23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX/XXXX/XXXX I received an email from PayPal that my account was being placed on hold. I called them to get it resolved and they told me that they would have to close my account and open a new XXXX, thereby losing my entire PayPal account history ( of 12+ years of transactions ). They said the reason is that my account was opened in XXXX, before I was XXXX, and therefore my signed agreement with PayPal is null and void. I asked to resign the agreement but they did not comply. They are n't allowing me to withdraw my account balance until I 've agreed to lose my entire account history and have not provided any alternatives.
Product: Prepaid card

The prepaid card was redoing the system and while it was doing that, customers didnt get their direct deposits as normally scheduled. I wasnt able to speak with a customer service representative nor was I able to logon to my account. I received my deposit and used it, seemed a lot more than it should have been, I attempted to contact them and still couldnt get through to a representative. I now check had to redo my online account with a new password and when I was able to logon I see that they had depsoited my funds twice. Now, I had a payment plan on a bill that due to the deposit not hitting my water was shut off and I had to pay the full balance instead of the payment arrangement. I now see that they are trying to reverse my car payment that posted XXXX/XXXX/2015. I attempted to call 4 times right now which is my lunch break at work and it just rings and after the XXXX ring it hangs up on me. I have been a customer for over 3 years and I am not liking how things have been lately. I have been through on unauthorized transactions and taking forever to get those reversed and other things, but I cant deal with reversing my car payment. I will seach legal counsel since it seems like there are attorneys that are working on suing them due to the system being down and unable to speak with a representative nor able to access funds on dates that they are always available on. I didnt put the funds in my account twice and neither did my banking institution. I didnt use all of the funds that were in my account, due my unknowing where they came from.
Product: Checking or savings account

Received bank letters and opened them to find out that I  supposedly XXXX opened account and I owe overdraft fees. I have never opened account with this bank.
Product: Credit card or prepaid card

I hereby request your intervention since despite multiple calls and claims I can not find a solution from the Citibank Bank that issued the Home Depot credit card, who want me to pay a debt that amounts to more than XXXX us quota of credit that in its entirety has not been spent by me. 
1. I applied for the Home Depot credit card at the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for a purchase worth {>= $1,000,000}, that day I got a discount of XXXX us for applying to said card. 
2. All my purchases are made at the XXXX XXXX XXXX XXXX identified with the code XXXX because it is the only store in the city where I live and I have made a few at the XXXX XXXX store. 
3. I have made several telephone claims since XX/XX/XXXX to the Home Depot Credit Card customer service line in which I have requested that the statements be sent one by one from the date the card was issued to make a review of each and every one of the purchases and it has not been possible for them to send me this information. 
4. Also in these calls I clearly stated that I am unaware of any purchase that has not been made in these two stores, however I have not obtained any favorable response, on the contrary in XXXX I received a communication in which they sent me a letter in the one that informs me that I must assume the balance because I never reported which were the fraudulent transactions, it is important that all calls are recorded and can corroborate this information. 
I wonder how I am going to identify the transactions if it has not been possible for them to send me the statements? 
5. Additionally, through the homedepot.com-mycard page, I also submitted two claims explaining what happened and requesting the sending of the statements to carry out a detailed review of my account, claims were answered saying that the statements would be sent, but I never received them. And not to worry that they had zero tolerance for fraud, however then they send me a communication as I mentioned above that I must pay the balance. 
6. On the other hand, I went to a XXXX XXXX store to have copies of the receipts printed for the purchases that appear with my card and I find that with this card number there are transactions from years prior to the date on which I I requested the card, in stores that I never frequent and among those I was also able to identify that days before the card was issued, a purchase of electrical appliances for a value greater than US XXXX on XX/XX/XXXX, that was not made by me and the order was delivered to an address with which I also have no relationship. 
7. I have been making my payments normally and on time, but this situation is unsustainable if we take into account that to date my debt amounts to the sum of {$9300.00} and that there is an overflow of {$1800.00} us. 
Therefore, I request your collaboration in order to obtain a response from the Bank and a solution to this problem that affects my income and my credit report.
Product: Debt collection

I got an {$830.00} debt from the XXXX XXXX sent to M.A.R.S INC in XXXX Oklahoma. they said if I did not pay the debt my credit would be impacted and that I would not be able to rent from anywhere else. I have called to dispute this charge on XX/XX/23 and it's XX/XX/23 and still no reply. {$300.00} of the charge was because a grant was supposed to be placed on my account that XXXX XXXX gave to a different property. I am not paying for things that are not my fault. the communication with this company is terrible. I do not feel comfortable paying a company that doesn't offer reciepts unless paid in person & just sends balance updates unless your debt is paid in full.
Product: Credit reporting or other personal consumer reports

I demand that all charge offs be removed from my credit report because according to 15 USC 1681 ( 2a ) ( I ) all charge offs are considered a transaction and income on all Corporation or Banking institutions Ledgers. They filed 1099c on all these charge offs and failed to report them to me according to the IRS. So, they must be removed. I also did not give permissible purpose to let ANY organization report ANYTHING on my credit. If I did, I am now revoking all authorization for doing so. I'm also demanding that all inquiries be removed because my Information has been compromised on 6 different occasions by these companies 1. Equifax 2. XXXX  3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX and i can't remember the 6th one but it was some medical information that got compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian Credit Reporting on Monday, XX/XX/2020 because I applied for a loan and was told that Experian Credit Reporting shows I do not have any credit. After speaking to 3 different people I was told that there was an " internal issue '' on their part related to a split file. I was told that it would take 4 to 5 business days to have my credit corrected/restored. 

I called Experian again on Friday, XX/XX/XXXX and was told that my file still hadn't been correct/restored. They said it was only 4 days so I should check back next week. 

Today, Tuesday, XX/XX/XXXX I checked online and saw that they still had not corrected/restored my report. I called for that first time at XXXX XXXX. I was placed on hold and then hung up on after 15 minutes. I called again and asked for a supervisor. I was transferred to another person ( not a supervisor ) and once again placed on hold and hung up on again. I called back again and asked for a supervisor, it's been 1 1/2 hours since my original call and I am on hold again.

I was told that their " Dispute Department '' is the one handling my file. When I asked to speak to them directly I was told they don't have telephones. 

I understand that we are all operating differently due to COVID-19 but this is totally unacceptable. All I want is an answer as to when my credit report will be corrected/restored.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me an email to check my credit report as a new account was added, it was a refinance of a current loan and was fine but while reviewing all I notice one of my old accounts that is over 7 years of is still be reported, this is a breach of the FCRA!! The account was with XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I tried to dispute on with Experian but it would not allow me to do so and I also tried with XXXX  and as usual could not get in to do so! I want it removed and all of them fined for misreporting my information AGAIN!
Product: Credit reporting or other personal consumer reports

I requested to update the limit being reported by XXXX because it is incorrect when it was showing XXXX to the correct number XXXX. They updated it on my credit report and now a couple months later XXXX has changed it back to XXXX on my credit report. I checked with state employees credit union and they said it is still a limit of XXXX. Disputing it with XXXX did not work, they said {$1000.00} was right.
Product: Debt collection

Company has called myself and my parents and threatened to have me arrested and I have no idea what this debt is for. They have failed to provide verification multiple times and are refusing to delete this from my credit report. I want this account to be seized immediately.
Product: Debt collection

My sole income is Social Security XXXX and Supplemental Security Income. Rubin & Rothman started sending me collection letters on XXXX XXXX regarding a credit card from XXXX XXXX XXXXXXXX. I sent immediatedly a cease-and-desist email indicating that my sole income were federal XXXX benefits, which are exempted from garnishment by federal law. 

That was not enough for Rubin & Rothman, and they sued me in state court on XX/XX/2023 without serving me the papers. Fortunately, I got to know about the lawsuit on time by checking the courts online database and responded to the court. 

