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

I haven't received a card for my newly opened account in the mail, it's been close to a month. This is my second time calling in concerning the card. It's well passed the due date. Someone on the other end of the call collected my checking account info and then hung up. I called back and politely voiced my concerns, especially sense my card has never come I've become more suspicious. I remained polite, while the person on the other end of the phone proceeded to talk over me and let me know that the calls were meant to be resolved in XXXX mins. I asked was this the normal procedure when someone was trying to make a complaint and if I could speak to a supervisor politely. After a hold and being further informed that it was Friday and that the supervisor was busy... I never got to speak with a supervisor. I had to ask about the complaint process and normal procedures etc... Usually the processes and procedures available to you are presented and explained if needed, I thought anyway. I just want to be sure no fraud is involved concerning my card/account. Id like to be sure of who I was talking to, the times and dates and names of employees so that In the event of fraud etc... Someone can be held accountable. I'm not accusing. My card still hasn't come, I thought the employees I spoke to would understand my concern or the fact that I'm just trying to be safe. I thought I had a legit concern, plz do correct me if I was wrong. Either way when I call, I would like to feel like a valued costumer and that my accounts are safe. Not to be hung up on and not taken seriously. I didn't realize that calls were meant to remain under five mins but if you just explain the process and procedures and not keep me on hold, hoping I would just hang up, the call would probably go a lot smoother. Could've saved us all a lot of time. Thank you for listening. I hope to find out what happened to my card and how often this happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested TransUnion investigated the inaccuracy of two accounts XXXX XXXX XXXX   and XXXX. XXXX XXXX is reporting inaccurate account information the last payment date XX/XX/XXXX and the date the account closed date XX/XX/XXXX. A charge off can only be processed 6 months after the account is delinquent. The second issue I requested an investigation on the inaccuracy of XXXX reporting a charge off and a high balance. The account did not state the account was sold or transferred.
Product: Credit reporting or other personal consumer reports

US DEPT OF EDXXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, 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.
Product: Credit reporting or other personal consumer reports

There are incorrect address, address code and names listed on my profile that i have continuously reported inaccurate The incorrect information is and address and Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Address code i resquested be deleted XXXX and the Name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE STATEMENT BELOW IS NOT A DUPLICATE COMPLAINT. I sent a initial complaint on Eastern Account Systems in regards to them trying to collect a debt I believe is fraudulent. I placed this on XX/XX/23 and received a response. I have moved from that matter and placed another complaint on the company because I believe they have violated my rights on a separate matter. On XX/XX/23 I placed a separate complaint on the same company ( Eastern account systems ) for obtaining my credit report improperly and the malpractice that took place in regards to that. My XXXX  complaint was disregard due to the claim that is was a duplicate of my previous complaint. IN NO WAY WAS THIS A RESUBMISSION OF MY XXXX COMPLAINT. However, I did use the nature of my initial complaint as evidence in my following complaint which could have caused confusion. My initial claim was in regards to a medical debt collection as categorized on my complaint. To reiterate, this was about the companies lack of validation of this alleged debt even after trying to obtain information and trying to get a response from the company on the matter. The XXXX  complaint was In regard to a totally separate matter and still has not been addressed because it was closed due to the company stating it was a duplicate. The XXXX complaint only speaks to the company violating my rights by obtaining my credit report and nothing to do with medical debt collection. I have edited and resubmitted my XXXX complaint below in hope that no confusion will be caused in translation. The company in question I am not familiar with and has obtained my credit report fraudulently. Under 15 U.S. Code 1681b- permissible purpose clearly outlines the circumstances in which a company can obtain a credit report. Their reasons as stated in their initial response was to collect a debt on behalf of a company which does not give the purpose to obtain my credit report nor have i given written or oral consent. Also, based on the name of the company you claim to be collecting for it is a medical service provider. 15 U.S. Code 1681c prohibits the release of any medical information that could identify the service in respect to said consumer which has not been done. In addition to that the company continues to dismiss my complaints as I have stated in the beginning of this complaint. XXXX XXXX have gone by without any resolve. Dealing with this has caused me a great amount of emotion and XXXX XXXX as well as made it hard for me to make buisness transactions with this derogatory remark on my credit report. Eastern account systems are in violation of all of the above XXXX XXXX and continues to make good on a debt collection that they obtained for pennies on the XXXX This makes them willfully noncompliant pursuant of 15 U.S. Code 1681 n section b which states " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ''
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX. I received a balance due of XXXX because of fees and a partial payment due. I had called them to let them know I can not make XXXX payments in a month and moved the payment to align with my paychecks. I received a notice that a payment is due on XX/XX/XXXX in the amount of XXXX and XXXX more scheduled payments for XX/XX/XXXX and XXXX they have taken over XXXX in fees for a XXXX loan and then has added more fees so the loan will not come down even with my payments. I have asked for monthly payments and they refused.. I can not make XXXX to XXXX payments to them when I get paid XXXX  a month..they refuse to work with me or give me a fee document.
Product: Consumer Loan

