23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

-On XXXX XX/XX/2024, I paid off the balance of my student loans ( {$5100.00} ) via Mohela/ePayment XXXX I received a payment confirmation email from Mohela with a confirmation number ( XXXX ) -On XXXX XX/XX/2024, {$5100.00} was withdrawn from my checking account reflecting the XXXX XX/XX/2024 payment ( XXXX XXXX XXXX XXXX XXXX ) -As of XXXX XX/XX/2024, my Mohela account still reflects a balance of {$5100.00}. There is no record of the payment in my account history. 
-I have called Mohela and spoken with customer service three times from XXXX XX/XX/2024 and was told that the payment is in the system, will be processed and the accrued interest will be cleared. However, I have not been given a date to expect this to take place by nor an explanation on why this can not be processed sooner. 
-I have continued to receive emails stating I have a payment due. 
-The payoff of this loan has not been reflected on my credit report. 
-I am getting impatient with the delay in processing the payment. I successfully paid off my student loans in full and almost three months later the payment is not reflected due to a delay of unknown reason in processing by Mohela. 
-I have documentation to support all dates, amounts, and statements.
Product: Prepaid card

Initial Edd card stolen and new account established. Dispute in my favor check sent out instead of card to card transfer. It's been several weeks as of today still no resolution. I've spent over 4 months and extreme amount of phone calls to nonavailability.
Product: Credit reporting, credit repair services, or other personal consumer reports

the agency must notify the consumer of the debts delinquent status through a demand letter or dunning notice. Please Send documentation of charges or written proof of purchase, XXXX XXXX XXXX fees monthly after statement date
Product: Checking or savings account

The following are the transactions that Im disputing with their respective dates and amounts : XX/XX/2018 in the amount of {$550.00}, XX/XX/2018 in the amount of {$500.00} and XX/XX/2018 in the amount of {$500.00}. 

These transactions were initiated through XXXX. They were unauthorized and done through my cash app login without my permission on the part of the person that I was living with at the time. I have since moved out of the house and have tried to recover that money both by contacting the individual and also my bank but Wells Fargo essentially told me that there was nothing that they could do no matter what and left it at that.
Product: Debt collection

I have as well as, XXXX, XXXX and XXXX has contacted Bull City Financial over 20 times since XX/XX/2018 about a account for {$510.00} that is not mine. I have never had an account with this company, nor have I had one with XXXX XXXX. On XX/XX/2018 I also filed disputes with the 3 credit bureaus. On XX/XX/2018, XXXX completed its investigation and found out that it was not mine and they removed it form my credit report. I called them back with this information and they continue to say it is mine after they admitted to XXXX that it isn't mine. But they still refuse to remove this false account from my XXXX and XXXX XXXX reports. This account has been proven to not be mine as well as fraudulent. I'm escalating this complaint because when I call them they are really rude wouldn't let me speak to a supervisor, who they blind transferred me to and went straight to a no name voicemail. Can you please help me with this? I have uploaded a screen shot of the notification from XXXX showing that it was removed by them, Please help me.
Product: Credit reporting or other personal consumer reports

This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.

I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Debt collection

I was never told I owed a debt directly from XXXX XXXX and was under the impression for how it was billed out I would get a refund for my deposit and would clear out what I owed from the XXXX XXXX XXXX XXXX XXXX at on XXXX XXXXXXXX XXXX XXXX XXXX Missouri. That was not the case and I moved and never received any statements. I checked my credit report in summer XXXX and found out about it. I paid XXXXXXXX XXXX directly and yet I have a collection showing paid through XXXX XXXX XXXX. When I talked to evergy they said the would recall the debt and the collections would be removed completely. 

