23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023 I received an alert that there was suspicious activity on my Discover bank account and to call in immediately. I called and it took about 45 minutes for them to tell me a business decision was made and my checking and savings account would be frozen immediately and I would receive a check with the rest of my funds within 10-15 business days. The suspicious activity was from over a month ago when I accidentally pressed the wrong bank account number from the drop down menu when transferring {$300.00} from my savings to my checking account. As soon as I realized what happened I deleted the old account from the account and transferred the {$300.00} from the correct savings account. The transaction was reversed, so no money was ever transferred. I have never had an overdraft fee or any other issues that would warrant such a drastic decision. I asked to speak to a supervisor who then transferred me to XXXX in the fraud department. XXXX looked at the account and said he would call back by XXXX central time after he could look into the account more and contacting the other bank. He never called back, I called this morning and same response. How am I supposed to just not have my money for 2 weeks? I am going to get charged fees from places that I have set up with automatic bill pay. I have no way to pull up my account, so I just have to take Discovers word that they returned all of my money to me? The only fraud on my account was from Discover!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate items on my credit report and the credit bureau has requested information on a XXXX XXXX XXXX. I am XXXX XXXX and no initial. the Company is Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act. 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). You are required by federal and state laws to verify thought the physical verification of the original signed consumer contract.Under FCRA, unverified accounts must be removed and if you unable to provide me with a copy of verifiable proof. 

XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX Account XXXX XXXX XXXX I was never Late XXXX XXXX XXXX XXXX Unverified Account these inquiries to avoid any confusion as I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone. 

XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I've been a customer of coinbase for over 2 years. In XXXX I deposited {$1000.00} and then I got an email saying I'm no longer eligible for coinbase. I am to sell all assets and cash out to linked bank. Well the linked bank is closed and I'vebeen waiting for a response since XXXX from support and I keep getting the run around XXXX # XXXX
Product: Debt collection

On XX/XX/XXXX LoanMe contacted me at XXXX XXXX to discuss a debt disrupting my sleep causing me to attend work that day without being well-rested. This is a violation of the FDCPA & RFDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To anyone that can rectify this situation, I feel it is necessary to let you know that that the companies identified within this complaint have completely disregarded my requests and failed to respond within the required time frame to my dispute letter from XX/XX/2020. I understand that we have a pandemic and these companies may be backlogged but at this point we are at 123 days since I have reached out to these companies. Upon research I learned that federal law requires companies to respond within thirty ( 30 ) days. I have now been waiting for 123 days for a response and have not received one. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Please address these issues with these companies and ensure they delete these items immediately or I will implement litigation due to the stress and hardship these companies have caused me. These companies have tarnished my character and my standing with creditors and I am extremely frustrated at this point. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with all three Credit Bureaus on three different occasions which were all through letters mailed out to them on XX/XX/21, XX/XX/21, and XX/XX/21. These disputes were on an inaccurate late payment that was reported on a Real Estate mortgage that was ultimately paid off. Also I disputed a slue of inquiries that weren't authorized by me. I have yet to hear anything about the results of these disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 hard inquiry was posted on XXXX XXXX, what inquiry was for and who made this inquiry is unknown.
Product: Debt collection

My name is Name, a federally protected consumer, and I am making this complaint against Recovery Management Services, for committing identity theft. I have never given Recovery Management Services, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e I have not validated any alleged debt with ( COMPANY ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Recovery Management Services any right to collect on this alleged debt.

I have never received any documentation requesting validation from Recovery Management Services, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Recovery Management Services, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Recovery Management Services
, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Recovery Management Services, continues its collection efforts, I will file for litigation for actual damages caused and Recovery Management Services, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue regarding unauthorized credit inquiries appearing on my credit reports from Equifax. These inquiries were made without my consent, and I believe them to be indicative of potential identity theft. Upon reviewing my credit reports from each of your bureaus, I discovered the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I want to emphasize that I did not authorize any individuals or entities associated with these inquiries to access my credit reports. This is a clear violation of my privacy rights and raises serious concerns about the security of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have requested for XXXX to investigate an existing fraudulent account on my credit report> I have supplied all three crediting agencies with a copy of my police report requesting for fraudulent activity to be remove. XXXX  has failed to comply with my request. I've written a letter stating that Emoneyusa Holdings LLc does not belong to me and therefore should be moved
Product: Student loan

