23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Disputed previously with Trans Union COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed XXXX Originator
Product: Debt collection

So XXXX XXXX  closed my account without me knowing and when I tried calling to remedy the situation and pay off my debt they declined my payment and said there wasn't anything they would do to help prevent anything from leaving a negative mark on my credit report instead of trying to help me they opted to sale my debt to a debt collection agency TrueAccord and when I asked for debt validation they disregarded my request and then they became more aggressive when I mentioned that trying to collect on a unvalidated debt is null and void so I gave them 30 days to provide validation which never happened and when I gave them final notice I expressed my concern about me feeling like my rights was being violated and I also mentioned that all communications would be recorded for my personal records then soon after they were basically trying to mock and entagonize me I don't usually name any names but I am going to say that the worker from TrueAccord who's name is XXXX XXXX is the one who was trying g to mock and bully me into paying the institution a astounding {$590.00} which I'm not paying to a institution that finds humor in making fun of people and then trying to charge them almost {$600.00} this institution has caused me serious mental issues and defamation of my character and is considered not only rude but very disrespectful and I will not ever do business with this company ever as long as I live and I promise also I will expose the unfair and emotional and personal abuse I've experienced from this company to everyone I can because this is wrong and unmoral and unethical personally and professionally.
Product: Credit card

phone call from XXXX XXXX from JP Morgan Chase XXXX that an application was submitted XX/XX/24 from North Carolina credit limit {$9500.00} advised did not apply she in turn will close account red flag for her that I am located in a different state
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged postings of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting 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 Items 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXXXXXX XXXX XXXXXXXX ), Consumer Social Security Numer : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX {$530.00} XXXX. XXXX XXXX XXXX Original creditor : JXXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX. XXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX {$460.00} Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX i was told for the XXXX time that my clsim would ve resolved by XX/XX/XXXX. Its not XX/XX/XXXX and noone has resolved anything. I have sldo not recieved a letter for more time. I hsve had multiple ppl tell me i dhould hsve hsd the funds back for XXXX the proof stands at you can not simply use logins alone. You have repeatedly lost the fax i sent which was confirmed several times and several places. The documents you sent were past the deadline for documents to be sent. Visa your card establisment has agreed there is not enough evidence on your behalf to have taken 3 months to still not have resolved it. You have exceeded your 10 days for a provisonal credit then lied to ne up ubtil the XXXX and XXXX wheb the cases were closed. Previousky telling me the date ending on the XXXX was ipen until the XXXX fay when it wasbt and then the claim from the XXXX that was closed on the XXXX was said to not exist however your letter dated XX/XX/XXXX says it was. You continually are making a mockery of the cfbp by responding to these reports by not answering the questions about the case. Fuether everytime i file a new case you disregard my previous cases. You hace nit resolved one of these cases whatso ever from 3 mo ths ago. Instead you give yourselfs a fresh 10 new days like you hace just done with my last complaint which was not directly about the missing XXXX dispute case. It was solely to inform you of your responsability due to lack of following the guidelines that ur ve xharged for the medical visit i had to proceed with. This is directly due to your negligence. You have ventured past your alloted time with no update and nor request for more time and that in itself would be another violation. The time fram total had been exceeded therefore im not allowing for another 10 days. Im sure my fax had reached you ... Wells fargo cant ecen return phone calls. The simple putlook is you didnt credit the amount when you were spose to that doesnt just go away you arr still rewuired to do so. You have found other disputes fraudulent but these u have reasonable doubt. Further more i woukd suggest you read regulation e where it also states thos transaction can not be closed solely on your info. Im not required to allow you to properly do your jobs for 3 mobths my sole part is to give u resonable doubt which i have and i expect it to be fixed and completed. Also i have followed your 100 percent garentee outlined rules. Therefore that would apply as well. Do me a favor and respond to the correct dispute. XXXX XXXX. Respond to all the questions not one or 2 where u think u make a partial reason where its solved. Because your partial reasons are inadaquate at best and usually stem from the notes of your system and not substantial facts. I will not be put off any more or bounced around 3 months and ur still working on the case when i call .... Get real .this will not be the only place i report this
Product: Credit card or prepaid card

On XX/XX/2021 I was on the phone with a XXXX representative trying to change a flight to XXXX. During that conversation the representative miscommunicated and mistakenly booked a ticket using my miles and purchased additional miles to make a transaction at XXXX dollars without telling me that it was only for one leg of the flight and I would have to purchase additional legs at a much higher cost than she communicated. I canceled that transaction and make the change myself online. She assured me that I would be refunded as the purchase was cancelled within minutes because she mistakenly purchased the miles without my consent. However, I have not received the refund yet. In addition, I did not receive an notification of the miles purchased, nor do I see any record of the miles on my account.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

In XX/XX/year>, I submitted a complaint to CFPB ( Claim # XXXX ) regarding unauthorized accounts, addresses, and inquiries on my XXXX credit report. XXXX responded on XX/XX/year>, claiming the fraudulent items were removed. However, while some items were temporarily deleted, they were reinserted almost immediately, contradicting XXXX 's claims. Despite providing a complete and accurate FTC identity theft report, XXXX falsely asserted that my report was incomplete. This misinformation and mishandling of my case led to continued damage to my credit report, including difficulties obtaining credit and financial stress. Fraudulent accounts and inquiries from multiple entities, including XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and others, remain on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). I demand the immediate and permanent removal of these fraudulent items, a thorough investigation, and financial compensation for the harm caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently accessed my credit report for the first time and I am seeing unauthorized inquiries on my report, I have reached out to inform these companies, and have no luck getting them removed. Please remove the following immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card

I paid off my XXXX XXXX  credit card account, XXXX, and then closed it as I no longer needed the account. However they continued charging fees, So I had to have my attorney contact Comenity Bank to stop collection activity. The situation was eventually corrected. 
Afterward, there was then a hold placed on my Bealls account at the same time ( Bealls is with Comenity Bank as well ). Upon inquiry why there was a hold, I was told that since I had legal representation with Comenity Bank with the XXXX XXXX credit card, Bealls would not communicate with me directly. 

