23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Ace cash express sent me email correspondence stating my payment would be withdrawn from my account on XXXX/XXXX/15. On XXXX/XXXX/2015 I received an email confirmation stating my payment was withdrawn from my account, causing my account to overdraft. When I filled out my application I advised the dates I get paid through my employer. I have sent Ace an email expressing their error and demanding a refund of the payment, plus fees associated with the overdraft. This company advertises that they are there to help those in need when in fact, they have cause me personally more financial stress.
Product: Vehicle loan or lease

In XXXX of 2020 I purchased a used RV from a private party who had it financed through Bank of America. To date I have been unable to register and use it because Bank of America will not release the title to my financial institution despite acknowledging that it has been paid off and they no longer hold any interest in it. Bank of America will not communicate to me about this because I was not their customer. They wont communicate with the seller because their account has been paid off and closed. They have been contacted numerous times by my bank who paid off their lien and still will not release the title. I have confirmed with the California Department of Motor Vehicles that Bank of America does still hold the title at this time. 

The VIN # of the vehivle is XXXX
Product: Payday loan, title loan, or personal loan

First of all Ive tried multiple times to contact PayPal by phone and online. All attempts are without success because everything is automated. I cant talk to a live person employee. Im having trouble with income because of the pandemic and loss of business and income. 

Over the Past three months Ive been charged interest fees on XX/XX/XXXX for {$9.00}. XX/XX/XXXX interest charge {$30.00}. XX/XX/XXXX {$40.00}. XX/XX/XXXX {$9.00}. XX/XX/XXXX interest charge {$30.00}. XX/XX/XXXX {$40.00}. XX/XX/XXXX {$9.00}. XX/XX/XXXX {$32.00} interest charge. XX/XX/XXXX {$40.00} late fee. 

They lower my credit limit without warning and charge me an excess amount of fees again for being over the credit limit. Again I call and call customer service. Either waiting for XXXX minutes without answer or agent answers and hangs up on another attempt to reach customer service. 

Im getting completely buried financially by this company. I have no means or options to get help, or any type of assistance. I dont know how a business can operate with no regards or options for myself the consumer. Now Im faced with {$300.00} minimum payment requirements and Im trying to catch up financially after a long finically income drop off with the pandemic rules and regulations. 

If I cant get ahold of anyone at PayPal, I cant explain my situation, I cant work on a solution to recover from this type of fees, late charges and penalties. Im not seeing my 100 % on time payment record on my credit report being ruined now because of their late payments they reported. I feel like no customer should ever be exploited like this in America by and company. I need help. I need protection from this companys exploitation and unfair reckless behavior. This could have been avoided if communication was made. Setting up payment arrangements or reduced minimum payments or recommendations on a resolution.

Ive been completely left in the dark, Im getting charged with fees that Im not even able to understand. I can not ask PayPal. Instead of any type of communication Im being threatened with emails and statements that I cant respond or ask questions about.
Product: Credit card

Synchrony bank charges late fee on due date. I send payments to all my bills XXXX or XXXX each XXXX. They send an email stating the entire balance is due and also they show almost double the amount due as payment on an email but when I get the mailed statement its nearly half less. Theyve lowered my credit limit based on my credit score which has been around XXXX ( up and down ) from that. I believe the fees added on the due date are not legit. Also theyll call saying they dont have my check around the due date and 2 times now Ive given them my atm number, they post the payment and then post the check they claim to not have
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a purchase for the amount of {$550.00} at a merchant where Venmo is an accepted payment method. I made the purchase using the Venmo app using my Venmo balance as the payment method. I had a balance of {$590.00} in my Venmo account at the time. 

Rather than using my Venmo balance, Venmo instead charged the full amount to my bank account without authorization. My Venmo balance remains at {$590.00}, but they will not reverse the charge to my bank account and apply the Venmo balance instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the XXXX XXXX on my three credit bureau reports. The inaccurate information remains after each dispute. The FCRA requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to bee inaccurate or that the furnisher has reasonable cause to believe is inaccurate. XXXX XXXX and XXXX XXXX   and Transunion are all KNOWINGLY furnishing and reporting inaccurate information on my consumer credit files. I have repeatedly disputed this inaccurate information and have also filed a previous consumer financial protection bureau claim. This inaccurate account is still reporting inaccurately on my credit reports. I hereby ask the consumer financial protection bureau have this account removed from my credit report per it is stopping me from getting insurance, affecting my credit score and my life in a dramatically negative way. It is also affecting me mentally and physically. If the three credit bureaus and XXXX XXXX continue to report this account that is showing charged off and late payments after the charge off as an open account I will have no other recourse but to contact my attorney general and file legal action.
Product: Debt collection

I keep receiving calls from AR Resources about a Medical debt and shows in my credit for {$340.00}. I 'm not aware of this debt and need more information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My Bankruptcy included my home in XXXX WI that is now serviced by XXXX. My Bankruptcy was discharged in 2015 and has always shown as discharged under bankruptcy however they are now reporting that I owe and the account it open showing amount due, days late etc. I never reaffirmed the loan and under the Fair Credit Reporting Act they are falsely reporting and this is a legal liability on XXXXXXXX XXXX part. I appreciate your assistance as this is causing a serious issue for me with my credit that I have worked so hard to rebuild since the losses of divorce and bankruptcy. I was on hold with XXXX over two hours and they did not take my call.
Product: Credit card or prepaid card

Citibank is charging me {$590.00} for a service that was cancelled prior to the event.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is displaying an incorrect home address ( XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX ) on my credit file, but will not allow me to dispute it. I have never lived at this address as it is a business address. This location does not even have residences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the indebtness in its original form which it basically a consumer contract with my name signed on that contract. I also asked for information used to verify their dispute which includes the creditor, the person that verified the information with them, the address and the telephone number in order to receive and know how this verified inaccurate account was produced in my credit account. They have failed in numerous account to do so. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 asking them to send the original consumer contract with my name signed on it to verify this inaccurate unverified account however each time they have neglected to provide me with the information requested. Not only have I asked them to show proof of this unverified account and I have asked to have this deleted immediately according to the FCRA rights I have. They removed the account from my report but then stated on XX/XX/2019 my balanced increased. The name of the creditor US Department of Education/XXXX partial account number XXXX.
Product: Checking or savings account

Capital one was very unethical in a disputed transaction. My phone was stolen, email was hacked, charges were put on my card with my information stored in my phone. I disputed the charges and was told it would be resolved in 90 days. They barely investigated. They took the word of the fraudulent company over the consumer who was completely ruined by the situation. My accounts have been overdrawn bills have been late. My credit is ruined. They lacked any sense of urgency other than to deny the dispute. The transactions were not that of mine and all of my money was wiped out. They have been the worst bank I have ever had. Putting outrageous holds on all checks deposited and causing financial strife at every turn.
Product: Credit card or prepaid card

I received an email that my Care Credit account was closed. The account had a XXXX balance and has been in good standing for over 3 years ( always paid early & never missed or was late on a payment ). While 5rying to dispute, company hung up on me and threatened to close my other Syncrony accounts that are also in good standing.
Product: Bank account or service

I opened an account with Simple, which used Compass Bank as the bank partner. On XXXX XXXX, a garnishment was placed on the account, and the account was locked. On XXXX XXXX, a deposit was denied due to the locked account. In second attempt, on XXXX XXXX, that deposit was allowed. Now the deposit is being held by the bank. This money is not supposed to be in the account in the first place. Simple refuses to release that money. If the account is locked, how can a deposit be accepted? 

Simple refuses to help and refuses to admit their error. My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX  - XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have be in touch with Experian consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Experian numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question. Experian has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Experian has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed accounts do not belong to me : XXXX XXXX XXXX. Open date XX/XX/2023. XXXX {$23000.00} XXXX. Open date XX/XX/2023. XXXX {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to have this incorrect reporting resolved for the past several months with no resolution it is still reporting inaccurately. This account has been reaged and is a violation. please delete this immediately.I have attached a copy of my credit report as proof Transunion is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX XXXX is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX XXXX is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX As you can see this account XXXX XXXX XXXX has been re-aged in is a violation please delete this from my report now
Product: Student loan

