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

I had a Chase checking account, there was fraud on the account and the account was compromised ( there was one fraudulent check written and two check books ordered ). Chase immediately closed my account and I was unable to ever access the account again. They sent me payment for the closed accounts value and fraudulent check but I never received the {$83.00} for the two check books that were ordered. I have filed numerous complaints in branch and called customer service many times on this. Was told an {$83.00} check was being sent to me but I never received it. This has been going on for four months now with 8+ calls made to customer service regarding this issue.
Product: Credit card or prepaid card

American Express offered promotional financing on their website. I went to accept the terms, however, their website did apparently not accept those terms and I was never granted the financing I was offered and had accepted. I called American Express to address the situation and they acknowledged that I did accept the financing, but refused to fulfill their offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND XXXX  HAVE A UNAUTHORIED CREDIT FREEZE ON MY CREDIT FILES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX 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 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 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 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 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 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, credit repair services, or other personal consumer reports

I received a letter from XXXX dated onXX/XX/XXXX stating that they have investigated with XXXX of XXXX on why they asked XXXX to run my credit from both Experian and XXXX. I had already reached out to that company with no response. XXXX did not get a response from them, either so they sent me a letter stating that they would ask both credit bureaus to delete the inquiry. And sent me a copy of the letter. It is still on my report. I have talked to XXXX and they insisted I needed to contact the bureaus because they had sent them the information. Both bureaus said they had not gotten it because it needs to be electronically sent and that I had to reach back out to XXXX. I am tired of the run around and this is not going to stay on my report even after it has been discovered to be done without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a debt validation letter no response back its been nearly 90 days I do not recall this account and the original creditor listed on my credit file is not in business so how are they validating this account it is reporting on XXXX
Product: Credit reporting or other personal consumer reports

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Product: Vehicle loan or lease

XX/XX/22 I was pre-approved for XXXX used automobile By Navy Federal credit union and was denied credit 3days later, as well is unable to supply specific reasons why they denied credit. Disputed cfpb complaint. 
I would quote the equal credit opportunity act and 15 USC 1691 ( a ) ( 3 ), u came in good faith and exercised your right by doing the application which is really a CCT and they discriminated again you by sending a adverse action ( denial ). I would also state they violated you because you did not give them consent to contact a third party to make any decisions. Per the privacy Act. I would definitely reiterate that it is unauthorized use of your social security number since you received no benefit and that puts them as non- compliant pursuant to 15 U.S. C. 1681n, or negligent non-compliance, 15 U.S.C . 1681o. Claims of willful non-compliance carry possible statutory damages of {$100.00} to {$1000.00} per violation, attorneys ' fees, and unlimited punitive damages.
Product: Credit reporting or other personal consumer reports

XXXX  federal student loan was sold to department of education XXXX but it still showing as a XXXX loan instead of Department of education XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I hope that this message finds you doing well and staying healthy. In XXXX of 2020 someone in New Jersey had my credit run at a XXXX XXXX and opened an account. I found out about it because it showed up as a hard inquiry on my Equifax credit report. I contacted both Equifax as well as XXXX XXXX. Both companies have assured me that this case has been closed and I have emails that document this. However, this hard inquiry remains present on my Equifax report. Therefore, my complaint is that even though this account has been found fraudulent, it remains on my report making my score lower than it should be. Can someone here please remove it from my report? Thank you so much! 

Additionally ( and maybe this should be filed separately ) but I also notice discrepancies between my XXXX  and Equifax accounts that I would love to have resolved. This is also evident in the differences between my two credit scores. Perhaps I can tackle both the hard inquiry issue as well as the different accounts on both Equifax and XXXX  in one go!
Product: Debt collection

Synergetic Communications Inc contacted me on behalf of XXXX XXXX. I have been having them take {$50.00} out of my account each month from SSI payments. When my SSI payments stopped I contacted them to ask them to stop taking my payments sending emails showing my SSI payments have been stopped. I was hung up on three times and no response to emails from XX/XX/XXXX and XXXX. I want this complaint posted PERMANENTLY so anyone who does business with them will know who they are and the tactics they use. I even emailed them stating would be filing a complaint against them and no response. I am hereby rescinding authorization to withdraw monies from my account. Since they hung up on me three times they are to NEVER EVER call me at any number EVER again. My bank refuses to stop the payments since they are ACH.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite 5 previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these item are being reported correctly? Who verified these account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Debt collection

