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

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXXS XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ;
Product: Checking or savings account

On XX/XX/XXXX I attempted to withdraw {$520.00}. Chase ATM informed me that exceeded my withdraw limit. I withdrew {$300.00} instead. I only received {$300.00} from the ATM. 

ON XX/XX/XXXX I noticed chase had debited my account for {$300.00} and {$520.00}. I called chase and they apologized and credited my account the {$520.00} I never received. 

Then on XX/XX/XXXX they debuted my account {$520.00} and labeled it as a claims reversal. 

On XX/XX/XXXX I called chase 3 times - each call lasted more than XXXX. They disconnected the first time. The second time I spoke to someone and they transferred me to another department that disconnected the call. The third time they transferred me to another department who couldnt give me my funds but opened a claim. 

On XX/XX/XXXX I visited the chase branch. They said they do not hold record of atm transactions or video footage but called chase for me. They stated they need to count the atm and if there is a {$520.00} variance they will credit my account and I need to wait a week. 

Chase will not realease any information to me on why they are rejecting the claim. I currently have - {$270.00} in my account and I need this {$520.00} back. I shouldnt have to spend this much time on the phone and wait this long for a resolution. Chase should not have the ability to take {$520.00} out of my account and leave me with a negative balance without communicating to me.
Product: Checking or savings account

I had a account with navy federal for years, paid my fees which total was {$700.00} something & I was told I would be able to open my account back up after paying those fees but still saying I owe that amount as if they dont see where its been paid
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Paypal emailed me advising that I can no longer make any transactions and that my account has been banned permanently without further explanation about the grounds for banning my account permanently. 

I have no disputes or any violation that I know about as they did not send any notice of such.
Product: Debt collection

On Monday XX/XX/2020 I was contacted by XXXX XXXX XXXX XXXX. about a debt collection for private student loans from HESAA, after receiving a letter from his law firm on XX/XX/2020. He gave me a payment number that I would be unable to afford. I asked for a lower payment and his response was that wouldn't even cover my interest but if he were me he would send anything he could to them. He also stated this would continue to hurt my credit, before saying what I was offering was like " going into a car dealership and offering {$5.00} for a {$1000.00} car ''. Not only was the comment not appropriate for someone trying to work out a payment plan it was condescending and insulting. I had previously entered bankruptcy for this loan due to the fact that I could not afford the minimum payment and XXXX XXXX XXXX refused to work out a reasonable payment plan. Also on the HESAA website it states " During the pandemic emergency, HESAA instructed its private collection attorneys to suspend involuntary collection activities related to defaulted NJCLASS loans, such as filing court judgments and wage garnishments. In addition, during the state of emergency, your defaulted NJCLASS account will be reported to credit bureaus under the approved disaster code, which should not negatively impact your credit score. Please contact the private collection attorney assigned to your defaulted loan. You may continue to make voluntary payments on your defaulted NJCLASS loan, or you may request a modification to the payment amounts due to unemployment or financial hardship due to the COVID-19 pandemic. If you need help getting connected to the private collection attorney, please let us know by sending an email to XXXX. '' and it sounds like they are still tacking interest on and also they are conducting involuntary collection activities.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company, National Enterprise Systems Inc. is attempting to collect an alleged debt from an account that does not belong to me. I have filed complaints about this account with many agencies and I am so frustrated at this point! This is stressing me out so bad! I am a XXXX XXXX  and this is too much to deal with right now. They must be stopped. Not to mention the alleged original creditor has an arbitration clause that has clearly been bypassed.
Product: Debt collection

XX/XX/XXXX XXXX  XXXX XXXX contacted by " RUI credit services '' stating I owed {$440.00} from XXXX XXXX XXXX XXXX ) for an apartment my former company, XXXX XXXX XXXX XXXX, owned but sold in XXXX ( address XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). They said the debt was from XX/XX/XXXX. I informed them that this was impossible as all of my apartment units were all rented prior to the time I sold the property and tenants were responsible for all of their utilities. He was rude, robotic and repetitive. 

I immediately then called XXXX for further inquiry. They informed me that my account was paid in full and I only have one active account under my name for my personal residence, also with a XXXX balance. I then called RUI and spoke to XXXX, to inform them of these findings as well as stating they are part of a scam company. Also, XXXX stated they do not even handle collections in this manner ( XXXX XXXX XXXX ). The RUI representative said they would send it to another collection agency. XXXX was unwilling to give me their corporate, physical address, but only a po box address where I could " send the check. ''
Product: Credit reporting

I received the copy of credit report which has a lot of mistakes on it and some of the things you allow me to click on and dispute but then when you go to finalize the dispute it tells me you ca n't process it I do n't know what the point of even offering it if you ca n't process those particular things online so that 's why I 'm contacting you on here. 

I have never been known by XXXX XXXX XXXX trying to dispute it but it will not let me. 

I have never lived at XXXX XXXX XXXX XXXX Michigan I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas There are multiple accounts that are showing up on my credit report you are the only one still reporting these I do n't understand XXXX and XXXX have all removed the fraudulent accounts what information is it tthat you need to get these accounts remove? 

XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On Tuesday, XX/XX/19, we went to the US bank branch in XXXX, OR to open a new bank account and add 3 employees to a central credit card account. On XX/XX/19, we discovered that these accounts were opened as separate credit cards as opposed to sub cards of the central account. I immediately called US Bank to find out why this happened and to fix the problem. They told me that they could combine the cards back, but not until XXXX. They were not able to explain to me why this happened in the first place. The branch manager ( in XXXX ) was not able to find out why either. Today, XX/XX/19, the 3 employee cards would not work. When I called in to find out why, we were told that minimum payments needed to be made on the three cards and that it would take a day for those payments to post. This all stems from the main complaint that US Bank fraudulently opened these three cards as separate accounts instead of placing them in the central billing.
Product: Credit reporting or other personal consumer reports

company reporting inaccurate and incomplete information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts and addresses listed on my credit reports that do not belong to me.
Product: Debt collection

My name is XXXX XXXX XXXX. I would like to submit a complaint about a lawsuit against me from Discover credit card company regarding a fraudulent amount of {$2500.00} dollars. The actual amount that I owed is {$1000.00} dollars, not {$2500.00}. I called Discover credit card company to make payment arrangements for the original actual amount of {$1000.00}, but they made some excuse for not to lower the amount. If they allowed me to explain further I wouldve explained to them is the reason I stopped paying was due to the fact that I had to quit my job to take care of my grandma. Initially my mother was taking care of my grandma until my mom got XXXX. After her XXXX my mother was no longer able to take care of my grandma, so I had to step up and help out.
Product: Credit card

LENDMARK XXXXINANCIAL I have called them spoken to them even tried to settle up to see what I could do to clear up this matter. Its on my credit report. I have filed several disputes and nothing has happened. I need this removed from my credit report
Product: Debt collection

I have sent Portfolio letters regarding this matter, I have ask them to send me a contract with them, that has my signature. They have failed to do so. They claim I owe them {$1100.00} from XXXX  XXXX. I don't believe I owe Portfolio money, They have put this as a collection on my 3 credit reports, With out a contractual agreement between me and Portfolio that would be Illegal to do so.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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 a personal XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 XXXX 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 card or prepaid card

I AM SO FURIOUS WITH DISCOVER AND XXXX CREDIT CARD. DISCOVER CARD CLOSED MY ACCOUNT WITHOUT EVEN ME BEING ABLE TO USE THE CREDIT CARD, DUE TO A " BUSINESS DECISION '' THAT WAS MADE BECAUSE THEY WERE NOT ABLE TO VERIFY MY IDENTITY. I GAVE THEM ALL NECESSARY DOCUMENTS INCLUDING MY TAXES, DRIVER LICENSE, AND SOCIAL SECURITY CARD. NOT ONLY DID THE CLOSURE OF THE ACCOUNT HURT MY CREDIT, IT PUT MY OTHER CREDIT CARDS IN DANGER AND XXXX ALSO CLOSED MY CREDIT CARD. MY XXXX CREDIT CARD LIMIT WAS XXXX AND DURING THE PAST 6 MONTHS OF USING MY CREDIT CARD RESPONSIBLY AND PAYING MORE THEN MINIMUM PAYMENT REQUIREMENTS, BEING SUCH A GOOD CUSTOMER CLOSED MY ACCOUNT FOR NO REASON, AND ALSO HURT MY CREDIT SCORE FOR THE CLOSURE OF THE ACCOUNT. i HAVE PAID OVER XXXX $ IN CREDIT CARD PAYMENTS THROUGHOUT THE 6 MONTHS IN WHICH MY ACCOUNT WAS OPENED, MULTIPLE PAYMENTS IN A MONTH, USING AND PAYING RESPONSIBILY. SO UNFAIR THAT THEY CLOSED MY CREDIT CARD BEING A GOOD CUSTOMER, PEOPLE STOP PAYING THEIR CREDIT CARDS FOR 4 5 MONTHS AND THEY DONT CLOSE THEIR ACCOUNT, YET I HAVE BEEN A GOOD CUSTOMER PAYING MULTIPLE PAYMENTS IN A MONTH AND USING RESPONSIBILY THEY CLOSED MY ACCOUNT AFTER HAVING A GOOD HISTORY WITH THEM. AND THEY DONT GIVE A LEGITIMATE REASON AS TO WHY I DESERVE TO HAVE THE ACCOUNT CLOSED, WHEN I HAVE BEEN SUCH A GOOD CUSTOMER. I AM DISAPPOINTED IN BOTH CREDIT CARD ACCOUNTS. DISCOVER DIDNT EVEN GIVE ME A CHANCE TO USE MY CARD CLOSED IT DUE TO VERIFICATION, WHEN THEY HAD ALL NECESSARY INFORMATION TO PROVE THAT I AM THE PERSON APPLYING FOR THE CREDIT CARD WITH A VALID DRIVER LICENSE, SOCIAL SECURITY CARD AND THE IRS VERIFICATION 4506 FORM.
Product: Money transfer, virtual currency, or money service

I am writing this complaint to express my concerns with Zelle giving me issues with transactions, that were unauthorized. When requested money back, I was unable to receive it back. Zelle did not look further or investigate the situation at any cost. Would like CFPD to publish this description to show the lack of support,
Product: Debt collection

I have notified collection agency that debt is not valid, as they are collecting for XXXX XXXX XXXX, never did I sign up for XXXX XXXX as I have had XXXX XXXX XXXX XXXX, I simply requested a quote. I advised collection agency numerous times, through phone, email and messages this is not a valid debt, nor do I owe them for this debt, they responded by validating the debt on my credit bureau and adding it a second time, so now the debt shows up 2 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with Navient is in consideration of the following : -Navient won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -Navient allows borrowers to direct overpayments, meaning any additional payment made over the  combined minimum for all loans is able to be designated to pay down certain particular loans, but Navient does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -Navient should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -Navient should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ), the negative financial impact it has had on the student loan borrowers, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

in Accordance with the Fair Credit Reporting act XXXX Bank Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just do everything on my credit report big except it was my student loans my student loans no no erase every last one of my student loans due to my XXXX and XXXX  Trans Union and XXXX us laugh did not report my right score all my credit report after youre still loans was erase
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. was reckless in their handling of my sensitive personal information. Improper security controls have allowed nefarious agents to obtain information that is so private, it is used as security verification of my identity in my relationships with other companies. Upon using the website provided by Equifax ( equifaxsecurity2017.com ) to check whether I was personally affected by the recent data breach, I received the message " we believe your personal information may have been affected by this incident. '' No other assurances for identity protection were provided. 

From this day forward I must now assume that my social security number, driver 's license number, previous addresses, and credit card numbers are linked to my name and are PUBLIC INFORMATION -- as well as possibly more detailed information about my financial history. To personally protect myself I will have to ( 1 ) purchase an advanced identity protection service, ( 2 ) maintain increased vigilance across all my business and government relationships indefinitely, and ( 3 ) insist on above-standard identity verification in new business and government relationships. As I am young, I estimate this burden will cost me no less than {$100000.00} over the next several decades.
Product: Money transfer, virtual currency, or money service

account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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. 

XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXXXXXX XXXX  : # XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have 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 : Also states a consumer reporting agency can not furnish an 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: Money transfer, virtual currency, or money service

I send a deposit for a rental property throw my Chase bank account XXXX XXXX. Chase process this through XXXX. I turns out that the is was a scam. I contacted XXXX they said I had to contact by bank. Chase open a claim and told me that they would contact XXXX to get the money back from were the money was transferred to and that this would take 3-5 bus. days to attempt to resolve. no less that 24 hours later I got a letter stating they could not help me. because this was a XXXX issue. 
I told they that this was a service and or merchandise that was not render or I did not receive merchandise for what I paid. And I feel that they should be protection from the Chase stand point because this was done through my Chase account. 
I did not choose to go through XXXX that I what Chase gave me as an option. I feel as if if I had written a Check and put a stop on payment of place it on my Debit card I would be able to get the money back because it went through my account. Why not for XXXX? 
The total amount I should receive back is {$1200.00} I have reached out to the person that received the transaction they said they would return the money but have not done so. Their email for XXXX transactions is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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