23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a dispute on for 24 charges that were made on my account. These charges are identical to previously disputed charges and all online transactions. I hadnt used my account online besides XXXX and to pay bills. When disputed I was told to wait 10 days. I also sent a written notice of dispute. When the 10 days was up I was told my claim was denied because the charges matched previous charges. However the charges that they matched are the same charges I have previously disputed. The card company has since reopened and closed my claim several times. When I ask what can be done about This because I didnt make the charges they tell me someone will contact me. No one had contacted me. The claim has been over the ten days and they open the claim and closed it when they want without providing any type of credit.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed.. thanks hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Walmart credit card closed my account stating returned payments. The payments were returned because of an error when we changed banks. All payments were corrected and made on time. Further, my wife also had a Walmart card and hers was reinstated after the same problem.
Product: Debt collection

I am a XXXX survivor who had been receiving periodic testing & follow up care from XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I had lab work done every year for XXXX markers, and this was typically done every Spring. During XXXX, this testing was pushed out to XXXX due to COVID-19. In prior years, I was never charged for this routine lab work, though I may have been charged for certain other procedures or testing. For the XX/XX/XXXX lab work, I was charged {$400.00}. I made repeated attempts to dispute and research through XXXXXXXX XXXX  Billing Dept, through XXXX XXXX 's office, and through XXXX XXXX XXXX. XXXX advised me that it was due to the way the claim was filed. XXXX and XXXX said that the claim would have to be refiled as XXXX instead of XXXX. XXXX XXXX, XXXX in XXXX XXXX 's office advised me by phone in XX/XX/XXXX that she would do that, although her verbal comment was not included in any of her email communications. She explained that XXXX had been taken over by Tenet Healthcare and there had been several billing errors during their transition around the Fall of XXXX. Billing had been paused during research, but I received another bill in XX/XX/XXXX since the claim was never refiled. It is now apparent I can not get this resolved through Tenet/XXXX or my insurance. My position is that I should have been billed the same in XXXX as I had been in prior years. I would not have had this lab work done if I had known I would be charged {$400.00}. " What changed '' seems to be Tenet Healthcare 's billing practices, and I was not notified this otherwise routine lab work would be billed differently until after it happened.
Product: Debt collection

To Whom It May Concern, I am writing in response to a collection notice I received from your company regarding an alleged debt with the account number XXXX. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which entitles me to request validation of the debt you claim I owe.

Please provide the following information to validate the debt : 1. The name and address of the original creditor.

2. A copy of the agreement or contract that created the debt.

3. An itemized statement of the debt, including the amount of the original debt, any payments made, and how interest and fees were calculated.

4. Proof that your company has the legal authority to collect this debt ( e.g., documentation of assignment or ownership of the debt ).

5. Any supporting documentation that substantiates your claim that I owe this debt.

Be advised that this is not a refusal to pay but a request for validation of the debt. Until I receive the requested information, I respectfully request that you cease all collection activities, including reporting this debt to any credit agencies, as required by law. 

If you fail to provide adequate validation within 30 days, I will consider the matter resolved and expect no further contact from your company regarding this debt and for this to be removed from my Credit Report.
Product: Student loan

The government approved loan forgiveness until XXXX. However, Navient does not apply to this forgiveness apparently. Around the same time my payments got recharged, my family member was having a life-threatening XXXX. They would not remove the late fees. I also explained my own personal health conditions and offered to send in documentation. They said they have rules that need to be upheld and the fees can't be removed. Customer service representative and a supposed supervisor said no exceptions can be made regarding late fees regardless of the severity of the circumstance, even if there is a death in the family. I've heard other people with out-of the ordinary situations where they miss a payment. Credit card companies and other loan companies will make exceptions for understandable " life happens '' situations every once in a while ; but not this company. They have no basic human decency and their customer service representatives are very demeaning and rude. Very unethical business practices.
Product: Mortgage

First communication was established on XX/XX/XXXX. I informed them based on my current loan amount, and original appraised value and seasoning, I would be eligible to remove my PMI. I followed up on XXXX and they said additional research was needed. On XX/XX/XXXX they got back to me stating " Please be advised that as as per XXXX XXXX investor we considering sales price {$540000.00} below is the calculation of XXXX : XXXX =current unpaid principal balance ( UPB ) / sales price amountXXXX = $ XXXX $ XXXX XXXX % Please send the signed PMI cancellation form and the XXXX fee of {$190.00} to order the XXXX. Please note that we can not order the XXXX  until we receive the XXXX fee. The XXXX fee may be sent by mail or paid via telephone at the number below : The signed cancellation request form and XXXX  fee can be mailed to the following address : '' I am not away of a retirement to request a XXXX  for having PMI removed if all requirements are met. 

I then called and they told me to wait until XXXX, so I did. Sent them a message in the portal on XXXX XXXX for PMI removal, XXXX got an automated message saying it was sent to their PMI department. Followed up on XXXX and still haven't heard anything.
Product: Debt collection

They call just about every day with two different numbers. Then I have to block the new numbers they call on. They been doing this for 3 months or so. They want me to pay on debt that's 10 yrs old. Auto loan. Plus I filed bankruptcy. Threatening to take my license and sue me in court amd take my social security XXXX. I have yet to see any of those actions but they have left voicemails in the past saying they are some government agency and are notifying me that I will be sued in court very soon and to take my valuable possessions and cars I might have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have demanded to see Verifiable Proof an original Consumer Contract with my Signature on it XXXX, Equifax and XXXX XXXX have failed to positively verify these accounts. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX must remove the accounts listed below : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit profile was hacked several times now my credit score can not be used for anything and I want to clear this up immediately. I just found out about this process and really need this rectified Thank you.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Professional Debt Me U S Dept of EDXXXX XXXX XXXX XXXX All Debt Solutions ComenityBank/Victoria
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX for Incorrect Credit Reporting and Failure to Validate Debt Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Against : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue Details : I am filing this complaint against XXXX XXXX XXXX for the following violations of consumer protection laws related to the handling of an alleged debt of {$1100.00}, which they claim was purchased from Milestone/Bank of Missouri. 

1. False Reporting of Debt : XXXX XXXX XXXX has inaccurately reported to the credit bureaus that they are the original creditor for the alleged debt. This is factually incorrect, as they informed me that they purchased the debt from XXXX XXXX XXXX  XXXX Reporting this incorrect information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires that companies report only accurate information to the credit bureaus. 

2. Failure to Validate the Debt : I requested XXXX XXXX XXXX provide written proof of the debt, including validation documents as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. To date, they have failed to provide any validation of the debt, including the original contract or any legal documentation proving I owe this amount. The FDCPA requires debt collectors to validate the debt upon request, and their failure to do so is a direct violation of federal law.

3. Continued Reporting to Credit Bureaus : Despite their failure to provide validation, XXXX XXXX XXXX continues to report this debt to the credit reporting agencies ( XXXX, XXXX, and TransUnion ), which is a violation of the FDCPA. Under the law, they are required to cease all collection and reporting activity until the debt has been properly validated. 

Impact on Me : Due to XXXX XXXX XXXX 's incorrect reporting and failure to provide proof of the debt, my credit score has been negatively impacted, and I am now facing unwarranted financial harm. I have been unable to resolve this matter through direct communication with the company, as they have repeatedly failed to provide any documentation or rectify their false reporting. 

Desired Resolution : I am requesting that the CFPB take action to : Investigate XXXXXXXX XXXX XXXX practices concerning this alleged debt. 
Instruct XXXX XXXX XXXX to cease reporting this inaccurate debt to the credit bureaus immediately. 
Require XXXX XXXX XXXX to provide delete all references to this account from my credit report. 
Impose any other corrective actions deemed necessary to ensure compliance with the FDCPA and FCRA. 

Attachments : I am attaching relevant documentation, including correspondence with XXXX XXXX XXXX, and credit report excerpts showing their false reporting. 

Thank you for your attention to this serious matter. I trust the CFPB will take appropriate action to address these violations and help resolve this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureaus are ignoring my request for correction of the disputed accounts. After I ordered my updated Credit Report, I noticed that the Credit Bureaus indicates that the disputed accounts ' dispute status are " Account not Disputed '' despite the fact that I have been disputing my Credit file for 5 months already. It makes me wonder whether the Credit Bureaus are really contacting the Creditors to investigate the accounts, or are they really conducting an investigation. Also this CFPB complaint is my 11th Complaint to be submitted still requesting that the Credit Bureaus correct the information they present on my Credit report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$6000.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

This account that was with XXXX  was closed back in 2016 and picked up by now XXXX XXXX XXXX. They was trying to take me to court and is reporting on my credit in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Experian basic membership. I want to just have my credit report frozen. Won't do it unless I sign up for credit lock services. Credit lock is supposed to be free.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Hello! I have an Ashley furniture companys credit card by synchrony. They have charged me {$1300.00} on my XXXX bill. Saying its 29.99 % interest for the whole amount then charged me additional interest of {$100.00} on my XXXX statement which I was told by the rep 2.4 % per month. So despite charging me the whole 29.99 % which is basically a 12 month interest they still kept charging me {$100.00} every month that is too much interest. They are driving people more to debt specially the way they do it. The agent I spoke too said I cant do anything about it because that is how they do their business. I wasnt aware and was very surprised. This store credit card has a very bad way of doing its business. I think it should be reported to you. You should not allow them to offer credit cards to their future customers this customers will be in debt because of this credit card company. I wanted to dispute this and to let everybody know not to get Ashleys furniture credit card or you will be in debt after their promotion. Before I got this credit card I was not even told about the way they do the promotions and the interest. I really am very disappointed I can say I probably will not be a future customer anymore including my family. I really like them but the way they do their credit card business is not right. I have a lot of store credit cards and that is why I am loyal to them but this is so far the first store credit card company that does its business this way. I think it is very unfair to do this. I hope you Guys can talk to them and have them stop their way of business.
Product: Checking or savings account

To start with I have attempted 7 times now through various channels to resolve my issue however the bank simply avoids responding to the actual issue by citing irrelevant information that pertains to changes made to the account after the actual incident occurred and those changes would not have taken place if the bank had not assisted a secondary signer with fraud and account takeover of my companies business checking account to begin with. I had a checking account with TD Bank and at some point without my knowledge the bank allowed a signer and employee of mine to change the signers and owner of the account in effect removing me as owner from my own checking account and they refuse to assist me since I am not on the account anymore although the changes made were unauthorized and according to bank policy what took place should not have been possible unless all signers were present which I was not or by closing the account and opening a new one which did not occur since the account number has not changed. The signer that removed me from my account is now deceased and the probate court has ordered the signers now to be changed to the personal representatives and this is the banks response but I want to know how I was removed from my account to begin with by the now deceased individual so a response related to the latest changes is not acceptable nor does it address the issue.
Product: Checking or savings account

I was updating my payment for an XXXX XXXX payment to pay from my checking account from First Tech Federal Credit union on XXXX. I set up a payment for {$130.00}. The account was supposed to pay from a checking account. XXXX XXXX, IMMEDIATELY notified me that the account had an error, and upon checking the account numbers I realized a no-balance savings account for First Tech had been linked. XXXX  instructed me to reach First Tech and place a block on the payment. I called First Tech immediately. Long hold times, no answer. I then went to secure messaging on my profile to advise of the error and asked for help on XXXX in blocking the payments for the account in error. The replies were " It is not our fault. '' Sorry the fees won't be reversed. I continued to call multiple times, send more messages on online messaging, to be told that " It's not our fault XXXX tried to pull payments, the fees are valid ''. See attached messages. 
My issue is no one was responding, or appropriately reviewing options to help me correct this issue. 
I very quickly corrected the payment with correct account and the XXXX payment from correct First Tech checking account was processed for {$300.00} ( as I had~ {$2000.00} funds available on XXXX for the purpose of bill payments ) on XX/XX/2020. It took a few days to process with the account correction. 
XXXX was amazingly helpful, no fees charged, great direction in how to resolve. 
FIRST TECH FED CU, not helpful, dismissive, and unwilling to reverse the fees. No help in discontinuing the fees from recurring. 

I was charged a fee of {$28.00} on XXXX, another {$28.00} fee on XXXX, and another {$28.00} fee on XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with Experian and my investigations were done within 24-48 hours. I do not believe proper investigation was done for accounts on my report.
Product: Credit card or prepaid card

Ordered merchandise from XXXX XXXX XXXX ( Merchant ) on XX/XX/23 Order XXXX XXXX for {$200.00} & on XX/XX/23 Order XXXX XXXX for {$890.00}. Either of the 2 items were received. I reported a non delivery complaint of items was reported to Merchant & PenFed ( Credit card company ) on XX/XX/23. The Merchant denied to refund for either item reported undelivered without any explanation. PenFed did offer a permanent credit of {$200.00} for 1 of the items on XX/XX/23. On XX/XX/23 Pen Fed claims the charge of {$890.00} is valid and declined to issue a refund of the undelivered merchandise without explanation. I am requesting the refund of {$890.00} from Pen Fed for merchandise I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inquires that was not authorized by me on my credit report and no corrections was made. They did not provide proof to me that the information was being pulled and if I authorized it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I purchased a new XXXX XXXX XXXX vehicle out of state ( Ohio ) and financed the purchase thru Hyundai Motor Finance. I live in XXXX, and the lien holder ( Hyundai Motor Finance ) is required to send the original title issued by the XXXX XXXX Ohio XXXX to XXXX XXXX so the vehicle can be registered and insured. I bought the vehicle on XX/XX/XXXX. I have contacted Hyundai Motor Finance, every week, since XX/XX/XXXX requesting the status of the title transfer. I have had numerous case # 's issued, the last was on XX/XX/XXXX # XXXX requesting the search for the title. On XX/XX/XXXX, XXXX XXXX in XXXX, Ohio mailed the title issued by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) to the XXXX XXXX XXXX, XXXX Tx XXXX location. XXXX  XXXX tracking number # XXXX shows the title was signed for and received. At this point in time Hyundai Motor Finance tells me that they can't find the title. I can not drive the vehicle legally in XXXX without the vehicle registered. Hyundai Motor Finance could easily remedy the situation by requesting a duplicate title from the XXXX XXXX XXXX XXXX ( XXXX ) and then send the title to the requested site I have provided in XXXX  to process the XXXX XXXX registration. We are over XXXX days and this is the worse company to try to address legal issues with.
Product: Checking or savings account

On XX/XX/XXXX, a debit card was declined during a transaction. I checked the bank app and saw a list of unauthorized withdrawls from an unknown person citing it as a XXXX account. After speaking with XXXX, these were not transactions through their system, this was someone posing as a XXXX transaction. 

I called my bank and opened a dispute immediately. A total of {$2900.00} was withdrawn from my account and my balance was overdraft by XXXX dollars. 

I was told a new debit card would be provided. As of this writing I have not received it yet, likely due to Monday 's bank holiday. 

On XX/XX/XXXX, I received a call on my cell phone from someone pretending to be with my bank 's fraud division and started to openly speak with him as I thought he was calling about the recent incident. He was telling me about new transactions against my account and confirming if I made them while I looked online and saw no issues with the account. I got suspicious and asked for information. He told me he could walk me through getting a refund if I went on my app. At this point I told him I would need a number to call him back and he hung up. 

I believe these incidents must be related. 

I have also filed a police report and put fraud alert on credit reports. 

My bank did not flag a succession of incremental withdrawals and said they can take up to 10 days to replenish my account.