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

I went in to a spa XXXX SKIN CARE in XXXX Ma. I paid to get XXXX fractional laser. I did not get co XXXX fractional laser what I got was XXXX. 

Ive sent in police reports plural and lots of proof and letters as to why I know I should get my money back. Ollo credit card was part of the initial purchase where I used XXXX cards. XXXX of these cards have refunded the money with the initial police report. Ollo is refusing to refund the money. They have the police report and XXXX waiting for the police report filed on XX/XX/XXXX. The merchant sent documents that have been forged to XXXX XXXX and I did file a second police report. Im waiting to get a copy of this. 

Ollo im disputing XXXX. XXXX if any knows that I have proved my case time and time again. In XXXX of the letters they recently sent me they wrote go to whoever I need to resolve this thats exactly what Im doing now. 
Ollo was part of the first purchase. I know I proved my case because the other XXXX cards sent me letters stating the dispute ended in my favor. So if it ended in my favor for the same purchase with XXXX other credit cards how is ollo credit refusing to refund the XXXX. 

The first purchase was made on XX/XX/XXXX. 

There was a second purchase made on XX/XX/XXXX and with XXXX cards XXXX bank and XXXX XXXX. 

XXXX XXXX is the card that provided me with the documents showing the merchant has forged documents and I did go to the XXXX Ma police a second time. 

I am requesting that this report include all XXXX credit cards companies but specifically ollo because its just blatant that they are breaking the law. 

I will provide the first police report as I have copies of it. I spent XXXX in total and it doesnt seem that these banks are attempting to help me. They accepted forged documents to deny my dispute. Its very clear to anyone with eyes this document was forged. 

XXXX XX/XX/XXXX was forged. I did not sign this paperwork. The merchant is sending in paperwork that has nothing ti do with the purchase in the credit cards. 

I paid for XXXX fractional laser and I received XXXX. 

This is wrong. I work very hard for everything I have and worked hard hoping to get XXXX Fractional laser and got Fraxel. Ive proved my case and this is causing me to become sick. Ive had enough. Ive gone to police and reported it Ive written multiple letters and even supplied police reports. 

XXXX should have already refunded me my money. I can see that XXXX and XXXX were presented documents that were forged. 

XXXX told me go to whoever I have to in a letter they sent to me and I did. I also am going to the FBI because I believe that XXXX is breaking the law. They know themselves that I have proved my case they just dont want to refund the money as its XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


1. SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 company is reporting fortunately an accurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

alert on my credit report from bank I did not consent to reviewing my credit report.
Product: Money transfer, virtual currency, or money service

PNC Bank is not cooperating to make the availability to link their online users account with others therefore we can not use our own money. I am an established XXXX XXXX attempting to get funding from the government and without the link I can not receive the funds.
Product: Debt collection

This company is illegally attempting to collect a debt not owed by me. They added this on to my report an this is affecting my ability to get a mortgage with COVID
Product: Vehicle loan or lease

XXXX years git an auto loan for a vehicle that had high mileage and agreed to a steady loan rate Give XXXX monthly or more depending on what they conceder late or due payment which is nit even every XXXX weeks Spoke to someone about getting paid Friday not Monday so they call Monday asking for a payment and mark payment late when I already spoke to a Manger about payment arrangements
Product: Checking or savings account

