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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX XXXX XXXX but I never received any responses from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have sent several disputes to the credit bureaus and to no avail. Can you all please assist me in getting these derogatory items deleted from my credit report. Your help will be very much appreciated. Please delete these negative unverified accounts. 

XXXX XXXX- XXXX-Unverified account XXXX XXXX XXXX -XXXX- Unverified account XXXX XXXX XXXX- XXXX- Unverified account XXXX XXXX -XXXX- Non-Compliant-please delete XXXX XXXX  XXXX XXXX-XXXX- Unverified account- delete immediately Thank You for your help, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just reviewed my updated score of my Credit Report and notices XXXX accounts that needs attention. Those accounts are XXXX XXXX XXXX opened in XX/XX/XXXX with a balance of {$250.00}. XXXX opened in XX/XX/XXXX in with a balance of {$4400.00}, and XXXX opened XXXX XX/XX/XXXX with a reported balance of {$9000.00}. These accounts are included in my Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's list of inquiries and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiries listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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
Product: Debt collection

In XXXX of XXXX, I opened an account with XXXX XXXX XXXX because I had moved into an apartment. In XXXX of XXXX, I moved back into my parent 's house and transferred the service to their house. A few days after moving back, a technician came in to install the WiFi box ( which was done poorly ) and no less than 5 days after that, my service was cut off. When I called XXXX XXXX XXXX, the claimed that I called and cancelled the service but how can I cancel a service that was just installed? Mind you, the WiFi box was mounted on the wall with a wire, meaning it was not easily accessible. XXXX XXXX XXXX proceeded to send me a charge of {$170.00} claiming that the equipment was not returned but they have a policy that states if the equipment is mounted a certain way then it does not need to be returned. I also called and asked them numerous times to remove that debt before it even reached collections and they still claim that I cancelled the service, yet I never received an email. This false debt drastically dropped the credit score that I have been working so hard to raise. Funny enough, I currently have XXXX XXXX XXXX TV, internet and wireless services but if this is not removed, I will cancel all services and go back to Spectrum.
Product: Debt collection

I received my credit report for all three bureaus and noticed that Security Credit Services was reporting that I owe a charge off balance of {$1100.00} for a Company called XXXX leasing company. I only leased an amount of {$530.00} for a furniture company called XXXX XXXX XXXX, and I have paid XXXX XXXX over {$600.00}. for the lease and was told by XXXX that my by out amount was only {$140.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Customer Support p : XXXX | XXXX f : XXXX | XXXX XXXX : XXXX m-sat : XXXX XXXX est sun : closed Purchase was made XX/X/2016 for {$530.00} Reporting to credit bureau Security Credit Services {$1100.00} Security Credit Services XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  keeps reporting a debt from 2009, the company IC systems they continue to report about has been disputed twice and removed from other bureau 's. This debt has no supporting documentation from the collection agency, nor has ever provided me with any such documentation. XXXX  is continuing to report something that is 1. ) too old and 2. ) not even valid and has no supporting documentation from XXXX XXXX. this is from XXXX trying to keep me in a contract that was only 1 year old and required renewal. I never renewed with XXXX XXXX and all of my dogs Dr bills were PIF and they actually refunded me like {$9.00} in the store due to this being a confused mess. There is no 2nd year of doggie insurance EVER requested nor approved by me. If they want to collect they need to provide documentation YET IT '' S OVER 7 YEARS OLD.

I have done everything I can do to remedy this but as stated there is no contract, no signed documents, nothing that supports this debt and further nothing to verify the debt and again they refunded me aprox {$9.00} after this mess. 

If there is they should have provided it to me from 1. ) XXXX back in 2009 and 2. ) From IC Systems and 3. ) from XXXX. NOT 1 place has ever provided me with documentation OF THIS DEBT. Just says it's owed but no signed document from me or anything of the sort. 

I am requesting a remedy and/or Valid documentation to be provided NOW. 

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

I was initially contacted via phone on XX/XX/XXXX by XXXX XXXX informing me that she was with the student loan forgiveness program and with six consecutive payments of {$160.00} they would process all of my outstanding student loan debt for forgiveness. They changed my account log in information with XXXX XXXX XXXX XXXX account and my XXXX account without consent or knowledge. I have attempted to cancel with the company multiple times. The first attempt was a few weeks later early XXXX. They refused to let me cancel because they claimed all of my paperwork was processed and my loans were getting transferred to another borrower. I processed chargebacks with my bank in XXXX of XXXX for the first two automatic payments SLFD Processing submitted. They did not like that I filed disputes and contacted me to cancel the chargebacks in which they claimed I would receive paperwork or proof of the " services '' they promised. I have been fighting for two years with SLFD Processing with numerous phone calls, emails, and text messages from XXXX XXXX who is supposed to be the processing manager. I have never received any updated proof that anything was completed. I contacted XXXX again XX/XX/XXXX because they continued to refuse refund and provide me with the promised services two years later. XXXX sent a text, email, and voicemail that he attempted to contact me back, but I never received a phone call. I called again with no response. I have all correspondence, the contract sent, and all conversations. I know the Attorney General of Minnesota has a settlement claim against this company. I received an email from SLFD Processing on XX/XX/XXXX stating if I currently owe a balance under my agreement SLFD Processing is cancelling the balance for compliance with Illinois XXXX XXXX XXXX. I contacted them immediately after that email was received and I was informed I would be refunded within the next two weeks and they would update me when they had a final answer. Two weeks later, still no contact so I have called every week since XX/XX/XXXX with no contact made. Multiple voicemails to this company have been left each week and it is now XX/XX/XXXX. I have heard nothing about my refunded money in the amount of {$990.00} in two months. They are now ignoring my attempted contacts. I deserve my money back.
Product: Bank account or service

i have had bank fraud on my buis. acct. multiple times and chase has all ways replaced my debit card, and never closed my account and opened a new one. i have had several new cards after fraudulent charges. i have reported fraudulent charges and chase has reversed charges, then reversed them out of my acct. i was in a car accident in 2013 .suffering from XXXX issues and not keeping up with my banking. my debit card and account numbers have been used to make charges with out my knowledge or permission ... i do not know if someone stole my mail or i have had my card skimmed and been robbed. chase will not return my funds. i have done lots of research my self and contacted the merchants via phone and thay said thay will return funds .but chase will not request it to happen.. some have returned funds and chase sent it bank as lagitatemant charges. bank reps in fraud department have told me thay can go back, if charges are recurring within 60 days of each other as far back till date thay started .. i have spoke in person with management in different branches, and not one, has closed my account, or suggested it to stop fraudulent charges ... and the fraud keepy happening. the fraud department did not do there job. i have filed a report with global investigation n security .protection unit with chase ... case # XXXX and still chase will not reverse charges. now account is closed and my company is closed due to being broke, because of the fraud .. I have reported it with XXXX police officer XXXX XXXX case # XXXX ... bank said thay will not and are not going to help to return funds ... seams like thay are as much a thief as the real thiefs are .. why would someone do banking with chase if thay do not protect or keep you safe from fraud .. next thay will not replace funds if thay get robbed and you lose you whole lifes savings .. cant trust chase ... if i had my money in my pocket its my responesibilaty.my money was in chase bank and thay should be held accountable for the fruad ...
Product: Payday loan, title loan, personal loan, or advance loan

I am a resident of XXXX, Texas. I was affected by Hurricane Beryl, which was declared a Federal Natural Disaster. I called BHG regarding any deferment plans they have in place when customers are affected by federally declared natural disasters. I was informed they have nothing in place, and to maybe contact them at the end of the month. I have never been late with any payments. It is unreasonable that a company would have no programs in place to help customers in there time of need due to a federally declared disaster. The city of XXXX was paralyzed from nearly all commercial activity. Power and internet have been out for nearly 2/3rds of the city at its peak. There was zero empathy and foresight for any planning to provide temporary assistance to their customers. Customers should be aware that while BHG will provide loans do not expect any type of assistance in a time of acute financial need due to a natural disaster that is out of your control. even if you have never missed a payment. BHG=Buyer Beware.
Product: Debt collection

Good morning, I had an account with XXXX ( XXXX XXXX  ) which, I feel behind on. I went to my bank to get a loan and they advised me to get the loan I would need to pay off my accounts that are behind. I called XXXX XXXX asked for a settlement while in the bank with the loan officer and they agreed to the settlement of XXXX. I advised them would call right back once the bank transferred the funds into my account for payment. I called XXXX back with the loan officer and I paid the settlement in full. I was given a confirmation number and the call ended. Well, what I have since found out is that they sold the balance to a collections agency called XXXX  and I explained to them on XXXX different occasions that I don't owe this and it was paid in full with a settlement they said nope you owe it. I have called XXXX and XXXX XXXX  more than XXXX to try and correct this no luck. I was told a supervisor would fix it and correct the error, but still nothing this is now in my credit and they call me 3x a day requesting payment of the remainder amount. I told them if they don't fix it I would be reaching out to the CFPB for assistance their response was to go ahead you still owe this. Please help me with this!!!
Product: Credit reporting or other personal consumer reports

Cashnet USA has shared my information with a third party companies without my permission.
Product: Student loan

In XXXX, I borrowed {$5500.00} from XXXX XXXX XXXX to take summer classes at XXXXXXXX XXXX  I graduated in XXXX and began paying the loan off. I attended XXXX XXXX XXXXXXXX from XX/XX/XXXX until XX/XX/XXXX. During this time, my loans were in a school deferment and I did not make any payments. I resumed payments in XX/XX/XXXX and have been making payments ever since. I asked them why is it that I have been making payments for nearly 12 years and my balance is STILL more than what I borrowed??? As of this writing, my balance is {$5500.00}! Not to mention that they recently increased my interest rate to 15 % and my statement said it should be paid off in XXXX! This company has continued to engage in fraudulent and deceptive practices even after being held liable in a class action lawsuit. For the life of me, I can not understand how companies like this are allowed to get away with this stuff while the consumer is left victimized. This company still has not told me why my balance has failed to decrease. BEWARE OF PRIVATE STUDENT LOANS.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I recently submitted a complaint ( case # XXXX ) which was addressed, however, I would like it pursued further. While I appreciate Cash Central 's timely response, I was absolutely assured that despite the language that my loan " may be reported '', I was told repeatedly that it would not as long as I did n't default which I never have. 

My credit is still taking hit. It wo n't recover until this loan is XXXX out. I am in Cash Central 's vicious cycle of high fees and perpetual debt. They prey on someone 's desperation and then make it impossible to recover financially. While I wholeheartedly appreciate the zero interest Cash Central has agreed to, I would like to further negotiate this due to the outrageous penalizing life altering fees I have already paid. 

I have paid {$11000.00} toward the {$4200.00} that I borrowed. I have paid more than XXXX XXXX times the amount of the loan back to Cash Central. I have more than paid this debt in full. I have paid it in full PLUS exorbitant fees. I plead to CashCentral to fully forgive the remaining balance. If it is not, I am looking at months of additional payments totaling more than {$14000.00} for a {$4200.00} loan when all is said and done. This is preying on an individual 's financial emergency and has me trapped in this cycle. Due to the enormous amount of money CC has already received from me, it would not cause them any financial hardship to forgive my remaining balance and settle my loan for the $ XXXX I have already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$21000.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and {$0.00} past due. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Mortgage

I purchased time share points in XXXX and sign a mortgage for about {$45000.00} from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX NOTE : this gave me XXXX points to use for stays at their locations. It did NOT give any ownership of real property only the USE OF. The use of was based on availability. 

REPEAT : NO OWNERSHIP 0F REAL PROPERTY just use of if available. 

I was unable to pay the " MORTGAGE '' beginning on I XX/XX/XXXX. 

I notified XXXX XXXX XXXX was unable to pay and would make any future payments and requested release from my Mortgage and any other fees. 
I had limited word from them two collection notices from them which where withdraw. 
The last contact with by phone was XXXX XX/XX/XXXX and was told it was in work and I would receive an email when the debt was forgiven. 
I am tired of waiting.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was pre approved and applied for a credit card. I am in the process of rebuilding credit and as a result I am super meticulous about making sure everything is paid and properly set up. 
This card I chose has very high fees, but was the highest credit limit offered based on my credit score, and I was willing to pay the exorbitant fees to build my credit ( I am a higher wage earner who has had some financial issues in the past ). $ XXXX a year to get a higher credit limit sounded predatory, but hey, {$1000.00} credit limit. I have had financial issues in the past but I now pay everything on time and carry very little debt and am pleased to have ZERO BALANCES on my credit cards. 

I was approved for the card and immediately set up online access so I could pay the initial program fee that is immediately added to the account balance at the time of opening. I was planning to have this card report as a zero balance from the beginning, as a way to increase my credit score. I added my bank details and submitted the {$250.00} payment request. Then a couple of days later, the {$250.00} was credited back on my credit card account, shown as a return payment. There has always been several XXXX dollars in that credit union account and there is no reason the payment should have been returned. I was unable to re-add that credit union account into my account, due to a returned payment. I then added a different bank account to pay the {$250.00} and the amount cleared my bank account on XX/XX/year>. I logged in this morning ( XX/XX/XXXX ) to review my finances and saw that this credit card was already reporting on my XXXX report as " closed at credit grantor 's request '' with a small balance from a couple of small purchases. 

I reached out to the company and after a series of conversations ended up speaking with an Account ManageXXXX named XXXX. I explained my situation and was informed that there was nothing that could be done. 

A refund of the program fee is certainly warranted in this situation, and that was to be expected. The central issue here is my credit rating, which is the entire reason I am doing business with this company in the first place. I now have an inquiry and a grantor closed account over a billing error. All I want is the opportunity to have this account open in good standing, or all signs of it completely deleted from my credit file. 
I understand this is most likely a computer generated response to a missed payment, not the end of the world. I'm asking for some consideration as a new customer, as this will cause damage to my credit rating, further exacerbating the situation that I have been working to improve. 
XXXX didn't offer me any further resolution, nor did he put me in touch with someone who can make this right. I ended the call due to XXXX not being able to discuss this any further.
Product: Money transfer, virtual currency, or money service

I am writing to address the ongoing issue regarding my refund of {$2800.00} related to claim number # XXXX with my Chime account that is protected by XXXX XXXX XXXX XXXXXXXX. ON XX/XX/year>, I received documents that Chime uploaded from the merchant that are completely inaccurate and fail to provide any evidence disproving my claims, which are indeed valid. The report erroneously states that I am disputing only {$100.00}, whereas I am actually disputing the full amount of {$2800.00}. 
Furthermore, Majority of the evidence I submitted to Chime was not forwarded to the merchant, and Chime did not complete my intake form correctly. 
The service I expected to receive was a lease takeover for an apartment advertised by XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I transferred {$2800.00} from my CHIME bank account to my CXXXX XXXX  account on XX/XX/XXXX and XXXX, 2024, to send to $ XXXX as instructed by XXXX XXXX via XXXX for a move-in date of XX/XX/year>. 
I made XXXX transactions from my Chime account : {$2000.00} and {$200.00} on XX/XX/XXXX, and {$200.00}, {$100.00}, and {$340.00} on XX/XX/XXXX to send to XXXX XXXX totaling {$2800.00} for this apartment lease takeover. 
From my XXXX XXXX balance, funded by my Chime account, I sent XXXX XXXX {$2200.00} on XX/XX/XXXX and {$300.00} and {$340.00} on XX/XX/XXXX, totaling {$2800.00}. 
I do not know XXXX XXXX personally ; I was simply instructed to send him the money via XXXX XXXX  which Ive already uploaded that proof/documents to Chime multiple times. 
Ive provided all accurate information proving this was a theft of service and that I never received what I paid for. Chime has the active police report and all evidence. 
I do not feel comfortable that Chime Financial , Inc. is hiding information from the merchant and the disputes amount are not correct and theyve also submitted falsely information. This huge error is suspicious which makes me believe Chime is illegally denying my disputes and hiding information from the merchant.
Product: Money transfer, virtual currency, or money service

I was being charged for " data time '' for which I was trying to recover a hacked account. The scammers used CashApp as well as XXXX and other platforms to scam me with the promise of doubling my money, which was never what I was looking for. I wanted to recover my hacked account. It turned into holding my money as hostage against me.