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

Hard inquiries were perform that i didnt authorize per FCRA legally these unverified & unauthorized items must be deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I bank with Bank of America and I recently thought I got hired on by a company that turned out to be fake but they sent me a check for my work and I thought it was real and I tried to cash it and how I realized it was fake and how I realized the company was fake when the check didnt go through and they went ahead and close my account. They did not talk to me or nothing. They didnt give me a notice. They didnt even try to let me explain.
Product: Credit card

On XX/XX/XXXX, my husband and I were in XXXX, XXXX. 

We decided to rent a scooter from our hotel, XXXX XXXXXXXX XXXX. The hotel said we had to either leave our passport or a credit card to take the scooter. We chose my Chase Sapphire credit card, because there's no scenario where it's safe to give someone else your passport in a foreign country. There were never any charges agreed to be made on my credit card- it was only there should we not return the scooter. 

We paid for the scooter on my husband 's credit card, returned it on time the next day, and had no issues. It was only the next month that I noticed two fradulent charges to my credit card totaling {$530.00} on XX/XX/XXXX from " XXXX XXXX XXXX ''. 

1. {$91.00} 2. {$430.00} I immediately disputed the charges and was preliminarily re-granted the funds on my Chase card. I did not make any purchases of this XXXX amount, and they were clearly made by someone at the hotel while the card was not in my posession. 

Then, within a month I got a letter from Chase saying the charges were found to be valid and they recharged me. I called them to say these were definitely valid. They asked if my card was stolen- I said no. They said they would look into this again. 

Then, next month I got another letter saying the charges were valid and that this was the final decision. I called again, and they said that because my card was in my possession, and this was a chip transaction, then the charges were valid. I explained that I had to leave my card at my hotel for an entire day. They asked me for proof that I did not make this purchase - which is not possible to provide.I asked if they had researched XXXX XXXX XXXXXXXX, as a simple XXXX search reveals other people who have had fradulent charges from them in XXXX. They said they would look into it again. 

Then the next month I got another letter saying again that the charges were valid. I called again and explained the situation. They said they would look into it again. I also called their executive support team, who assured me they would escalate it. 

Then this month, on XX/XX/year>, I got a letter saying yet again that these charges were found to be valid. Somehow they have gotten things twisted in their notes system and now believe these were charges intended for a scooter rental. They are not taking accurate notes of what I am telling them. 

I do not believe Chase ever intends to reimburse me for these fradulent charges. They continue to say they 'will review ', and then just send me letters in the mail saying it's valid but not explaining why. I have asked their review team to call me- they will not give me the contact information of anyone on this review team. It is a complete black box.
Product: Credit reporting or other personal consumer reports

I had 3 dormant XXXX  XXXX accounts. Accounts XXXX XXXX XXXX  I started getting calls regarding balances and then found out these accounts were being used, cards being sent to an address in XXXX  to a place I did not know. My idendity was compromised when documents were stolen from my mother 's business. We did file a police report and have place a credit freeze and fraud alert on my reports. I continue to have problems getting these accounts corrected, they also have a late payment on one of the accounts which is inaccurate because there should have never been a balace. These accounts were closed by Capital One which further hurts my personal credit and these accounts were being used without my knowlege or permission. I request they be removed due to the status, blocked and any derogatory information be deleted.
Product: Mortgage

I have had a loan with Suntrust Bank for about XXXX tears at least. My principal never seems to go down. I have been watching it very closely for this year. I have another mortgage, and calculate correctly to within XXXX cents of principal and interest on each payment so I know its not me. But with Suntrust I am always off between $ XXXX {$30.00} per month. I have talked to them every month about this, and cant seem to get a straight answer. even when the branch does the math with me they come up with what I come up with, and the send in a ticket to have it fixed, but it never happens. Example. A payment was made XXXX XXXX, 2015, of {$300.00}, $ XXXXwas principal, {$200.00} interest. loan bal was {$29000.00} and rate is 7.840 apr. Next payment was made XXXX XXXX, 2015 for {$300.00}. their break down is {$110.00} principal and {$180.00} interest, bal is {$29.00}, XXXX. Next payment made is XXXX XXXX, 2015 of {$300.00}. this entire payment went to interest and balance due {$29.00}, XXXX. I do n't know how this could be? And they can not explain it. I make my payment early. over pay the payment amount. There are months that I pay in XXXX days and it seems that i get charged for XXXX days anyway. I dont know whats going on with them and I need help. They just do not make sense. I have XXXX loans with different rates, different balances, and when i do the per day cost, and add it up, i 'm on the money every time, but suntrust i am way off from what the come up with, and i never can get a reason.
Product: Debt collection

I filed a complaint against Resurgent/ LVNV Funding, complaint ID XXXX. The company responded by stating they acquired these accounts on XX/XX/year> that originated with XXXX XXXX Bank, XXXX, and also stated " With its purchase of these accounts, XXXX acquired all ownership rights, including the rights to collect on these accounts and to report to the credit bureaus, if eligible. Currently, these accounts are being reported to the credit bureaus on behalf of XXXX. '' But I have XXXX other companies attempting to collect a debt with the original creditor also being XXXX XXXX Bank so WHO OWNS THIS DEBT????????! I AM FILING ANOTHER COMPLAINT REGARDING THIS INACCURATE ITEM ON MY CREDIT. DESPITE MY EFFORTS TO RESOLVE IT REMAINS UNRESOLVED. OTHER DEBT COLLECTION AGENCIES ARE ATTEMPTING TO COLLECT A DEBT AND ARE ALSO CLAIMING THAT XXXX  XXXX XXXX  IS THE ORIGINAL CREDITOR. WHO OWNS THIS DEBT??? RESURGENT/ LVNV FUNDING LLC XXXX TO IMMEDIATELY PROVE TO ME THAT THEY ARE LEGALLY ABLE TO COLLECT THIS DEBT. ACCORDING TO XXXX XXXX XXXX XXXX, I AM IMMEDIATELY REQUESTING XXXX ) A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE THAT I SIGNED FOR THIS DEBT. XXXX ) A DETAILED LIST OF MY HISTORY OF PAYMENTS XXXX ) PLEASE PROVIDE ME WITH THE NAME AND THE ADDRESS OF THE ORIGINAL CREDITOR. I ALSO WANT TO SEE IF THERE HAS BEEN ANY INSURANCE CLAIM FILLED ON THIS DEBT. XXXX ) PLEASE PROVIDE ME THE PURCHASE AGREEMENT!! I WANT PROOF YOU OWN MY DEBT AND HAVE BEEN ASSIGNED MY DEBT TO COLLECT. SHOW ME THE CHAIN OF TITLE!! XXXX ) PLEASE PROVIDE ANY JUDGEMENTS OBTAINED AND XXXX ) PROOF THAT THE STATUTE OF LIMITATIONS HAS NOT EXPIRED YET. I REVIEWED THE INQUIRY RESPONSE ATTACHED TO THE FIRST CLAIM THAT WAS NEVER MAILED TO ME MIGHT I ADD BUT NOTICED THAT ALL THAT WAS INCLUDED WAS AN ACCOUNT SUMMARY WITH MY NAME AND AN ADDRESS, NOTHING THAT PROVED THIS DEBT IS MINE WHEN I SPECIFICALLY REQUESTED MY DEBT VALIDATION. WHO IS TELLING THE TRUTH?? THIS DERAGORTY MARK IS NEGATIVELY IMPACTING MY CREDIT AND NEEDS TO BE RECTIFIED IMMEDIATELY. RESURGENT/ LVNV FUNDING LLC XXXX PROVE TO ME THAT YOU OWN THIS DEBT.
Product: Payday loan, title loan, or personal loan

I have been a repeat customer of Titlemax for many years and have always paid off my loans with the company even though I was paying 3x my loan amount in interest and fees set forth by the company. I am now at risk of losing my vehicle because I can not make a payment and the company is not willing to work with me regardless of my past history of pay-offs. I need help and the company isn't willing to extend me any kind of good faith or good will. They would rather take my vehicle and hit my credit score with a negative report so now I will stuck with bad credit and no vehicle. All because of one missed payment due to financial hardship. Which Titlemax is aware of and shows no concern for by the representative employees it has working for Titlemax.
Product: Student loan

I wrote to try to find out how I can best tackle my student loans with extra payments. To do so, I asked for an amortization schedule. The company, three months later, wrote back saying they dont provide amortization schedules for loans. I am not aware of any other lender who takes this position. This does not allow me to analyze my options or figure out how to pay down the debt faster.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX, we sent credit investigation requests to Equifax and XXXX. We have yet to receive the results of those investigations and it has been longer than 30 days.
Product: Money transfer, virtual currency, or money service

Back in XX/XX/2021, I sent money ( {$3200.00} ) to a friend through Cash App. The funds were taken out of my account, but they never made it to my friends account and they never got returned to mine either. I reach out to my bank and they said there was nothing they can do. 

I reached out at the time, and I was told there was no wrongdoing on Cash Apps end. But the fact remains that the money left my account and just disappeared. That account has since been closed, so XXXX cant check with my bank, but Id really like to get some clarity on what happened. 

Can you look into this again and help me figure out where the money went? Id appreciate any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

After notifying Equifax that I am a victim of identity theft, I requested a number of accounts be blocked as they are a result of identity theft. Meaning, I did not authorized sign or agree to their opening. Equifax, presumably accepted my request but without notifying me, converted my request to a dispute instead and have never sent the results of that dispute till this very day. Which is in violation of law. Then 30 days later sent me a correspondence stating they verified some of the information as belonging to me. This could not have been so, as my identity was stolen and used without my consent and knowledge. So my question is, what did Equifax verify? Additionally, Equifax refused to block these fraudulent accounts as identity theft, but they placed an identity theft fraud alert on my credit report. Again without notifying me that they accept my request in part. Lastly, Equifax has a history of refusing me access to my own reports, allowing un-authorized disclosures of my report and creating duplicate files for me and placing negative outdated credit accounts on it, and distributing this information to requester of an accurate credit file. Equifax refuses to block the following accounts and refuses to provide proof that I am the owner of these accounts because they know these accounts are identity theft they just want to continue to get paid for reporting fraudulent information. I am filing this complaint because they are still playing. I am going to sue their XXXX if they dont correct this. Please help me get these fraudulent items blocked from my credit file. Equifax is the only one reporting them. XXXX XXXX**** {$470.00} XX/XX/XXXX XXXX XXXX**** {$5700.00} XX/XX/XXXX XXXX  XXXX**** {$1300.00} XX/XX/XXXX XXXX  XXXX  XXXX  XXXX**** {$0.00} XX/XX/XXXX XXXX XXXX**** {$24000.00} XX/XX/XXXX XXXX  XXXX**** {$24000.00} XX/XX/XXXX XXXX  XXXX  XXXX**** {$24000.00} XX/XX/XXXX XXXX  ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX**** {$62.00} XX/XX/XXXX XXXX XXXX**** {$490.00} XX/XX/XXXX XXXX XXXX**** {$84.00} XX/XX/XXXX XXXX XXXX XXXX**** {$18000.00} XX/XX/XXXX XXXX  XXXX  XXXX**** {$270.00} XX/XX/XXXX Collection/Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to report a Fraudulent Credit Card account with XXXX  XXXX XXXX ( Acct # XXXX ) that is currently being reported to my Credit reports with all credit bureaus and I am asking for your assistance to Immediately delete this fraudulent and incorrect reporting from my credit files, since I have already tried to dispute it with the Credit Bureaus and they have failed to take action. 
This account was not opened by me and I never consented to a Credit Card with XXXX XXXXXXXX XXXX. I called XXXX XXXXXXXX XXXX regarding this fraudulent card in hopes that they would help me settle this issue and remove this fraudulent reporting and they have not done anything about it to this date and have referred me to dispute it with the Bureaus, even after speaking to multiple representatives at XXXX  XXXX XXXX. XXXX XXXXXXXX XXXX informed me during one of the conversations with them that this Credit Card was opened inside of a Branch in Florida. I am not sure how this happened as I was under the impression that banks were required to check ID and collect a signature for all credit products opened. 
I live in California and I have proof that I was here in California and was at work on the date that they claim this account was opened ( XX/XX/XXXX is the opening date according to my credit reports ). I work for the XXXX and XXXX of XXXX XXXX in California and I am attaching copies of all my pay stubs received during the period that this card was supposedly opened by me at a Branch in Florida so that you can see that I has here at work in XXXX XXXX, CA and did not take any time off of work during that period. How could the card have been possibly opened by me at a branch when I was across the Country and not even a driving distance from that branch on the date it was opened? Find my XX/XX/XXXX Paystubs enclosed. 
I filed a Dispute with the Credit Bureaus last year in XXXX ( XXXX ) and the results of their Investigations all came back saying that the account was verified. I am not even sure how they were able to verify an account that was NOT opened by me, and which means of verification they used for their investigations. 
If you need any additional information from me, please do not hesitate to contact me at ( XXXX ) XXXX. 
I look forward to your assistance in resolving this matter and helping me completely remove this fraudulent and inaccurate reporting from my credit files. 

Thank you for your assistance! 