I paid off my loan on XX/XX/2016 and have been waiting since then for an overage payment refund of approximately {$45.00}. I have made several calls to the branch and corporate office, and have gotten nowhere.
Product: Credit card

On XX/XX/, Capital One closed my credit card without my knowledge or approval. They left a remark under my account stating " Account closed by credit grantor ''. I was never late nor did I have a balance to be paid.
Product: Checking or savings account

The bank was XXXX XXXXXXXX XXXX, it was shut down due to a ponzi scheme. XXXX XXXX XXXX XXXX, handled by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, phone XXXX with email XXXX informed us that the XXXX, XXXX and XXXX check they sent us were never cashed. In addition the XXXX check they claimed due to the embargo against XXXX, where we reside full time, was sent via regular post office mail, which we never received as there is no postal service in XXXX. When we tried to deposit check {$5.00}, XXXX & XXXX, they bounced because the bank that issued it, Bank of the West, XXXX XXXXXXXX XXXX XXXX stated that the signature on the issued check, not our signatures, the person who signs and approves the checks to be paid was not a recognized signature ( signature irregular ). We called the Bank of the West and they sent us to our other XXXX XXXX XXXX XXXX to deal with them. We met with XXXX XXXX and showed us how they were returned/ bounced due to the Bank of The West not recognizing the issuing signature. We have emailed XXXX XXXX XXXX and have called them numerous times and no response from them. They asked us to email them a Wire Transfer Form, which we did, and they did not take action. We have lost so much money to begin with due to the fradulent business practice of XXXX XXXXXXXX XXXX and we have to be able to recuperate at least what the Bank of The West in CA has issued. We spoke to The Bank of the West in CA and they state because it has been to long the checks expired. But they returned the checks to XXXX  and by the time it was addressed now time has expired? Please help us. Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX, as I tried to log in in my credit card site to pay the bill, i received a notification that a new card was sent to me and couldn't log in. The site informed that a new card was sent to me. I was in XXXX XXXX helping my brother with the aftermath of Hurricane Maria. Since I didn't want to be late, I called the Customer Service No.XXXX. Since the card was delivered to my house and I didn't have the card present, I couldn't find any information on the new card. I asked the representative if I could pay by phone and she said yes, and they charged my card for it. The amount of {$100.00} was withdrew from my checking account on XX/XX/XXXX, and the fee was charged to my credit card. On XXXX, the same thing happened and on XX/XX/XXXX, another {$100.00} was deducted from my checking account. This card was from the Fifth Third Bank and ends XXXX, expiration XX/XX/XXXX. 
On XXXX, I called the customer service again because I wanted to pay my account by phone, but I was informed they couldn't find my account. When I arrived to my house in XXXX I contacted them again and directed to fax a copy of my current bank account statement showing that the money was deducted of which i did. By then I had in my hands the card ending in XXXX issued by XXXX XXXX. After sending the documents again, they said that the only choice I had was to pay the missing payment ( {$200.00} plus change ) to bring the account up to date so they can deduct all the fees I was accrued to " not paying on time ''. I tried to resolved thru my credit union and they said they couldn't to it and was given the Fifth Third customer service. 
I called and they couldn't help me because they couldn't find any record of my card : by card no. by tel. no. by name and address. It was as if my records disappear. 
I just want that they return my {$200.00} plus the fee they charged to the card for the service. 
I know this sound stupid, but I live in a fixed income and {$200.00} is a lot of money to me. 
I know that money is somewhere and the payments were not applied to the new card nor my money return to me. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX
Product: Debt collection

