23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I settled a previous matter via email with Portfolio Recovery Associates. We came to a settlement agreement without validation because I wanted it off my report. This was over 6 months ago and it still has not been reported correctly. I am currently trying to get this corrected with the directly, but it is why I am requesting validation for the matter below. ( I would like this complaint to involve the issue below, but if two matters could be handled at once that would be great too ) There is a current matter at hand that they have sent to collections and I have requested a debt validation via email to them on XX/XX/2018. They just respond with a phone number to dispute resolution although i have communicated with them through email when doing a settlement. I am requesting this because I am not sure they amount they are submitting is correct or if they are the actual owner of the account as the previous account I settled with them was not reported like it was said that it would be. when I setup a settlement agreement they did it through email, so I know they are willing to communicate through that method.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$18000.00}
Product: Student loan

Private Loan PAST DUE {$1600.00} Since  XXXX    XXXX   I have struggled with making payments of {$210.00} to Navient due to financial hardship. I became unemployed  XXXX    XXXX   when a teaching contract ended and started working as a substitute teacher making half the amount I was previously {$1100.00} a month. I tried to get certification as a regular teacher and failed so there was no pay increase. Left over unemployment checks and forgoing some other bills enabled me to pay up until  XXXX    XXXX   but I became delinquent in other areas. I was forced to go into a repayment plan for my credit cards and I had no one that could help me wit h Navient. I spoke with Navient reps every month until now stating, I do not have the money because I barely make enough for my rent {$680.00} and car payments {$380.00}, I also had to go on food stamps. They told me to just ask family which is extremely unprofessional. Navient would not provide any financial hardship programs and insisted their repayment plan would only go down to {$190.00} even though when they c alculated my income it was clear I could not afford it. I advised many times that I was trying to get a new job with no luck, but I was either mocked, yelled at or hung up on. I received a letter certified mail that my account will be transferred to a legal team and enter litigation on  XXXX / XXXX /  XXXX  . Today  XXXX / XXXX /  XXXX   I received another call from Navient, a rep suggested I sell my car or not pay the car payment so I could pay Navient. I stated if I do n't pay for my car I do n't ha ve one. They also stated they do not understand how my other bills are current as if I am choosing not to pay them. I told the rep, I was not making the payments on time and had to play catch up when the accounts became too delinquent. They admitted that my record shows I was making auto payments regularly until a few months ago. I replied yes that 's when the lower pay started to really effect my funds, I even asked my car financer for a month without paying as a promotion. It was a one time promotion for being a customer for 2 years. Navient stated they could only notate my account.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as XXXX XXXX. 

XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX, XXXX XXXX ACCOUNT # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 6. The inaccurate reporting of both my account status and payment status by XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX, XXXX  XXXX ACCOUNT # XXXX are causing harm to my credit reputation and financial standing. 

7. All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit card

I paid my balance in full by the due date of XX/XX/XXXXXXXX  and I was still charged interest on my credit card in the amount of {$38.00}. In my many years of having several different credit cards, I have never had a situation like this where I paid the balance in full by the due date and then I was charged interest. Every time I have paid my balance in full by the due date, I was never charged interest. This is disappointing. I called on XX/XX/XXXX to speak with customer service to get the interest charged removed and I was told they couldn't waive the fee because it was valid. I have had this credit card for such a long time and always paid on time and never had any issues until now. The customer service representative couldn't even give me a concrete answer as to why I was charged interest even though the balance was paid in FULL by the DUE DATE.
Product: Debt collection

In XXXX this year I discovered that my credit score had dropped XXXX points. I logged into XXXX credit reporting agency and found that a credit account had been added by XXXXCollection Bureau of AmericaXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ' to the sum of {$1400.00}. I immediately initiated a dispute with XXXX because I know this debt is not mind. Their results came back to me XX/XX/year> as verified and accurate. Their findings are false. On XXXX I received a letter from the aformentioned Collection agency for demand of payment. I learned from this letter that the original creditor is XXXX XXXX XXXX for nonpayment of services rendered as follows. Install date : XXXX -- Discconct date : XXXX. Service address : XXXX XXXX XXXX XXXX Ca. XXXX. I have NEVER lived at this address. Nor contracted, given permission to or cosigned to anyone else for services with XXXX XXXX XXXX. And I can prove it. I believe that I could be a victim of identity fraud and/or XXXX XXXX  XXXX made a mistake, by accident or on purpose, by using my identity to tag me with someone else 's debt.
Product: Debt collection

