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

First time ever filing a claim with this bank. I had a fraudulent transaction mid day on the XXXX XXXX XXXX XXXX filed a fraud claim 10 minutes later, had my card cancelled and a new pin and card sent out all on the XXXX. 
I have spoken with people at the bank in the meantime of the 10 business day period, who have assured that all information needed is completed, the claim is currently in processing, and assure me that the provisional credit will be in my account by at most 10 business days after filing. 

I call in on day 10 with mild confusion, having not received any notice or contact about my claim, or credit in my account, they assert the claim wasnt filed properly, no fraud claim manager has even opened the claim, and told by a supervisors supervisor that no one has even been assigned to it. After explaining that this was the 10th day and being informed that due to the time nothing can be done until tomorrow, we will pass the 10th business day. Banking managers attempted to convince me to wait another 2-3 business days, as they refile the claim they failed to file on the XXXX. 
US BANK representatives also have conflicting information, such as Saturdays counting as business days, then they dont ; claim has been filed, then it hasnt ; credit is applied through automated system, then told its a manual case review. 

I have tried contacting many different levels of management at US BANK, who mostly tell me they are unable to view the entire case and I will need to speak to a different person, who passes me on again
Product: Credit reporting or other personal consumer reports

Request for Assistance in Removing Unauthorized Hard Inquiries from My Credit Report Dear CFPB, I am writing to request your assistance in the removal of certain unauthorized hard inquiries from my TransUnion credit report. These inquiries were made without a permissible purpose as outlined in 15 U.S. Code 1681b and 15 U.S. Code 1681n of the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I found several hard inquiries that were made without my consent or for any legitimate purpose that qualifies under the FCRA. As per 15 U.S.C. 1681b, a consumer report may only be accessed under specific circumstances, such as for credit applications, employment screening, or other authorized purposes. The inquiries listed on my credit report fail to meet the permissible purpose requirements of the law and, therefore, are in violation of the FCRA. 

The inquiries in question are as follows : -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XX/XX/XXXX In accordance with 15 U.S. Code 1681n, I am requesting the removal of these unauthorized inquiries from my credit report due to their violation of the law. 

I kindly ask that the CFPB investigate this matter and ensure the removal of these inquiries from my credit file with TransUnion. Please confirm the actions taken and notify me once the necessary steps have been completed. I understand that the CFPB has the authority to address violations of the FCRA and request your intervention to resolve this issue. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

I contacted IC Services based on notification on non-payment on my credit report. I asked representative XXXX XXXX what the charges were for. I was told medical equipment, to which I replied, I have never had a delivery of medical equipment nor purchased any. She told me I did. When I re-asserted that I have never purchased medical equipment, she then said it was the result of bloodwork. I said that I need more information, as my blood work is done at my doctors and covered by my insurance. She told me that I would need to file an appeal in order to get that information. 

I am unsure how a company can accept a debt collection service from an agency with no understanding ( or at least being able to provide an understanding ) of what it is that they are collecting debt for. 

To the best of my knowledge I have no outstanding debts. XXXX XXXX was incredibly rude and at one point yelled at me. My response was to let her know I would contact CFPB, since clearly they were trying to steal my money and destroy my credit.
Product: Credit card or prepaid card

I went to a MatressFirm located at store XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX on or about XX/XX/XXXX to buy some mattress, I decided to purchase it, at the time of check out, the sales associate offered me to finance the purchase which I did. He ran my credit and told me I was approved through Syncrony Bank. Great news, after the very first month, I noticed that the statement wasn't coming to my home. I tried to log in and my user was changed. I had to call to gain access again, when I called they told me that there was another registered address and another email address, I reported that and the fixed everything. On the following month I received the statement with a lot of additional charges, everything was ordered online. I reported that to Syncrony bank on XX/XX/XXXX. Every time I was changing and putting the correct information, somebody was logging in and changing it back and ordering from my account. I reported this to my credit buraus and also to Synchrony bank SEVERAL times, I also frozen all my credit profiles. Since then, nobody at Synchrony was able to give me a real solution, every month I was getting different invoices with different amounts, credits, charges, they even send me money back ( please see attached ) I got a zero balance statement as well. At one point I paid what they told me it was mine to just put the account in ZERO and closed it, I paid XXXX on XX/XX/XXXX and even after that they keep on sending me new bills. They sent me a zero balance statement one more time and when I thought everything was clear, they started reporting my credit and again they started sending me new bills. I asked them several times for a complete detail of my payments and charges, they were never able to send me this. 
At this time, I being completely hurt by them reporting my credit without showing me a completely detail or why they are charging me. 
Also, you can see that they have been transferring amounts and nobody can explain that and why, not even why they send me a check and a zero balance statement.
Product: Credit card or prepaid card

Between XX/XX/XXXX and XX/XX/XXXX there were multiple fraudulent charges applied to my Chase Visa card, all for XXXX. I was unaware of these charges until I reviewed my statement in late XXXX. Once I discovered these fraudulent charges I contacted Chase to report these items as fraudulent. I was informed that I would not be responsible for these charges and my account would be credited for all XXXX charges between XX/XX/XXXX and XX/XX/XXXX.Chase cancelled my previous card as requested and issued a new one.  There was in fact a credit issued to my account only to find a reversal of these credits in XXXX. Since the beginning of XX/XX/XXXX I have been attempting to resolve this matter and it is especially important now as we are in the process of purchasing a home and I need to pay off all credit card balances to benefit from the current favorable interest rates. The Chase fraud department is unavailable to answer calls so I have emailed and called on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX At times I have been placed on hold for 45 minutes or more which is taking time away from my work and thus reducing my current income. 

I am not receiving any assistance or resolution and have no choice but to file a complaint to get this resolved. This delay is significantly impacting me and family as this is delaying our loan and home purchase. 

The total charges amount to {$4000.00} plus interest applied.
Product: Credit reporting or other personal consumer reports

I am deeply frustrated by the response from the credit reporting agencies regarding the investigation of these accounts, which they claim came back as verified. However, this assertion baffles me, as my credit report still contains multiple inaccuracies.

As a conscientious consumer, I have the right to understand the thoroughness of the verification process conducted by your agency, as stipulated under 15 U.S.C 1681i ( 7 ) Method of Verification. I demand a detailed account of every step taken to ensure the 100 % accuracy of these disputed items.

It is unacceptable that despite these purported investigations, my credit report continues to reflect discrepancies. I urge your agency to rectify these errors promptly and provide me with the comprehensive documentation I am entitled to under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX A XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Kenosian & Miele, LLP, the attorney for XXXX XXXX XXXX XXXX, filed a judgement against me XXXX XXXX, XXXX for a {$3900.00} debt on a XXXX credit card that I never owned. They claim their process server, " under penalty of perjury '' I might add, served me with a Proof of Service Mon., XXXX XXXX, XXXX at XXXX to an address I did n't even live at. I have proof of all my addresses since I was XXXX years old on my secret security clearance paperwork to prove that. 

I was not even aware of this judgement against me back in XXXX until recently, when on Friday, XXXX XXXX, XXXX, my human resources representative emailed me a copy of an earnings withholding order that Kenosian & Miele, LLP managed to file against me. I immediately printed out the case report, went to XXXX County court and got a copy of the chief complaint and the proof of service. I also starting contacting as many attorneys as I could to help me with my case. I spoke with two representatives from XXXX who ran my social security number and found no such account in my name. 

XXXX XXXX XXXX XXXX falsified a Debtor 's Statement of Account and Payment History by attaching my name to the top of another consumer 's credit card statement and blackening out my address and account number. I assume that is how they got the judgment against me in XXXX. They have allowed six years to pass to accrue more interest to collect from me, without my knowledge. They also stole my social security number in XXXX XXXX to run my credit report to locate my current employer and serve me with the wage garnishment order. 

