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

On XX/XX/2023 I initiated at XXXX transfer from my XXXX XXXX account to my Merril XXXX XXXX. While the transfer is being initiated, I have been trying to link my bank account to Merril XXXX on the XXXX, XXXX, XXXX, XXXX, XXXX, and the XXXX and I was told that I could not. On XX/XX/XXXX, I was told to send in a Eform with my account information and wait 24 to 48 hours and that my account will be linked. On XX/XX/2023, I called Merril XXXX asking for an update and the representatives tell me they dont know why my account has not been linked yet, that they will escalate this issue. That I should wait 24 hours and it should be linked. On the XXXX, after seeing my bank account still not linked, I requested a wire transfer withdrawal to my XXXX business account. On XX/XX/XXXX, I wake up to see my account has been disabled, and when I called, the representatives told me that my account has been under review for a couple days now and it will take 10 to 15 business days to review my account. Until then I am unable to log in and retrieve my funds. Merril XXXX has been harboring my funds and has not provided me any update. Due to unforeseen circumstances, Ive been trying to withdraw my funds and they have made it a hassle. If my account has been under review, why would they allow the XXXX transfer in the first place? Calling support has been a issue because they all say wait 24 hours for no prevail.
Product: Credit reporting

XXXX XXXX is reporting incorrect information for XXXX accounts on my credit report. I have attempted to contact them directly on XXXX separate occasions and they refuse to correct it. They are incorrectly reporting the date of XXXX delinquency for XXXX accounts as XXXX XX/XX/XXXX. I have contacted the original creditor XXXX XXXX XXXX XXXX XXXX ) and verified that they date of XXXX delinquency for XXXX accounts is XXXX XX/XX/XXXX. I have also requested that Equifax, XXXX and XXXX correct they information but they have not. The XXXX XXXX account numbers are XXXX ... and XXXX ... The Original creditor is XXXX XXXX XXXX XXXX and the account numbers are XXXX ... and XXXX ... As you can clearly say on my credit reports, XXXX XXXX is reporting the correct date of XXXX delinquency but XXXX is not. At this point I want all the XXXX XXXX accounts removed from my credit reports.
Product: Money transfer, virtual currency, or money service

On this date I received a {$400.00} Cash payment from a friend to my Paypal Account. 

They were charged a fee to send it to me, and then I was told I would have a fee to pull it out. And so I agreed to all of that- which put me at {$370.00}, and I said yes. 

All afternoon the transfer of the CASH to my bank account was DECLINED. I have called them more than 4 times, and I am put on hold or disconnected, and they REFUSE TO HAVE SOMEONE CALL ME OR DISCUSS ANY OF THIS WITH ME, AND I AM NOW LATE PAYING SOME BILLS THAT WERE DUE TODAY BECAUSE THEY ARE HOLDING MY CASH. 

ISN'T IT ILLEGAL TO HAVE ZERO CUSTOMER SERVICE AND HOLD MY CASH FROM ME??? I AM LIVID UPSET!
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to CFPB complaint ID XXXX, TransUnion falsely states that my Vantage XXXX credit score, which decreased and dropped by XXXX on XX/XX/2023, as a result of removing and deleting the derogatory collection account from XXXX Associates XXXX TransUnion intentionally deflected responsibility for my XXXX XXXX credit score 's decrease to a third-party. This is untrue and deliberately false. I have attached a screen shot of my credit score from TransUnion itself, which shows that TransUnion itself calculated the XXXX XXXX score -- it was not calculated by a third-party company. TransUnion also falsely asserts that I am claiming they make credit decisions. I am fully aware that credit decisions are made by the credit grantor, who obtains my credit score from TransUnion -- and TransUnion 's XXXX XXXX score that TransUnion calculates. As previously stated, TransUnion deleted and removed derogatory collection account XXXX Associates from my credit report on XX/XX/XXXX. This was the only change that was made to my credit report that day. As a result of removing this derogatory collection account, TransUnion 's XXXX XXXX XXXX XXXX, provided to me as part of my TransUnion XXXX XXXX XXXX and attached as a XXXX file to this complaint, decreased and dropped by XXXX points. TransUnion is doing nothing more than passing the buck and playing the 'it 's not our problem '' merry-go-round ride. When removing a derogatory collection account from my TransUnion credit file, and this was the only change made, my TransUnion XXXX XXXX score should have increased. Instead, TransUnion 's credit scoring system is penalizing me for having the derogatory collection account deleted from my credit file. XXXX XXXX credit scoring system is a scoring system developed and maintained by TransUnion, and TransUnion is falsely and knowingly lying by saying a third-party is responsible for the calculation of my XXXX XXXX credit score. Additionally, once more, I called TransUnion 's XXXX XXXX XXXX customer service phone number on XX/XX/XXXX, and I received offshore representatives who speak XXXXimited English and did not understand the situation explained to them, because they can not clearly speak or understand English. When asked to be transferred to a United States representative and/or a supervisor or manager, each offshore customer service representative says they can not honor this request and/or they will arrange a callback within XXXX hours.
Product: Student loan

Submiited several income-based repayment applications, and for some reason, my payment keeps going up and down. I work as an XXXX  XXXX  at two community colleges ( see the attached pay stubs ). Nelnet consistently miscalculates my income-based student loan payment amount. I want the CFPB to file a lawsuit against Nelnet and havr an independent auditor to check the work of their staff overseeing income-based loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

A payment to Infiniti Finance for XX/XX/XXXX was reported as late to 2 out of 3 Credit bureaus. One of the Credit bureaus shows my account was updated on XX/XX/XXXX with no issues reported. The other 2 bureaus show I was late 30 days. This is the 2nd time this has happened with this company. I made my final payment to satisfy my XX/XX/XXXX balance on XX/XX/XXXX. It wouldve been considered 30 days late as of XX/XX/XXXX. The e mail confirmation sent to me states that the payment I made on XX/XX/XXXX would be effective on XX/XX/XXXX but it is showing as XX/XX/XXXX hence making me 30 days late. The exact same thing happened last year with this company. This issue caused me to be denied a mortgage and my credit rating went down. I am unable to secure financing for a car with a manageable interest rate due to my score being lowered by over 30 points. I reached out to the headquarters of Nissan Motor Acceptance Conpany and was told to wait 30 days. I will be homeless in 30 days if this is not resolved.
Product: Credit reporting or other personal consumer reports

I have no association with the listed creditors, and these inquiries were not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a car and was told by the dealer i had been denied a loan because i had 2 collection accounts on my credit report. I obtained the credit reports and it said I owe {$190.00} to XXXX & XXXX XXXX and originated with XXXX XXXX and {$570.00} to XXXX XXXX XXXX originating with XXXX XXXX XXXX. Everyone who has owned a car knows you can not run a bill with insurance. If you do not pay by your due date your policy is cancelled and if you have an accident and attempt to make a claim it will be denied. So the premise under which i supposedly owe this debt is entirely fraudulent. I believe XXXX XXXX and XXXXXXXX XXXX XXXX has committed fraud by selling this fraudulent debt to XXXX & XXXX XXXX and XXXX XXXX XXXX which is attempting to collect it from me. This fraudulent debt has caused my credit rating to go down by as much as 200 points.
Product: Mortgage

Six months after Carrington Mortgage  took over my account from  XXXX , they posted a delinquent account to my credit report.I have always paid this bill before or right on the first of the month.N o one said i was ever behind in my payments, nor was i given any notice.Apparently, they thought i sho uld pay both them and  XXXX  during their transition.I am angry and my credit rating went down  XXXX  points.This is both unfair and harmful to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had an offer to check for a mortgage refinance with Rocket Mortgage by Quicken Loans. At the end of the form it says, " Submitting this form won't affect your credit. '' Then it redirects you to another site owned by Rocket Mortgage. The site ask you for more questions, and at the end when you send the form a hard credit pull showed on my account. This is a deceptive practice. They shouldn't be advertising a product or service that doesn't follow their initial statement of not affecting your credit.
Product: Student loan

This is a copy of an email I sent to the servicer this morning XX/XX/XXXX : Good Morning, I am having a hard time understanding your practices when it comes to loan servicing. Information relayed between representatives to myself was not clear and concise. 

I changed my payment plan to be to a Graduated Repayment Plan on XX/XX/XXXX, notice of approval on XX/XX/XXXX with payment schedule attached. When I did this I was not told I was still under the umbrella of an IBR ( today was told this XX/XX/XXXX ) from XX/XX/XXXX. I was told that a part of my loans were out of deferment time, and payment would begin on XX/XX/XXXX. I was sent a letter saying my in-school deferment was approved ( XX/XX/XXXX ) and this was Moring was notified that my loan payments under IBR was increasing and my payment was due on XX/XX/XXXX to {$430.00}. Still nothing that there is a payment due on XX/XX/XXXX. 

I want to know, how, with all the letters stating my payment are staring on XX/XX/XXXX, I have a payment past due on XX/XX/XXXX, the I was NEVER informed of. Then to have the representative tell me I need to have a forbearance to have this payment put on hold. I declined the forbearance because I should not have to do one when there shouldnt be a past due balance to begin with. The representative told me it will be corrected in the back office, with an advised date of XX/XX/XXXX, however, my payment will still show delinquent, until it is fixed from the back office. Then in XX/XX/XXXX I can resume my XX/XX/XXXX payment on the Graduated Extended Repayment Plan. The representative kept reiterating that they are two days past due, and no late charges or credit reporting has been done. This does nothing for me because there should not have been a payment due. 

I should not have had to go through this in the first place. This was ridiculous and an inconvenience. This needs to be fix ASAP. There is a disconnect in information and how it is processed. I have attached the e-correspondence pertaining to this situation. 

I look forward to your replay as to why this has happened.
Product: Checking or savings account

I requested the business account with {$400.00} bonus and {$5000.00} direct deposit requirement. ( communication between me and the company attached ) However the bank made a mistake and signed me up for a checking account with {$200.00} bonus and debit card transaccin requirement that I did not signed up for. 

I am requesting for the bank to correct the issue and provide the account and promotion I signed up for. 
If they cant change the account type then to honor the promotion I signed up for as if SouthState failed to do so they are communizing false advertising since promo and account are not being give to me as requested.
Product: Money transfer, virtual currency, or money service

I am a Paypal business account holder. I have used my PayPal account for almost 4 years now. On the XXXX of XX/XX/2020, I woke up to see Paypal permanently limited my account for no reason. I am a university XXXX studying XXXX XXXX, XXXX  and also have some family members who depend on me. I borrowed money from people to expand my virtual tradings. As I am talking, all the funds have been locked up in Paypal for 180 days. Honestly speaking I can't wait for the 180 days because if I try to wait, I will either go to jail or commit XXXX. I have an amount of {$1400.00} USD locked up. I have contacted PayPal through XXXX but the response I received wasn't encouraging. I am partially homeless now. I would happy if you can intervene to save me from this misery. I just want to die now. I am XXXX  and not as fine as I am talking. 
I want PayPal to allow me withdrawal my funds urgently or restore my account. I have never engaged in criminal activities with my account before. I use my account only for business and payment of school fees. I don't deserve to be treated like this. My Paypal account address is XXXX. Thank you My PayPal limitation Reference ID : XXXX
Product: Checking or savings account

I have reached out to early warning services because my bank account for XXXX XXXX has been closed because of the information they reported I have not given them any verbal or written consent under 1681 paragraph b to report anything on my behalf
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Experian credit report and noticed they have 10 variations of my name and 9 of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States  Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations.

I received a response to go track down whoever is reporting these incorrect names & addresses. 
As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. 
The other credit reporting companies had no problem updating my information and removing all others. 
I am not going to chase down 13 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct.

They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed.

They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information.

I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX with XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Product: Credit reporting or other personal consumer reports

Fifth Third Bank account is and has been current. I have asked them to change report but they sent me to FTC.gov. These people are destroying my credit!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

GE Capital Retail Bank/XXXX XXXX has sold my account to a vendor but they continue to report it on my credit report. I have disputed this many times and GE capital retail bank continue to report wrong information. They are reporting a wrong high balance and and dates are off. XXXX says I need to contact this company for corrections.
Product: Student loan

On XX/XX/21 XXXX submitted my loan for a credit check to my Servicer. My Servicer had customer service agents who refused to do the credit check. Attached is proof of my report stating their is no credit freeze as of XX/XX/21. They made every excuse to deny me the Summer and Fall semester so I could not graduate. They claimed my credit was frozen so I had it unfrozen and then showed them proof and they still never did the credit check.
Product: Consumer Loan