TRANSWORLD    SYSTEMS INC.COLLECTION AGENCY { TSI } XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX .... sent a letter to me stating that XXXX has asked TSI to collect, from me, {$71.00} and to submit payment to : XXXX XXXX : ACCOUNTING { PHARMACY } XXXX XXXX XXXX XXXX FL XXXX This IS A SCAM because I have a credit on my account at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is filing a delinquency report on my credit files in all three bureaus. - XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This is in no way truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the below referenced accounts on XX/XX/2022. The credit report of XX/XX/2022 and your report shows results these items was deleted from the credit file. Now I notice these items have been reinserted on my credit report. 

XXXX XXXX XXXX In accordance with the requirements of the Fair Credit Reporting Act, FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a business reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( XXXX ) A statement that the disputed information has been reinserted ; ( XXXX ) The business name and address of any furnished of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( XXXX ) A notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 

Please be advised that this is my LAST and FINAL 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 FCRA Section 616 and FCRA Section 617 regarding your continued willful and negligent noncompliance.
Product: Debt collection

Dear Sir or Madam, I received a collection later from XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. 
I responded back to XXXX XXXX XXXX XXXX on XXXX by registered mail ( delivery proof attached ). I explained that the accounts listed are already paid in full as agreed and attached copy of checks paid to XXXX XXXX clearly mentioning the billing account number and final payments. 
XXXX XXXX XXXX XXXX. never responded back to debt verification request. 

I checked my credit report on XXXX and found that XXXX XXXX XXXX XXXX has reported XXXX accounts in collection. I reached out to all three credit agencies multiple times with all payment documents but still see these derogatory listings on my credit report. Every time, I sent the communication to credit agencies XXXX XXXX, XXXX, XXXX XXXX they responded back with 'debt verified ' response. 

I look forward to getting the justice in this matter.
Product: Checking or savings account

{$20.00} Transfer fee being charged by Optum Bank to transfer HSA account Also they do it by check and delay the process up to 2 weeks ( 21 days in total ) stealing the interest income that is owed to the consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and unauthorized credit inquiries have been made on my credit report without my permission. Specifically, the following inquiries were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me, and I did not apply for credit with any of these companies. I am concerned that my personal information has been compromised and is being used fraudulently. 


These unauthorized inquiries have negatively impacted my XXXX XXXX and have caused me significant stress and concern. I am worried about the potential financial harm that could result from this identity theft. 

I am requesting that these unauthorized inquiries be removed from my credit report immediately. I also ask that these companies take steps to ensure that no further unauthorized actions are taken using my personal information. 

Please acknowledge receipt of this complaint and provide me with an update on the actions taken to resolve this issue.
Product: Debt collection

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

Hard Inquiries not recognized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Our monthly payment increased from {$860.00} to {$1000.00} even though we have fixed rate mortgage.   We ca n't pay that kind of increase with my dad 's unemployment and my mom 's health problems.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a significant error in my credit report. A previous request was made to investigate and verify a bankruptcy listing on my credit report. Your response stated that the bankruptcy had been verified with the appropriate bankruptcy court. 

Upon receiving your response, I took the initiative to contact the court myself. I was informed that neither my full Social Security number nor any information concerning bankruptcy cases is provided to any credit bureau. I have enclosed a copy of the response from the court, which clearly refutes your claim that the bankruptcy was verified. It is clear they do not report to you or to any credit agencies for that matter. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C 1681 and the information must be UPDATE immediately.