Rubin & Rothman knew that my case was an automatic dismissal, but they continued with their harassing letters threatening me with future legal action if my financial situation improved even if they could not collect currently. 

I filed for bankruptcy on XX/XX/2023, which orders an automatic stay while the case is resolved, and submitted the corresponding evidence to the state court. 

Rubin & Rothman wrote a collection letter on the same date of my bankruptcy filing and another the following day after the bankruptcy court notified all my creditors of my filing. 

Two months later, Rubin & Rothman had no option but to petition the state court to dismiss their lawsuit, and I received my discharge one month later.

This complaint is about three violations : ( 1 ) attempting to collect a debt from exempted income even after the debtor notified Rubin & Rothman in writing ; ( 2 ) inflicting emotional distress by threatening a XXXX debtor with future reviews of the case, including legal actions ; and ( 3 ) sending repeated collection letters, one day after the other, with the sole purpose of intimidating the debtor in violation of the automatic stay from the bankruptcy filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$80.00}
Product: Credit reporting or other personal consumer reports

After reviewing my credit report and found errors regarding my payment history on certain accounts. I have never been late on the following accounts. According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. These errors have significantly impacted my livelihood by preventing me from obtaining other credit Account name XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX {$1000.00} XXXX XXXX  Account number XXXX XXXX XXXX {$500.00} XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few years I've been reporting over and over again that I was placed into a hardship forbearance for my student loans and did not have to pay. Transunion and XXXX are both reporting my credit as being late 30,60.90,120 days late and this is destroying my ability to do anything - I have no late payments on my credit report except for this false information - Yes, the payments will still be there but they should be blanked out with no information for all of the months that I was on forbearance ; not show up as late payments - I wasn't late Attached will find the XXXX document ; along with screenshot of how it appears on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I paid my auto loan account off that was held by XXXX XXXX. Upon completing a home loan application in XXXX of XXXX, I was denied due to a derogatory charge off account on my credit report. Upon review, I discovered that my paid in full account for XXXX XXXX  was being reported as a charge off and not as a satisfactory paid in full account as agreed upon with XXXX XXXX. I have contacted the company several times to get this issue rectified to no avail. My final email was forwarded to the company on XX/XX/XXXX and no one at XXXX XXXX is willing to assist with this erroneous information being reported on my credit report. I have a clear title to my vehicle and XXXX XXXX has failed to uphold to the agreement.
Product: Vehicle loan or lease

My auto loan was sold to Santander in the amount of approx, $ 12k from XXXX on XX/XX/2018, which immediately dropped my credit score 35 points. It has never been reported by Santander to date. I have called multiple times, and spoken to several representatives who tell me that a XXXX will return my calls, but never do. They also tell me they are required by law to report this to my credit and that they report on the last day of the month. They did not report on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I was in the middle of purchasing a home when this happened and it hurt me significantly. They have done nothing to resolve this despite my many attempts of getting them to. They have refused to transfer me to their credit department an every call that I have made. Any assistance you can offer would be helpful.
Product: Credit card or prepaid card

I opened American Express XXXX XXXXXXXX XXXX card in XXXX. Since then, I clearly met the minimum spending requirement well ahead of the 90 day period ( {$3000.00} ) and have spent {$200.00} at home furnishing stores. The advertised promotional sign up bonus was XXXX XXXX XXXX + {$200.00} credit back for the purchase I made at XXXX XXXX. The agent confirmed that I am eligible to receive the offer when I inquire the timing of the offer, but later changed their stance stating that I was never eligible for the offer and stated that I consented to it. Which is not the case. I opened up an investigation and received another, yet same result that I was never eligible to received the offer on XX/XX/2021, again which I never consented to and the agent was able to confirm it at one point. Fraudulent practice.
Product: Credit reporting or other personal consumer reports

My vehicle was stolen on XX/XX/XXXX my insurance company resolved it as a total loss on XX/XX/XXXX XXXX XXXX XXXX and sent a check XXXX it was cashed XX/XX/year> by XXXX XXXX Ive never had one miss payment on my account for the whole duration of my loan. XXXX XXXX placed a late payment on my account for XXXX. They did not post my account was {$0.00} balance until XX/XX/year>. They stated they couldnt located the check so when they found it they posted to my account. I called and continued to get hung upon and was told that they will do an investigation and it could take up to. 45 days
Product: Student loan

I had my PSLF student loan recertified in XX/XX/XXXX and in XXXX my certification letter was complete and my loans were forgiven/discharged. In XXXX, Mohela, an office of the Dept of Education stated that the total of the PSLF qualifying payments was XXXX which is over the 120 payments. On the Mohela website which is an office of the Dept of Education that any qualifying payments over XXXX, would be automatically refunded to the borrower, myself. When I had contacted several Mohela reps during XX/XX/XXXX and XX/XX/XXXX they told me that I had XXXX PSLF payments, that I would get a refund for the XXXX extra PSLF qualifying payments. On XX/XX/XXXX I contacted Mohela again to find out when the paper checks for the refund would take, I was told that I do not qualify for the overpayments and that my loan was forgiven and no other action would happen. I was questioning why since the Mohela website state any payments over XXXX would be refunded back to the borrower. The Mohela rep dit not have a response to that when I had asked why it stated that on their website.
Product: Student loan

I have a variable rate loan that resets monthly on the XXXX. a couple months ago i noticed that the payment went up and started looking harder at is because several things happened that month where the payment should have been reduced : 1. the fed cut rates 25bps and libor reduced accorting ; 2. the day count was lower and 3, it should have been calculated off a lower principal balance since i'm current and the loan is amortizing. so when i questioned they said it was a " timing difference '' and the extra amount goes to principal ... i have been asking for proof of the calculation but they will not provide. they only provide my payment history. i want to make sure they are applying the excess interest to the principal ... .it doesnt appear they are doing so and i have no transparency into how excess is applied. i asked for the calculations, - what should have been the interest and principal amount, and what actually got applied ... thus showing the difference. they claim they can not provide me that information. i believe they are just pocketing the difference rather than actually applying it to principal. they sent a table but i believe it to be incorrect as they never recalculate the starting balance to reflect the excess payment so i'm always paying extra interest on the higher starting balance. it should be easy for them to pull those historical numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  ACCOUNT # XXXX AMOUNT {$680.00} XXXX XXXX XXXX RAN THIS ENTIRE BALANCE AS A LOSS, IT SHOULD NOT HAVE BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO BE COLLECT. 

THIS ACCOUNT IS RAN OFF AS A CHARGE OFF AND I NEVER RECEIVBED A 1099-C CANCELLATION FORM FROM THEM AND BECAUSE OFTHAT THIS ACCOUNT IS NOT ACCURATE AND SHOULD SHOW A XXXX  BALANCE.
Product: Student loan

Started making payments on my Parent Plus Loan to Edfinancial on XXXX XXXX. 
I have done 3 payments on the loan, on XXXX. Each time it has processed on there end but no payment has been taken from my back account. So Ed financial reversed the payment. All bank information is correct. I have tried to reach out to Ed financial and have not received any communication back from them. This will start to mess with my credit score if they don't get this straightened out. It needs to be addressed now by the government. It's messing with people 's lives.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCT # XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS DEPARTMENT OF TREASURY ( XXXX ) ACCT # : XXXX, HAS VIOLATED MY RIGHTS DEPARTMENT OF TREASURY ( XXXX XXXX ACCT # : XXXX, HAS VIOLATED MY RIGHTS 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 an 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 the information is inaccurate
Product: Money transfer, virtual currency, or money service

PayPal is fraudulently locking me out of my own account. When I tried to log in, the bogus phone verification page pops up and it does not work at all. Seems to me, they do this in order to lock people out of their account so hopefully they can keep the money in the account.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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