23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and XXXX XXXX  with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX  XXXX A Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number XXXX XXXX Account Name : XXXX - XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I purchased a sofa from XXXX XXXX XXXX online and used my Navy Federal XXXX credit card and the charge hit my account on XX/XX/2022 in the amount of {$1400.00}. The sofa was delivered on XX/XX/2022 and was defective. The retailer asked that I accept the delivery and they would correct any issues so I let them know what the issues where, 1st, the material was pulled away from the back of the sofa and 2nd, the entire back was loose and visible moved when you sat down and creaked loudly. After several weeks of going back and forth with the retailer, they offered {$95.00} to fix the material that was pulled away and did not address the loose back only to say the humidity can cause that which is completely untrue. At that point, I contacted Navy Federal to dispute the charge. I completed all the information necessary and Navy Federal did credit me back the {$1400.00} on XX/XX/2022 and said they would wait to hear back from the retailer. I then saw where the funds were charged back to my account again on XX/XX/2022 so I contacted Navy Federal and was told that the retailer provided information stating I did not follow their 7 day return policy ( which in not true ) and that Navy Federal would send me the retailers response and that I could appeal it and hopefully get my refund since I have a broken sofa sitting in my home. That was the last I have heard from Navy Federal and of course they still have the charge on my account, they just stopped communicating with me and of course I'm sure there are time limits on these appeals and it looks like I'm going to be stuck paying for a broken sofa and no one will call me back or give me any guidance. I've contacted the retailer with no luck, the manufacturer with no luck and most importantly, Navy Federal with no luck. I even sent Navy Federal a letter addressed to their XXXX, XXXX XXXX on XX/XX/2022, again with no response. Please help!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 l walked into the XXXX XXXX store located at XXXX XXXX XXXX and went to the customer service desk. l sent money to XXXX in XXXX, XXXX, using the Western Union service, to my sister in law. That money supposed to be used for expenses at the hospital for the XXXX of my mother in law. The amount sent was XXXX U.S. dollars. 
Unfortunately the money never was received by my sister in law, who was in charge of receiving the money on the same date mentioned above at XXXX XXXX. After 25 minutes, the money was processing but my sister in law never received the money. She called me and said that she never got that money and that they just told her to check the tracking number and come back the next day. When she did they told her " Sorry but this number does not exist in our system. '' I walked into XXXX XXXX store again to explain the issue. They tried to call Western Union but they never answered. I  told the person who was attending me that I was calling Western Union customer service for almost the whole day and nobody answered me as well. It is unfair that no one answered for the entire day. That's why l called the Consumer Financial Protection Bureau. Thanks to the person who answered me and told me what to do in order to receive my money back.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 account name XXXX XXXXXXXX XXXX  Account number XXXX date open XX/XX/XXXX 1 account name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX Account number XXXX XXXX open XX/XX/XXXX XXXX Inquiry name XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry name XXXX Inquiry date XX/XX/XXXX XXXX Inquiry name XXXX XXXX Inquiry date XX/XX/XXXX - [ ] 15 U.S.C 1691 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint since the other complaints were closed without taking full action, as I requested. For one -- I've included my driver 's license and SSN card so that we can get my name straight on all 3 credit reports ( not what you think it is, nor what you wish it to be! ) This has been an issue with you for over 5 years, as I've asked you countless times to have this updated and remove any entries that are not accurate and reflecting my correct name. 

Additionally, I would like to know why my credit report is taking such a huge loss of points ( 55-60 points ) for 2 accounts that have outstanding pay history? Not only that, but it looks like every few months you all have been taking points for the same account ... One month you take my score down 20 something points for a $ 1- {$2.00} increase and then the next several months there is no change? In less than 6 months my scores are taking a hit for the same account? That has a paid on-time status?? Can you please explain the formula used in decreasing/increasing credit scores and why this would be happening every several months? 

Attached are just a few of these entries/changes.
Product: Credit reporting or other personal consumer reports

XXXX and MIDLAND CREDIT MANAGEMENT has continuedly reported inaccurate information, purchased and sold my personal information violating my privacy under 15 USC 1681 ( a ) ( b ), I did not grant permissible written instruction to Midland credit management to report under 15 USC 1681 ( B ). They continued to report adverse items other than convictions of crime under 15 USC 1681 ( c ). Committed identity theft by using my personal information without my authority under 12 CFR 1022.3. Midland credit management and XXXX also violated compliance procedures under 15 USC 1681e. Reporting information Soley as to transactions or experiences and reporting transactions history is illegal under 15 USC 1681a ( 2 ) exclusions. Under 15 USC 1681n XXXX and Midland credit management willfully failed to comply with my request and is liable for damages to me. 
Midland credit management and XXXX continued to violate me even after my initial complaint and continued notices under 15 USC 1681s-2 ( 1 ) Prohibitation ( a ) Both had knowledge of errors and inaccuracy, yet they still continued to report them claiming that it was verified. Neither XXXX nor Midland Credit Management provided required notice to me of my rights to privacy under 12 CFR 1016.4 and 12 CFR 1016.7.

Furthermore, violating 15 USC 6802 ( a ) ( b ) by providing my personal information to nonaffiliated third parties without providing me with proper required notice. 

XXXX XXXX XXXX XXXX XXXX XXXX use of your report XXXX Credit Bureau XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX your report MIDLAND CREDIT MANAGEMENT XX/XX/2023 XXXX Feedback provided
Product: Mortgage

I recently applied for credit and to my amazement, saw that you are still reporting me as being late -- even though in XX/XX/2016, a representative from Suntrust agreed I had never been late, said the fault was Suntrust 's, apologized, and assured me Suntrust would clear the errors with the credit bureaus. 

Explanation : When I purchased my home, my loan payment was {$1200.00} then it adjusted to {$1700.00} in XX/XX/2016 without notice. I never received notice that it changed. I made my payment on time each and every month, but because of the amount Suntrust accepted the payment but did not credit the account, my payments were not properly recorded. Nobody said anything about a different payment in the branch. I visit the branch and make every payment. Then to further mess things up, Suntrust put one of my payments toward extra principle balance and reported me late on top of it!
Product: Credit card or prepaid card

XXXX charged me {$1500.00} incorrectly. They said they refunded me {$65.00} on XXXX. Citibank wont give me my credit back
Product: Credit reporting or other personal consumer reports

I have been calling an writing to the company since XXXX of 2023 agents continue to hang up on me now they have blocked me from logging into the online account an everytime I call they hang up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

Applying to Equifax for my free credit report ( initiated at XXXX XXXX XXXX ) Equifax requires me to file a paper form saying " Online Delivery Unavailable ''. 

It has been my experience that the credit reporting companies are repeatedly requiring me to " jump through hoops '' to get my free credit reports when they have no valid reason for the extra steps. I have seen this multiple times with the big credit reporting companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$600.00} Credit limit {$600.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$200.00} Account number XXXX  Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$110.00} Credit limit {$120.00} Account number XXXX Date opened XX/XX/XXXX 2021
Product: Checking or savings account

I was at work, and I notice that the Cash App icon was going off on my phone. I immediately check my bank account, and it was in the negative {$1500.00}. The hacker took all my money in my account, and they denied my claim. I am living off credit cards which are due soon and my bank account is suspended until this get resolved. I need help filing a lawsuit against cash App.
Product: Credit reporting or other personal consumer reports

This is one of 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Equifax failed to take action with sending all below inquiries to them as fraudulent I also sent proof of previous FTC report, social security card, drivers license, And W-2. Equifax is also keep inquiries on report that are past XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These late payments are inaccurate and I've tried to get them removed various times throughout the years with no resolution from XXXX XXXX. The late payments are : -60 days past due as of XX/XX/XXXX, XX/XX/XXXX -30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Per USC CODE 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' I did not receive any statements, rather mail or digital mail / email within 21 days of my statement.