Speaking with various attorney 's, they advised me that the quickest way to stop a wage garnishment is A. File Bankruptcy or B. Submit a Claim of Exemption with the levying officer. They also said I needed to file a motion to move aside a default judgement, which would cost me a lot of money to have an attorney do. I filed the Claim of Exemption already. I 'm not filing bankruptcy and ruining my credit over the {$7200.00} they claim I owe, {$3000.00} of that would be accrued interest alone for the account in question. Vultures. 

I really do not understand how a legitimate law office can commit such fraudulent activities and not be disbarred. 

Oh, and I failed to mention NONE of this shows up on my credit report : No Public Records ; not in the collections section ; and there is no history of this XXXX account on my report anywhere. If this debt was legitimately mine, it would definitely be on my credit report. I feel that they prayed on me because I have one bad debt on my credit report from XXXX XXXX that was charged off in XXXX XXXX. I currently own a XXXX XXXX card and they were the company that financed my car. If I was truly in horrible standing with XXXX XXXX, they would have never approved me for credit the second time around. 

So, XXXX XXXX XXXX XXXX. took the date from my XXXX XXXX debt to target me and file a judgement against me ; they falsified a Debtor 's Statement of Account and Payment History with my name on another consumer 's bad debt to collect years of accrued interest from me by serving me with a wage garnishment.
Product: Debt collection

There is a collection account on my credit report with Aspen National Collections for {$9300.00} and {$490.00} that don't belong to me.
Product: Debt collection

i had my identity stolen multiple accounts has been open without my knowledge. i recently lost my drivers license and social security card which maybe whats causing this issue. my business has had the same thing happen
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX bank opened XX/XX/XXXX for the amount of {$590.00}. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the amount of {$200.00}. XXXX XXXX opened XX/XX/XXXX for the amount of {$2400.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of XXXX. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$4200.00}. XXXX XXXX services opened XX/XX/XXXX for the amount of {$8700.00}. has violated my rights. 15.U.S.C 1681 section 602 A States i have a right 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 then records of convictions of crime 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Kikoff , Inc. for its failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of late payments on my XXXX and XXXX credit reports. Despite multiple disputes and requests for investigation, Kikoff has not provided a thorough or transparent response as required under 611 of the FCRA.

Details of the Complaint : Failure to Provide Verification Details : Kikoff failed to disclose the specific sources or methods used to verify the disputed late payments, as required by the FCRA. 
I requested information about any third-party entities contacted and evidence supporting the late payment claims, but Kikoff has yet to provide this. 
Inaccurate Credit Reporting : XXXX is reporting one of my accounts ( Account Number : XXXX ) as " 90 days late '' while simultaneously showing positive/current payment history, which is contradictory. 
XXXX is reporting the same account as " 60 days late, '' which is also inaccurate. 
These discrepancies indicate that Kikoff has failed to ensure accurate reporting as required by the FCRA.

Failure to Resolve Dispute or Address Settlement Proposal : I sent a detailed dispute letter to Kikoff on XX/XX/XXXX, requesting verification of the information or deletion of the inaccurate entries. 
Kikoffs response acknowledged discrepancies but failed to take corrective action or substantiate its reporting.

My settlement proposal, which included terms to resolve this matter without arbitration, was ignored. 
Lack of Transparency in Investigations : Kikoff claims that my payment history from XX/XX/XXXX to XX/XX/XXXX justifies the late payment reporting. However, the evidence they provided does not substantiate the inconsistent reporting across credit bureaus. 
Harm Caused : These inaccuracies have negatively impacted my credit score and led to potential denials of credit opportunities. Kikoffs lack of transparency and failure to comply with the FCRA has caused significant stress and inconvenience.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I made a payment for XXXX and XXXX for {$380.00} and it was cleared from my account that day. This payment shows up on the payment portal for my end. Happy money is saying on XX/XX/XXXX the payment was returned ( it wasnt ) and that I need to make another payment ( next payment is due XX/XX/XXXX according to the online portal ).
Product: Prepaid card

