23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Navy Federal Credit Union account to fraudulent investment firm ( s ). 

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Navy Federal Credit Union did not take notice of COMPLAINT FOR DAMAGES AND OTHER RELIEF any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Navy Federal Credit Unions custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Navy Federal Credit Union promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Navy Federal Credit Union was in compliance with its own policies and procedures ; ( v ) whether Navy Federal Credit Union owed duties to myself, what the scope of those duties was, and whether Navy Federal Credit Union did not uphold those duties ; ( vi ) whether Navy Federal Credit Unions conduct was unfair ; and ( vii ) whether Navy Federal Credit Union has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit card or prepaid card

I opened a prepaid debit card account with XXXX XXXX XXXX  a part of PNC Bank to receive my direct deposits from my state unemployment benefits. The account was fine and I was receiving my direct deposits for months now. Then the following happened. 
I was asked to submit a summary and identification on a most recent direct deposit into the prepaid XXXX XXXX  XXXX account. I emailed them the summary of benefits from the state unemployment. They then asked me to verify my identity and I sent in my drivers license and birth cert. They then said my drivers license address didn't match my address on file. My address on file is my family 's address and that is where I live now since COVID-19 and same address as my benefits. They asked me for a phone bill so I sent that along with a bank statement from the address in my name. I did all of this. They are refusing to release my money. WORST part is that I was asked all this same info 2 months ago in XXXX and I sent it all in at that time and it was all cleared and my account was fine. Now 2 months later same issue and they are not releasing my money. I believe this bank is not a legit bank even though their card is issued by PNC bank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AN ENORMOUS AMOUNT OF PROBLEMS seems - to have started when something went wrong with XXXX account at XXXX XXXX! 

It was a Checking Accnt. I was using that account to make automatic payments to a lot of Credit Card XXXX. 


When something went wrong with that checking account at XXXX XXXX- it caused things to go wrong with payments to Credit Card Companies! 


Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 

Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 

Maybe all over XXXX XXXX? 

How many Companies??? 

Strange thing- if something goes wrong with XXXX account - if it is a checking account- it can spread a lot of problems to a lot of companies! 

I will file a more detailed complaint when I have more time & more energy! 

When I have better health!
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agencies known as XXXX, Equifax, and XXXX continue to report inaccurate information about my credit account known as XXXX XXXX XXXX XXXX. The account is being reported as charged off and with several late payments. I have sent several letters and proof to the reporting agencies and have not gotten them to update the account or remove it. Under the Privacy Act of 1974 I the federally protected consumer have the right to opt out of any of my non public information from being reported without my consent. Additionally the reporting agencies are required to send me opt out notices every thirty days, I have not received any notices. The reporting agencies are not reporting the same information for this account, which is also a violation of the Fair Credit Reporting Act which states they must maintain 100 % accurate information. This account is not charged off it has been discharged as agreed upon.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX XXXX Il XXXX Re : XXXX : Dear [ XXXX ], I acknowledge receipt of your response to my debt verification request dated [ Date ]. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided. 
Your response dated [ Date of Response ] did not include any of the aforementioned details. 
In accordance with the FDCPA, please provide the following : XXXX. The name and address of the original and current creditor ; XXXX. Verification of the debt amount you are attempting to collect ; XXXX. Documentation of any assignment from the original creditor, including my name and the original account number ; XXXX. All relevant information on the securitization of the debt and proof of its reassignment to .Federal law, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount. 
Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report. 
I appreciate your prompt cooperation in this matter. 
amount XXXX
Product: Debt collection

i have XXXX XXXX/XXXX on my credit report DIVERSIFIED CONSULTA that are not mine
Product: Checking or savings account

It 's been an ongoing problem with my bank Wells Fargo for a long time, the very selective way they have cleared charges just to asses another overdraft, assessing an overdraft because of an XXXX XXXX charge it is crazy! We are 7 days into XX/XX/XXXXand I have already been assessed 5 overdrafts it 's an impossible thing to overcome I fee like a hamster running on a wheel and getting no where, anytime I call any of their people they have very little remorse they are n't concerned that over the past year or two they have stolen many hundreds of dollars from me in overdraft fees
Product: Credit reporting or other personal consumer reports

