23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have reached out to these companies stating that I have no knowledge of these unknown fraudulent inaccurate negative accounts. I disputed these accounts and requested verification from these companies but they have failed to do a complete an investigation and provide me with any signed contracts, acknowledgements with my written consent, and any individuals names that were interviewed doing the investigation process. It is noted on both unknown fraudulent accounts that these items were disputed by consumer but meets requirement of the FCRA. Experian is ignoring and violating me as a consumer and did not complete a FAIR investigation within 30 days on my behalf which is a violation of my consumer rights. These unknown fraudulent negative accounts has caused my family and I embarrassment, financial hardships, and XXXX  XXXX  due to being declined credit. I have provided 2 forms of identification to verify my identity.
Product: Checking or savings account

On XX/XX/XXXX I deposited XXXX tax refund checks XXXX for XXXX XXXX dollars and another for {$930.00} I did this at the bank with a teller and was told it would be delayed and funds would be available on or before the XXXX. A few days later in the mobile app I saw the checks were on hold and would be available the XXXX I called several times to see if the check can be verified before then but no one even bothered to call the paying bank. On the XXXX I received an email saying my account was restricted I called and the reason was because the checks couldnt be verified even though they hadnt even attempted to call the paying bank yet. I was told by a customer service agent that the check doesnt state that its a tax refund so it cant be verified and my funds will be suspended once they clear this upset me and was ridiculous so I asked to speak to someone else and was connected to a supervisor who helped me get the checks verified I was then informed that a request to unrestrict my account was put in and the funds will be available on the XXXX. Today is the XXXX and the checks have cleared however my account is still restricted so I contacted them yet again several times and they said I wont be able to access my account until the XXXX even though everything has been verified I am incurring interest on the state fee to my taxes and Im unable to pay it because the funds are unavailable to me and I also have bills to pay and things to take care of I dont understand how this is legal.
Product: Payday loan, title loan, personal loan, or advance loan

EmoneyUsa makes had a ridiculously high predatory loan rate, then after communicating with customer service about requesting to revoke ACH permissions all of a sudden I can't access any information from their online portal, unable to even sign in currently to view current balance, loan agreement etc.....
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute some errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified some inaccuracies : -- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I submitted my income based repayment certification through studentloans.gov. Loans serviced by AES were decertified with no issues. XXXX asked for more information, which I sent. After two unanswered emails about the status of my recertification, XXXX said they needed another document. I sent it and my recertification was approved for the amount of {$140.00} per month. However, my bill for XXXX was posted and it is for {$450.00}. I have emailed XXXX twice about the issue and have not received any response. I can not call because I have XXXX and do not have a XXXX. I have not yet paid the bill because I can not afford to and I dont want to mess up my qualifying payments for PSLF.
Product: Credit card or prepaid card

On XX/XX/XXXX, Walmart switched from XXXX XXXX  to Capital One for their credit card services, and I was notified of this switch well in advance via the Walmart app 's credit card services. My account and information transferred correctly ; however, I had attempted to use my Walmart Credit Card to make an in-store purchase on XX/XX/XXXX, and the card was declined. I used my card on XX/XX/XXXX for {$37.00}, so I thought it was weird that the card declined only a few days later when my limit is {$100.00}. I checked the Capital One app to see if my card was disabled or if I may have received a new Walmart card that I needed to activate. My account gave me an error message, stating " this credit card account is currently restricted. '' I had called to XX/XX/XXXX to see why there was an issue with the card and why my account is restricted. I was told that my account had been closed by Capital One, but the representative told me that he could not see the reason for this account closure, nor could he reopen the account. I waited a week to see if I received a new card for this account, and again, I called to see why my account was closed and how to dispute this action. I was told that Capital One closed the account due to " returned payments '' and that the representatives could not do anything about this, but my billing statements and payment screen on the Capital One app correctly reflects the charges and payments I made to this account. On XX/XX/XXXX, I received a letter from Capital One at my permanent address dated for XX/XX/XXXX. This letter explained that my account was closed " because of activity on this account or another account that is not consistent with our expectations for account usage and violations of the Capital One Customer Agreement. '' However, I never signed or agreed to any Capital One services, nor did I agree to the transferring of my Walmart XXXX Credit Card account to  Capital One. Thus, I was not made aware of any Capital One Customer Agreement that I could have violated, and Capital One is not explaining what I had done that was not consistent with the customer agreement. According to the records that I am able to see, I have made payments on time and received rewards for my purchases that I am not able to redeem since my account is closed. I have not received or been given access to a billing statement that reflects charges and payments made after XX/XX/XXXX. Because of the actions of Capital One, my credit score has been negatively impacted by the closure of this account.
Product: Credit card or prepaid card

RE : Complaint ID # XXXX I just received a letter from TD Card Services regarding my dispute with XXXX XXXX XXXX dated XX/XX/XXXX. 
They state the following : I opened a claim on XX/XX/XXXX in the amount of {$5800.00} XX/XX/XXXX I was issued a refund in the amount of {$290.00} and stated I did call back to dispute the whole amount of {$5800.00} and not just the {$290.00} from XX/XX/XXXX, which is on record. According to documentation I disputed the whole amount of {$5800.00} with my first phone call to TD Card Services on XX/XX/XXXX. 
TD Card Services closed the case on XX/XX/XXXX, which was after the 90 day limit. When I called they said it was a mistake and the case was re-opened. TD Card Services said I re-opened the claim when actually I did not re-open the claim, TD Card Services did as they stated to me it was due to an error on their part. 
TD Card Services again went past the 90 day limit. I received a letter ( please see attachments ) dated XX/XX/XXXX. Also please refer to Complaint ID # XXXX. 
I do believe in my opinion that because TD Card Services did not do their due-diligence and went past their deadline to recover the {$5800.00} from XXXX XXXX XXXX, which is stated in the letter addressed to me~ that they no longer have charge back rights. They are discriminating against me even though I have gone over and above of what TD Card Services has asked of me and been more then patient since XXXX regarding this dispute. I honestly thought they would back me up in this dispute as I have been with TD Card Services for many years. 
Please refer to Complaint ID # XXXX for all the documentation and notes regarding this claim. 
Spoke with a supervisor named XXXX. She said the dispute has not been closed. She had no information about the attached letter I received about it being closed. She if indeed the dispute was closed it be re-opened yet again. She also stated to me that she would be calling me back on Wednesday XX/XX/XXXX before XXXX or Thursday XX/XX/XXXX by XXXX EST with a resolution. I didnt hear back from her by said date and time. I called TD Card Services on Thursday XX/XX/XXXX at XXXX and was put on hold for XXXX minutes. Spoke with a customer service supervisor named XXXX. He could not the previous supervisors notes. He could tell if my case was re-opened as XXXX stated to me. He did however open a new case ( case # XXXX within TD Card Services. XXXX said he or XXXX would be reaching out to me on Monday XX/XX/XXXX or Tuesday XX/XX/XXXX at least with a resolution.
Product: Student loan

My federal student loans were originally with XXXX as my servicer then they were transferred to XXXX-my loans now show a {$0.00} balance and no one can tell me what happened. I don't know if XXXX cancelled them-I just don't know what is going on and everytime I call Aidvantage I get the same response, no one can tell me anything. Even when I call my calls are redirected. I want to start making payments but I don't even know what I owe or if I owe anything. I called XXXX and they told me I don't owe anything.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. It is damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX Account number : XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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

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 or other personal consumer reports

XX/XX/year> {$800.00} XXXX XXXX  agreed to remove acct once payment was made
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

On XX/XX/XXXX, I spoke with Experian, XXXX, and XXXX representatives concerning the potential of bogus accounts being made using my customer data. I implored everyone to delete these accounts since I had no idea how they got there. All three companies advised me on how to keep track of things and fill out an FTC form. On XX/XX/XXXX, I sent my information by ordinary mail. Even though I had filed my letters more than 30 days before since they had been " verified, '' the accounts that were not mine were still shown in my paperwork. This situation bothers and irritates me since it inhibits my family and me from purchasing a property. On XX/XX/XXXX, I contacted the three firms again to see how they could prove that these accounts belonged to me. They suggested me to speak with the debt collectors directly since they indicated there wasn't much else they could do to help me. Every bank that the client called at the same time and referred to me had been phoned incorrectly ; they had no idea who I was or what the accounts were about. An online check was conducted to ensure that I was not mistaken. My buddies advised me to visit the CFPB website. I'm hoping this works since my family and I need need the house we're attempting to buy.
Product: Debt collection

I HAVE MADE SEVERAL ATTEMPTS TO GET THE FRAUD CLAIM REPORTED BY JEFFERSON CAPITAL SYSTEMS LLC. THEY ARE FRAUDULENTLY ATTEMPTING TO COLLECT A DEBT ALREADY CLOSED AND SETTLED. THIS ACCOUNT WAS SETTLED IN XXXX. ATTEMPTED TO BE COLLECTED IN XXXX BY TRUE ACCORD. THIS NEEDS TO BE REMOVED FROM THE XXXX REPORTING BUREAUS. JEFFERSON CAPITAL SYSTEMS LLC IS A BLACK LISTED COLLECTION AGENCY AS WELL FROM INFORMATION I HAVE FOUND.
Product: Mortgage

In XXXX Wells Fargo Mortgage commenced a foreclosure action. I tried to modify my loan in XXXX but was denied without explanation. After extensive litigation, I converted my request for a modification into a request for Short-Sale relief. On XX/XX/XXXX my Short-Sale package was fully submitted with a {$400000.00} value to offer supported by comps. Wells did not respond to my Short-Sale requests for over 2 months. I have also filed a Notice of Error complaint for wrongful denial of a Modification that Wells has not finished investigating. I sent a " bad faith '' email & fax to Wells and its attorney for failure to process my Modification and Short-Sale pursuant to the Servicing Standards under the National Mortgage Settlement. See, Notice of Error letter, Request for Adjournment of the XX/XX/XXXX Foreclosure Sale Date, & " Bad Faith '' Email.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 XXXXXXXX
Product: Credit card or prepaid card

I have spent more than 8 hours of my time trying to resolve this credit card fraud issue with Bank of America I am attaching my phone records which have highlighted the numerous calls I have made. On three separate occasions I made calls to the fraud department and instituted the fraud review. Each time I was assured that the charges would be refunded only to have the fraudulent charges be reinstated on my bill. The last time I spoke to someone at BofA, I escalated the matter to a supervisor ( XXXX ) on XX/XX/22. I submitted a police report to XXXX ( attached ). She explained that BofA 's computer algorithm was not designed for my situation and my fraud claim would likely be rejected. Timeline of fraud : on XX/XX/22, I got gas at XXXX on XXXX XXXX, XXXX CA. I don't know how I lost my card but the first fraudulent transaction occurred there after I got gas there. I didn't know I had lost my card until I got a suspicious transaction report via email from BofA on XX/XX/22 at XXXX ( attached ). XX/XX/22 I responded that I did not recognize the transaction and cancelled the card that night. The next morning I researched the charges and determined that {$4800.00} charges were fraudulently made XXXX. I use the BofA card for many online purchases. My review of the charges during that time excluded any of those charges and only includes the physical card fraudulent purchases that neither I, nor the other cardholder ( XXXX XXXX ), made. XXXX and I are willing to provide attestations to this fact. We are both attorneys and willing to take the steps necessary to make sure this is resolved.
Product: Credit reporting

XXXX XXXX shows one missed payment and sold or transferred this was paid in full on time
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for reading my request about this account with your company. I am writing today because, during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX and XXXX. 

I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard XXXX mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance
Product: Credit card

XX/XX/XXXX purchased two airlines tickets from XXXX, XXXX to XXXX, PA on XXXX for {$620.00} each. 

Flight purchased from XXXX XXXX detail : Conf # XXXX XXXX, XX/XX/XXXX XXXX  XXXX from XXXX to XXXX, GA departing XXXX, arriving XXXX XXXX  XXXX from XXXX to XXXX, PA departing XXXX, arriving XXXX On the day of the trip, we received an email from XXXX stating that the flight from XXXX was delayed by almost two hours. XXXX customer service sent a message stating that we would miss our connection and suggested that we rebook our flight. 

XXXX said they were unable to help us, as we initially booked and paid XXXX. XXXX said they were unable to help because it was a XXXX flight. Of note, for six hours, I was only able to connect with the airlines over text messaging as they never answered the phone. 

As a result, we booked a more expensive flight home and had to fly into XXXX, NJ and pay for a car to take us to XXXX. 

I filed a refund request with XXXX. They said I should file it with XXXX. XXXX said I should file it with XXXX. XXXX has not responded to anything. This has been going on for almost five months. 

I filed a dispute for both tickets with Chase XXXX XXXX XXXX. They refunded one of the two tickets. The other ticket ( {$620.00} ) was disputed twice and Chase continues to say that they decline the dispute. One time they said it was because we didn't present for the flight. That's not true. XXXX told us to rebook, yet gave us no rebooking options or help. They had no other flights that day and after six hours of begging for help, we booked on another airlines. 

I have called Chase several times and spoken with the people in their local office about our dispute ( Claim XXXX ) and they refuse to do right by us. 

We our outstanding Chase customers with excellent credit ratings. We have tried our best to get the Airlines to do right, but they won't since Chase has ruled in their favor. 

Chase is not serving us, instead they are serving XXXX whom we paid but did not deliver a flight home for us. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like assistance with my credit report. I have two accounts that have been written off as " bad debt '' showing on XXXX that are hindering me from being approved to buy a house. One account is with Castle Credit Holdings for {$1500.00}, it says it was closed XX/XX/2018. The other is with XXXX XXXX XXXX for {$1100.00} and says it was closed XX/XX/2018. Under the Fair Credit Reporting Act it states that if you lost your job or were put on unemployment they have to close the account and remove the debt. I see they are closed on XXXX, but why are they still showing? Shouldn't they be 100 % removed as i lost my income? The same two accounts also show on XXXX, except the account for Castle Credit Holdings still shows as an open account on XXXX. I am also seeking legal advice this week from a local  attorney to dispute these items. Castle Credit Holdings directly harassed me calling me literally two days a week to remove the debt. I told them i lost my job, but was receiving unemployment. I told them all i could afford was $ XXXX  monthly, but they refused the $ XXXX  monthly and told me it was not even what my monthly payment was so they would not take it. Can they do that?? I was always told they can not refuse any monthly payment if you are trying to clear a debt. How is that fair for them to keep ruining my credit yet over a year ago i tried to pay them all i could monthly to start clearing the debt and was refused!
Product: Debt collection

I recently was informed ( after a title search on my property ) that there was some judgement ( I was never aware of ) for Midland Funding. I have never had any sort of relationship with this company. Therefore, I have requested ( with no response ) how they somehow obtained some debt, judgement for me. I did a search online. I see that Midland Funding and Midland Credit Management have partnered to service accounts ; per this website I came across https : //www.midlandfunding.com/. More importantly I came across this site from a law firm which references many violations per the ( FCRA ) Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, etc. I believe these complaints should be taken seriously and investigated. I am another consumer with similar complaints. Perhaps the Attorney General should look into this company. Some of the consumer complaints are serious as it is on borderline of harassment, illegally debiting customers ' accounts, etc. I want to know how this Midland Funding obtained some ( so called debt ) and judgment for me. I would like an explanation of an itemized transaction history, previous charged off accounts, creditors, payoffs. Midland Funding more than likely obtained a charged off debt from another creditor. I want to know who the original creditor is. I feel more comfortable paying that ( original creditor ) I owe debt to directly, since I might have had a prior relationship with them. I don't have an account number, only a document which provides Court judgement info. I will request a court/judge demand the information I am requesting if it isn't received. Also, a judge to vacate judgement for lack of service. I never received any notification from Midland Funding. XXXX XXXX XXXX