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

Several transactions through my wife and I account were not authorized by either of us. We spoke with said companies who stated they would give us back our money but only 25 % of the amount. We then filed an investigation through adp compliance for XXXX  we were told we would get documents to sign and return there were multiple transactions on said list that were accurate which was made aware to them. they denied the refund stating the charges were accurate. during this time from XX/XX/XXXX to XX/XX/XXXX they cancelled our card and sent a new one ( appropriate ) but they also locked our account and we had no access to our money at all as well as we continued to get notifications of transaction being attempted during the investigation but we had no access at all. The charges are attached to our account but we didnt not approve them or even attempt to purchase said items we were charged for. We did not receive any goods/items either. the following are the charges I am requesting assistance on please. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX work out supplement charge was {$110.00} XX/XX/XXXX XXXX XXXX  XXXX work out supplement charge was {$39.00} These 2 charges the rep stated I placed an entry to win a free XXXX. I did not do that in any way but explained further even if i had that wouldnt justify being charged without my permission for services i didnt request or get items for. these 2 charges are the one I was advised I could get a 25 % refund for I declined and requested to speak with a manager and was denied that right rep stated the volume of call were to high for me to speak with a manager. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge {$9.00} unable to reach XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$89.00} unable to reach XX/XX/XXXX XXXX XXXX XXXX charge {$6.00} unable to reach XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$69.00} the last charge on XX/XX/XXXX was after I started the investigation and my account was frozen we werent even able to access our funds through any venue at all we were locked out of our account from XX/XX/XXXX to XX/XX/XXXX so how did we charge the XX/XX/XXXX charge? it was denied as well as all the others listed above. XXXX advised that we couldn't get a final answer for investigation until I signed documents of transactions i received those documents on the evening of XX/XX/XXXX and sent them back via email at approx XXXX that same day. we received the letter of determinations and denial of refund on the XXXX in the mail but the date on the letter was XX/XX/XXXX. There were multiple other issues with XXXX  as well to include they lied to me about my account info I authorized my wife permission to speak with them on numerous occasions and was told it was noted in the account but it wasnt Jovy a cust. rep stated we didnt even have an account we debated over that for an hr. I did not authorize these purchases in any way shape or form. I believe that XXXX  did not investigate my claim as advised. I just want the money that was taken from me returned that is it. I would appriciate any help I can get at all thanks
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin XXXX XXXX XXXX was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more tan seven 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 that the information is inaccurate modity accounts tat isnt reporting correcuy. 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 XXXX instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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 that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that XXXX  was reporting an account that i did not open. Upon calling they were not able to assist me as the account was from 2016. Additionally, they told me that they could not help with the correction information to my credit report as they do not delete information. I would like for them to review this information and remove it from my credit report as it is not mine. I have never had an account with them and did not give anyone authorization to use my personal information to obtain a credit card from them.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ) and XXXX have been unable to come to resolution on a claim regarding XXXX transport  on XX/XX/XXXX. The dispute is that XXXX is out-of-network and there is not an agreement of resolution between XXXX and XXXX. XXXX paid out {$700.00} of a {$2300.00} bill ( for the XXXX mile trip to XXXX  ) and I was responsible for {$170.00} as required by my policy. XXXX has been billing me the additional {$1500.00}. 
I spoke with XXXX regarding the billing and have appealed the claim with XXXX four times. 
The bill has now gone to a third-party collector, Credence Resource Management , LLC. 

Being an XXXX  and incapable of choosing an XXXX  provider that is in-network or not, XXXX should be responsible to cover XXXX  and transport per my policy. 
I have filed a complaint with the Office of Insurance Commissioner of WA State. 
The billing is illegal under the No Surprise Act of 2022 and the Consolidated Appropriations Act of 2021.
Product: Credit card

Good night, so XX/XX/year> around XXXX XXXX I got a phone call regarding some different transactions while I was driving home coming back from XXXX sending my daughter 's documents to get her passport, so I was panicking due to all this happening, was in total {$4.00} taken out from my account. When I talked to them we open a claim and say they will investigate it and also got me a new card. 

So before XXXX I got XXXX transaction for {$250.00} each and the las XXXX for {$2500.00} at XXXX XXXX while I was on the phone with them. 
As on the image attached of our phone call at XXXX XXXX XX/XX/XXXX they decide to freeze my card, while all the money was already taken out. 
During this time they did not required for any other information just got a email on XX/XX/XXXX that they will credit a provisional money while they investigate it for {$4500.00} and within 10 days they will provide a decision. 

