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

I have a checking account with JP Morgan Chase bank for more than a decade. Last four digit of my checking account is XXXX I saw on XX/XX/XXXX ATM WITHDRAWAL {$500.00} from my account that was not withdrawn by me. I called the customer service, they transferred the call to the claim specialist or fraud protection department. After like 30 minutes waiting for a lady asked me the reason for calling, I gave her the details of the unknown transaction, but she was not taking it in a professional manner rather she was asking question after question with and anger mood and then kept the phone without giving any note/advice/solution ... Then I called directly to the safe fraud dealing department and one lady representative talked very nice to me and told me, the amount of {$500.00} wrong or false transaction, shall be credited my account and she canceled/ inactivated my debit card. The amount of {$500.00} was debited in my account on XX/XX/XXXX. But, on XX/XX/XXXX, saw, the bank again directly debited {$500.00} from my a/c with a " Claim reversal : ATM WITHDRAWAL '' note. Then and there I called the customer service and after talking a little bit, they transferred the call to a male claim specialist or fraud dealing representative. I told him details of the reason for contacting, then he was talking with a very low volume, said something that that decision was final by the fraud specialist dept ; and it looked like he was not interested to talk to me about the matter anymore. I requested him many times that it was wrongdoing by the bank because I did not withdraw the mentioned/ disputed {$500.00} nor know nothing about how it was done. Then the call was interrupted or canceled. 

Please note that I had {$330.00} balance in my account, but when they take away XXXX dollars from it, the balance became negative ( - ) {$160.00} and faced problems to pay my bills. I was waiting for a good response, but, on XX/XX/XXXX the chase bank sent me an email that was insufficient funds in my account to complete the recent activity for my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commenity bank stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This ground for removal they've also violated my rights under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written consent Also Commenity Bank took more than XXXX XXXX  to complete my investigation here is certified mail tracking # XXXX
Product: Credit reporting or other personal consumer reports

I do not a have any contract or anything to do with this collection XXXX XXXX XXXX on my Equlfax credit report. 
They have not provide me with any info. just reporting knwon medical debet on my credit report. nothing accurate on this collection and iligally harming my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX of 2020. At the beginning of Covid, XXXX XXXX has reported late payments on my credit report for these months. I thoroughly explained to XXXX XXXX that a bank error ( due to Covid ) caused some type of payment reversal. The bank explained to me that this was their error and apologized. However, their apology did not fix my problem with this reporting on my credit report. I wrote to XXXX XXXX, XXXX, Equifax and XXXX explaining the problem. No one as helped. They know darn well when the pandemic hit, lots of businesses experienced all type of problems of computer issues due to staffing etc. This issue caused a significant drop in my credit report. I had been trying feverishly to stay on top of my credit after experiencing problems in the past. I vowed to never be in that situation again unless some tragic happened that prevented my from paying my bills. This was not the case at all. I had plenty of money in my account to cover the XXXX XXXX  monthly payment. It was not until months later that I found out about this error after reviewing my credit report. This has caused me great undue stress and I want it fixed ASAP! Or I will push further and be a thorn in the side of XXXX XXXX, XXXX, Equifax and XXXX. They can clearly see that I had a 3-4 year perfect pay history on this account. They shouldve taken this into account after I pointed out the error and explained what happened.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair credit reporting act account number XXXX XXXXXXXX XXXX has violated my rights 15 USC 16 81 section 602 a States I have the right to privacy 15 USC 16 81 section 604 a section 2 it also stays a consumer reporting agency can not furnish a account without my written instructions 15 USC 16 6b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Mortgage

I have a mortgage with Nation Star XXXX XXXX XXXX XXXX loan is XXXX old it was a 90 % purchase. Its a very hot real estate market in XXXX XXXX XXXX ID. Did my research and know what my house is worth which would put me close 70 % XXXX easy to qualify no PMI. I pick a re-value from a realitor. She came did it value came back {$22000.00} under purchase price from over 2 years ago. They did not send Xome valuation assessment until I ask for it once I got it immediately saw problem she listed it as a 2 bedroom vs a 4 bedroom ( appraisal from purchase has it listed as a 4 bedroom recorded as a 4 bedroom in county records ) Called Nation star told them of the mistake they said she a trained professional and I was wrong. I argued made my point said I would have to send all info I had to nationstar with all my facts and they would review. Have not heard or gotten anything in the mail from them very frustrating.
Product: Debt collection

I disputed the account and they still reported to credit. When I contacted they stated they see I disputed but still reported and won't fix
Product: Credit reporting or other personal consumer reports

For a second time I have given XXXX my drivers license, social security card and original birth certificate to correct my name on my credit report. My reports states I am a XXXX. I have given proof I am NOT a XXXX. This is a simple fix that XXXX and Trans Union have not correct after giving all information they have asked of myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuse to remove accounts from my report that was not authorized by me. The XXXX XXXX XXXX  and XXXX XXXX. XXXX XXXX XXXX Has been on my report for over 7 years and they still refuse to remove it off my credit report. Also there are several inquiries which I did not give consent to fringe upon my credit report those being XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX
Product: Credit card

I went to the store to purchase a mattress. We decided upon a model and the sales person asked me to fill some information to check how much I credit I would have to purchase it. The person never mentioned opening a credit card. Just a credit check. After a while and we decided to cancel the purchase as the sales person was very pushy. We told her and left the store. A few days later a credit card from the store arrive at my address. I called and requested it canceled. They said it was done but I am waiting on confirmation.
Product: Mortgage

Many attempts to short sale my home through a local realtor who has found a buyer and done everything possible to sell the home, but the Mortgage company has repeatedly made us jump through hoop after hoop and has taken too long in responding to our submissions and thus we have missed deadlines through the fault of the mortgage company not us!!!! This has happened over an extended period of time ... .and both the realtor, the buyer through the short sale, and myself have reached our limits with the mortgage company. We need help desperately in getting this company to adhere to their own deadlines and quit beating around the bush. I will end up foreclosing on this house and it worries me tremendously because I have done everything I can to keep this from happening but the mortgage company has been sloooowwww as molasses in helping this sale to occur. I am enclosing information for your review and hope against hope that you can help. 

SIncerely, XXXX XXXX XXXX
Product: Checking or savings account

I opened up a Bank Account with Bank of America back in 2014. And somehow when I ended up closing my account later. Somehow the Bank ended up saying that I owe them money from a overdraft few! That was something small I can't remember the amount but it was never more than {$60.00} or {$70.00} dollars that needed paying back! So I ended up paying everything back and somehow I ended up on Something called XXXX  XXXX! I even called XXXX  XXXX to have it removed from my Credit report. And Bank Of America and XXXX XXXX told me that it would be removed but it's still showing up on my Credit report and am having hard time opening up a New Checking account. Can someone please look into this matter as soon as possible please? Thank you. And yes I was a victim of Identity theft. And Police report was taken
Product: Debt collection

CMRE. XXXX. {$65.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im at wits end. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint numerous times. You claim Im not the one submitting it. This to me is senseless! So Im submitting it again expectantly for the last time. Transunion has not been fulfilling with Fair Credit Reporting Act ( FCRA ). I submitted complaints about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my awareness, approval or authority. I provided them with documents which established this legal matter but they have disregarded these documents. In fact, I have sent them my FTC complaint report and my Police Report which I filed on my local Police Department. They claim they confirmed the account without providing me with any lawful documents, contracts or verifiable proof they were unlocked by me. They are not following to section 605b by blocking or eliminating them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The account is : - XXXXXXXX XXXX XXXX Date Opened XX/XX/2018 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Not only did LexisNexis violate this, they confessed to me that they did a bad investigation and violated the FCRA by saying the following : LexisNexis does NOT guarantee the accuracy of truthfulness of the information in this report as to the subject of the investigation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX TransUnion, XXXX, XXXX XX/XX/2024 This letter is a formal complaint that you are reporting to my consumer report Fraudulently. 

According to the TRUTH IN LENDING ACT ( TILA ) 15 U. S. Code 1637 ( b ) ( 2 ) ( a ), It is a fact, I the consumer is aware, in there has been statements which have not matched my records and statements which have not been in accordance with the disclosure from the companies listed below that I received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence, Until U. S. CODE 1666 ( b ) ( 2 ). I the consumer is aware documentary evidence pursuant to 15 U. S. Code 44 includes all documents, papers, correspondence, book of account, financial and corporate records which involves all derives, assignees, hypothecations in connection with my all caps name. I demand to see verifiable proof of who you spoke to, date, conversation and written letter from the company you spoke to. I require this clarification in order to address the billing error for these accounts listed below.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation that has been placed on my PayPal account, under the email address XXXX. 

I firmly believe that this limitation might have occurred due to a misunderstanding or an error in judgment. I have always been a responsible PayPal user, adhering strictly to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. 

I kindly request that you initiate a comprehensive re-evaluation of my case. This would involve a thorough review of my account activities to verify that there have been no violations on my part. I am confident that such an examination will reveal my consistent compliance with PayPal 's policies. 

It is of utmost importance to me that my account be restored, as it plays a critical role in my financial transactions. The inconvenience and disruption caused by this limitation are deeply concerning. I have always regarded PayPal as a reliable platform, and I am optimistic that this matter can be resolved amicably. 

I genuinely value the services that PayPal provides, and I am eager to continue using its platform for my online transactions. I kindly request that you expedite this re-investigation process, considering the impact this limitation has had on my financial activities. 

In conclusion, I earnestly ask for your prompt attention to this matter. I am hopeful that, upon re-evaluation, my account 's good standing will be reinstated. Your assistance in rectifying this situation would be greatly appreciated.
Product: Checking or savings account

On XX/XX/2021 at approximately XXXX XXXX, I made a deposit of {$2800.00} Into the capital one atm at XXXX XXXX XXXX ny. After the deposit, the atm showed that I only deposited {$2300.00}, even though I deposited {$2800.00}. I called capital, the next day to fix the error and they grated me the credit for the remainder but then a few days they took it back. Please assist me with this matter because their atm made an error and I want them to fully reinvestigate the matter so I can get my missing money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a method of verification request to the credit bureaus and all they have sent back to me was the account was verified, or that they have updated information in my credit file with the note : NOT SPECIFIED. I then sent another dispute letter regarding all incorrect, inaccurate, unverified information on the account " XXXX XXXX XXXX '' ( XXXX ). The creditor has " updated the information. I recently I have noticed that XXXX  has not shown any time that I have disputed information with them in the past. TransUnion has stated that they do not provide the documents that are required for proper verification. So I am lost, if the FCRA indeed states that method of verification is indeed the credit reporting agency obligation, then why come TransUnion, XXXX, and XXXX  can tell me anything different?
Product: Credit reporting or other personal consumer reports

I have public information passed on that should be taken out or deleted. Per FCRA you are expected to delete this XXXX XXXX  Bankruptcies .I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX.
Product: Debt collection

There was a debt of {$4900.00} from Citibank-Best Buy in XX/XX/XXXX. XXXX XXXX contacted me and setup a payment arrangement of an initial payment of {$1100.00} and {$200.00} per month in XX/XX/XXXX. These payments were automatically taken from my account from XX/XX/XXXX - XX/XX/XXXX.  The account was closed and no additional charges were made to the account. After these {$200.00} payments for 18 months my balance was still {$4500.00}. Citibank-Best Buy would not let me make payments to them and insisted on me working with XXXX XXXX. During this period my account was charged a monthly {$35.00} late fee, even though XXXX XXXX set up the terms of the payment. I have tried to contact XXXX XXXX and Citibank-Best Buy over the last 2 years with no success. There has not been any written or verbal communication as to why this has not been resolved. My last all to Citibank-Best Buy, the customer service rep just told me it was a valid balance with no explanation why that determination occurred. There is also no one at either XXXX XXXX or Citibank-Best Buy willing to review my dispute in detail with me and perform the appropriate investigation to status my account appropriately and remove the incorrect balance. The last time I contacted the Citibank-Best Buy customer service the representative made the following comments to me. " Everyone in the world knows how a credit card works '' and " This has been going on awhile, You just need to pay the balance ''. 

I have detailed and sent this dispute 3 times to Citibank-Best Buy and the Collection Agencies.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to Experian credit bureau requesting them to answer several questions regarding their previous investigation on my dispute regarding XXXX XXXX XXXX. They did not provide me with the information but did mark the dispute as complete which I have the results attached. If they couldn't answer these questions, then this shouldn't have been on my report. This should not be on my report!
Product: Debt collection

This company has made XXXX attempts at contact, but even after it's been removed from disputing for this very reason, they've added to my credit reports again but I STILL haven't heard anything. I have not received phone calls or mail, so have not been given the chance to even ask for verification of debt or provided any rights notifications, but it was just re-added to my XXXX and has been on XXXX for some time ( I suspect they've reported to XXXX it just hasn't shown yet )
Product: Debt collection

I am filing this complaint against National Credit Systems regarding my interaction with their representative, XXXX XXXX ( extension XXXX ), on XX/XX/2025. I contacted them to settle my debt under Account # XXXX by offering 50 % of the balance in exchange for a pay-for-delete agreement. Despite my good-faith effort to negotiate, the representative was rude, dismissive, and refused to let me present my offer. She denied my request to speak to a supervisor and hung up on me. 

This behavior violates the Fair Debt Collection Practices Act ( FDCPA ) : Section 806 : Prohibits harassment and abusive communication.

Section 809 : Requires debt collectors to engage in good-faith communication.

Section 805 ( b ) : Prohibits obstructive tactics like stonewalling or hanging up to avoid negotiation.

Additionally, this behavior could lead to continued inaccurate reporting, violating the Fair Credit Reporting Act ( FCRA ), particularly Section 623 ( a ) ( 7 ), which addresses accurate and fair credit reporting practices.

Resolution Requested : 1. Assign a supervisor to handle my case and accept my 50 % settlement with a pay-for-delete agreement.

2. Provide written confirmation of the agreement on company letterhead.

3. Investigate the conduct of the representative and ensure future compliance with FDCPA guidelines.

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I HAVE CONTACTED YOUR COMPANY AND INFORMED YOU THAT THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME YET YOU STILL CLAIM THAT THEY ARE VERIFIED. MY QUESTION IS HOW CAN A FRAUDULENT ACCOUNT BE VERIFIED. I KNOW FOR SURE THERE IS NO LEGAL BINDING DOCUMENT BECAUSE I HAVE NEVER HAD ANY BUSINESS WITH THESE COMPANIES. ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ACCOUNTS BE DELETED. If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office. 

( 2 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the following accounts. 

XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX IN THE AMOUNT OF {$1800.00} XXXX IN THE AMOUNT OF {$2800.00} XXXX XXXX  IN THE AMOUNT OF {$420.00} XXXX XXXX IN THE AMOUNT OF {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 inquiries that I am not aware of, nor did I sign anything to pull my information. 

XXXX XXXX XXXX Equifax Mortgage XX/XX/XXXX, AND XX/XX/202XXXX XXXX
Product: Credit reporting

I am disputing the terms, balance, and amount owed on my Navient student loan account. It appears they may have front loaded interest payments. Creating a problem for my principal to be reduced each month I 've been making payments. Loan seems to her higher each month instead of going down.it appears they 've shifted loan interest instead of principal. These a ruins were willful, intentional, and taken in bad faith. I am asking for accurate verification of debit, balance, interest and principal due on my loans.