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

have been using PayPal to receive payments for my online business and also paid some of my staff using same platform.

all was fine until i get notified that my account has been permanently limited.

I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back.

Paypal say they will limit my account if I don't verify my information so, I verify my PayPal using my id, and a couple of hours later my account is suspended for 180 day. 
I'm a video editor and I use paypal as my payment method.
Product: Debt collection

I.C. SYSTEM, INC Account XXXX THIS PHONE I DON '' T OWN and IT STOLEN.
Product: Credit reporting or other personal consumer reports

Its absolutely ridiculous that this issue is still unresolved. Ive been trying to get these pending litigation accounts removed from my credit report for months. Ive contacted you more times than I can count, and each time, XXXXm left without a solution. These accounts are completely inaccurate and damaging my credit score, and Im done waiting for someone to fix this
Product: Debt collection

I am writing to dispute an item on my credit report that contains inaccurate information. I've explained to representatives at the Company several times that this is not my debt and that I'm not affiliated with the primary account holder listed on this debt. I requested debt validation from the Company. 

I received two documents. ( 1 ) A statement with some else 's name on it. ( 2 ) A document with my name E-signed as a cosigner including IP address. The signature is not mine or wet. The IP dress is able to be looked up as belonging to someone in XXXX XXXX, LA. ( I've never lived in XXXX XXXX ). 

This should be removed from my credit report because : 1. The signature on the account does not match my true signature.

2. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to be licensed or registered in the states where they collect debts. This collector is NOT licensed in the state of Louisiana to collect.

I can verify my signature with a license. I will not provide my license to the Company. It is the burden of the collector to prove this debt is mine, in which they have not done. They're not legally allowed to do business in my state. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX Late Date XXXX
Product: Debt collection

Recovery one had a debt that showed on my credit report which I found to be fraud. In first attempts to contact them to even find out where the debt was from they did n't mini miranda me, refused to answer questions or let me speak with a supervisor and then hung up on me. I called back and spoke with a supervisor she lied and said she heard the convo and that he did mini me, which he did after I mentioned it to him 5 minutes into the convo. I advised her he was rude and unprofessional I advised i wanted ti speak with someone higher than her and she said she would maybe try anf have someone call back next week and that didnt set right with me so I hung up. I was in communication with the company the debt originated from after that and they put in an order with recovery one to remove the debt from my report due to fraud as I am attempting to buy a home, and this is the only hold up. It had been two weeks and I contacted recovery one again to see what the issue was, the guy first states that its not in his office he ca n't help and that it will take up to 120 days to be removed I advised I didnt have that kind of time. I asked if i could deal with someone in this office because the other office was rude and unprofessional and he rudely asked what they supposedly did I tried to explain and he said there was nothing he could do and dont know what to tell me. I advised him i want to speak with a supervisor in his office he kept dodging the question and told me he will get me the number to the othet office. Then i advised i read reviews online and the company had nothing but bad reviews he got even ruder and said yeah the thing about debts is noone wants to pay them i advised this is fraud though and i really need it resolved and i understand becausr i actually do student loan collections and he said thats way different i said yes i know because we actually get ourr money. Then i asked him four times for the number he said you know what if youre so professional and know so much about debt handle it yourself and hung up. I tried to call back and couldnt get anyone on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was overlooking my credit report and noticed some discrepancies on it. I noticed that someone used my information to get credit cards and receive loans in my name. I never gave anyone my information or consent to use it, This was not me.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$21000.00}
Product: Payday loan, title loan, or personal loan

I had a loan with a company called XXXX and they suddenly sold all their loans to a company called SST. SST has lacked transparency from the start of the service and is withholding information about my loan. XXXX no longer shows me my payment records, and states that SST completely owns the loan and has all of my information. 

SST has failed to provide an accurate payoff balance or my payment history despite XXXX separate requests to get this. Without my payment history, I can not corroborate that my current balance is accurate and I have reason to believe that its not. It does not match what I recall seeing on the XXXX website previously, but all of the information under the original company is now gone and they insist SST has all the information. I cant access any information from this loan anymore, and I stated that until I receive my financial records and accurate information about my loan, I will not continue paying. 

Each time I speak to a representative they say they understand and they agree. Its been a month and a half and they have failed to provide the information yet they call me 5 times a day trying to collect. 

Additionally, they seem to have changed my previous loan terms. Each payment made to them requires a $ XXXX {$10.00} processing fee that was NEVER a condition in my previous agreement. Even autopay features with them incur a significant fee. This is an uncommon practice. 

Overall this company seems unable to appropriately service the loans they acquired from XXXX, due to a lack of technology and staff, and have failed to provide transparent information regarding my loan and its terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided a dispute in which I forwarded a disposition on the courts stating I was in XXXX  and in XXXX  at the time of this credit card. Correctional law does not allow the payments to be made outside of facilities. I am requesting proof of debt as I believe my son to be ex wife opened and account in my name along with a man I found out she was having an affair with. Obviously I need to find further proof and the only way I can do that is bi actually seeing what was done on my credit. I was in XXXX in XX/XX/XXXX and there I remained until XX/XX/XXXX as the court papers state .. so I need proof in order to sue her for the debt
Product: Bank account or service

I was charged {$150.00} for withdrawing my money from UBS. If I 'd known, I would never, ever put any money there.
Product: Checking or savings account

I receive offers for a credit card with American Express frequently for my business. Once my credit rating approved my odds of approval, I opted to apply. I submitted the application and was met with 2x that I was unable to upload the verifying documents. I called back a 3rd time and was told the application was denied, yet I hadn't uploaded any verifying documents for their review. When I inquired about whom to speak with and report this incident to, I was transferred to a supervisor who later wanted me to complete the application a 3rd time, but instead of adding one of my bank account statements but to sign an XXXX form to release my IRS Transcripts to them. This procedure is not stated on their website, and why after submitting my confidential IRS EIN number verification letter, statements from two bank accounts and the Assumed Named document, was I still denied and asked to submit additional documentation?
Product: Student loan

I am currently a teaching trying to make XXXX payments for student loan forgiveness. There are many stipulations to the qualifying payments. Over the summer of XXXX this loan servicer messed up my income driven repayment application. I was supposed to have a payment around XXXX dollars and for four months I was constantly on the phone with them trying to make them remove the XXXX XXXX monthly payment they were charging me. This was four months where I could n't make a qualifying payment because they messed up my account. Finally, I filed a complain with CFPB and within a week they fixed my account. Now, I went online to make my payment and they are saying my payment is only {$5.00} because my account is in " XXXX XXXX XXXX '' even though back in XXXX of XXXX I requested to have any paid ahead status permanently removed because it disqualifies payments from counting towards loan forgiveness. This paid ahead status should n't even be on my account because I made the exact payment due last month. When I called to speak to someone they kept transferring me to someone else, I spent HOURS on the phone during my day off trying to get the matter taken care of. Everyone that works here keeps telling me they have no idea why my account would only have a {$5.00} payment because they are n't showing any paid ahead status on their end. I believe this company is being dishonest and difficult on purpose for those trying to make qualifying payments and needs to be dealt with accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX, XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a credit card with Apple at the Goldman Sachs Bank. 
Decided I don't want it paid off the amount in full and cancelled the card on XX/XX/2021. 
To date Goldman Sachs bank has not provided the necessary information to all the credit reporting companies with the correct information and my balance which was paid in full is shown on my credit as not paid. I have had numerous phone calls to the bank with nothing but excuses. I have disputed the problem with XXXX  but they have no resolve with the bank.
Product: Debt collection