I reported identity theft to XXXXXXXX XXXX XXXX XXXX  at the height of the XXXX XXXX due to someone using my debit card to make a purchase of gas in Kentucky. The fraud monitoring representative took my report, but possibly did not do any state or federal regulatory reporting causing me to experience fraud and eventually job loss. I contacting the bank on multiple occasions both via the phone, online, and in person at the branch to file multiple reports and requested financial hardships on multiple occasions. the bank representatives that I spoke with did not follow through and mail me the financial hardship request multiple times causing a delay with my ability to reconcile my credit card and personal loan accounts. The bank reported me to the credit bureau for nonpayment causing my credit score to drop and did not acknowledge their own staffing and operational issues. They then engaged in unfair collections practices which again negatively affected my financial reputation. I was a customer for more than 25 years and they had multiple issues with their operational issues due to possibly not providing any oversight to their staff.
Product: Mortgage

eOn    XXXX   XXXX  , I called  Midwest Loan Services , Inc . to get a payoff amount for my mortgage. They sent me a letter with instructions. On   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX  wired the payoff amount to Midwest. Since then I have called  Midwest  several times trying to get back the mortgage payment of {$890.00} that was "  Transaction   Date   X/X/17    '' and  Due Date   X/X/2017   . On   XXXX   XXXX  , I went to  XXXX   XXXX   XXXX   XXXX  where I had gotten my mortgage to see if they could help me. They lady was on the phone for a lengthy period of time before she gave up and handed the phone to me and said good luck. Once again they quoted me numbers that did not make sense to me and that do not appear on any of the documentation. That is why I am here.
Product: Credit reporting

I am a victim of Id theft and I sent two requests certified mail to equifax to do a security freeze. I mailed them twice the police report, utility bill, social security card and drivers license. I received confirmation of the certified mail. They did not respond to either of my requests for a security freeze. I called them XXXX/XXXX/15. I talked to 3 different people. The first one told me NO they wo n't do the freeze, I have to pay XXXX. The second one said I had a lock on my file, which I do n't recall placing and said I had to pay XXXX to lift the lock. Then they would place a freeze. I talked to a third person who again refused to do the security freeze and when I told them I was a vicitm and I sent my documents and provided the dates on the certified mail, they said they did n't have them. They said I had to send a third time and I could fax. This is very concerning as I sent highly sensitive personal information. I faxed it although I was very hesitant to do so. I sent these letters back on XXXX XXXX and they signed for it on XXXX XXXX ( 2015 ) and I sent it again XXXX XXXX. I 'm now concerned other fraudulent accounts may have been opened due to their lack of integrity and service issues. I want them to freeze my credit and send me updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Address XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus numerous of times to remove unknown personal information from my credit report. My name should read as the following on my credit report : XXXX XXXX XXXX My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. My mailing address is XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX AZ XXXX My phone number should be ( XXXX ) XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- this is a shopping mall My phone number has never been ( XXXX ) XXXX and I would like this number to be removed from my credit report. 
The number ( XXXX ) XXXX should also be removed from my credit report I no longer reside at XXXX XXXX XXXX XXXX, XXXX AZ XXXX and this address should be removed. 
There are inquiries on my credit report that are fraudulent and I requested the company to remove them and they're still there.
Product: Debt collection

I sent certified letters to XXXX, XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX disputing the collection account from Commonwealth Financial in the amount of {$1300.00}. On both occasions, all 3 credit bureaus stated the information was verified and accurate ; however, none of the 3 credit bureaus sent any documentation to support their response as I requested, only that the debt was verified. I contacted the company directly ( per the direction of all 3 credit bureaus if I still disagreed with their findings ) by certified mail on XX/XX/XXXX requesting that they validate the debt. The company signed for the certified letter on XX/XX/XXXX but I have never received a response from the company to this day ... ..almost 3 months after they received my letter. I contacted all 3 credit bureaus AGAIN by certified mail on XX/XX/XXXX advising that they did not provide any documentation to me and the creditor has not responded to me. I have recently received responses from both XXXX and XXXX stating they have verified the debt once again ; however, no one will provide me with any validation of debt documentation or address the issue on why the company will not respond to me. This has been going on for 6 months now with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XX/XX/XXXX my husband and I filed for Chapter XXXX Bankruptcy. We had a 5 year plan and paid our trustee on time, never late for 5 years. We were discharged XX/XX/XXXX While in the bankruptcy we filed for a loan modification with our lender XXXX. After several months we were approved for a lower payment XXXX XXXX to XXXX ) and our account was brought current. We had to get this modification approved by our trustee..which we did. XX/XX/XXXX our loan was transferred to Caliber Home loans, who recognized and accepted our new payment amount of XXXX. However, they failed to bring the account current, without our knowledge. Prior to our case being discharged, Caliber was sent a letter to notify the courts and trustee if there were any errors as we were due to be discharged. They did not respond. Our bankruptcy was discharged free and clear of any past due amounts. XX/XX/XXXX, Caliber contacted us and said we were XXXX behind and threatened to foreclose. They made us do a repayment plan to get caught us and NEVER HONORED OR RECOGNIZED THE modification to bring the account current, although we provided documentation. We have been struggling for11 months making double and triple payments on money that was not even due or owed. We want to keep our home and feel that Caliber did not honor what was approved by the courts and they failed to comply with the rules that a debtor needs to be notified prior to discharge of any discrepancy. We have suffered an enormous amount of stress and agony just to ensure we are back on track not to mention the house is over XXXX over the amount it is worth. In addition, Caliber has reported late payments the entire time we have been with them even in the bankruptcy which I thought was against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my credit check that is with XXXX XXXX XXXX XXXX  and I never inquired.
Product: Debt collection

I received notice from several credit monitoring agencies that the USCB debt collection company has reported about a negative collection account in my name in the amount of {$100.00}. I have not received any notices from USCB and I know that the company has my address because they responded to a complaint I filed in 2019 and my address has not changed.
Product: Credit reporting

Review the attached letter to this complaint from United States Senator XXXX Office. I received a letter from Senator XXXX office regarding his representatives speaking with Equifax representatives in regards to accounts listed on my credit report that 's not mine and incorrect information. Equifax informed U.S. Senator XXXX representatives that, they will review the errors on my credit report and immediately delete and block the accounts from my credit report. They fraudulent and unauthorized accounts are still listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report to find a XXXX account reporting that I never had. I contacted all 3 bureaus who's reporting this information, and i contacted verizon themselves. All 4 entities advised me that this account has been verified as accurate. The part that bothers me is that the account was opened in XX/XX/XXXX in which at that I was only XXXX years old as I am only XXXX right now. My birthdate is XX/XX/XXXX so there is no way possible I opened a XXXX Account at XXXX years old.. Is that even legal? 

There were also some other inaccuracies I noticed ... Can you please help me with this? ( Screenshot attached )
Product: Credit reporting or other personal consumer reports

Recently, I did an inyastigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ive tried to dispute this i wish i had all the letters ive sent out.
Product: Credit card

I have several charges on my destiny Mastercard that I did not authorize. I, in good faith, allowed a close friend to use the card to get gas and she ended up taking said card and continually using it to the point it maxed out my credit limit. Charges start on XX/XX/year>XXXX  and go through XX/XX/year>. That's over {$250.00} in charges i didn't authorize. As of right now this person has ceased contact with me after numerous attempts to contact her and reconcile the situation. She is refusing to even acknowledge the severity of the situation. I now am having to take this action which may include the law at this time. Thank you.
Product: Student loan

I have been audited by the IRS a few years ago and they confirmed that I had paid off all my student loans with the Department of Education in which they sent me my remaining federal income tax check after paying off remainder federal balances. I have also already applied again for another student loan and was approved, which if I did still have an outstanding balance I would have been denied. A year later I received a letter from a collections agency stating that I owe {$5700.00} for an outstanding federal student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that there is no need or no law that requires or authorizes credit card companies, data furnishers, or Consumer reporting agencies to report utilization. In facts pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) which says ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting utilization is a clear violation as it is directly related to transactions and my experience with the Credit Card company. 
The accounts that need updating are XXXX  XXXX reporting 102 % utilization XXXX XXXX XXXX XXXX reporting 100 % utilization XXXX XXXX XXXX reporting 97 % XXXX XXXX XXXX reporting 92 % XXXX XXXX reporting 73 % XXXX XXXX  reporting 0 %
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting two collections items ( # XXXX and # XXXX ) without naming the collection companies which allegedly are trying to collect the debts. Clearly this is 100 % inaccurate as how can I possibly dispute this item with the collection company if I don't know who it is. 

I have written to Equifax two times but they failed in both cases to properly validate the debt as required under the Fair Debt Collection Practices Act. Their continued listing these items on my credit report is a collection attempt which is barred under the the FTC  Cass opinion.