23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt amount of {$8400.00} for XXXX XXXX XXXX Apartments is listed on my credit reports and the opening date is listed as XX/XX/2021. I have been residing at the same address for over XXXX years, and I am still in the same place. The company is not responding to my calls for information given to get into the apartment for verification of who used my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named XXXX XXXX is reporting an account on my EXPERIAN, XXXX AND XXXX consumer report. XXXX XXXX Code XXXX disclosures thats financial institution may not directly or through and affiliate ( EXPERIAN, XXXX, XXXX ) disclose any personal information. I did NOT give and written communication to report any such information. XXXX XXXX appendix XXXX states that a company must displace notice of reporting information ; that was not provided. XXXX XXXX code XXXX states without my consent the consumer may not communicate in connection with any debt.
Product: Debt collection

I was contacted on my personal cellphone number for someones debt that was not mine. They would not provide how they got my number.
Product: Credit card

IVE APPLIED FOR AN AMEX CREDIT CARD ONLY BECAUSE I WAS GETTING PREAPPROVALS IN THE MAIL. ( 17 CFR 240.14A-12 ) ONCE APPLIED I WAS DENIED. RULE 425 UNDER THE SECURITIES ACT ( 17 CFR 230.425 ) IVE SENT THE CFO A LETTER STATING THAT I WAS HAPPY TO BECOME AN INVESTOR AND COULDNT WAIT TO WORK WITH THEM IN THE FUTURE. eligible investments means negotiable instruments, investment property, or deposit accounts which evidence : ( a ) by, the united states of America ; direct obligations of, or obligations fully guaranteed as to timely payment ( b ) demand deposits, time deposits or certificates of deposit ( having original maturities of no more than 365 days ) of depository institutions or trust companies incorporated under the laws of the United States of America. I WAS EXPECTING AN OPEN ENDING CREDIT CARD IN FAIR EXCHANGE OF THE SECURITY GIVEN AS LONG AS I HOLD INTEREST AS WELL. DUE TO THE SECURITY EXCHANGE ACT 1934 THERE WAS NO CONSIDERATION GIVEN. If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. THEY ARE REFUSING TO BARTER WITH ME
Product: Money transfer, virtual currency, or money service

My son sent me {$5000.00} for rent through venmo on XX/XX/XXXX. I had to make an account to be able to use the funds. So I made an account, the rent transfered to my venmo, and then I tried to transfer the funds to my bank on the XXXX. I was asked to send in a picture of my ID/driver 's license to verify my identity. After I sent that in, I sent another message to the dispute team asking if there was anything else they needed from me. The next day, I received a message that said my account was permanently suspended, and that they could hold the funds for XXXX  days while they investigate. XXXX messages/emails and XXXX phone calls later, and I still have no idea why this happened, when it will be fixed, or if the money will be recovered. I sent them another message stating that the money was needed for current bills, and that my electricity will be shut off if I can't pay the bill. I still have not gotten a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : XXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Vehicle loan or lease

I dont speak English I am using a translator .they are two problems with the same company, one for the GAP insurance and the other for three fines that they took from me for not having funds in my account according to them, but I have proof that the amount since it began in XX/XX/XXXX, the lowest balance It is {$1500.00} dollars and what I have to pay to Westlake is {$480.00} dollars. From the beginning on XX/XX/XXXX they charged two insurances, one from GAP and another from GAP and premium, I called for months and in a call in XXXX they told me that I could be calm down they would no longer charge that insurance and I continued paying my monthly fee until XX/XX/XXXX when I had to change banks for automatic payments, I called and made the change and found out that they were still charging me for the GAP insurance but it was accumulated months ago, so I filed the complaint a month on XX/XX/XXXX I called to ask why they had not withdrawn the money from my account, and they told me that the account was without funds and that for that they would charge me XXXX dollars, I called many times I recorded the conversations ones where they told me not to worry about sending the proof of the complaint, I sent them to the mail and the only thing they answered me was, ( you can not waive the GAP insurance, the contract says it, they never answered what they charge me for the fines of I did not pay unfairly and that the insurance will continue to collect.
Product: Debt collection

