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

In accordance with the Fair Reporting Credit 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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2, they are supposed to 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, credit repair services, or other personal consumer reports

XXXX/JP Morgan Chase Bank shows on my XXXX  report with late shows and the loan was transferred by JP Morgan Chase Bank with out my consent or agreement or was not to my attention. I also did not agree or ask for no transfer in any way or ask. During transfer there was errors by JP Morgan Chase Bank on there part in which caused a lot of errors and I disputed to JP Morgan Chase and there was never any real reply to this issues. there was never documents provided to the issue nor any legal binding agreement to the issue when the disputes was filed. they never replied back as to XXXX never provided to me any legal documents showing any legal biding contract to terms and condition as stated by JP Morgan Chase Bank. 
XXXX has on my credit errors I want remove or I 'm going to have to pursue legal issues on XXXX/JP Morgan Chase Bank. 
There also seems like a bunch of fraud in the act with out any binding agreement to transfer and changes with out notices and the credit report reporting while in transfer and dispute to why with no answer by J P Morgan Bank nor ( XXXX ) as the original loan originator or what part they came in with out any notices or legal biding contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a Collection on my report does not belong to me. It belongs to a relative with similar name. Ive reached out tot he company with not response. Experian claims the company verified but neglected so submit documentation to me to show that documents they used to verify me. 

Please remove this collection from my report Thanks
Product: Credit reporting or other personal consumer reports

I have been working so hard to clean my credit due to previous fraud. All the creditors only refer me to speak with the bureaus. No one wants to help me. 
But in the last months I have had 4 inquiries, that I have given zero authorization to use. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had my Discover card stolen from me while I was shopping at the XXXX XXXX XXXX XXXX XXXX, located in XXXX, CA on XX/XX/2018. 
Discover was notified as soon as the loss was realized - basically next day -Police report - XXXX # XXXX - was filed later ONLY because it was expected that Discover would keep the promise to always support its LOYAL customer -Police detective called Discover to confirm the report filed -Copy of the police report was sent to Discover. Discover said that they will hold me accountable for the charge and refused to treat this as credit card fraud. Furthermore, they reported me to the credit bureaus for disputing the account. After months of calling and trying to get this resolved, they told me they wouldn't do it.
Product: Student loan

I contacted Mohela in XXXX to ensure that I had active in-school deferment. They processed my request and issued a message that my in-school deferment was active. In XXXX, an automatic debit of {$280.00} was taken from my checking account, thereby overdrafting my checking account on the Monday before XXXX. On calling, I was informed that my in-school deferment expired on XX/XX/XXXX, thus my account was in repayment and I was debited on XX/XX/XXXX. I was told that I would need to find and download the in-school deferment form and have my school complete it. I was also told that the refund for this debit would take 7-10 business days to approve and process, and that no overdraft fees would be reimbursed. I asked how my account was setup to autodebit when I had never set this up on my accountnot only did I not sign up for this service, I never provided them with my bank details. They could not tell me how or why this was done without my consent. In fact, the Resolution Specialist requested a copy of my bank statement to show that my account was overdrafted due to this erroneous debit. 

After XXXX days, my account is still listed as in repayment and I have received no messaging or confirmation that I had been placed on deferment or that my refund is processing. I am concerned that their debiting process will continue to be an issue and I question its legality. I have not had an autodebit for student loan repayment setup since the servicer I had in XXXX. That was XXXX servicers agoI have been moved from XXXX then to Mohela since then.
Product: Student loan

My tax refund was send to Navient and I request for hard ship and I got a hardship application and I filed out and mail it back to them with all the necessary support documents I was it will take 7 to 10 days for a decision so I called back after 2 weeks I was told my loan been transferred to a new sevrever but they have no information about who is the servicer or my hardship ..i am about to lose my house because I need this tax money to pay my mortgage to save my house now I am going to lose my house and no help insight ... please tell me what I need to do ...
Product: Credit card or prepaid card

I was approved for a Costco Citibank Visa card on XX/XX/XXXX. As of XX/XX/XXXX I have still not received the card. Both Citibank and Costco toll-free customer service numbers told me that the local Costco store could provide a print-out good for 15 days in the store, so that I could make charges within Costco to earn my 2 % rewards associated with this account. They said this print-out would not contain a CVV code so it couldn't be used outside the store. On XX/XX/XXXX I went to Costco located on XXXX XXXX in XXXX, Ohio and requested this print-out. The store personnel gaslighted me and said they haven't done anything like that in two years. The manager XXXX then acted like I was crazy for even suggesting this and that I was clearly mistaken and had no idea what I was talking about. Yes they were making me question my own sanity for believing this was a thing. So I called both Citibank and Costco customer service back and confirmed this shopping pass is an attribute of the card and that the store should have issued a temporary card for in-store use. In fact if you call Citibank at XXXX it's Option 2, Option 1 to learn about the temporary card.
Product: Money transfer, virtual currency, or money service

