23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

BoA opened a credit card in my name to a party in Washington State ( I reside in Michigan ) Shortly after opening this account, I received calls to my personal cell phone from BoA about fraudulent activities on this unauthorized account. I received " welcome to BoA '' letters at my home in Michigan. It seems obvious to me that BoA knew full well they were opening an account and issuing a credit card fraudulently. If BoA ( with whom I 've never done business ) had access to both my cell phone # and my home address, it seems only reasonable to assume somebody there knew this was n't proper. I have suffered no financial loss, but has required a lot of my time to contact credit bureaus to clear my name from this mess.
Product: Bank account or service

On XXXX/XXXX/2016 I made a payment to my Navy Federal Checking Line of Credit, which NFCU claimed on XXXX was returned unpaid. On XXXX/XXXX/2016 my account access for all of my Navy Federal accounts was frozen. I called NFCU to inquire as to why I could not log in to my accounts. At that time the agent attempted to walk me through a password reset of my account. I was still unable to log in. At that time I was advised that my accounts were fine, but that the loans department had placed a freeze on my accounts. That team was unavailable, so I had to call back. 
I called NFCU again on XXXX, and was advised that because my Checking Line of Credit was delinquent, my electronic services had been revoked. I had no access to any of my accounts. I was assured that until I paid what I owed Navy Federal, I could still transfer money between my accounts over the phone to pay things like my car payment and credit card, as well as use my NFCU credit card as long as I continued to remain in good standing on those accounts. 
On XXXX I started receiving notification from places I was making payments to that my payments were bouncing from both my credit card and checking. I called again and asked about what was going on, and was advised that my account was overdrawn. NFCU had removed all money from my accounts to go towards the XXXX balance. An item attempted to clear my account, but was returned. The vendor, XXXX, had another attempt scheduled for that evening, so I asked the agent to have money transferred from my credit card to checking to cover the balance until we figure out what is going on. I was advised at that time that ALL access to anything, including transfers, my credit card, etc. had been taken, and I could not access my accounts until NFCU was paid for the XXXX that was past due. I can not even use the phone to handle my account. 
At this time, I have no access to any of my accounts, and NFCU has caused my checking account to become delinquent as well. I have all of my liquid financial assets with NFCU, and this is causing severe hardship for myself and my family. I received no notice that my accounts would be frozen, especially when I am not delinquent in all that is frozen. I understand that this practice is in direct violation of the CFPB ruling file XXXX/XXXX/2016 labeled " XXXX ''. 
I would like my access restored, and any harm done to my accounts to be reversed, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one student loan account it is in good standing I talk to XXXX On my credit report it showing I have nine installment accounts And they refused to make it into one so it shows on my report as one installment account
Product: Debt collection

On XX/XX/XXXXat XXXX XXXX The company received a certified letter I sent requesting validation for the debt they claimed I owed them. I have no contract with this company. I have sent them a second certified letter claiming I 'd like validationfor the debt they claim I owe. It 's been 30 days since I sent the letters and my credit reports have no been marked as disputed. I have not heard a peep from these individuals. I 'm requesting per fair credit reporting act that these companies be held liable for no following the laws of debt. I have copies of my credit reports and the company did not mark the item as disputed. This company has n't not tried to validate the debt at all.
Product: Credit card or prepaid card

I called Capital One in early XXXX to see if they could send a duplicate card as I share residences and specifically asked to not reissue the card as it was not lost or stolen it was just in a different location and I wanted to make sure the account was not closed due to inactivity as it is my longest credit card account ( over 20 years ). The representative did not listen and instead issued a new card ( telling me that the card number I had for over 20 years was no longer valid ). She said a new card would be mailed, but that anything with the old card number would no longer work. I haven't used the card in over 2 years and recently reactivated a subscription that was previously canceled to which to my surprise was charged to the account I was told no longer worked. I had the card locked through the app and the representative unlocked in early XXXX without my permission and then today I'm told that any previous " subscription '' or merchant that has my card on file can use it and that there is no recourse or operational ability to lock the card to any and all charges. I do not want the account closed as it will hurt my credit score, but I do not want anything charged unless I specifically need to make a charge to keep it open and purposefully and with authorization make that charge. Capital One gave me a po box to send a concern to, which means I am open as a consumer to fraud at any point and they are on notice that the account should not be used and refuse to ensure my safety as a consumer. The only option is to close the account, which would punish me needlessly and without anything being my fault. I am appalled that anything can be authorized without my permission and at this entire situation and feel helpless among a global conglomerate that I had no issue with and was just trying to manage my credit score appropriately. Capital One has stated they do not have a department that handles complaints or issues where they are at fault and wanted me to dispute the charge that the merchant in good faith charged, which is fraud by Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

I transferred cryptocurrency into a Blockchain.com account. Then I transferred the cryptocurrency into a new exchange wallet on XX/XX/2022. As of today, the transfer is still pending and I can not track it. I reached out to support and they said flagged for security check. I advised that I want them to proceed with the transaction and close my account after the transaction is complete which they are failing to do. They are withholding my currency for their own benefits. I asked for an ETA which they failed to provide.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX XXXX XXXX  the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


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

I.m dispute this amount {$640.00} that was unnecessary charge. When the account was close and i dont owned anything on this account and amount with the companyXXXXXXXX XXXX XXXX and under collections and i.m dispute this amount {$640.00}...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter about inaccurate information on my credit report. It has been almost 2 months and I still haven't received any results of an investigation.
Product: Credit reporting, credit repair services, 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. 
I told Transunion to reinvestigate these accounts : Account name : DEPTEDXXXX # XXXX ( ON CREDIT REPORT 6 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 USDOEXXXX # XXXX ( ON CREIDT REPORT 2 TIMES ) XXXX  # XXXX CAP XXXX # XXXX XXXX  # XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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

Re : AFINI.INC Dear AFINI.INC, I have never recieved any written correspondance from this company. AFINI.INC added a collection to my credit reports with XXXX, XXXX, and XXXX that resulted from crime ( s ) that have taken place. This is invalid. I did not recieve any services or goods from the original creditor. However, I am still held resposnsible for this debt. You are hereby in violation of THE FAIR DEBT COLLECTION PRATICES ACT by adding a collection to my credit reports without my knowledge. You're also in violation of THE FAIR CREDIT REPORTING ACT by reporting inaccuarte information to credit reporting agencies. You were notified by the above mentioned credit reporting agencies not only were you frowarded copies of an FTC Identity-Theft Report as well as an Identity-Theft Affidavit. Still you fail to comply with laws enacted by Congress for victims of identity-theft. I am a victim of identity-theft and request that this debt be removed from my credit report. Failure to comply shall lead to legal actions. I will seek punitive damages for defamation of character for my name being assocaited with debts I do not owe as well as your neglilence to adhere to FAIR CREDIT REPORTING ACT. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect item on my credit report, it has been over 30 days and I haven't received any investigation results
Product: Student loan

I sent a {$300.00} payment in addition to the regularly scheduled payment {$410.00} on the student loan with Navient. I included a note with special instructions stating this {$300.00} was to be applied to principal only. Upon checking the account history, the {$300.00} was split {$110.00} to principal and {$180.00} to interest. This student loan was originated XX/XX/XXXX. I am trying to get the loan paid off. On XX/XX/XXXX I had submitted a {$4000.00} check with instructions for this money to go on unpaid interest and fees. Account history shows {$72.00} was applied to principal and {$3900.00} was applied to interest like instructed. Why are the special instructions not being followed? I am trying to get the loan paid off. 

Upon review of account history, the payments have alternating months when interest is greater than principal management.
Product: Debt collection

This is the XXXX complaint that I 'm filing against United Recovery Services since they started to call me like a fool XX/XX/XXXX at XXXX on my home phone and XXXX cell phones. They called me again today at XXXX on my home phone XXXX time, XXXX time on my XXXX cell phone at XXXX and XXXX times on my XXXX cell phone at XXXX and then again at XXXX. My previous XXXX complaints filed gives you an overview of how I 'm being harassed by this debt collector for some reason. For the past XXXX months, XXXX XXXX XXXX ( XXXX ) XXXX has consolidated and have been getting XXXX debts that I owe paid down, paid off, and resolved. But XXXX of these XXXX creditors seems to me to have taken it upon themselves to launch a retribution, harassment, and spite campaign against me, XXXX XXXX XXXX, or both us the way I see it. The creditor, whoever he or she maybe, is using United Recovery Services as a proxy to harass me throughout the day. All along, XXXX XXXX XXXX has been representing me pertaining to these financial matters for about XXXX months now ... since XX/XX/XXXX/XX/XX/XXXX. I 'm not a lawyer, but I feel rights are being violated by calling me after XXXX, calling me on my XXXX cell phones without my permission, and calling me more than XXXX times a day, sometimes XXXX times a day total. This is illegal and criminal if it is being done intentionally.
Product: Vehicle loan or lease

I applied for auto loan with USAA in XX/XX/XXXX for a vehicle. Initial approval amount of {$40000.00} for new vehicle. I later decide on XXXX XXXX XXXX -used vehicle for the total amount of {$26000.00} on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX Tx. 

XXXX submitted the XXXX XXXX XXXX XXXX on XX/XX/XXXX to USAA bank, auto loan timely. Then on XX/XX/XXXX I was informed my loan was denied and I would have to apply for another without clear explainable reason why. Plus the rep stated she was coming on vacation XX/XX/XXXX with no regard to the financial burden on me. 
XX/XX/XXXX I again communicated with USAA concerning new loan request. At that time Rep XXXX stated there was no reason why second was require until he reach out to another division in which was told documentation was not received timely. XXXX records documentation was forward on XX/XX/XXXX via fax and email directly. There seem to be a unprofessional and blatantly failure of accountability on USAA behalf. Which has caused a high interest rate, negative result on my credit rate and a monthly financial burden to my household. They failed to maintain integrity in the Truth in Lending Act under their policies and loan processing relating minority community /individuals overall. This has been ongoing nightmare causing financial struggle of additional cost the loan at {$190.00} more monthly on the second loan from the initial loan cost monthly over 72 months. I was constantly told unfortunately there was were no other resolution then the second loan application. This was intentional cover up on XXXX personnel failure to process my loan timely after signature date of XX/XX/XXXX on my behalf and XXXX. I would like resolution to go back to first loan terms as of XXXX the XXXX. Because they failed to deal in good faith and truth under disclosure of truth and lending after XX/XX/XXXX signature date.
Product: Credit reporting or other personal consumer reports

Request for Certification of Accuracy of Information Need Wet Ink Signature on The Unauthorized Fraudulent Accounts The unauthorized accounts, created without my knowledge or consent, must be immediately removed. Your agency continued inaction violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Given the significant impact this identity theft has had on my life, I demand the removal of the fraudulent accounts from my credit report. This situation has been exacerbated by data security breaches involving Equifax Data Breach ( XXXX XXXX. XXXX ), which exposed my personal information to misuse. I am requesting the immediate removal of these fraudulent accounts from my credit files. The disputed items are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$200.00} ; Open Date : XXXX. XXXX, XXXX Your agency have continue to fail at conducting a timely and meaningful investigation, as mandated under 15 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized ; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an 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, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXXXXXX Balance Owed : {$52.00} ; XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request that the company offices provide me with competent evidence that I have authorized the companies to pull my credit or else remove the inquiries from reporting on my credit report
Product: Debt collection

A number claiming to be Harris and Harris Debt collection contacted me saying that I owe {$50.00} for the XXXX XXXX  toll roads. I have not been to XXXX since before I was able to legally drive. 

They used number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Reporting Credit Report File Number : XXXX Dear XXXX, I am writing to formally dispute the inaccurate and unverifiable information currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure maximum possible accuracy of the information they report and to properly investigate disputes within a reasonable time frame of at least XXXX business days. ( 15 U.S.C. 1681i ).

The following item ( s ) is/are being disputed for failing verification and accuracy standards : XXXX. XXXX XXXX XXXX Basis of Dispute Upon my previous attempts to dispute this information, your methods of verification have proven to be inadequate, incomplete, and invalid. The FCRA requires credit reporting agencies to conduct meaningful and independent investigations ( XXXXXXXX XXXX XXXXXXXX ). Simply contacting the data furnisher without conducting your own investigation does not meet this legal obligation. 
Moreover, the information being reported has no supporting documentation or legitimate evidence provided to me as proof of its accuracy. Your continued reporting of this unverifiable and inaccurate information constitutes a clear violation of my rights under the FCRA. 
Required Action I demand that you immediately delete the disputed item ( s ) from my credit file as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the FCRA when information can not be verified. Failure to do so will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action to enforce my rights. 
Additional Notes Please be advised that I am requesting a detailed explanation of the methods used to verify the accuracy of this information. As mandated by 15 U.S.C. 1681g ( a ) ( 2 ), you are required to provide me with the name, address, and contact information of the original creditor or data furnisher that you relied upon. Without this, the reporting is invalid and must be removed.

I expect a full resolution of this matter within the legally required time frame of 4 days or less ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). Failure to comply with this request will constitute willful noncompliance with federal law, and I will take further action accordingly. 
Please confirm receipt of this dispute and notify me in writing as well as email of the actions taken regarding my file. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for inaccurately reporting late payments on my XXXX XXXXXXXX account. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers of credit information are required to ensure the accuracy of the data they report. Despite this legal obligation, Experian has reported late payments that I believe to be incorrect as I have made payments to this account, yet they have not been updated on my credit report. 

I have attempted to resolve this matter with Experian but have not received a satisfactory response.