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

I retained a company local to zip XXXX, XXXX XXXX, to fix my air conditioning. They came to my home, which is on an island, on XX/XX/20 and charged {$140.00} for an assessment. I paid by check. They told me it was a part under warranty ( unit was only four years old ) and that it should not be much - there was no formal estimate but they came back to fix it on XX/XX/20. They told me it was fixed and charged me {$780.00}. At the time, they could not show me what those charges were due to Covid and i requested a breakdown of charges because they said the part was under warranty. They said it was labor and also they had cleaned a bunch of parts and it included a future visit to recheck. They couldn't provide a breakdown and i did NOT sign off on the services provided. They told me they would send me a bill copy when they got back to the office and to let them know if there was any issue. They demanded payment so i used my Chase Visa to pay, believing Chase would support any issue i had with the transaction. XXXX never sent a copy of the bill until nearly 10 days later and in the meantime, the air conditioning was still not working. XXXX sent me a quote for an additional amount to replace the compressor for {$1500.00} which included a CREDIT for the amount i had already paid! Obviously i did not have faith in this company and had the company that originally installed the unit, XXXX XXXX, quote me a price which was {$1800.00} which i accepted. They completed the work on XX/XX/20 which was the soonest they could get to the island in the summer. I also paid the {$1800.00} on my Chase visa. XXXX XXXX said XXXX had broken a part and valve also which they had to replace. The air conditioning was fixed. XXXX XXXX made a warranty claim on the compressor they replaced but found XXXX had already made the same claim ( despite not having the original compressor )! XXXX did not respond to my further inquiries and I disputed the charge from XXXX several times and spoke to numerous people at Chase. I explained to them XXXX was committing fraud. They refused to do anything or credit me for services not rendered or received as expected/paid for. After my first dispute they told me to redispute for a different reason then told me i was out of time as it had been more than 60 days. I refuse to pay the amount of {$780.00} to Chase or the associated interest. I have an excellent credit score and history and have never had any credit trouble despite divorce and numerous job losses. I have talked to Chase Collection and requested they not call me any more about this charge and explained to them why i will not pay however they continue hounding me. I'm attaching all the documents in reference to the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Credit Limit {$500.00}, Date Opened : XX/XX/XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had spoken to XXXX XXXX XXXX. Office Case Specialist on the phone. She told me to contact the Credit Bureau & request them to send my XXXX credit report to me, that she claimed would show that Well 's Fargo submitted my paid second mortgage to them in XXXX. The credit Bureau informed me that they have no record of Well 's Fargo submitting a paid mortgage in XXXX I relayed this to XXXX over the phone, Received a XXXX  from her dated XX/XX/XXXX, XXXX along with copies of my prior complaints regarding my mortgage Refusing to give the Credit Bureau my paid 2nd Loan as being paid. Has Nothing to do with my First Mortgage which I'm still trying to locate as being paid off too. Thank you XXXX XXXX XXXX XXXX
Product: Student loan

On several occasions, over the last few years, we have had problem after problem dealing with Navient and their practices as it pertains to my private student loans. During the last three years, they have made several claims that we have defaulted on the loans, and missed several payments so I can not have my co-signer released from the loan. As we get close to the two year mark in order to have my co-signer released, they claim the missed payments, late payments or that we have been in default. 
Also, during a period of XX/XX/XXXX to XX/XX/XXXX, we made a change as to our banking. During that period Navient tried to withdraw funding from both the new bank as well as the old bank. When the payments were denied through the old bank, Navient penalized us and assessed late payment and returned payment penalties. Also during this same period, we have tried in vain to deal with Navient as it pertains to setting up automatic payments from our new bank. 
Navient would not allow this as they claimed those missed, late or in default payments would not allow us to be enrolled in the automatic payment program. Yet, on several occasions we had given our banking information to Navient to have the automatic payments set up and they did not inform us that we could not be part of that program. So, we were under the impression that we had been in fact part of the automatic payment program, but in all actuality we were not. It was not until two to three weeks later when the payments were missed, due to no fault on our part, Navient would call us demanding immediate payment. We explained that on several occasions that we were led to believe we were part of that automatic payment program and this should not have happened. Those within Navient then became rude, insulting and dismissive as to our questions and concerns. 
On several occasions we want to continue in the lower aggregated repayment program, but Navient said that we could not continue in that program as we were in default, missed payments, had payments returned and other assorted reasons.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit card

I have been on hold for 1.5 housr trying to cancel my credit card. Thirty-five minutes into the call I did get connected to a representative only to be told that I must be connected to a " specialist '' in order to close the account. It has been an hour and a half and I am still on hold on the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XXXX XXXX, XXXX after my mother 's death on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXXand continued to the present XXXX security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, XXXX, XXXX and Experian. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently had an account show up on my credit report and the credit bureau was asked to verify its validity sent a correspondence on XX/XX/2020 the matter has not been resolved and the dispute has been open since. For Equifax, XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. XXXX and TransUnion Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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: Mortgage

On XX/XX/2022 I received a response back from RP Funding on a previous complaint that the property is not located in a floodplain the requirement for flood insurance would be removed and they would issue any refunds as applicable. 

This complaint is in regarding the mandatory private flood insurance that was obtained on XX/XX/2022 In the amount of {$820.00} for a XXXX year policy. I called guided insurance solutions on XX/XX/2022 and canceled our private Flood insurance policy. On XX/XX/2022 a refund in the amount of {$380.00} was credited back to us from the insurance company. There was a penalty of more than XXXX XXXX due to early cancellation. This leaves a remaining balance of {$430.00} that we need to be reimbursed for as the policy was not needed since the property is not in a flood zone. 

I reached out to RP Funding concerning reimbursement of monies spent on mandatory private insurance on XX/XX/2022 by FAX and email. I called on XX/XX/2022 and I was told that since the funds are not coming from an escrow account that they will do nothing about this. I informed the representative in the Insurance Department that another complaint would be filed with the CFPB as this would be considered unnecessary expenses incurred due to their errors and should be reimbursed as it was previously stated in a prior complaint as a fair resolution to the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a billing error notice for an erroneous account that is being listed on my both my Experian and XXXX credit reports which they received on XXXX XXXX, XXXX via certified mail. It was not a dispute but rather a billing notice that the account is in fact not mine. Within the packet that I sent to both, it included the Billing Error Notice along with Exhibits explaining how the account is not mine. I havent gotten any results via mail from them but rather Experian is only notifying me on the website. When I checked their site the other day the notification said my results were done but the account is still being listed on my consumer report as of XXXX XXXX, XXXX. I already reported XXXX and they said it was deleted from my account but has not been yet.
Product: Checking or savings account

I had an account with chime that for some unknown reason was closed and I had to open a new account but never received my money from that account. I had forgotten all about it until a bank I was just linking my account to shows my chime account that has the XXXX dollars in it. Ive called and emailed and keep getting nowhere its been years and I dont understand what the issue is. I had to take out a loan back then with XXXX because of this and recalling the stress I was put thru over this the last time I tired getting my money. It was a hard time I was going thru and I just want my money. The account Im referring to is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New account is under XXXX And I had moved around the corner at XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. All my negative accounts have been violated by my federally protected consumer rights to privacy and confidentiality act. under 15 use 1681. 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states No consumer reporting agency can make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit card

On XX/XX/year>, I was an employee of Kohls corporation and eligible for a 35 % discount. The discount is supposed to be applied as a refund to the store card. I made purchases that have never been credited the discount on my store card and the company is refusing to remediate. I no longer work for Kohls. I did work for Kohls at the time of purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed multiple unauthorized credit inquiries had been made. 
I contacted the sources listed below, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the inquiries on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. 
XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to log into my account at TransUnion to unfreeze my credit. I was unsuccessful. I clicked on Forgot Password and then answered several questions to verify my identity. At the end it said it could not verify my identity, even though I know all my answers were correct. I then attempted to call the number given to talk to a support team member. The message said a 5 minute wait. After 16 minutes I hung up, because I had to get back to work. 
I called another number TransUnion had for unfreezing credit via an automatic voice system. This was unsuccessful and then put me on hold again for a customer rep. 
I tried a few more times to access on line and was not successful.
Product: Payday loan, title loan, personal loan, or advance loan

