23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Company causing an issue : PayPal. 

PayPal is a U.S. company with a long history of inappropriately holding customer funds without cause. Kindly note, I am a XXXX  citizen, currently travelling, in XXXX XXXX at the time of sending this email. 

Date and nature of attempted transaction : Simple transfer of funds from my own PayPal account to my own bank account, as done countless times before. Between XX/XX/2019 and XX/XX/2019 Amount being held by PayPal without reason : XXXX GBP Issue : I have held a PayPal account without any complaint, issue or breaches to company terms of use, for approximately 10 years. In recent weeks, PayPal have put a hold on my account and requested that I provide identification for myself ( that I am who I say I am ) and for my home address. I am effectively locked out of using the service and have made at least three attempts to provide the demanded information. PayPal demanded that I submit a copy of my passport and a current bank statement. I have submitted this information via their online pathway several times and remain 'locked out ' of using the platform. I have not had any communication from PayPal to advise why, and for how long they may hold my money, which though not a large sum, is very much needed. The information was definitely received by PayPal, but it has appeared to make no difference to the hold they still have on my account and my hard-earned money. Without any reason provided. The error message states : " You have an account alert We need more information to resolve a problem with your account. '' As detailed above, I HAVE provided this required information and they still refuse to communicate with me, or release my money. 

In my research on how to resolve this matter, I discovered that this is common practice with PayPal, and even for MUCH larger sums of money, causing extreme distress, even to honest customers with a good track record, regarding terms of use. 

To resolve this matter, I would be happy to have PayPal release my own funds back to me, and ideally apologise for their poor service despite my loyalty. If the company demand that I no longer use the system, I would very happily comply with this as I have lost faith in PayPal. 

This issue is causing me severe XXXX distress due to the fact that I have medical concerns at this time, and need to have access to my money to prepare for XXXX. 

Thank you so much for any support or advice you can provide.
Product: Credit reporting or other personal consumer reports

The vehicle was stolen and covered by insurance and cap insurance. The car company is reporting that a balance is owed even though they received payment from the insurance and gap insurance companies. During phone calls after the vehicle theft, loan company told me to cease payments but are now showing a balance for interest incurred between the theft and when they received payments from insurance company and gap insurance company. Loan account was never late and is paid in full but loan company is reporting a balance due and late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on XXXX credit card. This payment was reported late in XX/XX/XXXX. XXXX extended me an extension because of the Corona Virus. 

Overview You're currently using 86 % of your account 's limit. 
Balance {$3800.00} Credit limit {$4500.00} Minimum monthly payment {$78.00} Opened XX/XX/XXXX ( 3 yrs, 9 mos )
Product: Debt collection

I received one letter on XX/XX/XXXX that was dated XXXX stating I owe XXXX fr an auto accident in which I was rear ended by a XXXX, verbally abusive driver ( I did not have insurance and am handling that thru Sec of State Illinois ). I was called today XX/XX/XXXX on my cell during work and was told that my license will be suspended if payment not made and payment arrangements not satisfied. I was told I could not dispute this debt, could not seek court intervention and will lose all driving privileges if NOT PAID starting immediately. I agreed to a payment plan due to his threatening aggressive language and half truths. I reached out to the Sec of State as well. 
I emailed the rep I spoke to revoking any and all permissions to deduct payments from any and all bank accounts effective immediately ( XX/XX/XXXX )
Product: Debt collection

The Consumer Financial Protection Bureau ( CFPB ) finalized a rule on XX/XX/XXXX that prohibits medical debt from being included on consumer credit reports they sending me a medical bill on corona time XXXX for {$2800.00} and {$1700.00} i dispute it through credit bureau and they haven t taken it off the compamy name ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my name ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

I lost my {$3000.00} earnest money due to the fact that my lender a specialist XXXX XXXX XXXX at Truist bank and my realtor XXXX XXXX at XXXX XXXX did not complete their job! I also lost {$390.00} for inspection fee, {$690.00} for appraisal fee and {$41.00} for credit report fee. I didnt receive a closing disclosure. I was notified less then 24 hours before my closing date that i was not approved for the loan with USDA after being under contract since XXXX. Im a first time homebuyer and this is unfair to me. I did everything that i was supposed to do and my rate was never locked in.This is stressful, unfair and a huge disappointment to me and my family i was expecting to be settled in my new home for the holidays.
Product: Bank account or service

