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

Please see below the timeline of actions taken regarding my complaint. All corresponding documents will be attached. 

1. On XX/XX/XXXX I received and email receipt for {$420.00} from XXXX XXXX via XXXX. As I didn't make this purchase, I called Chase Card Services immediately, they documented my call and said they would investigate. 
NOTE : Merchants I have purchased from do use XXXX credit card processing services. Therefor my credit card number, name, email address and phone number are recorded in the XXXX system. I'm not aware of their security methods. 

2. Chase response email XX/XX/XXXX stating they will research my fraud claim. 

3. Chase letter XX/XX/XXXX, stating they are investigating. 

4. Chase letter dated XX/XX/XXXX, received via US Postal Services XX/XX/XXXX, stating they found " You received benefit from this transaction ''. I called and requested proof of the services or goods and never received those from Chase. 

5. Letter I wrote to Chase on XX/XX/XXXX outlining the fraud charge in question and other prior fraud charges to my Chase account that they failed to address. After this letter they credited the duplicate XXXX charge yet failed to address the larger ones. Regarding the XX/XX/XXXX {$500.00} charge at XXXX, my credit card had been stolen, reported to Chase and the police, yet Chase never would acknowledge this. I eventually paid as I was tired of arguing with Chase. 

6. Chase hard copy letter dated XX/XX/XXXX stating they still believe the charge was valid yet provided no evidence to support their findings. 

7. XX/XX/XXXX I called Chase customer service again to discuss the fraud charge. The agent told me I need to work with XXXX, and told me to submit my documents ( the ones listed above ) to this email address. 

8. Chase hard copy letter dated XX/XX/XXXX response to my re-claim of the XX/XX/XXXX fraud charge, again giving me no documentation of the charge and no resolution to the issue. 

Having exhausted all avenues with Chase card services, I started my own research into the charge. Documents outlined below show the XXXX receipt was not from a valid merchant. 

9. Original email receipt from " XXXX '' which alerted me to the false charge. 

10 My response to the XXXX XX/XX/XXXX email receipt. 
11 Immediately I received this " Mail Delivery '' alert : " ADDRESS NOT FOUND ''. Proving the initial charge was not valid. 
12 Email attempt to another address, did not work. 
13 XXXX search for the alleged business " XXXX XXXX '' showed no results. 
14 Chase original statement. No phone number was not provided via Chase billing per standard procedure or via their " research ''.

15 Most recent statement from Chase, they are now charging me over {$110.00} in additional fees and interest. 

As you can see, I have worked all avenues with Chase card services to resolve the fraudulent charge made to my account as well as my own research, both providing no proof the charge was valid. Chase has canceled my account and reported me to credit services. I recently applied for a new home loan and this was recorded as delinquent on my personal credit report, a violation of my FCBA rights.
Product: Debt collection

A collections agency, I believe it is XXXX, has relentlessly called my mother-in-law leaving messages for her relaying that they are attempting to locate me and collect on my student loans.Yes, they have said that I owed student loans and they were a collections agency seeking to speak to me about those said loans. Sometimes they call two to three times a day and have on occasion called, left a message, and then immediately called back. My mother-in-law was never used as a reference for my private student loans, though my now late-father-in-law was. XXXX has not supplied any written documentation to provide that I owe anything to them or if I do that they own the debt.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$2000.00} Date of Account : XX/XX/XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$510.00} Date of XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$2300.00} Date of Account : XX/XX/XXXX
Product: Vehicle loan or lease

I am in the process of buying a new car, calling around various dealerships and getting price quotes. Throughout the day yesterday, I spoke on the phone to XXXX XXXX, salesman at XXXX XXXX in XXXX, Illinois. I explained to him, in no uncertain terms, that I am looking for an out-the-door price on a 2019 XXXX XXXX XXXX XXXX. I explicitly stated that I will not be financing through Nissan so DO NOT include any rebates or special offers that are dependent on financing. He indicated that he understood and said he would call back after speaking to his sales manager. He called a few minutes later with a price quote of {$23000.00}. I asked for repeated confirmation that this was the car I was looking for, that the price includes all fees/taxes/registration/etc., and that he understood that I would absolutely NOT be financing through Nissan. HE thought my persistent need for confirmation to be amusing and assured me that he is honest, straightforward, and was not going to give me the runaround.

Low and behold, I arrive at XXXX XXXX a few hours later and it goes something like this : XXXX : Sorry, the price I gave you is only if you finance through Nissan. 
Me : XXXX I told you a thousand times that I would NOT be financing. 
XXXX : Yeah, I know, my bad. It will actually be {$1500.00} more if you're not financing. 