My complaint regarding my student loans, that is now with Navient, and would like to be part of the XX/XX/XXXXclass action lawsuit against Navient. Every since they took over from XXXX XXXX  after XX/XX/XXXX I have had a problem making payment on my loans. I was able to make affordable payments with XXXX XXXX after a graduated with my XXXX in XX/XX/XXXX. The attached sheet shows total amount of my loans of approximately {$58000.00} inXX/XX/XXXXfor both theXX/XX/XXXX andXX/XX/XXXXat XXXX XXXX university. During the time XXXX XXXX had the accounts, I had no problems even when I was unemployed, they worked with you. After Navient took over, it has been horrible. Because I am a XXXX, I may work 3-6 months and when I am not employed, I would request a lower payment, however they would say that I could not get a lower payment because of the amount of the loan, and I would have to take a forbearance, which has ultimately because of the continuous interest, increased my payments to over {$800.00} a month ; which I can not afford As of last year when I was unemployed and only receiving Social Security benefits, I had to take a forbearance. The new balance for XX/XX/XXXX will be {$880.00}. Hopefully I can get some help regarding my situation.
Product: Credit reporting or other personal consumer reports

Requested that inaccurate, unvalidated " late payments '' be changed to " Pays as agreed '' or " ok '' on report. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX I assert that this reporting violates the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681a 2 ( A ) ( i ). According to this provision, this would fall under the bold-header of EXCLUSIONS, a consumer report does not include information solely about transactions or experiences between the consumer and the person making the report. Late Payments in this case would be considered as a Transaction / Experience. In this case, XXXX. Equifax and XXXX XXXX are in violation of FCRA Law. 
The inaccuracies in reporting late payments on my account, as per 15 USC 1681a 2 ( A ) ( i ), necessitate immediate correction. Ive sent a similar letter to the credit bureau listed above and have requested for the entry to be corrected to either Pays as agreed or OK. I request your office 's assistance in investigating this matter and ensuring compliance with FCRA guidelines. 
I believe your intervention will expedite the resolution of this dispute.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX XXXXXXXX My credit report shows two incorrect late payments for XX/XX/year> and XX/XX/year> on my mortgage account. I have always paid on time, and these reported late payments are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate information. I am formally disputing these late payments and requesting their removal from my report. 

The FCRA, 15 U.S.C. 1681i, mandates that credit reporting agencies investigate and correct any disputed information that is inaccurate, incomplete, or unverifiable. Under this law, Equifax is obligated to verify the accuracy of the reported late payments and correct this misinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a bankruptcy dated XX/XX/XXXX on my credit. I've disputed this information and they continue to report inaccurately without verifying the information. I included a letter from the courts stating that they do not provide information to the credit reporting agencies. I also submitted a letter from XXXX dated XX/XX/XXXX that prevents them from releasing my risk view report or scores. TransUnion concluded that the public record items were obtained from local, state and federal courts through a third party vendor XXXX.
Product: Checking or savings account

Between XXXX thru XXXX well Fargo held a check over the extended period released funds without out my knowledge then funds disappeared for XXXX XXXX then account was deemed fraudulent attempted to resolve multiple occasions
Product: Payday loan, title loan, personal loan, or advance loan

Affirm is trying to charge me {$160.00} for the month of XX/XX/year> when my loan terms state {$32.00} per month for 24 months. I have contacted them XX/XX/year> regarding this specific issue. I was opened a " Promise to Pay '' from then until XX/XX/year> to prevent this from being late, until the issue was corrected. It has not been fixed as of XX/XX/year> and I received no update. I am now late on a payment I didn't agree to. I have paid the {$32.00} minimum on XX/XX/year> per my loan terms. This random charge originally started as a random $ 200 monthly charge and they were informed around XX/XX/XXXX or XXXX and asked to fix it. It changed to a {$160.00} and is still there and I am concerned it will affect my credit score. I have tried contacting them but they always just claim they will " escalate '' the issue and nothing happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because XXXX XXXX, formerly XXXX, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. 

Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. XXXX XXXX has changed its name but its fraudulent business practices have continued right where XXXX left off. I hope that you will contact the firm and address this on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday i received an email from XXXX XXXX stating that there was a major change to my credit report. I looked into this, and there was an inquiry from something i have never even heard of. XXXX XXXX   had issued a inquiry to my account without my consent. I tried calling XXXX XXXX, and they were very unhelpful. They told me i had to call Transunion to dispute the issue. Okay, so I tried calling Transunion. Transunion told me i had to get XXXX to send me a letter of deletion so that i could then forward it to Transunion, JUST so they can remove the inquiry from my credit report.I tried calling XXXX back and they told me they couldn't send me the letter until it was disputed These are alot of hoops to jump through for someone who didn't ask for this credit inquiry, and neither company is helping me out. Each one is just essentially telling me to go to the other to make progress so there for there is nothing i can do. I did not apply for a loan or a new credit card through XXXX XXXX  and to my best knowledge, it is actually illegal for them to pull my credit report without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently recently mailed a letter of settlement towards American Express for an unauthorized inquiry to my consumer report. Today i received an email from them, saying to contact their customer service department because of the sensitive nature of my requests ( which were DEMANDS not requests. I stated the law and how my demands are backed up by the federal law and congress Title 15 Chapter 41. They did not care, they continued for 40 mins denying my rights, and saying that AMEX does not do settlements. They are in violation of the Fair Credit Reporting Act 15 usc 1681, for unlawfully obtaining my XXXX  consumer report onXX/XX/21 without my authorization or a permissible purpose under the FCRA. As a result of that they are liable for damages stated in 15 usc 1681n ( a ).
Product: Credit card or prepaid card

DISCOVER has been sending me these statements all these months with coupons attached to them and I have been paying by electronic funds transfer. The XXXX XXXX XXXX, XXXX XXXX, was set up to pay all my bills and because DISCOVER have my social security number, what is taking place is a Trust Action- with me as the beneficiary and with DISCOVER as the Trustee. As the Trustee, I would like to remind you that DISCOVER, has a fiduciary obligation to act in a way that will benefits me. 

Coupon - XXXX XXXX XXXX XXXX XXXX : Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached... 
On XX/XX/2022, I accepted the coupon offer at full value and mailed it to the proper address listed. It arrived XX/XX/2022 but my account has not been created.
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. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting or other personal consumer reports

Upon checing my credit report, I have discovered a fraudlent collection account from XXXX XXXX XXXX with the account number XXXX opened on XX/XX/year>. The account is fraudulent and I have never had any relationship with this creditor.
Product: Credit reporting

There is a problem in the way TransUnion is reporting my credit scores, which is causing me problems when trying to obtain credit. In comparing all XXXX of my credit reports, the credit history between all XXXX credit reporting agencies is consistent, but TransUnion is reporting my credit score very low. For example, both TransUnion and XXXX use the XXXX Score XXXX model, both agencies have pretty much identical credit history, yet XXXX has my credit score listed at XXXX and TransUnion has it listed as XXXX. This is causing me issues in obtaining a refinance of my house, higher interest rates etc. I fully understand that each credit reporting agency has it 's own method of generating credit scores, but there is something fundamentally wrong when the scores are this much off between the other XXXX agencies. I have attached a document showing the disparity between my TransUnion and XXXX credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My credit card ( Master charge ) was charge on XX/XX/XXXX in the amount of {$6100.00}. 
On XX/XX/XXXX, by a company called WF WAYFAR I found this charge and immediate I contact the Bank ( CITIBANK ). and fill out a dispute to this charges., I was told by them that they will deal with the merchant, I have not use this card since XX/XX/2022. I was very surprised that i did not receive any alert to this charge considering the high amount of charges. 
I also call the merchant and they told me they will do an investigation.
Product: Debt collection

I pulled my credit report from XXXX XXXX recently : I noticed 2 separate collection accounts from a company called Van Huffman collection agency. I have never done any business with them. I have never signed any contract with them. I have never given them my consent to pull my private and confidential personal credit report with XXXX XXXX, XXXX, nor XXXX. Yet, they brazenly violated my right of privacy. Then, I reached out to them demanding that they provide me proof that I ever give my consent to pull my private credit report with any of the major credit reporting agency mentioned above. Then, I demanded that they provide me proof that I ever signed any contract with them. In any case, they have never responded because they know that they have fraudulently placed 2 collections in my XXXX XXXX credit report. I demanded that they remove both negative trade lines immediately.
Product: Checking or savings account

XXXX {$30.00} overdraft fee consecutively and I reported fraud on my acct to Bank of American I was told it was something they were used to Because in Florida so many people come here to visit it as easy for people to get scammed by having there cards cloned one time I was literally at work 3 blocks from my branch bank and was charged overdraft someone was in Georgia or north Carolina had just filled there tank using a cloned card and took {$60.00} from my acct when my insurance payment was due to be taken I then had insufficient funds to pay my insurance and had to go to the bank to fix it my insurance then charged me a late fee because my funds weren't available for my payment it happened multiple times I have since closed my account there and was contacted about a class action suite I signed up but never heard from anyone since