On XX/XX/XXXX it means just 6 days, they decide to deny my claim and their reason : '' We reviewed your claim and found no error occurred in your account. Our decision was based on a review of your account activity. This includes, but is not limited to, transaction details, account history and/or differences between your claim and the activity in your account. 

The provisional credit of {$4500.00} applied to your checking account on XX/XX/year> will be removed from your account on XX/XX/year>, which is 10 days from the date of this communication, at which time your case will be closed. 

You have the right to request the information used in deciding this claim. '' Have been checking and the agent I talked to did not include XXXX more unauthorized charge for {$1400.00} on XX/XX/year> All the withdrawals are in the name of " XXXX XXXX '' Electronics As soon as I seen my email I request the information they have to denied my claim and got an answer they are no able to provide any further information. 

After that I tried to appeal with them but have not gotten any information. No one gave me information about it. 
Since then have not heard from them
Product: Mortgage

Last year in early 2019 my family had a financial hardship. My mortgage company Freedom Mortgage worked with me to get a modification on my loan to lower my payments. I am very grateful for this company and do appreciate the new payment amount. However, I was not informed on how long of a process this would take. I provided all my documents in a timely fashion and the process took much longer then it should. If I would have known this would cause me to miss 7 months of mortgage payments and decrease my score and my wife 's score drastically, I wouldn't have made this decision. This has affected my financial situation in a different way now. This modification process just transferred financial stress from me not being to pay my mortgage company to now not being to pay all my other accounts with other companies because now my interest rates are extremely high and I can't keep up with the payments. This has put financial stress back on me and my family & I know this isn't the goal of a loan modification. I worked really hard to get a XXXX credit score when I bought this home and now I'm in the low 500 's (  and XXXX my wife ) because of the long process I was unaware of. I did call several times during the modification process as was worried something was wrong since it did take so long to get completed. 

I have called to speak to someone at Freedom about possibly removing some or all of the late payments but they said they are unable to do so. Again, I'm so very grateful for the modification but I wasn't informed on how long of a process this would take and would have taken that into consideration before going through with this process.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXXXXXX 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

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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX, TX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Unpaid Balance {$3000.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$760.00} XXXX XXXX Unpaid Balance {$0.00} Bankruptcy XXXX  XXXX Dismissed Docket Identifier XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 the identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

My name is XXXX XXXX XXXX, in XXXX I consigned on a student loan for my nephew, XXXX XXXX XXXX, to attend So XXXX XXXX College. In XXXX XXXX, XXXX called the lender for a payoff quote, and was given the amount of {$5000.00}, a payment for that full amount was immediately mailed. Now, 4 years later, Naviant is claiming the check was applied to the loan as " paid ahead '' leaving an interest balance of less than {$130.00} which has now accumulated to the amount of {$370.00}. This company has recently reported a negative 4 year overdue balance to the credit bureau, and now my outstanding credit rating which was ( XXXX ) has now been reduced to the poor rating of ( XXXX ). I have never paid a bill late in my life, and consigning is something I do n't I do without great consideration and monitoring. Believing that this loan was paid off, and the fact my credit rating was n't affected until now, as well as not receiving any communication in the last 4 years regarding this matter, prevented us from rectifying the situation before it got to this point. 
I have made several attempts to appeal to Naviant representatives over the last two weeks, that this account was paid in full in XXXX, I have asked to speak to supervisors and their legal department, but they continue to stand their ground. I believe this company is pulling a batch and switch, by quoting one amount, then continue to add interest before applying the funds to pay off the loan, then holding the account open while the interest continues to accumulate, thereby charging additional funds for their profit. If this was n't the case, then why want they settle this matter reasonably, and notify the credit bureau and return my credit score to it original standing. Their exact reasoning is the amount of {$5000.00} was considered a payment in advance, or that the account was paid ahead, not in full. Our standing is, why would we pay {$5000.00} and leave a balance of less than {$150.00}, and make no attempts to pay off that small balance over a 4 year period. This is obviously a scam being pulled to extract additional monies from unsuspecting students, parents and consigners. I am requesting your assistance in resolving this matter expeditiously as this situation with my credit rating, as of now is preventing me from conducting business as planned. 
Please contact me regarding this matter @ XXXX, or email XXXXXXXXXXXX Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has to be the only credit reporting agency that doesn't do any research. Because I have a credit freeze on my account. I'm still getting inquiries from companies that I have not applied for credit. I have a total of 7 that Experian refuse to investigate and remove. XXXX XXXX is also being reported on my credit report which I've asked Experian for a copy of my signature for this name I've never used.
Product: Credit card

So I get credit card offers in my chase portal so called pre approved and was also receiving it in the mail and then I applied and got declined ... and still getting their offers in the mail they just put a hard inquiry on my credit report for nothing. 

While XXXX even without offering they told me before i could get approved without some benefits and was still able to decide on if to harm my credit for this one. 

ITS ABOUT TIME TO CHANGE THIS WAY OF CREDIT REPORT ATTACKS
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting agencies improperly reported information on my consumer report. The information was disputed and the results came back from the agencies as " Verified '' but still showing incorrect information and shows they did not conduction a " Resonable '' investigation as required by the FCRA. The account is a collection yet showing a past due, also payment grid showing incorrectly.

This is a violation of : 15 USC 1681e ( B ) - Maximum Reporting Accuracy 15 USC 1681i ( a ) ( 1 ) ( A ) - Procedure in case of disputed accuracy I have uploaded the Investigation results as proof of the poor investigation and inaccurate reporting.
Product: Student loan

I have received XXXX mail notifications that I owe a bill for my loans to Aidvantage on XX/XX/XXXX. The XXXX administration extended the pause until XXXX, XXXX, so why is my lender lying to me? In addition, I was in deferment during graduate school and I just graduated in XX/XX/XXXX, and Im supposed to be given a XXXX  month grace period regardless.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX Credit card debt Attempts to collect debt not owed RESURGENT CAPITAL SERVICES L.P . 
XX/XX/2024 Closed Company responded XXXX  Since you are not willing to provide me, anything showing why i should do business with you, I am giving you10 days from today to provide me with the original documents, transfer of debt for receivables, or any documentation you can provide showing me what reason we have to do commerce or delete all negative marks from my credit report. 

Govern yourself accordingly!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$140000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I noticed I seen a inquiry on my credit report that I didnt give no one authorization to get this approval to pull or report it
Product: Credit reporting or other personal consumer reports

I successfully file a dispute with Experian about falsely reported address on my credit report. Now I would ask the company that put that address, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on this report to rectify their relationship with the fraudulent actor who put this address into my report so that a ) they are arrested for fraud, if that is the case, or b ) incorrect input of a social security number like mine be corrected to the correct SSN. Finally ensure that this error or attempt at fraud does not ever reoccur. Please let me know if a fraudulent entry was made and, if so, if the right law enforcement agency should be contacted and who this is. Be aware the help you provide is so appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 credit inquires that did NOT come from me. 

The days are XX/XX/22 for all three. 

1. Lendingpoint llc Phone # XXXX 2XXXX XXXX  PHONE # XXXX XXXX. XXXX XXXX XXXX Phone # XXXX
Product: Debt collection

I received an alert by XXXX notice of collection by XXXX XXXX XXXX for {$XXXX} aka, appliance repair specialists, I don't know who they are but someone has impersonated me. Apparently this Company is in XXXX XXXX. I tried calling them at phone listed on my report XXXX goes straight to a unlisted number. 
I have never contacted this or any Company for service they have the wrong person so I want to report them to you, Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Formal Complaint Regarding Inaccurate Reporting on My Consumer Credit Report Dear XXXX, Experian, XXXX, and XXXX, I XXXX XXXX XXXX XXXX a natural person , am formally submitting this dispute regarding the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly disputed these violations, yet my requests for a proper investigation have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable investigation violates my rights under federal law.

One of the primary inaccuracies pertains to my account with XXXX XXXX XXXX. Specifically, this account does not list my payment history, yet it has been reported as negative on my consumer file. Additionally, you have failed to provide me with verifiable proof of the alleged late payments in a timely fashion before reporting such derogatory information on my consumer report. 


Your failure to investigate and correct these inaccuracies is in direct violation of 15 U.S. Code 1681i ( Fair Credit Reporting Act ) and 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ). As per my rights under these federal statutes, I am formally demanding : 1. Immediate removal of the inaccurate accounts and negative marks associated with my XXXX XXXX XXXX account and any other unverifiable information. 
2. A detailed explanation and proof of how and when you verified the accuracy of these reported items. 
XXXX. A complete reinvestigation into all disputed items to ensure full compliance with federal regulations. 

Failure to comply with my request within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to protect my rights. 

I expect a response to this formal complaint within 30 days as required by federal law. Please send all correspondence and documentation regarding this dispute to my contact information listed above. 

Sincerely, XXXX XXXX