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

To Whom It May Concern, I am writing to file a formal complaint regarding inaccuracies on my credit report and the lack of resolution after repeated attempts to dispute these items with XXXX, XXXX, and Equifax. I have attempted to dispute several inaccurate items on my credit report through the standard dispute process, requesting that the reporting agency provide proper verification. Specifically, I requested documentation, including a copy of the original agreement containing a " wet signature '', as proof of the validity of the accounts in question. However, despite my good faith efforts, I have not received adequate evidence to support the continued reporting of these items, nor have the disputed items been removed. The items in question are from XXXX ( XXXX ) for the amount {$2000.00} as well as a collection account from a business named XXXX XXXX XXXX for the amount of {$470.00}. On XX/XX/year> I asked Equifax, XXXX, And XXXX to provide me with verification and that didn't happen.
Product: Checking or savings account

Hello, I originally made an appointment for a manicure pedicure with XXXX XXXX XXXX XXXX  in XXXX on XX/XX/XXXX at XXXX. 
XXXX hours before the appointment I sent an email canceling my appointment on XX/XX/XXXX at XXXX XXXX. Their policy states that if you cancel with a less than XXXX hrs notice, they only charge half of the total cost. The total was {$130.00} so they should have charged {$67.00}. 

On XX/XX/XXXX around XXXX I see a charge on my card for {$130.00}. I called the nail salon to see if they could rectify their mistake and they were very XXXX and said that my email went to spam folder so they didnt see it and they refuse to refund me the {$67.00} they unauthorizedly charged. They charged my card in XXXX which breaks their policy. When I put my card number I did it based on this policy so this nail salon is committing fraud. 

I contacted my bank CHIME Multiple times through phone calls and mail and after sending proof like my email canceling the appointment and a screenshot of the nail salon cancellation policy they denied my claim XXXX. I asked for documents stating why they denied my claim and all they sent me is an email with some illegible handwriting. I called chime again and the team member couldnt even read the explanation. Just said that it was denied and he had no more proof. 

The first email I sent to chime with proof for dispute process was on XX/XX/XXXX after finding out my claim was denied. 
The second email with the same proof was sent on XX/XX/XXXX I think it is unfair for the nail salon to break their own policy and charge my card for an unauthorized amount. It is also very upsetting that Chime hasnt been able to solve my problem after evidence from my side was provided, and they havent been able to provide me with any substantial evidence of why it was denied. 

Attached is the cancellation email I sent and a screenshot of the salon policy. 

Im also sending screenshot of my claim being denied twice and the investigation result sent by Chime. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I used web bill pay to get a check to my credit card company before the due date ( due theXX/XX/XXXX, check delivered on the XX/XX/XXXX ). They processed my payment on the XX/XX/XXXX, leading me to a ) be late and b ) rack up interest charges. 

I called the issuer, and they stated that " you were late because we have to process them in the order received ''. I stated that I was n't late, but they were late processing it, and I do n't think their understaffing was my problem, and I should n't have to pay interest. She disagreed with me, stating again that " you were late because they process them in the order received ''. 

So clearly I 'll cut up the card, but the {$20.00} in interest is the first interest I 've paid in years, and seems to make their staffing issues my problem.
Product: Mortgage

My complaint is with Bank of America ( BOA ). On XX/XX/2020, I inadvertently paid my {$680.00} BOA credit card balance to my mortgage account using my XXXX XXXX checking account electronic bill pay. When I discovered my error on XX/XX/XXXX, I first electronically paid the credit card account and then contacted BOA customer service to request a refund of the {$680.00} that was currently reflected in my mortgage account as " unapplied funds ''. After furnishing the BOA rep with my routing and account numbers, I was assured that the money would be restored to my account within 5 business days. I was given a confirmation number. When I did not receive the money, I again called BOA on XX/XX/XXXX. The rep I spoke with on that date stated that the money would be restored to my checking account in a total of 7 business days which he calculated to be XX/XX/XXXX. 
I called BOA a third time on XX/XX/XXXX when the money had still not been restored. The two previous calls as well as this one required an approximately 90 minute wait time before I was able to speak with a rep. On this date the rep told me that this " was above his level '' and transferred me to another department after first assuring me that the wait time would not be as long. After an additional 90 minutes on hold, a recording came on and suggested I leave a message and that they would return my call. No one ever did.