This is one main financial i took and my long was finished pay off but they said my long was not paid off there was some fees and interest which was {$2500.00} and i couldnt pay it because i knew i had finished pay off but they trick me and said there are some amount i need to pay
Product: Checking or savings account

I attempted to open an account with Citibank on XX/XX/XXXX. They have had my {$20000.00} since then and have not returned it despite my repeatedly calling and asked me for it. Once when I called, they told me that I was unable to open an account because they detected fraud. But at no point has Citibank contacted me about anything regarding this account. I have been hung up on by customer service and promised that I would receive it, but as of today, I have had no correspondence coming from them and have not received the money. I have called them no fewer than five times and spent hours on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two items on my credit report and they pretty much told me that the two items I disputed about was mine. I have a twin her name is XXXX XXXX and mine is XXXX XXXX. Our SS # 's are two numbers off, we live at the same house and work for the same company. I am at my wits end with this. We are two different people and they keep saying her XXXX is mine on my credit report. I want it fixed, and at this point I don't know which way to go other than investing money I don't have for an attorney to get this rectified. Please give some incite as to what can be done.
Product: Mortgage

I have gotten behind ( well been behind for some time on my loan ). My mortgage servicer Specialized Loan Servicing sends me a monthly statement indicating my amount/s and what I have paid. On this statement it shows Fees/Charges/Optional Product with a {$0.00} balance but yet the past 2 times I have called them they have advised me verbally that I owe them over {$300.00} in late fees. How can you indicate on my monthly bill that I have no late fees but yet say that I owe you late fees over {$300.00} ( can't remember exact amount ). I feel that they are being untruthful in not disclosing to me that I am being charged a late fee when they send out my monthly statement.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Credit card

For as long as I have had a Best Buy rewards card with Citi I have NEVER received a bill. Not once, not electronically in an email, not in the postal mail, nothing. Best Buy Rewards was part of XXXX which sold to XXXX XXXX which sold to Citi ... Because I moved during one of the mergers I could not verify my own information. Fortunately I knew my card was expiring and sent a change of address notification to my old address with my new one and my " new '' Citi card was mailed to my current address. Hooray ... Once I could verify my account, I could change my address BUT I still never received a bill. Not in an email nor in the USPS system ... nothing, nada, zilch. Today, I received a set of collection phone calls saying I missed a payment. Apparently Citi upped my monthly payment without telling me and 3 months later, my account is over due without my knowledge. So, I closed the account only to be told that I can expect a final bill based on accrued intrest and check my email and post box!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received notice of the data breach through my credit monitoring alert. 
I noticed that there are unauthorized inquiries on my credit report. 
I have attached the inquiries. 
Please remove immediately.
Product: Mortgage

When PennyMac bought our loan they did n't accept bi-monthly payments like our previous company. We were not notified of this until we called about fees we were being charged. So it showed as late payments. Then we were offered a modification. When it was explained to us, they told us not to make payments certain months and then make partial payments other months. We were told that once the modification was finalized that all negative markings would be wiped off of our credit report. We were told the loan would be shown in good standing with no blimishes. They show the loan in good standing but all of the negative reported is still on our credit report. It is still effecting our credit score 4 years later and they continue to say they ca n't help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19. Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our account status and not our responsibility from XXXX XXXX  during COVID-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my free credit report from equifax but i am not able to access it I tried to create an account on my.equifax.com but i just keep getting this : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team I called and no one even picked up. 

so then i went to XXXX and entered all of my information and it ended up giving me this : " We are not able to deliver your free Equifax Annual Credit Report online. '' i've tried accessing it a few times over the last couple years and always get these errors, it's become unacceptable to me how unnecessarily complicated equifax is compared to the other 2. 

I have a small medical debt to dispute on equifax ( it was paid off so its an error ) I did not have these problems when using XXXX or XXXX and they were able to remove the debt off their reports within a week.