23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I bank with Everbank which is now TIAA bank. I opened a checking account in 2015. I have called and requested an account closure, but the bank will not allow me to do so. 
I asked customer service why they won't close my account and was told because there's a block on the account, Once I again I asked what the block was for and was giving no reason at all. My bank account currently has XXXX of my hard earned money and, The bank is giving me the run around. Transfer after transfer, from department to department. I am tired of this. Please Help
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 and XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX92, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX on XX/XX/XXXX under the account number # XXXX, for the amount of {$1300.00}. This account has resulted in a fraudulent collections account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. 
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). 
In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. 
XXXX XXXX XXXX delete Account XXXX XXXX XXXX delete Account XXXX XXXX XXXX delete Account XXXX XXXX XXXX delete Account XXXX XXXX XXXX delete Account
Product: Vehicle loan or lease

I sold the vehicle leased through JP Morgan Chase on XX/XX/XXXX. 
A transfer of {$340.00} was made from my account on XX/XX/XXXX for an automatic lease payment. I disputed the charge through my bank, XXXX, on XX/XX/XXXX because I had already sold the car in question and believed I was no longer responsible for lease payments. My bank contacted Chase on my behalf to dispute the transfer as an invalid charge. Chase did not dispute the charge, returned the funds, and the dispute was resolved in my favor. I also requested a stop payment for any future payments. 
When I followed up on several occasions, Chase representatives explained that my regular lease payment was charged on XX/XX/XXXX, because the paperwork for the sale was not processed yet, and informed me that the transfer at issue was listed as a stop payment in the Chase system, which led them to charge me for the unpaid balance of my account. This is directly refuted in my attached documents which clearly shows that the transfer was disputed and resolved, and that the stop payment was specifically made for all future payments. 
On XX/XX/XXXX, I wrote to inform Chase of a computational or bookkeeping error made by their institution, relating to an electronic funds transfer, under 12 CFR 1005.11 ( a ) ( 1 ) ( iv ) and provided the attached information, asking that Chase remove the balance due on my account, and close my account with their institution. 
On XX/XX/XXXX, Chase representative informed me that they had reviewed my information and upheld the charge as valid, despite earlier conceding the invalid charge with my bank. The representative also admitted during the call that they chose not to dispute the charge trough XXXX when the dispute was initially made, because it was " easier to come after me for the money than my bank ''.
Product: Student loan

I have MULTIPLE complaints. 

The first is that information is lacking and is not transparent. There is no way in the system for me to confirm the repayment plans each of my loans is on. 

The second is that they placed my loans in forebearance for NO reason. 

When I emailed to ask about it two weeks ago they never responded. 

They increased my monthly payment claiming it is because some of my loans are on a graduated repayment plan even though I switched ALL of my loans to the standard plan years ago. Since I can not view/access that info, I applied to change all of the loans to standard. They denied it stating my loans are already on the standard plan which begs the question of why were my payment amounts increased and why are they claiming some are on the graduated repayment plan. 

Now, the site wont allow me to submit a question about that. 

It feels that they intentionally fail to provide information or respond to requests for information and I am concerned about what is actually happening with my loans.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received email from Experian ( I have a monitoring membership ) about a car. I dont have new car. Same as Ive had for six years. Provided email as attachment. Tried numerous times via text, web site and phone to contact them. No results. Poor customer service. Think information about car belongs to a relative with new car. This has happened in the past and created time guzzler and other person was denied credit.
Product: Payday loan, title loan, or personal loan

I have been trying to reach out to this company since last month. I have been reaching out to customer service via email and phone. The phone says that there are no available representatives. I am confused with that because i called when the company first opened and it says the same thing. They are not responding to email either. They is getting very frustrating when i am trying to pay my account up to date. They are charging me last fees but how is that possible.
Product: Credit reporting or other personal consumer reports

