23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). Recently, I received notice that your investigation was complet
e, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Debt collection

A debt of mine of an amount of {$50.00} was sent to a collections agency called XXXX XXXX XXXX. They mailed me about every week. I sent a check totalling {$50.00} to them properly labeled and written. Over a month went by before they finally cashed my debt and closed my collection account which happened on XX/XX/2023. They finally stopped mailing me on XX/XX/2023. Over a month AFTER my debt had been paid, the date on the letter is XX/XX/2023, a DIFFERENT debt collection agency, PennCredit, mailed me stating that I owed the same amount ( {$50.00} ) to the same company, even though a payment check was cashed over a month prior. After receiving this letter from PennCredit on XX/XX/2023, I waited until the next business day, XX/XX/2023, to contact them. On XX/XX/2023, I called their line and asked how to clear the debt. I was told an email to email ( XXXX ) and given information to provide for them to investigate. After sending an email to that email containing images of the cashed checks ( from my bank ), along with screenshots of the date showing that my debt had been paid, the compliance team emailed me back after less than 6 hours and notified me that " the proof of payment date provided is prior to the service date [ ... ] on file [ which ] is XX/XX/2023 ''. This was a complete lie as all of the attachments I had send them indicated that the check was cashed by the collector on XX/XX/2023. After receiving their reply I emailed back with another screenshot from the collector that showed that all debt had been paid off on the XXXX of XXXX, XXXX. I find the behavior of PennCredit to be shady and very malicious and that their compliance team is completely out of line by lying to me about my debt.
Product: Checking or savings account

USAA has refused to provide documents it notified that it has posted to my online account on XX/XX/XXXX. USAA on that date sent me 3 emails notifiying me that 3 documents had posted to my account and I should login and get them. However my account was closed in XXXX by USAA and I can not access my account online. I have called many times to try and determine what these documents are.. USAA has promised repeatedly it would research this matter and provide me an explanation. It has been 8 months and I still have nothing. 

In addition, not only do I not get these documents I am treated very poorly and very unprofessionally by USAA employees and they deliberately keep my hold for hours at a time and show open contempt and sometimes hostility. 

I am asking that my rights be respected and that I be sent these documents immediately. 

I have called at least a dozen times with some of these calls lasting upwards of two hours, I have come to realize I am somehow being tormented by an internal directive that one USAA employee told I had been classified as " undesirable for life '' by USAA. I am a XXXX man with XXXX who has been treated simply awfully by a staff that is professional until the real the long notes in my account. I am transferred around like a ping pong ball never able to get these documents or any explanation of the reasons they will not give them to me. Since USAA has never really contacted me about anything since they unilaterally and without explanation closed my checking and credit card accounts, I assume that their notification to me of these documents being put into y account that they must be of some importance. I wrote a letter dated XX/XX/XXXX to the USAA Legal Department on on XX/XX/XXXX received an email from a " XXXX XXXX '' an XXXX  XXXX. I have left messages and as I far as know she has never contacted me again. This XX/XX/XXXX letter asked for them to send me copies of the letters to my address, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. 

It is possible there are statute of limitation issues that USAA is trying to push past by delaying my receipt of these documents. USAA should understand from time to time legacy accounts will have account issues come up that need to be.handled professionally in a timely manner. I have never seen such unprofessional behavior in a financial services Company. I have accounts at XXXX XXXX, XXXX XXXX and many others and have do not have a clue why USAA has blacklisted me as a member. 

I would USAA to provide these documents immediately. If sent out this week please send an additional copy to me at my hotel. XXXX XXXX, XXXX New Venture XXXX XXXX, XXXX, NY XXXX. XXXX : XXXX XXXX, XXXX XXXX. 

I do not have online access to my account since it has been closed. 

Attached are copies of my letter and emails from USAA. I would greatly appreciate it if USAA would provide these documents to me. I can be reached at XXXX or XXXX.
Product: Credit card or prepaid card

I paid my balance in full with XXXXFORTIVA XX/XX/2019. After I paid the balance in full, I asked the company to closed my account in XX/XX/2019. XX/XX/2019 FORTIVA reported a late payment to all 3 credit bureaus. I have called this company several times over the last 3 years demanded that my account be closed and it has taken this company 2.5 years to close my account, that should have been closed in XXXX XXXX this account was NEVER paid late because it was paid in full 3 months before reporting late.
Product: Credit reporting

on several accounts, there is a mortgage listed as included in Bankruptcy, yet I did not have a mortgage included in my bankruptcy filing. I can provide a copy of the discharge and all bankruptcy paperwork to show the actual filing.
Product: Credit card

I affirm that the presence of incorrectly reported late payment remarks on my accounts is a violation of 15 USC 1666. Each payment linked to these accounts has been promptly submitted, and any deviation from this accurate reporting is unjust and unlawful.
Product: Money transfer, virtual currency, or money service

PAYPAL is currently holding {$1300.00} of my money since XX/XX/2018 even though I satified all of the requirements that are stated in the 1. ) PAYPAL disclousure for holding funds, 2. ) telephone conversations with PAYPAL representatives and 3. ) notices on my PAYPAL account computer page.

