23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Dispute XXXX XXXX XXXX XXXX Experian claims that this is a valid collection action yet neither Experian nor the alleged collection agency, XXXX XXXX XXXX, has provided any documentation whatsoever to support this claim. I have repeatedly tried to contact XXXX XXXX XXXX by mail and phone and have not received a reply to both my letters and voicemails. I have filed multiple disputes with Experian but to no avail. Experian claims that XXXX XXXX XXXX has provided validation that this collection action is legitimate, yet I have received nothing to support this claim other than Experian continuing to state that its valid. Experian keeps closing the dispute without providing any evidence whatsoever that XXXX XXXX XXXX collection action is valid. I have no knowledge of what they are trying to collect for, and have not received any invoices or other correspondence related to this. Experian is negligent in their duty as a credit bureau by not removing an inaccurate entry on my credit report and by not providing any evidence that XXXX XXXX has a valid claim.
Product: Checking or savings account

XXXX XXXX has been initiating transfers between my checking accounts without my authorization in order to compensate for a negative {$50.00} balance. This balance has been that way for less than 30 days and am currently awaiting a deposit. I have overdraft protection which withdraws from savings. I contacted Navy Federal Credit Union on XX/XX/2022 at XXXX pst because they made the same transfer and notified them that was not authorized to refund the money back to its original checking account, they acknowledged the error and immediately corrected it. On XX/XX/2022 they again made another transfer between checking accounts without my consent. I contacted them on XX/XX/2022 at XXXX pst to correct this issue yet again. They said they have the right to move money around any XXXX of their members accounts in order to cure a negative balance whenever they want and that it was in their initial terms of service when I initially opened the account also that each member is bound by these terms when opening an account through XXXX XXXX. I then asked them to provide me the original terms of service for when I opened the account the representative responded with " I do not have the terms of service for when you opened the account, only the newest terms if you don't agree with the terms then move your finances to another banking institution ''. I then asked why yesterday the issue was acknowledged but now it is a complete change in story. XXXX the representative I was escalated to said he would have to investigate it then hung up the phone. This is a banking institution that handles the management of my funds and countless other members. An institution who is not telling their members that they are moving members funds without authorization of the account owners. The conversations were recorded by Navy Federal Credit Union
Product: Checking or savings account

I submitted a complaint through CFPB and they said that the {$37.00} fee would be refunded to me on XX/XX/XXXX and it HAS N'T been done. Response from original complaint. On XXXX XXXX, 2017, FNB issued you a one-time courtesy refund of OD Fees in the amount of {$37.00}. I need this done like XXXX XXXX XXXX said it would be and I have no further questions or need to speak to anyone on the phone. If you care about my business and want this to be finally resolved then I expect XXXX XXXX XXXX to make sure it gets done. Please respond back to this complaint when it is truly done and I can pull it up in my online banking and see it done, I realize it will now be done after the XX/XX/XXXXbut need this done ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to allow XXXX Bank to update information related to a CLOSED account, as of 2018. The account was rendered a CHARGE-OFF ( the account is fraudulent per police and FTC report XXXX. However, Experian continues to allow the original creditor access to the fraudulent account and update the account with fraudulent information that the account is LATE each month. US Bank has deemed the account CLOSED CHARGE-OFF but Experian continues to allow the creditor access to the fraudulent account, allowing XXXX Bank to change the opening of the account, closing of the account and status date of the account each month. This is in violation of the FCRA, as this information had been removed/blocked has been allowed to reappear and post fraudulent information each month. Experian needs to be held accountable for taking such actions that violate the law. XXXX Bank Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is a third party collection company that collects for XXXX XXXX. I have sent them a cease and desist letter and they ( XXXX XXXX XXXX XXXX XXXX ) have agreed to cease all forms of communication with me which includes ceasing from reporting this alleged debt to my consumer credit report. Even though its XXXX XXXX XXXX XXXX XXXX but on my consumer credit report it shows as a XXXX collection with account # XXXX but its really XXXX XXXX XXXX XXXX XXXX XXXX I have attached both my cease and desist letter as well as XXXX XXXX XXXX XXXX XXXX 's response stating that they will agree to cease all reporting to my consumer credit report. I would like for Experian to IMMEDIATELY REMOVE/DELETE this account from my consumer credit report!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Equifax Fraud Department XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have also filed a police report with the XXXX XXXX XXXX  XXXX precinct the police report number is XXXX. 

XXXXXXXX XXXX XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX XXXXXXXX {$180.00} XXXXXXXX XXXX XXXX XXXX  {$490.00} XXXX XXXX {$0.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was scammed by someone who got Venmo to pay them {$1400.00} from my account. Venmo tried to get funds back from my attached bank account but recognizing I was being scammed I immediately froze my account. Now Venmo calls me on a daily basis to get me to pay back the money. I dont feel like I am responsible because Venmo , as a financial institution should have recognized these transactions as fraud. Surely they had seen the same type of scam before and I feel they should have protected my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to place a freeze on my Equifax credit report ( my husband and I have now devoted 6 hours and counting to all our security risks due to THEIR data breach ) beginning XX/XX/XXXX, and again on XX/XX/XXXX, through their website and have gotten a variety of messages. On XX/XX/XXXX I received a message that indicated there was already a freeze on my report ( only options given were related to LIFTING a freeze ), even though on XX/XX/XXXX I received a message that the service was unavailable " at this time ''. This is a serious issue since to create a freeze, you are given a one time PIN # so that you are able to lift your OWN freeze as needed. Since I was never issued a PIN #, now I am FROZEN OUT OF MY OWN ACCOUNT?! This company needs to be held accountable for the consequences of their failure to protect us. They 've made millions off of consumers who were never given the choice of sharing this very sensitive personal information. All credit agencies should be held to the same standard, at minimum, of healthcare providers, i.e. HIPPA, and should never be allowed to profit from breaches by selling monitoring services! I want my report frozen, and the default should be free, temporary lifting. Please step in and protect consumer 's rights to their financial data!
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit card

In XXXX, I established an account with Affirm.com. However, they allege the existence of five additional accounts under my name, which I did not authorize. These unauthorized accounts utilize different phone numbers, email, addresses, signature, and social security numbers, yet Affirm maintains I am liable for their payment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

Hello, I need your help in this matter with Bank of America. 
I am being accused of a fraudulent transfer, that I made on XX/XX/XXXX. 
The accusation is made without the knowledge where the transfer originated from, or proper investigation. 
I was an authorized user on their account ending in XXXX, and transferred money into another Bank of America account ending in XXXX. 
Instead of investigating they prefer to accuse me of illegal transfer. 
I been given the run around since the end of XXXX, when my accounts were frozen, and then closed. I wrote to the XXXX  and copied others, but nothing it's done. I can forward the e-mail that contains all the information, upon request. 
I hope you can assist on this matter, or at least tell me what did I do wrong. As of today, I have not received my money from account ending in XXXX for about {$32000.00}, or a valid reason of why this is happening. 

Thank you, XXXX
Product: Checking or savings account

Cash app closed my account on XX/XX/year>, they refuse to tell me why. I was refunded {$14.00} from XXXX on XX/XX/year> and it was declined by cash app. Spoke to XXXX and the funds are sitting with cash app. Spoke to cash app and they basically closed my issue and said they wont give me my money and refuse to give me any additional information or discuss the matter further.
Product: Debt collection

XX/XX/XXXX = Portfolio Recovery Associates was notified in writing and over the phone ( XX/XX/XXXX & XX/XX/XXXX ) that I no longer am responsible for 2 debts they purchased because my ex husband was assigned the debt in our divorce. 
This came to light as I was working out financing for a home, and I was told by a supervisor today that they will not take into account the legal document I turned into them as proof of my absolution of the debt responsibility. 
According to a signed order in the divorce decree, my ex husband accepted and was assigned both accounts as of XX/XX/XXXX, the day the order was signed by the judge. 
All I am asking is for them to remove my name and transfer it into his name. When they said that only the signer to open the account mattered, I then requested proof that I owed them anything ; that I had signed anything under contract with them or that I owed them this debt. They refused to discuss and went by this request as though it didn't matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an old XXXX XXXX  card as a charge off. It was paid by agreement with XXXX XXXX  and is not a charge off.
Product: Bank account or service

On XX/XX/2016 I was contacted by USAA Bank but no message was left. When I called them back, I was sent to the main menu where I checked my balance, at that point I was made aware of an unusual balance of over {$4000.00} in my checking account. I knew that was unusual and called to report it. The rep. XXXX from member security stated that a deposit of {$4600.00} was made, after some questions I was confused due to the medications I take as a veteran and stated that the only possible reason for the deposit was if my father had sent the money. I was not completely sure and was merely stating a thought. I was then asked if I had withdrawn money and I confirmed that I had at some point withdrawn money that week but could n't remember the day or the exact amount. I was then told someone had called in as me and had access to my entire account and it was now under lock. 
I tried to explain that I have been the victim of ID theft thru XXXX XXXX Inc. and did not commit any fraud. 
I was contacted on XX/XX/XXXX by the original USAA XXXX, who badgered me with questions stating I was committing fraud and being held liable. 
I was then contacted by XXXX in the USAA XXXX. that I was going to be held liable but I was not provided any reason as to why.
Product: Checking or savings account

I filed a complaint with Bank of America XXXX XXXX- and the banks investigation yielded information that was completely one-sided and didnt even address the underlying issue that was being addressed. 

XXXX charged me for an additional shipment charge - which Bank of America received records that substantiated that the shipment occurred - however, the charge wasnt refuting the accuracy of the shipment- the charge was refuting that the charge should have been paid ( and billed ) to another party ( NOT my card ). 

However, Bank of America NEVER contacted me to validate their lopsided investigation - instead they sent a retaliation letter stating that my temporary funds of {$200.00} are being reversed.
Product: Checking or savings account

On XX/XX/XXXX I open checking account at Huntington Bank located at XXXX XXXX XXXX, XXXX, Michigan XXXX. Bank representative opening account was XXXX XXXX XXXX. Deposit was only XXXX dollars with intent established I would add more as it became available dependent on my assets being released to me by Michigan Treasury Unclaimed Property (  MDTUP ). On XX/XX/XXXX Huntington Bank representative XXXX XXXX without giving notice or my approval ordered checks for me plus charged my account {$24.00}. On XX/XX/XXXX due to shortage of funds my account was charged overdraft fee of {$25.00} being it possessed only {$10.00} at time unauthorized check debt was charged. As of XX/XX/XXXX additional overdraft fee was charged due to funds for initial overdraft fee was not available. 

At time all these transactions were made it was unknowing to owner of account unto XX/XX/XXXX. On that date owner of account after XX/XX/XXXX visit to bank where account owner shared information of his information concerning possessing assets at MDTUP was incorrect plus property of municipal bonds were not called ( matured ) plus were still being held by XXXX  XXXX XXXX XXXX XXXX unto XX/XX/XXXX. Thereof account owner desired to obtained secured loan with insured municipal bonds as collateral. Huntington Bank representative acknowledged that bank only did secured loans on basis of cash bank held of applicant. At such time none of account charges were bought to my attention. With bank having refused six digit secured loan on XX/XX/XXXX sought to close account but could not do so with Ms. XXXX in error having created overdraft for account holder. Account number XXXX, XXXX XXXX. XXXX. 

Ms. XXXX XXXX at best abused her authority to order checks I did not desire plus charged those checks to my account. At worst Ms. XXXX XXXX knowingly plus intentionally committed fraud that to this date equal to excess XXXX XXXX dollars charged to me in overdraft fees plus is still growing likely to become felony offense. bank representatives I talked to did not possess authority to correct this condition plus left me to discern that my only recourse for due action is complaint. 
I believe we should remedy this matter without further delay or court action by having Huntington Bank erase debt plus return my XXXX dollars to account plus make it available to me. If bank so desire I possess plus will return in entirety unauthorized checks it forwarded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 15 U.S.C 1681section 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: Debt collection

IQ Data International is the collection agency that was retain by XXXX XXXX XXXX XXXX XXXX the say i old a balance of XXXX dollars which is incorrect i am tired because XXXX XXXX XXXX XXXX  compromise my information and file a eviction on me in this XXXX this year i have attached all of the court documents
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any involvement of any third party involved. My personal identifying information has been improperly used to furnish fraudulent information on my consumer report that requires my written consent, which wasnt giving to XXXX, XXXX nor EXPERIAN which is aggravated identity theft. Fraudulent Accounts : XXXX ) .XXXX XXXXXXXX : {$510.00} Opened : XXXX XXXX XXXX ) XXXXXXXX XXXX  : XXXX XXXX ) XXXXXXXX XXXX : {$120.00} XXXX XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Fraudulent. After reviewing my credit report I noticed that several fraudulent accounts, inquiries and a address are on my consumer report. The credit reporting agencies policy doesn't supersede federal law. The law says, in case of identity theft a consumer must provide a : 1. FTC Identity Theft Report # XXXX XXXX. Identification 3. Confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. 15 USC 1681C-2 ( A ). 
XXXX and Experian as financial institutions have not given I ( XXXX XXXX ) the opportunity to opt out the disclosure of said nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of nonpublic information in accordance with 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). Pursuant to 15 USC 6823 ( a ) whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to {$500000.00} for a felony by an organization or imprisoned for 5 years or both. Having the above mentioned information, Experian and XXXX are both together and separately violating my federally protected consumer and privacy rights. In addition to those violations, you are also committing fraud since you claim to have verified these accounts. I am hereby demanding this entry be permanently removed from my consumer file within 5 days from the day you RECEIVE this letter. 
Im also exercising my right to opt out and suppress my information from being disclosed in Experian and XXXX products. Should you choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and my states Attorney General and initiate legal action against XXXX for violations of the FCRA and pursuant to FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) I'm requesting the following : 1.Who in your company verified these accounts? 2.How did the person in your company verify these accounts? 3. Once again Please provide me with the name of the individual, the business address, and the telephone number of the person or business that was contacted during your re-investigation? Please note that making any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ) of the Gramm-Leach Bliley Act
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian for their inadequate handling and investigation of my recent credit disputes. Despite me initiating disputes, Experian has failed to properly investigate and address the inaccuracies in my credit report. 

I have submitted multiple disputes regarding incorrect information and evidenced of identity theft. However, Experian 's responses have been generic and insufficient, indicating a lack of thorough investigation. This has adversely affected my credit score, causing undue stress and potential financial harm. 

I am aware that Experian is currently facing a lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) for similar issues. The CFPB alleges that Experian conducted " sham investigations, '' routinely accepted unreliable responses from data furnishers, and failed to properly inform consumers about the results of their disputes. These practices have led to incorrect information remaining on consumers ' credit reports, ultimately harming their financial health and access to credit. 

I request the Consumer Financial Protection Bureau to intervene in this matter and ensure that Experian conducts a proper and comprehensive investigation of my disputes. I am attaching all relevant documents, correspondence, and evidence to support my case. 

Thank you for your attention to this matter.
Product: Student loan

3 years ago my service provider switched from Navient to the XXXX XXXX XXXX. While it was under Navient which was for quite some years while I was still in school they kept dropping my school forbearance and kept telling me I needed to repay it. But I could t because I was still in school. Due to this it showed I had missed payments as well as a drop in my credit due to the fact. 
Fast forward to when I stopped going to college I called Navient to see if there was repayment options but they kept forcing me into forbearance that went on for a few years. 
Fast forward to 3 years ago one day I did my yearly credit report. And it showed that my service provider changed with out me even knowing, I called Navient, they told to call the new service there was nothing they could do. For the past 3 years since this has happened Navient still hasnt taken or reported that my loans were transferred and it is hurting my debt tremendously, I cant get loans to improve my business, and its almost impossible for me to get a place to live because of the wrongful doing of Navient. I beg you will someone please do something about this. Im at my wits end.
Product: Debt collection

I have two. One is for XXXX and the other XXXX and no clue what its for.