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

In XXXX I paid my account in full. Then in XXXX interest from my last statement occurred did not know and was not notified until I seen a missed payment on my credit report for {$14.00} called to speak with them they said there is nothing they can do that I have to contact the credit agencies paid in full {$32.00} because of fees and they said they put a note about my complaint but there was nothing else that they could do that I had to contact the credit bureaus I did not use my card so I did not know I had a payment did not know that interest occurred asked them to take it off and they said they couldnt. I have never been late and want this removed off my credit as late payment or missed payment
Product: Debt collection

Today on XX/XX/XXXX, I received a phone call from IC System stating I owed {$290.00} to XXXX. I told them I had already paid this with another company and asked how long they had the account ; the lady stated 57 days and it would be reported to the credit bureaus on XXXX XXXX. I kept telling her I already paid and I owe nothing. Additionally, I checked my bank statements and it was indeed paid on XX/XX/XXXX to XXXX XXXX and I called to verify with them and it was indeed paid. I feel like this may be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, When I was applying for a Solar service in my house, The Solar company ran my credit and found out that I was not approved due to the 2 months late on house payments ( XXXX and XXXX of XXXX ). Right the same month, I contacted Royal Pacific to fix this information since I never missed any mortgage payment. I received a letter from Royal Pacific last XX/XX/XXXX, acknowledging my request to investigate the incorrect report on my credit. Every month, from that date on, I follow up with them and they told me to wait. 
After six months ( XX/XX/XXXX ), My credit score still reported late payments. This time I contacted the Vice President for Servicing to ask for help since nothing has been done on my case. I have been deprived of my right to equal and fair credit, I can not avail of a good credit rate because of this error. Every day, I was on the phone, asking begging them to provide me with the result of their investigation. I wasted many hours of wait time on the phone, receiving poor customer service, and no one cares. 
I believe I had given them enough time to resolve my issue but no action has been taken.
Product: Credit reporting or other personal consumer reports

Specialized Loan Servicing was notified on multiple occasions that they were reporting false information about my credit & payments. They continued reporting for XXXX plus years. Then handed off the Morgage to another company named Shellpoint Mortgage. I have copied of all bank statements showing payments cleared.
Product: Money transfer, virtual currency, or money service

I made a withdrawal and did not receive it. Coinbase was almost impossible to contact. They then released to the public a contact number. The support number has extremely long wait times. More than five times in the last two months I was told I would be put to the high priority list when I called. 

I have enclosed a document of all correspondence.
Product: Debt collection

I see a collection amount of {$410.00} on my credit report that, I believe, is not owed by me. XXXX XXXX XXXX has continuously billed me and indicates my original account number as ending in XXXX indicating also the original creditor as " SYNCHRONY BANK TJX ''. I sent a written letter to Synchrony Bank asking for details on charges incurred when the original purchases were made indicating the information I got from XXXX XXXX mentioned above. The response I got from them however, says they are researching their account " ending in XXXX, a BananaCard account ''. Then they apparently forwarded a letter to XXXX ( I received a copy of the supposed communication from Synchrony to XXXX ) saying their TJX account ending XXXX was indeed delinquent, and that the amount owed at the time of sale to XXXX was {$410.00}. Since I didn't receive a satisfactory complaint from Synchrony, and am back where I started, filed a complaint with the CFPB via their agent. Synchrony then responded with a message stating the delinquency is correct. However, the detail attached to their response shows a person name XXXX XXXX for an Old Navy account ending in XXXX. This is clearly for a different person and account. 

My name AGAIN, is XXXX XXXX, not XXXX XXXX. The account shown on my credit report is TJX ending in XXXX. I need a response as indicated below : 1. Copy of original credit card application 2. Statements indicating the exact charges for purchases, location of the purchase ( online or physical store ) 3. Dates purchases were made 4. Clear detail for the method used to arrive at the amount owed of {$410.00}. 

I have attached two files. The first shows the latest information uploaded as evidence of " resolution '' in response to my last CFPB complaint. The second, is the history so far, showing the XXXX claim, my letter to Synchrony trying to get to the bottom of it, and their response about some random other account ( ending in XXXX ) which is not mine. 

