23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Since I open the account with Navy Federal I had several Fraud or misuse that was allowed by Navy Federal Credit Union they are not protecting my account nor keep the account secure Home Shield charge my credit card without my authorization claiming that they have card number on this can not be true because had my card change several time prior to this unauthorized charge of {$68.00} so how did they get the card number. Please review my account XXXX make sure charges and fees are apply correctly and the Credit Union is working within Federal Government Regulation
Product: Credit card or prepaid card

FRAUD on my Credit Card account with Capital One, XX/XX/XXXX and XXXX, XXXX for the amount of {$210.00}, XXXX and XXXX total XXXX dollars. Capital One notified me of unusual active within my account. They inform me that they would investigate on XX/XX/XXXX. A refund was credited back on my account in the amount of XXXX. On XX/XX/XXXX the amount was rebilled to my account for the same amount {$750.00}. On XX/XX/XXXX I received a letter from Capital One informing me of the following facts : We incorrectly applied XXXX to your account. We discovered this error, and will fix it and show it on your next monthly statement. That was the total amount of XXXX that took place in XXXX, {$1200.00}. The amount that is still showing is {$750.00}. On XX/XX/XXXX I called once again and they apologized. And again my account was re-credited and rebilled on the same day. On XX/XX/XXXX I placed another call and was told that they did not understand why the error keeps occurring. Capital One admitted that the corrections where not done properly and assured me that it would not happen again. I have attempted to correct this account since XXXX. Because of the fraud and Data Security Breach that took place within this company XXXX, XXXX, it has been problematic to obtain a pay off on this account. This has caused me to pay addition interest on my account.
Product: Credit reporting or other personal consumer reports

My account with REGIONALAC was never late! I have had exceptional payment history with XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. REGIONALAC Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting 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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX 2023 XXXX XXXX XXXX Inquired on XXXX XXXX XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

The repeated nature of these calls has become disruptive, and I am requesting that they cease immediately.I kindly ask that you review the account and adhere to the guidelines set forth by relevant consumer protection laws.
Product: Money transfer, virtual currency, or money service

XXXX / Coinbase missing {$25000.00} wire transfer my XXXX file # Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST On XX/XX/XXXX I made a wire transfer from my Bank account to my XXXX / Coinbase account. My money arrived on the same day to XXXX bank and as of this day XX/XX/XXXX XXXX has not credited my account. 

I have called XXXX and coinbase several times and have several emails from the customer service department stating that the finance department will get to in at some time. 

I asked them how long this would take one week or 1 month and they would not give me an answer. 

XXXX clearly advertises same day wire transfer availability and at this point it has been 21 days that XXXX has had my money and will not credit my account. 

Please see my wire transfer XXXX file from my bank showing that XXXX received my money of XX/XX/XXXX and emails from XXXX acknowledging my complaint with no resolution from finance department. 

My XXXX case file # Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : XX/XX/2020 A hard inquiry was made by XX/XX/XXXX for your credit file. 
XX/XX/2020 A hard inquiry was made by XX/XX/XXXX XXXX  for your credit file. 
XX/XX/2020 ( qty=3 ) 3 soft inquiry was made by XXXX XXXX  XXXX XXXX for your credit file. 

My credit was locked, I don't know what happened with equifax. 


XXXX XXXX XXXX XXXX : Some One change my Mailing Address : Correct Mailing and Residential address : XXXX XXXX XXXX XXXX, XXXX fl XXXX. 

fraud Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I suspect someone at this address ( XXXX ... GA ) is involved in fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My due date is the XXXX & close date is the XXXX for XXXX Last month equifax reported INCORRECTLY & they did it AGAIN just prior to midnight dropping my score 36 points! More than last month. I just got off the phone with XXXXXXXX XXXX and they verified that its definitely not nfcus doing. 
ALSO equifax has been pulling my XXXX  TWICE a month! DROPPING MY SCORE TREMENDOUSLY! The due date for that is the XXXX and close is the XXXX. 
Equifax has me reported at 36 percent usage and I am WELL BELOW 10 percent, in fact Im at about 5.3 percent BY CHOICE!! 
Im requesting they remove this damage to my report IMMEDIATELY! 
Ive had issues with them several times over their horrible reporting antics and I will be drafting lawsuit papers for them in the XXXX 
Consumers have rights and are protected by laws that are put in place and they have broken your guidelines and laws too many times to go without paying me what Im due.
Product: Credit card or prepaid card

PayPal credit has continued to contact me regarding a balance even though I have have not used them. In XX/XX/2019 I requested an itemized statement of charges and to date have never received anything. I have not used PayPal credit, did not buy anything from vendor listed who also is out of business and not fielding any inquiries. Bottom line is I did not carry a balance with them and they refuse to help resolve.
Product: Checking or savings account

I was in the XXXX  with XXXX. I didnt have my phone or purse for nearly a week. I get out and see my Wells Fargo savings has basically been cleaned. Money being transferred from XXXX to my debit card ( savings ) & immediately removed or used. {$120.00} at XXXX directly after a transfer. {$30.00} atm. {$300.00} atm directly after transfer. 