In XX/XX/2018 I started listing and selling my collection of toys on XXXX to supplement my income. XXXX required me to open an account with PAYPAL to act as the " BANK '' for payments. I followed the PAYPAL instructions and set up the account as required. I began receiving money for my toy sales which was automatically placed on hold by PAYPAL for 21 days with the option to release my money early if I could provide an proof from the purchaser stating 1. ) the item was received 2. ) they were satisfied with the item they bought. I first provided an XXXX " positive feedback '' from every customer assuming that was what the feedback option was intended for but PAYPAL demanded additional information in the form of an email from the purchaser stating 1. ) the item was received 2. ) they were satisfied with the item they bought. I then contacted every person I sold items to, explained what PAYPAL was demanding for the release of my money and they all replied with mails reconfirming that they were satified along with notes about how they also thought the XXXX " positive feedback '' response should have been sufficient evidence that they were satified to PAYPAL. After numerous telephone calls back and fourth from XXXX, PAYPAL and myself a portion of my money was released. When I started the process to again have the rest of my money from my toy sales on XXXX released, I was again required to " jump through hoops '' but this time with the added demand for and UPLOAD OF PHOTO ID, PROVIDE PROOF OF FULLMENT and PROVIDE PURCHASE RECEIPT FROM THE SUPPLIER. I did as required, going so far as to optain a new NJ MOTORVEHICLE IDENTIFICATION ( I am XXXX   and do not drive ) just to satisfy PAYPAL. I originally submitted my passport as identification which they would not except.

After complying with all of the extra requirements and checking daily to see when my funds would be available I received an email that stated : FOR SECURITY REASONS YOUR FUNDS WILL BE HELD FOR 180 DAYS. I called PAYPAL several times and the representative stated that they did not know what specifically " FOR SECURITY REASONS '' meant and would not transfer my call as the security department did not take phone calls. I tried emailing and submitting comments to no avail. The 21 days hold is long since past. ( XX/XX/2018 ) so my funds should be available no matter what.

Additionally, I requested and explaination in writting of " FOR SECURITY REASONS '' each time I spoke with a PAYPAL representative and have never received and explaination of why or what was necessary to release my money.
Product: Mortgage

I originally submitted a complaint with the CFPB and the mortgage company responded. 
Freedom Mortgage took over 5 months to close my STREAMLINE refinance ; that complaint has been addressed. However, now after closing my loan with them I am still experiencing issues as follows ; The company did finally close my loan on XX/XX/1920 but did not transfer my existing escrow account to the new loan in the amount of {$3300.00}. Instead, they told me that it would be refunded to me and they charged a year of taxes and two months of escrow on the settlement statement. In addition, they did not deduct my last payment from the payoff either which was {$1500.00}. Therefore, my loan amount was increased on the new Streamline loan from the original amount quoted making the difference in my new payment of the streamline mortgage negligible. ..hardly worth the frustration of the FIVE months they took to complete the refinance. NOW, no matter how many times I have called in to their escalation department and email XXXX XXXX XXXX, regional loan supervisor with copies to XXXX XXXX loan supervisor, AND XXXX XXXX XXXX the address has not been corrected to my mailing address. The settlement check was sent to the property address instead of the mailing address IN ADDITION, I have not received the refund from my escrows or the XXXX payment which was not deducted from the payoff. I was advised by the escalation department in one of my four calls that the unused escrow amount totaled {$3300.00} and the XXXX payment was {$1500.00}. Today I called in again and before the transfer was dropped to the escalation department, the Freedom agent told me that the escrow check would NOT be received because it was applied to the new loan. That is NOT legal and it was not applied at settlement. Lenders can not close a loan and then collect AGAIN for escrows which will now exceed the aggregate adjustment on the settlement statement. I continue to email Freedom management they pass it off to the escalation department and nothing is correctly accomplished. Finally, on their site I was able to see that they charged me a fee in the amount of {$80.00} on XX/XX/20 ; I was not advised of this fee and do not know why it is posting. The customer service agent on the call today XX/XX/20 could not explain the fee. 
I need immediate help in this matter in order to obtain my a. escrow balance b. previous mortgage payment that was not deducted from the payoff. 
c. explanation and or recovery of the {$80.00} fee dated XXXX XXXX and finally a form so that I can set up ACH DEBITS for mortgage payments which is impossible to locate on their website. 
PLEASE HELP WITH THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act CAPITAL ONE AUTO FINANCE : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XXXX, checked my credit report with XXXX, XXXX and XXXX i was shocked when saw some credit cards, addresses not belongs to me. 
Since XXXX i live in XXXX, XXXX, and since than never been in US. 
XXXX XXXX BANK XXXX XXXX Date Opened - XX/XX/XXXX, XXXX XXXX - {$5000.00} XXXX XXXX Date Opened - XX/XX/XXXX, XXXX XXXX - {$6000.00} XXXX XXXX CR UNION Date Opened - XX/XX/XXXX, XXXX XXXX - {$7800.00} also the addresses in credit report, i have never lived there XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion can you knock off XXXX of these hard inquirys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX heres XXXX i have no knowledge of and didnt make check into them and delete those that merit it thanks
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Checking or savings account

I opened my account with US bank at XXXX XXXX XXXX XXXX XXXX, Ca XXXX on XX/XX/2018. When I opened the account I had XXXX XXXX oops me out of overdraft protection. Any transactions made and there was not enough money to cover the purchase in the account the transactions would be declined. Once the bank seen a had a direct deposit someone started manipulating the account causing overdraft fees. I made a cash deposit of {$76.00} using the ATM at this particular bank and the money has disappeared. The money has been missing unaccounted for-for 6 days as of today with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hit with XXXX that why I was late on my account with XXXX but you can see my records are clean I was never late on the credit report
Product: Debt collection

Ad Astra Recovery keeps calling and will not identify themselves stating they will send a police officer to my job and house to serve me some papers for an account that I made fraudulent bank account in order to get a loan.
Product: Credit reporting or other personal consumer reports

XXXX is not collecting on the account because they have sold the account and no other company is collecting! delete information related to XXXX!. all bureaus are breaking the law by reporting wrong fake information!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

XX/XX/21 NCB threatened to make my credit bad and stop me from establishing good credit again. They open this account on XX/XX/21 without my awareness. And reported to the credit bureau as a collection account. Once they seen I was trying to purchase a home the company then made the account an open account on my credit. Now the account is on my credit is an open account that I just started with them
Product: Credit reporting or other personal consumer reports

EQUIFAX is reporting Late Payments in one closed account I used to have! This account was never late, this is clearly a billing error!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$630.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent FERPA Violation Dispute Unauthorized Access & Deletion of Student Loan Data XXXX XXXX loan XXXX Dear CFPB, I am formally disputing the unauthorized access and deletion of my student loan data as reported in the WSU Guardian article titled " Musk and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent. 

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records. 

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken. 

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur. 

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies. 

Please contact me at XXXX or XXXX with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I submitted a dispute on my Capital One Credit Card ending XXXX in early XX/XX/2018 regarding a dresser that was purchased back in XXXX of 2018. The dispute was due to the fact that The dresser received was structurally damaged and unusable. I took pictures of the dresser and sent them to the furniture company the same day the dresser was received and filed a claim with the furniture Company. I was getting ignored by the furniture company none of calls returned and no progress on the claim after roughly 45 days. So I decided to submit a dispute of the charge to capital one. I answered a questionnaire that was sent to me by capital one regarding the dispute and sent it back to Capital One via mail. I also called and advised a representative that the documentation was being sent that same day. However capital one knowing all this info still rebilled this amount back to my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion is reporting inaccurate info ( XXXX XXXX XXXX XXXX ) 30+ Days Late which is inaccurate. Reporting inaccurate information is a violation of the FCRA under section 623 ( a ). To avoid a civil rights lawsuit, I am requesting even urging XXXX and TranUnion to remove these late payments from within my credit reports, and to list this trade-line as paid as agreed and/or never late later than five business days or if not I will not hesitate to seek legal action against you.
Product: Mortgage

I have never had a loan with Ocwen, however they are reporting negative loan information on my XXXX and XXXX credit reports. I have repeatedly filed disputes with these credit reporting agencies and they keep telling me they have verified that these mortgage loans are mine. I 've even asked Ocwen to show me the loan origination papers that I signed if this is my loan, but I have not received any response from them. Please contact Ocwen and advise them to delete this negative information off of my XXXX and XXXX credit reports. ( This is not reporting on my XXXX or XXXX credit reports ) The account in question is showing on my XXXX and XXXX credit reports as : OCWEN LOAN SVCG LLC # XXXX