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

XX/XX/year> a merchant charged {$1200.00} to my debit card. My debit card was in my possession at all times, The merchant gained access to my debit card information erroneously. I have never done business with this company and I did not give my debit card to anyone to give to this merchant. as soon as I noticed this charge I notified my bank Navy Federal Credit union. instead of investigating the facts they sided with the merchant and will not refund my {$1200.00}. I have appealed this decision over and over and have gotten no where with the credit union. I have tried to contact the merchant but they have blocked me from calling them.
Product: Debt collection

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX. XXXX Nationwide Credit , Inc . 
XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXX Account XXXX Dear Nationwide Credit , Inc., This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. If this is not removed from my credit report I will be suing your company. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit profile from LVNV FUNDING with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer and LVNV FUNDING would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement.

Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I have not received any debt validation notice from LVNV FUNDING as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that LVNV FUNDING has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.
Product: Mortgage

In XX/XX/XXXX, my wife was laid-off from her job in hospitality, as a result of COVID-19. She was told by her employer that the furlough was indefinite and that, if she was reinstated, her pay would be reduced by 40 %. She was unemployed for 3 months before finding another job. As a result, we requested a mortgage forbearance under the CARES ACT.

Our mortgage lender, Fifth Third Bank, assessed our hardship and offered a 6-month deferment, which was agreed to over the phone. After the 6 months ended, the lender again offered another 6-month extension for our deferment, which again was agreed upon over the phone and officially recorded. 

In XX/XX/XXXX, we contacted Fifth Third Bank and agreed verbally to a work-out plan placing the balance at the end of our final pay-out to our loan. As with the first work-out agreement, this was recorded over the phone and purported to be official. 

In XX/XX/XXXX, we resumed making our scheduled payments to the lender. 

In XX/XX/XXXX, the Fifth Third Bank claimed that our forbearance was " On Hold, '' they were reneging our agreed upon work-out plan, and they were asking for complete payment of deferred payments from the last 7 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX  - XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : PREVIOUS ADDRESS : 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, credit repair services, or other personal consumer reports

I sent a dispute to Experian because they have an account misclassified as a revolving credit account which greatly affects my score. Both other bureaus have it categorized correctly as part of the home mortgage. The loan is from XXXX XXXX XXXX and its a Home equity loan. Being in revolving credit it affects my Credit Usage % by adding 50 % usage when it is less than 3 %. As soon as I asked them to correct the miscategorization they deducted XXXX points from my score for absolutely no reason other than my request.
Product: Debt collection

XXXX of full payment of debt agency is keeping account open and reporting to credit beareau and also did not send closure letter even after 1.5 months from receipt of payment
Product: Credit reporting or other personal consumer reports

Hard Inquiries that I do not recognize XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX I do have a card with them but did not request any increases. 
XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Captial XXXX Via Dealer XX/XX/XXXX XXXX XXXX  Services XX/XX/XXXX XXXX XXXX XXXX XXXX I tried disputing XXXX  times. Called today and was told that they needed my credit card number to give me any info pertaining to this account XXXX XXXX XXXX XX/XX/XXXX XXXX  sent a dispute in XXXX of XXXX haven't heard back. 

There was a breech of information of a company that I am affliated with that was held at ransom causing all patient information to be compromised through XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : Inquiries ; Accounts : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Medical Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021
Product: Checking or savings account

On XX/XX/XXXX, a series of fraudulent charges hit my Capital One XXXX XXXX XXXX in the amount of {$3400.00} from two companies : XXXX and XXXX. I immediately disputed these claims with Capital One and they refunded the full amount by the next day. However, after further investigation Capital One decided that they would only refund {$900.00} of the claim which was from XXXX. The remaining {$2500.00} from XXXX was deemed legitimate from Capital One. I asked to be provided with documentation in which Capital One did stating that the XXXX addresses matched my email. I then submitted an escalation which Capital One did not even seem to review. The escalation included a police report number and my work with the local authorities on the matter. I called back once again and Capital One said there was nothing more they could do. At this point, I am at a loss because I can not afford to pay back the {$2500.00} that was fraudulently taken from my account and the Capital One Fraud Department has been less than helpful with any remedies I can further take. They simply say " we are not going to pursue this any further. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in 2020, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX XXXX  : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax 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 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 XXXXEquifax XXXX XXXX XXXX-Equifax 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 XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Money transfer, virtual currency, or money service

I use my cashapp for specific people but there are three transfers I just noted today to XXXX XXXX on the following dates : XX/XX/2020 for {$200.00}, XX/XX/2020 for {$20.00}, and XX/XX/2020 for {$320.00}. The transfers were done without my knowledge and did not consent. This is not the first time I have had fraud with my account and every time I use it I label what it is for these transfers are not labeled.
Product: Credit card or prepaid card

Someone Fraudulently purchased a {$500.00} gift card to XXXX XXXX and used my credit card. I disputed with Citibank and their billing disputes team initially issued a {$500.00} conditional credit then reversed the credit after talking with the Merchant. The Merchant provided Citicards with a bogus email address and suggested that the person committing the fraud had downloaded and used the gift card. 

Citi negligently failed to compare the email address that I have had on file for them for 10 years with the email address the gift card was sent to. Then Citi reversed the credit and charged me for the purchase on my XX/XX/XXXX statement. Citi now says the dispute is closed in the Merchants favor.
Product: Credit card or prepaid card

Dear Sir/Madam : I am a XXXX XXXX XXXX XXXX On XX/XX/, I purchased a roundtrip XXXX XXXX XXXX plane tickets for {$1400.00} from XXXX XXXX  to XXXX, XXXX and back via search engine called XXXX at XXXX : XXXX. I received the attached email confirmation from XXXX on the same day showing the {$1400.00} that I paid. However, later I saw a credit card charge in the amount of {$1400.00} on XX/XX/. I submitted a dispute online to my citibank costco visa credit card on the same date for the amount of {$40.00}, which is the difference between the amount I actually paid and was charged for. With the dispute, I submitted copy of the confirmation email I received on XX/XX/2023 from XXXX showing the {$1400.00}. However, on XX/XX/2023, I received a letter from the Citibank asking me to sign a letter confirming the disputed amount and mailing it to them. Citibank did not offer any faxing or emailing options. See the attached letter for details. I called Citibank on XX/XX/XXXX or XXXX explaining that I submitted digital copies of the confirmation letter and that I do not understand why I need to sign another letter and send it via mail. A customer service representative understood my issue and tried to be helpful by submitting additional information such as that I called confirming the amount and flagging the copy of the confirmation email with charged amount during the initial submission of the dispute. However, on XX/XX/2023, I received the attached letter from the Citibank stating that they were not able to resolve my issue and the charges will stay valid. I do not understand why Citibank continues to spend so much time to resolve a {$40.00} dispute which is costing it way more than that in labor hours and supply. It is also wasting my time. I am a great customer who brings a lot of business to the Citibank. I kindly request to refund {$40.00} in difference because I did not authorize the charge.
Product: Debt collection

XXXX XXXX, XXXX, kept leaving voicemails, not telling me what it was about which I figured was a scam. I finally returned the call and asked what it was about. He told me I owed over {$5000.00} in shipping charges. I have never had anything shipped to me that was over {$20.00}, so I believed it was definitely a scam and I blocked their number. I just received another voicemail from a private number that was threatening saying it was not going away. His name is XXXX XXXX from XXXX XXXX XXXX. Please help stop them from harassing me about some bill or fee I owe. I have never heard of them. I am concerned that you may give them my address. They have never sent me any mail which is another red flag for scammers. 

