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

I have been trying over and over to have JP Morgan chase to allow me access to my funds that are available as they have restricted my account. They have told me I will need to wait until the time period is up and then they will mail me a cashiers check to have my funds mailed to me which will be about XXXX days from the XXXX of XXXX. My account has a positive balance of {$2200.00} and there are no more pending transactions or negative balances on the account. Ive explained that is all the money I have and no income due to winter months and I need that money to provide for my family and feed them. Even a portion if the available funds would be helpful. I am told left and right no! Or I get different answers from everyone I talk to. Their staff can be rude and misleading.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

I submitted a complaint about the improper use of my credit report to the CFPB on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX responded : " We have researched the credit inquiry and it was accessed on XX/XX/XXXX by XXXX XXXX. XXXX XXXX is not a creditor. XXXX XXXX does not extend credit for any reason and is only a credit report reseller. XXXX XXXX is a customer of XXXX XXXX whom accessed your credit. Please find attached copy of executed consumer credit authorization. '' According to the attached evidence of the funding application provided by XXXX XXXX, I authorized XXXX XXXX XXXX XXXX to do the credit check. However, XXXX XXXX respond from XX/XX/XXXX stated " We have researched the credit inquiry and it was accessed on XX/XX/XXXX by XXXX XXXX ... .XXXX XXXX is a customer of XXXX XXXX whom accessed your credit. '' I did not give my permission to access my report to XXXX XXXX and/or any of its representatives. I demand to reopen the case and erase the credit check inquiry.
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no association with the creditors mentioned.
Product: Checking or savings account

Maybe not a complaint, more so bringing awareness because I honestly don't think they know how hyphenated names work with XXXX. The Navy Federal location in XXXX, XXXX forbid me from getting a replacement card in person until I updated the name on my account to match my DL. When I married, I hyphenated my last name. This means I kept my last name and added my husbands on behind it. Women hyphenate their name for many reasons in my case, it was the perk of not having to go through the hassle of updating previous titles in my name. For some reason everyone there is saying the " legal name change '' requires proof of marriage and to update the name on my accounts with them before I could get a replacement card issued. I called the customer service number and they called the branch and was as shocked as I was. He said this is not a normal practice, only the location here and the bank manager set this policy. I went back to the location and tried explaining to XXXX different people, but they all said the same thing, I would have to update the name on file before getting a replacement card. No big deal, but it seems they are unaware and need training around this. At the most showing a marriage certificate is understandable but requiring me to update my name is a bit extreme.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute that my XXXX XXXX loans was paid in full with a XXXX balance and the bureau will not update it. I submitted my dispute XXXX and my report was unchanged as if XXXX. This is with XXXX. 
Experian wouldnt even take my documents. Stating it wasnt clear. I dont understand, the verification came straight from XXXX
Product: Debt collection

This is for an APPLE credit card. 

I, XXXX XXXX, sent a validation of debt letter to GOLDMAN SACHS on XX/XX/XXXX and they recieved it on XX/XX/XXXX with a tracking number of XXXX certified mail. GOLDMAN SACHS failed to validate the debt with an affidavit in the 15 days I provided them. I then had sent a cease and desist letter on XX/XX/XXXX and GOLDMAN SACHS received is on XX/XX/XXXX with a tracking number of XXXX certified mail. GOLDMAN SACHS has since been mailing a bill due and has not provided a letter validate the debt with an affidavit. GOLDMAN SACHS has since reported late payments to XXXX, XXXX, AND XXXX. I sent an affidavit of truth letter on XX/XX/XXXX and they received in on XX/XX/XXXX with a tracking number of XXXX certified mail. I provided them another 10 days to validate the debt via an affidavit. XXXX XXXX has not provided a " wet-ink '' signature and GOLDMAN SACHS will not be able to validate the debt. Today is XX/XX/XXXX and I am formally sending in a complaint
Product: Debt collection

This is a XXXX bill of which I have XXXX for the past 15 years. My insurance pays each year. The code used for this XXXX was incorrect according to my insurance. I informed the lab to change the code - they can also call my primary doctor if they need additional information. I have not heard from them for quite some time, so i thought it was resolved. Last month I got a call from a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance in the Fair Clean Report Act. The List of accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 


Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my third request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$950.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

XXXX XXXX sent a XXXX forbidden error log in account was hacked from being sold out by XXXX different data brokers and the account was sold out. I have a reference to the case my account was verified as a malicious attack from hackers that steal your money and compromised company policies with website domains blacklisted to account holders who claimed they were owed money from Chime bank accounts to make a delivery of merchandise from stock broker accounts.
Product: Checking or savings account

Navy Federal illegally harvested tens of millions of dollars in junk fees, including from active duty servicemembers and veterans, said CFPB Director XXXX XXXX. The CFPBs work to rid the market of illegal junk fees has saved American families billions of dollars. 

The CFPB found that Navy Federal violated the Consumer Financial Protection Act through : * Charging illegal, surprise overdraft fees on purchases made with sufficient funds : Navy Federal charged fees to consumers whose accounts showed sufficient funds when making purchases, only to charge fees when the transactions were later processed. 
* Charging overdraft fees caused by delayed peer-to-peer payments with undisclosed processing times : The credit union showed incoming payments from services like XXXX, XXXX, and XXXX XXXX as available to spend, but failed to disclose that payments received after specific cutoff times would not post until the next business day, while still charging overdraft fees to some customers who attempted to use these apparently available funds.
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX stating that a new credit inquiry was made on behalf of Equifax Mortgage Services on XX/XX/2024 but I didn't apply for a new mortgage or credit of any kind with them.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct reasonable reinvestigation of disputed information on credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act This Account XXXX XXXX XXXX  as 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. 
have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I wentvto XXXX XXXX XXXX on XX/XX/18 I rented a car, also I took one back so I got my deposit of {$200.00} back then the branch manager put in the wrong price so he refunded {$160.00} also that day. So card.com sent me an email on saturday XX/XX/18 which they are close on weekends. They had block my card. For my protection. I did not call this company and say i had and problems so why block my card. I talk with XXXX on XX/XX/18 to see what was going on. I sent documents and she unblock my card. So on XX/XX/18 my card gets block again for the same stuff. Which i sent documents the company XXXX  sent documents but still my card is block. I spoken with 3 supervisor only name i know is XXXX because the other 2 refuse to give their name. I want my card unblock its my money and not their. However i spend my money is my business. So this company is doing fraulant stuff to my card. I need my money. Can u all help me.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you kindly verify the documents? Several of the mentioned accounts contain inaccuracies in their reporting, such as incorrect amounts and dates.
Product: Student loan

I recently noticed that Earnest had been applying debits and credit to my account labeled " adjustments ''. The credited amounts always equalled the debited amounts, they cancelled each other out, so it didn't raise any red flags to me. But then I noticed a debited " adjustment '' to my loan account in the amount of {$87.00} -- and there was no credit to offset it, so I called Earnest in XX/XX/XXXX to flag this. I auto-pay my student loan monthly and have a fixed interest rate so there's no reason for my account to be charged a fee of any kind. 

The explanation I received from the Earnest customer service representative was that the " adjustment '' charges were the result of me overpaying interest, and that in XX/XX/XXXX my account started being refunded/ credited back for those overpayments. The representative also said that I should have received a check in the mail in XX/XX/XXXX for {$3.00} which represented another refund " adjustment ''. Once I pointed out that I saw no evidence of my account being refunded at all in XXXX or XXXX, nor had I received any checks in the mail from Earnest, they backtracked on their explanation ( email excerpts below ). 

Unfortunately Earnest 's explanation was very vague given loan repayment is a process that should be carefully documented. Especially given Earnest is servicing a student loan that is valued at close to $ XXXX. It doesnt make sense to me that when I have a fixed interest rate Earnest cant properly calculate the interest payment each month. 

-- - ( email excerpts ) Earnest on XX/XX/XXXX at XXXX PT : " Hi XXXX, I have actually just received a correction from our team processing the refund. It seems that they were actually able to apply it to your principal balance. 
I apologize for all of the confusion, I was not aware that they could do this. Please let us know if you have any further questions. '' Me on XX/XX/XXXX at XXXX PT : " When was that done? I dont see it as an adjustment anywhere in my loan history. 
Thanks, '' Earnest on XX/XX/XXXX at XXXX PT : " Hi XXXX, The original refund was initiated back on XX/XX/XXXX. You will then see the adjustments to make the refund the correct amount in the adjustments that were done between XXXX and XXXX. The total refund amount that was applied to your principal balance was the {$3.00}. 
I hope this helps. Please let us know if you have any further questions. "
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1100.00} XXXX / XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report. Please remove this account from my credit report, it is hurting my credit score and making it difficult to obtain credit. Account listed below. 

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

I did not authorize XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602A states i have the right to privacy 15 U.S.C 1681 section 602A section 2. it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Checking or savings account

I recently noticed a specific amount being deducted out of my account monthly. Every time I try to red flag the amount CHIME BANK tells me that nothing can be done until the withdrawal is completed. After they withdrew out of my account XXXX times and nothing was done I decided to call again this time I put in a claim for all XXXX transaction each charged at {$29.00}. After a day investigations they claim the the charges were valid and theres nothing they can do to refund back the amount. I repeatedly explain to the supervisor that I can not provide any further proof since its a company Im never heard of he then told me that I would need a police report I asked what am I going to tell the police and then he told me according to his investigation that all the charges were right and there is nothing that they can do to refund back the money. They took out {$200.00} and some change over a period of time which they are not looking to reimburse me I do not know what to do at this point I can not get in touch with Manager theyre telling me to get a police report I dont know what to do please help me with anything that you guys can provide with assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent multiple disputes to the credit reporting agencies regarding accounts on my credit report that are incorrect. ive been sending letters since XXXX to the bureaus and have only received a response once from XXXX  in XXXX. we are now at the end of XXXX and i have not received any letters in the mail letting me know the status of the disputes and the accounts are still reporting on my credit report.
Product: Student loan

I had did a loan consolidation back in XXXX and the account was closed, XX/XX/XXXX Navient reopened my account and took away XXXXXXXX XXXX points on my credit report their claim is that I am 120+ 180 days late. Which is not a true statement. The Navient account was closed and settled after the consultation