I understand that car salesmen have a reputation for being XXXX but this is getting into very deceptive territory. If you are and entity selling a product ( cars ) AND financing, and a customer calls asking for only the product, it is dishonest, deceptive, and outright XXXX to lure them in with a price that you know you will not sell for. I gave XXXX every opportunity and all the information he needed to give me an accurate price and he chose not to. It is possible to negotiate without being outright dishonest but it looks like this isn't a principle that Nissan holds its employees to.
Product: Credit card

An Item I purchased but never received and disputed with Discover and Discover closed the account in favor of the Merchant and reported it to the credit agencies, lowering me score, it turns out the merchant was honest and issued a refund which they verified and XXXX verified, XXXX 2015 a refund as issued due to lack of inventory, but on XXXX XXXX 2015, Discover notified me in writing the cased was closed in the Merchant 's favor, but clearly it was not. I believe the XXXX attachments below will help to clarify my concern.
Product: Credit card or prepaid card

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVERBANK with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received an alert on my credit report of a new XXXX collection, which i have never had XXXX XXXX I called XXXX and reported the fraudulent collection and opened a FTC report and submitted everything to XXXX and disputed it with all three credit bureaus, but yet somehow XXXX can not find the account or anything under my name. Yet the credit bureaus keep saying that it is accurate and verified. Can someone please explain this one to me?
Product: Student loan

I took out loans to go to college in XX/XX/XXXX. Originally these loans were through Sallie Mae, the first two loans were cosigned by my father as I was not legally an adult yet so those have the lowest interest rates. After I turned XXXX, the loans were solely under me and the interest rates doubled. The total amount I took out in loans was around $ XXXX with the interest that I now owe, the loan balance is over $ XXXX. The interest is literally crippling not to mention impossible to pay. When Sallie Mae went bankrupt in XX/XX/XXXX they turned the loans over to Navient who made them private student loans, it is my understanding that they were originally federally backed. Thid would have made them eligible for income based repayment, consolidation and forbearance now they are not eligible for any of those programs available. I pay $ XXXX/mo in student loan payments when I make XXXX a year and they refuse to work within my means. The amount of money that I pay to them every single month does not even touch the interest that continues to bear on each of the loans which are all individually accruing at different rates. It has destroyed my credit and I am literally working backwards, it seems like there is no way out of debt or even a possibility to make it a manageable payment. There has to be some sort of feasible solution to make the payments affordable and to improve my credit, I pay on them every month and I am basically throwing the money down the toilet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit plan as late for purpose. 


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

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need these accounts corrected or removed right away! 
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 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, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

Pursuant to 15 U.S. C. 1681n - Civil liability for willful noncompliance. This is a DEMAND FOR MONETARY RELIEF as prescribed by law for EXPERIAN violating the FCRA XXXXection 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy.

Firstly, and foremost, I am a consumer as defined under 15 USC 1681a ( c ). The term Consumer means an individual. 

I mailed a dispute via Certified U.S. Mail ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting that Experian DELETE two accounts from Experian consumer report due to FCRA violations. The Certified Mail Receipt shows that Experian received my dispute on XX/XX/XXXX. According to the FCRA Experian had 15 days to comply with 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ).

I have already disputed the two accounts several times in the past, so, therefore Experian does not get another 30 days to reinvestigate a previous dispute. 

According to the FCRA Experian was required to conduct a reasonable reinvestigation of the disputed information as I requested per U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA. ACDV form is not sufficient as per the above sited laws. 

On XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX ruled that CRAs can not only use ACDV forms to verify consumer disputes. The Court stated that ACDV forms are not deemed as a reasonable investigation as a matter of law. 

Experian has failed to meet its statutory obligations and is knowingly and willfully reporting false, inaccurate, incomplete, and misleading information on my consumer report. This has resulted in damage to my reputation, character, and credit worthiness. 

EXPERIAN has not conducted a proper reinvestigation of my disputes as mandated by the FCRA. EXPERIAN has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed information must be DELETED from my Experian consumer report within 5 days of receipt of this NOTICE. 

EXPERIAN is engaging in fraudulent, deceptive, and unfair business practices by violating my Consumer Rights, the FCRA, The Comprehensive Consumer Credit Reporting Reform Act of XXXX. 

Please DELETE the two disputed accounts immediately due to FCRA violations.
Product: Credit card or prepaid card

my belk reward card was closed I didn't close it
Product: Credit card or prepaid card

I was using my card ( XXXX XXXX XXXX ) on XX/XX/2019 for various purchases and at the end of the day overpaid my account to the point now where I have a credit balance of {$10000.00}, which is locked into my account because they closed off my access to the card and I have no means to use the card nor withdraw my money from it. 

I have called them multiple times in the last 2 months with the most recent being today ( XX/XX/2019 ) and all they say is my account is in pending process and they won't know when I will receive notice on my account/credit balance.
Product: Credit reporting or other personal consumer reports

I am reaching out for your help with the false account shown on my credit report. This situation has damaged my standing as a customer, and I ask that you remove these accounts, as they are improperly reported and causing harm.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of inaccurate information from my credit report. Upon reviewing my credit report, I have discovered several account that do not belong to me and appear to have been merged with another individual 's file. These errors are damaging my creditworthiness and have the potential to cause significant harm to my financial standing. 
I have contacted the banks associated with this erroneous account, and they have acknowledged the error. They have agreed to remove this account from their records to avoid legal action. I have also submitted the required FTC report to the Federal Trade Commission and have enclosed a copy for your reference. 

