23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Several fraudulent atm transactions were made with out my card and without my consent totalling XXXX and additional charges in the form of fees that american express serve is holding me accountable for. The transactions were made on XX/XX/2024 at an atm located at XXXX XXXX XXXX the city and state is not named in the information available to me. The person made several withdrawals over a short period. As soon as I noticed the transactions by recieving a text message from amex saying that I had a decline fee I called amex to report the fraud and had my card deactivated and requested a new card be sent out to me. I then filled out the dispute forms amex told me I had to fill out innorder to dispute these fraudulent charges. I was now told today that they are declining my dispute and saying that I authorized these charges which I did not authorize. I then called and requested the reason and documentation as to how they reached their conclusion and was told they would send an email to someone else in a different department to reopen the dispute but was told they could not tell me if the dispute was or was not being reopened. I requested phone numbers to contact the people in charge if the dispute and was told they could not give out any numbers except the same account security number I was already on the phone with. The attached document includes the card number of the card that was deactivated. I have provided the current new card number as well.
Product: Debt collection

I have had to go to the local XXXX for XXXX and then when I had received E-Coli, I did not have the money to pay the bills. After continuous calls from patient billing services, they have sent my collections to debt collectors.
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  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 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 had overdraft protection but I am being charged as well as funds are being taken out without enough funds in the account. Multiple occasions.
Product: Bank account or service

I opened a checking and savings accounts with Fifth Third Bank on XX/XX/2017. I have made a few cash deposits and two check deposits. Both checks were from my employer who banks with XXXX bank the checks are drawn on an account from there. The first check for XXXX cleared no problem the second for XXXX has been placed on hold. I deposited the check in question on XX/XX/2017 they want to hold the funds until XX/XX/2017. The reason they claim to be doing this is because of my account being new. I have already spoke to my employer and there is no problem what so ever on their end the check has already cleared their bank. The is no logical reason for the hold.
Product: Vehicle loan or lease

This is my second complaint about Ally Financial. They lied in their response to me in a complaint filed the CFPB on XX/XX/XXXX. They said they had contacted XXXX on XX/XX/XXXX to request my GAP refund. I spoke to representatives from XXXX on XX/XX/XXXX who indicated they had not received any request for refund and in fact my contract was still active so Ally lied to me about taking action to close the account. If there is a miscommunication between Ally and XXXX, Ally has done nothing to fix the issue and provide me with a lien release nearly two months after the loan has been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, MI XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Checking or savings account

I did a XXXX transaction of {$1500.00} on XX/XX/year>, which failed immediately, but my account was deducted {$1500.00}. I contacted Navy Federal numerous times regarding the failed transaction, and we just kept going in circles. After multiple calls to Navy Federal, an associate filed a dispute, read the disclosure, and told me I would get an email, which I have yet to receive. I called back to the bank, and another associate stated she couldn't see any dispute filed on her end and decided to file a second dispute, but I still didn't get any email. I called again, requesting to speak with a supervisor who told me he couldn't see any dispute on his end and asked me to wait till XX/XX/year> before calling back and filing another dispute. I called Navy Federal back, and another associate stated she would file a third dispute. I made her aware that their associate keeps filing disputes on the same case, but I don't get any email, and whenever I call back, the following representative states no dispute was filed. I tried explaining the situation, but she couldn't address my concern and only wanted to file a dispute. I requested to speak with a supervisor who filed a third dispute, and I mentioned that the dispute didn't go through ; the supervisor stated it had gone through on her end. After much explanation from my end, the supervisor asked me to log into my account to check the dispute on my account, which I couldn't find. She decided to dig deeper and told me that she realized the system kept kicking the dispute off. The supervisor said she spoke to a different department that stated they would file a dispute differently and told me I would get an email, which I have yet to receive. I later checked my bank and couldn't find any dispute filed, so I called back to the bank and spoke with another supervisor named XXXX, who also gave me the same response everyone keeps giving me. Navy Federal has yet to send an email or refund, and no one has addressed my concerns.
Product: Student loan

I have been on the interest rate reduction plan for several month to help lower my monthly payments by a few hundred dollars ( I owe {$150000.00} - which comes out to {$1300.00} a month without the plan ). When the current plan ended ( {$900.00} a month ) I called to see what my options are - and to hopefully reinstate the interest rate reduction plan. I was told nothing can be done to lower my payment to the rate it was at at that my payment would be increased {$100.00}. ( This comes out to more than 50 % of my income keep in mind ) .This is all fine and dandy but the supervisor I spoke with was extremely rude to me and made me feel bad for asking for assistance. He told me I was the one who signed for the loans and we are not obligated to help you afford your payments. He said its not my problem to help you figure out how to make the payments and your lucky you have been helped out as much as you have been. This guy was a XXXX XXXX XXXX and the 45 min call was no help to me. I told him I would call back and speak with someone else. 

He is right it is not his problem to help me figure out how to afford my payment but when they are taking 50 % of your income they should be willing to work with you. Its just not realistic for them to ask for such a huge portion of your income. I work full time making decent money and also have a second job to make ends meat ... just so I can pay these RUDE people. I am a victim of predatory lending - I signed for these loans when I was just XXXX  and didn't understand the consequences of borrowing money to got to school. 

There needs to be some relief for borrowers so we can have some quality of life before we work our self 's to death trying to pay off our student loans!
Product: Credit reporting or other personal consumer reports

Attached to this complaint shows proof of violations of the FCRA and Privacy Act of 1974. Experian is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported were fraud. Under 15 U.S CODE 1681, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy, and 15 U.S CODE 1681a ( A ) 2 Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S CODE 1681c No adverse items besides the conviction of crimes should be on your report any item that is derogatory mark is not allowed into consumer reports, this is another violation. SAID company is securitizing consumers data and is liable under the SEC to follow certain rules. Experians negligences has caused a severe impact on my life, they should take responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have specifically asked XXXX, XXXX, and transunion to delete all information that is not correct. I have requested that they only have my legal name ( XXXX XXXX ) my legal address ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ) and my legal date of birth ( XX/XX/1981 ) There seems to be multiple different names, and addresses on my credit report. 
They have not removed them, and is not legal to have the incorrect information. Thank you for taking care of this. 

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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a public record on my credit report. I don't have anything negative against me whatsoever so I am unsure why something like this is being reported on my credit. I contacted the agency that is reporting and they indicated that they don't report any information to the credit bureaus. Please remove this erroneous information from my credit report as it's hindering me from purchasing another home. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested certified and validated letter from their data furnisher on the accounts showing a bankruptcy. XXXX states the reports are valid and verified by my bankruptcy attorney but fell short of providing evidence of written verification letter from him/her, plus a consent was not provided by me to access information from their so called attorney. I still need a letter of validation from the bankruptcy court and/or data furnisher about the two bankruptcies that appear on my credit profiles. 

Additionally, XXXX is reporting inaccurate information on the same bankruptcy. Has it discharged. 

Experian states that it was able to validate the bankruptcy with its data furnisher but did not provide me with the name and address of the data furnisher. In the past, they all claimed that the bankruptcy report was from XXXX. I contacted XXXX which wrote that the information was unverifiable and that it would be removed and/or deleted. 

According to FCRA, information must be verified, validated, accurate and fair. 

Please have all 3 bureaus send me certified letter with information of their data furnishers instead of false incomplete and inconsistent claims they continue to make about their credit report data sources. 

Thank you. 

XXXX XXXX XXXX
Product: Checking or savings account

On   XXXX   XXXX  , I opened a  Chase checki ng account online. The account was approved, I received a debit card and information to log into my account online. My initial deposit did not go through correctly, so I went into a branch ( the  XXXX , OH branch ) to make a cash deposit of {$640.00}. However, upon sitting down with the banker, he called a phone number about my account and apparently was told it was listed as " restricted. '' He was on the phone for several more minutes, verifying that I was indeed there to make a large deposit of cash, and then told me that if I wanted to make a deposit, I would have to log into my other ( non-Chase ) bank account in front of him, on his computer, and let him scroll through all my recent transactions and look at a recent statement. I did this, even though it made me extremely uncomfortable. No one ever explained why I was being asked to do this.     After several more minutes, he handed me the phone and another unknown  XXXX  employee goes on to tell me that the account that I had just opened was going to be closed, that they were not going to tell me the reason why, and that I would not be allowed to be a  XXXX  customer in the future. Neither the banker or the phone representative would give me an explanation for this. The banker took the debit card that was sent to me and shredded it and told me to leave.     I have never been treated like this by a bank in my entire life. It was humiliating and uncomfortable. If there was an issue with the account ( which had yet to be funded and therefore has not had any transaction s ), they should have been able to be up front with me about it. The banker now has my login information for an alternate, non-Chase bank account. I 'm not sure why the account was approved in the first place if I did n't meet some sort of criteria to be a customer. I went through all the hoops to show that the account ( AND my other, non-Chase account ) were indeed mine. I had several forms of identification, as well as offered access to my other bank and its statements. This was one of  the most horrifying experiences of my life. I can not believe this.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF ED/XXXX XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} US DEPT ED XXXX Balance : {$200.00}
Product: Checking or savings account

Received two separate emails in regards to two new accounts being opened under my name and SS # with Bank of America on XX/XX/2022. Contacted several local branches and they were no help. Called several phone numbers on their website and was finally able to get ahold of a representative. Received a fraud email containing documents to fill and resubmit, by mail or fax. I do not have any accounts with Bank of America other than the two fraud accounts that have recently been open. I want confirmation that the two accounts have been closed. I will be contact BOA about the forms they asked me to fill out with my personal information. I don't fill comfortable with give them any of my information.
Product: Checking or savings account

I was at XXXX XXXX grocery store on XXXX and XXXX in XXXX, Washington. My debit cards for my business and personal accounts were stolen from me in the parking lot. I called Chase Bank to freeze my account/cards within minutes of this happening. When I got back to my office and pulled up my account information online, I discovered that {$3900.00} dollars had been withdrawn from my personal account. I called the bank again to report this. They stated to me that the withdrawal was made in person from a main branch ( not the one I use ). I provided them a police report and talked to them several times. Their investigation determined that it was " lack of care ''. They refused to return my stolen funds even trying to insinuate that I am careless with my PIN. I sent them a demand letter asking for a review and they have the police report. I have heard nothing back from them. 
There has been an increase in thefts here lately. The news has reported someone stealing debit cards and using a device of some kind to make a new PIN. I reported this right away, no one should have been able to walk into a branch and steal {$3900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint with the CFPB on  X/X/17    #  XXXX . It should have taken 15 days for the company to respond. It has been over a week from the last day it should have taken them to respond. I thought that the CFPB is here to help us, so I am writing this complaint under the assumption that Experian has no regard for the CFPB and will continue to violate the rules and regulations of the FCRA, FDCPA and the guidelines which the CFPB has set forth.     Since there has been no response, I can therefore declare that the information included in complaint #  XXXX  is FALSELY reported due to the lack of a response. I demand that the contents of the complaint be removed immediately or I will be forced to file a lawsuit for each item listed in the complaint at {$1000.00} per item not addressed. My attorney and I are ready to file a suit unless these items are removed from my report.
Product: Debt collection

XXXX XXXX who is merely only a collection manager at Advanced Collection Bureau seems to believe he is correct that these debts belong to me. He then goes on to tell me and put me in duress by telling me it is my responsibility to provide a proper mailing address. This is a threat to me and this is coercing me and putting me in duress! I do provide proper mailing addresses. It is on the duty of the Post Office and Letter Carriers to ensure proper delivery or to ensure notices are left for items which contain signatures if not present. However, the Post Office and Letter Carrier failed. XXXX XXXX has failed improperly reporting these accounts with multiple inaccuracies. With that being said XXXX XXXX needs to know that these debts belong to my ex spouse. And who is XXXX XXXX to me as there is that signature relating to the contract? You can clearly see my name has only been used but I have not signed! When did I undergo all these surgeries? I will report Fraud and Identity theft and XXXX XXXX will be held liable if these accounts are not removed. There is no more room for negotiation! XXXX XXXX is only acting on hearsay! My information was used without my consent! See the attached PDF. How can XXXX XXXX by law legally say I owe these debts?