I was impacted by the Equifax credit breach. In addition to free credit monitoring, Equifax notified me that I was entitled to a portion of a cash settlement. I received an email with a virtual XXXX  debit card in the amount of {$7.00}. I followed the instructions, redeemed my card, followed the instructions to add it to my XXXX XXXX  on my XXXX, and, when I attempted to use it, discovered that it can only be used with a small, limited number of specific merchants, none of which I actually patronize. In other words, the settlement amount was absolutely worthless to me. In addition, if I wanted to exchange it for a physical card ( which is accepted in more places ), I would be charged {$3.00} - just less than half the settlement amount I was paid. To add insult to injury, if the card is not used, monthly fees get deducted from the balance. So, basically, Equifax was ordered by the court to make cash payments to victims of a breach of THEIR security resulting in possible damage to our credit and/or identity theft exposure and it issued payment in an unusable form, which essentially results in Equifax keeping the amount of the cash settlement meant to be awarded to victims. I wrote an email complaining, and received an email response telling me about the claim filing deadlines, etc. etc. -- useless information
Product: Money transfer, virtual currency, or money service

I have been using PayPal, infrequently however, for at least a year. Recently, our family has some financial difficulties that necessitated a family friend to send us {$2000.00} in emergency funds. We chose PayPal since we thought it would be the most secure. Since my parents are not technically savvy and do not have any online accounts such as PayPal or Venmo or XXXX, the money was sent to my PayPal account. When we tried to transfer the {$2000.00} " instantly '' for a 1 % fee, the transfer was placed on a 72 hour hold pending additional review. When I contacted PayPal Support via their Chat Support to inquire why a hold was required, they could not provide a reason and they advised me that I just had to wait. Since our family needed immediate access to funds for living expenses, such as groceries and my parents ' medication, the PayPal Agent cancelled the transfer and referred me to use the " Get Cash '' option where I could withdraw up to {$500.00} at a XXXX Customer Service desk. I fot llowed their instructions and was able to withdraw cash. Early the following day, I discovered my PayPal Account was placed on " Limited '' status which meant we could not access the remaining funds in my PayPal Account. Ironically, the cash withdrawal from XXXX may have triggered the " limited account '' status until I provided an explanation for the transaction. Moreover, they requested a copy of my bank statement. 

I do not understand why PayPal 's system seems to flag my account frequently and still requires 72 hours hold even AFTER I've provided documentation and an explanation for the activities on my PayPal account. I believe that PayPal 's algorithms for detecting potential fraud may actually include a person 's surname, which in may case is a XXXX surname. I have used both XXXX XXXX  and XXXX XXXX, and I have received larger amounts of money from relatives to help pay for my college expenses. I was able to transfer to my bank instantly without any issues or delays. Not a single transaction has been placed on hold or delayed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and identity theft. ALL of the hard inquiries need to be removed from my TransUnion credit report. 

XXXX XXXX Location XXXX XXXX  XXXX XXXX, XXXX  XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/2022 Phone Phone number not available Inquiry Type Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

PA CHILD SUPPORT XXXX CO XXXX XX/XX/2012 Amount : {$1300.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts dont report this type of account. 

Its also a violation of permissible purposes, they need direct written consent from me to report anything on my credit report.
Product: Checking or savings account

Trying to connect to other financial apps but get denied access although I authorize them
Product: Credit card

1 ) XX/XX/XXXX @ XXXX Goldman Sachs posted an unauthorized {$2100.00} credit card payment as noted. 
2 ) On XX/XX/XXXX @ XXXX, I contacted Apple support and I communicated with XXXX . An immediate stop to this unauthorized payment was requested. I informed XXXX that a {$100.00} balance payment was applied to my account balance on XXXX  and I have auto pay in the amount of {$100.00} only, not for full balance in the amount of {$2100.00}. 
3 ) I asked XXXX to place high priority communication to her management team to stop this transaction from being completed. She requested that I contact my bank to stop the payment submitted by Goldman Sachs. 
4 ) I contacted my bank and the bank representative requested that I contact Goldman Sachs to request stop payment of {$2100.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal and blocking of fraudulent accounts and unauthorized inquiries that continue to appear on my credit report despite my repeated disputes. 

As a XXXXXXXX XXXX working tirelessly to provide for my children, I am deeply frustrated by the financial obstacles caused by Experian, TransUnions and Equifax failure to uphold my consumer rights. These errors are preventing me from securing stable housing, employment opportunities, and essential credit resourcesthings that directly impact my familys well-being. 

I have already provided documentation proving that these accounts and inquiries are fraudulent, yet they remain on my report, adding unnecessary financial stress and making it harder for me to create a secure future for my children. This is unacceptable. 

Under XXXX5 U.S. Code 1681c-2, I have the legal right to have fraudulent accounts and inquiries permanently blocked and removed from my credit file. I am demanding that Experian and TransUnion comply with federal law and take action immediately. 

Please remove unauthorized/fraudulent inquiries and accounts Fraudulent Accounts : National Credit XXXX XXXX XXXX XXXX : XXXX Cash Store Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Security Credit Services Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$94.00} XXXX XXXX XXXX XXXX Original Creditor : Astound Broadband Powered By Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  U-Verse Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} Unnamed Collection Agency Original Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Balance : {$0.00} XXXX  Loans Account Number : XXXX Date Opened : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Balance : {$2000.00} Unauthorized Hard Inquiries : Experian Credit Acceptance XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I demand written confirmation once this matter has been fully resolved. Additionally, due to your willful violation of my rights, I am requesting immediate compensation in the form of Certified Funds payable to : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Failure to comply within the legally mandated timeframe will leave me with no choice but to escalate this matter to legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulators. 

I expect prompt action and written confirmation of resolution. Thank you for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

Complaint of XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX : On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, our trust operations back office XXXX and XXXX XXXX XXXX  XXXX  ( XXXX  ) filed a Hold Harmless and Indemnification ( HHL ) for the return of an unauthorized {$40000.00} wire transfer processed on XX/XX/2020. 

It is our understanding the receiving account at JP Morgan Chase ( JPM ) is frozen ( because of irregularities identified by JPM personnel ). XXXX  also informed us that after the HHL was approved, the funds ( or a portion of the remaining funds on deposit ) would be returned.

No funds have been returned and despite numerous inquiries of XXXX and JPM, we have received no communication from either bank regarding the status of the frozen account. 

We believe that it is incumbent upon JPM to provide the investigative update on the frozen account and the approximate date of return of these funds. 

JP Morgan Chase Case # JPMXXXX  Reference # XXXX  REF XXXX JP Morgan Chase fax number for the claim area : XXXX.
Product: Debt collection

Company is using a robot to make repeated calls though out the day, company calls from multiple numbers. they have been told to stop and claimed to not know it was illegal to use a robo call system for debt collection per the fdcp laws.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account has not been reported since I refinanced back in XXXX. Ive called XXXX XXXX multiple times about the issue with no response. I finally spoke with someone today XX/XX/XXXX and I was told the credit reporting will be turned on but its not guaranteed the account will report to the credit. I refused to pay my bill until the reporting started, I want credit for all of my payments that I am making. From the time I refinanced to now. I pay XXXX a month, my first call was back in XX/XX/XXXX. I contacted XXXX today and the represented also submitted a dispute to XXXX XXXX about the issue,
Product: Debt collection

XXXX continues to call my cell. I have told them they have the wrong person and they continue to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year, I have tried to get the credit bureaus to remove certain fraudulent information. They have refused. I have sent identity theft affidavits and police agency reports and requested a block of fraudulent information pursuant to section 605 ( b ) of the FCRA. All 3 bureaus have categorically ignored my claim and not placed the fraudulent information into dispute.

The following accounts are fraudulent and must be suppressed/blocked pursuant to 605 ( b ) of the FCRA or DELETED. 

XXXX  XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$5000.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$10000.00} XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX, {$4200.00} XXXX CARD XXXX DATE OPENED XX/XX/XXXX, {$6700.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$8000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$690.00} XXXX XXXX DATE OPENED XX/XX/XXXX, {$3500.00} In addition to these accounts being fraud they are ILLEGALLY being reported past the 7 year statutory reporting period.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$29000.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XX/XX/XXXXXXXX XXXX Owed : {$30000.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX & XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My info was bought and sold illegally, because i was a victim of the data breach for Equifax, I want these items deleted from my credit report effective immediately, I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and has done nothing. Please help me delete these illegal accounts from my credit reports, I am sending all the names of the accounts and the account numbers. I am also attaching proof.