I was on XXXX XXXX website looking at my monthly credit score. When I went to Alerts tab it is showing Derogatory Account below it says Wakefield & Associates Reported on XX/XX/XXXX Account Balance {$230.00}. When I called to see what this was about the rep stated they had mailed out a Statement several times ( I verified the address and it was incorrect ). Asked why didn't they ever call me and they stated they did call to the wrong # again. He did not want to email me a statement on what is was for or from when. He wanted me to pay yesterday ( XX/XX/XXXX ) I told him how can I pay when I do not even know what I was being charged for. I told him to pull this out of collection due to the information not getting to me and he said he couldn't until I paid them the total amount due. I have no negative remarks on my credit report everything I have is always paid on time. I hope someone can help me with this issue.
Product: Credit card

I am submitting this complaint regarding a sudden and adverse action by Synchrony Bank, which closed my credit account without prior notice. The cited reason was an alleged excess of authorized users. However, the bank never disclosed a user limit, nor did its platform restrict or alert me when adding users. My actions were fully within the systems design and standard usage expectations. 

This abrupt closure, without a 30-day notice or opportunity for correction, has harmed my credit profile and disrupted my financial planningdespite my long-standing record of responsible account management. The lack of transparency and procedural fairness raises concerns of a potential unfair or deceptive act or practice ( UDAP ). 
Moreover, the selective enforcement of an undisclosed policy may reflect discriminatory or disparate treatment, possibly violating fair lending and equal access principles. 

I contacted the bank to seek clarification and reversal, but my request was dismissed without a reasonable explanation. I therefore respectfully request that the Consumer Financial Protection Bureau investigate this matter and consider appropriate corrective action, including review of the closure and mitigation of credit harm. 

Thank you for your attention.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report this morning and Im unsure of the cause. I reviewed my report as I typically do, but this time, there were unexpected discrepancies. I tried refreshing my browser to rule out a malfunction, but the unauthorized inquiries remained unchanged. Consequently, I request a detailed review of the documents Ive sent to ensure this issue is fully addressed.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX i received my paypal credit statement but i did not open till XX/XX/XXXX and then when i checked them i was shocked that i have transaction that i did not recognise or Authorized and i called my paypal credit immediately to report the transaction that i did not Authorized all Cash advance transaction from XX/XX/XXXX that transaction is not made by me and i have not received any products or items from this transaction. i requested to closed and unlink my paypal credit to my paypal account. also already check my credit report and tried to report this incident to the credit bureau but i did not see this account and realized they don't report this kind of credit to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus, Transunion, XXXX , & XXXX  is reporting an old Bankruptcy on my credit file that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian alleged it investigated a Bankruptcy it shows on my report. However, the Bankruptcy does not show any creditors included in the allege Bankruptcy it's reporting on my Experian credit report. I requested what entity and the contact information used by Experian to verify the allege Bankruptcy was used to investigate the allege Bankruptcy because I contacted the U.S. Bankruptcy Court and was told they don't verify Bankruptcy filings.

They stated any and all verifications, if verified, would be on official U.S. Bankruptcy letterhead. Experian has not and refuses to produce any verification whatsoever.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Relations has sent me an update for the 3rd renivestagation of an identy fraud case after i have requested the documants that they are using to do the reinvestigation many times nothing had ever been even they only re add the collection to my account after the collection agency sent a letter for them to remove the id fraud case is part of the same account they keep adding also i have signed up for thier service and they will not give my scores they continue to ask for payment. I have canceled the service and my information even on the free site is not there i sent many cert mail and called them many times to have the information given this is a violation of my rights INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX, Phone number not available ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$28000.00} Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$0.00} ) Last Payment Made : XX/XX/XXXX High Balance : {$32000.00} Original Charge-off : {$34000.00} Past Due : XXXX $ XXXX Pay Status : >Charged Off< Terms : {$0.00} per month, paid Monthly for 80 months >Maximum Delinquency of 120 days in XXXX Remarks : XXXX XXXX XXXX XXXX ; >UNPAID BALANCE CHARGED OFF< Date Issued : XXXX XX/XX/XXXX Page XXXX of XXXX INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
XXXX XXXX XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated. Here is how this account appears on your credit report following our investigation. Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$22000.00} Date Updated : XX/XX/XXXX Payment Received : ( {$0.00} ) Original Amount : {$22000.00} Original Creditor : XXXX XXXX XXXX XXXX ( Financial ) Past Due : XXXX $ XXXX Pay Status : >In Collection< please see att proff of comany request to deleted also those company are not legally allowed to collect debt in florida
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account has been closed and paid in full since XXXX. This account was never late Ive been trying for years to get Transunion to correct this issue. XXXX XXXX  was more than helpful to resolve it. Im in the process of trying to get a new home loan and this solo account that is reporting XXXX late payment from XX/XX/XXXX needs to removed off the Transunion report and updated status to closed paid in full never late. As of now it shows closed/; was paid as agreed yet still leaving a late payment history which is false. Each time I contact Transunion I get the run around on why it has not been handled. This is now causing issues with my wife on how long this is taking to correct. This needs to be handled immediately by Transunion.

I have mailed and attached the information from the data furnisher from XXXX several times. XXXX has instructed all credit bureaus to correct this the only XXXX who hasnt is Transunion.
Product: Debt collection

On XX/XX/XXXX, after I pulled my credit report I found out some unknown accounts on it that I did not know where they came from, by that time I did not know what to do, after doing my own research ( about a year later ), on XXXX, I started to dispute the accounts with the Credit Bureaus, a few months went by, some of the accounts were gone from my report, unfortunately, sometime on XX/XX/XXXX, I received some court notices from plaintiffs attorney SELIP STYLIANOU LLP, attorneys that are trying to collect on an alleged account with XXXX BANK. That account is also XXXX of the accounts that were not mine and found on my report. Due to this issue, on XX/XX/XXXX, I went to file an Identity Theft Police Report as XXXX of the attorneys rep told me to do when I spoke on the phone with them, so they can dismiss the case. I have no other reason but to believe that I am a victim of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX XXXX in XX/XX/XXXX. The loan was in the amount of {$5000.00}. 
The loan was paid in full in XX/XX/XXXXto XXXX XXXX XXXX in XXXX, NY. I just received my latest credit score from Experian and its showing a student loan in the amount of {$18000.00} that was opened in XX/XX/XXXX. I've been living in XXXX XXXX, Utah since XX/XX/XXXX. I have never took out any student loans in XXXX nor do I know anything about the loan. If you have any proof of the student loan in question please mail the information to me at the below address. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX.
Product: Student loan

I've called many times regarding the remaining student loan balance on Mohela 's website. I want to know what colleges those loans were paid to. If some or all of that is for XXXX, why hasn't it been forgiven per President XXXXXXXX XXXX request and per the Sweet vs. Cardone lawsuit. 
Some of the loans were forgiven but I never received an email or letter from Mohela. Other people have that have Mohela as their servicer. Last time I called Mohela I waited for hours. When are they going to hire more people and train them to answer these questions?
Product: Debt collection

" American Coradius Incorp. '' placed a debt has already been paid by the XXXX XXXX  in TN. I have called the apartment complex multiple times and they have said they are not responsible for the collection account. I have provided copies of the payment receipts to multiple collection agencies. first they kept change the name of the agency now they are changing the name of the address where I supposedly owe and telling me its the same address. when I asked for an email to provide my documents for the account to be removed I was giving an email that no longer functions.
Product: Debt collection

I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Product: Debt collection

Portfolio recovery associates claim I have a debt from XXXX XXXX account. I never had a credit card from XXXX XXXX ( credit card ). This was reported and showing up on my credit report.