23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

MOHELA is inaccurately denying public servants of their right to PSFL forgiveness and payment counts by denying their eligibility even though the US Department of Education provides employers as eligible. In example, my employer, XXXX XXXX, was denied and i was sent a letter from MOHELA dated XX/XX/2022 that they are a for profit organization and therefore i do not qualify for PSFL. This is FALSE. XXXX XXXX is a 503 ( c ) non-profit organization that is eligible per the Department of Education. I had to wait on hold for over an hour to talk to someone at MOHELA. If they can not accurately process forms and are going to inaccurately deny PSFL to those who rightfully qualify they should not be servicing loans! They are notorious for misleading consumers and lying. THIS MUST STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 - 60 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) Also, XXXX  is reporting this account in duplicate. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates, as well as a duplicate account, is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit card

On XX/XX/2024 I played for American Express platinum card ( Ref Number : XXXX ) and was denied an extension of credit they obtain my credit report from XXXX in which I did not give consent to XXXX nor did I receive an opt out option before experience had given American Express my credit report they solely made there decision based off my report witch is against 12 CFR 215.3 - Extension of credit Additionally, 15 U.S. Code 1691 - Scope of prohibition states that creditors can not discriminate against applicants based on certain factors, including public assistance income or exercising rights under the chapter 2 Furthermore, 1002.7 Rules concerning extensions of credit, prohibits creditors from refusing individual accounts based on sex, marital status, or other prohibited factors.. and also I provide them with an application that was signed by me and that they will trade and profit from and I was never compensated for my application.
Product: Vehicle loan or lease

I sought counsel regarding this matter in XXXX after making the last payment in XXXX of XXXX. 
In XXXX of XXXX an attorney assisted me in drafting a letter to XXXX XXXX, auto lien holder, regarding disputed outstanding balance and the payoff amount and date. 

Interestingly enough, the vehicle was repossessed on XXXX XXXX, after five years of being paid off. 

Of course, I no longer use this as my primary vehicle, but was nevertheless shocked to find it missing out of our driveway. 

My husband called the sheriffs office to report missing and to our surprise we were given a number of a towing company. 

The towing company stated they were given a work order from XXXX XXXX and I requested a phone number because I didnt have any communications with them and the car has been paid off nearly five years.

The representative asked me to prove that I didnt owe on the vehicle. I explained this matter was settled years ago with the original lien holder and I have not received any correspondence regarding this matter. 

This must be one of the most outrageous experiences Ive ever had. I would like to : 1. Understand my consumer rights of debt notification, 2. Determine how to get my sons car back, and 3. Determine what recourse we may have to sue for wrongful repossession, attorneys fees, and wasting our time and energy explaining why I do not owe an outstanding balance on a XXXX vehicle that was paid off five years ago. 

Can you please let me know your availability for a discussion? Thanks in advance.
Product: Money transfer, virtual currency, or money service

Paypal is the people I would like to complain about. 

I had a paypal account that i had for many years, and I suddenly started getting these fraudulent requests for refunds. They created complaints against me with PayPal, saying I didn't send them the goods they paid for and never recieved ( i wasnt selling those goods or anything for that matter ), or I broke into an apartment ( in a XXXX  when I live in XXXX  ) and stole items from him. There were multiples of these, and their money was never deposited into my account. There was later two transactions that paypal had put on hold and never released funds into my account and paypal still refunded their money. It's like these transactions were done and immediately went to complaint status. I contacted paypal on each of these, gave them transaction history to show that i never recieved funds from these people. They automatically sided with the buyer and gave them the refunds, taking money from my account that had XXXX dollars in it. Now I am XXXX XXXXXXXX, and they have been calling me three times a day, after i spoke with them about the situation, and now I have a notice that they are sending me to collections. When I reported these issues via phone, paypal message, or a response to the buyer complaints. They were rude, on the phone, didn't look at evidence, respond to my messages, or give a XXXX about the seller. I even told them that I was being scammed. When they called for the pay back they demanded half, they would not budge to even try a payment plan. 

I am so frustrated, I will avoid dealing with them at all costs.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX  Balance {$100.00}
Product: Student loan

When I was first out of college and underemployed or unemployed the company consistently steered me towards forbearance and deferment, this took my loan balance went from the initial {$55000.00} to over {$72000.00} by the time I was able to get on my feet and find a good job. I feel like I would have been better served by a IBR or other program, but when it came to setting that up the documents would n't go through for on reason or another.
Product: Credit card

XXXX significant things. First, Citi failed to follow California law when dealing with my billing dispute ( which involved a vendor charging me but not sending me what I ordererd ). They claim that they do not have to follow XXXX law, however, the law clearly applies to a transaction between a CA vendor and a CA buyer. Second, while trying to resolve my dispute with Citi, they made over XXXX collection attempts, which included XXXX disturbing telephone discussion with a Citi collection agent who was very aggressive and threatending, and who indicated there was no record of any dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I previously contacted XXXX, Transunion and XXXX in regards to account listed on my personal credit report that is listed as a Charge off/ Collection. The account is listed as XXXX XXXX with an account number attached as such : XXXX. This vehicle was completely paid off with no balance owed by XXXX in 2018. This company is continuously reporting false and incorrect information on my credit report which is not a reflection of my character. After contacting these credit bureaus XXXX founded that this account was placed on my report with incorrect information and no balance was owed at any time and DELETED the account. Transunion and XXXX are not completing their due diligence which is greatly affecting my life. I have asked several times for documentation which legally validates the account which they continuously fail to provide to my person. These companies are including fraudulent information on my credit report from companies who pay their salaries and not acting in the best interest of the consumers. These practices are malicious and indecent. How can one company come back and state their information should have not been placed on my credit file and deleted it but these companies are sending letters to my address stated VALIDATED with no validation information or documents. I want this account reinvestigated immediately providing these bureaus with 15 days because I previously gave them more than enough time and information in the past. I would like all findings and conclusion correspondence via CFPB and then an updated copy of my credit report to be mailed to my address. I do not want this complaint closed until the investigation has been completed and I am providing with all documentation in the event they say the account is Validated. I am seeking payoff documentation and all payments XXXX XXXX received from XXXX, all notices I was forwarded in regards to a balance, the original contract associated with this account, my signature bared on the original contract and all documentation produced to your party.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX WF XXXX Checking Act # Wells Fargo charged me three {$35.00} overdraft fees on XXXX XXXX, 2024. I deposited {$300.00} XXXX XXXX, 2024. Wells Fargo said it hadn't processed my deposit yet. I want Wells Fargo to remove all three {$35.00} fees. They said they would only remove two {$35.00} fees. I said they need to remove all three. I told them I was a good customer and that I was a senior citizen. I have had problems with them before with the same complaint. I do not like the fact that they did not acknowledge that I was a senior citizen and that I was a good customer.
Product: Credit card or prepaid card

I received an offer from Capital One for a 0 % introductory rate on purchases AND balance transfers until XX/XX/2024. Applied for the card using the QR code in the mailing and received it, but when i inspected the rate on the account after it was opened the 0 % rate was only applied to purchases. On XXXX I contacted the company to receive clarification and was told the rate only applied to purchases, not balance transfers. Even though the mailing clearly states balance transfers. I spoke with a supervisor, still told the same thing. They would not do anything to correct the problem. The only reason I opened the acct was for the balance transfer rate. This is deceptive and predatory.
Product: Credit card or prepaid card

In XX/XX/XXXX, we signed the paperwork with XXXX XXXX, XXXX Design Consultant @ XXXX XXXX, for window replacement/installation project in our summer house in XXXX, NY. I opened a Home Depot credit card as part of the deal and began repaying the deposit for this project ( XX/XX/XXXX - {$500.00} ; XXXX - {$200.00} ; XX/XX/XXXX - {$200.00} ; {$900.00} all together ). In XXXX, we got our windows measured by another XXXX XXXX employee. In XXXX, we scheduled the date for installation - XX/XX/XXXX, Saturday. We were very specific about a Saturday appointment as we live in XXXX and can only come every other Saturday. For the past XXXX weeks ( before XX/XX/XXXX ), we would get reminders a few times a week- via text messages, e-mails, and voice mails- about the upcoming installation date asking us to be in the house between XXXX and XXXX a.m. and reminding us about the importance of removing everything XXXX feet away from the windows. As law abiding and loyal customers, we came Friday night ( XX/XX/XXXX ) to follow the instructions. At XXXX (!!! ) a.m., we got a phone call from XXXX XXXX ( XXXX ) who told us that they had to cancel an appointment since they didn't have installation crew... He failed to answer when I asked him if he had found out about that issue at XXXX a.m. on Saturday. We were upset to the point my husband had to take his XXXX XXXX XXXX medication and pain relief pills. It was so unacceptable and unprofessional on the XXXX XXXX! 
We explained to XXXX XXXX that we are not available in XXXX- the whole point of that project was to get the windows replaced before winter. I tried to reach someone at Customer Service to get help. It was not easy as it was Saturday. I spoke to XXXX ( XXXX XXXX at XXXX, ext. XXXX ) who assured that XXXX XXXX ( XXXX XXXX ; ext. XXXX ) would give me a call the first thing on Monday, XX/XX/XXXX. Today is Monday XX/XX/XXXX ; no one has contacted me. I had to call these people myself : XXXX did not pick the phone and did not return my message ; XXXX again promised someone would contact me. 
Now, I am trying to close the XXXX XXXX card and get my money back ( {$900.00} ). Credit Card XXXX explained it is not up to them. XXXX XXXX Customer Service explained it is not up to them. Who is it up to??? We are so disappointed with the way they speak and treat us when we try to explain the issue. 
Please assist us to cancel the deal, close the credit card, and get the money back. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau 's to do a thorough verification of my credit report, they did and stated everything was accurate. I did research myself and found improper inaccuracies still on my credit report even after they did their investigation. 

In accordance with the Fair Credit Reporting Act XXXX XXXX and 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

To Whom It May Concern, I appreciate you taking the time to read the following outline concerning fraudulent credit card activity. I have tried every reasonable measure I can think of, and would greatly appreciate your kind assistance. 

1. I noticed two irregular payments to XXXX XXXX on my Bank of America online credit card statement posted on XX/XX/XXXX ; one for {$61.00}, the other for {$66.00}. 

2. I checked my XXXX account : on XX/XX/XXXX, XXXX XXXX made two automatic payments ( unauthorized by me ) to XXXX XXXX XXXX for {$66.00} and {$61.00} using my Bank of America VISA Credit Card. I called XXXX to report the irregularity and was advised to take certain security measures, and to report the matter to my credit card company. They offered no further assistance. 

3. On or about XXXX I called the BOA Fraud department to report the irregularity. My credit card was canceled, a new one mailed and the funds were reaccredited to my account on XX/XX/XXXX. On XX/XX/XXXX I received a communication from BOA noting " Good news = your claim has been resolved. '' 4. On XX/XX/XXXX I received another letter from BOA stating that their decision had been reversed because of information from the merchant. Please note that this " research '' did not include any communication with me. BOA based its decision solely on representations from the merchant. 

5. XX/XX/XXXX - XXXX, XXXX I placed multiple calls ( at least 6 ) and spoke with various BOA agents on their fraud line. I was informed that the initial decision to refund me had been reversed, and now the best that could be done was to reopen the old case. I learned that the merchant was XXXX. Despite having transaction numbers and invoice IDs, no agent was able to provide me the specific name or location of the vendor. Further, I was advised since the merchant disputed the initial fraud adjudication, BOA policy is pay the vendor. They could not hold or refund again the disputed transaction amount. In essence, the vendor got the benefit of the doubt, and obligating me to pay pending their investigation into the reopened case. Again, no one from BOA ever contacted me to inform me that case had been reopened or to get any further information from me. 

6. I called XXXX on XX/XX/XXXX and asked for information concerning the vendor ( since they have transaction information ), was told that they could not provide me with specific demographics concerning the vendor. I was advised to call XXXX. 

7. I called XXXX customer service line on XX/XX/XXXX. The agent took the specific reference numbers, and then informed me that there is no record of these transactions. She told me that I would be contacted by an upper level research team with " more resources. '' It appears I am subject to fraudulent charges by an unidentified vendor. I have spent hours on the phone listening to automated robotic messages, on hold and talking with polite agents seemingly without authority to actually review the case and facts with my representation into consideration. 

Your kind assistance would be much appreciated.
Product: Debt collection

this is on a rental from enterprise claiming i owe XXXX on claim of an accident that insurance paid and now trying to get from me when the insurance company paid
Product: Debt collection

I got my check garnished from d credit card debt that was over 8 years old in va which is past the time they cab take it. And they never provide me information that the debt was mine they took the money before my court date in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written numerous letters disputing the accuracy of the bankruptcy listed on my credit report. My most recently dated dispute sent certified mail with hard copy return receipt postmarked/date stamped XX/XX/2022, I've AGAIN requested you provide me with the proper verification of the information you've entered in my credit file as well as provide me the process ( es ) and procedure ( s ) used to determine this entry is " certified as accurate ''. I included the letter I wrote to the bankruptcy court using the information you have listed in my credit file. I also included the response letter the bankruptcy court sent me stating the court doesn't provide any information to any business, including credit bureaus i.e. XXXX, XXXX XXXX, Equifax, XXXX XXXX, XXXX, etc. You've already completed the investigation stating the same " certified as accurate. '' Once again you've failed to provide me with the procedure ( s ), process ( es ), and documents used to verify this inaccurate information. I've included in this complaint a copy of the blank bankruptcy section of my XXXX XXXX report as it doesn't list a bankruptcy in my XXXX consumer file, however you have XXXX listed as the source of the bankruptcy entry and closed my dispute stating you've verified this information. Who did you verify the bankruptcy information with and where are the documents showing the information used to verify it. 

In each letter I requested your company mail me the documents used to verify the inaccurate bankruptcy information along with a copy of my FULL COMPREHENSIVE CONSUMER CREDIT REPORT which includes all information included and listed in my credit file by XXXX MAIL. 

Per the FCRA, 15 U.S.C. 1681 ( a ), your company has failed to perform your due diligence by fully and completely performing a proper investigation of the inaccurate bankruptcy you've listed in my credit file and on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment reported on my credit report for the account with XXXX XXXX Account Numbers : XXXX ). This late payment is inaccurately reported, and I am requesting its removal based on the provisions of the CARES Act. 
The CARES Act, signed into law on XX/XX/year>, amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under specific circumstances. According to 15 U.S.C.

1681s-2 ( a ) ( 1 ) ( F ), if a consumer makes an arrangement with a lender or creditor for payment accommodations due to the COVID-19 pandemic, any adverse credit reporting during this period is prohibited.

During the COVID-19 crisis, I made arrangements with XXXX  XXXX for payment accommodations due to financial hardship directly related to the pandemic. This should have protected my credit report from any negative reporting during the accommodation period. The late payment reported is in direct violation of the CARES Act amendments to the FCRA.

Your company is in violation of the FCRA and Metro Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On [ insert late payment date here ], you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report are not included on the consumer reports, yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXXXXXX Balance : {$34.00}.
Product: Credit reporting or other personal consumer reports

During an insurance issue, I was informed by customer service to pay my regular payment. Which was around {$1200.00}. 
Instead of the additional insurance money they were requesting for escrow. 

I made my regular payment calling into customer service twice. 

It was then sent to collections that I was not making my payment. I called customer service back and escalated it and was then told whatever they had told me was incorrect and I needed to pay the additional money or I was considered delinquent. I paid in full after receiving this information and asked to correct the error and fix my now damaged credit score. I had to speak with someone else. 
They said it should correct in 30 days since the payment was made in full. 

It did not correct. 

The XXXX XXXX XXXX later determined they made no error with this information and would not retract the delinquent notice and letter to collection. Therefore leaving my credit severely tarnished. 

Yet if customer service communicated this from the beginning I would have paid it all just as I have been making my payments on time since purchasing.