Sincerely, XXXX XXXX XXXX XXXX
Product: Prepaid card

I am unable to use my gift card. I have tried XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have also tried using at restaurants. They all decline my card and i have a {$200.00} balance.
Product: Debt collection

Company by the name of Global Trust Management is using deceptive tactics to contact people. They are using false telephone numbers that say something different than who they are. For example, I received a phone call from what showed up on caller ID as XXXX XXXX ( XXXX ). When I answered, the representative said she was from Global Trust Managent and was attempting to collect a debt. I asked her why her company why they were using false numbers and she said she did not know what I was talking about, so I hung up.
Product: Student loan

I am having difficulty paying my Direct loan with AES. The monthly paym ent ballooned from {$290.00} to {$580.00} this last month in XXXX. When I spo ke to a rep he indicated the loan was a select XXXX payment plan. The XXXX 2 years you pay only interest. After that the loan goes to " standard level '' pay- ments of principal and interest. 
I explored the options they provide non of which would be beneficial under my circumstances. I want to pay this loan, but tried to find the way and there does not seem to be a workable option. 
Please help me. They also divided my loans for the same college, and indicated I would have to pay in addition to the $ XXXX, another {$430.00} beginning XXXX XXXX due to the agreement I had been offered in XXXX. I have been paying interest only on this loan ( XXXX seq. loans ). Why is it is now split into XXXX payments which I am completely unable to pay and will most certainly go into default. I do not want this to happen, but I have a mortgage, car loan, another student loan I am paying off at a reasonable monthly from my bachelors and other monthly expenses. I can not combine this obligation with my husbands info since this loan is under my name it is my obligation only. Please help me as I do not know what else to do. I just received another bill that I now owe {$1100.00} plus XXXX in late charge and rising.
Product: Mortgage

In XXXX I was informed my escrow had a shortage and this caused my payment to increase. I received an email from a third party that has made payments on my behalf before stating they would pay the shortage. I called my mortgage servicer and was told no information would be available until the payment was received. I allowed some time to go by before calling back and discovered it was not applied to the shortage but used as a principal payment. I had made a partial payment the same month and decided to not make a further payment until a new analysis was done to determine my new and correct payment. The person I spoke with was going to move the payment and call me back. I never received a call back so I called to speak with my POC. Of course you can never speak to anyone when you call they must be emailed and then they call you back. By this time its XXXX and I communicated all of this to her. She stated she would ask for another analysis and call me back. Once again she did not call back. During this time I called and tried to use the chat feature on the website to contact this person. She finally called me back and seemed to not even recall our previous conversation about a new escrow analysis. I asked her to have her supervisor call me and someone did. I was informed that now an analysis can be done, but I still owe the balance and they can not help in any other way. I sent a complaint letter and received a response called a resolution. I had asked if I could get some sort of forbearance until the analysis was complete and my new payment determined, but this resolution did not address my request. I was given a new escrow analysis and told it would not be applied until 2024. I also had asked for someone to call me because I couldnt understand how they could unilaterally decide how to disperse my escrow payments. It is now XXXX and I have yet to speak with either of the people that emailed me a response nor their immediate supervisors. The only calls I receive are from the call center asking when can I make a payment. I would and could make some payments, but its the principle, I have an issue that is not being addressed. I believe they misappropriated my funds and they need to be held accountable. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have sent 20 Credit Dispute Letters to XXXX and XXXX4 Credit Dispute Letters to TransUnion regarding inaccurate information on their credit reports regarding XXXX XXXX Bank and they have refused to conduct an independent investigation to delete the inaccuracies. 

I have only received 31 letters from XXXX XXXX Bank stating, " In your correspondence, you did not indicate what specific information you were disputing or requesting to verify. '' That is a verifiable false statement just by reviewing the attached 34 credit dispute letters.
Product: Mortgage

I have had a home mortgage with Wells Fargo for XXXX years. I rented my home out to some bad renters and my insurance company sent me a check for {$5400.00}. The check was made out to myself and Wells Fargo. After I spoke with Wells Fargo, they said to sign the check and send it to them, they would endorse it and return it to me. XXXX XXXX showed up the next day, picked up the check. I signed it and the check was overnighted to Wells Fargo. I continued to call over and over about the check and my account was charged to a bad account number and it has been a year. The check has NEVER been returned to me. I contacted them about doing a HAMP refinance since I made repairs out of my own pocket. They have since started foreclosing on the house and refuse to return the check.
Product: Debt collection

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$72.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to each bureau and they have not responded to show the account verified. Here are the following items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Illegal collection and repossession practices. Threatening to have me jailed, calling friends and family letting them know loan information, and defamation of character to my friends and family trying to get them to tell the lender where i am after i already told them to have the repo company call me for the location of thr vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I request proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. I need the following inquiries deleted as soon as possible : 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