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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX To Whom It May Concern : This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

XXXX  XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ).

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. 

Sincerely, XXXX XXXX
Product: Checking or savings account

on XX/XX/2021, a charge alert on my Chime debit card for {$560.00} at XXXX XXXX took place. I did not make this transaction. there is no way physically possible I could make this transaction being it was in a state hundreds of miles away. I contacted Chime to dispute the charge and they informed me it had to be settled before I could file the claim. the person informed me the charge took place in the state of Arizona. I live in Tennessee. By then the charge had been broken into two charges, one for {$50.00} and one for {$510.00}. When you add them together you get {$560.00}. on XX/XX/XXXX, I filed a claim for fraudulent transaction, filled out the paperwork and sent it back to Chime 's claim department. A few hours later I received an email stating my claim was denied and no error occurred. I immediately contacted Chime to speak to a manager to help resolve this issue. he informed me he needed some proof I was in Tennessee when this transaction took place not Arizona. I sent him a picture of two receipts from XX/XX/XXXX showing I was in Tennessee when this fraudulent transaction took place. Later that night on XX/XX/XXXX, I received an email stating, in so many words, that since I've done business at XXXX previously, that these particular transactions couldn't be fraudulent, despite the fact of location differences.
Product: Debt collection

Aldous and Associates started contacting me early in 2024, about a Gym membership for my son and me, that, I made several attempts to pay manually due to my debit card being compromised. 

On XX/XX/XXXX, I paid my son 's balance in full and set up a payment plan for my portion. 
( Supporting docs attached ) Even though I set up the payment plan, Aldous And Associates, has continued to harass me and send me emails regarding my card being declined, even though they were taking the money out of my bank account each month on the XXXX. 

On XX/XX/2024, Aldous & Associates PLLC reported an inaccurate collections account with a balance of {$220.00} to my credit report. ( the supporting documents will show the balance is incorrect ). 

On XX/XX/2024, this account should not have been reported to my credit profile because I was paying the company directly by setting up a payment plan, the balance reported is inaccurate. I have supporting documentation from your office stating that a payment plan was in place before the reporting date of XX/XX/2024. I also have supporting documentation stating that the balance reported on XX/XX/2024, is inaccurate. 

Please remove this inaccurate information from my credit profile immediately.
Product: Credit card

The level of incompetence at your companies is alarming and brings an entire new meaning to the word shyster. It is now clear this is all by design in an attempt to either pass liability to another company or as a intentional game to make it so a customer gets nowhere with the process and hopefully acquiesce to the XXXX  As you can clearly see, I already did what you stated ( contact the fraud department ) multiple times at this point, both on the phone and through email ( which is clear since the email address is in the list of addresses to which the previous emails were sent ). I also called the number and spoke to multiple people there over the past few months and am just repeatedly told to contact Avant because the fraud department ( some strange outsourced company ) do not make the decision and there is nothing they can do because Avant made the decision. As previously stated, once I communicate with Avant again all I am told is to recontact the fraud department. The fraud department is a third party company and every time I contact them and get nowhere and request to file a complaint and ask what company they are, the representative hangs up on me without filing a complaint, transferring me to a manager, or telling me what company they are. 

XXXX 's policy is Zero Liability Protection for unauthorized charges, which applies here. You are in violation of XXXX 's policy as well. 

Once again, I am writing to notify you that you are in violation of the law ( which for whatever reasons seemingly mean nothing to you and will definitely come back to haunt you ) and I will be seeking damages if you do not immediately resolve this by removing the charges and fees and also rectifying all the erroneous information submitted to the credit bureaus. You already significantly violated the law and it caused harm to my financial records and adverse action against me. 

