23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Subject : Formal Complaint Against TRANSUNION for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against XXXX for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : XXXX Despite providing evidence that the charge off account is incorrect, TRANSUNION has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against TRANSUNION for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for TRANSUNION 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

Request for Deletion of Account from Credit Report Dear XXXX I am writing to address an issue regarding my credit report. It has come to my attention that my account with you, which was previously written off by your company for tax purposes, is still being reported as having an outstanding balance. As per my records, this account was written off, and I did not receive a 1099 form reflecting this write-off. I believe that this erroneous reporting is negatively impacting my credit score and overall financial health. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and delete the account from my credit report within 15 days. Thank you for your prompt attention to this matter.
Product: Student loan

American Education Service has been communicating incorrect information regarding my student loans qualification for Public Service Loan Forgiveness. 
In 2013, I enrolled in an Income Based Repayment Plan following being denied for Teacher Loan Forgiveness with them. I have been paying on the Income Based Repayment Plan since 2013, as a requirement for PSLF. 

Last summer I did some reading regarding loan forgiveness as I was planning to buy a home. I discovered that I had FFELP loans do not qualify for PSLF. These loans would never be forgiven as they are not Direct loans. Further, I needed to consolidate them as Direct loans with another company I contacted AES and made a complaint. I then consolidated my loans with Fed Loan Servicing, not knowing that these two companies are sister companies. 

I understand that it is my responsibility to read. However, I was following the recommendations of a specialized department that handled loans. 

I truly don't want to start over. I am seeking to gain those years back that I paid on IBR. Additionally, I am working with the sister company of AES, which is very concerning because they have been misguiding me for years. I have submitted a complaint with their Solutions Department and I have not received a response. I have also shared this with their sister company Fedloan Servicing. 
After continual sharing of my problem with Fed loan Servicing. A FedLoan representative shared that AES notes state that they recommended that I consolidate in 2013. This was blatantly untrue and I am concerned that FedLoan is covering for American Education Service. Additionally, despite receiving the alert that the Fed Loan was recording the call, they shared that I was not allowed to record the communication.
Product: Checking or savings account

On XX/XX/2023, I tried to sign into my bank account at Bank of America and it said it was closed. I had multiple fraud hits on my account. I already knew who it was and filed a police report. I went to Bank of America where i had a checking account and asked them what was going on. They have been extremely rude to me every single day. From the local branches to the highest XXXX on the phone. I'm a 100 % totally and Permanently XXXX Veteran Solely Due to My Service-Connected XXXX from Combat in XXXX in XXXX. I also receive monthly Direct Deposits from Social Security. I made Bank of America aware of this immediately that on XX/XX/2023, I would be receiving this, and I needed this money because I have a two-year-old, and I'm a single father. They haven't given a XXXX about anything I have said. I still have not been given access to both my Veteran XXXX money or my Social Security money and my son needs food, diapers, etc. and I need to pay for regular monthly bills, along with food and other things. I even closed the open " claims '' and said I would handle that through the authorities because of the police reports I filed, etc. The bank canceled them, so I gave back money that I knew was stolen and was mine, so I could simply gain access to my own money. They still have ignored me at every single turn. Every single XXXX has done nothing, I have recorded all conversations where they have promised to call me back within XXXX minutes, XXXX minutes, an hour and they never call. Today I expressed my frustration for hours as I tried to get this done, and I was guaranteed a call back by XXXX because the bank closes at XXXX. I explained to them I'm already a week late playing my sons daycare and they would be saying something to me, and I will absolutely have to pay it by Friday XX/XX/2023. They have had people call me an XXXX, ask me why I keep calling and bugging them, etc. It's almost unreal what is happening. I owe this bank absolutely nothing, they closed my account giving me absolutely no warning so I could change the direct deposit, and now they are screwing me over every step of the way. I will not accept this anymore! My son is my world, and they are literally making it impossible for me to take care of him. I don't even have enough gas to go everyplace I need to go tomorrow, and my cell phone bill is passed due because I did a promise to pay. That could be shut off at any time, and that is absolutely absurd. When i go into the branch they can tell me they see the money in my account but can't give it to me. That is simply plain wrong! Especially when I bring in all the paperwork of my XXXX XXXX, Social Security, etc. and am crying in the branch to a XXXX with my two-year-old son to please give me access to my money. I'm even allowing the money to take back money I had stolen from me simply so I could take care of my son. This is wrong, and this is completely not right! Please help me, and please help me right away! There is nothing I can do without getting my funds that I suppose to be federally protected from being kept from me. I hope you guys can do something about this asap. Thank you. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I disputed a collection account with all three credit bureaus. The collection account was called XXXX XXXX XXXX. The account was deemed inaccurate and unverifiable by all three credit bureaus and deleted from my report. Just recently in XXXX of XXXX I rechecked my credit report and the collection account was re-added to my reports with no notification of such from the bureaus. I submitted on XXXX XXXX a letter of the FCRA section 611 ( a ) ( 5 ) ( B ) violation due to no notice of the reinsertion and received no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is paid on time. I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately
Product: Credit reporting or other personal consumer reports

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 

Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved.
Product: Debt collection

Subject : Regarding Debt Collection for XXXX XXXX Dear Debt Collection Agency, I am writing in response to the notice I received regarding a debt collection for XXXX XXXX XXXX, dated XX/XX/year>. According to the information provided, the debt is related to a check issued on the aforementioned date. 

I would like to bring to your attention that I work at XXXX store number XXXX and commenced my employment on XX/XX/year>. As such, it is impossible for me to have been paid this amount prior to starting my employment at XXXX. Therefore, there seems to be a misunderstanding or an error regarding this debt collection. 

I kindly request that you review the information provided and investigate this matter further to clarify any confusion. Please let me know if there are any additional details required from my end to resolve this issue promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi my problem is about PayPal and their misleading ways. 

I started my online business about 7 months ago and everything was going smoothly. I decided to integrate PayPal to my website as my online processor because I felt PayPal could protect both me and the customers from any fraudulent activities. So After processing over {$1200.00} through PayPal, Paypal decided to permanently limit my account and hold all of my funds for 180 Days with no reason stated. My account has never had a charge back or dispute from customers but PayPal just decided to permanently limit my account and hold all of my hard earned money. I called PayPal to try and solve the issue. I asked them for the reason why they limited my account but they haven't provided an answer to the question. They've refused to get back to me. I even requested for a re-appeal but I was denied. They were so rude! They kept me on hold, they didn't answer my questions and they even hung up. I'm yet to know the reason why my account got limited. I'm so disappointed in PayPal for this unethical and misleading ways of theirs. Before my account got banned, I was asked to provide some information like customers tracking numbers, receipt of purchase from my suppliers. And I provided everything immediately but I was still limited. I even uploaded all tracking numbers!. This is so wrong and disappointing. Paypal will ruin thousands of businesses with these behaviors. I'll attach proof of my transaction below. I uploaded my invoice of purchase from my supplier. And also, proof that I uploaded all the documents I was asked to do ( as you can see, it was in review )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Experian and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXXXXXX XXXX XXXX XXXXXXXX )
Product: Mortgage

I had Mr.Cooper and I was behind on my mortgage and I called to get assistance back in XX/XX/2019. I was told yes ; we will be able to help you. I provided all the paperwork they needed. Then XX/XX/XXXX comes around and it was flat denied because they said I did not have the loan for a year yet. I was already 2 months behind if I would have known that from the beginning then I would've found help somewhere else. Then again, I tried again in XX/XX/XXXX since by then I already had the loan for a year. They kept rejecting paperwork and every time I would call to ask why I would get different answers. Until AXX/XX/XXXX everything was accepted but then I receive a letter that my mortgage would be transfer by XX/XX/19 and I thought well I still have more than 30 days and it will process before it sent to XXXX XXXX. But nothing happen they never moved a finger or letting me know the status of the loan modification. Just overall horrible experience with them. No notes or nothing every time I would call, I had to repeat every time. If the calls are recorded, they should have more than 20 calls within last year. When the loan was transferred to XXXX they advised me nothing was done and that they didn't even receive the paperwork that I sent to Mr.Cooper for the loan modification so basically I had to start all over again. But the difference with them, they actually got everything done within 15 days and started my first trial payment till XX/XX/19. I called also in XX/XX/XXXX and XX/XX/XXXX to have the negative mark removed due to the incompetence and was told I was submitted but never received and email or letter letting me know of the outcome.
Product: Payday loan, title loan, personal loan, or advance loan

A check was mailed to Credit Fresh and received on XX/XX/XXXX. They continued to process a ACH payment from my checking account. I contacted them and revoked ACH payments. The customer service representative assured me that a refund would be issued in XXXX business days. I contacted them on XX/XX/XXXX and spoke with a supervisor. She said that it could take an additional XXXX business days to issue a refund. I have an issue with this.
Product: Checking or savings account

In early XXXX, I received an invoice from Umpqua Bank stating a fee of {$35.00} for the renewal of a Safe Deposit Box located at a branch in XXXX, Oregon. 

In XXXX of XXXX, we moved from XXXX, Or to XXXX, Idaho. Prior to moving, I personally went into the Umpqua Bank on XXXX XXXX and relinguished the safe deposit key ( s ) to a teller present at the bank. I did not close my Umpqua account, however, because there were Umpqua branches in the area where we were moving. 

Sometime in XXXX or early XXXX, I decided to close my Umpqua account due to the charges made to my account for simply writing a check or transferring money from one account to another ( {$10.00} check fee! ). I tried contacting the XXXX branch NUMEROUS times to process the cancellation and transfer the money still being held in that account. ( I had two accounts at one point, and had previously closed one. ) I was never able to get through to them. I was placed on hold for upwards of 30 or more minutes, only to eventally be disconnected. On other occasions when I called, I left voice messages with my name, phone and concern. I never once received a return phone call. 

I eventually went into a local branch in XXXX XXXX, ID and asked for assstance. It took over one hour for the personnel at that branch to contact and process the closure of my accounts. They too had difficulty in dealing with the XXXX personnel. 

I thought that would be the end of my relationship with Umpqua Bank. However, as stated above, earlier this year I received the first statement regarding the Safe Deposit Box. Again, I tried calling to no avail. At that time I again left a voice message. A month or so later, I received some papers that required notarized signatures regarding the relinguishment of my Safe Deposit Box. I took those papers to the local branch and they provided the notarization. My husband is on the account, too, so his notarized signature was also required. 

I thereafter returned by mail those papers to the XXXX branch office, again explaining that I returned the Safe Deposit key ( s ) over EIGHT years ago and was thus not responsble for any fees concerning same. 

They never responded to my letter. 

Instead, I've received another invoice for the rental of that Safe Deposit Box, for {$35.00} plus an additional {$15.00} in late fees. 

I have no idea how to proceed any furher with the personnel at the XXXX branch since they REFUSE to contact me or answer my phone calls or in any manner try to resolve this matter personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off this loan on XX/XX/2020. My credit report as of XX/XX/XXXX still shows this account open with a balance not taking my payoff payment into consideration. Therefore it would have been appropriate for my credit report to show this paid off and closed as of XX/XX/XXXX. It seems the Bank does not have appropriate controls in place to ensure accuracy of customer information submitted to a credit reporting agency.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to an inadequate, customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This account from XXXX is being reported inaccurately on my credit report. This account was sold TWICE to a third party collection agency. This account was PREVIOUSLY removed from my credit profile, due to being reported inaccurately and they has been added it back to my credit profile again which is a violation of my consumer rights according to FRCA Section 611. and FRCA Section 604. I have sent a cease and desist letter to the creditor and each credit bureaus. According to law, information has to be reported accurately on all three bureaus and XXXX has not complied, because they have inaccurately added this collection account back to my profile. Please remove this account from my credit file once and for all. XXXXXXXX XXXX XXXX the account number is XXXX the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My score dropped XXXX points for a card remark from XXXX card service which I never had or used. Status shows as closed by grantor with no apparent use. 
Need this remark removed from my scores from XXXX and equifax. incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.
Product: Mortgage

my wife and i applied for a loan on our property in XXXX tennesee in XX/XX/XXXX after approx 45 days i received a request to pay off $ 50+K in debt, and close an account so that the loan would go through and i would receive docs the next week. 
we paid off the debt within 24 hours and provided all requested documentation to XXXX XXXX NMLS # XXXX OF AMERICAN FINANCIAL NETWORK INC. within 72 hours. this included letters from creditors. 
approximately 10 days later i then receive another request from the XXXX XXXX to pay off approximately 90 % of all of our debt in order to get the loan processed. 
my wife and i have now paid off over 50 thousand dollars in debt as requested and now they want us to pay off another 200+ thousand in debt. between these two amounts this exceeds the loan amount requested. some of these loans are also 0 % interest which they want to provide a loan for approx. 4-5 % which financially makes no sense. ( get rid of a zero percent loan to obtain a 4-5 % loan? ) after questioning XXXX XXXX he stated that 's what underwriting has requested. 
this process has now left me with approximately 3-5 hard inquiries on our credit which were NOT authorized and wasted 90 days of our opportunity to obtain this loan. 

the ramifications to me from the above is : XXXX of debt paid off for no reason and cash flow loss as requested by XXXX XXXX 90 days of time for a refinance on the property excessive AT LEAST 4 hard inquiries on my credit personal loss of time
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reporting on XXXX from XX/XX/2022 is wrong. The notations about delinquencies, past missed payments over 30, credit score algorithms are all wrong.
Product: Credit reporting or other personal consumer reports

I have never opened an account with this company. I have emails with the conversation proving that I declined their offer and they refunded all of my funds. However, Experian has listed on my credit report that I am 180 days late for an account that was never agreed upon. I have the complete conversation via email for your review. 

Finally, this account shows the account to remain on my credit report til XX/XX/year>, how is it possible for there to be no data reported and it to be 180 days late? There are major issues with the reporting of this information and the accuracy of the investigation conducted. 

Please remove this incorrect information, the entire account, from my credit report immediately because it does not comply with FCRA 611 ( 15 U.S.C. 16811 ), and the information must be deleted immediately.