23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint regarding the conduct of a third-party collection agency in relation to a closed credit account. The actions of this agency have raised serious concerns regarding their practices and the legality of their actions. 

The Creditors XXXX XXXX, XXXX XXXX & XXXX XXXX  are calling and harassing me about paying the closed accounts of the original creditors for XXXX XXXX XXXX  and XXXX XXXX. The 3rd party agencies have been adding small dollars and cents to the collection amount to keep it afloat. 

Despite the account being closed and no further activity occurring on them, I have been informed by the third-party collection agency that the amount owed has significantly increased. This sudden escalation in the debt amount is deeply troubling and raises questions about the validity and legality of their actions.
Product: Payday loan, title loan, or personal loan

I borrowed XXXX dollars from this company and ahve already pais over 600 dollars but the principal remains fixed. They apply less than 2 dollars to the principal each time they charge me a monthly of over 100 to XXXX currently. They have a XXXX dollar monthly membership fee on top of all this as long as you have a balance. Its impossible to pay unless you pay them another almost full 400 from the beginning. I JUST WANY TO GET OUT OF IT. My account has been overdrawn many times because of them charging they fee, so they cost me 10 times more. I am not sure how to stop them if I can not afford the full payoff
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mos. ago, I had looked at my Experian credit report and found, along with the other XXXX major reporting agencies, that someone had been putting bogus and illegal and fraudulent info. on my report. I tried to dispute this with all XXXX credit reporting companies and they not only would not remove all the wrong info., what they did remove is now back on and they will not allow me access anymore. I found out by Experian sending me an updated report the other day. Why are you not correcting this fraud that the credit reporting companies do? Why are they not getting consequences for their actions and ineptitude? Why do they allow anyone more access and changing ability to MY name and report than I have, or am able to do with MY report and name? I can file a suit with the courts myself, but why should I have to? Come on ... ... .make the laws work an stick like you 're supposed to!!!
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the results of the recent investigation into the unauthorized inquiries on my account. Below is a list of the inquiries that were made without my authorization. 

Unauthorized Inquiries : 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 have been going through financial hardship and was placed on a hardship payment program with this loan company. I call them periodically to let them know where I am but have not been able to make a payment for quite some time, working on alternative solutions at this time. Last month they call my ex-husband, not sure where they got his number, looking for me. I called them and told them they were not to call him again and not to call anyone else except me. They called him again this month and are violating my privacy rights in doing so. Unfortunately I ca n't pay what I do n't have even if I would like to but trying to do something soon. They have not reached out to me in writing, should n't that be an alternative rather than violating my privacy?
Product: Credit card or prepaid card

On XX/XX/2017, I used my Chase XXXX  credit card to purchase some interstate moving services from XXXX XXXX XXXX XXXX. I made a payment to XXXX XXXX XXXX XXXX. with my XXXX card of {$810.00}. However, the moving company did not deliver many of the goods that I contracted them to pack, move, and unpack. I spent several months trying to resolve the issue with the moving company. But the the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in a significant attempt from Chase to reach out to me for further information. In fact, Chase sided with the merchant on the dispute and appeals. In addition, Chase appeared to be pencil-whipping through the dispute effort just to clear the dispute off of the CFPB 's list. Chase was and continues to be unwilling to perform additional research or request further documentation in an effort to investigate the transaction.
Product: Credit reporting

I have disputed with Experian that the account listed as XXXX has never been paid late, I have even submitted a letter from XXXX to express that and they still continue to report late payments on this account.
Product: Student loan

Belief has twice refused my payment for students loans. Takes over 12 days after confirming my payment for them to send me a past due notice. Than threatening to take my account to collections if not paid within 30 days. 

I am unable to pay my loan, because Nelnet keeps approving, then revoking my payments saying it is my financial institutions issue. XXXX XXXX  has not received any contact in my account from nelnet, I can not see a transaction come up in my chase account while nelnet says is approved. 

Please help, this is creating an unreasonable burden for me and many borrowers. The stress of being threatened to be taken to collections after getting confirmation of payments twice is unjust, and threatens all students with nelnet servicing
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning is using deceptive to re-initiating an investigation that has a timeline start on XX/XX/2022. All corresponding are still attach to the initial dispute. Early Warning are using deceptive responses to stall the process of producing supporting documents for the dispute. Early Warning tried to contact me by phone at my request I asked at all corresponds to be mailed. I am sending another complaint with all the correspondence since the initial dispute after I was denied a banking account with XXXX from the information that Early Warning provide. Early Warning influenced XXXX decision because it is a reporting agency. Early Warning has shown throughout this dispute process to have deceptive practices as a reporting agency. My next step of action is to file a form complaint on Early warning via Texas Attorney General website per Consumer Financial Protection Bureau
Product: Credit reporting

I applied for a home loan and a bunch of accounts listed on my credit report are not mine. They are only listed on Transunion and not on XXXX or XXXX. I have called Transunion 5 times and 4 times I am told that there is no record of my previous calls and 1 respondent " XXXX '' said that they sent out letters to the bank and the banks responded that the account are mine. I finally got the representative ( all in XXXX ) to transfer me to a USA representative who again responded that there is no record of my calls, but figured out that my social security number is incorrect in their system and would take 2 to 3 weeks to fix. I started this process on XXXX with them and it is always weeks away for a fix and then they claim that there again is no record of anyone calling. Can someone please help me get the numerous accounts ; which are actually in great standing, taken off of my Transunion Credit report ; so that I can buy a home? The bank says that I am paying out more than I am making on these accounts and reportedly own a few homes. I never owned a home. The Transunion people told me that I was supposed to contact the banks listed on the credit report and dispute the incorrect information with them. I called all 7 banks and they all said that I am not listed on those accounts and nothing to do with them and redirect me back to Transunion. Again, some of these accounts list {$200000.00} homes ; XXXX fully paid off and another with half of the loan paid ; no late payments.
Product: Debt or credit management

Im PaxfuXXXX user, they freeze my account unjustly and when I requested for a review, they asked me to verify my account of which I did and they promised to get back with XXXX and this is more than XXXX, they refused responding to my mail and also did nothing about my frozen account. Same issue members are complaining about the company. They gave me a ticket number XXXX
Product: Credit reporting or other personal consumer reports

I XXXX that the inclusion of incorrectly reported XXXX XXXX remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Product: Credit card or prepaid card

On XXXX, I noticed a {$5.00} bill payment to My credit card. I did not make this payment. I call to get it reversed. I called 3 times and was forwarded to customer service, the fraud department, and the paymemt processing Department. On the last call I spoke with the manager who was very unprofessional and rude and he put me on hold and never returned. So I emailed the CEO XXXX, and ececutives : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX None of their officers responded. This is why I'm filing a complaint. It appears that Someone or some entity is sending small payments to my account perhaps in the hopes of sending larger payments to maybe launder money. The 2nd time I called the rep said there seemed to be a similar payment around {$15.00}. I am requesting that they find all of these unauthorized payments and to reverse them or back them out of my account.
Product: Debt collection

I have emailed the CEO, XXXX XXXX yesterday and have attached my receipt from my probation office that the charge of {$420.00}, a charge that was on my XXXX  XXXX  Card/LVNV Funding LLC can be removed from my credit report that is in collections. That {$420.00} has been paid for through probation. That is in attempt to collect money from me. I have not received an answer yet but will like the collections removed, deleted, permanently!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts with the  XXXX  credit reporting bureaus Experian,   XXXX   and  XXXX  the credit accounts opened well over 7 years ago and most have a  XXXX  balance. Also it 's been  two  years and some hard inquiries are still showing on my credit report. I do n't know why the credit bureaus will not remove all of these accounts. There 's a lot of unlawful credit reporting activities and this most definitely  XXXX  of them.
Product: Mortgage

I had been asking my mortgage company for help for 3 years starting in XXXX. My husband was diagnosed with XXXX. The 1st offer that they sent me was in the XXXX week of XX/XX/XXXX. They wanted the offer to start in XXXX but did not give me the paperwork in time period I signed it with the stipulation that they were gon na take money from funds they were holding due to a loss on our home. The next thing I received from them was information that I did not take their offer. I was transferred from 3 different people during this process I reached out to another government agency for some help because I'd already had a signed agreement. They had a for closure date set for XXXX. They postpone math while working on another offer for me both of these offers were {$500.00} more than my mortgage payment. Which didn't really help me but I was willing to sign or do anything to get back on track. The next thing I got from my mortgage company was a letter introducing me to another guy who is going to be handling my case and that was the XXXX week of XX/XX/XXXX Then I get a knock on my door on the XX/XX/XXXX stating that they had foreclosed on my home I have been fighting them asking them to resend it asking them to let me make it up asking me to get a new loan I really need some help here A fair resolution would be for them
Product: Bank account or service

In XXXX of 2015, when I opened by bank statement I found that {$38000.00} had been removed without my knowledge or permission. Since that date, I have received from USBank just over {$6000.00} in the electronic checks that were fraudulently removed but still have a balance owed to me of {$26000.00} of which no one will tell me of a potential date to be made whole. Last time I filed a complaint with cfpb I did receive a reply from USBank stating they were sorry I was unsatisfied with progress but they will continue to plug on. It has been 10 months with really no progress, or communication other than the response to the inquiry from CFPB. I wrote to the same person who wrote to me again with no response. I have called and will continue to call their fraud line for any update but none seems forthcoming. If you could once again request that they update me I would be appreciative. I look forward to some kind of progress with this loss. OR if you or USBank could suggest a way to assist in this recovery.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, this inquiry was not authorized by me. Therefore, I'm sending this complaint to dispute this inquiry and have it removed from my credit report. 
XXXX XXXX XX/XX/2022
Product: Checking or savings account

I got a flyer from my school about job opportunities through XXXX. And the person in charge of this job offered me that I have to do specific daily tasks as a personal assistant, which involved sending money to foster care people for children, school supplies, or surgery. That person sent me checks XXXX times, and all the reviews got returned after a couple of days. On XX/XX/2023, I filed a fraud complaint with my bank, and they didn't take much action. I'm a student, and I don't earn that much to provide for myself, and when I asked if the bank would provide or help me with protection money, it seemed like they were not going to do it. They instead asked me to file a complaint with the police.
Product: Vehicle loan or lease

I purchased a vehicle through XXXX, and later refinanced my car through XXXX XXXX XXXX XXXX, for the remainder of my loan, ( note : I no longer have the original agreement because this was done over the phone/email back in XXXX  ) XXXX XXXX XXXX XXXX acquired by pen federal and the remaining balance of my loan was transferred to pen federal. The agreement of the loan include 8 months no monthly interest/payment. My car was later stolen and my insurance company paid the market price for the vehicle to the loan company. I had XXXX XXXX  with the loan company to cover the difference with XXXX XXXX XXXX, but the original agreement was never transferred over to Pen Federal and Ive been trying to get this matter sorted with the company. However they have not honored the original agreement that was set in place by XXXX XXXX XXXX. Ive tried to reach out to the company to obtain the original agreement but I have yet to here back from there records department. I would just like this issue resolved. I made my monthly payments on time when i was in possession of the vehicle and Ive tried going through the proper channels to get this matter resolved.
Product: Credit card or prepaid card

When I closed my American Express account I had a {$50.00} credit balance on it. American Express claims that it had refunded the money to me, but I never received any checks from them. 

American Express also claims in the attached letter that I never contacted it regarding the problems of my cards or other mailed items not being delivered to me. American Express is wrong since I contacted its customer service numerous times explaining that they must have been listing incorrect name and address on the mail that should have been addressed to me.
Product: Credit card

On Tuesday, XX/XX/XXXX, three charges were made to our XXXX ( XXXX ) debit card linked to our XXXX XXXX account. The total amount of the charges was {$1000.00} for the purchase of prepaid balance ( funds ). We clarify that we have never bought prepaid funds, nor was it in our plans to do so, as our weekly spending limit was {$60.00}, which we paid every week to have no outstanding balance in the account and to launch our advertising campaign during the week. 

On Wednesday, XX/XX/XXXX, we noticed the {$1000.00} charge. We only launched advertising from Friday to Sunday, so it was not necessary to check the ad manager page daily. However, when we reviewed the business card we use for various payments and checked the transactions, we noticed the three charges : the first for {$600.00} in the morning of the XXXX, the second for {$9.00} in the afternoon, and the third for {$400.00} in the evening ( outside of office hours ). 

We requested a refund from XXXX through their ad manager system, and the bank assisted us with the refund request. Additionally, that card was canceled, as we decided to cancel it to prevent further unauthorized charges or purchases. 

On the same day, XX/XX/XXXX, Meta processed two refunds : the first for {$89.00} to an XXXX XXXX card we had previously used but was no longer linked to the Meta commercial account, and the second refund of {$400.00} to the same XXXX XXXX card, totaling {$480.00} refunded, leaving an outstanding refund amount of {$520.00}. 

Over these weeks, we have repeatedly requested a refund from Meta, but they did not comply. We opened a case and even provided evidence ( screenshots of the transactions and charges ), and they told us they could not verify the account and closed the case. We continued to insist, as disabling the account and without the money, this affects our business operations since we depend on advertising to reach new customers. 

Given the numerous rejections from Meta, we decided not to ask for the refund anymore and use the money in the advertising account to launch ads, but having the advertising account blocked also did not allow us to launch campaigns. We requested the activation of the account and only found more rejections ; they can not activate the account because they can not verify it, clarifying that in all the requests and claims we made, we always attached the screenshots of the transactions, charges, even the message from Meta itself saying that our account looks compromised and that we may have suffered a possible hack. 

Even after sending the evidence to Meta, either for the money refund or to activate the account, they respond that they can not verify anything and close the case, leaving us feeling robbed or part of a XXXX XXXX XXXX it was an unauthorized charge or purchase by us, and although they returned a part, by requesting the remainder, they just close the case, thus managing to keep {$520.00} that came out of our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I moved out of the XXXX at XXXX XX/XX/XXXX. I received notification from the property on XX/XX/XXXX that I owed {$14000.00} for the remaining balance of the lease from XXXX XX/XX/XXXX. I went to the leasing office XX/XX/XXXX and spoke with XXXX to discuss the letter that I received from XXXX for XXXX at XXXX and was informed by the property manager that they had released the Unit # XXXX. South Carolina law is that you can not charge a previous tenant for the remaining balance of a lease if the unit or property is released. They can only charge up to the date of the re-lease. I have been fighting this with the XXXX for XXXX at XXXX for 4 years and it has prevented me from being able to purchase a home and lease a home in my name. I am ready to take legal actions. It is being reported on my credit report by National Credit Systems for {$15000.00}. I have reached out to them as well to inform them that they are reporting an inaccurate bill and that they need to have this deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and EXPERIAN permits the debt collector XXXX XXXX XXXX to report derogatory medical collections bills on complainants credit reports. The complainant is presently applying for a mortgage loan modification in which may be adversely affected because of these inaccurate reportings since at the end of the day the Affordable Care Act contained a mandatory health insurance requirement that compels healthcare providers to provide adequate information about enrolling in a health insurance plan such as XXXX in order to give the physician informed consent.
Product: Debt collection

Valor Intelligent Processing has sent me a bill for {$3100.00} for my past due XXXX account. That amount is incorrect. The amount I owe is {$2600.00}. In addition to this, I have asked them to stop calling me and they have called me several times now.
Product: Credit card or prepaid card

A Bank of America card was opened in my name for XXXX the bank knew my address, ss, address and phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

After some twenty or more disputes, and Experian responding that the information was verified through their third party vendor, but in all disputes refusing to provide the name of said vendor, regardless of request. In such an independent investigation by a law firm in XXXX VA was conducted, and the problematic issue discovered after years of disputes. 


Experian maintains two separate files on likewise named individuals, they maintain a file on XXXX XXXX XXXX, with social security number XXXX, and a file on XXXX XXXX, XXXX, the name XXXX XXXX maintains an address of XXXX XXXX XXXX, XXXX, SC XXXX, and has indeed filed two separate bankruptcy actions under XXXX. The name of XXXX XXXX which is the consumer of which this complaint applies hasn't filed any such bankruptcy action, but because the third party agent, or entity only verifies the last four, the continual reporting of this account on my report continues. 


In response because actually third party agents or entities are required to perform more, the consumer reached out to Pacers, and XXXX, or which neither had any public record for XXXX XXXX, but indeed had public record for XXXX XXXX, in furtherance neither with a degree required by law could verify or cause such verification of which one that exist on any report, only that the name associated with the social security assigned number of XXXX, assigned to XXXX XXXX didn't have any such public records of bankruptcies.
Product: Checking or savings account

I have an online savings account with Marcus of Goldman Sachs. I have this account connected with other VERIFIED accounts. When I asked TO TRANSFER MONEY to the other accounts, they LOCKED MY ACCOUNT. It took hours to unlock my account even though I went through several verifications processes. Marcus reps kept making it more difficult for me to transfer money. I asked them to close the account. I had to accept a check from them because they kept placing me through hoops in order to do anything else. I am waiting for the check.

This is an online bank without physical locations and they refuse to transfer money to VERIFIED ACCOUNTS.