That is not the case and I have been trying to dispute this with Equifax. They have not helped me once and keep on investigating it but now have marked it paid? I was told twice by XXXX and they gavec me a letter I have since forwarded to Equifax and disputed and no updates have occured. XXXX XXXX will not talk to me without saying I am not trying to dispute which is what I have been trying to do, and XXXX has my account at XXXX balance. XXXX and Equifax are holding me up from getting a home loan and damaging my credit. Goverment I am asking you to please investigate Equifax and XXXX XXXX for their ilegal practices and not making things right!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I received a Lexis nexis credit report of which it was quite detailed although I noticed a misspelling in my name under SECTION 7 :  BANKRUPTCY RECORDS on page 101 I disputed this information in XX/XX/2020 and Lexis nexis sent a letter in XX/XX/2020 stating it was not mispelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting months, after reporting fraudulent accounts on my consumer report to Experian, to have this information blocked and investigation properly. I have sent everything that was required by me, I have sent federal trade commission identity report, showing that I have reported to authorities that my information been compromised and used to open unauthorized fraud accounts. Ive also sent In police report documents to follow up with the dispute. Experian has yet to follow the fair credit reporting act to remove or block this information after I provided authority reports and my proof of my identification. I have suffered do this to this situation and explained to them that I am depending on experian to properly investigate and remove items.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please consider this as my refilling complaint to the EXPERIAN for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, with the identity theft report number XXXX.They allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Debt collection

I recently review a copy of my credit/consumer report. I noticed fraudulent account on my report. 

Please remove account from my report they're hurting my agility to obtain credit. 

I'm a victim of multiple data breaches that has result in my information being used without my knowledge. 

I ask for a re-investigation of this item. 

Also, sources the company used to collect this false inaccurate information. 

Under the fair credit act - 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602A ), 15 USC 1681c ( a ) ( 5 ) Please remove/delete this item with all reporting agencies. 

If the items are not deleted/removed. 

I will submitted a request to the " XXXX XXXX XXXX XXXX  and Federal Trade Commission ''.
Product: Checking or savings account

For the past two years Wells Fargo has been debiting my XXXX  account on and off. In doing this, payment was being made from my XXXX  checking account to a Wells Fargo  XXXX XXXX XXXX credit card. This has been happening for months at a time, with only a few lapses in months in between. They have been doing this without my knowledge or authorization. I am in no way associated with Wells Fargo or the furniture store the credit card is for. 

These are the following charges I can account for : XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : XXXX This totals {$5000.00}. There may be more charges prior to XX/XX/XXXX but I was not able to check as that bank account has been closed and was not able to request statements dating that far back. These transactions were never authorized nor was I ever aware they were being made. I have no affiliations with Wells Fargo or the person whos Wells Fargo account it is. I have never banked with Wells Fargo either. 

The person who owns the Wells Fargo credit card is aware of all of this. Wells Fargo was also made aware of all of this. They stated they would return all the payments that were made using my checking account but they have yet to do so. I have been fighting this battle since XX/XX/XXXX. 

The craziest part is that they are still trying to debit my now closed account. They are still trying to charge and process payment for the WF credit card even though they are aware of this situation and that bank account is closed.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I placed an order online for {$580.00} for three items from XXXX using PayPals XXXX service. This meant that I paid for the purchase in XXXX installments of {$140.00} each : on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The items were delivered on XX/XX/XXXX and returned in-person to a XXXX showroom on XX/XX/XXXX, which was within the allowed return window. I received a handwritten receipt for the return at that time. 

However, a month later, I still had not received the refund due in the amount of {$360.00}. So I raised a dispute directly with the credit card used for the transactions, a XXXX from XXXX XXXXXXXX XXXX, administered by XXXX XXXX XXXX : claim ID # XXXX. As part of this claim process, XXXX received a letter dated XX/XX/XXXX from PayPal stating that my claim was accepted. As a result, XXXX also accepted my claim and charged back and refunded the appropriate amounts. I have now been refunded in full. As you can see from the screenshots, PayPal also opened cases and closed them in my favor, in parallel with this process. Those case numbers are : XXXX XXXX XXXX, and XXXX. 

Unfortunately, since then, I can still see on the homepage of my online PayPal account that PayPal has this XXXX plan incorrectly listed as in arrears, with immediate payment due. I also applied for a PayPal credit line on XX/XX/XXXX and was denied due to this error still being listed incorrectly on my account. My credit score is near XXXX and I have never before had any issues with any accounts whatsoever. The denial letter that came from XXXXXXXX XXXX  caused me to think that a negative report had been made to the credit bureaus. Thankfully, I have been unable to find any such negative account listed. I fear PayPal may yet report something that will hurt my credit in the future, though. I now believe that the issue is internally within PayPal and that the reason for the denial is the incorrect listing of this one installment plan. 