XXXXXXXX XXXX XXXX.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I sent written notification to Citibank via their electronic messaging system to close my XXXX XXXX XXXX credit card. I received confirmation the same day that the account was closed. I found out today, XXXX XXXX, XXXX, that the account is still open, recurring charges have been posting to it, and I was just charged the {$95.00} annual fee again. 

Some time between XXXX XXXX and today, the link for the messaging system has been removed and replaced with an " e-Communications '' link, and my previous notification is not visible. However, the previous messaging system and its contents are still available by linking directly to the site. This may be a simple oversight, or an intentional plan to deceive customers and continue to accrue charges and fees. 

I have contacted them again and am awaiting their reply.
Product: Student loan

I 'm   XXXX   XXXX   XXXX   for my  XXXX  degree and I have some loans that are subsidized from my  XXXX , so the interest should be paid while I 'm in school by the  US D epartment of Education. I pay the interest on unsubsidized portion of my loans so it wo n't be capitalized and added to my balance. The problem is, that when I make my payments there is no way for me to direct my payments just to my unsubsidized loans so my payments are directed to both my subsidized and unsubsidized loans and losing that benefit of interest being covered while I 'm in school. When I have called on several different occasions in  XXXX  and  XXXX    XXXX   to get a history of my payments and balances, I keep getting a the same answer, " We do n't have that '' just a history of payments that I have made. In a separate incident, I had a loan disperse on my graduate loan and paid a refund amount. When I asked for the a statement showing that refund payment, they again said " We do n't have that ''.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX with XXXX miles for {$5900.00} went through Credit Acceptance to {$12000.00}, transmission was slipping, constantly complained, after the loss of a patient I was transporting, I VOLUNTARILY SURRENDERED the vehicle on XX/XX/XXXX. I called Credit Acceptance and cancelled the contract, I thought was cancelled, having to go to court for {$2000.00} deposit which the dealer is refusing. Credit Acceptance claims they couldn't contact dealer for months, then to find out they wouldn't repo the vehicle on XX/XX/XXXX, because it wasn't worth it. My credit score as well as my son 's has dropped horribly. I need this loan voided and our credit restored. The dealer, XXXX said I could return the vehicle but my credit would definitely be affected and I could forget about getting my deposit. I contacted him weekly to see when the vehicle could come in for a check and he kept stalling. XXXX XXXX XXXX, XXXX, NJ
Product: Mortgage

XX/XX/XXXX I requested a another escrow analysis of my loan payment. I have recieved a new payment statement of {$1900.00} with an increased escrow monthly payment of $ XXXX. I spoke with XXXX and she was able to waive the $ XXXX " escrow reserve '' payment per my request. She advised me that I could pay the $ XXXX payment to be paid over 12 months for the escrow shortage, which added up to $ XXXX to remove from monthly payment sum. So, I made electronic payment of {$1700.00} toward escrow the same day to have this removed from my monthly payments. In addition, I notified her that I had applied for my county tax exemption and it was adjusted in a reduction of {$940.00}, which should reduce my monthly payments as well. I submitted the letter to them via PennyMac message center. I recieved emails stating that it was under review on the dates of XX/XX/XXXX and XX/XX/XXXX and should get a response and note an adjustment in premium within 14 business days. 

I have submitted two additional emails on yesterday to follow up as another payment of {$1900.00} is due. Please note, despite my above payments I paid {$1900.00} for XXXX to allow time for review and adjustments and now today is XX/XX/XXXX and PennyMac is still requesting a payment of {$1900.00}. This continuation of this payment is cause for financial hardship for me and they show their indifference in acknowledging my repeated calls and emails. 

I did call on XX/XX/XXXX after being on hold for nearly XXXX minutes, I spoke with XXXX, who said she would resolve it and put me on hold only to disconnect the call ; and no one called me back to resolve it or responded to my emails from yesterday. 

I have attached all the emails and the tax form for your review and a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a past due charge off with Midwest Acceptance that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XXXX XXXX, XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, Midwest Acceptance is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XXXX/XXXX/XXXX even though the account has been charged off.
Product: Debt collection

I called KOALAFI- XXXX and told them the charge is not mine. They asked for my Social Security number and I told them I would not give it to them. This lease is not mine. I will try to call West Creek Financial XXXX at XXXX again. This ; lease is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report on XX/XX/XXXX and XX/XX/XXXX noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute a correcting my names on all 3 credit bureaus. I asked them to remove all these aliases off my report because it is damaging and unfair. And has not been fixed.