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

Once again it seems like these online banks are unregulated or at different standards. I had lost XXXX through XXXX XXXX it took me nine months to get my money back and because I made this complaint they paid me extra money. 
Now I have time I had approximately {$1000.00} in the account because I upgraded my phone it was very challenging to get back into the account. I did not have access for the last five or six weeks I did not need access to my money as I'm financially stable. Unfortunately not everyone in America is like this. I seen an alert yesterday XX/XX/XXXX for a {$10.00} transaction at a gas station. I did not think anything of it but it made me spend an hour and a half gaining access to my account as my email has never changed it was that difficult to gain access without a call center. When I left work today I logged into the account and recognized and realize that every dollar was missing from my account and a total of almost 15 transactions in a 24-hour period. I have never spent a dollar I have never used the debit card I have only transferred money to my XXXX XXXX XXXXXXXX checking account. So how is it that my card was used to make purchases all around the state of Michigan. There must be an internal breach employee theft of information or not enough oversight. As I called to dispute the transaction they had told me that the transactions were pending they were not able to do anything. What if I was poor what if my kids needed money to eat food. It was a lie as there were some transactions that were already confirmed that were done yesterday morning they were not willing to dispute a few transactions understanding there was 15 they let me go and said I needed to call back when all the transactions were completed. I asked the overshore call center for the employee ID number or the call center location because I'm truly concerned for other Americans and the possibility of a data breach. When I asked the second time for the employees ID or the location of the call center the employee went mute I had said ma'am I'm recording this conversation I am contacting the federal government to make a complaint after this I'm only asking to provide facts to the government and she hung up on me. How could you be so disrespected in the United States how could this happen again to the two largest online banking companies. So now I have access to my account I have no money and it's going to take days multiple phone calls to get access to this money it's not fair it's not right you guys need to look into this to find out if there was a larger scale data breach I have never used a chime card to purchase anything.
Product: Credit card or prepaid card

Still waiting to receive unemployment benefits when I choose to use the unemployment debit card the ReliaCard on the screen that pops up I had already been issued an unemployment card on a previous account and that's where my payments would be issued an. And also told me to call the number immediately and I did and the lady I spoke with said I didn't have a card issued to me ever so I need to either they figure out what the previous account was and closed it cuz I've never gotten unemployment benefits before this is my first time and reapply for a new one or something.
Product: Student loan

A debt collector Nelnet has been putting interest on this student loan that I had for more than 17 years. Ive been on disability for 16 years. I believed that the student loan was closed and this is the second debt collector that had this loan. I want this loan which is two loans to be removed from my credit report. Im XXXX  years old and just have enough monies to live day by day. Account number is XXXX. It do say its in good standard but they are charging interest. I need this off my report. I believe that student loan account is closed.
Product: Debt collection

See previous complaint submitted against PayPal. I have obtained more evidence from XXXX XXXX. A transaction of {$79.00} thru PayPal was disputed, requesting a {$53.00} credit. PayPal claims that I did not have a bank account associated with the account. So what? Their website allows ONE form of payment, which was XXXX XXXX. If that was a problem, maybe I should redesign their website. Anyways, the transaction was disputed with both PayPal and XXXX XXXX, which is perfectly legal. XXXX XXXX issued a credit of {$53.00}. However, PayPal closed the dispute and charged the amount to my PayPal account. See enclosed documentation from XXXX XXXX, which confirms a credit of {$53.00} was issued. The dispute was closed in my favor. However, XXXX XXXX ( who is afraid to provide contact info ) falsely claimed that XXXX XXXX sided with the merchant. Obviously, the documentation shows otherwise. We have two billion dollar companies - PayPal and XXXX XXXX - who mixed up the transfer of {$53.00}. Now, PayPal is trying to charge my account. I attempted to call PayPal from the number provided by XXXX XXXX from PayPal 's response to CFPB, but the representative informed me it was an attempt to collect a debt. Per XXXX XXXX 's response to CFPB, debt collections were to stop. Thank you XXXX for providing proof to a federal agency that PayPal is using tactics to violate the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I opened the account for new doors through medallion security doors who secured the loan for the doors. I began paying on the loan monthly and scheduled via automatic Payments from my XXXX XXXX XXXX Account and I never missed a payment. My experian credit report shows my XXXX XXXX Account is delinquent past XXXX days which is incorrect reporting on my credit report. I reached out to XXXX XXXX and they said my account was in Good Standing and no delinquent Payments were on my account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again., Please block or remove these items that are erroneously reported in my file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} US DEPT ED XXXX Balance : {$11000.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance  : {$10000.00} US DEPT ED XXXX Balance XXXX {$6400.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance : {$4700.00} US DEPT ED XXXX Balance : {$6300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$3600.00} US DEPT ED XXXX Balance : {$7300.00} US DEPT ED XXXX Balance : {$5400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$5600.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$11000.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance XXXX {$10000.00} US DEPT ED XXXX Balance : {$6400.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance : {$4700.00} US DEPT ED XXXX Balance : {$6300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$3600.00} US DEPT ED XXXX Balance : {$7300.00} US DEPT ED XXXX Balance : {$5400.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance XXXX {$4700.00} DP OF EDUC XXXX Balance : {$11000.00} DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$6400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$580.00} DP OF EDUC XXXX Balance : {$5400.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$4300.00} DP OF EDUC XXXX Balance : {$3600.00} DP OF EDUC XXXX Balance : {$7300.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX Balance : {$5600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is my follow-up attempt to ensure the removal of the listed items
Product: Credit reporting or other personal consumer reports

Another person was using my information for open credit card accounts and another account, please remove this from my credit report XXXX  XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXX XXXX - # Account # XXXX XXXX - Account # XXXX
Product: Debt collection

I have recently challenged all 3 credit reports to the burden of proof dhow burden of proof by mail. This collector has failed to reach me under proper fcra Guidelines under law of the fcra they failed to respond backwich means that can no longer report any account, HOWEVER THEY CHOOSE TO TRY TO LIE TO ME BY SIMPLY STATING AT THE END OF MY DISPUTE IT IS ACCURATE ... ..WELL I WANTED PHYSICAL PROOF XXXX  AS WELL I WANT MAX PENALTY FOR THIS ID NOT REMOVED IMMEDIATELY. Also each account on my report is only being verified because the reporting data from Transunion is fraudulent and off. They have dropped this only on 1 report correctly which was XXXX. Please explain to XXXX AND TRANSUNION THE SAME RESULTS. for misuse of my report i will be seeking the max possible in court. It is unlawful to report inaccurate data with my reports all 3 are inaccurate and im being abused of my fcra rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  or  2017 , I contested an item on my credit report that was reported as collection by  Collection Bureau of FWB.  It is a  XXXX  bill that I have no legal responsibility for and know nothing about. I did go there for   XXXX   XXXX   XXXX   for the brief period of time I lived there in a previous year. My bill was always paid in full by my insurance company. The reply that I got from  XXXX , was : '' This account is no longer being reported ''. This is not an acceptable response. I do not owe this amount nor do I have any legal responsibility to pay this bill. This account should not be on my credit report and should be removed or show me proof that it is in my name and that I signed anything for responsibility of another persons account. Just saying : " It 's yours '' tells me that someone did not do their job in investigating the validity of the debt. I am so tired of fighting at every turn, even debts that were discharged from bankruptcy being reported and updated as collections in the past.     This has been contested 3 times in the past year and the last time did not even get a response and the 30 days is up. I ca n't even log into   XXXX   online or by phone. They have told me my information, that I have been using for 40 years, is incorrect and access is not available to me. I tried to have  XXXX  removed, faxed the requested proof that I am not a  XXXX  and have never been a  XXXX  and they send me a letter telling me I need to submit the same documents that I had previously sent and faxed.     I am requesting that this collection be removed from my report. A reply of it is no longer being reported is not proof of debt liability, and my last request was not answered within the 30 days.     Thank you for your assistance with this matter.      XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 20 years. The following inquiries viewed by others on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized, and the result of identity theft : XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XX/XX/2022, State Employees XXXX XXXX Maryland XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX and State Employees XXXXXXXX XXXX  Maryland, XXXX XXXX XX/XX/2022 XXXX I have a current police report on file with Chex Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau last XX/XX/2022, and now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Bank of America auto loan which reported a 30 days late payment. Bank of America near sent a letter stating I was late or the account was possibly in default. Bank of America finally sent the letter 90 days later at which time I made sure the account was fully paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 ) I wrote to XXXX, TransUnion and XXXX  about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.
Product: Checking or savings account

On XX/XX/2022 my personal computer was hacked and they gained access to my Chase bank checking account # XXXX. They tried to charge via XXXX an amount to XXXX XXXX {$480.00}. 
Chase sent me a text asking me if I authorize this payment and I replied NO. Chase went ahead and sent the payment anyway. 
Now they will not honor or refund the amount to me until they try to get the money back from XXXX. i dont know how long that will take. I have been a Chase customer fo XXXX  years and they will not do anything more for me or return my money until after they file a claim. 
I think since it was Chases fault and I did not authorize this payment, they should refund my money now.
Product: Checking or savings account

On XX/XX/year> I walked into the branch to deposit a workers comp settlement check of the amount of {$21000.00}. The female teller told me that it was going to take XXXX business days for the full amount to be accessible. She game me a receipt that states that by XX/XX/year> the full amount was going to be accessible. I made some purchases online on XX/XX/year> and everything was going well. Then the next day XX/XX/year> I walked in the branch to withdraw {$9000.00} from my account and the teller told me to go have a seat that she needed to contact someone from corporate to get the approval. She came and told m e that I had nothing worry that I was going to be able to receive my transaction but after waiting for almost XXXX hour she then tells me that my account was going to be frozen due to the fact that they had to verify the check. So I told the teller that why are they doing that and she said that she had no information to provide to me. So I asked to speak to the manager and she said that neither a manager or supervisor were in. I lost a great deal on a vehicle to buy with that money and I lost it. Later that evening I had car problems on the freeway and needed money for a tow truck and I wasn't able to get one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
Accounts Reason This collection is not my account. 

XXXX XXXX XXXX  This collection is not my account. 

XXXX XXXXXXXX XXXX XXXXXXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX  I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Product: Debt collection

I received a VM from XXXX stating they were trying to get hold of me for a debt and will settle for 50 % off if I call right now to a different number XXXX. I did and a rude woman told me she was with XXXX XXXX and was calling on behalf of Juniper Bank for a debt. I once had a debt with this bank 12YEARS ago and the statute of limitations has surely expired by now. I tried to work with Juniper all those years ago and they would not, so I gave up. Now 12 years later I get constant phone calls from this XXXX never from the same blocked number. Always from a bogus number my phone does not recognize as blocked. I have told them to stop calling me on a statute of limitations expired debt, but they keep calling me. I have had to change my numbers numerous times now because they just continue to call. It is to the point of total harassment by them XXXX and Juniper Bank and it needs to STOP. I have contacted you before about this same company!!! Also I never confirmed who I was to this woman I called at the XXXX number, but she gave out information anyway not knowing I was whom they were even looking for. She only knew who I was by her caller ID showing my number they keep harassing me on.I heard I can start charging this company money and wish to do so If I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Checking or savings account

My savings account with Marcus by Goldman Sachs was initiated in XXXX as a rainy day funding source to be used when my busines checking account ran low. Over the years, transfering funds in and out of the Marcus Savings account was seamless until recently this XXXX. A request to transfer funds to the business checking was initiated and granted on XX/XX/XXXX. It was reversed XX/XX/XXXX without explanation and notification, causing an over draft of my checking account and fees charged for the reversal. A second request for a fund transfer to my business checking account XX/XX/XXXX was made and again, this was reversed XX/XX/XXXX without noticed and explanation. I was only notified about these reversals when my vendors and the business bank notified me that my account was overdrawn and checks that I had writen, along with my auto pay accounts have been nullified. I called Marcus on XX/XX/XXXX inquiring why the transfer requests were reversed. Marcus said there was some issues regarding the phone number on the account and I had to fill out an Affidavit of Identity that they will send to me. They said I should be receiving the form witXXXX XXXX XXXXusiness days. I called back XX/XX/XXXX when the forms never arrived. Marcus said it was too soon and I should wait the full 10 days. I called again XX/XX/XXXX and got the same response. And again XX/XX/XXXX and requested to have the form expedited to me which was to be sent out that day and to be received on the XXXX. XXXX said there was a mix up and they never sent the form.The affidavit of Identity arrive XX/XX/XXXX and I executed the form, had it notarized and returned it via XXXX for a next business day delivery. The return address and XXXX sticker was provided by Marcus. I called Marcus XX/XX/XXXX to confirm the package was receive and whether the affidavit was approved. Marcus had confirmed the package was received and the for was under review and they should be responding within the next 5-10 business days. I had asked if they can respond sooner, but the ples fell on deaf ears. I called back on XX/XX/XXXX, again with the same response, saying the affidait was still being reviewed and should expect a response within 7-10 business days. I called again today, XX/XX/XXXX and got the same response. Just to note, each one of my call, I was put on hold several times and none at Marcus could give me an answer on why it has taken so long. In the mean time, I have no way to access my funds in the Marcus savings account. I still do not know why the funds are frozen although my latest statement says the funds are still there and getting interest. To this date, the issue has not been resolved. I am very frustrated with this process and non-transparency on Marcus part. I am not allowed to have any discussions with the people reviewing the form and thier superiors. The persons answering the phones have no authorization to provide answers. I
Product: Checking or savings account

I participated in the following Marcus Savings {$100.00} Bonus Offer : Marcus is offering {$100.00} when you deposit {$10000.00} or more in new funds into a new or existing Online Savings Account within 10 days of enrollment. You must maintain those funds plus your current balance for at least 90 days. 

And I satisfied the requirement by depositing $ XXXX into my account by XX/XX/2021. I was able to see the bonus tracker after the deposit, which means I was eligible for that bonus. At that time there is total ~ $ XXXX in my account ( XXXX old XXXX new ) and I kept existing money along with the new money in my account as required. Later on XX/XX/2021, when I transferred my old $ XXXX out of my account, someone from Marcus called me to confirm the account details, but he did not mention or warn me that doing the transfer would cause me losing the eligibility to receive the bonus. 

And after I did the transfer, I found out that I don't have that bonus tracker anymore, therefore I called Marcus and they said my eligibility is revoked. As a customer who was attracted to deposit new money into Marcus saving account because of the bonus program, Marcus should have the obligation to notify/warn me if any transaction would cause me losing my eligibility to receive the bonus, I should have the right to be clearly informed with the consequences.
Product: Credit reporting or other personal consumer reports

Transition violated my rights leaving my data opened for hackers and false information concerning background. Thus causing me loss. Transunion do better