23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX XXXXXXXX XXXX XXXX, texas XXXX To Whom it may Concern Regaurding a car loan ( acct # XXXX ) in the several year I have had this loan due to economy and work I contacted Santander serveral times and get this loan refinaniced or to low the payments. When this avenue was not going to avail anything On XXXX XXXX, 2015, I called Santander for a volintary reposession. 
At that phone call I was informed that call could be recorded which I had no problem with, and was told that to complete the volintary reposession they would HAVE TO MAKE A RECORDING, I informed them that I too would be recording the rest of phone call, I was promply hung up on. I also sent a written message to the ONLY ADDRESS I had which the bill paying address. 
When no atempt was made to pick up car I called Santander in the beginning of XXXX SEVERAL TIMES, and because of their failure to accept voluntary reposession and that extra fees would be applied. I told operators at Santanders that I would be recording calls to prove my request. Each time I was told I could not and hung up on, I even tried several times to speack with someone about the policy that they record calls and that their policy to even get a voluntary reposession IT WAS REQUIRED THAT A RECORDING of myself but that I could not record their calls. I was refused an explaination and was denied to speack with any supervisor. 
After several attempts to clearify this matter I report this UNFAIR policy, and pracitice I tryed to report unfair business practices to " Texas XXXX of XXXX XXXX XXXX ''. I was informed that Santander accknowledged that I did try to ask for voluntary reposession and that the policy of recording was not done so that they refused to accept request, and that Santander also recived the written notice to reposess car, but that it was sent to their contracted assosicates! These accknowledgements prove that they are violating law and that they consider their policies surpercede law. These accknowledgements also prove that they feel consumers have no rights and that fair policies for them supercede FAIR BUSINESS PRACTICES. The OCCC of Texas stated that they do not have jurisduction of unfair busieness practices and that I should report claim to federal trade commission and that OCCC can not deal with Santander 's company policy. 
They have harassed me everyday and several times a day concerning making a payment and added illegal fees since XXXX XXXX, 2015. Each time they call I inform them that AS THEY DO I am going to record the call and each time they refuse to continue and they terminate the call. Since they have violated Fair practice and have refused to accept reposession after they accknowledge notice, I want this harassment to end and for punitive damages that my account be cleared and they stop reporting any issues to my credit report.
Product: Checking or savings account

When I use my Chase debit card, of which I am the only person listed on the account, Chase sends an email to an address that I have never authorized. There is nothing in my online profile that shows this email, only my email account is listed, yet every time I use a point of sale terminal, it sends an email to some other address.

I have been working with Chase for 4 weeks to no avail about the security of my personal financial information to no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian, XXXX XXXX XXXX on many occasions in regards to my XXXX XXXX XXXXXXXX account. All of them are showing a different story. Experian is showing that I have not paid in over a year. I have been making payments of XXXX dollars since I was forced to. XXXX dollar charge does not Belong to myself. FoXXXX XXXX  I have been file complaints with Experian and the other two credit bureaus on many occasions. Experian is not following through and investing at all. They come back and say the bank agrees that I never paid. I file a report stating there was a charge with XXXX XXXX XXXX for XXXX nothing was done and also my payment history is not correct. I also made a phone call three weeks ago as well. This is putting a lot on me I have been fighting this for about 2 years
Product: Credit card or prepaid card

I spent XXXX $ at XXXX for room upgrade and other room charges. I stayed at hotel during XXXX XXXX at room XXXX. According to the term I should get 10 % back for what I spent however offer was not activated
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington law was collecting money every month from me to remove negative items I didnt see a change in my credit scores
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Experian. I have changed my name because of this person, my SS number is very similar to them, live in the same county, same state. This is a joint account, I have only individual accounts..
Product: Checking or savings account

I have been charged XXXX by my bank since XXXX of 2019 out of a bank account I had some money on but didn't use. Recently I needed to start using this account again and I found these charges that were never authorized. 
I contacted the bank, they conducted an investigation and admitted it was their fault. 
But instead of refunding me ALL my money ( upwards of XXXX ) they refunded me only XXXX. 
When I called them, they said they don't need to refund any transactions made over 60 days ago. 
Please find attached some bank statements I collected randomly, but the charges are on ALL my statements and I can provide them.
Product: Student loan

I believe I have made XXXX payments and should qualify for Public Service Loan Forgiveness now, but Fedloan has me at XXXX. The disputed payments include the following : one from XX/XX/XXXX where Fedloan says I " don't have a bill for this payment, '' but still debited the monthly amount from my bank account. The issue was without my asking for it, they put me into " disaster forbearance '' because I lived close to the California wildfires despite the fact that the fires did not affect me personally. I called and asked to remove the forbearance, which had been placed for two months, and asked them to bill me as I wished to continue to make payments. They removed the forbearance and only debited my account for one month, but did not create a bill. Therefore, they took my money for one month even though I asked them to take it for two months, and then counted zero months. Another disputed payment is from XX/XX/XXXX during a transition from a prior servicer to Fedloan. This payment has been " pending manual review '' for over two years. I have submitted proof of payment for this bill but it hasn't changed anything thus far. I called Fedloan and they advised me NOT to submit for forgiveness now because it will be denied. They also said there is " no timeframe '' for when my disputed payments may be reviewed. I asked if I might speak to their ombudsman or at least a manager and was told " no. '' They would not give me any contact information for an ombudsman.
Product: Debt collection

On  XXXX   XXXX , a letter for validation of debt, amount presumably owed :  XXXX , was sent  to Medical Data Systems ask ing for a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to them, and to cease any credit bureau reporting until debt was validated by me. As of this date  XXXX / XXXX /  XXXX  , I was provided  by Medical Data Systems an Itemized statement that included all procedures, not   coded, which were performed including x-ray info which is a violation of  the HIPAA act. I was not provid ed a statement from the original creditor that would allow release of my medical information to  Medical Data  Systems nor was reporting ceased to all  XXXX  credit bureaus.  XXXX   XXXX  is the original creditor. I have never received a bill from this hospital and had insurance to cover all costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not fumish a eccount without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Seclion States : no consumer reporting agency may make a consumer report containing any of the following items of information Any olher ad item of information, olher than records of convictions of crimes which antedales the report by more than seven years.

1 I want the CFPB to publish this description on consumerfinance.gov Account # : XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. JPMCB - CARD SERVICE XXXX
Product: Credit reporting or other personal consumer reports

CFPB Complaint against Credit Reporting Agencies Text ( Separate complaint filed with all bureaus : Experian, XXXX, and XXXX ) : What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block the fraudulent information appearing on my consumer credit report. This information is the result of identity theft and fraud, and I request this block to be applied within 4 business days of you receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : account XXXX XXXX XXXX on XX/XX/XXXX account number : XXXX balance of {$590.00}. 

A XXXX account on XX/XX/XXXX account number : XXXX balance {$590.00}. 

A XXXX XXXX XXXX account on XX/XX/XXXX account number : XXXX. 

XXXX XXXX account opened in XXXX account number : XXXX balance {$70.00} XXXX XXXX XXXX  account number : XXXX date opened on XX/XX/XXXX A XXXX account number : XXXX XXXX opened on XX/XX/XXXX balance of : {$560.00} An account Creditor Name is : XXXX XXXX XXXX XXXXs Collection account number : XXXX opened on XX/XX/XXXX balance of : {$590.00} A XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XX/XX/XXXX balance of : {$590.00} A XXXX XXXX account number : XXXX A XXXX XXXX XXXX account number : XXXX XXXX XXXX XX/XX/XXXX balance of : {$1200.00} A XXXX account number : XXXX opened XX/XX/XXXX balance of {$590.00} A list of unauthorized inquiries on the credit report : XXXX XXXX XXXX XXXX date requested requested XXXX XX/XX/XXXX XXXX XXXX XXXX date requested on XX/XX/XXXXXXXX XXXX XXXX XXXX date requested on XX/XX/XXXX XXXX via XXXX requested on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 

I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as being mine. These fraudulent 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 the FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following inquiries on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

( XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXXXXXX XXXX XXXXXX/XX/XXXX ) ( XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am currently in an auto loan with a very high interest rate of 22.9 % ; this  loan was acquired in XX/XX/XXXX. I have been currently paying the amount of {$530.00} per month for a XXXX XXXX XXXX on time each month. My hours have changed at work and upon researching my loan, I owe {$10000.00} more than what my vehicle is worth placing me in an upside down loan. On XX/XX/XXXX, I submitted a letter electronically via the XXXX XXXX XXXX 's website detailing the request to lower my monthly payments. An email was sent on XX/XX/XXXX asking me to contact the company via phone because of privacy issues. I called XXXX XXXX XXXX on XX/XX/XXXX at XXXX and spoke with an customer agent and she was very short, unprofessional, and completely did not want to aid me in my request. Her reply was XXXX XXXX does not rewrite loans. She offered to give me an alternative lending source, XXXX XXXX at XXXX. Upon contacting this lender on XX/XX/XXXX, I was initially approved and then told they could only help me if I came up with a {$7000.00} down payment because again I owe a total of {$18000.00} and my vehicle is only worth roughly at the highest value of {$8000.00}. I think I was taken advantage of since I had just completed Chapter XXXX bankruptcy and had just been successfully discharged in XX/XX/XXXX resulting in me becoming a victim of predatory lending. I also would like to report XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX, GA XXXX ; Phone : ( XXXX ) XXXX ) who seemed negligent to tell me how my loan would work. They assured after successfully completing the auto loan for a year, I would be able to either refinance or trade this vehicle in for a lower price. I initially contacted XXXX XXXX   XXXX in XX/XX/XXXX but to no avail no one is willing to return my phone calls.
Product: Checking or savings account

Navy federal just closed my account and also was charging me overdraft fees for things I actually had the money in account for from XXXX and Im a loyal customer and is not very happy with what they have been doing for years now
Product: Checking or savings account

Chase charged me an overdraft fee of {$34.00} even though I have contacted them to opt out of Overdraft protection multiple times. They refused to refund an overdraft free for a payment that should have never been processed because there were not enough funds in the account to cover the payment. When I contact chase to request a refund, they stated that because the account is a reaccuring payment by XXXX for XXXX $ even though there was only {$20.00} in the account. I asked the rep to look back on my account because this was not a reaccuring payment. The rep refused. Chase goes around the overdraft opt out by allowing these charges to go through. Ive never had this issue with any other bank that allows your account to be charged regardless if it was a reaccuring charge or not. Ive brought my account current and am going to close my account but I am still requesting a refund of the overdraft fee.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a notice from Citibank that my account ending in XXXX was closed because of inactivity. I had no inkling that this was even a possibility until the account was closed. Citi notifies me all the time about all kinds of things, including their product offers, but never gave me an opportunity to use my account to keep it from being closed. When I called their customer service on XX/XX/XXXX, the representative told me that my account closure was irreversible and that Citi was under no obligation to notify me in advance. Ironically, they had just sent me a new card for the account they ultimately closed, further giving me the impression that my account was in good standing and not at risk for closure. 

This is no doubt incredibly frustrating news to receive because of the negative effect it will have on my credit score, but that 's only part of the problem. Financial services firms should not be able to take the drastic and onerous step of closing an account without first notifying the account holder and giving that person some time to rectify the situation. The CFPB has so many good policies in place to keep customers safe from unfair account practices, and requiring a company to notify account holders of potential account closer should be added to that list of protections.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts 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 it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX, XXXX, XXXX, XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a inorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts appearing on my credit report. I am requesting that the accounts listed below be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX Account No. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX Account XXXX. XXXX
Product: Debt collection

XXXX XXXX XXXX WAS DISCONNECTED WITH THE RETURN OF THE EQUIPMENT RETURNED TO THE COMPANY ON XX/XX/year> AND COMPANY BILLED {$51.00} AND AN EXPLANATION ON THIS CHARGE WAS NOT DETERMINED TO BE CORRECT FROM XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several names showing up on my credit report that have been reported in error and should not be listed. 

See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why these inquiries are on my report
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are reporting the wrong loan amount for XXXX XXXX loans. They are reporting {$15000.00} when XXXX keeps sending me statements advising that the loan amount is {$11000.00}.
Product: Checking or savings account

I am writing to file a complaint on Navy Federal Credit Union regarding multiple overdraft fees I have incurred.The deposits have been sufficient when transactions was authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB finding against Navy Federal credit union for similar practices, Where transactions settle with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my transactions.
Product: Credit card

I have a credit card from TD Bank to purchase specifically XXXX products ( XXXX XXXX ). I have called them multiple times to request that they close my account but they 1-Never answer the phone at the phone number provided on the website. 2- They keep me on hold every time for over 2 hours and I end up hanging up because I have a life to tend to and can't spend my days on the phone waiting for them. I have also called other phone numbers for TD Bank, their customer service, but they keep transferring me to the same number listed on the website, which is never answered. A message states that they are receiving high volume of calls, but I have called at different times of the day, including in the XXXX  of the night, and the message is the same. I don't believe the entire world is calling TD Bank all day and all night.
Product: Credit card or prepaid card

I was on hold for over 4 hours and the customer protection department refuses to help me with resolving my issue
Product: Credit card

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : AMEX XXXX and AMEX XXXX.