My PayPal account was permanently limited without warning by PayPal in XX/XX/2016. When I called customer service department, I was told " PayPal my cash '' I purchased from XXXX and loaded to my PayPal account is supposed to be used to " buy '' stuff not to transfer to my bank. If I ca n't transfer my money to my bank, why do they make " transfer to my bank '' available?! It is " my '' cash I paid for it, PayPal has no grounds to tell me what I can do with " my '' money, and they have no right to hold my money for 180 days. 
Also, I got an email from paypal saying it was a mistake, but when I called back, they denied they sent the email and refused to resolve the issue and wo n't let me file an appeal. Please see attached email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to dispute some inaccuracies on my credit reports. For some reason the credit bureaus NEVER respond back to me. That 's pretty strange because i know it is my right to dispute any inaccuracies i notice. Is that legal? Please investigate the following accounts. 


XXXX XXXX date of last activity is not reporting right. 
XXXX XXXX XXXX XXXX account is inaccurate. Three collector 's are trying to collect on this one debt. The balance owed is not correct. 
XXXX XXXX XXXXXXXXXXXXXXX XXXI have never done business with nor have i been contacted by this company about this debt. 
XXXX XXXXThe rating on this account is wrong XXXX XXXXXXXXThe balance should be {$0.00}. 
XXXX XXXX XXXXThis company is illegally collecting on this account. They are not licensed to collect debts in Louisiana and that is ILLEGAL. 
XXXX XXXX XXXX XXXXthis account in inaccurate. 
XXXX XXXX XXXX XXXXThe date of last activity is incorrect. 
XXXX XXXX 've never done buisness with XXXX XXXX XXXX XXXXThis creditor along with two others are attempting to collect this debt. This company no longer has this debt. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is corresponding to the Case XXXX with Franklin American Mortgage Company. As Franklin American Mortgage Company representative explained, The payment was submitted but just in 2 half payment every two weeks, since when I signed for the mortgage, and was advised to make 2 payments, half of every two weeks to reduce the interest and that is exact what I do as I was told to do. The I received the phone called from Franklin American Mortgage Company reps, the payment was made in full. I believed my credit and my wife credit should be corrected. Perhalp, this is not a late payment, but your computer was turned down my payment and called it a late instead. 

I believed Franklin American Mortgage Company was using a credit reporting power to demolish a good credit individual such as me and my wife. 

Consumer Financial Protection Bureau, please jump in and help since this is an abusing power to trash our good credit. PLEASE HELP IN GETTING MY OUR GOOD CREDIT BACK. and please if this is a single individual abusing the company 's power, this individual not need to be working anymore, since this is a loving country. 

Sincerely, XXXX XXXX XXXX # XXXX
Product: Checking or savings account

they have my account overdrawn XXXX this is unbelievable i honestly had so much funds never let my account get to this i refuse to pay this large amount for whats not mine
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Subject : Immediate Attention Required : Rectifying Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am writing urgently to address critical discrepancies present in my credit report that are in direct violation of the Fair Credit Reporting Act ( FCRA ). Upon review, it has become evident that persistent errors persist within my credit profile, indicating a concerning oversight of FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act serves as a fundamental federal statute governing the collection and reporting of consumer credit information. It mandates precise acquisition, retention, and transparent dissemination of consumer credit data. 

Instances of FCRA violations demanding immediate attention include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies due to similarities in names or social security numbers. 
Neglect of prescribed protocols for handling disputes within agencies. 
My rights under the Fair Credit Reporting Act encompass : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and demand bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
The removal of outdated negative information, typically after seven or ten years in cases of bankruptcy. 
I formally request the immediate removal of the listed items below, as they unquestionably breach FCRA standards due to inaccuracies, lack of verifiability, and continual invalidation. Their presence has led to significant distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 

1. Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

2. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
I anticipate swift action to rectify these violations within the time frame mandated by the FCRA. Failing to comply will, unfortunately, necessitate the pursuit of legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Navy Federal overcharged my card numerous of times and every time I called they had an excuse on why my card continued to be charged and went negative.