Then I had my attorney write Comenity Bank a letter to resolve the issue since they now would only communicate with my lawyer, but the bank never responded to my attorney. 
The issue is the bank will not let me use the Bealls card because it is frozen because an attorney is involved. The balance was XXXX at all times during this ordeal, but now they are charging me {$36.00} per month fee on a frozen account. And no one will address the issue and now they are reporting it negatively on my credit. 
I would like the card unfrozen, fees deleted and negative credit deleted.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my team account vulnerable
Product: Mortgage

My husband and I purchased our new construction home in XX/XX/XXXX. We have never missed a payment and I refer to the monthly statement carefully. Our mortgage loan is with Freedom Mortgage and at this point I am contemplating whether we should move to another mortgage company or bank. At the time of closing our Taxes ( payment to Escrow ) was {$220.00}. I would always make a payment of {$2300.00} to {$2500.00}, again never late. In XX/XX/XXXX we did receive an Escrow refund check. I was advised by Freedom Mortgage that this was my money ... I should worry about having to return it to Escrow. Escrow is new to me because with our prior home loan we paid the taxes on our own. In my XX/XX/XXXX and XX/XX/XXXX there was {$0.00} applied to taxes. On XX/XX/XXXXI received a letter from Freedom Mortgage demanding a full payment of {$8800.00} or my payment would increase to {$3300.00}. Neither option was easy for us. The increase in monthly payment was impossible, so my husband and I opted to getting a loan from our 401K retirement account. It still isn't ideal, but we felt we were left with no choice. When I called Freedom Mortgage and in speaking with the Escrow specialist they admitted that it was overlooked. I feel strongly that we were taken advantage of maybe at closing, I am not sure. Is there a possibility to get refunded if it wasn't our fault?
Product: Credit reporting

I have sent Equifax XXXX fraud letters regarding a XXXX account that does not belong to me. They did respond asking for identification and proof of residence, which I sent initially but I sent it again. Have not heard anything back from them. I submitted an FTC Fraud Affidavit that I had notarized at my local bank. It disgusts me that Equifax is allowed to operate a business this way. I 'm on the verge of suing this unethical company. Identity theft is a huge problem in this country and I am a victim of it. I have attached the FTC Affidavit I sent Equifax along with a final certified receipt date XXXX/XXXX/2015.
Product: Debt collection

I was checking my credit report and realized they have a debt as a collection with their company that was paid off back in 2014.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I received an email from GE Capital regarding the alleged debt, in the amount of {$980.00}, for an online payday loan. The email stated my SSN was placed on hold by the US Government and I needed to resolve the matter. In addition, it listed four allegations the XXXX XXXX XXXX XXXX would take against me if not resolved within the specified timeframe. The email further urged me to inform my employer of what was done and the consequences once the case was executed in my name. Not only did it request I inform my employer, it stated that they could report this information to my employer, the FBI, and FTC. It gave me 48 hours to make contact with them, however, provided no telephone number or address for contact. Lastly, the email mentioned the United States of Attorney and lists the sender as the Senior Investigation Officer for Department of Law and Enforcement. 

I am unaware as to what this debt is or the time period it is said to have occurred. This is the only email I have received regarding this " debt '', and to my knowledge, I have not received any telephone calls. I responded via email, as this was the only form of communication given.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 credit bureaus are reporting a public record on my credit that I have no knowledge of and I haven't given no one including third party companies written permission to obtain any information on me and no judicial system releases  information to second or third parties because its illegal and I can sue them.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint as a victim of identity theft, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Enclosed are copies of my police report/identity theft report, my driver 's license, and proof of my current address as verification of my identity.

I recently obtained a copy of my credit file and identified information that does not correspond to any transactions I have made. I am requesting the immediate removal and permanent blocking of the following fraudulent accounts from my credit file. Under FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), I am entitled to have fraudulent information resulting from identity theft removed, and I expect this to be done within 4 days of receipt of this correspondence.

This is not a routine dispute ; I have also filed a complaint with the Federal Trade Commission ( FTC ) documenting my case of identity theft. The following fraudulent accounts must be removed from my credit report : Identity Theft XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX  Account Number XXXX XXXX Please ensure that these accounts are promptly removed from my credit file as required by law. 

Thank you for your immediate attention to this matter. 

Kind regards, XXXX XXXX Enclosures : Police Report/Identity Theft Report, Proof of Identity ( Drivers License ), Proof of Address, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX-ny Inquiry from XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Unions XXXX/XXXX Inquiry from XX/XX/XXXX - Specialty - Shoe, Hat, Etc. 
XXXX/XXXX Inquiry from XX/XX/XXXX + Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Misc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to clear up a wrongful Past due payment from XX/XX/XXXX, they ended up adding another past due for XX/XX/XXXX. I already confirmed with my credit card company that I was never late. This issue has dropped my score more than 100pts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from XXXX Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX and ask the4m to verify the information that was on the report from Ameris Bank they could not they stated that they contact ameris bank but got no response