23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX of XXXX, all of the money in my bank account was drained within a few hours while I was sleeping. I received a text message multiple times from chime bank asking if I want to authorize a transaction from XXXX XXXX. I responded no yet the bank still allowed the transactions to go through and this completely drained my bank account. The transactions range from {$1.00} all the way up to {$23.00} and there were over XXXX transactions. I immediately notified my Bank of this issue and reported this as fraud. The card information that was used was the card number from my digital card in Chime. Chime bank instantly declined the dispute from all of my fraud charges and no money was given back to me. XXXX failed to protect me as a customer and allowed an unauthorized user to spend all of my money even though I declined the transactions and told chime to not authorize these. I then filed a rebuttal and requested that I received documentation on how they came to the conclusion that there was no fraud. My rebuttal was again denied XXXX days later, and no documentation was provided to me after multiple requests on how they came to the conclusion.
Product: Debt collection

They are repeatedly texting. I replied STOP to the text but they continue. When I called to ask them not to contacting me, I was told to shut up.
Product: Vehicle loan or lease

When making my first automobile loan payment to KIA Finance America, an additional {$500.00} was added to the regular payment on XX/XX/24. Instead of the {$500.00} being applied to the principal, {$130.00} was applied to the interest charge. I called to ask why it wasn't applied to the principal and I was told it needed to be in writing. A check in the amount of {$1000.00} was sent with a letter advising that this {$1000.00} needed to be applied to the principal of the loan. {$27.00} was applied to the interest payment. I called again and was told this time that if I wanted additional money to be applied to the principal, I would need to call and advise them. I advised I was told the first time I called that I needed to put it in writing, and this time when I called I am being told to call instead of writing, so why was my money not applied correctly as I had specified no matter what method I used to contact them? I was then told that unless I made an additional payment of {$2500.00} or more, the money would not be applied to the principal. When I obtained the loan, I was given the choice of 48 months at XXXX % or 60 months at 4.75 %. Not wanting to be obligated to the higher amount, I decided on the additional 12 months thinking I could pay additional amounts to the principal and also reduce the amount of interest paid over whatever the time period came out to be. Now I have gotten three different answers as to the application of additional money paid to the principal, all meaning that I can pay the loan off early, but I can not avoid paying the interest charges applied on the full term of the loan.
Product: Student loan

The companies involved are XXXX and Allied Interstate LLC. I defaulted on these loans in XXXX. Upon default I experienced aggressive collection tactics that I feel were illegal. This complaint is mostly about Allied Interstate LLC though XXXX is the company that contracts this scum and is subject to a relevant lawsuit settlement. They called my co-workers and boss at work. They called my boss at my former job. They contacted my father at work and home. They also contacted my mother ( who had no link to these loans ) at home and work. They talked with my boss about the personal business of my private student loans. On one particular phone call I had with them threatened to ruin my life over these loans. Everything they did was to scare me into some kind of payment. They pressured me into " borrowing '' money from a family member to settle these loans. I ultimately talked my father into settling the loans for me. I was never able to pay him back and that has damaged our relationship. I later found out XXXX was subject to a lawsuit settlement ( link included below ) that I would have qualified for if I hadn't settled the private loans .... I have contacted Allied Interstate LLC since the settlement of my private loans for settlement documentation. The only thing they will provide me with is receipt of my settlement payment. They will not send me any other official documentation of my loan settlement. I would really like to sue them over there tactics however I think it's too late. I was cheated top to bottom by these companies. I know there isn't anything I can do to fix this for myself. However, these companies need to be investigated and shut down. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : STATECU XXXX, STATECU XXXX and STATECU XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, TransUnion and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
Product: Checking or savings account

On  XXXX   XXXX ,  2017 , I applied for a  Schwab  checking account, a High Yield Investor Checking account ( see Attachment B, page  2 ). Schwab  ran a  XXXX  inquiry on that same date ( see Attachment A.pdf, page  XXXX  ).     On  XXXX   XXXX ,  2017 , I received a letter from the company, stating my application for the account had been declined, due in part to information on   XXXX    (  see Attachment B, page  7  ).     I applied again for the account sometime before  XXXX   XXXX ,  2017 . The company again declined my application stating the same reason as in the  XXXX   XXXX ,  2017  letter ( see Attachment C, page  1  ).     I do not see what it is the company sees on     XXXX   that would bar me from opening a checking account with them.
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax numerous times regarding the inquiry items on my credit and they refuse to verify or provide information linking me to the inquiry. According to the FCRA, the credit reporting bureau must be removed if not verified or authorized.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I am writing to formally address an issue concerning the handling of my claim # XXXX. On XX/XX/year>, I submitted detailed information related to this claim via email to XXXX, as directed by your earlier correspondence. However, I recently received a denial notice dated XX/XX/year>, which incorrectly states that I did not provide supporting information for my claim. 

I would like to address the following points : Submission of Documentation : I have attached copies of the emails I sent on XX/XX/year>, along with the relevant documentation to support my claim. It appears there may have been an issue with the receipt or processing of this information, as your recent communication indicated it was not received. 
Claim Denial and Merchant Information : Your denial letter mentions that {$100.00} of the claim was considered valid based on information provided by the merchant. However, I have not been provided with any written documentation or specifics from the merchant to contest this amount. This lack of transparency prevents me from adequately addressing the validity of the disputed amount. 
Lack of Investigation : It has come to my attention that despite my attempts to resolve this matter, there has been no meaningful review of the complaint. Additionally, I have not received a thorough investigation into the details of my dispute, as indicated by the lack of response or review of my recent complaint. 
Given these issues, I respectfully request the following : Re-evaluation of the Claim : Please re-evaluate my claim in light of the attached documentation and the concerns raised regarding the lack of proper investigation. 
Provision of Merchant Documentation : Provide me with written documentation from the merchant regarding the {$100.00} deemed valid, so that I can address and refute any discrepancies. 
Confirmation of Receipt : Confirm the receipt of the attached documentation and ensure that it is reviewed as part of the claim process.
Product: Mortgage

A year ago, I encountered financial hardship due to job loss and a reduction in income, leading me to enter forbearance on my primary home. When the forbearance period ended, my mortgage company approved me for a loan modification, and I began making trial payments on XX/XX/year>. After completing the first of the three required trial payments, the lender informed me that there was an IRS lien on the title. I explained that I have an active payment arrangement with the IRS and am current with both the IRS payments and the loan modification.

However, the lender stated that the lien must be paid in full and released for the modification to be finalized ; otherwise, the modification will be denied, and the full amount will become immediately due. In response, I hired an IRS attorney to expedite a lien subordination, which allows the lien to remain but prioritizes the mortgage. Despite this, the lender insisted they would not accept the IRS lien subordination and required either full payment of the {$98000.00} forbearance amount or {$130000.00} to clear the IRS lien before the trial period ends on XX/XX/year>. 

Currently, I lack the funds to cover these payments. I've already spent {$5000.00} on the IRS attorney to push the subordination forward, but I worry that the mortgage company won't allow sufficient time for the IRS to complete the process and will instead demand immediate payment of the {$98000.00} in past due payments, putting me at imminent risk of foreclosure.
Product: Credit card or prepaid card

My authorized user lost her credit card and three unauthorized charges were made in XX/XX/2022. I disputed the charges and then Barclays re-added them to my balance claiming they were authorized. In XXXX, my authorized user sent a letter with documents to Barclays, re-disputing the charges. Barclays has not finished investigating but has left the charges on my account and they are accruing interest because I refuse to pay for unauthorized charges. The total amount of the charges is {$77.00} and the accrued interest so far is {$3.00}, not including interest accrued since my last statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : UNLISTED- Account : XXXX Creditor : XXXX XXXX/XXXX  XXXX  XXXX - Account : XXXX Creditor : XXXX XXXX/XXXX  XXXX  XXXX  - Account : XXXX Creditor : XXXX  XXXX/XXXX  - Account : XXXX Creditor : DEPT OF EDUCATION/XXXX  - Account : XXXX Creditor : XXXX/XXXX  XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX  - Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : 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, credit repair services, or other personal consumer reports

I recently seen there was unauthorized credit inquiries on my credit file which I had not authorized, they were all ran on the same day as if my credit report was ran multiple times by multiple lenders. I haven't been running my credit or gave authorization to anyone to run it. I'm hoping to get this resolved in a timely manner. 