Fifth third Bank appears to be structuring their checking account transactions so as to generate more overdraft fees for themselves. More specifically, it appears as though they 're delaying the posting of transactions, and fees to generate more overdraft fees. I had an insurance payment of {$160.00} on XXXX, which showed as paid on XXXX by the insurance company. Fifth Third did not post this to my account until XXXX. Then, on XXXX before XXXX I made a withdrawal from a non-Fifth Third ATM. They did not deduct this from my available balance until XXXX ( posted on XXXX ). They also delayed tran non XXXX XXXX ATM fee they charged. It seems like they should charge the fee at the point of the withdrawal. The only reason to delay that fee is to misinform the customer on their true available balance ( resulting in overdraft fees XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF FAULT. EQUAFAX continues to report erroneous information that is not in uniformity with the other reporting agencies. This erroneous reporting is causing liability and possible irreparable damage not only int the private but also to my business. This is a continually yeah issue with Equafax in the event they can not correct us we will take legal action. Thank you.
Product: Credit card or prepaid card

I have received 2 emails stating a trial deposit has been successfully made to your XXXX XXXX XXXX ... I have called all the numbers listed on the websites and they are all bad phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did NOT apply for line of credit
Product: Credit reporting or other personal consumer reports

I have written letters for years to Equifax for validation of debt according to Fair Debt Collection Practices Act I have disputed these items dated back to XXXX, Every time I ask for validation they never have given me any validation that I request and they have never removed this inaccurate information from my credit report keeping me from having the ability to purchase a home for my family and other things that would help my lively hood I would like to have this information be removed and taken off my credit report according to my rights through the Fair Debt Collections Practices Act Thank you
Product: Mortgage

I received correspondence today XXXX/XXXX/2016 from Carrington Mortgage in the name of my ex-wife only. Please see attached correspondence addressed to my ex-wife labeled " Carrington Mortgage 1 ''. When I called Carrington Customer Service at XXXX XXXX XXXX XXXX to request that correspondence be mailed to me as the primary account holder, I was advised by the telephone service representative to re-finance my mortgage! I simply wanted to have correspondence addressed correctly to me. When I stated my request again, the telephone service representative spoke with the " senior specialist '' XXXX in the Indiana branch ; XXXX ID number was XXXX. The telephone service representative advised me that XXXX advised her of the same thing : for me to re-finance my mortgage! This telephone conversation occurred on XXXX/XXXX/2016. My XXXX mortgages with Carrington Mortgage were recently sold to Carrington Mortgage by XXXX XXXX XXXX, and in the approximately 10+ years that my mortgages were at XXXX XXXX XXXX , I never once received correspondence from XXXX XXXX XXXX XXXX my ex-wife 's name. I am writing this complaint to demand that Carrington Mortgage properly and legally address correspondence for my XXXX Carrington Mortgages to me as the primary account holder or be addressed in both my name as my ex-wife 's name as was done in recent correspondence by Carrington Mortgage. Please see attached document labeled " Carrington Mortgage XXXX ''. It came as a shock for my wife to see correspondence addressed to my ex-wife at my home address ; also for legal notification purposes, as the primary account holder, my name should be addressed on all correspondence from Carrington Mortgage.
Product: Prepaid card

I received XXXX {$100.00} American Express XXXXXXXX XXXX XXXX for XXXX, XX/XX/XXXX. The expiration on the card is XX/XX/XXXX. Today is XX/XX/XXXX. I called the customer service line to get new cards issued and they're response was : there are no longer funds on the card, we can not issue a new card because there are no funds, and there isn't anything they can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is falsely reporting I paid account late from XX/XX/XXXX until XXXX of XXXX! I made all payments to XXXX and the payment was on time! This is fraud XXXX XXXX XXXX is committing! Also the credit Bureaus all three refuse to remove the false late payments from my credit report! 

I paid the car loan off in XXXX! Because of XXXX deceitful business practices! Due to XXXX fraud of reporting my payments late my credit is ruined! My score will XXXX below XXXX and this false late payments information XXXX is reporting on my credit is hurting me because I being denied a home! Cant get an apartment nor credit! The late payments were removed and in XX/XX/XXXX XXXX reported to the credit bureaus these false late payments! I made all my payments on time and never was late! I paid the loan off in XXXX and to date the credit bureaus is unlawfully saying this account that I opened in XXXX and paid off in XXXX will remain showing these late payments until XXXX! This is against the Fair Credit Laws! I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am making this complaint for myself there is no third party involved. I did not consent to, authorize or benefit from the following inquiries. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. '' I sent in an identity theft affidavit over 30 days ago and still have not received a response. The credit reporting agency is now in violation of 15 USC 1681c-2 and 15 USC 1681e .
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems that my credit file has been compromised. I have no idea what is going on over there at the CFPB. I have submitted the same complaints for several times already but still these accounts are visible on my Equifax credit report. Since Im a hardliner for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you FTC # : XXXX. Please block/remove these files US DEPARTMENT OF EDUCATION XXXX XXXX XXXXUS DEPARTMENT OF EDUCATION XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX... XXXXUS DEPARTMENT OF EDUCATION XXXX .... If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled promptly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph
( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : 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 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 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: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Product: Debt collection

