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

My checking account was closed out in XX/XX/2018 due to what the bank claimed as insufficient funds. The account did go into the negative, but would've been offset by the credit that the bank manager at XXXX XXXX Branch in XXXX GA was supposed to make. Upon opening the account I was qualified for a new customer bonus after I used the debit card 8 times within the first month. Well, the branch mailed the debit card to an address that was never mentioned when I opened the account ( which happened to be an old account for my old ESPP account ). The card was bounced back to the bank 's operating center and I requested a replacement, which was also sent to the wrong address. No clue as to why they never mailed to the address specified when I opened the account. Finally, the third time ended up being a charm as I received it but it didn't allow me to use the card the minimum of 8 times within the first month of being open. I went into the branch for assistance and ended up being assisted by the manager over the phone ( as he was on lunch when I went in ). It was determined that he would debit his GL for the {$150.00} as it was bank error but this was never done. If he had credited my account, it never would've went into the negative. Now I have a charged off account and it was reported to XXXX XXXX falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on XXXX, Equifax, and XXXX. All have different Amounts, a past due amount on collection items and I have a payday loan that was deleted and now is back on my credit report. I filled a dispute on XX/XX/XXXX for. XXXX which is {$1100.00} XXXX for {$3300.00}. The vancehuffman account doesnt have the right address. XXXX Now has different amounts on all XXXX credit bureaus. Its a closed account with a past due balance of {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit reports. The credit report showed my student loans which I did not authorizie. I understand that it shouldn't be allowed to put on my file unless I have authorized it. 

According to 15 U.S. Code 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I notified the Credit Bureaus on XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX. 
Notifying them that they do not have my legal consent to share my information. 
The amount of my Student loan is XXXX. 
I notified them stating that I have sent letters certified mail because I needed prompt response to this issue.
Product: Vehicle loan or lease

I have an open case w/ Ally Bank but this is in addition to that. XXXX In order to register my car I need them to send a verified title to the Illinois XXXX XXXX XXXX. I have called so many times. They do not return phone calls. I have left them messages on XXXX and they say someone will call and they don't. I must get the info this week or the car will not be driveable due to no plates. Please help me. 
Here 's a sample of the XXXX messages I've sent in the last 10 days. After XXXX months they did solve the issue with not being able to make payments but I don't have time to wait another XXXX months to not be able to register this car. 


XX/XX/scrub>XX/XX/XXXX XXXX XXXX sent I have left messages twice for XXXX this week and he has not gotten back to me. I have an issue that has been going on since XXXX. I have already filed one complaint with the consumer financial protection agency and Im about to do another since I cant register my car due to your neglect. 
XX/XX/scrub>XX/XX/XXXXXXXX Ally Ally Not what we like to hear, XXXX XXXX Please send us your full name and phone number, so we can help. XXXX Wed XXXX You sent I have now left my third message in a week with no contact back. I have XXXX weeks left of getting what I need or my temporary license plates expire. Here is what I need ASAP : Please send a copy of the title directly to the facility ( not my home address - it MUST go directly to them or they won't accept it ). Addressed to " XXXX of XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Attn : XXXX Department. Include my phone number in the package. XXXX. Please provide the tracking number as soon as it is sent. XXXX XXXX, XXXX, account # XXXX, phone number XXXX XXXX XXXXXXXX Ally Ally Understand your frustration, XXXX XXXX We've passed your contact information along to our team and someone will be in touch soon. XXXX XXXX You sent Hi- I'm now at my XXXX message left for XXXX at XXXX XXXX. I've sent multiple messages here on XXXX and I've received no calls back at all. PLEASE HELP! I MUST get info this week. XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I'm currently using paypal credit, they have changed my due date without any notification and all these time I've been charged for late fee every single month because my due date was changed with out any notice.
Product: Student loan

Hi, I made several payments to my nelnet student loan account during the covid pause. I was initially told that payments made during this period would advance my due date ( if I selected the box to do so, which I did ) once the covie pause ended. When I got my first statement after the pause ended, the date was not advanced. The first rep I spoke with insisted that the date should have been pushed out due to the extra payments and that they would submit a ticket and follow up with the new date. They never followed up so I called and was told that no, payments made during the pause didn't not advance the due date. I called to change my plan to the standard plan and was told that my monthly payment would be close to {$300.00} a month. The new payment I now owe shows {$200.00} with XXXX payments left of my loan in some places and XXXX in other places on their website. After waiting on hold for almost XXXX hours, I was told it was XXXX. My monthly payment amount XXXX would be less money than I owe on my loan, making this not make sense. Every time I contact nelnet I get a different answer. In my opinion this company is uneducated and I do not trust them to hold my loan if they can not give correct information.
Product: Checking or savings account

In 2023, I was reached by individuals acting on behalf of and/or through the Internet-platform XXXX. he individuals contacted me, explained to me and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills on my side, these persons persuaded me that they are completely legitimate, which influenced also my decision to invest substantial amounts on their platform. At a later stage, my research shows that there have been published numerous warnings against said platform that clear evidence that the platform XXXX / XXXX XXXX XXXX, does not have a license to trade regulated financial products such as they advertise on their site. Deceiving me and promising substantial and rapid return of my investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. I was deceived that these payments are for funding my segregated financial investment account, but no part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX / XXXX XXXX XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their clients. Therefore, we assume that all payments were laundered by the Merchant and I was put in deceit that I can really place trades and participate on regulated financial markets. For a certain period of time after an imaginary investment account, I had access to my account with XXXX / XXXX XXXX XXXX  After a while, my personal profile was closed without my consent, and all my attempts to get my funds back into my " investment '' account were unsuccessful. As a result of the interaction with the aggressive Merchant, I lost USD XXXX, -- ( XXXX Dollars XXXX XXXX and XXXX XXXXXXXX ) paid in series of transactions within a short period of time in XXXX XXXX. 

All transactions were initiated through my account with BANK OF AMERICA. 
BANK OF AMERICA never warned me about potential risks associated with those payments. I have tried to resolve the issue with BANK OF AMERICA. On XXXX, a Letter of Demand claiming compensation was sent to the bank. As of the date of this complaint, the bank failed to provide me with a feasible compensation offer.
Product: Debt collection

Company National credit system They dont want reduced my account I paid XXXX XXXX.on XX/XX/2022 Balanced {$2800.00} they dont want reflect in my credit beareu.when I try to talk whit the representative he used abused language whit me and he increase my amount again .I request a letter whit balanced because in my statement is paid in full they never send to me thats affecting my credit.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX, TX, undefined XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My primary personal credit card 's balance ( a XXXX XXXX Visa ) is reported to the 3 credit bureaus based on the outstanding amount owed when the statement closes. This date is between the XXXX of each month and 95 % of the time is the XXXX of each month. 

However in the month of XX/XX/2020 a balance was apparently reported ( incorrectly ) mid statement, on the XXXX. XXXX XXXX XXXX executive office assured me that they did not report a balance on the XXXX. However all three credit bureaus showed that they did. 

I disputed this incorrect balance with all three bureaus and Experian reviewed and closed the matter as of today. While Experian is now correctly reporting my XX/XX/2020 statement balance, Experian did not correct the corresponding ( and erroneous ) deduction of points from my score based on the error. Were this a matter of a few points I wouldn't go to this trouble. 

However - Experian deducted 25 points from my credit score solely as a result of the erroneously displayed balance increase from under {$500.00} in XXXX to under {$1200.00} on XX/XX/XXXX. The correct balance for XXXX of under {$200.00} is now reflected by Experian and yet the issue of the massive damage to my credit score has not been resolved. 

I believe I am entitled to a fair resolution of this issue under the FCRA and am requesting CFRB intercede on my behalf. At this time I am only asking for the CFRB to take action as it pertains to Experian as the other two bureaus have yet to complete their response to my disputes.
Product: Checking or savings account

Compass bank made sure to put my account - {$3.00} despite having the funds in there so they could charge a NSF fee of {$38.00}. I had transfered {$20.00} which made it to the good but they put the other charge through first to make sure it was negative. With that, it cause my account to be negative again when my XXXX  for {$3.00} went through. I want to make sure the negative {$38.00} is refunded due to their illegal tactic to charge bogus fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of Complaint # XXXX, have it been corrected at XXXX  and closed both at XXXX and XXXX  now both Equifax and XXXX  decided to to lower my score 60+ points, because of the same complaint. 
My mistake was only adding one of the three credit reporting agencies.
Product: Debt collection

In early XX/XX/2018 I contacted XXXX to find out what the bill was for. They advised it is an XXXX XXXX XXXX Bill. Ive contacted XXXX XXXX XXXX several times because I was billed a cancellation fee when i still had services. In XX/XX/2018 I entered an agreement with XXXX to pay any debts associated it them and another company. XXXX has continued to call despite the arrangements.
Product: Credit reporting or other personal consumer reports

i would like this to be removed form my cedit as soon as you get my identitytheft report this is the XXXX time i send it to all XXXX credit bureau XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

GS services has committed perjury through mail. They have tried to collect an ALLEDGED debt from me and in doing so they claim that XXXX is the ORIGINAL CREDITOR. This is a false representation of a consumer transaction and they are using this lie to try and get me to pay a debt that is not mine and which I do not validate. In any consumer transaction the CONSUMER is the original creditor because they extend their credit and this is defined more in the TRUTH IN LENDING ACT. GS services knows this and decided to lie to collect money from me. They also violated FDCPA law 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; They sent me mail stating that I owe a debt which is against the law for them to do so. I have attached both pieces of mail, one of them falsely stating that I am not the original creditor and the other of them saying I owe a debt. I demand for this collection to be removed from all of my consumer reports and I demand monetary remedy for violating my consumer rights.
Product: Bank account or service

This complaint is in regards to not being able to resolve a problem with JP Morgan, CHASE Bank. 

I Believe I was hit with a predatory overdraft fee. I have always been notified as soon as my account gets over drafted so I can make the required deposit in time to avoid any fees. But this time I was notified the next morning at XXXX AM EST, that my account was overdrafted on XX/XX/2016 and not on XX/XX/2016. Looking back at my transaction history, the overdraft fee was caused by a transaction posted to my account on XX/XX/2016 at XXXX XXXX according to a Chase Customer Service Representative. This is an unfair fee because even if I had time, which would only be XXXX minute to make a deposit on the same day to the account it would not count until the next day because according to chase all deposits after XXXX EST, will be taken as a next business day deposit transaction still hitting me a overdraft fee. So why is that the transaction was posted the very last minute, leaving me no choice on getting hit with a overdraft fee. After contacting Chase customer service, I was unable to resolve the issue, causing me to submit a complaint with the CFPB I wanted to resolve this issue directly with Chase, as I have been a customer of theirs for XXXX years, but after this problem and what seems predatory fees, I will be switching financial institutions. In essence, Chase is saying the overdraft transaction happened on XX/XX/2016 at XXXX according to their text I received at that time. After which then looking at the cause of the overdraft, it was for a transaction that went through at XXXX XXXX on XX/XX/2016 If Chase is going to charge customers overdraft fees until XXXX EST, Then I should also be allowed to make deposit that would count sameday into my account until XXXX. This is unfair and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Solutions Corp is reporting an incorrect date on two accounts that originated with XXXX XXXX XXXX XXXX XXXX. I took both loans out between XXXX. I had a financial hardship at the time and was not able to pay. The last payment no later than XXXX maybe XXXX. Credit Solutions Corp in a effort to capitalize on my situation has the date of XX/XX/XXXX which is completely false. I want them to provide proof of a payment made on any of the two accounts in XXXX.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : 1. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

2. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

3. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

4. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

5. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft.

Additional Legal Support : The cases Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a victim of identity theft. An identity thief used my personal information without my permission to open accounts and make purchases with Chase credit card. This debt is not mine. I did not authorized anyone use my personal identification information opening fraudulent accounts.
Product: Credit reporting or other personal consumer reports

XXXX stated there are charges showing with my ssn beginning 2023 with Cherry Technologies , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, Phone ( XXXX ) XXXX With several balances totaling {$5200.00}. 

XXXX stated they confirmed with the company that it was me. I called the company ( Cherry Technologies , Inc. ) and verified the phone number was incorrect, the spelling of my name was incorrect and the email was not mine. 

With that being said ; the SSN I gave them was exactly my SSN. They made a ticket and it is now being processed and flagged. 

I feel I still want to continue with this due to I do not want this person to use my SSN to try and get another credit card or anything further.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert that XXXX had performed a hard inquiry on my credit account, I do not know who these people are or what this company does or how they got all my personal info. I attempted to contact this company, their phone lines aren't monitered. I emailed them and they claimed they were owned by Self. I then contacted Self Via phone and email, their phone reps said it was a mistake made by XXXX, and it was not their fault at all. THEN I contacted XXXX Via phone and XXXX, their XXXX rep confessed it was their fault, however their phone rep claims it was XXXX. So at this point I was very confused, everyone admitted it was a large mistake, they just didn't want to accept blame. 
I started to do some research, apparently this happened to a LOT of people. By this point Self and XXXX hae thid posted on their XXXX page about this, you can check them out for a better idea of how many peopls mistake affected. Today, XX/XX/XXXX XXXX has admitted fault and claims it will be removed from my account ASAP, but no one would ever tell me what they were doing with my personal information, and how they intended to use it. I understand to them it may have been a mistake, but this is my life they are playing with, Self claims it will take weeks even IF they remove it for it to fall off my account, and there's no guarantee that my credit score will recover after this is fixed. Please look into this. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CREDIT MANAGEMENT is currently reporting on all three major consumer reporting bureaus that I owe their company {$2200.00}. Reporting started on XX/XX/ and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.