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

On Friday, XX/XX/XXXX, I made a {$250.00} deposit using my Chime debit card to XXXX XXXX XXXX located in XXXX, FL for XXXX on Tuesday, XX/XX/XXXX, with XXXX XXXX XXXX. This deposit was to secure my XXXX date. See email titled Congratulations. 

The total for my procedure was {$8500.00} minus the {$250.00} deposit, leaving me with a balance to pay of {$8200.00}. I also was required to pay {$25.00} for a drug test on my pre-op appointment which would be the day before XXXX. See email titled Congratulations. 

On Monday, XX/XX/XXXX, I paid off the outstanding balance of {$8200.00} using my Chime debit card. See receipt attached with my name as the title. 

On Monday, XX/XX/XXXX, I paid the required {$25.00} drug test. My XXXX was rescheduled from Tuesday, XX/XX/XXXX to Wednesday, XX/XX/XXXX due to a scheduling error with the clinic. See email titled Congratulations that details the drug test cost. 

I arrived for XXXX on Wednesday, XX/XX/XXXX, in which it was then cancelled by the doctor due to a clinic mistake with my medical history. The clinic admitted that it was their mistake and no other doctor at their clinic could perform the XXXX. XXXX XXXX, the XXXX XXXX, facilitied the contact with the Refund Department. See email titled Refund. 

They agreed to a refund in full of the total paid ( {$8500.00} ) with the cancellation contract being void as this was outside of standard procedure. Unfortunately, I received a lot of issues getting a response about my refund from the merchant 's refund department. See all other attached notes. 

I filed a dispute with Chime for all 3 charges on Thursday, XX/XX/XXXX after no contact from the refund department by the time I was told I was to be contacted. Chime gave me a provisional credit only for {$8200.00}. 

On XX/XX/XXXX, Chime ruled in favor of the merchant for the {$250.00} stating that the merchant sent over the voided cancellation contract starting that the deposit was non-refundable. 

On XX/XX/XXXX, Chime ruled in favor of the merchant for the {$8200.00} stating the voided cancellation contract. 

No response has been received on the {$25.00}. 

I followed up multiple times with Chime and requested the documentation that they used to make a decision. I forwarded the emails from the merchant, showing that they had voided the contract and I should be paid in full. I never received services from the merchant and I did not cancel. 

Chime then proceeded to say that I have not provided sufficient evidence, but will not state what else is needed when I have responses from the merchant confirming I am due a refund with their contracts void. Chime states the matter is closed after many emails. Representatives will not talk to me over the phone.
Product: Credit reporting

Original Creditor XXXX 
Open Date XXXX XXXX, XXXX Balance {$450.00} Collection Debt {$450.00} Original Creditor XXXX XXXX Open Date XXXX XXXX, XXXX Balance {$840.00} Collection Debt {$840.00} XXXX Open Date XXXX XXXX, XXXX Balance - XXXX Collection Debt XXXX XXXX XXXX XXXX Account Type Installment Balance - Original Balance {$3100.00} Payment Status Negative I have no acknowledgement of these accounts and would like them removed from my credit report. I have disputed them with the Federal Trade Commission and they have not satisfied me with their response on these accounts. I am filing a complaint to get these accounts that I have no knowledge of opening them removed from all XXXX credit bureau. Thanks if you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a recent hard inquiry on my account from the following. 

Credit Technology Incorporated. 
XXXX  XXXX XXXX  XXXX XXXX XXXX. 
XXXX, CA I do not know this company and I did not approve this inquiry. This is complete fraud and I would like to dispute it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian report has inaccurate information and when disputed they said the found my disputes to be completely accurate and then added more inaccurate information or left it the same. My XXXX  and XXXX both have about the same information and they are almost completely accurate
Product: Debt collection

I was contacted by XXXX XXXX XXXX in reference to a debt I owe to XXXX  XXXX XXXX  for {$760.00} on Tuesday, XX/XX/2019. The rep said she was in the Minnesota office and they had a Texas Office as well. Their phone number is : XXXX. I immediately requested an Itemized Statement which the rep ( XXXX ) said could only be done with a written request. According to my rights, if I requested an ITS it should be considered a dispute and they should supply it. She also said the original account had been sold to another agency ( she didn't say who ) and they " partnered '' with XXXX XXXX. This rep called me at work, and I immediately told her not to call me at work anymore. I emailed the company that day stating that I wanted to cease and desist all communication and requested the ITS. I had a message from this XXXX on my phone last night, and a missed call today. Until they resolve this issue by sending me an ITS I won't no contact with them. I have no idea what fees or interest have been tacked on the bill of {$760.00}. I would like proof of the debt as I am entitled too. 

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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Checking or savings account

I needed to have documents motorized and my local chase bank does not have a notary. Therefore I went to another bank, XXXX XXXX XXXX XXXX. XXXX XXXX charged me {$10.00} to use the notary. I then received a {$5.00} charge from chase bank for the {$10.00} charge from XXXX XXXX. 

I have never used another bank ATM and I was charged even thought I didnt use another bank ATM in this case. I was forced to go to another bank for a service my local bank doesnt offer. Therefore it is not fair that I was charged this fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several dispute letters and a FTC form to the credit agencies with regards to the following accounts below. To date, the credit agencies has not responded to my complaint that notifies them that these accounts was opened as a result of identity theft. 

XXXX XXXX/XXXX XXXX - Opened XX/XX/2018 The following Inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

Mr. Cooper is unnecessarily dragging my Hardship application on Mortgage. I applied for hardship on XX/XX/2019 and today is XX/XX/2019 and still I don't see any kind of development. Mr Cooper on purpose is pausing my application and asking for new updates everyday, they should send me a list in the beginning of the application of Hardship letter where they will ask me in a channelize way how to provide my documentation to them. Everyday they are pin pointing on small things here and there, and i am totally frustrated. On the top of that my single point of contact " XXXX XXXX '' has gone on a holiday till XX/XX/2019. Here I am struggling to pay my Mortgage and Ms. XXXX has gone on a holiday, who will I contact for the next three days?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my father tried to send me money through Western Union in the amount of XXXX dollars. It was on hold ... then it was available. I went to XXXX 's in XXXX after XXXX XXXX CST ... to pick it up and Western Union reneged and put the transfer back on hold ... 

Today..My father went to go and get his refund ... the cashier at the XXXX XXXX in XXXX where he lives and they say there's no information ... meaning they are holding his cash! 

Western Union does not answer calls on their XXXX number ... they are of no help! 

My father has a XXXX XXXX and this whole ordeal is making him sick!
Product: Debt collection

They sent me documents that didnt pertain to me, wrong address and the name was XXXX XXXX XXXX which is clearly not me as you can see from the identification in my dispute.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS ADVNTG 1 CU Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account.
Product: Student loan

To whom may be reading this email, I have a concern regarding my student loan payment under Aidvantage. I recieved an email on XX/XX/XXXX, that I owe {$570.00} by XX/XX/XXXX for my student loan payment. I originally applied for AutoPay for my student loan account on XX/XX/XXXX, but the auto pay appeared to not work because i received an alert that I missed a payment on XX/XX/XXXX. I made a payment of {$570.00} on XX/XX/XXXX and received a confirmation email regarding the payment. On XX/XX/XXXX, I reapplied for AutoPay again with Aidvantage. 

I received an email this morning, XX/XX/XXXX, that my payment was " posted '' XX/XX/XXXX. I logged in my Aidvantage Account and saw that I have " no recent payments. '' On my Payment History, I see that my {$570.00} payment was done on XX/XX/XXXX, but then, on XX/XX/XXXX, a " payment reversal '' of the {$570.00} is indicated also on my payment history. I also checked with my bank and noted that the funds were never transferred. 

