23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX n accordance with the fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

1

5 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 written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am putting in a complaint because XXXX XXXX Lexis Nexis has reported My bankruptcy when in fact my bankruptcy court has given me written proof stating they indeed don't report to the credit bureaus.
Product: Checking or savings account

I use an app formerly known as XXXX XXXX and as of XXXX/XXXX/XXXX they have changed their name to XXXX. They are great but need my bank to send information in order for me to be able to recieve my XXXX XXXX XXXX but because chase is taking more than the few hours they were suposse to have done it by my money isnt there and i was depending on having that money.
Product: Debt collection

I signed a XXXX XXXX  agreement that detailed an obligation to pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX fees which include XXXX XXXX XXXX XXXX 
the agreement spells out that if they are not paid by the due date, I will be responsible for interest rates of 1.5 % interest and 5 % late fee. 

The company is XXXX XXXX XXXX time share. I had a dispute on the XXXX fees as they deprived me rights during COVID and made no provision to accommodate my lost time for which I paid for, however they collected millions in XXXX funds and made no concession to people like me, the real " owners '' who pre-paid for our time, they profited twice. none the less I dispute the fees and they turned it over to Pinnacle recovery , inc, a collection agency. this agency is charging me 40 % collection fees on top of the already applied 5 % penalty in the contract. This violates Federal and State Usury rates as well as fair debt collection. laws because I did not agree to a higher rate other than outlined above. Further, XXXX XXXX REFUSED and locked me out of online payment to pay my XXXX XXXX  timely stating that because I owed for XXXX, I had to pay penalty fees and collection fees to pinnacle. 
this violated my right to pay what I owed on time, but they refused it. 
I have paid the amount owed, how ever they still shut me off because they say I owe the 40 % collection fee to Pinnacle.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have been eligible for the discharge of my student loan balance of {$120000.00} since XXXX XXXX. As a federal government employee since XX/XX/XXXX, I have made XXXX qualifying payments under the XXXX XXXX XXXX XXXX program. It is now XX/XX/XXXX and I have received no discharge from Mohela, my federal loan servicer. Mohela has not acted in good faith or expedience in communicating with me and discharging this debt under a reasonable timeline. I request that they be contacted to process my discharge or provide an explanation as to why they continue to delay this discharge.
Product: Checking or savings account

The issue started in XXXX when I opened my business account and chase would send emails and call my girlfriend at the time with information regarding my account and disclose PII ( Date of Birth ) to her clearly breaching my accounts security. I was able to resolve this with the branch, but now we opened a joint checking account together and her parents are now receiving info despite not being associated with the account. Then on XX/XX/XXXX we noticed a {$40.00} withdrawal from our account for a credit card we do not own. Clearly being fraud we spend XXXX hours on the phone with chase just to be told to go to a branch. We went to a branch that same day XX/XX/XXXX and were essentially told they would not do anything and to just wait until Tuesday when the manager came back. We could not risk more funds being taken so we called in and waited XXXX hours to speak with the fraud department in order to freeze the account, and were told to visit a branch Tuesday to withdraw our funds. We did so and were greeted again with aggressive behavior and told to call customer service or come back another day. We tried a different branch in XXXX today to try to access our money as we are now late on XXXX credit card payments as we have no access to our money, and the manager on duty XXXX was so rude that she literally would not accept our ID or offer to help in any way and even went as far as storming off after speaking to us in an extremely condescending manner. Luckily we video taped the encounter as this feel like chase is attempting to steal our funds and likely has no intent to return our money.
Product: Bank account or service

I opened a business checking account with Chase Bank on XXXX XXXX, 2016 at the XXXX location. I live in XXXX and chose to drive to the XXXX location, XXXX hours away, because I had received advertisement for a {$500.00} bonus for opening a business account. While in the branch, I provided the banker, XXXX XXXX, with all necessary information, including my social security number and card. My account was opened, and I deposited {$500.00} into the account. On Saturday, XXXX XXXX, I received a letter that indicated that I had failed to provide my social security information when the account was opened and the account would be closed if I did not provide the information as soon as possible. 

Up until then, I had not received any contact from Chase that would indicate there was a problem with my account. I called Chase immediately, and I was told that my account was fine and to disregard the letter. On Monday, XXXX XXXX, I contacted my banker, XXXX XXXX. He stated that there was actually a problem with my account, and he would need to research the problem. After researching the matter, he called me on XXXX XXXX and stated that Chase had failed to record my social security information. He stated that this was completely a bank error and that he would fix the issue and my account would remain open. However, he asked me to re-sign the information I had provided in branch on XXXX XXXX and fax him a copy of my social security number. He faxed me the document I would need to sign the following day. On XXXX XXXX, I faxed a copy of my social security number and requested document. 

On XXXX XXXX, XXXX XXXX called me and stated that the account had been closed on XXXX XXXX, and that Chase would not reopen the account. He said that he had argued with management about reopening the account, but told me that management had chosen to close the account permanently. 

I am shocked and appalled by Chase 's actions. This entire problem was due to their incompetency and now I am must suffer the consequences. I still have not received the initial {$500.00} deposit I made on XXXX XXXX, nor have I received the promised {$500.00} bonus.
Product: Credit card or prepaid card

Capital One credit card close my account after a period of inactivity, said that they sent a letter warning me before closing the account in XX/XX/XXXX, and then closed the account in XX/XX/XXXX, but never got that warning letter. They closed my account and said all my reward dollars are now lost, {$5700.00}. 
Called 4 time : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, then XX/XX/XXXX. 
Wrote letter XX/XX/XXXX to Capital One credit card company appealing closing my account without warning, and pay the rewards, which I got a response letter to call them to try to resolve the issue. 
Capital One company turned down my appeals.
Product: Money transfer, virtual currency, or money service

I Have an Apple Bank credit card that I use through my mobile wallet on my XXXX. Everything worked wonderfully until XX/XX/XXXX from which point onward I have been unable to view transactions occurring on my account, view statement detail, and otherwise manage my account. I can still make charges, but I can not see if my payments and refunds have been applied, or if there any illegitimate transactions being applied, or any interest being applied ( there should be none - Ive paid my interest-free balance every month by the due date ). 

On XX/XX/XXXX, I contacted support via XXXX  Chat. They sent me a link to check my transactions and the link opened to garble ( attached ). They had no other way to assist me.
Product: Student loan

I submitted my PSLF form on XX/XX/2023. When I submitted it there was language on the website that all forms would be processed within 30 days. 30 days have lapsed, so I called Mohela and they stated that it is taking 45 days now. If you commit to 30 days to process a simple form then they need to honor that and not change it mid-way after submission. I have also spent two plus hours waiting for someone to answer my calls. They are making a lot of money servicing loans and should adequately staff and resource to fulfill their contract obligations. 

They should process simple forms within 30 days. And not change their policies after they have committed to this when you upload a form.
Product: Student loan

When I started to repay theses loans years ago I was encouraged to make interest only payments. It was described to me that I would be paying down a set amount of interest and when I could later afford to make higher payments, the interest owed would be paid down and I would be making payments towards the principal. Long story short, I was misled into believing I was paying down a predetermined set amount of interest. I am still paying a great deal of interest. Over the years I have paid around {$10000.00} in payments and today I owe more than I ever borrowed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting on all 3 bureaus Demand deletion and blocked for all 3 bureaus XXXX XXXX Experian Immediate deletion It doesnt show on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transuion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunioun alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable esponses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunioun has neither corrected nor removed
Product: Credit card or prepaid card

I paid my balance in full prior to the due date and was charged additional intrest. Based on what I can tell Capital One is charging interest on the purchase balance as if it were a loan balance. My due date was XX/XX/XXXX. I paid my balance in full on XX/XX/XXXX and was charged interest on the average daily balance.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Election Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation rises concern about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Unknown accounts Fraudulent reporting 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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX, Reference # XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I applied for a modification and I was denied. Select Portfolio Servicing is also refusing to put me on a repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account should be removed this year but they are reporting it like its not as old as it is.
Product: Credit reporting or other personal consumer reports

After checking my credit report and trying to remove inaccurate information I discovered that the following two accounts XXXX XXXX child support and self inc have been both violation my rights by furnishing inaccurate and unfair information. They have been reporting the following address for over three years after I reached out to update numerous of time. XXXX XXXX and Experian both have been working cooperatively with these companies to ensure the inaccurate information remains on my credit report. After numerous attempt to update or get the information removed there has been nothing done to remedy the situation and Im afraid according to numerous of laws from UCC USC AND FCRA this will serve proof as I have reached out and filed numerous disputes. My correct address is on file with credit bureaus and if theres any proof that I stated that I lived in the address listed then Id like to see proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX, XXXX, XXXX XXXX this is willful defamation. Infringement on my XXXX Amendment rights, especially to privacy and to be secure in my papers. An Identity theft report has been done ( report Number XXXX ) in accordance with the Federal Trade Commission. I have sent certified mailings to credit bureaus demanding compensation from them due to the Civil Liability, the defamation and willful intent to infringement of my XXXX amendment rights to be secure in my papers, which Have been fraudulent obtained and retained, without my consent. The deceptive, false claims made by business who are in collusion with these third party credit bureau who continually are buying and monetizing off my public information. I have sent demand letters to XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. After reviewing my credit record, I found late payments listed that I dispute. Despite sending letters over 30 days ago, I have yet to receive a response, and they have failed to provide satisfactory validation. I respectfully request your assistance in resolving this issue.
Product: Credit card or prepaid card

4 Transactions were placed using my Chase Credit Card. The dates were : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX I have reported this 3 times to Amazon and reported that packages I did not want or request were sent to me. I explained that the card used for the transactions was not the card associated with my Amazon account. I was directed to Chase Bank to dispute the charges and claim it as fraud. 

My Chase card has a Zero Liability Benefit that is one of the main reasons, I kept my account with Chase. I have tried working with Chase Bank to resolve this since XX/XX/2020. I have had my investigation reopened twice and I am being told that i will am responsible for those charges made. So I am guessing that whoever made these charges will be allowed to keep making them and I just get to front the bill then? This also means that the zero liability benefit is not a valid benefit either. 

I contacted Amazon on : XX/XX/XXXX- I had chatted a representative about 3 transactions that were unauthorized. She had agreed that the account did not match my information and had a different phone number. She told me she would refund the charges. I had told her that I received packages and gave her the order numbers. Because I could not verify the account details, i was unable to file anything or send back the packages. 

XX/XX/XXXX- A new recurring charge was charged by Amazon . I called and was told that they would not be opening an investigation nor would they be able to report the fraud account. I would need to dispute it with my bank. 

XX/XX/XXXX- I called again and spoke to a supervisor, XXXX who explained the same thing as the representative on XX/XX/XXXX. I asked the supervisor for contact information where i could file a complaint. I then sent an email to XXXX I spoke to Chase : XX/XX/XXXX- Received an email about a fraud charge. I then checked my statement and noticed multiple charges that were unauthorized. I spoke to a representative who disputed the charges and closed the card. I was issued a new card. 

XX/XX/XXXX- Noticed another charge for an Amazon Prime account. I had canceled my prime account on XX/XX/XXXX, so there would be no charge for XX/XX/XXXX. 

XX/XX/XXXX- I had received a notice on my account stating that the investigation was closed and because Amazon confirmed that the packages were sent to my address ; that it must have been me who ordered it. So i was being told to pay the balance. I spoke to a representative who reopened the investigation. I sent in proof that it was not from my account. 

XX/XX/XXXX- i logged onto the Chase website and saw a new notice. It stated that the transactions are valid. So i am being required to pay for four different transactions equalling close to {$100.00}. 

At this time, Chase is not abiding by their Zero Liability Benefit and is requiring that I pay money I did not authorize to be spent. No one else has access to my bank accounts. 
Amazon will not let me send back the packages because I can not request a refund from an account that is not mine.
Product: Checking or savings account

Company Closed my account and hasn't dispersed the funds left in the account I have waited over a month to receive the check they apparently sent but have refused to provide a tracking number for and have given me 3 different answers as to when it should arrive stating 14 days to next week to it arrived on the XXXX with no proof of delivery I have spoken with everyone in the household and no one has seen a check from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inquires on my credit report and you guys said they're authorized and they are NOT! 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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. 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Following account ( s ) are reporting incorrectly an must be removed immediately : Derogatory mark - XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX, Closed : XX/XX/XXXX I would like to be provided proof I consented to these accounts Via FCRA section 609 and 605 as well as the accuracy of these account via FCRA section 623. If you have no proof immediately of any or one, I would like them removed immediately. Thank You