23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. On XX/XX/2021 I made a payment of {$360.00} to XXXX XXXX to settle my debt with an old XXXX account. I was informed that this account, XXXX, and all negative remarks would be deleted from all three credit reporting bureaus : XXXX, Equifax, and XXXX. Eleven months later, XX/XX/2021 the XXXX account is STILL on my reports. Much to my dismay, it showed up on a Tenant Screening process when I was trying to move. : ( I have contacted the original creditor, XXXX, several times, and each time I am told that they no longer have my account documents, that all documents were transferred to the collection agency, XXXX XXXX. 
Upon reaching out to XXXX, XXXX, and Equifax, I was told that " The account was transferred to another agency, '' and that I need to contact them to remove it, which I did SERVERAL TIMES -- XXXX XXXX. 

On XX/XX/2021 I received a letter from XXXX XXXX stating that the Fingerhut account will be deleted from all three credit bureaus : XXXX, XXXX, and XXXX. Yet, here it is XX/XX/XXXX, and it is STILL on my credit reports negatively effecting my credit score, and interfering with my plans to move. 

Please help me. 

XXXX XXXX XXXX
Product: Checking or savings account

XXXX is an extremely poorly run online bank. Their desktop website does not allow me to log in on any of 3 browsers I tried, and the mobile app is nonfunctional as well, and its Plaid integration fails to allow me to connect any external accounts I have. My money is stuck in my account, and I just found out over the phone with support staff that they disabled transfers out of the bank. They are trying to instruct me to enable them, but have limited knowledge of their app UI or how I can do that. Extremely frustrated that my money is stuck with XXXX. They were unable to locate records of any of my transfers out. They should be shut down until Midland can figure out how to create an app that works.
Product: Checking or savings account

I was gifted $ XXXX in my Navy Federal bank. The money cleared and within a 3 hour period the bank took it back and is a XXXX. Their only response is either the bank requested it back or we stopped the payment. No I need to know where they took my money!! This happened XXXX on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to investigate disputed items and incorrect personal information on my credit report, despite my efforts to provide all necessary documentation for verification. 

On XX/XX/2024, I mailed a dispute letter to TransUnion, requesting a thorough investigation into inaccuracies present on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. In my dispute letter, I included copies of my photo ID, social security card, and a recent bill displaying my current address, all of which were intended to assist TransUnion in verifying my identity and address. 

However, TransUnion has refused to conduct the investigation requested in my dispute letter. This refusal is deeply concerning as it directly impacts my financial well-being and violates my rights under the Fair Credit Reporting Act. Despite providing all necessary documentation to verify my identity and address, TransUnion has failed to fulfill its obligation to investigate and correct the inaccuracies on my credit report. 

I received a response back from TransUnion dated XX/XX/2024 stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.
Product: Credit card

Synchrony is doing everything in their power to ruin my score/ increase debt ratio. I have been paying every month. This is the 3rd time they have reduced my limit and/or closed accounts. I dont deserve this. I was in the high XXXX and now am in the mid XXXX thanks to this. 

It all began when they added a service without my knowledge called payment security to my account back in XX/XX/2022 which charged me hundreds in service fees to my account on a service that was meant to help with debts during a financial hardship. I called and asked it to be removed but they persuaded me to keep it and file a dispute because I had been going thru a financial hardship at the time. I filed proof of hardship, medical documents and after 3 months was denied assistance. Payment security is an absolute scam that took advantage of their cardholders in a globally challenging time. After all of this I requested the service be stopped and the account be closed which I have continued to make payments on to this day. After closing this account they reported it as a derogatory closure on my account and it dropped my fico between XXXX points from that closure alone. My credit was destroyed that day and went from good to poor credit. I wish this was the last of it but they continued to further ruin me. 

After this they closed car care credit card and lowered my care credit limit to the balance owed which now appears on the bureus as a maxed out credit card and a higher debt ratio from these unjustified and unethical closures. They specifically targeted me after the paypal closure and reporting them to the bureus, FTC, XXXX for this service of theirs. And now sent me letters that they've closed cards and lowered limits due to my credit score and debt ratio which they are to blame for creating this image. 


