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

Fraudulent charges were made in a different state while I was out of the country using my credit card information, and I filed a fraud report through the bank company. The bank company initially refunded my stolen funds, and they advise they would get back to me within 10 days with the results of the investigation, however I did not hear back from them. A month later my funds were removed from my bank account without warning. I had to call the bank to find out what happened, and they informed me that they found me responsible for the transactions. They stated this was based on that fact that some of the purchases were made by me in this time frame. I advised them when i initially reported the fraud which transactions were mine during this period, however they included them anyway and used them to justify their findings. I was advised i could escalate the matter by filing a complaint, which i did, and was again promised to hear back within 10 days. It has been another month without hearing from them, and the funds have not been returned.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union has obtained my nonpublic information as result of material misrepresentation, fraud, and identity theft pursuant to 1682a ( q ) ( 3 ) and Georgia Penal Code O.C.G.A. 16-9-129 thru 16-9-127.

Navy Federal Credit Union fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the XXXX ( 15 USC 6802 )
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint to inform you that I was a victim of fraudulent activity. To address this, I researched how to remove the fraudulent items from my report and found that I need to visit the Federal Trade Commission at https : //www.ftc.gov to file an identity theft report. Per FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report, reference number XXXX. Please find the attached documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), credit reporting agencies shall remove any items in a consumer 's file identified as resulting from identity theft no later than four business days after receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and unauthorized accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial reported me late in XXXX with XXXX AND XXXX. The account was paid in FULL and closed beginning of XXXX. I spoke to someone end of XXXX and advised them that payment will not be paid till Beginning of XXXX. I had set up a payment with a representative and she assured me I was not going to be reported late. That was not even a concern when we spoke. I should not have been reported late to begin with. This was a loan that was with Springleaf and One Main took over. They are reporting inaccurate information. I am unable to get employment because the potential employers check scores and my scores dropped 16 points because of this. Since the account is paid in full I don't see a problem with fixing and deleting this delinquency which is not even accurate. 

THEY NEED TO PROVIDE WITH MY PROOF AND DO AN AUDIT ON THIS ACCOUNT SINCE IT WAS OPEN TO CHECK IF IT WAS ACTUALLY LATE. ALSO SHOWS LATE FOR XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number 's listed below have violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : US DEPT ED acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX DEPARTMENT OF EDU acct # XXXX US DEPARTMENT OF EDU acct # XXXX XXXX DEPARTMENT OF EDU acct # XXXX XXXX XXXX XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they affect my ability to obtain credit, according to XXXX XXXX XXXX XXXX, it is illegal for banks and institutions to report any data to third-party companies without proper consent. please remove this information from my credit profile. it is unlawful for false and misleading denial of my unlimited credit based on XXXX XXXX XXXX XXXX of the XXXX code. 

AFFIRM INC Account number : XXXX Date opened : XX/XX/year> 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My realtor checked my credit profile and there is a collection on all three bureaus for {$500.00} from XXXX XXXX XXXX. ALLEGED ACCOUNT # XXXX that does not belong to me I have lived at my address for 41/2 years I have never had XXXX XXXX 
DEMAND FOR VALIDATION AND PROOF OF CLAIM This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the Truth Lending Act ( TILA ) 15 USC 1601 et seq.

In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I had a car accident XX/XX/2023 I was referred to a XXXX XXXX XXXX and XXXX I did not finish therapy until XX/XX/2023. I received 2 bills. The last one being sent late XXXX. My attorney also received a copy of the bills just 2. My case was paid based on bills recieved. My auto insurance paid in XXXX of 2023. Around late XXXX I was already sent to collections Gla collections stating I owed additional {$240.00} I asked for a detailed bill explaining the past due since I thought it was paid in full based on bills received. They stated I could not call original creditor to get straightened out. I did any way and the claimed they sent me 3 bills I only received 2 my attorney only received 2 also. I finally got a detailed treatment bill 2 weeks ago. The original company has yet to even try to bill my secondary insurance. I gave them the information again when I contacted them. I am in the process of getting the remaining balance sent in and paid yet the collections agency is still sending me notices
Product: Checking or savings account

On or around XX/XX/2021, I saw an online advertisement by KeyBank that if I opened a checking account and deposited {$500.00} within XXXX days, I'd receive a {$200.00} bonus. I made my first deposit of {$250.00} on XX/XX/2021. By XX/XX/2021 ( 60 days later ) I had made XXXX {$250.00} deposits into the account. I hadn't received my bonus and when I stopped into the KeyBank in XXXX, OR on XX/XX/2021, I asked why I hadn't received the bonus. The clerk said the promo was tied to my account, but she didn't know why I didn't get the bonus. She called the corporate office and was told that because I didn't make a single {$500.00} deposit within the XXXX days, I didn't qualify for the bonus. I feel this was a deceptive marketing strategy. I asked for a print out of the promo and was provided the attached print out.
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 XXXX USC XXXX. 