On XXXX XXXX I called Santander at XXXX PST to obtain the outstanding balance of all late payments and fees. The balance I was provided was {$770.00} and some change. That same day I made a payment of {$1400.00} to cover all outstanding amounts and make the payments for XXXX & XXXX XXXX {$310.00} each ). On XXXX XXXX I received an email receipt of the payment made and called to confirm that my XXXX payment was {$310.00}. I was notified by their automated system that the payment due for XXXX was {$410.00}. I called Santander to determine why and they stated the payment was not sufficient to cover all of XX/XX/XXXX payment. I asked for a detailed breakdown of payments, balances, late fees to prove their claim. What they provided did not answer my question but did result in additional questions. 

Santander initially refused to stop Autodialed calls to my cell without written notification. Santander charges $ XXXX {$15.00} for online/phone payments. 
Santander charges {$10.00} for late fee and another {$25.00} to delay a single months payment.
Product: Money transfer, virtual currency, or money service

I created a PayPal account to conduct my business, when I had a few customers who paid and our transaction went smoothly, I suddenly found out that PayPal had limited my account and I no longer had access to my funds. I've already talked to them and they always saying that " their decision is final '' and I no longer have access to my account. I didn't do anything, I can't send a payment nor withdraw my funds. I've already said to them that I need the money XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but their answer is always the same. " Our decision is final, you can no longer do business with PayPal. But my remaining funds is still there and I can't have it.
Product: Credit reporting or other personal consumer reports

This company, Transunion, has NOT addressed any of my issues that are very relevant in this process. I have provided all necessary documentation to dispute the wrongful information on my consumer report. This has been continuous willful violation of the Fair Credit Reporting Act regarding Transunion 's refusal to delete all the UNVERIFIED account information from my consumer file. I am disputing unauthorized and unverified accounts on my credit report in line with 15 U.S. Code 1681i, invoking FCRA protections. Despite submitting documentation from the police report # XXXX, FTC report # XXXX, and CFPB report, the credit bureau 's lack of transparency and refusal to disclose the identity of the verifier, violating 1681i ( a ) ( 1 ) ( A ), demand immediate attention. I demand the following accounts be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please understand that this is a final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all the UNVERIFIED account information from my consumer file. Furthermore, I have sent a letter certified with tracking number # XXXX to ensure its secure delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX Balance : {$2500.00} THIS IS NOT MY ACCOUNT. My identity was stolen and used to attain phones. This had been settled with Equifax and is still showing on there. 

XX/XX/XXXX XXXX XXXX XXXX Balance : {$8500.00} THIS IS NOT MY ACCOUNT. 

HARD INQUIRIES that I did not do nor authorize on my Equifax report : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX HARD INQUIRIES and accounts that I did NOT authorize on my XXXX report : XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} THIS IS NOT MY ACCOUNT INQUIRIES : XX/XX/XXXX XXXX ( I wasnt even in the USA ) XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

This bank unwillingly changed my dispute status to make my dispute not eligible for a provisional credit when this transaction is a regulation E transaction and should be eligible for a provisional credit. One customer service representative told me that they seen I was eligible for a provisional credit and I would be receiving it by the end of XX/XX/2023. I never received the provisional credit. Called in today on XX/XX/2023 and theyre now telling me the dispute type was changed without notifying me and Im not eligible for a provisional credit and they will have to recategorize the dispute and now Ill have to wait an additional 10 business days.
Product: Debt collection

This company has reported to the credit bureaus false and inaccurate infortion that is damaging my credit and making me suffer along with XXXXm getting denied by landlords does not want to rent to me. This company is also violationf FCRA laws and trying to collect a debt they copies bill over a letter head paper XXXX XXXX. I have proof that this company is not registered and does not does business in the state that there trying to collected a debt in which is another violation of my consumer rights. I have asked this company and the credit bureaus to show me proof of validation that i owe this debt to this company which continues to tell the credit bureaus they verified the debt but i never signed nor done business with this company nor have i gave them consent to do anything. 

I state below that i have proof to show my statement im writing is true. I also have and FTC reoport to show that this company stole my identity and trying to collect a debt from me which is another violation.