According to Section 611 of the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information in their credit file, and credit bureaus must investigate such disputes within 30 days. Furthermore, Section 623 of the FCRA requires furnishers of information to provide accurate information to credit bureaus. 

The information relating to the bankruptcy in question, detailed as follows : XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2023
Product: Credit card or prepaid card

New complaint Kohl 's XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX used an outside collection agency at different times in the year of XXXX, giving me the option to settle a credit card debt for {$400.00}. I wasnt able to pay this at the various times they contacted me, and I informed them of this. Now as of XXXX, and XXXX of XXXX, Kohl 's contacted me, stating they want me to pay {$800.00}, to pay the credit card debt in full. I have a credit card statement dated XX/XX/XXXX, and it is for {$350.00}. I have made payments. I do not believe that I should be over charged so much over my initial statement balance as of XX/XX/XXXX. When they go through, my credit card history, I always paid my card off, and when I had a balance, payments were on time, every month.
Product: Credit card or prepaid card

I recently found out about an account that Synchrony Bank opened without my knowledge or consent. For reasons still unknown to me, Synchrony Bank closed all XXXX credit accounts that I held with them, with some accounts dating back to 2013. No credit reporting agency was referenced in these account closure letters, which according to the documentation from Synchrony Bank provide on the reverse of the letter, means that a credit report was not utilized in the decision to close my accounts. 

Curiously, when I received account closure letters, I received a letter referencing an account that I never opened. This account is supposedly a " Sam 's Club Mastercard account ending in XXXX ''. Obviously, with some of the fraudulent activity financial institutions have been involved in such as XXXX XXXX opening fraudulent accounts, I would like this account to be investigated. I have been unable to receive any additional information from Synchrony bank as to why my 9 accounts were closed, and even more concerning, have not yet been able to receive any information as to when, why, and how this " Sam 's Club Mastercard account ending in XXXX '' was opened. 

This account likewise does not appear to be a fluke, when I called the phone number for this account, I was told my account was closed and had a XXXX balance without any further information. Further, I was unsuccessful in receiving an account opening date from Synchrony for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to fix my credit for the last couple of years I think I've been doing a good job about it now this suggestions that I get from XXXX XXXX is try to get loans every time I tried I don't succeed I also tries to apply for a credit card with low interest and to merge all my credit cards and pay a lower payment a month.and still get denied. Now I get punished for the next 2 years because that was considered a hard inquiry. My XXXX XXXX was XXXX when I started repairing it and now it's XXXX but everytime i try to do good you keep dragging me down. Likes it's impossible to get a head. 
Thank you XXXX XXXX
Product: Prepaid card

on the XXXX of XXXX i purchased a american express XXXX XXXX of XXXX XXXX and each time i tried to use it said the bank was declined
Product: Checking or savings account

Someone hacked my account and deposited money into it without my consent. The bank closed my account. I was not aware of it, I did not go to the ATM or anywhere to deposit a check. I tried calling the bank to explain but they were not helpful. Ive lost my account for something I didnt do.
Product: Payday loan, title loan, personal loan, or advance loan

- ordered from XXXX on XX/XX/XXXX - received box of dirt/rocks - contacted affirm and opened case on XX/XX/XXXX - they closed the dispute ( they opened it for the wrong reason - DNA, whereas it should've been opened for the reason of SNAD - I called them XX/XX/XXXX and re-opened the dispute but they didn't actually reopen it - I emailed them asking for an update XX/XX/XXXX ( no response from them )- I called them again XX/XX/XXXX to reopen the case - XX/XX/XXXX they closed the case again saying there is no evidence even though I uploaded the evidence multiple times - XX/XX/XXXX they are now threatening me I did not receive an actual item, why should I pay for nothing?
Product: Credit reporting or other personal consumer reports

This creditor has violated my rights 15usc section 602 states I have the right to privacy 15usc section 604a section 2 also states consumer reporting agency also can not furnish an account without my written instructions 15usc 1666b a creditor may not treat a payment on a credit card or an account under and open consumer plan late for any purpose
Product: Checking or savings account

My Complaint is with Chase Bank. 
I had thousands of dollars stolen from my checking account on a daily basis. 
I disputed the charges equaling about {$350000.00} [ if not more ] Transanactions were to ONLINE CASINOS which were not my purchases and Chase Bank Fraud Dept. REFUSED TO TAKE ME SERIOUSLY resulting to 70 % OF MY MONEY STOLEN all in a matter of 4 months.