XXXX U.S.C XXXX section 602 A. States I have the right to privacy. 

XXXX XXXX XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX U.S.C. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2022 XXXX  refunded my account {$190.00}. The refund clearly shows in my completed transactions on my American Express Serve card. That same day, Serve put a " Merchant credit review '' hold on the account. I called Serve on the XXXX of XXXX to find out why this was there as the the refund was already posted. They stated that XXXX ' bank is the one that put the hold on the refund. I called XXXX who stated they did not put a hold on the funds and they went as far as to check with their banking division to ensure something did not occur. It was confirmed to me XX/XX/2022 that XXXX had absolutely nothing to do with this " Merchant Credit Review '' hold and it was in fact American Express Serve that is doing this to me. You can not put a hold on credits or refunds. It is now 7 days later and my funds are still not available. They do not have the right to hold a refund the way they are doing this and claiming its a " Merchant Hold '' when it has been confirmed that it is not. It is obvious in the completed transactions that the refund was processed on the 15th and the hold is still in pending as of the 15th per the screenshot of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account # : - XXXX, PENN CREDIT CORPORATION 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 an account without my written instructions.
Product: Mortgage

This is my second complaint and my continue issue with Specialized Loan Servicing servicing my loans. I have XXXX portfolio loans that were sold to SLS from XXXX. SLS has been holding my checks and then sending me late fee notices. I have filed a complaint on this with your department previously and I received letters from SLS stating all is fine. Well, in retaliation or what I believe is retaliation of my complaint, they held XXXX of my payments and posted late, however, my clearing bank shows the check was process and paid prior to my late date. SLS then waited several days after cashing my check to post it to my account and mailed me out statements telling me I owe late fees and that I am now behind in my mortgage. As a real estate investor and property owner of many properties and rentals for nearly 40 years, I have never had issues with a lending or servicing institution such as this. I mailed in my XXXX payments on all XXXX of my loans serviced by SLS again SLS has held those checks, cashed them and waited until after the late fee date to apply the payments. My late fee date is XXXX XXXX, my checks were mailed on XXXX XXXX and cleared my bank on XXXX XXXX, yet SLS processed late fee statements to me on XXXX, XXXX, still not posting my payments. I have called SLS and after much, much and more run around on a phone system that does n't work well, I got in-touch with an operator, I was refused when asked to speak to a supervisor and was given a verbal confrontation by the operator about I did n't mail in my checks. What can you do to help me with this alleged fraud at this company?
Product: Debt collection

I sent I C SYSTEM this document certified mail and I C SYSTEM did not send the requested documents asked for in the validation request I mailed. I C SYSTEM sent me a document that was typed out on a plain piece of paper with I C SYSTEM logo on the top. I'm 200 % positive there is no agreement with my signature stating that I owe I C SYSTEM. Anyone create anything from a plain piece of paper. I know my rights as a consumer! I C SYSTEM is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Document evidencing your company has the right to collect the alleged debt. The total debt balance with an explanation of all interest and fees. Date the debt became delinquent and/or the date of the last payment. The name and address of the creditor and the creditors account number associated with the debt. The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. The names and addresses of all persons or entities other than your company to which the debt was assigned. Send me proof that you are licensed to collect debt in my state. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! Remove this immediately from all three credit reporting agencies for I C SYSTEM has violated FDCPA laws!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed fraudulent accounts on my report and addresses that do not belong to me.
Product: Credit card or prepaid card

XX/XX/2021 I was charged on my Amazon Chase card {$13.00} for XXXX XXXX which I had canceled in XXXX. I disputed it XX/XX/2021 I cancelled XXXX XXXX again XX/XX/2021 Prime was started again ( I did not do this ) XX/XX/XXXX I cancelled XXXX XXXX again XX/XX/XXXX XXXX was started again XX/XX/XXXX I cancelled XXXX XXXX. I also called both Chase and cancelled the card and called XXXX and cancelled XXXX over the phone. 
XX/XX/2021 I received a letter that I owed Chase {$13.00} on the XXXX XXXX card I have changed all passwords on both XXXX  and cut up the credit card. It just won't go away and I don't want it to wreck my credit. 
XXXX
Product: Debt collection

- Lvnv funding llc XX/XX/XXXX its for {$670.00} I try to dispute it off my credit XXXX, XXXX XXXX and experience - lvnv funding llc XXXX/XXXX/XXXX its for {$430.00} XXXX tried to dispute it off my credit, XXXX, XXXX XXXX, and XXXX XXXXnever bank XX/XX/XXXX its for {$430.00} I try to dispute it off my credit, XXXX, XXXX XXXX, and XXXX. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Transunion to delete the following account and inquiries based on 605B and I sent a copy of an identity theft report, police report, and letter personal statement about the follow inquires and someone utilizing my sociial security number to pull my ccredit score/ credit report. Police reports report ID, social securty card and health insurance card and credit cards were stolen. I mailed these items in XX/XX/XXXX and have no letter acknowledging they have deleted the items. 

I sent letter, 605B, Police report, FTC ID theft report, copy of NEW Drivers lIcense, Light bill, The follow accounts and inquires request to be deleted based of FCRA 605 B are : 1. XXXX XXXX XXXX XXXX account number : XXXX XXXX. XXXXXXXX XXXX account number : XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so feed up with trying to get this issue resolved 1 ) I attempted to make payments to the XXXX XXXX, which they refuse to cash. The first payment was returned to me right before I went on vacation for 3 weeks. The other two I don't know what the status is other then my bank has cut them a check and they still haven't cashed them but reported me to the credit bureau as delinquent and credit score when from exceptional to good in one day.

2 ) Never could get in touch with the anyone in XXXX XXXX, had to go the office manager at the Doctor 's Office, who also got the run around from XXXX  XXXX. Eventually the issue is that there was a digit missing from the account. Expressed my concerns and was told to file a dispute. I attempted to file on the website provided and the the site wouldn't accept my complaint. 
3 ) I cut a fourth check for the balance owed.

4 ) I filed a complaint with Experian, but have been unsuccessful to submit any supporting documentation. Called, the company and they said that it must me my cookies in my computer but try again. Which I have without success. 
5 ) I find out that I now have to establish an account with all the other credit rating services that are out there and go through that process. I attempted to got to XXXX XXXX 's website to file and it became very difficult and cumbersome. 

Any assistance in getting this matter cleared up would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts.

Please review the following accounts : Account Name : XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report.

After you have finished my request, send me a copy of my credit report reflecting these changes. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$5700.00}, XXXX XXXXXXXX, ACCOUNT NUMBER : XXXX, BALANCE {$470.00}, XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$8200.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$170.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$23000.00}, XXXX  ACCOUNT NUMBER:XXXX XXXX BALANCE {$500.00}, XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, BALANCE : {$250.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least XXXX XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported.
Product: Credit reporting or other personal consumer reports

JPMCB acknowledged the inquiries were fraudulent and that they would be removed. They sent a letter and I spoke with them via phone on or about XXXX XXXX. They said the inquiries would be removed with 30 to 45 days. They have not been removed.
Product: Mortgage

I was {$2700.00} in fees behind on my mortgage payment stemming from {$2700.00} being charged to me when they tried to foreclose in XXXX. I paid all of that back in XXXX / XX/XX/2024 & was all caught up. I spoke to Freedom Mortgage several times on the phone ( Im sure I have the calls recorded ) & they assured me they would assign the {$2700.00} to " fees. '' Well lo and behold, they didnt. Its still showing {$2000.00} in fees owed AND a $ XXXX late fee - because the " fees '' - the money I paid in PLUS my regular mortgage payment, was never correctly assigned. 

THIS IS A GOD XXXX COMPANY AND THEY ARE XXXX XXXX XXXXXXXX. IVE BEEN ON THE PHONE WITH THEM COUNTLESS TIMES AND THEY AND THEIR REPS ARE THE MOST UNDER-TRAINED AND INCOMPETENT PEOPLE IVE EVER TALKED TO. THEY ARE DOING THIS TO CHEAT ME OUT OF MONEY DESPITE THE NUMEROUS TIMES IVE BROUGHT THIS TO THEIR ATTENTION.