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

I had my debit card stolen in XX/XX/year> and didn't realize for a long time, because most places require XXXX XXXX  now. Looking at my bank transactions in XXXX, I discovered someone had been using my card to buy gas at a XXXX. The transactions totaling {$970.00}. Immediately, I called chase and let them know. I was told they'd post a temporary credit to my account while investigation was being done. As of this morning, XX/XX/XXXX, all the credit posted to my account was reversed. When I called, they claimed that based on their investigation, there was no evidence that the transactions were fraudulent. I know for a fact that this is a lie and no investigation was done because 1. I do not have a car, as my car got stolen in XXXX. So how would I buy {$970.00} worth of gas and what would I be buying it for 2. All the transactions were at a XXXX 1 hour away from me. How and why would I drive 1 hour to be filling up my tank daily. Again, with what car?? 
3. I believe the basis of their argument was that I had other debit card transactions but that's exactly what we have XXXX  for. One can go months without needed to pull out a physical debit card 4. The results of their investigation did not turn up the person that did this transactions. If it's at a XXXX, can't they ask the establishment for the cameras and catch the person. How is an investigation conclusive when they wasn't sufficient investigation done. 

My case is being treated unfairly and it makes no sense to me, as I have been banking with chase for 10 years now. I believe the investigation done was lazy, if at all there was any done. As it's not hard to catch the culprit in a case like this
Product: Debt collection

on XXXX/XXXX/15 Richard Sokoloff Attorney At Law sent a letter at my home to pay him {$6700.00} for a hospital bill for some individual i never heard of, i called his office and explained it a mistaken ID and i do n't have any body by this name in my household, a month later i received another letter i called again and left explanation on his voicemail.now today XXXX/XXXX/15 someone dropped a court summons for me to appear in court, i called his office today and his office want to know my birth date and social security number which i do n't feel comfortable giving to a stranger, so his office person refused to talk to me. now i have to go to court to prove i am not the person they are looking for, this harassment is causing me anxiety from last 4 months
Product: Checking or savings account

I got an email stating my account has been frozen. No one will tell me anything and I'm being treated as a criminal. 

I've had an account with Ally for many years. I just opened a checking account with them so I can switch banks and now I have over $ XXXX in their institution and do not have access to it because they froze the account. 

Absolutely NO information has been given to me. 
CS Reps were super rude and unprofessional ( except the last lady I spoke with ) I am being old it will take 30 days to get a call. That is unacceptable. 

I have bills to pay, mouths to feed and accounts to manage. 

Anytime I've had an account frozen, it's fixed with a phone call on the same day. 

I demand an answer.
Product: Credit card

I have paid my bills on time and have a good relationship with my creditors. However, my new CITGO Rewards Credit Card issued by Synchrony Bank lowered my available credit from {$500.00} credit limit to {$80.00} credit limit with little or no warning. I learned of this only by logging on to my CITGO account to make a payment. I received no letter informing me of a potential problem with my CITGO credit. A reduction of my available credit, nearly 90 % of my good credit, has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.
Product: Debt collection

This is the second communication in regards to Discover who I was sent a letter via email. The phone number I contacted did not go through to a individual. ( Attempted 12 times in one day ) I subsequently called the number to see if the manager would correct the problem. My health condition is serious and I explained that I wrote down the amount of the settlement amount. The customer service manager made statements that were false and misleading as they did before. I was not told they would settle for 50 % as the manager explained that a disclosure would be required. Then in the following statement made the comment that 50 % was offered but expired in XX/XX/2021. I'm presently on permanent XXXX but did take notes and the representative when I requested 50 % and representative said it would be required to be approved. I told the representative that I would like to make it happen now to settle the account. It is at the point where they placed words into my mouth by confusing me. I suffered a serious head injury and can not understand when the agent has attempted to confuse me and places several numbers out. The one number that was said repeatedly based on notes was 65 %. The amount of 50 % would have been agreed upon with the time required to settle the matter. While this is what I can get and needed a few months was represented in a manner that confused me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. 


Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear Equifax I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft late payment account are as follows : * Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * Late payment XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

The estate account was not safeguarded by Fifth Third Bank and XXXX dollars was fraudulent transferred by its lack of oversight. In the dispute process one check was credited for XXXX dollars..The remaining XXXX dollars of the estate account was denied. This denial is based on Fifth Third Banks assertion that the claim must be filed within 30 days which is in direct conflict with Ohio Law as cited in Muller V. Muller. 162 Ohio App. 3d698 ( 2005 ). From the XXXX dollars the Fifth Third Bank has recovered XXXX dollars of the estate account from other banks according to the police department information. I have not been notified that the XXXX dollars has been deposited back into the estate account. This is a problem. Where is the management and notification from Fifth Third Bank and where is the money?
Product: Credit reporting or other personal consumer reports

Gold acceptance have a XXXX debt on my account i call them an let them no that does not belong to me waiting on a supervisor to call me still havent speak to no one its been almost XXXX XXXX
Product: Consumer Loan

- On XX/XX/XXXX, my wife and I went to the car dealership Toyota XXXX ( located on XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) to buy a used car ( a Prius from XX/XX/XXXX ). 
- We went in with an approval letter for a car loan from XXXX XXXX XXXX : a loan of XXXX $ ( the price of the car ), with a 5 % APR over 60 months ( and no down payment ). 
- The XXXX salesman told us that they would run my credit score to see if they could beat my XXXX offer. So they ran my credit score and they checked with their financial service to see what offer they could give me. They came back with the offer of a XXXX $ loan, with a 9,9 % APR over 60 months, after a down payment of XXXX . 
- Therefore, we aggreed to sign a contract with their offer ( in case XXXX did n't give us the loan ) and we gave them a XXXX $ check for the down payment. When we were signing the contract, they even said this contract is just in case you do n't give us the check of the loan you expect from XXXX. 
- A week later, XXXX called us to tell us that they changed their mind and that they would not give us the loan. We tried for three weeks to get this loan with UME, adding my wife on the loan and providing additional paperworks, but XXXX refused. 
- So we called Toyota and told them that we will honor the contract they established - with their financial service - based on my credit score, and that we will send them the first payment on XX/XX/XXXX, as specified on the contract. 
- This is when Toyota told us that the contract that we signed was optional and that we needed to come back to their office in order to sign a new contract, with a higher APR. 
- We read the contract many time and we even talked about it with a lawyer friend, but it is specified nowhere that the contract is optional. Plus, the offer ( and the APR ) they offered us in the first place was already based on my credit score and profile. It was approved, on XX/XX/XXXX, by their financial service before we signed it. 
- Toyota called us again. When we said that we could not see anywhere that the contract was optional and when we asked them to provide us legal proof that we had to sign a new contract, the Toyota salesman said we have been fair to you so now you have to be fair to us and come sign a new contract. When we insisted on seeing a legal reason to do so, he said that he would transfer us to his superior ( which he did n't ) and threatened us to repossess the car before hanging up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602A. State I have the rights to privacy.

15 U.S.C 1682 Section 604A 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not have communication with the consumer in connection with the collection of any debt.
Product: Debt collection

After renting from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ky. XXXX for 2.5 years never being late for rent, never being wrote up I received a 30 notice to vacate by the XX/XX/XXXX, no reasons, because when I started living there I was a truck driver and three months after being there I had to stop because of health problems, which made it hard to get a apartment cause I had started getting XXXX XX/XX/XXXX my income had changed, so it took me to the end of the month before I found one, but I did not come back to the premises after XX/XX/XXXX, I went to a XXXX XXXX and stayed a little over a week, put my furniture in storage. I got in the new apartment the XXXX or XX/XX/XXXX did not look back or go back to the other apartment cause of being furious about what they had did. Left the deposit. About XX/XX/XXXX I went online and saw that XXXX XXXX said I had some activity and found a bill from a credit collection agency for XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Ky. XXXX for XXXX one of the bills was for rent of XXXX for XX/XX/XXXX and I had vacated and the other was for late fees of XXXX a constable fee, a clean up fee, etc. I see it as gouging me and extortion for a outrageous amount as you will see on the last rent payment is XXXX which there was a XXXX lockout fee which I thought was overly priced for a key and XXXX or XXXX fee over XXXX utility cap, they were also known to charge XXXX a day late fees for rent, etc. I did not find out about these outrageous fees until after I moved in. My point being is that I never knew about this XXXX charge until I checked XXXX XXXX, I had no chance to dispute before it went to my credit report, I am walking with a cane it wasn't like I was running around in the apartment tearing up stuff deliberately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy and completeness of the information contained in my credit report maintained by your agency. I have recently obtained a copy of my credit report, and upon review, I have identified several discrepancies and incomplete data that require immediate attention. ( See Attached )
Product: Debt collection

I had gotten a bill collection letter in the mail today, from physical therapy, filed in XX/XX/2023, file XXXX XXXXXXXX Well I do not owe any amount for my therapy appointments, every time I went in I did the right thing and asked how much I owe and my answer was nothing, it shows you owe nothing, so how am I getting sued for not owing anything? I havent even gotten a so called bill for this and Im angry, I did the right thing and now they say I owe them all this money, no, no I dont
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Freezes On My Credit Report And So Many Different types of people And Places Looking Up My Credit Reports And Every Time I Applie For Any Type Of Credit Whether It Be Credit For A Car A Credit Card A Mortgage Its Got So Bad That I Can't Even Request Some Of My Own Credit Reports And To Of My Reports Say I Don't Have A SSN And The Other One Says I'm Dead I'm And It Makes No sense Because I'm Pretty Sure My Phone Calls Are Be Redirect I Can't Be Identified And When They Do Pull Up My Reports I'm Pretty Sure I'm Be discriminated against Because It Says On One Of My Reports That I Requested A Summary Be Put Up About Me That I Have A XXXX So Now The Cards That I Did Have Got Close By Grantor I Have Been Trying To Get A Home But There Pulling My Reports And Saying It Cant Be Optain I Feel Like I Stuck In A XXXX XXXX  I Can't Get A Single Soul To Help Me When I Know Its So Much I'm Entitled To But I'm Tired Of This I'm A XXXX Year Old Man Living With My Mom With No Car No money no Credit And No One 's Even Giving Me A Chance. Not Even The SSI Payments I Been Waiting A Year To Get The And The Judge That I Have A Civil Suit With Have Not One Time Set A Court Date The Case Is Just Sitting When My Human Rights Was Violated Its Got To The Point I Honestly Feel Like I Have Not A Hand To Be Giving No Matter How Many Phone Calls I Make How Much Time I Spend Trying To Do Everything the right Way This Life Thing Is Seriously Just Getting Harder And Harder With No Help Because I'm A Individual Nobody
Product: Credit reporting or other personal consumer reports

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness.
Product: Debt collection

The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. The date opened, date of last payment made is wrong, credit limit, high balance amount, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. There is also inconsistent information being reported to different bureaus. Why isn't your data consistent between various credit bureaus if the information is supposed to be 100 % accurate and complete? How can you tell the credit bureaus you verified this information when your own information being reported is wrong and inconsistent. The furnisher reported doesn't even have a record of this information or account. I called them and they have no record of anything you are reporting. What did you do with the money you said was paid? Who did you report this to and do you have proof? What account was this applied to?
Product: Debt collection

XXXX XXXXXXXX XXXX billed my insurance company for a XXXX I paid my amounts due after insurance. I then was billed again for the same procedure, and another one ( same type of procedure, same day ). The company XXXX XXXX XXXX  called me to collect and I talked to them about the prior billing and insurance payments etc, and it seemed clear based on my conversations with them they needed to take away with their " research department ''. I received a call a few weeks later from another XXXX rep trying to collect, went through it all again, no indication they had researched etc. Later I received a letter from Frost Arnett, a collection agency, walked them through issue and sent them a letter that I don't believe I owe anything ( attached ). They or XXXX never got back. Now I have XXXX XXXX XXXX harrassing me with calls, etc. I sent them the same documentation I sent Frost Arnett. I also sent XXXX a notification now today that I would be following up with the CFPB since I can't get anyone to do the analysis versus just try to strong arm me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After having to deal with endless hours battling transunion for them to remove an unauthorized fraud alert / credit freeze I run into another issue with them. 

I recently opened a new credit card account which raised my XXXXx and XXXX credit scores roughly XXXX points to about XXXX. My transunion score went down a huge XXXX points from XXXX to XXXX when it was supposed to raise that score. 

I call transunion and they will barely comment on it. I think something is fishy. 

XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX and recently my chase bank account in XXXX XXXX XXXX got closed to due to suspicious activity however when i called chase and went there in person they did not give me a reason for the closure of the account. All they said is that i could not access my funds. I have many bills to pay and i can not even add gas to my vehicle because i have no way of reaching any kinds of funds please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Transunion continue to erroneously report multiple public record items that their public records vendor is not reporting ( see attached ). Additionally, XXXX has covered the fact that XXXX is it's public records vendor in a malicious effort to harm the consumer ( ( XXXX PUBLIC RECORD SETTLEMENT Case No. XXXX ( XXXX. XXXX ) and Case No. XXXX XXXX XXXX. XXXX ) United States District Court for the XXXX XXXX XXXX Virginia ) ). I am requesting these credit bureaus be investigated in my case ...
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred, despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to Experian disputing this Account with ( XXXX XXXX XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter stating that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows some INCORRECT information such as the ONLY XXXX BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL XXXX BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK SUCH AS : *** '' last verified '' and ''closed date ''. In the ''creditor remarks '' field it does not state that the account is being disputed and clearly it is because I have sent several letters to Experian AND ( XXXX XXXX XXXX XXXX ). THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against Experian credit bureau and ( XXXX XXXX XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XX/XX/XXXX case was closed with XXXX balance. XXXX XXXX. XXXX XXXX, XXXX for XX/XX/XXXX from the insurance payment balance XXXX settled for XXXX. From XX/XX/XXXX to present the account is considered late and open. 
In accordance with Federal credit reporting Act this creditor credit acceptance has violated my rights under 15USC 1681 Section 602 states that I have a right to privacy. 15USC 1681 Section 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment under a open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

I checked my credit report with XXXX XXXX and there was a collection on it for {$480.00}. I don't know what this is. It said it was opened on XX/XX/2020. There is no account number. The company is XXXX XXXX XXXX, XXXX. I called this company and they said I did not have an account with them. It was sent to a collection company. AMSHER Collection Services. I have no idea what this is about. Please help.