23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As of XX/XX/XXXX I allegedly owe PayPal {$7900.00} on an account that is not mine. PayPal refuses to give me any information on the account and they keep transfering me to collections. I also received a collection letter from a company called XXXX XXXX XXXX XXXX, Phone Number XXXX. The collection agency told me to contact PayPal which I did. All they would confirm is that the alleged account is associated with my name, home address, and social security #. When they asked me to confirm my email address I gave them my address. They stated that is not the email address associated with this account. I have had an active paypal account for over 20 years with no issues. Every time I call Paypal now they keep transferring me to collections even though I ask to speak with the Fraud Dept. They told me they were opening a dispute on XX/XX/XXXX when I called them the first time. Now on XX/XX/XXXX speaking with PayPal again and they stated that no dispute was opened. I am getting know where with PayPal
Product: Debt collection

Phoenix XXXX XXXX has not responded to inquiries to their email address. 

A prior credit collection firm of XXXX XXXX XXXX is named on their single-page notice, and it has never contacted me. 

The provider of the service, XXXX XXXX XXXX, has never provided a statement to me.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts on my credit report showing balance and they are paid off. I have submitted paperwork proving they are paid off and still show open with a balance. 

The credit reports are not being reported correctly causing me many issues. 


XXXX XXXX XXXX  Balance {$42000.00} Balance updated XX/XX/year> XXXX XXXX {$36000.00} Balance updated XX/XX/year> 2024
Product: Checking or savings account

I discovered that PayPal gave vendors unauthorized access to my bank account. I spoke with a representative from PayPal on XX/XX/22 when I looked at my bank account and saw XXXX debits in XXXX to my checking account made by Paypal that I did not aurthorize. The amounts ranged from {$20.00} to {$100.00}. The Paypal representative explained that I signed XXXX merchant agreements allowing PayPal to debit from my bank account to pay these vendors, which PayPal describes as " preauthorized payments. '' I never signed any agreements nor have I agreed to " preauthorized payments '' to any vendors. I believe this is a scam in which Paypal is complicit, to essentially steal money from my bank account. The representative from Paypal reviewed with me and removed the 75 vendors who were given merchant agreaments and preauthorized access to my bank account. I have necer heard of or done business with the majority of these vendors. Of the 75 vendors, I do business with five of them, but payments are made through my XXXX XXXX account and I did not preauthorize any payments directly from my bank account. The PayPal representative directed me to the section of my Pay Pal account that contained the list of these vendors. She agreed that " Paypal 's practices are not transparent. ''
Product: Student loan

I started a loan in 2005 to get into school for $ XXXX and its now $ XXXX. Ive paid the bill for years and they still wont lower my interest rate. I had a rough time getting my career going after school but Ive been a good borrower for the most part.
Product: Credit card

There was fraudulent activity on my Wells Fargo credit card, which I reported on the same day I received messages about suspicious activity. There were three transactions. Two of them were reimbursed, but one for {$320.00} wasnt reimbursed. I reported it four times, but the bank kept sending me a new card without returning the money. In the end, they sent me a letter claiming that this transaction was authorized by me, which it wasnt. I have an SMS from Wells Fargo that includes this transaction as suspicious activity. It is from the same merchant as the other two transactions, which they were able to remove, and it was made in XXXX.
Product: Credit card or prepaid card

Today ( XXXX ) received a notice from capital one about my accounts being closed and to contact them. I did, and they offered no explanation as to why, and then " ended '' our " financial relationship. '' Therefore now i can not pay my credit card as a result and they offer no assistance, solution or reversal to their decision. 
I'm not certain if it was lack of funds, although i did have money in the account. And before adding an external bank account they had sent a verification deposit which i never received. ( It was supposedly sent within this last month. ) I was told it'd take 3-5 business days. 
Regardless, there's a lot of problems with CAPITAL ONE, and I'd like resolution. Proper resolution.
Product: Checking or savings account

Chase bank shut down my business account due to no apparent reason a while back now, there was over XXXX dollars in the account. They lied to me saying my money would be released several times, the past few times I called them they said they can't verify that I own the account even though I'm the one who opened it. The man at the other end said that there's nothing I can do and that they will keep my money forever
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  XXXX account XXXX, has violated my rights.

