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

Good afternoon I currently bank with JPMorgan Chase Bank and I would like to report them for illegitimate bank practices. 

I currently have a checking and savings account with this bank however XXXX of my account was overdrawn on the same day and on that same day they charged me an overdraft fee of XXXX XXXX times on XXXX separate occasions which put my account in the negative for over XXXX XXXX dollars. I called and they refuse to reverse the fees I filed a complaint with the bank and heard nothing back. According to the rep I was only allowed XXXX overdraft reversal per year which is unreasonable. I would like to file this complaint as this is bad business practices and have the overdraft fees that unauthorized and stole from my account reversed.
Product: Checking or savings account

I tried to transfer out {$5.00} from my Discover savings accounts to my checking account at a different bank. I received this message, " Your transfer must be greater than or equal to {$25.00} ''. I have not had this experience with other banks savings accounts where a minimum amount is required to set up a transfer without using a bank representative. Is this allowed under bank regulations to prevent access to funds if less than {$25.00} is available?
Product: Checking or savings account

Multiple unauthorized withdrawals from unknown companies. HELOC ridiculous increased rates out of nowhere. Made up fees
Product: Credit card or prepaid card

I was closing my account at a XXXX balance. They debited a purchase which was corrected as a mistake. They refuse to correct this as only one item was purchased in XXXX of XXXX
Product: Credit reporting or other personal consumer reports

To, whom ever this may concern Im reaching out on behalf of my XXXX credit report. I have XXXX unauthorized accounts reporting on my XXXX credit report. XXXX  is new city funding corporation and the other is XXXX  bank. Im a victim of identity theft, in wich I never opened these XXXX accounts. Ive sent discover bank as well as new city funding my police reports, my FTC reports also my CFPB report. Ive also sent these reports too XXXX as well. The companies keep saying that the accounts belong too me but the accounts do not and I never even heard of new city funding before in my life. Ive never done any sort of business with these companies, at this time I really would like too ask for the removal and deletion of these XXXX accounts from my XXXX credit report. I never did any business with these XXXX companies, I never received any goods from either company. I also never signed any contract for either company Ive made several complaints with the CFPB. Im really suffering from this fraudulent behavior from someone who gained access too my wallet when it was lost. I really want this escalated too the highest degree, i really need someone too take care of this today please XXXX 2024!!
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 # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am one of the depositors in Celsius that has most of my life-saving funds currently locked in the platform. I am still feeling confused, having mental trauma and the current Celsius situation has gotten myself into a financial constraint that somewhat changed and restricted my usual day to day life. With that, I am seeking help urgently from you, as I am feeling helpless at this very moment. 

Most of the depositors, including myself have been misled in some way and thinking if there are any legal recourses in returning back the deposits, for myself or others who are depending heavily on the deposits to get our family and life going in the coming months. 

In the CEOAs weekly - Ask Me Anything meeting, we had been consistently communicated and made to believe our assets deposited in Celsius are safe as we were told those deposited assets are loaned out to big institutional investors, that was backed with over-collateralized assets while we can also withdraw our funds in full anytime. By that understanding, therefore majority of the depositors, including myself had been signed up. In fact, I placed all the fiat-term deposits into Celsius especially when XXXX said XXXX numerous times in XXXX how Celsius is even safer than a bank. 

During the filing of chapter XXXX on XX/XX/2022, many depositors including myself were caught off guardand we felt tremendously misled, as we came to know behind the scenes, various highrisks activities were involved in deploying our assets. In the XXXX  XXXX filing document, Celsius declared the depositor assets had been XXXX for Market making, Swing Trading, Spot Trading and Cash & Curry activities involves trading and leveraging demand in future markets. All these activities were never clearly communicated and disclosed explicitly to us community or in the XXXX. Had we made known clearly, through an online hosted and transparent briefing of what those high-risks activities are, many of us, including myself would not have taken the risks in depositing our life-saving / retirement funds in it. 

Up to the days before the withdrawal pause on XX/XX/XXXX, XXXX was still lying around and telling everyone how safe the platform is, and that there was no problem at all if anyone wish for a full withdrawal. 

Due to this fraudulent behavior, I am now fully locked out of my XXXX ETH tokens and XXXX XXXX tokens -- worth about $ XXXX at the time of my investment ( now conveniently for Celsius only around {$10000.00} at the time bankruptcy was declared ), not to mention the amount of APY I was promised as a creditor to the tune of almost {$2000.00}.
Product: Student loan

I have been paying the required monthly payment plus some since my repayment terms started in 2008. My loan payments were supposed to end this year and then Navient changed that and now somehow my loans extend into next year and beyond. I was supposed to be done this year according to when I had my loan with XXXX XXXX and now I still have like {$5000.00} left somehow. I pay the required amount every single month I do n't understand how I still owe so much on my loan. It does n't seem right
Product: Debt collection

In 2010 I had a bank account that was closed out due to INSF funds, under the amount of {$500.00}. This account was charged off and sold to a collections company called XXXX XXXX XXXX. A woman by the name of XXXX XXXX using the phone number XXXX XXXX XXXX when she contact my workplace multiple times as well as a relative who she told several details of the account to. She told me that I have less than a week to come up with a balance higher than the money owed to the bank, or I would be served and prosecuted for felony bank fraud and have my workplace contacted and my wages garnished. She stated that she represented US Bank as the client who was suing me, but failed on multiple requests to provide me with proof of debt or her own identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times with all the credit reporting agencies and with this company to get my credit report 100 % accurate! This is extremely frustrating and not fair that neither of these companies are helping me in any way!!! This is the United States LAW to have my credit file XXXX XXXX accurate! You are also failing me by NOT HELPING ME get this XXXX XXXX  accurate! I have even sent you ALL THE LETTERS of me trying to communicate with this company and each of the credit reporting agencies. I will ask you XXXX last time to help me get my report XXXX XXXX accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to investigate certain accounts on my XXXX and Equifax reports. I submitted my first request on XX/XX/2021, I did not receive a response from either bureau and so I then sent a failure to respond letter on XX/XX/2021. I never received a response to that letter either. These issues are extremely frustrating as these errors are drastically affecting my lively hood and holding up my home buying process. 

I would like to file a complaint against both XXXX and Equifax for failure to respond to both of my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple written complaints about & to Experian regarding the fraudulent information being reported on my file. The last one being sent to Experian on XX/XX/2022 with complete attachments of my personal information including the Police Report. This Complaint was submitted through the CFPB to inform Experian that I am a victim of identity theft. And the accounts listed below to DO NOT belong to me. I had no idea how they were opened, I did not benefit from them being opened nor do I have any knowledge who opened, how they were opened or any additional knowledge about these accounts. I do believe it was a family member & I did report it to the authorities & am submitting a report from the local police depot where the theft took place. I need the following accounts removed/blocked from my file. I have contacted ALL data furnishers to inform them of the issue as well & they all agreed to block/remove them from my credit. I'm growing tired of Experian 's lack of FCRA laws. I feel they have violated 605 ( b ) not to mentioned 616 & 617 by willfully noncompliance. Please see they are held to the highest legal standard. Please removing the following accounts from my report. 
XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX ... 
XXXX XXXX XXXXXXXX Account number XXXX .... 
XXXX XXXX XXXXXXXX Account number XXXX .... 
DIVISION OF CHILD SUPPORTXXXX  Account XXXX XXXX .... 
XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 

I'm attaching all the necessary information pertaining to the theft/incident along with identity theft reports, my photo ID & address information.
Product: Mortgage

New American Funding is charging me late fees on my mortgage which are not due. I attempted to contact New American Funding in XX/XX/2023 via email to correct and resolve this issue but New American Funding was unresponsive. This is an unfair and deceptive business practice because it shows my mortgage account in arrears for late fees that are not due. It appears that the late fees are being factored into my mortgage payments because the fees are showing as due on mortgage statements at the beginning of the billing period, and are being included in my regular monthly mortgage payment. There is a 16 day grace period before late fees are supposed to be assessed, which is clearly stipulated on the mortgage statements provided by New American Funding.
Product: Debt collection

This debt they are attempting to collect after I have shown proof it was included in my Bankruptcy.. it showed up on my credit report after I paid the hospital bill through the portal. I never received any documentation in reference to this old bill only the new account from the hospital directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, 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 the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on the credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. The following accounts are not mine, I did not open any of them, and I am not a debtor : XXXX  XXXX ( account # XXXX ) and XXXX XXXX XXXX ( account # XXXX ).
Product: Credit reporting or other personal consumer reports

My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/year>. I recently retrieved a copy of my credit profile and noticed accounts and inquiries that I have no affiliation with or any knowledge. I've stressed to the CRA ( XXXX, XXXX, and Transunion ) how stressful this is and its impacting my ability to obtain credit. 
According to 15 USC 1681 I have the right to privacy and furnishing information to my account without my permission is in violation. Also furnishing accounts to profile in the result of identity theft, violates 15 USC 1681 C-2. The accounts that are listed on my credit profile are : XXXX XXXX XXXX  and XXXX XXXX XXXX, I have no knowledge of these creditors
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate information on my credit report, which is adversely affecting my creditworthiness. I have reviewed my credit report, and I have identified several errors that require your immediate attention. The inaccurate information pertains to late closed accounts and charge-off accounts, and I kindly request their removal and correction of late open account as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - please removed this late closed accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX - I dispute the accuracy of the late payment information reported on the accounts mentioned above. I have records and documentation to support that these late payments were not valid or were the result of extenuating circumstances. I kindly request that you investigate these discrepancies and update my credit report accordingly to reflect the accurate payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I dispute the validity of the charge-off accounts listed on my credit report. I believe that these accounts were reported in error or have been inaccurately marked as charged-off. I request that you conduct a thorough investigation into the status of these accounts and, if they were reported erroneously, remove the charge-off status from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate the above-mentioned discrepancies and provide a written response within 30 days. I have enclosed copies of the relevant documents and supporting evidence to assist you in your investigation. These documents you are enclosing, such as payment receipts, correspondence with creditors, etc. 

If it is determined that the information reported on my credit report is indeed inaccurate, I expect you to correct my credit report promptly and provide me with a revised copy free of charge. Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information, as required by law. Please assist me to correct or removed the following mentioned accounts above.
Product: Student loan

My student loan was sold, without my knowledge, to Nelnet from Great Lakes. I have called Nelnet on XX/XX/23 and XX/XX/23. Both calls, waiting over 2 hours for someone to answer the phone. No representative has answered or helped me. I would like to ask a representative questions regarding the status of my loan and discuss other repayment options but can not due to this lack of service and constant neglect. 
They took my monthly payment and applied interest - making my loan amount grow instead of decrease. I am a hard working mom, with full time daycare as my biggest expense. I am desperately looking for loan forgiveness, an available representative to call me, anything.
Product: Debt collection

On XXXX XXXX I have sent a debt validation letter to verify the debt that was attempted to be collected for XXXX. I was responding to a phone call of that I received on XX/XX/XXXX. I have not gotten a response to the debt validation letter since then.
Product: Money transfer, virtual currency, or money service

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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. I have discovered several fraudulent accounts and inquiries on my credit report that were opened without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$620.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$430.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$910.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX o Date of XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX REPORTING MY SECURED CREDIT CARD SINCE XX/XX/2021 AS OPEN WITH A XXXX BALANCE ... ..

THIS IS INCORRECT.. 

IT IS A CLOSED ACCOUNT WIITH A XXXX BALANCE I HAVE REQUESTED BOTH XXXX XXXX/XXXX XXXX & EQUIFAX TO CORRECT 4 DIFFERENT TIMES AS OF XX/XX/2021. IT HAS NOT BEEN FIXED
Product: Debt collection

CFPB XXXX XXXX : [ ] [ ] [,, ZIP ] [ ] [ ] [ ] Subject : Dispute of Medical Collection Account Violation of CFPB Regulations and Credit Bureau Policies To Whom It May Concern, I am formally disputing a medical collection account reported by XXXX on my credit file. The account details are as follows : Collection Agency : XXXX Amount : {$390.00} Date of Alleged Debt : XX/XX/XXXX According to the updated credit reporting policies of XXXX, XXXX, and TransUnion, medical debts that are less than 12 months old should not appear on consumer credit reports. This collection account was reported before the 12-month waiting period expired, making its presence on my report a direct violation of your stated policies. 

Furthermore, the CFPBs new rule, finalized on XX/XX/XXXX, explicitly prohibits the inclusion of medical debt in credit reports and bans the use of medical debt in credit decisions. This rule is set to take effect XX/XX/XXXX, and is outlined here : XXXX XXXX //www.consumerfinance.gov/about-us/newsroom/cfpb-finalizes-rule-to-remove-medical-bills-from-credit-reports/? XXXX  This means that the continued presence of this account on my credit report is unlawful under both your policies and federal regulations. 

Resolution Demanded : I demand the immediate and complete removal of this collection account from my credit file. 
Please provide written confirmation that the account has been permanently deleted. 
If this account is not removed within 30 days, I will escalate this matter by filing a formal complaint with CFPB for non-compliance with consumer protection regulations. 

I expect a prompt resolution of this issue. Failure to act in accordance with these rules will be seen as willful non-compliance, which may result in regulatory action against your agency. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Date of alert XX/XX/XXXX Alert type Potentially negative Creditor type XXXX  Payment status XXXX  Date of alert XX/XX/XXXX Last update date XX/XX/XXXX Date opened XX/XX/XXXX Alert type Potentially negative Account balance {$17000.00} Payment status XXXX XXXX XXXX ( Repossession ) Date of alert XX/XX/XXXX Last update date XX/XX/XXXX Date opened XX/XX/XXXX Alert type Potentially negative Account balance {$23000.00} Payment status XXXX XXXX XXXX ( Repossession ) Creditor type Last update date XX/XX/XXXX Date of XXXX XX/XX/XXXX Date opened XX/XX/XXXX Alert type Potentially negative Creditor type XXXX  Payment status XXXX XXXX XXXX ( XXXX XXXX XXXX ) Amount {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX The FCRA mandates that information on credit reports must not be misleading or create an inaccurate representation of the consumer 's credit history. Reporting multiple charge-offs for the same account could potentially be considered a violation of this rule if it makes the account appear worse than it is. If a creditor is reporting the same charge-off repeatedly, it may be considered inaccurate or misleading. In such a case, you can dispute this with the credit bureau ( s ) under your rights provided by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and several accounts were opened fraudulently under my name. My checking account was compromised and money was taken. Ive had to close and open new bank accounts. Ive requested that these accounts be removed from my credit report and I have been unable to have this request fulfilled. 

For example Barclays of Delaware is reporting a account that is not mine on all 3 of my credit reports. 

For example I have disputed this with the credit reporting agencies and they advise that the creditor states the information is verified but neither the credit reporting agency or the creditor will provide any information other than saying they have verified the account. 

I have disputed this several times with the credit reporting agencies and have received no actual data to verify this or other accounts that were opened without my knowledge. Every dispute is closed stating the creditor verified the information but I receive absolutely no documents to prove this is my account. I will be suing soon.