23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts 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: Credit card or prepaid card

I purchased a training course on XX/XX/XXXX from XXXX XXXX XXXX using my PayPal Mastercard. 
I requested a refund and initiated a dispute with PayPal which was honored and recorded on XXXX as well as with PaPal Mastercard.. This should have close the case and would not have any more issues. 
I was charged again for the same amount by the same merchant on XX/XX/XXXX. 
I continued to report this problem with PayPal  and I was refunded on XX/XX/XXXX. 
Many months passed by and on XX/XX/XXXX I found my PayPal money wallet with a large amount and called and they refer me to PayPal Mastercard. 
I looked up the activities of the transactions on their Activity Log and suddenly I see that the negative amount double. 
I called PayPal Mastercard and informed them about it and they will tell me that it was a clerical error in PayPal 's side and it was not them. They gave me instructions to send them a fax and told me that lately PayPal is having these issues or that perhaps that merchant sent a rebuttal. 
I try to call PayPal but was not successful and when I review PayPal 's credit card statements I did find an extra credit of the same amount credited to me on XX/XX/XXXX noted as Adjustment-Purchases. 
I contacted the merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX yesterday XX/XX/XXXX and he agreed to send me a letter to confirmed that their were only four transactions that zero out and there were no other transactions between us. 
I try to call them both and was not successful. Today, XX/XX/XXXX XXXX Mountain Standard time I called again to inquire why they added an additional amount and the agent hung up after she said something that was not audible.
Product: Credit reporting or other personal consumer reports

I have been a XXXX XXXX customer since and during that time, I have enjoyed the experience and learning process of managing credit cards responsibly. XXXX XXXX is the first company that was willing to extend credit to me. 

I am writing to humbly request that you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have late payments with XXXX XXXX. since then i have not had a single missed payment
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

Fees** **Name** : XXXX XXXX **Account Routing** : XXXX **Account Number** : XXXX **Address** : [ Your Address ] **Phone Number** : [ Your Phone Number ] **Email** : [ Your Email ] -- - **Dear Sir/Madam, ** I am writing to file a formal complaint against JPMorgan Chase Bank regarding unauthorized overdraft fees applied to my account despite multiple requests for these transactions not to be approved.

I hold a checking account with Chase, identified by the routing number XXXX and account number XXXX. On [ specific date ], I contacted Chase 's customer service to request that no transactions be approved if there were insufficient funds in my account to cover them. Despite this request, Chase has continued to approve transactions, resulting in overdraft fees being charged to my account. 

The details of the unauthorized overdraft transactions and fees are as follows : - [ List specific transactions, dates, and fees ] I have made several attempts to resolve this issue directly with Chase 's customer service, but the problem persists. The bank 's actions are causing financial hardship and are contrary to my explicit instructions. I believe Chase is in violation of Regulation E, which requires banks to obtain affirmative consent before charging overdraft fees for ATM and one-time debit card transactions.

I request that the CFPB investigate this matter and take appropriate action to ensure that Chase adheres to the regulations and policies designed to protect consumers. I also seek a full refund of the unauthorized overdraft fees charged to my account and assurance that no further unauthorized overdraft fees will be applied. 

Thank you for your attention to this matter. Please feel free to contact me if you require any additional information. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters to XXXX, XXXX, and Transunion requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ while checking my report I corrected my personal inforamtion with documents like my state ID, and a proof of evidence this information was ignored and re-investigated and updated to no no change at all. The exact same items on credit report and after the re-investigation these accounts remain the same. The companies say they updated after re-investigation but the same inaccuracies remain. There were no re-investigation nor investigation from the start.
Product: Credit reporting or other personal consumer reports

XXXX XXXX also being reported at same time as the above mentioned XXXX XXXX XXXX XXXX Disputed incorrect information being reported to all 3 Credit Bureaus after I was notified of a XXXX XXXX XXXX CA address was reported on account. I previously disputed this account as fraudulent but response from company stated INVESTIGATION RESULTS- VERIFIED AS ACCURATE. I also submitted a fraudulent report with Consumer Finance at that time. ** Please note in the screenshots of the 3 reported fraudulent addresses reported and the 2 reported fraudulent Social Security Numbers that are not mine.
Product: Debt collection

( was not allowing me to add my social in the last page my last XXXX of my social is XXXX ) On XX/XX/2022 I sent a collection company ( Penn credit corporation ) a dipute letter request evidence of contract since I never had a debt with this company the letter was sent certified mail with tracking number XXXX ) the company failed to send the requested information and is still being reported in my credit and is causing me to fail to complete the purchase of my house. I contacted the company multiple times and they assure me since they didn't have enough proof of the debt being mines is deleted from there collection agency they provided me with a ref number XXXX. I asked for a letter of deletion and they are giving me the running around. I disputed the debt with all the Bureus and XXXX wrote that the debt was verified as accurate?? How is that correct when the company didn't provide the requested information in a reasonable time and also asure me the debt is deleted? Please help me with this matter because this can harm me very seriously and it's a fraud what they are doing.
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete information. According to the fair credit act section 609 a1a. You are required by federal law to verify through physical verification of the original signed contract. Any and all accounts that you post on a credit report, otherwise any one paying you for your debt is probably fraudulent. I demand to see a verified proof. If you fail to validate, remove from my account immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account with my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

i made a claim to wells fargo regarding fraudulent activity on my account and found over {$9000.00} in fraud activity in my account, i tried everything to get help and wells fargo twisted and manipulated my statements and said it wasnt fraud!! Oh and the worst part is they made me pay back a couple XXXX dollars which i did because my account was negative, then they proceeded TO CLOSE MY ACCOUNT!! they said this was due to too many transactions??? im very frustrated and try and contact wells fargo to get my money back and hopefully open a new bank account somewhere else but they have seemed to tarnish that for me. i need help and i want my money back!!
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT! 
Transunion is lying and they are violating my rights. It is their duty to treat every dispute as an accurate one and proceed with the proper investigation. We ARE NOT in litigation! There is no litigation pending and any prior litigation has been settled ( see attachment named signed documents transunion ). They took on this duty and as taking on this duty it is their grave responsibility to ensure each report is reporting fairly and accurately. They neglected my complaint and said we are in litigation together which is false. This is unfair and deceptive practices that violate my rights as a consumer. PLEASE TREAT THIS DISPUTE ACCURATELY, or I will be force to make a complaint to the states attorney general. 

THIS IS NOT A DUPLICATE COMPLAINT! 

I, XXXX XXXX am a natural born live and breathing human being, Pursuant to 15 USC 1681 section 602 states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX, XXXX, TRANSUNION, XXXX XXXX, XXXX is reporting accounts on my consumer report, WITH OUT MY WRITTEN INSTRUCTION! IF YOU HAVE MY WRITTEN INSTRUCTION PLEASE PRESENT IT TO ME! ALONG WITH EVERYTHING ELSE IN YOUR FILES TO VALIDATE THESE ACCOUNTS ( listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion you have 30 days to provide me with this information! In the meantime your neglected actions constitutes as FRAUD, and these accounts must be corrected within 3-4 days. 


UNTIL YOU CAN FURNISH THE PROOF THAT I AM ASKING FOR SHOWING YOU ARE NOT IN VIOLATION OF MY RIGHTS. THIS IS NOT A MISTAKE, I WILL FILE A LAWSUIT FOR YOUR NEGLIGENCE OF THE LAW. This is not a duplicate complaint. I am clearly stating this complaint is not duplicate. Please do NOT IGNORE ME.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Student loan

In XXXX, I took out a private student loan for {$10000.00} which is currently under the XXXX XXXX XXXX XXXX and another one for {$25000.00} which is currently under the Lender, XXXX XXXX  of PA. 

Today, my loan balance for the loan I took out in XXXX is {$11000.00} and the loan for XXXX is {$23000.00}. I have made monthly payments in the amount of {$120.00} and {$240.00} over a 12 year period. I noticed that my principle balance is not moving as I pay down my loans and there is no end in sight. Every year, it appears as if a new lender purchase my loans without keeping the proper paperwork. 

To date, I have paid a total of {$30000.00} on my private student loans and realized that I am currently being overcharged for private loans that are constantly being sold. This is a total scam, and I see no end insight. I am sick to my stomach because I have been paying on these loans without any end date for payoff. 

I would like a full investigation into all of the companies that have sold my private loans over the years and a full investigation into the amount that I've actually paid over a 10 year period. I have been taken advantage of and will be paying on these private loans for the rest of my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX bank XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. According to the law, you and the data furnishers must certify all aspects of required fcrametro XXXX compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated the following Accounts were properly investigated but how is that possible if it's inaccurate. This alone is grounds for removal. They also violated my rights under 15 U.S. C. 1681 Section 604 A Section 2. The Law clearly states a consumer reporting agency can not furnish an account without written permission XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Despite several attempts to have Wells XXXX remove inaccurate information listed below from my credit report it still remain in violation of the far credit reporting act.
Product: Consumer Loan

Hello. 
I 'm currently trying to apply for mortgage loan, during the process my credit report is showing that one of my installment loans with Fifth XXXX Bank is reporting a late payment. I been paying them and never missed a payment with them. Also if you notice In my credit report I have never been late on any of my loans and credit cards. Also I contacted Fifth Third Bank regarding this issue and they have advice me to contact FTC to get it resolved. This is very important that I get this late payment removed, it 's report in all XXXX bareu and affecting my mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S. Code 1681 section 602 A States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 : 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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan

I was trying to log into my account to see what my balance is because I received a letter from a third party collection agency but have yet to receive any billing notification from Cash Central. When I was finally able to get in touch with the company they gave me a phone number to a company that does not even exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

When i first signed up for the XXXX  Credit Card the Customer service rep. messed up and input the wrong social.Which i had problems to make a payments. I called the company and they fixed the social security issue but not the late payments issue which still appear in my report and is negativly impacting my score. After this i had submit a dispute to the creditor thru XXXX XXXX but didnt recive a feed back.
Product: Money transfer, virtual currency, or money service

I have a Cash App account that I tried to transfer {$170.00} from Cash App to my bank. Unfortunately, I typed in the wrong password, so I wanted to create a new password. Cash App stated that I needed to send information to show proof of my identity. I did exactly what they asked me to do. They continued to give me the runarounds, sending an auto-text of needing the information. I'm a college student I got frustrated because I was getting nowhere with them. To make matters worse you can only communicate through email.
Product: Credit reporting or other personal consumer reports

Transunion is inaccurately reporting an auto loan as open on my credit report with XXXX XXXX XXXX. This loan is closed. I tried disputing this inaccurate information with Transunion directly online, but I kept receiving system errors. My dispute attempts were unsuccessful.
Product: Credit reporting or other personal consumer reports

These addresses and personal information are incorrect and would like for these to be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted XXXX about the {$74.00} debt being reported and they informed me that they had no record of this debt so I disputed it on all three credit bureaus, and it was removed from the other two except Equifax came back as verified debt.