On XX/XX/XXXX my husband called to pay off the lease on his cell phone and was notified by XXXX the final amount was {$170.00} which was paid and the phone was unlocked, which is an indication that he is now the owner of the phone and free to take it to another carrier. On XX/XX/XXXX, I received a call from XXXX saying that {$450.00} was now due for the phone. I spoke to an upper manager who listened to the XX/XX/XXXX phone call and agreed that it was the error of their customer service rep. and additional money would not be owed. Today XX/XX/XXXX I received a notice from a debt collector company. Prior to this I have never received a bill or statement from XXXX for the alleged charges. I disputed the debt with the debt collection company and have spent several hours on the phone with XXXX and am being told they dont have a record of the XX/XX/XXXX conversation and now I owe {$450.00}. I have talked to multiple managers to try to resolve this issue and am not getting any resolution. I have been yelled at by XXXX customer service reps and treated very unprofessionally. I had to cancel my service with XXXX because we moved to an area in rural Alaska where they do not provide service. Since cancelling I now have been harassed with phone calls attempting to collect on a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my credit report i notice that the credit bureau is reporting inaccurate outdated information on my credit report and i had requested that this information be updated and fixed but my request has remained ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing fraudulent information to appear on my Equifax Credit Report, that was opened from a thief obtained from a thief as a result of identity theft and I am victim. They also allowed fraudulent inquiries that I have listed below, and have not blocked these fraudulent inquiries that I did not apply for. These fraudulent accounts include. 

1. XXXX XXXX - {$8000.00} Owed Personal loan opened on XXXX XXXX. This is not authorized. 
2. XXXX XXXX XXXX {$9600.00} Balance owed opened on XXXX XXXX Line of credit. 
3. XXXX XXXX XXXX  {$8500.00} Owed Personal Loan opened on XX/XX/2019. 
4. XXXX XXXX {$980.00} Owed. Line of Credit Opened on XXXX XXXX 5. XXXX XXXX  {$490.00} owed. Line of Credit Opened on XXXX XXXX 6. XXXX XXXX {$5900.00} Owed Line of Credit Opened on XXXX XXXX This account is also fraudulent. Not authorized. 
7. XXXX XXXX XXXX {$0.00} Owed Line of credit opened on XXXX XXXX Limit of {$4000.00} Closed. 

Inquiries that are fraudulent. - XXXX XXXX XXXX XXXX XX/XX/XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX  - XX/XX/2019, XXXX XXXX XXXX XXXX - XXXX XX/XX/2019, XXXX   XXXX - XX/XX/2019, XXXX XXXX XXXX - XXXX - XX/XX/2019, XXXX XXXX - XX/XX/2019, XXXX/XXXX - XX/XX/2019, XXXX XXXX-XXXX - XX/XX/2019, XXXX XXXX - XX/XX/2019. 

Information that is not Correct in my personal information. 

Address - XXXX XXXX XXXX XXXX, XXXX TX XXXX Is incorrect and should not be listed on my credit report. My address is as stated XXXX XXXX XXXX, XXXX TX XXXX. I am attaching my drivers license, and social security card, and utility bill. Please correct and block the fraudulent information promptly.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I had opened a Citigold checking account XX/XX/2016 under the promotion of receiving XXXX XXXX XXXX AAdvantage points when completing the offer terms for the account ( total of {$1000.00} in debit card purchases and successfully completing a bill pay through the Citi service for ( 2 ) consecutive months ). I confirmed with Citi on XX/XX/2016 that I was enrolled in the offer. 

I completed the terms of the offer and a month later, I contacted Citi to confirm that I have done so. Citi confirmed that I had completed the terms of the offer on XX/XX/2016. 

On XX/XX/2016 I am now told by Citi that this offer never existed. They are now rescinding away from their terms and it is now evident that Citi 's business practices are malicious.
Product: Credit card or prepaid card

I have contacted XXXX XXXX ( XXXX XXXX XXXX ) , XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX per the the Fair Credit Billing Act on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

XXXX XXXX is charging me fees and interest on defective XXXX XXXX gift cards I returned via XXXX XXXX XXXX XXXX on Monday XX/XX/2018 at XXXX and signed for by XXXX ; XXXX XXXX XXXX XXXX on Wednesday XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX ; XXXX XXXX XXXX XXXX on Thursday XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX ; XXXX XXXX XXXX XXXX on Friday, XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX ; XXXX XXXX XXXX XXXX on Wednesday, XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX. 

Unauthorized lates fees per the Fair Credit Billing Act of : 1 ) XX/XX/2018 - {$27.00} ; 2 ) XX/XX/2018 - {$37.00}. 
Unauthorized Finance Charges per the Fair Credit Billing Act of : 1 ) XX/XX/2018 - {$70.00} ; 2 ) XX/XX/2018 - {$72.00}.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX VA XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple over draft fees I 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: Credit card or prepaid card

I have two disputes with USAA 1 ) I was charged the wrong amount w/ USAA Case Number XXXX. 2 ) I was charged twice for USAA Case Number XXXX I have tried to dispute these with USAA but USAA is being negligent and not working with me. They have not called me about these cases or communicated with me in anyway, but continue to deny the claim. When I called to check the status of these claims, they advised me they were closed because no documentation. If I can not get the merchant to give me a receipt, I don't have one, and USAA can't provide one, how can they possibly continue to charge me? USAA Has made no efforts in working with ME to resolve these claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute will all three bureaus, highlighting many inaccuracies on my credit report. Transunion and XXXX have not verified ( or removed ) information pertaining to my claims. It has been over 60 days since my dispute was received and no one has corrected this error. My identity was compromised earlier this year, which is why the disputes were sent. I submitted an FTC report with police report via US mail to all 3 bureaus and they have failed to comply. This situation has been a hindrance to my credit growth. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this adverse Portfolio Recovery Collections account on XXXX, XXXX and XXXX several times as recently as XX/XX/XXXX. I do not own this account and the account information differs across three reports. All disputes have been " verified '' and the collections remains on my report. 

