23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened a savings and checking account at J.P Morgan Chase Bank ( XXXX XXXX location ). I wired {$230000.00} into the savings account # XXXX. About XXXX days later my personal banker called to tell me, and subsequently sent me a brief email which is attached, that he had received instructions to close the account. I received no explanation as to why only provided a phone number to call.I called that number and it was the Compliance Department. I asked to know what was found by their " back office team '' that made me unsuitable as a customer. I was summarily told that the information stayed internal and is not shared with the customer. As a consumer, I should have the right to know what information they sought, who from and to determine if it was accurate. I have no criminal record and nothing that I am aware of that would make my money less desirable than anyone else 's. What recourse do I have in a situation like this to remedy, mitigate or seek a copy of the review, to know they made a decision off erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 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. 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX, XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, and XXXX XXXX XX/XX/2021. Please REMOVE.
Product: Debt collection

I would like to file a complaint against Tech Collect and XXXX XXXX XXXX. They sent my account to collections despite knowing that the company I was with, XXXX XXXX XXXX, went bankrupt. I did not receive the full services that were promised to me, and as a result, I was left with a debt that I believe is not my fault. I feel that there has been a breach of contract, and I am seeking a resolution to this problem. I do not believe I should be held responsible for this debt since I did not receive the services as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted both Experian and XXXX about an account on my credit report. XXXX XXXX Bank is reporting a business bank account as an unsecured loan on my credit report. I never signed a promissory note for a loan and XXXX XXXX Bank doesn't have any such documents to prove a loan. I sent documents to both Experian and XXXX to prove that it's a business checking bank account which was opened under a EIN and the account was under a business name and not my personal name. Both CRA are stating that they received information from the creditor of a loan and have copies of a promissory note which they refuse to send to me because it just doesn't exist. Both CRA acknowledge that it is a business checking account but still refuse to remove the account from my personal credit report because they are being paid by XXXX XXXX Bank to report incorrectly. 

Also, Experian is reporting an incorrect address on my credit report of XXXX XXXX, XXXX CO that they refuse to remove.
Product: Credit reporting or other personal consumer reports

On 11/02/2024, 11/13/24, 11/14/24, 11/26/24 ran my credit report many times affecting my credit score without permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

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
Product: Checking or savings account

I purchased gas at the pump on XX/XX/2023. I was charged three times by the merchant. 
I asked the bank to reverse the duplicate charges but the bank refused.
Product: Student loan

My daughter has a Student loan with Navien Collection Agency ... I willing to pay them by bank check or money order ... they refuse to take my bank check or money order ... They want me to pay by debt card ... I have told them XXXX times ..I do not want to apy by them having my Debt card ..and they been giving me a hard time .... the balance to this loan is XXXX anbd willing to paid XXXX upfront by bank check or money order ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Elan Financial ( US Bank ) Pulled a hard credit on me through the credit reporting agencies and lowered my credit score. They did not have any approval to do so. I have ( had ) a card with little to no balance that was good from XX/XX/XXXX through XX/XX/XXXX. 
My card ended in XXXX
Product: Student loan

- [ ] From XXXX I attended North Carolina XXXX XXXX XXXX XXXX University XXXX As a first time XXXX student my single mother and I were manipulated into signing a promissory note for what we know now to be eight different high interest private student loans. Because my mother was a single parent with not enough income we solicited the help of my uncle who had to co-sign for my loans. 

We are adamant that North Carolina XXXX & XXXX and XXXX XXXX at the time violated antitrust laws and unfairly limited financial aid awards and forcing my family to only sign up for private loans as opposed to Federal student loans. XXXX XXXX XXXX along with XXXX XXXX used shared methodology to determine financial aid awards without properly weighing mine or my familys ability to re-pay these high interest loans. 

To date, I am a very dissatisfied customer of Navient and a unhappy graduate of XXXX XXXX XXXX. I am harassed daily to pay loan payments that I can not financially afford. My family members are constantly harassed as well. Navient and XXXX XXXX XXXX has literally destroyed my credit making it impossible for me to afford a normal way of living for myself and my family. My loan amounts has quadrupled since graduating making my total repayment amount nearly {$300000.00}. My co-signer is now retired living on a fixed income and is unable to afford these loans as well. I have struggled to obtain a job in my field of study or even a decent paying job for that matter. I am requesting some attention to this matter as it has caused a strain on my mental state as well as my family. I am currently working with a financial advisor and a lawyer because we are certain that predatory lending is the main cause of this entire ordeal. We are certain that XXXX XXXX XXXX and Navient ( XXXX XXXX ) have violated several antitrust laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am writin in regards to complaints on wrong information on my consumer report. 
The following addresses are inaccurate and not my current or correct address. XXXX XXXX XXXX XXXX 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 
The following inquiries are on my consumer report that were not applied for by me : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked multiple times for LexisNexis to verify information about the bankruptcy because the information that they have is not correct and that they have on file that was never given permission to them to get that record also asked him multiple times to delete all the phone numbers and addresses old names that do not match. Still havent got anywhere. 

My current name is XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, PA XXXX That should be my only name and address on the LexisNexis file
Product: Credit reporting

Equifax fail to delete a negative account older than 7 years. Equifax own conclusion determines that a account can only be on file for 7 years which contradicts it self. Moreover, the account has been sold and the statement from equifax determines the account is been verify but has been sold according to the original source.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made a mobile check deposit on XX/XX/XXXX in the amount of {$230.00} to my chime checking account as my direct deposit has not been set up. 

after 7 Days, Chime is telling me they need more time to deposit it even though the law states a max check hold of 7 days total. I was told the money will not be in my account till the XXXX so chime is holding this money hostage for 11 days total. 

Another deposit i made tonight in the amount of {$360.00} via the same deposit method also stated till the XXXX to get this new deposit. I spoke with a representative at chime the other day who told me it was just a random check and that there wouldnt be any issues like this again but immediately they have broken that promise.
Product: Checking or savings account

To whom it may concern, On or about the XXXX of XXXX, 2021, I opened online checking account with Citibank as I was switching from XXXX XXXX. On the XXXX of XXXX, 2021, I attempted to deposit XXXX XXXX closing check in the amount of {$910.00} to my Citibank account ( check number XXXX ). On the XXXX of XXXX, Citibank blocked my card and access to any information online. I called the bank and was advised that the check was flagged as fraudulent and the account is now in " the process of closure. '' However, the check was deposited - after many hours on the phone with Citibank they verified the check. Therefore, for absolutely no reason, Citibank cut me off from access to all the money I had including that of " fraudulent '' check. As of XX/XX/2021, I have not heard from Citibank and have not received the money - neither do I have an opportunity to check the status online. The situation significantly affected my XXXX plans and caused me to loose my car. 
I would appreciate any advise and help on this matter.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was notified about a loan taken out in my name at CashNetUSA. CashNetUsa would not assist without a police report. I have filed a police report and sent to this company as they requested. I have spoken with their Fraud department and was told they would send the details on the application that was fraudulently completed in my name but have not received it. They stated they would send this two weeks ago but it has not been received. I have left multiple messages for their fraud line with no response. I have called the corporate offices and have gotten no assistance. It is very frustrating to be a victim of identity theft and get zero assistance from the company. This company seems more interested in helping the criminals than the victims of identity theft.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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

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 are in violation! I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law XXXXx and Experian are consumer reporting agencies and I am the Consumer According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Received a Text XX/XX/XXXX at XXXXXXXX XXXX from XXXX XXXX XXXX XXXX, regarding a matter that their office is handling. I click the link and add the agency ID XXXX. It then brings me to an account that states I owe an alleged debt for {$10000.00}. The Original Creditor was Prosper Funding LLC., assignee of XXXX, who previously charged off the alleged debt. I have no contract with XXXX XXXX XXXX XXXX XXXX I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX XXXX XXXX XXXX and Prosper Funding LLC., assignee of XXXX, about me is in direct violation of my privacy per the Privacy Act of 1974
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I used a credit card via the PayPal service to settle an invoice with a merchant. The merchant confirmed that the invoice total of {$260.00} was paid in full. 

On XX/XX/2020, I received an email from PayPal with the subject line " Your bank declined your electronic funds transfer '' and a message stating that " We will automatically re-attempt this transfer in 3 business days. '' As a result of the action, I was charged a {$29.00} non-sufficient fund ( NSF ) fee. 

On XX/XX/2020, I reached out to PayPal requesting a halt to the transfer re-attempt, and made a second payment via credit card for the same amount. On XX/XX/2020, PayPal repeated the action, leading to another NSF charge. I eventually opened a ticket with PayPal on the issue, which was eventually closed without any acknowledgement of the unauthorized transfer. On that date, the credit card that was tendered for the transaction was debited. PayPal argued that since I had done business with the merchant in the past, the attempts to transfer funds from the checking account were valid. 

At no point did I authorize PayPal to debit funds from any other source besides credit cards for this transaction, and now I have been financially harmed by the reckless behavior of PayPal.
Product: Debt collection

In 2020 I settled a debt to CALIFORNIA CHECK CASHING, through XXXX XXXX XXXX XXXX... The fair trade commission shut this company down for fraudulent practices after I paid my debt..Now CALIFORNIA CHECK CASHING is coming for me 3 years a debt collection company called XXXX XXXX saying I'm still liable for the debt and now they've added extra fees totalling XXXX dollars.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to express my concerns regarding the recent data breach at the Consumer Financial Protection Bureau ( CFPB ) and how it has directly impacted me. As a consumer who relies on the CFPB to safeguard sensitive financial information, I am deeply distressed by this breach and the potential consequences it has caused. 
The release of my personal data has made me vulnerable to identity theft and financial fraud, which I have already begun to experience. unauthorized transactions, difficulty obtaining credit, or increased anxiety about financial security.These incidents have caused [ emotional distress/financial losses/other specific consequences ], and I have had to take measures such as [ freezing credit reports, enrolling in monitoring services, and filing claims ]. 
I urge the CFPB to take immediate and transparent action to address this breach and protect affected individuals. Providing resources such as free credit monitoring, identity theft protection, and guidance on minimizing risks would be invaluable to those of us affected. Additionally, I request updates on the investigation into the breach and assurance that measures are being implemented to prevent future incidents. 
Thank you for your attention to this matter. I look forward to your prompt response and the actions you will take to assist impacted individuals like me. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am wrote to XXXX, XXXX, Experian, its partners, and affiliates : I am rescinding and opting out of their company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XX/XX/year> XXXXXXXX XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates to fully compensate for the various violations including but not limited to breach of trust, within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Best regards,