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

On Saturday XX/XX/XXXX my bank account was overdrawn of $ XXXX from XXXX and XXXX. XXXX charge is {$100.00} and XXXX {$86.00}. However, I did not authorize the XXXX charge. I deposited {$100.00} in my account which brings it down to - {$86.00}. I called Chase to dispute the charge ; a Chase Rep from the claims department told me the money is credited back and everything is fine. The next day on XX/XX/XXXX, I notice my account is still - {$86.00}, so I called Chase to inquire about the claim I did and the Chase Rep stated the system is down, there's nothing they can do about it, have a great day. I called the next day XX/XX/XXXX, a Chase Rep stated XXXX is still pending and how it has to be posted in order for me to get credited back. The overdraft fees will all be reversed once also after XXXX is posted. XX/XX/XXXX, I was charged three overdraft fees of {$34.00} and XXXX was posted to my account. I was credited the money but only one overdraft fee was reversed. The Chase Rep lied and did nothing to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I notice accounts on my report that do not belong to me, nor have I authorized anyone to obtain these accounts. 
XXXX XXXX XXXX {$1800.00} XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the inaccuracies on my Mohela account. Half of my account says good standing half indicates negative. I have tried to call them several times. I am placed on hold for hours, when I finally talk with someone, I get transferred or disconnected. I have disputed and talked to an employee at XXXX who sees the inaccuracies. All the entries from Mohela have the same account number and inaccurate information.
Product: Credit card

I successfully disputed over {$25000.00} in charges for products that were not never fulfilled. Amex accepted my disputes over XXXX months ago and my account was credited. I requested the funds back and Amex has not sent the funds. They were supposed to submit those funds back to me within XXXX days of my request. And now they have held those funds for more than XXXX months, which is against their own terms of service. Attached are XXXX months of statements showing the credit balance. I simply want returned money Amex has already credited to my account.
Product: Debt collection

CONVERGENT OUTSOURCING is attempting to collect a debt from XXXX XXXX in the amount of {$4500.00}. This account was handled with XXXX back in 2018 when I first noticed the Debt. all appropriate fraud paperwork and investigations were handled at that time. A police report was submitted as well.. This account is no longer associated with me legally!!
Product: Debt collection

Many months ago I was contacted By " XXXX '' whom are taking actions by suing me for debts I can not pay. I had agreed to settle on a payment plan which was going well until I lost my job and was not able to continue to payment plan. I found out XXXX XXXX XXXX and XXXX were order to cease business operations due to unethical business practice. Being the only working provider in the household is quite hard to keep the lights on. I work XXXX jobs and ca n't afford to keep current on many other expenses that are coming due. I came to found out that " XXXX XXXX XXXX and Associates '' is now operating under " Cooling and Winter, LLC '' whom are now continue to sue me and threaten to seize/ garnish my wages and will continue to do so until I have nothing left. My wife and I have attempted to contact them regarding my situation and they still do not care of what financial troubles we are experiencing.
Product: Credit card

On XX/XX/XXXX XXXX XXXX XXXX and I came to an agreement to install a HVAC system at my home. Still to this day XX/XX/XXXX the contract is unfulfilled. See attached contract. I have also attached multiple pictures and correspondences for you to look over. I was told when complete they will have me sign the final bill before processing and that has not been done. They charged me XXXX without my consent nor my signature over a year after the start of this ongoing and incomplete project. 
Supposed to be a XXXX XXXX  they used a cheaper American standard. 
Supposed to be dual zones did not complete to this day. 
XXXX  has cost me hundreds of dollars in electricity do to malfunctions. 
They had to come out over 14 times to my house resulting in lost wages. 
I had to have my lawyer send them letters. 
The heat pump constantly ran during the heat of summer making my home over 95 degrees F almost killing my dog. 
They constantly deny my phone calls or return phone calls. 
I have left several reviews. 
They damaged my walls. 
They damaged my XXXX sons room. 
On multiple occasions covered my sons closet and clothes in insulation. 
They damaged the siding to my house. 
In an attempt to fix the siding, cut a hole to match it and left the hole. 
XXXX has not fixed the siding. 
XXXX  has not finished fixing the walls. 
XXXX  has not completed the dual zones as contracted. 
XXXX  did not give me the XXXX XXXX  as contracted. 
On their website it clearly states ( on time or its free ) also states ( money back guarantee ) XXXX  has not completed the project!!!!
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I have discovered that there are still unauthorized inquiries present. Despite my previous communication with Equifax and XXXX requesting a reinvestigation, the issue remains unresolved to this day. 

