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

I'm still being reported negatively to XXXX & XXXX Credit Bureaus ; $ XXXX+ Continued Membership, Late, & Missed Charges still are not refunded to my account, 5+ months later. XXXX was the guilty ones to charge my account for a second month, when I cancelled my account XXXX-18, 2+ days before statement for next month was processed. Many emails, with documentation, have been sent/faxed to dispute wrongful charges. 
Please send me your email address ; I'm not able to upload email documentation at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XX/XX/XXXX Finance other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute onXXXX XXXX  regarding a collection account from XXXX XXXX XXXX, XXXX  days later no response from Experian. I followed up with a certified letter on XXXX XXXX, still no reponse, so I immediately contacted your office and was told they have 30 days to respond. Its been over 70 Days at this point!
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR THE PAST FEW MONTHS I HAVE BEEN TRYING TO GET AHOLD OF XXXX XXXX BUT I HAVE NOT HAD ANY RESPONSES. I SENT MULITPLE DISPUTES AND GOODWILL REQUEST BUT HAVE HEARD FROM NO ONE. 

I REGULARLY MAIL MY PAYMENTS TO XXXX XXXX. ON A XXXX OFF SITUATION, MY CHECK WAS STOLEN AT THE POST OFFICE THEREFORE CAUSING MY ACCOUNT WITH XXXX TO BE LATE. AS SOON AS I FOUND OUT, I SATISFIED MY OBLIGATION. AS YOU CAN SEE, THIS IS COMPLETELY OUT OF MY CONTROL AND I AM ASKING WITH HUMILITY THAT MY LATE PAYMENT WITH XXXX BE RECALLED AS A RESULT OF FRAUD/THEFT. 

I HAVE ATTACHED MY LETTER I SENT TO XXXX BEFORE AND ALSO INCLUDING A POLICE REPORT I FILED ABOUT THE CHECK THEFT. PLEASE HELP WITH INVESITGATING THIS ISSUE AND RECALLING THE LATE PAYMENT.
Product: Credit reporting or other personal consumer reports

This morning, unauthorized inquiries suddenly appeared on my credit report, and I don't know why. I usually check my report regularly, but this time there were unexpected discrepancies. I refreshed the page thinking it might be a glitch, but nothing changed. I am extremely frustrated and request that my documents be reviewed thoroughly to ensure this is permanently fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( 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. 

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: Debt collection

This is a response to what is happening with my previous complaints about JG Wentworth. 
On XX/XX/XXXX after XXXX hr XXXX min on hold we finally got a JG Wentworth representative. We were told our Cap and Extend was denied and were pressured to do a regular loan modification. We told her we were in a Federal Disaster Area and were eligible for the Cap and Trade that they told us they would process in XXXX We asked for a manager. We were transferred to employee # XXXX and she also told us we were denied for the Cap and Extend, but eligible for a reg. mod. We told her no We were eligible for a cap and extend and were in a Federal Disaster Area. She told me that she had to tell us that. She then looked into my file and said that '' the system does not actually show a denial '' and called it XXXX XXXX going on here. Then, I also told her that there was a charge for an inspection on my bill, which XXXX XXXX was supposed to pay. She agreed and said it was not supposed to be there. She said she would take care of it. She took my regular payment for the month of XXXX ( confirmation # XXXX ) and that she was putting in our request for Cap and Extend again as a priority. A person from the refinance dept. was supposed to call me back in the next 24 hours. NO ONE HAS CONTACTED ME. They have sent me several online correspondence since XX/XX/XXXX that they are foreclosing on me, even though I made my XXXX payment like I was supposed to for the Cap and Extend. They are attempting to illegally steal my house and get my {$150000.00} in equity. This is overt FRAUD and misleading tactics. They are taking advantage of hundreds of thousands of people affected by natural disasters in FL, TX and CA by telling them they were denied for Cap and Extend even though they really did n't process it. In a regular loan modification, they can raise our interest rate and this is negatively affecting my credit score which was really high. They are not answering their calls or emails. The Federal Government needs to fine and prosecute XXXX XXXX.
Product: Debt collection