All Three of the Credit Reports reflect this account in collections and site 's XXXX as the original creditor. 
All Three of the Credit Reports there is no Date of Last Activity for this adverse account. 
All Three Credit Reports state " This account is scheduled to continue on record until XX/XX/XXXX for both XXXX and XXXX  and XX/XX/XXXX on XXXX. 

With the Statute of Limitations being based on the state the Original Creditor, and XXXX being incorporated in the state of Delaware, The statute of limitations is 3 years from the date of the last activity.
Product: Checking or savings account

I got a call from JP Morgan bank on XX/XX/2022 around XXXX about someone trying to add my account to XXXX XXXX.I told them it wasnt me and not to authorize it.Then around XXXX XX/XX/2022 i received an email saying that someone used my card in XXXX Florida at a XXXX  for $ XXXX.Since i live in Michigan and i was at home at the time of the transaction i called chase bank as soon as i received the notification.I canceled my card, had them remove XXXX XXXX, issue a new card and put in a claim.I phone doesnt even allow me to use XXXX XXXX because my phone doesnt support it.They told me to wait till XX/XX/2022 for an answer about there findings.I received another email XX/XX/2022 saying it was denied and they removed the money.I called chase bank and talked with multiple people about my claim including the manager, they said theres nothing they can do because it was used with XXXX XXXX.
Product: Debt collection

I contacted the debt collection agency and was unable to receive any information about the debt that was owed.
Product: Checking or savings account

I am writing to file a complaint with Navy Federal Credit Union regarding multiple overdraft fees that 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 XXXX XXXX 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: Credit reporting or other personal consumer reports

I noticed there is a hard inquiry on my Equifax credit report from XXXX on XX/XX/2023 that I did not recognize. I have never applied for anything at XXXX XXXX  nor authorized them to access my credit file. I called XXXX XXXX. According to them, they could not find anything related to my SSN in their system and asked me to dispute it with Equifax. 

I submitted a dispute to Equifax, but they got back to me saying the inquiry is factual and can not be removed. 

Even though XXXX XXXX  claimed that they do not have any application or account under my SSN, Equifax insisted that after investigation they believe it is legitimate inquiry.
Product: Credit card

I retained a lawyer due to a possibility of a student case. This lawfirm charged me a {$5000.00} retainer. 
I did not receive any legal services or have any lawsuit. The firm refused to refund my money. I filed a dispute with my credit card company, capital one stating they did not provide the services paid for. I received a temporary credit. This lawfirm disputed this and Capital One requested further documentation. I provided everything and they refused, in violation of both State Bar Law in 5 states but also Consumer Protection Law to refund the money. They sided with the legal firm and then lied and said I did NOT provide them with the documentation. I not only provided everything asked for, but now they are lying and say they didn't receive it. 

They kept, my {$5000.00} and literally stole money from me.
Product: Credit card

In XXXX of 2013, I reported to Bank of America unauthorized and fraudulent uses of my credit card. I filled out paperwork ( I have copies of everything ) and they credited my account for the initial amount. 
I told them to close my account. They did not. Subsequent month, charges of {$5000.00} from the same source were charged to my account. Given the report of fraudulent uses, they should not have allowed those charges. They are now pursuing collection of these amounts in small claims court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S. Code Subchapter III. 

My Data was breeched by XXXX. Items need to be removed. Credit Bureaus didnt not access my information with my Consent and WRITTEN PERMISSION. These items are Unlawfully and illegally reported. Delete!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had leased a XXXXXXXX XXXX XXXX through The US Bank leasing program in XXXX, i was a making all the payments and In XXXX i moved to a different address and notified the bank because i was getting my lease bills through the mail. They failed to update the information in there system and the reported a missed payment to the credit bureau because I was late. That has destroyed my credit history. I am a veteran, trying to purchase a home. I have pleaded with them and tried to explain but to no resolve.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a fraudulent account on my credit report. Despite my previous efforts and submission of evidence regarding identity theft, these erroneous entries continue to persist. It is my understanding that the failure to address this matter violates regulations governing credit reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not let me re-dispute 2 incorrect times on my credit report
Product: Credit reporting

Per previous request here is a notarized FTC affidavit, police report and I am disputing XXXX charge off entries on my consumer report with Chex Systems. I am disputing these entries with chex systems. The reported information that I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also disputing the inquiries that were associated with these accounts.