This company, Midland Credit Management, has harassed me in calling multiple times over a short XXXX to four-hour period. Today they did it again, calling multiple times over a very short hours-long period. They are also using different phone numbers that come up on my phone to call from. This first started in XXXX, XXXX through XXXX, XXXX, with up to XXXX calls per day, all within a short hours-long timeframe. It then started up again today, XX/XX/XXXX, with the multiple calls.
Product: Money transfer, virtual currency, or money service

Hello, I 'm a XXXX XXXX XXXX XXXX that uses Coinbase.com to sell my virtual currency. I have not had an issue to doubt their integrity until just a few weeks ago as my previous experience with XXXX is rather painless. I submitted a wire transfer withdrawal from my XXXX account to my XXXX XXXX XXXX checking account for the amount of XXXX The website advertised there is a 3 day delay at the time of submitting this withdrawal wire. I waited 3 business days and opened up a support ticket on their website which was answered promptly, but with a generic message ( summarizing ) " the services are delayed due to high volume ''. Fair enough, it was a high point in the crypto-sphere, I can understand there is lots of volume. So I waited some more and posted a response to that same support ticket ( case XXXX ) asking for an update which was on XX/XX/XXXX. No response so I posted once more on XX/XX/XXXX for an update, no response. It 's now been 13 business days and no one is taking ownership of this issue. I believe there are more people impacted by this as social media is also reporting lots of failed communication attempts. 

I called my bank to verify that the wire was not rejected and they confirmed no wires are pending or were rejecting to my account. 

I am hoping you can help as this may be a small amount of money to some, but for me it 's a relatively large amount. The reference code given to me by Coinbase for the transaction is XXXX and is marked complete on XX/XX/XXXX I am hoping you can help.
Product: Student loan

I cosigned on a loan for my son with sallie mae on XX/XX/XXXX after my son made 24 on time payments he requested and sent a cosignor release form for me to be released as cosigner we were told it was processing after my son made payments for XXXXXXXX XXXX he had to file bankruptcy in XXXX of XXXX at whichtime the loan was XXXX i had not heard anything from Navient about this loan for XXXX yrs until recently telling me the loan is in repayment status I am XXXX old and my only income is social security i have no means to make any kind of payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on several occasions reached out to ask this company to verify a debt, they claim belongs to me as me and my son have the same name. He is a junior and I am senior. Thye continue to say its verified and I ask for something to prove this. I have yet to receive anything from them. Please send something verifying that this account belongs to me or remove it from all my credit reports. 
Please do not continue to ignore this request. I dont want something on my credit report that doesnt belong to meet and continues to hurt my credit. 

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

XXXX ,  XXXX  and  Trans Union are ign oring my numerous requests to investigate and remove accounts from my credit reports that do not belong to me.
Product: Student loan

I have been XXXX  full time in a XXXX  XXXX  for 19 years. I decided to earn my XXXX XXXX XXXX and my XXXX XXXX XXXX XXXX certification. My original loan and XXXX XXXX was with XXXX College, SC. 
I submitted my first PSLF request that got denied based on wrong types of loans about 5 years ago. I had called my loan servicer XXXX XXXX XXXX   multiple times when the PSLF was announced being told by mulitple loan reps that I was on track for the forgiveness and had the correct loan. I was told to keep paying my minimum payment and at the end of 10 years the balance would be forgiven. So I was blatantly lied to. 
Then at the 10 year mark, I submitted the form only to be denied for the wrong loan types. I was then advised to move my loans to FedLoans service. They charged me about {$500.00} to consolidate my loans as well. I paid the consolidation fees and moved my loans. I have now paid on my loans for about 14 years. In the last couple months I found out about the Temporary Forgiveness Program so I was told to resubmit for PSLF and if it was denied I could then apply for the Temporary. The PSLF was denied yet again in XX/XX/2019. When I called to apply for the Temporary I was told yet again that I had the wrong loan types and couldn't even apply for the Temporary Forgiveness Program. 
Please help. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

my address is XXXX XXXX XXXX XXXX, MD, XXXX Kindly delete all old addresses.