23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to file a formal complaint regarding an unauthorized charge that occurred on XX/XX/2024, involving my Credit Karma Money checking account. On this date, an unauthorized charge of {$400.00} was debited from my account by XXXX. Upon contacting XXXX, they confirmed that the transaction did not originate from my personal account and suggested that my debit card may have been compromised and linked to another individual 's XXXX account for fraudulent purposes. 

Following XXXX 's acknowledgment of the unauthorized transaction, I immediately reached out to Credit Karma Money to dispute the charge. Despite providing detailed documentation and evidence to support the fraudulent nature of the transaction, including communication with XXXX confirming the unauthorized activity, my dispute was denied. 

I appealed the decision twice, investing significant time and effort into collecting and presenting additional evidence. However, both appeals were denied without proper consideration or review of the provided documentation. Notably, the final denial was issued less than XXXX minutes after submitting my appeal, indicating a lack of thorough examination. 

As a longtime user and customer of Credit Karma Money, I am deeply disappointed by their handling of this matter. Their failure to adequately investigate and address the unauthorized charge has left me financially vulnerable and feeling disregarded as a customer. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and intervene to ensure that Credit Karma Money upholds its responsibility to protect consumers from fraudulent activity and provides fair and transparent dispute resolution processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with MIRAMEDRG ( Original Creditor : XXXX XXXX XXXX XXXX ) and MIRAMEDRG ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, MIRAMEDRG ( Original Creditor : XXXX XXXX XXXX XXXX ) and MIRAMEDRG ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Balance Owed : {$0.00}. I believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family have very good relationships with the landlord in XXXX XXXX TEXAS, assigned by XXXX  and XXXX owner residing in State of Georgia before we move-out from property, because we bought our owned house. 

After a year in our house my family received a letter from Credit collection dated XX/XX/2022 ... and I learned also those thing when i'm filling for re-financing... I personally called and spoke to the representative of the collection agency, and told Her that my family vacated the rented property with good term with landlord in XXXX XXXX Texas. 

The representative told us that my Family of XXXX was evicted on that property, the owner of the property from Georgia told her about it. 

Actually the Landlord had 4 voices messagings recorded on my I phone with nice and showing my family left the rented property with a smooth transcestion. 

And they did not repair give action to our complaints, the Fences, Aircone, the house premises was Rats infested, the security lights, and dirty carpets, no Dishwasher, no Gasstove and also lot of things so the landlord in XXXX XXXX, Texas did not renew our. 
contract, to get rid of ( my family ) us.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is despicable & reporting lies on my credit report multiple times. I have all the proof of my on-time payments. They are making up dates & payments. They reported me 30 days late on my credit. Then when I proved it was on time they took it off. Now, they are doing it again when again there is no 30 day late payment. These creditors are abusive bullies & need to be stopped. I will be filing complaints with the Attorney General & the FCC
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX , 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 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.
Product: Debt collection

I have continued to receive letters in the mail ongoing and receiving phone calls. I have even had my personal attorney send a letter and afterwards continued to get more. It is ongoing and very abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves Transunion credit reporting again. I have had issues with them on at least two other times mixing up my credit report information with another person 's information. 

I was applying for a new job on XX/XX/XXXX and I was unable to unlock my frozen credit report on Transunion because my identifying information did not match. I called them up on XX/XX/XXXX and they told me I have an error on my credit report record once again a mixed file error. This is now the third time this has happened. Same problem. I called them twice already to fix it and it seems to keep happening they can not seem to fix the problem. How did my credit report get changed at all when I had a credit report freeze on it? 

I would like for this to be investigated and for Transunion to finally figure out how to fix this problem once and for all so it does not happend again. I have no confidence in Transunion 's ability to fix problems at this point. Three times is way too much for a probem to happen with Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is falsifying information to still report on my account. The first delinquency from Navient was in XX/XX/XXXX. I have credit reports from XXXX supporting my claim. I was unemployed all of XXXX and returned to work in the summer of XXXX at a job paying half of what I made in XXXX. As a result, Navient 's claim that I caught up in XXXX is FALSE. Therefore, they should be made to prove that I caught up with my past due balance in XXXX by submitting other evidence payments. 

To further illustrate their deception, I spoke with a Navient executive who refused to review the evidence I provided, only to reply with, " our records are correct. '' It is unjust that Navient is allowed to report misinformation for their own benefit without providing substantial proof that their financial records are true.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was the victim of a PayPal fraud. The " PayPal help line '' I called was a scam. The voice on the phone ( XXXX XXXXXXXX ) said in order to return the PayPal funds to my account " they '' needed several account numbers of mine, incuding Venmo. 
Today, XX/XX/year>, a pending charge from Venmo appeared in my bank account of {$680.00}. I did not make this charge. It is fraud.
Product: Credit reporting

This agency ( Equifax ) has continued to report inaccurate information on my Credit File. They continue to report XXXX 90 days late payments of XXXX of my student loans serviced by XXXX XXXX. i have disputed this on numerous occasions but the agency claims they carried out a thorough investigation and found the reporting accurate. That is impossible. please review the attachments very carefully. I have never been late on these accounts, In the attachment you can see that i was never late in any of the prior months before and following months after the stated 90 days late payments. It is impossible for me to be 90 days late if i was never late in any prior months or months after the date claimed by these agency. I have called numerously to the bureau as well as the Company servicing the loans, despite all the evidences provided that shows that these company and Equifax continue to report inaccurate results on my report, they have refused to remove the late payments. This is a violation of the FCRA and by law they are required to remove both late payments on all the XXXX loans reported by XXXX immediately. I request this be removed from my file immediately. If this is not removed in the next 5 days, i will be forwardind all evidences to the Maryland State Attorney for further actions against Equifax for failure to comply with the FCRA. I will also take legal actions against Equifax and they will be liable for Defamation as a result of false reporting, which has prevented me from successfully obtaining a mortgage for my Home purchase for my family. Once again, review attachments carefully and delete both late payments on the XXXX loans immediately.
Product: Credit reporting or other personal consumer reports

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

I have sent multiple letters and Transunion has still not responded with the information I requested. And they are still showing inaccurate information on my report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I'm negotiating a settlement through a third party XXXX XXXX. I have given them POA and all communications should be with them. Prosper has their direct phone number now since I provided it. They call over 30 times day on my cell phone which I now blocked and they are no calling me at work. I removed my work number from their records but they are still contacting me at my work place. My work place is a busy office and the receptionist has to take these calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

I am disputing a collection account reported by XXXX XXXX XXXX XXXX XXXX ) ** on my credit report, originally from **Synchrony Bank** , with a balance of ** $ XXXX ( originally ** $ XXXX ). Under the **Fair Debt Collection Practices Act ( FDCPA 809 ) ** and **Fair Credit Reporting Act ( FCRA 609 & 611 ) **, I request verification, including proof of debt ownership, a signed agreement, a balance breakdown, and legal collection rights. 

Additionally, XXXX XXXX XXXX XXXX me in court without providing proper notice**, resulting in a **default judgment** against me. I was unaware of the lawsuit and was not given the opportunity to defend myself, violating my due process rights under the **Fair Debt Collection Practices Act ( FDCPA 807 ( 2 ) ( A ) ) ** and **Federal Rules of Civil Procedure Rule 4** ( requiring proper service of legal documents ). 

I request an investigation into this matter and a full validation of the debt, including court records of service and notification. If XXXX XXXX can not provide verifiable proof within **30 days**, I request removal of this collection from my credit report per **FCRA 611**. Additionally, I request a review of the default judgment due to improper legal notice.
Product: Debt collection

On XX/XX/XXXX, I emailed e-money a copy of the cancellation letter asking them to cancel the {$400.00} loan they told me the letter was received and would cancel the loan of {$1200.00} and that I would only be responsible for {$400.00}. I emailed them again and said I would pay the money at a later date. I received an email from e-money today threating to call my job, my cell, and references that were used on the application. I can't accept calls from bill collectors on my job nor do my contacts wish to be bothered about a loan they DO NOT owe. E-Money needs to not contact me on my cell, at work, nor contact the references because they will take legal action against the company. 

