23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX/XXXX/16 my Discover Card was charged {$47.00}, without my approval, for a subscription to a mobile application. Withstanding the charge not being authorized, the subscription for which I was charged was not credited or applied to any account or mobile device in which I possess. That is to say, no benefit was received. 

After contacting the Merchant directly, and finding them unable to assist ( due to incompetence or failure to understand the issue ), I issued I charge-back with Discover Card ( case number XXXX ). When the Merchant responded with information ( see Appendix A ) that was blatantly contradictory to my previous communications with them ( see Appendix B ), I notified Discover via writing of this fact ( see Appendix C ). 

Despite the clear and evident failure of the merchant to faithfully represent the nature of the charge, and my clear an unequivocal statement that no benefit was received, Discover Card denied my dispute despite their promise of a " XXXX-liability Guarantee '' ( see Appendix D ). 

After a review of the documents in which Discover attached to the case, it became apparent to me that Discover Card deliberately and systematically censored all relevant information pursuant to my appeal. That is, they blacked out relevant dates, and other information in the appeal I submitted, which clearly highlighted inconsistencies in the Merchant 's claim. This action undoubtedly led to the improper denial of my dispute. ( See pages XXXX of this letter ; Appendix C. ) Unfortunately, in this case Discover Card has acted in a manner which is inconsistent with its promise to deliver top-notch customer service, and XXXX-liability for fraudulent transactions. In denying my appeal Discover chose to censor and suppress contradictory information rather than evaluate it in accordance with the Cardholder Agreement. 

For this reason, I consider Discover Card to be in breach of its obligations for which it is bound, and to be acting in a manner illustrative of disregard of its obligations. It behooves me to think of all the similar claims Discover suppressed in the spirit of appealing to Merchants as opposed to seeking a just resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX MAJR Financial corpora highest balance XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion and XXXX numerous times in last 2 yrs. about taking out fraudulent debt collection activity from my account. I have submitted police report and affidavits. It has been two years and they keep telling me the are investigating. The investigation and it will be removed from my credit in 30 days. They keep coming back and stating XXXX XXXX XXXX will not allow them to take my fraudulent debt out. I have contacted and submitted all of the above information twice via mail to XXXX data. First time they stated they didn't get the mail so second time I mailed them a certified copy. I tried to call ID Data on XXXX and person XXXX, stated what I have submitted is not enough. I explained to her that I have submitted everything they have asked for. " She kept saying in LOUD voice, " it's not up to me SIR '', It's not up to me ''. I hung up and asked to speak to supervisor and left a message. " She was in a Meeting ''. No call back from her. I have already submitted complain against ID Data earlier. This complaint is against Transunion and XXXX for failing to take out false information from my credit report for two yrs while acknowledging that they have everything they need from my end for submitting a fraudulent account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose. 


Also as stated I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists.
Product: Checking or savings account

I have multiple accounts with Capital One Bank current all deposits being made into my accounts through ACH and onsite deposit are not shown online as available funds. I have bills on auto drafts and if they are rejected because lack of funds, thing can be turned off and canceled. Customer service is not being clear about the cause of the issue, but no NSF charges will be applied to my accounts if they go in the negative. Still, this will not pay my creditors. I have spoken with other Capital One customers I know, and they are experiencing the same issue. Could you investigate to find out the truth?

Thanks
Product: Credit card or prepaid card

I went to Comenity 's website https : //d.comenity.net/ac/playstationvisa/public/home on XX/XX/31 and signed up for the XXXX XXXX card and was instantly approved. I waited for card and it was wrong card type. The card that came was just the normal XXXX XXXX. 
I have called on multiple occasions only to be redirected to the fraud dispute process. 
Comenity has promised call backs and has made no attempt to rectify this. Now unless I am wrong this is illegal under 12 C.F.R 226.12 as this is a different card type.
Product: Debt collection

My daughter had a XXXX boy that had a huge crush on her and she told him that she only liked him as a friend only. He got upset and told his mom that she was saying she wanted to XXXX. She was XXXX years old at the time. So his mom called the sheriffs department in our countyand told them my daughter was going to XXXX which was not true. So the sherrif came to my hose with an ambulance and took my daughter away for a XXXX and XXXX which was a lie from that boy. The ambulance company hired Data Central to collect over {$1500.00} from me for an ambulance ride that this boys mother se into motion over a rejection lie. They need to take off this bogus debt as it is not mine but the boys mother. I had to pay apprx. {$200.00} for an evaluation which came back good on my daughter. This woman caused a lot of XXXX believing her son whom is a liar. This is not my bill, but hers to pay for her sons lies.
Product: Payday loan, title loan, or personal loan

I applied for the line of credit for a washer & dryer that cost a total of XXXX total. Finance fees included it was suppose to XXXX. Now 11 months later I paid more then XXXX or more for the units and they saying I owed them XXXX for the units because I missed the pay off time for the XXXX and they charging XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Automated Collection Services, inc. is reporting an account on all three of my credit reports that does not belong to me. I sent them a " Validation Letter '' to this company XX/XX/XXXX requesting validation for the amount they claim I owe. I reviewed the letter and completing disagree with their claim. I did not received services from XXXX XXXX Department as they claim and I want this incorrect information removed from my credit reports immediately. 

Just to add, during the time they claim I needed their services I had 'Full-Coverage '' Insurance through XXXX and have had it since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of XXXX  ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Checking or savings account

I opened a new checking account with UnionBank. I deposited {$250.00} through the personal check and deposited {$120.00} through the bank transfer. But a few days later, I received the letter from UnionBank stating my checking account was closed for fraud reason. And all my funds are frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I made a transfer from my XXXX XXXX XXXX account ( XXXX ) to my XXXX checking account ending in XXXX. That transfer properly made it into the XXXX account the next business day XX/XX/XXXX. I did another transfer on XX/XX/XXXX from my XXXX to XXXX for {$630.00}. I noticed after about a week this particular transfer never showed up in the XXXX account. I made my first contact with XXXX on XX/XX/XXXX who instructed me to make a dispute for the missing transfer. I followed their guidelines and did the dispute through XXXX. Within a day the dispute was closed with XXXX stating that I would have to contact XXXX to fix the missing dispute. 

I called XXXX  that same day, uploaded my statements that showed I had more than enough funds in the account to succesfully make the transfer. XXXX  even provided me the 15 digit reference number for this transfer. They instructed me to provide this information to XXXX and I did. In the meantime, to keep our checking account with XXXX from being negative I initiated another transfer XX/XX/XXXX for {$310.00}. The same problem happened with this transfer and it never made it into the XXXX checking account. 
I contacted XXXX immediatly to open another dispute. At the time I was not sure what the proper protocol was so I was in contact with both Banks. I provided XXXX with the 15 reference number for this transfer. 

Within a few days XX/XX/XXXX. XXXX had refunded me those two missing transfers after I uploaded supporting documentation and statements highligting the missing transfers, dates and how they never appeared in the XXXX account. On XX/XX/XXXX and XX/XX/XXXX XXXX penalized the account for the two amounts I had disputed ( {$630.00} and {$310.00} ) they took these amounts out of our XXXX checking account without any reason. This in turn put the account in the negative.XXXX  claims XXXX needs to fix this issue however XXXX  has honored there role and reimbursed my XXXX  for the two missing transfers, a representitive claims that since XXXX 's system penalized our account for those 2 amounts then XXXX would need to honor their mistake and correct it. 

I have been fighting with them to fix this but they keep saying I am liable even though I have supporting documentation to highlight their error.
Product: Checking or savings account

I first received a notice from Wells Fargo in late XX/XX/2021 thanking me for opening an account with them. I called them and they assured me that there was no account in my name and the letter was likely due to user error - I explained that made no sense since I have never banked with Wells Fargo. But since I was assured there was no account, I felt the matter was closed. Today ( XX/XX/2021 ) I received a statement at my home address for a checking account. When I called the customer service number, I got transferred around multiple times. I wanted to know where the account was opened, what associate opened the account, when it was opened, how they verified my information, and how they verified the information to conform with the Patriot Act requirements. All they could provide me was that the account was opened in California and that I could close the account by going to my nearest branchsoooI guess I need to drive 5+ hours to the nearest location a to get this fraudulent account closed - since there are no Wells Fargo banks in my state ( there is a Wells Fargo Mortgage location in my area, but they said they could not assist ). If I do drive to the nearest branch, I wouldnt be the least bit surprised if they tell me to fly to California to close it- but they cant even provide the city that the branch is- so I guess I would have to spend a week or so visiting every branch in California until I found the branch that the account was opened in.This is absolutely ridiculous and frustrating. This bank has scammed people for too long - their ability to participate in the FDIC program should be revoked - that would drive customers away in droves and likely make them take seriously legitimate complaints from people similarly situation as me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, XXXX, and Transunion that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXX/Bankruptcy Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the XXXX credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered U

NVERIFED. I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello; last year i reach out to XXXX XXXX XXXXequesting an explanation why they ding my credit ; they blame me for applying for car loan which was incorrect ; it turns out not only was my identity used and they provided another XXXX dollar credit ; but they lied about it ; now on my credit when I ask for an increase they only increased my XXXX year account by XXXX ; I don't understand how someone who isn't really me could get a account and still use my credit without my consent and lower my score ; I need help
Product: Money transfer, virtual currency, or money service

All of my XXXX XXXX earnings and transaction 's, by design, are processed through

PayPal.

PayPal has prevented my access to my account and states that I may, " never have access to such, ever ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL HARD INQURIES THAT ARE ON MY REPORT THAT DID NOT ASK FOR OR APPROVE CONSUMER XXXX XXXX XXXXXXXX,, US SM BUS ADMIN, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX XX/XX/XXXX ; U S DEPT OF EDXXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I was given 3 {$500.00} vanilla gift cards and all of the cards where used by someone else.. online purchases. I completed the fraud report and emailed In XXXX and have not heard since then. I have been calling and get no help. We are talking about {$1500.00} which is a lot of money. My 2 other co-workers got gift cards too which we received for our XXXX bonus and their cards have also been used by people online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted an open and positive auto trade line ( XXXX XXXX XXXX XXXX  ) from credit report without authorization and/or without cause. Dropping credit score tremendously. RepXXXX refused to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This organization is in violation of XXXX5 USC 169XXXX XXXX XXXX 

Repeatedly request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. 

This organization is in violation of Furnishing certain deceptive forms. 

15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

The false representation or implication that documents are legal process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : BankruptcyXXXX Case Number : XXXX, XXXX - XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX
Product: Vehicle loan or lease

i am a member of the Military. I was suddenly XXXX XX/XX/XXXX and did not give me time to call all of my creditors, ... ..Credit Acceptance has reported me late from XX/XX/XXXX until XX/XX/XXXX ... ... I sent them a letter explaining what happened and they did nothing to correct the late payment history reporting ... this is absolute bullshit..i go out to serve our country during a pandemic and this company has the nerve to report all of those late payments and ruin my credit ... .my next step is a complaint to the state attorney general and even to speak to a consumer attorney if this is not corrected.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I was checking my credit report and notice several unauthorized inquires. They are as follow. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened my business, personal, and savings accounts with US bank back in 2022, in order to have an account that I can do my business through, to make a growing legacy for my family. I was getting paid through sales that are made for products that a variety of companies/businesses are buying as my XXXX XXXX supplies me with invoices regarding the transactions. I then would verify the transaction by calling the customer to talk about the sale. I would then take some of the money out of my account in order to pay vender 's that I need to pay in order to send the customer their products they purchases. 

About a week before XXXX of 2022, US bank froze all my accounts when I had over {$500.00} in both my regular checking, and business accounts. I also had {$800.00} in my Savings account, once they froze my accounts, they told me they were doing some kind of internal investigation on my accounts that were NOT a part of the US bank XXXX XXXX department. It was being investigated by a team that they would not disclose information with me about, nor have they ever told me anything they found ( if anything ). I have called them to talk with the branch manager, and continue to wait for a call back that I have not received as I asked for correspondence regarding any paperwork regarding where the remainder money that was in my accounts went? 

I and many others around me feel that US bank broke my trust with them as they took my money, did not contact me regarding why or what they did with any of my remainder balance. They continue to call and harass me trying to get me to pay for a bill that I have NO information about, they haven't sent me anything about it, and they still call me to try to collect a " so called '' credit card bill that I had with them when I was a customer, I was paying it, and nothing was wrong, Now that after the accounts are all closed, they still send me email messages to view my statements when I can't log on the the portal to check anything because they blocked me from being able to do so. They won't send me anything in my mail to correspond any information regarding this " so called '' debt. 

I believe that with the XXXX XXXXXXXX that they took from my accounts when they closed them, should have been paid toward the credit card that is in question, and my remainder balance would have been sent to me in a cashier 's check. 

Thank you ; XXXX XXXX