23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 2 separate disputes in regards to inaccurate reporting accounts and have not received any results in regards to either investigation.
Product: Student loan

To whom it may concern I am writing in reference to what I feel are unfair lending practices with Earnest LLC Operation Company. In the wake the financial difficulty in relation to the COVID 19 pandemic, companies should not be allowed to create financial hardship for those who are already struggling finically On XX/XX/XXXX I received an approval to refinance a XXXX  loan that is in my ex-husbands name Prior to this approval, I never indicated that I was the primary borrower of loan, at the request of the companies representative provided the divorce decree as proof that although I was not the original borrower, I was legally responsible for repaying the loan and in no way misrepresented myself After reviewing the information provided the company extended a loan offer on XX/XX/2020 which I reviewed and signed in XX/XX/2020 The company is refusing honor the loan agreement post-approval because I am not the primary borrower I have spoken with several representatives with the company without success. I contend that if the situation has been reversed, this company would have consider this a legal and binding agreement
Product: Credit reporting or other personal consumer reports

Lexington law firm took money from my bank account without my permission. I requested a refund and they refused.Lexington Law Firm Inbox XXXX Log In Dear XXXX, Thank you for contacting Lexington Law Firm. Your account was reinstated on XX/XX/XXXX, since a payment was made on XX/XX/XXXX. If you would Mon, XX/XX/XXXX, XXXX XXXX Log In Dear XXXX XXXX Recent changes require us to have you provide us with your XXXX credit report. XXXX is the official site to get your fre Mon, XX/XX/XXXX, XXXX XXXX Log In Dear XXXX , Thank you for contacting Lexington Law Firm. While reviewing your case, we noticed that you have not yet completed your Case Setup.? Completi Mon, XX/XX/XXXX, XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX to clientservices My case file was canceled by your company on XX/XX/XXXX ; nevertheless, your company, without my request or authentication, took over $ XXXX from my account. Your unauthorized action took part of my rent money which triggered an eviction notice for me. You had nit my authorization to confiscate my funds. Please return my $ XXXX to my account immediately. 


On Mon, XX/XX/XXXX, XXXX XXXX wrote : Lexington Law Log In Dear XXXX , Thank you for contacting Lexington Law Firm. While reviewing your case, we noticed that you have not yet completed your Case Setup.? Completing this allows you to specify the manner in which we should address the individual items on your credit reports. We are unable to send out any communications until this has been completed. To complete this process, please follow these steps : 1. Log into your client site : https : //access.lexingtonlaw.com 2. From the buttons at the top of the screen, select? Case Details? and choose? Case Setup? from the dropdown menu.

3. Follow the prompts presented on the screen to help us understand what happened and how you would like to address each negative tradeline.

4. Complete this process until all negative tradelines listed have a green checkmark next to them. 


NOTE : As an added benefit, if you have a negative item that you? d like to receive priority, scroll down to the? Set Priority? portion of the screen to select up to three items for priority attention. 


Your satisfaction is important to us, and we wish to take every step possible to meet your expectations. If you have any questions or concerns, please feel free to contact us by email or chat. In order to better assist you, please have your case number ready. Your case number is : XXXX. 


https : //access.lexingtonlaw.com/content/client/us/en/help.html Sincerely, Lexington Law Firm
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I have been mailing letters, calling and emailing and have not received a response. I spoke with a representative in XXXX regarding a settlement letter I received for my account and settled my account with her that day. The amount was {$1500.00}, on XX/XX/XXXX. 

( XXXX ext XXXX XXXX XXXX ) It is now XXXX and not only is my credit report not updated to show as settled with no balance due, but XXXX is also stating that they have no knowledge of this because Syncom has not notified them. I spoke with Syncom ( the debt collector ) in XXXX and the lady stated it is showing as settled and sometimes it takes time and if it was not showing by XX/XX/XXXX, to do a dispute with XXXX. 
I do not like that I was lied to and possibly stolen from. Why would the representative state that the account was settled in full, and simply take my money and never report it as settled. I would not have randomly paid {$1500.00} to just deduct from the balance on my credit report.
Product: Credit card or prepaid card

I have applied for the XXXX Credit card on my XXXX through the XXXX app and have been denied both times because my " identity can not be verified ''. I am using a California Real ID which has XXXX  HSA requirements to verify I am who I am. 
My Real ID has a PO box and Goldman Sachs will not accept a PO box but does not provide an additional physical address box when applying. I live in a rural area that doesn't not deliver to my physical address which is why all my IDs have PO boxes -- it is the only way I can receive my mail. 
I tried calling the XXXX Support and all they say is that a physical address is needed but my ID only has a PO box . Endless circle to nowhere. 
My only other Credit Card has an available limit of over 20K so I think I have sufficient good credit history ... 
Goldman Sachs and XXXX need to fix this problem.
Product: Payday loan

I was told that I would be charged a one time fee. The fee is {$230.00}, and they 've broken it down as follows after logging into their website : 2Sign Loan Agreement CONSUMER LOAN AND ARBITRATION AGREEMENT Lender : XXXX XXXX XXXX, XXXX, d/b/a Rushmore Financial ( referred hereinafter as " Rushmore '' ) Mailing Address : XXXX. XXXX XXXX XXXX, SD XXXX Telephone : ( XXXX ) XXXX Fax Number : ( XXXX ) XXXX XXXXXXXXXXXX Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Borrower 's Bank : XXXX XXXX XXXX XXXX XXXX Account : XXXX Loan Number : XXXX In this Consumer Loan and Arbitration Agreement ( the " Agreement '' ), " you '' and " your '' refer to the Borrower identified above. " We, '' " our, '' " us '' and " Lender '' refer to Rushmore, an arm of the XXXX XXXX XXXX of South Dakota, a federally recognized XXXX tribe. " Loan '' means this consumer installment loan. 

-TRUTH IN LENDING DISCLOSURES : The disclosures below are provided to you so that you may compare the cost of this loan to other loan products you might obtain in the United States XXXX Our inclusion of these disclosures does not mean that we or any subsequent holder of the Agreement consent to application of state or federal to us, the Loan or this Agreement. The table below details the maximum payments and costs to the extent periodic payments are made for the full cycle of the loan which can be reduced upon early payment of the Loan. 
TRUTH IN LENDING DISCLOSURE ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
669.1667 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$3200.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$700.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 

{$3900.00} Your payment schedule will be : Date Amount XXXX/XXXX/XXXX {$110.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$260.00} XXXX/XXXX/XXXX {$250.00} XXXX/XXXX/XXXX {$240.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$210.00} XXXX/XXXX/XXXX {$200.00} XXXX/XXXX/XXXX {$190.00} XXXX/XXXX/XXXX {$180.00} XXXX/XXXX/XXXX {$170.00} XXXX/XXXX/XXXX {$160.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$130.00} XXXX/XXXX/XXXX {$120.00} XXXX/XXXX/XXXX {$110.00} XXXX/XXXX/XXXX {$100.00} XXXX/XXXX/XXXX {$92.00} XXXX/XXXX/XXXX {$81.00} XXXX/XXXX/XXXX {$69.00} XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$46.00} They only posted this information after my loan was issued.
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX was listed as a collection on my credit report for the amount of {$5500.00}. I did not receive any notification of this debt before posted to my credit. I disputed this debt with all 3 credit bureaus and was notified that the debt was verified. In XXXX I recieved a bill from XXXX XXXX XXXX for this same debt. Tried to speak with persolve legal group about the debt and was notified that they no longer have this debt. So I asked for validation of this debt from the credit bureaus and recieved a reaponse from XXXX XXXX XXXX. I contacted them once again and they told me again that they no longer have this account and that I would need to contact XXXX XXXX   XXXX which is who is listed on my credit reports. XXXX XXXX XXXX  does not have a working number. The address is not valid. I researched the company and found no way of contacting them. Asked persolve legal group for a working number or address for the company and they do not have either. This debt is on my credit and I have no way of resolving it or removing it. The credit bureaus are not doing there job as far as the verification process and validation of this debt.
Product: Debt collection