15 U.S.C 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called and sent several disputes to TransUnion on XXXX/2020, XXXX/2020 and XXXX/2020 asking for verification on the dates and inaccurate information on a bankruptcy. And havent received anything back contacted bankruptcy court and they stated they can not provide in documents to third party company which TransUnion has not verified none of the inaccuracies and has not provided me any documentation on their verification.
Product: Debt collection

While visiting in Colorado, I suffered an injury to my XXXX which required XXXX and XXXX. I have insurance ( XXXX through XXXX XXXX ) through the state of New Mexico which covers me out-of-state IF I am treated at an urgent care center, emergency room, or hospital. 

I do not understand why XXXX XXXX continues to have unpaid bills for me. I am not even sure where it is just doctors, or the hospital itself, or who they say I still owe. I have heard several different amounts being reported. There was a form that needed/needs to be signed and this was given to them. 

This has now been made more difficult because they have turned me over to a collection agency. I got repeated phone calls from the hospital and now from PFC USA ( Professional Finance Company, PFC USA, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CO, XXXX ). I have talked with my insurance company. They are trying to help, but nothing is being resolved. I have explained to everyone I HAVE INSURANCE, but of course, they just want the bill paid. I have always been very diligent about my bills, my accounts, etc. and have maintained an excellent credit standing before college, through college, and now after. I was very disheartened to learn of a XXXX point drop in my credit score. 

Please help me.
Product: Credit card or prepaid card

I applied for a Wells Fargo XXXX XXXX card with a credit score of XXXX that I built over the past 3 years. I have a job lined up that I will be starting in XXXX and I have proof of this through an offer and acceptance letter. After I applied, I was notified that I have to provide my last three paystubs before I can get approved for this card. I called them and told them about my situation in terms of my job and that I will be unable to provide paystubs for my job until XXXX. They told me that they are unable to give me a card and that they won't take my offer/acceptance letter. I believe that I was denied this credit card unfairly as I have a good credit score and proof of a job with the salary I specified in the application.
Product: Credit card

Bank of America sent notification that they reduced my credit limit from XXXX to XXXX. They cited generic reasons in relation to my credit report ; " recent delinquency on one or more of your accounts '' and " insufficient credit history. '' My account was one month past due in the amount of roughly {$50.00}, the entire account balance. Their customer service representative and manager refused to provide me with specific information as to why they reduced my credit limit by {$12000.00}, despite being a responsible credit consumer of their institution since 2003. I have excellent payment history and good credit. I feel that this action is excessive and has a disproportionate impact on my credit score. They refused to send it for secondary review and told me my only recourse was to request a credit line increase, which would further negatively impact my credit score.
Product: Mortgage

To whom it my concern, I started experiencing hardship XX/XX/2022, because of low paying loads, high gas prices and maintenance to keep the trucks running. I reached out to the mortgage company to try to get some kind of help, as far as a forbearance or a loan modification. They told me I was denied and didnt qualify because I ( didnt make enough income ). At this point, I tried my best to keep working throughout this year to keep my mortgage current. I realized that this check to check thing is not going to keep working, so i tried to reach out again, to hopefully qualify for a loan modification. I personally felt by the patterns of my mortgage payments now, from the on-time payments pattern prior, that obviously they would see how hard I was actually struggling. They denied me again, stating was ( because I wasnt unemployed ). And didnt meet the requirements. Which made absolutely no since so basically if I have a job to make some type of payment, is not enough income, but if Im not unemployed then I dont qualify?? Its a big run a round. Ive be doing everything possible to keep my home, I have a wife and XXXX kids on top of trying to keep a struggling XXXX business open. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I attempted to get a credit card I was denied based on information on my credit report that I am unable to verify because it is information that I am unaware of. So I am unable to get information based on the fact that I am unable to verify accounts that I never opened. Someone opened accounts in my name such as a car loan and mortgage and other accounts that I have no idea how they were attained. I am assuming that someone stole my identity and therefore I have no way of verifying information to obtain my credit report since I didn't open the accounts they are referencing. I would like to make the complaint for Trans Union, XXXX  and XXXX. These three agencies have locked me out of my own information and I can not fix the problem with the fraud that has taken place in my name due to these agencies not giving me access to my credit reports since I can not verify information that they request since I have no knowledge of any accounts being open in my name. I really appreciate your assistance in resolving this issue.
Product: Checking or savings account

Opened Citi checking on XX/XX/year> after multiple verifications. 

Citi will not provide my account number. Citi says must wait for debit card to arrive. 

Called Citi multiple times, each time it takes XXXX - XXXX hours to get through their phone tree to a human being. It's been a major loss and waste of time for me. 

Twice was told to wait longer for debit card. By XX/XX/XXXX, no debit card and no " welcome package '' has arrived my home address : XXXX XXXX XXXX XXXX XXXX, Oregon XXXX. 

Called Citi again on XX/XX/XXXX, got through to a human being after XXXX hours. Was told a new debit card would be overnighted to my home address on file. I was told I would receive tracking information for debit card being overnight. No tracking info received. 

XX/XX/XXXX, make multiple attempts to get through to human being at Citi again. I reached XXXX customer rep with extremely poor English who apparently could not understand me. Call disconnected. 

I'm tired of this. Where is the promised overnighted debit card? I still can not access my accounts, can not access online banking, can not access even my account number to set-up direct deposit because no debit card has been received. This is an absolutely horrendous process that Citi has on new accounts. 

Every time I've called Citi over and over they ask multiple times for my debit card number, but the reason I'm calling is because no debit card has been received. 

My new Citi account should be enrolled in the promotion for the bonus. I would like to confirm the promotion that is attached to this account. 

I would also like the new debit card to be overnighted to me as promised. 

Furthermore, I would also like to request additional times for the promotional bonus since it's taken almost an entire month to be able to access my new account.
Product: Credit reporting or other personal consumer reports

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced in 15 USC 1681a Section 603, a 'consumer report ' encompasses any information communicated by a consumer reporting agency that reflects upon a consumers credit-related attributes, including credit worthiness, standing, and capacity, as well as character, reputation, personal traits, or lifestyle. Such reports are instrumental in determining a consumer 's eligibility for credit, insurance, employment, or other authorized purposes as delineated in Section 604 [ 1681b ]. 

However, it's crucial to note the exclusion clause, ( 15 USC 1681a Section 603 ( 2 ) which states that information pertaining solely to transactions or experiences between the consumer and the reporting entity does not constitute a 'consumer report '. This encompasses reports on transactional payments and credit utilization experiences. Also according to section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. I have never given any agency or entity written instructions to do so. According to 15 USC 1681c. section 605 ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Upon meticulous review, it is evident that this exclusion and the above-mentioned regulations have been repeatedly violated by credit reporting agencies and the entities reporting to them, as listed below. These violations have directly impacted my credit standing and financial opportunities. The dissemination of information beyond the permissible scope as defined in the FCRA represents a clear breach of my rights as a consumer. 

