23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX Complaint Request Re : KLS Account Number XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Consumer Financial Protection Bureau please investigate XXXX. XXXX XXXX XXXX, IA XXXX-XXXX Complaint : Not my account nor purchase. There are thousands of XXXX XXXX cause that is all KLS produced. My name.

Who is the company : KLS : I do not know what type of company this is What is my issue : This Company has put a medical bill well it says medical in my credit report that should not be there. 
No name these people are not putting direct names I have not heard anything This company does not 100 % have the right to put this in my report {$120.00} They said this account was open in XX/XX/XXXX I was not in NC from which the address of this creditor came from I was in NY. Produce to me a medical record from such date you can not because there is none. 

Company Complaint : KLS Action : Remove from credit report. It is a very small but I do not want it in my report and they need to validate this with documents according to FCRA section 609 and 611 with credit bureaus I have asked that this company to remove this account from my credit report several times. 

I have asked who the original Creditor is I have no answer no response KLS have not sent me any invoice nor where this account was received and why. A type summary is not acceptable. 

KLS have not sent me any signed receipt or verification with this account. Or even what it is.

I ask them to provide me a true statement from the original creditor they have not.

Federal Trade Commissions this has been going on for some time KLS continue to violate my rights according to section 611, 604 and 609.

The credit bureaus and KLS should be fined {$1000.00} for not removing this account this ongoing with them.

FAIR CREDIT REPORTING ACT SECTION 609 This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation FCRA section 611 : Investigation results. Please forward to me whom you spoke to, the number you called, the title of the person you spoke to also the address and any providing documentation.

KLS which of whom is reporting in my credit report has not provided a validation to the credit bureaus. This company does not have any documents with any of my information listed or what dates if it is medical was I supposedly in the hospital what is it. Please remove from my report. I dont have an issue with paying a small balance of XXXX, although why this is in my report this is not 100 percent accurate remove from my report, I will request that you be fined {$1000.00} for all the unverified accounts you continue to leave in my record. You do not have the information or documents. These errors have not been verified remove your account. 




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

I filed bankruptcy and all debt was discharged and accounts should have been closed and removed from credit report. Items still show on credit report as open and delinquent. The account was actually closed XXXX of 2019 per XXXX XXXX and both XXXX and Trans Union still have them listed on my credit report. I called XXXX XXXX XXXX XXXX to confirm account was closed and also tried to file a dispute with the credit bureau and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE Email Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Hard Credit Inquiry on XXXX XXXX XXXX XXXX I did not apply for a credit card with XXXX Wyndham Rewards Earner  Card application - XX/XX/XXXX - Hard Credit Inquiry on XXXX - Unknown Source- I did not apply for a credit card with Wyndham Barclay Bank Please remove all Credit InquiriesPlease investigate this fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had XXXX nor am I aware of XXXX XXXX. I have no idea what it is and why its on my report. I want proof of who they are not a random bill that can be from anywhere due to fraud. I have never received anything from these companies or know who they are.
Product: Debt collection

i have not received notice of my right to dispute this debt. However this account is showing on all XXXX of my credit reports. Please look into this and i am willing to testify against this company for all violations of law
Product: Debt collection

I never lived at an address of XXXX XXXX XXXX  XXXX Oh but a midland credit states I did someone used my Information for this debt I filed a identity theft but it was still put in my credit and in collections this is hurting my kids and I it must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained the letter from XXXX XXXX. Please see attached letter. 
I need the 3 credit bureaus to correct XX/XX/2021 Hard Inquiry to a soft inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : Account XXXX. is XXXX ( {$5000.00} ), XXXX XXXX  XXXX Account XXXX. is XXXX ( {$73000.00} ), XXXX XXXX XXXX : Account XXXX. is XXXX ( {$26000.00} ), XXXX : Account XXXX. is XXXX ( {$890.00} ), XXXX XXXX XXXX  Account XXXX. is XXXX ( {$850.00} ), XXXX : Account XXXX. is XXXX, XXXX XXXX XXXX Account XXXX. XXXX ( {$22000.00} ), 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 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: Prepaid card

I received a {$500.00} US Bank Mastercard gift card as a gift in XX/XX/2023. I registered the gift card to my name and address, and did not use it immediately. I attempted to use the card about a week later and got an error. Tried to check the card online and it gave me an error telling me to call the number on the back of the card. This was unusual, because any other time I checked the card it was successful, with no transactions and a {$500.00} balance. Contacted US Bank gift card services at ( XXXX ) XXXX and they told me that my card has been locked for suspicion of fraudulent transactions ( with no transactions at all ), and I have to fax in a copy of my ID and a copy of the gift card. I sent in this information on THREE different occasions to the number XXXX. 

I have yet to receive a resolution weeks later. I have had customer service representatives hang up in my face, put me on hold for hours just so I can hang up, and transfer me to a survey immediately. The people working for this company have numerous complaints online. My suspicion is that they hope people do not go through the trouble of filing complaints and sending documents. I asked a representative, if I do not send in these documents where do the funds go? He could not answer the question. This is cruel, because there are elderly people out there who receive/give cards to their loved ones and can not go through the hassle of faxing information and calling them 20+ times trying to figure this out. My gift card may be for a measly {$500.00} but I can imagine how that adds up seeing that US Bank is a huge company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. I am being harassed by multiple calls before XXXX and after XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECURITY CREDIT XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a debt collector on my credit report representing XXXX XXXX. I have not ever seen this account and have been disputing this charge for over 5 years. When I did call to find out what the issue is I was transferred many times and then told I would have to wait for something to be mailed to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was financed by American First Finance, XXXX an amount of {$4000.00} in which {$2900.00} used to purchase items from XXXX XXXX. A balance of {$1000.00} was left with American First Finance. I was given 101 days to settle. I paid 90 % of the amount thus {$4000.00} out of Payoff Amount which is {$4700.00} with a balance of {$700.00}. 
Unfortunately, I lost my job at the XXXX XXXX XXXX due to the pandemic, so I asked for a one-month extension. I paid {$530.00} within one month period hoping to find a job. Regrettably, I missed two days to settle {$170.00} but I paid it the same day thinking it will be acceptable because of my situation at that moment. 
On XX/XX/XXXX I received an email from American First Finance demanding that I should respond to their email. So I called them and I was told to settle an amount of {$2000.00} ( which our conversations were recorded on XX/XX/XXXX ) by XX/XX/XXXX because I have missed my 101 days Payoff Settlement. 
On XX/XX/XXXX they posted an amount of {$2000.00} which appeared in my Credit Report. 
I made my first payment on XX/XX/XXXX an amount of {$500.00} then paid the rest every two weeks. I made my last payment on XX/XX/XXXX an amount of {$650.00} before XX/XX/XXXX deadline. After making the first payment, I realized after two months, the payment hasn't been posted so I called them they advised me to download XXXX  and XXXX to check my Credit Score and I did what I was told but after doing that nothing was changed. I have called them several times on the same issue but they are not willing to solve it. What baffles me most is that they confirmed to me on my calls they have received my emails ( more than 7 emails ) which I attached the receipts issued to my payments amounting to {$2000.00}. The payments are made online. 
However, now they have increased my balance from {$2000.00} to {$4800.00} which is incorrect. 
Again, American First Finance continues to demand payments from me In my opinion, I have gotten to know that they want to defraud me. 
I have settled the full amount and don't owe them. I expect them to do the right thing to bring my balance to XXXX.
Product: Student loan

This is a continuation of COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Student loan ISSUE Dealing with your lender or servicer ( EdFinancial Services ). 

ACCT # XXXX I have received a notice dated XX/XX/XXXX that I will not receive my overpayment refund of {$1100.00} until EdFinancial gets the money back from a canceled check. I checked the Internet and it said that, although it may take a couple of weeks to issue a new check, it is not normal practice to fail to issue a new check after a stop on an uncashed check. The Internet said that EdFinancial 's actions are considered improper, as it would be denying the recipient access to the funds of a rightful payment. It also said the refund check is considered a check and not a money order, so there is no lost cash and no funds to get back. On XX/XX/XXXX, I was told on the phone that I would receive the check within 7-10 days. 

I am filing another complaint because on XX/XX/XXXX, I asked EdFinancial about the check and I informed EdFinancial that I would file another complaint if they did not provide the refund check. On XX/XX/XXXX, XXXX responded via email as indicated below. They are going back to the no particular time frame argument. It has been over 7 months now and they keep providing excuses. 

Hello XXXX, Thank you for contacting Edfinancial Services. According to your account, the request to cancel the check was received on XX/XX/XXXX. We are still waiting for the new check to be created and sent. Please remember there is no particular time frame in this process. We do appreciate your patience. 

Thank you, XXXX Edfinancial Services XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some issue my social to attempted to purchase a car under my name. I have taking action of calling the dealerships to have them removed i was informed that no paperwork was done these where all done online. Also no one seems to know the correct person or company to result this issue. These inquires was reported to all 3 credit bureaus There are have several inquires in " my name ''. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX-XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX  XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX XXXX  open XX/XX/XXXX amount XXXX
Product: Debt collection

In my credit these two accounts appear that are not mine and I do not recognize them. I have made multiple efforts with credit agencies. 

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

XXXX XXXX XXXX : XX/XX/year> Dont recognize inquiry not mines
Product: Credit reporting or other personal consumer reports

To whom this may concern After reviewing my consumer reports, I discover some inaccurate reporting of late payments on an account for which Ive always maintained on time payments. Consumer reporting agencies play a huge role in accurately reporting consumer information. it is imperative that this information be reported with upmost accuracy. Ive never missed a payment on my XXXX XXXXXXXX XXXX I requested through investigation into these descriptions and urge you to provide evidence such a statements demonstrating the lateness of these payments. if unable to furnish such proof, I demand these payment be properly updated as on time payment to reflect its true status is on time. I have consistently upheld my payment, obligations without delay. 

