23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/, at exactly XXXX, I personally went to the JPMorgan CHASE bank and made a cash payment of {$120.00} on my Amazon XXXX VISA account. 

Today XX/XX/2024, I personally went to the CHASE bank and was told that their " Teller Express System has been offline '' since XX/XX/XXXX, XXXXThat this is currently impacting most JPMorgan Chase banks and customers in the area. They are currently experiencing some kind of technical system error that is causing a delay in their system that wont allow the system to post payments into the customers accounts. 

This is completely unacceptable. I expect to be compensated for this discrepancy with the corresponding interest rate that is accumulating due their systems error. Im attaching to this message a copy of my receipt of the cash payment of {$120.00} that I made on XX/XX/2024. 

As of today XXXX XXXX my payment of {$120.00} has NOT posted to my account. 


In addition the secure message feature on their Chase.com website is not working properly. The text portion is not allowing me to send them a secure message. Its highlighting my text outline message in red and displaying the following characters that Im NOT using in my message at all : text error icon You can use any special characters except : } > { " " ' " < Chase.com credit card services need to immediately post my cash credit card payment that I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

4. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Product: Student loan

I just graduated my XXXX program at the end of XXXX. I paid all of XXXX student loan payments on time. Then I went on a 2 week trip abroad, and could not be reached during that time. My loan payments are not due until the XXXX of this month, and it is XXXX XXXX. When I received a call from a Sallie Mae rep, I told him I would call on the Monday after I returned ( XXXX XXXX ). Sallie Mae 's automated program called me today ( Sunday ) a total of XXXX times with a recording that said to call back Monday. This is harassment, when a bill is not even due! I can not call them back to get them to quit harassing me because the recording says they are only open Monday through Friday! I was trying to spend time with my family and the phone was ringing off of the hook. This is completely unacceptable behavior by the loan agency. I am recently graduated, and intended to work on the process of consolidation this coming week after returning home from my trip. XXXX ( a company that is related to Sallie Mae ) also called me multiple times this evening. With XXXX, the caller i.d . showed up as " unavailable '' and the lady immediately asked me to verify my birthdate. I am not about to give my birthdate to a stranger on the phone with an unavailable callback number ( in case of identity theft ). She was very rude to me and hostile and told me " You better call us back then! '' ( as if I am the one who is in the wrong ). This is all completely unnecessary. I have been paying on my loans throughout my time in school. Calling me XXXX times in one day from Sallie Mae and XXXX times in one day from XXXX is harassment and is not legal. These companies should both be cited for violating the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be promptly removed from my credit report to protect my personal and financial information. 
Affected Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$60.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX  - XXXX - XX/XX/XXXX - {$540.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX XXXX XXXX- XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$160.00} Inquiries : XXXX  XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

Credit Karma has continually stated I am eligible or pre-approved for credit cards and when I apply I am denied. This has happened more than a dozen times. I am trying to rebuild my credit and they're being fraudulent with their offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX trade is fraudulent and illegal. I have asked numerous times for this to be removed! It reamins on my report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the fraud trade be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

XXXX XXXX XXXX  Account Number XXXX Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXXXXXX Account Number XXXX. 
BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX XXXX Accouint Number XXXX Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX  XXXX Account Number XXXX Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX Account XXXX Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX  Account XXXX Balance {$2000.00} Date XXXX XXXX XXXX XXXX Account XXXX Balance {$1700.00} Date XXXX XXXX Account Number XXXX Balance {$3500.00} DAte XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting duplicate accounts on my credit file. XXXX XXXX XXXX and XXXX XXXX XXXX  ; XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX are attempting to collect the same accounts and reporting on my credit file duplicates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.
Product: Vehicle loan or lease

Failure of Ally to acknowledge receipt of payments sent via certified mail.Unlawful repossession of the vehicle without prior notice.Lack of transparency and refusal to communicate regarding the whereabouts of the repossessed vehicle.Certified mail receipts & proof of delivery for both payments.Records of communication attempts, including dates and times of phone calls.Notarized copies of all correspondence sent. Administrative process was done with notary.Subsequent inquiries about the location of my vehicle have been ignored, and they have refused to disclose who currently has possession of the vehicle.
Product: Money transfer, virtual currency, or money service

Cash app closed my account and refused to tell me why ... .I appealed they denied it but still refused to tell me why.They kept telling me to refer to there terms and I asked what good would it do for me to refer to the terms if I don't know what the violation was.It was XXXX left in the account.Im currently homeless..
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It frustrates me seeing the Credit Bureaus do nothing in order to correct the disputed accounts that are being reported on my Credit File despite the multiple and countless dispute letters and CFPB complaints I have been submitting to the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Bureaus are required to investigate a consumer 's Credit File and correct and or remove the erroneous information from my Credit File. However, the Credit Bureaus have been ignoring my requests and continued reporting the disputed accounts without sending me copies of proof of verification. I am submitting yet another CFPB Complaint to request to the Credit Bureaus to remove the disputed accounts completely from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter dated XX/XX/20 from XXXX XXXX XXXX stating that I had a bankruptcy filed on my Equifax credit report. On Friday, XX/XX/20, I called Equifax Mortgage Solutions at XXXX to clarify and dispute the bankruptcy. The representative took my information, then transferred me to another department. The call was disconnected. I went to the Equifax website to try and pull my credit report, but an error was reported stating that my report couldn't be located and to call Equifax. I called Equifax and spoke with XXXX, who informed me that she couldn't find any records for me. She asked if I had a line of credit, and I told her I did. She informed me that I would need to fax and/or mail a list of documents to them to begin clearing up the issue, which I still didn't understand. I asked what the issue was, and she just said she couldn't say because she couldn't find a report for me. We ended the call and I called again, speaking with XXXX. He was able to locate my report, but said that there was a discrepancy and also provided me with the fax number and instructed me to send documents. Once again, I couldn't understand what the problem was exactly and why I couldn't access my credit report. On Saturday, XX/XX/20, I faxed the cover letter they requested I write, a copy of my drivers license, my passport, my social security card and an energy report with my name and address on it to XXXX. I also mailed hard copies to the Equifax Dispute Department at XXXX. XXXX XXXX in XXXX, GA XXXX. 

Friday, XX/XX/20, I called Equifax once more at XXXX and spoke with a representative, informing her of my situation and asking for her to confirm receipt of the documents. It took her a while, but she was able to see that the documents had been received and she read them back to me. All documents were received. But then she stated she couldn't find a credit report for me. I asked for her to specifically list the problem and what I could do about it, but she was unable to clearly tell me what the problem was. I asked for a supervisor. She was then, all of a sudden, able to see my report, but then she asked me to stay on hold for a supervisor. I asked for a number to call back if I was disconnected, but she wouldn't give me a number and put me on hold. I was on hold for 1 hour when the call was disconnected. I called back again and spoke with XXXX. He told me their system was down and that I would need to call back in " a few hours '' to be able to access my report or to speak with a supervisor. 

I am extremely concerned that no one can tell me what the problem is, and if I try to ask for someone else to help me, I'm disconnected or told to call back.
Product: Vehicle loan or lease

Hyundai without warning is now charging {$3.00} to make a one time payment online, something that was advertised as a free feature when I took out the loan. 

This is a push for autopay so we cant pay ahead. 

Loan taken out XX/XX/XXXX, received notice on XX/XX/XXXX statement to be effective XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting that Transunion, XXXX, and XXXX do what is legally mandated by the FCRA and FDCPA, and delete the account listing of XXXX XXXX. Transunion, XXXX, XXXX, and XXXX XXXX received a demand for validation from me. As of today, XX/XX/XXXXXXXX  they have failed to provide any proof from their investigation and/or validation of debt. I have sent multiple letters and disputes since XX/XX/XXXXXXXX Again, I have received no response but a copy of my credit report. Instead, XXXX XXXX is illegally updating my credit report as charged off each month with a balance due and remarks stating it was written off. The FDCPA states they must cease collection activity until they produce verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous 12 months since it was requested. As per the FCRA, if no proof of debt exists, it may not be reported to the credit bureaus as they are required to report ACCURATE information. The FCRA also states that the credit reporting agencies must receive written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence as evidenced.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account have been paid in full for over 60 days now and my credit file is not reflecting this change. I have reach out to the bank and I was told by an agent that they have report to the credit bureaus that the account have been paid in full.
Product: Debt collection

One Main Financial continues to report thats not mine that a judge ruled in XXXX XXXX as not my debt. They are continuing to harm my credit report and I would like the item removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am submitting this complaint without any influence from any 3rd party or agency. Please see attached documents and ID as it contains my full complaint request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX and Transunion six different times in regards to having two bankruptcies removed from my credit report. Dates being XX/XX/XXXX and XX/XX/XXXX Certified letters were sent from my doctor explaining that I have XXXX and XXXX  which affects my decision making at times. These bankruptcies were filed when I was ill and my medical conditions were beyond my control. I explained to XXXX that there was no balance on each of the bankruptcy because they were never completed do to my being ill at those times. Even with all of my certified letters from my doctor and from the bankruptcy court, XXXX refuses to honor and respect my medical condition and have these XXXX  balance items deleted it from my credit report please assist and having these items deleted and removed from my report so that I can move forward with my life now that I am well. Thank You
Product: Mortgage

Hi my name is XXXX XXXX I have been trying to get a loan modification with my servicer Ocwen on my property XXXX XXXX XXXX XXXX, XXXX CA XXXX for over 3 years, they have refused to cooperative and they have been engaging in dual tracking and wrongful foreclosure. My property is now in foreclosure and i am facing the possibility of losing my home.