23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau ( CFPB ), I am reaching out to seek your assistance in resolving an issue regarding a charge of {$650.00} on my United Club Visa card, which prominently features the United logo. This card, for which I annually pay a {$520.00} fee, is primarily valued for its advertised benefit of complimentary access to United Club lounges, a key reason for my subscription. 

The problematic charge initially appeared on my statement dated XX/XX/XXXX, following a transaction on XX/XX/XXXX. Despite successful contact with the credit card issuer leading to a temporary reversal, the charge was unfortunately reapplied to my account, as reflected in my XX/XX/XXXX statement. My annual fee was charged once again on XX/XX/XXXX as it was one year prior. 

The core of this issue lies in the denial of access to a United Club lounge, despite the explicit promise of such access as a cardholder benefit. Upon attempting entry in XXXX United Club, I was informed of an issue on the provider 's end, which they acknowledged yet did not resolve to allow my entrance. My repeated efforts to rectify this situation through customer service channels with both United and Chase have been met with confusion and inaction, culminating in being charged for a supposedly included service. 

At this point, I have spent around 6 hours on the telephone with no resolution. Youll see that the reversed charge was REAPPLIED to my account in XXXX of XXXX ( and appears on my XX/XX/XXXX statement, attached ). 

This experience not only contradicts the advertised benefits of the United Club Visa card but also highlights a concerning lack of coordination and customer service, leading to significant inconvenience and financial loss on my part. 

Given the circumstances, I kindly request the CFPB 's intervention to facilitate the refund of the {$650.00} charge, which was inappropriately applied for a service that should have been complimentary as part of my cardholder benefits. I also request your assistance in urging both parties to further research their existing policy and technical failures to prevent this issue from happening to me or other customers ever again. 

Your support in addressing this matter would be greatly appreciated, as my own repeated efforts have unfortunately not resulted in a satisfactory resolution ( only many hours wasted on the telephone ). 

Thank you for your attention to this matter and for any assistance you can provide. 

Sincerely, XXXX XXXX Cc : United Customer Service Chase Cardholder Services
Product: Debt collection

I was first contacted by XXXX, XXXX with a collection notice for a XXXX XXXX account that was not mine. I have never owned a XXXX XXXX or other affiliated account with XXXX, ever. The notice was dated XX/XX/2019. On XX/XX/2019, my attorney sent them a debt dispute letter that stated this was not my debt and that if an account with XXXX XXXX does in fact exist, it was opened fraudulently. USPS tracking shows that XXXX did receive the dispute letter. They responded on XX/XX/2019, stating that in order to submit my identity theft claim, I must contact XXXX XXXX directly ; XXXX has updated the account as disputed and will comply with all laws in accordance with this claim. Myself or my attorney never heard from them since. I did not contact XXXX XXXX because it is my understanding that they close their account records once they send off an account to collections and would not work with me to fix this issue. I then received a collection notice from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/2019, for the same exact debt/account with XXXX XXXX. My attorney sent them a similar dispute letter on XX/XX/2019. USPS tracking shows that XXXX did receive the dispute letter. Myself nor my attorney has not received any further correspondence from XXXX. I then received another collection notice from Convergent dated XX/XX/2019, for the exact same XXXX XXXX account and debt amount, except now they added on a collection cost. Once again, my attorney sent a similar collection notice that this is not my debt/account, and that in fact I have never had a XXXX XXXX account. This letter is still in the process of shipping. It seems that this should be along the lines of harassment at this point in time. Once you dispute a debt with a collection agency, they should not be allowed to sell your debt off to a different collection agency and continue to harass you for a disputed debt. I believe that Oregon law, which is where I am a resident, has been violated. See ORS 646.639, which was recently amended to add additional language to ( 2 ) ( t ) as follows : ( 2 ) A debt collector engages in an unlawful collection practice if the debt collector, while collecting or attempting to collect a debt, does any of the following : ( t ) Collects or attempts to collect a debt if the debt collector is a debt buyer, or is acting on a debt buyer 's behalf, and collects or attempts to collect purchased debt before providing to a debtor, within 30 days after the date of the debtor 's request, all of the documents listed in subsection ( 4 ) ( b ) of this section. To me it seems that this interpreted to mean that a debt collector, once you dispute a debt, is required to send you the requested proof of the debt before they can engage another debt buyer to attempt to collect the same debt. Not only this, but ORS 646.639 ( 2 ) ( m ) ( n ) does not allow for additional fees to be added upon a debt, which is exactly what Convergent Outsourcing , Inc. has done with a " collection cost '' added to this debt.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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, credit repair services, or other personal consumer reports

A deleted account due to being unverifiable and unidentifiable was put back on my report illegally. 

Account XXXX XXXX XXXX this account I do not recognize and it was removed are-aged and put back on account. 

I want all I formation including original contract and date of first delinquency fir this account produced or delete it.
Product: Credit reporting or other personal consumer reports

15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C.

1681s-2 ] ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition.

( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Collections & Out : -XXXX - This is for XXXX XXXX - that was a utility bill that was charged to me the month that they I was moving out and they were never a part of the new program that the apts initiated for the utilities yet I was billed for it.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
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 The following inquiries were not authorized and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau [ Address ] [ City, XXXX, ZIP Code ] Subject : Complaint against KIKOFF LENDING LLC To Whom It May Concern, I am writing to inform you that I have filed a formal complaint against KIKOFF LENDING LLC regarding the inaccurate reporting and unjust practices related to my account. I have also sent a detailed letter of dispute directly to KIKOFF LENDING LLC, which I have included below for your reference. 

Account Number : XXXX Late Payment in XX/XX/XXXX Account Opened in XX/XX/XXXX Never Been Late Before The inaccurate reporting of a late payment on my account in XX/XX/XXXX has had a severe negative impact on my credit score, causing detrimental effects on my financial standing and opportunities. Despite my consistent and timely payments on the account, the late payment tag has unjustly affected my creditworthiness. 

Furthermore, KIKOFF LENDING LLC added a new charge to my account at the one-year mark, without my authorization or prior notice. This action is not only a violation of our agreed-upon terms but also demonstrates a lack of transparency and fairness in their practices. I have made every effort to fulfill my obligations by settling the original balance, expecting to conclude my responsibilities. However, the addition of unauthorized charges has caused confusion and frustration. 

As a responsible consumer, I have taken the necessary steps to address these issues by lodging formal complaints with both the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ). I firmly believe that KIKOFF LENDING LLC should be held accountable for their actions and should comply with the regulations set forth by these governing bodies. 

Moreover, I would like to emphasize that KIKOFF LENDING LLC is bound by the Fair Credit Reporting Act ( FCRA ). This federal law mandates accurate and fair reporting of consumer credit information. However, their erroneous reporting, including the late payment tag and undisclosed charges, has negatively impacted my credit score, limiting my access to favorable interest rates, loans, and essential services. 

I kindly request that the Consumer Financial Protection Bureau investigates my complaint against KIKOFF LENDING LLC thoroughly. I urge you to take appropriate actions to rectify the inaccuracies associated with my account, ensuring the removal of the late payment tag and any unauthorized charges. Furthermore, I request that the negative impact on my credit report is reversed, allowing my creditworthiness to be accurately reflected. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will handle this complaint promptly and in line with the FCRA guidelines. Resolving this issue will not only provide a fair resolution for my account but will also restore my faith in the consumer protection system.
Product: Credit reporting

I did n't authorize XXXX to check my credit history but they did. I do n't know how they did since I even did n't provide my SSN.
Product: Debt collection

