23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent in multiple letters to XXXX, XXXX, and experian and the credit companies are not complying with their own policies in a timely matter. 

XX/XX/2023 and also XX/XX/2023 I sent a letter to all credit bureaus nothing was done {$3700.00}, {$710.00}, {$250.00} are still showing on my credit report.
Product: Money transfer, virtual currency, or money service

I'm the XXXX XXXX Capital one headquarters. Also the XXXX for each company and mergers listed under my Bennificary accounting. Including XXXX XXXX  and XXXX XXXX I recently tried to access my finances but keep having trouble for some reason with transfering funds from my Trust administration department. An XXXX / XXXX check has been ran multiple times. I'm having problems with my civil rights and authority to control my businesses for my best interest. Also getting funds for my best interest so I will not be suffering. There's no limit. My funds are for my best interest only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Chase about credit and I was told I would get a soft inquiry on my credit report. Come to find out, there was a hard pull done and now it makes my credit look even worse than it already is. I am in a process of rebuilding it, and things like this don't help at all. Why would they tell me it wouldn't show up just for it to immediately do so.
Product: Debt collection

Improper Reopening and Reporting of a Time-Barred Debt from XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Details : In XXXX, I discovered that XXXX XXXX XXXX XXXX and reported a debt allegedly from XXXX, originally owed to XXXX  I became aware of this debt during a rental application when reviewing my credit report. I was never contacted by XXXX XXXX XXXX regarding this debt, which raises significant concerns about their collection and reporting practices. 

Statute of Limitations in California : California 's statute of limitations for most consumer debts, including telecommunications debt, is four years under the California Code of Civil Procedure 337. 
The debt in question originates from XXXX and would therefore have been time-barred by XXXX. Despite this, SW Credit Systems reopened and reported the debt, which may violate consumer protection laws governing time-barred debts. 

Failure to Notify or Validate Debt : I was never contacted by SW Credit Systems about this debt, denying me the opportunity to dispute or validate it as required by the Fair Debt Collection Practices Act ( FDCPA ). 
Their lack of communication raises questions about the legitimacy of the debt and their adherence to proper procedures. 

Credit Reporting Concerns : The reopening and reporting of this debt by SW Credit Systems in XXXX have negatively impacted my credit report and, as a result, my ability to secure housing in XXXX. 
Reporting a time-barred debt without proper validation may constitute inaccurate reporting and is harmful to consumers.

Potential Errors in Reporting and Collection : The age of the debt, the absence of direct communication, and its sudden appearance on my credit report suggest improper practices by SW Credit Systems, including possible violations of the FDCPA.
Product: Credit card

Heres a rewritten version of your letter : -- - On XX/XX/year>, at XXXX XXXX, I received an email from XXXX XXXX XXXX confirming a room booking for {$580.00}. At the time, I was browsing the XXXX XXXXXXXX XXXX XXXX reservation website but had not completed any booking. 

Shortly after receiving the email, I clicked on the link provided to cancel the booking. At XXXX XXXX, I received a second email confirming the cancellation, but it stated I was being charged {$580.00} as a cancellation fee. 

I immediately contacted the XXXX XXXX hotel to explain the situation. They informed me that they were not responsible for the charge and noted ongoing issues with third-party companies intercepting bookings on their website. 

Following this, I reached out to XXXX XXXX XXXX ( formerly XXXX XXXX XXXX  ) to request a refund. Unfortunately, I was unable to get any resolution. They either did not return my calls, or I was routed through an unhelpful loop of forwarded calls with no clear answers. 

Given this lack of response, I contacted my credit card company to dispute the charge, explaining that I never authorized XXXX XXXX XXXX to charge me {$580.00}. Initially, my credit card company assured me they would assist with the matter. However, a few months later, I received a generic email stating that the merchant claimed I had agreed to the charge, and they could not help further. 

