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

Hi CFPB, I am writing to dispute a transaction of XXXX USD posted by XXXX-XXXX XXXX. This transaction was originally charged on my Chase XXXX credit card account ( ending in XXXX ) on XX/XX/2019. 

This transaction is associated with a rental car service that I booked through XXXX on XX/XX/2019 for my parents vacation in XXXX. The rental car was booked for XXXX USD ( XXXX ISK ) including taxes and fees. However, the staffs asked for the credit card ( my parents and I share the same credit account ) and charged a XXXX USD ( XXXX ISK ) premium CDW ( see receipt on page 3 ) without my parents permission. Because CDW is not mandatory for rental car in XXXX and my XXXX credit card does cover CDW, my parents refused to sign the receipt and requested for a full refund. 

This rental car reservation is a refundable reservation. My parents and I can cancel the reservation at any time before pick-up. XXXX agreed that they would refund the full amount of charge ( XXXX USD ) to my credit card in four business days ; however, they failed to keep their promise. I have been contacting both XXXX and XXXX since XX/XX/2019 to try to resolve this issue, but unfortunately, no progress has been made. 

Initially, I filed a fraud case on this charge with Chase in XXXX. Nevertheless, Chase rejected my claim in XXXX and asked me to file it as a dispute case. I have been providing all required document in a timely manner and following up with Chase since XXXX but the bank failed to solve the problem. Today, when I called Chase once again, they told me they were not able to process any refund after the transaction is posted after two months. 

Thanks for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two complaints against Carrington Mortgage Services , LLC . The first and most pressing issue has to do with my city taxes, I received a letter from my city that the city taxes was not paid and if not received by XX/XX/XXXX there will be additional interest and possible garnishment, or attachment procedures may begin. I have spoken to 7 different representatives at CMS on XX/XX/XXXX and they still are not capable of resolving this URGENT matter. They receive my mortgage payments every month without issues. I need an entity that has TEETH when dealing with these institutions, the XXXX  is not the appropriate organization to deal with these matters. 
My second issue deals with mortgage assistance during the pandemic that I never used but made an inquiry into, I received a notification on my credit that I missed two payments XXXX and XX/XX/XXXX. When I contacted CMS once again, they did not have any answers for me. It seems CMS do whatever they please and are never held accountable for their actions that can have serious consequences with their customers. 
I have attached the late tax letter I received, and I started my conversations with CMS on XX/XX/XXXX and nothing has been done and they do not have an interest in resolving this issue, because in their mind, they mailed a check, and they are done with the investigation.
Product: Checking or savings account

On XX/XX/year>, around XXXX XXXX., I had an appointment with XXXX XXXX at Chase to open a personal checking account for myself and my XXXX children. Another banker assisted me and asked for VA letters as proof for the accounts. After contacting the VA, I was informed such proof was unnecessary. The banker appeared flustered, and I requested to speak with the store manager XXXX XXXX, explaining the situation and my frustration. I later returned with the requested documents, but the store manager refused to do business with me so I left. 
On XX/XX/XXXX, I received a fraud alert and was informed that my account was shut down for enhancing security. Chase stated that they sent me a letter notifying me that they were shutting down my account a month ago. I looked in the letters and statements. I never received it and theres no history of it. However, when I visited the branch, I was told the closure was due to a prior confrontation. Chase is refusing to release my funds. Chase is saying theyre gon na give me a check within a few weeks, but nothing has a date on it and when I asked what makes my business account fraudulent, they can not give me an answer.
Product: Debt collection

fifth third is contacting collection companies to harass me. I know nothing anything about any outstanding debt to fifth third.
Product: Checking or savings account

Pre XXXX my emails and financial accounts were hacked. Money spent, accounts made, debts caused. Thought it was closed. Learned today multiple accounts made and charged / identity theft still occurring as of XX/XX/XXXX, PayPal refuses to send records police said they can't call or help
Product: Credit card

On XXXX XXXX I logged on to the Citi website ( citicards.com ) and saw an offer for the XXXX XXXX card stating new cards would earn a reward of XXXX aadvantage miles for {$0.00} spend. This was way better than the typical offer for the card so I applied. On the application page the offer was again stated as XXXX aadvantage miles for {$0.00} spend after opening the card. I would not have signed up for the card if that was not offered. 

I was subsequently approved for the card, and upon receipt of the new card, it came with an offer letter stating that I would only receive the XXXX miles after I spent {$5000.00} on the card within the first three months of opening the account. 

I have contacted Citi numerous times. On XXXX XXXX I faxed them copies of screen captures of the Citi website clearly stating the offer, and have received nothing but misdirection and stalling with no confirmation that they are working to fix the issue. 

All I want is for Citi to honor the offer that was publicly displayed on their website.
Product: Mortgage

The mortgage processing department at Dovenmuehle Mortgage , Inc. has regularly sent my insurance payment to the wrong address and refused to update to the correct address. This first occurred in XXXX and again in XXXX requiring the company to send another check to the correct address making my escrow account appear to be at a negative balance. In XXXX this was handled internally to their company, which was ok. From the XX/XX/XXXX incident it wasn't quite as easy since my new account had a negative ~ {$4000.00} balance. 

Dovenmuehle Mortgage , Inc has lied to me on several occasions stating the insurance company cashed both checks ( they did not, which they later admitted in another phone call ), stated the refund would come directly to me ( it will not and the check was never made ), they lied multiple times about the check being sent to the new processor but can not provide any proof that happened and the new processor has not received the check. 

The company has also failed to give me a contact that can help, instead the only option is to call their call center ( and I can not talk to anyone in the accounting department ) and explain the situation all over again multiple times a month where I am consistently lied to and my issue is not resolved. Multiple time i have been promised they will send a letter showing " proof '' the check was sent but they have been unable to actually fulfil that promise. Dovenmuehle Mortgage, Inc owes me almost {$4000.00} which I know might not be much for them but that is a large impact to me. 

Finally, I know I have been frustrated while talking to these customer support personnel but they have been especially rude and unhelpful. The supervisors are in particular the worst offenders, answering the phone already annoyed. I can not get these supervisors to call me back, they will not give out email addresses and finally I have started emailing the CEO asking for help but he will also not respond. This has been a terrible experience and no one within that company is interested in fixing their mistake.
Product: Debt collection

This company appeared on my credit report with zero information about the debt. They never sent me any notices or letters about this debt. I disputed it on XX/XX/year> and to this day they still havent responded once.
Product: Credit card or prepaid card

I disputed a total of 7 charges on my account that I did not authorize and I received no services for. My dispute with US bank was denied as they said the merchant provided the 3 digit code on back and my phone number " proving I authorized the charges '' ( I DID NOT ) The seven charges were for {$170.00} each from a XXXX XXXX # Here they are per my US Bank statement. 

XX/XX/XXXX {$170.00} Charged XXXX XXXX XX/XX/XXXX {$170.00} Charged XXXX XXXX XX/XX/XXXX {$170.00} Charged XXXX XXXX XXXX  XX/XX/XXXX {$170.00} Charged XXXX XXXX XXXX XX/XX/XXXX {$170.00} Charged XXXX XXXX XXXX XX/XX/XXXX {$170.00} Charged XXXX XXXX XXXX XX/XX/XXXX {$170.00} Charged XXXX XXXX XXXX I received no services from this what appears to be medical facility. On-line XXXX reviews show that the same thing is happening to other individuals. 

The dispute department treated me very rudely, did not believe what I told them, and would not consider any new information. 

I repeat I did not receive any services from this company and did not authorize the charges. 

I spoke with a supervisor named XXXX at US Bank who was the rudest of all. Very unprofessional and would not even consider other information. 

When googling XXXX it takes you to the following website with these similar complaints. 

XXXX Most relevant Newest Highest Lowest XXXX XXXX XXXX XXXX XXXX XXXX photos XXXX hours agoNEW-Edit unauthorized credit card charges over {$1000.00}. Did not receive any services. Phone number does not work. XXXX  XXXX XXXX XXXX XXXX XXXX review 2 months ago I had XXXX phone consultation with a nurse over XXXX years ago, and paid for the consultation on the spot. They continue to charge my card, several XXXX dollars at this point. My calls to the clinic are never answered - no voicemail More XXXX XXXX XXXX XXXX XXXX XXXX reviews 2 months ago Used to XXXX XXXX XXXX. I saw him for over 10 years. About a year ago office stopped answering the phone. Then I have since unexpectedly received XXXX ( yes XXXX!!! ) charges for {$150.00} each on my debit card. I last had a televisit in XX/XX/XXXX which More XXXX XXXX XXXX XXXX XXXX XXXX reviews 3 months ago Its been over a month that I paid for my visit, met with XXXX XXXX and he has not filled my prescriptions yet. I received a text from XXXX XXXX confirming where they were supposed to go, and what the meds were. That was after XXXX weeks More XXXX XXXX XXXX XXXX XXXX XXXX reviews 3 months ago These guys keep charging my credit card when I have not had an appointment! They dont answer the phone or call me back! This is not right! I called my bank to reverse the payment and all that happened was they charged it again! 
XXXX XXXX XXXX XXXX XXXX XXXX reviews 10 months ago These guys charged my card {$150.00}. Tried calling them but all I get is a busy signal. I was a patient 3 years ago. Haven't done anything with them since. Can't get a hold of them and now I'm out {$150.00}. This is just not right. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Consumer Loan

I have an auto loan through Lobel financial. I am being charged $ XXXX monthly because I have not furnished proof of full coverage insurance. In my attempt to pay off the car early with XXXXon the left, Lobel is trying to charge me the {$60.00} in advance of the payments remaining. I obtained a copy of the waiver I signed and nowhere in it does it say I had to pay in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX & XXXX violated my rights as a consumer in XXXX XXXX XXXX and refuses to exclude all information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my repeated requests to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 days and can not verify this account, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, Equifax is required to " DELETE all information that can not be verified. '' Please make them do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX approximately XXXX XXXX XXXX, I activated my XXXX debit card with XXXX dollars in the balance. My mother sent me XXXX XXXX  of cash through XXXX. The transaction was processed for around XXXX hours. Around XXXX XXXX ( XX/XX/year> ), my account was flagged due to suspicious activity and was closed. I called the bank and they said they couldnt reactivate and ended all relationships with me, so I went to my local Chase bank. Once again, it was the same response and they couldnt do anything. I can also verify the XXXX transaction since I have the receipt of the transaction.
Product: Credit reporting or other personal consumer reports

XXXX has put inaccurate Fraudulent information on XXXX, Experian XXXX credit reports and have not removed them after I disputed them countless times I never agreed to pay them anything I never opened up an account with them and I never used their account that's posted on my reports They have websites that track or store or share way too much of our information without our consent or knowledge and don't have a way for US to have more control so no they are asking way too much and then they have Data Breach lawsuit and have been accused of posting inaccurate incomplete or Fraudulent accounts on people 's credit reports I won't them to STOP and Remove Themselves from my credit report not to post on my credit reports any more Just because these Data Bases share Our Social Security Numbers or Names and Address with each other or sell it without our consent or knowledge it doesn't mean We should have to suffer with the rejection these post cause us to end up with for rent Mortgage and what ever
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX through XX/XX/2019 numerous creditors pulled credit report without written consent.
Product: Debt collection

I have a medical debt that was referred to Midwest Service Bureau. Per my request, I had my son contact the doctor to advise it would be paid on or before XX/XX/XXXX, as the debt is disputed and if my insurance did not pay more, I would take care of the bill on or before the XXXX of XXXX. 

I had my son attempt to contact Midwest Service Bureau on XX/XX/XXXX after he spoke to the original creditor and came to an arrangement with them. Even though I was still within my 30 day validation period I was coerced by Midwest Service Bureau because of their policy that they sue all former employees and relatives of former employees. 

My son contacted Midwest Service Bureau and spoke with XXXX XXXX and XXXX XXXX and attempted to tell them that the account was disputed that they did not have to give him any information but in align with the XXXX decision, he simply wanted to vocalize the dispute and offered to tell them on voicemail. As he was telling XXXX XXXX this, she hung up on him a clear violation both of the XXXX decision. 

If it were not for this coercive policy of taking all relatives of former employees to court that took away might rights guaranteed under both FDCPA and the Kansas Consumer Protection Act, I would not feel so pressured to come up with this money. I have come up with an agreement with the holder of the account, but it does not excuse the abusive collection tactics employed by Midwest Service Bureau and its agents. 

Further, the fact that I am being coerced into paying this due to my son 's being a former employee shows that there was a clear conflict of interest in this case. When the account was turned to Midwest Service Bureau they should have sent it back because of the conflict of interest instead of engaging in the coercive and discriminatory techniques that they regularly engage in.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth.

A recent utility bill to verify my current address.

A copy of my Social Security card to confirm my SSN.

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency

: 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 2. Update my credit profile to reflect the correct information as listed above. 3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

To Whom it May Concern : I am writing this letter because I would like to make a complaint against TransUnion LLC. I am trying to determine who verified a bankruptcy on my credit report to TransUnion on XX/XX/2020 and asked them 4 questions : 1. The original creditor 2. The address and telephone number of the person/company that verified this bankruptcy 3. The person 's name they verified the information with 4. The documentation that was used to verify this information. 

TransUnion responded and basically told me that the investigation results and disputed items were verified as accurate. I made it very clear in my first letter to TransUnion LLC that I was not disputing the bankruptcy. I wanted to know WHO they verified this information with and WHEN. WHAT AGENCY reported this to them! They basically told me to contact the bankruptcy court and ask them. 

On XXXX XXXX, 2020, I sent TransUnion another letter stating thank you for the results but this is no where near what I was asking for. I repeated my request, made it known I WAS NOT disputing the information and asked AGAIN who they spoke with and when, and what company or agency did they verify this information with. TransUnion LLC responded back to me on XXXX XXXX, 2020, and provided the same letter to me that was not answering the question.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD complaint filed against XXXX XXXX about an XXXX  XXXX Bankruptcy XXXX. I have contacted the XXXX in XXXX, La on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that stated that they were never contacted by XXXX XXXX. Based on the findings of their investigation which states they verified with the courts can NOT be true. I asked for written verification of this Bankruptcy and I was only sent a copy of my credit report therefore this claim is not verified and should be removed from my credit report. I have called and disputed this reporting as well as mailed in letters and I was not giving proper verification. This is what my letter stated : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I was not provided that information please see that this request is reported correctly. Thank You.
Product: Mortgage

I called PHH mortgage to request my pay off on XX/XX/2019. I have since then called about 7 times with no resolution. My title company has called as well and i have spoken to a manager. Until this day we have yet to receive a pay off and it has past Seven business days. notice of error ). ( 12 C.F.R. 1026.35. ) This has caused me a financial hardship and about to loose the sale of my home due to the lengthy waiting period. I need your help in resolving this issue please.
Product: Checking or savings account

So someone got a hold to my card while I was in ANOTHER STATE ( XX/XX/2019XX/XX/) and stole {$3500.00} from me using my Navy Federal Red Debit Card XXXX They are the ones who told me that someone had logged into my mobile banking from a FRAUDULENT KNOWN DEVICE. And they even gave me new account numbers and had my change my user name and password. After all of that, the bank REFUSES to give me my money back. I asked for a second review they still wont give the money back. I told them that if they needed me to I would go to the merchants that were listed, and ask for video footage. They still dont care they want me to appeal their decision.
Product: Credit reporting or other personal consumer reports

i sent XXXX, experian and XXXX a letter letting them know that the accounts they are reporting are inaccurate closed and past the statue of limitations and to send me a copy and validate the debts can you please help i dont know what else to do