23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 USC 1681 Section 602 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 a account without my written instructions.

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
Product: Credit card or prepaid card

I had on multiple occasions sent emails, calls etc to Netspend that was allowing people not myself to open accounts These people rented on my name hotels cars etc and didnt return or had charges on them and was never me I had no k owledgw
Product: Money transfer, virtual currency, or money service

Hi, I signed up with Robinhood on XX/XX/XXXX. I signed up for their upgraded Gold account for {$9.00} which gave me a higher margin account. I made an initial deposit of {$4000.00}. Which is all I used on there. My other bank I tried to deposit funds with kept rejecting Robinhood deposits. So they put a hold on my account. Which was unnecessary since I had everything I needed to covered. They then limited trading with stocks such as XXXX and others that I bought. 

They basically said they had to put a hold on my account as I did not enter my legal name on their website. My driver 's license says XXXX. XXXX is my middle name. Middle name was not a required field. I entered XXXX XXXX. Good stall tactic. 

So I told them since they are holding the account, not allowing me to do anything, I just wanted my {$4000.00} back and they could close the account. They will not respond to me. I have tried all avenues to contact them. There emails are coming back now saying something equivalent to the mailbox is full.
Product: Credit reporting or other personal consumer reports

" Non Mailable Address '' - 1974 Privacy Act XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX paid out a {$500.00} transfer that my bank returned ( and charged me return fees on ) without my knowledge, consent, or any indication in their terms of service that they would be doing any such things. I paid the recipient cash since after and thought the matter done, but XXXX  just took a {$310.00} payment 2 years later, claiming that I owe them {$500.00}.

I never applied for credit, was informed of a balance, or consented to it. Furthermore, prior to receiving the payment, I checked my account and it showed a {$0.00} balance, not $ -XXXX  and my account was not frozen or labeled as having any problems with it.
Product: Credit reporting or other personal consumer reports

I'm a survivor of fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for XXXX  XXXX bankruptcy last year. While other debts reflected this in my credit report immediately, my balance with MOHELA was unchanged until the bankruptcy was discharged. At this point, MOHELA updated their listing on my credit report showing that the balance had been discharged, although never made any changes to my account. When I reached out to them, they confirmed that the loan was discharged and said they were waiting for verification and asked for a copy of the bankruptcy discharge. I sent it to them. At that point, they reinstated the balance on my credit report.
Product: Credit card

I booked a two night stay at the XXXX XXXX at XXXX XXXX California for XXXX XXXX. I booked my stay at this specific property because there is a American Express Hilton XXXXXX/XX/XXXX Credit Card offer where it provides a {$100.00} property credit when you call Hilton and book a minimum of XXXX nights either at a XXXX or XXXX XXXX. I was under the impression that the {$100.00} credit would come in the form of a statement credit, however, I assumed wrong. I reached out to AMEX for help and they said that this credit can ONLY be applied during reservation with a unique code that is nowhere to be found when you click on the benefits under the " {$100.00} property credit '' page. They claim it is within the Terms & Agreement link but I have two issues with this argument : 1. It is misleading to NOT have that explicitly stated within the 'main ' page within this specific benefit ( information within the attachment ) 2. Every other benefit with this credit card -- {$400.00} Hilton XXXX XXXX, {$200.00} XXXX XXXX, {$180.00} CLEAR credit -- are all statement credits. To have 3 of 4 be statement credits, one would reasonably assume that the {$100.00} property credit at XXXX or XXXX would be the same, a statement credit applied in your account. 

However sadly this was not the case and AMEX has refused to rectify the situation. I am submitting this complaint as I believe this practice is misleading and their information on the main page is NOT clear and explicit enough that this MUST be made via a phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. I have 3 inquires from this company. One from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These are from walmart and XXXX XXXX XXXX.
Product: Student loan

I can not get copies of the original loans documents so I can hire an independent auditor to determine if all of the costs from forbearance agreements and fees and interest are accurate. 
I also want to find out how to be part of the class action group suing Navient for the many complaints filed against it by the CFPB
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again.XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened XXXX/XXXX/XXXX  Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

Request for Validation and Removal of Inaccurate Information from Credit Profile I am writing to address a matter of significant concern regarding the accuracy of information on my credit profile. I have recently become aware that your agency is reporting information that has not been properly validated, a practice that directly contravenes the provisions of the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information pertains to the following account : Creditor Name : XXXX Under the FCRA, I am entitled to accurate and verifiable information on my credit report. The reported account has not been adequately validated, and as such, I am formally requesting that your agency comply with the following : 1. Provide full validation proof : Furnish detailed documentation supporting the accuracy and legitimacy of the reported debt, including but not limited to the nature of the debt, the amount owed, and the original creditor. 

2. Compliance with FCRA : Acknowledge and rectify the violation of the Fair Credit Reporting Act by ensuring that all information on my credit report is accurate, verifiable, and in compliance with the law. 

I emphasize that the inaccurate reporting of this debt is not only damaging to my credit standing but also constitutes a violation of my rights under the FCRA. If your agency fails to provide the requested validation information within the stipulated time frame, I reserve the right to pursue legal action to rectify this violation. 

To facilitate communication, kindly forward all written correspondence, including the requested validation information, to the address within this complaint. 

Alternatively, I request the prompt removal of the inaccurate account from my credit profile if full validation proof can not be provided within the specified time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution to rectify this violation of my rights under the FCRA. 

Thank you for your cooperation.
Product: Student loan

I applied for loan consolidation and selected XXXX XXXX as my loan servicing company. We discussed public service loan forgiveness but was not sure if I qualified because I worked through registry XXXX XXXX XXXXXXXX  and also XXXX and XXXX XXXX XXXX XXXX and I also worked in rural XXXX XXXX XXXX and in rural XXXX in XXXX Most of the time I had not made consistent payments and even when I asked for confirmation from my registry I never received a response. I told the agent at XXXX XXXX that I may not claim past public service because I was not able to go back and trace my prior managers to get them to sign as I do not have the money nor the time to travel and accomplish all of this. I went ahead and filed for loan consolidation with XXXX XXXX. I never received confirmation and when I followed up I was told by XXXX XXXX that they never received my application so I contacted Studentaid.gov and was told that Fedloan was my servicer. I was very distressed to find out that they assumed my loan. I do not want them. I was told that they will cancel my loan but I never written confirmation that they will do that. I resubmitted a paper application and uploaded it to XXXX XXXX for loan consolidation. I want to make sure that Fedloan DOES NOT assume handling of my loan. Fedloan has poor customer service and I do think they are diligent.Each time I call with a problem I stay on hold more than 30 minutes and they never provide written confirmation of anything. I want Fedloan to cancel the loan consolidation so that I can consolidate my loan through XXXX XXXX. I WILL NOT be applying for public service loan consolidation at this time. Therefore, there is no need for Fedloan to service my student loan.
Product: Checking or savings account

I wish to file a complaint against JPMorgan Chase Bank for withdrawing a total amount of {$9700.00} from my bank account without my authorization. I demand immediate reimbursement of all funds by JPMorgan Chase Bank. 

Here are the details : On XX/XX/2024, JPMorgan Chase Bank made unauthorized withdrawals of {$1800.00}, {$3000.00}, {$1400.00}, {$500.00}, {$2900.00}, and {$1.00} from my bank account, totaling {$9700.00}. 
On XX/XX/2024, upon discovering the unauthorized transactions, I immediately contacted JPMorgan Chase Bank customer service, who assisted me in filing the first claim. 
On XX/XX/2024, JPMorgan Chase Bank customer service informed me of the rejection of reimbursement. 
On XX/XX/2024, I filed a police report and presented it to JPMorgan Chase Bank again. The bank staff assisted me in filing the second claim. 
On XX/XX/2024, JPMorgan Chase Bank staff once again notified me of the refusal to reimburse, stating it as the final decision, without providing any written documentation.
Product: Bank account or service

Hi. We are XXXX XXXX XXXX XXXX. On Friday, XXXX/XXXX/15 XXXX XXXX Pacific time, we called ING Direct bank to close our savings accounts. ING Direct XXXX bank is an online/internet bank that is now owned by the Capital One bank. Our call was routed to a representative named XXXX. XXXX without our permission opened a new account for me ( XXXX ). Her action is the exact opposite of what we intended to accomplish. We believe the bank records telephone conversations and our equest is that someone listen to the recording. At the end of the call XXXX transferred the call to the security department to finish the transaction. Our thought was that the final step was required to close-out the account. XXXX transferred the call to XXXX in the security department. XXXX said " he does n't understand and that it show on his screen that we tried to open an account and that the call was transferred to him due to security issues regarding opening an account. XXXX mentioned that once our call ends he will talk to XXXX regarding why she tried to open account ''! We thought the matter was resolved with XXXX 's help. Howeever, about XXXX hours later we received an Email from Capital One - ING Direct XXXX - that in order for us to finish setting up our newly created account we need to call the bank. Let us repeat, WE DID NOT call to open an account. The intention of the call was the exact opposite, we called to close our accounts!
Product: Consumer Loan

I went to XXXX Kia in XXXX XXXX, VA to find a new vehicle. My vehicle, XXXX Kia Forte financed by NFCU with a balance of {$6800.00} was in an accident and the insurance company delayed payoff. I am pregnant and need transportation. The dealership sold me a XXXX Kia Sorento and told me they would pay off my trade-in and that my total cost out the door would be {$22000.00}. I did not understand what was happening. Navy Federal provided me a blank check that I wrote out for {$22000.00}. I thought the dealership was going to pay off my trade-in as they had stated. The Dealership did not pay it off. The dealership documents did not show the negative equity on the paper work. The dealership wrote up XXXX deals. On XXXX they said they were giving me {$1500.00} as a down payment to help me. On the other they did not have the down payment. On XXXX they indicated that there was no negative equity and the balance due at delivery was {$22000.00}. I recorded the conversation at the dealership where they said what the actually did. I was pre approved for the new car loan by NFCU for up to XXXX. The paperwork from NFCU indicated that my max loan amount could not exceed XXXX and that it would be in addition to the existing loan balance of {$6800.00}. The print from NFCU is really little and it did not make since if the dealership was going to pay off the trade-in in full. The dealership indicated that NFCU would not take checks on NFCU to NFCU loan purchase and trade-ins.
Product: Payday loan, title loan, or personal loan

I originally borrowed {$600.00} from National Small Loan and I already paid {$870.00} and now they are stating I still owe them an additional {$850.00}. I already paid over {$270.00} in interest which is equivalent to an annualized percentage rate of over 500 %. This is illegal in the state of Florida. The maximum annual percentage rate is 18 %. 

Florida 's usury laws, set forth in F.S Ch. 687, prescribe a maximum rate of interest of 18 percent on loans of less than {$500000.00}.
Product: Checking or savings account

On XX/XX/19 I went to the bank ( BB & T ) to open a CD with {$4500.00}, I counted the amount and left it on the desk for the person to take it up to the teller. He took the money up to have it counted. A few minutes later he came back and told me I was short {$780.00}. I took more money to make up the difference. I was so upset that I left the bank. I called the bank back and ask to she the security video and the manager told me the tape had to be review by the security unit and she would get back to me in about a week. She asked me not put put this on social media. I called her back after a week and she said she had not information for me and it could take weeks or months to it to be resolved. She was more worried about the employee then myself, she said his job would be on the line
Product: Debt collection

We called and cancelled our the XXXX XXXX trial XX/XX/2022 which was within the first 30 day trial period XXXX talked us into trying. We were then charged {$100.00} the first month, called to cancel again, and were charged {$100.00} again for another month. We never used the service once and cancelled within the first 30 days but were incorrectly billed still. I talked to XXXX several times trying to get this charge reversed and they agreed that the charges were not valid but that they had no ability to reduce the charges since we were cancelling all of our services with them and were showing a past due balance. This was fraudulent/unauthorized charges from XXXX and they even stated this as well. This has now been sent to collections with Sunrise Credit Services who I disputed the charges with also. They said XXXX is validating the overcharge now since they don't know when we requested to have the TV service cancelled.
Product: Credit card

I am having an issue w/Well Fargo Nat'l Bank @ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX in that I recently p/o my debt to them IN FULL, in the amt. of {$48.00} & $ XXXX, XXXX separate chks. I mailed the chks., w/the bill a FULL days days ahead. The bill was due XX/XX/XXXX, they have repeatedly held my chk. to be able to stick me w/a LATE FEE & in this case, in addition to the late fee, chg. me INTEREST, as well. I just rec 'd a bill in the mail for {$71.00} & they have closed my acct. They are a horrible bank to deal with! I am a recent widow & only get pd. once mo. & send all bills currently due the XXXX of every month. I have sent them a letter, stating my complaint & that I am contacting the FTC. I have NO plans to pay for the late fee nor added interest. These institution is schiestering people constantly - I have had enough of it. I hope you will contact them to dispense these bogus fees, please!!! 
Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXEmail ; XXXXXXXXXXXXPS- You may respond to me either in writing @ my address above or my email. Thank you for your time & cooperation.
Product: Credit reporting or other personal consumer reports

In XXXX & XXXX of XXXX  I called XXXX several times to correct my name, address, and employment. The customer service reps gave me a hard time. I was told I couldnt change my own information. Very rude people working at XXXX. My acct is locked due to someone stealing my social security info during the pandemic. Every time I called I went through high risk and passed. It shouldnt been an issue. They kept transferring me around to different reps. By law I have rights to make sure my personal information listed on the 3 credit agencies are correct, so that my information wont end up in someone elses hands. Especially all the different addresses thats listed. Important information can go to the addresses thats listed. No one should be treated how I was treated. 

TransUnion & XXXX was very nice. Once I passed high risk they stated they would submit the changes. The only issue I have is they didnt correct the changes I asked.
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : 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: Credit reporting, credit repair services, or other personal consumer reports

I would like to have have the following accounts Deleted and Removed from my Credit Report and Credit File. I have never done business with these companies verbally or written there is no exchange of business or service between me and the following companies listed. They are in violation of my RIGHTS and the FCRA LAW. Account Name : XXXX XXXX Account # XXXX Balance {$1900.00}, Account Name : XXXX Account # XXXX Balance {$140.00}, Account Name : XXXX XXXX XXXX Account # XXXX Balance {$940.00}, Account Name : XXXX XXXX Account # XXXX. I have not given written consent to have these accounts on my credit report and would like for them to be DELETED from my credit file and credit report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I did all I can do I sent letters, made phone calls I even got a police report to prove my case.I called credit acceptance multiple times and asked them to show proof or anything that can prove that had a car or loan through them.Not once did they show any proof of any kind nor any information other then making false reports on my credit report. 


dates XX/XX/2023 for {$8800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times for Experian to verify these 3 credit card accounts from XXXX XXXX. I asked them to verify these 3 accounts. Each time they write back and said the account is verified. I have requested that I receive original documentation from these accounts and each time they do not verify the accounts, they refuse to look at my requests anymore. I started requesting this information back in XXXX of 2018 and have been since sending letters. Here are my USPS tracking number from that original time : Experian : XXXX I've also attached their investigation report as well. They did not do a full investigation. they checked e-Oscar and just stated it was validated. I am also requesting a paper copy investigation. I do not give consent for an electronic investigation. 

XXXX XXXX ACCOUNTS IN QUESTION Closed XXXX XXXX - # XXXX Closed XXXX  XXXX # XXXX Closed XXXX XXXX # XXXX