23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have asked Equifax to help me get stuff off of my credit. I have called them multiple times. I have a police report. This happened back in XXXX. I had to file a report for identity theft I have asked Equifax to take the inquiries Off of my account from XXXX to XX/XX/XXXX I have asked the Remove names they have been on my account that are not mine as XXXX XXXX XXXX I have asked them to remove addresses that I have no acknowledgment about and they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. I have asked them to remove XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Nevada I have asked them to remove Jobs that I never worked at like XXXX XXXX. I have asked them to take the close accounts off XXXX XXXX XXXX. I have asked Them to remove XXXX XXXX or closed accounts I have also asked them to take the collections off my account because I have no acknowledgment about them the XXXX XXXX XXXX XXXX and I have asked them to take XXXX XXXX off. I have no acknowledgment about them, this is all fraud and Im asking for some help because I am a victim of identity theft
Product: Money transfer, virtual currency, or money service

In early XX/XX/XXXX, I mailed a check to my therapist for {$150.00}. On XX/XX/XXXX, my online bank account showed that this check had been cashed by a person I don't know for {$10000.00}. I worked with my bank to complete all of the paperwork needed to submit a fraudulent check claim. I filed a police report with XXXX XXXX 's police department, and filed a report with the US Postal Service as well. 

I call into my bank periodically to check on the status of my claim. I'm always told that the process can take a long time and that they can't tell me when it will be resolved. I feel frustrated and powerless. Especially since it is now XX/XX/XXXX and I still haven't been refunded for this fraudulent check.
Product: Debt collection

I received a debt collection notice in the mail from Southwest Credit for a XXXX account with a balance of XXXX After contacting XXXX I discovered that a fraudulent account was opened in my name using my social security number. 
The account was opened XX/XX/2021 and closed XX/XX/2021. 
I have since filed a fraud report with XXXX, frozen my credit and reported a fraud alert with all three credit bureaus.
Product: Checking or savings account

I have never signed or agreed for this bank to cover my over draft fees but they continue to do so on their own and charge me large amount of over draft fees.I do not want them to cover any over draft fees or recurring fees if there are no funds in the account I want them to stop that immediately and I want to OPT out immediately for any overdraft fees being covered.
Product: Vehicle loan or lease

On XX/XX/XXXX TD Auto finance ran my credit with out my authorization and it hit my credit score hard. I have reached out to TD Auto finance by mail about this issue twice and there was no responses from TD Auto Finance I mailed out dispute letters on XX/XX/XXXX and XX/XX/XXXX. The phone number that is reported on the credit report for this company is disconnected. I had to XXXX the company number and reach out to them and left several voicemail and no one contacted me back about this matter. I have giving them plenty of time to get this issue resolved. And I just want to have this inquiry taken off my credit report.
Product: Vehicle loan or lease

Predatory loan from Santander Consumer in 2013. Car repossessed and sold. Charged unreasonable amount of fees. Sold debt to XXXX XXXX and they are demanding a deficiency payment. Paid a lot of money for this car more and more fees added to the loan from the very first payment. They added fees and never brought down the amount payed. Shady salesman lied from the start. Then tried to bring me a different car than the car I bought. Dealers lied and i had the car for a week and never was approved for the loan. It only continued to get worse. Car continued to have issues w/ transmission overheating. When I take it to the dealership they said I owed {$150.00} for service and I was low on transmission fluid but I can not check fluids til reached XXXX miles. Did not honor warrenty. Refused to fix issues. Car over heating and stalled and was stranded all the time. XXXX XXXX XXXX. On the internet I found tons of other owners having the same issues with their XXXX. Everything about this from the purchase, loan, and running was a problem. Santanders did not follow the law and now I am being sued.
Product: Credit card or prepaid card

On XX/XX/XXXX after XXXX my chime account was hacked and i immediately called chime i was furious XXXX was stolen chime told me that i needed to wait 7 to 10 business days for it to finish pending. Once finished i disputed the transaction and still chime did nothing but blame it on me and provided a unsatisfactory report of their findings accused me of being a frequent XXXX XXXX user and a multiple disputer which doesnt matter chime has had errors with me in the past and yet i stuck with them it has put me and my children in a very financial hardship. I also contacted XXXX XXXX and they explained how it happened chime wont take responsibility for this and i need my money back.
Product: Credit card or prepaid card

On XX/XX/2019 I called barclaycard to open a line of credit. My intentions with this line of credit was to transfer an existing Barclay balance onto this new card with a 0 % APR. I was very specific about my intentions and verbally stated them multiple times to multiple agents on the phone. Upon hearing my request the agent offered to open me a card. I told her I would only open the account with the pre mentioned stipulation ( the balance transfer ) as a guarantee. It was at this time the agent fraudulently opened the card in my name. Only after my credit was pulled and everything was finalized was I told Barclay does not even consider transferring balances from an existing barclaycard to a new one. They knew this as fact, and in a predatory manner, manipulated me into opening this account anyway. I immediately demanded a supervisor review the recorded phone call of my application and reverse all actions made. I was told the call would be immediately reviewed and I would be contacted back within 24 to 48 hours. After waiting an entire week to hear back from some sort of supervisor within their company, I was finally contacted and notified that they do not listen to recorded phone calls of applications, nor would they be able to do anything about the fraudulent account being opened. This is a predatory and manipulative process that they are putting people through. I can't see how it is legally possible for them to continue to do business the way that they are.
Product: Credit card or prepaid card

As I stated in my last complaint XX/XX/XXXX. Paying my capital one quicksilver bill is a nightmare. My card gets put on hold or my money gets put on hold for weeks EVEN though I am paying the bill early and from the capital one 360 checking app. Today XX/XX/XXXX, I spoke to a supervisor of capital one who informed me that I would not have use of my balance for another 26 days. Even though I paid my bills before due dates. She informed me that this was some for my safety. XXXX! Capital ones system is trash. Why is my account being targeted??? I have reached out to a lawyer to figure out what can be done to stop this HARASSMENT, because that is what it feels like!!!!! Every two or three months my account is put on hold for no reason! Every two to three months I have to waste MY TIME to call this XXXX  BANK to have them release MY MONEY!!! I am sick of it.
Product: Credit card or prepaid card

Someone opened up a JPMorganChase Card in my name and obtained a credit line of {$5700.00} on XX/XX/2022. I contacted Chase and they told me they would close the account, and I would not be responsible for any charges made on the card. I thought that the matter was closed until I went this week to apply for a car loan and found that my credit score was in the XXXX due to this account now on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX  # XXXXXXXX XXXX XXXX  and Account # 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
Product: Credit reporting or other personal consumer reports

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. 

Per 16 CFR 313.7 ( f ) ( f ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. 

I have opted out but they are continuing to report my private nonpublic information against their terms and conditions by supplying it to non-affiliated third parties, not supplying me with the required opt-out documentation, and committing Identity theft by using my copyrighted name. 

16 CFR 313.1 Authority:15 U.S.C. 6801 313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Also, a charge-off is a " certificate of indebtedness '' and is now being reported as " INCOME '' which is " NOT ALLOWED '' to be reported on my credit report
Product: Money transfer, virtual currency, or money service

Subject : Urgent Assistance Needed : Account Restrictions and Fund Access Issues with Chase Bank Dear Consumer Financial Protection Bureau, I am writing to seek your urgent assistance regarding my account with Chase Bank, which has been restricted following a deposit of {$55000.00} on XX/XX/year>. On XX/XX/XXXX, I received an email stating that my account may be closed to protect against fraud. This is particularly concerning as I have previously made similar deposits from the same owner {$37000.00} two weeks ago and {$25000.00} a couple of months priorboth of which cleared without issues. 

Chases fraud department informed me that the restriction is due to their inability to verify the owner 's phone number through the XXXX program. Despite both the owner and I visiting the local branch and providing proof of identity, Chase has stated they can not help further ; the issue must go through XXXX. 

Currently, I have {$16000.00} in the account, which I am unable to access. This restriction is severely impacting my ability to purchase materials and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Without these funds, XXXX XXXX and I face significant financial hardship. 

I have read about similar experiences others have had with Chase, leading me to believe this may be a systemic issue. I fear that if my account is closed, I may never see these funds again. 

I appreciate your attention to this matter and hope for your guidance on how to resolve this issue promptly. 

Thank you for your time. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported with XXXX and alleged to be XXXX  Alleged is reported in deficiency of reporting mandates and or protocols therefore the obfuscation must be eradicated as is my licitly requested resolution, please do so HERE AND NOW! This claim has indicated ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : XXXX XXXX reported with XXXX and alleged to be XXXX  Alleged is reported in deficiency of reporting mandates and or standards therefore the sophism must be eradicated as is m y legally requested resolution, please do so HERE AND NOW! This claim has acclaimed ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported :
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking for the company to validate, not verify the account they are reporting on my credit report. I mailed this letter on XX/XX/XXXX with cerified mail and return receipt. I never recieved my receipt, the post office claimed it could have fallen off in transit. They were able to get me the necessary documentation from the return receipt. I have a printed copy of the name and signature of the individual who signed for the letter. It was recieved on XX/XX/2019. The 30 day mark was on XX/XX/2019. I have not received a response from the company nor have I received any indication that they were working to validate this was truly my debt.
Product: Student loan

I received a phone call from Navient, claiming that I have a student loan with them, which I don't. I have never had any account with Navient. The woman referred to Sallie Mae and said that they got my information from Sallie Mae. I had a private loan with Sallie Mae from about XXXX, which was written off sometime in about XXXX when my cosigner filed for bankruptcy. I did not hear anything from Sallie Mae about that loan or account after that. I checked my spam folder in my email and the first communication I have had from Navient claiming they hold my student loan was in XXXX, XXXX I dispute that I have any indebtedness to Navient, especially following their settlement with the various state Attorneys General in XX/XX/2022. I do not know if Navient has or will report this to my credit. The woman I spoke with, upon hearing that I dispute this debt said that collection efforts will continue.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to the delayed posting of charges and credits, I was unfairly charged overdraft fees. The issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances- despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX to provide them with 30 days written lease termination notice because I was being called to XXXX XXXX in excess of 90 days, as protected under the Uniformed Services Employment and Reemployment Rights Act ( USERRA ) as was outlined/suggested by my Unit. My lease was already going to expire on XX/XX/XXXX and I was establishing an effective termination date of XX/XX/XXXX. 

On XX/XX/XXXX, a representative for XXXX XXXX contacted me and said they were 'unable to release you from your lease without penalties '. I promptly responded requesting an explanation of what about the paperwork I had provided was unacceptable and for a copy of my lease agreement. On XX/XX/XXXX, the representative finally responded again saying that they had reviewed with their legal team and that their understanding was that USERRA did not provide these protections for service members ( which is definitely untrue ). Additionally, I was never provided a copy of my lease agreement. 

National Credit Systems , Inc. would later start pursuing me for {$4000.00} in XXXX of XXXX. This is outlined as a combination of my balance at move-out along with an insufficient notice and lease termination fee. 

I notified National Credit Systems in the Fall of XXXX that this debt was invalid and requested additional evidence that they believed this debt to be mine. They sent me a partial copy of the lease agreement on and tried to substantiate that the debt was valid. 

I sent them a letter in XX/XX/XXXX wherein I attached my original 30 day notice, all email communications between myself and the XXXX XXXX representative, and my military orders from XXXX. In my letter I also reinforced the specific code that applies in this situation is Section XXXX of the SCRA, 50 U.S.C. National Credit Systems then sent me a response on XX/XX/XXXX claiming that they felt this was insufficient evidence to validate my dispute. 

Feeling that what I sent must have been overlooked, I resent the previous evidence with a new letter on XX/XX/XXXX, providing additional context around what was previously provided. National Credit Systems sent me a response on XX/XX/XXXX echoing that I still have not provided sufficient evidence to validate my dispute. 

My issue at this point is that this debt is not valid but still appears on my credit report with the remark : 'Completed investigation of FCRA dispute-consumer disagreed '. This has been most recently updated as of XX/XX/XXXX. This collection should be closed, as it is clearly invalid, and promptly removed from my credit report.
Product: Debt collection

I've Contact XXXX tried to explain to them that I did not have an account with them, That this account must have came from Identity Theft, their response you have to deal with the collection agency.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Invalid and incorrect addresses listed on credit report. Listed below are the following addresses that should be remove from credit report. 

XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
Product: Debt collection

I have received no communications on this debt. by phone or by mail. I can not even confirm what the debt is for.
Product: Debt collection

I've had Navient as my Student Loan Provider for almost a decade now. I've done a good job of making payments up until recently. I've been out of work and despite explaining this to Navient that continue to call and harass my phone and the home phone line. I'm getting over a dozen calls a day. Every time I speak to Navient they tell me they will note my account but I'm IMMEDIATELY called on my home phone after we get off the call. Despite speaking with them they continue to call every single day. It has become a drain on my mental health and is affecting the relationship with my parents because of the harassing phone calls. 

These calls are also being sent with some form of Auto-Dialer. You can tell because there is a pause on the line before someone starts speaking. They wait for you to answer before a live person is put on.
Product: Debt collection

I may have received calls earlier than this but I 'll start when I first made a note. 

On XXXX/XXXX/XXXX at XXXX PM I received a call on my cell from the number : XXXX but no message was left. I called the number back at XXXX and someone from First Financial Asset Management answered the phone. I asked them what they wanted and they stated that they were looking for someone other than myself, this is my personal cell phone and I 've had this number for over ten years. The person on the other line apologized and I stated that I would like to be removed from any further phone calls and that the person they are looking for has no relation to this phone number. They stated they would honor my request I would n't receive anymore calls. 

On XXXX/XXXX/XXXX at XXXX I received a phone call again from the same phone number : XXXX belonging to First Financial Asset Management . No message was left and I did n't have time to return the call. 

On XXXX/XXXX/XXXX at XXXX I received a phone call again from : XXXX belonging to First Financial Asset Management and called them back XXXX. Again, I asked who they were looking for and again they stated someone other than myself. I asked to speak to a supervisor/manager. I was transferred to another person and I stated again that they have the wrong person/number and that I even called to tell them this on XXXX/XXXX/XXXX. The person at First Financial Asset Management admitted that they showed in their system that I did call and did state this but somehow my number kept being added back to thier robodialer. I demanded that I be removed from their system permanently and to never call me again. The person at First Financial Asset Management stated that they would have my infomation sent to their IT dept who would scrub my information from their system. 

On XXXX/XXXX/XXXX at XXXX I received a call from : XXXX which belongs to First Financial Asset Management , this is even after I specifically told them twice that they have the wrong and demanded to be taken off their calls list and a note made about my phone number.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I kept getting calls from these 3rd party, morning, noon and night. XXXX, I just started a new job, I have not yet settled to pay back the loans. I was already in a hardship with sick parents, but the student loan 3rd party whoever they are, decided to garnish my wages, which they threaten me, calling my job and my family non stop. It was harrassment. And then XXXX, my federal refund was taken from me. I have nothing to help my family because of this. I hate you people for it. This is my official complaint.