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 
Please see this account is removed from my file at once. 
XXXX XXXXXXXX XXXX XXXX Reference Number : XXXX PLEASE DELETE!!! 
If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed.
Product: Debt collection

I leased my XXXX XXXX in California in XX/XX/XXXX. In XX/XX/XXXX I moved to texas and decided to buy out my lease on that date. I went to XXXX XXXX to pay for registration and pay for sale tax because this is personal use vehicle. I dont have business and this is my personal use. I just got 4 mails from XXXX  financial services stated that I own them personal property tax for my lease in XXXX. I already purchased this car in XX/XX/XXXX. They should take off my vehicle Vin number out of their inventory list so XXXX XXXX dont have to send bill to them. I went to XXXX XXXX regarding about this matter and they said nothing to do with me, XXXX XXXX sent tax bills to XXXX because the vehicle still on their inventory. I tried to reach XXXX from their support website and no one reply back to me and try to solve this problem. I got bills again and said I have 10 days left to pay them. This is harassment and it is not about money, I dont like to pay for their mistakes and now will lead to send me to collections for the debts I dont own. Bad business and seem like no one help. Please help me thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I detected an unauthorized credit card inquiry on my credit with Lowes/Synchrony Bank. The inquiry was on my report from a while because I have checked my report. 
I did contact Synchrony Bank by phone and was told that it was possibly an error. I do not have an account with Lowe 's nor did I apply. I was told to submit an dispute letter and it will be removed. I submitted the dispute by mail and received an letter back saying that the information was accurate.I do not own a home, nor do I shop any Lowes or any other hardware or home improvement store. 

I called XX/XX/2019 back when I received the letter and I talked to a customer service representative named XXXX, with Synchrony Bank. XXXX looked into the matter while I was on the phone. She placed me on hold for a while, when she returned, she stated she was removing the account from all three credit bureaus and it should be removed in 30 days. It has been over 65 and the unauthorized inquiry is still on my credit report and is causing damage to my score. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Synchrony Bank are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX XXXX I was on a XXXX page for a music concert called XXXX XXXX looking to purchase tickets. A profile named XXXX XXXX XXXX was offering to sell 3 tickets. I messaged her and we agreed to make a transaction of {$150.00} for the tickets. She instructed me to PayPal her the money to her account attached to the email XXXX. I sent her the money and a screenshot of the completed payment, then she proceeded to give a very unclear explanation of why she was unable to access the payment, and then claimed that she refunded me the {$150.00} but that it would take three days to get back to me. I asked to see proof of the refund, and she sent back a very ambiguos screenshot of a refund ( but was completely unspecific to our transaction ). I asked to see a screenshot that proved that the refund was going to me ( because I received no notification that I was refunded ) and she refused stating that she was using a PC and couldnt take another screenshot. She told me to pay her again at a different email so the payment would work, and then she would send the tickets. I sent her only half the money, as we agreed this time, and promised to send the other half once I received the tickets. I sent her {$75.00} to an account attached to the email XXXX, which she said belonged to her cousin. Once again I did not receive the tickets and she has no ceased communication with me.
Product: Checking or savings account

I am writing to express my dissatisfaction with the handling of a recent dispute regarding unauthorized transactions on my Chase account. On XX/XX/2024, I received a notification regarding an XXXX transaction I did not authorize. I also received a fraud alert notice email from Chase stating they declined a transaction from XXXX XXXX XXXX XXXX for {$7.00}. 
Immediately, I contacted Chase customer service to report this fraudulent activity. A representative promptly assisted me in canceling my debit card and assured me that a new card would be issued. Furthermore, the representative assured me that the funds in question would be refunded pending investigation. 

However, on XX/XX/2024, I received correspondence from Chase indicating that they had concluded the transaction was processed by the information provided or was authorized. Consequently, they proceeded to deduct {$27.00} from my account. This decision was made despite my explicit denial of authorization for the transaction and my prompt reporting of the issue. 

