23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numberous times and reporting discrepancies, my finical institution and XXXX failed me to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions were infeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a loan in full on XX/XX/2018. I filed a dispute with equifax but the employee disputed company, not balance. XXXX of equifax stated it was their fault. However, I had to submit new dispute ( XX/XX/18 ) to get the balance updated to XXXX. XXXX says it will take another 30 days to correct the mistake. It is now 90 days since the balance was paid in full and has not been updated on my report. Customer service blames XXXX XXXX but XXXX confirms they provided correct info, XXXX balance. 

There is not a number to call a supervisor directly nor is there a way to submit complaint via email. I am sending to you as there is not other recourse. I hope you can assist me with this issue. Thank you!
Product: Mortgage

XXXX XXXX I started refi with Amerisave. They gave me a quote on 2.75 % and said they could close in 2-4 weeks. I tried to communicate with the loan processor via phone, text and email. No response. Next thing I know I got an email my refi app was cancelled. I gave them {$500.00} up front. The loan processor or the general phone vm did not respond so I spoke to the original person. He said my app was closed because my home was up for sale. I asked for proof because my home was not up for sale. He said he would take care of it. It took over a week and then they wanted me to sign docs within 48hrs. I had questions and asked for a response to sign in 48hrs. They never locked in my rate and tried to have me sign paperwork saying my rates were floating and all my fees could go up. This was not what I agreed upon when I gave them {$500.00}. There was never a response to my questions and now Im asking for my {$500.00} back. No response of course. I have stellar credit and no debt.
Product: Debt collection

Originally I signed up thru XXXX XXXX in XXXX. XXXX was bought by XXXX XXXX and they discontinued XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This service required a premium data fee. After XXXX discontinued the XXXX XXXX service i was set up on a XXXX XXXX XXXX XXXX XXXX service. Even though I was set up with Unlimited services they continued to charge me the XXXX XXXX service fee for years until I found the error late last year.. XXXX  bought out XXXX and accepted liability for the account when doing so. I tried to get them to credit me the money back and they refused. I have been on that same plan since XXXX I pay my bills.I find they have siphoned off XXXX dollars a month for XXXX plus years. I tried to talk to them, and get a stiff arm when I inquire about the theft. I refused to pay my bill when they owe me so much in false charges until they could justify them. In return, they ruined my credit and remain indignant about they theft of my monies. It wasn't even XXXX days after I cancelled services before the collection agency CREDENCE RESOURCE MANAGEMENT was calling me. Which is illegal I believe to turn over to collections so soon and without trying to resolve it. I asked the collection agency for a Validation letter and received nothing except another bill in the mail. No validation of my ownership of this debt.
Product: Credit reporting or other personal consumer reports

I am writing to you for the second time to address the persisting issue of fraudulent items on my credit report. Despite my previous efforts, the items in question remain, and I find it necessary to bring this matter to your attention once again. 

In my initial dispute, I provided detailed information and supporting documentation to demonstrate that the items on my credit report are indeed fraudulent. Regrettably, I have yet to see any resolution or removal of these inaccuracies. 

The fraudulent items are adversely affecting my credit standing, and I am concerned about the potential repercussions this may have on my financial well-being. I have taken all necessary steps to comply with your procedures and have submitted the required documentation to verify my claims. 

I kindly request that you conduct a thorough and expedited review of my dispute, taking into consideration the evidence I have previously submitted. Transparency in the resolution process is crucial, and I expect clear communication regarding the progress and outcome of your investigation. 

If there are any additional steps or documentation required from my end, please notify me promptly so that I may provide the necessary information to expedite the resolution process. I am committed to cooperating fully to ensure the accurate and fair reporting of my credit information. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

XXXX XXXX XXXX report to chexsystems XX/XX/2019 it was in maryland and i live in Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Debt collection

IC systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent collection notice in the amount of XXXX for a debt that is not owed to them in that amount. In addition, I see systems Inc can not be verified with the information from the notice and outside contact information via internet nothing matches up. IC systems Inc also exposed my complete full name and address including middle name which will cause identity theft they did not utilize protective measures. IC System Inc is a fraudulent collection agency.
Product: Checking or savings account

Opened new account with Truist and initiated funds transfer for mandatory opening deposits from external account with XXXX XXXX. Despite test deposits being received from Truist, bank stated they were unable to verify my external account to verify. I then wrote myself a check from the same account for {$150.00} - {$50.00} min deposit for XXXX accounts to meet the opening requirement and deposited via mobile check on XX/XX/year>. I received an email that a hold was placed on deposit. Which I know is standard on new accounts. On XX/XX/year>, I received a XXXX deposit for {$1000.00} ( covering the {$150.00} deposit for my personal mobile check deposit ). On Monday, XX/XX/year>, I went into the local Truist branch to withdraw cash bc my debit card was still not be received and was told that my account is frozen and my check was returned for insufficient funds. I was told i can not take any cash out despite the fact that i have no groceries in my house and a hungry baby at home. They didnt care that i have the funds to cover the deposit and that I have proof the {$150.00} is in my account and the funds are actually available. 

XXXX the fraud manager i spoke to refused outright to request that this issue be expedited and told me that in 7 days Inwill know if I will have an account I can access or if a CHECK will be sent in the mail closing my account- which I then will not have a bank to even deposit these funds to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 ( A ) ( 4 ) states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.

15 U.S.C 1681 section 604 ( A ) ( 2 ) states In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681C ( A ) ( 5 ) states no consumer reporting agency my make any consumer report containing any of the following items of information : Any other adverse item of information, other than records 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inaccurate bankruptcy information and Experian refused to dispute information through contacting the court house. I would like this inaccurate information deleted. 
Thanks
Product: Credit reporting or other personal consumer reports

Failure to Report Account Information Accurately Despite timely payments and responsible credit management, the bureau has failed to accurately report essential account information, leading to an incomplete and potentially misleading credit profile. This oversight may adversely affect my creditworthiness and financial opportunities. I urge a comprehensive review and prompt rectification of the inaccurate reporting to ensure the integrity and fairness of my credit report.
Product: Credit reporting or other personal consumer reports

Attached to this complaint is a letter I received from XXXX XXXX XXXX, XXXX ( XXXX ) on XX/XX/XXXX  informing that they had a security breach on XX/XX/XXXX  and my personal information such as my Name, Date of Birth and Social Security Number was compromised and stolen by an unauthorized third party. The following accounts thats currently showing and listed on my XXXX and Equifax credit report is the result of the data breach and are fraudulent accounts : XXXX XXXX XXXXXXXX, {$210.00}, XX/XX/2023, XXXXXXXX XXXX XXXXXXXX, {$330.00} , XX/XX/, XXXX XXXX XXXXXXXX, {$610.00}, XX/XX/2023, XXXX XXXX , XXXX, {$320.00}, XX/XX/2023 and XXXX XXXX XXXX XXXXXXXX XXXX {$250.00}, XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute some items on the credit report. The are violating my Rights.
Product: Bank account or service

I have an ADP Aline card which is an employer sponsored card to receive direct deposit of checks. On XXXX XXXX, 2016, I went to a restaurant and place an order utilizing my ADP card. Unfortunately, I had to cancel the order due to bad service and inedible food. I told the clerk to cancel the order and he said he could not. The transaction was registered as a credit card purchase. I collected the receipts and did not sign for the order. I contacted ADP Aline on XXXX XXXX, 2016 and requested that the pending transaction be stopped due to an unauthorized transactions. I was informed that a dispute was formulated and that I should find out about the transaction in 7 calendar days. Consequently, on XXXX XXXX, 2016, I checked my account to see no credited balance. I called and spoke with a manager of the organization and was told that they called the merchant and the purchase was authorized. However, it was not. I asked if they had my signature on receipts they responded no. I then asked to start the dispute processed again and was told that I would need to provide an address for mailing legal correspondence. I informed the manager that I have no mailing address at the time and if they could mail it to my nearest post office, she responded, " no. But we can mail it to a friends house. '' Thus, due to me not having a physical address I was denied the right to dispute the transaction. Additionally, I have monies deduction from my account without authorization. What can I do?
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries. To whom this may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. I did not secure an account with any of the following companies which is securities fraud and did not authorize my credit to be pulled during the highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are as follows : Transunion : XXXX XXXX XX/XX/XXXX, and all other pulls from this company, XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXXXX/XX/XXXX, and all other pulls from this company, XXXX XXXXXX/XX/XXXX, and all other pulls from this company, XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company, XXXX XXXXXXXX XXXX XX/XX/XXXX and all other pulls from this company, XXXX XXXX XX/XX/XXXX and all other pulls from this company, XXXX XXXX XX/XX/XXXX and all other pulls from this company, XXXX XXXX XXXX XXXXXX/XX/XXXX and all other pulls from this company, XXXX XXXX XX/XX/XXXX and all other pulls from this company, XXXX XXXX XX/XX/XXXX and all other pulls from this company, XXXX XXXX XX/XX/XXXX and all other pulls from this company, XXXX XX/XX/XXXX and all other credit pulls from this company, XXXX XXXX XX/XX/XXXX and all other pulls from this company.
Product: Debt collection

I received a solicitation in regards to a suit filed against me and they could help me. I contacted the original debtor and said turned over to collection agency to contact them ( never received any bill. Thought insurance paid ). I contacted the collection agency, spoke with XXXX, she mailed me a bill statement. Said it had been turned over to magistrate court, I have not been served. I paid {$100.00} on their online pay portal on friday, XX/XX/2020. XXXX called me confirming my payment n stated I need to come in the office to go ahead and sign a consent judgment. I told her I work out of town and was unable to do so. I decided today to pay the debt in full ( including the court cost even though I STILL HAVE NOT BEEN SERVED ). I paid, got a confirmation number via their pay portal. I receive another call ( on my job ) stating I have to come into office to sign a consent. They start allowing ppl in the office on Thursday of this week. I proceed to tell her I paid in full to keep from doing that because of my working an hour out of town and she kept on and on and finally told me she would not accept my paid in full payment without the signing of the consent. What would I be consenting to pay if I paid in full? That makes no sense to me. I have where I paid in full on the portal with the confirmation number. If she couldnt accept payment in full today without my signing the consent, why did she accept the {$100.00} payment I paid on Friday?
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 privace and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2. 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.

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

Company : TD Auto Financing Around week ago I added new banking account to my auto payment settings, and deleted old banking account done on the same day. because I was planned to close old banking account. 

Today I got a phone call from XXXX XXXX XXXX  which is my old banking account regarding the charged balance around - {$660.00}. Since My First General Bank account had remaining {$120.00} I was decide to close it, but XX/XX/2024 TD Auto Financing still charged me {$790.00} from the banking account I deleted so I got overdraft - {$660.00} today that I need to pay.

I called TD Auto Finance asking this reason why they still charged old banking account I deleted on auto payment settings and their answer is vague. They said I need to confirm the old banking account I deleted, YES I did, I did add prior the day XX/XX/2024 which usually the auto charged begin. 

TD Auto Financing won't compensate me regarding my old banking account overdraft. I did the banking accounts switched for auto charged then deleted old banking on the same day prior XX/XX/2024, but they still charged me from old banking account. I got overdraft.
Product: Credit card

Chase credit card provides an interest free period with the upfront payment of a transaction fee. The terms page with expiration date of the zero interest is at the end of the statement after the disclosures page and separated from the the main part of the statement. The expiration date for the interest free period is changed to blank on the statement for the month the interest is charged. However a zero percent interest is still shown. The expiration date for another zero interest advance is shown below it which can be misinterpreted as the expiration date for all advances. On the following month 's statement the advance amount is then placed in a different location showing the new rate. This is after the rate is charged. The changing of location of the advance amount, the excluding of the end date, along with a different date for another advance can make it confusing as to exactly when the interest free period ends. Other less significant information is more clearly provided. I have not had this confusion with statements from any other credit card companies. 
Upon contacting Chase, an agent offered to refer me elsewhere to resolve the problem. Later he stated he was aware that those alternatives were of no use. He stated that interest charges were not disputable. Several of my questions to him about disputes were not answered clearly or directly or were responded to with ambiguous terms.
Product: Mortgage

I originally applied for a loan modification months ago. I was given unemployment forebearnce program. I then applied for a loan modification when my unemployment ended. I have been being declined 4 times. 

They keep saying that my new payment is going to be higher than my modified payment. I have appealed this because they are NOT taking into consideration that I am LOSING money from my trucking business and they need to take both jobs under consideration. First my XXXX income and then SUBTRACT my losses from my trucking income. 

Why issue a unemployment program forebearnce program and then NOT help someone get modified and put them MONTHS in arrears. I need my loan modified. 

I do not want to lose my house to foreclosure. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach, and my information may have been compromised according to Equifax 's website.
Product: Debt collection

Today, my wife came home and a young man handed her a stack of legal documents and a open envelope. The documents included court papers, copies of my credit card bills, a citation, a petition - civil case, and an affadavit from XXXX XXXX. Additionally was an open envelope with a yellow piece of paper from XXXX XXXX XXXX indicating this to collect a debt. The young man advised my wife the papers were on the sidewalk outside our apartment. Im not sure how long this communication has been outside. My personal information was left outside wide opened detailing my personal information for a passerby to see. This has to be illegal to allow my private financial matters to be left outside in public view.
Product: Payday loan, title loan, or personal loan

On XX/XX/19 I received an email Rocket Loans informing me that I have " Exclusive Offers. '' Shortly after submitting my application on the company 's website I received a response stating I was denied the loan. on XX/XX/19 I replied to the email requesting an explanation as to why I keep receiving offers to apply for the loan. I received a response from Rocket Loans Support stating the company uses an automated system and their decisions are based on credit reports and my income. I responded to that email by pointing out that the company unscrupulously soliciting business by misleading me, and I'm sure other consumers, into believing that I was qualified for a loan. On XX/XX/19 I received an email from XXXX XXXX, VP, Sales, informing me at all of the appropriate disclosures are at the bottom of the original email. As you can see in the attachment, the company clearly highlights the suggestion that one sees their respective offers before reviewing any disclosures. 
On XX/XX/19 I received two more offers from Rocket Loans, only a few hours apart. Clearly Mr. XXXX ' response is disingenuous.
Product: Mortgage

Have been trying to modified or short sell this property with no corporation with the lender and will not give enough time to do so. ON XX/XX/XXXX OF 2018 I SUBMITTED A MODIFICATION PACKAGE and then was told no time to revive it due to pending sell date. On XX/XX/XXXX of 2018 I submitted short sell package and then again was told, no time to review it cause of the sell date. This happened again for the month of XXXX of 2018. The Amount of XXXX.