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

contacted  XXXX , Transunion and   XXXX   from   XX/XX/XXXX - X/XX/2017  conc erning inquires that were removed from credit report that still appears on there. they advised that they were removed. keep calling back now they tell me that I need to contact the companies that requested my report. I contact those companies and they refer me back to the Agencies. this is an on going issue that I want to have removed. I have also had addresses on the account that did not belong to me. My father was put as my husband.   XXXX   list other people names and ssn on my credit report. The last updated report received from   XXXX   had full ssn of other people that is a violation. They mixed up files. only  1  address and employer should be listed on my file. Every time you call now everyone is a supervisor at  XXXX  and Transunion and cant help you. The purpose of putting a fraud alert and security freeze is to be protected from theft. These companies are allowing others records to be mixed with different people and if you call to validate and have the information removed its always an excuse. When I call to check on status of disputes I will get a letter in the mail stating that it has been extended due to recent inquires. This is not acceptable.
Product: Credit reporting

Identity was stolen, and inaccurate information is being reported by credit bureau 's.
Product: Credit reporting

TRANSUNION IS CONTINUOUSLY ALLOWING DEBT PURCHASING COMPANIES TO PLACE DEBT ON MY REPORT WITH NO PROOF OR SIGNATURES OR VERIFICATION. i HAVE BEEN FIGHTING FOR THE PAST FIVE YEARS AND XXXX CLASS ACTION SUITS AGAINST THEM AND XXXX. I HAVE BEEN UNABLE TO PURCHASE HOME BEING KEPT IN BONDAGE OF RENTING AND HIGH INTEREST RATES FOR CREDIT!! I WANT THOSE OLD XXXX CARD AND XXXX DEBTS REMOVED. THE IRS IS ALSO CHARGING ME IM FIGHTING THE SAME ALLEGATION AND IT WAS CHARGED OFF AS WAGES FOR XXXX. I NEVER EVER HAD XXXX DOLLARS WORTH OF DEBT BEFORE THIS ALLEGATION ASIDE OF MY CAR. I ONLY WANT TO ACHIEVE THE AMERICAN DREAM BEFORE I DIE AS A RENTER!!!
Product: Debt collection

Please send in validation request because I looked over my credit and I noticed these companies have been reporting stuff that does not sit right and it's laws like the FCRA XXXX XXXX for accuracy of the XXXX report then debt people who have XXXX doing this stuff XXXX XXXX validation of debts Please have them delete this mess if they can not truly validate this stuff on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone used my identity and personal information to open up a XXXX XXXX XXXX account ending in : XXXX, I have never applied for a XXXX XXXX XXXX. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX XXXX XXXX account.
Product: Credit card

On XX/XX/XXXX I called in because my card stopped working. 

I informed American Express that I would be closing my account. 

Today XX/XX/XXXX I received my bill. I went to apply my rewards to the due bill and found that they had already closed my account and locked me out of the rewards. 

They still expect me to pay what I owe obviously, but are refusing to give me the rewards that they owe me.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. XXXX XXXX XXXX financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general 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 instructions of the consumer to whom it relates. '' XXXX is the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and XXXX , whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX and Experian never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I also sent an opt out letter to XXXX , in which they have not responded to. The law states that the company has 21 days to respond and they have not, as of yet.
Product: Credit reporting or other personal consumer reports

The federal government has allowed persons to gain access to my personal information without consent. My information has been breached and compromised.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX  XXXX, has violated my rights. 15 U.S.C 1618 section 602 A. States I have the right to privacy. 15 U.S.C 1618 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I have submitted multiple disputes asking for verification of the mentioned accounts. No one is able to provide me with any Validation/ Verification. Attached is the proof I was given from multiple reporting agencies. Please check it out. Transunion, XXXX, XXXX continues to Violate the FCRA. Attached is proof. They are reporting Inaccurate, Incomplete, unverifiable information. They were never given permission to reporting any of this information. And they never conducted an investigation into my claims. This is not a XXXX party submitting this claim this is me XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

walked into dealership they told me they would run my credit once, i checked my report they ran it several times. 


XXXX XXXX XXXX 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: Checking or savings account

**Incident Summary : Failure of Navy Federal Credit Union XXXX NFCU ) to Protect Me as a Consumer in a Fraud Case** On XXXX XXXX, XXXX, I contacted Navy Federal Credit Union to report suspected fraud/scam activity on my account. I explained that I had been scammed out of ** $ XXXX by a fictitious company, XXXX which falsely claimed I had a warrant out for my arrest due to unpaid debt. Despite this, I was informed by NFCU that there was nothing they could do at that time. 