Upon contacting the claims team to dispute this decision, I was disheartened to encounter resistance and skepticism regarding my claim. Despite reiterating that I did not authorize the transactions and that they were not associated with my XXXX account, I was met with skepticism. The claims representative cited my prior use of XXXX as evidence of authorization, disregarding my explicit denial. 

Furthermore, the suggestion that I could have prevented this situation by reporting my card as lost is deeply troubling. I had no reason to believe my card was compromised until this unauthorized transaction occurred. The implication that I am somehow at fault for not preemptively reporting my card as lost is unjust and lacks consideration of the circumstances. 

Moreover, the claim that XXXXXXXX XXXXcanned the PIN does not absolve Chase of responsibility. It is evident that my card information was compromised, possibly through unauthorized means, and used fraudulently. Despite having my card in my possession, I reiterate that it is entirely plausible for someone to obtain card information through various means, or online breaches.

In light of these circumstances, I urge Chase to reconsider their decision and to provide appropriate restitution for the unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a credit card with Bank Of America, it was in delinquent which the company worked with me to pay the credit card and all fees in full. The agreement was to pay Bank of American in installments once paid the negative trade line will be removed from my credit report. I paid it off XX/XX/XXXX. Bank of America change Status to Closed Never remove the Negative trade line. Ive called Bank of America XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX every time I ask them to remove the negative trade line every department has stated its already been Removed and updated. That 's not true I just pulled my credit report on XX/XX/XXXX and its still effecting my credit. I just wish Bank of American hold up to what I was promised which was to delete the Trade Line.
Product: Mortgage

I learned that when I first received my loan I was called a week after and told by the agent that he was sorry that he put me in a bad loan and after 6-8 months I should refinance my loan as quick as possible. With all of that said and the attorney that I was working with also said it after the fact that it was n't any good. I have been trying to get a modification on my loan for the longest. I have went to several different people that said they could help me withe modification but only took my money and did nothing. I have also went to attorneys to seek legal help and they too only took my money. I have been seeking help for some time and every time some one tells me that the bank is going to give you the modification they turn it over to another server.My loan has been turned over to about XXXX different servers that at one point has said yes and then given it to another server to say no. 
And from my understanding no one is supposed to be paying for a loan modification but yet I have been paying thru the nose. The attorney that I have now has put me in a chapter XXXX and I have been paying the trustee and was paying good faith payments and the attorney said that I have a modification, only to find out a week later that it was turned over to another server and they said no that they will not give me the modification. He then told me that maybe I was XXXX XXXX and the banks can do whatever they wanted to do! On top of the trustee paying him {$18000.00} to do a loan modification. I really need someone to help me with this. How is it that the trustee is paying him all of this money to get a modification? Plus they want me to pay them XXXX for when I stop paying when they transferred the loan to the other server and {$14000.00} for the taxes that are due right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have these places, things, and address that I've never lived, credited, or worked. Phone numbers I never had Things never Applied for : XXXX XXXX/ XXXX XXXX/XXXX XXXX XXXX XXXX Virtuoso Sourcing Group Tribute Address never lived : XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX , XXXX  MN XXXX XXXX XXXX , XXXX  MN XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX , XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX , GA XXXX Telephone number never Had : XXXX XXXX XXXX XXXX Last name changed to XXXX ( maiden ) 2011 So would like to file a Dispute Please!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 my bank XXXX XXXX that I had my Auto loan through accidentally hit my credit with a missed payment. The bank admitted it was a mistake multiple times when I approached them about the situation. Both the XXXX branch and the XXXX XXXX XXXX have requested Equifax to remove the missed payment multiple times with no response has to why it hasn't been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AKA XXXX XXXX XXXX FOR A YEAR NOW HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I ASKED FOR LICENSE NUMBER STATE RIGHTS FOR CLAIMING IN MY STATE. I ALSO WANTED VALIDATION OF THE DEBT REPORTING IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANYTHING FROM COMPANY. THIS SAME DEBT CONTINUES TO BE REMOVED AND ADDED BACK OR REPORTING AGENCIES NAME CHANGE