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

My name is XXXX XXXX. I have previously had an account with huntington bank prior to moving across the state. I work XXXX hour days in XXXX XXXX and found out earlier this summer I would be XXXX back near XXXX XXXX. While preparing to make the XXXX hour move I opened a Huntington account up and had a few deposits posted. I used my huntington debit card # XXXX once during this time at XXXX XXXX since I still had my primary account opened elsewhere. My wallet and phone fell out of my pocket at this time in the parking lot and was picked up the next day after calling around the area. I opened my wallet and after a quick glance everything appeared there. I set up my direct deposit for my account and all was good to go. While changing my address in the app I found out my balance was negative. I had a few deposits in the account so this was alarming. I reached our to customer service after seeing transactions that I did not make. Customer service filed a dispute for me and said I would receive credit that business day. My huntington debit card, credit card from another bank, and ssn card were taken from my wallet while it had been lost. The next day I checked my account and there were not any credits. I couldn't log in. Customer service said my account is pending closure but I might get my money back if ruled in my favor. This is wrong!!! I work XXXX hour shifts XXXX days a week in XXXX XXXX to get the run around from this bank! I was previously a huntington customer, what a great welcome back! I have no issue taking this up with an attorney. An ftc identity theft afidavit and fraud block has been put on my credit reports as well with this mess. Huntington needs to refund me the unauthorized transactions immediately. This is ludacris.
Product: Credit reporting, credit repair services, or other personal consumer reports

ILLINOIS STUDENT ASSISTANCE COMMISION LOAN XXXX WAS PAID TO DELETE FROM ALL CREDIT BUREAUS. AND STILL REPORTING COLLECTION STATUS TODAY.! XXXX ANAD XXXX THE ORIGINAL TRADE LINE WAS FROM 2006 AND AND NOW IS TIME BARRED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$100.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX : {$130.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Equifax XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX : {$8300.00} XXXX  XXXX Balance : {$100.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I believe it was sometime in the summer of XXXX I had a major repossession from GM Financial for my XXXX XXXX XXXX. I tried to get my monthly payments lowered because I lost my great paying job and used only what I had left in my savings to pay for rent, car payment, car insurance, food and clothes for my son who was two at the time. I want to remove GM financial from my credit history and come with a settlement to dispute this situation.
Product: Debt collection

XXXX XXXX in XXXX XXXX, MN. Garnished wages for a XXXX XXXX XXXX debt that I did owe. I paid the debt in full. XXXX failed to submit the paperwork to the company holding the funds to have them released or tell the company where to send the funds. Instead, they set up another garnishment for an increased amount due to more interest accruing. Another payment ( now an overpayment ) was taken. They finally had submitted the correct paperwork and had all funds released, including my overpayment, to them. They sent a check, but failed to provide a full refund and kept a large portion of my overpayment. I've tried calling and offered to provide proof that the debt was paid in full on time and no additional interest should have been charged, nor should a second garnishment have been claimed, but they've refused to provide the rest of the overpayment and are keeping it.
Product: Credit card

After approximately 8 years of being with Sears Platinum Credit Card, having never missed a payment, with the exception of a week in XX/XX/XXXX, and recently by one week this Month both due to Medical issues, as I am XXXX XXXX, and my wife is XXXX, and being a XXXX, Sears CLOSED THE CREDIT CARD ACCOUNT AFTER 8 YEARS OF ON TIME PAYMENTS, an employee by the name of XXXX, claimed that it was those " XXXX late payments of less than a week in both cases, this year '' NEVER TAKING INTO ACCOUNT, LITERALLY, that we have never had late payments over the previous 7 years. 
SO they decided to close the account based on a review of THIS YEAR. 
And to ad injury to insult XXXX invited me to reapply in a local Sears store, and when I reminded him that I was XXXX XXXX he suggested reapplying online.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 and XX/XX/2019 XXXX XXXX XXXX ran hard inquiries on my credit without my permission.
Product: Consumer Loan

