23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it May Concern : RPM EscalationsDepartmentIn reference to XXXX Account numberXXXX. Fortunately, after many hoursof investigation on my part, I have solved the quagmire. The actual account number Should XXXX, this is the account that belongs to me and the one I was led to believe I was settling when speaking with XXXX XXXX , with R.P.M. However, after speakingto a Miss. XXXX XXXX @ The Law Offices of XXXX XXXX, and identifyingthe WRONG account number, I contacted XXXX. It appears that the company that you represent applied my payment to a Company that has no affiliation to me.When I was transferred to RPM, I spoke to a gentleman by the name of XXXX XXXX, who verified My full name, Last four of my social, and the amount of {$730.00} then assured me that this payment was being applied to the balance of {$730.00} then he proceeded to take my payment.As you are aware, this has been causing me many days of hardship and pain. I have been running in circles talking to your company and three others trying to resolve this. I am looking to buy a home in the extremely near future, and as you can imagine, this is not helping. Hence, the anxiety, and undue apprehension this is causing as well as undue harm and anguish, I am exhausted. Because not only was I in fear that I was scammed for {$430.00}, but after talking to so many different people and being told so many different things.Then today XX/XX/2020 I was Informed by XXXX that the amount thatThe payment was applied to theWRONGaccount, and for me to fixthis I need to contact my financial organization to dispute the payment. I did not want to do that, so I did more investigating. While on the line with Miss. XXXX, we compared account numbers. the account number you applied my payment to is:XXXXon a compare and contrast with XXXX @ XXXX XXXX, MO call center , it came to our knowledge that the payment should have actually gone to account numberXXXX, the problem is, THE PAYMENT WAS APPLIED TO THE WRONG ACCOUNT. She then told me to call R.P.M. and request a refund, then once the refund is received, I am to call XXXX directly and make the payment.At this point I have so many questions, but I do not have the energy, nor do I care. I just want this fixed. 
In closing, this is what I need, please have your organization, either apply this payment to the correct account XXXX which XXXX XXXX falselyclaimed he represented, orhonor the settlement amount and apply it to the correct account and get it resolved. If none of those options are available, please refund the {$430.00}, so I can pay XXXX directly and resolve this matter. If you have a way of transferring this payment to XXXX, that will workas well.Please get back to me at your earliest.Sincerely, XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national  banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my father passed away. On XX/XX/XXXX, my mother 's niece transferred {$25000.00} to my father 's brother 's bank account. Again, on XX/XX/XXXX another transaction for {$25000.00} was transferred to the same brother 's account. The grand total was {$50000.00}. My mother 's niece setup the online user name and password for my father, but was NOT authorized on this account as a co-owner. The bank failed to reverse the two transactions and required the only one who they would speak to would be an administrator to the estate. Probate court granted myself as administrator on XX/XX/XXXX. In speaking with the bank, I have been told they can do nothing to reverse these unauthorized / illegal transactions and it is a civil matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report act XXXX Account # XXXX, has violated my rights. XXXX5 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.
Product: Credit reporting or other personal consumer reports

On my Equifax Credit Report, The XXXX XXXX XXXX ( Closed ) Credit Card Account, XXXX  # XXXX, is INACCURATE ; It contains ERRONEOUS Information. The XXXX XXXX XXXX Account is showing a Late [ Delinquent ] Payment for XX/XX/XXXXXXXX  in PAYMENT HISTORY -- See ATTACHED EQUIFAX SCREENSHOT. I CLOSED this Account in XX/XX/XXXX, and made my Last { IN FULL } Payment in XX/XX/XXXX. I have tried REPEATEDLY to DISPUTE this with Equifax Credit Reporting. Last month [ XX/XX/XXXXXXXX  ], I contacted The XXXX XXXX XXXX, through the Consumer Finance Protection Bureau ( CFPB ), and my own written correspondence. I am ATTACHING The XXXX XXXX XXXX Reply letter to this CFPB complaint. This Letter is PROOF that the XX/XX/XXXXXXXX  Late [ Delinquent ] Payment is ERRONEOUS. This Letter is also PROOF that Equifax DID NOT, and HAS NOT, conducted a THOROUGH INVESTIGATION into this matter. Per the FCRA, Credit Information MUST be reported ACCURATELY. This ERRONEOUS ( INACCURATE ) Account, on my Equifax Report, is ADVERSELY affecting my Credit. URGENT! -- I am ON HOLD processing a Credit Application until this matter is cleared up.
Product: Credit card or prepaid card

I have closed this account in XXXX, before closing account was zero dollars i didn't owned any single balance to bank. Initially there was a charge on XX/XX/2021 there was a charge {$290.00}, XX/XX/2021 $ XXXX {$40.00}. Both of them were unauthorized charges I did reported to bureaus and bank aswell I did forwarded them police report they have XXXX my credit file. I need my refund back from them asap. I need avant credit card company to fix my credit file which they caused issues.
Product: Student loan

