23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX 2025 I need to borrow {$25.00} and the other way I was able to do so was through the money lion app and their term was that Id have to switch my direct deposit to get the XXXX. I thought nothing of it maybe a little sketchy but I need to switch account anyway so I trusted it whenever I did submit that it said, I was gon na take two or three pay periods to process and I was supposed to get paid that Friday on the XXXX So I automatically didnt think that it was going to switch that week, but it did. I woke up Friday morning To charges on my XXXX account showing that its still negative I was confused. Through my emails, see where my money is at. Im unable to log into my XXXX  account and then I look at my email and I guess the day I pulled out the XXXX out of my bank account ( not money lion ) Was for unusual activity. I spent all morning crying, spoke to four different people. Nobody helped me besides the last person I spoke with. I keep submitting documents theyre saying its not on file but I just had a recent change of address and they requested proof of address. It seems like theyre trying to over everything and the process is just taking a lot longer to get anybody to respond. I took every single step they ask but its just taking longer to get a response I give them exactly what they asked for and they are just dragging out the process, I feel extremely uncomfortable knowing I put a lot of my personal information on that app and whatever they requested and they are extremely unprofessional on the phone the lengths I need to go to access my own money money. Left me completely broke and starving very depressed!! I work full time this shouldve never happened. I had to even verify my employment through my work app and I just want them to unfreeze the funds, nothing was unusual about my own bank acc? Im extremely confused why it went under Suspicious activity its all my personal information and accounts and nothing proves otherwise they dont have any reason to flag it or hold my funds please help.
Product: Student loan

I have a XXXX XXXXXXXX XXXX XXXX My servicer is EdFinancial. On XXXX XXXX XXXX  I submitted a {$3600.00} payment towards the loan and after a few days it looked to be accepted as the balance went down the {$3600.00}. What was weird is that the money was never taken from my bank account, but I thought maybe it just took a little longer to process. However I just logged back into my EdFinancial account and saw that the entire payment had been reversed and it was back to the original balance. I wasn't even notified, and interest has been accruing on the higher balance again. I did some XXXX and found MANY other people under EdFinancial are having similar issues. I am worried it is fraud in order to either 1 ) accrue more interest so we end up having to pay more and/or 2 ) make it so we don't even know that the payment was reversed ( again, was not notified ) which could lead to late payments in the future if we didn't happen to check the account again. Now I am scared to submit the payment again and frustrated that I am having to pay additional interest because of this.
Product: Debt collection

I responded to a text message from Wakefield & Associates ( I don't recall providing permission to them ) via the number listed in the text message on XX/XX/2023. I was informed that I had a debt of approximately {$1300.00}. They mailed the debt validation letter or bill to the wrong address and have the incorrect address on file. I refused to provide them with my address, and I still have not provided them with my address. I requested that the debt validation letter be emailed to me, but I was instructed to send an email to request it. I emailed both email addresses ( XXXX and XXXX ) on XX/XX/2023. I requested an itemized statement, debt validation letter, and a discount/settlement letter. They recently reported that they did not have the email and instructed me to send the email again. They told me earlier in this process that the debt would be reported on my credit report on XX/XX/2023. I would like to have an itemized statement, debt validation letter, and a discount/settlement letter before I make any payment.
Product: Credit card or prepaid card

In reference to complaint # XXXX Citibank retaliated by closing my account which affects my credit and score.
Product: Mortgage

My loan was recently transferred to another mortgage company. My property taxes are paid twice a year from my escrow account. Upon notice of my mortgage transfer, I contacted my new company on XX/XX/XXXX to ensure my property taxes would be paid on time as the finalization of the transfer ( XX/XX/XXXX ) came really close to the due date of the property taxes ( XX/XX/XXXX ). The mortgage company told me to call back on XX/XX/XXXX. I did that, and they told me they had no record of my property taxes, and to mail the bill in. I mailed the bill in and called on XX/XX/XXXX to confirm receipt & processing. The mortgage company then stated they never received the bill, that their records showed the taxes were only due in XXXX, and that my previous lender paid off the taxes. None of this was true, as XXXX XXXX registrar showed ( and still shows ) a due balance for my property taxes. At that call, the individual told me to email the bill in, which I did, and he confirmed receipt on the call. I called in on XX/XX/XXXX to check the status, and once again, the rep initially stated they had no record of a bill. Once she found the bill, she stated they would get working on submitting payment. I called back in today, XX/XX/XXXX, and the rep stated there was no record of the bill and that I would need to mail or email the bill back in. 

My tax bill has always been paid from escrow twice a year. The transfer of my mortgage appears to be impacting a timely payment as this new company can not find the record of this, even when I send in and call about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/21 with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with XXXX XXXX I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! Also XXXX XXXX have not even opened and investigation not have alliance after i have requested for them to do so their hasn't been a recent report update or any documentation sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Late XX/XX/XXXX, i requested my report from Equifax, XXXX  and XXXX. Upon reviewing my reports, i noticed multiple errors and inaccurate information reporting on all three reports. On XX/XX/XXXX, I mailed letters to 2 of the 3 credit reporting agencies, by certified mail ; disputing erroneous items and inaccuracies due to it affecting my life financially and i requested validation of the debts with documentation to prove i am liable for these debts and i also requested that if they could not validate these debts that they delete them from my file. I am unable to receive the help i need due to the negligence of these companies. I received confirmation from both credit reporting companies that my disputes had been received. XXXX  confirmed receipt on XX/XX/XXXX and Equifax confirmed receipt on XX/XX/XXXX. I received correspondences from both Equifax and Experian before the 30 day expiration but it was not of the items i had disputed. They both provided me with a updated report with the same inaccuracies on it. XX/XX/XXXX, i sent another letter to each credit reporting agency certified, letting them know how they failed to investigate my disputed items and provide me with validation of the debt. They took no action at all on either of my disputes. XXXX  confirmed receipt on XX/XX/XXXX and have yet to respond as my credit report still has them erroneous items on it. And Equifax confirmed receipt on XX/XX/XXXX and restarted the original investigation giving me another 30 days for me to wait on another investigation due to their negligence. The FCRA does not say credit reporting agencies have 60 plus days to investigate, however it does state that credit reporting agencies have 30 DAYS to investigate erroneous items disputed. IF they are unable to validate the debt during that period of time, the disputed items must be removed or i am able to take legal action and receive up to 1000 per disputed item. I retain all records, and communication with all the credit reporting agencies and am fully prepared to take legal action if this is not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company I apppied to ran a background check and the report came back and it 's showing me as a level XXXX XXXX offender. I 've never been charged with any such crime or ever been documented or listed as any kind of offender. Also shows in the comments, text about Nevada and Oregon both states of which I 've never even been to. This information is definitely inaccurate and embarrassing. I need this information corrected asap.
Product: Credit card or prepaid card

On my XXXX statement the balance was XXXX and I paid the balance but apparently I was a day late. I was assessed a late fee of {$34.00}. I didn't know I had a late fee ( because I thought I had paid off my balance ), so I didn't pay the late fee and was charged another late fee ( on top of a late fee of another {$34.00} plus a minimum fee of {$2.00} ( totalling XXXX ). I now have a balance of {$70.00} made entirely of fees. Charging a fee on a fee when I have never been late to this point is ridiculous. CS won't assist. This company is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovered an auto loan account in my Experian credit report being handled by XXXX ( XX/XX/XXXX ). I called XXXX ( XX/XX/XXXX ) to inquire about the account, but they were unable to locate an account with my personal information ( SSN, Address, Name, DOB, Phone Number ). This occurred on multiple occasions ( XX/XX/XXXX, XXXX ). I also filed a dispute with Experian ( XX/XX/XXXX ) to have the account removed. The dispute results ( XX/XX/XXXX ) were provided and XXXX reported that the account did in fact belong to me. Again, I called XXXX and they are not able to find an account number associated with my personal information. I then called Experian ( XX/XX/XXXX ) and uncovered that there are several addresses, an employer, phone number, and name ( similar to mine but with a hyphenated last name ) tied to me. They were able to remove one of the addresses, employer, and telephone number, but not the auto loan account and name ( with identification number ) that is not mine. It seems the second address, auto loan account, and name ( hyphenated ) are tied together. Experian acknowledged via phone call that the information being disputed is not mine, but refused to remove the information since XXXX asserted the information belonged to me. XXXX is also reporting my name is different via an email I received from them on XX/XX/XXXX asking for my SSN and copy of credit report. I did not respond as they should be requesting the information through Experian and not be contacting me directly. I feel I am a victim of fraud and request a thorough investigation be completed on XXXX and to have the information removed from my credit report. I also plan to file a fraud report with the local authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Already paid off the complete balance to Solar Mosaic but still show up in my credit report as a Charge off and for that reason I cant refinance my house
Product: Credit card or prepaid card

We were gifted a Vanilla Gift card for {$500.00} purchased at XXXX. The first time we used it, it had just XXXX cents on the card.

We have talked to the Manager and corporate at XXXX without any results. 
We have filed a case with Vanilla card and they came back after about 2 months saying case is closed. 
RE : Vanilla Product Ticket XXXX Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the referenced ticket above.

After reviewing your account, we have verified that your card was present during the time of the purchase ( s ). Under the Network Regulations, we do not have recovery rights to file a claim.

Your dispute is no longer under review. With the denial of this dispute, we consider this matter closed.

If you have any questions, please contact the Resolution Team at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below XXXX XXXX ( Finance ) XX/XX/XXXX TEACHERS FCU ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XXXX be remove because According to XXXX XXXX XXXX : I have the right to privacy and I did not give XXXX written permission XXXX furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent three dispute letters to all three of the credit bureaus to remove all of the fraudulent accounts and some paid fraudulent accounts from my credit report, I showed them my lease verification along with addresses that I dispute with Equifax and they still have not removed these negative accounts despite the fact I showed these three credit bureaus that I've been living at XXXX XXXX XXXX XXXX North Carolina XXXX since XXXX I say that because all of these negative accounts are attached to addresses that I never lived at in XXXX North Carolina.
Product: Debt collection

Debt validation claim according to15 USC 1692.

I asked for ( 4 ) things 1 Send me a full list of the payment history on this account.

2 I want to see the original signature that I agreed to on my contract.

3 Have there been any insurance claims found on the debt.

4 I want to see the Chain of Title to collect on the debt.

Collections agencies : Fair Collections and Outsourcing original creditors
Product: Debt collection

I provided Direct Cash LLC on XXXX XXXX the Notice oXXXX XXXX XXXX Bankruptcy notice regarding my Direct Cash LLC Loan account number XXXX for the Loan amount of {$710.00} from the XXXXr XXXX notice of Bankruptcy notice and legal Representation letter and asked them to provived notice of Loan document letter regarding the Loan Debt to sumit to my XXXX  XXXX Bankruptcy attorneys at the XXXX Law Firm and they is failing to provide notice of the collection debt account from the pdf attachment below and has it listed and Debt collection amount instead of in XXXX  XXXX Bankruptcy
Product: Debt collection

On XX/XX/2020 I made a full payment of XXXX dollars to midland credit management, also known as MCM or midland funding, to pay off a collections that I owed. I then contacted them the next business day because I got a notice of anunagreed amount of XXXX that is still reflecting on the account. The lad told me over the phone that the account was closed and that Id receive some verification/paperwork in 2-3 business days from the day that I made the payment. I havent received any paypaperwork Iam still seeing the XXXX as a charged amount on the account. During this time I went to dispute it on my credit report with XXXX which during this time I found that XXXX had been receiving wrong information on the account for months now. MCM claims that I havent made any payments and that the amount still owed is XXXX dollars. XXXX took MCMs side and informed me that the information that what was reported was accurate. Even though Ive sent them documentation of my payment/payments with MCM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mobile account with XXXX, which I cancelled. However, XXXX claimed it was only " suspended '' and continued to charge me. I settled that dispute with XXXX on XX/XX/2021 and made full payment of the final, agreed amount ( {$60.00} ). I also received an email from XXXX stating that the payment arrangement was " complete ''. 