I have also tried several times recently to obtain new PayPal Pay-in-4 plans and been denied by PayPal. 

I have called PayPal at least five times trying to bring this ongoing issue to PayPals attention, but no one seems to understand it or has done anything to correct it. I have talked to multiple departments. Both PayPal and I now possess a recording of a recent call on XX/XX/XXXX, in which the representative verbally acknowledged that my claim had been decided in my favor and that PayPal had accepted the claim. Yet, I am completely unable to use Pay-in-4 at this time or to obtain any credit from PayPal Credit due to PayPals continuing listing this matter on my account as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent.

XXXX XXXX XXXXis reporting I owe a debt of {$810.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature
Product: Checking or savings account

Open an account on the Chase Bank at XXXX RI XXXX XXXX branch. Deposit XXXX, receive my ATM card 7 days after opening but when I tried to use it on ATM stations it gives me a Restricted funds message. I received a SS number verification form that was submitted through a Bank official on XXXX XXXX of XXXX however the funds have not been unrestricted. I don't have access to buy, retire money from my account in an ATM machine or make withdrawals in the Bank branch. I have not been able to solve this situation either by phone or in person at the bank. It has been 12 days now since I made my deposit and funds are still not available
Product: Credit reporting or other personal consumer reports

There is a fraudulent account which opened by unauthorized unknown person several years ago. I've tried to contact XXXX XXXX XXXX and credit bureau agencies to remove from my credit report. However it did not work that way. 
I was so frustrated because even though I paid {$XXXX} of balance to resolve this matter it still appears on my credit file. This is clearly a identity theft crimes and I hope this will work for me.
Product: Debt collection

Over the 18 months I have made multiple calls and mailed registered letters to companies that have had accounts opened in my name by someone other than myself. Most recently XXXX XXXX allowed an unknown individual or individuals to open two separate accounts, in two different states using information most likely gathered from a home burglary in XXXX where my drivers license, social security card and passport were taken. I am now in collections for both accounts. I spoke with XXXX XXXX in XXXX of XXXX letting them know that neither of the accounts was mine. In XXXX of XXXX the two collection accounts showed up on my credit report. One, XXXX  XXXX   XXXX  in XXXX Minnesota and the other Waypoint Resources Group in XXXX XXXX Texas are both attempting to collect a fraudulent debt. In XXXX, all three collections agencies, XXXX  XXXX   XXXX  and Waypoint Resources Group were sent letters disputing the accounts. Both signed for the registered letters however have made no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 1022.41Regulation V. 

I noticed XX/XX/2021 The accuracy and integrity of the following information on my consumer credit report is showing to be very inaccurate on credit report agencies Transunion, XXXX, and XXXX on the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Is Transunion, XXXX, and XXXX in compliance with the CFPB? 

What are their policies and procedures on accurate and integrity?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX credit card, issued by XXXX Bank. However, the same account is showing up twice on my credit report, effecting my overall utilization. I reached out to XXXX customer service, but they said, they can not correct the error that I need to dispute it.
Product: Mortgage

Freedom Mortgage has harassed us for months about non required flood insurance. Our property was rerated and THEY sent us a letter stating so yet they have no record. THEY called the company who verifies flood information and sent us the letter included. Thought this was a done issue, but Freedom has no clue what they doing. Tired of the threats of putting forced coverage which would be against FEMA regulation.
Product: Debt collection

I have been trying to ask for a verification the a debt they claimed I owe for {$9700.00}. This company never even bother to respond to me even when I sent them a letter that they received on XX/XX/21 with tracking number XXXX! I have been sending them a mail and according to my research online they need to respond and validate the debt. In addition to this, the amount of the debt shows in my credit report are not consistent. Why are they doing this? Where are those amount coming from? The balance reported when they first put in in my report is different from what is currently reporting. Please help me with this matter
Product: Credit reporting or other personal consumer reports

