23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2018, I received two text messages with attached voicemails from my mother and my mother inlaw stating that they had received phone calls from Navient stating that someone was looking for me or if they happened to know how to get a hold of me. They also stated that I listed them as a relative on my private loans. I do not live with either of them nor have I listed their phone numbers on my account for references etc. They have continued to call my family members looking for me as well as my husband. I have already filed a complaint about Navient previously and am still awaiting a response. I continue to pay as I am supposed to yet they continue to call. I have told them not contact my family members as they have nothing to do with this situation and it is a private matter, but they continue to do so. This is harassment in the state of Colorado and should be ceased.
Product: Credit card or prepaid card

I did n't receive full refund of {$25.00} from XXXX XXXX XXXX XXXX. when closing card account, as the company was going out of business XX/XX/2017. I had phone confirmation with them, that I would be paid in full {$25.00} with no further fees taken out. I received a check in mail for $! XXXX. They took our fees. 
I made numerous calls to them, based now in XXXX XXXX they told me. They said no record of phone call and would pay {$18.00}. I received new card for only {$13.00}. I told them I could have spent/exhausted that final {$25.00} amount in a store but trusted them to return full amount. The company check to me, I have not yet cashed. This happened from XXXX to now. 
I want full refund. Can you help. Thank You. 
Companies on check XXXX XXXX XXXX. XXXX  XXXX XXXX, XXXX XXXX AZ XXXX & Payable THRU XXXX XXXX XXXX XXXX XXXX, XXXX, NE XXXX
Product: Debt collection

They are very good. They somehow had multiple numbers. Had my kids and their phone numbers and names. 

They said they were XXXX  but they did not give their full company name. 

Just XXXX. 

Their number was XXXX They said I owed XXXX loans that I never opened.
Product: Bank account or service

My XXXX, FL, Bank of America checking account had {$1200.00} withdrawn in XXXX {$600.00} amounts on XX/XX/XXXX. XXXX more attempts to withdraw identical amounts were stopped by the bank. The bank called me and asked if the withdrawals were mine. I said no. Their fraud department reference # is ... ... ... .. 
XXXX XXXX, I opened a new account ( XXXX ) at the same bank and the old account was closed. A police report ( ... ... ... ... ) was made at the XXXX Sheriff 's Office, District XXXX, XXXX County Florida, FTC notified, XXXX credit bureaus notified and 90 day freeze added to accounts, US Postal Inspector notified. 
The bank had sent a replacement ATM card to an address other than mine on XXXX XXXX and my account was charged {$5.00} which I did not notice until XXXX XXXX. That charge was removed from the account and ultimately the {$1200.00} was returned making me whole financially. 
Since the bank records all telephone calls re : replacements, I asked their fraud department for details, such as information that the bank requested in order to send to another address, but was told that only the police could get access to that information. My interest was in knowing what personal information the thief had to enable him and her ( there were XXXX individuals involved ) to get the card so that I could take whatever additional steps were necessary to prevent further attacks. I am still interested in that information. The police said they seldom followed up because it was generally a waste of their time... 
Background Information : Ironically an article on ATM thefts at other BofAs in the area had appeared in the XXXX XXXX XXXX XXXX where card readers were suspected. I had opened my BofA account in XX/XX/XXXX and had never used the ATM card except at the branch where it had been opened - and only for cash withdrawals of {$100.00} or less. I do not and never have used a debit card for purchases. My address has remained the same for the past 28 years and so my initial suspicion was that a reader card had been on the local branch ATM. When asked they said they checked it every morning only. 
I really have no complaint with the bank other than that they sent a replacement card to another person at another address and the only notification I had was the {$5.00} charge followed by the attempted thefts. 
It seems to me there should be a better way of covering potential thefts when replacement ATM cards are mailed to other than the regular address - either a written notification or telephone call in addition to email.
Product: Debt collection

Collection agency : The Best Service Company, XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX My complaint is both against XXXX XXXX XXXX XXXX and The Best Service Company I orginally had a checking account with XXXX XXXX XXXX XXXX. Two overdraft payments were made of behalf ( not authorizied by me ), I was subsequently charged two overdfraft fees. I was paying off this debt to XXXX XXXX XXXX XXXX by electronically depositing funds to my account. XXXX XXXX XXXX XXXX was not charging me any interest or additional fees. I was able to pay most of the debt with the exception of the overdraft fees and approxiametly {$40.00}. XXXX XXXX XXXX XXXX stop accepting my deposits and turned the account over to The Best Service Company and this company proceeds to charge me a 9.00 % annual interest. Also I'm currently in XXXX  XXXX bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Equifax on XX/XX/2018, XX/XX/2018, and again on XX/XX/2018. Still to this date they have not removed these unverified accounts.
Product: Credit reporting or other personal consumer reports

Hard inquires i did not approve for that occur on the date : XX/XX/scrub>XXXX  for the following XXXX XXXX XXXX, Exeter finanace llcXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX  days 0
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of a fraudulent account : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX
Product: Checking or savings account

I did not want two different payments withdrawn from my account. I assumed if the money was not in the account the payments would not be made just like if you make a purchase online, if the funds are unavailable the purchase does not go thru. To my surprise the bank put thru one payment as an XXXX. I immediately contacted the bank thru their help line on the first part of XXXX. I explained the situation & I was told twice all I could do was call the vendor to stop the pymts from being withdrawn. I knew this was a waste of time since the " vendors '' were predatory lenders. I assumed, again, that since I had an XXXX on my acct surely they would not put thru another pymt. The bank did. I was at a lost of what to do. I again assumed that would be the end of it. No, the bank put thru a third pymt as an XXXX  At this point I panicked & searched the internet for what I could do. I discovered I had the right to issue stop payments on both of these vendors which I immediately did. Why when I contacted the bank in XXXX was I not informed of this? I explained to the agent I did not want the pymts to be made & all he told me I could do was to contact the vendors, TWICE. I thought I had no options available to me. I am the customer of the bank. They should of informed me of this option saving me money in fees & XXXX XXXX.
Product: Debt collection

XXXX allowed someone other then myself to open an account under my name before verifying if the person opening the account was actually who they said. 
XXXX did nothing to prevent this action, and failed to notify of the issue to me at any given moment, they did not notify me of the second account under my name in XXXX, texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : ACC XXXX - Disputing Information in Credit Report Dear WELLS FARGO XXXX I am writing to dispute the information Wells Fargo has supplied to XXXX  XXXX XXXX and XXXX in XX/XX/2020. 

Please provide me with supporting documentation showing how my account was 60 days late in one report and 30 on the others otherwise update this late payment to be paid as agreed.

Enclosed are copies of relevant supporting documents to back up my request. Please reinvestigate this matter and contact the national credit bureaus to correct the disputed item ( s ) as soon as possible.
Product: Payday loan, title loan, personal loan, or advance loan

Company name is LendNation in XXXX XXXX in Oklahoma, Ive had sudden financial difficulties and communicated that, I was treated very rudely over the phone and its now in collections and I received more than 5 calls a day on average, 17 just this week from Monday to Thursday so far, theyre not willing to work with me and threatening litigation but havent yet
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported correctly on XX/XX/XXXX a XXXX account had been paid in full, raising my score XXXX points. On XX/XX/XXXX they reversed it back to the amount before payoff, lower my credit score XXXX points. I checked with the other two major credit bureaus and they have it correct ( as paid off ). I also checked with my XXXX bank and they verified the correct information had been sent to TransUnion. I have filed 3 request for corrections and TransUnion keeps saying I still have a open account and owe on it.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I applied for a Chase Slate Balance Transfer Card in perhaps XXXX XXXX XXXX. I have had a Chase British Airways Visa, at this same address, for  thereabouts decade now. I regularly received pre-approved promotions for Chase Slate balance transfer card. <P/>I chose to apply for this card. I received a letter from Chase stating my application was on hold, they asking me to provide proof of my address. <P/>I sent them a letter via Certified mail including copies of my professional ( XXXX ) license, as well as a copy of my XXXX XXXX XXXX phone bill. I mailed this to Chase at the address I was directed to return it to on XX/XX/XXXX of this year. I have still not heard an answer from Chase. <P/>I have 'A '' credit. Again Chase regularly mails me pre-approved applications for this card. While there are many such 'no interest balance transfer ' devices, I chose Chase because I already have had an account with Chase , st this same address, for many years. <P/>At this point, I have 'a ' incurred additional interest expenses I should not have occurred. 'B ' As Chase has done a hard query on my credit my FICO score went down XXXX points so any other such device I apply for, I may not get as high an approved balance transfer as I had applied for with Chase. <P/>I have photocopies copies of ll correspondence, documents and certified mail receipts to prove every word above. I have been unable to get a response from Chase. I have incurred several hundred dollars in unnecessary interest charges due to this intransigence on their part.
Product: Credit card or prepaid card

Identity fraud was used to make purchases without my permission or knowledge Someone help me file a claim for edd but I was unaware that they received my card and my benefits that were loaded on my card
Product: Money transfer, virtual currency, or money service

People had access to my cash app and I was trying to find out who it was because I didnt know
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that I had unauthorized hard inquiries that were never initiated by me. I also noticed a fraudulent account on my credit report under XXXX XXXX that once again has never been opened nor initiated by me.
Product: Debt collection

Reporting on my credit reports and they have removed the account and then added it back a few weeks later. They have been unable to verify any information. They agree to delete and then I see they put it on there again. And I dispute again and again ...
Product: Vehicle loan or lease

My original complaint # XXXX, was closed today, XX/XX/2023, by Mercedes-Benz with explanation . The company 's explanation is insufficient and in dishonor. This matter is still open.
Product: Credit reporting

On XXXX XXXX, 2017, I discovered XXXX XXXX XXXX XXXX - XXXX in the amount of {$840.00} and {$70.00} had been re-inserted into my Equifax credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my dissatisfaction and concern regarding the persistent reporting of a late open account on my credit report, despite my numerous attempts to correct this error through your dispute resolution process. 

I have submitted multiple dispute requests, accompanied by supporting documentation and evidence, to rectify the reporting of the late open account on my credit report. Unfortunately, despite my best efforts, the correction has not been made, and this error continues to adversely impact my creditworthiness. 

I kindly request the following actions be taken promptly : Conduct an immediate and thorough investigation into the reporting of the late open account on my credit report. 
Provide a detailed explanation for the repeated failures to correct the reporting despite multiple dispute submissions. 
Expedite the necessary corrective measures to update my credit report accurately and remove the late open account. 
Furnish written confirmation of the resolution, including a clear timeline for completion. 
In consideration of the persistent challenges faced in resolving this matter, I expect a resolution withinthe exact timeframe from the date of this letter. The ongoing reporting of this late open account has caused undue stress and has negatively impacted my financial standing. 

Failure to address this complaint promptly may compel me to escalate the matter to regulatory authorities, and I may seek legal counsel to protect my rights as a consumer. 

I trust in your commitment to fair and accurate credit reporting and anticipate a swift and satisfactory resolution to this issue. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$11000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance : {$23000.00}.
Product: Mortgage

Our loan officer, XXXX XXXX, lied to us on two occasions. The first occasion began when my wife and I asked for our rate to be locked at 3.75 %. She responded the next day by saying that our rate was locked as of that day and that we would be receiving a form to sign to that effect. We waited a week before emailing again to inquire about the form as we had not yet received it. She responded that day by saying that our rate was locked but at 3.875 %. She wrote in her email to us that she thought that " we had discussed this. '' Of course, that had not happened. We had no email notification and no phone contact with her. I will apologize and withdraw this complaint if XXXX can provide so much as a phone record stating that she spoke with my wife or I during the week since stating that our rate was locked while referencing a document listing 3.75 as our rate. 

I contacted XXXX 's supervisor to have him correct her behavior. He did. However. No apology was given. And while we requested a new loan officer on account of XXXX 's behavior, our request was not granted. In fact, XXXX then called and left a rude and unprofessional phone message. 

On the second occasion that XXXX lied, our realtor was reviewing disclosures a week prior to closing and noticed that some closing costs were being billed to us. Our realtor emailed XXXX ( while cc'ing us ) to ask for an explanation as the understanding was that no closing costs were to be billed. As I saw no response from XXXX to our realtor, we emailed her asking for an answer. XXXX emailed back to say that she had already responded to our realtor in stating that they would be removed just prior to closing. This was a lie and our realtor immediately noticed and wrote her back to say that she had received no such response. When I emailed again ( while cc'ing XXXX 's supervisor ) XXXX responded by rudely stating that it was n't her responsibility to explain things to our realtor - completely ignoring the fact that she had just lied to our realtor, my wife, and I. 

Further, it was our understanding that we were to have received a final loan disclosure document 10 days prior to closing. We did n't see the final document until we were at the signing. We had to check whether or not XXXX had changed the terms of the loan at the signing. 

Our experience with XXXX XXXX and XXXX XXXX was extremely unpleasant. We will make sure that everyone we know and who will listen will know about our experience.
Product: Debt collection

LVNV Funding, LLC is inaccurately reporting a fraudulent account on my credit report. Despite my repeated attempts to dispute this with XXXX XXXX XXXX XXXX XXXX XXXX  ), LVNV Funding, LLC has persisted in reporting the fraudulent account. The billing statement address provided by LVNV Funding, LLC was obtained fraudulently using my personal information. 

I have attached documentation showing that LVNV Funding, LLC acquired a fraudulent account, and yet they have refused to remove it from my credit report. Even after providing police reports and investigation letters from XXXX, clearly indicating that the address associated with the credit card in question was fraudulent, LVNV Funding, LLC has failed to take appropriate action.

It is imperative that LVNV Funding, LLC rectifies this error and removes the fraudulent account from my credit report immediately. I have taken all necessary steps to dispute and prove the fraudulent nature of this account, and it is unacceptable that it continues to impact my credit score.

I urge LVNV Funding, LLC to take swift action to correct this issue and restore the accuracy of my credit report. Failure to do so may result in further action being taken to ensure that my credit history is not unfairly affected by this fraudulent account. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I reported inaccurate accounts on my credit report and they have not been removed. 

Accounts are as followed : XXXX XXXX Midland Credit Management XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, and validation of debt. 

This account NEVER had a full investigation. There was an automated response from e-Oscar system stating the information was verified. I requested physical verification in XXXX of this year showing this is my account and that has never been provided. Account XXXX XXXX # XXXX All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail.
Product: Debt collection

Received a collection letter from alltran financial stating that I owe {$860.00} to XXXX XXXX. I have verified that I do not owe XXXX XXXX   anything. 

I did ask alltran financial for verification of the debt but they refused unless I verify my social security number and other personal information. ( I will not provide any information of that nature over the phone ) I Am also looking into litigation against them as it feels like a scam.
Product: Credit card or prepaid card

First they canceled my card for NO REASON. Then they reinstated my card after I told them I wanted them to CLOSE my card and I transferred the balance to another bank. I received a letter in the mail telling me they received my request to CLOSE my account. On XX/XX/XXXX I called to find out why my card was not closed. I was told it takes a billing cycle. Today is XX/XX/XXXX and I had to call again because my account is not CLOSED. EVERY SINGLE time I have to sit on hold 1/2 hour to get to someone who tells me they can't do anything. This time he said it should be closed. But he can't tell me why it isn't, or what will be done to close it or WHEN? I want my credit card CLOSED. This is ILLEGAL TO REFUSE TO CLOSE MY CARD. I HAVE A ZERO BALANCE. I DON'T WANT TO DO BUSINESS WITH THIS XXXX  COMPANY.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXXXXXX XXXX XXXX XXXX