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

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning matter regarding an unauthorized membership and checking account that has been opened in my name with Navy Federal Credit Union. I am seeking your assistance in resolving this issue promptly and ensuring that my personal information is protected from further misuse.

Recently, I discovered that a membership and checking account were opened with Navy Federal Credit Union in my name without my knowledge or consent. I have no affiliation with Navy Federal Credit Union, nor have I ever initiated any account opening process with them. It has come to my attention that my personal information may have been compromised or misused to fraudulently establish this account. 

The unauthorized opening of this account not only poses a serious threat to my financial security but also raises concerns about potential identity theft or fraud. I am deeply troubled by this situation and wish to take immediate action to rectify it. 

I hereby request that the Consumer Financial Protection Bureau intervene on my behalf to investigate this matter thoroughly. Specifically, I am seeking assistance in : Verifying the authenticity of the membership and checking account opened with Navy Federal Credit Union in my name. 
Taking necessary steps to delete and close this unauthorized profile and account associated with Navy Federal Credit Union. 
Ensuring that my personal information is removed from Navy Federal Credit Union 's records and that no further unauthorized accounts are opened in my name. 
Providing guidance and support on how to safeguard my personal information and prevent future instances of identity theft or fraud. 
I am prepared to cooperate fully with any investigation and provide any additional information or documentation required to resolve this matter expeditiously. It is imperative that swift action is taken to protect my financial interests and prevent any further harm resulting from this unauthorized account. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost urgency and professionalism. I appreciate your attention to this issue and look forward to a prompt resolution. 

Thank you for your assistance in this matter.
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 XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XX/XX/XXXXXXXX {$1800.00}XX/XX/XXXXXX/XX/XXXX XXXX {$2200.00}XX/XX/XXXXXXXX XXXX {$5400.00} 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, 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 and crimes which antedates the report by 7 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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for reporting several accounts on my credit file that are the result of unauthorized use of my Social Security number. These accounts were not opened by me and are not connected to any actions I have taken. 

Under 15 U.S. Code 1681c2, I am requesting the immediate removal of the following accounts from my credit report within 4 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 's failure to properly investigate my dispute mirrors the issues highlighted in the recent CFPB action, which required Equifax to pay {$15.00} million for improper credit reporting investigations. The CFPB found that Equifax failed to conduct reasonable investigations, provided inaccurate results, and allowed errors to persist on consumer credit reports, which has significantly harmed consumers like me. 

Attached to this complaint is a dispute letter that I sent to Equifax on XX/XX/year>, which is dated and time-stamped. Despite this, Equifax has failed to resolve the matter appropriately. 

I have also included proof of identity and an FTC report to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX XXXX XX/XX/XXXXfor summer and fall sessions. I moved from XXXX to XXXX Florida for a family emergency in XX/XX/XXXX. I never received any emails or forwarded mail about my payments or when they would be do. I check my credit periodically and noticed in XX/XX/XXXX that they hit my credit score saying that my payments were late by 120 days and 90 days. I immediately called them and explained the situation and they stated that they could not take it off my credit. I have submitted multiple disputes but none will go through. I have showed that I make all of my payments on time and plan to continue to make them until the loan is paid off.
Product: Checking or savings account

Our business account with PayPal was compromised in XXXX of XXXX by a person hacking into our account and charging out of state people, adding their own personal information and sending themselves thousands of dollars. We reached out and were provided a quick resolution by PayPal. We secured our account and made it more difficult for someone to do that again, but noticed XXXX XXXX our account was over {$3000.00} negative. We again reached out right away and were told they rescinded the decision from XXXX and it was in fact PayPal who removed our funds. No call, no letter, no communication and no ability for us to provide all of our proof that this was fraud from XXXX. The resolution page shows this most recent decision is in our favor, yet our account still negative and Im receiving debt collection calls daily from PayPal. From our social media post about this incident, we were reached out to by an PayPal employee that he would work on this and get back to us. Hes the only one thats been helpful and attempting to get this fixed. He told us wed have an answer around XX/XX/XXXX and we are still waiting. We can not keep our doors open with a negative balance and have had to close our XXXX XXXX We have had XXXX funds for one whole month and have gotten zero resolution from this case. The notes in the case closed section say in sellers favor however we are still unable to access funds and getting harassing calls daily! We both work other jobs and have had to take time off of work to deal with this, along with pain and suffering to XXXX XXXX  This must be fixed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion have received numerous documents for a bankruptcy dispute that was made in error at sc bankruptcy court Transunion has playing games about not having documents and lied about not receiving the documents about bankruptcy. I have attached the letter from SC Bankruptcy court about this Bankruptcy. Please take action and penalize Transunion about this situation its has been 4 months
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the account referenced below and request detailed proof of compliance with XXXX XXXX XXXX. 

Account Information : Account XXXX Creditor : Aldous XXXX Company I believe that this account is not properly validated and is inaccurate for the following reasons : Lack of Proper Validation : The debt has not been validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I have not received any documentation that substantiates the validity of this debt. 
Improper Handling of Personal Information : I have reason to believe that my personal information has been mishandled, leading to inaccuracies in my credit report. 
Failure to Correct and Delete : Despite my previous requests, it has been over XXXX  days, and the issue has not been corrected or deleted from my credit report. 
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. I feel that I am being taken advantage of due to the lack of proper validation and the mishandling of my personal information. 

Request for Detailed Proof of Compliance : I request that you provide detailed proof of compliance with XXXX XXXX XXXX, including but not limited to : Documentation validating the debt. 
Evidence of proper handling of my personal information. 
Proof of timely correction or deletion of the disputed information. 
Please consider this letter as a formal dispute and a request for investigation. I expect a response within XXXX  days, as required by law. If the requested information can not be provided, I demand that this account be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. 

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

This is my sixth 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 alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Checking or savings account

Recently, I encountered a distressing situation concerning my bank account with CitiBank. On XX/XX/XXXX, I received a notification informing me of the imminent locking or restriction of my account, with eventual closure within 60 days due to an alleged violation of the terms of my account agreement. 

This news caught me off guard, as I have always made it a point to adhere strictly to all the terms and conditions associated with my account. What's more troubling is the lack of transparency regarding the alleged violation. Despite my persistent inquiries, CitiBank  has consistently refused to disclose the specific term or terms of my account agreement that have purportedly been breached, leaving me feeling confused and frustrated. I firmly believe that as a customer, I have the right to know the exact nature of the violation that has prompted such drastic actions against my account. Moreover, I urgently need access to my funds to withdraw them without further delay, as they are essential for my daily financial needs. Simply, if I can not access my funds, I can not pay my bills and support myself or my family.

Adding to my dismay is the treatment I received while attempting to resolve this issue with CitiBank 's customer service representatives. Not only was I abruptly disconnected from calls, but I was also subjected to unwarranted threats of investigation. Such behavior is unacceptable and reflects poorly on the professionalism and integrity of CitiBank 's customer service department. 

Given the mishandling of this situation and the disregard for my rights as a customer, I am considering filing a formal complaint with relevant authorities. If my requests for information and access to my funds are not addressed promptly, I may explore legal avenues to ensure the restitution of my funds. Additionally, I reserve the right to pursue claims for emotional distress caused by the unjust threats made against me. 

The treatment I have received and the withholding of my property without consent are clear violations of my rights as a customer but this is not an isolated incident. Go ahead and make a quick google search, many people have had this problem with Citibank. Something must be done to disable this predatory bank from continuing its outrageous conduct.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I called Chase XXXX to dispute a charge on my account from XXXX XXXX  for {$86.00} that appeared on XX/XX/XXXX. This charge was made electronically, one day prior to my actual stay at XXXX, where they charged me approximately {$100.00}, on XX/XX/XXXX. I originally disputed the XX/XX/XXXX charge as a duplicate payment. Chase reversed the charge and agreed to investigate with the merchant. 

On XX/XX/XXXX, without any notification from XXXX hotels or Chase, the charge was reapplied as a 'rebill '. I called Chase on XX/XX/XXXX, to inquire, and was told that the merchant had submitted 'documentation ' to say the charge was 'valid '. They would not disclose what this documentation was nor provide me with a copy. They simply informed me that the charge made on XX/XX/XXXX for {$86.00}, was a 'reservation ' charge that was 'non-refundable '. As I had never logged onto an XXXX website to submit my credit card information, and paid in full for my room in person, this explanation makes no sense. I made my reservation with a website called XXXX, and at no time was I informed that my payment was a reservation charge or that it was non-refundable. At no time did XXXX appear as the merchant submitting the charge or as the merchant explaining the charge in response to my dispute. At no time did XXXX disclose to me that 'reservations ' are non-refundable. At no time did I log onto an XXXX website, and therefore at no time did an XXXX website inform me that reservations are non-refundable. As such, I'm being charged {$86.00} by XXXX, to which I never submitted credit card information, to pay for a room I never stayed in. I think this is a simple case of XXXX taking funds for services they never provided, and Chase refusing to do an adequate investigation of the situation, and refusing to uphold the legal requirements to protect their customer.
Product: Mortgage

On XX/XX/2018 I received a postcard ( that was delivered to my neighbors residence ) containing the following : Full Name Address Estimated home Value The amount still owed on my home amount of cash available to me The remaining term of my current home loan While I understand much of the information is public record, my current financial information is not. This information has now been shared with parties outside of my family without my consent.
Product: Credit card or prepaid card

I hace a crdit card with Mster Card that i Pay through First Bank for over 10yrs. Last month XXXX i didnt recive my statement, but i pad 2 days before its deadline the XXXX. 

On XX/XX/2020 i called XXXX XXXX XXXX XXXX, i spoke yo XXXX XXXX. I explained i hadnt received statement of but i had made payment on time. He said a {$4.00} charge Is applied for a copy of a statement, and interest Is also applied towards that amount.This payment was for XXXX The strange thing Is that i received the copy of the statement in 4 days from the call i made them, i received It on day XXXX. 

I shoud have received by now the XXXX statement and havent received It yet. How Is it that i dont receive statement but i receive the copy which cost me $ XXXX interest. 

Again this month, i will ve paying without my statement. Its obvious to anyone to know the game they ar playing. 

Its more than resonable that they crdit me all the 2x {$4.00} charges and interest. i have PERFECT payment history and paying over minimum 100 , % of the time, paying them even when under these dificult times. 

My name : XXXX XXXX XXXX /telXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PR XXXX My email : XXXX Please. advice, XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- PERSONAL ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

An XXXX loan was open with XXXX XXXX in my name for the amount of XXXX  a year and XXXX months ago. I was unable to get any additional info from XXXX XXXX and am unable to take the necessary steps to remove it from my records as a consequence.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY 17 WRITTEN REQUEST There are items on my credit reports that are being reported incorrectly and I have proof this is negligent by the credit bureau as you guys arent following the FCRA Laws and are in violation of several Laws on my credit report Ive send out several laters and even file complaints through CFPB you guys arent following the laws I havent received any contracts or proof that accounts on credit reports that were disputed belongs to me from the original creditors I ask the credit bureau to send me steps that were token to validate the accounts because this is clear fraud by both credit and credit bureau these accounts are being reported incorrectly and doesnt belongs to me and I ask that you guys remove the accounts immediately. Identify theft reports were already filed and send out to the creditors and bureau this is and is an crime you guys are violating my rights and needs to remove the accounts below from my credit report or I will have No choice but to sue both creditor and credit bureau. 

ACCOUNTS : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX 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 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 seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my letters to the bureaus. I told them to investigate every piece of information on the accounts i have listed which are XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX OPENED XXXX XXXX. 

According to the FRCA the term investigative consumer report means a consumer report or portion therof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate.
Product: Checking or savings account

Lake Michigan Credit Union [ LMCU ] has continued to charge me overdraft fees and nsf fees dispite numerous attempts by myself to remove the so-called " overdraft protection '' from my acct.

I was able to successfully unsubscribe from the checking acct. and they did not tell me that I needed to do a separate form for my savings account. I then went back to do this for my savings account, but then it started on my checking account AGAIN!

They informed me that everytime I get a new debit card I have to go back in and resign the forms.

Then I STILL received more fees. I was told that if I have an auto-bill pay setup then it would happen again. I understand and went to the different companies that auto debit and asked them to stop. XXXX of them [ XXXX, XXXX XXXX, and XXXX XXXX ] would attemt to withdraw multiple times FOR THE SAME TRANSACTION and I would get a {$30.00} fee each time. 

To date I have paid over {$1200.00} in {$30.00} fees on this checking account. 

I lost my job and have been to XXXX different branch locations begging for some sort of freeze on my accounts until I get a job, yet they happily continue to charge {$30.00} fees.
Product: Debt collection

LVNV FUNDING LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$820.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I have Citzin bank account. On XXXX XX/XX/2020 A friend of mine transfer {$200.00} through XXXX to my account the next day on XX/XX/XXXX {$200.00} was reversed I contacted my bank XXXX XXXX and I went to the Branch in XXXX Massachusetts to find out or gresolve this matter but theres no any solutions through XXXX or my XXXX XXXX XXXX and my friend contacted his bank which is XXXX XXXX XXXX there is no trace of this money I would like you to file a complaint to see what is this money one thank you XXXX ( XXXX ) XXXX Email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is frustrating to have such unrecognized hard inquieries, plese help me with these
Product: Student loan

Please remove student loans from credit reporting bureaus XXXX XXXX XXXX Loans were forgiven XX/XX/year> Loan servicer XXXX Official Loan servicer of Federal Student Loans Services