I XXXX XXXX currently have student loans that is on Income Based Repayment Plan Status. I was approved on XX/XX/XXXX. Today on XX/XX/XXXX, I contacted Nelnet XXXX XXXX who service my loans to update my email on my account. The customer service worker asked very appropriate personal questions not relating to updating my email on my account, but rather relating to my race and XXXX! The employee tried to force me to tell her I had taxable income when I do not. She also wanted to ask additional information and send me a private link. I informed her I sent all required documents in XX/XX/XXXX and was approved for Income Base Repayment Plan. And there was nothing else I have to report about my private life and what does my nationality was. I reported to her what I reported was truthfully and had nothing to hide. I also stated to her why was my race important, on the IBR application never asked me what race I was, and what does the XXXX of my skin has to do with my email account. Then the employee stated to me, " oh I made mistake on your loans and they are actually due in XXXX and that I was approved for Income Based Repayment Plan in XX/XX/XXXX a month ago. Then the employee insisted to I tell her about my taxable income. Finally I requested a supervisor. He told me his name was XXXX. I didn't believe him that his name was XXXX. He told me that I was approved for Income Based Repayment Plan but he wanted to know if I had any taxable income. I informed employee Purple, I sent in all my social security XXXX paperwork Benefit Verification Letter from Social Security Administration. Then XXXX stated to me the information I tell him would be just between me and him and it was totally between me and him. I repeated what I stated to the other employee earlier that I sent all the required documents with the IBR Plan application and XXXX award Social Security Benefit Verification Letter from Social Security Administration Office. Then XXXX told me, " I know you get more money than that. I am sure you get some kind of taxable income! I told him I do not get any taxable income. I receive social security XXXX payments in which I sent with IBR Plan application in Certified mail in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I have so many times before has disputed this account with World Finance. World finance is lying and continuously reporting accurate information to all 3 credit bureaus. I have disputed with all 3 credit bureaus as well.
My last complaint world finance 3rd paragraph ( 3rd loan # XXXX ) was opened on XX/XX/XXXX. WF say my 1st payment was due XX/XX/XXXX and NO PAYMENT WAS MADE!! I On my credit reports world finance its showing I did pay XX/XX/XXXX & XX/XX/XXXX ( I have uploaded the credit reports ) and paid on time. THIS IS PROOF that WF IS LYING AND STEADY REPORTING INACCURATE and UNVERIFIABLE INFORMATION. 
I have sent certified letter, visit and called in person the branch in XXXX which I open the account and asked the manager to please let me have a copy of my pay history and contract, the branch did n't have it and said they going to have home office to mail it to me, that been over 3 months ago. I also call the corporate office and left several messages. I spoke to XXXX XXXX today ( XX/XX/XXXX ) at XXXX she said she do n't have any records I have to get them from branch office. I asked XXXX XXXX if they do n't have records at corporate office how are they replying to CFPB and the credit bureaus. She said by the computer. XXXX XXXX called the branch office and spoke with XXXX. XXXX XXXX told me to go to branch office tomorrow and she have my documents. XXXX XXXX said the only reason they would n't have it if the account was sold and I told her the account was not sold it reporting to credit bureaus. I told her the account that was sold to XXXX XXXX was deleted from my credit report because XXXX XXXX could n't verify or send me any supporting documents just as World Finance can not but steady reporting negatively to credit bureau. 
As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. If this account is not removed from all three credit reports IMMEDIATELY I WILL SUE under the FCRA!!!!!
Product: Debt collection

On XXXX XXXX, 2017, I sent a HIPAA validation letter to Receivable Recovery to validate a debt that they alleged I owed for XXXX XXXX. I asked them to provide proof of the debt and validation of my signature giving this provider permission to release my medical information to them. They in turn responding with a generic " patient ledger '' that included my daughter 's name, some charges, and procedure codes ( HIPAA violation ). This is not validation, as they could not provide proof of my  signature giving the provider permission to release my personal protected health information to them. I sent a second certified letter on X/XX/2017 requesting proof of my signature and that if they could not provide me with this validation that they would need to stop reporting this debt to all three credit bureaus. My second letter advised that they had 15 days to respond from the date of receipt of my letter, which they did not. I sent this letter certified and I have attached proof of both letters and a screenshot showing where the second letter was received on X/XX/2017. They still have yet to respond my second letter, which proves they do not have adequate proof to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The County Recorder of Bankruptcy courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder U.S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public records entries on my credit report, neither will they ever be by them, They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are report by third party sources  unawares to the consumer, and in most cases, incorrectly. Considering the information currently showing under my social security number to be PERMANEMTLY DELETED from my credit report immediately.
Product: Credit card or prepaid card

I paid off a expiring promotional balance transfer on a Citi Simplicity Card and took out another promtional balance transfer. Citi Bank charged me {$120.00} fee for doing so, however, Citi Bank took my payment that was to payoff the expiring balance transfer and paid off the new balance transfer. Then they moved my expiring balance transfer to the standard purchase rate. This practice is unfair and deceptive!
Product: Credit card or prepaid card

I purchased a XXXX XXXX XXXX XXXX from XXXX on XXXX for {$940.00}. XXXX reported that it was delivered on XXXX When I did not find it in front of my apartment, I contacted XXXX on the same day, and I was told to give it 24 to 48 hours and report if I still did not receive my laptop. I was told that a woman named XXXX from the front desk signed for it. When I went to the apartment manager 's office and asked about my package from XXXX, XXXX told me that she did not receive anything from XXXX or signed for any package on that day. 
I contacted XXXX and spoke with XXXX, who advised me that my case was escalated to the concerned team and that they would contact me within 48 hours regarding the issue and help me resolve it with the best options available. I also did send emails to XXXX and XXXX ( XXXX customer services reps ) and others, who advised me to report to the police and get a police report completed before XX/XX/XXXX to get my refund. There is no way I could report to the police or go to court without proof that XXXX  delivered my stuff and XXXX signed for it. I requested proof from XXXX multiple times, but I was told they have no records. 
I then contacted Amex and disputed the charge. Amex closed my dispute and sided with XXXX. I asked Amex to send me proof that it was delivered to the address I gave to XXXX. Amex customer services, on multiple occasions, advised me that XXXX has no obligation to send me any proof of delivery. After a few calls, my dispute was reopened and closed due to an improperly completed dispute. I called Amex again on XXXX and was told I had no other option to proceed this time. I spoke to a supervisor who did not know anything and refused to answer my questions. That supervisor told me that XXXX has no responsibility for keeping my receipt and any delivery information when the item purchased was less than 40 days old.