23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, Because Chase did n't answer all my questions in my complain number XXXX. I would like to file a complain again.
Chase especially did n't answer that question how someone else could link their XXXX accounts to my checking and saving without any verification from Chase, as I mentioned in my complain XXXX, Chase even did n't do a basic check such as if name matches. I would like to see the document I signed that authorizes this kind of behavior.
Chase is notorious with data protection of their clients, and when issue happens, they seemed not willing to to help clients to solve the problem and just want to protect them self. I would like to ask CFPB to take a further look of Chase 's practice in this area.
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed a complaint to the CFPB, XXXX XXXX XXXX XXXX, XXXX, XXXX, Equifax, and XXXX XXXX XXXX XXXX regarding a payment issue whereby I had OVERPAID the XXXX XXXX XXXX by {$750.00} and UNDERPAID XXXX XXXX XXXX XXXX by the same {$750.00} amount. As a result of this complaint, a XXXX XXXX Senior Specialist in Corporate Customer Relations promptly researched the issue, verified the payments, and corrected both the XXXX XXXX XXXX XXXX account to reflect paid and current ( NO adverse entries on my revolving account ) AND she generated an AUD Correction Update to XXXX, XXXX, and Equifax to notify them of the correct payment, correct balance, and to ensure the removal of any adverse payment information that may have been previously reported to these three credit reporting bureaus. The date of this AUD Correction Update was XX/XX/2021. I noted that both XXXX and XXXX promptly corrected their records and my credit score was immediately restored upward by both, 91 points, an exact reversal of the earlier, derogatory entries. I received no acknowledgement of the correction from Equifax. However, on XX/XX/2021, I received an alert that Equifax dropped my credit score by 91 points. Upon further research, I noted that Equifax appears to have entered the AUD Correction Update as an if reflecting INCREASE of {$750.00} to my XXXX XXXX XXXX XXXX balance, not a DECREASE of this amount - thus creating yet another derogatory entry to my credit record with the Equifax firm. I am requesting that the AUD Correction Update be reviewed and if entered incorrectly, CORRECTED to reflect an accurate record of payment and balance on my XXXX  XXXX XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The items are listed below that need attention : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXX XXXXI Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
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  XX/XX/21 The XXXX XXXX is going to be the crazy one. I was never going to buy that car. I took it on an extended 2 week test drive, and they were so certain that I was going to buy it that they ran my info anyway without my knowledge or consent. They shopped my credit around on both of them when I told them to only run XXXX XXXX because I already had a really good relationship with them and car buying. They agreed, but they shopped it around anyway. And if you want my other reports that we bought that vehicle through XXXX XXXX and then went back on the 19th of the same month and bought another car, also through XXXX XXXX, they decided to shop my credit around again without my permission. Both times we had a verbal agreement with the salesman, manager, my wife, and I to only do XXXX XXXX. I know you all want to give the run around saying they all count as one, but that's not what credit card companies see when you try to apply for a credit card.. all they see is the amount of inquiries, not what they were from, just the number of inquiries. And also the number of inquires brings down your credit score so many points for each inquiry. According to the fair credit act that's illegal to begin with. They only had my permission to run one company and that's it. I want these taken off so I can get everything off of my report that shouldn't be there and I can put a freeze and all the bureaus.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I PERSUME THAT PROOF OF TEH ALLEGED DEBT, NOR THEREFEORE ANY SUCH DEBT, IN FACT THEREFORE EXIST EXPERIAN CREDIT BUREAU IS REFUSING TO INVESTIGATE SAID INACCURICAIES
Product: Checking or savings account

On XX/XX/year>, XXXX bank, with whom we have maintained an account for nearly XXXX years, sent an email notifying us that they had frozen our account due to over XXXX virtual cards that were left open. They requested a detailed business description along with past invoices as part of this abrupt and unprecedented decision. Be mindful that this is XXXX XXXX XXXX account- not a fresh business - meaning it already went through all the checks. 

We only discovered this email on XX/XX/XXXX and promptly complied, providing the requested invoices. On the same day, we contacted the bank to clarify their policy on virtual cards. A representative informed us that the maximum number of virtual cards permitted is XXXX active cards at any time. Upon learning this, we explained that any breach of this limit was purely accidentalunused cards were inadvertently left open due to an internal oversight. Nonetheless, the bank assured us they would escalate our case to the compliance team. 

However, rather than resolving the matter after I ( the business owner ) personally offered a clear and reasonable explanation over the phone, the compliance team responded with yet another intrusive demand : they now required access to email communications between our company and our clients. This level of scrutiny is unwarranted and a gross invasion of privacy, especially for a simple administrative oversight like failing to close unused virtual cards. 

Not only has the bank withheld our funds without immediate reinstatement following our explanations, but they are also actively probing into sensitive internal communications. Such actions demonstrate a grave disregard for the trust we placed in this institution over the past two years. This response is entirely disproportionate and unacceptable.
Product: Student loan

When I consolidated my loans back in XXXX with Navient, they told me in 10 years I would be able to have my loans forgiven since I work for a non profit. 17 years later, I found out they were dishonest about my loan and I am still paying on it after working in the nonprofit field for 20 years.
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 USC 1681. 

XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : 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 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite 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 transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account Transactions
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle, many times and reporting discrepancies, my financial institution ZELLE failed investigating My claims adequately. They informed me the recovery of lost of funds was impossible In that tracking these transactions was unfeasible. The CFPBs Finding indicates That ZELLE has not only neglected To protect the consumer But to allow repeat offenders To exploit the system Leaving users vulnerable. This lack of accountability and transparency Is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I was notified by Bank of America that there were fraudulent charges on my account. I notified them that nine charges were not mine. They are now dragging their feet and will not discharge {$1400.00} charges that I did not authorize. I met with a banker on XX/XX/XXXX  and I will meed again with the banker today XX/XX/. Their accounting seems suspect because some fraudulent charges were removed and then added back to the charges. They will not clear my account.
Product: Debt collection

Please review my report. I notice the creditors are not cooperating with my request to remove inaccurate accounts from my credit report.
Product: Mortgage

Dear Director, My loan is backed by XXXX XXXX 


According to 1024.17 ( c ) ( 3 ) found on the Consumer Financial Protection Bureau website : Cushion.The cushion must be no greater thanone-sixth ( 1/6 ) of the estimatedtotal annual disbursementsfrom the escrow account. 


United Wholesale Mortgage  performed another deceiving Escrow Analysis ( like all of them by now ) and identified an Escrow Shortage of : {$7700.00} without offering a break down. 


When United Wholesale Mortgage performed this analysis my Escrow Shortage indicated a negative balance of - {$4400.00} ( please see attached ). 


We can only assume that the difference to {$77000.00} is cushion. 


cushion iswrongfulcalculated as : {$3200.00} Considering that my Property Mortgage Insurance, Property Tax and Homeowner Insurance ALL costs $ XXXX, also called total annual disbursements ( please see attached ) then 1/6 of this amount is : {$1500.00} CUSHION SHOULD BE CORRECTLY CALCULATED AS {$1500.00} Please stop violating RESPA and the Federal Law and please enforce the corect amount for the ESCROW ANALYSIS you performedand eventually you will respect my rights as a consumer without constantly abusing me and my account and deceiving me or my account. 


My Escrow Account shortage should be adjusted accordingly and the way you charge it should be spread over a 60 month period.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent out a method of verification letter to Experian asking them to verify how the investigated my dispute with XXXX. The sent a generic form of how they SHOULD do investigations but now how they specifically investigated mine. The did not show the course they took or how they went about handling it with XXXX. I sent over proof that XXXX had me in forbearance in XXXX with an IBR and  also school enrollment these years and letters from XXXX showing forbearance dates but is inaccurately reporting late payments on my credit report. XXXX originally sent me 22 pages of my forbearance approvals in my inbox on their system and then deleted all but 6 pages so I would not have proof, thankfully I screen shoot those images and I sent those items to Experian along with my school enrollment and yet they still verified the late payments were accurate with an E-Oscar method which is not a valid way to verify debt. I request that since Experian could not verify the method of verification on MY account they remove all late payments from all 13 of my student loans that I have originally requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC 1681 s-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 this information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXXXXXX XXXX XXXX XXXX ACCORDING TO 15 U.S.C 1681n, YOUR COMMUNNICATION IS IN VIOLATION OF MY LEGAL RIGHTS. I FORMALLY REQUEST THE REMOVAL OF THIS INQUIRY FROM MY CREDIT REPORT AT YOUR EARLIEST CONVENIENCE. THANK YOU.
Product: Debt collection

SYNCB Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. One XXXX, SYNCB placed a negative action on my credit report and it is affecting my ability to attain new credit.
Product: Credit reporting or other personal consumer reports

This follow-up complaint is filed to hold Equifax accountable under FCRA 605B ( 15 U.S.C. 1681c-2 ) for failing to block fraudulent, inaccurate, and unverifiable information from my credit report within the required 4-business-day timeframe. I submitted my initial complaint on XX/XX/2024, providing all necessary documentation, including an FTC Identity Theft Affidavit and supporting evidence. As of today, XX/XX/2024, Equifax has not resolved the dispute, violating statutory requirements. 

This complaint pertains to the following accounts, which violate FCRA standards for accuracy, completeness, and verifiability : XXXX. XXXX XXXX, XXXX Contradictory Information : Listed as Charged Off while still reporting a past-due amount of {$35.00} and delinquencies ( e.g., 120 days late in XX/XX/2024 ). 
Violation of Metro 2 Standards : Once charged off, no further delinquencies can legally be reported.

Missing Date of First Delinquency ( DOFD ) : No DOFD is provided, violating FCRA 605 ( c ).

Inconsistent Status and Balance Dates Across Bureaus : Equifax lists the charge-off date
as XXXX XXXX while XXXX  lists it as XXXX XXXX violating FCRA 1681e ( b ). 

2. XXXXXXXX XXXX  Inconsistent Reporting Across Bureaus : Listed as Open with Equifax but Closed with other bureaus. 
Inconsistent High Balance : High balance is reported as {$2100.00} with Equifax but differs with other bureaus.

Post-Charge-Off Delinquencies : Reflects delinquencies ( CO status ) for multiple months in 2024 after being charged off, violating Metro 2 reporting standards.

Missing DOFD and Creditor Classification : The account lacks essential details required under FCRA 605 ( a ) and 1681c ( a ) ( 4 ), rendering it unverifiable.

Violations of the FCRA These accounts violate multiple provisions of the FCRA, including : 1. FCRA 1681e ( b ) : Failure to maintain maximum accuracy and consistency in reporting.

2. FCRA 605 ( a ) : Prohibition of unverifiable or outdated information.

3. FCRA 605 ( c ) : Requirement to accurately report the Date of First Delinquency ( DOFD ).

4. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Obligation to block fraudulent and unverifiable accounts within 4 business days.

5. FCRA 609 ( a ) ( 1 ) : Right to access and verify all information used in credit reporting.
Product: Debt collection

greetings! 

i keep receiving a debt collection letter from ARS stating i owed {$960.00} during covid i went to the emergency room at XXXX XXXX in XXXX virginia and the bill was paid in full by the owner of the company i work for like in a week or 10 days after i was at the hospital i sent an email to XXXX asking why they put me in collection but all i got was an email stating case is closed went to buy a car a couple of weeks ago and the guy at the dealer told me about my credit report showing the collection issues which damaged the transaction
Product: Checking or savings account

on " XX/XX/XXXX " I received an email from who I later learned was a " XXXX scammer, '' wanting to buy an expensive painting I had listed on XXXX. I had absolutely no clue what kind of mess this individual would put me in. The man who I have saved screenshots of sent me a " fraudulent check '' of twice the amount listed because supposedly he had hired a team to move the painting securely out of my residence. The check went through and I never suspected any kind of wrong doing until for some reason 3 days later, after the money had already been used for rent, it was returned and in XXXX weeks time, without notice, my account with USAA was closed. I am a United States XXXXXXXX XXXX veteran and i have been with USAA since XXXX. This account is also where I used to receive my XXXX benefits every month. I only got an email. This man who sent me this fraudulent check should be held accountable. I try to see the very best in people and try to see the world as negative as it sometime can be but at this point, in my honest opinion, was me being naive and he took complete advantage of that. I'm looking to see if there's anything I can do to at least come to good standing with USAA as they are also my car insurance providers.
Product: Credit card or prepaid card

I had called years ago to close my Kay jewelers account that I was lured into opening in a store when the guy said it was a membership card and it actually was a credit card. So I called right away when received to close it. And now in XX/XX/2019 is see on my XXXX credit score that this account is still opened under the name XXXX XXXX/Kay jewelers. Which is an odd buy out from the Kat jewelers account that does appear as closed. Could you help me close any account with this company for good?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been ruthlessly targeted by identity thieves, and I am filing this formal complaint to address the outrageously fraudulent information infesting my credit reports. It is important to note that the following items have absolutely no connection to me, and I vehemently declare that I have neither benefited from nor authorized any transactions involving them. The XXXX, Experian, and XXXX Credit Bureaus have displayed a shocking disregard for the Fair Credit Reporting Act, specifically 15 USC Sections 1681i, by recklessly perpetuating unverified information without presenting any semblance of proof within the legally stipulated timeframe. This relentless and unauthorized reporting is an intolerable violation. Provided below are the specific items currently polluting my credit 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. As an afflicted consumer, I assert my unequivocal entitlement to accurate and just credit reporting. Regrettably, it is abundantly clear that the credit bureaus have flagrantly failed to fulfill their obligations in this crucial matter. The presence of fraudulent items on my credit report not only tarnishes my credit score but also severely hampers my ability to secure much-needed credit opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this Account Off My Credit please. This Account should Not be on my Credit This is against The law for someone to steal my identity. I did not give any Consent for this account to be open. 
this is very stressful. I'm a single father that is trying to survive for me and my kids I'm about to be on XXXX XXXX  with my kids cause every time they check my credit they see this fraudulent account which makes me look bad as as a person and theses companies don't trust me which i pay all of my bills on time pleases help me resolve this situation or I will be on XXXX XXXX  with my kids with covid 19 I am so afraid
Product: Checking or savings account

I was online trying to get get a loan with XXXX XXXX XXXX and XXXX XXXX and they asked me for my bank log in and password and they put XXXX XXXX and XXXX XXXX dollars into my account and they told me that I had to pay it back. With XXXX XXXX XXXXXXXX they told me that I need to to XXXX and purchase money cards which I still have and put a amount on there to pay them back to get the loan same thing with XXXX XXXX. I had gotten an email from my bank and I called them this morning and they told me that a check was put into my account and the check bounce it was not a good check. I also gave them a picture of my ID and my social number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that I have no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has me listed on my credit report as being Late in XX/XX/XXXX. My payments for XX/XX/XXXX, were {$87.00} For my loan and {$88.00} For my credit card. I paid {$200.00} on the loan and, {$160.00} on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Loan and Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " XXXX " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, Equifax, XXXX, and XXXX. Neither XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX, nor XXXX have correcited this on my credit report. I have disputed this 5 times with each, with no correction.
Product: Vehicle loan or lease

LOBEL FINANCIAL is still violating my rights as the consumer by not giving me my refund as pursuant to the US codes or as i demanded in my letter they received.