I would like my score as well and limits restored if not I will be disputing this matter in court. And due to the challenges, suffering and defamation this matter has brought I would also like them to pay for damages as well as be penalized for it. 

Its is absolutely disgusting a bank would retaliate and target someone like this, intentionally ruin their credit and lives. I depend on my score at this time to secure housing which this experience is not only upsetting but greatly damaging, its the reason I am presently without a home at this time because no one will approve me with such a score no matter how much I try to explain it wasn't my doing. 

XXXX XXXX XXXX Synchrony Synchrony Payment Security XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are reporting several XXXX XXXX payments as being late when this is not correct because my payments come directly out of my paycheck every month. XXXX  is reporting it correct as never late paid on time. Why is this? This is the account that i'm requesting be updated. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Dates reported late are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX
Product: Prepaid card

Company is US BANK and I have recently become a victim of identity and fraud theft as a result of the local postal delivery mistakenly delivering mail to the incorrect apartment number. This unfortunate incident allowed an unknown individual to gain possession of my card and unlawfully utilize my personal information to modify bank account details, granting them access through the automated system and enabling them to withdraw money. It was the bank who alerted me to this unauthorized activity and we started the process for the claim and filed yet they denied it. Despite accurately providing our address, we have encountered numerous instances where our neighbors have returned our mail. Furthermore, there have been occasions when we have received mail intended for residents of other apartments as well. Could you please assist me in resolving this matter? I am currently facing a situation where I am receiving mail intended for multiple individuals who do not reside at my address. 
{$7700.00} funds stolen from XX/XX/2023 - XX/XX/2023 i want the bank to complete a proper investigation as they did not even investigate longer than a few days before declining the claim ( dispute claim # XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This dispute and investigation is for Enhanced Recovery. I had phone service with XXXX XXXX and was ending my contract with them and I was charged twice for a payment on my card. They continued to bill me for a third time when I explained they already received two payments. They continued to pursue me for compensation and I refused to pay because I was already charged previously. The account went to collections which it should NEVER have, and I disputed this file and had it removed a couple times from my report. Enhanced Recovery has since appeared on my report owning the same debt which was placed in a collections status plummeting my credit score. I needed it to go away to save my credit score so I paid the balance AGAIN in full in XXXX 2016 to get rid of the collections status. This account is still on my report and in collections status, I demand it be removed for good!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 a credit card account with XXXX XXXX XXXX was fraudulently opened in my name. I learned of this account after receiving a collections notice from XXXX XXXX XXXX ( a collections company ) requesting payment. I do not, nor have I ever, held an account with XXXX or XXXX XXXX doing business for XXXX. I have not, nor have I ever, authorized use of my name or personal information for incurring a debt with XXXX or any other debtor. 

Upon speaking with a XXXX XXXX XXXX representative, I learned this account was created on XX/XX/XXXX and a purchase was made in the amount of {$990.00} in XXXX XXXX, CA which I have no knowledge of. The past due balance after no payments were made is {$1100.00} as advised by XXXX XXXX XXXX. The address on the account is not, nor has it ever been, my residence. I learned of this address from the XXXX XXXX XXXX agent and she advised it is XXXX XXXX XXXX, XXXX, TX which is an address I am not familiar with. I did not, nor have I ever, made a purchase via XXXX in any manor or a purchase in, or shipping from, XXXX XXXX, CA. I have tried numerous times and numerous numbers ( listed below ) to reach XXXX and every representative has said this account is non-existent and will not give me any further information. I have tried in excess of 17 different phone numbers ( or transfers ) for XXXX and have reached no resolve. In addition, XXXX will only give information after providing the email address on file to which I do not have an email on file with XXXX. 

The fraudulent account is showing on all 3 of my credit reports and hindering my ability to get a mortgage. I have spoken with XXXX XXXX XXXX which was the collections agency associated with the account and they determined the account was fraudulently opened and removed their reporting from my credit history ( see attached letter ) ; however, I can not get anyone at XXXX to acknowledge this account even exists or to remove it from my credit report. 

My resolve would be to please remove this account from my credit history and provide a letter in writing either by email or mail stating such intent. I certify the representations made are true, correct, and contain no material omissions of fact. 