Equifax XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized EQUIFAX MTG Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter from Chase Bank informing me that they were lowering my limit to within a few hundred dollars of where the balance is. The letter stated that " one of my chase cards is delinquent, Bankrupt or in a Payment Program ''. The only payment program that I entered was one granted through the Cares Act as a result of the Pandemic. As I was coming out of the pandemic protection program I was hit with a 30 Day Late on this Credit card on my credit report. I called them up and disputed the reporting and I also made the full payment within a day of that phone call and within a day or 2 following my dispute the report was removed from my  report indicating that they were in error. Not more then a Month after that event they did a review of my account and lowered the limit. I thought the Cares act was supposed to protect you from things like this from happening. This was not an event that would indicate an  issue with my personal ability to pay or my personal finances this was an event that forced the entire country be ordered to stay home by the Government. I had been making Minimum only payments on this card for sometime only due to the fact that I have XXXX  children in college and am focusing more on tuition payments than credit cards, during this time I also was not making new charges on the card. I feel like I am being punished for entering the COVID Relief program, I had been a card member in good standing since the year XX/XX/. I called in and spoke with both a Supervisor and a Customer Service Agent and all they will say is that they want me to go through another application and have them do a hard pull on my credit report to maybe get a shot to get my limit back
Product: Student loan

I went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX starting in XXXX of XXXX. I graduated in XXXX with an XXXX XXXX XXXX XXXX XXXX. After graduating, I was not earning enough money to be able to pay my student loan back. At the time the loan was serviced by Sallie Mae. The only option they gave me was to request a forbearance. 

In XXXX, my mom was diagnosed with XXXX, so I moved back home with her in XXXX, Wisconsin. I registered to finish my bachelors degree at the University of XXXX  XXXX. My credits from XXXX did not transfer to XXXX, especially after the admissions office at XXXX told me they would transfer. 

I had to pay for the same classes twice at two different schools. I was not able to pay back the loan after graduating so I had to keep requesting forbearances. While I was admitted to XXXX in XXXX and graduated in XXXX, Sallie Mae had my loan on deferrment, accruing interest while I was finishing my undergraduate degree. If my credits would have transferred as XXXX had promised, I would have been able to finish my degree in less time, accruing less interested in the process, resulting in a lower total amount of the loan. 

Now the XXXX school in XXXX has been permanently closed and the for-profit school was bought out then shut down. I have a large student loan that I'm still paying off and will most likely be paying this loan off for the rest of my life. I was misinformed by the school and am looking to get student debt relief. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX- 30 DAY LATE XX/XX/XXXX- 30 DAY LATE XX/XX/XXXX- 60 DAY LATE XX/XX/XXXX- 90 DAY LATE XX/XX/XXXX - 30 DAY LATE XX/XX/XXXX- 30 DAY LATE XX/XX/XXXX- 30 DAY LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is this account was paid in full XX/XX/21 and was paid in full early.I need this balance to reflect XXXX balance I have with this company.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE XX/XX/year> SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY XXXX. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS 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 THE FOLLOWING ACCOUNT : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$1100.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account was billed incorrectly and should have been submitted directly to the provider. ( I have attached a copy of my insurance card for reference. ) I had insurance coverage at this time. This incorrect reporting of a collection I do not owe is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

This was an issue involving 3 parties : A fraudlent app XXXX who is the platform where such app is offered Chime the financial institutution unable to protect its customers from this type of activity Merchant : XXXX XXXX Total disputed : {$95.00} Through XXXX I had multiple small recurring charges from an app called " XXXXXXXX XXXX XXXX I tried contacting the app developer, XXXX and finally Chime. 
I have reported the app after XXXX didnt solve my issue, and my last resort was the institution that allowed such charges to be place : Chime. 
However it didnt surprise me when my claim was denied, since they put extremely minimal effort investigating their customers claims. 
I had 3 major issues with Chime and none of them with a satisfactory outcome. 
This company must be held accountable for their customers transactions ( specially the unathorized ones ) I regret giving them any business as they are not worthy of it.
Product: Payday loan, title loan, or personal loan

I was looking for a loan for new furniture. I got notified of a pre approved loan opportunity with netcredit. After looking at it, it first said {$6800.00}, 36 months, When I was finally ready to get the loan, I got to the contract and it was {$270.00}, bi-weekly for 71 months. So once I saw the terms had changed I closed it out and did not request the loan. On XX/XX/XXXX I received a letter of denial. I never made the request or signed anything electronically. My credit score dropped 30 points.
Product: Credit card

I ordered new windows from Home Depot and as part of the sale they offered me a Home Depot credit card and said that I would get 24 months 0 % interest on the windows. The total sale was {$19000.00}. They failed to install the windows on the scheduled delivery/install day in XX/XX/XXXX, but despite this they still charged my card for the full amount and I was forced to make multiple payments on the windows I did not have and the interest free period began two months prior to when I actually had the complete items I was billed for. Home Depot sales man has done nothing to correct it other than say he will take care of it and that he is looking into it. It has now been six months and still no results. Any effort I make to complain to Home Depot is just routed back to the same salesman who failed to correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Debt collection

I received a notification XX/XX/XXXX from XXXX XXXX expressing that my credit score had dropped. I have a debt collection placed under my maiden last name for the same amount that I have reported 3 prior times under different debt collection agencies, as mentioned in the narrative below, for {$1700.00}. This has already been cleared 3 times, but this continues to happen every six months. Now I have dealt with this issue 4 times in 2 years. The account was opened with XXXX XXXX XX/XX/XXXX. The debt collector this time is Credence Resource Management, and I spoke to a representative name XXXX XXXX. He could not provide me any information different from the previous agencies I've spoken to. I am reporting the fraud to both XXXX and XXXX XXXX Police XXXX once more. The original file was opened with XXXX again, and I continue to get no response from XXXX XXXX even though I contact and file claims with them each time. Previously, I received a notification XX/XX/XXXX from XXXX XXXX informing me that my credit score had dropped. The company name on my report was XXXX XXXX for the amount of {$1700.00}. I called XXXX XXXX at XXXX countless times and got through on their attorney line. A representative named XXXX XXXX was able to assist me using my last XXXX digits of my social to indicate that an account had been opened under my maiden last name and with a bogus address in XXXX. That was the third time within a XXXX year period that I experienced identity theft with the same vendor, under the same maiden last name, and I believe the same address. This account was opened XX/XX/XXXX and updated XX/XX/XXXX, I called XXXX Police Department ( XXXX  I reside in ) and have a case number, but they referred me to the XXXX XXXX Police Department because the address on file is in XXXX. XXXX XXXX Police Department also gave me a case number. This continues to happen regardless of me placing a lock on my credit.
Product: Debt collection

I submitted a complaint to the CFPB regarding their multiple phone calls, after contact, and they subsequently sent the account to a Collection Agency ( ARS National Services ) threatening to negatively impact my credit even tho I am not 30 days past due!!!
Product: Checking or savings account

I am unable to login to access my money, I dont know why and they only responded to me once and said they are reviewing my account and want to see if I receive money thats again their TOS and they also say they cant provide me any ETA for the process. And since then they stop replying me on all their Platforms. Ive pleaded with them that I have an emergency issues and need some of the money to take care of my illness, they are triggering my XXXX. The money I received on the Acct was also a refund by A crypto company name XXXX after fighting them for 3 months they pay my money back to the Sofi account I opened and now Sofi is holding the money again and no response I read and research online about them and most people say they wont respond and fix it until I complain here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX submitted a fraudulent account onto my credit reports. Then when I told them it is fraud they sent a letter apologizing. Then they committed fraud by changing the account number and resubmitting the fraudulent account as mine. I disputed with the bureaus and it was removed. Then XXXX card came back and submitted it again under closed derogatory accounts. This has been a 2-year process and their harassment and law-breaking knows no bounds and they need to be punished.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX Subject : Formal Dispute Under 15 U.S.C. 1681i ( a ) 6 ( B ) 3 15 U.S.C. 1681i ( a ) 5 ( B ) To Whom It May Concern, I am writing to dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which outlines my right to dispute and have inaccurate items investigated. Also failed to block identity theft and human trafficking related information, shared inaccurate credit score and data with lenders, failing to thoroughly investigate my consumer disputes and putting previously deleted items ( bankruptcy ) back on credit report The following items appear on my credit report and are incorrect or unverifiable : XXXX. Late Payments ALL APPLICABLE XXXX. Charge-Offs/Closed accounts : ALL APPLICABLE including 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 XXXXXXXX XXXX. Inquiries : ALL HARD INQUIRIES 5. Bankruptcy that was previously removed These items are inaccurate, outdated, or otherwise unverifiable. I am requesting that you investigate these accounts promptly and either correct or delete them from my credit report as required by law.

Enclosed are copies of supporting documentation, to assist in your investigation.

Please provide a written response detailing the outcome of your investigation within the timeframe allowed by the FCRA. If the disputed items can not be verified, I expect their removal from my credit report in compliance with the law. 

Thank you for your prompt attention to this matter. I look forward to your reply. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I recently came into some money that would give me the ability to pay off some of my student loan debt. I have XXXX loans serviced by XXXX, the lender is JP Morgan Chase. I had already talked to a different lender about reducing the interest on another loan so I could pay it off with no problems. When I called XXXX, they informed me that they could not negotiate interest on the loan that I would have to call the lender. When I called the lender they said they no longer do student loans and I would have to talk with XXXX. I tried to explain the XXXX directed me to them since they were my lender but they said they no longer have a department that can help with student loan questions. I understand that it is a long shoot when trying to negotiate a pay off amount but it is very frustrating when I cant even talk with my lender about my account.