today I check my navy federal account, it is still overdrawn. Not because I havent put any money in it but because the XXXX transfer I recieved takes XXXX days to post to my account ( they changed it from XXXX to XXXX today, I guess they need XXXX more days ) this XXXX transfer came from another navy federal account and not depositing it keeps me overdraft and they continue to charge me for this overdafts. Navy federal it seems can not move money from navy federal to navy federal without XXXX days and XXXX $ in overdraft fees. Ive pointed this out to them and they reply with information about oops accounts and checking lines of credit that I can apply for, I call them a theif and they retaliate with an advertisement. This is common with them now, I have lots of overdrafts and when you go back they all start with 1, XXXX  overdraft that is a bank error ( assuming it wasnt on purpose ) that XXXX error ( there were thousands in the account at the time ) added a penalty because my assumption that what I put in my account would in fact clear so when I purchased like It did it quickly spiraled out of control. I get charged for late payments by both sides so while my fees with navy federal have only been around XXXX the fees for returned checks or late car payments/rent have addd up to thousands. XXXX charges i found have been fraud I told them of the XXXX they investigate XXXX and send the money back and tell me they investigated and found it was indeed fraud, i told them yes but there were XXXX. The other fraudulent charges both had nsf fees because they were put through when there wasnt money, so XXXX charged me XXXX extra. So while they were able to investigate the first charge and find it legit the other XXXX are still under investigation, XXXX weeks later and I was told I would be credited for the fraud purchase but they only gave me XXXX of the credits, which lucky them has created more overdrafts. Its a ridiculous game that I am decided to be loser in no matter what. I search online for help and get nothing but sponsored links by nfcu, thanks big tech, write complaints everywhere possible with no avail, cant even find out who you report this kind of crime to all this takes up soo much of my time, I could get a second job with all the time I have to spend trying to get back money that I already earned. It effectively make me work twice as hard for the same pay lowering my low wages. They are operating my XXXX  account like a payday loan. Help me or tell me who can this is unacceptable
Product: Debt collection

WAKEFIELD XXXX XXXX TN XXXX XXXX The company claims that I owe {$970.00} for a medical bill that was already paid through my insurance according to XXXX in XXXX, TN. I have been to civil court several times however we never see the judge. I consult with the lawyer and we always reschedule. This item is negatively affecting my credit score, and I wish to resole it quickly.
Product: Mortgage

RoundPoint Mortgage bought our mortgages. They keep calling me and asking me to submit our condo insurance. Initially they sent a broken link. I call them back, they send me to a different website. This one says " Thank you for visiting IHaveInsurance.com, unfortunately we can not process your information at this time. 
This site has moved. Please submit your insurance information to https : XXXX please note that you may need to copy and paste the website information into your browser. '' I submit again. They call and say they still don't have my insurance. 

I have no way to send them the insurance directly. They say they use a third party website, but it seems very shady and they tell me if I don't get them the insurance, they will purchase insurance for me. I have called multiple times and each time they tell me it is handled and they have it on record ... and then sometime later, another representative calls me to tell me they don't have it and if I don't get it to them, they'll force me to buy their insurance. 

It feels like a shakedown and a scam. I emailed their president about it and a representative called me back to tell me my insurance is on file a few months ago. This morning I received the XXXX call about not having my insurance. I'm turning to you for help since I am not convinced RoundPoint is legitimate and I had XXXX say in using them since they bought my mortgages. Would love to be sold to another company with legitimate secure websites.
Product: Debt collection

Furnished negative and un-verfied reports to my credit profile without consent.
Product: Student loan

In XXXX XXXX Bank issued a sub prime predatory private student loan to my mother and I for my brief attendance to XXXX XXXX in XXXX XXXX Florida. 

Rather than the loan being sent directly to the school for payment, the loan was sent to us the borrowers. As this was XXXX, we truly did not qualify financially for this loan, and it was provided during the sub prime mortgage nightmare. The loan was issued for a little over XXXX with a variable interest rate of up to 8 %. 

The loan has now been held by Navient for many many years. At many times Navient deliberately increased the interest in a predatory way causing undue harm and emotional stress to my mother and I. There have been little to no repayment options. 

In XXXX even though I was still attending a local university in XXXX I was forced to being repayments of {$270.00} a month. No options were provided for lower payments and any forbearances offer were only provided for a short and predatory duration. 

After paying the loan down over time the interest rate was increased within a 6 months period from 2 % to over 6 % this wiped out any progress made from the payments. 

There are no options for settlement of consolidation. 

As Navient was ramping up for the settlement they have been deliberately pushing private student loan borrowers to refinance through their company. In a direct and terrible way to ensure they don't have to settle the debt of borrowers who would have qualified for the XXXX settlement.
Product: Credit reporting or other personal consumer reports

I called experian due to there is a company that pulled my credit and created a hard inquiriy. They neither had my permission or a permissible purpose. This is a violation of the Fair Credit Reporting Act. I asked them to investigate and remove this fraudelent inquiry and they refused. They refuse to investigate which is a violation of my rights under Fair Credit Reporting Act. I want this fraudelent, unauthorized inquiry investigated and removed from my credit report. I have listed the inquiry and date below, I am including a copy of my identity theft report as well. Please have them follow the law and remove the below inquiry. XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. I have filed a complaint with the FTC. XXXX XXXX has been unresponsive to correct my credit report. On the evening of XX/XX/XXXX, a thief used my XXXX XXXX credit card to make two online purchases with XXXX and XXXX. He then turned off my credit card and verbally changed my mailing address to an address in XXXX, CA by calling into XXXX XXXX, providing my authentication information associated with this card. The morning of XX/XX/XXXX, I called XXXX XXXX card fraud department, reported the unauthorized charges, filed a fraud complaint, canceled my credit card and ordered a new credit card. On XX/XX/XXXX, the thief applied for a new credit card with XXXX XXXX XXXX using my social security number and other personal information. XX/XX/XXXX I was alerted by an email from XXXX on this new card application. It also appeared on my credit report. XX/XX/XXXX I filed a police report, case # XXXX, with local XXXX police department XXXX Also, I placed a Security Freeze and Fraud Alert with all three Credit Bureaus, and disputed the XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CA address on my credit report and new credit inquiry. Experian told me that in order to remove the address from my credit report, that information had to be removed and reported by XXXX XXXX. Although, they marked it as fraud, they could not remove it from my credit report. XXXX I spoke to 2 different agents at XXXX XXXX requesting the address be removed from my account. They stated they couldn't update my address to my current, correct address nor remove the fraudulent address on my account. They said they would send on my request to someone who could. Also on XXXX I called XXXX XXXX and placed a fraud alert on the new inquiry and request for an Interval credit card. They denied the new credit card application, flagged the request as fraud, and sent a letter to the credit bureaus. The same day, I received a call from XXXX XXXX Assault Dept. They said they updated my account with my current, correct mailing address, but couldn't remove the fraudulent address. I also opened a fraud case, case # XXXX, with the Federal Trade Commission. XX/XX/XXXX my XXXX account was hacked. My friend reported the new friend request as a fraud and I changed my password. XX/XX/XXXX I filed a fraud report with Social Security. XX/XX/XXXX I noticed the fraudulent address is still on my credit report. I called XXXX XXXX card fraud department. They said in order to remove the address, I need to fax a letter with the following information to XXXX but could not confirm it was a secure fax # and suggested I go to a local XXXX XXXX branch and use their fax machine. They requested, my name, current address, contact phone #, credit card #, SS #, date of birth, copy of credit report, along with a clear and concise statement of what is being disputed. I told them I was not comfortable faxing this information as it was not secured receipt. They did provide a fraud case # XXXX.
Product: Debt collection

I sent a validation letter to First Financial Investment Fund Holdings located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, pertaining to a medical bill in the amount of XXXX dollars that was placed on my credit reports. They have not provided the proof requested in the letter send on XXXX the XXXX, but instead continues to report the said debt monthly to each of the credit bureaus.
Product: Credit reporting or other personal consumer reports

Fraudulent credit card opened in another state under my name. Card opened at " Comenity Bank '' Card # XXXX is still bening used by fraudulent individual. Bank submitted balance to collection agency " XXXX XXXX XXXX '' which also may be fraud. They are pressuring me to pay this fraudulent balance. The bank and this collection agency may be in collusion to defraud consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  LENDING/XXXX  C Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX CARD Date of inquiry : XX/XX/XXXX ; XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX FIN Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX FINANCIAL Date of inquiry : XX/XX/XXXX ; XXXX  FINANCIAL Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX AUTO FIN Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX.
Product: Credit reporting or other personal consumer reports

I am the co-signer on 5 student loans for my daughter that were reported on my credit report by Launch Servicing as 30 days past due on XX/XX/XXXX. 

The loans have been in in-school deferment as of Fall XXXX. My daughter 's graduation date is scheduled for XX/XX/XXXX. Launch Servicing had an incorrect graduation date that showed her graduating in XX/XX/XXXX. The school subsequently sent documentation to Launch showing her IN SCHOOL in XXXX  and a graduation date of XX/XX/XXXX, with no lapse of enrollment. 

I requested that Launch Servicing reverse the credit reporting of a 30 day past due because the document from the school verified her enrollment at the time of the reporting. I was told by TWO customer service representatives, on two separate occasions, that I had to file a dispute with the credit bureaus to have the reporting removed. However, when I filed the dispute with the credit bureaus, Launch Servicing did not reverse the past due reporting. Instead, Launch Servicing verified that the past due reporting was correct. 

I am disputing this reporting for two main reasons ; 1. The letter of verification from the school explicitly states she was in school from XXXX to XX/XX/XXXX. There was no lapse in her in-school enrollment, and therefore no legal reason to remove her in-school deferment, and therefore no payment was due. The negative reporting by Launch is illegal and an egregious abuse of power, since the consumer can not change any reporting made to the credit bureaus. The written verification from the school was sufficient to warrant a reversal of the late payment reporting. 

2. As a cosigner, I should have been notified in writing of the pending past due payments. However, I did not receive any written notification. I learned of the past due reporting from the credit bureaus. Legally, I am entitled to written notification. Upon reviewing the account online, I noticed that Launch Servicing had changed my address to a Washington address, without my knowledge or consent. I do not live in Washington and did not request or authorize a change of address. 

3. I have made several calls to Launch Servicing about this matter. Overall, the representatives are inept, show no concern for the customer 's plight, and merely regurgitate company jargon without exercising any critical thinking skills or problem resolution effort.
Product: Debt collection

LAW FIRM TALKED TO MY FAMILY AND CO WORKERS, in violation of fcra, fdcpa, tcpa and skip tracing
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my derogatory remark removed. This account is are misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$60.00}. I have reached out to this creditor multiple times that this debt is not mines. I never lived at the listed address and I never had service with this company. I have provided police report as well. The creditor stated to me that there was nothing that they could do to assit with this fraudulent account. Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Checking or savings account

My debit card got stolen and I called chase to report it. Now they are telling me all my accounts are closing and I am no longer allowed to bank with chase.
Product: Consumer Loan

On XXXX/XXXX/2015 at XXXX a voice mail was left on my phone XXXX XXXX XXXX XXXX from XXXX XXXX XXXX ext XXXX. The person on the phone advised she was calling to speak with XXXX XXXX XXXX my step daughter ) regarding an auto loan with their company. She also said that this is a pretty serious situation that requires her immediate attention. My voice mail gives my name, not XXXX 's. Immediately after she called my cell number, she called my husband 's cell ( XXXX XXXX ). She advised him that that XXXX was behind on an auto loan and that legal proceedings had been started against her. In both instances this woman ( her name is XXXX XXXX ) disclosed information to a third party, she advised legal proceedings were taking place when in fact they ca n't be as XXXX does not have a loan with them. I returned the call to the phone number listed on my caller id ( XXXX ) and asked for extension XXXX. XXXX XXXX answered and advised me that she had spoke to my daughter. I then asked her if she was aware of the FDCPA and she said yes. I asked why she had disclosed information on my voice-mail and then to my husband. She said she is following the FDCPA guidelines. FDCPA clearly states that the person calling can not leave a message advising someone has debt or disclose to someone who is a third party. This makes XXXX violations and possibly more. We are also aware that they contacted XXXX 's mother XXXX XXXX XXXX XXXX on her cell phone with the same information. I do have the recording of the phone message on my phone if it is needed. I also find it interesting that when I called the company XXXX XXXX could not find the information immediately and made the comment that it was under the last name of XXXX ( XXXX 's former married name ) but when she left the message on my phone and also when she spoke with my husband she used the correct name of XXXX. Please be advised that no one in my family owes a debt to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX