23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my Experian credit report & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records and attach a copy of the identity theft report ( FTC report # : XXXX. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX changed the status of an old account from closed to open as retaliation of my dispute i XX/XX/XXXX. also the information they provided as proof of debt is not sufficient, I requested copies of any charges I made with said car, and all they have is an old letter from XX/XX/XXXX from the original creditor telling me that I am 6 and 7, months behind on the account and that it is charged off. this does not verify it is my account and the same letters are showing the account as being charge off, yet no evidence that I used this card or have knowledge of it as I currently have accounts with XXXX XXXXXXXX. So it is reporting by XXXX as open yet on my credit file in XX/XX/XXXX and XX/XX/XXXX they reported it as closed, so now they are trying to retaliated against me as they he promised to cease all collection activities on this account thus as it is uncollectible it should be reported as closed as it was before I disputed it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the paperwork showing this with the FTC report was sent to the credit agencies. They did not attach this paperwork to my disputes according to the FCRA and did not send me copies of the verification process.
Product: Debt collection

I did not have a least at XXXX XXXX XXXX XXXX when I moved out of unit XXXX I was told that she meaning XXXX would walk the apartment and submit a request for a refund for my Deposit since the unit was in really good condition after I had clean it and returned the keys before XX/XX/2019. I gave XXXX my forwarding address XXXX XXXX XXXX Tx, XXXX. I was told I did not owe anything and I do not have a balance with XXXX XXXX XXXX. I even got XXXX to write me a letter saying that I did not have a balance. I never heard from XXXX and I wanted my deposit back after a few weeks I called and left several messages and XXXX never replied. I tried to apply for another apartment and I was denied approval because XXXX had put false information on my credit report. XXXX signed a least with another resident for unit XXXX on XX/XX/2019. She reported that I owed {$700.00} for the same month. I asked XXXX what happen to you refunding my deposit? She did not answer. I have never gotten a bill from this apartment complex until I applied at XXXX XXXX  in XXXX they do a background check with XXXX XXXX. Currently, I am XXXX  because of false information being reported.XXXX need to provide a least that starts on XX/XX/2019 or the false information should be taken off my record.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a phone call from Compass Bank asking if I made purchase for {$560.00}. I said no, they replied that it was fraud and they would decline the charge. I noticed the charge was on my bill. I called and they said there was no report of this being fraud. I tried to set up an online account and there was already one set up with a password by someone else. I called again and they shut it down and filed the fraud complaint again. The charge was never removed so I called again. Once again they said the fraud was not registered. I went to the bank and spoke with XXXX XXXX XXXX. She also said no fraud was registered and submitted one again while I was there and sent me a confirmation email on XX/XX/XXXX. As of today, XX/XX/XXXX the charge is still on my account.
Product: Money transfer, virtual currency, or money service

Greetings, On XXXX XX/XX/year>, XXXX XXXX unlawfully withdrew {$110.00} USD from my account via PayPal. 
My receipt number : XXXX I did not authorize this transaction. This is a criminal act. PayPal uses two-factor authentication for every transaction. In this case, PayPal did not send me a security code via SMS, which allowed the money to be withdrawn from my account. Therefore, I hold PayPal partially responsible for this crime. XXXX has already scammed many people, and PayPal is well aware of these cases yet has done nothing. 

Of course I complained to both companies and asked them to investigate the matter. XXXX did not respond to my emails and Paypal did not investigate it thoroughly enough. They did not present me with evidence, they simply closed the case. I was not even given the option to appeal. What kind of procedure is this? What kind of customer service is this? 

On XXXX XX/XX/year>, I purchased 3 courses from XXXX for {$2.00} USD. During the purchase, XXXX never mentioned that I was subscribing to a plan costing {$110.00} USD. I did not subscribe to anything. I purchased three courses for {$3.00} and did not authorize any additional subscription. There is no proof that I approved this subscription because I did not. They can not prove otherwise. 

XXXX lures people in with low prices ( tempting offers such as a course for just {$1.00} ) and then charges {$110.00} USD, claiming its for an annual subscription. XXXX uses dark patterns ( deceptive marketing practices ). They are criminal. 

For this transaction, PayPal disabled two-factor authentication security verification. How is that possible? Two-factor authentication is the most important and effective security tool. I did not authorize the disabling of two-factor authentication, yet they disabled it without my consent. This is why I claim that the {$110.00} USD was stolen from me by XXXX XXXX, with PayPal acting as an accomplice. 

I am filing a complaint against PayPal and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting inaccurate information that as a result has not been updated as it needs to be and is affecting my XXXX and XXXX Credit Reports as it pertains to the following information and fraudulently accounts : 1. XXXX XXXX XXXX {$22000.00} 2. XXXX XXXX XXXX XXXX ( XXXX  ) {$5000.00} 3. XXXX XXXX XXXX XXXX ( XXXX ) {$86.00} 4. XXXX XXXX XXXX XXXX ( XXXX ) {$1500.00} 5. XXXX XXXX XXXX XXXX {$5000.00} 6. XXXX XXXX XXXX XXXX {$5.00}, XXXX 7. XXXX XXXX XXXX {$2600.00} 8. XXXX XXXX XXXX, XXXX {$730.00} 9. XXXX XXXX {$3200.00} 10. XXXX XXXX {$1500.00} 11. XXXX XXXX {$1300.00} 12. XXXX XXXX   {$330.00} I have letters for majority of the items listed that state this were not my accounts and that they were opened fraudulently in my name without my consent and knowledge in which to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Clarifying my address XXXX and ss # for credentiing must respond or legal action will proceed. Also calling my family members to verify my information
Product: Credit reporting, credit repair services, or other personal consumer reports

There are collections account reporting on my file that i have no knowledge of. My XXXX  was using my information i have already disputed numerous times with these companies and they can't provide me any signed documents and some even have my incorrect information such as my name spelled wrong and incorrect drivers license number. 
Companies are : XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX{$1.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Last reported XX/XX/XXXX{$2000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Last reported XX/XX/XXXX {$3900.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$410.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor DEBT RECOVERY SOLUTI Last reported XX/XX/2022 {$2900.00} Open balance XXXX
Product: Credit card or prepaid card

I received a Synchrony Home Credit Card for furniture purchases I made at XXXX XXXX XXXX a couple of years ago. I have been making steady ( automatic ) payments of $ XXXX/mo since that purchase ( my principal balance is down close to {$1000.00} ). In XXXX of XXXX, my payment apparently arrived 2 days late ( due XX/XX/XXXX, credited to my account on XX/XX/XXXX ). XX/XX/XXXX was a holiday. I was charged a {$29.00} fee ... which was later credited back to me. 

In XXXX of XXXX, my payment apparently arrived 1 day late ( due XX/XX/XXXX, credited to my account on XX/XX/XXXX ). I was assessed a {$40.00} late fee. I don't believe I was made aware of this late fee. This changed my minimum payment due to {$130.00} ( $ XXXX {$40.00} ). 

In XXXX of XXXX, I made my standard payment of {$93.00} on time ( credited to my account on XX/XX/XXXX ). Because I didn't pay the full {$130.00}, I was assessed another {$40.00} fee + {$2.00} interest. This has changed my minimum payment due in XXXX to {$170.00} ( $ XXXX $ XXXX $ XXXX {$2.00} ). I happened to notice this pattern recently. I called Synchrony Home this week ( on XX/XX/XXXX ) and was told that because I had been credited the {$29.00} fee in XXXX, there was nothing that could be done. 

I don't believe it is fair to continue to charge {$40.00} late fees every month, and now interest, when I am making the payment that I believe I owe. I am now being held hostage by Synchrony Home in that if I don't pay {$170.00}, I will be charged another {$40.00} late fee. 

Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 602a there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and partiality and a respect for the consumer 's right to privacy 15 USC 1681 604a section 2 subject to subsection c any consumer reporting agency May furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates 15 USC 1681 section 281 reporting information with actual knowledge of errors of person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Product: Checking or savings account

I am writing to file complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds to cover transactions when transactions were authorized. I was charged fees due to lagging posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practice, 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: Debt collection

Midland Financial ( Case number : XXXX ) stated they were closing the account on XX/XX/2016 and as of today they have not closed or advised credit bureaus. This still shows on all three credit bureaus. They need to follow through and close it as they stated they would.
Product: Credit card or prepaid card

Last month 's statement had a note stating that I was now enrolled in Online/Phone payment option ( see attachment ) and that no envelope was included. I did not ask for this .I always pay by mail. The carefully crafted wording does n't say who enrolled me in this new payment option.I feel like this is a high pressure move mixed with false or misleading advertising. XXXX Shades of XXXX?
Product: Debt collection

The company- XXXX XXXX- continues to contact me after asking to not be contacted. They call me 2-3 times a day, sometimes 5 days a week. They have refused to validate the debt as well as refused to correct any information on the account. I sent in a letter asking for debt validation, requesting settlement and even asked for corrections to the debt for accuracy. They are falsely charging interest on a rental debt despite my contract and Washington state law preventing it. They also have incorrect information and refused any documentation to update and resolve the issues. It has caused tremendous stress because they refuse to listen, threaten you with lawsuits and constantly tell you you're lying when discussing the situation. It is horrendous. I have sent in letters via mail, email and even tried discussing over the phone. I was called a liar and then continued to have my phone called in what felt like a robocall fashion.
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 names shown below along with part of the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above accounts have 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. 1681 C. ( 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Federal Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} TransUnion : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/XXXX I opened an online checking and savings account at Bank of America. 

XXXX minutes later I received an email stating that the account had been approved and that I had 30 days by which to visit a local banking office and deposit funds in to the account. 

On XX/XX/XXXX I visited Bank of America XXXX XXXX and at the counter deposited XXXX checks totaling {$18000.00}. I asked that {$9000.00} be deposited in checking and {$9000.00} be deposited in savings. The teller at the counter asked me for XXXX forms of identification, which I provided, the teller took my Ids made photos copies and then asked my to sign the deposit slips and other paperwork. The teller then informed me that because the account was new that a hold would be placed to the checks until XX/XX/XXXX. I stated that I understood, wished them a XXXX XXXX XXXX and left. 

On XX/XX/XXXX I received the Bank of America debit card in the mail and when I attempted to activate the card I was told that the card account was unavailable and did not exist. 

On XX/XX/XXXX I attempted to deposit some checks using the mobile app and was unable to. I was then prompted by the app to call Bank of America and set up mobile checking deposit. 

On XX/XX/XXXX I called the number provided and was told that my account had been flagged as fraudulent and was closed because Bank of America could not verify my identity. As a former XXXX XXXX XXXX XXXX  XXXX XXXX Agent, and now a XXXX  I have never had any trouble with any institution being unable to verify my identity. 

On XX/XX/XXXX I was informed that Bank of America had closed my account on XX/XX/XXXX less than XXXX hours after I visited branch XXXX and deposited {$18000.00} on XX/XX/XXXX. 

Bank of America successfully cashed both checks and withdrew the funds from the Government XXXX XXXX XXXX XXXX on XX/XX/XXXX and then proceeded to close my account on XX/XX/XXXX. 

On XX/XX/XXXX Bank of America notified me that I should be receiving my funds in XXXX to XXXX weeks by mail in the form of a cashiers check. 

Every person I spoke with was extremely dismissive, unprofessional, and completely lacked any knowledge or ability to help me in any way. It was extremely evident to me that the employees at the Bank of America were simply reading back to me what they were looking at on a computer screen.
Product: Mortgage

I call specialized loan services and ask why is there a late payment showing on my credit report. i did a refinance and we was closing escrow and suddenly there was a late payment reported. lender told me not to make the payment because we are closing escrow. Now i cant refinance the rest of the property with a score damage. XX/XX/2019 in the amount of {$2400.00}.
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. 

XXXX, XXXX XXXX, ( Original Creditor : ) XXXX, 15 U.S.SC 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I went to the Iconic Motors company on XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX to purchase a used car with cash. XXXX XXXX assisted me with this matter but he also tricked me into giving him my personal information by filling out an application and using that application without my consent to have my credit ran for financing a vehicle. There was two vehicles I was looking at that just came in because 2 people traded in those vehicles 2 days prior to me arriving. I wanted to know the prices on them. XXXX XXXX stated that he would have to speak to his manager first. He left and came back and told me that if he doesn't sell them to the public they will have to sell the vehicles to a whole seller. I really wanted the XXXX XXXX. He stated he will call me back with a price. I called XXXX XXXX constantly for 2 weeks until XXXX XXXX called me back with an answer stating that they sold the cars to the whole seller. On XXXX, I checked my credit reports and contacted each credit reporting agency, I found out that my credit was ran by 4 different companies so I sent XXXX XXXX a notarized, signed document demanding an investigation and remedy on XXXX to XXXX XXXX XXXX. I was simply ignored. I contacted XXXX XXXX XXXX the XXXX XXXX XXXX Chamber of Commerce and he ignored me. I was constantly trying to resolve this issue with XXXX XXXX but I was discarded.