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

Multiple large transactions ranging from XX/XX/XXXX - XX/XX/XXXX. Total amount of unauthorized transactions : {$12000.00} Filed fraud claim with Chase Bank as soon as I noticed these charges. 

Chase credited my account as they investigated for almost 3 months, then ( according to my bank statement ) on XX/XX/XXXX decided that I am responsible for these charges, and sent me a letter notifying me that these unauthorized transactions were authorized???? 

On XX/XX/XXXX, finally getting the chance to call chase about my claim denial and asking them to reopen my case, I asked the Chase associate what documents I need to provide for my claim, and they said to file a police report and reach out to the merchant. 

After doing so, with no help from the charging merchant who says theyre a third party merchant and can not reveal who the actual merchant is or what products or services were purchased, I filed a police report with my local police and submitted the summary report I received to Chase. 

Eventually Chase sent me a letter saying they believe the charges are valid and will reissue the charges to my account, and if I had any questions, I could call the number listed to the Senior Fraud Analyst. 

After calling the number, the associate said because the company had all my information, it is difficult for me to prove I did not make these charges and that there is basically nothing I can do. 

They did not provide me with what products or services were purchased/provided, nor could they tell me anything about the charging merchant. 

I am now stuck with over {$12000.00} of extra credit card debt that I did not make with no help from my bank!
Product: Mortgage

In XXXX of XXXX Greentree Mortgage sold my mortgage to Ditech Mortgage who as of XX/XX/XXXX has gone out of business and transfered all of their remaining mortgages to XXXX XXXX dba XXXX XXXX XXXX. On XX/XX/XXXX I received a letter from Ditech stating that they just happened to have missed that my FHA PMI had been charged to me from XXXX of XXXX to XX/XX/XXXX ( just a slight 4.5 years of errors ) or {$1300.00} of over charges. Now what's interesting is that when I contacted Ditech in XXXX after they had sent me an increase to my payment from {$530.00} to {$550.00} for {$90.00} of a XXXX city tax increase and a {$14.00} annual home insurance increase, I challenged them on these increases but paid {$530.00} so not to have a late underpaid payment on my record. In XX/XX/XXXX I finally got a review of my mortgage by Ditech and they dropped my payment from the {$550.00} to {$500.00} which I paid {$500.00}. Unbenownced to me, Ditech having filed for bankruptcy in XX/XX/XXXX had passed all of this {$550.00} misinformation to XXXXt and never told them about the FHA PMI issue. Can FHA return my excess payments of {$1300.00}? Is there a bankruptcy fund for Ditech that I can file a claim against or can this be credited to my new XXXX mortgage?
Product: Checking or savings account

They wo n't let me in my account. I have tried to activate my card. I also called and been hung up on 3 times. 
I just got this account. What should i do?
Product: Credit card or prepaid card

Portfolio Recovery Associates, LLC XXXX XXXXX XXXX XXXX CA XXXX. 
REFERENCE NUMBER : XXXX Sir/Madam, Above company alleges that the bought XXXX XXXX and Merchant XXXX XXXX XXXX XXXX. whom I had their store credit of {$500.00} maximal. I have asked them to provided. for me the documentation of when credit limit was hack? In all their various correspondence no answer was provided. I do not recall my credit limit being extended nor was I having an expenditure for amount that the are claiming $ XXXX on a credit card that had a limit of {$500.00}.. 
Yours faithfully, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Please see attached file for these items I am complaining.
Product: Payday loan, title loan, personal loan, or advance loan

I am struggling to pay this loan and am unable to.
Product: Debt collection

Lyons, Doughty & Veldhuis, P.A. has garnised my wages for an account I've never opened nor have any knowledge of. I've never signed any documents for the supposed account I was never called, emailed, or mailed anything in regards to the alleged account. I asked them to provide me proof that the alleged account belonged to me. I asked them to provide proof the alleged account was opened in my name with my identification my signature, the dates the alleged account was opened as well as all original creditor information. I provided the company proof of residency, proof of police report, proof of credit report with different dates the account was supposed to had been open as well as different balances of the supposed account. I asked them to stop the wage garnishment as well as reimburse me for the funds they wrongly took from me and remove it from my credit report. I sent everything via certified mail which I have proof they received and signed for. Wage garnishment dates and amounts XX/XX/ {$180.00} XX/XX/XXXX  {$190.00} XX/XX/XXXX  {$180.00} XX/XX/XXXX  {$190.00} XX/XX/XXXX  {$200.00} XX/XX/XXXX  {$140.00}
Product: Credit card

citi said I would need to provide a copy of a police report and a copy of this report.
Product: Debt collection

