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

On numerous and multiple on multiple occasions upon numerous occasions, I requested that a company not charge my account more than one time with XXXX XXXX, XX/XX/XXXX, and my checking line of credit. In multiple dates withXX/XX/XXXX, when funds werent available, I contacted Navy Federal concerning XX/XX/XXXX, XXXX XXXX to not authorize them not to charge my account more than one time because I knew my funds would be low. On more than 20 occasions, Navy Federal disregarded my concerns and requests for them to block XXXX XXXX and XXXX XXXX from trying to take funds out of my account more than one time. They allowed them to charge my account in more than 10 occasions where my account was negative {$85.00} to {$120.00} in RETURNED CHECK FEES. This has happened well over 20 to 30 times. I would owe Navy Federal in returned check fees even though I previously talked with them to not allow other institutions to take from my account specifically because I didnt have the funds in their and I informed Navy Federal about it, but they disregarded and I was charged in more than 30 occasions. Which dug me more into a whole being that Im the only one working in my household. The returned check fees alone caused me to be late on my rent payments a few times because my account was negative by so much every month because Navy Dederal allowed other financial institutions to continually take from my account when the funds werent there. On top of that, I had to pay all the returned check fees, which arent cheap. They hurt my credit score a lot because of this. This was a huge problem for me in dealing with Navy Federal to listen to my companies and concerns because of returned check fees.
Product: Debt collection

Hello, I spoke with a lady on XX/XX/XXXX to pay my account in full. Upon completion of payment I asked when this item would be deleted off my credit report and she stated within 30-45 days because she would submit it today and that they report to credit reports at the beginning of the months.
Product: Credit reporting or other personal consumer reports

Made numerous and futile attempts to obtain my credit report and history from Equifax either directly ( phone/site ) and the annual report site XXXX XXXX XXXX and every time I got an error message or was told that my history does not exist. The latest message was on XX/XX/year>, We've experienced an issue processing your request We're sorry, we are unable to process your request at this time. Please call our Customer Care team at XXXXEQUIFAX Mon-Fri XXXX ET and Sat-Sun XXXX ET. Meanwhile I obtained my reports for the other two agencies XXXX and XXXX without problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under Equifax XXXX XXXX, but reappeared and is reporting negative again under the same credit bureaus. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down due to this as well. I am a victim of the XXXXXXXX XXXX  scam. We were defrauded & lied to. This is the biggest scam I encountered. Furthermore, they've violated my consumer rights ; specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual XXXX XXXX XXXX damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maintenance maliciously placed a {$5200.00} amount on my personal credit report with TransUnion. They have NO supporting documents or any evidence or me owing the debt.
Product: Checking or savings account

On XX/XX/XXXX I received my son 's XXXX deposit into my Chime account his deposits has been going to this account for over a year, on XX/XX/XXXX I tried using my card to make a purchase it kept declining so I tried logging in to my Chime account and I kept getting error message that the account was locked, so I contacted customer service and was told the account was locked do to suspicious Activity and that I would need send in documents to prove my identity so sent what was requested I received a email that someone would reach out to me with in 4hours didn't hear from anyone so I called them back and explained to them that my son needs medication which he's out and that it was important that I Access the money I was then told that someone would contact me with in 24hours and that my account was now closed because my SSN doesn't match what IRS has listed and that I need to fill out a w-9 form and send it I did that and pretty much keep getting the run around one agent says that the documents has been received and then the review team is telling me that they haven't been received I have sent in these same document over 10 times and still it's XX/XX/XXXX and I Still can't access my son 's money and I don't have a way to pay any of my bills and XXXX is pretty much saying that it's nothing they can do to help me if they don't release the money
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am reaching out for additional assistance as this false reporting is ruining my reputation and life. I have reached out to have this account removed from my credit account as this is not my account however the action item is still listed. 
I placed NUMEROUS PHONE CALLS & disputed this with the credit bureaus and to no avail has anything changed ( see attachment below ) During the time that this account was opened ( XX/XX/2022 ) FRAUDULENTLY with XXXX XXXX  who then sold this account to XXXX AND AXXXX 

I was undergoing treatment with a XXXX  during this time ( which I have attached ) due to a bad car accident ( police report also attached ) where I was unable to complete basic tasks let alone work out at a gym!! 

