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

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX and Equifax 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. Equifax continues to violate my rights by publishing without my written instructions. In light of recent investigations brought upon equifax, I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. 
I have Hard Inquires that need to be removed as well, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

Navy federal credit union XXXX XXXX someone deposited a fake check in my business checking account in the amount of {$3200.00}. Navy federal then took {$1400.00} out of my personal account the same day as a penalty. I submitted the act to the fraud department and they denied my claim and they told me I had to appeal it. I appealed it 2 times and they denied it a 3rd time. Today XX/XX/2024 they threatened to closed my business account and charge me for the remaining balance. My account was attacked and my bank did nothing about it but charge me. That is wrong I need this situation to be address, Navy Federal is taking advantage of me only because I have no voice.
Product: Debt collection

On XX/XX/2019, I receieved a copy of a Summons that was sent to XXXX XXXX XXXX XXXX Ill, I don't have a bank account with them. This bill is about 12-15 years old in Illinois the city of XXXX they are still allowing them to try to collect on this credit card is this legal or not?
Product: Credit reporting

There are several Inquiries on my Experian Credit Report, I have spoken with both the Credit Bureau and Original Creditors but have not been helped. I have continuously been bounce back and forth between the companies and Credit Bureaus. This is unacceptable and I would like all inquiries removed ( as they are all duplicates ).
Product: Prepaid card

XX/XX/XXXX ( approx ) Direct Express turned off my benefits card due to fraudulent charges in my account THAT THEY noticed. I was given a new card and when i looked at my DX statement a long series of fraudulent charges from the same place, totaling {$240.00} had been deducted from my account. They started off small and over time increased the amount. These were not MY charges. Charges were made in the XXXX play store which is the app store for android phones. I have an iphone and have had for the last 2 years. Even though they made me aware of the fraud they denied to return the stolen money. I am on XXXX and XXXX is one third of my monthly income. Please help me. I see mant similar stories inline where DE customers have the same charges from the same place and cant get DE to return their money. The letter they sent me said if i appeal and turn in paperwork within 10 days, that a provisional amount would be put in my account. I sent the doxuments they requested and they have not even responded nor put anything in my account. Please see screenshot of email date and note the due date they set.
Product: Vehicle loan or lease

As explained in prior CFPB complaint ID : XXXX, which rep replying on behalf of BMWF did not fully address, there is a block preventing ACH payments on the account. The block was removed prior by a phone rep when I attempted to make an online ACH payment, the rep agreed to remove block to allow me to make payment which was later rejected because the bank, XXXX, claimed wrong info entered.. I have attempted to make ACH payments since and was unable to do so, it appears BMWF replaced the block after failed payment through XXXX. The account is due for XXXX payment and I plan on using my {$1400.00} stimulus payment to cover it, however, that payment is going into an account which does not allow bill payments. Further, I am unable to transfer funds from it as I can not link it to an external account, it is a pre-paid account and does not allow it to be linked for funds transfers. I request BMWF remove block to allow ACH payment so I can at least pay XXXX payment before it snowballs into XXXX, possibly XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute this account that appears on my credit report. FAMILY SUPPORT DIV XXXX XXXX # XXXX I believe that this information is inaccurate and should be removed from my credit report.

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ).

These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report.

As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.

Therefore, I respectfully request that you review your actions and policies to ensure that they are in compliance with the aforementioned court ruling and all applicable laws and constitutional principles. If any of your actions or policies are found to be in violation of the ruling, I request that you take the necessary steps to bring them into compliance.

Thank you for your attention to this matter.
Product: Consumer Loan

Please note that I was rudely contacted as was my family by someone who would not give their name, fooled me into providing my personal information ( last 4 digits of my social security number ) and stated I have an account for an internet loan. I am XXXX years old. I did not take out an internet loan, and they will not stop harassing me by phone or my family members. I have requested a cease and desist, but they continue to call, make threats, wo n't provide any documentation, and over disclosure my personal details that they have.
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this complaint stating it is not me. I am a natural persn and a consumer.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called the credit card company to make a payment, and indicated to Chase that I was having financial struggles and it was difficult for me to make the monthly payments. Chase suggested for me to sign up for the balance liquidation program. Chase indicated all I had to do was close the account and pay {$45.00} per month. From there I have been paying {$45.00} each month from XX/XX/XXXX to XX/XX/XXXX. Chase Card services had contacted me several times during XX/XX/XXXX to tell me that my account was past due and that I owe {$45.00} to make it current. I had told Chase I kept my end of the agreement and if they are telling me i owe then they had not kept their end of the agreement. Their reply was I had missed a payment, From there I had said I have my bank statements that say I have paid {$45.00} each month from XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

Pulled my credit to realize I have a debt collection reported on all three bureaus, from a company AWA Collections on behalf of XXXX XXXX , XXXX. 
I was not aware of any debt owed to either company nor ever been contacted, received any notice, nothing. 
A previous owner of XXXX XXXX XXXX, over 8 years ago. my business has been dissolved and closed since late XXXX, early XXXX. All business dealings were handled and dealt with the XXXX XXXX management. 
Since the closure of my business I have not been contacted by XXXX XXXX or any person from XXXX, AWA. 
My understanding at some point XXXX XXXX was purchased by XXXX XXXX. 
I do not understand what the debt is from and how is it mine? The debt XXXXAWA Collections is seeking in the amount of {$7500.00}. How is it legal to add damaging information to someone's credit with notifying the person, allowing time to resolve matter? Proof the debt is the consumer. I would greatly appreciate your help with this matter, XXXX XXXX
Product: Checking or savings account

I have a recurring automated debit to my account that had insufficient funds for an error at another financial institution, however my issue is with Banco Popular Community Bank  notification communications and fee policy. 

My sole monthly automated transaction in this account is in the amount of {$110.00} which then overdraw my account and was returned on XXXX/XXXX/XXXX The bank has since charged me a total {$98.00} in fees since, and I am receiving my first notification via direct mail today ( XXXX ) and it is dated XXXX. 

This seems abusive and excessive especially since the bank has both my email and mobile number. I can understand one fee of {$34.00} for being overdrawn once! But the daily {$5.00} fee when they are sending direct mail and additional {$34.00} of the company 's second attempt totally {$98.00} is abusive, especially given that I am only receiving notification of this on XXXX. I would have rectified this situation immediately if I were properly notified of the issue, as I will be doing today. 

I only have an account with this bank as my XXXX speaking parents find it easy to bank with them. As such, I am aware that this bank target customer is XXXX speaking customer, and I find their practices and policy to be malicious and ill intentions as they are expecting their customers to not be aware that there are agency set in place to protect them such practice. This is not the first time I have issues with their practices but its the first time I am filing a formal compliant. The fees in total are nominal to me but this bank has unfair practices and policy and are taking advantage of their customers base. There are technologies available to allow the bank ( or any company ) to communicate to their customers for required notifications. This should be a use case ( along with many others ) of what would quantify as a required notification with a customer 's available contact information ( email and direct snail mail ). Its XXXX, not XXXX where email and internet were brand new. I believe an audit is more then warranted and Banco Popular Community must be held responsible to step up, as many banks have done with proper notification of required information. There should be no excuse!
Product: Credit card or prepaid card

I visited the local branch of JP Morgan Chase located in XXXX, New Jersey where my wife and I live. I asked that I be refunded a balance on my Chase Credit Card in the amount of {$220.00}. The bank branch manager called Chase Credit Card and after half an hour XXXX the supervisor came on the line and said to the branch manger and to me that the refund check would be overnighted to me as I had repeatedly said I needed the money and that " Time is of the essence ''! XXXX also said that at the latest I would received the refund check on Monday XXXX XXXX. I did not receive the check either day. I returned to the branch and the branch manager again called. This time Chase Credit Card said the check had not be drafted on XXXX XXXX as XXXX had promised but on XXXX XXXX and was mailed out on XXXX XXXX by XXXX but no tracking number was given the branch manager or me. The refund check has still as of XXXX XXXX arrived! And this despite my 6 visits to the branch, 10 letters to XXXX XXXX XXXX the Chairman and CEO of JP Morgan Chase at XXXX XXXX XXXX, XXXX XXXX, New York XXXX, and many telephone calls! I am a XXXX citizen and this experience has proven to be physically difficult for me. XXXX in the branch officer said on XXXX XXXX, " The matter has been escalated to the highest level of the bank! Please call this number and be sure to give them this reference number. '' So I called on XXXX XXXX but no one was able in the Executive Office to speak to me. The next day at XXXX XXXX XXXX from the Executive Office called. He is a " research analyst '' but could not help me get the check overnighted to me. He said, " I need a few days to do research ''! This though both he and XXXX in the Executive Office noted " the matter is urgent ''! Still I did not have my money that I very much need as I live primarily on Social Security. Such poor treatment of me a senior citizen by JP Morgan Chase which with assets of {>= $1,000,000} assets is the largest bank in the United States and one of the largest banks in the world! JP Morgan Chase refused to wire the refund to my JP Morgan Chase checking or savings accounts! The local branch has washed its hands of the matter. The Executive Officer refuses to send me the refund check overnight! And all the time, to repeat, a really need the money!
Product: Debt collection

Urgent Complaint : Cease Harassment and Remove Inaccurate Entry To the ones who love to harass me when I am taking care of my elderly mother, I am writing to formally address a highly distressing and persistent matter regarding the actions of Capio Partners. The relentless harassing phone calls, occurring at inconvenient times, have reached an intolerable level of annoyance. 

These calls, both in the early mornings and nearly at XXXX XXXX every day, have disrupted my daily life and caused substantial distress. The repeated demands for someone named XXXX XXXX, and the refusal to identify the caller, add to the aggravation. I have consistently conveyed that I am not XXXX XXXX, yet the calls persist. 

I want to assert, in no uncertain terms, that I do not owe Capio Partners any money. This assertion is grounded in the fact that I maintain appropriate medical insurance and diligently fulfill my medical bills. I have explicitly requested Capio Partners to substantiate their claims by providing the original agreements and pertinent documentation, but their response has been evasive and unhelpful. 

The culmination of this harassment, unsubstantiated claims, and unresponsiveness is adversely impacting my credit score and financial standing. This state of affairs is wholly unacceptable.

Resolution and Immediate Action Required : 1. **Cease Harassment** : I demand an immediate cessation of all harassing phone calls, ensuring that my privacy and peace are respected. 

2. **Inaccurate Entry Removal** : I request that the collection entry and delinquency attributed to me be promptly and permanently removed from all my credit reports. This erroneous entry is harming my creditworthiness and must be rectified. 

XXXX. **Cease All Communication** : I assert my rights under relevant legislation to be free from further communication from Capio Partners XXXX Any future contact will be considered a violation, and appropriate legal measures will be taken. 

I am deeply frustrated by the ordeal I have been subjected to, and I strongly urge Capio Partners to acknowledge the gravity of this situation. My intention is not to merely voice discontent but to secure tangible and necessary resolutions. 

Failure to take immediate action to address my concerns will leave me with no option but to escalate this matter further, which I genuinely hope can be avoided. 

Please ensure that this complaint is treated with the urgency and seriousness it deserves. I expect a swift resolution and your commitment to restoring my credit reports and financial well-being. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Consumer Loan

The chase auto financial repossessed my vehicle on XXXX/XXXX/16 because of my late payments. I got fired on XXXX and could n't get a job for XXXX mon. On XXXX/XXXX/16, I talked with XXXX of rep. regarding the reinstatement. I had to pay {$2300.00} by XXXX/XXXX/16. At that time I have just started a new job so I asked him if I could get some more time, he repeated answer " we ca n't time arrangement ''. Till XX/XX/XXXX2016, I tried to gathered money but could n't. I was giving up but my mom borrowed money for me on XXXX/XXXX/16. I called to the chase if it is too late to pay, the rep. denied because due date is already passed. And blamed me that why I did n't request the extension when they sent me a notice. I have never receive the notice. Also I do n't even know there is the notice they should send me after the repossession. So I requested them a copy of notice they sent me. It says I have the right to request the extension. I feel this is so unfair. I lost my right because they failed to give me a notice. If I receive the notice I could request the extension and I have the funds two day after the due date, I could get a car back now.
Product: Credit card

On XX/XX/XXXX, I made a payment to Wells Fargo online, in the amount of {$98.00}, for my monthly payment amount. I received a verification email stating the amount that was to be charged to my checking account. 

On XX/XX/XXXX, Wells Fargo put a payment through to my checking account, but it was in the amount of {$2100.00} ( the full amount left to pay on my account ), NOT the payment amount of {$98.00} that they sent me the verification email of. The account caused an overdraft of my checking account and I was charged {$28.00}. 

I immediately contacted Wells Fargo and could not get anyone to rectify the issue, as they stated that my account was closed because it was paid off. I spoke to the customer service rep and explained the problem and requested a manager call me back. 

On XX/XX/XXXX, I received a phone call from " XXXX '' from Wells Fargo and a case number. I called back and spoke to her, but she was not able to do anything, other than opening a complaint. The complaint was assigned to : XXXX XXXX. 
Escalations Representative Enterprise Complaints Management Office I have tried numerous times to contact this person, via phone and email, and have never received any response. 

All that I received are emails stating that they need more time to research my complaint. 

I have received these emails on : XX/XX/XXXX ( stating will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) Again in XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) Nobody has ever followed up or conducted any research into how the company verified that they were to charge me {$98.00} but instead charged {$2100.00} to my checking account and caused the overdraft. 

I had never been late or been behind in any payments until this issue came about.
Product: Vehicle loan or lease

Leased Toyota XX/XX/2023 in XXXX Went to get license plate in XXXX where they knew we lived and couldnt with their paperwork. That was beginning of XXXX called dealership 5 times before someone told us where to call. Called Toyota financial. She said emailed to me and XXXX in XXXX busn days. Nothing. Called back at 7 days and she said they shouldnt have said that, they have until XX/XX/XXXX called back XX/XX/XXXX and she said we emailed. I said send it again. She wouldnt. She said she would mail. She said XXXX busn days. I called back on day XXXX and she said no 15 days. She told me can't try help until after XX/XX/XXXX. Today is XX/XX/XXXX. I asked to speak with supervisor and she wouldnt. I said I know Im being recorded and XXXX asking for supervisor and she put me on hold. I waited XXXX minutes and hung up. I have a lease I am paying on time on a vehicle I cant XXXX XXXX. Everyone I talk to kicks the can down XXXX XXXX instead of actually helping. I just want license plates and cant seem to get them.
Product: Checking or savings account

On XX/XX/2021, On my way to work I stopped to get gas. In doing this I opened my account at about XXXX hours XXXX. I noticed that there was a newly opened checking account that I did not approve or have knowledge of. At XXXX hours, I called Wells Fargo banking and spoke to a " banker ''. I explained the issue and she seemed diconcered with the idea that I thought there was fraud. I asked her how this could have happened and she stated that anyone can just open an account online. I found that strange and asked what they would need for that and she said my name and address. I asked her what address was on the account and she in turn asked me what my address was. I gave her my address and she said OK. I asked her to close this account out and I wanted to ensure that my money that I had in the bank was safe. She assured me that the money inside my account would be safe and that they would transfer this out to the " fraud Department '' who would contact me and that the account would be closed out, that it could take up to 48 hours however it was locked. On XX/XX/2021 I found the account was still active and I was still getting alerts on the account for the balance. I then found that there was a second address that was attached to my account. A address that I don't live at and have not associated with for over 9 years. This address was never placed in my name or have any sort of mail or bill delivered to this address. It was a friends address that I stayed with for a month or so prior to him moving out of state. I contacted my mother who is a retired Vice President of Compliance of a banking institute and currently works as a complaint officer. She explained how serious this matter can be. I am at a loss of why Wells Fargo has not taken more action and why there were indifferent yet sure that my money in the bank with attached accounts was safe. I also wonder why after 5 days of brining this to their attention the account is still open and accessible. I have pulled all credit scores and am investigating further however I don't understand how they have let it get this far and not done anything. With their track record I was not sure if this was one of their scams to increase " open accounts ''.