Prior to contacting BOA customer service this third time, I called a local branch where I live, but I was told they could not assist me, that I would have to deal with the customer service number I had been using. 
On XXXX I sent a message explaining the situation using the on line mortgage account " contact us '' link. An automated response said I would receive a response in 2 business days. I have never received a response. 
Each time after speaking with a customer service rep I completed the satisfaction survey I received via email. In response to my request on one of these surveys, I received a call on XXXX. The woman seemed very knowledgeable, immediately understood the situation, and assured me that she was expediting the return of the funds. ( I again provided my banking information to accomplish this. ) She told me that she would call me the next day, XXXX and let me know the status of the request, but it should be accomplished that evening or no later than the following day. She did not follow through with her promise to call me and update the status. As of this minute the funds are still sitting in the mortgage account as " unapplied funds ''.
Product: Credit card or prepaid card

I had a BJ 's Mastercard issued by Comenty Bank. In XXXX BJ 's changed to XXXX XXXX Mastercard. In XXXX billing I paid {$3000.00} on a bill of {$5000.00}. I was charged {$70.00} interest. I paid that interest in the next month billing and I paid the entire amount. The bank charged {$92.00} on a fully paid bill. The next month I once again paid the entire amount and was charged {$110.00} interest on a fully paid bill. I called customer service 3 times. The first time the representative stated I had fallen " out of grace '' with a partial payment and it takes 4 consecutive months of full payment to regain status. I sent a message to the bank and got back twice to please call customer service. Each time I called I got a word salad from a badly speaking English rep. I got no further response and when the new card and new bank was issued I was cut out of their website. I would like to get the interest, which I paid, returned on bills that I fully paid.
Product: Money transfer, virtual currency, or money service

My dispute is with XXXX. I let a person that I thought was a technician log on remotely to my computer. My XXXX account was hacked and sent someone named XXXX XXXX {$34.00} on XX/XX/2021. On XX/XX/XXXX money was sent to XXXX XXXX in 2 amounts of {$77.00}, and {$23.00}. I immediately reported these transactions to XXXX and they sent me notices that they were NOT unauthorized, they were a usual transaction. I called the fraud department and told them that my computer had been hacked and that I have never sent money out of my account to any person. All I used XXXX  for was XXXX and XXXX. They said they would look into it and I just got an email saying they are all authorized transactions. They are not and even an XXXX could look at my account and see that this is not my usual transactions. They also wont let me close my account.
Product: Credit reporting or other personal consumer reports

These hard inquires were done on my credit reports without my authority. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Looking at my credit report I saw a collections account from Continental Credit Control opened on XX/XX/XXXX ( original creditor : XXXX XXXX XXXX XXXX ) with a balance of {$110.00}. 

At this time I was living in the school dorms and had sporadic mail access. I was under my mom 's insurance at the time and used her information when receiving my XXXX XXXX. 



Neither a bill from the XXXX XXXX nor a letter from Continental Credit XXXX ever made it to me. Without any information about the account that is attempting to be collected, I sent a debt validation letter by certified mail on XX/XX/XXXX. On XX/XX/XXXX XXXX the letter was delivered. It is now XX/XX/XXXX over two months later and I have not heard a reply to this request for validation and it is still being reported to the credit bureaus. 

USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 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 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i have reached out to the companies to have this issue resolved, most of them advise me to speak with the credit bureaus when i reach the credit bureaus for assistance they advise me to contact the creditors or the companies who pulled my credit for a " letter of deletion '' I am being sent back and forth between the companies, spending hours on the phone and still have not had assistance with these inquiries this is becoming extremely frustrating. I need these inquiries deleted as soon as possible this is not fair to me as a consumer these inquiries were not made/authorized by me they are fraudulent please do the right thing and remove thank you.
Product: Credit reporting or other personal consumer reports

I asked TransUnion to send me a XXXX of all of my credit inquiries because I did not recognize some and they sent me a letter with none of what I asked for all I did was ask them since they removed the XXXX XXXX XXXX and the XXXX XXXX and other things on my credit report for being missued on there can they remove most of the inquiries since they had things on my credit report and I couldn't get loans credit cards because I was denied from the errors that was on my credit report
Product: Checking or savings account

Chase is guilty of not posting charges chronologically, and charging me in a shady fashion to push my account into overdraft. They have a " 2 reversals '' policy for their overdraft fees and I have used this feature up in the last six months. I have had this account with them a little over three years. 
On XX/XX/2019, I checked my account to find I was {$18.00} overdraft. I had recently reached out to Chase about putting XXXX charges from days ago onto my account all at once at the end of the month. This was the case today. Nevertheless, I hurriedly had my mother transfer {$70.00} through the XXXX app into my account hoping to avoid the overdraft fee. Right after the transfer was completed I checked my account and there was {$50.00} in there. The next day I awoke negative {$88.00} overdrafted. This was XX/XX/XXXX. I had been charged the overdraft fee for three charges yesterday. I also had a new, non ACH Debit card charge for {$11.00}. I called to ask why I was charged when my account was not overdrafted by the end of the day. They claimed it was after the cut off time. 

I now had no money to eat. All the charges were days old charges from my XXXX. One from a week ago. All the charges were less than {$10.00}. I inquired about the {$11.00} charge. I had been told that they can not stop ACH Debit, but this was classified as a card swipe. I had signed a form at the beginning of my account stating I did not want them to allow my account to go overdraft, and to decline the charge. I was told by the manager on the phone that that didnt count and was deducted when I had money in the account. I checked my account today and I had three more late charges from XXXX, was charged {$34.00} for each. I was also charged {$34.00} for the {$11.00} charge I was told " didn't count ''. 

When I called the line and asked why I was charged for the {$11.00} charge, after a long period of " investigation '' the rep informed me that they treated this charge like an ACH Debit and just allowed it through. When I asked why a manager would tell me it doesn't count I was told they could not speak on " pervious calls ''. I asked them to pull my call and they refused.

I do not remember the manager 's name but I know the rep who transferred me to him was named XXXX. 
I am now {$200.00} overdrafted, and have not used my debit card for a sinlge swipe in five days. 
This is completely unethical business practices.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits on XX/XX/. They furnished this account that we didn't agree upon and I didn't sign an agreement on in the amount of XXXX dollars. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA i'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Debt collection

This debt was a result of identity theft police report and identity theft affvaidt was submitted ; company refused to discharge debt so went ahead and paid the balance to not have the account reported to bureaus. Received a paid in full letter then 2 weeks later received got another statement contacted company was advised that they would investigate and account would be closed instead the account was added and back dated on all 3 of my credit reports ; again contacted them providing all documents to support ID Theft and cancelled check ( proof of payment ) again received an investigation letter and less than a month later another statement. I believe that the company is ignoring the supporting documents and keep verifying to credit bureaus invalidly.
Product: Debt collection

I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. My personal information was compromised online resulting in many fraudulent accounts being opened. The following accounts are fraudulent. I did not authorize these accounts or authorize my information to be used to open these accounts : The Bureaus Original Creditor Name CAPITAL ONE NATIONAL ASSOCIAT Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$540.00} Pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information. 
4. This statement that the information is not related to any transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within 4 business days upon receipt of this letter.

I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.
Product: Vehicle loan or lease

I opened a new auto loan in XXXX on a XXXX Ford. The auto loan is with Ford Credit. The account has been current. In XXXX I called Ford and told them my XXXX payment would be late. On XXXX I mailed my XXXX payment. I called Ford on XX/XX/XXXX to advise them the payment has been mailed. Ford Credit put a negative rating on my credit and my wifes. This lowered our credit score In a very negative way. I called Ford on XX/XX/XXXX and asked them to remove it or work with me. They said no and the supervisor was unable to speak with me. I left a message For the supervisor and no one has called me back. COVID legislation section 4021 consumer protection provides protection to the credit score during a national emergency which is still declared. Ford Credit was advised this and did not work with me on the loan or credit  reporting. Thank you
Product: Credit reporting or other personal consumer reports

Payment history/late payments is inaccurate and contradict my records and that of the other bureaus. report also contradicts Equifax own reporting from my credit report pull and what they actually carry on their website. 
I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 
account number XXXX account name XXXX XXXX  On Equifax website you listed that I have 7 missed payments on this account and credit karma reports same from pulling data from your website and the same website of yours still has this same account with 5missed payments, but i requested my annual credit report you reported that I have 1 missed payment and same with the other 2 credit bureaus which is the correct information I have as well on file/ record.

I have upload screenshots of my annual credit pull for this account from the 3 bureaus using 1 missed payment and screenshots from your website showing 7 missed payments and also screenshot from credit karma 's data pulled from your website showing 7missed payments as well.
Product: Mortgage

I 'm trying to get a loan modification or payment relief to avoid foreclosure my sale date is XXXX XXXX, 2015. The lender is telling me that there is no sale date and to turn in the missing paperwork I 'm been missing .I was told by them I was going to receive a email with all the missing items never did. Then the lender is telling me verbally what items I 'm missing. I will be done with uploading the items I 'm missing by tomorrow. Then I receive a letter from XXXX XXXX XXXX a letter of Trustee Sale for XXXX XXXX, 2015. So I feel that there just not trying to help and they want to loose my Home since I have about {$100000.00} in equity.
Product: Mortgage

I obtained a loan for the purchase of my home through Citizen 's Bank. I was initially told verbally I would have no points associated with my loan. On documentation ( commitment letter ) leading up to the closing I had points listed. I had contacted the mortgage company stating they had previously stated I would have no points which they again verbally confirmed and I had them confirm via email as well. On my closing date, XX/XX/2016, while reviewing my closing cost details with my attorney, under the heading " Loan costs '' was a charge of {$260.00} labeled " 0.125 % of loan amount ( points ) ''. My attorney contacted my mortgage broker, XXXX XXXX, who stated it was an error which they would rectify via check after closing. My attorney advised to continue with the closing versus correcting the documentation first because we were already 3-4 weeks past the initial closing date. Three months later, and i 've been told for the past 1-2 months the " check is being processed ''. I was advised by my attorney to file a complaint. This is my formal complaint.
Product: Credit reporting

I checked my credit score today and noticed that it went down XXXX points, with that being said I noticed that Midland LLC was removed and replaced back on my credit file with a new report date of XX/XX/2017, this is not new credit..this account has been on my report for a while incorrectly. This incorrect posting has re-increased by debt by an additional {$2200.00} and decreased by score by XXXX points. I was never notified by XXXX, XXXX or XXXX that that they would be doing a re-insertion of this account on my credit. I request that it be remove ASAP because this is a violation and and requirement by FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Mortgage

My loan was recently transferred to this company. My promissory note specifically says that there can be a late fee after the XXXX of the month. It is due on the XXXX. This new company that I am complaining about charges a late fee after the XXXX. I feel like they have changed the terms of my loan and I have been told that they can transfer the loan but not change the terms of the loan.
Product: Mortgage

In XX/XX/scrub> XXXX  I applied for a HELOC loan from Navy Federal that was initially approved and the denied for no reason I had a XXXXredit score over XXXX and provided all the documentation they requested, I've offer heard other people complain about discrimination at Navy Federal but never experienced it until now.
Product: Checking or savings account

Hi, I called Discover bank customer service, and put a stop payment on a {$540.00} check on XX/XX/XXXX, the agent assured that after this stop payment, the check would not be able to be cashed anymore. 
But the check was still cashed on XX/XX/XXXX, it turns out that the agent made some mistakes when inputing the stop payment order. I called customer service and they admitted that it's human error on their end, but there is no way they can help me and I have to just take the loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian did not receive written documentation with my signature showing I entered into a contract with XXXX XXXX. I ask XXXX and Experian to provide documentation of debt validation.