I made a purchase from XXXX, in the amount of {$56.00}, using my cashapp card on XX/XX/2023. However the order was never received and I was fully refunded the purchase price to my cashapp account on the same day. Today ( XXXX XXXX ) my cashapp account was charged {$56.00} for a XXXX order from XX/XX/2023, which I provided visible proof to the Cashapp agent showing where I was charged and refunded and yet charged again to my account. I was sent a statement which shows exactly what I mentioned but have issues receiving the appropriate funds returned from the cashapp team after visibly showing the mistake made on Cashapp 's side.
Product: Checking or savings account

I have a personal checking account with Chase Bank. 
I had an overdrawn balance. 
I was going to deposit money into the account to bring the account positive. 
Chase Bank closed the account without sending any prior notification that they were going to close it.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX  handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.I want the CFPB to publish this
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion XXXX and XXXX all have my concerns about identity theft i have no knowledge of the following accounts including XXXX XXXX and XXXX XXXX. i have asked them to either perform a proper investigation and to remove these things from my consumer file for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and repair these right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Complaint Against : Company : Ally Financial Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone : XXXX ( XXXX ) XXXX Account Number : XXXX Complaint Details : I am filing this complaint against Ally Financial for engaging in predatory and deceptive business practices related to my GAP insurance claim, payment processing delays, and extended warranty refund. Ally is intentionally delaying my claim and attempting to manipulate the claims process in a way that unfairly reduces my GAP insurance payout. 

Background : I financed a XXXX XXXX XXXX XXXX Ally Financial and purchased both GAP insurance and a XXXX Extended Warranty, which were rolled into my loan. 
On XX/XX/XXXX, my vehicle was declared a total loss, and my insurance company issued a payment to Ally Financial on XX/XX/XXXX to cover a portion of my loan balance. 
Ally did not apply the insurance payment to my account until XX/XX/XXXX, XXXX after I had to file a BBB complaint and repeatedly contact them to ensure my loan would not slip into late payment status. 
On XX/XX/XXXX, Ally refused to provide the necessary documents for my XXXX claim and is now attempting to force me to cancel my extended warranty before processing my XXXX claim. 
Per my purchase contract and MaxCare warranty agreement, I am NOT required to cancel my warranty before my GAP claim is processed. 

Why This is Unfair and Predatory : XXXX. Unreasonable Payment Processing Delays Despite receiving my insurance payment on XX/XX/XXXX, Ally delayed applying it for nearly two weeks, forcing me to file a BBB complaint to get them to apply the funds and assure me my loan would not go into delinquency. 
XXXX. Obstructing the GAP Claim Process Ally is now refusing to supply necessary GAP claim documents, preventing me from finalizing my claim. This delays resolution and unfairly impacts me financially. 
XXXX. Unnecessary Warranty Cancellation Requirement Ally is attempting to force me to cancel my extended warranty before they process my GAP claim, which is not contractually required. 
XXXX. Manipulating the Claims Process for Their Benefit If I cancel my warranty first, the refund would reduce my loan balance, allowing Ally to pay out less under GAP insurance. This is a clear attempt to reduce their liability at my expense. 
XXXX. Bad-Faith Business Practices By delaying payment processing, obstructing my GAP claim, and imposing unnecessary requirements, Ally is acting in bad faith to avoid paying out my benefits in full.

This practice is unethical and designed to manipulate consumers out of money they are rightfully owed. I urge the CFPB to take action against Ally Financial to stop these deceptive business practices.

Supporting Documents : I have attached copies of my purchase contract, MaxCare extended warranty contract, insurance payment confirmation, and any correspondence with Ally Financial regarding my GAP claim and payment delays. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX
Product: Credit card

Provide proof that the 15 USC 1691 c ; 15 USC 1642 ; USC 1681M and USC 1692K doesn't apply to them. They denied me of my credit and violated my rights. I stated my credit worthiness and the chose to discriminate me. I have sent 3 notice of their law breaking via certified mail. I explained their actions qualify as an adverse action on a consumer and it is unlawful for any creditor to discriminate against an applicant with any aspect to their credit, withholding access to my securities is securities fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX XXXX XXXX has violated my Rights 15 usc 1681 Section 602 States I have the right to privacy.

16 USC 1681 section 604 A section 2 : it also states a consumer Reporting agency can not Furnish an account With out my written instructions.

15 USC 1666B : A creditor may not treat a payment On a credit card account Under an open End consumer credit plan as late For any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and request that the following inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized inquiries removed from my credit report.

Inquiries for Blocking and Deletion : XXXX XXXX XXXX Inquiry Date : XXXX 2. XXXX XXXX XXXX Inquiry Date : XXXXXX/XX/year>
Product: Debt collection

I fell behind on my Ashley/Synchrony ( The Bank ) Credit Card payment , resulting from a job loss on XX/XX/XXXX. However, during the entire pandemic, while jobless, I managed to maintain minimum payments until about three months ago. 

On or around XX/XX/XXXX, there was a gap in my EDD UI benefits which impacted several bills. Federal UI benefits ended on XX/XX/XXXX. I continue to experience hardship and have not reestablished full-time employment. Instead, I am working gig jobs to stay afloat. Still, I raised {$200.00} making a payment to the bank in hopes that they would understand the hardship and accept the payment in full, and stop adverse reporting to the CRA 's. 

Instead, the bank insists that I need to make another payment of {$120.00} to bring the account to current. My regular monthly payments were {$59.00}. The account is non-interest-bearing because of a promotion for 0 % interest for six years from purchase. Before the pandemic, I was paying, in some cases, triple the minimum due amount. The bank was kind enough to remove two late fees totaling {$80.00}. 

Finally, on XX/XX/XXXX, on a recorded line, the account manager said, " if I [ did not ] make a payment of {$120.00} by XX/XX/XXXX, late fees and adverse reporting [ would ] continue. ' The manager said that collection calls would also resume. 

The bank offered a hardship plan. The new terms reduced monthly payments, provided 0 % interest, and stopped late fees. Still, my account would not be current until I paid {$120.00} more. Despite a hardship plan, adverse reporting would continue. My good faith attempt was not enough ; the bank demanded more money to stop harmful actions with my credit. 

I want to add that the first representative I spoke with also crossed a line. He asked if I was calling about another account. I told him that I called the phone number on the statement associated with Ashley/Synchrony . At the end of the call, he stated, " what about your other accounts? they need attention too. '' I am not sure why he felt the need to intimidate me into discussing other accounts. Previous agents said that each card had different numbers to call.
Product: Checking or savings account

Account was fees was charged, account was frozen a few times.. overdraft fees every other week
Product: Debt collection

I AM A USA VETERAN WHOM IS XXXX  % XXXX THAT HAS JUST DISCOVERED THAT I AM A VICTIM OF IDENTITY THEFT. AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICE THAT A MEDICAL BILL IS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. FIRST OFF ALL OF MY MEDICAL EXPENSES ARE PAID IN FULL BY THE United States OF AMERICA. I HAVE NEVER DEALT WITH ABILITY RECOVERY OR ANY COMPANY THAT THEY REPRESENT. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to any provider for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Not only is this debt does not belong to me due to fraud but your company could have also been in violation of HIPPA if it was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX ( XXXX ) XXXX Collection XXXX XXXX Collection account. {$3000.00} past due as of XX/XX/XXXX. 
( XXXX ) XXXX Public Record XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine
Product: Debt collection

I let my subscription to XXXX XXXX newspaper lapse and did not renew.This was after many complaints about missed newspapers or late delivery and no corrective action.XXXX  XXXX unlawfully sent my account into collection to `ARM Solutions Inc.To protect my credit I was forced to pay an amount of {$98.00} to ARM Solutions on XXXX XXXX XXXX,
Product: Checking or savings account

On XX/XX/2024, I caught a flat tire. I then called a company called XXXX XXXX located in Texas. The representative made me sign an authorization form and charged my account {$280.00} before they would even send a driver. Since I was out of town and it was very late at night, I desperately agreed. After 2 hours of waiting, XXXX XXXX  called me to tell me that a tow driver wouldnt be able to pick me up for 8 hours. I then told XXXX XXXX to cancel the transaction and refund me, which they said they would, but never did. They had me fill out an aithorization form to get a refund, and I never got it. I then filed a claim with Chase, who gave me a temporary credit. They then reversed rhe transaction a couple of months later and sent me a letter offering no good explanation why. If they did a decent investigation, they would find that XXXX XXXX  would not be able to provide an invoice proving they towed my vehicle anywhere. XXXX XXXX never performed a service for me, yet Chase chose to side with them over me without a good explanation. I called Chase and nobody could give me a logical reason as to why my transaction was mor valid. Id love for XXXX XXXX  to provide proof they serviced my vehicle when there is none.
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 card or prepaid card

I currently have a XXXX  US Bank card that I have had for a year now and have direct deposits placed on. Both from my employer and from social security. I receive benefits both for myself and for my son XXXX XXXX. Now XXXX has been receiving his benefits on my account for 3 months now. Last week on the XXXX I received a stimulus payment for XXXX. Now all of the sudden with absolutely NO warning they deactivated my account. They say that I need to provide identification information. So I did 6 times over, they received it all. Now they are still telling me I have to wait 5 business days. I absolutely can not wait another 5 business days!!! They shut the account down in minutes then they need to turn it back on. My son was born a month early and requires special formula. He absolutely can not wait 5 business days! I don't have enough formula or diapers for 5 more days.. I have no more money.. I have no other options or support to feed my children. I need my money and the money that is soon to be direct deposited as of yesterday. Not another 5 days. I can not understand how all my sons other deposits which are put in separate from mine have cleared with no issues at all and now all of the sudden with no warning I have no money and no way to care for my son.
Product: Credit reporting

Invoice # XXXX from XXXX, Fl XXXX Date of service XX/XX/XXXX All XXXX bureaus are reporting this account as open. 
This account was paid off XX/XX/XXXX by credit card ending XXXX The address this statement was sent to was XXXX XXXX, Fl XXXX I have since moved, my new address is XXXX XXXX, FL XXXX Please help me with this so my correct information will be posted to my credit report. Each bureau states this account is being disputed. But none of them are showing the account as being paid. 
Thank You XXXX XXXX
Product: Checking or savings account

Identity theft victim please see attached 
1. FTC report
2. Fraud Report 
3. Police Report