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

I opened a personal checking account with Axos bank at the same time that I registered a sole proprietorship and wanted to use this account to receive payments. The Axos website says that while they recommend it, there is no legal requirement to create a separate business checking account as a sole proprietorship is legally just an individual under a business name. This is also what my accountant told me and I don't want an unnecessary business account. 

On XX/XX/XXXX when my first payments arrived for my new business I got an email from Axos Bank stating that they can not accept payments made to me under my business name. 

I attempted to explain the issue by emailing them, calling them, and sending them messages through their online portal. I asked if I could add my business name and offered to provide them with my EIN. 

Despite that, they have returned my most recent payments to the sender. I tried every reasonable option to remedy the situation with them but their representatives would not allow me to add my business name, or have a supervisor return my call, or even return my email. 

In a moment of weakness, I even agreed to accept one of their foisted business accounts via their online message portal but they still wouldn't call me back or help me in any way. not even on XXXX. 

Axos emailed me again on XX/XX/XXXX after the payments I told them were coming had arrived to tell me that they were going to close my account due to 3rd party transactions. I had spent the intervening week trying to resolve the issue but it is not possible. 

When I called no rep is able to help me and they can only refer me to a supervisor but the supervisor doesn't call me back. They have completely closed off any reasonable avenue of resolving this issue or getting my funds.
Product: Credit card or prepaid card

On XXXX XXXX my Chase Amazon credit card was charged {$490.00}. for gift cards from 4 different places. XXXX, XXXX, XXXX XXXX, and a place called the XXXX XXXX XXXX. Amazon sent me an email about a possible fraud alert for this transaction. I called and all the transactions were cancelled. I have emails confirming this. I called Chase and cancelled my Amazon credit card as it had been compromised. They issued me a new card to replace the one compromised. The first statement for the new card there appears the {$200.00}. charge for the XXXX XXXX XXXX that was canceled from the previous card. I immediately called Chase Bank and explained that we did not make this transaction. I then called the XXXX XXXX XXXX  and informed them that this is a duplicate of the previous transaction I disputed a month ago. They checked into it and sent me a email stating that the charge was refunded and I should see a refund on my next statement. I have been disputing this monthly with, and even sent them copies of, my cancellation emails from the company, and to date the refuse to issue me the credit for {$200.00} I do not know what else I can do I have all the proof that that the company sent me but Chase Bank still refuses to show the credit on my statement. Can you help me get this resolved once and for all?
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX 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 Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX
Product: Debt collection

Date Reported : XX/XX/2023 Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Original Amount Owed {$75.00} Amount {$75.00} Contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX MA XXXX XXXX I never signed a contract with neither of these companies. I never gave consent for these companies to use my private information. I never received a notice or method to opt-out or prevent the disclosure of my private information to third parties pursuant 15 U.S. Code 6803 Company refuses to obey consumer protection laws, which is negatively harming my nonpublic personal information.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged identity theft however I still have ITEMS left that needed to be removed. Upon reviewing my updated personal credit report again, it has come to my attention that several unauthorized credit inquiries persist on my record despite previous request for their removal. Despite my efforts to rectify this matter directly with the respective companies, none of the inquiries I identified for removal have been deleted. I XXXX  request that you undertake a thorough investigation and expedite the removal of the following unauthorized inquiries from my credit report. This investigation is necessary to ascertain the individuals responsible for authorizing these inquiries and to ensure the accuracy of my credit report. I am confident in the validity of my claim and trust that you will take the appropriate steps to address this matter promptly. Therefore, I kindly request the removal of the following unauthorized inquiries and the provision of an updated copy of my credit report reflecting their removal : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Should you determine any of the referenced inquiries to be valid, I request a detailed description of the investigative procedures employed within XXXX XXXX XXXX following the completion of your investigation. However, I maintain that none of the inquiries listed herein are valid and thus urge their immediate removal, in accordance with FCRA XXXX XXXXB ( a ), which mandates the expeditious removal of items identified by the consumer as stemming from alleged identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX aka 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

My account with XXXX XXXX. XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX. XXXX XXXX XXXX and 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 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 reported in months that are reported late to be removed. 

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. 


XXXX XXXX. XXXX XXXX XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There was inquires from TD Auto Finance on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Product: Student loan

Dear Staff, I contacted Navient Student Loan Servicer on XX/XX/XXXX, XX/XX/XXXX, to discuss the continuing my loan payments under the 6-Month Rate Reduction Program or re-enrolling in the Term and Rate Reduction program but was told the only program I qualified for was the 6-Month Rate Reduction Program where I had to agree to a brand new 30-year payment program every six months. I was told the reason for not qualifying for the Term and Rate Reduction program was because I called at the wrong time. Each time I called and under duress reluctantly agreed to the terms my rate increased. 

Today, XX/XX/XXXX, I called to discuss the continuing my loan payments under the 6-Month Rate Reduction Program or re-enrolling in the Term and Rate Reduction Program but was told the only program I qualified for was the 6-Month Rate Reduction Program where I had to agree to a brand new 30-year payment program every six months. 
This time I asked why am I not eligible this time for the Term and Rate Reduction Program and was told Navient is not offering the Term and Rate Reduction program because " We just aren't offering to you, and I don't see where you were ever offered that program. '' I explained to the gentleman that I am retired and can not afford my rate to increase and he shared that he was very sorry but there isn't anything else that Navient can do. I asked about refinancing through their sister company NaviFi or Settling the debt and locking into an affordable payment plan since the interest accrued is double the original loan amount and with an interest rate of over 14.0 % : Loan XXXX  : Original Principal {$4700.00} Current Balance {$12000.00} Interest Rate14.625 % Interest Type : Variable Loan XXXX Original Principal {$7400.00} Current Balance {$18000.00} Interest Rate14.625 % Interest Type : Variable Loan XXXX Original Principal {$3400.00} Current Balance {$7800.00} Interest Rate 14.625 % Interest Type : Variable I am retired and I am recovering from Bankruptcy and I just need a payment that isn't going to cause me to lose my housing. I have been looking for refinancing and consolidation but I am not having any luck, yet. My only recourse is to agree to another 6 months, another 30 years, and return to Bankruptcy Court to declare undue hardship. I am only asking for Navient 's assistance to continue paying ; if I had understood that private loans were this much trouble, I would have never signed up. Please help me. 

Sincerely, XXXX
Product: Checking or savings account

In this checking account, I disputed a charge with a merchant, specifically - I was double charged for a XXXX XXXX XXXX their website was glitching. I filed the dispute originally in XXXX. I found out that the wrong charge was disputed, and was told the correct charge was. I was then told my dispute was denied because the merchant refunded me for something completely separate than the original charge that was disputed, and so they continuously have had to refile this dispute and its not XXXX. 

I have filed a complaint against XXXX ( the merchant ), and the bank through another system, and will be filing a complaint with the XXXX  against both parties. I just want my money back.
Product: Debt collection

It is hard for me to have dates, as I tend to delete messages and voicemails that arent pertinent. 

It started around XX/XX/year> with a text saying that XXXX had requested for information/help with Freedom Debt Relief. My name is not XXXX and I did not initially contact XXXX. 

They have since continued to call me multiple times a day. There were a couple calls on the XXXX and XXXX that I deleted. Most calls include a voicemail, and every call comes from a different number so I cant block future calls. 

See the attached image of my recent missed calls. There are XXXX calls in 4 days and probably more calls in from the prior week that I deleted. 

Each voicemail seems like its a robocall. They sometimes introduce themselves as a business, so not say their name, and do not say who they are trying to reach.
Product: Debt collection

I contacted IQ Data international today about a collection on my credit report in the amount of XXXX for The XXXX at XXXX. I first spoke with XXXX to request a copy of the charges and she absolutely refused to send them to me. She would not let me speak and was very rude. She only wanted to speak to me if I was going to pay, but why would I pay for something if I don't know what it's for. I called back again and got someone named XXXX or reconnected me to XXXX, again I got no where. I called back a third time and spoke to XXXX, he also refused to send me the summary of charges. He then proceeded to tell me that the charges he received were actually only a screenshot and that they were cut off. He told me to go to the complex. I did go to the complex and was told that they had no record of my charges their from 2018. They gave me the phone number and email address for tenant relations for the management company XXXX based out of California, I live in Virginia. I called them 4 times today and left XXXX messages. I also sent XXXX emails and received no response back. I am just trying to get to the bbottom of this and get this incorrect debt off of my credit report. I believe that IQ Data also retaliated today as a result of my calling them to request correct information my dinging my XXXX report right after I talked to them and dropped me XXXX more points. I was told bybthe XXXX court of XXXX, va that I do not have any evictions or judgements against me.
Product: Credit reporting or other personal consumer reports

I have a plethora of inquiries that I did not initiate or authorize. 
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Debt collection

My name is XXXX XXXX. My credit report states I have a charge of {$420.00} from Commonwealth Financial system. ( CFSI Acct # : XXXX ). On XXXX/XXXX/2015 I contacted them. I called XXXX XXXX XXXX ext XXXX. They could n't figure out where this charge came from. They said to contact XXXX XXXX XXXX at XXXX. They could n't figure out where the charge came either. They even searched my social security. They asked me to try Integrity at XXXX to see if they can help. 
Nobody can find it. Can you help me figure out how to get this removed from my credit report. Thank you for taking the time to help me figure this out.
Product: Bank account or service

My Paypal account was shut down and I am still waiting for my funds to be refunded to me.
Product: Credit reporting or other personal consumer reports

promptly from my credit report. I have provided supporting documents for your review. 

I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.
Product: Debt collection

to whom make concern ERC collection company claim that i owe them XXXX for an utility bill XXXX i have disputed the account which they fail to reported to the credit bureaus my initial letter i send to them was in XX/XX/2017 and the other one on XX/XX/2017 by not reply in a timely manner to my initial letter you signed for on XX/XX/2017 you have not only violated federal laws, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately
Product: Debt collection

The actions I had no choice than to take was back in XXXX because this loan was from back about XXXX maybe XXXX I dont exactly remember how far back I ended up having to file bankruptcy because it had done on my credit report and damaged my credit report I had tried to work things out but they werent really working with me I made phone calls the last phone call I had made to them before I had filed bankruptcy they told me they wanted the full amount in the full amount of the student loan was {$35000.00} roughly so I had no other choice than to file bankruptcy It was paid out through them bankruptcy so it is paid for but that was the only way I can get it taken care of because its ruined my credit and everything
Product: Checking or savings account

Extended overdraft fees. Bank of America has been sued before for doing such things but still charge these fees to customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2023 This inquiry is unauthorized and should be removed from my credit report
Product: Bank account or service

Hi my bank account was basically stolen and is being withdrawed of a lot of money
Product: Checking or savings account

Hi there, On XX/XX/2020, I opened a personal checking and savings account with Chase Bank. The account opening process was successful until after two weeks when I received a mail from Chase Bank that they have taken a unilateral decision to close my account. This took me aback since there was no prior communication from the Bank to discuss any such issues with me. 
I reached out to the Bank and they confirmed their decision but can not provide any further information as to why that decision was taken. 
I went to the branch where i opened the account to ascertain the veracity of the issue and to speak to representative who helped open the account for me. The rep could not fathom why the account was closed. She then reached out to the fraud department and they confirmed the action by the bank and that they would not give me reason for their action and the action is irreversible. 
I am an XXXX XXXX  and an XXXX in the XXXX XXXX and I think this is very discriminatory to say the least because I have pulled my credit report from the three major credit bureaus and there was no derogatory or adverse findings on my report. 
I would therefore be grateful if Chase Bank can provide reasons why they closed my account without telling me the rationale behind their actions. 
I request more explanations for their actions so that if I were a victim of identity theft I can take necessary steps to secure myself and I also would appreciate it if they can restore my accounts. 
Thank you so much and I look forward to hearing from you soon. 
Please do not hesitate to reach out to me if you need further information or clarification. 
Sincerely, XXXX
Product: Student loan

In light of the recent announcements about loan forgiveness up to {$10000.00}, I called EdFinancial to reinstate my loans that I paid off in XXXX of 2022. I asked for a refund of {$10000.00}, and I was told that they could not provide confirmation that this request was submitted and that the request would take over XXXX days.
Product: Debt collection

I received a letter from a debt collector claiming I owe {$970.00} to XXXX XXXX. I have emailed XXXX and the debt collector and stated I do not owe the debt they are attempting to collect, and requested a response as well as some sort of documentation showing why they and/or XXXX believes I owe them what the collection agency is attempting to get me to pay. I have not received a response from either. The debt collector 's letter included an attempt to pressure me to pay half the debt claimed by XXXX/XXXX/2016 or their " offer '' would be withdrawn, yet no documentation supporting the existence of the debt being claimed has been received by me.
Product: Credit card or prepaid card

I have PayPal account made a purchase on XXXX  website paid the money month later received the items opened the package four of the items were missing immediately called them when home looked at items they said 2x but they were medium to small they had me takes pics which l have, PayPal says work with the seller which l did, but when PayPal does their Dispute lnvestgation that's when everything went wrong the seller agreed to refund my money l have all the emails stating that along with the tracking number for the returned items PayPal refused to return my money that l paid up front and denied my case l given them emails of all the communication between the seller stating that they were going refund my money., that they called the postoffice to confirm the tracking number and whe. It was delivered.
Product: Checking or savings account

I am writing to file a dispute regarding an unauthorized charge on my account with First Tech Credit Union. On [ date ], I received notification of this charge, which I believe to be erroneous and unauthorized. Despite my repeated attempts to resolve this issue with First Tech Credit Union, they have denied my request to remove the charge and have failed to provide any evidence or explanation supporting their decision.

I have taken all necessary steps to resolve this matter directly with First Tech Credit Union, requesting documentation or evidence supporting the legitimacy of this charge. However, they have not provided me with any such evidence or explanation, leaving me in the dark regarding the basis of their decision. 

I would like to request your assistance in investigating this issue and facilitating a resolution. I firmly believe that this charge is unauthorized, and I have the right to be provided with evidence or an explanation from First Tech Credit Union to justify their decision to deny my request for removal. 

Enclosed, please find copies of any relevant documentation or correspondence related to this matter for your reference. if, no documentation is provided I ask that this charge be return and all charges I kindly ask for your prompt attention to this dispute and your assistance in ensuring that First Tech Credit Union provides the necessary evidence or explanation to support their decision. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX