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

I did not authorize these inquiries witch are as follows, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  all were on the date of XXXX XXXX..This aint me I need these removed I tried to call trans union and they did not give me no help I had answered all ther questions and did all the steps and they still gave me a hard time that is why I am contacting your company to let know this is not fair no right I even explained to them that under the FCRA legally these unverified & unauthorized items Must be removed!! And they still did not help me
Product: Credit reporting, credit repair services, or other personal consumer reports

account was opened on XX/XX/22 for the company XXXX XXXX for the amount of {$3600.00} was opened on XXXX, TX a city i have never been in my life. the company Credit Management LP open a collections on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is reporting a account that does not belong to me I did not authorize any account with XXXX XXXX XXXX and its damage my reputation and trustworthy this account does not belong to me Im a victim of identity theft I file numerous complaints to trans union but the account still showing on my consumer file account name XXXX  XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, 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. XXXX XXXX : # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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, all have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX BALANCED {$2500.00} XXXX XXXX  XXXX BALANCED {$940.00} XXXX XXXX XXXX BALANCED {$730.00} XXXX XXXX  XXXX BALANCED {$5200.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$210000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencieS TRANSUNION LLC have violated it..the of accused collections account and date FOLLOW AS : XXXX XXXX XXXX ON XXXX XXXX FOR {$480.00} AND XXXX XXXX XXXX ON XXXX XXXX  FOR {$1900.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW TRANSUNION is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter..BE ADVISED THE other 2 credit reporting agencies XXXX AND XXXX HAVE DELETED THESE 2 COLLECTIOND, WHICHIS CONSIDERED ADMISSION OF GUILT ..YPUR STILL REPORTING FALSE INACCURATE INFORMAYION ON MY CONSUMER REPOR FILE..
Product: Checking or savings account

I went to bank of America and went to the atm as I missed them and they where closed I took XXXX out of my savings account and was charged XXXX for doing so this is my money not there's never said ok u can take my money I'm sooo XXXX it's not funny don't want to go down there and cause a scene cause I'll b arrested not sure what I can do I saved the soup slip i can't believe they are able to get away wt this my name is XXXX XXXX email address is XXXX XXXX help me!!!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Product: Student loan

Hello, I 'm contacting the CFPB because I 've been reading about the current lawsuits on Navient and whether or not it affects me in some way. 

I went to college around early XXXX and finished in XXXX. My first loans were three private loans ( or Signature Student loans ), which at the time all I knew was I did  n't need my parents to sign for them. At the start they added up to around {$20000.00}, and they are now about {$24000.00} due to past late payments and interest adding onto it. Any other loans I got after that were federal, which are now covered via IBR. 

Currently I am part of Naviant 's Rate Reduction program, but this was only given to me AFTER I was behind a few months worth of payments. They did n't tell me about this program until I was left with no other choose but to moved back in with my parents because I would n't afford rent and loan payments at the same time. When I asked why they did n't tell me about this before and saved me the headache and tears, all I got was 'some people in Navient just do n't want to do their job ', or something to that degree. This was in mid XXXX when I finally was able to start paying on those loans again ; {$190.00} every month. Before my payments were double that, not counting the interest. I believe Navient failed to inform me about this program, which lead to increase XXXX and XXXX. 

Before any of this, I had made payments to Navient in advance on my private loan, up to a year 's worth. This was back when Navient was known as XXXX XXXX. I do n't know what happened, but when XXXX XXXX become Navient, all the records on those advance payments I made were gone. I checked my account and I could n't find any records on them, which were there before the change. I called them ; they claimed there was nothing on their end. This is what caused me to move out of my apartment, back to my parents, and endure phone calls demanding money I did n't have for the next few months. That was when I was finally offered the Rate Reduction program. 

The more I thought about it, the more it felt like I 've been XXXX by Navient into paying even more on my private loans. I 'm also beginning to wonder if the nature of my private loans are even legit. I would love to have someone help me with this, if they could.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX Balance {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2023
Product: Money transfer, virtual currency, or money service

In XXXX and XXXX of 2024 I could not get zelle payments. When customers tired to send me payments they would not come through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account ( XXXX XXXX ) on my credit report that is listed as closed, although I am currently making payments. This account is open and payments are current.
Product: Checking or savings account

The complete story is provided below. On XX/XX/XXXX, the day I received my employment check, I went ahead and logged into my account to check my checking account to see the deposit. Moments after I checked the deposit, I realized that my checking account dropped from XXXX to XXXX dollars, and as I scrolled through, unauthorized charges began to appear on my Wells Fargo account. I immediately called the bank, and they advised me to file a claim with their fraud department. 

The fraud department began by asking me to identify the fraud charges, which I did, and then inquired about the IP address with which I logged into the bank account with. They discovered that my account was being accessed from locations far from my home, including some from other states. At this point, it was clear that my personal information had been compromised, and the charges were unauthorized. 

This data breach could have been caused by a phone trade-in I recently completed with XXXX When I called XXXX about a phone trade-in plan, I was told to erase my login password rather than the entire phone. I eventually sent my phone via XXXX with the tracking number XXXX. 

XXXX never received my phone, I was told a week later. However, when I inquired about it with XXXX, they informed me that it had been delivered. I filed a ticket with XXXX, but I never received a response. It was only a few days later that my account began to show unauthorized charges. 

After 10 business days, Wells Fargo informed me that they had closed the case and found it against me, which perplexed me because they couldn't explain the IP addresses that were constantly accessing my account from other states for many days during that timeframe. My account was always in good standing, and I am extremely disciplined with no criminal record. I'm hoping the department can assist, and I'm asking Wells Fargo to refund the unauthorized charges to which I'm entitled under federal law. 