I expected to pay off the loan in 36 payments ; the payments are {$230.00}. 
I 've made 31 payments totaling over XXXX ; the most recent statement shows a payoff balance of over {$4000.00}. The original loan was {$2500.00}. 
I 've repaid three times what I originally borrowed and they say I still owe them {$4000.00}! 
I was XXXX years old when I made the loan and I feel like I was lead into a debt trap. 
I do n't know if this is illegal or not ... I think it should be ... I think it stinks. Is there no one protecting XXXX from this type of thing?
Product: Debt collection

This bill is regarding my XXXX XXXX XXXX done at a XXXX XXXX XXXX hospital in XX/XX/2017. The hospital bill was paid by the VA. This disputed bill is from the ER doctor who chose to bill me and not the VA timely. I am not responsible for this bill. AR Resources is the collection agency for XXXX XXXX XXXX XXXX. I have yet to ever receive a bill for this charge yet it appears on my credit report??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX charged off my account while account was current, with more than double the minimum payment being paid monthly. 

Most recent statement shows consistent payment over twice the minimum payment ( minimum payment {$120.00}, we have been paying $ 300 monthly since XX/XX/XXXX ) This card was opened in XXXX, and since that time, I have only missed 3 payments beyond the 30 day mark by a few days, and quickly corrected them, paying off these outstanding balances before the next payment due date. 

I am unable to reach someone to discuss the reasoning or erroneous nature of this charge-off. 

This charge-off has negatively impacted my life, and I may need to file bankruptcy as a result as it has ruined a loan refinance for my wife and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  has transferred my XXXX XXXX XXXX over to XXXX. Once I consolidated my student Loans, I was told by XXXX XXXXXXXX that the loans that they were reporting on my credit report would be deleted and that the XXXX loan would appear as XXXX large loan. The Individual Loans are still reflecting on all three of my XXXX XXXX, XXXX, Transunion, XXXX.
Product: Credit card or prepaid card

Comenity BJs Club MasterCard has been down for " Scheduled Maintenance '' for over a week now. 
You can not log into their website They are not being honest You can not call them If you contact them on Social Media they are giving canned responses.
Product: Student loan

I have 3 Issues with my loan service provider Mohela.

1 ) There is a glitch in the system that is causing my loan payment amounts to be calculated incorrectly when I am applying for the SAVE program : I have been in an IBR plan for almost a decade or more. I had recently learned of the SAVE program. When I used the online calculator to see which plan would lower my payments the most, it stated that the SAVE plan would bring my payments down to about {$75.00} a month. Multiple Mohela representatives on numerous occasions also ran the calculation and confirmed that it would be about {$75.00} a month. When I first submitted my application for the SAVE program with an agent 's help it was accepted but the monthly payment came back to be {$770.00} a month. This is not the {$75.00} a month I was told it would be through multiple people and calculators. This was on XX/XX/23. When I called to discuss the issue they stated that a glitch in the system seemed to be combining both my and my wife 's income. It is only supposed to use my income in the calculation. I am married but file taxes separately from my wife. The agent decided to resubmit the application to be processed again. 

On XX/XX/23 I was again approved, but again the payment was calculated incorrectly at {$770.00} a month. The same glitch, the same error. I spoke to another agent and they resubmitted the form again making special notes to draw the processor 's eye to the error in calculations. They said that Mohela is aware of the specific issue, it was affecting more than just me, and they are working on it. That third application was submitted on XX/XX/23. 

I recently received an email stating that my application has been delayed. I called on XX/XX/23 to inquire as my loan was due to go into repayment on XX/XX/XXXX. They said they were aware of the issue in calculations and placed my loan in a " processing forbearance '' until XX/XX/23 so they have time to fix the issue and so I wouldn't have to make that huge {$770.00} payment on XX/XX/XXXX. 

My concern is that this issue will not get resolved. I should be able to have my loan processed correctly, separating my and my wife 's income to receive the {$75.00} a month payment. The glitch in the system is troubling.

2 ) My second issue is how this problem affects my PSLF standing. I have been faithfully fulfilling my obligation towards my PSLF forgiveness through working in a nonprofit for almost 10 years now. I am so close to the 10-year mark. It is nice that Mohlea is putting me into a " processing forbearance '' while they figure out the issues with my application processing but I was told that during this forbearance I will not get credit towards my PSLF payments as has been the case throughout all of the COVID pandemic and when I actually was making payments prior to the pandemic faithfully and on time. I don't feel that I should be penalized, and not be able to get PSLF credits because I am being put into a " processing forbearance '' due to a glitch in the system.

3 ) Long hold times to speak to representatives at Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, please correct the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : XXXX XXXXXXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$27000.00}.
Product: Credit reporting

Information such as 4 collections and 9 inquiries were deleted from my transunion credit profile on XXXX and were readded on XXXX. I tried disputing the incorrect info and transunion did not comply to any of my concerns on XXXX
Product: Debt collection

Debt collection is for a person that has never lived here. Told Trans World Debt Collectors to remove our number from this person. They continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed inaccuracies on a public record bankruptcy on my transunion report. On XX/XX/XXXX transunion responded that it had been updated. The information they gathered is not from the bankruptcy court as they have informed me by letter that they do not validate debts. Per FCRA 623 ( a ) ( 5 ) : " If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. Public records information is NEVER validated by the US Court sudden due to Fair Credit Restoring Agency PRIVACY LAW. They also closed student loans that are not closed staying they are included in a bankruptcy. There is no confirmed or open bankruptcy. This has made it impossible to obtain any credit.
Product: Mortgage

MY WIFE OWNED PROPERTY AND MORTGAGE AT NATIONSTAR XXXX, DUR.ING WITH TIME SHE HAD A H.A.M.P. MODIFICATION AND HAD TO PAY FEES TRU XXXX XXXX OR XXXX. THEY WITHDREWW ALL MONIES FOR {$18000.00} WITH OUT MY PERMISSION, THESE FUNDS WERE EXEMPT AND DEMANDING BACK ENTIRE AMT.
Product: Credit reporting, credit repair services, or other personal consumer reports

late payment reported on XX/XX/2021. All payment was paid on time direct deposit was set up.
Product: Checking or savings account

I have advised Chime XXXX times that someone keeps changing my email and phone number thats causing me not able to login Chime asked me to send in my ID in my email address and phone number I did that XXXX times within one day but the situation continues to happen someone keeps changing my email and my phone number then Chime advised me to change my password I change my password over 12 times and the situation still is continue every time I change my password and look into my account my money is gone they have taken {$290.00} out of my account and they have taken {$320.00} out of my account that I work for on my job every time I call Chime they tells me I dont have an account and I advise them that my email and phone number keeps changing and thats why you can not find my account they are taking me through the mail about getting my account straight I shouldnt have to keep sending documents to prove that this is my account when I asked Chime to make knows that my email and phone numbers should not be changed at allThe situation still continue.
Product: Prepaid card

I received an AMEX gift card from my employer and have tried to use it online at several different retailers. The card keeps getting declined. My balance ( {$1000.00} ) is well over the amount I am attempting to charge ( {$300.00} ) and I am receiving error messages when I try to add to my XXXX account. 

This card is such a headache and not accepted at major retailers like XXXX, XXXX, XXXX, XXXX XXXX, etc. 

Would never recommend this prepaid card option to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is being reported without proper verification. Company refuses to provide verification for reporting.
Product: Credit reporting

Equifax and XXXX are reporting a false Judgement lien from like New Jersey that is not in any way personaly related to me and I ca n't seem to get Equifax and XXXX to remove it from my reports. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am requesting information on my delinquency or derogatory behavior. I want any potential negative information to be confirmed and would like to know the absolute truth and facts about it, even if it is certified. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX  XXXX, " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.
Product: Debt collection