I am very confused of why my payment was reversed despite receiving an email indicating that my payment was " posted '' on XX/XX/XXXX. I have been trying to get a hold of a representative of Aidvantage via telephone with their customer service number of XXXX, but it has been really difficult. While waiting to be connected to a representative, the call was cut three times. I waited four over two hours with no connection to a representative. I have left an email regarding my concern of my payment, but I have not received a response. 

To add on, when I reapplied for AutoPay on XX/XX/XXXX, I indicated specific amounts for each loan ( all a little over than the intended payment, totaling $ XXXX/month ). I received an email from Aidvantage this morning, XX/XX/XXXX, that " the payment term for your loans has changed. Next payment amount : {$280.00}. Next payment due date : XX/XX/XXXX. '' I do not understand why they changed my payment back down to {$280.00}, when I requested for Autopay of {$310.00} a month. 

I hope my concerns will be addressed.
Product: Credit card or prepaid card

On XX/XX/XXXX I received notification that Synchrony Bank closed a dispute with XXXX XXXX in favor of XXXX XXXX, citing a letter that XXXX XXXX sent them indicating that I had not responded to my own request to have a brand new refrigerator repaired due to the refrigerator light never working even at time of delivery on XX/XX/XXXX. The six emails that I sent to XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX regarding the brand new refrigerator light not working were not included as evidence I had  contacted XXXX XXXX attempting to get the repair done. After days of runaround by XXXX XXXX with them at first telling me someone from repair would call in 48 hour to me calling and emailing repeatedly unsuccessful in my attempts to either get the refrigerator light fixed or return the refrigerator, I paid a repair person {$75.00} to diagnose and repair the refrigerator door light switch. I contacted XXXX XXXX, President Synchrony Bank on XX/XX/XXXX asking why were n't any of my many emails sent to XXXX XXXX sufficient evidence that XXXX XXXX falsely claimed that I have not responded to them regarding the refrigerator and why Synchrony Bank based their decision in favor of XXXX XXXX based solely on XXXX XXXX 's letter to Synchrony stating that attempts were made to contact me and I did not respond. XXXX XXXX from the Office of the President at Synchrony Bank responded indicating that she would be assisting with a resolution, but only asked me to email her -- which I had already done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed this credit reporting agency that I am a victim of Identity Theft as early as XXXX. I have provided my FTC report and police report from local authorities. I have subsequently notified this bureau of misreporting on my credit profile. I have utilized the bureau 's dispute process to address these accounts, to no avail. Most recently, I disputed two accounts ( XXXX XXXX and XXXX XXXX ) on XX/XX/XXXX. The bureau returned dispute results stating that derogatory account XXXX XXXX did not belong to me and was subsequently removed from my credit profile. This account was reported as fraudulent in XXXX. It remained on my credit profile and disadvantaged me for three years.

This bureau determined that the credit account CAPITAL ONE belongs to me and was validated. The bureau failed to provide me with this validation, per my request. If this is being verified by eOscar, please be advised that this is not a proper or thorough investigation per the FCRA. 

Additionally, I have alerted this bureau that this account has not been verified ( and therefore was removed ) by other bureaus. This agency now has actual and constructive notice of derogatory accounts on my credit profile, yet has not removed them. Lastly, this bureau has reason to know that derogatory information on a credit profile is detrimental and harmful to me as a consumer. 

This bureau has violated the FCRA and my rights as a consumer since XXXX. I have submitted a Demand for Relief to this bureau via USPS Certified Mail on XX/XX/XXXX demanding action and relief based on violations of 15 USC 1681. I have attached a copy here for your convenience.
Product: Mortgage

To Whom It May Concern, Thank you for taking the time to review this formal complaint against Lennar Homes, Lennar Mortgage, and Lennar Title for fraudulent, dishonest, and misleading information in my home purchase and mortgage process. 

I purchased a new construction townhouse that was built by Lennar and located at XXXX XXXX XXXX ; XXXX XXXX, FL XXXX in a community called XXXX on XX/XX/XXXX. 

During the home purchase process, in the Closing Disclosure, and beyond, we were provided inaccurate figures for HOA and neighborhood dues that would have changed my buying decision. I would have purchased elsewhere if I would have known the full scope of the fees. These are the fees that were disclosed to me : Club membership : {$3700.00} one-time fee Yearly Community Development District Fee : {$160.00} monthly Homeowner 's Association dues for townhomes : $ 240 monthly Homeowners Association dues for lagoon maintenance : $ 100 monthly In addition to these fees, there was a $ 115 monthly fee ( which has since increased to $ 187 monthly ) that was never disclosed to me. 

When my husband and I went to get the amenities keys from the neighborhood amenity center, the associate on staff asked us to meet the director. The director told us that they would not provide us with amenity keys because we did not make a payment. We told her that we did the HOA payment, but she told us the missing payment had nothing to do with HOA. There was an additional {$180.00} per month payment for amenities that we were never informed of ( it was {$110.00} in XXXX and increased to {$180.00} in XXXX ). 

The director told us this fee was mandatory whether we had been informed of it or not, and she took our credit card details. 

We were totally surprised as we at no point were informed about this monthly {$180.00} payment by the builder, mortgage company, or title company - all of whom were Lennar.

We honestly already thought the fees were extremely high and would not have bought this property if we would have been informed about the additional funds we are having to pay now. This is adding a financial burden on our family.

With Lennar being the builder, lender, and title company, I don't know how we would have possibly known about these additional fees, and that is truly fraudulent, dishonest, and misleading on their part. The director at the neighborhood amenity center said that other Lennar customers are facing the same issue, and they have left the amenity center crying and upset. 

I've attached supporting documentation for this. I was under the impression that all fees have to be disclosed in advance, prior to closing. Would you please advise if this is the case? If so, how can this be rectified financially with Lennar? 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed accounts am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following agencies made hard inquiries that unfairly impacted my credit score : XXXX XXXX  on XX/XX/XXXX-XX/XX/2017 XXXX XXXX XXXX-XX/XX/2017 XXXX XXXX- XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX & XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX/XXXX XXXX- XX/XX/XXXX & XX/XX/2017 XXXX/XXXX-XX/XX/2017 XXXX/XXXX XXXX XXXX- XX/XX/2017 I have never obtained or used funds from these companies.
Product: Credit card or prepaid card

I have been a victim of identity theft and when I checked my credit report this account is showing as a negative account. I contacted XXXX, Transunion, XXXX and the original creditor XXXX  XXXX XXXX and they all have been negligent and havent removed this account. It is negatively effecting my financial sitatuion which is causing emotional stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Team, I moved from XXXX, XXXX  to XXXX, XXXX  in the era of COVID 19. So, this could be one of the exceptional cases that needs to be reconsidered ( help me to improve credit score ). 

I paid as soon as I am notified about the pending bill working with hospital ( or medical provider ). Medical provider promised us that they will inform the collection agent and will not be reported. Looking at the records, I am not abusive user of my credit line and missed any medical payments. 

I tried all possible ways to improve my credit score, like paying in advance, using within limits, having 3-4 credit cards, not closing any cards etc etc. 

I worked with my financial institutions and cleared late payments and waived late payment fees long back when it happened because of several reasons. Worked with financial advisors to keep my credit score high. But, Still they are haunting me till date without a reason. 
Attached lots of information. Still, I can provide necessary information, if you need any. 

Please help to get my desired score honoring my history.!!!
Product: Student loan

I went out on XXXX form school and NelNet picked up my loan and payed them, now the school is trying to say that I own them money. When I first called them they said that I do not owe them any money and now they say that I do. Now every time I go and check my credit this pop-up. They said that I owe my provider, so I called them and they said that I do not owe them any money.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX XXXX, XX/XX/XXXX.