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

Dates of pertinent information : XX/XX/XXXX - Purchased an airline ticket on Chase Credit Card ending XXXX {$2200.00} for my wife and me to fly from XXXX, FL to XXXX, XXXX. 

XX/XX/XXXX - Paid off credit card from our Chase checking account ending in XXXX, cancelled credit card account. 

XX/XX/XXXX - XXXXXXXX XXXX cancelled trip ( covid ). 

XX/XX/XXXX - Contacted XXXX XXXX at XXXX XXXX  and was told that the refund would be issued within ten days to the same card that I used to purchase the tickets. 

XX/XX/XXXX - Contacted chase at XXXX XXXX - Was told by Customer service operator " XXXX '' that the card was still in the system and that a refund from a merchant would be accepted and that I would be contacted to determine what account I would like to have the money transferred to. With Chase, I have two other checking accounts, a savings account and an IRA. 

XX/XX/XXXX - XXXX notified me via email that I had a full refund and that it would be deposited to my Chase Credit Card. 

I spoke with XXXX  and they gave me the " transfer number '' alphanumeric code used to track the transaction of XXXX XX/XX/XXXX - XXXX XXXX - After not hearing anything I contacted Chase, spoke with Account Supervisor " XXXX ''. They can no longer see my card, and would have to send an ( internal ) email to " merchant credit purged accounts '' and that I would hear from them via email or telephone withing five business days. 

I had spoken with XXXX and they gave me the " transfer number '' alphanumeric code used to track the transaction gave this number. 

XX/XX/XXXX XXXX XXXX - Called Chase, spoke with " XXXX '' customer service rep. Transferred to " XXXX '' Customer Service Manager. Could not find any information at all about any of the phone calls, however, would send an ( internal ) email to the " back office '' to find the account. " back office '' would contact me " soon ''. ( This person seemed uninterested in helping at all. ) XX/XX/XXXX XXXX XXXX - Spoke with " XXXX '' who was the first guy I spoke with. I had verified with XXXX that there was no return or other issue with the original transfer of the refund. 

XX/XX/XXXX - XXXX XXXX in the mail - received letter from Chase. They state that they can not find my account, and that the money was returned to XXXX, on XX/XX/XXXX, XXXXThis letter is citing " reference number '' XXXX. 

XXXX can not seem find this money, Chase can not seem find this money. Please note that during this entire transaction, I have maintained contact with Chase, however they appear to be keeping no functional notes on each phone call. 

I am looking for specific suggestions please. 

It is significant for my wife and I, {$2200.00}, and this was for a trip to see our XXXX  son in XXXX, we would like this money back.
Product: Vehicle loan or lease

I have contacted GM Financial to update my credit reporting. This account has not been updated since XX/XX/2016. The balance and payment histories are inaccurate and they refuse to update it. I have written to them and contacted XXXX in the message center.
Product: Student loan

XXXX XXXX loan in XX/XX/XXXX for XXXX in XXXX. Navient became the " owner '' XX/XX/XXXX. Payments from XX/XX/XXXX-XX/XX/XXXX are not available and repayment balance does not reflect 2 years of repayment. I called to ask about forgiveness since I work in rural family practice. Have received no assistance in this matter.
Product: Debt collection

Settled Student loan in XX/XX/XXXX-XX/XX/XXXX. Recently received notice that ACT was going to garnish my wages which started on XX/XX/XXXX. 
Called ACT to explain that the debt was paid. They said they have notes in their system about a settlement but do n't show proof. Tried to file a hearing to review but they said I need proof of settlement. I kept proof of settlement for 10 years at which time I moved and discarded many old documents that I thought I no longer needed so I do n't have the proof I need to get a hearing. 
This dept. came off my credit report in XX/XX/XXXX or XX/XX/XXXX and I have excellent credit and have n't had this issue cause me any problems since the time I settled the debt. 
I believe that a collection agency has " resurrected '' an old debt. that was, long ago ( 20years ) paid. 
I have read stories of other student loan borrowers who have had this same thing happen and I am not sure how to make this go away since I can no longer produce my copy of the paid debt.
Product: Mortgage

We are trying to sell our trailer that is in XXXX XXXX homes which is part of XXXX community. We have XXXX buyers interested in purchasing our home however when going through 21st Mortgage Company they required a {$20000.00} down payment however, they went and applied through the XXXX XXXX community and was approved on the spot with less money down on a new home and used home. We have been trying to sell our home since XXXX on our own thru a realtor and XXXX XXXX wants 10 % in order for us to sell our home thru them which is completely unfair because getting outside financing for anyone almost seems impossible. These XXXX companies are making it extremely difficult for us to sell our trailer on our own and we almost feel forced to sell thru XXXX XXXX or we wo n't be able to sell it at all.
Product: Debt collection

I had two charges from woman within online clothing. One for {$39.00} and the other for {$39.00}. The woman within store is now called full beauty.. When the money was taken out of my XXXX XXXX account I called woman with band and ask them to give me a list of my purchases, these two purchases were taken off of my XXXX credit card on XX/XX/2020. The representative advised that the last purchase that I had made was XX/XX/XXXX and it was for a different dollar amount from the charges that were debited from my account. After speaking with the woman with the other representative Ive been called XXXX XXXX and did a dispute with you they were gracious enough to refund my money. Today, XX/XX/2020 I received a email from XXXX saying that I owe {$79.00}. I called to explain what happened and that I did not making purchases, I asked the collections representative to please tell me where the merchandise went and she just repeated it at all the money and would not give me the address. I am now live with receiving emails from a collection agency that will not give me any information demanding money. If they were indeed my debts I would pay them but they are not mine. My XXXX ID is XXXX agency XXXX XXXX XXXX, XXXX, PA XXXX Phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report. Please remove from credit report all inaccurate information listed below. This is a FTC violation. 

1. XXXX XXXX XXXX {$990.00} XX/XX/XXXX 2. XXXX XXXX {$2200.00} XX/XX/XXXX 3. XXXX XXXX XXXX {$93.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$9100.00} XX/XX/XXXX 5. XXXX XXXX XXXX {$11000.00} XX/XX/XXXX 6. XXXX XXXX {$650.00} XX/XX/XXXX XXXX. XXXX XXXX {$16000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Furthermore, XXXX XXXX has reported to the credit agencies conflicting information stating under the Additional Information Section of my credit report that " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} ; '' however, they also are reporting that my balance is {$23000.00} of XX/XX/XXXX. I am confident that you will find the attachment as self evident of these facts.
Product: Student loan

I have about {$15000.00} in Stafford Loans that are serviced by FedLoan Servicing. In the past year, I have had a series of negative experiences with this provider. Most recently, I wanted to use part of an XXXX XXXX XXXX XXXX pay off an unsubsidized loan which totaled just over {$2400.00} with unpaid interest included. My education award was over {$5000.00} so I requested {$2400.00} be sent to FedLoan Servicing with explicit instructions that the money first go towards my unsubsidized loan with the remaining amount going towards another loan. They failed to follow these instructions at all, instead applying the {$2400.00} to all of my loans. I wanted the unsubsidized one targeted because it has the highest interest rate. 

This is in addition to enrollment issues I had to work through during the spring and summer. It started XX/XX/XXXX when I received an email saying I would need to start making payments on my loans. This surprised me quite a bit because I was in graduate school, which should have put all of my loans in deferment. FedLoan Servicing told me that they did not have any verification that I was enrolled in school, and that my school 's Office of the Registrar should send in an enrollment verification form. In the meantime, they put my loans on a one-month forbearance. One month later, I received another email saying I would have to start making payments on loans. FedLoan servicing told me that they did not receive the form. My school 's Office of the Registrar confirmed to me that they did, and offered to fax another copy. This copy was not received either, nor was the following copy. Finally, I asked what I should do differently since what I was doing clearly was n't working, and FedLoan Servicing told me I could upload a document directly to my account, which I did and it was processed. This was the exact form my school had sent three times, all of which were misplaced by FedLoan Servicing. 

Overall, I have become rather displeased with the quality of service I am receiving from FedLoan Servicing. It 's to the point where anytime I want to interact with them, I just assume I 'll have to have multiple conversations with customer representatives to work out mistakes they make.
Product: Debt collection

I have tried to dispute this debt for over 2 years now. This is one of the actions I decided to do against ACCOUNT RESOLUTION SERVICES before I go a step further in seeking council and filing criminal charges. I have tried to contact them on a number of occasions via mail and telephone but they have failed to produce the required evidence that proves this debt belongs to me. I have contacted ARS through telephone 3 times and the young lady I spoke with was very rude and upset that I was even asking for the required info, which is required by law for me to have. She even hung up the phone on me after telling me to stop scamming people and just pay your dam bills. This Agency is very unprofessional and really doesn't cooperate with consumers request for debt validations. I've sent a debt validation letter out to ARS on XXXX/XXXX/18 asking for a Contract or agreement along with the promissory note that has my signature on it and they have not responded. On XX/XX/18 I've sent another debt validation letter out and still no response. The problem with ARS is that they have the wrong last name of this debt on my credit report which doesn't belong to me. I even sent them a copy of my drivers license and social security card proving that the name isn't mine and they still refuse to remove it. I have provided ARS with a final letter that is attached to this complaint describing once again how they are in violation. I am asking that CFPB investigate this issue.
Product: Credit reporting or other personal consumer reports

I have never applied nor perform services or business with XXXX XXXX yet there are multiple inquiries all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquires dated XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau are reporting information on my personal credit report that shouldn't be on it without my permission. I've disputed the following items and they still haven't remove them. 

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

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, XXXX, XXXX and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$3200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Product: Debt collection

INTRODUCTION This is an action of forgery in the name and personal information on documents related to student loans of XXXX XXXX. 

STATEMENT Of Facts XXXX XXXX discovered that Aidvantage had forged my name and personal information on student loan documents without authorization or consent. 

I did not apply for or authorize any student loans with Aidvantage. 

Aidvantage knowingly submitted falsified documents to facilitate loan approval, which I did not request or benefit from. 

As a result of Aidvantage actions, I have suffered financial harm, including but not limited to : Damage to credit score, Emotional distress, Potential legal liabilities. 
I attempted to resolve the matter directly with Aidvantage, but no corrective actions were taken. 

CAUSES OF ACTION COUNT I : FORGERY XXXX XXXX incorporates by reference all preceding paragraphs. 

Aidvantage knowingly and willfully forged XXXX XXXX 's name and personal information on official loan documents in violation of. 

COUNT II : FRAUD XXXX XXXX incorporates by reference all preceding paragraphs. 

Aidvantage actions constitute fraud by making intentional false representations of XXXX XXXX 's information to secure student loans without authorization. 

COUNT III : NEGLIGENCE Aidvantage breached its duty of care to XXXX XXXX by failing to ensure that all documents were properly verified and authorized by XXXX XXXX. 

Aidvantage negligence directly caused XXXX XXXX financial and emotional damages. 

COUNT IV : VIOLATION OF FEDERAL LAWS Aidvantage violated federal statutes, including but not limited to the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ), by submitting falsified loan documents under XXXX XXXX name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681 - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. XXXX information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTCT the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. XXXX XXXX XXXX XXXX ( XXXX XXXX ), they may be liable for false reporting. 
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I will be filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. I have requested that you provide proof of the alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.
Product: Credit reporting

Transunion, like XXXX, like XXXX have as normal decided to write the rules, and support bad behavior that the law was created to protect, they do n't actually investigate any credit report errors. In my complaint, as with my father, my grandfather, my brother, and myself, they instead of reporting accurately, include the names of my relatives to support leaving inaccurate information upon my credit report, in my case they have verified accounts, in verification verified that they belong to my father, XXXX XXXX, my brother XXXX XXXX XXXX or my grandfather XXXX XXXX XXXX, but include upon my credit report as verified. They are breaking the law, but seemingly realize they write the rules, and does n't abide by any regulatory requirements, in my case they have XXXX repossessions for us auto credit, and XXXX that belong to my relatives, they have a charge off for paces run apartments, where I have never lived, but to cover up their wrong doing, include inaccurate names associations, and address to cover up their wrong doing.
Product: Credit card

My Complaint is in regards to my credit card with Bank of America there was a payment made in XXXX made through and Insurance company that I purchased through Bank of America in the event I had any life changes. The problem is I was just made aware that Bank of America no longer conducts business with them. As result I 'm out of the money that I paid to the insurance company. Well XXXX there was a refund sent to Bank of America on my behalf. Instead of Bank of America sending me the check they applied as a a credit which brought the balance down. No problem right. None for me as well however not only did they bring the balance down they said that is not a payment. Its a credit, I said this is something that I paid monthly and its not like I went to the store and purchased something and than returned it in that case that would be a credit. This service was to be provided for customers in the event they were unable to pay there bill. The issue is Bank of America accepted the payment and than charged me late fees .Closed the account and reported me late to the credit bureaus. I 've made a numerous of attempts to reach out to them and have yet to have this matter resolved recently my wife reached out to your office and a complaint was submitted and we received correspondence from a woman by the name of XXXX XXXX who works with XXXX department of customer care for complaints. Let me start off by saying she was absolutely rude and combative and I hope I never need to deal with her again. She sends us an email stating she wants to resolve this issue please give her a call and than we call her and she is very combative. My wife resubmits a complaint addressing the level of dissatisfaction we received only for the complaint to go back to the same person whom was the one that was being combative. The problem is Bank of America is receiving my money that I work hard for applying to the account and saying there is n't a payment that was n't made because this came from the insurance company. The insurance was again in the event I was unable to pay my bill they would pay it. Although Bank of America no longer does business with this company. The insurance company refunded the consumers some of the money and it was either sent as a check. Bank of America takes my money and than says there is not payment it is a credit. Which cant be a credit because that was a payment made for a service that was never rendered. What Bank of America is doing is stealing. They are charge me a late fee for something that was n't late. Its no different if I have a friend pay my monthly bill. You cant say your applying that payment as credit because someone else paid and that charge me late payments. That is completely unethical.