In the beginning, i didnt realize large amounts depleating as i had just received a {$470000.00} accident settle back in XXXX and my hudband and i were making some very large purchases. When i looked at my checking balance, i assumed the money missing was us. 
It was not until XXXX when i finally sat down baLance my checkbook that transactions did not add up. 
I was charged {$46000.00} to a company XXXX XXXX which ive played before but NEVER would i spend anywhere close to {$300.00}! I did the research and discovered someone had stolen my card informatiom somehow as in 1 day over {$6000.00} was missing and not just with this one merchant ; But SEVERAL OTHERS ( XXXX, XXXX, XXXX XXXX, SEVERAL IN XXXX XXXX and even XXXX )! 
I IMMEDEATLY called Chase Bank ( XX/XX/XXXX ) to dispute these tranactions but nothing was investigsted. 
I summited police reports with my claims and still DENIED.

Chase approved only 3 out of 180 transaction made to XXXX XXXX {$900.00} and denied rest! 
{$46000.00} were denied and the claim was done the same day and the transactions approved were same timr frame and even the same day of XX/XX/XXXX where i have XXXX other transactions that were denued. 
I was asked to complste an adidavid for the {$900.00} dispute but not asked to do the same for the {$46000.00} yet again the disputes were in the same complaint. It clearly shows that chase bank picks and chooses what they will honor and the rest do not stand a chance as they get denued as soon as the file is made... neved investigated.

Chase bank denied every claim i filed and payed no attemtiom in protecting my account.

When the money was all gone- Chase Bank CLOSED MY ACCOUNT When i called to ask why- i was accused of frauding my own account which baffled me!

I submitted several police reports, Chase bank had no problrm keeping me as a customer until the money was gone and they protrayed me as a liability issye thus closing my account without notice. This is not cool and i feel chase never took my business serious.
Product: Credit card

On XX/XX/year>, my XXXX paid a friend {$230.00} via XXXX, and directed XXXX to charge our Chase credit card ending in XXXX. 

On XX/XX/year>, I was inspecting the XX/XX/XXXX statement for the Chase credit card ending in XXXX, and noticed interest charges, which was a suprise because we always pay the full balance on the card before the payment due date. I examined both the XX/XX/XXXX and XX/XX/XXXX statements and learned that the XXXX transaction was categorized as a " Cash Advance '', and noticed interest charges on both statements for this cash advance, but I could not understand how interest was being calculated. In the XX/XX/XXXX statement, on the last page, the " Cash Advance Balance Subject to Interest Rate '' is listed as {$54.00}, and in the XX/XX/XXXX statement, the " Cash Advance Balance Subject to Interest Rate '' is listed as {$170.00}. 

On XX/XX/year>, I called Chase card services to inquire about the cash advance and subsequent fee and interest charges. The customer service representative explained that XXXX transactions are " Cash Advances '' and subject to the cardholder agreement for cash advances, which includes a transaction fee and immediately accruing interest. I asked the representative to explain how the two ammounts of {$54.00} and {$170.00} mentioned above were related to the XXXX transaction, and if she could explain how the interest calculations were performed. The representative asked me to hold while she conferred with her colleagues. After about an hour on hold, I explained that I had to leave the call, and requested a written explanation of interest charges to be sent to me. The customer service representative said that a written explanation of interest charges was not possible, and I would have to stay on the phone to receive a verbal description of interest charges when the calculation was complete. As I had other business to conduct, I ended the phone call without waiting for the completion of the calculation. 

Later that day, I requested a copy of the current cardholder agreement on the Chase website, and the website said that a copy of the cardholder agreement would be physically mailed to me in 7-10 business days.