Agencies/ Companies that have violated my rights as a consumer : XXXX, XXXX, EXPERIAN XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a 6 month CD with Truist Bank on XX/XX/2023 with {$10000.00} at the current interest rate which was about 4.5 %. I bought the CD so as to qualify for a free checking account which required that I keep at least {$10000.00} on deposit with the bank. I requested that the CD automatically renew, which it did on XX/XX/2023. Two weeks later, on about XX/XX/XXXX, I received notice that the CD, now worth {$10000.00} had indeed renewed but at an annual rate of .01 %. The going rate at the time was nearly 5.00 %. They were clearly hoping that I, and presumably the other thousands or tens of thousands of customers that they were doing this to, would not notice their attempt to hold my money without paying interest. XXXX percent of {$10000.00} for XXXX months is XXXX cents rather than the nearly {$250.00} I would have received had they renewed in an honest manner. I went to the bank branch since Truist could not handle the matter over the phone. The bank manager had the nerve to claim that since they were not offering 6 months on the renewal ( only 7 months ) they were only able to renew it at the .01 % rate. I told XXXX that they no longer had my trust and that I would be closing my account as soon as I could arrange to set up my XXXX XXXX deposit at another bank. The manager closed the CD, ever so generously waving the nearly {$25.00} penalty for closing the CD early ( sarcasm here ), and put the money into a money market account paying about 3.75 % interest. Meanwhile I have requested XXXX XXXX to deposit my monthly benefit in another bank which they will start doing in early XXXX. At that point I will close all accounts at Truist.
Product: Checking or savings account

By XXXX of XXXX my Marcus Online Savings Account was closed, a savings account which I did not expect so I did not notice at first. I was also thrown off since I assumed only the unfunded account was closed at first. upon further inspection I knew that both of my accounts were closed. Calling from late XX/XX/XXXX and XX/XX/XXXX I had to call multiple times to know that my account was closed. I was told the funds were sent to unclaimed property. After searching the website with my information, my name, social security number, and address yielded nothing. Even calling on the phone line with a representative ( telling them my social security number and amount in the savings account ) did not yield anything, meaning it was not my manual search that was flawed. My calls in XXXX of XXXX did not assist anymore since even when I was finally authenticated and asked for an affidavit to be mailed to me it did not yield anything with the supposed case that was opened, nor told how it as resolved. Nor have I received anything in the mail other than 1099-INT document. Now in early XXXX ( most recently XX/XX/XXXX ) I have been told it is in fact a matter of unclaimed property again even though that was indicated for two months. The search on the state controller website and by phone line using my social security number still yields nothing. I did not receive a notice for unclaimed property nor a property number or any record of the them reporting it to unclaimed property despite my efforts of using their phone line over four months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late on my credit report for HSBC for XX/XX/2019 for {$25.00}. The payment was not late. I have a letter from HSBC stating it wasn't late. Yet it's still on my credit report after 5 disputes.. ;
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are disrespecting the laws. I have showed them numerous of times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

When selecting the options, it did not provide the actual problem I am having although the option I did select is a concern as well. 

My problem is that I have had this credit card since I believe XXXX I have always paid my balance in full XXXX XXXX. Initially, I was able to make the payments online. I pay my balance from multiple accounts, so there multiple payments made every month. A XXXX XXXX ago ( or mayble less ), they limited the number of payments online to XXXX payments. This has been an inconvenience because I now have to call every XXXX  and make the individual payments which is time consuming. This isn't even the problem. The problem is I tried making the payments for this XXXX and not only did they only allow XXXX payments online, but when I called to make the additional payments to pay off my balance, they told me that I couldn't do it anymore because i was limited to XXXX payments per day now. The XXXX I spoke with was surprised as well as she said this was the XXXX time she experienced this. I tried calling again later in the day thinking maybe it was a glitch, but in fact it appears it is the new policy. The representative suggested I start paying the bill early. Although I do make early payments regularly, I do not feel I should be obligated to do so. If my statement shows a payment due date, Barclay should honor that date and allow me to make the payments. The fact that they don't allow me to make all the payments online anymore is extremely surprising and I would think inefficient, but to not allow it over the phone makes no sense at all. 

That being said, the selection I made regarding the payment taking a long time to be applied to my account is also an issue when I make multiple payments. If I make XXXX payment, it seems to apply quicker. When I make multiple payments, I have to wait XXXXXXXX XXXX at times unless I call and have them speak with the bank to verify funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX acting as a debt collector for Hyundai Motor Finance improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. XXXX stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.