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

On XX/XX/XXXX My wallet was stolen from a locker at my gym. Before I discovered the theft the thief ( s ) had taken my ATM card to a Chase branch and had my PIN number overridden and/or reset and withdrew {$3000.00} out of my checking account. My wife contacted the Chase fraud department and reported the theft and a case was opened yet we were not notified of any additional documents or steps to take to send the case forward for investigation. On XX/XX/XXXX we contacted the fraud department again to see where our claim stood. We then were informed of additional documentation that was needed and this was faxed from our branch the same day. To date it does not seem any investigation by Chase has been undertaken into how my card was used without my personal PIN to obtain the funds. We didn't know of and were not informed by Chase that the PIN had been overridden/changed until a replacement card was received and we were not able to activate. The Police case opened with the XXXX XXXX XXXX, TX Police Department is XXXX and the detective XXXX XXXX had to obtain a warrant to even view the video from the transaction. Chase would not even inform the police which branch was involved in the fraudulent transaction. Additionally the police informed us that an almost identical fraud had also taken place and the thief also obtained funds fraudulently at a Chase branch. After the police reviewed the video it was learned that the money was taken using a drive through window and positive ID could not have been determined in this manner. Chase has also not even contacted the police for any information as to what took place. Today, XX/XX/XXXX we informed by letter that our claim into the fraud has been denied by Chase.
Product: Money transfer, virtual currency, or money service

Subject : Urgent : Assistance Needed with Funds Held for 180 Days Dear PayPal Support Team, I hope this message finds you well.and I am writing to bring to your attention an issue I am currently experiencing with my PayPal account. 
It has come to my attention that a certain amount of funds in my account has been placed on hold for the past 180 days. I understand that this measure is part of PayPal 's security protocols ; however, I am now seeking assistance in releasing these funds as the hold period has elapsed.
Product: Debt collection

Im filing a complaint about the voicemail and calls Ive been receiving and a close relative of mines received. In regards to a debt I overlooked months ago. I havent received and follow up collection effort from the company advance America sold my loan to. XXXX XXXXXXXX XXXX. The calls are threatening and misleading a company name wasnt even left on my voicemail but you threaten action.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting DEPTEDXXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY DEPTEDXXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Student loan

On XX/XX/XXXX I received correspondence from U.S. Dept of the Treasury that my my tax returned in the amount of {$3900.00} was intercepted by Navient - C/O XXXX XXXX Higher XXXX XXXX XXXX On XX/XX/XXXX I immediately contact the number listed ( XXXX ) XXXX. Since then I have spoken to several individuals who can't seem to understand why my income tax return was intercepted. This student loan was first taken out in XXXX and paid in full in XXXX. Since then I have been bullied and harassed by different collection agencies such as ( XXXX XXXX ; Navient ; XXXX and XXXX XXXX Higher XXXX XXXX. On several occasion I have requested from Navient and XXXX XXXX to provide me with a copy of the promissory note that I supposedly agreeing to for a loan consolidation. I have since then requested proof of this loan, the amount owed, the so called promissory note and have not yet received a response to my request. In XXXX they again intercepted my Tax Return which I argued and due to facing financial hardship requested they release my Tax Return. Navient pressured me into agreeing to enter into a forbearance in order to release my Tax Return. Also, as they so called it " place my loan on good standings until this loan was further investigated. Since XXXX I have received no correspondence, my numerous telephone calls have been dead ends. No documents have been provided to the legality of this so called loan. I am still waiting on Navient 's response. A class action law suit was filed against XXXX XXXX for which I received a post card and instructions that I would be entitled to reimbursement of part or all of my loan due to over-payments.
Product: Student loan

XXXX  received a phone call from Navient representativ    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   am   Offered a forbearance to get loans up but not a income driven repayment plan. Stated this was only for federal loans not private loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax Credit Bureau more than 15 times via phone and certified mail in regards to unauthorized inquiries listed on my credit report. I have explained that I did NOT authorize certain inquiries and my credit report was pulled WITHOUT my permission. Credit inquiries are not any different from any other information listed on a credit report in regards to accurate reporting.This information must be verified. I did not authorize these inquiries and Equifax has no proof that I authorized the inquiries therefore the agency should not have those inquiries listed on my report. 

I have also asked Equifax to complete an investigation in regards to these unauthorized inquiries to determine who authorized the inquiry. However, my request was not granted. I was told inquiries are factual and can not be removed. 

According to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumers have the right to dispute any inaccurate information on their credit report. I have tried to dispute these unauthorized inquiries to have them REMOVED from my credit file. However, Equifax refuses to remove the inquiries without doing the proper investigation and verification which is a violation of my consumer rights. 

I have also contacted each business directly asking them to remove the unauthorized inquiries. However, my requests were ignored. 

The inquiries that are unauthorized and should be removed are listed below : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries should be removed. They are unauthorized and Equifax has failed to properly verify who authorized these inquiries on my behalf. I have no knowledge of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 10 accounts on my credit report that are not mine these are not my accounts they don't belong to me I have not applied or used these accounts. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report an inaccurate name & address on my credit file even after several disputes and complaints being filed. 
I have been disputing inaccurate names & address on my credit. Someone who has a similar name in my area keeps showing up on my credit. I have sent proof of my identity multiple times to Experian and filed previous complaints. It is obvious the name is wrong yet they do nothing about it. 
By law they are to report accurate information and they are in violation .... 
My name is XXXX XXXX XXXX not XXXX XXXX XXXX!! I have never lived at the XXXX XXXX XXXX address ... 
that address if for another XXXX who has a criminal record and this is affecting me in all areas! I need anything affiliated with wrong names & addresses removed immediately!
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized hard inquiries on my credit report, which have adversely affected my credit score. I have previously disputed these inquiries with the credit bureau, as they were not authorized by me ; however, I've been getting the runaround. 

Attached is the letter I sent to the credit bureau disputing these inquiries. I am seeking the removal of these unauthorized hard inquiries from my credit report. I also request assistance in contacting the credit bureau to expedite the resolution of this issue. 

Below you will find the unauthorized inquires : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - XXXX XXXX Inquiry Date : XX/XX/XXXX - XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX accounts were opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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, credit repair services, or other personal consumer reports

There is a medical collection/chargeoff on my credit report that is unknown and I have aked for verification for 5 months and I get nothing from the bureaus. Also it is a charge off still reporting with a balance of $ XXXX.That is inaccurate reporting. 
this is messing up my credit report because of inaccurate information
Product: Credit reporting

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors, first national bank & XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called them on the phone all three credit reporting agencies, XXXX, Equifax, and XXXX XXXX and I have not had all of these inquiries removed that I did not authorize add explain to them I have not asked for credit in 14 months. Why do I have all of these inquiries, please remove them they have not done so and I do plant to buy a home when the rates go back down and home prices drop I want to be prepared and these inquiries are not mine or authorized
Product: Credit card or prepaid card

On XX/XX/2022 I made a transaction for {$40.00} processed through XXXX XXXX in US dollars to a merchant located in XXXX XXXX XXXX. On XX/XX/2022 I was assessed a fee of {$1.00} for making a foreign transaction. On XX/XX/XXXX I called Bank of America to ask about the fee and the associate specified that the foreign transaction fee is based upon the Merchant Address and not the processor as specified in the Bank of America Customized Cash Credit Card Agreement which says that " A Foreign Transaction is any transaction ( XXXX ) made in a foreign currency, or ( XXXX ) made in U.S. dollars if the transaction is made or processed outside of the United States. '' The associate refunded the fees and advised me to contact the XXXX in order to have Bank of America correctly process these transactions in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian as credit reporting agency did not investigate well when dispute was filed. The account was never late, the payment information the original creditor had on file never declined. The original creditor never contacted me for late or missed payment. The creditor stopped collecting the debt at its own will. And then sent it to collections. 
I contacted Experian to resolve this matter. They said they have verified the debt without fully investigating it.
Product: Checking or savings account

Had a checking and a savings account. Transferred all the funds to the checking account XXXX Went to branch to close the account. They gave me a cashier 's check and told me the account was closed. XX/XX/XXXX they credited {$0.00} interest to checking, and then hit me with a {$25.00} overdraft fee ; XXXX  they credited my checking account with {$0.00} interest and hit me with a {$15.00} overdraft fee. They sent me a letter that my account is overdrawn. I called in ( I'm on hold right now even ) and they're telling me I need to visit a branch to clear this up. 

This is ridiculous and I don't have time for this nonsense. They made a mistake. They need to fix it.
Product: Payday loan, title loan, or personal loan

I bought some item from XXXX using Affirm on XX/XX/2023 the amount was XXXX, with a month payment of XXXX. This item appeared on my XXXX report XX/XX/2023. This is a buy now pay later company. I paid the entire remaining balance off of XXXX on XX/XX/23. Affrim is reporting on my credit report XXXX. I dispute it, all Affrim did was change my remaining balance to XXXX when it should be XXXX. The dispute the amount again on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we sold and closed on our home @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThe home sold for {$380000.00} and the payoff to XXXX XXXX XXXX XXXX XXXX was {$300000.00}. This included late fees, XXXX XXXX XXXX  etc. In XXXX of XXXX I viewed my credit report and saw that only Experian had listed this account as a Charge Off, so I disputed. No changes were made. In XXXX, I submitted my lien release and settlement statement from XXXX XXXX XXXX, still no change. They stated not enough information. I contacted XXXX and they stated they did not report this as a XXXX but Affected by a Natural Disaster. We were behind during COVID but, paid everything off in full and even received Escrow funds back. I'm not sure what else I can do.
Product: Checking or savings account

In XX/XX/XXXX, my XXXX years old son was injured. Settlement was reached with insurance company, and I was assigned a manager of my son 's estate until his emancipation in XX/XX/XXXX. I have chosen to open a Call CD ( joint, under both my son 's and my name ) with then Charter One Bank in IL. It was a 60-month Call CD. It matured twice, in XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I changed the length to 20 month, to gain better return. This CD would mature a few times, with closest to my son 's emancipation on XX/XX/XXXX. Initial CD agreement required me to have a clause stating that the funds would not be available for withdrawal unless a court order allowed, OR NO FURTHER COURT ORDER WOULD BE NEEDED once my son would emancipate ( in XX/XX/XXXX ). In XX/XX/XXXX, Charter One Bank completely moved out of IL, and this CD. Closest branch would be in XXXX, OH. In XX/XX/XXXX Charter One Bank became Citizens Bank. In XX/XX/XXXX, I have received a typical notification that the CD would mature on XX/XX/XXXX. I called the bank 's toll-free number in attempt to close the CD and move the funds into a checking account. This way, my son would have a nice present at his disposal for his XXXX Birthday. What I learned during the call was that the CD was " frozen '', and required a court order to unfreeze the funds. I knew this was not the case, and asked to find out why and when the change happened. In the meantime, the CD rolled to another term, with only 0.03 % APY ( due to us being out-of-area ). What I was told later, the type of CD with Citizens Bank was " Guardian '' and did require a court order to release the money. I know this was not supposed to happen since I was the one opening the initial Call CD with Charter One, and it was not a " Guardian '' account. Citizens Bank over the phone advised me to visit a branch, explain the situation, and a branch manager would be able to override the freeze. I did visit a branch ( made a detour while on a road trip ), but was told " the account is frozen, and a court order was needed ). I am upset that the whatever change happened to the account prevented me surprising my son with some money on his XXXX birthday. I am upset having spent at least two work weeks time trying to resolve the issue. I am upset the money was taken out of state, thus making it difficult resolving issues remotely ( again, closest branch is XXXX-XXXX miles away ). I am upset the money is held with almost no return, and with no reason at all, without even letting me to reinvest with them on better terms. I am upset the Bank have not held to the terms of original contract we both signed at the time of initial account opening in XX/XX/XXXX. I am upset for my now adult son for not being able to use his money for his needs.
Product: Credit card

Information was provided that showed a document signed on XX/XX/XXXX of XXXX  with synchrony bank. I did not sign any document on XX/XX/XXXX of XXXX. I did not authorize my signature for any additional item. I did not physically nor digital sign any additional item for my credit credit card.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the furnishing and/or obtain of my credit information, as I have never provided written consent to such actions, which are required under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). 
Upon reviewing my credit report, I have noticed that certain entities may have accessed or furnished my personal credit information without my authorization or permission. Specifically, I have never signed any document granting such consent to any credit reporting agency or any of the companies listed. 
XXXX XXXX XXXX XXXX XXXX Under

15 U.S. Code 1681b, a consumer reporting agency is only permitted to furnish my credit report under certain conditions, which include my written permission for certain situations. As such, I request that you : 1. Provide documentation demonstrating that I provided written consent for the access or furnishing of my credit report. 2. Remove any inquiries or accounts that were mad
e or opened without my express written permission. 
3. Conduct a full investigation into the matter and send me a written statement of the outcome, as well as any corrections made to my credit report. 

Please consider this a formal dispute under the Fair Credit Reporting Act. I expect you to complete your investigation and respond within the 30-day period required by law. Failure to comply with these legal requirements may result in further actions to protect my rights. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XX/XX/XXXXXX/XX/year>2024 Experian XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/scrub>/2024 Experian XXXXXX/XX/XXXXXXXX/XXXX/2024 Experian Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.