EOS CCA have called my number XXXX XXXX XXXX several times which is my only contact phone number, usually call from a local number probably to try and get me to answer but I don't answer any number I don't know. Called back a couple times and the lady just said hello and nothing else stating the company, I think one time she said my name right after answering. I looked up number to find complaints from people to find out who the number belonged too. I did get an automated voice recording one time I called back that said EOS CCA. If they are calling for me which I assume they are or my mother XXXX who lives me then I have no idea why because nothing has came in the mail from them stating any debt owed and that it was with them. Nothing. No one is going to pay on a debt or even talk to someone about a debt that they have no idea what it is or have not received notice in the mail. Tried to send message from their website but it won't send.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and the following complaint has already being filed with the XXXX XXXX XXXX. 
I live in the XXXX Ky area and in the months of XXXX and XXXX I made use of one of the city toll bridges, Honda Financial Services XXXX XXXX XXXX, XXXX TX as the leasing agency received the {$4.00} each toll fee bills from XXXX XXXX and failed to notify me as the leasing customer, causing the bill to turn into a Violation Fee for up to {$68.00}. It was not until XXXX, 6 months later, that Honda Financial Services sent me a letter informing me about the existence of such fees. 
Then, I contacted XXXX XXXX the Toll Bridge Agency, to initiate a process that was supposed to pardon or reduce my toll fees, as they understood that I never received such notices. However before that process could be finalized, Honda Services went ahead and without informing me, payed the {$68.00} toll fee, abruptly interrupting my fee forgiveness negotiation with XXXX XXXX. In less than a week then Honda sent me another letter demanding me to pay back the {$68.00} that they ''had to pay '' on my behalf, then i proceed to file a complaint with Honda XXXX since, they not only failed to informed me about the bill causing for the same to turn from {$5.00} into {$68.00}, but also disrupted my process of toll forgiveness with the XXXX XXXX agency by suddenly paying the bill when they knew that i was trying to dispute it. 

Honda has given me no explanation as a customer on why my claim was denied, as I tried to dispute this besides '' it was management decision '', no explanations on why i was not informed of the incrementing XXXX XXXX fee when they had 6 months to do it, why i never received an email, a phone call or a letter. Honda just waited for the fees to turn into a violation notice that could even have affected my good credit history, and not happy with that Im being held accountable for their poor customer service, poor management, poor communication and mediocre performance. The reference number of my case with Honda Services is XXXX.
Product: Checking or savings account

I tried closing my account, in XX/XX/2021 and TD bank said I needed to zero my account. Upon doing so, they stacked transactions in such a way that they could charge an overdraft on me, even if the transactions were clearly in an order that it shouldn't have been. They they prevented me from closing the account again. Upon trying to zero the account, they then charged me monthly fees. I tried to reinstate a balance to avoid monthly fees. Then zeroing account again in XX/XX/XXXX I was again charged an overdraft and was unable to close the account with a negative balance, which was exactly the size of the overdraft. Upon contacting them and trying to close the account again, they did not let me and insist on charging more fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a written dispute letter to XXXX to have them verify any debt they claim I owe. Letter was submitted XX/XX/2023, I was told to give them 30 days and it has been 31 days and I havent received a response! I talk to a manager name XXXX, she didnt want to provide last name and the number she uses is # XXXX saying I need to write another letter and allow 30 days for response! I requested her to remove the inaccurate information from my report but she states she cant do that only the investigation team and they only work through email and po box not a live person! This information has been on my report for a couple of months now and they are not removing this information!
Product: Credit reporting or other personal consumer reports

I HAVE NEGATIVE MARKS THAT ARE AFFECTING MY CREDIT DUE TO INQUIRIES THAT I DO NOT KNOW AND THAT I DID NOT MAKE. I HAVE TRIED MULTIPLE WAYS TO REMOVE IT TO IMPROVE MY CREDIT BUT NO ONE HAS BEEN ABLE TO HELP ME. I REQUEST YOUR HELP SO I ATTACH OFFICIAL DOCUMENTS, DATES AND DETAILS. THANK YOU SO MUCH. 


XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

onXX/XX/XXXX. someone tried to apply for a credit card under my name. I am in the process of buying a home I never would have done this. I called Chase and they immediately told me they denied this due to it being suspicious activity and that they would inform XXXX and XXXX. I told XXXX. XXXX reacted immediately and erased it from my credit profile. XXXX refused even after I sent them the letter and inquiry dispute just like they requested me to do.
Product: Payday loan, title loan, or personal loan

I owe XXXX XXXX XXXX {$250.00}. 
Baker and Baker firm has been using illegal tactics for me to pay which at moment I can not pay due to virus and my other bills have accrued. I explained to Baker and Baker that I broke my shoulder in XXXX of 2019 and since then have had to deal with virus and basically have been out of work since XXXX of 2019. 
I have borrowed from XXXX  before and have intention to pay. Just do not have the money. 
I told Baker and Baker to stop emailing me because I am getting mail from another collection agency about this matter and will fix with them through XXXX. 
Baker and Baker is threatening me with jail time and return payment of {$4500.00} to handle this. 
This is bullying, intimidation and harassment. I have done nothing wrong I just currently can not pay with my current commitments and bills. How can this stop ot has my nerves shot. I have no time for jail or able to pay {$4500.00}. I have saved all of Baker and Baker emails
Product: Student loan

Mohela convinced me to consolidate. Said my payment would remain the same. Income driven plan is the only plan that will work with my PLSF. PLSF is the only reason I was sent to Mohela as a provider. They keep putting me on a standard payment that does not Apply to this repayment option. Will not process my income driven plan. Have disconnect with me 3 times over the last 4 hours without resolution while Im waiting on hold for them to sort out Why my application has not been resolved in the last 5 months. I was told my consolidation would not affect my repayment plan. Now they wont fix this. Trying to charge me 2x what I should be paying without any of the payments working towards my PSlF. I spent the 6 mo the prior to this fighting to get on this payment plan. They had to repay me money back for their previous fraud now they are doing it all over again and charging me Interest saying I am late on incorrect payments..
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My student loans have been fully paid amd forgiven and yet XXXX, XXXX, and XXXX still show balances of over {$130000.00}. I have disputed this with them multiple times. I have also called the loan servicer MOHELA multiple times. None of the entities will do anything to help me.
Product: Checking or savings account

On XX/XX/2021 there were two transactions done at a XXXX  in XXXX, CA. One for {$210.00}, and another for {$160.00}. I was home just getting back from work and I logged into my app, and saw the fraudulent transactions. I live in XXXX CA, which is nowhere near XXXX  in XXXX CA and I do not go around that area at all. I immediately froze my debit card through the Bank of America app and called right after. The associate told me that it appeared whoever took the money used a card without a chip. They issued a credit for the full amount of the transactions. 

My statement for XXXX shows the first charge at the XXXX, CA XXXX  of {$210.00}. Then after that a transaction for XXXX XXXX XXXX in XXXX, CA of {$55.00}. The next charge is of {$160.00} at the XXXX  once again. Transactions are in chronological order, correct? How can I be in XXXX and XXXX at the same time? I only have one debit card. 

On XX/XX/2021 I received a letter in the mail from Bank of America. It's stating that they are going to remove the credits on XX/XX/2021 because my claim wasn't approved. I called the bank to ask why. The associate told me they made that decision because the individual who used my information was able to successfully enter my PIN on the first attempt. In the letter it says that " The charge was authorized by you or by someone who has permission to use the card or account ''. That conclusion is very absurd and offensive, because at this point they are making it seem as if I'm trying to steal and lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Equifax data breach. I also notice that Ive been applying for loans and they mentioned my credit report along with my financial responsibilities and I didnt even give them my social security number.
Product: Credit reporting or other personal consumer reports

This is not the first time I have found inaccurate information on my credit report. The three credit bureaus are required to verify these accounts. It is unacceptable to report these accounts as unconfirmed without validating them within the legally mandated time frame. The following incorrect information on my credit report needs to be investigated, amended, or completely deleted : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00}
Product: Debt collection

Caller was from XXXX and XXXX. Called me on my cell phone which I did not provide express consent to call with an automated dialer. This is a violation of the TCPA. The name of the organization left in the automated message implied a lawfirm, which is in my opinion unfair and deceitful. When I returned the call, I was informed this was a purchased debt from a XXXX deficiency, and is way past statute. I was not given the mini-Miranda, was not provided a written notice within 5 days of my right to dispute the validity of the debt. FDCPA violationsVerbally informed them they do not have my consent and if they thought they did, I revoke permission to call me on my cell phone.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my dissatisfaction and frustration regarding the late opening of my account with your institution. I initiated the process of opening an account with your organization, expecting a prompt and efficient service. However, to my disappointment, the account was not opened within the agreed-upon timeframe. 

