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

I am writing to formally express my dissatisfaction regarding the recent denial of my dispute for unauthorized charges that appeared on my account. The charges, which were made by XXXX, were neither authorized nor recognized by me. Despite providing all the necessary information and documentation to support my claim, my dispute was unfairly denied. 

I believe this decision is both unjust and concerning. As a customer, I rely on your commitment to protecting my account from fraudulent activity. I have already contacted XXXX and have not received any satisfactory resolution from them, which further supports my claim that these charges were unauthorized. 

I request that you reconsider your decision to deny my dispute and conduct a more thorough investigation into the matter. The denial has left me feeling that my concerns were not taken seriously, and I am now left to deal with charges that I did not incur. 

Please review my case again, and I would appreciate a prompt and detailed response to ensure this issue is resolved fairly and in accordance with the protections Capital One promises to its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it shows that I've missed payments to one of my lenders XXXX and that my balance has went up, presumably from missing payments, interest, and possible penalties, though XXXX  loan payments are suspended until XX/XX/2022. XXXX has never mailed me a statement, either.
Product: Debt collection

I got XXXX in approximately XX/XX/XXXX/XX/XX/XXXX for the home of my elderly mother and XXXX sister. It was a two year contract. My mother died the following XX/XX/XXXX. My sister had to go to a XXXX the following XX/XX/XXXX. I called XXXX and asked if I could therefore be released from the contract. They said that since it was in my name ( I did not live at the house ) that I had to honor the contract, even though no one was living there. I honored the contract and paid monthly until it was finished. Before it was up, I called to cancel it. I was told I had a {$0.00} balance and that they would send a shipping box to me so I could return the box ( receiver, whatever it 's called ). I never received the box and called back. They had sent it to the wrong address -- one I had never heard of. Then they sent it to the proper address and the box was shipped to them. I later received a bill for {$16.00}. I called and talked to several people and said I did not owe it and thought the matter was settled. Then I received a COLLECTIONS notice from Stellar Recovery, Inc. I wrote on the statement in black magic marker that I did not owe XXXX. I never heard from Stellar Recovery again and assumed the matter was closed ... .I recently looked at a copy of my XXXX credit report, as my credit score had plummeted from nearly XXXX to XXXX. I see on the report that Stellar Recovery reported me for owing XXXX {$16.00} ( with a notation that it was originally {$17.00}? I never heard of the {$17.00}! ). I want this charge to be completely removed from my report, and I want Stellar and XXXX investigated. It would be very nice if I could get a refund for the last year, after my mother died and my sister went to the XXXX, but that is n't my main complaint ; I want the {$16.00} TOTALLY removed from all credit files ... I realize that many dishonest people take advantage of utility, cable and phone companies, but I was being honest and attempting to do everything correctly. I see now that I should have contacted you concerning XXXX refusing to release me from the contract after the death and move to the XXXX in XX/XX/XXXX. And Stellar did NOT contact me in any form or fashion after I sent the dispute to them saying I did not owe the money. If you can not get this off of my credit file, I would like to know what legal resources are available to me to sue them. I am NOT going to live with destroying my credit for the next six+ years. I would probably have paid the {$16.00} they said I owed if I had known the matter had not been corrected and it was going to go against me. All of phone/cable/satellite companies apear to take advantage of those who try to be honest, as I previously had a battle with XXXX continuing to charge me after I had cancelled my service and have recently had to battle XXXX over charging me for internet service for five months after I moved and it was cancelled when I moved out-of-state ( resulting in having to spend four hours on the phone, speaking to 15 different people ). These companies seem to think they can charge whatever they want, and they make it nearly impossible to get the issues solved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Enforcement Against Equifax for FCRA Violations Dear CFPB, I am writing to formally request your assistance regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax. I believe that Equifax is in violation of 15 USC 1611, which pertains to criminal liability for willful and knowing violations, as well as 15 USC 1681, which focuses on the accuracy and fairness of credit reporting. 

Specifically, I have discovered that Equifax has reported my XXXX XXXX XXXX XXXXXXXX account on my credit report, which unlawfully reports my transaction history. Under the FCRA, it is illegal for credit reporting agencies to furnish information that is not accurate or fair, and I believe this inclusion constitutes a clear violation of these legal standards. 

I kindly urge the CFPB to investigate this matter and enforce the necessary actions to compel Equifax to remove XXXX XXXX XXXXXXXX XXXX account from my credit report. The continued presence of this account is adversely affecting my creditworthiness and financial standing. CFPB this account has been reporting my Transactions, Experiences for over 3 years. THE LAW CLEARLY STATES TRANSACTIONS ARE ILLEGAL. 