I have tried contacting North American Credit Services several times via postal mail regarding this alleged debt that is said I owe. I have yet to receive any response from them. I would like this removed from all of major credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I was made aware of a huge decrease in my credit score, after looking into all three credit bureaus I noticed an account that was incorrectly reported as an adverse account on Transunion. I disputed it and was told it was updated and was a satisfactory account and has been reported as paid as agreed/never late. I also called the credit lender for the account and was told that there was never a late payment on the account, they had reported this to Transunion on the dispute I filed and told me to wait up to two months for them to update the information. I also called Transunion for information and they told me I had XXXX accounts with late payments and every account was satisfactory. XXXX is also reporting that I have one account that has a late payment of over 60 days, yet when I call them and look over my entire credit report, there is no account with a late payment and they tell me they can't help me because they don't see this delinquent account. I also called FICO and requested my scores and information from each bureau, and XXXX shows XXXX late accounts, and XXXX and Transunion both show one account with a late payment, but can not tell me what account as when they look in their records, there isn't XXXX. This is severely hurting my credit score and hurting me financially, and no one seems to know where this inaccurate information is coming from. I was also told by XXXX to call a financial advisor, which I did, and they did not have any advice on what to do either. I also contacted a lawyer who told me to file a complaint, and then possibly sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint regarding specific records in my document as a result of their malfeasance. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I made or approved. Assuming no one cares, block the mention of any information in my credit report that arose as a result of alleged fraud. Section 605b of the FCRA requires CREDIT BUREAUS to delete any ITEMS or information discovered to have been opened as a result of identity theft. 
XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GAXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$8200.00} ; ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

My Old Navy credit card, issued by Synchrony Bank, was set to expire XX/XX/2022. I have a perfect payment history with Synchrony Bank, and a 100 % payment history on my credit report. Synchrony Bank closed the account without warning me, and could not provide a valid reason for doing so. I did not receive any letters or warnings. My credit before they closed the account was better than it was when I applied for the card. They should not have approved me if they were going to later close the card, as that hurt my credit score more than never having the card in the first place, and is now affecting my ability to look for apartments. I had my credit in a good place, and had a plan to get it in an even better place - a plan that's now been ruined by them closing the card and decreasing my available credit. The fact that they did this during a global pandemic is even more egregious. Because my credit was better now than it was originally, I suspect discrimination based on my name, among other things, was involved in the decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT FROM XXXX XXXX, EXPERIAN
Product: Student loan

On XX/XX/XXXX I paid off my student loan on line. It is through a company that doesnt seem to know whether its coming or going unfortunately. I went to their web site and paid off the total amount it gave me for an unsubsidized and a subsidized loan in of {$9800.00}. The website didnt like that amount it directed me to make individual payments for sub and unsub loans. I followed instruction and made a payment of {$6300.00} and then a payment of {$3500.00}, I received conf # on both transactions. On XX/XX/XXXX my parents found their account was over drawn and had a service charge of {$34.00} for returned checks. Naivet had taken all 3 amounts, the first total amount the site didnt like of {$9800.00} was withdrawn. Additionally the 2 individual amountswere also taken. They owe me {$9800.00}. They were very quick to put a mark my and my moms credit. They are incompetent when it comes to correcting their own mistake! Today is XX/XX/XXXX. I have called them5 times been on hold most of the day or on line there is never a real answer. Give it another week ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023 I paid off a closed /Charged off account on my credit report from XXXX XXXX XXXX A week later I filed a dispute on TransUnion that it was paid in full. Instead of marking it as such TransUnion market it as open, even though the account has been closed/charged off for three years. This mess up caused ONLY my TransUnion report immediately to drop by 76 points. I contacted them and explained the error on their end and to please fix it but nothing was done. Now TransUnion is the only agency to be 76 points below everyone else due to their systems mess up.
Product: Debt collection

