23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

On XXXX/XXXX/2016, at Navy Federal Credit Union ( NFCU ) 's branch located at XXXX XXXX XXXX, XXXX, VA XXXX, I submitted a request for XXXX bank wire transfer to a bank account in XXXX. I was told that it will take XXXX7 business day. It 's advertised on their website https : //www.navyfederal.orgXXXX. I 've been calling NFCU since XXXX/XXXX/2016 and I was being jerked around by them since then. On XXXX phone call dated XXXX/XXXX/2016, I was told by the representative that it 'll take XXXX8 business days. I told her it 's not true and requested to speak to her supervisorXXXX. He told me it 'll take XXXX4weeks. I replied that it 's ridiculous and they 're jerking me around. He promised to get back to me on the XXXX/XXXX/2016, XXXX that he will give me a call to update the status. He never called. Another XXXX XXXX called and claimed he was assigned to this case. NFCU is unable to locate the where about of my monies and claimed that they only let XXXX XXXX to handle the transactions. There 's no way to find out the status of the transfer, except to wait for their reply. I have n't heard from them this morning. I 'm upset with the entire incident as to how can a Credit Union 's only reply to their members on this incident as they had no idea where the monies are. I really hope the Bureau is able to assist me on this incident. Thanks for your time to read my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws have been broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I have not been able to get a job, i have not been able to get approved for credit. I have not even been able to get approved for a XXXX loan in these hard times during this pandemic.
Product: Credit card or prepaid card

During a routine review of my credit report, I found an account that I do not recognize. This account is being reported as a collection account and is updated every month, even though it is marked as closed. The name associated with this account is not mine, my legal name is XXXX XXXX XXXX. I have no recollection of ever opening or authorizing this account, and I have not received any communication or documentation about it. I am concerned about the impact this account is having on my credit report and score, especially since it is being reported as a collection account on a monthly basis. I have disputed this with the consumer reporting agency, and they are required to conduct a reinvestigation according to the Fair Credit Reporting Act ( FCRA ). If the information is found to be inaccurate or incomplete or can not be verified, the agency should promptly delete or modify that item of information from my file. I am eager to resolve this issue and ensure the accuracy of my credit report.
Product: Bank account or service

THIS COMPLAINT IS ABOUT VERIFYING THE PAYEE OF CHECK CHASE BANK PAID OUT. Chase Bank is being very evasive. We have already discussed the issue of whose name was written on the front of the check. THAT IS ALREADY A MOOT POINT. Chase keeps AVOIDING THE MAIN ISSUE WHICH IS WHO CASHED THE CHECK. After several months, and complaints, they now say it was cashed at XXXX and not at Chase Bank. There are XXXX XXXX, and XXXX accounts. How does Chase Bank which has a fiduciary duty to its customers, expect them to resolve these types of fraudulent issues, if they do n't verify payees. If the person took the check to XXXX, where is the XXXX account number on the check. How does Chase know it was XXXX? What is the address of the bank? How was the person verified? Stop blaming the customer for your failure to VERIFY THE PAYEE. Please provide FULL INFORMATION about who cashed the check. How does Chase know that the person whose name on the front is the signer on the back. Chase has NO VERIFICATION of who cashed the check! If people can take Chase checks to any bank without being verified, they Chase is contributing to negligence and fraud. Chase is taking the position that they do not care who cashed their customers ' check by not verifying payee. In other words, it does n't matter who the check is payable to, Chase Bank does not have a way of VERIFYING who cashed the check. If someone walked into Chase Bank with a XXXX check, does Chase check ID or verify the person or do they let anyone cash a check? Chase needs to provide PROOF of person who cashed the check, and credit my funds for {$2800.00} if you ca n't do so. It is evident that they have not even contacted XXXX, to inform them of the fraud.
Product: Consumer Loan

This is a complaint towards XXXX and XXXX XXXX XXXX. She visited my workplace to inform me that she needed my information for reference and to use my checking account to deduct the first payment since my brother who was requesting the car loan did not have one. The rest was going to be paid by him. I asked various times if this was going to impact my credit and she said NO. I informed her that my credit CAN NOT BE USED for the car loan and she repeated that it was not going to be touched. When I went to get a loan to fix my house I noticed that my credit was impacted and I called her and also spoke with her supervisor XXXX XXXX and they told me it was too late and that they could not help me. They used me to help close a car loan without informing me correctly and I did not authorize it.
Product: Student loan

The principal balance was {$38000.00} and {$9000.00} in unpaid interest prior to filing bankruptcy, Then when I filed bankruptcy they capitalized the {$9000.00} in interest to the {$38000.00} loan and increase the principal balance to {$47000.00} and now interest is accruing on {$47000.00}. Because I filed bankruptcy, I now owe {$51000.00} due to {$3600.00} in new interest, had the principle balance stayed at {$38000.00} then I would only have been charged {$2900.00} in interest ; therefore, I now have to pay {$690.00} more in interest to date than if the student loans were not capitalized. How is this evil tactic legal? Fed Loan Servicing is kicking me at my worst and is an EVIL company for doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously identified this XXXX account as identity theft and submitted the necessary documentation for it to be removed according to 15 U.S. Code section 1681c-2. Today I received a piece of mail from the company without my consent to obtain mail at this address and they do not even have the address correct. This is a further violation of my rights to privacy as a consumer.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Euifax credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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

I have tried 3 times to get this issues fixed with Experian each time they reply with the information being verified and investigated when it hasn't been. I have contacted the collection agency ( XXXX XXXX ) that is being reported to my credit. I asked for a debt validation they couldn't provide it and have stopped all collection activities so I asked for it to be removed from my credit. Yet Experian keep saying it valid when it isn't the company cant even prove the debt is mine.
Product: Debt collection

This compan y, Transworld Systems Inc. keep s calling and leaving messages that we ( they do not specify who they are calling for ) have an outstanding debt that they are calling to collect. They do not say who, where, what amount. We have no outstanding debt. I do not know what this is about and do believe if I call them to " resolve '' the problem I will get anywhere.
Product: Credit card or prepaid card

In XX/XX/XXXX I received an attractive offer for a Chase XXXX XXXX credit card ( please see the first page of the attachment ). I applied for the card, but Chase rejected my application. The rejection letter, dated XX/XX/XXXX stated Too many credit cards opened in the last two years associated with you ( please see the second page of the attachment ). On XX/XX/XXXX, I wrote CHASE and asked two straightforward questions ( please see the third page of the attachment ) : -WHAT IS, BY CHASE REGULATIONS, THE ALLOWED NUMBER OF CREDIT CARD ACCOUNTS THAT I CAN OPEN IN TOO YEARS? 
-WHAT IS, ACCORDING TO YOUR INFORMATION, THE NUMBER OF CREDIT CARD ACCOUNTS OPENED BY ME IN THE LAST TWO YEARS? 
I need this information to know when I can apply for another card, and check the data used by CHASE to make the rejection decision. CHASE failed to answer my questions and rejected again my application ( please see page four of the attachment ). 
In the rejection letter CHASE also stated information from XXXX was used. I contacted XXXX   and found out the following : The credit score range is 300 850. My credit score is excellent, XXXX! Also, I always paid my credit cards and mortgage on time. 
In addition, I have a CHASE Freedom credit card, since XX/XX/XXXX. CHASE sent me numerous other offers, for loans, and bank accounts. CHASE even asked me to advertise their credit cards to friends ( I did that, and received some extra points for an approved account ). 
Please note, in XX/XX/XXXX CHASE rejected my application for a XXXX XXXX credit card under the same pretext. As a consequence, I believe there is a clear pattern, CHASE declines applications because it does not want to honor the bonuses. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX
Product: Credit card

There are unauthorized charges on my credit card statement that needs to be disputed. I contacted Navy Federal almost 2 weeks ago and never got a reply back. Im having a very hard time trying to understand this. I have a XXXX  XXXX so things is not clear to me and Navy Federal is not trying to reach out to help me with this.
Product: Credit card

My identity was stolen after my purse was stolen from my car. 
these are the inquiries that I do not recognize. 