I attached some evidence I have proving that the charges are truly unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Checking or savings account

I requested several times around XXXX and several other times including XXXX that my checking account be closed causing a negative balance with whatever they are doing to this account.The representatives keep transferring me to several departments for them to help me with no resolution. This is causing me so much XXXX XXXX XXXX XXXX XXXX. Please help, I want this checking account closed. I will not be responsible for any negative balances. Thank you
Product: Bank account or service

I enrolled in an HSA account with Fifth Third Bank with a previous employer and left that company with a balance on the account. The bank will not allow me to withdraw funds without paying a service fee to do so and have slowly been bleeding the account dry by applying monthly service charges on it.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Equifax agency XXXX XXXX agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX Account no. XXXX XXXX. XXXX XXXX XXXX : Account no. XXXX XXXX. XXXX  XXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX XXXX. XXXX XXXX XXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX : Account no. XXXX XXXX. XXXX : Account no. XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I disputed XXXX items with XXXX, they did great and took care of me. They were adequate and thorough. Although, XXXX and Equifax will not remove what XXXX removed. I will attach all documents involving my cases in XXXX. I attempted to call Equifax and XXXX but I need to buy I credit report first. I used my annual free credit report and called. They said it has already been disputed and those were the final results. I am asking you for help to remove my negative accounts when I am paid as agreed and to completely remove XXXX because of my separation agreement and final divorce decree naming XXXX ( ex husband ) the car, also stating he is solely responsible and has been since XXXX of 2013.
Product: Checking or savings account

Capital One Bank is having issues posting direct deposits to consumer checking accounts today Friday XX/XX/2019. This creates a massive inconvenience to the population that lives paycheck to paycheck depending on the immediate access to their hard earned payroll or social security direct deposits. In Capital Ones Account Disclosures, they state that electronic direct deposits will be available same business day. Unfortunately, as of XXXX est this has yet to occur. If the funds are not available same business day, Capital One should be held liable for any issues its customers incurred due to the breaking of their own Account Disclosures. The thing that is most troubling is the lack of communication between the bank and its clients that have instilled their trust of their money into this financial institution. As of XXXX est there has only been a vague automated message on their customer service line and a XXXX  post stating about pending issues, with no set time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this complaint after reaching out to the lenders to correct incorrect information on my credit reports. I also want to complain that these companies are not following the mandates as set by the Cares Act for fair reporting. The accounts in question are with XXXX XXXX, XXXX ( XXXX ), and XXXX XXXX XXXX. These accounts have inaccurate information across all 3 major credit bureaus. Ive sent letters to the bureaus to dispute these inaccuracies as my right to do so as stated in 15 U.S.C section 1681 i ( a ). In addition, these accounts fell delinquent in 2020 during the COVID pandemic. Accommodations and communications were made with each of these lenders. All accounts are now paid as agreed but past delinquencies are still reported on my consumer reporting. It is my understanding that according to Cares Act, if accommodations have been made and accounts are current. All delinquencies from XX/XX/2020 should be reported as current. My resolution is that all these delinquencies be removed from these accounts that fit this criteria. 

The file attached comes from the XXXX website about credit Reporting under the Cares Act
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agency named XXXX is reporting that I have an outstanding balance owed to XXXX XXXX XXXX for {$2000.00}. This is completely wrong. I have disputed this balance with the three credit bureaus multiple times, but they continue to report an incorrect balance. I am attaching my final settlement sheet from XXXX XXXX XXXX, from when I moved out, and my balance was only {$470.00}. So either the apartment community or the collection agency is trying to extort money from me that is not owed.
Product: Debt collection

Identity Theft. I have not supplied under doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.
Product: Credit card

I am writing to file a complaint against JPMorgan Chase Bank regarding a chargeback dispute and the significant delays in my refund process, which have caused additional financial burden in the form of interest charges. 
In XX/XX/XXXX, I initiated a chargeback for a transaction with XXXX. The merchant assured me they would issue a refund if I canceled the chargeback. Based on this promise, I canceled the chargeback on XX/XX/XXXX, while it was still in process with XXXX. However, XXXX accepted the chargeback on XX/XX/XXXX, and since I had canceled it before the outcome, Chase sent the funds back to the merchant 's bank on XX/XX/XXXX. 
Unfortunately, the refund got stuck in the merchant 's bank and was not processed to XXXXXXXX XXXX account. XXXX could not locate the refund and repeatedly told me to reach out to my bank, claiming they lost the dispute. However, my bank confirmed that the funds were returned to the merchants bank, as I had canceled the chargeback before the final outcome. 
In an attempt to resolve this, I requested assistance from Chase. Initially, Chase declined to provide further help. When further complications arose, I raised the issue with the XXXX XXXX XXXX XXXX XXXX XXXX, and on XX/XX/XXXX, Chase provided a custom letter confirming that the funds had been transferred to the merchant 's bank on XX/XX/XXXX and again on XX/XX/XXXX, Chase issued another letter confirming the transfer. 
With this documentation, I was able to reach out to XXXX, and their finance team successfully contacted the merchant bank to confirm that the refund could finally be processed. However, the delay caused by both the merchant and Chase led to a significant amount of interest being accrued. 
As a result of this prolonged process, I have incurred interest charges of {$550.00} on the amount of {$3900.00} at an APR XXXX XXXX XXXX XXXX XXXX XXXX XXXX to today. This delay in processing the refund and the associated interest charges have caused unnecessary financial strain, and I believe the chase bank also shares some responsibility for the delay. 
I respectfully request that the CFPB investigate this matter and assist in addressing the unfair interest charges Ive incurred due to the delay in resolving this refund. 
Thank you for your time and attention to this matter. I look forward to your prompt response.