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

I am a Chase Sapphire CM. A few days ago I tried to complete a wire transfer that got cancelled by my bank ( Chase ), I called in to request the reason, they advised me that they were likely having a system issue and I should try again in a few hours. I tried the next day and again the wire was cancelled, after calling again I was told that my account has a restriction notice and will be cancelled, when I asked for the reason they told me that is confidential info and will not tell me! I've been on the phone with them today for over 1 hour talking to all sorts of departments and no one can tell me what's going on, eventually one of the supervisors I was talking to placed me on hold and disconnected the call. 
I have been a customer for close to 20 years and have NEVER had a problem. I keep appropriate amounts of funds, I have other Chase products, my salary is direct deposit... again, I cant imagine why they would do this. And the fact they wont tell me why is very upsetting. 
I am being treated as a criminal and that is not acceptable. Cancelling my account will bring me enormous pain as I have mulitple direct debit and credits linked to this account. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  XXXX Account # XXXX, XXXXXXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Transunion only for them to tell me that it will be resolved but it never gets fixed. Also Transunion is telling creditors personal information about me that is untrue. They have let a car lending place be added to a bankruptcy that is illegal. They are letting debt collectors on my account without any proof of me agreeing that information is to be sold to them. Also, they have let someone hack my account with a different email address. Please help me.
Product: Credit reporting or other personal consumer reports

I contacted Equifax, XXXX and XXXX on XX/XX/year> after reviewing my credit report and asked if the items listed on my report to please be removed due to its inaccuracy. On XX/XX/year> I followed up with the same XXXX reporting agencies to find nothing had changed. And upon following up on XXXX other avocations over the past 15 months I would like to file a complaint.
Product: Mortgage

We requested a mortgage through Chase Bank. We received full qualification for the loan amount., however the appraiser did n't take appropriate time to appraise our home. He estimated below value using distressed properties and not correct counting bedrooms and baths. We appealed the appraisal, chase sent the same appraiser out again and he modified the appraisal with the correct bedrooms and bathrooms, but fraudulently concealed information that show one of the comparables was distressed. When brought to Chase Bank 's attention again on a second appeal they dismissed the evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

1st collection reported to all 3 bureau until after 5 yrs I wanted to repair my credit. Submitted disputed and complaints and got deleted off 3 reports. Until not to long ago the account was handled to a different collection who age the date.

2nd collection keep reporting false info for a disputed account which was deleted also Was heading in the right direction on credit building, even used a credit building company to get my score to a approval area then old accounts start charging off with the remarks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions
Product: Checking or savings account

I am writing a file a complaint against Navy Federal credit Union regarding multiple overdraft fees incurred on my account. The fees were charged at times that my account has sufficient funds, but Navy Federal postponed posting the charges until after the funds were no longer available than charged an overdraft fee. This aligns with CFPB findings against Navy Federal credit Union for similar practices were transaction settled with insufficient balances, despite initially having the funds available. I believe I have been affected by these practices and would like for my account to be investigated.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS, AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE THE FOLLOWING ACCOUNTS AND/OR INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Needs attention {$3000.00} LVNV FUNDING LLC Needs attention {$470.00} LVNV FUNDING LLC Needs attention {$460.00} Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Product: Credit reporting or other personal consumer reports

transunion These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a XXXX  XXXX and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

XXXXXXXX XXXX XXXX date opened XX/XX/XXXX {$XXXX} XXXX XXXX XXXX date opened XX/XX/XXXX {$XXXX} XXXX XXXX XXXX XX/XX/XXXX {$XXXX} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$XXXX} Comenitycapital/famo Date Opened XX/XX/XXXX {$XXXX} OneMain Date Opened XX/XX/XXXX {$XXXX} Prestige Financial XXXX {$XXXX} Date Opened XX/XX/XXXX Inquiries XXXX XXXX Services XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX. XX/XX/XXXX the check was mailed to the recipient with a check triggered on the XXXX XXXX XXXX. On XX/XX/XXXX - the app says the check was cashed, but the recipient still had the un-endorsed check in their possession and had neither cashed nor deposited the check XXXX. XX/XX/XXXX - the issuer reached out to the XXXX to investigate because the recipient had not cashed or deposited the check. XXXX said " once there has been an attempt to cash/deposit the check it can not be canceled '' XXXX. On XX/XX/XXXX the recipient deposited the physical endorsed check in a XXXX XXXX ATM XXXX. On XX/XX/XXXX - the recipient received an email from XXXX XXXX saying that the check can not be paid out due to insufficient funds. But that does not make sense because the recipient/payee never deposited or cashed out the check. 
XXXX. XXXX was contacted on multiple occasions to investigate this issue either for fraud or a mix up with the transaction and insisted : 1 - the recipient contacted their bank too. The recipient tried and their bank ( XXXX XXXX  said there was nothing they could do. The bank and check issuer ( me ) had to work with the recipient 's bank to resolve 2. They insisted that there were insufficient funds but the check was never processed in the first place.
Product: Debt collection

XX/XX/year> I traveled to XXXX XXXX XXXX by XXXX and had to obtain hotel lodging arrangements.. I had minor XXXX. Due to my monthly finances, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX waived all my XXXX finances. I received a letter indicating the same. They advised me to tell that to Grant & Weber, however, Grant & Weber choose to STILL XXXX me and call and XXXX me more. It has been ridiculous! 

I told them to obtain the information from the hospital, although my word should have been sufficient. Further, to make matters worse, they have placed this on my credit report that I owe XXXX XXXX XXXX entities. This is a lie and false and they know it. I recently emailed the billing dept at XXXX XXXX ( a copy of the email is attached ) and they reconfirmed this billing matter is waived and I have a XXXX balance with them due to financial assistance. 

Grant & Weber are dishonest and love XXXX people. THEY NEED TO REMOVE THIS INFORMATION FROM MY CREDIT REPORT AS SOON AS POSSIBLE!
Product: Debt collection

I would like this paid student loan off my credit report so my credit score can get better
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. 

Accounts : 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 have 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 disputed these accounts numerous times to The creditors and the credit bureaus and they still refused to remove it of my XXXX report. Im attaching my police report and Irs letter for proof of identity theft Also I need all of these fraudulent accounts to be removed immediately and the inquiries listed below XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.. ALL TO BE REMOVED OF MY XXXX AND EXPERIAN CREDIT BUREAUS!!
Product: Debt collection

I got sent to collections for an apartment I was staying in with my uncle being the Primary signer on the lease. It was for moving out fee which my uncle did not deserve to pay because it was for them to paint the place which they do already when you move out. It shouldnt have been sent to me to pay as a secondary signer or to collections with them giving me proper notification and time to pay it off instead they just sent it to collections.
Product: Debt collection

RESURGENT/LVNV FUNDING put a collection of {$1700.00} on my account without contacting me. they claimed to send email to me and I did not receive any email. the collection amount and information reported on my credit report is inaccurate and it has affected my credit and ability to scale forward financially. I am requesting you to please compel RESURGENT/LVNV FUNDING to remove a collection of {$1700.00} from my account based on the following reasons : 1. I was not notified of this account before reporting it as as collection on my credit report. 2. I was not aware of this debt from any original creditor. 3. Every attempt to call them to settle this has not been fruitful. 4. I was not giving the opportunity to dispute this debts.
Product: Checking or savings account

We made a transfer to your spending account XXXX XXXX, We made a transfer from your brokerage account to your spending account to resolve an issue with your account. Please note that this doesnt happen often and were sorry for the inconvenience. If youd like more information, please contact Robinhood XXXX. 
Here are the details of the transfer Amount : {$5300.00} From : Brokerage account To : Spending account Date completed : XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A substantial payment was made on my Payoff account in the month of XXXX leaving a balance of less than XXXX on the account. Subsequently, I made a phone payment in XXXX meant to pay the account in full. This payment was to have been processed as if XXXX. Although the funds were deducted from my account, Payoff failed to post the funds to my loan. I called payoff regularly to follow up in this issue and have them correct their mistake. Although people I talked to acknowledged that there was an issue on the account, nobody was able to provide a hard time line for a resolution. Throughout this process, I was assured that my account was in good standing and that they would not be reporting my account as past due. 

Ultimately, it took payoff more than 39 days to fix their mistake. 

On XX/XX/21 I received notification through my credit monitoring subscriptions that I was reported 30 days late resulting in significant drops of my credit score. This is in the midst of looking to refinance existing debt to reduce my monthly expenses. 

Payoff failed to post funds timely, failed to correct their issue timely, and failed to protect me from negative impact they caused. 

I need to have this corrected immediately and to receive a confirmation of the correction both via email and in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts under my credit report that are in FCRA Violation. I have contacted these credit companys numerous times to fix this they they are continuing to violate my rights. 

XXXX XXXX is continuing to be reported verified with no proof from neither company. They began reporting on my account on XX/XX/2020 for the balance of {$3900.00} XXXX XXXX XXXX is continuing to be reported verified with no proof of verification from neither company. They began reporting on XX/XX/2020. This company is also on numerous violations and these investigations that the Credit bureau claim that they are doing, is unacceptable and could be facing a lawsuit. 



These need to be removed from my report and is negatively impacting my financial situation.
Product: Money transfer, virtual currency, or money service

I have a card of different types of cryptocurrencies with the company COINBASE, and since last XX/XX/2021 and if there is any explanation, said company has my account blocked due to which I can not buy or sell anything, it is like money seized by them. They do not have any customer service available for XXXX. I beg solution to the problem
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Pl XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$20000.00} XX/XX/XXXX XXXX  XXXX XXXX  XXXX {$8600.00} XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did the right thing by deleting all the discrepancies from my credit report and they followed the rules by deleting XXXX XXXX XXXX XXXX charge off/write offs. XXXX XXXX did not respond accordingly within the 30 day time period since XXXX of 2021 so, by law TRANSUNION and XXXX should be removing all of the charge off/write offs by XXXX XXXX too .
Product: Credit reporting, credit repair services, or other personal consumer reports

After no response from my written request to XXXX XXXX to show any contract I have with them. I wrote experian asking to send me the written authorization to place an account from XXXXXXXX XXXX for {$130.00} on my report. 
No reply from either company is continuing to hurt my credit as a federally protected consumer.
Product: Credit card

On XXXX XXXX, 2017, I went to XXXX to purchase items from the store. My card was declined. I went home and called Capital One at XXXX to inquire about my balance. I was also looking at my account online when the representative answered the call.The first representative hung up on me and so I had to call back around XXXX The representative 's name was XXXX and her ID # is XXXX. She preceded to tell me what happened to my account. I stated that Capital One had placed a {$50.00} over due payment on my account on the day that the account was due. I paid my bill on the exact same day. Capital one then stated that they did not have a {$50.00} over due fee on my account. On XXXX XXXX I saw where Capital one had credited {$25.00} to my account and changed the over due payment fee to {$25.00}. I had already paid Capital One in 3 days {$24.00} and XXXX payments of {$50.00}. By this time the representative told me that what I had in my account was {$9.00}. I asked to speak to a manager she chuckled and laughed and told me to hold on. I then spoke with the Manager XXXX his ID # XXXX. I told him that I had checked my account on XXXX XXXX and had {$80.00} in my account. I made XXXX purchases XXXX for {$15.00} and the other {$24.00}. He said that is correct. I told him that I made XXXX payments and all I have left on my account is {$9.00}. He laughed and said, " XXXX XXXX would you like for me to go over your account with you? '' I said, " no, I will be filing my complaint. '' I am not stupid I can read my card statements. The account representative was being condescending and in a situation such as this, I need for all representatives to be professional in which they were not!! Capital One has given me a card balance increase that I have not asked for. Capital One knows that if they increase the balance on the credit card then the interest and finance charges will be higher. My interest and finance charges are more than 50 % of my minimum monthly payment. With an interest rate of 29.9 % Capital One increased my card balance but did not decrease the interest rate knowing this would make paying off the card virtually impossible for consumers!!! I would like for CFPB to investigate Capital One and their banking practices because I am quite sure that I am not the only consumer with extremely high interest rates from this bank!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to Experian, XXXX, and XXXX Credit Bureaus on XX/XX/2023, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023. Specifically, the fraudulent items on my credit report includes credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

I called the lender and requested that they remove the late payment due to XXXX from my credit report. My state had at the time shelter in place, at the time of the missed payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was incurred due to the coronavirus outbreak and I was able to make the past payments and had the account back on track.
Product: Credit reporting

please find attached the documents and my dispute letter for XXXX of my fed loan accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution. 
please help me to remove these late. negatives from my records. 
thank you