Around XXXX XXXX, XXXX, I called NFCU again to formally report the fraud/scam and was told that someone would contact me if any documents were required to support my claim. However, on XXXX XXXX, XXXX, I was notified that NFCU had found no fraud on my account, even though I was never contacted to provide the necessary documentation to support my claim. 

On the same day ( XXXX XXXX, XXXX ), I filed an appeal and uploaded all evidence proving that the claim was valid and that I had indeed been scammed. The evidence included correspondence and proof that the company in question was fake. Following this, I contacted NFCU multiple times to request updates on my claim, only to be told that they could not see the documents I had uploaded, despite those documents being listed in the message center. 

On XXXX XXXX, XXXX, I called NFCU again and re-uploaded my documents. During this call, NFCU informed me that I might receive a temporary credit while the second investigation was conducted. A temporary credit was issued but then reversed, leaving my account in a negative balance. Additionally, NFCU withdrew ** $ XXXX from my savings account without my consent. 

When I questioned the reversal, I was told that the credit issued on XXXX XXXX, XXXX, was related to the first investigation, even though that investigation had already been denied on XXXX XXXX, XXXX clear discrepancy in their process and timeline. 

A second appeal was reportedly opened between XXXX XXXX, XXXX, yet I received no communication from NFCU about XXXX status of this appeal. On XXXX XXXX, XXXX, I contacted NFCU again XXXX to the lack of updates. On XXXX XXXX, XXXX, NFCU informed me that they found no fraud, despite the substantial evidence I provided proving that the company ( XXXX XXXX is fraudulent. 

This entire process has demonstrated gross negligence on the part of NFCU. They failed to : XXXX. Properly investigate the fraudulent activity I reported. 
XXXX. Communicate with me or request documentation in a timely manner. 
XXXX. Accurately handle the timeline of temporary credits and denials. 
XXXX. Protect me as a consumer by recognizing and addressing a scam involving a fictitious company. 

In total, NFCU owes me ** $ XXXX ( {$2200.00} for the fraudulent transaction and {$470.00} taken from my savings ). I have attached all relevant evidence, including legitimate correspondence from the REAL company, **XXXX  XXXX XXXX which confirms that the debt claimed by XXXX was fabricated and fraudulent. 

I expect NFCU to take responsibility for this matter and restore the full amount owed to me.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX Somebody use my information on credit XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX I tried to dispute but they refused... 
It drawning my XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 Speedy Cash employee XXXX agreed that I did have a deferment on my account. 

I was given the impression that if I could not afford to make the payment in XXXX the deferment would continue. I called Speedy Cash in XXXX and they demanded an amount I was unable to pay at the time and I informed them of the fact. Then days later they placed my account in collections without telling me this was going to be the next action. I at least had the right to be informed. 

In addition they have employed a collection company that engages in harassing collection practices. I noticed a strange number calling me for the last few weeks, when I answered the telephone the person would hang-up ; this happened at least three times. If this is a legitimate attempt to collect a debt why the underhanded tactics that scare consumers? And a letter with three different return addresses, I am confused where to send any correspondence ( see attached ). 

I have asked for an itemization of my debt because I question the exact amount demanded. 
I do not owe this amount.
Product: Debt collection

I have received XXXX emails regarding my XXXX payday loan. Each XXXX claims they have received a XXXX of XXXX on my wages XXXX untrue ). They also claim to be a XXXX. XXXX from the XXXX. 

1 ) They misspelled XXXX. 
2 ) They have not tried to contact me by phone or at work. 
3 ) They are claiming I have a warrant and will be arrested.
Product: Money transfer, virtual currency, or money service

To whom it may concern, CASHAPP CARD # XXXX XXXX XXXX XXXX EXP : XX/XX/XXXX CVV XXXX On XX/XX/XXXX I was in a hurry to get to XXXX XXXX Airport so I dont miss my flight leaving from XXXX XXXX to XXXX NC to visit family. While I was still at XXXX airport my phone died and I didnt bother to charge cause theres no reason to. Upon getting to NC and making it to my XXXX home in NC I charged my phone n immediately saw several alerts on my phone regarding series of transactions done with my cash app card. I wasnt familiar with the merchants in the transaction or have I done any business in the past with them using my cash app card. First thing I did was look for my card and upon realizing it wasnt in my possession I immediately used the cash app to lock my card and proceeded to contact cash app customers service rep and upon contacting them I was told an investigation will be initiated, the rep told me that I shouldnt worry since I did not authorize any of this transaction and suggested that I file a police report if I can. I contacted the Sheriffs office in XXXX while I was still down there and I was told that since the transactions happened in New York that they cant take a report cause it must be filed in NY. I was communicating with cash app customer service till I got back to New York and they suddenly stopped responding, and to make matter worst they proceeded to terminate my access to my cash app account putting accountability and onus to this financial loss on me. Even in my attempt to file a police report here in New York, the XXXX  needed to contact cash app as well as get some documents regarding the transactions but at this point cash app have gone mute on me. I sent them several emails and got no replies. I was distraught and didnt know who to turn to I called the Attorney Generals office and initiated a complaint, the rep at the AGs office suggested that I can file a lawsuit which I did at the civil court office here, and by the way finding the business address of Cash app was almost impossible and finally I was able to locate an address in XXXX XXXX before the lawsuit can be entered in the court, the court put together some documents for cash app regarding the lawsuits and gave me an instruction on how to deliver it to them since they are out of NY state. I sent the package to the sheriffs office in city hall XXXX XXXX to be delivered to cash app office as directed by the court. In XXXX and XXXX of XXXX I was upstate New York XXXX XXXX XXXX XXXX when the pandemic started, the production was shot down and upon getting back to XXXX I saw the lawsuits package sent back to me by the sheriffs office in XXXX XXXX. At this point everything was shutting which included the civil court and I went on lockDown like everyone and put the file away. Being someone who is XXXX XXXX for having suffered a XXXX in XX/XX/XXXX I had to be extra careful with being out in the world however I know that this issue I will eventually reconvene with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I applied online to XXXX XXXX for a loan. The loan request was declined due to my short credit history. On XXXX/XXXX/XXXX, I received a call from a lending company called XXXX XXXX through It 's representative XXXX XXXX XXXX with a loan offer of {$1400.00}. Though I did not apply to the company for a loan, I nevertheless accepted. The representative asked for my bank details which he said the company needed to pay the check for the amount into my account. I innocently gave him my bank details over the phone. I did not suspect any foul play. I did not know he was a fraudster. It was my first time of getting involved in loan transaction. He also asked me to withdraw {$500.00} from the money which the company would pay into my account and pay it into an account the company would provide me. According to him, I needed to do this to boost my short credit history and prove my trust-worthiness which would qualify me for a bigger loan. Shortly afterwards, I received alert from my bank indicating the check had been deposited into my account. The next day, I innocently went to my account in ANOTHER BANK, withdrew {$500.00} and sent it to the account that was sent to me. After some hours, I decided to access the account the check was paid into and I realized my account had been frozen. Confused and not knowing what was wrong, I called my bank and they informed me that the checks that were paid into my account were fake checks. I immediately made a complaint to the Police. After investigation, the police gave me the case number to send to the bank, asking It to unfreeze my account, but the bank did n't comply. That is how the account has remained frozen up till now and it negatively affected my credit score.
Product: Checking or savings account

Someone opened a Bank of America account in my name. I have called three times to have it closed, but I continue to get monthly statements that the account is open.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I 'm filing a complaint because the credit bureau is documenting that I have had several dismissed bankruptcies. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX Thanks in advance
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someone applied for multiple credit cards under my name, which resulted in 10+ hard inquiries to my credit report. Also, a XXXX XXXX exists in XXXX Georgia under my name and it is not mine.
Product: Credit reporting or other personal consumer reports

i REVIEWED MY CREDIT REPORT AND i noticed some inacccuracies. I sent a letter to experian asking them to investigate these accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They sent me their investigation and said those accounts are verified and acurate. And according to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incompete or can not be verfied.The credit bureaes did not reinvestigate and violated my right.
Product: Payday loan, title loan, or personal loan

I contacted Mobiloans to ask if they were doing anything to help consumers who had lost income due to the coronavirus pandemic. They stated that at that time they were not doing anything, but that I could push back my payment to the next payment date, and that I could just pay both payments on that date. That doesnt help me because at this time I dont have an income, so I looked into more information on the company, and discovered that in several states including my own, they were charging interest beyond the cap that is allowed, so Im trying to find out if I can try to settle for a lesser amount than is owed since I have paid a substantial amount of interest already to them. Also, a few days after I called, they lowered my credit limit to {$1900.00}, whos was {$500.00} less than what I owed, then a couple of days later, changed it to {$2400.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ), on Experian ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. These accounts are not reporting 100 % accurate so it is deemed INACCURATE. Please delete this account immediately. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete