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

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received calls with no answer on the other line I said hello multiple times with no response. On XX/XX/2022 that a payment was already taken from my account without any previous notice or authorization for XXXX dollars. On XX/XX/2022 I received another email that XXXX dollars were taken from my account again both of these funds were collected without prior notice or authorization. I call company on XX/XX/2022 asking questions about account, balance, and anymore information on this so called debt. I requested a letter they stated this can not be mailed to me I attempted to set up arrangements that I could pay they were unwilling and stated I dont know why you want to set that up might as well not pay thats nothing. I then asked to speak with a supervisor and was told the supervisor takes care of the whole off because I refusing to pay other legal actions would take place. They then acted like I was being transferred to a supervisor no one answered the line and I was sent to a voicemail. I called back to verify the status of my account and I was told to stop calling there. This was a very unpleasant experience.
Product: Checking or savings account

XXXX Events : On XX/XX/24 A vendor check, # XXXX for {$780.00} was mailed to a vendor. On XX/XX/24 this check was processed by our bank, Truist, and paid to vendor. On XX/XX/24 check # XXXX was fraudulently copied and presented to XXXX XXXX XXXXXXXX for deposit in the amount of {$2900.00}, made payable to XXXX XXXX. On XX/XX/24 Truist reprocessed this same check # XXXX and payed XXXX XXXX  XXXX. 

On XX/XX/24 check # XXXX for {$340.00} and on XX/XX/24 check # XXXX for {$1800.00} were mailed to vendors. Check # XXXX was paid by Truist on XX/XX/24 however, both checks were also whitewashed and reprinted. Check # XXXX was made payable to XXXX XXXX XXXX for {$2300.00} and check # XXXX to XXXX XXXX XXXX for {$2500.00}. Both checks were cashed at the teller level on XX/XX/24 and check # XXXX was also a reprocessed check as Truist had already paid this check. 

Truist is refusing to reimburse for these fradulant, duplicated and reprocessed checks. They sent a form letter stating the fraud case is closed. We attempted an escalation without success.
Product: Debt collection

XX/XX/XXXX, I received a mail from a debt collecting agency " Linebarger Goggan Blair & Sampson , LLP " ( LGBS ) stating that I owe them a debt of {$150.00} from XXXX XXXX ( XXXX ). After investigating, I realized that it was a toll charging company. I was skeptical about {$150.00} for a toll. After confirming that I had paid my toll bills, I called LGBS call center stating that I never received a bill from XXXX, and I 'd like some proof that this was n't a scam. After a harassing conversation, the LGBS representative stated that they ca n't give me any info on behalf of XXXX, but said that debt was real and had to be paid. She said if I needed any more info, other than the split for the amount, LGBS was n't the agency responsible to give. So, I called XXXX thereafter. After a polite conversation with the customer representative, I told them that all my toll bills were paid in full. However, XXXX representative insisted that they had sent me four separate mails. Since I had requested for paperless bills, I informed them that this had to be a mistake. The XXXX representative later confirmed my charges and informed that since I had changed my vehicle registration ( Moving from XXXX to XXXX ), a new account had been created, and the bill was automatically sent to the residence due to the lack of email id. Being an international student, and visiting home country for months, I do lose mail. So, with the XXXX representative 's help, I tracked the mail from the post office and confirmed that it was indeed my toll bill dating back to XXXX XXXX. There were XXXX toll charges each with regular toll fee, process fee, late fee and mailing fee totaling to {$35.00} sent on XXXX/XXXX/XXXX due on XXXX/XXXX/XXXX. I informed the XXXX representative that this is only one fourth of the amount I am being asked to pay. She informed that she has no control over the amount once it goes to the collection agency. 
I called back LGBS and informed them how can the fee be so high. As before the representative was very rude, and informed me that this is the fee and I have to pay it. I asked the representative the procedure to obtain a split for the fee. I asked her if I delay my payments any further would they charge me additional fee. The representative stated and I quote- " How would I know. If XXXX asks more, you pay more, if they say the same you pay the same. I am not responsible for your payment, I am here to collect it. '' I paid the full amount and am faxing a request to provide me a copy of the charges. I also reviewed online that I am not the only one harassed by LGBS. XXXX and LGBS together have done this to several people. A simple google search provides examples.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed that I have an open loan with Moneylion and that there are 2 previous loans with them from 2019. I have never done business with this company and have called them multiple times to report this as fraud. They were completely unhelpful and unable to verify any information since the information I was supplying was not consistent with whomever opened the account in my name, with the exception of the SSN and DOB. There are 2 closed loans and one open loan that are all fraudulent and need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I pulled my 3 credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : Account Name Amount XXXX XXXX {$490.00} XXXX XXXX {$690.00} I C System Inc {$820.00} XXXX XXXX XXXX {$100.00} XXXX - XXXX XXXX  {$690.00} XXXX XXXX {$0.00} Thank you for your time and support.
Product: Debt collection

Select portfolio servicing did not attempt to collect a debt. This loan serviced is holding {$250000.00} of my proceeds with no one to pay!

