23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a Federal FFEL consolidation loan which consolidated loans from XXXX and XXXX XXXX in the total original principal amount of approximately {$85000.00}, however, JP Morgan Chase paid off the loans in the total amount of {$120000.00}, which is a difference of {$43000.00}. Neither my student loan servicer, XXXX XXXX, nor JP Morgan Chase can give me ANY evidence of why this happened, nor can they give me a complete and total line item accounting from the inception of the loans to now. My loan has become more than DOUBLE of the original principal amount which means I am paying twice for my education!!!! And my loan balance does n't budge, which is the subject of my complaint against XXXX under Complaint # XXXX ( XXXX has already reached out and are " trying '' to get me what I have asked for for years, and also admitted that they have made a mistake in calculating the principal balance and therefore improper interest has accrued over the the past 7 years!!!!! ). I would like JP Morgan to give me the original promissory note and ALL loan documentation, evidence of the payoff to XXXX XXXX and XXXX, and evidence of the reason for the disparity in the payoff amount. JP Morgan also refuses to remove delinquency notes from my credit reports which I have been disputing for years and I was NEVER DELINQUENT!!! This is preventing me from qualifying for a home mortgage and for even getting out of my student debt, which will be impossible if these banks do n't rectify their illegal inappropriate compounding of interest. They ca n't even give me an amortization schedule!!!
Product: Vehicle loan or lease

Credit report shows expected to be removed in XXXX however this lease was in XXXX. This is a huge mistaking and impacting me finanically. 

This account information needs to be updated and removed as it continue to be inaccurate. Please remove this tradeline as these mistakes continue to impact my credit report
Product: Credit card or prepaid card

Today, XX/XX/XXXX at XXXX, I sent XXXX  XXXX XXXX $ XXXX, {$50.00} through the CashApp platform. I had never set him money before so through my contacts on the app I scrolled down to his phone number, selected it, and sent the money. AFTER it was sent, it showed me in the completed transaction receipt, that it was successfully sent to someone named XXXX XXXX. It did not go to XXXX. At the same time I called their customer service, he did as well to find out why his number was not linked to his account. I had already requested a refund from XXXX through the app. He had recently had to make a new cash app account, but his prior account had a balance of {$80.00} that after 2 hours of disputing through call and chat ultimately could not be transfered to his new account and they couldnt tell him why not. After insisting on more info and help to retrieve his money they couldn't/would n't continue to help him. He provided all info they requested but still wouldn't continue to help. That plays a part in my problem in that they should make everyone verify that their phone number is linked to their active account before ANY transactions are made. But on his, his phone number is fairly new so whoever had it before still had their cash app account linked to it and they let XXXX open an account with just his email. So when I sent the money it went to the other person, XXXX. There are so many flaws in this app design, but honestly I believe to cash app, they aren't flaws, but how they make their money and its not right. I looked up XXXX on XXXX and tried to contact him that way hes just a kid, but he hasn't posted since XXXX. What if he moved back to XXXX? What if by whatever reason he has no access to that account or notifications from it? Upon researching, there isn't even an amount of time that has to go by that it sits there, not being accepted, that they will refund it back, it just sits there forever, or its theirs, ( cashapp ) which is more believable. Now im out the {$50.00}, he's out the {$50.00} as well, AND he's out the {$80.00} they for some reason can't transfer from his old to his new account. This is beyond XXXX and something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof (  an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must re move the accounts listed below.      XXXX   XXXX  LOANS #  XXXX  : Unverified account  XXXX   XXXX   XXXX  #  XXXX  : Unverified account   XXXX   #  XXXX  : I have never paid late   XXXX   XXXX   XXXX   #  XXXX  : I have never paid late  XXXX /  XXXX   XXXX   XXXX  : I have never paid late Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some portion of the negative items in my file that resulted from an alleged identity theft but I have an Items left that need to be removed. Ive already included these items in a previous letter & I am including it again. 
XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I own our home in XXXX XXXX, FL, which took a direct hit from XXXX XXXX on XX/XX/2022. On or about XX/XX/2022 I reached out to my lender 's loan processer, XXXX XXXX, to request a XXXX extension since my home had suffered major damage from the hurricane. They would not offer me such 30-day extension, but instead offered me a 3-month bereavement. I explained I didn't need that long, just 30 days. They said that was the only option, and there was no mention this bereavement offer would affect my credit score, but I learned later it did. I made my next payment as agreed, but they immediately notified the credit reporting agencies that I was 90-days behind on my mortgage. As a result, my credit score dropped from XXXX to XXXX. I immediately contacted them to dispute this, and promptly caught up on the payments. They have refused to take responsibility of not informing me of the consequences of their bereavement plan, nor have they updated the credit reporting agencies showing my mortgage is no longer past due. Their recent comment to me was that it isn't the agent 's responsibility to inform the homeowner the bereavement will ultimately affect their credit rating. They relied on mailing me a paper with those details, which I never received because my mailbox blew away in the hurricane. I request your assistance in getting this matter resolved as quickly as possible. Neither my lender, XXXX XXXX XXXX XXXX XXXX or it's processing company, XXXX, is helping me with this. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you all in XX/XX/2018 regarding some items on my credit that are not mine. I'm trying to purchase a home and there are still items on my credit that are not mine. I dont really know where they left off with this last year but I do know that the items are still on my credit report. Please remove these items 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

My name is XXXX XXXX and my Identity was stolen. there were fraudulent accounts opened in my name and inquiries made in my name as well. Please help me remove this as soon as possible I'm trying to get a car and I'm unable. according to the fair credit reporting act I am entitled to accurate credit reporting, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried 4 times to request the information be removed from the 3 major bureau 's about accounts that are being reported by the agencies and they keep telling me that the information i being reported correctly on my reports. I have submitted the Fair Credit Report Act about how they must remove the information because they do n't have the required information to place it on my credit file. Each bureau XXXX, XXXX, Experian all have said that they are verifying this information electronically. Section 609 of the FCRA none of these results meet the requirements of this information to remain on my credit file.The dates below are the four times that I have requested the removal of this information. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

The amount is incorrect. Before it went to collections the leasing company was notified that they charged unnecessary fees and for renters insurance that I had already provided proof of before moving in, during my stay and upon move out.
Product: Debt collection

XXXX has sent me to collections for a debt I do not owe. I have spoken to XXXX 5 times in the last few months and GC Collections once, informing them this debt is not mine. I received no goods or services from the original creditor, XXXX. XXXX will not state why they are charging what they say I owe.in addition to this false claim, XXXX proceeded to send my account to GC Collections. Once again, XXXX won't tell me what I owe, nor did I receive anything from them- goods, services or otherwise! I will not pay.
Product: Credit card or prepaid card

Attempting to utilize the service members civil relief act through my Apple Card, handled by Goldman Sachs. Applied and supplied them with the necessary documentation XXXX times with no resolve. Active duties started on XX/XX/XXXX. First attempt was made via mail on XX/XX/XXXX. Follow up on XX/XX/XXXX via phone and company said the case was closed due to not having the necessary documents. The specialist found the mailed in documents and reopened the case. I resubmitted the documentation on XX/XX/XXXX. Follow up on XX/XX/XXXX revealed that the case had once again been closed. Resubmitted documents on that date. Final follow up with documents submitted occurred on XX/XX/XXXX via email. Still no response from Goldman Sachs.
Product: Debt collection

CMR a financial services was aware that I was a state XXXX member and even though they knew this information they still kept on calling me trying to get me to pay for service which was I was covered under XXXX XXXX member services and they were still calling me. A XXXX XXXX XXXX member actually file the complaint on them as well regarding this issue because it is illegal to try to contact me regarding the issue as they need to contact XXXX & not myself. I just been over a year and I have still been fighting or this issue to be resolved
Product: Checking or savings account

Our direct deposit with Capital One has not been released. They have XXXX answers on when this will be resolved. We also have our debit cards but can not access our accounts nor pay any bills. We are about to go into a winter storm and can not even pay our power bill nor buy groceries at this time.
Product: Checking or savings account

Complaint against Truist Bank XXXX XXXX XXXX XXXXXXXX ) specifically handling of XXXX transactions XXXX New Account opened around XXXX as not happy with my previous bank " XXXX '' which charged me {$25.00} service fee despite long term relationship and approx {$8000.00} direct deposits through my salary -Deposited on XXXX check for {$2100.00} with Truist which was on hold for 7 business days ( understood as it is a new account ) supposed to expire on XXXX - Scheduled XXXX payment on XXXX towards rent payment ( to be paid on XXXX - date expected hold to be released ) - Bank debited my account on XXXX but XXXX payment not sent.

- after continuous follow up, they complained about having XXXX XXXXssues and was informed by recipient that payment was received thru ACH on XXXX - processed two more XXXX payments for {$200.00} and {$300.00} on XXXX ( supposed to be immediate ) -- > amount debited to my account but payments processed only after 30 hours, late XXXX after several calls with Bank Reps - scheduled another recurring XXXX  payment on XXXX for {$220.00} to be processed every two weeks. Amount debited immediately but payment received by Recipient only on XXXX - Presuming the above issues were due to new account, scheduled another {$800.00} on XXXX to same beneficiary ( already set up for recurring payment thru XXXX for {$220.00} ). A message " payment under review '' was triggered, though this recipient already set up and processed.. 
- till XXXX around XXXX, recipient did not received {$800.00}. 
- called the bank and they said, payment was cancelled by the sender ( that is myself ) which is absolutely " false '' ... today morning, i received an email from bank that transaction cancelled by the sender I requested to speak to the supervisor, who i was told, was busy..throughout last week, i requested to speak to the supervisor, but never got to speak to anyone yet. 

I believe, my account is not being handled well or the bank is having issues with XXXX and the customers are not informed. Due to their problem, the customers are having issues. 

As a result, my funds are being misused, as the amount gets debited, being used for two days and then gets credited Also, I am worried, that the bank states that the last XXXX transaction was cancelled by me- WHICH IS FALSE. I did not cancel the XXXX transaction and i want the bank to give me copies of all activity. 

I come from the XXXX XXXX XXXX XXXX  ) and I know, the systems have a way of recording all activities. 

I would like you to take this seriously as other customers may be having issues with this bank but not able to communicate effectively nor do they have the time and just bear it up I can be reached via email or phone at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied to expand my real estate license into other territories, which required my credit to be run. I was denied the opportunity to expand into other markets due to negative credit reporting. When I checked my credit I saw several accounts that I did not apply for ( XXXX XXXX XXXX accounts, XXXX XXXX, 3 JPMCB  accounts, and XXXX XXXX ). I was unaware that XXXX XXXX filed a judgment against me, as I did not receive any correspondence for the account reported on my credit report.They then sent me a copy of the judgment that was filed. I contacted XXXX XXXX and told them that the address that was listed on the judgment was not my address and had never been an address I was associated with, they told me it didn't matter. I recently mailed them letters stating that the account was not initiated by me. I am attempting to dispute the other accounts that were opened in my name as well and they are making it challenging for me. I need the accounts that I did not open to be removed from my consumer report so that I may further my career. In XXXX  I lost my wallet which contained all of my personal info, and I was also unfortunately the victim of a Chase Bank data breach. All of the companies listed above refuse to provide me with the requested information I asked for ( such as tax form 1099-C, accounting pursuant to UCC 9-210 , how my information was obtained according to the banking secrecy act and the original contract ) which is my right as a consumer to ask for. They refuse to remove the misreporting off of my consumer file even though it's fraud. Also, I noticed on my consumer credit report that the reporting is inconsistent. Some years are reporting ND while previous years and years after the ND are reporting CO. The updated status and status dates don't match, XXXX and XXXX reports don't match. There are also several addresses that never belong to me listed on my consumer file. The alleged creditors are using some of the invalid addresses as verification and validation. I have sent copies of identity theft reports to them as well and yet they are disregarded. This situation is really hindering my livelihood as I am not able to get my real estate licenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to work with Equifax has been horrible. Terrible language barrieries and repetitive script reading. I have submitted multiple FTC reports regarding the inquiries. These have yet to be removed because the agents at Equifax can not read. Here are the inquiries I have requested several times to be removed. 

( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) ) ( ( XXXX, XXXX XX/XX/XXXX ) ) ( ( XXXX XXXXXX/XX/XXXX ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX/XXXX XXXX, account number XXXX ; 2. ) XXXX/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) Bankruptcy, case number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly a balance of {$14000.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account has been transferred and this line item has a {$0.00} balance and {$0.00} past due. XXXX and XXXX are reporting correctly. This incorrect reporting of a balance is harming my credit score and this line item needs to be reported correctly. I have contacted the bureau to fix this however, I have not been successful.
Product: Credit card or prepaid card

Fill dispute for a payment I incorrectly made to my utility company. I did not put the decimal point and sent out extra money. Utility comp any advised me to call credit card to dispute it and it's been an on going process since XX/XX/2017. I've sent them all of the paper work they need and I keep receiving emails months later requesting the same information I've already provided citi dispute team.
Product: Credit card

I am writing to file a complaint regarding my PayPal Credit account managed by Synchrony Bank. My account was fraudulently accessed, resulting in unauthorized charges and XXXX bounced payments, leading to its closure. Despite providing ample evidence, including acknowledgment from PayPal, Synchrony Bank has not resolved the issue or reinstated my account. This account was my oldest line of credit, and its closure has drastically impacted ( XXXX points credit score XXXX ) my credit score. I have made numerous attempts to resolve this issue with Synchrony Bank, but they have been unable to assist. 

For additional details on the fraudulent activity that took place, I have enclosed a fax document containing a more detailed summary followed by supporting documentation that were sent PayPal Credit on XX/XX/year>. I have also separately attached a more legible version of the official correspondence received on XX/XX/year> from Paypal XXXX XXXX ( Main XXXX Entity not managed by Synchrony Bank ) that confirms the payments were indeed unauthorized. Also included are system-generated alerts emails from XXXX indicating detecting suspicious activity on my account. I hope this evidence will help in resolving my case and reinstating my account. Thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting an account on my credit report that i no longer owe the original company is XXXX and it was sold to XXXX XXXX and all debts are now clear with XXXX XXXX. I have included letters from both companies stating so.
Product: Debt collection

On XX/XX/19, I received a collection notice from Professional Claims bureau stating that I owed a medical debt. I responded on XX/XX/19, asking for the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
On XX/XX/19, I received a speed message ( as they call it ), stating that  enclosed is a copy of the bill I requested. I requested far more than a bill as you can see above. The enclosed bill had the amount they claim I owe and ways I can pay the bill. I will provide you with all the relevant communication documentation. Thank you
Product: Credit card

On XX/XX/XXXX I purchased a gift card from gift cards.com on the XXXX XXXX website. XX/XX/XXXX it was declined at XXXX XXXX station on XXXX XXXX in XXXX XX/XX/XXXX. On XX/XX/XXXX I called XX/XX/XXXX to inform them the gift is not working I was told it was due to I did not set up pin. After setting up pin gift card still did not work. I panicked when I saw the charge and no use of gift card. 
XXXX ) I askedXX/XX/XXXXXXXX can you refund they stated the bank had a back charge. 

XXXX ) Synchrony bank tells me to call XXXX and tell them to write a letter that the card has been closed? Outside of serious language barriers and going back and forth between the two Fraud is being committed. I want a refond
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.