These late payments should removed or updated as current / positive status on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX/XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

On XX/XX/XXXX I bought a prepaid vanilla card to buy ski tickets it would not process so i called vanilla multiple times trying to activate or get info on my card to use it on the loon mountain resort site the card will not process no matter what solution I find
Product: Debt collection

On XXXX, I sent a letter to MIDLAND CREDIT MANAGEMENT for Method of Verification for the negative collection account on my credit report. I asked for ALL information including documents to show the debt. 

In early XXXX, a letter dated XX/XX/year>, was received from XXXX stating the information was listed for the account. No documents supporting the information was provided. Only dates, the original creditor, open and close date and the amount suspected as the debt amount of {$1300.00} listed out in a spreadsheet format. 

On XX/XX/XXXX, a response letter was sent to XXXX stated that the information was " being rejected, denied, and sent back due to evidence of fraud. For a debt claim to be valid and enforceable, consent from all involved parties is requiredI have not entered into any agreement with your company. Furthermore, merely presenting evidence of a debt does not establish a right to collect on it. If you are operating under the assumption that you have implied consent, please be informed that such implied agreement is now contested and any assumed consent is declared null and void due to fraudulent implications. Further, the Fair Debt Collection Practices Act does not provide you with the authority to force me to consent to contract with you. Show me your lawful authority to enforce an alleged debt claim against me to my detriment without my consent. 
You might be also in violation of the Fair Debt Collection Practices Act by the use of misleading representations and unfair and deceptive practices in the attempted collection of a debt. 
In the event you can not substantively answer within 15 days and either prove your authority or prove a specific contractual obligation between you and me, then cease and desist and immediately remove any derogatory reporting to the credit bureaus. '' After I request proof of authority, I was then threatened with Legal action letters to force me into a contract agreement by verbally contacting them, which I did NOT or to respond to the letter. This is stressful and harrassment for a debt that is old yet, the continue to send letter of legal action instead of showing proof that they can even collect with authority to force me to. 
Lastly, the stress this is causing me because I questioned the debt on my credit is more than anyone should have to deal with from a debt collector that can not show me documents according to my right set forth by the FCRA. 

I am prepared to file a suit and contact the Attorney General if it is required. 

There has been no activity for over XXXX  years and XXXX is attempting to re -age this debt in order to collect.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
This is a deprivation of my rights and a violation of my privacy, as well. 
This is a violation of 15 U.S. Code1681g ( a ) ( 5 ), 15 U.S. Code 1681b ( 2 ), and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized and/or fraudulent credit inquiries listed without my expressed written consent. 
XXXX XXXX XXXX XXXX {$200.00} XXXX ) XXXX XXXX {$180.00} XXXX ) XXXX XXXX {$1000.00} XXXX ) XXXX XXXX {$230.00} XXXX ) XXXX XXXX {$150.00} XXXX ) XXXX XXXX {$640.00} XXXX ) XXXX  {$370.00} XXXX ) XXXX  XXXX XXXX {$940.00} XXXX ) XXXX XXXX {$3000.00} XXXX ) XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$410.00} The only name that should exist is XXXX XXXX XXXX The only address that should exist is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have filed a Fraud case with the FTC regarding a victim of Fraud. It started with two deposits as of XX/XX/XXXX with an ACH several deposits came after that but the one that froze the account was on XX/XX/XXXX of {>= $1,000,000} in a wire that needed to be verified by the sender which was not able to be verified. The account funds were reversed eventually, and the accounts were closed. I was told by the Bank Fraud Security Department, and they were not able to provide me with information and provide them with information. 

I was told to speak with my business banker which I reached out to her today XX/XX/year> via e-mail.
Product: Debt collection

AD ASTRA RECOVERY SERV Reports that I owe XXXX to their company due to a unpaid payday loan from 2016. In XXXX, I asked AD ASTRA RECOVERY SERV to validate the debt and provided my mailing address. In the paper work attached it just show loan amounts there is no signature nor ID attached to the document proving that this is my debt. AD ASTRA RECOVERY SERV is still asking my to pay this debt and its on all three of my credit reports.