I have been told by two representatives that the money will be returned. The first told me 5-7 business days, the next said 72 business hours and then from a response to a complaint I filed they called and said they would submit a request for a refund!? 
I want to know what is going why select property sent a {$250000.00} payoff to the title company and why they have MY proceeds
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE. 

I HAVE BEEN IN CONTACT RELIGIOUSLY FOR THE PAST 3-6 WEEKS WITH ALL THREE CREDIT BUREAUS AND I HAVE NOT HAD ANY RESULTS IN REGARDS TO REMOVING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES ON MY CREDIT REPORTS. ALL 3 CREDIT BUREAUS ADVISED ME TO CONTACT THE CREDITORS TO REQUEST REMOVAL OF THESE INQUIRIES AND THOSE ATTEMPTS WERE NOT SUCCESSFUL. UPON REACHING OUT TO THE CREDIT BUREAUS AGAIN, I WAS TOLD TO DEAL WITH THE INQUIRIES BECAUSE THEY WILL EVENTUALLY FALL OFF AFTER 2 YEARS. THIS IS COMPLETELY UNFAIR AND UNETHICAL ON THE PART OF EVERYONE INVOLVED. INVESTIGATIONS HAVE BEEN REQUESTED AS WELL AS I HAVE BEEN VERY PATIENT, BUT I HAVE HAD NO POSITIVE RESULTS AND THIS IS HINDERING MY CREDIT SCORE AS WELL AS PREVENTING ME FROM BEING ABLE TO DO IMPORTANT THNGS IN MY LIFE. THEREFORE, I AM CHOOSING TO GO ABOVE THE CREDIT BUREAUS AND THOSE CREDITORS AT THIS TIME. PLEASE ASSIST WITH THE FOLLOWING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES : TRANSUNION : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX, XXXX XXXX XXXX THE ABOVE MENTIONED HARD INQUIRIES FOR ALL 3 CREDIT BUREAUS ARE UNAUTHORIZED AND UNRECOGNIZED AND THEY NEED TO BE REMOVED. METHODS HAVE BEEN TAKEN TO BLOCK FURTHER INQUIRIES WITHOUT MY PERMISSION. THANK YOU.
Product: Credit card

I am writing to file a formal complaint against Chase Bank for closing all of my accounts without providing an adequate explanation or a fair chance to discuss the disputed transactions, and for discriminating against me based on my XXXX. I have been a customer in good standing for over 2 years, and I feel that the way I've been treated is unacceptable and possibly illegal. 

I have been forthcoming with Chase about my XXXX  condition, a fact which they have on record. I took their advice to dispute certain transactions that seemed unclear to me. Chase informed me that they would reach out for further discussion on these disputed transactions ; however, they failed to do so. Instead, they simply closed all of my accounts, citing " unusual activity '' as the sole reason. 

Closing my accounts has caused significant hardship. Not only has this affected my financial planning, but it has also prevented me from accessing funds, leading to delays in bill payments and causing unnecessary stress. 

I am deeply concerned that I have been discriminated against due to my XXXX, as my account was closed without just cause and without any prior discussion to clarify the disputed transactions, despite promises to do so. 

I am asking the CFPB to investigate this matter and take appropriate action against Chase Bank for their improper conduct. I kindly request that my accounts be reinstated, and that Chase take measures to prevent such discriminatory actions in the future. 

Enclosed are copies of any relevant documentation that supports my case. I am willing to provide any additional information upon request. 

Thank you for your prompt attention to this serious matter. 

