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

I 'm a seller on XXXX. I have sold a few products with no problems. Today I sold a cell phone for XXXX dollars XXXX dollars shipping. After getting the product ready to ship I went to pay pal to confirm payment. I see that pay pal is withholding funds for no reason at all. Now I do not have access to funds in order to ship the product out. I see no reason to withhold funds after I have already made successful sales previously other than Paypal wants to keep my money for as long as possible. This amounts to theft, they have given me no reason to withhold money on this transaction other than there could be a potential problem. I have given them no reason to suspect there will be a problem. This practice needs to stop.
Product: Bank account or service

I opened a checking account with First Merit Bank because there was a flyer that was sent to my home stating that I could receive {$150.00} worth of credits to my account if I followed certain procedures for opening an account. The procedures are in {$25.00} increments. I have ( 1 ) opened a checking account with Mobile Banking ( 2 ) enrolled int he merit rewards program and ( 3 ) I do participate in the direct deposit program to the account. Since I have opened this account I have been receiving fees of {$35.00} stating that I have had many overdrafts. I have discussed with the bank that I have a tight budget and call and go on-line constantly but they always seem to place the blame on the merchant and hold money for 2 to 3 days knowing that the purchase was made when I had the money in my account. I have been charged almost {$300.00} in overdraft fees in 3 months since I opened the checking account. I have not seen the {$150.00} activation reward in my account nor do I merit all of the fees that First Merit has charged to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. Equifax and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : Experian XXXX ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXX XXXXXXXX not mine XXXX XXXXXXXX never late XXXX XXXXXXXX not mine XXXX XXXX XXXX XXXX XXXX IL XXXX not mine XXXX XXXX {$84000.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of incorrect information was unknown and erroneous. The information were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following information 's be corrected and removed accordingly. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date Updated XXXX XX/XX/XXXX
Product: Consumer Loan

We bought a XX/XX/XXXX Honda Ridgeline XXXX in Arizona. XXXX XXXX financed our vehicle through Sentander Consumer USA XXXX. Sentander, never mailed us any financial paperwork, with our account number, or their company name, prior to our first payment being due. 
When they did contact us, we immediately sent the payment through XXXX XXXX Bank Bill Pay. Sentander then accredited our first payment to our account. 
We then scheduled our XX/XX/XXXX payment through XXXX XXXX Bank Bill Pay, Which they claimed that they did not receive, and they called us to complain. So we faxed the information they requested from our bank. We received a confirmation that they had received our fax, but they called us the next day, claiming they did not receive the fax information. When I requested to speak to a supervisor, she confirmed that they had indeed received our fax. 
Two ( 2 ) days later, they requested additional information to include a bank statement. We sent the information via fax, and the very next day, Sentander refunded our payment back to our checking account. When we contacted Sentander, they claimed the account number was not on the check. We have paid our bills from XXXX XXXX Bank Bill Pay for years, and NO ACCOUNT has NEVER claimed that the account number was not on the check. 
Since I had Sentander on the phone, I agreed to make XX/XX/XXXX payment over the phone. After giving Sentander 's male employee my card information, he said our payment was rejected because I did not know my Zip Code, which is XXXX. 
So I informed them that their XXXX payment had been scheduled to be paid on XX/XX/XXXX, and that I was mailing them check # XXXX for XX/XX/XXXX payment that they had refunded. 
On Monday XXXX XXXX, 2015 ( three ( 3 ) days later ) Sentander called us at XXXX. and again attempted to collect XX/XX/XXXX payment. There have been several calls, and we are tired of Sentander harassing us, and making false claims, and refunding payments that are made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps refusing to remove the inaccurate information on my Credit Report on Transunion, they updated it on XXXX  but not Transunion
Product: Credit card

I was checking my credit report and I noticed there is incorrect information I have never seen before. You reporting negative accounts. I dont have a contract with them, also I have never received a phone calls or mail about these items. Please review my credit report and delete the accounts are listed below XXXX  XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX As you can see on the report, you marked 30 days late, than account closed, than 30 days late again. This information is incorrect. I dont have this card and never applied for XXXX  XXXX XXXX date opened XX/XX/XXXX I have never had this credit card, so this account never belong to me XXXX XXXX XXXX XXXX date opened XX/XX/XXXX I have no idea where is account come from. I dont have this car loan!! I dont have anything from this company I believe that someone have my personal information and applied for it without my knowledge I always pay on time, I have a good standing credit history. Please delete this information as soon as possible
Product: Student loan

I took loans out during my time at XXXX and was not informed that I would need direct loans to qualify for public service forgiveness. My balance has been XXXX for going on 20 years and I only borrowed XXXX!!
Product: Checking or savings account

Two weeks ago I called regions bank about some disputes on my checking that I need to dispute, I had to call regions several different times, people failing to do their job, hung up, unprofessional, I had to call and talk to different departments and I had provided information about the disputes, nobody wanted or help and was lie to numerous of times when I called, I have been waiting 30 days so far, I called back in to get help nothing but the run around and excuses, Im fixing to close my account and go somewhere else I want my money back that belongs or me and Im tired of being treated badly by this bank, please resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a new XXXX and had it financed through Hyundai XXXX. I sold the car to the dealership whom I purchased it from on XX/XX/XXXX. I have patiently waited for Hyundai XXXX to report on my credit that the car is either paid off or no longer my responsibility. My credit report still shows the car loan active as of today XX/XX/XXXX. I purchased another car, and my credit report currently shows I have {$60000.00} in car loans. This is negatively affecting my debt-to-income ratio and keeping from refinancing or getting other loans. I have contacted Hyundai XXXX multiple times and have been promised the issue will be resolved and it has not been.
Product: Credit card

I made the payment for the entire balance on my Citi bank credit card through XXXX bank online payment on XX/XX/XXXX. Citi bank put a hold on my account because i made the entire payment of $ XXXX in one shot. They did not inform me that my account is on-hold... because I spent the entire spending limit and then paid the entire balance off!!! My Citi app does not show any message that my account is frozen for 10-days until XX/XX/XXXX. I was embarrassed multiple times in stores trying to use the card and getting it declined- not understanding why? The Citi customer service initially had no idea why the transaction was not going through. Finally he figured out and explained to me that I made large payments and Citi wants to hold my payment and has therefore frozen my account until XX/XX/XXXX. 
This is an amazingly absurd way to hold someone's payment without letting the user know that their card is blocked for 10-days for making timely online payment. 
The embarrassment Citi bank has caused me should not be allowed as it is irresponsible of them to block credit card when a customer is doing the right thing to make the payment in full as allowed by the law and their own policy. Their customer service staff was not pleasant nor informed about their own [ bad ] policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered! I have been sending letters to the Credit Bureaus requesting t=for them to remove the disputed fraudulent accounts and erroneous information completey from my Credit Report and yet they have failed to do so! I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft under the FCRA section 605b. This Federal law has been clearly violated by the Credit Bureaus by continued reportingof the disputed items without providing me copies of documentation bearing my signature to supoport both the Credit Bureaus and the Creditors ' claims that the items belong under my name. I am submitting this complaint to remind the Credit Bureuas of theit duty to comply with the FCRA section 605b and remove the following accounts and information completely from my Credit Report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

in accordance to the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Product: Mortgage

PennyMac mortgage company sent me a transfer letter saying that I would have a new mortgage servicer and that they would no longer process my payments at did the XXXX of XX/XX/2019. So I sent a payment to my new servicer but PennyMac still went into my account and took another payment and says they have no report of it. Even though they talk to the bank to prove that they took the payment out they still say they have no record of the payment being taken out. My account number with the mortgage companies XXXX XXXX. I have forwarded copies well my bank transaction a copy of the money order I sent to XXXX the new service center
Product: Student loan

The school i attend in XXXX Pa was called XXXX XXXX XXXX i found out they were fraudulent and took money. They closed permanently cause of lawsuits.
Product: Money transfer, virtual currency, or money service

They closed my account and I was confused on why because I been having the same account for a year so when I ask why they said I violated there community and guidelines and I said how when I dont do anything on my cash app and they couldnt even give me an actual reason they just kept saying read our terms and sign back in your closed account and talk to us on there but I cant even log into my old account because they close it and they just gon na say the same thing. I dont do any wrongs on my cash app or even get large payments sent to me or sent out, Im highly confused and all my information is of me
Product: Debt collection

XXXX XXXX XXXX initiated contact with XXXX XXXX via email on XX/XX/XXXX with an attachment for a 1099-C form for BarclayXXXX. I, XXXX, the taxpayer, never received this form in the mail, and I have already filed my taxes for the XXXX tax year. Barclays is refusing to accept responsibility for this when I got them on the phone and asked them why I never received the form and why XXXX XXXX XXXX received it on XX/XX/XXXX, roughly a month longer than the deadline for taxpayers to receive legal documents in order to file their taxes. 

I wouldn't make any of this up, because I received two other 1099 forms which I happily filed with my taxes. One from XXXX XXXX and one from XXXX XXXX. Barclays claims they sent it out via XXXX on XX/XX/XXXX. They couldn't confirm whether they sent it to me, the taxpayer, or just XXXX XXXX XXXX, however. This is infuriating because this creates a mess for the taxpayer and quite honestly, if the company or individual responsible for sending the form can not, it should be their responsibility to deal with the after effects. I'm also contacting the IRS to let them know of the neglectful nature of this ordeal.
Product: Mortgage

My mortgage was being serviced by Roundpoint Mortgage. 
-On XX/XX/XXXX I went to settlement on my home and Roundpoint was paid in full. 
-On XX/XX/XXXX they mailed me a lien release and satisfaction of the loan which I received. This was mailed to the home I sold in Maryland but was forwarded to me on XX/XX/XXXX as I changed my forwarding address with USPS. 
-On XX/XX/XXXX, according to the loan website, they mailed my escrow refund check which is {$3400.00}. This was also mailed to the home I sold and I awaited that to be forwarded. Again, it was mailed 8 days after the satisfaction letter so I did expect it the following week. 
-On or around XX/XX/XXXX I called Roundpoint to let them know I had not received the check. They said that I needed to wait 30 days before they would stop payment on the check. They did change my address at that time in their system. 
-On XX/XX/XXXX I called Roundpoint again and they said they stopped payment on the check and would immediately re-issue the new escrow refund to the new address on file. 
-On XX/XX/XXXX I received my 1098 from Roundpoint that was mailed out on XX/XX/XXXX according to their website, to my new address. 
-On or around XX/XX/XXXX I got on my Roundpoint loan website but saw no changes to the account and no check issued. I immediately called Roundpoint again as I still have not received the escrow refund check. They confirmed there was a stop payment on the original escrow refund check mailed XX/XX/XXXX but a new check had NOT been issued. A REPLACEMENT CHECK HAD NOT BEEN ISSUED! They stated they would issue it right away and gave me a check number. 
-On XX/XX/XXXX I returned to the Roundpoint loan website and still do NOT see that an escrow refund check has been issued. 
It has now been XXXX days since I went to settlement on my house and I do not have my escrow refund of {$3400.00}. There is no date or information on my Roundpoint loan website that indicates a new check was issued either. They are playing some sort of game with my money and I need help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly a collection for {$5500.00} for XXXX XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) I have never resided at XXXX XXXX and I have no idea how this item can be reporting on my credit report. This is clearly an error. I have contacted the ( 3 ) bureaus to have this removed, however I have not been successful. This negative reporting is harming my credit score and these line item needs to be deleted from my credit report.
Product: Debt collection

XXXX/XXXX/16 I received a letter from Transworld Systems Inc, XXXX XXXX XXXX, XXXX, PA XXXX which stated the intent of the letter to collect debt from " XXXX. '' The stated amount due is {$220.00} and payment or written notification of dispute of validity is required within 30 days. The debt payment can be made online at www.transworldpayments.com using registration code XXXX. 
XXXX/XXXX/16 I attempted to call the phone number provided during the stated business hours, which was answered by an automated answering system which did not allow messages. I looked up another phone number for the company online and received the same automated message. 

I then attempted to use the registration code to log on to the website. The code worked to access an account which indicated my personal information. 

I am concerned that this company is fraudulent and may use my personal information for illegal activity. I have not released my information to them and do not believe the stated debt charges are legitimate.
Product: Debt collection

I filed a complaint against Enhanced Recovery Corp on XXXX XXXX because ERC violated the Fair Debt Collection Practices Act by failing to send me notice as required by the law before putting this account on my credit report. Your case no. is XXXX. ERC 's response to you was as follows : " As a result of this complaint, ERC has updated the account as a disputed item and placed it in an investigatory status to prevent any further collection efforts. In acknowledgement of the dispute, we have requested the account be removed from all credit reporting agencies. Please allow up to 45 days for the credit reporting agencies to process our request. '' I called ERC on XXXX XXXX to confirm that a request had been submitted. XXXX XXXX XXXX (? ) of the Compliance Dept admitted to me on the XXXX that no such request had been sent ; that it would be sent on XXXX XXXX. I called XXXX and asked how the request would be processed and was told that the computer would automatically delete the account with no human processing required. I called all XXXX bureaus on Monday and the account had not been deleted. I called all XXXX bureaus today the XXXX and the account has not been deleted and they told me that no such request was received. I called ERC this morning and was told it sent the request electronically on the XXXX. ERC 's response to CFPB was that it had already sent the deletion request by the XXXX. It also lied to me because it told me it would actually send it on the XXXX. Since the account has not been deleted from any of the bureaus, it means the bureaus have not received such a request. So, as of XXXX XXXX, no such deletion was sent or completed. When I called ERC this morning it told me to wait 45 days. ERC knows as well as I do that if I had filed a dispute with the CB 's it would take 30 days to be investigated. That is not how a request for deletion is handled by the CB 's. ERC has not only been dishonest with me and you, it continues to break the law by leaving it on my report because the courts have ruled that putting that entry on my report constitutes collection activity which is not allowed once the account is disputed. This company operates in blatant disregard for the law.
Product: Vehicle loan or lease

XX/XX/21 - Approximately XXXX, I walked into Tesla Motors located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for a consumer credit transaction with regards to a new Tesla . Everything was going fine until I was required to pay a reservation fee of {$250.00}. I reluctantly paid the reservation only to proceed to the finance portion. Tesla had a loan option but a consumer credit transaction option. As I reluctantly went through loan process, I gave Tesla my social security number which is a credit card number under 15 USC 1602 ( l ) to pay for the vehicle. My application was denied. I was confused and embarrassed because I know that I am the original creditor and I am the one who is extending credit to Tesla so how can they deny me? Why did they deny me? I tried to the finance department but the only person that I was able XXXX from XXXX in the sales department. After a couple conversations trying to get some answers, I received an email from XXXX XXXX at XXXX which stated that my application was denied due a low XXXX  score and delinquency on my account. They literally waited until the office closed on the west coast to send the information I was looking for. Ive tried to reach out to XXXX XXXX via telephone but I am getting no response. 
Tesla Motors actions were in direct violation of the Truth In Lending Act and other federal laws : 1 ) Running my credit card and denying my right to credit 15 USC 1602 ( f ) 2 ) I am the Original Creditor, I am not a borrower per federal law. I am the person extending credit to Tesla 15 USC 1602 ( g ). Neither Tesla nor their banking partners have the power to loan money under 12 USC 1431. They are the borrowers per 12 USC 1431 3 ) When applying for credit, there was no disclosure section speaking to a finance charge which is in direct violation of 15 USC 1632a, 15 USC 1632b, and 15 USC 1637a ( 1 through 8 ) 4 ) Shopped around my credit application without my knowledge or permission which left 5 different inquiries on consumer credit report. These actions are in violation 18 USC 1028A. 

XX/XX/21 - I tried to get in touch with XXXX XXXX again but no response or call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting collections/chargeoffs on the two ( XXXX ) XXXX XXXX XXXX XXXX partial account number XXXX in the amount of {$20000.00} and partial account number XXXX in the amount of {$10000.00}. ( Please see pages attached from my credit report as well as a copy of my Drivers License and Utility Bill for identification purposes. ) I had gone to XXXX for a long period of time and when returning home to the United States I tried to use my credit cards. Every single time the card was declined. I realized at that moment I was a victim of identity theft. I obtained a copy of my credit report and discovered these accounts were being reported as collections/chargeoffs on my credit report. These accounts do not belong to me. I never opened these accounts nor did I ever authorize anyone to open these accounts. I immediately filed a police report, a copy of which I have attached for reference. XXXX Police Department Summary Incident Report - REPORT NUMBER : XXXX dated XXXX. These accounts need to be immediately removed from my credit report. This false reporting of collections/chargeoffs that do not belong to me is seriously harming my credit score. I have contacted the bureaus as well as the bank to fix this however, I have not been successful.