I will have attached the cancellation letter I sent the company.
Product: Mortgage

I went to closing for the selling of my house to   XXXX   XXXX   and his wife,  XXXX , on  XX/XX/XXXX , at Security National Title & Escrow, LLC.
They owed me {$4100.00} from their rental time of this house. I refused to close unless I received this sum first. He was not present.  XXXX  represented him by POA. She vehemently agreed that they owed this sum.
She received a text showing that the wire had been sent to the title com company. The closer,   XXXX   XXXX  , verified everything and guaranteed to to me that her company would send this sum to me as soon as it was received.
Closing continued with signing of all papers, which included a statement : "   XXXX   property tax reimbursement from buyer to seller will be handled outside of transaction. '' This is the sum of {$4100.00}. I called   XXXX   XXXX  , Title company employee, the next day, and she told me that this money would be transferred to me as soon as it was received. Two days later,   XXXX   XXXX  , another title company employee, told me that they had returned the money to the buyer, and stuttered. Later he said that they could not send money that was not on the Closing Disclosure. He himself had already added this sum to the second Closing Disclosure the Friday before closing. At closing, I was told that RP funding had requested this sum not be on the CD and that it would be paid directly to me. Ok, now no one is paying this sum nor answering my calls. This seems like an act of collusion and fraud. Also, Like magic, I am told that the actual closer no longer works at SN Title as of the day after the money apparently was sent back to the buyer. The whole deal smells very badly as before closing, both RP funding, and A rep of the SN Title said that the buyer should not owe that to me. I told them that normal does not matter. The  XXXX  and I agreed to their paying me that sum as part of their renting my house.
Please help honesty prevail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on Equifax and XXXX  that is a charge off and the account is 7 years and 6 months old and it has not been removed from my credit report as promised can you please assist me with this matter
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$3400.00}
Product: Debt collection

XXXX XXXX discharged this debt almost 10 years ago and I periodically get these notices from XXXX XXXX requesting money. Who is this money going to go to since it has been erased by the credit card company. The XXXX is predatory and is untruthful stating this is still owed.The amount is for {$35000.00}. I am not paying this as it was not owed to XXXX. They are being predatory and are sending me collection letters 10 years after absolution of the debt. They intimate that they will ruin my future if this is not paid. It is threatening and predatory to state this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX  date of inquiry ( XX/XX/2021 ), XXXX date of inquiry ( XX/XX/2021 ), XXXX  date of inquiry ( XX/XX/2021 ), XXXX  date of inquiry ( XX/XX/2021 )
Product: Credit reporting or other personal consumer reports

I have written TransUnion and asked that they provide me with proof of how the following accounts were verified. I requested proof of the original contracts that I signed with each agency and the statement that I agreed to about how these companies and I would handle late payments and if the accounts were closed what we would do. As of today, I have never received proof of how these alleged accounts were verified accurate and as I never received the original contracts that I signed with these companies. Therefore, I am requesting that these accounts be removed from my credit report as soon as possible. The accounts in question are : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I requested additional 6 months forbearance. This company only extended for 3 months. I need the additional 3 months forbearance approved. 

according with previous case # XXXX my request for additional 6 month extension was not mention according to the website that I documented. I am receiving 5 months of forbearance initially. I am needing additional 6 months of forbearance to include XX/XX/2021. I am requesting this assistance from this mortgage servicer by XX/XX/2021, according to the HUD website https : /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 This extension needs to be approved.
Product: Credit card

I have a credit card from USAA Federal Savings Bank. Last XXXX the bank had a promotional check included with their monthly statement offering a XXXX percent cash advance for 15 months using their check. The offer required a fee of 3 % of the amount advanced equal to {$650.00} which I accepted.I then issued a check for an unexpected household expense of {$20000.00} but when I received my next month 's statement I was surprised to find I was charged interest at approximately 13 % as well as the {$650.00}. fee. 

I have spoken to the bank several times about this matter and each representative gives a different story as to why I was charged the 3 % fee as well as their standard interest rate. None of these explanations made sense but the bank, through its representative has declined making an offfer to resolve this amicably. For example, I offered to continue to pay their standard interest rate if they would reverse the fee of {$650.00} that was required to get the favorable interest rate but was told they would not do that. 

I feel that this offer by the bank was deceptive and misleading and am hopeful that your intervention can produce a fair and equitable resolution.