I applied for the TEPSLF program twice since XXXX. This is related to the Public Service Loan Forgiveness Program. Each time, my application was denied. I have met all of the requirements for the program. I was on a Direct Consolidated Standard repayment plan until I switched to an Income Driven repayment plan in XXXX. The Direct Consolidated Standard repayment plan is a qualifying repayment plan under the TEPSLF program. I have met all the requirements for the program : I submitted a PSLF Application and had it denied because of non qualifying payments, made 120 payments that qualify under the TEPSLF program, I have over 10 years of full-time employment with a qualifying employer, and my payments 12 months prior to applying for TEPSLF and my most recent payment prior to applying were on a income driven repayment plan. 

Even though I have met all of the requirements, FedLoan Servicing keeps stating I dont have enough qualifying payments. This is absolutely inaccurate and I have all of my statements over the years to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau XXXX XXXX  and Experian for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX Bank. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.
Product: Debt collection

XXXX XXXX  has placed and account on all 3 credit bureaus. Ive sent correspondence to this company 3x via certified mail and I havent received a response. This debt is invalid and was paid within 10 Days of me canceling this old account.
Product: Checking or savings account

No y problem is with Citibank. They have STOLEN my money for almost XXXX months now and unjustly refused to allow me access to it. 
They claim that they can not verify my identity via my phone number. Which I know personally is a lie because a couple of representatives have told me already that my identity HAS been verified via my phone number. However there is a certain department that has to remove the block on my account and they refuse too. I am beyond appalled. 
They claimed to have mailed out a letter with a pin number that I could use to verify however, I never received such a letter. And lastly they will not allow me to cost my account and send me a check for my remaining balance. 
I WANT MY MONEY!!!
Product: Bank account or service

Went to XXXX to open up a checking account, was denied and told I was in XXXX. I requested my XXXX report and it was clear. Went to Chase bank to inquiry about old accounts and was told, they will not allow me to open an account with them due to claims. I asked did they report me to XXXX and was told no. I am not sure why I can not open a bank account with other banks. I currently have a checking account with XXXX XXXX XXXX.
Product: Student loan

I have submitted information on Navients website to defer for a few months. For the past 3 weeks Navient representatives have been calling my work in our office every day before XXXX. Describing the nature of their call which gets routed through to the receptionist, so they are not keeping my information at all private. I requested in XX/XX/XXXX that I not get calls in office, renegotiated my loan termsz then Im XX/XX/XXXX they began to call again. I spoke with someone telling them again not to do this. He said I waived my right to not receive multiple calls at work when I signed my loan agreement. He would not pass me to a supervisor. And I requested a call back from a supervisor after which the customer service agent hung up. The next day, which would be today XX/XX/19, I received another voicemail from Navient. I had explicitly said not to call as well as gave my phone number, which I asked the customer service rep to confirm he has. He refused to do this before he just hung up. I would constitute this as deliberate harassment and sharing of personal information.
Product: Credit card or prepaid card

On closed accounts, this is the problem I'm having with Wells Fargo as a credit card company there trying to shut down the means of complaining after I shut down the credit card. I believe this techniques is being passed on to other banks, the problem with this is they can send the derogatory information instantly to my credit report and to me personally through the mail an email. And then they will accuse me of not caring about, and being slothful towards account. I've been using email to respond to them immediately when they do something wrong. I believe that is illegal I need answers to this this question if I need to go legal route I will.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate late payments for account XXXX XXXX XXXX XXXX. I have tried to get the late payments removed far too long and I do not think an investigation was done because the creditor informed me that Equifax has not reached out for any information. Please see the attached dispute letter that was mailed to the credit reporting agencies on XX/XX/23 which is dated, and time stamped. Lastly, the credit bureaus are reporting inconsistent information which is clearly a violation of the FCRA. I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n if the incorrect late payments are not removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 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: Mortgage

In XX/XX/XXXX I purchased a home. In XX/XX/XXXX it was foreclosed on. Bank of America shows they did a charge off but on my credit reports it still says I owe {$22000.00}. I had XXXX XXXX disputing it and it looks like it was reaffirmed as of XX/XX/XXXX and my credit score plummeted XXXX points. The account was opened on XX/XX/XXXX. The last payment was made XX/XX/XXXX. The account status still shows open but the remarks are : Charged off as bad debt Profit and loss write-off. I did try to talk with them at some time in the last year and got nowhere.
Product: Credit reporting