Thank you, XXXX XXXX
Product: Debt collection

They disclosed information about a debt to my son and a persons that identified themselves as my parent. According to my rights, this can not be discussed with anyone except myself, spouse, or attorney. They brought paperwork to my home stating I was being sued for a loan. Again, they did not hand me this paperwork, they handed it to my child and a person that identified themselves as my parent.
Product: Credit reporting or other personal consumer reports

I tried to call and speak to someone at the company. They wanted me to provide personal information and i refused. I told them I never approved a credit pull and hung up. XX/XX/year> a hard credit pull was done on my credit and was NOT approved!
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit card or prepaid card

Good Evening, I had a credit card with XXXX XXXX. I received a notice dated XX/XX/2019, informing that my account will be closed as of XX/XX/2019, due to account inactivity. Previously my account was decreased based on running my credit report XXXX XXXX determined that I had too many revolving credit cards. Yes! I do have a few credit cards, but my payment history with them all is great. So I was decreased down to {$100.00}, and at XXXX XXXX, that's one bra. I decided not to use it, and save it for one of their big sales. I called today ( XX/XX/2019 ), and spoke with XXXX XXXX who informed that they will do that if you don't use your card. I asked the following questions : Q : When was the last time I used my card. 
A. A little over a 1 1 /2 ago. 
Q : Was I ever late with a payment? 
A : No XXXX XXXX you have a perfect payment history. 

I was informed that if I wanted the credit card back I would have to reapply. You hurt my credit by closing my account, and you want me to reapply ; which also hurt my credit. I can understand if I did something wrong ; I had such a BAD payment history, but guess what I didn't have that. 

PLEASE HELP ME!!!!!!!!!
Product: Vehicle loan or lease

Truck was deemed a total lost XX/XX/year> XXXX XXXX said they can't find title my insurance company can't pay off loan with out title i am still paying loan out of pocket even tho vehicle is deemed total lost and reimbursement for money paid out of pocket because insurance and gap covers payments title is needed also
Product: Credit reporting, credit repair services, or other personal consumer reports

LATEST CREDITOR : MEDICAL BUSINESS CONSULT ORIGINAL CREDITOR : XXXX XXXX XXXX DATE REPORTED : XX/XX/2018 BALANCE : {$920.00} MEDICAL BUSINESS CONSULTANT XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX PHONE # : XXXX ORIGINAL CREDIT PERSISTENTLY RESELLS DEBT THAT HAS ALREADY BEEN PAID TO NEW CREDITORS. THIS DEBT REAPPEARS FREQUENTLY. THIS DEBT HAS ALREADY BEEN DEEMED INACTIONABLE BY THE CREDIT REPORTING AGENCIES. TO CONTINUE TO PLACE THIS ON MY REPORT IS AGAINST THE FAIR CREDIT REPORTING ACT AND I WILL PROSECUTE. REMOVE THIS DEBT IMMEDIATELY AND QUIT RESUBMITTING IT AFTER IT WAS SUCCESSFULLY REMOVED.
Product: Debt collection

1st issue my original creditor is XXXX XXXX XXXX. They sold the debt to Midland Funding. Midland uses XXXX XXXX XXXX to pay debts. I paid a settlement offer of {$510.00} to XXXX XXXX XXXX XXXX. They told me after 30 days the debt would be updated to the credit bureaus as XXXX balance account settled. After over 50 days they still have n't removed by balance or updated my paid amount.I have disputed it several times with the credit bureaus and each time Midland Funding denies payment. I spoke with Midland Funding XX/XX/2016 and they said the payment has n't cleared so they will report it in an additional 4-6 weeks. I explained to them the agreement made with XXXX XXXX on their behalf. The employee then said she would attempt to expedite the process. On today I spoke with Midland Funding. They are now saying payment was received XX/XX/2016, but it will take another 30-45 days for the credit bureaus to be updated. I then told them they have repeatedly broke the agreement made and I will report them to the Federal Trade Commission.The employee then said they will expedite my claim and the credit bureaus will be notified of the settled amount in 3-5 days. My other complaint is this debt is being reported twice on my credit report. The original creditor XXXX XXXX shows a charge off XXXX balance, and then Midland Funding is reporting that I owe {$680.00}. So this is leaving me with XXXX derogatories on my credit report for the same debt.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.