23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I closed a credit card via XXXX ( automated voice ). Immediately after closing the account, I went to use my rewards, as I was notified I had 90 days to do so. 

However, when I went to use the rewards, I discovered that all effective ways to use the points had disappeared, and I was only able to redeem points for cash. using this redemption method, you get XXXX XXXX XXXX value you'd get if you chose " erase '' recent travel purchases. I escalated the case to the rewards team. They called to let me know they were going to escalate further, but I later discovered that at that point they left a message in their internal system that the case was closed that same day. I never got a call back after that.
Product: Credit card

I found out I have a Judgement on my record. After looking into it and verifying this was mine I contacted Chase and followed the steps they told me I needed to follow to remove the Judgement. I settled and paid the agreed amount. Faxed them the paperwork they asked for and they said it would take up to 3 months to process and have it removed. That was about 5 months ago. I have contacted them twice and they said they would mail me the paperwork. I verified my mailing address both times and have yet to receive anything from them. How should I proceed?
Product: Student loan

I took these private student loans out from American Education Services at the age of XXXX. I did not fully understand what type of jail sentence I was signing up for. I have paid back more than what I borrowed. The interest ; however, is killing me. I have tried to call and have my payments lowered and have been told that I have used all of my options. These student loans are private, so even though I would qualify for student loan forgiveness - that is not an option. There are no options for help with my {$750.00} payment. I am drowning. I can't even die and it be okay because I had family members that were kind enough to co-sign for me. If I die, they will be straddled by this insurmountable debt. It should be illegal to take advantage of young students like this.
Product: Credit reporting or other personal consumer reports

When I researched my credit report, I noticed that part of the information was erroneous. XXXX, Equifax and XXXX are obliged to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not allowed to classify this reporting account as unconfirmed information without providing proof within the legal timeframe. Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverified account below : XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/21 it was reported on my credit that I had a late payment with XXXX XXXX XXXX, this information is incorrect.
Product: Mortgage

I filed bankruptcy in XXXX. My house was not included and I have never missed a payment. My mortgage was sold to Select Portfolio Services in XXXX. In XXXX I noticed my mortgage payments were not being reported to the credit bureau. I contacted Select Portfolio Services and advised them of the situation and that my bankruptcy paper work shows the house was retained. I was told by the representative that since my social security was associated with a bankruptcy, the information must remain on my file for the life of the loan, because it is a Select Portfolio Service policy. I have copies of my payments to Select Portfolio Service that date back to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.
Product: Payday loan, title loan, personal loan, or advance loan

There is an account open under my name that I was not aware of until I found out that it impacted my credit score. I called Goodleap ( Lender ) to let them know about this fraud and they told me that they couldn't help me because they were just the lender and that it was going to keep affecting my credit if I didn't pay. I called again to goodleap and now they are saying that they can close my account if they find out it was an actual fraud but they are not on the same page. Some employees say the account is under investigation and others say it is not. I have a police report that is still under investigation if you would like to contact the investigator. Here is the case number, XXXX XXXX XXXX Sheriff 's Office . Her name is XXXX XXXX. Thank you.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX/ {$0.00} / XX/XX/2021
Product: Credit reporting or other personal consumer reports

Items on my credit report was never taken off. I wrote letters send off paperwork and nothing was done.
Product: Credit reporting or other personal consumer reports

on XX/XX/ a letter was sent to Experian to dispute and verify some accounts that i know are not mine. They have yet to even process my request and respond to my dispute. These things on my credit are hurting me financially and causing stress in my household.
Product: Checking or savings account

US Bank closed bank acount without notice. I had a balance of {$800.00} plus. I was told a check would be mailed to me with the balance. Its been nearly a month since the correspondence and account closure. Still nor check or resolution.
Product: Credit reporting

I contacted Experian to have names incorrect names removed from my credit report. They advised me to find the " creditors '' who have reported the information and would not assist me updating the account regardless of proof of identification. When asked to speak to a supervisor I remained on hold until the representative eventually intentionally disconnected the phone call.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$2500.00}, XXXX XXXX XXXX XXXX XXXX {$7600.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$4200.00} XXXX XXXX XXXX balance {$8900.00}, XXXX  balance {$280.00}, XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX XXXX XXXXXXXX reference # XXXX.
Product: Credit reporting or other personal consumer reports

I have a PenFed auto loan and it's reporting late payments that should not be there. My due date is the XXXX of each month and I have bank statements as well as loan statements that show my payment was collected and applied before 30 days.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.and the transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

Received credit card letters saying I applied and I did not apply. Can not get a hold of a real person to speak too. 
Citi application ID XXXX dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Due to the XXXX of my father I had to take a couple of months off to be next to him. The only resort I had at that time is to take a car title loan from 5 star Loan in XXXX, CA. I keep prepaying larger amounts than my interest but my payoff amount is been stagnant. I have been suffering to pay off that loan and have reached out to them by email and phone numerous times because I do not think my larger prepayments are being honored correctly and this is why I have been stuck. Their calculations seem pretty confusion and their explanations are very vague and I suspect that I am being scammed. I Have already Paid {$6300.00} on a {$4100.00} loan and my payoff amount is still around {$3100.00}. I have emailed them specifics about my where I suspect discrepancies but they do not want to reply by mail and want me to call. I have called before and was lost in their explanations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my credit file due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the fraudulent account associated with my name. The details of the account in question are as follows : Account to be blocked and deleted : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/year> XXXX Amount : {$15000.00} As this account was opened fraudulently as a result of the data breach, I request that it be blocked and deleted from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation that this account has been removed.
Product: Student loan

This letter is a formal complaint that Fedloan Serving is erroneously reporting derogatory late payment-history information regarding my student loans which they service, to the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX. These negative entries are having an adverse effect on the ability to obtain credit under favorable terms and/or denial of credit. These accounts were included in a forbearance granted by Fed Loan Servicing in XXXX. The forbearance means that no payments are due and therefore no payments could be late. 

Attached is a copy of a letter that I received from Fed Loan Servicing outlining the details of my forbearance from XXXX. 

Attached is a letter sent to Fed Loan Servicing, requesting that they remove all late payments. Fed Loan Servicing maintains that they are reporting accurate credit information to all XXXX major credit agencies, an assertion that I dispute. 

Fed Loan Servicing, in a written statement ( attached ), has further asserted that periods of forbearance do not remove accurate reporting of previous delinquencies, if any to the consumer reporting agencies. This stance is in direct conflict with the XXXX XXXX to XXXX XXXX XXXX, Office of the General Counsel, U.S. Department of Education, dated XXXX/XXXX/XXXX, as issued by XXXX XXXX, United States Federal Trade Commission. This opinion, attached to this dispute concerns the applicability of the Fair Credit Reporting Act ( FCRA ) to the reporting of additional information to credit bureaus about defaulted student loans. It states, " [ The duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ] extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' Therefore, Fed Loan Servicing has a legal requirement, under the provisions of the FCRA, to remove the late-payment entries being made to the credit reporting agencies for the above-referenced time frame, since the affected loans were not delinquent, but whose terms were satisfactorily satisfied through the proper application of in-school payment deferment and/or forbearance. 

I 'm requesting removal of all late payment information from these accounts immediately. Continued inclusion of this erroneous late payment information places Fed Loan Servicing in violation of Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022, I sent certified letters to XXXX, TransUnion, and XXXX, notifying them of inaccurate personal information on my credit report and requesting that they update the information as I have been a victim of identity theft due to the data breach of XXXX, and most recently TransUnion and XXXX. I also completed online Dispute Requests to correct the information. To date, XX/XX/2022, the information remains inaccurate. My name, address, and phone number are still incorrect. I have ONE mailing address and any other mailing address is a non-mailable address. I have one correct spelling of my name and one accurate phone number. Yet, all 3 credit bureaus have either refused to update my information, and/or not responded to my correspondence in the required time by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student loan servicer XXXX sent me a notice dated XX/XX/ XXXX XXXX  that states the following student loans were forgiven based on review of TEPSLF application. I have attached copy of notice that details that I satisfied loan obligations for loan sequence XXXX and XXXX Under loan program DLUCNS for amounts {$93000.00} and {$15000.00}. Please reflect the student loan discharge on my credit file from all three bureaus.
Product: Mortgage

I called my bank ( PNC ) XX/XX/XXXX ( 3 weeks ago ) and asked if I could get an extra couple of extra weeks to make my XX/XX/XXXX payment. I had done this once before in the past. This time, the woman on the phone told me I could skip my XX/XX/XXXX payment, and resume with my usual XX/XX/XXXX payment ( I have my payments taken automatically our of my account on the XXXX of the month ). Tonight at XXXX when I do n't really want to have to talk business, I get a call from PNC asking about my XX/XX/XXXX payment, telling me about a late fee and wanting to know what I can pay now. XXXX departments in the bank that do not talk with each other?
Product: Money transfers

Twice now within 2 weeks I am having problems with money being sent to me via PayPal that does not show in my PayPal account. The first time it seemed to be due to some glitch with their new website that seems to be missing some features or pages of their old/classic website. Both times money was sent, that I could not withdraw. I could see the transactions saying I had money, but it would not reflect in my account. Basically PayPal received money on my behalf I could not withdraw. The first time the transaction was reversed and the money was sent outside of PayPal entirely. Which seems to be my only option at this time. All I am being told is there is some system issue they are working on with no time estimates when it will be resolved. Yet I am able to receive payments before and after this transaction and withdraw those funds. I am not sure what is going on at PayPal, but if they can not handle others money properly, maybe they should not be allowed to do such at all. Something does not seem right, and it is beyond system issues.
Product: Credit reporting or other personal consumer reports

I reached an agreement with Barclays Bank to settle an old, charged off credit card account. After accepting my payment of the full settlement amount they continue to falsely report the account as being delinquent and having an outstanding balance. I filed a dispute with XXXX and Barclays fraudulently claimed that the account was still delinquent and I owed them additional money
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made an online purchase from XXXX in the amount of {$2200.00}. I paid using PayPal and the funds were taken directly from my XXXX  XXXX XXXX immediately on XX/XX/XXXX. 

I cancelled the order a few minutes after placing the order ( also on XX/XX/XXXX ). WXXXX did not ship the order. 

I placed a second order from XXXX, also on XX/XX/XXXX in the amount of {$2200.00}. I paid using PayPal and the funds were taken directly from my XXXX  XXXX XXXX account immediately on XX/XX/XXXX. I cancelled the second order on XX/XX/XXXX. XXXX did not ship the order. 

XXXX refunded the full amount of both orders on XX/XX/XXXX, totaling {$4500.00} ( {$2200.00} x 2 ). 

A week later, on XX/XX/XXXX, PayPal illegally transferred {$4500.00} from my XXXX XXXX XXXX checking account without my knowledge or consent. I have emailed and called PayPal to resolve this issue to no avail. The PayPal representative said the funds will be put in my PayPal account but that has not occurred, nor can they tell me why the money was taken from my account. The rep also could not explain why the XXXX refunds still show as Pending on their website since XX/XX/XXXX. Any refund should have posted in over a week 's time. I do not nor have I ever kept money in a PayPal account. I have always used PayPal as an intermediary and payments are taken directly from my XXXX  XXXX XXXX account or other stored method of payment. 

I requested to speak with a manager on three separate occasions and was placed on hold for over an hour before giving up and disconnecting the call. I have only received auto responses to the emails I have sent to Customer Service through the PayPal website. I do not believe they intend to return my money. 

I went to XXXX XXXX XXXX and filed a fraud report and they are investigating the issue, but that can take up to 90 days. I also contacted XXXX requesting whatever assistance they may be able to provide in resolving this issue but have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX  XX/XX/2020 and XX/XX/2020 {$580.00} 2. XXXX XX/XX/2020 {$97.00} I spoke with them over the phone and refused to take action. 

In accordance with the Fair credit recording act this creditor as violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open account consumer plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to all 3 credit bureaus regarding this INACCURATE information on my report. The company that they all told me that verified the bankruptcy sent me a letter stating that it is inaccurate and I even went to the court house to get a letter and it also states that they have no information. XXXX  is lying and violating my rights as a consumer.
Product: Debt collection

I asked my client to request a Letter of Authorization from Midland Mortgage. My client sent me a signed copy of the Letter of Authorization completed by him for me to complete and submit to Midland Mortgage. The Letter of Authorization asks " Is the authorized party charging for their services? I responded yes. After I contacted Midland Mortgage they told me my authorization was denied nut would not tell me why and the only communication between them and me would require that the borrower be on the call. I have been doing loss mitigation for more than 30 years. I went through training in XXXX  when the XXXX XXXX XXXX XXXX rolled out new guidelines after HUD dismantled the assignment program. during that time I have NEVER seen a Letter of Authorization ask if the the authorized 3rd part charges fee for their services. At the same time I've never been denied authorization when a borrower has given me written permission to do so. Midland is clearly interfering with commerce by providing a letter of authorization that asks if the borrower is paying a fee for services rendered. The fact that borrower came to me is because they attempted bankruptcy because of the threat of foreclosure by the lender and were unsuccessful. There is no question that attorney representing the borrower in the bankruptcy charged a fee for their services. I believe that this federally chartered institution has impeded my ability to earn a living with their actions and such actions should not go unchecked.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : XX/XX/XXXXXXXX Inquiries :XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase a vehicle, I was not informed that my credit will be share with multiple lenders. Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I noticed debt on my credit report that wasnt mine. THIS DEBT IS A RESULT OF FRAUD. The creditor is XXXX XXXX XXXX and the amount is over $ XXXX. I filed a identity theft report with the FTC and diputed this account as fraud. I notified XXXX  XXXX XXXX and I am now getting collection notices from Financial Assistance INC. on behave of XXXX   XXXX XXXX.
Product: Debt collection

I WAS A VICTIM OF IDENTITY THEFT, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, JPMCB AUTO, XXXX, XXXX XXXX