Thank you for your attention to this important matter. I look forward to your prompt action and response. 

Sincerely,
Product: Mortgage

We have an existing HELOC with TD Bank and they are sending us a lot of paperwork to review our loan. which is secured against our house. The problem is as follows : sending paperwork to the wrong address after we corrected it so we did not receive it. Sending us an email only on the XXXX. stating we have until XXXX XXXX to provide a lot of documents or they will term our loan out. I believe it is a loan they call XXXX, a term used within TD, which does not have an expiration date on it. So the contract was written incorrectly, in my estimation only. They are trying to push clients to terminate these loans and refinance. This is not our fault. XXXX should be looked at as a separate matter. We paid off our corporate loan, our HELOC on our second home, and maintain over {$700000.00} balance cash in the bank from the sale of that home. We were told our credit score was XXXX when in actuality it is XXXX, XXXX and XXXX. Also they said there is a judgement from XXXX XXXX ( which is incorrect ) for {$740.00}, which is a ridiculously small amount to bring up when compared to our timely payments on XXXX different accounts. We are working to have that eradicated. Even with that satisfied judgement my scores were that high. In the last five years we had XXXX late payments to TD on our mortgages, never delinquent. At this point, we owe {$100000.00} on a {$300000.00} credit line ( which we want to keep open ) on our HELOC and {$360000.00} primary mortgage which is secured by a property of {>= $1,000,000} with a {$700000.00} savings account. I want to keep our HELOC and not be forced out by TD. I have asked for a copy of the original contract that says they have the right to review it after 5 years and am yet to receive it.Their suggestion was to take our {$700000.00} of savings, put it with their wealth management team and be charges 1.4 % management fee per anum and then they would give us a {$300000.00} line against our stocks. It seems like a large conflict of interest and somewhat risky. I do not see where we have done anything wrong. I am XXXX, near retirement, and I want to keep that line to start a XXXX in Vermont. Incidentally, if they term us out, it will be a fixed payment over 10 or maybe 20 years but an interest rate of over 5.2 % and we are currently paying 3 %. But it is a fixed payment where we could not pay early or re-borrow again. It is an entirely different structure and would indirectly force us into not managing our money they way we want to.
Product: Credit reporting or other personal consumer reports

XX/XX/24 a letter was sent to Transunion discussing a few late payments that i needed to dispute and they have received my letter per my records and have yet to respond and acknowledge my request i also sent all necessary documents to identify myself.
Product: Debt collection

Trident management continues to report to XXXX credit reporting agency XXXX accounts that do not belong me. I have asked for validation on two different dates which has yet to be provided.
Product: Vehicle loan or lease

I purchased the vehicle three years ago, I believed the stipulations on the loan were to high, so I tried to refinance through my Credit Union and I was told I would have to give them. {$3000.00}, because the car was not the worth the value I paid for it. I was unable to refinance it through anyone. 
Carmax is a RIP Off. 
Sincerely, XXXX
Product: Debt collection

I filed a previous complaint ( XXXX ) on XX/XX/2021 about deceitful tactics and abusive language by the representatives at The SOS Group. On XX/XX/2021 my complaint was marked closed and the response was that I would be contacted by the company. Later that day I did receive ( missed the initial call due to work, but played phone tag a bit ) a call from XXXX. He was kind enough but denied everything in my complaint. However the resolution offered was for me to update my initial complaint saying they resolved it and in turn, he would have the debt removed from my collections report ( which was a huge part of my initial complaint and he denied was ever promised ). I agreed simply because this absolutely destroyed my perfect credit which is another devastating blow after crippling medical debt. I updated my complaint praising XXXX in hopes he would stay true to his word. I received a call in XXXX that my automatic payment was declined for some reason and I needed to pay. I immediately did and called my bank after I got off the phone. They have no record of an attempted charge nor a declined payment. I cant think that this was an effort to prove I didnt follow through with my end of the agreement. 

It is now XX/XX/2021 and no effort has been made on the part of The SOS Group to follow through with their end of the agreement, the collections is still listed on my credit-the balance has decreased but it is still there. I am confident The SOS Group will again fail to admit their wrong doings and accuse me of lying. I am sure they will deny ever agreeing to this. I certainly would never have agreed to amend my review if this wasnt offered. Be aware when entering agreements with this group, they will absolutely lie and fail to live up to their word.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681a ( exclusions ) was supported when contacting all persons. None of the reporting agencies deleted the requested information and concluded as accurate. They are violating my consumer rights under 15 U.S.C. 6801 ( a ).
Product: Credit reporting or other personal consumer reports

attached is a ftc report. 

I am a victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transactions that i have made. it is the result of identity theft. please block this information from my credit report, pursuant to section 505b of the fair credit reporting act and send the required notiifcations to all furnishers of this information Transunion XXXX XXXX XXXX  XXXX XXXX inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report because i always keep up with m credit but when i saw my scores going down when i research i find out companies pulling credit can affect credit scores etc. and i found some companies have been pulling my credit without my authorization. some of the companies i spoke with regarding one thing or the other are always asking for personal information but never say is it ok to pull your credit and then later on i see they have pulled my credit with verbal or written verification from me, i and i find out that they are not supposed to be doing that, and i can dispute all that I feel was not authorized by me. on XXXX the XXXX i called XXXX spoke to someone in the fraud department explained that i have contacted the company that pulled my credit they were not trying to help me and the said to follow up on my credit report in 72 hrs. ' not change i call again several time after no change. im writing asking to have those hard inquiries removed deleted from my credit report as i did not authorized and of them listed XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Business Type : Sales Financing Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquired on XX/XX/XXXX Business Type : Leasing and Rental Reseller XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX-XXXX  account number # XXXX. ( Please see page attached from my credit report. ) I have not missed any mortgage payments. I have also attached my bank statements showing the timely consecutive monthly payments on this account. I have contacted the ( 3 ) bureaus to remove these late payments however, I have not been successful. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

My mortgage with XXXX was transferred to RightPath in XX/XX/2022. 

As instructed by XXXX, I made my XX/XX/2022 and XX/XX/2022 payments to XXXX  on time and in full. I began paying RightPath XX/XX/2022 until the present - again paying on time and in full on the XXXX of every month. 

RightPath claims I owe them for 1 month 's payment- but I do not. I've contacted RightPath several times since the transfer. I've provided proof of payment for XXXX XXXX XXXX from my bank. I emailed proof on XX/XX/2022, XX/XX/2022 and XX/XX/2022 but to no avail. I've asked RightPath to reconcile my account and apply payments correctly and I've been getting the run around. 

I've attempted to contact XXXX to solicit help but they were acquired by RightPath and their site no longer allows me to contact them about my loan. 

My mortgage payments have not been applied correctly and I need your help to get RightPath to resolve this issue.
Product: Credit reporting or other personal consumer reports

TRANSUNION SHOWING ACCIDENT REPORT ON MY PERSONAL REPORT. i DID NOT INVOLVE ANY ACCIDENT OR CLAIM ANY INSURANCE. WHEN i AM GETTING NEW INSURANCE XXXX, XXXX SHOWING I INVOLVED ACCIDENT. XXXX  REPORTING XX/XX/year> REPORT NOT CORRECTED INFORMATION. TRANSUNION NOT REMOVING WRONG INFORMATION. iT IS BULLYING FOR MORE PRICE. IT IS SHOWS XXXX CORRECTED INFORMATIN REFLECTING PRICE OF MY INSURANCE.
Product: Checking or savings account

It started on XXXX XXXX when a scammer which I dont at that time invited me to an XXXX investment and I send money by buying coins from XXXX using my checking account at TD bank and Bank XXXX XXXX and later I found out that the said investment was a scam and I complained to TD bank and XXXX XXXX  XXXX but they say the transaction was legitimate and I was claiming that the scammer took my money in the amount of XXXX which some from XXXX XXXX XXXX and mostly was from TD bank and when I wired transfer big amounts in TD bank they never warn or ask me if why I send that big amounts of money which is around XXXX but sent in 3 transactions and I was trying to claim another XXXX that I sent to the scammer thru XXXX  from my credit card and checking accountXXXX XXXX XXXX was able to prevent me from sending that big amounts to the scammer unlike TD bank.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my XXXX, Equifax, and XXXX credit reports on XX/XX/2023, and noticed I have several hard inquiries that I did not authorize. I contacted the bureaus and was told to send a letter in writing, which I did, but the inquiries have yet to be removed.
Product: Student loan

I have XXXX loans serviced by Navient, XXXX of which are current. I graduated college from XXXX XX/XX/XXXX. The program I was placed on for repayment of my loans XX/XX/XXXX was too high and I could not make the payments. I asked for a new program, something with lower payments, possibly based on my low salary ( under XXXX ). I was placed into a " graduate '' repayment program. I was not at that time, or any other time, told that Navient offered Income based repayment programs with Loan Forgiveness. I never received any correspondence or phone calls regarding this, and I was under the impression my only option was to stay in the graduate repayment program until my credit was sufficient enough to consolidate. On XX/XX/XXXX, my payments were increased again drastically, by over {$150.00} a month, and automatically pulled from my bank account without my knowledge. Navient explained because I was on the auto debit repayment option, they were free to raise my repayment amount and pull the new amount, as it would not effect my repayment schedule. The interesting thing is, when I had previously called and attempted to make additional payments on the principal amount of my loans, I was told I could not do so without effecting my auto debit repayment schedule, which would raise my interest rate ( Navient offered a reduction of .25 % interest rate on all loans for auto debit ). I contacted Navient with concerns about my new repayment amount, and they then, XX/XX/XXXX, guided me towards an income based repayment program they said had been available since XX/XX/XXXX, and that it was more beneficial for me financially then the graduate program. I found this extremely frustrating, because I could have been contacted or emailed at any time and told this!!!! It seems unethical they could withhold certain information from me which would benefit my status as a borrower. I was also told that my four years spent on the XXXX Based repayment program did not count towards the income based repayment program, and therefore I have to start from the beginning again. I no longer trust my student loan corporation. Its obvious that the bottom line is more important than their customer base.
Product: Debt collection

I graduated in XXXX from University of XXXX  at XXXX with a XXXX XXXX in XXXX. I consolidated my student loans and was making timely payments. In XXXX, I moved with my young family to the XXXX NY area and began working for XXXX  XXXX ( XXXX XXXX ) - a state hospital which is designated as a Disproportionate Share Facility. I learned of a student loan repayment program, applied, and was accepted. For three years, from XXXX, I participated in the program. I left XXXX  XXXX in fall of XXXX, and returned in XXXX of XXXX -- I have remained a full-time employee of this company every since. In XXXX of XXXX, I received a Certificate of Completion for XXXX Student Loan Repayment Program and a congratulatory letter from US Dept of Health & Human Services ( see attached ). From that date, XXXX of XXXX, I NEVER received ANY further correspondence, bill, or indication of further student loan debt. 

Fast forward to nearly 10 full years later, XX/XX/XXXX, I began receiving calls from a company and assumed it was a wrong number or telemarketer. It was Navient, claiming that I owed over $ XXXX in student loans to them and that I was delinquent in my payments. I tried to explain to them that I had never had an account with them and did not have any outstanding student loans that I was aware of for nearly 10 years. Shortly thereafter, I noticed that my credit reports had taken a plunge -- Navient started reporting this fraudulent account on my credit reports!! 

Of note, I had just purchased a home for $ XXXX and a new car In XXXX of XXXX. At no point during those large purchases, was there ANY indication that I had outstanding student loan debt. From XXXX on, my credit reports reflect that my student loan accounts are at a " XXXX '' balance and have been closed.
Product: Credit card or prepaid card

I did have direct deposit until all this stuff happening. I was overdrawn on my prepaid debit card by XXXX and with a {$15.00} fee it came to XXXX and with a {$20.00} order rush it came to {$130.00} which. Was taken out of my account when I received my oregon income tax refund of {$220.00} on XX/XX/XXXX then again on XX/XX/XXXX {$110.00} Was taken out again then another XXXX was taken again but this last one was taken off the registry but it was still taken not spend kept saying it's on there but not taken off. I finally got someone to go transaction to transaction to determine my actual balance and then when he realized I was right he hung up on me so netspend took out the {$110.00} out of my account 3 times so even though on XX/XX/XXXX netspend has the XXXX as a positive to my account but they took it out of my deposit on XX/XX/XXXX then again 2 more times and one of those times netspend erased from my register but in an audit it will be proven just be going through my account transaction after transaction to be technical this is not spend all access
Product: Checking or savings account

My husband passed away unexpectedly XX/XX/21. He was a XXXX veteran who was receiving his pension, XXXX, etc, direct deposit in his Chase bank account. I am listed as a beneficiary, and Chase has already confirmed that. Ive given death certificates, letters, etc, and its verified that XXXX account is now mine. A few weeks ago, I went to withdraw money, and when denied I immediately called Chase. I was told they put the entire account on hold in anticipation of a possible overpayment by Social security, and froze the account until the bank could verify the deposit wont be taken back!! When I confronted the bank they finally agreed to release the amount minus the possible overpayment, and the hold should be lifted soon. I cant pay bills! Go see the doctor! Pay rent! Pay for a funeral! They are currently holding more than {$5000.00}, even though one deposit was under {$2000.00}!? I need help! 
My husband fought for his country, and worked for decades for that money, and Chase has NO right to withhold funds for several weeks!