I've received a copy of my credit report on XX/XX/year> and to my surprised I notice that XXXX XXXX card has been added back. I disputed the inaccuracy of this account before on XX/XX/XXXX and it was removed from Experian for fraudulent opening and identity theft so I'm confused as to why this item has popped back up on my report. I contacted this company and this is a business account not personal and after speaking with XXXX I was given a email because the address they have on file is no longer used. They don't have a actual address because this company was brought by capital on tap ( the reporting Furnisher ) and the only method of contact is by phone XXXX and email to dispute is XXXX. So again how is this account being verified and reinserted when it is clearly fraud and I was incarcerated at the time.Under the FCRA, an item can not be reinserted into my credit report without written notice by a credit bureau to the me within 5 business days of the reinsertion. I've received no such letter and would like for this item to be deleted again as this is a violation of my rights.

Upon deleting this account pease send me an updated copy of my credit report to the address above.
Product: Mortgage

Lakeview Loan Servicing and XXXX XXXX have mishandled and misappropriated funds in my escrow account. On XX/XX/year>, I purchased a homeowner 's insurance policy through XXXX XXXX for {$2300.00}. I cancelled the policy around XX/XX/year> and I was refunded. On XX/XX/year>, I noticed my mortgage payment increased over {$400.00} without notification from XXXX XXXX. I was never, ever informed that my escrow had a shortage at any point in time. Any changes made to my online account WERE NEVER SENT TO ME VIA MAIL NOR PHONE NOR EMAIL CORRESPONDENSE. They have been making changes to my account WITHOUT NOTIFICATION. And they CAN NOT PROVE AND CAN NOT SHOW TO ME HOW MY ESCROW ACCOUNT GOT NEGATIVE TO THE TUNE OF {$3300.00}. THEY REFUSE TO PROVE TO ME THAT THEY APPLIED THE REFUND OF {$2300.00} TO MY ESCROW ACCOUNT. I was on the phone with their insurance department, they COULD NOT BREAK DOWN THE NUMBERS TO PROVE TO ME HOW MY ESCROW WAS SHORT. I was transferred to someone else in the XXXX XXXX department and SHE COULD NOT BREAK DOWN THE NUMBERS TO MATHEMATICALLY PROVE HOW MY ESCROW WAS SHORT. SHE COULD NOT ACCOUNT FOR THE REFUND OF {$2300.00}. The woman HUNG UP ON ME. I believe XXXX XXXX has stolen or misappropriated funds in my escrow account, which is resulting in such a high shortage. The last agent I spoke with sent me a transaction history, and IT SHOWS XXXX XXXX DEDUCTING THE {$2300.00}, RETURNING IT TO THE MY ESCROW ACCOUNT IN THE FORM OF A DEPOSIT, AND THEN IMMEDIATELY DEDUCTING IT AGAIN. They are misappropriating my funds.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I was informed that the collection account on XXXX was deleted and removed off my credit report. The debt collection company was revenue enterprises. I had never received anything from them in the mail, last thing I have ever received was from original owner, XXXX XXXX XXXX just stating a owed amount that my insurance covered. I didnt even know I had a collection account until checking XXXX  XXXX. One i  saw it & disputed it because it wasnt accurate. After receiving confirmation of the account being deleted off my credit report due to inaccurate information I figured that I didnt have to do anything more. It was removed from XXXX  as well. On XX/XX/2019 I got an email from XXXX XXXX  stating a new account was opened from revenue enterprises, also received an email stating the same thing from XXXX  XXXX, & XXXX  XXXX. I got into XXXX  to look at everything since I pay for premium. I noticed I had notifications. The notifications show on XX/XX/2019 revenue enterprises reported a new opened account and for a higher amount than it originally was. It now show it was XXXX instead of XXXX. Then it says on XX/XX/2019 that revenue enterprises flagged my account on XXXX  as unpaid and the amount is XXXX. 
Then on XX/XX/2019 another notifications I seen on XXXX says revenue flagged my account as collections on XXXX  and the amount is XXXX. When I call revenue enterprises they say they never received an disputes and that its been reporting since they bought the debt. That I have to contact the Credit bureaus and ask them and that I never received any notifications of the account because my address wasnt correct. I have updated my address with post office and all my mail has been forwarded to my new address I have received everything else but nothing from them. I called XXXX  they told me they cant do anything that i need to contact revenue enterprises.