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

Vacation in XXXX at my parents home in XXXX, on XX/XX/2023 around XXXX XXXX XXXX ( XXXX EST ), I was checking my XXXX emails and saw 3 emails from chase. XXXX email says I have added a payee by name " XXXX XXXX - XXXX XXXX BANK '' XXXX email about bill payment of {$4000.00} to the " XXXX XXXX ''. XXXX email about the balance below {$50.00}. All XXXX emails got into my inbox around same time at XXXX XXXX time ( XXXX EST ). Received emails around XXXX mins before I checked the emails. 

Immediately, I signed into my chase account to check and surprisingly I found a payee added by name " XXXX XXXX '' with a XXXX digit number and a transaction for transfer of {$4000.00} paid as a bill to this payee. 

I have not signed into my account on that day before this and never added this payee ( dont know who is this ) and never transferred any money. I saw that the transaction was still in pending status. 

I called in Chase and reported about this activity and filed a claim # XXXX XXXX XXXX XXXX, they mentioned it will be taken care of. 

I called Chase again on XX/XX/2023, assuming that they sorted the problem out, it is to my surprise that they said, in their investigation it is found that the activity happened thru the same device that I have used in the past, and they believe that the transaction done by me. And they said the case has been denied not willing to re-open it. Please help.
Product: Money transfer, virtual currency, or money service

I used PayPal to purchase an item on XXXX ( unknown to me at time of purchase to be non US based ). The order receipt specified an amount of {$58.00} IN US DOLLARS with no other charges indicated. PayPal subsequently charged me {$73.00}. I appealed this charge as being {$14.00} too much on which they denied. I appealed again on XXXX supplying them with the order receipt and they again denied my appeal. I believe the correct amount I am charged should be as reflected on the order confirmation as no other charges are specified and the amount is in US .
Product: Checking or savings account

I am writing to file a complaint about Navy Federal credit union regarding multiple overdraft fees I have incurred. Dispite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

I completed my 120 months of XXXX forgiveness, but got a message saying I do not qualify because I do not have enough qualifying months. The next paragraph states I have 121 months that qualify, this needs to be fixed.
Product: Credit card

Synchrony bank, as the credit card provider for XXXX stores, employs deceptive and unfair practices with an add-on product on their credit card ( card security ). Upon the opening of my account, I noticed an {$85.00} fee on my account - outside the promotional 48 month financing I had taken advantage of with the store when I made a large purchase of furniture. When I called and inquired about the fee, I was told it was an optional product and that I had selected it when I signed up. I signed up online within the store and do no recall selecting any feature that required additional fees. Synchrony Bank representatives stated that the check box was in the middle of the application to sign up for the add-on product. The application should be reviewed as I believe that Synchrony Bank is employing a deceptive practice to hide this add-on product and it is not clear that the add-on product needs to be " de-selected '' while filling out the application and it is not clearly labeled on the application. Furthermore, I have now called the credit card company over 5 times to have the fees removed. The first time I called and complained, representatives stated that I must call another number and line to discuss the product and talk about getting the fees waived and the add-on product removed. I believe that this is an unfair practice as Synchrony bank has put in additional hurdles to have the fees removed. When I called the line that was provided, the representative ( of what I assume is a third party company ), stated that the fee was waived in full ( {$85.00} ). I checked my balance on the XXXX of XXXX and discovered that another {$2.00} fee was on the account randomly and when I called Synchrony Bank yet again they stated the fee was for the " card security program ''. I informed the company that they should make a note that I was complaining to the appropriate regulator as they continue to try to charge fees for a worthless product that was added to my account through deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase bank put unauthorized inquiries on my credit report. The first one was on XXXX XXXX. The next one was on XXXX XXXX. Also on XXXX XXXX XXXX and the last one was on XXXX XXXX XXXX. I have gone to the bank and they told me they could not do anything about it. It is hurting my credit badly. I am working hard to raise my credit score.I do not understand how is it that the bank can do this to hard working people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and account that is reporting inaccurately to all three of my credit bureaus, per the FCRA any information reported in my name to the three credit bureaus must be 100 % accurate. I have attached a picture of this account taken today wirh the inaccuracies highlighted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # # # # # # # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 there a payment was made on time and return by the bank few weeks later. The payment was return during the next billing cycle. The payment was replaced but the company reported a 60day late in error and as an accounting error. I have never been reported late in 5years. The company acknowledged this error but the late has not been removed/corrected on my report.
Product: Debt collection

I keep on receiving harrasing calls as well as calls on Sundays. I have sent a dispute with explanation : I am writing to formally dispute the debt you claim I owe in the amount of I request that you verify the debt as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Texas Debt Collection Act ( TDCA ). If you are unable to provide proper verification and documentation that substantiates this debt, I request that you remove any negative reports regarding this account from my credit file immediately. 
Under Texas law, specifically the Texas Finance Code, I am entitled to request a verification of the debt and to dispute any claims I believe are inaccurate or unsubstantiated. Until you provide the requested validation of the debt, you are prohibited from continuing any collection efforts or reporting this debt to the credit bureaus. 
Please be aware that if this debt is not validated within 30 days from the receipt of this letter, you are required by law to cease any collection activities and remove any negative marks from my credit report related to this account. 
I request that you send me the following documentation : 1. A copy of the original signed agreement or contract that created the debt.

2. A statement showing the full payment history, including any interest, fees, and charges.

3. Any documentation proving that you have the legal right to collect this debt, including proof of assignment or ownership.

Please be advised that any further attempts to collect this debt without providing proper documentation or verification will be considered a violation of both the FDCPA and the TDCA, and I may file a complaint with the Texas Attorney Generals Office or the Consumer Financial Protection Bureau ( CFPB ). 
Additionally, if you do not respond to this request within 30 days, I will expect this account to be deleted from my credit report and no further collection attempts to be made. 
Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my son and I called Transunion to attempt to place a fraud alert and credit freeze on my son 's credit file due to a recent security breach. Transunion online services would not permit my son to complete these requests due to his lack of credit history. Therefore, the website informed him to call in. We called XXXX and were connected to a Transunion representative named XXXX who insisted we email her his social security card and driver 's license insecurely. XXXX defended general email is a secure platform. I asked if we could send the information via XXXX certified, and asked for an address. XXXX did not provide one. I asked to speak to a supervisor regarding this phone call, and XXXX informed me to call customer service at XXXX. XXXX needs to find a new job making widgets, as she was impolite, unkind, unprofessional, and definitely not helpful. I will be calling Transunion customer service to express my disdain for XXXX and her poor attitude and lack of customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX Address ID # XXXX from my credit report but transunion is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) section 611, It is illegal to report inaccurate information on my credit report Please remove this item from my credit report. XXXX XXXX {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a dispute with Experian and submitted proof to Experian in reference to an agreement made by XXXX XXXX XXXX and myself, XXXX XXXX. The agreement was recorded by XXXX XXXX XXXX  And I to pay 2 payments of {$780.00} which was to be debited from my account on XX/XX/2020, which they collected and the final payment of {$780.00} on XX/XX/2020, which they did not collect which they broke their agreement. Then they sent the remaining balance to another company and increased the payment. I called Experian and spoke with one of the agents and they overlooked the fact that this company broke their agreement and placed this back on my credit under a new credit reporting agency called XXXX XXXX. Because I made this agreement with XXXX XXXX XXXX and they broke the agreement With me, i demand that Experian remove this from my credit report. I also request that Experian send me a full copy of how they performed their investigation and verify that they submitted the copy of the first payment of {$780.00} that XXXX XXXX XXXX received from my checking account. Including copies of the recorded agreement between XXXX XXXX XXXX  made to send to my attorney. I know that Experian did not do a through investigation because if they had, this item would be deleted under the fair credit reporting act. I also spoke with XXXX and the collection representative stated that they no longer had the account. Then told me to call XXXX XXXX, which is a third party collection agency that they evidently sold the account to, after XXXX XXXX XXXX  collected my money from the agreement made with them and XXXX. These companies are running a scam and will be also reported for legal investigation.
Product: Debt collection

In XX/XX/XXXX, my ex-husband, XXXX XXXX XXXX, XXXX and I signed a 10 year promissory note which was due to be paid in full in XX/XX/XXXX/XX/XX/XXXX due to the short-sale of the marital home. We had been legally divorced for 6 months, living in separate homes/addresses, and separate bank accounts. For the first 3 years of this repayment period, Dyck O'Neal only sent bills to XXXX. Repeated calls to Dyck O'Neal were unsuccessful. I was always told that it is there policy to only send the bill to the first person on the account. For three years I wrote, " Please send me a copy of this bill so I can pay on time. '' Once they began doing that, I received monthly bills and payments were sent consistently. XXXX consistently paid $ XXXX/month over almost 8 years. My amounts were varialbe over the years, sometimes minimal, sometimes extra. In XX/XX/XXXX, XXXX has a small XXXX as the result of XXXX XXXX   XXXX for 2 1/2 years and was at the VA Hospital in XXXX XXXX XXXX, VT. I was not notified of this by my former step-children until my repeated phone calls to him to check on his well-being. I spoke to XXXX, via phone, and told him that I would send the entire monthly amount and he said that he would pay the balance of the loan. 

On XX/XX/XXXX, XXXX passed away due to his XXXX XXXX XXXX XXXX. I never received another bill from Dyck O'Neal and assumed that XXXX had followed through and paid of the loan. I was notified by XXXX XXXX that my score had gone down and a past 30 day payment was reported. 

I have filed a complaint with the credit bureaus on three separate occassions and won each time. Dyck O'Neal negative reporting was removed, but they keep putting it back on my account. If I'm late 30-60 days, please explain to me how we've paid this debt off 2 YEARS early. I've called Dyck O'Neal customer service again and warned the rep that if they reported the account as late again that I would be filing a formal complaint. Please help fix this for good. They still have not fixed their policy of only notifying the first person on the account despite knowing that we were divorced and living separately before even signing this promissory note. At this point, my credit has been repeatedly and negatively impacted over the years. 

Thank you, XXXX XXXX ( formerly XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiry XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following Companies has violated my rights : XXXX XXXX XXXX XXXX  stores Acc # XXXX XXXX ) XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acc # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ) XXXX XXXX XXXX Acc # XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX XXXX  ACC # XXXX XXXX ) XXXXXXXX XXXX XXXX ACC # XXXX - XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) Transunion XXXXXXXX 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 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 15 U.S.C 1681 Section 602 A ; States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; also states ; A consumer reporting agency can not furnish any account without my Proper written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately. 
Both together and separately my consumer rights and privacy rights have been violated by XXXX, XXXX, XXXX and XXXX. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) I have the right to privacy. I am also aware that I have the right to privacy of non- public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I am exercising that right demanding the each CRA remove the information listed in attachment as required.
Product: Debt collection

American Express repeatedly calls me for my ex husbands debt, telling me that I am also liable for this when I am not. I have told them to stop calling me and even given them his phone number, because it is not my debt and I filed bankruptcy in 2021 so I dont have any obligation for this regardless. They are still calling me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS HARASSMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since filing chapter XXXX in XX/XX/XXXX, all three credit reports were correctly reported for my account with XXXX/XXXX XXXX, which was included in bankruptcy. Beginning in XX/XX/XXXX, only the Equifax report was changed from bankruptcy status to charged off/collection status for my XXXX XXXX account. I contacted XXXX XXXX XXXX two months ago to request that my Equifax credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy. The XXXX XXXX account was removed from my Equifax report twice in past two months, but again on XX/XX/XXXX, the account is showing charge off collection/skip status, resulting in a 80-point drop in my credit score due to a COLLECTION for {$5100.00}. 

Since the bankruptcy trustee began making additional payments to XXXX around the same time this problem began, it appears that my XXXX XXXX account is included in some type of automated monthly reporting system which provides inaccurate information to Equifax. Since being removed from Equifax, the collection status information has re-posted to Equifax three times during the first week of the past three months. XXXX advised me to dispute with Equifax ( copy of email attached ). I have disputed with Equifax previously with no success -- only XXXX can update my report. If my Equifax report continues to show unlawful information for my XXXX XXXX   account, which is included in my bankruptcy case, I will be filing a civil lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy Laws. My patience has run its course!!
Product: Credit reporting or other personal consumer reports

Victim of identity theft police report attached this account was opened by a former roommate. Expeditious and update revised to all reporting credit reporting agencies please my life has been in hardship and very difficult to advance I thank you for finally putting this to an end as I have finally put together with the police report Thank you
Product: Money transfer, virtual currency, or money service

Since XX/XX/2022 I have been trying to cancel/close my VENMO account. Despite numerous emails, they continue to say it is frozen and can't be closed.
Product: Debt collection

YOUR COMPLAINT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX, collection agency. They are claiming I did not pay for valid services received and are attempting a fraudulent collection by using the credit reporting agencies as an illegal collection vehicle. The original communication was dated XX/XX/XXXX claimed they were collecting a debt for XXXX XXXX and had an amount owed as {$60.00}, they are now attempting to collect {$1600.00}. 

XXXX XXXX sent me a letter in XX/XX/XXXX and on XX/XX/XXXX claiming I now owed {$260.00}. I replied in writing disputing their claim. Their reply was a copy of a original XXXX billing dated XX/XX/XXXX, that showed a {$60.00} balance due. They have never replied to my specific written communication to them disputing their claim and asking for further verification, XXXX said they withdrew the claim on XX/XX/XXXX yet XXXX XXXX is continuing to attempt to use the Credit Reporting system as collection technique. 

No specific response to my denial of the debt was forthcoming and as of this date I have not received any further communication from the XXXX XXXX. My only source of current information is seeing their name on my credit report. 

The above is a Scheme praying on consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX Balance : {$510.00}, XXXX XXXXXXXX Balance : {$500.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$950.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00}, XXXX XXXX XXXXXXXX Balance : {$430.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX Balance : {$520.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research accounts I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.