23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing this complaint regarding Navy Federal Credit Union 's improper handling of unauthorized charges totaling {$8600.00} on my credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, unauthorized charges were made on my card. I have provided Navy Federal with extensive documentation proving I could not have made these charges, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 4. Written fraud claim documentation 5. Navy Federal 's Written Statement of Forgery form Despite this clear evidence of my XXXX XXXX XXXX XXXX to make these charges, Navy Federal denied my claim on XX/XX/year>. This denial violates my rights under the Truth in Lending Act ( 15 U.S.C. 1643 ), which : - Limits my liability for unauthorized charges to {$50.00} - Places the burden of proof on Navy Federal to prove authorization - Requires the credit union to conduct a reasonable investigation Navy Federal has failed to explain how these charges could be authorized when hospital records prove I was physically incapacitated during the transactions. This has caused significant financial hardship and emotional distress during an already challenging medical situation. 

I am requesting : 1. Full reimbursement of the unauthorized charges ( {$8600.00} ) 2. Removal of all related fees and interest 3. Correction of any negative credit reporting 4. Written explanation of their investigation findings
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 Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account balances, dates of last activity, high credit limits, monthly payment balances, and account numbers different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following accounts be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.
Product: Credit card or prepaid card

My credit balance was reduced from XXXX dollars to XXXX dollars without notice. This has dropped by credit score. I reached out to the company in order to reverse this and they told me they will not be able to do it.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$480.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$950.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$700.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$750.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$1700.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a hard inquiry on my equifax from XXXX XXXX XXXX XXXX XXXX without my Authorization , XXXX XXXX XXXX is denying that they have not done any hard check, Equifax recognizes the hard pull
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX GEORGIA XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Debt collection

On XX/XX/2016 I sent Portfolio recovery a cease and desist after many contact from them at home and work about an alleged debt I don't owe. They ceased to contact me for a few months however I just received another letter at work regarding the same account. They continue to harass me on a debt that I don't owe. I've never had a credit card from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When pulling my credit report through Experian there is a judgement in my name at the XXXX County Superior Court 2 for XXXX XXXX XXXX XXXX. I have contacted the XXXX County Superior Court and Clerks office about this judgement. They sent my copies. I do not see this judgement as well as the XXXX County court. It is not in their records. 
I have contacted XXXX XXXX XXXX XXXX and they stated that the account was closed. 
I am disputing this because the judgement is keeping me from proceeding with my line of credit. My credit counselor has advised me to take care of my judgements in order to help my credit score. I have taken care of everything but this account is incorrect. 
Please help me to get to the bottom of this.
Product: Debt collection

On XX/XX/2020, I received a phone call from XXXX XXXX. I did not recognize the number and was wondering who would be calling me from the XXXX area. I let it go to voicemail, and this is what the message said : " Hello, this message is for XXXX XXXX. My name is XXXX XXXX calling on behalf of claims in regards to a neglected complaint that's in process of being filed against your name as well as you social ending ( stated last 4 of my ssn ). Failure to respond to this message by today gives us the legal right to move forward to get you in your jurisdiction. I can be reached at XXXX XXXX, extension XXXX. '' As of today, no legal action has been taken. I did not expect that it would since this company is bogus. I was able to find the name. I did not call back because the XXXX has been linked to scams. It is not assigned to any particular region. I know this company is a fraud and went to great lengths to try to intimidate me into compliance. The message all but threatened that they would " get me ''. Please put these people out of business!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided. Causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

On XX/XX/year>XXXX  and on XXXX A dispute letter was sent to XXXX XXXX XXXX a negative credit report trade line. The amount of the debt is {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After notifying Experian that I am a victim of identity theft, I requested a number of accounts be blocked as they are a result of identity theft. Meaning, I did not authorized sign or agree to their opening. Experian, presumably accepted my request but without notifying me, converted my request to a dispute instead. Which is in violation of Then 30 days later sent me a correspondence stating they verified the information as belonging to me. This could not have been so, as my identity was stolen and used without my consent and knowledge. So my question is, what did Experian verify? Additionally, Experian refused to block these fraudulent accounts as identity theft, but they placed an identity theft fraud alert on my credit report. Again without notifying me that they accept my request in part. Lastly, Experian has a history of refusing me access to my own reports, allowing un-authorized disclosures of my report and creating duplicate files for me and placing negative outdated credit accounts on it, and distributing this information to requester of an accurate credit file. Experian refuses to block the following accounts and refuses to provide proof that I am the owner of these accounts because they know these accounts are identity theft they just want to continue to get paid for reporting fraudulent information. Please help me get these fraudulent items blocked from my credit file. 
XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX {$5700.00} XX/XX/XXXX XXXX   XXXX {$1300.00} XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$62.00} XX/XX/XXXX XXXX XXXX {$84.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

all three credit bureaus refuse to remove all inquiries off my report equifax transunion experian refuse to remove all fraud inquiries off my report they all say my police reports are not real
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am a consumer whose personal, family, and my family household was affected by Equifax Data Breach FDCPA 15 USC 1692 ( a ) ( 5 ). Over the last two years or more when I pull my credit files as I was being harassed and abused.15 USC 1692d ( 1 ) ( 2 ) ( 3 ) ( 5 ) by debt collectors claiming I owe a debt or applied for different credit. while I pulled my credit file I see derogatory marks and low scoring on my file ( unjustified ) which affects my household. Equifax failed to do a proper investigation of FDCPA 15 USC 1681 ( a ) ( 2 ) ( 3 ) ( 4 ) ( b ) ( a ) ( c ) ( d ) ( 1 ) ( c ) ( e ) before placing such negative remarks as well as creating a false belief about me as a consumer. This action caused as well Identity theft 18 USC 1028 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 6 ). I have sent Equifax Data Breach Settlement my Recovery of Damages along with the printed document stating my information was part of Equifax Breach. 
engagement number XXXX
Product: Debt collection

