23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. please delete within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

I attempted to purchase an XXXX XXXX off of a seller on the site XXXX on XX/XX/2020 for {$350.00}. The money was sent via XXXX and I paid for it using my Bank of America debit card. I've attempted to notify XXXX and XXXX but I was simply instructed, by XXXX, to request a " reversal '' of the funds. I tried to do so, however I was blocked and was unable. I disputed it with my bank however they declined my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

HHGregg, who used Synchrony as their primary financing option went bankrupt and left me with a balance. This was an issue so I called customer service to make sure I was set up on automatic payments and to be sure the purchase was still safe as I had warranties also financed through the bankrupt company. The representative informed me everything was fine and my automatic payment would continue as scheduled. To our surprise, our synchrony is reported late 60 days with different dates and balances. This account was never late and I feel betrayed with a mortgage application on the line now because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen last year. An account with XXXX XXXX was opened due to my information being stolen. It now shows that this bill from XXXX has been closed. The amount is {$3700.00}. I do not understand why this is still showing on my credit report. It is not mine and has been since closed but yet it is having a potentially negative impact on my credit score, which I have been working hard to increase. Can this please be removed completely. Thank you
Product: Checking or savings account

your account. 
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

I have not received satisfactory response from Freedom Mortgage about payment history. XX/XX/XXXX, I had to send them payment via certified mail be caused they had previously claimed they were not receiving payment. XX/XX/XXXX they have not received payment even though it was sent. I have repeatedly tried paying on their website and receive error messages consistently. Now my credit is ruined because of this situation. They do not return my inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to this company several of times to resolve this illegal and unethical behavior. They are reporting an fraudulent account to my credit that was already paid. This fraudulent company purchased this old debt from the original creditor, used scare tactics which is in violation of the FDCPA to collect on a debt that was already paid for. They are reporting this negative information to my credit and it is causing great stress emotionally and financially. I will be forwarding this over to my local attorney general, I will be reaching out to an attorney to file a lawsuit for damages and wages and I will be speaking with the media to have them investigate this fraudulent company. Ive asked them on several occasions if I owe the debt prove it, provide me with proof of debt and they refused, the agents were very rude. I am giving them 30-days to resolve this issue otherwise I will proceed legally against them.
Product: Credit reporting or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account has wrong dates on it including dates account was closed and changed off dates are incorrect and they keep updating my account like its new debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. IS 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX put a hard inquiry on my report without my knowledge or consent. I have opted out of all authorization and the company is still illegally reporting on my credit report. 15 USC 6802b PERMISSABLE PURPOSES
Product: Debt collection

Enhanced Recovery has XXXX filed a collection account against my credit reports for a bill to XXXX that I do not owe. The collection was originally placed last week. I verified with XXXX that the debt is not owed and Enhanced Recovery removed the collection. Today, Enhanced Recovery placed the collection back on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I wrote a check to my vendor which I have a copy of that check. My vendor stated they had not received it yet. So I wrote another check on XX/XX/XXXX for the same exact amount paying for the exact same invoices figuring our vendor would receive them both and credit our account. I like be on-time with all of my payments. This is why I have great credit. Someone washed this check and was able to cash it at Morgan Chase Bank in XXXX, California per the police investigators report. Chase bank was able to get the money back therefore my bank XXXX XXXX refunded me that money for {$23000.00}. The second check got washed and cashed as well during the same time with a different name and cashed at a Morgan Chase bank in XXXX, California. The Police investigator was not able to get any information in regard to this check. The bank was not being cooperative. I have a copy of that check as well with the way I wrote it. That check was washed and cashed. In tears I went to one of the Chase banks in XXXX and the manager said they can not give me any information for the person that cashed it since I do not have an account there. My argument is that this person that washed my check has to have a bank account there, the bank has to have all of his information. I, myself can not just cash a check in that huge amount without having a bank account in my name right? For this criminal to be able to wash and cash a check in the amount of {$23000.00} is just wrong. I want to press charges on this person and Morgan Chase bank for allowing this person to cash this check without the bank stamping it. I feel Morgan Chase bank might be in on this scam since they cashed both checks. The only information I received from my bank XXXX XXXX in XXXX, California is this criminals routing # XXXX at Chase. I am a hard working citizen that was not only scammed once but twice. The bank Morgan Chase wants to protect these fraudulent people. There should be consequences for them. I should not have to suffer like this. My son fought XXXX and it was stressful for me. I do not need this extra stress. Nor do I need to lose this kind of money. This has to stop. Please, Please, Please help me. I'm begging you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a product I did not order, it was a phone system. I contacted the company, they refused to budge, so I disputed it with the credit card company Citi bank and they would not budge. So I cancelled the credit card company, cancelled the bank account and filed a dispute with the credit card companies that determine credit rating. Everyone has said I need to pay. Why should I have to pay for something I did not order or want. My credit card rating went from XXXX down to XXXX. It really does not affect me as I have all the credit I need and do not carry anything over as I pay everything off each month. However if I am treated this way, how many others are also being treated as I have been, being ignored on the facts presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Systems, I have had a collection from this firm removed several times from my XXXX, XXXX and XXXX credit files. First I have no knowledge of this debt and they never prove it accurate, next they continue to change dates of first delinquency so the credit agencies will allow it to report. Each time it is removed, they report it again months or even years later and just report a different first date of delinquency so that it will show up. This started in XX/XX/XXXX and 9 years later they continue, including again this week, thus once again sinking my credit scores will I once again wait for the CB 's to investigate and delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below.
XXXX - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information Equifax - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try again later. " ..occurs AFTER providing personal information and accepting terms of use XXXX - Page fails to load : XXXX XXXX XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action.
Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.
Product: Debt collection

IQ Data international , Inc. Sent me a collection notice XX/XX/XXXX XXXXAccount # XXXX with the principal amount XXXX interest amount XXXX with total due XXXX and threatening to increase the amount XXXX percent per annum. From a bill that was taken off my credit report from the apartment complex XXXX XXXX  XXXX. The account was removed from my credit report XX/XX/XXXX and increased my score XXXX points. I should not be receiving collections notifications.
Product: Payday loan, title loan, personal loan, or advance loan

Receiving predatory calls from Regional Finance regarding repayment. Unable to access account online and have discussed options in person. Loan was reported to credit agencies after XX/XX/XXXX and impacted credit score by more than XXXX points before regular credit reporting period.
Product: Debt collection

I have a forbearance on the debt until XX/XX/XXXX, with emails showing such, from the company. They are continually harassing my co-signer ( not me, oddly ) about payment on the loans. They provide the most absurd hoops to jump through in order to even contact them about it. The only email listed on the website is for a department called " XXXX, '' and any phone number goes to a machine which, shockingly, does not understand the command " stop harassing the cosigner, any more calls will be met with a lawsuit. ''
Product: Student loan

Please correct wrong report from Sallie Mae and SLM. I have requested MANY times!
Product: Checking or savings account

On XX/XX/2022 I contacted Navy Federal Credit Union she I ask if I paid the money I owed them from a previous account that had defaulted would I be able to establish a new account in good graces. I was told yes by XXXX different Navy Federal employees on a recorded line. I had also spoke to server Al Navy Federal employees previously about the same matter with the same response. Yes you could re-establish your account. So after making the payment I did just that I re-established my account with my debit card being on the way. I received a phone call this morning stating I was misinformed by the agents and I could not open my account back up. I also talked to XXXX XXXX a representative for Navy Federal and was told I was able to now open an account. I was offered a settlement account from them but was told if I wanted to re-establish I had to pay the amount in full. I spoke to the supervisor is morning and she stated there was nothing she could do but close the account that had already been backed open by their representative.
Product: Money transfer, virtual currency, or money service

Albert has unauthorized deductions on my account several times and several weeks in a row. One week they apologize for a system failure and the next week they take back the refund plus more.

Albert is a scam and I hope this place gets shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 o 2 states. I have the right to privacy 15 USC 1681 section 6 O 4 a section 2. A consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

I have a friend who I routinely lend money to, and they quickly pay me back. So When I got a message from them asking to borrow {$200.00} I thought nothing of it. Unfortunately, my friends XXXX account had been compromised. 

In this message, they asked me to send {$200.00} to XXXX XXXX on Venmo. I asked about the different name and they said they were a friend and their accounts were locked up. This seemed fitting with my friend so I didn't consider it was fraudulent. 

It was only after Sending {$200.00} from my Venmo account XXXX XXXX to XXXX XXXX that I was made aware of the Fraud. 

I initially filed a complaint with venmo and they said " Hello XXXX, Unfortunately, based on the information you've provided, it sounds like the person you were transacting with did not fulfill their end of the transaction. For resolution, we recommend that you reach out to the recipient of the payment, as we are not able to provide reimbursement or mediation in this instance. '' Since that did not work. I filed a complaint with my bank XXXX who is backed by XXXX which is a FDIC insured organization. This is what they said. 

" Hi XXXX, We understand how frustrating transaction errors can be. Unfortunately, we are unable to file a dispute unless a billing or merchant error occurred. Since you initiated the transaction and it was executed accordingly, we are not able to file a dispute claim on your behalf. '' I just need my {$200.00} back.
Product: Credit reporting or other personal consumer reports

Initially my mortgage was with XXXX XXXX and was sold to XXXX XXXX, without my consent or knowledge. I had my mortgage payment set up on automatic payments and when they did the switch they failed to switch the banking information and they failed to notify me via mail or email of the new mortgage. Because I usually carry a high balance on my checking account and dont have constant payments set up, I do not check my bank account on a monthly basis, usually I check it every 2-3 months. On XXXX, I noticed that my mortgage was not being withdrawn from my account. I called XXXX  XXXX and they said they no longer had my loan and provided me with the new mortgage institution name. I called them several times since I did not have a loan number or any information to go by, they were giving me a hard time to pull up my information with my social. Finally I got through them and notified them that I did not receive any documentation of my loan switching to their bank XXXX. I also notified them that I was not receiving any mail, statements or bills. I scheduled a payment in XXXX with their phone system, and asked them if they could set up on automatic payments. Again, in XXXX, I called them to notify them that I still had not received the documents in the mail or email, at that time I scheduled another payment with them, since their online portal was not allowing me to set up automatic payments. I had to call numerous times because I couldn't set up an online account and I couldn't set up the automatic payment. At that time, my grandfather passed and I had to travel outside the country for the funeral arrangements. I left my husband in charge of any bills/mail. Since I had just talked to them about the missing documents, I was expecting to receive them in the upcoming weeks. Due to my circumstances, I did not have the head to think properly and follow up with XXXX again. XXXX has written documentation that I was having issues with not receiving their mail and they didn't even have the courtesy to call me days after my payment was missed. My husband was responsible for any incoming mail. Should they have called or mailed something, we would have paid right away. When I arrived in XXXX, I noticed again the mortgage didn't come out. I called again to notify them and ask why they didn't mail us the proper documentation. I reached out several times in XXXX and XXXX to request the removal of the derogatory late payment, I have never had a late payment before and my mortgage has always been set up on automatic payments. I did not authorize my mortgage lenders to change, and it truly isn't fair how mortgage lenders can just dispose of you as they please without even notification or approval. Not only has this brought so much emotional distress, it has also caused my business to suffer. We have over XXXX individuals/contractors/employees who truly depend on me and this derogatory late fee is causing so many problems that you can't even imagine.