Once I receive the CORRECT information, I will respond appropriately and promptly. 

Thanks. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX
Product: Debt collection

The debt is from XXXX  and I had no idea that this was a debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. A PERSONAL LOAN OPENED WITH POSSIBLE FINE ON XX/XX/XXXX balance {$490.00} ( I DO NOT HAVE ACCESS TO THE XXXX. NUMBER ) AUTO LOAN OPENED WITH XXXX XXXX XXXX OPENED ON XX/XX/XXXX ( XXXX # XXXX ) BALANCE {$20000.00}. PERSONAL LEASE ACCOUNT OPENED WITH XXXX XXXX XXXX XXXX ( XXXX # XXXX ) OPENED ON XX/XX/XXXX BALANCE {$4600.00}. IN ADDITION XXXX HARD INQUIRIES CAP ON NA REPORTED ON XX/XX/XXXX ; XXXX XXXX NA REPORTED ON XX/XX/XXXX ; XXXX XXXX AUTO FIN REPORTED ON XX/XX/XXXX AND XXXX XXXX REPORTED ON XX/XX/XXXX., These account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Debt collection

I have been receiving calls from XXXX for a few weeks. They have never left a message. All I have is the caller ID number which I used to search the internet. I found a XXXX listing with the information about the company. It appears to be some type of debt company named Paramount Recovery Systems. I do not have any outstanding debt. I tried to call the number to tell them they have the wrong number, but it rings busy. They continually call, but give me no way to redirect their calls. They have called, but left no messages on : XXXX/XXXX/2016 @ XXXX, XXXX/XXXX/2016 @ XXXX, XXXX/XXXX/2016 @ XXXX, and XXXX/XXXX/2016 @ XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Owed : {$400.00} XXXX XXXX XXXX  XXXX XXXX  Owed : {$610.00} XXXX XXXX XXXX XXXX  Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX  Owed : {$1900.00} XXXX XXXX XXXX XXXX Owed : {$3300.00} AAXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  Owed : {$500.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX FL ) XXXX Owed : {$340.00}
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dspute the account. It was opened wihtout my knowlege, authority or consent. 

VANCE & HUFFMAN LLC XXXX
Product: Mortgage

. 



I. Purposely, granted original Forbearance period to start after 2 month delinquent status XXXX XXXX XXXX XXXX XXXX. Applied in XXXX XXXX, Forbearance Application completed XX/XX/XXXX stated in a letter dated XX/XX/XXXX? Started XX/XX/XXXX, ( 6 months application process ). 



II. Request for all loan history ( prior to acquisition XX/XX/XXXX ) including payment, promissory note, etc. honored only in part. 



III. Discouraged financial management of account by : * Discriminated against by removing access to online services, e.g. Online payments, account history, etc. Had to phone in all payments, waiting on hold for hours, disconnected often * Phone conversation resolution, reporting of status differed with each representative, and refusal of conversation recording. 
* Not clear what kind of agreement or type of forbearance ( i.e. 
COVID/unemployment ) I was under at any time following XX/XX/XXXX. 
* Sent Default Notice XX/XX/XXXX after unable to accept XXXX XXXX offer ( monthly rate exceeded my income by 107 %. ) And after paying full mortgage payments of {$2300.00} XX/XX/XXXX - XX/XX/XXXX. 
* Requested proof for reasons for denial of resolution offers XXXX. 
delinquency period disqualification with payment history. 
* XXXX XXXX XXXX XXXX ( XXXX ) not given access to. Given several " Mitigation Advocate '' contacts in writing but denied access or communication with this single point of contact. Forced to discuss with new representative each time with a different status of my account reported. To date I have no idea if my house is in foreclosure, default or status of the current completed assistance application
Product: Payday loan, title loan, or personal loan

I got a call on XX/XX/2020 from a person claiming to be with Lendgreen. I do not recall ever doing business with this company. They appear to be an online tribal lender trying to do business in Arizona in violation of the law.
Product: Checking or savings account

Whitney Hancock changed my checking/savings account without my permission and then stated that I no longer needed to have an account balance to avoid fees. I have been downloading my account activity through XXXX and there should be no activity because this is a savings account. XXXX shows my account as it should be. 

I was charged and sent a paper account statement and it showed that I had been incurring $ 10 monthly fees AND the bank also charged me {$3.00} for the paper account statement that I did NOT request. 

I downloaded from quicken and there was nothing showing these charges. I logged in and found that I had to reregister even though my XXXX has been logging in all this time. 

I got in my account and saw all these $ 10 monthly charges! I never wanted this account. It is a savings account. 

I have been TRYING to get my money out of my account and the bank will not activate my account and furthermore, after speaking with the most rude and vindictive person, the woman literally locked me out of my own account and I can not get access back. 

I am not going to show up in person. I want my money and have been trying to pull it from other banks but it keeps being denied. The bank will NOT unlock my account and are seizing my assets at {$10.00} per month and now charging me and additional {$3.00} a month to show me they are taking my money with all these junk fees. 

This is going to continue because the female employee that I spoke with is vindictive and locked my account and nobody has the power or will help me get my account unlocked. The employee not only locked my account but she put it into dormant status. And if they send my money to the State of Texas then I will have to pay 10 % of the total to get my money back. 

Whitney Bank is a horrible bank and they need to be punished for their illegal behavior. I want my money. I don't want my account locked and then made dormant by a vindictive bank employee and there has to be someone that can help. I am at my wits end dealing with these horrible people and their runaround. I want ALL these junk fees reimbursed and I want ALL my money and I want to get my money out before closing this account. 

Whitney bank should not be allowed to be in business. They make up junk fees, change your account type and charge you all kinds of fees to slowly eat at your balance and they are vindictive and will NOT do anything to help you get your money or close your account but they will do everything to be vindictive and make it even more difficult for you to get your money. This bank needs to be fined and have their banking charter revoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mohela XXXX Dept of ED continues to report accounts to my XXXX credit profile. I have recently filed complaints against XXXX for allowing this and they have continued to ignore my findings and do investigations with the creditor, putting me at an unfair advantage. I have never allowed XXXX to report this account to my profile. My report never showed Mohela on it. Prove to the government that I signed off on a loan with Mohela with my black ink signature. This is a fraudulent account and the dates lie. They said that it was reported on my report in 2012 however I have provided you proof this account never was on my credit report prior to a month ago. I demand XXXX & Mohela delete this Fraudulent account from my credit report immediately. Pursuant to 15 USC 1681b, Permissible purposes of consumer reports I never gave you any written consent to report this account on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent repeated letters to Experian in regards to the compliance of an how an Inquiry has been reported on my credit report. The Inquiry is listed as XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they informed me via letter that they do not grant loans or accept credit applications. I then send a demand for immediate removal letter to Experian to remove the inaccurate inquiry. I have sent them several letters demonstrating the REQUISITE LEVEL OF PROOF from XXXX XXXX XXXX that the inquiry listed is reporting inaccurately and non compliant.
Product: Money transfer, virtual currency, or money service

I sent money through PayPal that was a gift but PayPal charged a 3.49 % fee-for-service transaction fee. 

On XXXX I sent {$3.00} as a gift to test the transfer. Later the same day I sent {$4100.00} as a gift, but the PayPal dialog box defaulted to " payment for services '' and I did not notice. PayPal charged {$120.00}. 

I filed an online dispute with PayPal on XXXX that was denied on XXXX. Also on XXXX, I called PayPal and spent 33 minutes on the phone with customer service. I ended up with supervisor XXXX at extension/employee number XXXX. She could only say " It can not be done. It is not our policy to issue a refund. '' She said her supervisor was XXXX, that XXXX was not available, that she could not tell me any way I could contact him. She told me to ask for a refund of the {$4100.00} from the recipient through Paypal, but that PayPal would keep the {$120.00} regardless. 

I received a confirmation email from PayPal that the recipient would receive the entire {$4100.00}. This was a false statement from PayPal.
Product: Debt collection

State Collection Services has reported an alleged debt to the Credit Reporting Agencies without notifying me that I can dispute the debt and without providing validation of this debt. Please see the attached letter requesting adequate validation of this debt, if they can not fulfill this request, I demand immediate deletion of this " debt '' from any consumer agency it was reported to.
Product: Debt collection

The company called up and said they were an 'investigator ' and needed to discuss my court date over their legal pending action against me. As I just received my credit report and know there is nothing on it the company is clearly trying intimidation tactics to collect old noncollectable debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Holloway Credit solutions hired by XXXX XXXX XXXX hospital is reporting an inaccurate collections account and amount. The hospital had a billing error and when researched by my insurance carrier the issue was resolved as an error on the part of the hospital. I never owed the amount they sent to collections. The representative from XXXX XXXX XXXX XXXX clarified with both Holloway and the hospital that this amount was not my responsibility and the situation was resolved as the hospitals billing error. There should never have been any collections efforts made on this account and it should not be reporting on my credit report as the error was not mine. Ive filed complaints with XXXX  and XXXX  to help resolve the incorrect reporting. However, this has been a hassle for over 6 months now. It has taken significant time and frustration and it is still not correct nor resolved correctly on my credit record. It needs to be corrected.
Product: Credit card or prepaid card

I received a Visa Debit card from US Bank ReliaCard in the mail on XX/XX/2021. It stated to activate card before you use, I never applied for this card. On the back of the form the card came on states it is for The Ohio Unemployment Insurance Program. I filled out a form online with the credit card company ( US Bank ReliaCard ) stating that it was fraud. My identity was stolen last month & used to try & get Unemployment benefits for the state I live in.
Product: Credit card

PayPal sent me a note that I did not pay their card. When I inquire I noticed that they did not send me the statement. When I tried to pay, their system does not allow me to pay on time or pay through another credit or debit card. It seems that they are trying to make it late at all costs to collect the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to ask what credit reporting bureau 's score does Fifth Third use for auto loan consideration. I was told XXXX. I know I need a score of around 630. I have Identity Alert which gives me my 3 scores monthly. I had just saw my report and scores yesterday. I already knew I wasn't at 630 on XXXX. The representative did not say, " I can run a credit report ''. After running my report she says, " your score is XXXX, which is a little low ''. Call us back later. Again, I already knew my score. I thought she was giving some information to help me. I gave her the information and she gave it back. I do not want a hard inquiry on my report for that!
Product: Bank account or service

Starting on XXXX XXXX, I began receiving Secure/Confidential emails from a Chase bank representative into my secure message center with CHASE bank that were intended for OTHER CUSTOMERS. I promptly reported this to Chase and they never followed up or returned my call until after XXXX complaints and a call to my local branch Manager, between XX/XX/XXXX & XX/XX/XXXX I have received confidential communications for these XXXX other customers, XX/XX/XXXX - XXXX XXXX CASE # XXXX XX/XX/XXXX - XXXX XXXX CASE # XXXX XX/XX/XXXX - XXXX XXXX CASE # XXXX I believe the information I was provided is a breech of customer confidentiality and CHASE will not follow up appropriately. I also have concerns regarding my personal information as I never received a message on the disposition of my own reported issue? 
CHASE CASE # 's XXXX XXXX XXXX
Product: Credit card or prepaid card

PayPal is withholding {$190.00} that were meant to be used as payment for a service. PayPal has not transferred the funds to the owed party and is withholding the funds. PayPal is NOT owed any funds or money from this transaction. PayPal is NOT entitled to any money from the transaction and should release the funds IMMEDIATELY.

The Amount owed by PayPal is {$190.00}.

The Amount pulled from my Credit Card is {$190.00}.

When contacted, PayPal stated " They can not provide a refund for the funds ''
Product: Mortgage

I filed for chapter 13 bankruptcy. My mortgage is not a part of the bankruptcy. We are paying the mortgage, I can not get OCWEN to stop treating me like my mortgage is in bankruptcy. I do not receive timely statements. They claim I am in arrears for XXXX but that money was added to my mortgage payment. I sent a copy of a letter from my attorney. All I get is more papers and no specific letter addressing my specific issues. The main one, is that my mortgage is not part of the bankruptcy. How can this be fixed? 
Recently they said I am in arrears. I sent them a breakdown of all my payments. I am not in arrears.