I am a law abiding hard working citizen looking to purchase a home and can not because of the way I am being discredited. I have a great relationship with creditors that I have AUTHORIZED accounts with. 

My information has been stolen before in my younger age and I have been having issues with fraudulent accounts ever since. I have tried freezes and currently to this day pay for credit monitoring. ( I have attached my previous police report for THEFT ) Per the consumer laws as well ; the one listed below specifically. 

15 U.S. Code 1681a - Definitions ; rules of construction When investigating a consumer report it means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

This agency has violated me in every way. I only want to get this removed as this damage is ruining my life and this is not how I operate with creditors who I authorize and do business with. 

PLEASE HELP!
Product: Credit reporting

Demanding A Credit Bureau Investigate FIRST : I recently pulled a copy of my credit report and noticed the following information is in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX NY XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my driver 's license as proof of identity. 



XXXX Report number XXXX XXXX, Texas [ XXXX ] XXXX XXXX XXXX XXXX New York [ XXXX ] DOB XXXX SSN XXXX Email : XXXX To Whom It May Concern : I recently submitted a request for investigation of an XXXX Acct Number # XXXX and XXXX SD XXXX Acct Number # XXXX .... which XXXX refused to remove the Collection of Both accounts. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. See Attachment If you had investigated properly, rather than use your XXXX system, you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine - though your company claims to have " verified '' this. 

It is now that I will point out that in XXXX TransUnion, XXXX and XXXX, et al, the courts ruled each time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they must conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I must take legal action to protect my credit rating and myself. As I 'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter. 


Dated : XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX CERTIFIED MAIL:XXXX XXXX, Texas [ XXXX ] CERTIFIED MAIL:XXXX Trans Union XXXX, PA [ XXXX ] CERTIFIED MAIL : XXXX To Whom It May Concern : I recently submitted a request for investigation of : 1. ) XXXX-FALSE CLAIM {$34000.00} and $ {$11000.00} NO SIGN JUDGMENT BY ANY JUDGE which you refused TO REMOVE! I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

2. ) XXXX - FALSE CLAIM ID XXXX Date XXXX XXXX {$93000.00} Federal Tax Lien filed but Search of UCC XXXX SEARCH herein Attach no liens filed NY DOS Sign by XXXX XXXX Dated XXXX/XXXX/XXXX 3. ) XXXX XXXX XXXX FALSE CLAIM ID XXXX Date XXXX {$26000.00} Federal tax lien filed. Please See UCC XXXX SEARCH herein Attach no liens filed NY DOS Sign by XXXX XXXX Dated XXXX/XXXX/XXXX
Product: Debt collection

XXXX XXXX medical bill was {$55.00} dollars XXXX XXXX XXXX. is the company is charging extra {$240.00} in interest making a total off {$300.00} I have never sign any contract with the original company ( XXXX XXXX ) this company is treating me to damage my credit score if I don't pay the bill I have contacted the company to pay my bill but they are charging all they want not giving me the option. to paid the original balance. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Product: Credit card or prepaid card

This will be the XXXX  time asking CFPB to intervene. Capital one quicksilver card seems to be discriminating against me paying my bills before time FROM THEIR Checking account. 
I have both accounts in their app on my phone and I pay my bills before the due date. I have been doing this since the very beginning because I want to ensure that my credit score reflects this. Every XXXX months my account is frozen because my early bill payment is considered a fraudulent activity and I lose access to my card for XXXX days. 

I have to call capital one and verify that the account t that I verified through the app is me. Then I still have to wait the XXXX days for this to be fixed. This has caused me so much XXXX and XXXX, has left me stranded in the streets because my card wont work for XXXX payments. It has put my necessary accounts in jeopardy for non payment and cause addition fees for some. I am absolute sick of capital one and would close the account but I dont want that to affect my credit score. I am looking into a lawyer as Ive said because this cant be right and it certainly isnt fair.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I disputed fraudulent accounts listed on my credit report, that Early Warning, maintain under my personal information. I submitted a copy of the FTC report, and Dallas Police Report. Early Warning has violated the FCRA, by not conducting a reasonable investigation into the accounts that are listed on the report that they maintain under my personal information. Early Warning has come back and stated the information was accurate and reinserted the following accounts onto the credit file. XXXX XXXX XXXX XXXX, XXXX XXXX, and etc. Early Warning has violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Below you will see that the personal information contained in the report from Early Warning, is different from my State ID, in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity admits to furnishing inaccurate information violating 15 USC 1681s-2 ( a ) ( 1 ) ( A ). Comenity has failed to provide proof that they provided required TILA disclosures, adequate notice of billing statements in order to allege a late payment in accordance with 15 USC 1666b. After proper notice provided to Comenity, they continued to retaliate by violating 15 USC 1666 ( d ). Comenity is using deception, oppression and coercion to defraud me and to continue to defame my character. SEE ATTACHMENT
Product: Debt collection

Ally Financial continually calls both myself and my husband looking for his ex wife. We have told them numerous times that he has been divorced from her for over XXXX  years, and I have never met her. I have asked that they remove both my phone and his phone number, to which they have refused stating she is behind on her car loan and apparently its up to us to find her for them to have her make it right. This happens at least daily- and it does not matter the day or time. This is harassment and I would appreciate it if the calls would stop. Contacting people that arent related to this person and are in a completely different state should be illegal!
Product: Student loan

Zip code XXXX I was hoping you could help me obtain records of my original student loan agreement note, the person in possession of the note, and any modifications made to the note. I have reason to believe that Nelnet has failed to abide by the contract. Nelnet and its subsidiaries own all the previous loan contractor Ive been transferred between, yet none will provide the original document note. I am requesting access to all documents, records and communications having used my signature. The servicers and lenders may be disadvantaging the borrowers and all records from XXXX to XXXX are requested for review and accuracy. The information requested belongs to me and will be for my personal use only and secured in my safe. 

Thank you so much for your
Product: Vehicle loan or lease

This car i voluntarily returned it back to credit acceptance and it was auction off and they are trying to charge me the interest due for 7 yrs. One the amount of car was flip on me .secound the car dealer XXXX  XXXX switch the car amount on me next it was stolen and vandalism. Last it wasn't my car ..i tryed to settle for less amount because i m a parttime worker and i m getting a loan in amount of XXXX to pay off the car. I don't have XXXX .and i can not pay monthly fee .i just want to settle less then what i own .because its not my car its my son car so i just want to settle because its in my name
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX  XXXX **** Balance Owed XXXX {$7100.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Money transfer, virtual currency, or money service

In an attempt to purchase concert tickets, I communicated with an internet seller. He gave his name, email address and phone number and via a phone conversation, explained that he felt more secure using XXXX  through his bank account. He sent a screenshot with a confirmation that tickets had been transferred to my friend with all relevant personal information and pickup information confirmed - it looks legitimate. 

I initiated the transfer through XXXX via my Chase Banking app, presuming that I was protected by Chase Fraud services if the transaction were to go sour. If I was transferring money from within my Chase account, SURELY Chase services would still protect me, right? No ... .I was wrong. I confirmed the transaction and followed the seller 's instructions for ticket pickup, however the tickets were not there as promised, and when I tried to contact the seller, he of course was unresponsive. Nowhere in the XXXX  payment initiation process does it prompt you to confirm that the transfer is NOT protected by the normal Chase fraud protection, again, despite the fact that it is literally embedded in the bank account. It's incredibly, and intentionally, unclear and misleading. The entire point of using this tool was to avoid something like XXXX, which in retrospect, is exactly the same thing. 

I presume his information is also fraudulent however here it is : Name : XXXX XXXX Email Address : XXXX Phone Number : XXXX Bank : XXXX Method of Transfer : XXXX  ( Chase to XXXX ) Amount : {$750.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, My Amazon Store card was closed stating I am highly risk for paying the credit. I requested the account manager to review the decision and reopen the account but they did not. I never had history of late payment, I was always paying in time but still amazon store card from synchrony bank closed my account. I had some rewards point which also has been taken away.
Product: Student loan

They where not willing to work with me when I lost my job and put multiple of duplicate accounts on my credit causing my score to go down causing more of a financial hardship for my family and I.
Product: Checking or savings account

A couple use ago my information was stolen and a person was depositing fraud checks in my account and withdrawing i made a complaint about it when i found out because of this i am unable to open an account or even take a loan out because of this.
Product: Mortgage

The state of texas paid XXXX back in XXXX XXXX of 2023. They then turned around and sent payments for XXXX XXXX and XXXX. At the time when I applied for my the assistance my balance was only XXXX. They transferred my loan from Cardinal Financial to XXXX XXXX without my permission.