As previously stated in emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and multiple other instances over the past few months, this needs to be resolved as I still have not received a refund for the fraud and you are still trying to collect from me while reporting my account as late and over limit to the credit bureaus, all of which is in violation of the law of the Fair Credit Billing Act. Once again, please find attached the complaint submitted to the CFPB, # XXXX ( which I will be resubmitting should you not immediately resolve this ). Thank you for your help immediately rectifying this as I am not liable for fraud. XXXX has Zero Liability Protection. Please immediately remove all the charges/fees/etc. on my account and rectify the information reported to the credit bureaus. Thank you for your help rectifying this immediately.
Product: Debt collection

Midland is falsely reporting to the credit bureaus I owe them money and reporting false account activity dates to keep the information active on my credit report. The original debt was with XXXX Bank and closed in late 2008. I have disputed with the XXXX credit bureaus and Midland falsely confirmed the data as accurate. 
Midland has a very well established track record with fines from state and government agencies for doing this exact thing
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian and XXXX but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : 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

These accounts do no belong to me, please block and remove per 15 USC 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

please my wife report informations is not showing on my credit pulls and we need to verify the social security number and name to make sure that EXPERIAN have my wife s personal information correct. 
please i have been calling since 3 weeks the EXPERIAN customer service to help me resolve this problem but impossible to talk to a specialist. i actually need your help. please help me very important for my mortgage.
Product: Student loan

I have been paying approximately {$680.00} a month for my college loans. 
XXXX loan is provided by Navient and this is the loan that is causing all ofthe trouble. My Aunt has cosigned on this loan for me and she has XXXX and she has been subjected to XXXX to XXXX calls a day, not onlyto her home phone but to her place of employment also. This has to beillegal so I am writing to you for help. 
The phone calls seem to be computerized and call from all different areasof the country. There seems to be no one who is in a position to stop this. 
I have had people promise that they would stop calling my Aunt knowingher physical state and XXXX. I gave them approval to take electronicpayments from my account and after a month they took a monthlypayment plus over {$500.00} which overdrafted my account for multipleother bills I have. It then took over a month to get back the unauthorizedwithdrawal. I know that Navient is connected to XXXX XXXX so there mustbe some ability for someone to intervene and stop this harassment of avery XXXX cosigner, my Aunt does n't deserve this and I would like to haveher removed as a cosigner. I intend to keep paying my loans butsomething has to change, please help me with this problem.
Product: Credit card or prepaid card

Ive been with chase bank for a long time.In XXXX, I applied for a chase freedom visa account onXX/XX/XXXX and was denied because my credit report says bankruptcy and credit balances are to high.FYI, in my last year of bankruptcy.They also used a scoring system called Card Acquisition risk score V2 to determine my outcome.Also, They say the key factors are number of delinquent accounts, public record of bankruptcy.I don't have delinquent accounts, infact, I have past accounts that are paid off.Again, Im in my last year of bankruptcy and it ends in XXXX.After I was denied, I applied for a loan with XXXX c/o XXXX and was approved.I ve been a customer of chase bank for a long time and im disgusted that I cant even get a loan or credit card through my own bank.
Product: Credit reporting or other personal consumer reports

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Denial of credit in contradiction of XXXX and XXXX credit scores, along with a failure to confirm receipt of current income levels and asset liquidation net proceeds. Lack of communication, underwriting incompetence/indifference and unprofessionalism also played a large role in my experience. TD Bank did not provide convenience or Legendary Service as they advertise.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i moved out of state for a few months during the move i lost all my paper work and really did not knowing anything about credit. Ive been learning and educating myself on credit and when i tried to purchase a car one day they told me i had a loan open already in my name which i did not and i guess someone used my identity to obtain a car loan in my name from XXXX XXXX XXXX XXXX. I did not authorize this or have any knowledge about it. 

The car loan that is on my account does not belong to me from XXXX XXXX XXXX XXXX for {$26000.00}. I discovered it on XX/XX/XXXX and It was opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained my credit report and have realized that I have these inquiries listed below that I did not give authorization to. I need them to be removed immediately. 

Addresses to be removed : XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Mortgage

I closed a mortgage in XX/XX/XXXX and Shellpoint is the servicer, they set up an escrow account and have been collecting monthly for the taxes and insurance. As of XX/XX/XXXXthe escrow balance was {$9300.00}. My XX/XX/XXXX taxes were not paid and I am showing delinquent and there are penalties and interest accruing. When I brought this to there attention they told me to send a letter so they can open an investigation. Since then I have been sent 3 letters and they are claiming that they never set up an escrow account yet they have been collecting almost {$700.00} per month, All the customer service reps seem to be concerned about is trying to set up a meeting with a HUD counselor and don't have any authority to do anything. At this point I want them to return the funds in the escrow account and reimburse me for the penalties and interest. I will pay my own taxes and insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX, XXXX and XXXX are furnishing the alleged Bankruptcy XXXX, negative accounts, and hard inquires to my credit report. My federally protected consumer rights are being violated by a variety of entities, including but not limited to the three main credit reporting agencies and minors such as XXXX XXXX, XXXX XXXX, and XXXX. In addition to this breach, they are also committing fraud, as these alleged companies claim to have verified and investigated this bankruptcy, negative accounts and, hard inquires, but your sources contradict their claims ( see attached documents ). I DID NOT give them neither direct nor indirect permission to furnish my information. This is unfair to me because I was never notified when this inaccurate information was provided, and I was never notified when you were going to report this information during the company 's initial investigation.These companies has ruined my reputation, and adversely affected my credit worthiness.
Product: Credit card or prepaid card

I have given XXXX XXXX 's alot of business. I received a credit card from Genesis through XXXX I don't understand how my XXXX XXXX XXXX credit card has such a high minimum payment that always increases! I have other credit cards with a higher balance but a much lower minimum payment. 

It seems that they are misleading me everytime I make a purchase. My recent purchase of {$1600.00} was promised with no interest for a year. All of a sudden my minimum payment on my card went from {$270.00} to {$330.00} with no explanation by the company other than some supppsed investigation that is going nowhere. So far I'm being charged 29 percent interest on purchases that were all supposed to be 0 apr. The big one was for 3 years and the most recent one was for a year but it turns out I'm paying high interest this whole time. Bottom line is, I was lied to and mislead. Their promotional 0 apr interest rates have never been applied to any purchases and my minimum monthly payment increased for no reason. I literally have another credit card with another company with the same balance but higher interest and I'm only paying {$120.00} a month. Something isn't right.
Product: Money transfer, virtual currency, or money service

My claim XXXX XXXX XXXX BOA= BANK OF AMERICA XXXX XXXX XXXX XXXX MY COMPLAINT AGAINST BANK OF AMERICA I filed a claim regarding a XXXX transfer done on XX/XX/2021 and XX/XX/2021. 


I did not approve the XXXX transfer ; I called to file a claim less than 5 business days as soon as I noticed it. 

I explained to the representative that the BOA bank mobile app would automatically sign in to the BOA app ; I never authorized the app to do that. 

INCIDENT : I explained to the representative that my cell phone does not have a lock and that my XXXX XXXX XXXX son uses my cell phone to watch videos. I explained to the representative that my son leaves my cell phone unattended while we are in the playground, eating, grocery shopping etc. I filed a pollice report. 


I HAVE ALREADY SENT BOA THE DOCUMENTS/ SCREENSHOTS OF THE BOA APP AUTOMATICALLY LOGGING INTO THE APP. THE BANK OF AMERICA APP SAVED MY PASSWORD. ( THE APP HAS THE AUTHORITY TO CHANGE THE PERMISSIONS ON MY CELL PHONE ) THE BOA REPRESENTATIVE SENT ME DOCUMENTS USED TO DENY MY CLAIM. THE DOCUMENTS SHE SENT ME ACTUALLY PROVE MY CELL PHONE MUST HAVE BEEN HACKED, BECAUSE THE IP ADDRESS SHOWN DON'T MAKE SENSE.

EXAMPLE : THE IP ADDRESSES SHOW A CITY AND STATE AND 30 MINUTES LATER THEY SHOW A DIFFERENT CITY AND STATE THAT ARE ABOUT 2 HOURS AWAY FROM EACHOTHER.

THIS DOESN'T MAKE SENSE.

I JUST WANT BOA TO PLEASE GIVE ME BACK MY MONEY.

1. ) I WILL PROVIDE A COPY OF THE POLICE REPORT I FILED REGARDING THE FRAUD 2. ) I WILL ATTACH A SCREENSHOT OF EMAILS I RECEIVED FROM SCAMMERS 3. ) PHISHING EMAILS EXIST 4. ) I WILL PROVIDE A DOCUMENT FROM HOPE OF THE VALLEY ( FAMILY SHELTER ) THAT PROVES I WAS HOMELESS 5. ) MONEY GOT STOLEN/ TRANSFERRED VIA XXXX WITHOUT MY PERMISSION, CONSENT, AND KNOWLEDGE 6. ) DURING THE TIME MY MONEY GOT STOLEN I HAD BEEN APPLYING FOR APARTMENTS ONLINE AND IN PERSON. -- > THE RENTAL APPLICATIONS REQUIRED ME TO PUT IN MY PERSONAL INFORMATION -- -> NAME, CELL, SOCIAL SECURITY ACCOUNT, EMAIL ADDRESS ETC. 
7. ) I WILL PROVIDE A SCREENSHOT FROM MY CELL PHONE STATING A " VULNERABILTY " HAD BEEN DETECTED 8. ) I FILLED TWO POLICE REPORTS ONE OF THEM WAS THROUGH THE IC3 WEBSITE AND THE OTHER WAS THROUGHT THE XXXX XXXX XXXX POLICE DEPARTMENT 9 ) I WILL UPLOAD A PICTURE OF AN AFFADAVIT I WROTE REGARDING MY CELL PHONE BEING UNATTENDED BY ME AND MY CELL PHONE BEINBG LOCKECX
Product: Student loan

I am a graduate student at the University of XXXX in a dual degree program, pursuing an XXXX from the XXXX XXXX XXXX XXXX and an XXXX from the XXXX XXXX XXXX XXXX XXXX ( part of XXXX XXXX XXXX XXXX XXXX ). This is a three-year program ( it  saves a year as both programs are normally two-year programs ). The schools charge different tuition, so I am enrolled in XXXX for one year, XXXX for one year, and then in my final year I am enrolled for one semester in each school. I began my program in XX/XX/XXXX and will graduate in XX/XX/XXXX ( my unofficial transcript is attached ). 

I took out a loan with XXXX in XX/XX/XXXX and another in XX/XX/XXXX to pay for my first year of my program. 

On XX/XX/XXXX, XXXX ( servicer of my private loans with XXXX ) sent me a notice that I was in repayment. I sent a message asking why and received a response to send a in an in-school deferment request. I discovered that I need the University of XXXX registrar to certify the request and that my loans with two other servicers also had put me into repayment. 

I attempted to fix this with XXXX, but have not been able to solve the problem. 

I then attempted to call XXXX to work with the loan company directly. I called XXXX and the customer service representative was unable to find record of my account in the system. She did not provide me any details on how to find my account and only told me she could not discuss my account/help me until she found my account. This does not help me as she could not find me account and gave me no information on how to rectify the issue.
Product: Credit card or prepaid card

I currently have a car from XXXX with synchrony credit card company. I have an issue with the disclosing of information they have. I made a payment and they show that the payment posted and later they showed that there was a late fee for {$30.00} kept wondering why call them I said your payment history shows that the payment posted but Im being charged {$30.00} late fee wise that then they notify me that the payment had not posted I told them it was misleading for them to show the payment as posted if the payment has not gone through and that completely confuses me as a customer thinking that I wont be reported late because I am going based on their information that says that the payment posted so I feel that them disclosing dad its putting me as a consumer in a situation, where if I am unaware that the payment they reposted they are disclosing false information, giving me the full sense and then reporting me late Lucky for me. I was able to make the payment in cash the problem right away but this is a big deal because this company has engaged in situations where they dont either notify the customer. They post the inaccurate information and they need to have somebody review what they do so they
Product: Credit reporting, credit repair services, or other personal consumer reports

pursuant to 15 USC 1681a, ( e ) investigative consumer report EXPERIAN HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY OR Associates. According to under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report ... according to 15 U.S. Code, 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EXPERIAN is breaking federal law by not receiving written consent from I the consumer before furnishing a report