I live in XXXX and my minor daughter, XXXX XXXX, goes to XXXX in the summer to visit her father. I received a credit alert from Team Recovery for a collection of {$120.00} for XXXX XXXX XXXX. I was not aware of any debt nor did I take XXXX to this hospital but it appears my insurance was billed for the services. I contacted Team Recovery for more information and spoken to in a harsh and disrespectful tone. Also, the contact information they had for me was incorrect. I thought this may have been a possible scam and proceeded to contact XXXX XXXX XXXX. I was informed there was a balance of {$120.00} for services my daughter received in XX/XX/2017. I do not feel responsible for this payment since XXXX was under her fathers care at the time in a completely different state from where I reside. However, I agreed to pay the balance in full in order to have this information retracted from my Team Recovery and removed from my credit file. XXXX XXXX agreed to this and I provided my contact information for a {$120.00} payment.
Product: Debt collection

There is as a unknown account listed on my personal credit file. I have disputed with no validation ever being received. Please help as I do not owe anyone XXXX at all.
Product: Checking or savings account

I received a promotional offer from Citizens bank. The promotion stated - open a checking account and deposit {$500.00} via direct deposit within 60 days and receive {$200.00}. 

Open a savings account - deposit {$15000.00} and leave on deposit for 3 months receive {$300.00} Open both a checking and savings account receive {$100.00} for a risk of {$600.00}. 

After 5 months after 3 phone calls I received {$200.00} deposit into checking account. 

I called at least 2 more times inquiring about the additional {$400.00}. I was told I didnt qualify for the promotion because I didnt deposit {$500.00} at once. The promotion stated deposit {$500.00} via direct deposit within 60 days. No where did the promotion. Stated at once. 

In addition - I opened both accounts via a Citizens representative who confirmed - deposit {$500.00} over 60 days.
Product: Credit reporting

I called Experian on today XX/XX/2017, so dispute several inaccurate account on my credit report. and the rep stated that I could not dispute the items again because they were disputed once and the creditors does n't have to provide any validation of the accounts, they only have to update the information. The rep stated that its not Experians job to request documentation to validate anything and that 's my problem. the accounts that I am disputing are XXXX XXXX, XXXX # XXXX, and XXXX # XXXX due to the fact there is no contract between myself and those creditors.
Product: Mortgage

XXXX Mortgage They have lost or failed to process our payments which were made in plenty of time resulting in late payment fees! We were sending payment postmarked weeks before payment is due on the XXXX. They do not seem to even have a 3 day window grace period given that we can not control the timing of the United States Postal Service. 

When I looked at reviews there were several of these types of complaints. 

We will be paying electronically from now on but this has happened twice. This is a XXXX home. We have never ever had any late or missing payments for our current mortgage with XXXX XXXX. 

I feel they are deliberately not processing payments based on the recent reviews and complaints and need to be investigated for this practice. Not sure how I can switch mortgage lenders without refinancing but will be looking into it. This can potentially hurt credit.
Product: Credit card

I have been a Southwest chase customer for sometime, I regularly make payments. I make multiple payments throughout the month. 
On XX/XX/XXXX I made a payment. It cleared XXXX. And out of nowhere they are telling me that they will not release my payment and credit it to my account until XX/XX/XXXX. The payment has already left my bank account. They have never done this before in 3 years. They are telling me they are doing this because I made multiple payments in one month. However, I have always made multiple payments in one month. It is not unusual for me to do this. 

