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

I mailed a check at our local XXXX XXXX XXXX XXXX on XX/XX/year>. It was payable to the XXXX XXXX XXXX XXXX XXXX in the amount of {$XXXX} and was for our annual property tax assessment. 
On XX/XX/year>, I received a notice of delinquency from the Tax collector 's office informing us of a past due amount of {$XXXX} plus penalties of {$XXXX} which I subsequently paid to avoid further penalties.. i On XX/XX/year>, I checked the the image of the cashed check and saw the payee was somehow changed to " XXXX '' and cashed somewhere without my knowledge. 
On XX/XX/year>, my XXXX  filed a police report at the XXXX XXXX XXXX ( Case # XXXX ) and was informed that other victims of fraudulent check cashing had filed similar complaints recently and that the responsible parties, including an employee of the XXXX XXXX XXXX XXXX was apprehended and fired. 
We were told to file a claim with the Inspector General, which we did ( Case # XXXX ), and notify our bank ( JP Morgan Chase ) of the situation, which we did also on XX/XX/year> ( Claim # XXXX and XXXX ).. 
After submitting numerous forms to our bank and weekly phone calls, we have yet to receive reimbursement from anyone..
Product: Credit reporting or other personal consumer reports

XXXX and Equifax continue to report an allege debt I do not owe and they have not validated or verified as belonging to me. I have received no documentation or contact information on who they spoke with to validate this allege debt. This debt has been canceled out and is now considered income and can not be reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( XXXX ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account ( XXXX XXXXXXXX XXXX | XXXX... ) has violated my rights : 15 U.S.C 1681 section 602 A. States 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 furnish a account without my written instructions.
Product: Debt collection

Under CFPB 1006.14 ( B ) ( 2 ) ( A/B ) The company named Ally Financial has accumulated approximately 186 violations of federal law between XX/XX/year> and XX/XX/year>. This company has continued to violated the law by calling ( A ) More than seven times within seven consecutive days, and, ( B ) Within a period of seven consecutive days after having had a telephone conversation with the person in connection with the collection of such debt.
Product: Credit card

I had a charge card with Synchrony Bank ( Sam 's Club ) that was delinquent and charged-off. They received a judgement that was recorded against my property/home. The home has been sold and closed with funds witheld to payoff Synchrony. I have filed XXXX XXXX XXXX, with the sale of my house paying off all of my creditors. The funds from closing to payoff Synchrony Bank are being held until the title company receives a payoff letter of some sort from Synchrony. Synchrony Bank is refusing to issue the payoff letter, claiming that they can not due so.
Product: Credit card or prepaid card

I used my Chase credit card ( Cardmember Services ) on XX/XX/2017 to submit initial deposit of {$2500.00} to XXXX XXXX XXXX, sister company of XXXX XXXX XXXX XXXX. The contract says that the company is only allowed to charge the initial deposit of {$2500.00} to the card ( provided over the phone ). The company charged the entire amount of {$5.00}, XXXX to my account and did not finish the job. Chase asked me to provide documentation indicating that the job was not delivered as promised. I submitted email correspondences to Chase in which the company, XXXX XXXX XXXX abandoned the job and did not complete it. When Chase sent the decision letter, ruling in favor of the merchant, they said that I never submitted a second opinion- which was not requested. I did seek a second opinion and hired XXXX XXXX XXXX to redo the framing that was done by XXXX XXXX XXXX ( it was done incorrectly ) and to frame the rest of the house ( what the first company was paid to do but did not complete ). Additionally, in the first contract with XXXX XXXX XXXX, he was paid {$10000.00} to demolish all of the walls in the house.. this was also not completed. This is the second time that the merchant was paid to complete a job and did not do it. Chase is also claiming that because the contract was not signed there is no proof that XXXX XXXX from XXXX XXXX XXXX was only supposed to charge the initial deposit. If the contract is not signed, then he did not have permission to charge any amount to my account.

Conclusion : contract was not signed, merchant did not have permission to charge {$5000.00} to my Chase Visa card Work done by XXXX XXXX XXXX XXXX was incomplete and faulty. I hired another company to correct and to complete his work.

Chase has an unfortunate reputation of not assisting customers in the matters of fraudulent charges ( see article from XXXX XXXX XXXX )
Product: Credit card

In XXXX of 2015 I bought receivers from XXXX using capital-one Credit card for {$1600.00}. The purchase was made through paypal, and the merchant and I contacted through XXXX messaging. The merchant however never sent in my full order and the order that did come in was n't as promised/advertised ( the merchandise was not only fake, but did not work ). I talked to the merchant, and they denied to refund my money. So I took it up with capital one bank, thinking they would listen to their customers. I have sent in pictures, proof of purchase, a statement explaining the situation, and overall it has been a very lengthy process, and I still have not received my refund over the time frame of almost 5 months. I find it ridiculous that I am being penalized by my credit card company for a faulty and fake transaction. I sent in everything that they requested me to send to resolve this problem, but Capital One Bank is only doing things in the merchant 's favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied my credit report for the past 10 years and Bias information on my report is beibg used to deny me EMPLOYMENT, HOUSING, EDUCATION, Finacial loans. Persons within the United States Government have BLACKLISTED me due to my advocacy and have abused their authority to IMPEDE all CONSTITUTIONAL liberties
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In the month of XX/XX/year> I received the notice from the credit collection agency all of that the XXXX XXXX known as XXXX XXXX  for an overdraft checking account in the amount of {$120.00} dollars I have known knowledge of this account and it is suspected fraudulent
Product: Credit reporting

XXXX XXXX XXXX needs to remove the " Late '' on the XXXX accounts since the account has been closed/written of and which they issued a XXXX which I had paid the taxes on in XX/XX/XXXX and XX/XX/XXXX. The account is still reporting late. My attorney since XX/XX/XXXX when accounts were closed tried to make a settlement plan and they refused to respond and choose to write the account of and keep reporting as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have incorrect names on the report. 1st Violation I called about having address and phone numbers removed. XXXX Address on report 2nd Violation. XXXX phone numbers XXXXrd Violation. XXXX XXXX data reported 4th Violation XXXX accounts 5th Violation. XXXX Regular Inquiries 6th Violation. XXXX XXXX Inquiries 7th Violation. XXXX XXXX  XXXX Inquiries. 8th Violation. XXXX XXXX XXXX 9th Violation. I never consented to have any of my information shared with ANYONE.
Product: Credit reporting

I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX 2016, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been ignored.
Product: Debt collection

On my XXXX credit report, There are XXXX collections that were just added to my file that do not belong to me. I have never been contacted by these people. The account owner does not even have the same name as me.
Product: Debt collection

I called Capital One and told them I never received my credit card and now Im told I have credit card debts which is impossible because I never received any card to begin with I moved from XXXX XXXX XXXX XXXX  XXXX NY XXXX to XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX and have yet to receive my credit card in the mail.
Product: Credit reporting or other personal consumer reports

THESE INFORMATION IS INCORRECT 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently just checked my credit report and see that the bureaus are reporting some inaccurate information about some late payments. I reached out to XXXX, TransUnion and XXXX and disputed the late payments on my credit report. I simply ask that the CRA 's remove the late payments because I have never been late paying my bill. The account and late payment date are as follows : Account : XXXX XXXX XXXX  Account # XXXX Dates Claimed Missed Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Debt collection

Wrong name on credit report, wrong information reported on credit report .. fraud and theft .. wrong spelling of my name that doesnt match whats on my social security card and services I never received
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, CAINE & WEINER used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. CAINE & WEINER reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting or other personal consumer reports

According to the FCRA account # XXXX XXXX  CAPITAL ONE Has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit card

Problem : I ordered two items from Amazon and never received them. I paid for them using my Synchrony Amazon Credit card. 

XX/XX/ -Requested refund ( {$26.00} ) letter- USPS mail Synchrony Bank didn't respond to request for refund until I emailed them on XXXX  through the web site.Basic response was they are looking into it. 
XX/XX/ - Synchrony Bank decision, they were not going to refund me {$26.00}, because Amazon said I received the items ( diced pears and freezer pops ). The information Amazon supplied to Synchrony Bank Clearly shows I did NOT receive these items. 
XX/XX/ - through Synchrony website I submitted a reply with additional supporting documents. 
I inquired a couple of times to see if they were reviewing the additional documents, with no response from them. 
XXXX XXXX XXXX attempted to submit the documents again. I get a message " try again later ''
Product: Debt collection

On XXXX XXXX I sent a validation letter to Resurgent capital services, for a collection debt that showed up on my credit report. On XXXX XXXX they sent a validation letter with three pages. The first page was resurgent information, page two consists of the fair debt collection practices act information, and the third page consist of XXXX  XXXX XXXX credit card statement. The XXXX  XXXX XXXX  credit card statement was dated for XX/XX/XXXX through XX/XX/XXXX, with a debt of {$63.00}. 
On XXXX XXXX I called Resurgent at XXXX and spoke to XXXX. I advised XXXX that I was calling because I would like to settle my debit with resurgent but I had some questions about the debt that is due. I let XXXX know that on the statement that was sent to me from Resurgent for XXXX XXXX XXXX credit card, stated that my balance was only {$63.00}. XXXX was confused and put me on hold several times, the only explanation XXXX can give me regarding my debt, was that it was due to late fees and other charges.I advise XXXX that I would only be paying the amount my XXXX XXXX XXXX   credit card statement stated that I owed. XXXX said that he was not sure but that on his end the debt is {$550.00}. I refused to pay {$550.00} as thats not the debt that was validated by Resurgent. I  advised him that I would like to pay the full amount of {$63.00}, as that was the debt amount Resurgent sent me on XXXX XXXX XXXX  card credit statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Employees in Experian IT services and XXXX iT services are posting wrong information and not removing the paid off XXXX balance paid off account from rent debt automated collections. If I call them and as, they say we keep it and allow it to drop itself after some years. This is completely a scam inside credit Bureau, creating age groups are targeted, especially older generations My credit points showing XXXX in these XXXX and XXXX in XXXX Please look into this matter seriously and remove dead accounts. Pls stop age profiling
Product: Debt collection

I have been disputing this collection account on my reports with Diversified Adjustment Services for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!
Product: Debt collection

To XXXX XXXX License State board of Pennsylvania Legal Compliance Common Wealth Financial System Inc. Be advised, XXXX XXXX never received itemized bill forward XX/XX/2019- XXXX/XXXX2019. No cover letter enclose showing the amount of debt no Hippa report conveying common wealth System system inc rights to XXXX XXXX medical information we will contact the facility as to the information to your request as named on the consumer file in reference to sign Hippa report verification. date original amount unpaid amount. XXXX XXXX you agree you are a business associate of name claim holder not a purchase of medcial information for profit as a third party.
Product: Credit reporting or other personal consumer reports

I verified that there are some debts in my name and also a lot of credit research carried out by me, however it was not me who did the research and I also did not do the debts, I am XXXX and during this period I was in XXXX, so it would be impossible for me to have done so. So, I can prove that I was not in the United States when these things were done. This is really damaging my credit, as I was possibly the victim of some fraud.
Product: Vehicle loan or lease

I am currently trying to get an Auto Loan for a used car and am unable to. I have applied and have been denied an Auto Loan through XXXX twice. Once on Friday, XXXX, and another time on XXXX. Each time XXXX has denied my application due to the inability to verify my identity. It is stated that this information was received from Experian. XXXX stated that the statement " Unable to verify applicant 's identity '' is from Experian, and Experian is denying the credit report to XXXX because of the inability to verify my identification. I called Experian and they stated my credit report looks perfectly fine as well as my personal information and they could not help me with the issue. They recommended I try to file for further research on their website and include documents. The only document available to me is the denial of the auto loan. I am trying to clear up why Experian is not sending XXXX my credit report.
Product: Credit card or prepaid card

I received a bill with a XXXX XXXX yearly fee dated XX/XX/23 plus interest from Genesis FS card services, XXXX, GA. Its a Destiny credit card. 
I didnt get a charge card, just the bill. I called to report the fraud and close the account. The woman said I could report the fraud to you, but it would take 60 days to process the complaint. 
I instructed her to immediately close the account. 
I dont know how they got my name and address.
Product: Credit card

In XXXX XXXX, I noticed an unauthorized charge of {$980.00} on my Digital Federal Credit Union ( DCU ) credit card. Despite reporting the issue promptly and affirming that I did not authorize the transaction, DCU 's investigation concluded with a letter from XXXX XXXX XXXX claiming that the charge was deemed authorized. 

This outcome perplexes me as I have had possession of my card and did not engage in the alleged transaction, which is purportedly linked to a XXXX XXXX flight purchase in XX/XX/XXXX. However, this claim is baseless as I did not travel nor make any such purchase. My attempts to obtain further information from DCU have been unsuccessful, leaving me unable to resolve this matter independently. 

One peculiar aspect of this case is that the charge supposedly made in XX/XX/XXXX only appeared on my account on XX/XX/XXXX. This delay raises questions about the transaction 's validity and the thoroughness of the investigation. 

DCU 's lack of transparency and assistance has resulted in a significant financial burden for me. As a recent graduate from XXXXXXXX XXXX, I am certain of my whereabouts and financial activities during XX/XX/XXXX, a time when I was preoccupied with academic commitments and personal responsibilities, such as XXXX my mother 's car at XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1

5 USC 1681. has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent Westlake Financial a letter requesting to validate the debt showing on my credit report. They never responded. I then sent a follow up letter on XX/XX/XXXX. Again I never received a response from Westlake. 

I attempted to dispute the debt on all three credit bureaus but they stated the debt was confirmed by them and would not be deleted.
Product: Debt collection

The matters of this erroneous debt claimed by the XXXX client XXXX at XXXX XXXX and violations of the Texas Property Code and more has been in litigation since XX/XX/year>. 

I do not owe these people anything except my final water, trash and sewage bills which are fully covered under the XXXX XXXX XXXX the XXXX signed me up under. 

The XXXX has never served me notice of the debt being placed in their collection agency because the XXXX mailed notices to the their clients property address where I vacated. 

The XXXX has been receiving returned mail due to not sending notices to my address CLEARLY listed on my credit profiles. The XXXX client XXXX at XXXX XXXX also failed to provide the Respondent my address which they have and is CLEARLY listed on EVERY SINGLE court filing in the XXXX XXXX XXXX at Law, and attached to this complaint. 

XXXX, National Credit Systems is in violation of the Texas Debt Collection Laws and refuses to remove this debt from my credit profiles, even knowing they have not served me notice of this debt being placed in their collection agency. 

National Credit Systems has been added as a Party to the Original Lawsuit due to their actions. 

Please See The attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX information for XXXX XXXX XXXX XXXX. Welcome to XXXX XXXX