I requested multiple times to speak directly with someone regarding the matter, but I was told that these disputes are handled exclusively by a third-party company, and no direct contact was possible.
Product: Credit card

I called to set up a payment plan because Im going through financial hardships right now and they were helping me set one up and they offer me a payment plan that I can not afford and I asked them if there was something else we can do and what other options can we do and they just kept repeating the same stuff over and over and ignoring my request and my help then they put me on hold for a while and then they told me they would contact me back through email about what they can do with my account. They couldnt answer my questions, and I feel like they dont care to answer my question or care to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a " hard inquiry '' reported on my TransUnion credit report that I did not initiate. It was reported on XX/XX/2018 by : XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Checking or savings account

On XX/XX/2023, I realized that I had some unauthorized pending charges on my Chime checkings account from a vendor called XXXX. Those pending charges amounted to {$590.00} total. In looking further, going back to XXXX of 2023, I realized there were even more unauthorized charges from that same vendor totaling around {$470.00}. I proceeded to open a dispute on all charges on XX/XX/2023. On the morning of XX/XX/2023, I was provided an email stating my dispute was complete and that Chime found that none of the transactions were in error and that I would not be receiving any credit for them. No additional information was provided. No details on how they came to there determination at all. I have called and complained. They claim that my dispute is being reopened, but it is still not reopened from what I can see in my Chime application.
Product: Debt collection

Bill # 1. amount {$910.00} date XX/XX/XXXX - Village of XXXX XXXX ( insurance company issued a letter that amount charged is too high and the recommended amount was {$650.00} but the company still continues collection efforts for the higher amount. Plus the bill was issued in the minor 's name not including the parent. Collection efforts are against the dependent not the parent ). 

Actions taken by me - included this bill in the Chapter XXXX Bankruptcy repayment plan filed in XX/XX/XXXX but still receiving bills from collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( XXXX XXXX XXXX XXXX ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my report.
Product: Money transfer, virtual currency, or money service

My money was stolen by a duplicate/ copycat website and cash app simply Said it was irreversible and they open a claim and closed it right away and I had no idea I open a claim and now its close. so I didnt even get a chance to state my case thanks for your help. The total amount taken was almost XXXX.
Product: Credit card or prepaid card

I applied on-line from a mailed pre-approval letter that highlighted no sign-up fees. After I received the card I called to activate it and there was already a balance of {$170.00}. I called customer service and stated I won't activate the card. They said they will close the card per my request and that " I will not be responsible for the balance. '' I week later I received the attached letter from the credit card company showing the {$170.00} balance stating that " if your account has a balance, you will continue to receive monthly statements. '' I called the number listed in the letter and spoke with " XXXX ''. After I told her about my conversation with another woman a week prior, " XXXX '' stated that that letter was already sent prior to my initial conversation. ( My initial conversation was on XX/XX/2021, which is the date of the attached letter. ) I requested a confirmation letter or email specifying that I am not responsible for the balance as promised from both conversations, but " XXXX '' said that if there is a balance it will be indicated in the next statement. So basically, " XXXX '' performed the typical creditor trickery of saying one thing and doing something completely different ; why would I receive another statement if I never activated the card, the account is closed and I am not responsible for the balance? For the record, I cut the card on XX/XX/2021.
Product: Debt collection

XXXX XXXX ( me ) had an account with Collection Bureau of America, XXXX  XXXX.

I paid the ENTIRE principle down two years ago, and they assured me that they would stop reporting.

I get my credit reports two days ago and see they have been reporting a {$10.00} " late fee '' as unpaid principle. Let me repeat : I paid them the ENTIRE amount they requested. 

I have tried to work this out with them but their only solution, which is basically a Pay to Delete scheme, is that I pay the {$10.00} " late fee, '' and a {$7.00} credit processing fee.

Neither of these fees existed when I paid the original principle which, to be honest, was difficult because it was over {$450.00}. I paid that at one time, there is no reason I would have left a {$10.00} remainder and it has been DESTROYING my credit. 

When I call, they hang up when I tell them they need to legally remove it. They are scamming me into paying a fee they made up. They told the principle debtor I XXXX XXXX XXXX  in XXXX  ( since I did ). This is illegal, immoral, and honestly it's gross.
Product: Money transfer, virtual currency, or money service

Searching for ammunition for a shooting competition, I found this online site ( XXXX XXXX XXXX  ). I XXXX  the site to make sure it was a real location, and when it turned up as a legitimate business in New Jersey, I proceeded with using the site. Submitting the order on the XXXX of XXXX, for {$1100.00}, it processed through. I was contacted by the " shipping company '' ( XXXX ) that the store uses, claiming I needed to pay an additional $ 1400+ for shipping fees, insurance, and a " diplomatic seal ''. 

At this point, fairly certain it was a scam, I contacted the help center of the site only for them to tell me that it is a normal practice for that amount of ammunition. I contacted again, requesting a refund, and received no reply. I contacted the phone number on the site, and reached someone at the " store '' who told me the manager handles online orders, and would be out till the XXXX of XXXXXXXX Waiting till the 1st,  I again tried to contact them with no results. 

Today, I contacted the store using the XXXX business page, only to be told that they do not have a storefront, and that they have been receiving multiple calls about their online store. I contacted my bank ( JP Morgan Chase ), who has told me that my money is completely lost and that there is no way for them to recover it, due to it being processed by their partner XXXX. XXXX refuses to attempt to recover the funds, despite them having the email that the funds were sent to, which must have a bank account connected to it. Chase refuses to submit a fraud claim, since the money was accepted by the scammer and is considered a " completed transaction ''. I have no support from either financial institution, and both are telling me that they have no way of recovering my money. 

Both Chase and XXXX are unable to elaborate on why they are unable to pursue the issue, other that than in their lengthy and fine-print filled disclosures, they offer no protection for personal transfers. But their site and application suggests using XXXX to pay for bills and other official items that would never be considered a personal transfer from one person to another. I don't understand why they are unable to track the funds, as both parties surely must have a digital trail of where the money has been sent. 

This site is still up and operating, and I am still trying to find some way to recover my money.
Product: Checking or savings account

I called Bank of America in XX/XX/2018 informing them I made a terrible mistake and had forgotten I had given my Son XXXX XXXX permission to take money from my bank accounts If I ever became seriously ill again. Frauds Department had already processed this claim as a fraud and gave money back to my account on this transaction. I told them several times in XXXX, last month, this was not a fraud and I had forgotten I gave my son permission. See my affidavit uploaded here., the bank said they would begin to reverse the claim and process it. On XX/XX/XXXX I got a letter uploaded here also, from some banking department saying the claims that my son has made an issue would not change in their decision. Regardless of my many calls to the bank in XXXX informing the bank I made a big mistake, that I had forgotten I had given my son permission for my banking matter when I was ill again. The bank did not reverse the claim and said the decision was final. How can this be? This is very wrong and their first decision was based on false information I had mistaken gave them to act on.. Now the bank is still pursuing my son for recovery of the funds when he has done no wrong. He was only doing what I told him to do. The bank needs to correct the error and reverse their decision. Iconfirmed many times in XXXX that this claim was an error filed by me. I never sent them in any paper work or affidavit either, until just now confirming here that this was not a fraud. My son was only obeying what I told him to do. 
I have drafted a notarized Affidavit today so there will be no more misunderstanding about the facts and circumstances in my banking matters and this claim which had a claim # XXXX. 
This affidavit clears my son of any wrong doing and is documented that I made a big mistake and forgot I had given my son permission to take money from my bank accounts.
Product: Mortgage

1 ) The communication with Federated Mortgage began as early as late XX/XX/2018 and is ongoing. 
2 ) We have exchanged in excess of 100 emails, facsimiles, statements, lease contracts, tax returns, XXXX, status requests, and confirmations of progress.

3 ) I have already paid {$550.00} in good faith for an appraisal on one of the homes under consideration. 
4 ) During the span of time indicated between XX/XX/2018 and XX/XX/2018, Federated has made repeated requests for the same documents with huge gaps in time lapsed in response. The entire process has been vague specifically with regard to the cause of delay which has subsequently triggered further delays.

5 ) I have expressed my ongoing concern about how the initial rate expressed would be impacted by the long process and received assurance that protection would be provided in the form of extensions.

6 ) Over the most recent month, Federated conveyed and introduced origination points that if not paid would cause the initial rates to be increased.

7 ) The process to refinance an existing investment property while leveraging a fully paid principal residence remains outstanding.

8 ) In conclusion, I have made an effort from the onset to be transparent with my intents to preserve both properties, comply with each request for documentation, only to find no closure in completing the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against SYNCB/TJX DUAL CARD, the reason for these complaints is that several requests for credit appear without my authorization and without my permission, I requested via certified mail the elimination of these inquiries and you. You have not made any change in my credit report with XXXX. Because you have not done anything about it I request that the following inquiry be removed immediately from my credit report with XXXX. 1 ) SYNCB/TJX DUAL CARD, DATE : XXXX ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. This is illegal and highly injurious to my credit rating. Unless you immediately contact the credit bureau and remove this inquiry from my report, I will have no choice but to take legal action. Please govern yourself accordingly.
Product: Credit card

I am disputing the collection account with XXXX account number XXXX XX/XX/year>, with a balance of {$380.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Mortgage

XXXX was made through XXXX XXXX Mortgage. The servicing of the new mortgage is now being handled by PHH Mortgage. XXXX XXXX told me this via a letter. I never received a welcome letter or even a bill from PHH Mortgage. I have called them XXXX times. The first payment is due XX/XX/XXXX and I have no welcome letter, no bill, no way to pay because the website doesn't give me a way to pay the bill. Again, the website does not show any bill or a way to pay the bill.
Product: Debt collection

I have been disputing accounts with ARCADIA RECOVERY BUREAU since XXXX to no avail. I have even filed a XXXX complaint against them. They are willfully ignoring my validation requests. They have never sent me any dunning letters, or anything at all, and are seriously damaging my credit. They have violated the FCRA by reporting without my consent. They violated the FDCPA by willfully ignoring my requests for validation. They have caused major damage to my character, reported unvalidated derogatory information about me to the credit bureaus, and have continued to call my place of employment despite my many requests that they do not! The accounts that they are reporting are illegal. Please exercise the full rights granted to you and do everything you can to force them into full compliance with the laws that govern them!
Product: Student loan

My complaint is with Navient and how they abruptly ended my in-school deferment with no warning. When I asked why, XXXX answer was because I was only allowed XXXX months of in-school deferment and after they could not tell me where this was on the MPN, they told me that they could change my terms and conditions whenever they got ready. They continue to provide incorrect information and ca n't ever seem to provide me with accurate loan dates, deferment dates, payment history etc. I asked XXXX people for my MPN and I only received XXXX copy. I took out my first loan with XXXX XXXX in XXXX, I had a tuition answer loan and the terms did not state anything about a XXXX-month in-school deferment. After I graduated from undergrad in XXXX ( XXXX University, XXXX, XXXX ) I attended XXXX XXXX off and on until XXXX. If I had XXXX months of in-school deferment, I would have heard about it way before now. I called today and asked them if they could do something to lower my payments, they told me that in order to do that, they would need to run my credit and the co-signers credit, and review our financial statements. I asked how I could remove the cosigner from the loan and I was told that I would need to make a XXXX of on-time payments. I asked if I had done that already, and I was told since I just did a forbearance ( I was forced to do, since I was n't prepared for them to change my loan terms ) I would need to start over from that point for the next year proving that I could make payments. I asked about my previous loan payment history and I was told that did n't matter since I may not be able to make the payments now. She did n't even bother to look. Please do something about Navient 's shady tactics. I do n't want to be punished for trying to make affordable payments. 

I even contacted my current school 's ( XXXX University, XXXX, XXXX ) financial aid office to inquire about XXXX months of in-school deferment for private loans and even the director of Financial Aid had never even heard of such.
Product: Debt collection

This debt was garnished from my bank account in full in XX/XX/XXXX. As far as I knew, my dang was satisfied at that time. I communicated with them, they were aware the garnishment took place, and I made it clear that I am XXXX and do not have the proper coping skills for extremely stressful situations ( which it was. ) A few months later, I received a dissolution of garnishment, which I assumed meant the debt was satisfied. I never received additional legal paperwork or new filings. 

A XXXX  and a XXXX  later, in XX/XX/XXXX, my bank account was garnished again for the full amount of the debt. The original garnishment was still being held by my bank. I contacted the collection company and they said someone had neglected to file paperwork properly to request the funds from the bank. Those funds were also never released back to me. I had also been charged fees and my amount owed increased from approx XXXX to over XXXX. I was struggling with my XXXX and medical issues already, and this added more stress, and contributed to me having to take XXXX leave from work in XX/XX/XXXX. All of the funds were finally released from my bank, and I contacted the creditor asking for settlement options so I could pay them directly and make this problem go away. They would not provide those to me, and within a couple days I received a notice that my paychecks were going to be garnished. So I let that happen until the amount was paid in full. I have confirmation that those funds were collected and are still being held by XXXX. 

I have now received another request being then to be paid for the same debt that has been garnished XXXX  times. The amount owed is over {$2500.00} because they have continued to charge me fees. I dont know what to do. I am autistic and have XXXX, so my cognitive functions become impaired when XXXX under too much XXXX. I am vulnerable and feel like I am being exploited. XXXX trying to do whatever XXXX supposed to do- they have had the opportunity to collect their money multiple times, and have neglected to do so multiple times through no fault of mine, and are using that as an opportunity to charge me more fees. Please help me.