XXXX Numbers I have contacted, but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, Since XX/XX/20, I have attempted to right a wrong with PNC regarding a check I mistakenly deposited into my business checking account with them and PNC has not assisted me in recovering these funds for several days now. 

I mistakenly deposited a {$3000.00} check ( check XXXX ) into my business checking account on XX/XX/20 and this check was actually written on the SAME business checking account. I thought the check was from a different account I owned, but it was from the same account that it was written on. I realized the error but it was too late. 

{$3000.00} was withdrawn form my account to cover the check written on the SAME account, the funds came out and were never deposited back, despite the several attempts I have tried to make regarding this. Right now, I just want my {$3000.00} back into my account. I dealt with someone named XXXX XXXX from the PNC help component on the online app and she has not communicated with me in a way that would help me. I spoke with her twice. She said it would take 3 days, but it has been well in excess of 3 days. I want the {$3000.00} put back into my account as soon as possible. 

Though it is my error, PNC should have also caught this error and refunded the money, but there has been no action. Now I need a different kind of help.
Product: Money transfer, virtual currency, or money service

I was contacted by email by a photography who claims to have found my contact info from the IMDB actors website because I'm an actor they they offered me {$2900.00} sent me a check for booking me. They also sent me a contract for the shoot which I can provide. 1 day later they claimed that they need more time to set up the shoot so they ask me to XXXX  them {$1900.00} and then they ask to XXXX them {$950.00}. I called my bank citibank and they said the {$2900.00} check cleared and they can't void it. this lead me to have the confidence to XXXX  them the money back. 2 days later the check was voided and this lead them to take my money a total of {$2900.00} they also sent another check of {$2500.00} that they also voided 2 days later after they ask me ro wire them a total of {$2000.00} to name - XXXX XXXXXXXX XXXX XXXX XXXX account number XXXX routing number XXXX and i declined. the XXXX phone numbers they used are no longer active and they haven't responded to my emails of me asking why are the checks voided. This is clearly a scam i was robbed of {$2900.00} citibank is looking into it. all communication was done by email. I have all documents, checks, and entire email transcript to back my claim. also the XXXX receipts. they basically sent me blank checks this photography seems to have a website XXXX and these are the XXXX accounts they used with the phone numbers XXXX XXXX XXXX phone XXXX {$1900.00} and XXXX XXXX XXXX XXXX {$950.00} I need my money back {$2900.00} and these people belong in prison. Also citibank gave me the wrong information and told me over the phone the {$2900.00} check could not bounced or be voided which gave me the confidence to send the XXXX  payments. A total of {$2900.00} was stolen from be an online scammer.
Product: Debt collection

XXXX XXXX XXXX XXXX This derogatory account was a result of identity theft. The original company was cashcentral {$310.00}. 
This has been resolved with both companies yet XXXX refuses to remove completely after agreeing to do so. Many many many times Ive called and been promised they would remove completely. Still on credit report. I am purchasing a house next week with this derogatory mark which is illegally still there. 
Leave my credit alone!
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name XXXX XXXXXXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Feder for similar practices, where transactions settled with insufficient balances despite initially available funds. I request an investigation into my account transactions.
Product: Debt collection

This is a NEW complaint. Select portfolio servicing did not ATTEMPT to collect a debt not owed. They have {$250000.00} for a debt in dispute XX/XX/2020 select portfolio servicing provided a payoff statement in the amount of {$250000.00} to the title company. XXXX XXXX  collected this amount that was wired to sps that day. XXXX XXXX sps returned the money to the title company which because there was no release provided was promptly returned to Sps. Sps then returned the money to XXXX XXXX. XX/XX/XXXX sps received a check for {$250000.00} from my proceeds from XXXX. No releases have been recorded and I still do not have my proceeds
Product: Credit card

I had several payments for XXXX and XXXX set up due to being XXXX XXXX and knowing it was likely to be underway when the payment was due. In XXXX the day before my payment they drafted the entire balance of the account, causing an overdraft fee from my bank. Then the next day proceeded to withdraw again. Moving forward they have yet to do anything to rectify this but again in XXXX they withdrew the entire amount again making the overdraft fee occur. 