There are two accounts on my credit report I have been disputing for quite some time now. The account with XXXX XXXX, I returned the XXXX within the thirty day time period. As soon as I had knowledge this account appeared delinquent I dispute and have been every since. Each time I dispute it the credit bureau 's state they have verified the debt is mine. I would not constantly dispute it for no reason. I also disputed the XXXX account because of charges on the account. I complained about this to the XXXX, disputed it with the credit bureau 's to no avail. I even requested the XXXX send me documentation. The most recent XXXX card I held I closed the account myself and paid it off because of this issue. I have several closed and open accounts on my credit report, they are all not perfect but I am paying all of them. These XXXX accounts are dragging my credit score down. In addition I opened an account with Transunion reading the correspondence makes consumer think having the account is affective or important for your credit. Their site offers more credit cards and options which is confusing since this is XXXX of the bureaus reporting consumer credit it seems to be conflicting. After closing the account I constantly receive emails telling me score is going down and I am missing out on valuable information. I do n't see the help in this. In fact the credit card I opened through Transunion 's website XXXX XXXX has credit wise so I do in fact have access to my account. Therefore Transunion was charging me for a feature they offer with the credit card. I am confused and I need help because the companies reporting my credit and score are not helping me especially offering me more credit card and loan options.
Product: Debt collection

Whenever I'm late on my payment which may be one to two weeks. XXXX 's home plus has employees call four to five times a day seven days a week. Even after speaking to someone about my account and when I will be in to pay. XXXX 's home plus repeatedly has employees call four to five times a day seven days a week I have all the calls documented. A lot of the calls they will sit on my voicemail breathing coughing after a voicemail message has already played for them to leave a message and they don't. Right now is a very stressful time. Due to covid-19. And unemployment insurance not paying out in a timely manner. This is harassment beyond mental distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not my accounts. I have shown that I am not a credit repair company nor am I a mortgage company. I also DON'T have a Chapter XXXX bankruptcy and needs to be removed immediately. I have requested the removal of these accounts as now a second request. Please remove them immediately. Thank you.
Product: Checking or savings account

Paypal refueses, always, to help when there is suspect fraudulent charges. No discussion, just denied. 

This happened to me about a year ago, all starting with paypal sending someone an unauthorized debit/credit card, and at that time they accused me of being the one to do the fraudulent charges. From that my identity was stolen, I have multiple police reports about the activity, suspects on video making the charges at a grocery store, XXXX XXXX etc. They clearly don't take this seriously. After months of fighting and filing complaints against them, including the police reports the gave the money back So once again, I go to their resolution center and file a complaint against a charge and within an hour " denied '' no discussion. They need to be held accountable for protecting their customers. Their service is insulting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00}. Please remove.
Product: Mortgage

I am currently behind on a loan on a house that I can not sell because it is worth far less than what I originally paid for it, and I truly believe that I was taking advantage of as a first time. Homeowner buy a predatory loan service and was failed by both the mortgage company and the realtors in their fiduciary duties I currently take care of a household of XXXX including XXXX small children and they count on me as a father to protect them, and I just dont know where to start with the current situation I have been Given I have sought legal action to no avail because the realtor companies are completely protected and spoken to the mortgage company and they do not seem to care I am doing this is my last attempt to get my story heard before I go to XXXX XXXX and make all of this public I would appreciate any help that I could get to try to figure out what to do moving forward thank you.
Product: Debt collection

Approximately 2 years ago, around XXXX or XX/XX/XXXX I began receiving phone calls asking me if I had opened a credit card with this company or the other. I repeatedly said no, I hadnt. I became weary of people calling who asked me for personal information. At some point I spoke to someone on the phone who stated she was from some credit approval department or other and asked if I had applied for a credit card with their company, I said no. She said someone had tried to open a line of credit in my name and social security number and recommended I put a fraud alert. Following that conversation I put a fraud alert. Sometime after that I was contacted by a secret service agent who informed me I was the victim of identity theft along and she had an ongoing investigation as I was one among many people who had their identity stolen. I was informed I was the victim of identity theft by Secret Service Special agent XXXX XXXX. The contact number I have for her is Cell : XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX or email XXXX. I put a freeze on my credit and renewed the credit freeze since. 
More recently, with in the last 6 months, I started receiving mail from XXXX XXXX at Midland Credit Management, that stated I have a XXXX XXXX XXXX XXXX CREDIT CARD notice that I have a current balance I responded to their mail notifying them I am a victim of identity theft and provided further details. I requested they stop attempting to collect the amount since I did not open a credit card with XXXX XXXX and do not owe them money. They continue to send mail and I responded again within the last month or two, again stringing that I am a victim of identity theft. I have notified them again on XX/XX/XXXX that I am a victim of identity theft, did not open a credit card with XXXX XXXX and and do not owe them money. I also requested that they send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report