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

I opened a small business account with Pay Pal in XX/XX/2022 and they have put a hold on my money ( {$10000.00} ) and are holding it hostage. They will not allow me to transfer any of my money to my linked bank account. I have a business to run and need the revenue. 

They never mentioned that there will be limit of any currency over {$2600.00} and that they would hold for 30 days and only release portions of it every 30 days. These are all credit card transactions that have already cleared with our various customers. So in reality they there is no reasoner for them to hold it. It could take up to 6 months for me to receive my total {$10000.00}. 

I have tried to resolve and they denied me. 

The person who helped me set up the account and works for Pay Pal is XXXX XXXX ( XXXX ) XXXX XXXX. He has also tried to help me get my money but unfortunately was unsuccessful with the higher ups. 

Please Help! 

Thank You! 

The Business is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone was able to get access into my Experian account without my knowledge. They were able to get into my account and apply for a smart money account before changing my information. Which is why I received an alert that said I will be receiving alerts about smart cash. Once I noticed the change. I immediately went into my account to see what was happening. However the individual was able to change my email and phone number on the account and then logged me out of my account. I have been trying to call Experian with absolutely no success. I am unable to speak to a live individual. I did not receive ANY notification that my personal information was being changed as things were happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments from XXXX XXXX/XXXX XXXX, showing on my report that I have resolved and bring up to date. The Dates for the late payments are : XXXX, XXXX, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Prepaid card

{$200.00} Vanilla Gift card was purchased for a friend in XX/XX/XXXX. 
When the friend tried to use the card, they were unsuccesfull. 
I contacted customer service at XXXX. 
A replacement card was mailed and received ( last 4 XXXX ) Tried 3 times to use the first replacement card at my dentist 's office. 
Card was declined everytime. 
Spent hours on hold with customer service who provided me each time with the steps I needed to follow to use this card. Card continued to be declined. 

Contacted customer service a 4th time. 
Told the card ( XXXX ) was corrupt and that they would issue me a second replacement. 
Three weeks later ( when I returned from a trip ), no card. 

On XX/XX/XXXX, I contacted customer service again. 
They confirmed the second replacement card had never been issued. 
They said they would request the second replacement card. 

Asked to speak to someone in escalation. 
Fourty-five minutes later, was told after multiple explanations ( 15 minutes!!! ), a new card had been requested XX/XX/XXXX, but there was no way to confirm this. 

Asked to speak to someone in management. Was put on hold and then the call was disconnected. 

IN A NUTSHELL, TWO SEQUENTIAL CORRUPTED CARDS ( PERSISTENTLY DECLINED ), FAILURE TO SEND REPLACEMENT, MANAGEMENT CAN NOT BE REACHED TO SOLVE THE ISSUE.
Product: Credit reporting or other personal consumer reports

Bank of America didn't send me a 1099c it has been written off as profit loss
Product: Credit card

On two different months i did exactly what the company Avant advised and they still did not allow that second payment to be for the next month and continue to charge outrageous late fees every month and I have told them i only get one check a month and it is on the third buth they continue to not do what they advised to help remedy the problem according to them. Im tired of their lies and their deceit.
Product: Credit card

I purchased a XXXX XXXX bag online, it was received, but received damaged. I returned the item to XXXX XXXX with proof of purchase to Goldman Sachs Apple credit card. They keep reversing the charge but with no proof that I have the item. The item was returned to XXXX XXXX and proof of this return was sent to Goldman Sachs Several times. XXXX is known for this issue, after reviewing online. I found several customers who are having this same issue with their XXXX XXXX and XXXX not wanting to do anything about it. The product was received like this. I don't know if this was in shipping or how their warehouse shipped it out. I contacted and notified XXXX right away of the damages to " not being able to locate my account '' and the item wasn't returned in prestige condition, but how could it be returned in prestige condition when this was received by me like this. I do not have around $ XXXX for a bag that was received damaged/defective. I have sent all proof to Goldman Sachs, but they now want me to take this in to get it documented, but how? I can't take this into a leather treatement business around me when I don't have the item.
Product: Debt collection

I am receiving negative credit report hits and harassing phone calls and emails from AWA COLLECTIONS XXXX XXXX XXXX, CA who claim that I owe them thousands of dollars from a bail bond agency. I paid for someones bail recently but they went to court and the issue was resolved and the case is over. I do not know why they are harassing me, I DO NOT owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I felt coerced. I did not authorize these inquiries regarding my credit report due to inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car reposession was removed off my credit and now placed back.
Product: Credit reporting or other personal consumer reports

The transunion web site includes an area where a user can change the status of a credit freeze. I have been freezing my credit for over XXXX years now. Everytime I attempt to change the status of my freeze with transunion, I receive the error message indicated in the screen shot. I always have to call to make the change. The wait time and subsequent change with the call center usually takes over an hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/XXXX. The following is a copy of a portion of their response in relation to this issue. The information continues to be reported on my credit report. This has caused me personal issues as it relates to my overall credit score. 

" XXXX XXXX XXXX XXXX XXXX, did request a deletion of the item from XXXX XXXX credit report. I contacted XXXX before writing this response and XXXX verified that the account is no longer reporting to XXXX XXXX 's credit. We advised her on XX/XX/XXXX that we were requesting deletion from credit. ''
Product: Credit card or prepaid card

I received a letter in the mail from Kohl 's fraud dept. It reads " We identified activity on your account that is uncharacteristic of your normal shopping patterns and have been unable to contact you by phone to confirm that you authorized this activity. We placed a temporary block on your Kohl 's Charge Card account for your protection ''. I looked at my credit reports and all of them had a hard inquiry from Kohls/Capital One but no opened account. I then called the fraud dept phone number listed on the letter ( XXXX ) and a lady told me that she would put a message in the system that I did not open/apply for this card. She told me that they'd already opened an investigation and would keep me informed by mail. A week goes by and I check my credit reports only to find that a brand new Kohls account has been added to all of them. It has no charge on it. All say {$0.00}. This started in late XXXX and the account was officially opened just recently in XX/XX/2022.
Product: Credit card

I filed this with your organization a while ago and Capitol one said they closed the account and yesterday I received another statement in the mail. 
Previous complaint number is XXXX In the next step you request a credit card number, I can not give that to you because I never received a card
Product: Debt collection

Penn Credit Corp is a debt collector for XXXX XXXX XXXX in MA. I believe my stepsister ( XXXX XXXX ) stole my identity ... she lives in MA and had access to my personal information growing up. We are NOT related by blood or marriage ; however, my mother and her father lived together. I have never lived in MA. I was born and raised in CA and have owned a home in SD for over 15 years. I am a XXXX and earn $ XXXX per year ... I am able to pay my electric bill. 

the bill from XXXX is for the amount of {$770.00}. Service date is XX/XX/2018 I went through their Identity Theft process and at the end my claim was rejected because they said XXXX is a relative. As stated, that is not the case as our parents never married. 

XXXX Account number is XXXX for the address : XXXX XXXX XXXX ID Number for PennCredit Corp is # XXXX / Tel : XXXX XXXX
Product: Consumer Loan

I bought a car on XXXX XXXX and the temporary tags expired yesterday XXXX/XXXX/2016. This car needs to be registered XXXX although it was bought XXXX. My mother is on the loan and car with myself and she resides XXXX which is why it needs to be titled and registered there. I will also be returning to XXXX to live within a few months as well. The dealership sent me the memorandum title but i need the official title which is held through my lien holder-fifth third bank. I went to the XXXX XXXX messenger center in XXXX XXXX in order to handle all of the required payments to title the car XXXX. They need the ORIGINAL title from 5th third and have sent several forms to the bank asking for the title. Fifth third will not respond to their requests and when I call they tell me it is not their problem and that they ca n't issue the title and either blame it on the dealership OR the state of XXXX. I am now unable to drive the vehicle which i need for transportation to and from work.
Product: Debt collection

Collection agencies must be authorized to collect in the state their trying to collect in. This company does not have the right to collect debt in the state of Georgia. This is a violation of the FDCPA. Below I have attached the screenshots of my Credit Reports. Also, I have attached the company 's state licenses and registration.
Product: Debt collection

Swiss ColonyXXXX XXXX XXXX XXXX # XXXX {$420.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. XXXX XXXX fail to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with  Certified mail receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I searched for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was acquired by an aggregator website, which instructed me to first check the website 's FAQ section and then contact approximately XXXX separate websites to have it removed. I felt humiliated by the fact that I had to request the removal of my belongings. I discovered unauthorized, fraudulent accounts on my credit report ; I would like these accounts removed and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to obtain credit. I am taking every measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything else I can do to have these accounts removed from my report.
Product: Credit card or prepaid card

To whom it may concern : On XX/XX/XXXX i received a text message from my credit card company, Chase, indicating that there was a fraudulent charge for {$2100.00} at XXXX XXXX MST ( see attached photo ) at XXXX in XXXX, KS. I live in XXXX, CO and neither my authorized user or myself have been XXXX in the last 3 years. After I replied that I did not make that the purchase I was promptly called by a Chase representative. He confirmed with me that I did not make the purchase and neither did my authorized user ( wife ). He said it would be marked as fraudulent and that I would have new cards issued and the old cards would be deactivated. I thought everything was taken care of and no charges showed up on my statements. 

I received a call from Chase on XX/XX/XXXX concluding that the charge at XXXX in XXXX was not fraudulent and I would be liable to pay for them. It turns out, that there was an additional charge for {$2000.00} that was made ten minutes prior to the {$2100.00} charge that I rejected. This charge was never disclosed to me and never appeared on my statements. It would make sense that since I said the charge at XXXX XXXX MST was fraudulent, the one at XXXX XXXX MST at the same location would be fraudulent as well. 

I was told that since the card had chip that the card was impossible to counterfeit and that means my authorized user or I would have had to been there. I confirmed with Chase that the charge was made on my authorized users card. 

I reached out to the store and they were able to provide me with a receipt of the transaction along with the signature. I have also attached both my authorized user and my driver 's licenses with signatures so that you can verify that the signature you have on the receipt does not match. My wife was also 7 months pregnant at the time and unable to fly, which can be collaborated with any of the commercial airlines. XXXX, KS is over 500 miles from where we live and over a 8 hour drive. We have proof from her personal Chase credit card ( ending in XXXX ) that she made a purchase at XXXX XXXX XXXX in XXXX CO at the Colorado XXXX XXXX on the same day ( XX/XX/XXXX ) at XXXX XXXX MST. Please see the attached receipt for proof and feel free to follow up with the store. Since the chip cards are " impossible '' to counterfeit and since she still has the card ending in XXXX it is impossible that she was in two places at once, and she certainly did not travel 500+ miles in under 20 mins. 

I have filed a police report with XXXX Police Department. The case number is XXXX and if you wish to get in contact with them please call them at XXXX XXXX XXXX and ask for a financial crimes detective. 

I have provided clear and overwhelming proof that the charges were fraudulent but Chase is insistent on making me pay for the fraudulent charges. Chase has consistently failed to communicate with me during this investigation. To my knowledge, Chase has refused to reach out to the XXXX or the XXXX Police department to corroborate my case. Thank you for taking the time to read my statement and please feel free to reach out to me with any questions you may have. 

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

Information was removed from my credit report by each bureau collectively suggesting that the items were unverifiable or erroneous, however ; the very same information has managed to reappear on my credit report without any reasonable measures or investigations taking place to prevent this from happening. I also have not received notice of the reinsertion which I believe to be a requirement of the FCRA.
Product: Vehicle loan or lease

Told loan company when I would make each months payments. He harassed me and threatened repossession for 6 and a half hours through email. Thrift investment corp is the company and man 's name is XXXX XXXX. I asked him to stop harassing me several times with no luck.
Product: Checking or savings account

Someone withdrew funds out of my account. I was a closed account. The funds were withdrawn at a branch.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which have resulted in unknown accounts appearing that I have no connection to. After further investigation, I realized that I have been a victim of identity theft. My personal information was used fraudulently, leading to these unauthorized accounts being added and mixed to my credit file. Following the appropriate steps, I filed an identity theft report with the FTC, as advised by Equifax, and submitted all necessary documentation. However, despite taking these actions, these fraudulent accounts remain on my report.
Product: Credit card

I have a Comenity Bank credit card for Sephora, a cosmetics store. I always make my payments promptly in full. In XX/XX/XXXX, I did not receive an account statement from the bank, and was assessed a late fee. When I called the customer service number at the back of the card to complain, they refused to reverse the full amount of the late fees, and instead offered a partial refund. In XX/XX/XXXX, I noticed that once again, I had not received a credit card statement for my Comenity Bank/Sephora account . I called the phone number at the back of the card, and made a payment for the full amount ( {$150.00} ) over the phone on XX/XX/XXXX. On XX/XX/XXXX, I received a statement, noting a late fee charge of {$29.00}, which purportedly accrued on XX/XX/XXXX ( note -- that when I called the bank on XX/XX/XXXX, there was no late fee charge indicated for the account ). I called customer service to complain that the bank had not mailed me a statement and therefore, the unexpected late fee charge should be removed because it was directly and proximately caused by the bank 's actions. The customer service representative refused to reverse the charge, and claimed that customers are required to make payments even if the bank never mails them the statements. I then paid the late fee charge, and asked the customer service representative to close my account. This bank unfortunately does not provide a user-friendly online payment option, and as such, appears to be deliberately engaging in deceitful behavior designed to charge late fees by first mailing statements late or not mailing them at all, and then, charging unexpected late fees to unsuspecting customers who are making every effort to make payments promptly. I researched the issue online and found multiple reports from other consumers who have had similar experiences with Comenity Bank. Based on information from other customers on the Internet, I submitted a complaint to Comenity Bank from my online account. I requested that they refund me the late fees which I believe are unfair and being charged in bad faith. I have yet to hear back from the bank. I request the Consumer Finance Public Bureau 's assistance with resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original loan was through XXXX, they were charging me the wrong percentage rate. I filled a complaint with this CFPD, they then transferred my account to Plaza services, which in term added to the loan amount and placed it on my credit report.
Product: Student loan

I would like to file a complaint regarding the repayment of my students loans. 
1. The total amount due is incorrect 2. There are no deferment, forbearance, unemployment, or hardship options available for me.

3. Being harassed EVERYDAY with calls and emails about loans.

I am not attempting to avoid making payments however, I was not out of school 30 days before Navient began calling me! They have called every single day and emailed every single day and Ive communicated that I am looking for employment, living with a friend, and not able to make payments at this time. I have asked for deferments or forebears but to no avail!
Product: Vehicle loan or lease

Was charged way too much for a vehicle, so much so I'm currently upside down on my payment and unable sell or refinance my vehicle to lower the payments. Had to wait over a 120 days after my loan was paid off to receive my refund for the gap insurance. Was constantly given different information every time I spoke to someone and customer service was terrible! 
Never receive a bill, had to call to inquire on how to make the payment. The whole experience was so awful I refinanced my vehicle after 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fidelity Creditor Service contact XXXX I contact them again because they response was that my ex partner settled this debt but they wont remove from my credit because I need to pay them also. First of all I asked them from details of the debt and they wont provide me with it. They said they have a lease with my signature on it for this rental when clearly my ex partner was the only one on this lease. So if she had settled the debt why is it on my credit still. It shouldnt be on my credit at all in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove immediately information is unverifiable on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$3400.00} on the DP OF EDUC/FFEL PARTICIPATION INTERESTS partial account number XXXX. ( Please see pages 11 and 12 of the above credit report. ) I attended a private college in Missouri and had signed up for a course there. Circumstances changed and I dropped this course well within the time frame allotted to do so. When I discovered this collection being reported on my credit report, I immediately tried to contact the school to get some help to figure out what the situation was. I found out that the school has since been shut down. It no longer exists. I do not owe this and the incorrect reporting of a collection that is not verifiable is harming my credit score. Please remove these line items from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX Experian Dispute Department po box XXXX XXXX, Texas XXXX Sworn Statement of Dispute XX/XX/XXXX RE : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It May Concern : On XX/XX/XXXX, it was received by Experian via USPS tracking XXXX XXXX I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this XX/XX/XXXX, you have failed to respond to my request. A copy of my original letter from the CFPB website is attached for your review. The FCRA 15 USCode Section 1681i ( a ) ( 1 ) ( a ) stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you delete and remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. If you have any questions or need additional information, please contact me at the address noted below. 
Account Number- XXXX Open XX/XX/XXXX Amount- {$1200.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Amount- {$17000.00} XXXX Account Number- XXXX Open- XX/XX/XXXX Amount- {$3900.00} XXXX Account Number- XXXX Open- XX/XX/XXXX Amount- {$2800.00} XXXX XXXX Account Number- XXXX Open- XX/XX/XXXX Amount- {$290000.00} XXXX XXXX Account Number- XXXX Open- XX/XX/XXXX Amount- {$15000.00} XXXX Account Number- XXXX Open- XX/XX/XXXX Amount- {$340.00} XXXX  XXXX Account Number- XXXX Open XX/XX/XXXX Amount- {$61000.00} XXXX XXXX XXXX XXXX Account Number- XXXX Open- XX/XX/XXXX Amount- {$19000.00} XXXX XXXX  Account Number- XXXX Open- XX/XX/XXXX Amount- {$12000.00} Late Payments XXXX XXXX Account Number- XXXX Open XX/XX/XXXX Amount- {$1100.00} XXXX XXXX Bank Account Number- XXXX Open XX/XX/XXXX Amount- {$12000.00}