I filed a dispute with them on XX/XX/22 and the denied it. I dont understand. No one reached out to me. I even moved and changed my address via Wells Fargo because someone had my address. Wells Fargo should see I havent used my checking card in weeks because it was at my home. Nearly {$700.00} is completely gone. They are making me regret opening that account back up.
Product: Credit card

I have previously made a request for validation and your response, or lack of response does not comply with its closure requirements set forth by the Fair Debt Collection Practice Act. You have not provided me with any evidence to establish that I owe you any money. Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim. I owe you nothing. I now have evidence that you are creating a frivolous lawsuit.
Product: Debt collection

It 's an automatic recording from Macy 's to get a credit card. When you call XXXX you get Macy 's phone tree routing system which continues to ask for your account number for which I have none. When I finally got to a human being she had no clue why I called. She was there for receiving accounts open payments. This took over an hour to get to her. So there is no where to call to have them stop. It 's getting to be twice a day. Last week I relisted with the " Do not call list '' for both phones.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax said to CFPB that the inquiry was deleted from my consumer disclosure XXXX XXXX  that the inquiry was deleted, but they never deleted anything. They lied to CFPB and the lied to me as well. i look at the credit report on XXXX XXXX XXXX and still there.I have enclosed an attachment of the credit disclosure that still show the inquiry. take a look.
Product: Mortgage

See attachment sent from Navy Federal Credit Union escrow overpaid go reflect taking advantage have a medically retired Federal servant total 21 years 8 months include military services active and XXXX XXXX
Product: Credit card or prepaid card

In XXXX I closed my account with INDIGO - XXXX XXXX  Genesis FS Card Services with a balance of XXXX, they then sent me notification via usps mail that my account was closed with a balance of XXXX. On XX/XX/22 I received an email that a XXXX $ payment was due on the account, I then called they informed me the payment was XXXX I have called 3 times and they state there was a returned payment in XXXX that I wasnt aware of. I then asked how did my last payment go through and they inform the account was closed with a balance remaining. They would not transfer me to their fraud department, they state they dont have a record of the letter I was sent either I just need help
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXX account XXXX XXXX  XXXX
Product: Debt collection

This collection that is called Transworld Systems, with a debt of XXXX. The FCRA protects information collected by consumer reporting all agencies. It is designed to promote Accuracy, fairness, and privacy information. The XXXX XXXX XXXX XXXX XXXX  violated the law because I have no knowledge of this account nor have I ever lived there in my life
Product: Credit reporting or other personal consumer reports

I have no business or knowledge to this company and therefore Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, consumer, in fact did not consent to, authorize nor benefit from any of the following inquiries. There was no consent nor did anyone give permissible purpose for the inquiries attached pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Date : XX/XX/XXXX Dear Agency : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. 

Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my Consumer Report and noticed that the companies listed I did NOT authorize anyone employed by these companies to make any inquiry and view my Credit Report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serous breach of my privacy rights.
Product: Credit card

On XX/XX/2016 I submitted an online payment of {$7000.00} to Bank of America. Bank of America took {$70000.00} out of my bank accounts. I have tried since XX/XX/XXXX to get a refund but to no avail. I spoke to XXXX XXXX at claims to try and resolve the issue only to be told they have to wait 10 business days to refund my money. He informed me that on XX/XX/2016 that they would refund the money to XXXX the account. A letter from my bank stating that was an incorrect payment did not expedite the refund.
Product: Mortgage

As a homeowner, financial hardship was experienced. The mortgage company was contacted for assistance ( loan modification ). The initial request for assistance was over two years ago. All documents requested by the lender were submitted, but there were frequent requests for additional information. As time went by, documents needed updating. And, on multiple occasions, the full package had to be resubmitted. To make matters worst, a XXXX Sale notice was posted in XXXX. A representative at the mortgage company said this was in error and would be put on hold since a review for assistance was in progress. Unfortunately, the mortgage company dropped the ball again as the XXXX Sale was not postponed. The homeowner was able to get an extension, but as per policy this should not have happened. The homeowners are elderly and on fixed income. The time, effort and stress has adversely affected their well being. For over two years assistance was received from a HUD approved non-profit housing counseling agency. Prior to that, assistance was received from a family friend in local banking. They are now preparing to meet with an attorney for assistance.
Product: Credit reporting

Requested the following account ( XXXX XXXX XXXX XXXX ) be deleted from my credit report, and the Credit Reporting Agency has refused. XXXX XXXX XXXX has refused to verify this debt in writing as per FDCPA, despite my numerous written requests. I am attaching several copies of Certified Return Receipts sent to XXXX XXXX XXXX and XXXX XXXX XXXX ( acting on XXXX behalf ).
Product: Money transfer, virtual currency, or money service

Subject : Reporting Suspected Financial Fraud Involving XXXX XXXX  Transactions I am reporting suspected financial fraud involving XXXX  XXXX  transaction data on a financial platform, specifically Cash App. I have noticed significant discrepancies in my transaction history that suggest potential tampering or manipulation of records by the platform, which seems to be concealing inconsistencies in the amounts sent and received. 

In particular, I have multiple versions of XXXX files downloaded from my account that show conflicting data for the same transactions. These discrepancies appear to have been introduced after the transactions were completed, raising serious concerns about data integrity and potential manipulation. 

I am prepared to provide copies of these records, along with any other relevant information that may assist in your investigation. Please let me know if further details are required. 

Additionally, I would like to outline the pattern of discrepancies I have observed in my XXXX  transactions : Each time I purchased XXXX and transferred it, I believed I was sending the exact amount I had bought. However, it became apparent that a larger amount was being withdrawn. I suspect this issue began when I won XXXX XXXX  through XXXX. At that time, I was new to XXXX and unsure if I had understood the amount correctly. I later realized that the amount I believed I XXXX XXXXmight  have been altered to just XXXX XXXX. 

This issue persisted for many years without my knowledge, largely because I was unable to see these discrepancies unless I downloaded my transaction history. The recent transaction history displayed on the website did not reflect these issues. The evidence I will provide clearly shows that the amount of XXXX I intended to send or withdraw never matched what was actually deducted, with much larger amounts being withdrawn. 

Thank you for your attention to this matter, and I look forward to assisting with your investigation. 

" I would like to clarify that all the spreadsheets have been filtered to show only XXXX-related transactions. Any differences observed between the files are solely those made by Cash App, apart from the highlighting and filtering to display all XXXX transactions. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX it came to light that the Equifax Credit Bureau suffered a security breach in XX/XX/XXXX which allowed attackers to access the " names, Social Security numbers, birth dates, addresses and drivers license numbers '' of potentially 143 million customers of the credit agency. In addition, " Credit card numbers for about 209,000 consumers were also accessed. '' My personal information ( and possibly that of 143 million others ) has been compromised due to the mishandling of said information by Equifax. This is unacceptable and should have never been allowed to occur on such a scale.
Product: Credit card

On XX/XX/XXXX, my personal data from my credit card ending in XXXX from the Mercury Card Bank was used without my authorization and with some type of device at the XXXX supermarket at XXXX XXXX XXXX XXXX, XXXX Fl XXXX for a total of {$1000.00}. Minutes later, a message arrived on my cell phone indicating that my credit card had been activated with the same ending XXXX and XXXX, which I had had for a year. 
The same day, XX/XX/XXXX, the claim was registered with the bank, hoping that immediate action would be taken, and despite being outside the area of the crime, the bank vilely indicated to me that if I had the card in my possession, it was not possible for it to be copied, thus removing all responsibility from the entity to which it belongs. 
They determined that the case had been closed on XX/XX/XXXX for the second time by sending me a letter where they again indicated to me that if the card was in my possession there was no way that a third party had used it. 
After several calls to the bank and even requesting that they contact a supervisor in a mocking manner they let me know that there was no other action to take, they blamed me unfairly, with few words I was called a liar and a thief for not properly investigating the situation, causing a nervous state since I am a low-income person and it is not fair to pay for another 's crime. 
Case Amount : {$1000.00} Merchant Name : XXXX XXXX Transaction Date : XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Source Receivables Management located at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Has been trying to collect on 1 alleged collections that they have placed on my CONSUMER REPORT WITHOUT MY CONSENT. I have tried multiple times to get the off my consumer report and this is stopping me from getting any kind of funding to help support my family and this collection is causing household issues.
Product: Mortgage

First of all, my first complaint was closed and never resolved. The mortgage company has successfully tanked my credit score and any future my family and I had. The fact that a mortgage company ( or ANY company ) has the ability to financially ruin a person is morally and ethically wrong.