I sent a letter requesting validation and verification of debt XXXX XXXX and received no response from the company at all. Disputed the account with all XXXX bureaus and requested method of verification and the response they gave was that they verified the account. I still have not heard from the company at all and this is XXXX. They are still reporting the account and the bureaus are not correcting the problem. The company has greatly surpassed their allotted time to validate the account.
Product: Payday loan, title loan, or personal loan

I made a money lion account and took out 2 cash advances. One on XX/XX/XXXX of {$100.00} and one on XX/XX/XXXX of {$50.00}. I repaid this advance on XX/XX/XXXX. Since then there have been the following transactions NOT done by myself : XX/XX/XXXX Cash Advance of {$160.00}, {$320.00}, and {$330.00} XX/XX/XXXX Cash Advance of {$810.00} XX/XX/XXXX XXXX  deposit {$50.00}, {$100.00}, {$100.00}, {$100.00} ( see attached images ) XX/XX/XXXX XXXX Plus MoneyLion Loan {$300.00} ( see attached images ) XX/XX/XXXX Cash Advance of {$110.00}, {$260.00}, and {$260.00} XX/XX/XXXX Loan of {$1000.00} The cash advances were being done on a MoneyLion XXXX  card along with a multitude of additional transactions ( located in attached images ) and I do not obtain any sort of MoneyLion card. 

I have been trying to contact MoneyLion with requests to close my account and report fraud since XX/XX/XXXX when I was notified of the transactions. They said they filed a fraud claim, but fraud continued until today, XX/XX/XXXX when I called and refused anything besides closing/deactivation of my account. I have reported fraud on both of my bank accounts that have been compromised, but have yet to see reversal of money.
Product: Credit reporting or other personal consumer reports

This morning, I found discrepancies on my credit report, which shouldnt be there. I tried refreshing my browser, but it wasnt a glitch. Please check my documents carefully and resolve this immediately to ease my frustration.
Product: Debt collection

Unsure of dates or times, just myself and a friend receiving multiple voicemails from K P ASSET CONSULTING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Threatening legal action. Threatening to come to my place of employment and my home.
Product: Credit reporting or other personal consumer reports

XXXX, my private student loan servicer, has presented one problem after another since the beginning of our financial relationship approximately fifteen years ago. Most recently, and most problematic, ( after many hours spent on hold trying to reach someone ) I had a conversation with a XXXX representative on XX/XX/XXXX and again on XX/XX/XXXX at which time an agreement was made to remove all prior late payments reported to the credit agencies as it was the major factor in my troubles attaining a mortgage. I asked to receive this information via mail since I'd experienced so many problems with them in the past. No letter was ever received and the stated information has not been removed from my credit report. In frustration, I then disputed the account information with the credit bureaus ( XXXX, TransUnion, and XXXX ). XXXX responded with a denial after 25+ hours on the phone and multiple assurances the information would be amended. 
At this point, I am beyond upset with the service I have received from them over the years. The above is one example of multiple inaccuracies I have encountered with them over the years. When I call to check in on the process, I'm told no record of such phone calls even exist. They have been the cause of many tears and setbacks in my life and I feel I have nowhere else to turn.
Product: Checking or savings account

Fri, XX/XX/XXXX at XXXX PM Account Holder : XXXX XXXX Account Ending In : XXXX Dear XXXX XXXX, As a reminder, please visit your Apple Pay wallet to complete activation of your Citibank Debit Card in your mobile device Additional verification is still needed to complete activation of your Citibank Debit Card in Apple Pay. 

Call us right away if you did't request your card be added to XXXX XXXX XXXX you did not ask for this debit card to be added to XXXX XXXX, or if you need help completing your card activation, please call XXXX ( TTY XXXX ) right away. 

We hope to hear from you soon Thanks for the opportunity to serve you. 

2021 Citibank , N.A . Member FDIC. Citi, Citi and XXXX XXXX and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world. All rights reserved. 

XXXX XXXX is a trademark of XXXX XXXX, registered in the U.S. and other countries.