jpmcb card XX/XX/XXXX jpmcb card services XX/XX/XXXX jpmcb card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX jpmcb card XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX jpmcb card XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been writing to Transunion as I have called them from some accounts on my credit that are not mine. I do not receive letters from Transunion about what happened and the accounts are still on credit and are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am beyond frustrated with the poor handling of fraudulent charges wrongly attributed to my Discover Card account. Despite submitting an official police report, FTC Identity Theft report, and contacting the fraud department multiple times, XXXX have failed to adequately investigate or validate {$310.00} in charges made without my authorization on my Discover Card. As a result, the balance is incorrect and is being reported incorrectly. 

Not only have Discover reported inaccurate, unverified information to XXXX, harming my creditworthiness, but XXXX continues suppressing this issue when I have provided substantial evidence of criminal financial fraud requiring their urgent attention. 

The simplistic rationale that I must have made the charges since past bills were paid ignores today 's rampant identity theft risks. Over 92 % more Americans fell victim to account takeover fraud amidst the pandemic when many, like myself, faced personal trauma, job loss, and overwhelming instability taking focus away from finances. With my social security number, passwords, and other information compromised in various data breaches, it is entirely plausible my account was hacked by fraudsters. 

I am officially demanding complete statements itemizing all account charges and expect XXXX and Discover to provide concrete verification like IP addresses, geolocation history, or other transaction metadata before falsely claiming charges as my own ever again. The reinstatement of unverified, disputed charges to my credit reports violates federal law. 

I have already suffered serious financial and emotional harm due to XXXX 's mishandling and urge this final good-faith attempt at resolution before pursuing legal action over irresponsible business practices. I believe that XXXX is in cahoots with Discover to keep this negative file on my report without providing adequate evidence that i made these charges. Please confirm receipt and provide next steps for thoroughly reassessing all unauthorized transactions. XXXX also refuses to block the fraudalent and inaccurately reported account from my report! This is a blatant violation of my rights. The specific provision in the FCRA that addresses my situation is found in Section 605A. This section outlines the procedures for blocking information resulting from identity theft. According to the FCRA, credit reporting agencies must block the information within four business days of receiving an identity theft report, which may include a police report. XXXX refuses to honor this right!!!
Product: Debt collection

Debt Recovery Solutions is attempting to collect on a alleged debt for their client : XXXX XXXX XXXX in the amount of : {$1000.00}. I have no knowledge of this account. 

Derogatory and invalid information was placed on my credit report without due process to include : notification of this debt in writing, and allowing my right to dispute this matter pursuant to the FAIR CREDIT REPORTING ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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

Transunion, XXXX, and the other agencies are permitted and paid to report information that they do not insure is timely or correct. They allow 30 days to correct information, yet if a consumer spent 30 days deciding whether or not t pay a bill, it would give these companies the power to destroy their credit. So logically, since it takes so long for them to correct incorrect information, they themselves are unreliable and have poor credit. The whole system is madness. If I am required to pay a bill within a week of its due date, they should be updating weekly AT LEAST!!!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Meridian Financial Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Dear CFPB I am writing to formally dispute the collection account associated with my name, referenced by XXXX XXXX XXXX which has been reported to my credit file. I believe this account is inaccurate and request its removal based on several consumer protection laws. 
The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Collection agency is violating my consumer rights by using false misleading misrepresentation and deceptive means Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures acquired by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) 1. **Fair Debt Collection Practices Act ( FDCPA ) ** : Under this law, I have the right to dispute any debt that I believe is not valid. I request that you provide documentation verifying the legitimacy of this debt, including the name of the original creditor and the total amount claimed. 

2. **Fair Credit Reporting Act ( FCRA ) ** : This law mandates that all information reported to credit bureaus must be accurate and verifiable. If you can not furnish the requested validation, I ask that you remove this account from my credit report to ensure compliance with the FCRA.

3. **Truth in Lending Act ( TILA ) ** : Under TILA, I am entitled to clear and accurate information regarding any credit obligations. If this account lacks proper disclosure of terms and conditions, it can not be deemed valid. 

4. **Consumer Credit Protection Act ( CCPA ) ** : This law serves to protect consumers from unfair lending practices. If this debt was acquired through deceptive or misleading means, I request its immediate removal from your records and my credit report.

5. I am requesting that they furnish proof that they are licensed and bonded.

6. I am revoking all rights of them communicating with me through email, texts and calls. 

Please send the requested documentation to my address listed above within 30 days. If you are unable to substantiate the validity of this debt, I urge you to cease all collection activities and ensure that this account is removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) without any notice or warning reported to the credit bureau that I owe a balance of {$150.00}. First Credit Services ( XXXX ) is the collection company they reported the debt to, which when I called could not pull up my file or give me any information. 

When I went to XXXX I showed them documentation that I paid a continuous membership fee ( using my credit card statements ) until XXXX XXXX at which time the contract was already a year old and could cancel with no fees ( I have their policy ). The debt was reported in XXXX XXXX which makes no sense in the middle of a service contract. 

I was told by XXXX XXXX it is a problem with their billing and they can not do anything to help me. This is unacceptable and they could not explain why I was even charged. I need help in order to resolve this. I need to get this debt taken off my credit report and I need it to disappear due to the fact I do not owe it and have the documentation to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found recently out a few weeks ago and today that I am a victim of Equifax data breach in XXXX and that I had until XX/XX/XXXX to opt out of the Equifax Data Breach Class action suit which would allow me to seek a civil lawsuit against EqFx in the future for any adverse effects I suffer in the future as a result of the data breach. This is not fair since, I did not get properly notified in XXXX since in XXXX I was preoccupied with NYS accussing me of back taxes I owed them. Then in XX/XX/XXXX, I discovered that XXXX has violated my right to equal protection under the law as an adult victim of child abuse neglect and maltreatment nonsexual child victimization through it's XX/XX/XXXX Child Victims Act exclusive protections for XXXXXXXX XXXX XXXX XXXXictimization only. At these XXXX times, I never received any notice in the mail concerning any data breach in XXXX nor any deadlines to opt out by XX/XX/XXXX. So I wish to make a complaint to the CFPB about this since I am experiencing XXXX eqfx data breach adverse events while trying to utilize eqfx services per my credit report file with eqfx and eqfx id questions are not questions i am familiar with due to the corruptive nature of it's data breach and misinformation which eqfx is relying upon to verify my id whether over the phone or it's website in order for eqfx to provide me credit services which is normally free for all us citizens. So now, eqfx gets to double victimize me both in the data breach which eqfx didn't protect me from being victimized from and now after the fact, eqfx refuses to let me opt out of the class action suit by failing to properly notify me of the opt out deadline so I can choose to opt out and bring a legal suit against eqfx to help deal with future losses I will face in credit discrimination as a result of the XXXX eqfx data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires that i have discovered on my report. I sent a letter on XX/XX/23 about this dispute and nothing was corrected. I disputed these inquiries with Experian because they were never authorized by me and there is no proof that I authorized these inquires. Experian was unable to verify. This is a violation. My credit report is supposed to be reporting with 100 % maximum accuracy. I demand these inquires be reinvestigated and removed from my report. I am very disappointed in Experian 's service. We are supposed to trust them to do their job correctly. I have attached all the inquiries and necessary documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not exactly sure what kind of account was opened but I have never opened an account with USAA. My husband died from XXXX XXXX afflicted XXXX since XXXX  and he would have been the only one to open up a XXXX account. I also had a XXXX XXXX Account opened that XXXX XXXX has investigated and found that it was identity theft. I did not open an account at USAA or XXXX XXXX. since my husband died in XXXX, I have only had 1 regular bank ( XXXX XXXX XXXXXXXX ) and 1 business bank but never any XXXX XXXX.
Product: Checking or savings account

Chase closed my Private Client Checking account ending in XXXX in or around XX/XX/2020. Unfortunately, the remaining funds in the closed deposit accounts had never been returned after multiple attempts ( including calls and in-branch visits ) for recovery. I am requesting the immediate return of those funds to avoid further action. I am also considering pursuing the interest owed and other fees/compensation should this issue not be resolved timely.