23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Back on XX/XX/2021, I paid a company called XXXX XXXX XXXX, a total of {$5000.00} and another {$800.00} to their associated firmed called, XXXX XXXX XXXX, and I was mislead to belief that they would release me from my Time Share. I made several complaints to both companies by phone and in writing complaining of their failure to deliver on their service. I requested reimbursement from XXXX XXXX XXXX. My complaints went unanswered and I filed a complaint with Attorney General 's office of Texas and Missouri on both companies. I called XXXX and made a claim. I received {$800.00} reimbursement but not the {$5000.00}. XXXX denied my {$5000.00} claim by explaining that it was past the timeframe, yet I received the {$800.00}, both were submitted at the same time. 

I don't know how a well known company such as XXXX is doing business with a fraudulent company scamming seniors and yet, I have a long history ( over XXXX XXXX XXXX paying XXXX for services. 

Any help to recover {$5000.00} from XXXX will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

These were suppose to be no credit check and was not suppose to effect my creditand the pre qualification was not suppose to effect my credit score either. Company ended up just hang up on my 3 times when I called. 



XXXX  XXXX, DE XXXX ( XXXX ) XXXX Institution Information Easyfinance XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern : I am writing to dispute certain hard inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. Specifically, under 15 U.S.C. 1681b ( c ), hard inquiries can only be conducted with my consent or for permissible purposes. I did not authorize the following inquiries on my credit report : Attach is a list of all inquiry name and date.

These inquiries were not initiated by me and, therefore, are unauthorized. Under 15 U.S.C. 1681i, I am requesting an investigation into these inquiries, as they negatively impact my credit score and overall report accuracy. 

Please remove these inquiries from my credit report or provide verification that I authorized them. Additionally, if you find that these inquiries were unauthorized, I request written confirmation of their removal for my records. 

Enclosed with this letter, you will find a copy of, my credit report with the unauthorized inquiries highlighted. 

Please confirm receipt of this request and provide an update within the 30 days as required by law. 

Thank you for your attention to this matter. 

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

I had a Dispute with XXXX XXXX XXXX XXXX, which took almost 5 months to resolve. After sending numerous dispute letters to the company, they finally credited back the amount of the item that was purchased, that was never recieved. The company never resolved it, until i filed a CFPB complaint to get it resovle. 

Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement During this 5 months process, my account incurreced Fee 's each month, finance fee 's, which isn't allowed while my dispute in being handled. This company is not following FCRA guidelines in regards to my dispute. Also they are failing to even investigate the dispute with due diligence causing these fee 's. So, after they finally removed all charges that were under dispute, XXXX XXXX XXXX XXXX   left the Finance charges and then have reported it negatively to my Credit reports. This isn't correct. I've attached all dispute letters in reference to this.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED MY CONSUMER REPORT AND REALIZED THAT EXPERIAN PULLED MY CREDIT WITHOUT ANY PERMISSIBLE PURPOSE.
Product: Checking or savings account

Three weeks ago I deposit  ed a check in branch. There was no immediate access to any of the funds ( not even {$100.00} ). The check was not deposited into my account until 7 days later.
No proper reason was given by Citibank.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

My student loans are under the SAVE repayment plan that has been held up in courts for months. Because of this, people who are under the SAVE repayment plan are supposed to have all of their loans placed in forbearance and interest should not be accruing while the court cases play out. 

Much to my surprise, I received notification from Mohela that Although no payments are due now, interest continues to accrue on your loans during the deferment period. How is that even possible with my loans being placed into forbearance because of court cases for the SAVE plan? I also received notification that my interest rates had changed ( meaning gone up ). 

After trying to customer service number and waiting through 10 minutes of automated recordings, I am told the wait time is 32 minutes. Fine. The second the phone call is connected to a live agent after 32 minutes, it immediately hangs up and no one calls you back. I reached out via the message option on my account instead and asked why interest is accruing on my loans. 

This is the response : A review of your account reflects an In School Deferment was placed on your account XX/XX/XXXXXXXX XXXX XX/XX/XXXX. Borrowers are automatically placed on an In-School Deferment when their enrollment status is reported. I NEVER reached out to Mohela to place an in-school forbearance on my account or even hinted to them that I needed anything to change with my accounts. 

The only thing I can guess is that I had signed up for a college class to try it out and paid out of pocket, no FAFSA done, nothing to do with the government ( or Mohela ) and decided after the first week the class wasnt for me, dropped out, and never thought anything of it again.

Im guessing because of that one class ( because that is the only thing I can guess ) that Mohela decided to, without permission from me, place my student loans in a in-school forbearance and continue to charge me interest on my loans instead of the loans being placed in forbearance with no interest being charged due to the SAVE court cases. 

This entire time, I was under the understanding that my loans were still in forbearance from the SAVE court cases up until the time I received notification that my loans were accruing interest. I had never authorized Mohela to change ANYTHING with my school loans and because it shows the " amount '' as {$0.00} and the " status '' as no payment due on all my loans, you're not able to see the interest accruing. 

Mohela needs to figure this out immediately because this is completely unacceptable and they have erroneously charged me interest on loans that shouldnt have interest charged. Because of their phone system that doesnt work, Im not able to actually speak to anyone on the phone to figure this out and ask why they havent bothered reporting to the credit bureaus in FIVE MONTHS. I paid off multiple school loans yet nothing has updated since XX/XX/XXXX and it is now XX/XX/XXXX.
Product: Debt collection

Details of the Complaint : I am filing this complaint regarding Velocity Investments failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and their improper handling of a disputed debt. 

1. Failure to Validate the Debt ( 15 U.S.C. 1692g ) : Despite my written request for debt validation, Velocity Investments has not provided : A copy of the original contract between me and the original creditor, XXXX. 
A clear breakdown of the debt, including principal, interest, and fees. 
Proof of their legal right to collect this debt, bill of sale, contract of loan sale, purchase and sales agreement or chain of title. 


2. Violation of Arbitration Agreement : The original agreement with XXXX includes a binding arbitration clause requiring disputes to be resolved outside of court. Velocity Investments ignored this clause and initiated a lawsuit, violating federal arbitration laws.

3. Misrepresentation of Legal Status ( 15 U.S.C. 1692e ) : Velocity Investments has misrepresented the legal status of this debt, including falsely implying that they have provided sufficient validation.
Product: Credit reporting or other personal consumer reports

Calls and rext about relief from XXXX XXXX XXXX XXXX XXXXXXXX XXXX Which was not report by the courts. As told on phone we don't supply info to credit bureaus.
Product: Checking or savings account

My checking account ending in XXXX was closed back in XXXX do to a overdraft of that account which I had submitted a claim for fraudulent charges for online gaming citizen bank paid out over XXXX dollars which they billed t o my account that I disputed. the claim was never settled i was told i had to pay them back. now I being off set from other open accouts .I only have short term XXXX income this is a hardship just take my money not being made aware until after they debit my other accounts..
Product: Money transfer, virtual currency, or money service

I havent received my direct deposit since Thursday and I need that because I live check by check
Product: Credit card

Send debt validation letter on XX/XX/2023 via certified mail # XXXX to Target Card Services, XXXX XXXX XXXX XXXX, XXXX XXXX, MN, XXXX after company filed credit judgement with XXXX XXXX XXXX Ohio XXXX XXXX No response received from Target or Target 's attorney XXXX XXXX XXXX.
Product: Debt collection

I went to a emergency room for medical problems that I was having The veterans administration paid both bills and notified myself that the bill had been paid in full. I then looked at my credit score and it had dropped a substantial amount because the bill was turned over to PMAb collection agency and in turn they posted on my credit report as a collection. I have tried to contact the XXXX XXXX hospital to clear this matter up and to tell them I had paid the bill on there website but I have had no success. My credit fell dramatically and is hurting my buying power.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX. I am requesting this account be deleted off all my credit reports with each agency. There are a plethora of inaccuracies amongst all XXXX agencies. I m also requesting a pay history because the payment amount that is reflected {$760.00} is not the amount I recall PAYING, and XXXX req proof of debt. Last payment for equifax shows XX/XX/XXXX, and XXXX shows XXXX, XXXX XXXX. Account status for equifax shows collection and XXXX shows open. Last payment for equifax show XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX  show XXXX XX/XX/XXXX. Please remove this off my credit reports.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX Laws Dear KIKOFF LEND, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that KIKOFF LEND has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, XXXX XXXX has stringent identity theft and fraud laws that emphasize the protection of consumer information. These laws underscore the severity of unauthorized access and misuse of personal information, reinforcing the necessity of obtaining explicit consumer consent for credit reporting. 

I assert with unwavering certainty that I have not provided consent for KIKOFF LEND to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and XXXX XXXX laws. 

I demand, with the utmost certainty, that KIKOFF LEND immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and applicable XXXX XXXX identity theft and fraud laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX laws. This is not a negotiation ; it is a demand for compliance with both federal and local regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that KIKOFF LEND will promptly rectify these egregious violations, respecting my rights under federal and XXXX XXXX laws. 

Done in good faith. 

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation and method of verification associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report has inaccurate term duration, on Experian it reports as 1 month and on XXXX it reports as 0 month which is an inaccuracy. This account is also CO and they are reporting every month and re setting account activity which is not legal. I request validation and method of validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681 e ].
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has officially leaked my personal information to hackers and did not take the proper steps to ensure my personal and financial information was secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Product: Debt collection

For the week ending XX/XX/22 I received over 20 calls from this company and thats just last week. Some days I get 7 or more calls in one day and sometimes before XXXX my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION reporting bogus and fraudulent information on consumer credit report, does not properly conduct investigation when submitted through their process, and ultimately does not protect the consumer by removing the false information. This is a extended, and repeated process that continues to unjustly damage consumer 's credit file, further proving a relationship between TRANSUNION and a fraudulent debt collector company in extorting money from the consumer. 

TRANSUNION and XXXX XXXX XXXX  have a relationship to extort money from consumers by adding false, unproven, fraudulent credit collection marks ; and then not removing them per code of law and consumer protection acts. In fact these companies frequently change the dates around, and add falsified comments in effort for keep-alive tactics for that specific fraudulent collection trade-line.
Product: Debt collection

ASSETCARE is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Mortgage

SETERUS is my loan service provider. I have repeatedly asked for their assistance in modifying my mortgage. I have had some financial difficulties which caused me to fall behind on my mortgage payments. They have provided very little assistance and indicated that they would start foreclosure soon. I have filled out the same paperwork several times and have not gotten any closer to getting a modification. I am in need of your assistance in getting a mortgage modification.
Product: Other financial service

I went to XXXX first then to a XXXX ( XXXX ) Supermarket to cash a tax refund check from XXXX ( I live in XXXX ). 
Both places use certegy ( Formerly Equifax ). Both places refused to cash the check and gave no reason why. I called the customer service to find out why and again, they gave me no reason for the denial of service.
Product: Checking or savings account

This is regarding my high yield money market account ending in XXXX. I was suppose to receive a XXXX bonus for meeting the requirements. I verified with ally several times that I qualify and was confirmed that I do. They said after the XXXX if I dont get it to call back. I have called 4 times and I am getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 XXXX XXXX credit cards since XXXX excellent payment history. One of the suppose to have no pre- set spending limit in exchange for a {$500.00} year annual fee. But that was not the. Case for 7 years American Express DID assign preset spending {$4000.00} which they never set to the preset spending limit as promised. Still I continue to pay the annual fee for 7 years along with {$100.00} each for other 2 separate cards. I kept complaining when are they going to do what is promise in the contract of no preset spending limit. America express just gave me excuses. 
FINALLY enough is enough. I made a payment. On XX/XX/XXXXon all two cards and The agent told me no payment is required on the platinum card. Days later the shut down all three cars because they said I did not make a payment on the platinum card. I explained I was told not to make payment on the platinum card by your agent and why did you shut down all there cards when two was current. I demand an investigation and I also demanded a full refund of the {$500.00}. Yearly fee for full duration that they did not give me the NO PRESET spending limit. Fort 7 years. The kept stalling in with multiple investigatorion while they were adding late fee and interest why they were inverstigating what happen. They have Fruadently added charges with all the fees for the next year while they were doing there investigation closed my account and doubled what was was originally owed and refused to refund my annual fees $ 500x 7 years. Plus {$100.00} for each of the two cards the blue and sky card they cancelled eventhough is it was current. But they cancelled because they reject the payment for the America express platinum card.
Product: Debt collection

This company threatened legal action. They gave me a date in which to respond to a lawsuit by however when I went to the courthouse to file a response to the lawsuit I was told I couldnt because there was nothing filed to respond to. So they falsely misrepresented that they had filed the lawsuit already. They filed after the day they told me they would so it would appear as if it was just a scare tactic to someone unfamiliar with the law. They then actually filed after the day I was informed they would, I did not file a response because I wasnt properly informed, so they Were granted an automatic judgment against me because it appeared as if I never responded or attempted to which was false. I was never informed of a court day or a trial.They were granted a levy against my bank accounts and have taken everything from me. Im going to lose my home because of this disgusting tactic! Ive also read about other dirty schemes this company has played on unsuspecting victims.
Product: Debt collection

I am a victim of identity theft, the enclosed accounts are a result of identity theft. These accounts are having a negative impact on my credit. I am requesting that these accounts be removed from my credit report. 

Thank you
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX am writing in regards to compliant on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX inquires were not done by me. also in regards to credit acceptance.
Product: Credit card or prepaid card

The company sent me a letter in which I 've called the specialist XXXX XXXX and have left a few voicemails regarding these illegitimate charges. She has yet to call back or investigate this further. I also emailed her on XXXX XXXX 2017 and again did not get correspondence. She is very aware of these charges and will not remove them. Thus, Synchrony bank is knowingly and illegally collecting a debt and reporting it incorrectly to the credit bureaus which is also a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following negative accounts on my XXXX credit report should NOT be listed as they were opened when I was overseas using my information : XXXX XXXX XXXX ( Charged off account ) XXXX XXXX XXXX XXXX I keep asking Experian to remove it and they wo n't even after telling me my proof was adequate.