them nor have they bothered to send me any type of bill within the last two months as to what my current balance is at this time.
Product: Credit card or prepaid card

there was a transfer done in my account all the money was gone i cant call fraud. there is no record of my account, i have a record of my deposites and no card to put it on can you please look at this thank you
Product: Credit reporting or other personal consumer reports

Incorrect report and old credit card less XXXX never disappears
Product: Debt collection

On XX/XX/2018, I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything.They have reported delinquent information the credit bureaus that I am asking to be deleted. Also, they are trying to collect debt that does not have my name attached to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, as far as I can tell, was a part of the Equifax credit information hack. Now, due to mishandling of my information by the credit reporting agencies, I must pay the credit reporting agencies to freeze my credit. This has many issues : First, due to current demand it is difficult/impossible to get through to be able to do this. Second, it is unconscionable that some of these companies are taking advantage of the situation and attempting to trick users into signing up for paid credit protection services when the user attempts to freeze their credit. Finally, it is ridiculous that I must pay these companies to protect my information that I never consented to them collecting in the first place. Paying Equifax to freeze my credit is simply rewarding them for their careless handling of my information. Protections such as credit freeze should be federally free to perform, otherwise it seems to amount to racketeering ( " That 's sure a nice identity you got there ... sure would be a shame if something happened to it. '' )
Product: Credit reporting or other personal consumer reports

Transunion smart move is reporting a negative collection from XXXX XXXX that doesnt belong to me. I dont know XXXX XXXX nor do I have any contract with this agency. This is a clear violation of FCRA guidelines.
Product: Checking or savings account

Claim # XXXX Claim # XXXX On XX/XX/2023, I discovered an unauthorized charge for {$2700.00} at XXXX XXXX XXXX and Chime credit builder accounts. Immediately, I notified Chime about the unauthorized charge and emphasized that I did not make it. However, to my dismay, Chime has consistently rejected my claim without providing any evidence from the merchant involved. 

The magnitude of this situation can not be understated. My card number and personal information were stolen, leading to me becoming a victim of identity theft. This incident has profoundly impacted my life, causing financial turmoil and immense emotional distress. 

Despite my efforts, Chime has demonstrated negligence in handling this matter. I promptly reported an authorized transaction on XX/XX/2023, and I contacted Chime 's dispute department to inform them about it. Shockingly, even in XXXX, Chime allowed my card to be used for an unauthorized transaction of {$2600.00} and {$220.00} on XX/XX/2023, despite my explicit communication that it was not authorized, and my account did not have sufficient funds. 

The consequences of Chime 's refusal to address this issue have been severe. This situation has left me struggling to meet basic needs for myself and my children. I rely on Chime to protect me from fraudulent activity, and their failure to do so has caused significant disruptions in my daily life and financial stability. 

It is imperative that Chime takes immediate action to rectify this situation, provide the necessary documentation from the merchant, and compensate me for the financial damages I have endured. I deserve to feel safe and secure in my financial transactions, and I urge Chime to prioritize the well-being of their customers by resolving this matter swiftly.
Product: Credit card

Purchases were made at multiple merchants which were expected to qualify under promotional rewards earn. Promotional bonus was not applied. Contacted via online message. No resolution. Contacted by phone. No resolution. Closed account due to " gotcha '' marketing and refusal to honor offer. 
Marketing copy lists " Home Depot '' and " XXXX and XXXX Stores ''. Any reasonable person connects the XXXX, and associates Home Depot as a XXXX and XXXX ' store. Even in the disclosure below nothing indicates those XXXX should not be associated. I prefer shopping at other 'home and garden ' shops -- -XXXX and XXXX XXXX . A simple google search yields that these all offer comparable products and services. There is no reason to believe any of these would be treated differently. 
Ultimately I missed out on bonus rewards for {$480.00} worth of transactions, or {$24.00} worth of rewards. 
Marketing copy is deceptive and disclosures are inconsistent and unclear. XXXX refused to acknowledge or rectify this on the XXXX customer that called them out. If I had put other transactions on the card, it is unlikely I would have even noticed this. That is not an acceptable way to treat consumers. If they are not willing to honor the promotion, they should not have it out there to begin with. There is likely a reason why they no longer offer this product -- -clearly this category bonus scam has caused similar frustration from other customers. 
Attached documentation supports and validates all information claimed above.
Product: Credit reporting or other personal consumer reports

I've reached out to Experian regarding updating my address to reflect my current address accurately. The address was once updated to my current address but now it's showing an address I no longer reside at. This information as been reported to my creditors. However, Experian will not update my address to reflect accurately.
Product: Bank account or service

RushCard sent out a message that they were updating their systems 2 weeks ago. I am currently unemployed and have to count on my unemployment to pay bills and feed my family.. I have called from XXXX XXXX/XXXX/15 and was hung up on XXXX times ... I was told on my XXXX call to go to the ATM for my online access is currently showing suspended and when I call to check my card it states : " Your card is not activated ''. I tried the ATM to no avail and called a XXXX time and the rep. stated that there is nothing they can do for the 33 % of customers that can not access their money ... I think that this is unfair when you expect to get your fees!!! We as consumers are ; being told to sit and wait on a text as to when you can access your funds no expected date can be given ... I will not continue to use Rush and will advise all of America not to use them ... ... This is Robbery!!!! We need HELP NOW!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX that was fraudulently opened in my name due to identity theft. 

* Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : XXXX. A copy of my government-issued ID. 
XXXX. A copy of a recent utility bill ( to verify my address ). 
XXXX. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ]. 
Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


Sincerely, XXXX XXXX
Product: Student loan

I am on hold with Mohela again for the XXXX time right now. Each time I call the hold is at least 45 minutes. When I finally get to speak to a representative, I am told that my application for the extended graduated program was received and approved, and my payment amount will be {$200.00}. Then I receive a bill for over {$470.00}. I call, they " research '', I'm told the {$200.00} number again, loan is deferred while the " fix '' the issue -- -then next month I get a bill for {$470.00} again. I've repeated this process over and over again with the same result. I would really appreciate some help with this problem because I can not get any resolution from Mohela.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXX XXXX  XXXX # XXXX DATE OPENED : XX/XX/year> BALANCE : {$2600.00}
Product: Credit reporting

I sent a dispute letter to XXXX asking them to provide proof about inaccurate information on my report and asked them to verify and provide proof that these accounts are accurate and belong to me and the only thing I got back was verified. They stated they verified my accounts including a bankrutcy but when I requested the source of the verification, they ignored me. They are in direct violation of the FCRA they says they are to provide non-third party proof or delete. So XXXX lied in a legal document to me and violated the FCRA and I want all my disputed items deleted and updated at once! 
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Product: Credit reporting or other personal consumer reports

XXXX # XXXX inaccuracies reporting. Past due reported inaccurate, differently. I the 3 beuros. Equifax, XXXX. & XXXX
Product: Credit card

We were on a cruise to XXXX and made many purchases using this card. However, in XXXX store they offered to make us a 'deal ' on an item, offering it to us for {$100.00}. However, when checking out they said they could only charge in XXXX and charged the card XXXX  XXXX. After asking them several questions about this, they said it would be converted to {$100.00} because they offered a rate of XXXX XXXX  for {$100.00}. However, when the bill came in we were charged {$110.00} which I think was the currency conversion rate. The store had said they would convert it. So, yes we were apparently swindled but I thought the card offered a fraud policy. After contacting them they said we were charge the correct amount and without a receipt that said {$100.00}, which they did not give us, they would not refund this money. My complaint is that it was fraud and deception on the part of the store owner so this should be covered according to what they advertise : Use your card with confidence Count on Barclays ' {$0.00} Fraud Liability protection. 

With our fraud liability coverage, you aren't responsible for unauthorized purchases made with your card that you report to us. It doesn't matter if your card is lost, stolen or breached - online or offline - you're protected.

Call it " business as usual '' : Shop with confidence Use your card to make purchases anywhere in the world.

Report unauthorized transactions immediately Keep an eye on your monthly statements and be sure to tell us right away if you spot any unusual account activity. Simply call the number on the back of your card.

Get resolution fast If you let us know about an unauthorized transaction, we'll investigate it and correct the issue as quickly as possible.

So, rest easy knowing that we've got you covered.
Product: Debt collection

SPOTLOAN HIRED XXXX TO CALL US AT WORK, CELL, FAMILY MEMBERS, ( ATTACHED FIND LIST OF PHONES CALLED ), IN VIOLATION OF TDCPA, TCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXXXXXX XXXX opened in my name. XXXX even banked with any bank but XXXX XXXX and XXXX  XXXX XXXX! Address that was used was my grandmothers address and I know its not mines because my grandmother passed away years before the closure date, the home was sold to someone else back in XXXX. I havent lived at XXXX XXXX XXXX XXXX VaXXXX XXXX since the age of XXXX and I am XXXX years old today. The closure of the account status date was XX/XX/XXXX. Charge off amount is {$590.00}. I would like this information removed because I didnt open account of added or remove funds, I am not responsible for this amount at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX Account number : XXXX Account type : Secured Loan Date opened : XX/XX/XXXX Status : Account charged off. {$700.00} written off. {$350.00} past due as of XX/XX/XXXX. 

XXXX updated : XX/XX/XXXX Balance : {$400.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Vehicle loan or lease

Between XXXX and XXXX we made payments to Safco in an amount totaling {$2300.00}. Safco has acknowledged that they are not entitled to these payments since these payments were made after the loan was transferred to another financial institution. 

Further, Safco has indicated on multiple occasions that they are processing a refund to return the above amount. However, it has been well over a month and we are yet to receive any repayment. Please help us resolve this matter quickly. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. 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 deletion due to inaccurate reporting in my file. 
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 or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

usbk court middle florida all inquires that is listed on my credit report
Product: Checking or savings account

On XX/XX/2020, my checking account PIN was somehow compromised and an unauthorized ATM withdrawal was made at Chase Bank branch in XXXX, New York in the amount of {$500.00}. The claims department of the bank says that because my PIN was used, to them it is an authorized transaction and refuses to replace my funds. I was never at this said branch on the date mentioned and in no way made this transaction. Have already filed police report on this and now trying for success with this method.
Product: Payday loan, title loan, or personal loan

Today XX/XX/2023, I called the lender to refinance and ask for assistance since my employer has stopped paying me. While my attorneys are working with my employer, XXXXXXXX XXXX  to reinstate my pay, I indicated to the lender that I have been a loyal customer for 5 years and asked them to hold off any future payments or refinance, especially since the current loan I have with them has an 18.5 % interest rate and I paid a {$2000.00} fee plus similar for another loan. With the status of the economy and layoffs, I asked for sympathy and compassion. They have been wonderful to me in the past and very helpful. Today, I experienced pure hate and immediate dismissal from their customer service, refinance & credit departments. I indicated that I may have to default if my wages do not get reinstated. I also indicated that I was going to report them to your Agency. They laughed and hang up on me. Zero compassion. No assistance. After almost {$20000.00} in fees and more hothouse payments, total hostility and zero empathy.