In XXXX this company Creditors Bureau USA contacted me about an alleged group of " accounts '' from a doctor 's office. I sent them proof that I paid my copay through XXXX and that XXXX sent the balance owed to them. Months went by - I heard nothing. Today I received a letter stating that the original doctor 's office said they never got the payments ( Which is convenient because XXXX told me that the payments were never cashed and gave me back my money last month ). They also told me they'd be imposing interest but wouldn't provide me with the agreement showing the agreed-upon interest rate as there is no judgment in this matter. They told me they're free to charge whatever interest rate they want and there is no law prohibiting it and that they do not have to disclose this interest rate to me.
Product: Credit reporting

I had a credit card account # XXXX from CITI from XXXX until around XXXX XXXX and i requested for a closure on reference account # above through a phone call. They offered me a settlement on the account for the balance remaining. I paid the settlement amount as agreed and I am suffering from the negative report they reported after closing the account in XXXX or XXXX XXXX, I want to request for a validation that the negative remarks CITI continue reporting after closing my account was accurate and not a mistake. I kindly request a proof or validation on this account that the negative remarks were accurate and properly reported or timely delete it from my credit reporting account with XXXX, XXXX, XXXX. Thank you
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to lodge a formal and strong complaint against Experian, a credit reporting agency. Every time I attempt to freeze or unfreeze my credit report, I am forced to spend countless hours navigating a frustrating system of phone numbers, only to achieve no meaningful results. 

Additionally, every time I set a password, I am told upon my next login attempt that it is incorrect, which traps me in an endless loop of automated recordings and unhelpful prompts. This lack of effective customer support and resolution is unacceptable. 

How can Experian be entrusted with overseeing and reporting consumer credit when the company itself demonstrates a lack of credibility, efficiency, and adequate consumer support? This situation urgently requires attention and improvement.
Product: Student loan

I owe about XXXX on a student loan that I have not been able pay. I have recently accepted a position as a XXXX XXXX at a XXXX XXXX and had been made aware that my diploma is not acceptable since it is from XXXX XXXX. I graduated with honors and can not understand why my diploma is not acceptable. Furthermore why should I be forced to pay a loan for school that is no longer accepted?!
Product: Vehicle loan or lease

This inquiry could stay on your report untilXX/XX/2020. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, NC XXXX ( XXXX ) XXXX I never opened a loan with wells fargo. This hard inqury is incorrect and should not be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a total of ( 3 ) three student loans. According to my credit reports they are showing ( 6 ) six student loans, which makes it look as if I owe way more than I do and also shows late payments with all of them. All ( 6 ) six of them are showing different data with each credit bureau. I have disputed the loans for incomplete/inaccurate data. The credit bureaus just keep coming back as updated information. Nothing changing, Still showing ( 6 ) six student loan accounts when there were only ( 3 ) three. There are three ( 3 ) listed with Dept of Ed/Nelnet and, three ( 3 ) listed with US Department of Education. The two different named sets of companys are both reporting the same three ( 3 ) accounts.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased Affirm at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I returned an item of {$180.00} to the XXXX XXXX  store on XX/XX/XXXX. I have a receipt. Affirm received the refund, and they emailed XX/XX/XXXX, to say they received the refund. ''Your {$180.00} refund is here. You have multiple plans with XXXX XXXX XXXX, so please select which one to apply it to within 48 hours. 
If we dont hear from you, it will be automatically applied to the plan with the highest APR. If this is not possible, your refund will be sent as a check in the mail. '' I have made several disputes with Affirm, and they claim not to have my money or see the transaction. But I have the receipts and emails from Affirm. Today, XX/XX/XXXX, they emailed me that I have a pending refund of XXXX when that is not the pending amount.
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$150000.00} XXXXXXXX XXXX {$570.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I paid my account in full on XXXX XXXX, 2012. Synchrony Financial is not responding to written request to acknowledge a paid in full status. They continue to bounce my calls through multiple layers of the organization with no substance or response.
Product: Checking or savings account

Below is what i originally sent Chime Bank with Images of the fraudulent activity, I followed up with an email from XXXX showing that they indeed acknowledged unauthorized transactions had occurred. They sent me no copies or reasons why i would not be refunded my money. 

I had fraudulent charges on my XXXX account on XX/XX/XXXX and XX/XX/XXXX. 
I called XXXX on XX/XX/XXXX when I first noticed it and they told me to change my password and theyd escalate it to investigative team. 

On XX/XX/XXXX I noticed another unauthorized charge and called again, this time they helped me remove my payment methods from their system, put my XXXX account on hold and said they would add it to on-going report. 

I received an alert that the ipad air ordered on XX/XX/XXXX had been delivered and called XXXX again, this lady was not aware of previous reports but promised to send me a follow up email, I asked for a case number and she couldnt provide. 

I took as many screenshots of the XXXX transactions I could, they are going to XXXX separate NY addresses. 

The charges are for XXXX and XXXX. I do not know anyone in New york and I have never sent anything there.
Product: Credit card

I have fallen behind on my Home Depot Credit Card. When speaking with them to try to resolve this and make a payment arrangement, they asked me to update my contact information. After entering my correct information, I received an e-mail verifying my changes, my contact info has not changed throughout the course of my relationship with them. In the e-mail that they sent me, it includes my relatives phone number and not my own which they have always had. How did they get my relatives phone number and why would they have added it to my account when I did not provide it to them? I do not want anyone to now that I have fallen behind on my payments and it appears to my relative that I had provided their number to Home Depot and not my own. This is such an invasion of privacy. They should not have that number as I never provided it to them.