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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, apt XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX : Urgent Dispute with XXXX XXXX  To Whom It XXXX Concern, I am writing to file an urgent and strongly worded dispute with XXXX XXXX  regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with XXXX is XXXX XXXX XXXX XXXX. I have been a loyal customer of XXXX XXXX  for XXXX and, and regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by XXXX XXXX  regarding an outstanding debt on my account. A XXXX representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from XXXX XXXX  is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement had inflicted serious harm to my XXXX XXXX, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by XXXX XXXX, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that XXXX XXXX  correct this injustice immediately. I demand that XXXX XXXX  take immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Failure to do so may constitute violations of the following laws and regulations : Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX actions in failing to disclose the negative credit consequences of the settlement may be in violation of the FCRA, which requires fair and accurate reporting of consumer credit information. 

Fair Debt Collection Practices Act ( FDCPA ) : If XXXX XXXX XXXX representatives engaged in deceptive or unfair debt collection practices, this could be a violation of the FDCPA, which governs how debt collectors can interact with consumers. 

Truth in Lending Act ( XXXX ) : If the terms of the settlement were not adequately disclosed, it may be a violation of XXXX, which requires clear and accurate disclosure of credit terms and conditions. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with XXXX XXXX, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to XXXX XXXX  from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

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

I will like to let you know that you infringed upon my consumer rights. Remember that in order for the financial system to work, only fair and accurate reporting is required! According to 15 USC 1681 ( 1 ), public confidence is weakened when false and unjust credit reporting information is reported. 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S.

Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy XX/XX/XXXX, that included the vehicle being reported as charge off on my credit report. I was dismissed from the bankruptcy the same year XX/XX/XXXX. The creditor report show charge off dates that are different years XXXX & XXXX. The payment history on account was delinquent 180 days past due as XX/XX/XXXX throughout XX/XX/XXXX as it changes frequently XXXX, XXXX, 90 days past due. The account was declared dismissed / charge off as bad debt effective XXXX XXXX. After several attempts to clear this matter now 8 year and 7 month old account its unsuccessful. According to the Fair credit reporting act this account should of been removed after the date of the first delinquency or the date of my XXXX to 10 years time last paid in bankruptcy. In the state of New Jersey its 6 years statue of limitation. I am 2 years and 7 months over. The creditor has change the information frequently when reporting to all XXXX creditor agencies and I believe this is wrong creating me hardships at this time.
Product: Checking or savings account

Wednesday XX/XX/XXXX I unlocked my debit card so that my rent funds could be deducted overnight and I woke up to XXXX unauthorized transactions from an account I am not familiar with. I immediately contacted Chime and they immediately denied my claim. I asked that they reopen it and investigate due to me not making the transactions. They were made about XXXX and I was sleeping in bed and had my card physically with me. They reopened my dispute and said I should have a resolution by XXXX XXXX. So 3 months I have waited patiently when all I want is my money so that I can close my acct. i contacted chime on XXXX XXXX because there has yet to be a resolution to my dispute and they said they sent an escalation to the investigation department and that they would contact me with in XXXX business days because they dont know why its not resolved. Of course no one contacted me so I reached out again Monday XX/XX/2022 and again no one had answers so they escalated it up again to the investigation department and said again someone will contact me in 3 business days. No one still did not contact me. So I just contacted them today XX/XX/2022 only for them to tell me that the investigation team just yesterday XX/XX/XXXX, requested a charge back from the merchant and that it can take up to another 30 days. At this point I am livid because why would the company just now be trying to initiate a charge back from the merchant knowing I didnt do these transactions. Chime dispute process has to be one of the worst I have encountered
Product: Student loan

I have private loans with Navient ( XXXX XXXX ). I 'm a XXXX, XXXX with medical issues, working part time as a XXXX, not what I went to school for!!! I have been making payments or been in some type program that " offers lowered payments '', and they automatically take money out of my account ( BIGGEST MISTAKE EVER ), payments were taken out that I did n't authorize. So I then had to open a new account and got behind on payments. The phone started ringing off the hook, they started at XXXX every morning and continued till XXXX. They called and harassed my co signers at home and their place of employment after being told not to call them there also called relatives. I would call and pay what I could but it was n't good enough, each time I spoke with them I was harassed and/or threatened to the point where I live in fear that I have to pay them and not feed my XXXX year old son. I ca n't live like this any longer. Today they called and told me I have to pay them {$59000.00}, or it gets turned into an attorney. I 'm not sure what to do now? Where do I get help? I do n't have that kind of money laying around, and I have no clue how my loans are so much!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I

sent a letter regarding inaccurate and unknown things on my credit report. to this day over 30 days later I have not received a response yet I feel like im being tak
en advantage of and being ignored of my disputes.
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I respectfully ask for your cooperation in deleting the late payments that were noted from my account history. I cherish my good connection with the Creditors and pledge to make sure that future payments are made on time and with more consistency. 
XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative XXXX 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed.
Product: Debt collection

I am filing this complaint because PORTFOLIO RC has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Credit reporting or other personal consumer reports

I have submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information reported on my credit report. I provided detailed information about the accounts in question and notified them of the violations they have made to my consumer report. Despite the mandated 30-day response period, I have not received any response from them. Attached are copies of all the letters I have sent for your reference.
Product: Money transfer, virtual currency, or money service

Certegy has my information flagged, denying me to cash a check or open checking account anywhere. XXXX, XXXX, XXXX, I went to XXXX, XXXX 's to cash a check. Both locations denied cashing check due to certify. I was given a ref #, XXXX, toll free number to contact Certegy XXXX. This is an automated system, that does not allow a consumer to ask questions, seak with a human being. Therefore, the pre arranged questions were unrelated, however, I still tried other options on hopes of speaking with a human, but there's no other option. I want a copy of my consumer file with Certegy emailed to me immediately. There is inaccurate information reporting in my file.
Product: Debt collection

My payments are being made as they wised. I only owe a little over 1000k $ left on a reposessed car and they are calling nonstop to get even more money out of me and calling family members of mine.
Product: Credit card

I applied for a Best Buy Credit Card ( XXXX ) a couple months ago and have gotten approved for it, after a while, I found out that it was closed. When I called they transferred me to the fraud security dept. They stated that they received information that this account was Identity theft, when I told them that I was not aware of this nor did I call about this, they further stated that they received the information from " XXXX '' via a dispute. I called XXXX and ask for an explanation and they stated they have no record of contacting CITI Best Buy Card regarding this. I then contacted back the CITI fraud dept. to let them know of XXXX 's Statement. They advised me that there is nothing they can do to reopen the account and that I need to apply for a new account if I want a Best Buy Card. 

I applied for Best Buy Card in the store and got approved for it ( XXXX ), when I got the card in the mail and tried to activate it, the call automaically connected to CITI Early Warning and they stated that the card is closed. 

This matter happened to me twice, there need to be accountability for this incident as no customer should go through this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted four requests to Experian to correct the name that should be listed on my credit report. I have sent them a copy of my driver license and a copy of my passport with the correct name. They will not update my name on my credit report. The name should be XXXX XXXX XXXX.
Product: Checking or savings account

I contacted the Bank a couple of weeks ago in regards to some overdraft fees I had received. The first XXXX fee occured XX/XX/XXXX and the next occured on XX/XX/XXXX. During our conversation I asked if these could be refunded to the account, as I was in the middle of transitioning jobs and had mistakenly not accounted for all of the bills I had coming through. The agent I spoke with placed me on a brief hold and returned to say that I had already used my free refunds. I responded by saying that I have never had an overdraft fee for the life of this account, and asked how I could have already used a free refund? She essentially told me that a refund was not available for me. 

My complaint is this ; based on my conversation with the agent, I believe I was treated differently than other customers. As she indicated, they offer " free refunds '' to some customers, which begs the question, why am I not included in this group of customers? Is it because I live in a Low to moderate income neighborhood? Because I am not affluent?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXX 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 an account without my written instructions. This account is a fraudulent account, I do not owe this company and I have never signed any contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian offered to negotiate billing with current creditors to reduced the billing amount. I provided accounts for their use during a free trial period of 7 days to see if they could produce results. Couple of days later they asked for " additional information '' on one of the accounts and I provided the requested information. Free trail period ended with no results or any response and they billed my credit card for {$24.00} on XXXX I called to cancel the " Premium account '' offer on XXXX and they said the billing was nonrefundable. I told Experian they did not produce the results they offered and I wanted a refund. After several minutes on the phone, they finally agreed to refund the charges. They should not offer services they can not provide or fail to provide. This is nothing more than fraudulent, " bait and switch activity '' and then they refuse to refund the money. They should be prohibited from this activity and not allowed to offer nonexistent services.
Product: Checking or savings account

They allowed multiple unauthorized transactions to go through. These totaled over {$400.00}. They refuse to fix it and said my investigation was closed. So basically, Im out $ XXXX and they will not do anything to make it right. They shouldnt have even let these transactions go through. I sent them 2 pages of transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this companies that claimed I applied for credit with them which I havent. I havent even started my credit at all. I called so they could dispute or take that off my credit they were really rude about it and unprofessional. At this point I dont know what to do because XXXX cant even take out no credit card due to having bad credit because of them. XXXX XXXX is one of them I have never gotten no credit card with them and they claim I owe them when I dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. 
According to the FCRA website, Willful FCRA violations : Legally speaking, a willful FCRA violation must have been committed knowingly and recklessly. Plaintiffs in these cases may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. According to 15 U.S. Code section 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of aconsumer that theconsumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ofappropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have provided all four necessary documents over four business days ago and still these reporting agencies have failed to uphold my rights as a consumer by deleting these accounts. These consumer reporting agencies are violating my rights every day over the 4 business days they are given by the law to resolve this alleged identity theft. As of today they are violating my rights for 4 business days.
Product: Mortgage

The sale of my home closed XX/XX/2022 : with {$1900.00} in the escrow account. I have not received a disbursement for those funds despite having notified ServiceMac on three occasions that their checks were not received. Each time, Im asked to wait 30 days before they will attempt to reissue payment. On my last call, I provided bank information and was advised that an ACH would be processed to my account on XXXX, XXXX. Instead, another check was allegedly issued and ServiceMac is refusing to stop pay and complete the ACH as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

called XXXX XXXX on XX/XX/XXXX, to buy XXXX Car which my lease will end in XXXX, informed me will send contract to email which will include all remaining payments and residual.on XX/XX/XXXX got contract fill it and send it back on XXXX XXXX XXXX  paid {$130.00} fees. 
XX/XX/XXXX called to ask about contract lady told me you need to pay {$2400.00} told her its included in contract she said you have to pay it, ask her if i am late she told me DUE DATE IS XX/XX/XXXX, SO I SCHEDULED PAYMENT ON XXXX XXXX XXXX my lender informed me that XXXX reported me late and my credit fell XXXX points, escrow is off.on XX/XX/XXXX SINCE XXXX XXXX  TILL XX/XX/XXXX XXXX XXXX TRYING TO REACH A SUPERVISOR AFTER CALLING ALMOST 11 TIMES BUT NO HOPE, MY LIFE IS RUINED ALTHOUGH I HAVE XXXX CARS FROM XXXX FAILED TO GET ANYONE TO SOLVE MY ISSUE
Product: Credit card

AVANT credit card is refusing to credit back their annual fee of XXXX dollars. Just opened the account and closed it immediately after receiving my first statement with the fee. 

Avant , LLC XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX
Product: Credit card or prepaid card

Prior to leaving for the XXXX XXXX I added {$2500.00} to my netspend card to pay for our resort stay which was {$2400.00}. When I arrived at the resort I presented my netpspend card for payment and it was declined multiple times for insufficient funds. I attempted to use my card directly and with XXXX XXXX but it continued to be declined. I contacted netspend customer service and all the representative kept saying is was insufficient funds but confirmed the amount on the card was {$2500.00}. They said they couldn't assist me with transferring the money back to personal checking account and that I would have to go online to do so. I couldn't access my account without roaming charges since I was out of the country. So I had absolutely no access to my money and the ATM only issued pesos with a fee. I was supposed to use this anywhere in the world they accept XXXX and XXXX but it would not process the transaction. After 2 hours at the reception area I had no choice to hand them my debit card. Now according to the resort they ran through a lesser amount to see if the transaction would go through and then I could use my personal debit card to pay the remaining. Since the transaction would not go through with netspend the resort without my permission charged my debit card the entire amount of XXXX. The next day, Mon XX/XX/XXXX I purchased items from the gift shop at the resort and my netspend card was accepted and also accepted at the airport. Finally I got back in touch with net spend, they said the resort machines would not convert the dollars to pesos. But that is not true because they use the same machines at the gift shop. This caused my personal bank account to process overdraft fees, negative balance and bill not paid. If you can use these cards anywhere in the world then netspend should convert to the countries currency from american dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in order to figure out the way out from the terrible situation that happened with me. I have fraud activity in my credit report mainly fraud accounts. SO I figured out accounts that are not mine. I am victim of identity theft. Please delete them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A item on my credit report has been illegally negative re-aged. Here is the background. 
Someone opened a XXXX account in my name. 
Approximately 8-9 years ago it went into collections. Approximately 3 years ago I disputed it and it was removed from my credit report. A few months later it re appeared with a new date of XX/XX/2017. 
The item is as follows Debt description XXXX XXXX Current creditor XXXX XXXX XXXX XXXX Amount of the debt {$1100.00}