XXXX  has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has the same inquiries as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

the creditor must report the canceled amount or settled debt to the IRS using the Form 1099-C cancellation of debt I didnt receive a 1099 Form XXXX XXXX  XXXX XXXX Closed XX/XX/2XXXX XXXX
Product: Debt collection

Plantiff ( Stenger & Stenger P.C ) delivered a court summons to wrong address on XXXX   almost 20 days AFTER filing with the court ( XXXX  ). When sent a debt validation letter- only a summary of alleged charges from a bank statement was provided ( {$3400.00} ). I had received no prior contact from this law office attempting to collect this alleged debt until XXXX  which was after I sent a debt validation letter and a motion of arbitration letter on or around XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} CHILDSUPPORT XXXX Balance : {$270.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

This account was back fromXXXX. The original creditor is XXXX XXXX XXXX now they have turn it over to a collection agency whos name is ability recovery service. They have the wrong amount collected which is XXXXAnd the original amount which was owed to the original creditor is XXXX. The statute of limitations is up on this account and the collection agency is still trying to collect that is against the law. I would like for them to be fine the XXXX dollar For trying to collect on a debt that is too old. Ability recovery service didnt even send me a letter for me to say that I do not on this debt. It just appeared on my XXXX XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's poor security concerning consumer data has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. This leak happened more than a month ago, and they still are not notifying potential victims. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account. I think it is ridiculous that they only offer 1 year of free protection, and that they make us accept terms that include an arbitration clause. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Consumers should not have to file a police report to receive a free credit freeze.
Product: Credit card or prepaid card

My NETSPEND card was hacked on XX/XX/2023 and I had over {$500.00} dollars left on my card after I paid some of my bills and when I went to get a sympathy card on that Friday, my card was declined. After contacting NETSPEND IMMEDIATELY I was told that a cash withdrawal was done on my card and I had the card in my possession. How does someone get your pin number to withdraw cash if it is not an inside job. No one has my pin number but ME. I don't have any living relatives, I am not married and I am XXXX years old. After they withdrew EVERY DOLLAR I had left to my name NETSPEND OVERDRAFTED MY CARD FOR MY TRANSACTIONS THAT I DID APPROVE. Now they insist that they will not be able to give me an update until XX/XX/2023. I want my money back. I was left penniless after this happened and of course NETSPEND does not seem to care. I BEGGED THEM TO GIVE ME MY MONEY BACK AND THEY STILL REFUSED.
Product: Credit card or prepaid card

On XX/XX/XXXX my balance with JCP was {$3000.00} with a credit limit of {$3500.00} so I applied for a increase of {$6000.00} and was granted {$4000.00}. On XX/XX/XXXX I placed an online order that totaled {$1600.00}. On XX/XX/XXXX I checked to see how much my payment due was and the available credit reflected I was negative {$670.00}. I immediately called the bank to figure out how my account was over the limit and my credit line was increased. I was told by XXXX that my last purchase caused the account to be over the limit and the credit line was only increased to {$4000.00}, but we could not understand how the transaction got approved. XXXX tried to increase my credit to cover the {$670.00} but I was denied and was told to contact JCP.com. On XX/XX/XXXX I spoke with XXXX at JCP.com and was told my transaction got approved because they took the system offline and transactions can go through during that time even if the customer does not have the credit available. I have been a customer since XX/XX/XXXX, never missed a payment and have never charged over the limit. The company gained XXXX XXXX sales at the expense of my account being taken over the limit and my credit score has dropped.
Product: Mortgage

On XX/XX/2019 there was a foreclosure sale on the property XXXX XXXX XXXX XXXX XXXX XXXX, Mo and the XXXX purchaser was XXXX 's XXXX XXXX that he bought at the foreclosure sale. XXXX XXXX was the Trustee. XXXX XXXX submitted to the the XXXX XXXX Missouri Circuit Court that the sale was XX/XX/2019 and he purchased it. The property taxes have not been paid in 4 years. Two weeks ago the house flooded and he does not have a building permit. The property was never sold at the foreclosure sale since on XXXX XXXX web- site they list the property and XXXX XXXX is the mortgage holder. At a forclosure sale the property must be bought in cash and it was not.