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

I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I don't recall authorizing. With the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information. I understand thatyou shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : XXXX XXXX XXXX XXXX XXXX XXXX Court Order The following credit inquiries are related to none of the aforementioned permissible TRANSWORLD SYSTEMS INC.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX the XXXX XXXX was called to find out when the paid in full account would reflect on my credit and they said it would but didnt give a time frame. 

It still shows that i owe money and it is a negitive effect on my credit. 

XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is the third time me requesting to have a pin number for all XXXX credit bureaus I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.
Product: Payday loan, title loan, personal loan, or advance loan

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 US code 1681 section 602, it states : I have a right to privacy. Under 15 US code 1681 section 604 ( a-2 ) also states that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, 15 US Code 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. In conclusion, I am exercising my right to privacy, I did not give authorization to report this discrepancy to my credit report thats damaging my credit worthiness, I am requesting that the late payment be removed and my account with upstart report to reflect the update.
Product: Money transfer, virtual currency, or money service

I have XXXX to Coinbase on XXXX XXXX. On Coinbase website, they received the payment but set the status of it to " Pending '' and a message showing that the amount will be available on XXXX XXXX. 
On XXXX XXXX, I opened a case with the Support and still did n't get any reply from their support team. Today is XXXX XXXX and the case is still open.
Product: Mortgage

I closed on my primary residential FHA home loan on XX/XX/XXXX, The initial loan amount was {$190000.00}. I wire-transferred {$20000.00}, for closing costs and down-payment, on XX/XX/XXXX. 

I made substantial improvements to my home in XXXX and the appraised value increased from {$170000.00} in XXXX to {$250000.00} on XX/XX/XXXX. 

I submitted a written request to Flagstar Bank on or about XX/XX/XXXX, to have my Private Mortgage Insurance canceled on my FHA mortgage loan and received a letter dated XX/XX/XXXX, stating : " Dear XXXX XXXX XXXX XXXX : Request to Cancel Mortgage Insurance Premium We have received your request to cancel the mortgage insurance premiums ( MPI ) on the above FHA loan. We can not honor your request to cancel MIP as you are required to have MIP for the life of the loan per FHA guidelines. 

If you have any questions, please call us at ( XXXX Monday-Friday XXXX XXXX XXXX. or Saturday XXXX XXXX XXXX XXXX. 

Sincerely, PMI Department ''
Product: Credit card or prepaid card

My father has a Sam 's Club Synchrony Bank credit card. He passed away on XX/XX/19, and I am the executor of his estate. I called them and closed the account on XX/XX/19. My dad owed a balance of about {$1000.00} and had some money in rewards. They wouldn't just let me use the rewards to pay the balance and said I could " short pay '' the bill and then I could call back to place the rewards against the bill. This sounded to me like I would end up owing finance charges because they didn't seem like they would be quick about it because they told me it would take one to two billing cycles for it to happen. I paid the bill in full and told them I would want a refund check sent to my dad 's estate. They said that could happen. I called back a week or so later to be told that they weren't going to issue me the refund check because rewards just disappear when someone dies. I told them I didn't think that was correct, and I would fight them every step of the way. They escalated the call, and I was told a refund check would be sent, again another one to two billing cycles. It is now XXXX, and I received a bill from them showing a negative balance of {$62.00}. I called again today ( XX/XX/19 ) to ask where the check was. I was told just now that they would have to put in a request for a check, and it would take 4-6 weeks. Seriously, this is ridiculous. I have called at least 5 times. They owe my dad 's estate. I want the money. Can you please help me with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One erroneously reported that I was 30 days past due in XX/XX/2019 on my account ending in XXXX. In fact, I made two payments on said account during the month of XXXX and they have refused to remove this error. I reached out to them on or around XX/XX/2019 and the representative did not address what I asked them to address. He mentioned that I missed a payment in XXXX and when I proved it to him that the company was in error, it was not corrected on my credit profile on all three bureaus. I am requesting that this error be removed from my credit profile on all three bureaus ( XXXX, XXXX  and XXXX ) as it hinders me from securing credit in the future. I plan to continue my relationship with Capital One moving forward and I am just simply requesting that the error they made be corrected as soon as possible.
Product: Checking or savings account

Accounts that were opened in my name at Wells Fargo that i never new about or gave permission/consent to have them opened. I was supposed to receive compensation in the class action settlement and have reached out to get answers on to how, even with Wells Fargo only to receive nothing, no response and no answers. Would some one please help me with this? Oh and while all this is going on i receive letters from Wells Fargo telling that " due to the age and of the debt that account XXXX will be considered closed and no additional payments are required ''. And I've received four of these letters now.
Product: Mortgage

FROM XX/XX/XXXX TO CURRENT XX/XX/XXXX. I HAVE RECEIVED LATE FEES FOR PAYMENTS THAT WERE ON TIME. IVE HAD MY CHECKS NOT GO THROUGH AND WAS UNABLE TO REACH ANYONE TO FIND OUT WHY OR WHAT I NEEDED TO DO? MY BANK HAD BEEN VERIFIED AND ACCOUNT INFO WAS CORRECT SO I HAD NO OTHER CHOICE BUT TO REACH OUT TO OTHER ENTITIES. I CALLED AND LEFT MESSAGES AND NEVER GOT A RESPONSE UNTIL I WENT TO THE XXXX XXXX WEBSITE AND SPOKE WITH A REPRESENTATIVE THERE AND ALSO CONTACTED MY LENDER TO TELL THEM WHAT HAPPENED. AFTER 3 MONTHS I RECEIVED A RETURN FROM THE LATE PAYMENT FEE THAT WAS ERRONEOUSLY APPLIED. 
WHEN I TRIED TO SET UP MY ACCOUNT ONLINE TO MAKE PAYMENTS THEY WERE NEVER ABLE TO SET THE ACCOUNT UP FORCING ME TO CALL EACH MONTH WHICH NO ONE EVER ANSWERS THE PHONE. WHEN I ACTUALLY GOT A CALL BACK FOR THE INTERNET ISSUE I WAS TALKED DOWN TO LIKE A CHILD OR A DOG. MY ACCOUNT WAS RESET OVER AND OVER AND OVER WITHOUT REQUESTING IT TO BE SO I WAS NEVER ABLE TO LOG ON AND USE THE SERVICE. 
IN XX/XX/XXXX I TRIED TO CHANGE MY HOMEOWNERS TO TRAVELERS AND THE NEW INSURANCE CALLED ME 2 MONTHS LATER SAYING THEY NEVER GOT A PAYMENT. WHEN WE CALLED ON 3 WAY THE PERSON I SPOKE TO TALKED TO ME AND THE INSURANCE LADY LIKE WE WERE TRASH. HE TOLD US THAT WE COULD NOT CHANGE OUR INSURANCE BECAUSE IT HAD ALREADY BEEN PAID. THAT I WOULD OWE ALL THIS MONEY. HE MADE ME FEEL SO BAD THAT I JUST STOPPED THE PROCESS. WHEN I CALLED HIM OUT ON HIS BEHAVIOR, HE ADVISED THAT IF I DID N'T LIKE IT I COULD HANG UP. HE WENT ON TO ARGUE WITH THE INSURANCE REP FROM TRAVELERS ACCUSING HER OF NOT KNOWING WHAT SHE WAS DOING WHEN SHE HAD BEEN IN THE BUSINESS FOR 15 YEARS. THE PHONE CALL LASTED AN HOUR WITH HIM ARGUING WITH US. 
I HAVE EMAILS OF HIM TRYING TO APOLOGIZE FOR HIS ARROGANT SLANDEROUS BEHAVIOR. I ALSO HAVE EMAILS OF ALL TIMES I HAD ISSUES WHEN I WAS ACTUALLY ABLE TO GET A RESPONSE FROM SOMEONE. 
CURRENTLY THE MORTAGE COMPANY IS SAYING I OWE THIS EXTRA MONEY WITHIN MY ESCROW ACCOUNT, BUT YET WHEN I CALL THEY WONT CALL ME BACK. SO I AM TRYING TO FIND OUT WHY MY MORTGAGE WENT UP {$50.00} DOLLARS A MONTH AND WHY THE ESCROW ACCOUNT PAYMENTS DO N'T ADD UP AND THEY WONT CALL BACK. I HAVE TO KNOW WHY ITS WENT UP? I ALSO NEED THEM TO EXPLAIN WHAT THEY DO WITH THE FUNDS THEY RECEIVE? THE AMOUNTS DO N'T ADD UP ON THE STATEMENTS THEY SEND. WHAT CAN I DO?? THIS HAS TO STOP!!! STATE HOME MORTGAGE HAS THE WORST BBB RATING AND OTHER CONSUMER COMPLAINT RATINGS I HAVE EVER WITNESSED!!! WHY ARE THEY ALLOWED TO CONTINUE THIS TYPE OF BEHAVIOR WITH SUCH RATINGS? IS THEIR NO PENALTIES OR DISCIPLINARY ACTION THAT CAN BE MADE AGAINST SUCH COMPANIES TO KEEP FROM THEM FROM CONTINUING IN THEIR ACTIONS??
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name Address : XXXX XXXX XXXX  XXXX, NY XXXX Date : XX/XX/2023 I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

Account name XXXX XXXX XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove ti from my credit report.
Product: Student loan

I began a repayment plan in the fall of XXXX after learning that I was no longer eligible for forbearance or deferment options. I spoke with an account manager who placed me in a program that allowed me to make semi-reasonable payments with auto deduction. I re-enrolled in this program every year since that and have been current the entire time. However, in XX/XX/XXXX I received notification that my payment would increase. I called that month and was told that it would not increase until XXXX, but I would have to wait until then to request the continue the current payment. I called the first week of XX/XX/XXXX and was told that there was no program I was eligible for from two account managers with no explanation as to why. There was no attempt to work to resolve the issue that the payment is too high for me to pay after 3 years of perfect payments.
Product: Debt collection

I have no knowledge of this debt. I made XXXX separate calls to XXXX different numbers. The first representative advised me the debt was for books that I ordered. When I asked where the books were delivered I was not provided an answer. The second call was even more frustrating and I was advised that it was clothing. I never opened an account in XXXX with Portfolio
Product: Mortgage

I pay XXXX XXXX to take money from my bank account twice a month & make one monthly payment to my mortgage company, XXXX XXXX XXXX XXXX. This has been effective approximately 19 years. XXXX XXXX XXXX XXXX called today, XX/XX/XXXX, informing me they had not received the XX/XX/XXXX payment & since it was over 31 days overdue, they would be in touch with the credit bureau. Upon contacting XXXX XXXX, I was informed they had a " glitch '' but had sent a smaller payment than normal on XX/XX/XXXX. One person said the payment was " overnighted, '' a 2nd person said it was a wire transfer & a 3rd person said she could not see how it was sent, she just knows that it was. It feels to me that they are not being truthful & as I calculate they have about {$4500.00} of my money & my mortgage isn't paid, I am filing this complaint. I have also stopped this service as I don't feel I can trust them with my money. In talking with XXXX XXXX XXXX XXXX, they have not received ANY money but they will give me another day in attempting to solve this issue.
Product: Credit reporting or other personal consumer reports

I sent in my driver license social card to removed old inquiries a stuff I didnt not do they didnt removed nothing. I sent in documents three time XXXX XXXX an XX/XX/XXXX am also XXXX XXXX I let them know the date of birth was wrong on there plus mailing address that I havent stayed at
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Hard Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of the unauthorized inquiry from my credit file. The hard inquiry in question is as follows : BK OF AMER Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Inquiry date XX/XX/XXXX Account Number ( if applicable ) : NoneNone I did not authorize this inquiry, nor did I apply for credit with the company listed above. Under the FCRA, credit bureaus are required to ensure that only authorized inquiries appear on consumer credit reports. Since this inquiry was not approved by me, I am requesting that XXXX remove it immediately to avoid further damage to my credit score. Enclosed, please find copies of my identification and any supporting documents that verify my identity. If necessary, please provide me with documentation proving that I gave explicit permission for this inquiry. If you are unable to do so, I expect the inquiry to be deleted as required by law. Please provide a written response confirming the results of your investigation within 30 days of receiving this letter, as stipulated by the FCRA. If the inquiry is not removed, I will escalate my dispute with the Federal Trade Commission ( FTC ) and other appropriate agencies. Thank you for your prompt attention to this matter. I look forward to your resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Back in 2008 I obtained an Payday loan. I then had to file for bankruptcy and then it got dismissed. Most of my debt form that bankruptcy it appears on my credit report. I attempted to pay this off as it states on my credit report that I owe {$130.00} to clear this off. I called to pay this off and clear the debt. They refuse to take the {$130.00} that they are reporting and now they want me to pay over {$500.00}. I have all the emails and correspondence of this attempts to settle and their response. I then decided to go to the office since I thought I could be easier once I was there to try to settle this matter XXXX more time. This was not possible and instead they claim they will settle with me for the amount of $ 300+. I informed them that this debt has been since 2008 and it would soon fall off my credit report but that I wanted to make the attempt XXXX more time to settle. They are reluctant in any changes. What upsets me is not only that I am trying to clear this off but that they provide the incorrect information and they still are adamant about settling. Why do they report XXXX amount and then ask for another? They claimed that if I did not settle for the amount they are asking that they will NEVER clear the title on the vehicle. I do not use that vehicle but all I want is to remove it from my credit report to improve my credit.
Product: Credit card

I had opened a Chase Freedom credit card with Chase. I also had XXXX other accounts related to this company. On XXXX 2015 statement it clearly identifies that the 0 % promotion was still active and that it was going to be expiring in XX/XX/2015. That is all that it showed ; it did not give a specific date indicating the promotional expiration. 

I paid the card off in full by the due date and thought everything was ok ; I paid off the 0 % balance. 

Then in XX/XX/XXXX statement they charged me XXXX in interest charges. I tried contacting the company and XXXX " supervisors '' ( XXXX and XXXX ) refused to refund the interest charges. They then claimed that the promotion expired on XXXX/XXXX/2015 and that their interest charge was valid. If that were true ; why did the statement generated on XXXX/XXXX/2015 still indicate that there was still a promotion and still showed XX/XX/2015 as the expiration date?!?!?! 

Not only is all of this misleading I think this company is trying to take as much money from people as they can. This is the XXXX company that has ever done something like this and I do n't think I am the only person who they are doing this to. I pay off my credit cards every month and I also pay off my 0 % balances. 

As of today XXXX/XXXX/2015 I have closed ALL ACCOUNTS with Chase. Even a recently opened Amazon account. They lost a customer over XXXX interest charges ; that just tells me this company is working under false practices and does not care about their customers. 

I would like for this company to be investigated as much as possible. It is not right what they are doing. On a final note ; I know that cancelling the cards will affect my credit score .... but I am willing to take that hit and separate myself from a corrupt corporation. 

I will be uploading my XXXX and XXXX statements. Keep in mind when reading them that they indicated to me over the phone that the expiration was XXXX/XXXX/2015 ; but, nowhere does it state this on the statements. And in XXXX statement the notes in regards to the promotional balance are gone ; which if the expiration was truly XXXX/XXXX/2015 then it should have been removed from the statement generated XXXX/XXXX/2015 as well.
Product: Checking or savings account

I made a request to close my CD ( acct ending XXXX ) to XXXX ahead of its maturity date of XX/XX/XXXX. I asked that funds be transferred to my XXXX XXXX account. When the funds did not arrive, I called XXXX on XX/XX/XXXX with my representative from XXXX XXXX to track down the missing funds. After 1+ hour long hold, we were told by a representative, XXXX XXXX that XXXX received the transfer request but allowed the XXXX to renew anyway. 

I am XXXX XXXX XXXX and the only caregiver to my wife who suffers from XXXX. I could not remain on hold for another hour that day to see why this happened. I tried again -- this time with my daughter on the call -- in a XX/XX/XXXX phone call. Again, we were on the phone for an hour and never spoke to anyone who could explain why the CD was renewed or actually take steps to resolve the issue. 

I am asking XXXX to cover the penalities associated with closing this account now, and I'd like the balance in the account transferred to my external bank account that is already linked to XXXX. 

I have XXXX other CDs that I would like to close, and I'm prepared to file more complaints if these are not handled without a phone call to Synchrony Bank. I believe the bank is using long wait times to avoid closing my accounts.
Product: Student loan

I have made all required monthly payments to my consolidated loans ( currently serviced by FedLoan ) while employed by a an eligible nonprofit employer for almost 10 years, and 31 of my payments have been classified as ineligible. I have followed all loan servicer instructions and directives and documentation from federal agencies precisely as they existed at various times over the past 9+ years, so am deeply confused and concerned that many payments are ineligible. 

Multiple payments classified as ineligible by FedLoan have been under " manual review '' for over a year with no change. In XX/XX/2021 I submitted my annual certification in an attempt to have my payments reviewed for both XXXX and XXXX eligibility with no change. I formally requested that the other ineligible payments be manually reviewed earlier this summer with zero change in status. 

Please note that I have faithfully paid my required payments every month for almost 10 years ( 9 years 9 months ), stayed in eligible full-time employment ( 2 non-profit employers total ), in the good faith belief that I would qualify for federal loan forgiveness at the 10 year mark as described by all program documentation. 

As of XX/XX/2021, after 9+ years of payments, I have paid {$42000.00} of the original principle balance of {$64000.00}, and have a remaining loan balance of {$45000.00}. According to FedLoan, I have 40 remaining payments under XXXX and 31 remaining payments under XXXX. This is outrageous, and I ask that my payment history be reviewed and my " ineligible '' payments be reclassified as eligible and my payment summary updated accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX 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 XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft and fraud to XXXXXXXX XXXX that they are reporting to credit bureaus and the account is not my account. I requested XXXX XXXX  remove the fraud from my name and from the credit bureaus and they refuse to remove the fraud. I am suffering loss and harm as a result of their negligence.