Later, however, XXXX started pursuing me to pay more money, even though we had finally settled the account. I have provided documentary evidence of the settlement ( including the name of the XXXX representative I made the agreement with ). I provided all this information to XXXX ( see attached letter to XXXX with supporting documentation ), but they have not responded to me. 

XXXX has also not provided any first-hand evidence to Experian, instead merely claiming that their agent didn't properly note in the account that the matter was settled. ( XXXX 's bad record-keeping doesn't prove there was no settlement, only that they failed to properly record it. ) Experian has likewise ignored my documentary evidence of the settlement and instead has blindly accepted XXXX 's conclusory ( and false ) claim that there was no settlement. 

As a result, I have been forced to pay ( under protest ) money that I do not owe because XXXX is damaging my credit rating and Experian is helping them do it.
Product: Vehicle loan or lease

This is my second complaint against Ally Financial. I have requested a deferment under the cares act due to significant income reduction due to COVID 19. They say they are working on it however it never gets done. Currently they are harassing me calling the same number multiple times after leaving a message and even calling family members.
Product: Credit reporting or other personal consumer reports

This is probably the 4th time I have written ya 'll about these accounts. I did an investigation on my credit report and still found several items on there to be inaccurate. Everytime ya 'll have corrected these accounts and they are still wrong.

Under 15 U.S. Code 1681e ( b ). Accuracy of Report - Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general if, after any investigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, IMMEDIATELY!!!

Personal Information : Names Reported -XXXX XXXX XXXX **Should be corrected as XXXX XXXX XXXX Employment Info - XXXX ** Please delete this Addresses Reported - XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX **I am unaware of these addresses. The address is XXXX XXXX XXXX XXXX XXXX, SC XXXX Accounts : XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX
Product: Checking or savings account

Hi my name is XXXX XXXX I am from XXXX I opened a business account in Chase Bank XX/XX/XXXX that was my first visit to USA I register my business as XXXX XXXX XXXX in XX/XX/XXXX and open a business account, Business account runs only one week after that bank close my account bank need work permit or business permit that time I dont have and they close my bank account but some money was in my account XXXX XXXX  Now I returned to USA after 4 years and went Chase bank to get my money back but nobody helping me every one telling a new story new talk but no one helping and its almost 2 week I call online customer services but they said bank issue a cheque but I never received on registered address if I ask give me cheque detail they dont know they dont have in system I check with XXXX XXXX  State unclaimed fund too but they dont have anything on my name I went 2 chase bank branches too but they not help only gave me customer service help no when I phoned they say always we dont have record where I go who can help me to get my money back its almost two week Waiting your reply
Product: Credit card or prepaid card

Purchased one time XXXX XXXX for 19.97 - received them and did not like them and did not order anymore in XXXX of XXXX using Bank of America Credit card. Because of Covid - found our that XXXX XXXX  was charging me every month on my Credit card for the same amount - without any product delivered or wanted. Contact Bank of America and on several occasions and they continued to deny XXXX and finally spoke to a Supervisor who said it was not Fraud but Dispute over Billing and promised me that it would be credited. Now I received a letter stating that I needed to provide original documents ( which I can not - was a XXXX  ad ) or they would not help me and stated that it would be easier to cancel my request. I tried calling XXXX XXXX  company and could not get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had checking account and charged from XXXX of {$35.00} for membership. I was given 90 days as trial period and I could cannel this within 90 if I did not like their products. 

Within 6 days member ship was cancelled and I had entire 90 days to cancel. Around XX/XX/XXXX was the last day to cancel membership. Cancellation dated email was sent on XX/XX/XXXX is not 90 days. 

Multiple banks I tried to open new accounts has been denied because credit reporting indicates I have not paid {$180.00}. 
My member ship was canceled within time allowed and I dont to pay anything to US Bank. The amount that I was supposed to be paid was {$35.00} and late fee and other charges has been added to come to {$180.00}.
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries Fraudulent from Transunion Credit Report. XXXX XXXX XX/XX/year>. XXXX  XXXX XX/XX/year>. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. i am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.