XX/XX/2015 my XXXX store credit card was declined at a XXXX. It turned out that I had missed my XX/XX/2015 payment by accident because I never received my bill. Once I learned this I immediately paid my bill in full ( posted XX/XX/2015 ). When I went online to pay the bill, I saw a message that XXXX was " actively collecting a debt. '' ( Yes, after only missing one payment. ) In XX/XX/XXXX ( after I had paid my debt in full ) I began receiving messages on my cell phone from " Merchants Credit '' XXXX stating that they were " trying to collect a debt. '' I 've received four such messages since then, including today ( over two months since paying the debt in full ) and the messages sound like robocalls and are very generic ( not stating my name or the name of the merchant they are calling on behalf of ). I do not currently owe debt to XXXX or to anyone else. I pay my accounts in full and on time. " Merchants Credit '' is therefore making continued attempts to collect debt I do not owe. I have not returned their calls because of this fact and I would like their calls to stop.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I purchased an item using PayPal via a credit card on file with them. The vendor is located in XXXX, and the credit card used does not charge international transaction fees. The item was priced at EUR XXXX, for which PayPal charged my card {$670.00}. Upon realizing that the exchange rate listed did not match the published exchange rate ( the charge should have been approximately {$640.00} ), I immediately requested a refund from the vendor. The vendor provided the refund on XX/XX/21. PayPal, however, refunded only {$640.00}. Upon pointing the error out to PayPal, their response was that they charge an international currency fee, and that it won't be refunded. The fee is not disclosed on their pay page. The only indication is that the exchange rate does not match the charged amount. One would need to do the math on the fine print of the exchange rate to realize this. After several exchanges with PayPal they refuse to refund the charge, stating that they would only refund it if the refund happened the same day. The reality of international commerce, especially overseas, is that time differences make a same-day refund almost impossible, even if the request is made and responded to in a reasonably timely fashion. There is no disclosure of the fee on the pay page, and they won't refund it even if the vendor refunds the payment. This is unethical at best.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXXXXXX XXXX XXXXI do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. there should be an Immediate correction to my credit report, I demand this account be removed from my credit report The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXXXXXX XXXX XXXX  XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b )
Product: Student loan

In or around XXXX I was sold classes to XXXX XXXX. I even moved to be close to school. I attended school for XXXX years. I had to leave but paid off my loan. Now the school is closing and I am trying to get what I paid for which is proof I attended and get credit for those classes I did take via transcripts. I was told by company that I am directed to by XXXX they are unable to locate my transcripts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealership to get a loan for a car and they told me that I have numerous hard inquiries on my report so I wasn't going to be able to get approved for a car.
Product: Credit card

Applied for Synchrony Bank Gapcard on XXXX XXXX, 2013 and was approved. Synchrony hardpulled my credit on that same date. It has been more than two years since then, and by law, this inquiry should be removed from my credit report. After looking yesterday, it was still on. I called yesterday and this has still not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, formerly XXXX, was a servicer on one of my student loans. When I consolidated my loans with the Dept. of Education, XXXX was paid in full. However, they reported that they were not paid and were attempting to collect the debt through collection attempts. When I contacted the Dept. of Education, they informed me that XXXX was paid in full and should not have attempted to collect the debt and needed to correct my credit reports. Then I contacted the Ombudsman Dept. who also stated that the loan was paid in full in XX/XX/2014. Although the Dept. of Education showed that the loan was paid in full, XXXX refuses to correct my credit report ( late payments, delinquencies ) and it is impacting my credit. I have attempted to resolve this issue with them on multiple occasions without any success. Even though the Dept. of Education and the Ombudsman Dept. informed them that they were paid in full, they still refuse to remove the credit inaccuracies. I need assistance with this matter as I am attempting to purchase a home and it is impacting the lender 's decision. Thank you.
Product: Debt collection

Law firm Pressler & Pressler filed a judgement against me without providing any correspondence /communication. Ive now received a notice of a bank levy. This firm was fined in 2016 for operating illegally yet they continue to do so? When will they be stopped? 
I was not able to disputed nor have they validated this debt. 

Please help!