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

I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX while I was living in XXXX, Alaska. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan.  The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is : Education Loan Number : XXXX XXXX XXXX in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX    XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AK XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was frauded by someone living in XXXX. Filed a dispute with my Wells Fargo and they were unable to help me or get my money back. I did my research and found more info on the person in XXXX such as phone number and home address.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reached out to rocket mortgage to go over options with them to refinance my home. The rep I spoke with went over various options with me and on XX/XX/XXXX told me that they could move forward but not with my husband on the application because he is self employed. Obviously this was not ideal. I told him then that I would like to pause the application for a couple of months and see if we could make some changes to make it so my husband could be on the loan. On XX/XX/XXXX at XXXX he responded and said that he completely understood and he would let his pricing team know and that when the time is right to please reach back out and they would be happy to help. On XX/XX/XXXX I received an email from an appraiser telling me that he was contacted by rocket mortgage to do an appraisal on my home. I told him that there must be some mistake and that I would not be needing this services because we had opted not to move forward. I again reached out to the rep I had been working with who stated that " yes I will check it out in the morning. I just received an email this afternoon about your good faith deposit being denied and that should have led to a pause in the process. I will talk to my director tomorrow and let him know. '' Luckily I had a feeling there would be issues and thankfully I had already pulled that money out of my account so they could not withdraw it just in case. The rep scheduled a call with me for XXXX on XX/XX/XXXX to follow up with me and assure me that everything was paused. A couple of minutes before our call on XX/XX/XXXX I received an alert on my credit that a hard pull had been completed. During our call the rep I had been working with assured me that it was done in error and that he would fix it. He said that he reached out to his manager and that they were removing it as an error and that it would take XXXX to XXXX days. Now today XX/XX/XXXX I get a call, email and a text message from a different rep with rocket mortgage asking me how things are going with my loan. I explained the above to him and he responds by telling me i need to call a client services number. I feel like I'm getting sent through an unending loop with this company just to fix their mistake. I never approved this hard credit pull. In fact I specifically asked multiple times for it not to happen. The company responded and tried to tell me that I did not withdraw my application until the XXXX. I have attached proof that is a lie. I would like this false information removed from my credit. This is a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, and 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
Product: Debt collection

Received letter from USAA regarding opting out of debt communication. Unknow what the debt is for. Received no information -- no e-mail, no phone call regarding debt. I owe USAA for no debt. Credit card paid as requested. Car loan payment was late but paid XX/XX/23.
Product: Bank account or service

I have placed a request of transfer of Health Savings Account funds from HSA Bank to another custodian since early XXXX. I have contacted HSA Bank several times to inquire on the transfer status. Each time I am confronted with another delay and excuse why they wo n't release the funds. The last time ( XXXX XXXX, 2017 ) I was told that they require up to 6 weeks to process a payment. It is beyond reasonable that a banking institution would require such a duration to perform an action like this. At this point, I believe the funds are being withheld with undo and intentional delay for financial gain of interest and/or fees by HSA Bank. A definition of fraud is a deliberate deception to secure unfair or unlawful gain, or to deprive a victim of a legal right.
Product: Credit card or prepaid card

When booking a flight with XXXX XXXX back in XX/XX/XXXX, I was offered a discount and travel miles if I applied for their CitiBank XXXX credit card, which I did. Typically, when this is done, an account is opened for approval and the travel charges are made to the card. This was not the case here. I was informed I would receive a card in the mail in 7-10 business days. I received an explanation of my benefits ( in one mailing ) and my pin number ( in another mailing ) but no card. When I called to inquire, they said nothing more than " the card was sent back. '' I asked them to instead send it to my work address if there seemed to be a problem, and they said they would have someone call me back to verify my identity for security reasons. I received no call back. Then, I called again, and was told they would re-mail the card. Nothing. I called again, and they said a manager would call me back. Nothing. Today, I called to close my card and they said they can't do it without verifying a text code that they sent to my cell phone, which I never received. I asked to elevate this to a manager, and they said no one was available, and somebody would call me back. I just want to close the [ expletive ] account. If these offshore phone banks are their idea on how to deal with customers, I want no part of this banking company and intend to do business elsewhere. However, I need to close my account and no one will help me. Please help! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Kindly verify the documents, as some accounts are reported inaccurately with wrong amounts and dates.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going i am not sure if this is some type of mistake as i assume it has to be i have not been able to get help from them from emailing, calling their support. I remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I have already filed an FTC report. 

The inquiries are : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to begin this letter by thanking your company for the many years of great service I experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 



There was a period of time where the world was going through a hardship due to covid. I always tried to my best to get every payment to you on time but there was one payment that was received and reported as 30 days late back in XXXX, XXXX, XXXX of XXXX. Before that hard time and ever since I continued with my timely payments. 



These late payment is extremely damaging to me in a lot of ways, mainly it is hindering from accomplishing other financial goals and my chances to receive a qualification for a mortgage. 



I am asking you and your company for a goodwill request. I have maintained a good paying history with you, with just that one exception and I ask for you to please eliminate the late payment with the credit bureaus by filling out Universal Data Form and faxing it to the credit bureaus that you report to. 



I am pleading with you to honor my request, which would mean so much. Please take into consideration what a good customer I have been. 



Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 



Respectfully yours XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against XXXX regarding their failure to address my dispute concerning unauthorized and illegal reporting on my credit report. 

Details of the Complaint : Date of Report : XX/XX/year> Disputed Information : unauthorized and incorrect payment negative information Reason for Dispute : This information was reported without my authorization, and my requests for correction have not been properly addressed. 
Despite providing supporting documentation to XXXX that clearly illustrates that the reporting was unauthorized, they have failed to remove this information or provide a satisfactory response. I also sent them 3 different dispute letters about the matter. This situation severely impacts my creditworthiness and potential financial opportunities. 

This complaint is supported by relevant laws, including : 15 U.S. Code 1681 ( a ) : Establishes the requirement for credit reporting agencies to maintain accurate information.

15 U.S. Code 1681 ( s ) : Clarifies the consumer 's right to dispute inaccurate information and the responsibilities of credit reporting agencies in investigating such disputes. 
15 U.S. Code 1681 ( e ) : Requires reasonable procedures to ensure maximum possible accuracy of the information reported. 
As mandated by the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information, and I expect XXXX to comply with these regulations. 

I request that the CFPB investigate this matter and ensure that XXXX adheres to FCRA standards by correcting these inaccuracies promptly. 

Thank you for your attention to this urgent matter. I look forward to your prompt response regarding my complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

Freedom Mortgage acquired my loan, then immediately contacted me about a payment lowering, no money down new mortgage. This proved to be a bait and switch as after months of wrangling, they insisted I come to the table with as much as {$18000.00}.
Product: Vehicle loan or lease

Hello, I am submitting a complaint after several rounds of dispute letters. Clay cooley is still being reported in my credit profile when the loan account was transferred to XXXX XXXX XXXX XXXX XXXX ). Why is this Clay Cooley account still reporting as opened when it was sold and transferred. I have attached proof for both accounts. The account status is incorrect, please remove this from my credit profile. This has already been claimed on my taxes as well
Product: Debt collection

ALTHOUGH I already summit many complaints against XXXX XXXX XXXX and XXXX XXXX true the CFPB portal, these XXXX companies went ahead and report on my credit report as a negative item. 

I requested many times signed and dated documentation between me and the above mention companies that shows that I have any business with and till this date they are not willing to provide me with any legal documentations. 

Experian, XXXX and XXXX allowed these XXXX company to report on my credit report with out the proper and legal documentation.
Product: Credit card

I recently opened a business savings account and checking account with Chase Bank during the month of XX/XX/. All the requested paperwork was provided, and the business accounts were opened. It was then suggested that I apply for a Chase Business credit card, and I applied. Again, all necessary documents were provided, and they ran my credit, which happens to be around XXXX. Chase then mailed me a letter about possible identity theft and that I needed to call them and verify some information. I did that. I called them for an update and was basically told that the application was closed and that I should re-apply. I asked why and was given no answer. Why would I need to re-apply and have them run my credit AGAIN. This was done and I was told that I was verified. My reference number that Chase provided to me is XXXX. I could understand if they made a business choice to not lend to me but explain that. I happened to be in the top 10 % of credit worthy people and pride myself on having and maintaining excellent credit. To just say, apply again is not right or fair.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX  XXXX {$3800.00} XXXXXXXX XXXX  XXXX {$3000.00} XXXX bank XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$35000.00} These credit accounts are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts 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 EXPERIAN, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX, I am an XXXX XXXX XXXX. PayPal has held my funds illegally without me having done anything to the company. I just woke up and found the have locked my entire savings. I want my money released as I have Bills to pay. My PayPal email is registered as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several hard credit inquires on my TransUnion credit report. None of them were appearing on the reports from the other credit reporting agencies ( XXXX and XXXX ). I called TransUnion to dispute this and have these removed. I said that I suspected that they might be related to a recent system glitch TransUnion made by removing, then reinserting inquiries back into consumers credit reports ( from what I understand can only be done in a very specific way that requires notification to the consumer ). Nevertheless, the customer service representative was not willing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to bad service in XXXX I closed all my Bank accounts with JP Morgan Chase. I had 2 credit cards with them which they immediately reduced my available credit damaging my credit score from XXXX and reducing it to XXXX. 
I received two late payment reports for two separate JP Morgan Chase credit cards in XX/XX/2020 : A personal Chase Freedom credit card and a business credit card. I wrote a letter to dispute these late payment reports in their entirety and to have them removed from my credit reports. During the periods of XX/XX/2020 XXXX I went through financial hardship due to Covid-19 and its restrictions. I was told by a Chase employee my credit card accounts can be signed into their credit card relief & Forbearance program ( Appendix B ) and that I can receive covered accommodation which I accepted. During this period all credit accounts were paid and current as outlined in 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( iii ). I was told that under Chase accommodation program I could delay up to three payments on my personal or business credit cards since I had been affected by COVID-19. I was told during the relief period I would get : Statements showing no minimum payment due Refunded Late Fees No negative reports to credit agencies regarding late payments Still there was a mistake and were late payments were reported for both credit cards which is against Chases accommodation program and Terms and Conditions for credit cards in their accommodation program. Chase Credit Card Terms & Conditions for Covid accommodations. I am reporting Chase bank had a clerical or computer glitch/error in their system and that my accommodation was somehow not registered. I brought this error up to Chase Bank and was told to correct the issue with the credit reporting agencies as, according to their employee, they do not have a process in place to correct this errors once reported regarding Covid-19. Because of this I am requesting that all late payments reported by Chase Bank in the month of XXXX be removed from my credit report and further request that any damage to credit which occurred by Chase Bank decreasing my available credit be correctly reflected/noted, in written statement - to be an error and a mistake by Chase Bank I paid off all my Chase credit cards but due to their reducing my available credit limit and retaliatory tactics to my choosing another bank as is a consumers right I was unable to qualify for another credit card despite having XXXX debt. I applied for credit cards and was denied further damaging my credit score. It fell from XXXX to XXXX because of this which I believe is all a single issue. Chase damaged my credit and reputation due to my leaving their bank and credit agencies have been less than helpful in communication with me to correct this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I was trying to get a loan and they refused to give it. I asked the reason so they show me I have a XXXX XXXX Credit Card never paid since XXXX. It was a surprised. I went to XXXX XXXX  they told me I have a Credit Card under my name since XX/XX/XXXX with a Balance of {$6400.00}. I called XXXX XXXX  I told them somebody used my identity. Even they told me that, what I remember in PA, the East side of U.S.A. I told them is impossible, I never opened that account and never lived there. I Asked Experia but they couldn't solved the situation. It is the reason I asked you because I haven't opened that account. 
This was a real surprise. 
I hope you can help me to solved this situation. My Credit is totally damage because of this.
Product: Debt collection

FAILED TO PROVIDE VALID DOCUMENTATION OF DEBT WITH MY WET SIGNATURE
Product: Credit card

Promotional Credit card APR ended, and balance was paid in full. Discover did not credit the payment according to the credit terms of the agreement. Payment applies to the lower interest rate first, any excess payment is to be applied to the highest interest rate first. This was not done by Discover in violation of the terms of the credit card agreement. Instead, they ignored this and allowed the interest to escalate to the next tier and the interest rate quadrupled. This is a bait and switch tactic. I suspect other consumers have fallen to this scam. This case should be referred to the Attorney General for prosecution and investigation.
Product: Credit reporting or other personal consumer reports

I looked at cresit report and seen fraudulent accounts. Please delete!! Accounts are affecting ability to love healthy life.