I have a small medical bill ... .I sent a partial payment to medical financial solutions after receiving DAILY calls from them ... on the bill and on the check I requested they stop calling me ... .it has n't stopped even though they cashed the check ... ..I want the call to end
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is demanding that I get a credit card from US Bank which is a substandard credit card company and has many complaints filed against it. 
To give you a background of my concerns, a couple of years ago, US Bank was incompetent on reporting a hotel charges on a credit card account I had to usein a timely manner. They reported me late due to their negligence and tried to ruin my A+ credit. It took them over three months to correct. Not only this, they charged the account for {$80.00} for some perk program I declined. I tried to get them to remove and waive it which they refused. I ended up paying it out of my pocket to ensure my credit didn't get blemished. Now XXXX XXXX is demanding I get this credit card on my credit rating which I do not want associated with my credit. 1. US Bank is a client of XXXX XXXX and there is a conflict of interest here as there are others who clients whose credit cards are not considered. 2. US Bank is a credit risk to my credit ratings. 3. US Bank is a reputational risk to my credit along with others along with XXXX XXXX. 
If I must adhere to XXXX XXXX 's compliance which advises employees to point out reputational risk and conflict of interest which they choose to ignore, how do I make sure US Bank is not connected to my credit? Is there a waiver I can sign to ensure that US Bank does not report this card on my credit? I work too hard to keep my credit at an A+ status.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$130.00}.
Product: Credit card

My account had thousands of dollars of charges I disputed and I have found out how XXXX never handled these properly with Goldman Sachs and fraudulently said I am at fault for each dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report after paying off two accounts that stated I owed monies on them and saw that the two accounts that were paid in full was still on my credit report. The accounts are XXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$1100.00} and XXXX XXXX XXXX XXXX in the amount of {$80.00}, these accounts were paid in full and are reported still on Experian, XXXX and XXXX. I would like these accounts to be removed as they are impacting my credit report negatively as they have been paid.
Product: Credit card

I am trying to have a fraudulent transaction reviewed. US bank automatically closed my dispute without conducting any research. I have provided the requested information by both mail and fax via a local branch and have yet to hear about my dispute being looked into. I already provided all of the relevant information to an agent of the bank on a recorded line which was more than enough information to at least contact the merchant. I don't believe this bank is performing a due diligence when it comes to protecting their clients. I have worked in the credit card industry for 7 years now and US bank needs a full audit of their credit card disputes procedures as the handling of this request has been nothing short of negligent.
Product: Credit reporting or other personal consumer reports

Attached you will see a deletion of file for a XXXX XXXX from XXXX and XXXX as well as a fraud report. Transunion has been asked to fix errors within my personal file for the past 2 years and has repeatedly failed to investigate and failed to resolve all issues reported. Due to being denied loan access Transunion should be properly compensating for funds lost and malicious malpractice
Product: Debt collection

XX/XX/2020 USAA is guility of ID Theft. USAA used my data to place UNAUTHORIZED charges on my XXXX  XXXX XXXX  of {$3.00}, XXXX. This overdrafted the account - {$2.00}, XXXX on my account. I had to do without food and paying rent. This is ID Theft Retaliation. I called USAA on XXXX spoke to XXXX requesting they remove my XXXX  XXXX data because I would NOT be using it to pay on ID Theft. USAA punishes me for reporting ID Theft. I contacted Social Security hooked up with XXXX XXXX to reverse payment When XXXX  XXXX told me ALL MY MONEY GONE AND OVERDRAFT FEES ACCESSED. I had a XXXX  XXXX XXXX right in lobby at XXXX  XXXX. I left went home to resolve and rest. Social Security Act section 207 prohibits debt collection from social security funds. It also is illegal to collect on ID Theft AND USAA IS GUILITY OF being an ID Theft CRIMINAL USING MY DATA TO PLACE FRAUDULENT CHARGES ON MY XXXX  XXXX BANK ACCOUNT. I have never had overdraft fees in 71 years. This was defaming my character to XXXX  XXXX.
Product: Debt collection

I had some comprehensive damage to happen to my Tesla. I have Tesla Insurance. I filed a claim went to the delearship the referred me to XXXX XXXX XXXX. Tesla sent me a rental reservation and email tell me I could use whatever shop I wanted. I took the XXXX  XXXX put it in the shop and got a rental car from XXXX. Then XX/XX/year>. Tesla insurance emailed the VIN number was not the same as the one on my vehicle send him my lending agreement. I sent in my finance paperwork. I bought the car new for XXXX XXXX. I got approved for a XXXX  XXXX XXXX but I canceled that order and bought the XXXX  XXXXXXXX XXXX XXXX. The insurance for the cancel XXXX XXXX XXXX somehow got carried over to my new XXXX XXXX. XXXX  insurance. I have been paying for my car and the insurance 10 months now. Now the shop tells me they can not release my car until they get paid XXXX. Tesla insurance agent told me to contact Tesla XXXX CA Sales manager and make they pay the bodyshop since they did not telling me at the time of purchase to transfer the Title over to the XXXX XXXX  to XXXX XXXX. The sal manager showed on their computer the care. was sold in XXXX and insured through Tesla. So They have been received doubled on the XXXX XXXX XXXX. The sales manager asked them whether they was going refund all my payments they said NO its the sales manager fault for not telling me to transfer the Vin over from the cancelled order for the XXXX XXXX to the purchasedXXXX XXXX XXXX. I do not have the money to pay the bodyshop the XXXX plus the rental bill. The repair shop will not release my car until they get paid and I have already paid my {$1000.00} deductible. I need my Tesla back. I work for DOD. I have filed a compliant with the Department of insurances legal division. complaint XXXX phone # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2020 I had made a purchase on XXXX XXXX XXXX XXXX for a CPU and chose to use XXXX to finance the purchase. Upon completing or what I had thought to be the completion of the purchase I received an email from XXXX asking me to go back to XXXX and complete my order. I then went to check my email inbox to see if I had received any emails from XXXX with an order confirmation email, but I could not locate one in my inbox or spam folder. 

So at XXXX request I went back to XXXX and completed my order. Once again I did not receive any order confirmation email from XXXX so I went online to check my XXXX account to see that I now had two pending loans with XXXX. I attempted to work with XXXX and XXXX to resolve the matter but XXXX was unable to locate any orders under my name and address provided. XXXX was also unwilling to work with XXXX to resolve the matter. 

I eventually received two CPU/computer processors from seller who had placed the bids on XXXX and immediately returned the second computer processor to the sender via XXXX. I then paid the first loan off with XXXX and filed a disputed for the second loan providing them with the XXXX tracking number showing them I had returned the product to the seller as this was a duplicate order created by XXXX asking me to go back and complete my order. 

XXXX then denied the disputed and demanded that I also pay them for the second loan that was created in error by a misleading email sent by them also knowing the merchandise was returned to the seller. XXXX has since turned the second loan over to XXXX XXXX a dept collector and there is now a collection pending on credit report. 

I believe this to be a UDAAP violation as this has adversely affected my credit report. This first loan has been paid in full to XXXX and the merchandise for the second loan was returned to the seller but yet XXXX still wanted to collect on this dept knowing all of the above information. 

I have all email communications and screen shots related to this matter as evidence. 

Please assist. 

Thank you!
Product: Debt collection

I have not received any response back from them. They are reporting negative items on my report that are affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

We previously had Auto insurance with XXXX and left them due to their discriminatory practices with taking advantage of XXXX XXXX Americans and U. S. Veterans. We are now being retaliated against regarding their falsified claims for Home Insurance claims they have been reporting to Lexis Nexis and impacting us negatively when attempting to shop around for new Home Owners Insurance. XXXX never paid a claim out for the Home Insurance Claims which we did not file as a claim. We only called them during a major Torando or Wind occurence in GA to inquire and just only view our home. However, we did not file 4 Claims and one is also a duplicate on the same day! Also, when I spoke to Lexis Nexis on XX/XX/XXXX, I was informed that these were not Valid Claims because there were No Payouts on them. Therefore, the following Home Claims should not be reported on our XXXX XXXX Report to further Oppress and Suppress XXXX XXXX-Americans from obtaining lower and competitive Home Owners Insurance : 1. XXXX - Home Claim XXXX Reported on XXXX XXXX, XXXX 2. XXXX - Home Claim XXXX Reported on XXXX XXXX, XXXX 3. XXXX - Home Claim XXXX Reported on XX/XX/XXXX 4. XXXX - DUPLICATE Home Claim XXXX Reported on XX/XX/XXXX This is a direct form of Discriminatory Practices which XXXX has exemplified against us by utilizing Lexis Nexis to report negative and False claims to retailiate and oppress us from obtaining Home Owners Insurance! They need to be reported to SEC and FTC for their illegal practices as well!