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

On XX/XX/XXXX, I contacted my sons ' bank in regards to 2 {$500.00} debits from my account that were not authorized. 

Theses funds were debited from my checking account, and paid to someone on the platform through the XXXX child 's account. 

I was told an investigation would ensue. 

The next day on XX/XX/2020, funds from random people started coming into my account. Transactions that were not authorized. I couldn't believe this was happening 2 days in a row. 

I contacted customer support on XX/XX/2020 very frustrated. 

I closed my account because there is no way, any person with sense, would allow this to continue to happen. Furthermore, the first 2 {$500.00} debits, put my account arrears, and caused payments i ACTUALLY made to bounce. 

My bank, has rectified the 2 {$500.00} deductions from my account, But Iv'e contacted Current on XX/XX/XXXX, and again XX/XX/XXXX and I haven't heard anything from them. 

Furthermore, they are still holding on to the balance in my son 's account, and I have not received that ; {$130.00}
Product: Mortgage

XX/XX/XXXX I went into the forbearance program with suntrust now truist until XX/XX/XXXX do to the covid pandemic. I paid my taxes and home owners insurance in XX/XX/XXXX as instructed by suntrust now truist I contacted the XXXX XXXX to begin my exit strategy from forbearance in order to have enough time to get all my paperwork completed by XX/XX/XXXX. I called several times a week to get my paperwork my home preservation client representative kept telling me they were behind in sending out the paperwork due the covid 19 pandemic. In XXXX when they did send me out the paperwork it was the wrong paperwork since I was had an FHA load snd wanted to defer my payment doing a partial claim because they never instructed or sent out the correct paperwork I was denied now they have sent me a letter of default I call the 2 to 3 times a week never get the correct information or the same person. My home preservation client representative never call me back I need help please please I have been trying to rectify this situation for 6 months no one at Suntrust listen all I want them to do is the deferral partial claim do that I may begin making my payments again please help me
Product: Credit card or prepaid card

I filed my initial complaint with Capital One first week of XX/XX/XXXX disputing a charge made to my credit card on XX/XX/XXXX for {$320.00}. 

Capital Once did not reply to my complaint until XX/XX/XXXX, by letter ( attaching letter here ), requesting additional information by XX/XX/XXXX about my claim. They said I could provide my docs via fax # or mail. 

On XX/XX/XXXX I faxed the information they requested in their XXXX letter and the documentation supporting my claim to the fax # Capital One provided and got auto confirmation that the fax was received. ( attaching documentation here ) When I did not hear back from Capital One, I followed up again on XX/XX/XXXX by phone, and spoke with a representative who apologized for the lack of responsiveness and said that due to COVID and their new work from home arrangements that they have been slow to respond and could have misplaced my XX/XX/XXXX fax. 
. 
The rep did not mention on this XX/XX/XXXX call that I missed my XX/XX/XXXX deadline or that it was too late to provide documents. But instead told me to instead resend my documentation electronically to a link they provided. 

On XX/XX/XXXX I uploaded the claim documentation electronically to the link the representative provided. 

The following day on XX/XX/XXXX I followed up again to ensure they got the electronic files, and the representative on the phone said that my dispute was closed and resolved not in my favor. And said that they released the {$320.00} payment to the merchant. So even though the charge was frozen from XX/XX/XXXX to XX/XX/XXXX, I have now been charged without any proper research. 

When I spoke with the rep on XX/XX/XXXX, they did not tell me that the {$320.00} was going to be released or that I missed the XX/XX/XXXX deadline. Nor did they review any of my documentation which clearly shows all correspondence with the merchant and why the {$320.00} was not a valid charge. 

They closed the claim without any research or due diligence and did not communicate with me at all during the process, without my initiation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The 5 following accounts, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX & XXXX Account XXXX XXXX, XXXX XXXX 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
Product: Checking or savings account

I was having difficulty getting money sent to me on Cash App so I looked on the Internet for a number for Cash App customer service. Therefore I called that number and a man identified himself as Cash App and directed me through step to rectify the problem. As he was doing this, he made it look as if I was sending money ( {$900.00} ) to someone as a text. I was sending it to him as a result.

I notified my bank and my Attorney Generals Office and they checked with Cash App and was told that I gave them permission. The money wasnt even sent to the person in my test. 

I never received my money. I am a widow and I live on a fixed income and this was a great burden on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 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

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. They also sold a debt and my information to another company according to the FCRA law 605 B they cant report nothing on my credit report without my consent. I also noticed that my information was sold which is illegal especially without my consent.
Product: Debt collection

OPTIMUM OUTCOMES, INC.is reporting XXXX debts on my credit report for XXXX each. I have requested verification and validation of debt numerous times. I have never been to this facility and this debt appears to be reported twice which is a violation of the FCRA. I want proof of this debt and that I owe it. My social is XXXX and date of birth is 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 15 USC 1681. 
Account name : XXXX  # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure XXXX  possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I'm unaware of this matter, and the company conducted it without my approval.
Product: Credit reporting or other personal consumer reports

This morning, I couldn't believe my eyes when I saw inaccurate accounts on my credit report. I check it frequently, and there has never been a problem before. I tried refreshing my browser, thinking it might be a glitch, but the errors stayed. I'm now asking for a meticulous review of the documents I've sent to put an end to this issue and my worries.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX Bank XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ ( XXXX ) that appears related to the aforementioned personal credit card account opened at XXXX XXXX Bank. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud inquiries : XXXX XXXX card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is falsely reporting two account on my credit report that is not mine at all. Ive tried to get them to investigate and verify and send me information proving or backing up the investigation. Ive written several certified mail pieces since XXXX and Ive managed to get the account removed from my report on the other credit bureaus but XXXX  will just not remove the obsolete erroneous inaccurate unverifiable account. Plus they wont tell me or send me proof of how they verified. Both accounts need to be removed Enhanced Recovery XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ITEMS BELOW ARE INSTANCES OF IDENTITY THEFT I DID NOT AUTHORIZE THESE ACCOUNTS. 
XXXX XXXX XXXX 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: Debt collection

Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Notice of Dispute AmSher Collections Services , Inc is a third party debt collector, and they are illegally attempting to collect an alleged debt in the amount of {$1500.00}. 

Pursuant to 15 USC 1692g ( b ) I am demanding AmSher Collection Services , Inc provide the name and address of the original creditor, and cease collection of this alleged debt.

Pursuant to 15 USC 1692f ( 1 ) I am demanding Amsher Collection Services , Inc provide the authorized agreement between myself and AmSher Collection Services , Inc that created this alleged debt in the amount of {$1500.00}.

Failure to provide any and all information is a violation of the FDCPA. Which will make AmSher Collection Services , Inc civilly liable for any actual damages, and violations of the FDCPA pursuant to 15 USC 1692k.

AmSher Collection Services has 5 days to respond to this CFPB complaint.
Product: Debt collection

This alleged debt is not mine nor am I obligated to pay it. I don't care what " validation, proof, etc '' ARS has, I am not responsible for it. The fact ARS refuses to remove it, is a violation, as well as, an injury to my consumer report well being. 15 USC 1692k civil liability {$1000.00} per violation for the damages.
Product: Credit card or prepaid card

Due to unforeseen circumstances, I was forced to pay my XX/XX/XXXX Care Credit bill late. I am currently under a 12 month no interest promotion with my Care Credit account. It was for a XXXX XXXX  that I had in XXXX of XXXX. My promotion ends in XXXX of XXXX. Care Credit charge me an interest fee on top of the late charge for a payment that was posted late. This charge is not only excessive but reveals an under tone of predatory lending. In fact this transaction is the very definition of predatory lending. ( Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity ). 

When called to have the interest fee reversed I was told that the interest fee will stand as it listed in my terms and conditions. And I agreed to it in my application. When asked to have all that I agree to in my profile sent to me, I was told it would take 30 days for Terms and Conditions, and 45 days for my application to be US mailed to me. When asked if I may have these things emailed to me or pointed to where I can find on the website. The representative pretended to have a different conversation with me, then disconnected the call. Only showing the lack of transparency to its consumer. Another red flag of predatory lending practices. 

In conclusion it is my belief that this company is attempting to exploit the fact that I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These sort of practices are not only harmful XXXX XXXX XXXX consumers but also arent conducive to creating a healthy credit profile for XXXX XXXX XXXX. Programs like this are designed to keep XXXX XXXX XXXX in debt longer than needed by lumping excessive fees and interest charges.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX, XXXX, XXXX, and Equifax reports are under security freeze. Yet Equifax is still allowing XXXX XXXX to soft check my credit report without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/XXXX from Synchrony Bank ( XXXX XXXX XXXX, XXXX FL XXXX ) stating that an application for a SYNCB American Signature Furniture account had been submitted and declined due to " unverifiable application information ''. 

I reviewed my credit report at the time and didn't find any impact. 

I reviewed my credit report again in XX/XX/XXXX, and found a hard inquiry into my XXXX  credit report dated XX/XX/XXXX from Synchrony Bank even though there is a fraud alert on all credit bureau reports as of XX/XX/XXXX. 

I attempted to dispute the inquiry with Synchrony Bank in XX/XX/XXXX, and was informed that because the application was more than 30 days aged, I am unable to initiate a fraud complaint. Instead I was told by the fraud department to reach out to the individual credit bureaus, who would be able to reach out to Synchrony Bank to investigate the matter. 

Instead of Synchrony Bank working with a consumer who is a victim of identity theft, they are essentially washing their hands of my concern, and requiring that I take even more of my time to contact each credit bureau individually for something that Synchrony will have to investigate themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I submitted my first dispute letter, per section 609 of the consumer 's Fair Credit Reporting Act section to each of the major credit bureaus, Equifax, XXXX, and XXXX to inform them about the incorrect account reporting on my credit file. There is a total of 19 negative items that were disputed. 

I did not receive a favorable response from neither of the credit bureaus. I have submitted dispute letters every month since XX/XX/2018 through XX/XX/2018, which totals 8 months and 8 dispute letters. 

The last response letter that I received from XXXX stated that the investigation will no longer continue, although I have sent new information to support my claim. 

The last response that I received from Equifax was only a copy of my report reflecting no changes in the investigation process. I requested information regarding how the investigation process was conducted and who verified the accounts, but I have not received a response from Equifax regarding the investigation process. 

The last response that I received from XXXX  stated that the information was verified as accurate although NO actual proof was supplied by the collection agencies nor creditors to XXXX. XXXX updated each disputed account with information regarding the credit entry rating, payments made, name correction, etc., but none of the actual information was deleted per my request. The accounts are reporting incorrectly, and should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Equifax Credit Bureau. I am a victim of identity theft. I filed a police report and submitted it to the company. In addition to filing the police report I submitted an online, and over the phone dispute regarding the fraudulent accounts listed on my report. These accounts need to be removed immediately. The following accounts that I am requesting to be removed are the following :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXXXXXX XXXX was charging me finance fees on an account that had a {$0.00} balance. 

We didn't use the card so we never looked at the account, this continued for 3 months, and then they assessed us a late fee, and reported the account to the credit bureau 's I spoke to them and they realized that the charge was in error, and they reversed the charges, However they have not updated my credit report to remove said late payment notification. I have reached out on multiple occasions, but they have not taken action
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 WITHOOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some complaints with Equifax. First the 10 hard inquiries that just killed my credit report, XXXX XX/XX/XXXX was not authorized by me. XXXX XXXX XX/XX/XXXX told my that it was a soft pull.. So that wasn't authorized by me. XXXX  XXXX XXXX  XXXX, XX/XX/XXXX told me that it was a soft pull, so it wasn't authorized my me. XXXX XXXX  XXXX committed a act of fraud I think, on XXXX XXXX XXXX I purchased a XXXX XXXX XXXX I told them that I wanted too be finance through XXXX and if that couldn't happened I wold go too another dealership that does in-house financing and if they had too run my credit just run it with XXXX, that is it, that is all. But everybody just want a sell and will lie too get it..!! And this is where I feel this maybe fraud because on XX/XX/XXXX I purchased the XXXX XXXX XXXX but XX/XX/XXXX XXXX XXXX XXXX ran my credit again..!! Without my authorization I wasn't buying another car so why would they run my credit again without my authorization, could somebody explain this too me like I'm a XXXX year old..?? ( Why did they run my credit again without my written consent.? ) I didn't authorization a credit application with XXXX XXXX XXXX  on XX/XX/XXXX - XXXX XXXX XXXX on XX/XX/XXXX - XXXX XXXX XXXX on XX/XX/XXXX - XXXX XXXX   Card on XX/XX/XXXX they told me that it would be a soft pull.. A Soft Pull.! A XXXX  XXXX on XX/XX/XXXX, I have a XXXX Checking and Saving a XXXX and a Platinum card I'm betting my head against the wall crying too get these Inquiries erase - deleted with-prejudice for good if the website didn't say that XXXX  XXXX didn't do a soft pull I wouldn't have done it. Equifax are not showing my XXXX and my Platinum credit card accounts 85 % of my credit report on Equifax is so incorrect and I'm disputing everything under the Covid-19 Bill.
Product: Checking or savings account

I called them XXXX about making a transfer, every time they tell me the transfer will go through, but then they will decline the transaction After the XXXX times, XXXX force closed my account I called another 5 times on this, and demand to receive my money back 1 month later i still haven't received my check. I continue to call and only got bounce amount different agents, who didn't understand my issue and keep hanging up on me As a result, i spent XXXX hours dealing with their nonsense and still haven't received my money back