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

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Product: Credit card or prepaid card

A credit card was opened in the name of myself and my father. My father XXXX XXXX in XXXX XXXX. When probate was started, the savings account, checking account associated with my father, and credit card associated with my father and myself was supposed to have been closed in XXXX, XXXX or XXXX weeks after the XXXX of my father. Four months later, in XXXX I received a letter from the bank that issued the card stating I owed money for a charge from XXXX ( more than one month after the credit card account was supposed to have been closed ). Not only was the card not closed, a charge was made, and the bank expects to hold me liable. XXXX XXXX, the agent who assured us the credit card was closed now says that it was not closed, and that I am responsible for the charge.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, 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

I received two debt collection invoices in the mail. I tried contacting the debt collector and they referred me to the company, XXXX XXXX, who services utilities in Texas. When I called, they located the two outstanding debts and another account that was opened today in my maiden name. I asked the agent how they were able to open my account and she stated that these people have my social security number. 
I asked the agent what else they provided because according to there website they need to provide other proof of identity. The agent stated that she doesn't know how people are fraudulently opening accounts with just my social security number. The agent then asked me to open a claim with the FTC and to file police reports. Once I have them, send them to the company for review. 
1. XXXX XXXX in the amount of XXXX XXXX. XXXX XXXX in the amount of XXXX XXXX. XXXX XXXX account that was opened today and doesn't have an amount owed yet. 

These debt collections have affected my credit score. I have FROZEN my accounts with the credit reporting agencies, and I've frozen all my accounts. 

Please advise what to do next, this isn't the first time. I had to deal with this in XXXX of last year, I don't know what else to do in freezing my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  XXXX Balance : {$3900.00}
Product: Debt collection

In late XXXX I cancelled an insurance policy with XXXX XXXX and purchased a policy from XXXX that more fit my needs. At some point later I became aware that a collection had been filed from XXXX with Credit Collection Services. I contacted XXXX to discuss the {$140.00} that CCS claimed was owed. XXXX customer service representative informed me that it was a mistake and that XXXX owed to me a balance of {$92.00}. They sent a check to me for {$92.00} and at that point I believed that the matter had been resolved. I was wrong. CCS continued to hold my account in delinquency. I have uploaded to CCS website a statement from XXXX dated XX/XX/XXXX showing that there is {$0.00} balance due. This did not resolve the issue. I again contacted XXXX on XX/XX/XXXX and had a three-way phone call between myself, XXXX agent XXXX XXXX XXXX and an agent from CCS. XXXX went through the procedure to electronically clear the collection as instructed by CCS agent. I waited thirty days and then called CCS on XX/XX/XXXX to verify that my record had been cleared. I was first told by CCS agent that XXXX XXXX did not have the authority to clear the record. I then asked to speak with a CCS supervisor, XXXX XXXX. XXXX XXXX claimed there is no record of our three-way phone call on XX/XX/XXXX or any record of the order put through by XXXX XXXX XXXX XXXX had sent an email to me outlining the electronic order. I uploaded a copy to CCS website on XX/XX/XXXX. 
This collection has decreased my XXXX score by XXXX points. I do not know if this attack on my reputation is by mistake or is malicious. Due to the refusal to correct this abuse, I suspect the latter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to respond to my credit report dispute within the 30-day period required by the Fair Credit Reporting Act ( FCRA ). I mailed a dispute letter to Equifax, challenging inaccurate items on my credit report. A copy of this letter is attached for your reference. Under the FCRA ( [ 15 U.S.C. 1681i ( a ) ( 1 ) ] ( XXXX XXXX XXXX XXXX XXXX, Equifax is obligated to investigate and respond within 30 days. As of today, XX/XX/year>, I have received no response, which violates my rights under the law.
Product: Money transfer, virtual currency, or money service

The use of XXXX to transfer money with JP Morgan Chase did not have disclaimers or a check to confirm you are sending money to the correct person.
Product: Payday loan, title loan, or personal loan

My mother received a phone call from Money Mart - XXXX XXXX saying if she paid him money, his company would give her a loan for {$5000.00}. She paid him {$2000.00} in XXXX XXXX gift cards purchased at the drug store. This took place between XX/XX/2019 and XX/XX/2019. He told her she could pick up her money at XXXX. She went to XXXX and they told her is was a scam. I told her to cease talking to him and that I would put in a report. He gave her an address of XXXX XXXX XXXX XXXX, FL. I have 2 phone numbers for him XXXX and XXXX. I have an email address for this person as well and documents he sent to her with a loan approval number as well.
Product: Checking or savings account

Hello today I tried to get a checking account in my name at a bank but all the sudden IAM not approved I never had a bank account in my name I all ways had prepaid cards ..so I think the XXXX XXXX XXXX is XXXX me over with false information
Product: Payday loan, title loan, or personal loan

Well I haven't received paypal holdings they been holding for almost a year now. Investments from last year no money received .XXXX returns non at all. Theres plimmishing, spfooing. I'm a victom of Fraud and the web it self ive had money Unauthorized charges to open off apps and prepaid cards. At least {$100.00} Hackers interfere with loans all they above Loans except mortgage. Online text and calls people I don't know. Currency having problem converting in 4,5 Countries. Online Paid Surveys I've completed havent revived a XXXX XXXX for. Starting XX/XX/2017 ending now. Rewards i completed including the extra steps I finished still haven't received my rewards gift cards XXXX and XXXX. Magazines ebooks etc. prepaid and credit card Rewards havent gotten XXXX XXXX spends XX/XX/2017 my spends are gone XXXX XXXX, XXXX XXXX  and XXXX. Owe {$160.00} in card unauthorized usage. The web provides false info and death statements my user name always being used. I could go on and on XXXX from Paypal Supervisor hasn't return my Unathorized {$60.00} I put on cash card. Thank u bye XXXX oh yea unclaimed money I've paid XXXX $ and still haven't received anything
Product: Credit reporting or other personal consumer reports

IN 2019 MY PURSE INCLUDING MY PERSONAL INFORMATION WAS TAKEN FROM A EVENT. ON SITE AUTHORITIES WERE NOTIFIED. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I ALSO SEE SOMEONE ATTEMPTING TO ACCESS LINES OF CREDIT IN MY NAME, THERE ARE INQUIRIES FROM CREDITORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NOT GIVEN ANY CONSENT FOR THESE. I CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION AND HAVE YET TO RECEIVE A FORMAL RESPONSE MAKING THESE ACCOUNTS UNVERIFIABLE.

I HAVE THE RIGHT TO PRIVACY, AND I HAVE NOT GIVEN ANY WRITTEN CONSENT WHICH IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS TO MY PROFILE IN RESULT TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit card or prepaid card

I had to have my card number canceled out and a new card issued. They need a copy of my photo ID. I took several pictures but was unable to get an image with their app or my camera that they could use. They finally had me pay the library to scan a perfect copy to PDF. I have looked at the file myself and the image is perfect, but after telling me to go buy this image, they then told me this wasn't good enough either. They also tell me that while they can not use any of the images they have, one of which I had to pay for and is a perfect image, they also have no other options to issue a card if their system fails to accept the perfect image. So they won't issue me a new card to use my credit, but still expect me to pay on the open account which is in good standing but I can not get a card to use with it.
Product: Student loan

XXXXECMC This account was created XX/XX/XXXX. XXXX XXXX devastated 80 % of XXXX XXXX XXXX on XX/XX/XXXX, 80 days after this account was originated. I was enrolled at that time- I was unable to continue my education- I made 17 months of XXXX XXXX  payments- I had to file Bankruptcy in ( XXXX ) because I was still having issues trying to PIECE my life back together. I left XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX CLOSED on XX/XX/XXXX for an XXXX  period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries by unknown person made several attempts to obtain credit XXXXXXXX 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

This debt was sold from XXXX XXXX XXXX CKS Investments . I know this because I called XXXX to make the payment, who sent me to CKS. This debt was paid in full to CKS Investments on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with CKS Investment. I have disputed this account on multiple occasions because CKS Investments and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 National Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. CKS Investments has illegally added this account as a NEW and OPEN account on my report. 
Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.
Product: Credit reporting or other personal consumer reports

I asked Military Star Card to update my account status to XXXX and submit the correct information but they have not ; the payment status still states XXXX past due, making my account look delinquent ; the account was paid in full on XX/XX/2019 ; however, this account on XXXX keeps stating 120 days past due on status. I contacted Military Star to correct it but they keep stating they sent the letter but I have not received the paid in full letter nor have they update my credit to proper status but continue to change info to incorrect further dropping my credit score
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Ive been experiencing this with Navy Federal since opening my account in 2019 I have been charged {$20.00} every time i had to use my card after it was overdrafted
Product: Credit card or prepaid card

It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via XXXX in XXXX ( 12 CFR 1026.2. 

You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. 

This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). 

Furthermore I have noticed that you have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). Capital One has violated my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX i noticed transactions being charged to my Upgrade credit card account from XXXX, although i do have an XXXX the transactions did not come from my account. I reached out to XXXX and because charges were not made in my account they could not return anything. Contacted Upgrade billing/fraud dept, provided them with proof of purchases not coming from my account and even ask them to reach out if they needed me to colaborare with any additional information ( which they never did ). I did get a provisional credit back in XX/XX/XXXX but today receiven an email notification saying theve decided to decline my cliam and charge everything back. The transactions were the following : XX/XX/XXXX XXXX XXXX$46.00}, XX/XX/XXXX AXXXX {$41.00}, XX/XX/XXXX XXXXXXXX {$100.00}, XX/XX/XXXX XXXX {$32.00}, XX/XX/XXXX XXXX  {$35.00} and XX/XX/XXXX XXXX {$5.00}. There were a lot more transactions but were thankfully blocked by them as they were identified as fraud. I have my XXXX transaction history, i can contact XXXX again, anything you guys need or the upgrade credit card needs i Can definately cooperate to proof it was certaily not me making this purchases. 

Ps. Included screenshots of contact hostory, they inky reachout once on XX/XX/XXXX, then i replied immediately to their email on XX/XX/XXXX ( twice ), because no response was received i reach out again on XX/XX/XXXX by email again ( had tried by phone twice but could not get through for some reason ) and finally got reaponse from them on XX/XX/XXXX sayin still working on my case. Then XX/XX/XXXX from XXXX ( a diferent fraud specialist from the original ) a notification the claim was declined.
Product: Checking or savings account

I placed an order online with XXXX. The order was for 3 items. The charges posted to my account and were processed. And then showed up a second time in the pending transactions the following day. When I contacted SunTrust I was told the pending transactions would be removed from my statement. Now they are saying that they are going to charge me for the pending transactions, that they removed. Those transactions where not initiated by me or XXXX, and were SunTrust 's mistake in the first place. They should not be able to charge me for a transaction that I did not initiate. XXXX has stated that I only ordered the three items once, and that they where paid for them. Thus, SunTrust should not be able to remove an additional {$57.00} from my account a second time. I will attach statements from both XXXX customer service and SunTrust customer service, and a copy of my bank statement to this document. 
Kind Regards, XXXX XXXX XXXXXXXX
Product: Consumer Loan

my car is financed threw ALLY, back in XXXX XXXX i asked for a extension on my car payment, I never received it until XXXX XXXX threw this happening my car payment was late but it was still paid. I am asking for the late actions to be taken off my credit report so I can buy a house, so my credit score will raise by up. Thank You! XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I spoke with National Recovery about a debt I wasn't sure was mine from a hospital. I asked them why they put it on my credit report as the new law says they're not allowed to my answer from them was because they're not really watching there's nobody to enforce it. So I was told they would remove it if I paid them on top of the debt. I was to understand there and all I put in medical bills on my credit report but it's there and it was recently.
Product: Vehicle loan or lease

Schools First federal credit union. On XX/XX/XXXX I made my final car loan payment ( proof attached ) the bank teller told me that the car title was going to be mailed to me. 2 years later I have not received the car title/pink slip. 
Neither the bank had communicated with me in any way, no mail correspondence at all in 2 years from the bank. 
On XX/XX/XXXX I walked into bank main offices to inquire about my car title. I was attended by XXXX XXXX XXXX after a while she said I can not give you your car title because you have credit card balance with us from XXXX. No proof or copies were provided of such thing. 
*Stop the bank from doing tricky practices. The car was totally paid in full and car title should be release no other costs or debts should be added to the car title. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the blocking and deletion of several fraudulent accounts and inquiries that have been reported on my credit file. I am a victim of a recent data breach, and these accounts were opened or reported without my authorization. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following fraudulent items : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was shocked when I reviewed my credit report and found late payments on the dates below : NAVY FEDERAL CR UNION XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX and alsoXX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 2 Hard inquiries on my credit report that is not mine they are XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX which is hurting my score I want them removed
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ). HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX