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

I have repeatedly attempted to prevent NAVY FEDERAL CREDIT UNION from removing funds from my checking account to pay for credit debt owed to them. I am aware I am behind, as I was laid off from my previous job and have only just began a new one, but I've yet to receive a paycheck. I do not have money to spare to pay for the late credit cards. Attempts to prevent removal of funds from my checking account proved unsuccessful even after I had explained that they were taking the last XXXX dollars to my name that was going to be used for gas to make it to and from work. I was told I should have " taken a better look at the credit card policies '' by the representative. I was never informed of these collection methods as it is federally unlawful to remove funds to pay for credit cards without my authorization. But I was fooled by the fine print, I'm sure I was not the only one. I planned to pay the owed amount as soon as possible, within the month, as I have more pressing debts to pay such as rent, car note and insurance. This seems to be a bully tactic and I hope for some sort of resolution as I am now backed into a corner and can't even afford to make it to my place of employment. Attempts to stop the unauthorized removal of funds took place on XX/XX/2019 and XX/XX/2019 on a recorded line with their collection services.
Product: Money transfer, virtual currency, or money service

I have {$920.00} with blockchainXXXX in cash and have had this account for nearly XXXX years. I tried to transfer it to my XXXX XXXX account via XXXX and the system wont let me. Ive called their support line and sent multiple emails to them and there is no response. This has been going on for XXXX  months Ive tried to get my money out of this digital wallet and they wont allow me. This feels a lot like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent two letters to State Employees Credit Union letting them know that I'm a victim of identity theft and this fraudulent account on my credit report needs to be deleted. In their first response letter on XX/XX/XXXX, they told me that it looks like a credit repair company is disputing this item instead of myself so I filed a complaint against them with the CFPB, then in the response letter, they sent me on XX/XX/XXXX of XX/XX/2020 they told me to update my contact information by going to www.ncsecu.org or visit a local State Employees Credit Union branch. This is totally absurd because I am not a member with State Employees Credit Union but they're asking me to log in to my State Employees Credit Union account in order to update my address because they don't have it on file but once again I'm not a member with them so how can I go online and update my information with them if I'm not a member. Then finally in their response letter dated XX/XX/XXXX they told me that they're not going to investigate further because I have not updated my information as they told me on the letter dated XX/XX/XXXX but once again I am not a member of State Employees Credit Union. I sent State Employees Credit Union copies of my police report my FTC identity theft affidavit along with my driver 's license Social Security card a utility bill and the fraudulent driver 's license that I received from officer XXXX XXXX with my name on it but this company still refuse to delete this fraudulent account basically calling my dispute frivolous.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach. As a result, fraudulent accounts and unauthorized inquiries have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent items : Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Unauthorized Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that has led to fraudulent accounts being opened in my name. To protect my credit and prevent further damage, I am formally requesting that all fraudulent accounts and inquiries listed below be blocked and deleted from my credit report, in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts 1. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$1300.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$1100.00} XXXX. XXXXXXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$1300.00} XXXX. XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$1100.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$5100.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$580.00} Fraudulent Inquiries XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX o Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX of XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX of XXXX : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX
Product: Checking or savings account

I have 2 complaints about Experian Credit bureau. The first one is regarding a new very deceptive way of opening up bank accounts for people who are just trying to open an online account to see their reports. A quick XXXX search in this matter will show several results and complaints from other people who have experienced this, specifically in XXXX XXXX. I'm a person who reads carefully and so does my wife, but they are doing a very well job at hiding that " add on '' feature that creates a new bank account, when you are just trying to create a regular " online access account '' to see credit your reports. I don't believe a new bank account should be a hidden add-on item in the signing up of another service. I'm not sure if illegal, but it is unprofessional, unethical, and very deceptive. 

the second issue was very frustrating and after doing some research, it seems to have happened to many people in the past, and some even lost the opportunity to purchase their homes because of their unwillingness to do their jobs. Long story short, I had disputed a late payment a year ago. the dispute was closed, not to my satisfaction. I had added a remark that i did not agree with the resolution. When buying my recent property, My lender mentioned the remark would be an issue and they could not clear me to close. The number of days and hours to remove that remark from Experian, is unreal. They would just tell me to wait 24-72 hours and then nothing would happen, or they would just change the comment instead of deleting it ( example : changing " customer disagrees '' to " under investigation '' ), which is also not what a lender wants to see. After many, many days, countless hours, and many phones calls, someone finally got it right. but the amount of time I had to waste with this, should not be the case. specially for an issue that seems to be going on for a while now. FYI : XXXX fixed it right away with immediate results. and with XXXX it was a bit of a hassle also but I was able to contact an executive member via XXXX XXXX that got me the proper help.
Product: Debt collection

I recently checked my credit report and notice a account and balance that I know nothing about. I placed a dispute with the company asking for debt validation and they sent a letter stating the start date of the account, a last payment on the account, and and delinquent day for the account along with an email address thats not mine ... .. I thought debt validation is showing the original account contract with a signature not some random email address and some dates for the service account ... .. its unfair to pin a debt on a person credit report without factual proof
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 a FRAUD yet I have an Accounts 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 # XXXX. 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 XXXX Date Opened : XX/XX/2014 Balance : {$760.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, XXXX XXXX XXXX was to ONLY given permission to do a soft pull on my credit report as they ONLY ASKED for the last 4 of my social security number. This isthe only reason I did this, if I was informed it was a hard pull I would NEVER have done this. I want this hard inquiry immediatelyremoved from my Equifax report. This is a violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and I am a XXXX XXXX XXXX male I keep trying to tell these people that I didnt create those accounts I didnt even know what credit was at the time I have had family members ruin my credit because I didnt know anything about credit I have nothing that Im debt XXXX $ for it was not me and the companys wont dispute them when Im constantly telling them I have no knowledge of this account thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) have sent EQUIFAX all the required documents they requested, but they have refused to remove the freeze and send me a confirmation that the freeze has been removed.

( 2 ) They have failed to provide a free copy of my credit report
Product: Credit reporting or other personal consumer reports

Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX  XXXX XXXX I called the creditors and spoke with a representative and was told there is no information on file for me. All the creditors listed below also said they were going to send a request to the bureau 's for remove. They asked for my name and email but never heard anything from them. 
XXXX _________________ XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 STELLANTIS FINANCIAL SERVICES XX/XX/2023 CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/17 I discovered I may have been impacted by the Equifax security breach in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the my second complaint with Equifax regarding their incorrect reporting of credit information from XXXX XXXX. The first was filed on XX/XX/XXXX XXXX. XXXX. Equifax responded on XX/XX/XXXX claiming that XXXX XXXX, the creditor, had verfied that the current status, prior payment history and balance were all reported correctly. Equifax today stills shows the negative ionformation regarding years of late payments to XXXX XXXX and charge offs on my credit report. 

However, in a separate complaint I filed on the same date, XX/XX/XXXX, against XXXX XXXX. XXXX, XXXXXXXX XXXX  responded in a XX/XX/XXXX letter apologizing and admitedly it was their bank 's error that had created the entire problem and critically that I had paid my account timely and in full before ever receving a statement on XX/XX/XXXX but my check was posted to an incorrect account. XXXXXXXX XXXX  stated they had 'requested the credit reporting agencies update their records to report a XXXX balance, remove the reported delinquencies, and report the acount as " closed by the customer. ' '' See XXXXXXXX XXXX repsonse in XXXX. 

Equifax 's claim that XXXXXXXX XXXX verfied all negative information was filed well AFTER XXXXXXXX XXXX  letter admitting fault and that the reported information was baseless and inaccurate and calls into question not only the accuracy of Equifax 's response but its truthfulness as well. Equifax was provided with a copies of the front and back of my check to XXXX XXXX which paid the balance of the account in full yet chose to ignore them.
Product: Vehicle loan or lease

My husband and I applied for a boat loan and were sent a letter though email saying it was a quote of the length of months and interest rate for the loan. The letter showed a chart of different options for us to choose from at a rate of 4.49 % and up to 180 months. It said to upload our picture IDs and W-2s on their online portal. After I uploaded all documents, I called the loan officer and left a voicemail to let her know I uploaded all docs and I entered my w-2 on another tab since there wasnt enough room. The loan officer called me back and told me the interest rate was 9.95 % and at XXXX months. I told her that wasnt what I read on the quote and that I saw 4.49 % and up to 180 months. She said that wasnt sent by me. I tried to look for the email while she was on the phone and couldnt locate it. She again said, that email wasnt from me. I told her I would talk to my husband and call her back. After I hung up, I looked and found the email quote which showed the 4.49 % and up to 180 months sent by her company. I forwarded the email to the loan officer showing her the quote and asked her to honor it. She called back and was rude and said no, cant do it. I told her that I would see if I can shop around for a lower rate because that was too high and asked how much time do I have to look around. She told me I had 45 days. As I was hanging up, I looked down at my table and saw our IDs on the table since I had took the pic to send to the loan officer and didnt put them back in our wallets yet. I then realized that I received a different rate after I sent our IDs over and shows my husbands picture ( he is XXXX American ). I was hoping that wasnt so, but it was. I was going to ignore it but it bothered me a lot. I looked online and saw there are laws against finance discrimination. I called the loan officer back and left a voicemail telling her I wasnt happy with her service and explained there are certain laws against discrimination and I hope that wasnt the case. I also asked to speak to a manager/supervisor because I wasnt satisfied with the outcome.
Product: Credit card or prepaid card

On XX/XX/2023, I purchased a XXXX XXXX portable air conditioner. I received a XXXX XXXX  window air conditioner, which I did not order. So, I called Wayfair and told them that I did not receive my air conditioner. I uploaded pictures from their Wayfair link to prove that I did not have the air conditioner and to send it back. They also transferred me to the XXXX. The XXXX then transferred me back to Wayfair. I asked to speak to a XXXX several times. No one really could help me. Now, I do not have an air conditioner and I am being billed for something that I do not have. Please help me.
Product: Debt collection

I paid off all medical debts years ago. This letter is a new contact years later from a debt already settled with another company. The letter is for a date of service in XXXX of 2017. If this was a valid debt it would not be the first Im hearing of it years later! Also as stated, I conscientiously paid off ALL medical debt years ago.
Product: Bank account or service

I recently went to get an account open at a bank and i couldnt because something came up on the XXXX. I looked it over and i saw that a bank reported that account for fraudulent activity. At the time that wae goin on I called them immediately after I found out my card was no longer in my position. So they questioned me and they started the investigation. They said I would receive a mail which i did not. I just let it go buy. Now 2 years later I 'm stuck with it. What do should I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing my credit report for over ten years. My complaint are agaisnt the three credit bureaus XXXX, Experian, XXXX :!. ) reporting Inaccurate history 2. ) Failure to not report disputed iteams 3. ) Refusal to correct information after proof has been giving 4. ) Abusive calling of collection agencies 5. ) being harassed by collection agency. 
XXXX XXXX XXXX ( XXXX & XXXX, XXXX ), states I owe them {$7000.00} for a vehicle I was a cosigner on. The vehicle was sold at acution, I had another vehicle that was repossed and sold at acution, they sent me a 1099-G. XXXX XXXX ( XXXX XXXX ) says I owe them {$160.00} for car insurance that I did not have with them. I am tired of playing this game with the three credit bureaus and collection agencies. I can ; t get a home, a car or live life at XXXX because of mis reporting and misconduct towards my credit ENOUGH
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 my bank account was hacked Causing a payment to be sent back to XXXX XXXX XXXX XXXX. It was my only late pay with them ever in XXXX. And I paid it the day they called and told me what happened they agreed to update my credit to paid as agreed and never did
Product: Vehicle loan or lease

I took the 2013 XXXX XXXX to their mechanic. They told me that the ac compressor had to be connected and not locked up for the engine to run. Which should have been under the warranty since it's required for the engine to run. They just flat told me it's not covered through their warranty service. It's bad enough that it had multiple problems the first 30days I had it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATIONXXXX XXXX {$4600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX
Product: Debt collection

This company never sent me a letter of the debt I suppose to owe. I fount out about on XXXX XXXX. I reached out to XXXX XXXX they had no account from the date listed on my credit report advised me to dispute with XXXX. I did so I have no knowledge of this account or how it was opened never received a card, notice, or bill from XXXX XXXX XXXXor this account.
Product: Credit reporting or other personal consumer reports

Good afternoon.I checked my credit report and saw an account that doesn't belong to me and inquiries. There are also XXXX addresses where I have never lived
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/year> - BALANCE {$200000.00}
Product: Debt collection

In XXXX I was contacted by XXXX XXXX XXXX, a collection agency representing TD Auto finance, regarding a debt owed. After several conversations with a representative at XXXX I was able to come to resolution that would satisfy the debt in full. On XX/XX/XXXX I paid the agreed upon amount of {$5000.00} and received correspondence from XXXX indicating the debt had been satisfied however TD Auto finance is still actively collecting on this debt. I have attempted to contact TD Auto finance but I am being referred back to XXXX as two entities can not collect on the same debt. XXXX is unable to assist me as they show the debt as paid in full. I am requesting relief/assistance from the CFPB as I no longer owe this debt.
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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.