Sincerely,
Product: Credit card or prepaid card

I submitted a complaint against CAPITAL ONE, regarding them closing my account and I had nothing to do with the issue, but someone trying to help me during a terrible experience I had stepped in to help me pay money that the scammer demanded. I have 4 credit cards, they are restricted and closed. This complaint focuses on ACCOUNT XXXX XXXX, which I paid out of my XXXX BANK account, and has a zero balance ZERO!!! after I paid the {$3000.00}. 
They send me a letter everyday giving me 45 days to submitted proof I paid this. They don't listen to me when I call them, and insist the account was paid by the individual that paid all my bills to help me back in XXXX that I was demanded by this scammer to get him. I WAS NOT AWARE OF HOW MY BILLS WERE GETTINGPAID, SINCE I WAS READY FOR A BREAKDOWN DUE TO BEING THREATEN. 
SEE MY COMPLAINT XXXX Capital also sends me a daily email that they are closing my accounts u less I produce a statement. 
ALL OF THIS WAS UNFORTUNATE DUE TO THIS SCAM by a lying fake DETECTIVE BUT CAPITAL ONE HAS TREATED ME LIKE A CRIMINAL!!!!! I KNOW this is my 2nd complaint, but the mail delivered 4 more letter today and calling them they never listen or help it's a recording the same answer. Stop hurting a very good card holder for over 20 years+++CAPITAL ONE HAS ALSO DESTROYED MY CREDIT REPORT. 
I ASK THEY CLOSE MY ACCOUNT DUE TO PROTEST. 
I'm sick of a bank being so nasty and seeming love to " hurt '' the public. I did nothing wrong! BUT OF COURSE, I'M BLAMED. All this harassment, and it hurts me! To be blamed for something I had no control of, and to rub it in daily. 
PLEASE ADD THIS TO THE ABOVE COMPLAINT. I know the bank will come out perfect since we are nobody and they have the power to do whatever they want. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was checking my credit report and saw some inquires I didn't recognize. I am wanting the following inquiries to be deleted : XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. These inquires happen on XX/XX/year>. I did not authorize these companies to run my credit. This is fraudulent.
Product: Credit reporting or other personal consumer reports

ff from XXXX XXXX XXXX ( Account # XXXX ), yet you have failed to conduct a proper investigation as required under FCRA 1681i. Your continued failure to remove this unverifiable and inconsistent charge-off constitutes a willful violation of the Fair Credit Reporting Act.

The reporting of this account contains multiple discrepancies that prove it is inaccurate. The Date Last Active is reported inconsistently across bureaus, with TransUnion listing it as XX/XX/XXXX, Experian as XX/XX/XXXX, and Equifax as XX/XX/XXXX. Additionally, the Last Reported date varies, with TransUnion reporting XX/XX/XXXX, while Experian and Equifax report XX/XX/XXXX. The charge-off classification is also inconsistent, as TransUnion labels it as Profit and loss write-off, Experian as Charge-off, and Equifax as Charged-off account fixed rate XXXX These contradictions clearly indicate that this information can not be verified and must be deleted immediately. 

Your failure to properly investigate and correct these errors is a direct violation of the Fair Credit Reporting Act. Given that your company has already faced lawsuits for similar misconduct, I am initiating arbitration under the terms of your agreement. My claim will seek full damages for violations of the FCRA, including : I am demanding {$1000.00} per FCRA violation as statutory damages, along with {$5000.00} in emotional distress damages due to the harm caused by your continued failure to correct this misinformation. Additionally, I will seek full reimbursement of arbitration and legal fees. If this inaccurate charge-off has resulted in financial harm, such as higher interest rates or credit denials, I will also seek actual damages to compensate for those losses. 

I demand the immediate deletion of this charge-off. If I do not receive written confirmation of its removal within 10 days, I will proceed with arbitration and seek full monetary damages. This is not a negotiationthis is your final notice before legal action.
Product: Debt collection

My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. The following account are not mine I have never had an account with these companies : DIVERSIFIED CONSULTNTS, Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX XXXX are nor fixing the incorrect balance reported of my XXXX  XXXX XXXX XXXXXXXX. 

After 8 months equifax still showing a balance of {$2600.00} affecting my credit score and causing damaging financial issue. i ask them to fix it but after XXXX  months still no update. 

My credit balance hasnt been update to equifax since XX/XX/year>. 
If XXXX XXXX doesnt want to report they have to remove it or update it with the correct balance. 

I contact both companies but unable to fix the issue Both XXXX and XXXX  are reporting the correct balance. 
I added some screenshot below to show the error
Product: Debt collection

There is a docket from 2004 that Pressler and Pressler obtained. My income is Veterans XXXX benefits and Social Security .This matter was taken care of in 2004, with the county clerks office.Now Pressler and Pressler is threatening me for this .My situation has not changed. I will be XXXX for the rest of my life .I do not drive.Have no vehicle .I rent.And my income is all XXXXi thought this was over in 2004.The subpoena theyasked from me has allot of information.I do not trust them.
Product: Debt collection

I received an obvious scam letter in the mail from the company calling it Phoenix Financial Services on behalf of XXXX XXXX XXXX XXXX attempting to collect a debt for an unknown global medical response in the amount of {$1100.00}. There was no other information provided and I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to, the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness. All three bureau 's I have asked for information showing proof of this bankruptcy they are reporting on my credit profile. 

I have sent letters to all three bureau 's from XXXX XXXX  stating that they didn't release or report this inaccuracy to the three bureau 's. Now the three bureau 's have stated in there reports they received this information from XXXX XXXX 

I have sent the three bureaus a letter from the bankruptcy courts showing they have never released any information regarding my name to anyone. 

All three are refusing to provide me information or proof that a bankruptcy belongs to me. 
It's not fair that these agency can still report inaccuracy on my report and cost me thousands of dollars. I wanted to complaint against the bureaus
Product: Credit reporting or other personal consumer reports

Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted XXXX, TRANSUNION, AND XXXX on a matter that pertains to my credit. I have been a victim of fraud. I sent XXXX, TRANSUNION, AND XXXX a certified letter via usps to validate these accounts as asking to send original documents and a host of other things. The accounts that do not belong to me are : 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. I have not received any of the documents I requested. I have an account on my credit reports that does not belong to me. I asked to remove XXXX, TRANSUNION, AND XXXX the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing these accounts from all three credit bureaus ( transunion, XXXXXXXX, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. These fraudulent accounts is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay XXXX, TRANSUNION, AND XXXX and the collection agencies could not provide that information. E-Oscar is not debt validation! I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe! You can not because this is not my debt nor do I owe anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEEED ORGINALS WITH MY SIGNATURE FROM THESE ACCOUNTS ABOVE.
Product: Checking or savings account

XXXX XXXX XXXX XXXX Attachments Tue, XX/XX/XXXX, XXXX to arthuhenry XXXX XXXX Date : XX/XX/2024 Appeal XXXX Urgent Rebuttal for Immediate Refund of an Unauthorized Transaction on my Chime Account. 


XXXX XXXX : I have finally heard back from the District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, in regards to this matter via email + phone call. ( XXXX XXXX XXXX XXXX attached ). 


XXXX XXXX explained to me that after careful review of this Unauthorized Transaction in the amount {$XXXX}. XXXX XXXX XXXX XXXX XXXX XXXX is willing to refund my money back to my bank account ( Chime ). 


However, XXXX XXXX states XXXX XXXX XXXX XXXX can not find a request for the refund from Chime Bank. This is highly disappointing in regards to customer service on my account. 


I have attached as much brokerage contact information i could find XXXX XXXX XXXX XXXX XXXX XXXX. Will you please make the request for my refund immediately?
Product: Debt collection

Northest Collections Agency XXXX. They have the wrong phone number, I have repeatedly asked them " nicely '' to stop calling to no avail.
Product: Student loan

I am on XXXX and live on a fixed monthly income. I 've exhausted all of my other options, forbearance, deferments. Etc. I called XXXX XXXX or XXXX, XXXX and spoke to a gal named XXXX. She asked a bunch of questions about my finances and we worked to try and get a reasonable payment plan, incuding reduced interest rate, to no avail. She said some forms would be sent and I would get them in two to three weeks. This was a form for my doctor to sign. It was never sent. 
In the meantime, I have been slammed with phone calls from Navient, sometimes up to XXXX and XXXX times a day. Early on, I put a block on all the numbers they call from. XXXX time, I did answer. I had been asleep. My wife had also been asleep. She kept asking where the paperwork was. The guy said, very frankly, it would be a miracle if the loans were forgiven. We explained to him the situation, and that if I could pay, I would. He did mention that if I could pay an ex amount on the phone right then, they would n't send my account to collections. He also said, in a very rude and condescending way, my loans and payments are my responsibility and when I signed for them, I agreed to pay them back. My wife kept asking where the form was. He told us we could find the form online. My wife asked several more questions, but the guy got impatient and hung up on us. Great customer service. 
The form still had n't arrived, so I called again 2 1/2 months later, right after XXXX, just after the first of XXXX. The gal said the previous rep had filed the information wrong or sent it to the wrong department. The form was to take 2-3 weeks. That was the first of XXXX XXXX. Today is XXXX XXXX, XXXX, and still no form in the mail. 
I am tempted to call XXXX more time, to give them the benefit of the doubt, but, after my wife got to reading about all the consumer complaints about Navient and read them to me, I decided to take action. 
Why is it taking so long to get XXXX form out in the mail? Meanwhile, my good credit score is now shot, I am in default, and I have been denied a loan through the USDA to help get my parents house repaired so I can move out of my rented townhouse into their old house 3 hours away. My parents are not well and we can save a bundle on rent to be able to pay off my debts, including these loans.