At this point they have cost me money, wasted what precious little time I have with my family, and have the potential to put my security clearance at risk with this behavior which puts my XXXX and a half year career in jeopardy. I am appalled by this situation and have been offered no solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out dispute letters to XXXX Equifax and XXXX for inaccuracies that have been reporting to my credit report. This has been an ongoing issue. It's now XX/XX/2021 and I am yet to get a response. Since they are not complying with my dispute request, today, I sent a 30 day demand to comply letter to each of the companies listed above ( XXXX, Equifax and XXXX ).
Product: Debt collection

Ideal Collection Services is attempting to collect a debt that has not been properly validated.

The debt to which ICS is attempting to collect was compiled XXXX/XXXX/2018 and faxed to ICS on XXXX/XXXX/2018 for carpet replacement on a rental i vacated on XX/XX/2018. 

ICS provided USPS certified mail Labels ONLY without the original contents, no sender info at all. Just .... XXXX XXXX .... they mailed the certified labels to the apartment that has been vacated where it sat for over a month " knowing i could not possibly of had any knowledge of its existence to respond to the bill obviously ''. This clearly is in violation of my rights under the Fair Debt Collection Act and the state of Florida Statues Law Title VI Chapter 83 Article ( 3 ) ( a ) 3rd paragraph.
Product: Credit reporting or other personal consumer reports

This is regarding my HELOC loan at XXXX XXXX XXXX XXXX XXXX XXXX. I requested a payoff quote amount on XX/XX/XXXX. The company received my payoff amount of {$5200.00} on XX/XX/XXXX which was wired by a third party XXXX XXXX, of which {$5100.00} towards principal payoff. I received a letter stating that the loan was officially paid off and the XXXX feature was turned off. I also received a payoff overage check of {$25.00} on XX/XX/XXXX. 

However, my account was not closed as of XX/XX/XXXX when I reported this complain. I received the XXXX statement for the amount due {$100.00}. I called the customer service on XX/XX/XXXX who said that I was missing a Payoff Authorization form, but I did not owe the company, actually there was a credit on my account. I immediately sent the Authorization form with a certified mail which indicated they received it on XX/XX/XXXX. I called again on XX/XX/XXXX to confirm if they have everything to close my account and release the lien. The customer service said that everything is good. I have their Research Reference : XXXX I received the company letter on XXXX with a new payoff quote and instructions how to send it. I called them again to to confirm what they want in order to close my account. I sent the new quote for the amount of {$54.00} in cashier 's check, along with my letter to request close my account and release the lien on XX/XX/XXXX by a certified mail. They received it on XX/XX/XXXX by USPS tracking. Also noted, the company actually sent me a check with the amount of {$50.00} dated on XXXX. This is so contradictory with the new payoff quote. 

Today, I found the XXXX statement dated XXXX with the amount of due {$1.00} under my account online. This company listed my account as Delinquent Account on my credit report as of XX/XX/XXXX. 

I have all documentations if you need to inveterate this complains. I want to close my loan account, release the lien at my county promptly and clear delinquent status from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violet my right with this account still reporting no accurate or 100 % verify please I need take action under laws fcra I have right I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
XXXX XXXX account # XXXX this account still reporting monthly when is charge off is considering income this income dont reported in credit burues XXXX XXXX is fraud account result identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Discover to alert them that someone is re-aging my account XXXX I personally have not made a payment on this account since XXXX when the account was closed for no reason and flagged as a security breach and threat to the company. They closed a perfectly good account with no explanation. For this reason I stopped paying and using the account in XXXX. The account was due to fall off my credit so I called Discover to find out when the derogatory account was going to fall off due to the 7 year statue of limitation. All of a sudden from XX/XX/XXXX to XX/XX/XXXX. ( TWENTY ONE UN ANSWERED PAYMENTS DONATED TO MY ACCOUNT OUT OF THE BLUE ). Re-aging the account til XX/XX/XXXX. This is down right dirty if I made the payments what card or bank did I use to make such payments There has to financial records to prove this if they got payments. This was intentionally done by DISCOVER because XXXX on earth knows that I did not make those payments it makes no sense when the account was closed by Discover in XXXX. 21 payments made by someone other than myself this is a shame. Who would make payments 120 days past due. I'm going to the FTC this is wrong dead wrong. 
I want proof of these payments because I'm the only one that would have made them.