From late payments being inaccurate not the same with all three creditors to wrong information reporting.
Product: Payday loan, title loan, personal loan, or advance loan

I requested why a company would charge XXXX dollars over for a loan of XXXX dollars. They explained the interest is very high : yet never explained my total amount due overall would be over XXXX dollars. they also explained I still owe the company money after so much money has been paid.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/2020 I deposited XXXX dollars into my Citi bank account via the atm deposit. XXXX dollars was Immediately made avaible and the other XXXX dollars was Held pending an investigation. One week later I went into the branch that I made the transaction and they told me that the deposit limit was XXXX dollars and there would be a fraud investigation because I deposited over XXXX dollars. On XX/XX/XXXX I met with the store manager and he told me that they would have to close my current account and reopen a new account because of the fraud claim. They then told me the fraud claim will take 10 days to be processed and once processed the funds will be deposited into the new account that I created. On the 10th day of the fraud claim investigation I contacted the bank they then told me the funds had been deposited into an old delinquent account that my ex husband had that had a balance of negative XXXX dollars. They told me I will have to take legal action to recover the funds.
Product: Credit card or prepaid card

Chase/ Southwest Credit card was intercepted and false charges made. Card was cancelled by Chase. New card sent, that card intercepted and false charges made. Chase cancelled that card. Per Chase security, they received a call, that was recorded, requesting to change the PIN number for the card. They did not allow it. I received a third card, different number via mail again. I called Chase to verify receiving the card in the mail. Was informed about above requested change in PIN, they verified my voice on line to recorded voice used to try to change the PIN. CHASE instructed me to destroy that card and sent out a new card via XXXX. I called and verified the card. Also per their instructions made up a personal password for this card. I am XXXX yrs old, live with my daughter and was instructed to send this report to you.
Product: Checking or savings account

Fraud occurred Friday XX/XX/XXXX. This is all provided on my bank statement. 
XXXX purchase XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX TN - {$100.00}. {$3.00} purchase {$100.00} cash back XXXX purchase XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX TN - {$100.00}. {$4.00} purchase {$100.00} cash back XXXX purchase XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX TN - {$100.00}. {$1.00} purchase {$100.00} cash back XXXX purchase # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TN - {$100.00} {$1.00} purchase {$100.00} cash back EWithdrawal from bank XXXX XXXX TN XX/XX/XXXX - {$1500.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$100.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$100.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$100.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$100.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$40.00} Withdrawal from checking acct ATM XXXX TN XX/XX/XXXX - {$40.00} Withdrawal from savings acct ATM XXXX TN XX/XX/XXXX {$100.00} Withdrawal from savings acct ATM XXXX TN XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX TN XX/XX/XXXX - {$7.00} Bank contacted XXXX XXXX XX/XX/XXXX via text to advise they account has been compromised XXXX XXXX XXXX the purchases were ALL fraud. 
Visited local branch XX/XX/XXXX to discuss fraud, closed account closed debit cards and reopened new bank account and issued XXXX XXXX new debit card. We had one outstanding check XXXX to Illinois XXXX {$24.00} the bank was to allow check to go through however they did not and overdraft thus causing us a {$25.00} over draft payment. 
All funds were returned to us XX/XX/XXXX with the exception of the {$1500.00} " pending further investigation ''. 
Funds were reversed XX/XX/XXXX from both savings and checking account. 
Visited local bank XX/XX/XXXX to discuss why this happened as we were not provided any details. Bank stated they investigated the withdrawals and purchase determined we took out the funds due to a " chip card being used '' They can not obtain records from the cameras for any of the transactions. 
Bank contacted XXXX XXXX XX/XX/XXXX stating they were still working on getting our funds returned to us and we have not heard back as of today XX/XX/XXXX
Product: Debt collection

I received a letter of a debt from Commonwealth financial systems debt collection agency with the original account being from XXXX XXXX XXXX in the amount of XXXX. On XX/XX/XXXX20 I spoke to XXXX XXXX ext. XXXX who represented himself as an account manager. I told him I have medical assistance, did not receive a bill from any XXXX XXXX XXXX network office. I asked him who the debt was for specifically, maybe my children because I have not been to the DR in years, as well as the dates of service, what the service was, who the service was with and any information to help me handle this. I need the original creditor. He said he did not have that information but would would mail what he had. I never received any letter or further phone call with any notification of this information. I currently have medical assistance through the state and I need to submit this information through them to get the any alleged debt settled. On XX/XX/XXXX20 I received notification through XXXX that this is currently on my credit report as a collection account and negatively affecting my loan options status. They did not even wait the 30 days for me to respond and request in writing that I dispute the validity before putting this on my credit report file. Upon googling this specific collection agency, it seems there are tons of negative reviews and I am afraid of how they can dramatically affect my credit score. I am attaching the first notice I ever received from them.