I believe they are doing this because, it makes it so I will not get my special bonus for spending enough money on my card at the end of the year. By them delaying posting of the payment, theres no way I will have enough points for the reward at the end of the year and they know this. Ive gotten the reward for two years in a row, its the companion pass where my spouse flies free for an entire year. 
This is absolutely to take my money, get free interest on it for a week, and then make it so I dont get my yearly reward. 

I tried to call them, I asked to talk to Supervisor, I asked them credit my account, I told them Id be filing a complaint ; I asked the supervisor to provide me proof of this of their policies in writing, to none they would do. 

I just want my payment posted. Again, it was posted it was paid XX/XX/XXXX. It cleared my bank XXXX XXXX. And they refused to post it before XX/XX/XXXX. They have never done this before. My payments are always posted the very next day. 
None of my account activity is out of the ordinary for the 3 years I have had this credit card account. This is brand, new, and I 100 % believe it is to stop me from getting the reward that I get every year.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX ) has put a {$4600.00} on my credit report and refus to step off.I worte letter to dispute to all 3 credit agencies to take it off and they refused as well. The XXXX. sented me some copies they got from XXXXXXXX XXXX XXXXXXXX with fake amount of bogus charges and trying to scam me out of {$4600.00}. With this on my credit report it put a hardship on my credit being damage until I get this resolve.
Product: Payday loan, title loan, or personal loan

XXXX XXXX ( LDF Holdings ), continues to harrass me with phonecalls to both my cell phone and place of employment in regards to an old payday loan. I sent them a certified letter on XX/XX/19, at which point I revoked their ACH Credit and Debit authorizations. I also explicitly told them that they were not to contact me further via phone at home or place of employment about this debt. The loan that they provided me with was illegal per Michigan law, and they have no leg to stand on with their " rent-a-tribe '' scheme to evade state usury laws.
Product: Student loan

In XX/XX/2024 I reached out to Mohela after I noticed my credit score was impacted due to in increased balance on my student loan. I found that MOHELA capitalized my interest after placing my loan into administrative forbearance with no communication as to the reason for administrative forbearance. At no point in time did I request to defer payments. I am eligible for PSLF and am on the SAVE plan and per FSA guidelines, " The SAVE Plan has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the SAVE Plan prevents your balance from growing due to unpaid interest. '' ( udentaid.gov/announcements-events/save-plan # benefits ) I have asked MOHELA to clarify the reason for the continued balance increases, they will not provide a response to my question.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/2024 and I noticed that there are various items that are inaccurate and incomplete. I have submitted several request to Transunion inregards to this and they have failed to send the information on how they have verified this information nor have they fixed the inaccurate information. Per the Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report reference too. These accounts : 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, in which is an re insert and I was not notified about it. XXXX XXXX # XXXX. Are incomplete and inaccurate. 
Yet they seem to say that everything is complete and accurate but if you check my attachments everything is not accurate nor complete. 
According to 15 USC 1681s-2A A person shall not furnish any information to any consumer reporting agency if the person knows that the information is inaccurate. According to the law they are suppose to provide the description of the investigation according to 15USC 1681i ( 7 ) Description of reinvestigation procedure and they have failed to do so. Furthermore according to 15USC 1681s-2 they are not suppose to furnish any information relating to a consumer if the person has reasonable cause to believe information is inaccurate. ( Dates, amounts, last activity, balanced owed, date opened, last payment )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of a fraudulent XXXX account that has been incorrectly reported on my credit reports by all three major credit bureaus ( XXXX, Experian, and XXXX ). Despite my numerous attempts over the past two years to rectify this issue, the account remains on my credit reports, adversely affecting my credit score and overall financial health. 

Account Details : Creditor : XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Background : I have repeatedly disputed this fraudulent account with each credit bureau as required by the Fair Credit Reporting Act ( FCRA ). However, my requests have not been addressed satisfactorily, and the account remains on my credit report. 

Relevant Laws and Consumer Rights : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. Specifically : Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ) : Requires the prompt removal of fraudulent information from a consumer 's credit report upon receiving appropriate documentation of identity theft or fraud.

Section 611 of the FCRA ( 15 U.S.C. 1681i ) : Mandates credit reporting agencies to conduct a reasonable reinvestigation of disputed information and remove or correct any information found to be inaccurate or unverifiable. 
I have provided all necessary documentation and evidence to prove that the XXXX account is fraudulent, yet no action has been taken. 

Immediate Actions Requested : Removal of the Fraudulent Account : I demand the immediate and permanent removal of the fraudulent Avant account from my credit reports with XXXX, Experian, and XXXX. 
Confirmation of Removal : I request written confirmation from each credit bureau that the XXXX account has been removed and will not reappear on my credit reports. 
Preventative Measures : Ensure that any similar fraudulent activities are flagged and prevented in the future. 

Potential Consequences of Non-Compliance : If this issue is not resolved promptly, I am prepared to take the following actions : Seek legal counsel to enforce my rights under the FCRA and pursue damages for the ongoing harm caused by this fraudulent account. 
Please consider this matter with the utmost urgency. I expect a prompt resolution and confirmation of the removal of this fraudulent account within the legally stipulated time frame. 

Thank you for your immediate attention to this matter. I look forward to your swift action and resolution.
Product: Student loan

I had a student loan with XXXX XXXX that was purchased by Navient. I was late with a payment. I spoke with a representative to pay of the loan, and in the interim another representative started calling friends asking how to get a hold of me to make a payment. This was embarrassing and frustrating, especially when I had paid the loan in full. This is unacceptable business practices.
Product: Debt collection

American express took me to court for a fake debt they 'manufactured " by not accepting my electronic payments.. and requested the send them a paper check which American Express did not cash or credit my account in a timely manner to make my payment appear late and give me a {$40.00} late fee. month after month. i believe this is fraud and other consumers have told me this same scam happened to them with American Express. 
i have had to appear in court several time for {$390.00} and paid a settlement amount they received on XX/XX/year> and have a settlement agreement confirmation of terms for the account ending XXXX for the outstanding ( manufactured by Amex ) of {$990.00} Also i was sent a letter dated XX/XX/year> that says " Our records indicate that you have completed your settlement arrangement and resolved the outstanding balance on your account referenced above ''. on XX/XX/year> the court entered a judgement for the outstanding amount that was paid, i petitioned the court to vacate that judgement with the court honored. but Amex is still taking me to court for what reason i can not understand since this is paid in the settlement. Amex is a confused and lost company and is using fraud to steal monies from people like me.. a senior citizen and disablied
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I received a document delivered by the Sheriff of the county I live in. I was not home and the document was attached to the front door of my residence. I immediately called the Sheriff once I got home and read the document. The document said I owed a debt and listed the dollar amount of the debt on the document. The sheriff and other unknown persons were able to see my personal financial information. The debt collection agency threatened to take my vehicle as payment if I did not call them immediately and set up a payment plan. The sheriff also called the debt collection agency and he was told too that they would take my vehicle as payment if I did not call and set up a payment plan. I began to have a XXXX XXXX and contacted my M.D. I was prescribed XXXX to control my XXXX and prevent me from XXXX. I began to suffer from XXXX the same night as the document was left on my front door ; I returned to my M.D. suffering from XXXX and prescribed XXXX. After I got myself healthy adn back on track I was able to stop taking the XXXX but I still suffer from anxiety as I look over my shoulder feeling as though someone is going to take my vehicle as I go into XXXX to pick up a few groceries. It 's an awful feeling and as I am unemployed but actively looking for employment ; a payment plan is impossible as I am living off of my savings after moving into my mother 's home unable to pay rent or live independently due to unemployment and lack of money. My vehicle is paid off but the debt collection agency said they put a hold on the VIN so I could not transer the title into another name ; the hold on the VIN makes it impossible to sell the vehicle and buy a cheaper vehicle in order to make a lttle profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has some accounts on my credit reports that are not mine. 
i did not give XXXX my permission or authorization to report. 

accounts ; XXXX/XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX/XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX/XXXX   XXXXNOT MINE, PLEASE DELETE XXXX XXXXNOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE