23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I closed my American Express green card account ( ending in XXXX ) on XX/XX/XXXX. They continued approving recurring charges after that date. I had access to the closed account and so could see the new balance, and continued to pay the balance monthly. I called and asked them to stop approving new charges since the account had been closed by me, and I called the merchant to tell them to suspend recurring charges. Instead, the merchant continued submitting charges, and American Express continued to approve them, even though the account was cancelled. In XX/XX/XXXX, I opened a new green card ( ending in XXXX ) and at that point could no longer access the old account ( XXXX ) to view the balance or make payments. I called American Express to verify there wasn't any account with a past due balance, including the account ending in XXXX, and they informed me all accounts were current. They reported the account ending in XXXX as delinquent in XXXX and XX/XX/XXXX, as a result of charges submitted months after I closed the account and they approved " on my behalf '', despite my cancellation of the account and instructions not to approve any new charges. I believe they do this because it is in their financial interest to do so, even though it harmed my credit score badly. I've been a card member of American Express since XXXX. I've written to their customer service and credit bureau unit XXXX times over the past 12 months and have filed XXXX formal complaints with them. I don't believe they should be able to legally approve charges on behalf of customers on closed accounts and then bill those customers for late fees and report the accounts as delinquent, when the customers expressly instructed them to cancel accounts and stop approving charges. They made money in this situation, and my credit score decreased significantly. It's the only delinquent report in my credit history in my lifetime.
Product: Mortgage

After 24 months of on-time mortgage payments I requested an appraisal on my home in order to get the mortgage PMI removed. Initially, I was given an incorrect email by the agent at My Loan Care. When I followed up with the company I was told that my only option was to fax a letter to the PMI department and that the previous My Loan Care worker was wrong. 
I faxed the letter to My Loan Care and put in the letter that I was requesting an appraisal and the my request be expedited due to their staff providing false information. After a few days I called My Loan Care to follow up on my request. I was told the PMI removal request had been denied because I didn't have the correct loan to value ratio. They said I has to submit a request for an appraisal. I told the call agent that I had included a request for the appraisal in the the letter I had already faxed. The agent agreed to take payment over the phone. 

On XX/XX/2019 the Appraiser performed his assessment. He told me that he would send his report to My Loan Care by XX/XX/2019. The week of the XX/XX/XXXX I tried numerous times to get assistance from My Loan Care.I spoke with someone who told me that they would submit my request for a copy of the appraisal and that my PMI review would be processed XX/XX/2019. However, I never received a copy of my appraisal or notification of the PMI review. My calls to the center since this request have been in vain. When the call menu offers an option to call me back when it's my turn in the queue I never receive a call back. In another instance, I waited on hold to speak a call worker for 52 minutes and then she transferred me to the wrong department and had to start over in the queue. Another time, I waited for over 30 minutes only to talk to a call worker who put me on hold so long that the call disconnected. 
After searching the My Loan Care website I found a link to request my appraisal documents. I submitted the request XX/XX/19 and still have not received my documents. I have email confirmation of this request. I have also made earlier attempts to contact the company via the " Contact Us '' link on their website, but this option does not provide email confirmation. I can see that the house 's new appraisal value has been added to my account so I know the company has the appraisal documents. I believe this company is not only unable to deliver timely, informed service, but they are willfully postponing the removal of the PMI from my mortgage so that they can make as much profit as possible. I also believe that I am entitled to a copy of my home 's appraisal report and since I paid for the appraisal I should be sent a copy immediately. My home has appraised for more than enough to have 20 % equity and I have waited the required 24 months to file for PMI removal. This company is not following their own rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report that does not belong to me and need them to be removed this is holding up my process to buy home and here the accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX
Product: Debt collection

Navient is the loan servicer. I have repeatedly informed them of their daily multiple annoying calls using several different numbers. They have continued to call when the account is up to date and next payment is not due for a few weeks. I have asked them to communicate with me via email only and they stated I had to go their cease and desist procedure which is supposed to be on their website, however, I never found it. They call me all day a minimum of 6 or more times every day for a payment that is less than {$100.00}.
Product: Credit reporting or other personal consumer reports

I have on multiple occasions disputed a XXXX XXXX XXXX XXXX  REPORT ON MY CREDIT FILE. 

XXXX continues to hold me accountable for fraudulent transactions on a bank account I opened in XXXX. Within two months my account was closed after my debit card was stolen out of the mail. Someone rented a XXXX XXXX and made fraud check deposits and withdrawals at an atm. I disputed this activity and requested an investigation. 
XXXX, instead turned me into collections. 
XXXX, dispute numerous disputes filed, identity theft. Gov and police reports provided, continues to keep reporting this derogatory fraud account from XXXX. 

In addition, I am in THE STATE OF WASHINGTONS ADDRESS CONFIDENTIALITY PROGRAM and have only a po box for mailing. 
The credit agencies keep posting my physical address on my credit file putting me in danger. Ive expressed the need for it to be removed. While they did remove it. I have been receiving mail from all my creditors now addressed to my confidential address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XXXX XXXX XXXX XXXX 2021 2021
Product: Checking or savings account

On XX/XX/2024 I deposited a check in the amount of {$610000.00} at Chase branch in XXXX, TX the check was cleared the same day as I was told by their employee XXXX who called XXXX at XXXX XXXX  and verified that the check was good and paid to Chase and the bank lied to me saying we need some time to collect the check while they had the fund in their position as I was told by XXXX saying we have the money and we will left the hold within XXXX hours on XX/XX/2024, but when he turned it to what he calls the back room where the XXXX  reside they denied to lift the hold and claimed that the hold will be lifted on the XX/XX/2024. 
Please investigate this matter which caused financial hardship to me due to the XXXX  ways of chase Bank
Product: Debt collection

This company ( SANTANDER ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$7400.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Mortgage

Ocwen became my mortgage servicer XXXX XXXX by XXXX and immediately they foreclosed on me. I got an attorney to fight but held up for awhile, during the time they were being suited, from everywhere, during the same thing they was trying to do to me. I signed a loan with XXXX XXXX XXXX XXXX in XXXX, with XXXX, than XXXX, then XXXX, now XXXX. XXXX still want provide my attorney with the proper information for the modification loan, they offered me. Something really need to be done, about this deceitful companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent letters to TransUnion regarding not only the inaccuracies regarding a bankruptcy on my credit report, but I have also included legitimate facts on how they are breaking the law with the reporting in itself. I have been sending in letters every few months with the same results, of them telling me that : they will no longer investigate. The last letter I sent, dated, XXXX, XXXX, 2002, they responded with a letter, " applauding '' me on my " efforts '' - then went on to insinuate that I used a credit repair company. I DID NOT use a credit repair company to dispute all of the inaccuracies on anything that I have requested ( most of which have not been corrected ), but if I did, I have the right to do whatever I need to as a consumer to ensure that my credit report is ACCURATE!!! I do not need an applause, I need for TransUnion to follow the law and report accurate information concerning my report. I have also sent letters regarding the verification of my student loans, but have received similar responses. I am very aware that TransUnion, as well as others are an elaborate mechanism, with no standing authority, pursuant to 15USC 1681 ( a ) ( 2 ). So, what/who gives them to right to decide what they " think '' is fair? They are not only breaking the law by violating my privacy, they are also NOT accurately reporting said information in its certifiable requisite Metro 2 compliance format.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/year> : Since then, the date last active has been inconsistently updated. On XXXX the date last active is ( XX/XX/year> ) on Transunion its ( XX/XX/year> ) and on XXXX its ( XX/XX/year> ). If the information is coming from the original creditor, the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. 

Capital XXXX : XXXX
Product: Debt collection

The company keeps calling me, I do not know who this company is. I told them to stop calling a month ago. This is harassment and I want it to cease immediately!
Product: Debt collection

XXXX is reporting to Equifax, XXXX, and XXXX a XXXX that was paid in full. 
The company is reporting XXXX, XXXX, and XXXX dates of last activity XXXX and XXXX. I have contacted this company via telephone. The company states they do not understand why Equifax, XXXX, and XXXX are reporting the outdated date. The only thing they can persist is XXXX XXXX continues to report. 

The debt last date of activity XXXX and XXXX which is well over the Federal Regulations for reporting status of seven years on my credit reports. These amounts effect my debt to income ratio.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : XXXX Date of inquiry : XX/XX/20XXXX 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: Credit reporting or other personal consumer reports

Citi Bank account XXXX XXXXXXXX closed charged off with a {$680.00} balance reported CO in XX/XX/year>. 
XXXX XXXXXXXX XXXX XXXXXXXX closed charged off with a {$550.00} balance reported CO in XX/XX/year>. 
XXXXXXXX XXXX XXXXXXXX closed charged off with a {$160.00} balance reported CO in XX/XX/year> I asked all of these companies to mail me a copy of the 1099-C that each company got a tax right off and not one company sent me a response or a copy of the 1099-C. I can't get this copy from any of the Companies I have to contact the IRS for a copy. All of these companies should please send my 1099-C as soon as possible.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i noticed that i have been a victim of identity theft and found numerous credit inquirires i have no knowledge of here are the inquiries that i have found XXXX  XXXX XX/XX/year>, XXXX ( Bank ) XX/XX/year>. Please remove and dispute listed fradulent inquiries from my credit report
Product: Debt collection

Dear Credit Collection Service, I am writing to formally request validation of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt and require proof that I am legally obligated to pay it. Specifically, I request the following information : The amount of the debt : Please provide a complete breakdown, including any interest or fees. 
The name of the original creditor : Identify the original creditor, along with any documentation showing the transfer of the debt to your agency. 
Proof that you are legally authorized to collect this debt : Provide documentation demonstrating that you have the right to collect this debt on behalf of the original creditor. 
Verification that the debt belongs to me : Include any signed agreements or contracts that clearly show I am responsible for this debt. 
Under the FDCPA, I am entitled to receive this information before any further collection activity takes place. Additionally, until this debt is properly validated, I ask that you cease all collection efforts, including reporting this debt to any credit reporting agencies, as doing so without validation is a violation of federal law. 

Please consider this a dispute of the validity of the debt, and do not contact me further regarding this matter unless and until you provide the requested validation. Failure to validate this debt will be interpreted as your inability to provide proof of my obligation to pay, and I will consider the matter closed. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX tried multiple disputes with this account i am unaware of this is identity theft
Product: Debt collection

XXXXXXXX XXXX XXXX is saying they went to court which I knew nothing about a court date. Their saying I owe almost {$4000.00} that one I don't even remember getting a loan from XXXX XXXX XXXX  for {$4000.00}. Their saying that there will be tax consequences this year to look up tax consequences online if I dont know what they are. It's crazy that they went to court against me and I didn't get a summons to court to stand up for myself. Im not sure but I dont think that's legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently checking my credit report Equifax on XXXX/XXXX/2017, I noticed information wrongly reporting, or incorrectly reporting on my credit report from my student loans for {$3300.00} which was already consolidated from XXXX to XXXX. I would like this resolved. I tried to resolve this on my own but I could n't get it handled.
Product: Credit reporting or other personal consumer reports

Tonight, I was stunned to discover accounts on my credit report that simply dont belong there, and I dont understand why theyre showing up. I check my report regularly, so seeing these inaccuracies was completely unexpected. I tried refreshing the browser, thinking it was a display issue, but the errors stayed. Im therefore asking that my documents be fully reviewed to prevent this from happening again.
Product: Student loan

Aidvantage denied my application for an income driven repayment plan that was approved by and sent to them by the department of education because I had regularly paid on my loans during the payment pause. Yes you read correctly, Aidvantage said because I was paying my loans during the pause that my loan was in paid ahead status. and because my loan was in paid ahead status, I could not be placed on an IDR plan. So basically I was punished for paying my student loans during the payment pause. The denial of my IDR from aidvantage said I had to call Aidvantage customer service and request to be taken out of paid ahead status. It took over an hour for me to reach someone and when I did, it took another hour for them to research my account only to end the phone call saying they have put in a request to have my account removed from paid ahead status and to call them back in 9-10 days to see if my account has been taken out of the status and to reapply yet again for another income driven repayment plan at that time. It should be noted that I am also under PSLF as a federal employee and the IDR plan was tied into that.
Product: Credit card

In XXXX 2014, I requested a line increase to my Bank of America credit card form {$5000.00} to {$6000.00}. Just this week, I applies for a loan and my credit score was extremely low. On my report it shows that my Bank of America credit card showed that I was over my limit and had been for the almost one year. I contact Bank of America and they say that I was never approved for the {$6000.00} increase however, they let me go over my credit card limit and allowed the purchases up to the {$6000.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against Cherry Technologies , IncXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding their financing practices and customer service. This matter pertains to a promotion I signed at Skin Tight MedSpa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Friday deal ) and financed through Cherry Technologies , Inc. 

I signed up for a course of XXXX XXXX sessions, a procedure that was marketed as painless. Rather than using my credit card, as I typically do, I was persuaded to finance the purchase through Cherry Technologies , Inc., under a 0 % loan agreement. While I found this unusual, I engaged with Cherry Technologies , Inc. in good faith, expecting professional and transparent practices. 
_It was not " free money '' as the beautician promised, there were hidden Fees and other hidden costs attached to that loan. 

On top of that, the XXXX procedure turned out to be extremely painful, leaving me both physically injured and emotionally distressed. After one session, I decided I could not proceed with the remaining treatments. I contacted XXXX XXXX XXXX  to request a refund for the unused sessions, providing photographic evidence of the bruising and harm I suffered. Unfortunately, my request was denied. The salon directed me to Cherry Technologies , Inc., claiming that they were responsible for the financing agreement.

I found myself trapped, forced to pay for services I no longer wished to receive. When I tried to explain my situation to Cherry Technologies , Inc., I was met with harassment and threats about my credit score.

I did not know consumerfinance.gov exist at the time.

And this caused significant emotional distress and left me feeling powerless. Under pressure, I made a few additional payments before canceling my credit card and stopping payments on XX/XX/XXXX. 

After halting payments, I began receiving weekly harassment calls from Cherry Technologies , Inc. representatives. On XX/XX/XXXX, to stop the relentless calls and resolve the matter, I settled the outstanding balance for {$200.00}, even though the original balance was {$410.00} Despite this, my credit score dropped by over XXXX pointsfrom excellent to barely good. This has caused financial hardship and emotional distress. 

On XX/XX/XXXX, I contacted Cherry Technologies , Inc. again to explore the possibility of restoring my credit by paying the remaining {$200.00}, but I was informed that it was too late to take any corrective action.

The financial and emotional harm caused by Cherry Technologies , Inc.s practices have been devastating. I believe these practices are predatory and harmful, and I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate Cherry Technologies , Inc. for potential violations of consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX USAA SAVINGS XXXX XXXX Are Closed / Charged off reporting in active balance. submitted numerous of disputes and contacted the credit bureaus to remove inaccurate account or change balance to {$0.00}. But do not investigate or change.
Product: Credit card

I originally opened an account with Wachovia bank back in XXXX. Wachovia changed over to Wells Fargo and in XXXX, I called Wells Fargo regarding accounts that were opened in my name that I did not authorize. There was never any follow up from them regarding this. In the last year I have been reaching out to Wells Fargo regarding accounts full account of any and all accounts that were and are opened under my name and social security number. I know of 4 accounts, A business check and savings and a regular checking and savings. I was told last year that a settlement check would be sent to me but I have yet to receive it and would like whatever is due to me considering what damage these open accounts have done and restricted my access to better rates.
Product: Mortgage

I made a payment from XXXX Bank online bill pay to Wells Fargo Home Mortagage on XXXX/XXXX/XXXX. Wells Fargo returned the payment on or about XXXX/XXXX/XXXX without any notification or knowledge to me. They started reporting my mortgage as past due a rolling over 40 month past due because of this issue. In XXXX I tried to refinance and found issues with my credit report concerning Wells Fargo. At one point Wells Fargo admitted it was their mistake and an internal error where they had applied the payment to escrow however when audit of escrow showed an overage they returned the payment to my bank when in fact it was ALWAYS MEANT to have been applied to MORTGAGE. I have been working tirelessly trying to get this issue resolved and my credit corrected and all interest and penalties charged to me corrected and me made whole again. I have been requested to give Wells Fargo Information regarding the transaction of XXXX Bank concerning this payment. Please find attached information that I received from XXXX Bank. 
From : XXXX XXXX : Tuesday, XXXX XXXX, XXXX XXXX XXXXTo : XXXXSubject : Wells Fargo payment XXXX/XXXX/XXXX PAYMENT EXTRACT MERCHANT REPORT PAGE XXXX WELLS FARGO MERCHANT ID = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Retail Operations XXXX ( XXXX ) XXXX - Office ( XXXX ) XXXX - Cell