23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My mother got a refund from an XXXX in XXXX, 2023 on her American Express account. In XXXX, 2023 she had a XXXX and went into a XXXX XXXX On XX/XX/ I helped her write a letter requesting to close her account and send her a check for the refund of {$1500.00}. I am the Power of Attorney and Executor of her Estate. They mailed the check to the wrong address and we requested them to resend it and they refused saying they had closed the account and it now has a XXXX balance. Just a complete SCAM!!!!! My mother XXXX XXXXXX/XX/2023 and I am the Executor of her Estate and have called AMEX 9 times trying to get this refund. They agreed that there is a {$1500.00} credit balance and they say they are mailing a check. This has gone on for 9 months and every week they say it is in the process and I should have the check by the end of that week and it never happens. They appear to be trying to keep the money and hope I go away. They should be ashamed of themselves trying to steal my XXXX year old mom 's money which is now a part of her Estate. I have mailed them her Death Certificate and Letter of Testamentary and they refuse to mail the check.
Product: Checking or savings account

I made purchases through my Bank of America account. Claim number is XXXX and XXXX Ive been having the claim open since XX/XX/2023 and XX/XX/XXXX. I order clothes and shoes didnt receive my order. I try to dispute transactions online and was having technical difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name isXXXX  XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 sent investigation request and didn't receive any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate. Please read below. According to the FCRA, negative information in my credit file is subjected to a thorough investigation. Again, this information has not been verified to be true. 

In a previous complaint I disputed account XXXX which was a XXXX XXXX account financed through XXXX XXXX. I apologize for getting the account information incorrect. This account was paid and settled as the manager adjusted the price for the furniture like I said in previous statements.

However, the problem is with the account XXXX with XXXX XXXX XXXX financed through XXXX XXXX. This information is completely incorrect. I have asked the 3 credit reporting agencies to look into this matter and re-investigate and they have not. For some reason they keep sending me a credit card statement in the mail, however, they have not been able to provide substantial evidence that these purchases were made by me. Where is the original invoice with the items listed? I have no idea what was even purchased. I have yet to be provided with any supporting documentation that shows my signature or a promise to pay agreement with XXXX or XXXX XXXX XXXX. It is very discerning that XXXX would be allowed to report incorrect information to the 3 reporting credit agencies and sell it to a collection agency. 

In 2017, XXXX actually investigated and found this account to be incorrect and deleted from my credit report. Attached you will find a letter supporting this. Moreover, XXXX has not removed this account from my report. I am truly distraught by this negative information and the impact it is having on my credit file.
Product: Credit reporting

The account was mistakenly sent to XXXX for outside collection after we had a payment agreement with the original creditor. We called in XX/XX/XXXX to make the final payment only to be told that the account was know longer with them so they were unable to accept our payment. We were told to contact XXXX and make the payment there. We called XXXX immediately at that time and were told that the account had not been transfered to them as of that time and that we would have to wait until they had the account in house before they could accept the payment. It was n't until XX/XX/XXXX that the account had arrived to XXXX so they could accept payment. On XXXX XXXX XXXX we made the final payment on the account. At that point the account was paid in full, the issue was closed and nothing was ever supposed to report to credit. Now a full year and 2 months later XX/XX/XXXX XXXX is incorrectly reporting a open collection on this same account that has already been paid to all XXXX credit bureaus. I have called them and there response is that they are not and have never reported this account to credit. They state that it is each of the credit bureaus that is reporting this not them. This issue has caused my fico to drop XXXX points creating an extreme hardship for me and has damaged me financially. This is illegal, wrong and the account needs to be deleted from my credit report as soon as possible. All supporting documentation is attached for your review and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified ITEMS listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX Balance Owed XXXX {$15000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$9600.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$3500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the incorrect information regarding the amount of {$27000.00} on the year of XXXX, {$1900.00} that reported in XXXX, {$3300.00} also on XXXX, {$2600.00} in XXXX, {$1600.00} in XXXX, {$1100.00} in XXXX, {$9900.00} in XXXX, {$4000.00} in XXXX, {$5200.00} in XXXX, {$9500.00} in XXXX all of which are incorrect, have been reaged or duplicated. The XXXX credit bureau 's have also failed to respond within 30 days of my disputes in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to get my personal info corrected on  XXXX / XXXX /  XXXX   and  XXXX   XXXX  and have also called all   XXXX   of them on. Several occasions to get my personal information updated and inquiry 's removed. I keep getting the run around and they continue to report addresses that are not valid, work history that is invalid and continue to have more than  one  name associated with my account. Several of the inquiry 's are not valid and they tell me to call creditor ... .I sent creditors certified mail and they tell me they can not remove they credit bureau has to do it ... ..I am exhausted with the effort of trying to correct my reports from all   XXXX   major bureaus to no availe
Product: Checking or savings account

You I have an account with Money Lion bank. I deposit {$1500.00} with them this last Friday XXXX. I withdrew XXXX Dollars of that money shortly after that on the same day. Immediately following My withdrawal they, Money Lion, suspended my account saying this was suspicious activity and suspected it to be fraudulent activity. I can appreciate that, however I was not made aware of this until the following day After I had called a tow truck to pick up my vehicle that had overheated. Imagine my situation when my card wouldnt work and I couldnt pay the tow company! I had to call a friend to bail me out and then I had to leave my vehicle at the impound yard and it is still sitting there. I have this account set up on text messages for all transactions and I was not made aware of anything concerning my account being suspended. Upon checking my emails later I found an email from Money Lion saying the aforementioned. All the email said was that my account it is suspended because of suspected fraudulent activity. It said nothing about sending them documentation. I only found this out until the following morning, Saturday when I was able to contact Customer service at Money Lion to let them know that it was me making the transactions. Every CSR I spoke to you seem to be reading a script over and over they apologized the first two, were of absolutely no help told me where I could email my documents after informing me that I needed to email documents Which consisted of copies of my identity. They confirmed receipt of my email and told me it would be 24-48 hours before my account would be unsuspended. I Explain to them over and over again that I needed them to make an exception could I please speak to a manager or someone I know that they couldve made an exception. I told them I am on a fixed income and that is all the money I had. Could they please expedite this, that my rent is due that my vehicle needed repair that is all the money I had. They said they could not do that. I asked for management and I was disconnected I called two more times with the same response I was hung up on. Finally I called again and was toldBy the CSR That she was not able to get through to any management either that she was very sorry. What is this time I am crying and I am at I am beside myself. I went to their website and pleaded with them through email again and was only met with a canned response that they had received my messages and that now it was going to be within 15 days that my account would be unsuspended. I dont know what Im going to do. Isnt there someway they can be dealt with is this legal? That is all the money I have. That is my money how can they do that. At the very least it is and compassionate and they clearly clearly dont give a hoot about people.
Product: Debt collection

I am being sued a 2nd time for a {$3500.00} move out fee that was charged against me in XXXX. Bonded Adjusting and XXXX XXXX have their facts wrong and want me to PAY an additional {$2000.00} in interest for something I already PAID OFF YEARS AGO!! 
XXXX XXXX XXXX 's charges were outrageous to start, as I had lived in the home for nine years-it had normal wear and tear, along with items that I was physically unable to remove, and the grass was not mowed. Victims of domestic XXXX should have legal protections from move out expenses and that may be the case now? 
On XX/XX/XXXX I resentfully paid Bonded Adjusting Service a settlement in full, of {$3500.00} ; to put the past behind me.It was a gut punch, but all of my debts were paid in XXXX, and I have receipts and credit reports to prove it. 
3 years later ... I found an envelope, with my name on it, sitting on a coworkers desk and upon opening it I found an illegally " served '' complaint which notified me that I was, not only being sued for a charge that was PAID and closed, but I had less than a week to respond to the suit and had to PAY A FILING FEE TO RESPOND!!!!!!!!!!!!! 
I immediately went into my records and found the copy of the emailed receipt and the credit reports that showed my credit score improving about 100 points after the collections were removed. Transunion showed the account as paid and closed, and XXXX XXXX XXXX shows ( on the ledger document that BAS, themselves, submitted as an exhibit ) STAMPED with RECEIVED in XX/XX/XXXX. I tried to explain that they had made a mistake, but they are self righteous ... and I'm just dumbfounded. 
THE KICKER IS THAT I AM IN THE MIDDLE OF BUYING A HOUSE and I am about to freak out and sue for distress because they still have the nerve to tell me " Our records show you still owe a balance ''. 
The proof is the receipt they emailed ( which I printed and which shows date, time, amount and I even noted the name of the person who took my card number ), and the nationally trusted fiduciary giant XXXX, along with the stamp at the top of a document that THEY submitted saying account received and terminated. 
I'm buying my first home. I don't have the time, money, or energy for this entirely unprofessional, unethical, illegal hoopla! How can they make such a huge error? Or do they have snakes for employees? I've never in life heard of anything like this, but upon researching this company ... I see they are regularly screwing up and hurting people with their errors.
Product: Student loan

I enrolled in XXXX university online in XX/XX/XXXX. The counciller i was asigned didnt explain student loans, and coerced me into taking out more loans than i needed saying i would recieve checks so i could afford to go to school and pay bills while i was on workers comp. i never recieved any of the money, information about my loans or a payment plan. i dropped out in XX/XX/XXXX due to the school refusing to send me correct programs like XXXX so i could do my coursework and the teachers refused to help. i called navient and XXXX XXXX in XX/XX/XXXX starting in XX/XX/XXXX trying to figure out about my loans and was just transfered time and time again only to be hung up on. I had a representative call me and then call me the wrong name and hung up. I am trying to get out of default but i never even knew how much my payments were or where i needrd to send them. in total i have {$14000.00} in defaulted loans and have no idea where to turn. my wages are being garnished and my paychecks. Im XXXX XXXX and ive tried filing for new direct consolidatrd loans and was just denied. please help me.
Product: Mortgage

The problem now, is now the mortgaging servicing company. 
( XXXX XXXX  ) Husband and wife requested a conforming 15-yr conventional non-cash out re-fi with XXXX XXXX XXXX ( dba : XXXX XXXX. ) which was processed and subsequently recorded in XXXX XXXX ( AZ ) on XX/XX/2021. We have a complicating issue as the first portion of the loan process triggered this issue with AmeriHome Mrtg. ( AHM ) servicing. To summarize : our loan application has one spouse as the borrower, no co-borrower and the property being placed into our Rev. Trust on recording the deed. XXXX title instructions to XXXX XXXX were in error as they had both parties on the note despite not having a co-borrower listed in the app. I did not catch the error at signing but did confirm the error with an officer of XXXX afterwards. This was an error but one that we can live with and not worth un-doing the note. 
The problem and complaint now is, AHM of XXXX NJ purchased the servicing portion of the loan 30-60 days hence, and subsequently placed an internet ( account ) block on the account. We are not able to see any loan detail beyond the monthly statements. I contacted AHM with in 60 days of the loan closing as we began receiving correspondence etc.. I called and requested online access; was told that a ticket would go in and to give it a couple days. I didn't follow up at that time as we were receiving statements, our payments were being received, and frankly busy with the holiday 's. This month, I called the service number ( XXXX ) on the XXXX as online access is still blocked... the CS agent said to give it 48 hours and she would request access etc. I followed up with AHM 's chat line on the XXXX after another phone call ... a XXXX  @ XXXX XXXX stated that the company was looking for a XXXX from the co-borrower. After a phone conversation and two lengthy chat sessions with AHM on the 13th, and faxing of the requested document... I was told to wait and it would clear by Tuesday the XXXX. I logged in today and the block is still in effect ; I contacted AHM via chat ( XXXX at XXXX am PST ) and she has no idea. Reviewed the notes, asked if I had sent it to the correct fax number ... which I confirmed and copied the fax confirmation data to her. I asked for her to elevate my request so that the block could be lifted... the line was terminated on her end. Good grief. 
I am having difficulty getting anyone at AHM that knows what the process is and will help me get the access to our loan information ; their back office is rotten. I would appreciate if CFPB would lodge a consumer complaint against AHM as I can't be the only consumer having servicing problems with them.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my ChexSystems consumer report and noticed that there is a fraudulent account being reported that was not opened by me. Please remove this account immediately : XXXX XXXX XXXX XXXX acct. # XXXX It does not belong to me, but may have been opened by someone who is in physical possession of my Driver 's LIcense, Social Security card and Birth Certificate amongst other documents stolen from my wallet several years ago. 

Also, the following inquiries are fraudulent and were not made by me nor any action initiated by me : XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXXXXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXXXXXX XXXXk, date : XX/XX/XXXX XXXX XXXXXXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, date XXXX XX/XX/XXXX Additionally, please delete these inaccurate addresses from my consumer file because they are not mine : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Additionally, please delete the following inaccurate phone numbers from my consumer file because they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My correct phone number is ( XXXX ) XXXX. 

Additionally, please delete the following inaccurate email address from my consumer file because it does not belong to me : XXXX My correct email address is : XXXX XXXX
Product: Debt collection

I have reached out to this company numerous times to resolve this mystery with no response
Product: Credit card

Multiple complaints of same nature submitted to CFPB ; as each time there was an update or correction and edit ability does not exist post submission. 

This version : UPDATE Reason : AMEX implemented a credit limit on my card. This account has had higher balances before ; this account was never implemented with a credit limit. I complained about a matter that was not being resolved and mentioned I would report to CFPB. AMEX a few days later implemented a card limit on my account. I never missed a payment in this matter. I was addressing about auto-draft concern
Product: Credit reporting or other personal consumer reports

That is to confirm remove Unauthorized Hard Inquiry made on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached Letter from Creditor which they sent copy to you as they confirmed with me i have reported right away to XXXX, TRANSUNION and XXXX to place fraud alert and dispute all this unauthorized hard inquires has left on my credit due to impact my credit Ask to investigate to remove this Unauthorized hard Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I am desperately trying to fix items on my credit report. Equifax is DRIVING ME NUTS. 
1- i sent them a letter with items i am disputing in XX/XX/XXXX - NO RESPONSE ( yet emails ) 2- i sent them a letter with items i am disputing in XX/XX/XXXX - NO RESPONSE ( yet emails ) 3-they have my bankrupt from XX/XX/XXXX listed at XX/XX/XXXX. which HELLO why would that even say that -- - but i 've asked now THREE times to have this corrected. 
4- they have my bankruptcy from XX/XX/XXXX listed as " A '' liability - ive asked THREE times now for this to be explained and corrected. the other two bureaus list this as " 0 '' 5- i have SO MANY " unknown '' collections on my account. why do they list it like this???? equifax is NOT ANSWERING my requests ... yet i have this blood bath of collections on my account that say '' unknown '' -- -so as an " unknowN '' they must not be accurate bc they do n't know who they are. SO DELETE THEM 6- In response to the letters i send disputing items on my report - equifax keeps sending me emails. I did n't give them my email address. HOW do i know its even them emailing me. they are supposed to send my dispute information in the MAIL. I mailed them. i did n't email them. and again HOW did they get and subscribe me to a mailing list when i did n't even give them my email address??? violating spam laws anyone??? 

Equifax is a disaster. they have no idea what they are doing except for destroying peoples lives they should burn all the documentation they have and START OVER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Ref : XXXX ( XXXX, XXXX, XXXX XXXX, and XXXX ) XXXX ( XXXX, XXXX, XXXX XXXX, and XXXX ) Trans Union ( XXXX, XXXX, XXXX XXXX, and XXXX ) Dear Consumer Financial Protection Bureau : Thank you for taking time to investigate my complaints against the following agencies who have refused 3 times to provide documentation verifying that these are may accounts as per the Fair Credit Reporting Act 609 and 623. The type of problem Im having with the XXXX, XXXX, and Trans Union is refusing to not only remove these items off my credit report, but more importantly disregard my request to show the proper documentation I requested to verify these accounts are mine. After three disputes, XXXX, XXXX, and Trans Union have failed to once again provide documentation that this was my account. They failed to provide me a copy of any viable evidence, being my original signature showing the account was mine. All agencies continue to avoid the FCARA guideline. Neither the credit bureau of the comapnauiies have provide any original documentation such as a consumer contract with my signature as required under 609 ( a ) ( 7 ) and Section 611 ( s ) ( 1 ) ( A ). Furthermore, all bureaus and even the creditors have refuse to provide document. I asked each one of them since they didnt provide documentation to immediately Delete all information which can not be identified.

Please see letters and certified mail which shows my attempts to have the credit bureaus to investigate and if not proven, remove  immediately. 
In, conclusion, I have been maintaining careful records of my communication with XXXX, Trans Union, and XXXX for the purpose of filing a complaint should they be unwilling to comply with Federal Laws. They refuse to comply! Thank you in advance for investigating my claim and I look forward to a swift resolution. 
Sincerely, XXXX