23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it might concern ; I was on vacation in XXXX XXXX staying at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My husband and myself were looking for a taxi on XXXX XXXX  from the hotel to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The ride is XXXX XXXX each way. 
I looked up XXXXXXXX XXXX, however the wait time was too long, price range was between XXXX XXXX each way. 
I was approached in the hotel lobby by XXXX XXXX named XXXX XXXX, stating that he can take us to the stadium and I can use credit/debit card. He was driving XXXX XXXX XXXX XXXX XXXX XXXX 
We used XXXX XXXX XXXXXXXX from the airport to the hotel ( further distance ) and were charged {$100.00}. 
XXXX did not disclose that he will charge us {$360.00} to the stadium, we agreed on {$100.00} each way. XXXX XXXX also agreed to pick us up from the stadium at the same price. 
XXXX did not provide us with any sort of receipt, and no amount was showing on display. No signature was provided. 
I received a fraud alarm when we tried to pay after dropping off back in the hotel, The alarm was asking to approve {$250.00} authorization. 
That authorization was approved as I assumed that was the cover for each ride. 
I received an additional charge of {$720.00} from XXXX XXXX, which was not approved either. 
My husband XXXX XXXX contacted XXXX XXXX via text message trying to resolve the issue. 
XXXX stated that he provided limo service, however, no limo car was provided nor requested. 
Please see XXXX XXXXXXXX XXXXXXXX XXXX XXXX. Website states his prices, {$750.00} charge is for all-day service which we did not request nor receive. 
XXXX overcharged us based on false demand, which is also illegal. 
Bank Of America refused to represent our case due to the inability to provide a receipt. 
However, they sent us a text message with a fraud alert at the point of authorization.
Product: Checking or savings account

I tried to purchase a router on XX/XX/XXXX on XXXX website. XXXX website redirected me to XXXX  to complete the transaction and it was approved on the XXXX website ( Loan payment provider ). So I got charge for a downpayment {$100.00} on XX/XX/XXXX ( see attached image ChargeFromXXXX screenshot from chase bank website ) When I check on my email or XXXX  website order history, it shows nothing, no order detail no transaction can be found under my account. ( see attached image NoOrderOrTransactionFromXXXX  ) So I tried to contacted XXXX  website ( the loan provider ) to submit a complain ticket and I got the answer. ( see attach images XXXX ) That the loan ( ID : XXXX ) is approved and charged me for {$100.00} for XXXX product XXXX I told them I have no order confirmation email or any transaction that can be found under XXXX website. They ask me to contact merchant ( XXXX ) to solve the problem. 

So I contact XXXX ( XX/XX/XXXX ) and created a ticket XXXX to investigate my problem and got the response from XXXX billing team said there is no charge or any transaction that can be found and case closed. Please see the attached screenshots for reference that i had been charged for {$100.00} Then I contact Chase bank ( XX/XX/XXXX ) for a claim for the transaction ( Reference # XXXX ). They give me temp. credit on same date. But this morning ( XX/XX/XXXX ) they send me a letter and told me that the transaction is valid and they will remove the amount {$100.00} from my checking account. THIS IS NOT TRUE. I DID NOT receive any product or service from XXXX website. 
So I wrote a letter to Chase ( see attached image LetterToChase.jpg ) and call them 3 times and they said the claim is final and refuse to reopen my claim nor to refund me my money. 

If you need more information, please contact me. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$19000.00}.
Product: Prepaid card

I have a dasher direct prepaid card that was provided to me my XXXX so that I can immediately receive my wages. I have had this card for a few months and have had no issues until now. 

On XX/XX/XXXX I tried using my card at XXXX in the box for a small order ( around $ XXXX ) but it kept getting declined. I initially thought there was something wrong with the restaurants system, so I went to sonic and the same issue kept happening. I contacted door dash support and the representative asked me XXXX security questions ( due to her thick accent I had a hard time answering the first question, but immediately provided the correct answer once she repeated herself slowly ). The representative then stated a hold was placed on my card by a third party. I asked if there was anyway to get it removed and she said yes, but that I would have to be escalated. She then transferred me Since I had to get back to work, I was unable to stay on hold so I disconnected with the intention of calling again after work. Later that evening, I called again and spoke to another representative who stated that my situation had to be escalated and that I would be receiving a call from the escalation team within XXXX business days. 

On XX/XX/XXXX, I called XXXX support again because I had not yet heard from the escalation team. I told the representative that I needed this resolved today as this was my third time calling and by this point it has been past the XXXX business day timeframe provided. The representative asked me XXXX security questions ( XXXX that I never choose as a security question and the other I know for a fact I answered correctly ). The representative then stated that I answered both incorrectly and since he could not verify my identity, there was nothing he could do. I asked to speak to someone above him and was told a supervisor would call me in XXXX hours, the representative then hung up. 

This has caused a huge inconvenience to me. I I have funds on this card that I have been unable to access due to this and it is causing unnecessary stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the charges and collections listed on my credit report. I dispute the accuracy of the information provided by the credit reporting agencies and request that these items be removed immediately. 
XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account I am emotionally distressed by the presence of these negative marks on my credit report. They are affecting my ability to secure loans, housing, and employment opportunities. The Fair Credit Reporting Act requires that information on my credit report be accurate, and I believe that the charges and collections listed are not. 

I request that you provide me with evidence that these charges and collections are accurate, including documentation of my alleged agreement to the terms of the loans and credit lines in question. I also request that you provide me with information on the companies that have provided information to the credit bureaus, as required by law. 

Under the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe to be inaccurate. I expect that you will take prompt action to investigate and remove the disputed items from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I have been in contact with Freedom Mortgage every month since XXXX of XXXX trying to resolve an issue with the discrepancy in the monthly payment amount on my monthly statement versus the monthly payment amount listed on my escrow. I have spent numerous hours on the phone with representatives trying to resolve this issue. I can never have a single point of contact about the issue. The representative will eventually see that they are not able to resolve and will let a request but nothing is being resolved. I gave keyed request myself on the website but the responses are not answering the question. The following statement was their last response sent on XX/XX/XXXX : " This letter is to confirm that we have addressed all of your concerns on XX/XX/XXXX after speaking with a Customer Care Representative '' I called and the representative had no other information. I keyed a reply snaking for details. Freedom Mortgage us proceding with the foreclosure process. I would like to resolve this issue.
Product: Debt collection

XXXX - Previous Complaint number or Case Number Creditor Charge Off and transferred this account to a Collection Agency and reported as a bad debt but I never received a copy of the 1099C For Care Credit Account ending in XXXX
Product: Checking or savings account

On XX/XX/31 Chime closed my account. After several emails and calls they stated the would send me tracking info and a refund check. Approximately XXXX I received the check. Try to deposit it into my NFCU account and it was declined as stating the issuing bank rejected it. I also went to the issuing bank, XXXX  XXXX XXXX and they stated the check was also no good! I have called Chime and all they can tell me is someone will contact me in 24 hours or go back to the bank and tell them to call then to verify the funds. I have been going through this whole issue with Chime for almost a month! They sent me a bad check!!!!!
Product: Student loan

I had a portion of my student loans serviced by Navient and was originally on Income Based Repayment due to the very large student loans I have from XXXX  XXXX. I was notified by Navient in XXXX that my loan with them was not eligible for IBR anymore and they refused to take into consideration by total loan amount from school. Due to the refusal to keep my loan in IBR, I had to consolidate my loans with another loan servicing agency and lost approximately 3 years of IBR status and had to start all over from XXXX which can total over {$30000.00} in payments and additional compound interest as the resulting principle with grow for those additional 3 years before they are forgiven under the IBR terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account with XXXX XXXX that I was made aware of when attempting to get pre qualified for a home loan. I was never aware of this account nor did I open this account. I sent each bureaus two letters asking for how they added this information to my credit report and asked them to verify the account. To date all I got bacl was what appeared as a generic letter stating just verified. They did not provide me with the details I requested either. 

Account information is XXXX Account Number XXXX In accordance with the Fair Credit Act XXXX  the Account listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. I understand that this is a serious matter, and I urge you to act promptly to rectify this situation. Failure to cooperate in resolving this matter may result in further legal action to protect my rights and creditworthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX - XXXX SERVICE XXXX, XXXX XXXXBANK XXXX, BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX CRED XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX and XXXX XXXX BANK XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by me. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i am a victim of identity theft since 2004 and i have a report also i have to fix other things in my credit like bills in my name that i am unaware of
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Has violated my rights. 

15. U.S.C 1681 section 602 A. State 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 account without my written instruction
Product: Student loan

I believe that I am qualified for PSLF but I can't get a final confirmation because my lender has not transferred my loans. I have been waiting 8 months for AIDvantage  to transfer my student loans to XXXX. I initiated the process on XX/XX/year>. I have called AIDadvantage  multiple times, and they tell me XXXX did not do their job. XXXX says that AIDvantage didn't do their job, and I believe them because AIDvantage still has my loans, keeps expecting payments, and has given me XXXX administrative forbearances. Today, I contacted XXXX, and they said the loans had not been transferred, and they requested ( for the third time ) that they be transferred. 

I am frustrated. : (
Product: Student loan

ED/Nelnet you just admitted the federal consolidation was serviced by the XXXX Resolution XXXX XXXX XXXX, unresolved. XXXX XXXX XXXX never sent the federal student consolidation loan to ED/Nelnet to service. The XXXX XXXX XXXX never sent a request for the federal student consolidation loan to be rehab and consolidated to a Direct federal consolidation loan because the loan was based on fraud. The federal student consolidation loan was never owned by the US Department of Education. The US Department of Education General Counselor stopped federal servicers from servicing the federal student consolidation on XX/XX/year> and terminated the federal student consolidation on XX/XX/year>. ED/Nelnet started servicing the fraudulent federal consolidation XX/XX/year> and mailed a billing statement for {$800.00} payment from me as collecting for the XXXX Department of Education in which was a false statement. When I asked ED/Nelnet to investigate the federal student consolidation loan ED/Nelnet sent me a false Biden-Harris IDR loan forgiveness form . The federal student loan was not owned by the US Department Education and not eligible for any loan forgiveness. No federal student loan with a Default Status, unresolved is eligible for any federal student loan forgiveness. ED/Nelnet you wrote you did not have an contract with the US Department of Education to service and issue a Biden-Harris IDR loan forgiveness . ED/Nelnet I was trying to buy a house you damaged my credit score and reports. ED/Nelnet you owe me {$200000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Debt collection

I am troubled to note that my credit report, which previously reflected positive payment history, has suddenly been updated to include inaccurate late payments. I am confident that this information is incorrect and should not be reflected in my credit history. 
NSTAR/COOPER XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have maintained a positive payment history, and there have been no instances of late payments during the specified period. I am seeking your assistance in conducting a thorough investigation into this matter and correcting the inaccuracies on my credit report. The inaccurate reporting is not only damaging my credit score but also misrepresents my financial responsibility.