The delay in opening my account has caused several inconveniences for me. I had planned to utilize the services provided by your institution for various financial transactions. Due to the account not being opened on time, I have been unable to carry out these activities as intended, resulting in disruptions to my personal and/or business affairs. 

Moreover, the lack of communication regarding the reasons for the delay only added to my frustration. I understand that unforeseen circumstances may arise, leading to delays in certain processes. However, as a customer, I expect transparency and timely updates regarding any such issues. 

I urge you to take immediate action to rectify this situation. I kindly request that my account be opened without any further delays and that measures be implemented to prevent similar occurrences in the future. Additionally, I would appreciate it if you could provide an explanation for the delay and assurance that steps will be taken to improve your service standards. 

Please consider this matter with the urgency it deserves. As a valued customer, I expect nothing less than efficient and reliable service from your institution. I trust that you will address my concerns promptly and take the necessary steps to ensure a satisfactory resolution. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried onlineXX/XX/2019to temporarily lift my Security Freeze using all my personal information and Experian PIN. It said they are unable to process my request and I have to mail the request with identification to Experian. I then called on XX/XX/19 and got in an automated system to lift the Security Freeze. Again, after entering all my info and PIN, I was told to mail the request. 
Experian gives no method to speak to a representative to verify my identity and requesting that I MAIL sensitive, confidential identity information is not only ridiculous, it exposes me to identity theft.
Product: Debt collection

XX/XX/2023 was notified by pay pal i owe XXXX to an XXXX XXXX. I do not know or even heard of this person. Now they added a late fee, total now is XXXX. 
I do not owe this to pay pal or This XXXX XXXX.
Product: Credit card or prepaid card

I made a purchase with XXXX XXXX on XX/XX/2022. I made a purchase totaling {$250.00} and ended up keeping one item and returning the rest. A few weeks later, I noticed that the returned items had been delivered back to the store, but I didn't receive any emails about a refund. I attempted to contact them but was unsuccessful, so I filed a dispute via Chase. I should mention, I made a mistake when filing the dispute and putting {$250.00} instead of substituting the amount for the one item I kept, which may be causing the confusion. 

On XX/XX/2022, I received an email from XXXX saying that my refund had been sent, so I called to cancel the dispute. However, after a few weeks, the refund wasn't reflected on my account. I reached out to XXXX several times through calls and emails, but they informed me that once a dispute has been opened against an order, they can no longer take any action. They instructed me to contact you in order to receive the refunded amount. I need to reopen the dispute and get {$180.00} refunded by XXXX. 

I have opened a total of three disputes with Chase thus far. The last time, I was instructed to submit a letter to reopen the case, which I did. I provided evidence in the form of screen shots of emails I received from Chase, explained the entire situation, and faxed it to them. Unfortunately, once a dispute is closed, I am no longer able to file a claim online. The second time I opened a dispute, they simply closed it without requesting any additional evidence or documentation to support my case. For my most recent dispute, I called two days after faxing my letter, and was informed that it would take up to two billing cycles to resolve. I waited patiently and called them after a month to get an update, only to be told that they had closed the case after only five days. I do not believe that this is sufficient time for a thorough investigation, yet they decided to close the claim. 

At this point, I am extremely frustrated with both XXXX and Chase. I have been charged a bill that I should not be responsible for, and neither company seems willing to assist me with resolving this issue.
Product: Credit reporting or other personal consumer reports

" XXXX XXXX XXXX  reported a late payment on my credit report because they incorrectly applied my {$5800.00} XX/XX/XXXX payment to my escrow account instead of my mortgage, due to a {$380.00} shortfall for XXXX and XXXX. Although my mortgage payment amount changed in XX/XX/XXXX, I did not receive any notice of this change due to moved to new place and continued paying the old amount through XXXX  XXXX XXXX 's bill pay. 

By the end of XXXX, XXXX XXXX XXXX  sold my mortgage to another company, yet I still made the XXXX payment to them. My bank account consistently shows a balance of over {$10000.00} each month, so there was no reason I would have paid a {$95.00} late fee instead of the {$190.00} difference. 

I am requesting that XXXX XXXX XXXX  remove the late payment from my credit report, as they should not have applied my full XXXX payment to escrowespecially considering their decision to sell my mortgage. ''