XX/XX/2019, a " debt '' was put on my credit report with XXXX   for {$720.00}. It was done by XXXX XXXX, a former place that I had moved from. The reported through IQ Data International, that I owe this money because of " damages '' to apartment when moved out. I moved out on XX/XX/2019 with a 60 day notice given to them, scheduled a final walk through with them also. At the final walk through, the only thing found was 2 broken window blinds and a chipped faucet to the bathtub. My XXXX year old daughter was with me at the time as a witness, because I know how these landlords will fraudulently put down things " wrong '' with apartment so that when tenant moves out, the services they hire to " redo '' repairs, can be paid on the tenants dollar. They even said that they had to wax the floor. That floor wasn't even waxed when I moved in. As a matter of fact, the apartment was dirty, down to the electric plugs having dirt grime build up on all of them. I had to ask them to send maintenance back in to go over apartment again and clean it ( which they did a sloppy job still ) I didn't complain about it when I moved in, because at that time, I was living in my car, and didn't want to rock the boat with anything to cause me to not get the apartment. As I was living there, there was also a tenant who was harassing me, to the point she tried to run me over with her car. I kept telling the manager, but they would do nothing. They basically didn't like that I was persistent and " complaining '' to them, so this maybe this was their way of getting back at me. I explained to XXXX  that these are fraudulent charges. The manager at the time of walk through, even wrote things down, only on a back piece of paper, I asked her to let me see, she wouldn't so that way I couldn't sign agreement of listing. I asked her if I could have a copy and she said their office is being remodeled therefore, she couldn't give me a copy. How are they able to get away with this, but when I come up to dispute this, I have to accept whatever they submitted. Nothing agreed and signed by me. Along with their intimidation and retaliation, which is illegal, so is this. XXXX  did not take this off my credit. I am trying to get a place now, and this being on my credit, will also hinder me to do so. I can't be added to the homeless epidemic that governor XXXX  is fighting for. Owners and landlords need to be hit with stiff penalties when they try to do this to tenants that move out. It happens to much, to too many people. Something needs to be done, and you can start here with this complaint. Please initiate XXXX  responsible for not taking this off my credit. Thank you very much.
Product: Debt collection

An Account was charged off and listed as a profit or loss write off. I have not received the 1099 that should have been mailed to me.

Report also has many errors on this account, all showing different dates
Product: Checking or savings account

I live on XXXX and SSI for my daughter 's. The meds I have that work, cost in the hundreds of dollars. That being said, money is always right. When we were getting the stimulus check my bank account was in the hole {$250.00}. Knowing the check was coming was a relief, because it could pay off that overdraft, and give me a few extra $ . What I didn't know was the same night I got the stimulus payment ( XX/XX/XXXX ) the bank put the {$250.00} into the account to bring it current. Since I was expecting {$1700.00} having a qualifying child, I didn't notice that extra money was put in because I was expecting more. Fast forward to XXXX I see a message on my board saying the " {$250.00} loan '' was coming due. But don't worry, if it overdrew your account, they would waive the fee. So I called my local branch. The woman I spoke with didn't even know about the money being put into people 's accounts to bring them current either. So if SHE didn't know, what kind of notice did they give me? I never saw anything about " loan ''. When she came back to me to see what she could do for me, the best was to take off a couple of overdraft fees. She even commented they expect others to be in the same position. So now, because of this my account is once again in the hole, I get paid on the XXXX and my XXXX, XXXX, XXXX ( all of which is being exacerbated by this XXXX  ). What they did was wrong. I did not ask for it and because I am on a fixed income, this will destroy us and potentially leave us homeless. They need to be held accountable and bring my account to a positive balance like the stimulus check would have done in the first place.
Product: Debt collection

The company, Pressler , Felt & Warshaw , LLP, representing XXXX XXXX XXXX XXXX claims to have obtained a judgment against me in the amount of {$4.00}, XXXX ( which has increase to {$5100.00} due to added interest ) on XX/XX/XXXX in the Court of Common Please, XXXX XXXX, Pennsylvania. They claim in their communications a docket number of XXXX, which fails to turn up any judgment or other results during a search of court records. A further search of the promontory 's case records also does not show any judgment against me awarded to to this company. 

Prior to this Pressler, Felt & Warshaw attempted to obtain a judgment against me in magisterial court on XX/XX/XXXX but the magistrate ruled in my favor. I was contacted against by Pressler, Felt & Warshaw on XX/XX/XXXX, at which point they claimed to have obtained the judgment against me on XXXX. I have never received any notice from the court or proof of the judgment from Pressler, Felt and Warshaw. 

On XX/XX/XXXX, Pressler, Felt and Warshaw sent me interrogatories in aid of execution, related to this non-existent judgment. Once again the notice cited this docket number stated above, which as I have previously said, turns up no entries whatsoever when doing a search of court records. 

I should also add that no judgment has been posted to any of my credit reports ; only a collections in the name of XXXX XXXX ( currently listed at {$5100.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting all 3 credit bureaus to drop these inquiries. XXXX is no help even after speaking with a customer service representative. I can not get experian or XXXX  to take them off either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX XXXX XXXX XXXX after seeing them listed as the creditor of an account I didnt recognize on my credit report. I requested they provide me with proof a credit transaction had taken place, specifically, a contract for such bearing my signature. I informed them they had 30 days to honor my request, and if failed to do so, federal law requires the removal of the credit reporting. After 30 days and no response, I wrote again providing notice that as a data furnisher, their non response and continued credit reporting of the account was a violation of the FCRA. Ive attached both certified letters with return receipts, as well as copies of the reporting on my credit reports. 
The law states that XXXX XXXX XXXX XXXX has a duty to perform, not only as a creditor, but also as a data furnisher. In spite of receiving both of my letters, they still havent returned any correspondence and they still report the account Ive disputed. 
As a result, Im forwarding this to Equifax and XXXX, to inform them that this account can no longer be furnished on my credit report due to the noncompliance of the company reporting it. I ask for prompt attention to this matter. 
A copy will also be sent to the Federal Trade Commission and the Kansas Attorney XXXX XXXX XXXX XXXX XXXX XXXX and request they see that the corrective action is taken.
Product: Checking or savings account

I noticed on XX/XX/XXXX that my checking account was overdrawn. I called Chase immediately and we went through all of my transactions. I looked at my checking account and saw that on XX/XX/XXXX a charge of {$250.00} was made at a XXXX in MA. On XX/XX/XXXX charges of {$250.00} were made at XXXX XXXX in VA and XXXX XXXX XXXX XXXX in XXXX On XX/XX/XXXX XXXX charges of {$250.00} were made at XXXX XXXX XXXX XXXX XX/XX/XXXX charges of {$250.00} were made at XXXX XXXX  in SC, XXXX XXXX XXXX XXXX XXXX SC and XXXX XXXX XXXX in SC. I called Chase on XX/XX/XXXX and they informed me my claim was denied because it could have been done online. When I look at my account it reports all of these transactions were done in person. I live in NY state and have not left the state. I have proof I was in the state as I was at work on XX/XX/XXXX and XX/XX/XXXX. I rented a cottage on XXXX XXXX from XXXX. I have a receipt proving I was at XXXX  in XXXX, NY ( where I live ) on XX/XX/XXXX and a receipt from XXXX on XX/XX/XXXX in XXXX XXXX, NY ( where I was renting a cottage through XXXX  ). I have my XXXX receipt for the time I was at the cottage. I have a picture of myself in XXXX XXXX on XX/XX/XXXX but did not use my debit card that day so I have no receipts for XX/XX/XXXX, other than the XXXX receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to remove and block these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the XXXX and Equifax Bureaus are obliged to do so to any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this identity theft report in my last letter & I am including it again. Also, the information you provided on these inquiries is UNKNOWN to me and the inquiry was REMOVED from other bureaus and I have doubts about the accuracy youre showing in my credit report. Remove these fraudulent inquiries from my credit reports, as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX
Product: Debt collection

I am getting harassed and they are pretending to be law enforcement.