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

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop XXXX I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( 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 which i was not given.
Product: Checking or savings account

Complaint Details On XX/XX/2022 I received a deposit of {$390.00} which corrected my negative balance with Chime. I then was locked out of my account for security reasons. I submitted documents to verify my identity to regain access from my account. I have not heard back from Chime and have not been given access back to my account. Chime is holding my {$140.00} hostage and will not give me access to use my money. 
Desired Outcome/Settlement Desired Settlement : Other ( requires explanation ) Unlock my account and give me back access to my money
Product: Debt collection

Hello, I would like assistance with two debts that are being falsely reported by Portfolio Recovery Assoc. I believe these debts to be 8-10 years old. 

They purchased 2 debts of mine... one from XXXX XXXX and the other from XXXX. 
These two debts have both been re-aged to the date that they purchased the debt and not the original charge off date. I've made numerous requests to Portfolio Recovery Assoc. and the credit reporting agencies, to date this has not been resolved. 

I just disputed the debt again with XXXX. This time I asked some very specific questions and was shocked at the answers. 
I was told that the company does not have to show any proof of the debt. I was told they simply have to reply debt is correct, this is very frustrating. 

When I reach out to the original creditor they refer you to the debt collections company. So they make you run around in circles and nobody will give any supporting documentation as to the age of the debt. 

If I am incorrect I will do the right thing but not one company will step up or provide any documentation.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits. I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
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 XXXX Account NumberXXXXXXXX Account Name : XXXX XXXX  Account Number:XXXXXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXXXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a 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 seven years.

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

On XX/XX/2021, I made a transfer to my husband 's XXXX account, mistakenly from my checking instead of my savings account. Because my husband 's XXXX account had been closed already, the funds were returned to me by the next morning. Unfortunately the transaction sent my checking account into overdraft, despite my savings account having those ample funds, and I was charged several {$35.00} dollar overdraft fees, which I was able to contact Bank of America about and reduce to one payment. Unfortunately they also charged me 3 separate {$35.00} NSF returned item fees for that day, XX/XX/XXXX. When I spoke to Bank of America on XX/XX/2021, via phone, they refused to refund any of these fees. I can see that Bank of America has an established pattern of these predatory fee practices, and were implicated in a class action lawsuit on XX/XX/XXXX of 2021. Unfortunately it seems it has not encouraged them to amend their ways and they are still engaging in these practices. While I agree it might be reasonable to pay XXXX dollars for an overdraft fee, and potentially XXXX dollars for an NSF fee, the imposition of multiple fees per day seems unfair and improper, and I see the courts agree with this stance. I would like to have any of these fees refunded to my account.
Product: Prepaid card

I opened an account with Greenlight. While it seemed legitimate the fees ended up being exorbitant and the onboarding process was chaotic. 

I attempted to follow the online procedure but it didn't actually work. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When I called I was told that the department that handled that was closed and that they would have to call me back. There was no way to contact them directly. 

This whole process seems scammy and weird. I just want to close my account and get my money back.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries that have recently appeared on my credit profile. Upon reviewing my credit report, I discovered these inquiries, and I can assure you that I did not authorize any entity to access my credit information for the purposes indicated by these inquiries. 
i have raised this concern a few months ago but it was not properly addressed. 
I request that you conduct a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report. Additionally, please provide me with written confirmation once these inquiries have been removed. 
thanks
Product: Credit card or prepaid card

Chase credit card online changed their website. It used to be that I could schedule a payment date. This time, it took my payment immediately effective today for over {$3000.00}. I called immediately, answered security questions. She was unable to cancel the payment. The place online where I was directed didn't work. I was transferred to another department, answered her many security questions and was again told she couldn't cancel the payment and that there was no recourse.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Records are still outstanding to this dispute and act or action of FRAUD. 

To Whom This May Concern : I need a formal written communication letter from XXXXXXXX XXXX XXXX legal department showing that such regulations in the XXXX XXXX XXXX Credit Bureau where they have such rights to impose upon credit cardholders the rights to obtain such Internal Revenue Reports on consumers under Form 4506-C. A Form 4506 has nothing to do with a credit card dispute or a credit file inquiry. If such does produce such regulations stating such.

I too need the Department of Veteran Affairs Form received completed and signed off on under such record verification process. VA XXXX XX/XX/XXXX XXXX, I signed off on and consented to receive such records before making a charge to any credit card on file or record. Where are those records under such signed authorization? All records must be dated before charging such a credit card on file and such reporting to the credit bureau as a line of credit extended or authorized by the cardholder. Where are such official and legal records? I need such official records that should show and tell anyone or everyone, that I am responsible for something that I never authorized. XXXX has nothing to do with my Income Tax Return and to have such business in sending me some Form 4506-C. XXXX XXXX XXXX Legal Counsel is requested as requested before to cause this matter that is still not solved to this date. 

These records are still missing from the Consumer Financial Protection Bureaus System in nature to the event and activities conducted from XX/XX/XXXX XX/XX/XXXX under credit card number ending in XXXX. Where there is a charge, there are official and legal records. 

I need these records attached under an official and legal signature from someone in the legal department that you should have by now. I need these records under your next response for the records... 

Sincerely, XXXX XXXX XXXX Customer CC : Legal Review
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I went to a XXXX dealership to purchase a new car. They ran a credit application threw XXXX XXXX  ; SageStream LLC was the reporting agency. On XX/XX/XXXX I wrote them a letter requesting a copy of my credit report, no responds. I again wrote them a letter on XX/XX/XXXX and this time I included a copy of my driver license and a copy of my SS card per the instructions on their web site and still no response. I have tired using their web site but that is nothing but a joke, you can't even request a copy of your credit report because it does not work. It is obvious they are not working within the law since they are not responding to my letters or providing a copy of my credit report that they say they have.
Product: Credit card or prepaid card

I received a notice XX/XX/2019 that my credit card account was being forcibly closed. This is likely to affect my credit score as it is my oldest account. I filed a Better Business Bureau complaint and spoke to someone from the Executive Office today, XX/XX/2019. 

I have dealt with other companies that send a reminder before they close your account. This is a much more customer friendly and facing policy than the draconian nature in which Capital One dealt with my account. 

I believe that giving the consumer the option to maintain an account is a better policy, and as a result I will no longer give business to CapitalOne now, or in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, an account with XXXX XXXX XXXX was settled and deleted from my credit file. I was listed as charged off and was reporting erroneous late payments on my Equifax credit report. For 2 years I disputed the information because the payment history was incorrect. 

In XXXX, XXXX XXXX XXXX admitted to their errors and requested from ALL THREE CREDIT AGENCIES that the information be completely deleted from my credit file. XXXX and XXXX did this immediately. Equifax willfully ignored the demands, even after my disputes and notifications from XXXX XXXX XXXX. After 4 requests the information was removed in XX/XX/XXXX, but Ive incurred humiliation, defamation and denials due to their willful negligence. Their lack of due diligence has caused harm to my person and my family. Had they done their jobs entirely and VALIDATED AND VERIFIED the information, it should have been removed after the erroneous information was reported in XXXX. 

My consumer rights have been violated! 
FCRA SECTION 623-FAILURE TO REPORT DEBT AS DISPUTED FCRA SECTION 623-DEFAMATION< WILLFUL INJURY FCRA SECTION 611 ( A ) -FAILURE TO RESPONDS It is THE OBLIGATION of the Credit Reporting Agency to report accurately and EQUIFAX HAS FAILED ONCE AGAIN XXXX 

I attempted to remedy this situation via certified mail on XX/XX/XXXX, to no avail. I have resent an additional notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 15 U. S. C. 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I have attached copies of my credit report showing that the information they provided does not match and its inaccurate
Product: Checking or savings account

I have a checking account with Schwab Bank. On XX/XX/2023 I attempted to withdraw {$100.00} from a bank at the XXXX XXXX  in the XXXX. The first transaction failed. So, I attempted to make a second attempt which succeeded. When I got home, I discovered I was charged twice. I promptly reported this to Schwab. Since then, I have been given provisional credits that were then reversed twice. Schwab says they contacted the bank twice and were told that the bank said they were correct. Schwab 's position is that is the end of story and they need to do nothing else. I have asked for some evidence and asked if I could speak to the investigator. They have refused to provide that. I have banked with them for decades and this hardly seems fair. Seems there are likely some type of regulations. Can you help me. I am attaching a message I received from Schwab today.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found this account XXXX account number XXXX on my credit report that were not opened by me. Also three addresses that does not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX twp and XXXX XXXX XXXX. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by EQUIFAX. This has caused me financial injury and defamation of character. I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit, which is needed during this time in pandemic. This is not only affecting myself, but my children and family as well. Delete these inquiries and accounts immediately! 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX DEPT OF ED/XXXX {$23000.00} XX/XX/XXXX DEPT OF ED/XXXX  {$3900.00} XX/XX/XXXX DEPT OF ED/XXXX {$3600.00} XX/XX/XXXX DEPT OF ED/XXXX {$3000.00} XX/XX/XXXX DEPT OF ED/XXXX {$1800.00} XX/XX/XXXX DEPT OF ED/XXXX {$2300.00} XX/XX/XXXX DEPT OF ED/XXXX {$2300.00} XX/XX/XXXX DEPT OF ED/XXXX {$7400.00} XX/XX/XXXX DEPT OF ED/XXXX {$3700.00} XX/XX/XXXX DEPT OF ED/XXXX {$2700.00}
Product: Money transfer, virtual currency, or money service

I submitted a complaint previously. Please refer to XXXX # XXXX. Please note all documents have previously been submitted to CFPB. 
Neither financial Institution XXXX XXXX or Citizens Bank have resolved this issue to date. Two insurance checks were stolen and the funds have not yet been returned to me. The individual that stole the checks have basically gotten away with fraud and thievery.
Product: Payday loan, title loan, or personal loan

To Whom It May Concern : When applying for this loan, I agreed to also open a personal checking with the institution in exchange for a lower monthly payment/rate on the loan. However, I have made multiple attempts to reach out with questions related to my loan and the process of switching my checking account, and they are impossible to get ahold of. Ive submitted inquiries through their automated system that never get answered ( but I do receive request received emails so I know they were properly submitted, as well as later feedback requested emails even though my questions are never answered ). I have attempted to call them and the phone system is a ) EXTREMELY poor audio quality and almost unintelligible ; and b ) just a never-ending hold system, with no information on where you are in the queue, or ability to leave your number and receive a call back later. I submitted an email complaint about these issues because I do not want to switch my checking over to an institution I cant get a timely response from should I run into any issues with my personal banking. I was told by a representative named XXXX that the company would not help me with my request in writing and I would have to call their customer support for a response. To me this is a red flag because I always like to have record of correspondence regarding important matters and complaints, and I think a financial institution would want the same. Also, there is the aforementioned issue of the phone system not being a practical or viable alternative.
Product: Credit card or prepaid card

Credit Karma tells people that they are pre approved for credit cards when they aren't. This has happened to me many many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX {$1000.00}
Product: Credit card or prepaid card

im not 180 days late and citibank charged my account off im seeking {$1000.00} im damages for violation of the F.A.C.R.A clear violation and im seeking damages in the amount of {$1000.00}. i should of only been 120 days late.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX