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

On XX/XX/XXXX my prepaid debit card thru American Express Serve was used at an ATM that was unknown to me at the time. The amount of the debit was {$380.00} plus a {$3.00} fee charged by the ATM along with the {$2.00} fee surcharged by the card issuer. I noticed the debit the same day because I was going to use the funds to pay a bill, I call them right away. A dispute was opened after their normal inquiry specifically asking do I know who used the card and did I share my PIN and did I file a police report. I did not really know what to do at the time, they offered no guidance in terms of what to do to further protect myself such as closing the account, if I would have received advice or known a police report would be essential, I would have done so. The only thing I did was paid a bill with the remaining balance just to get the money out of the account and change of PIN. Whoever skimmed the card kept trying to make withdrawals with each decline transacton resulting in {$.00} in charges. Two charges of {$.00} on XX/XX/XXXX. Three charges of {$.00} on XX/XX/ and two more charges of {$.00} on XX/XX/. I called them again to find out what to do, again no guidance, not even a recommendation to report the card lost/stolen so the fees would stop. I had to initiate that for an extra charge of {$5.00}. Card issuer never addressed the subsequent fees. The 1st dispute was declined with no reason except they found the transaction to be authorized. I reopened the dispute on XX/XX/2019. Went thru the process, made sure I stayed in contact as well as provided a detailed letter requesting favor in the amount of {$390.00} which is the total. On XX/XX/XXXX the dispute was declined again as card issuer indicates again they have evidence to show it was me that made the transaction in which it was not. I called the fraud department again and apparently a dispute can only be done twice. That's it, that's all. They do not volunteer specific reasons, I've had to request the information in which I am still awaiting the 'evidence '.
Product: Debt collection

I reviewed my credit report on XX/XX/2020 and I noticed a collection account from ERC on my credit report for XXXX XXXX bill. I was unaware that I had a balance with XXXX so, I contacted XXXX. Although I didnt remember owing XXXX for service, I submitted and XXXX accepted the payment. Since XXXX accepted the payment, they should have recalled the account from the collection agency -ERC. I filed a disputed via XXXX  for the collection account and ERC verified the debt as valid debt and a valid account for collections.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I realized that this account was a result of an identity theft that took place and this person was making payments on the account since XX/XX/XXXX. My voice was impersonated along with my computer being stolen and this same person opened up other credit cards along with other loans. This has impacted me greatly in terms of getting employment, a vehicle and an apartment as I have been XXXX for a year. I just want this to be over with so that I can move on with my life and this problem has caused me great mental anguish.
Product: Credit reporting or other personal consumer reports

I appreciate the effort made to remove some of the fraudulent items from my file attributed to an alleged identity theft. However, there are still remaining items that require attention. This marks my second complaint regarding identity theft victimization, and I have submitted it to dispute the inquiries in my file resulting from the crime. I have attached my new FTC report # XXXX for your reference. The inquiries I am disputing are unrelated to any transactions for goods, services, or monetary exchanges authorized by myself. Please expunge the reporting of these inquiries from my credit file, which resulted from the alleged identity theft : XXXX****EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. These inquiries are unfamiliar to me. Moreover, the information provided on these inquiries has been deleted from other bureaus, raising doubts about their accuracy. The reported history dates of these inquiries are also unknown to me. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I request their removal.
Product: Debt collection

In XX/XX/XXXX I received a bank statement from XXXX XXXX  XXXX. I contacted the bank to find out what this was since I did not have a XXXX XXXX  XXXX account. They told me there was a total of 2 accounts open under my name.. I did a fraud claim with XXXX XXXX XXXX and ordered my credit report I found a loan that was from a pay day loan type company that was used to deposit the funds to XXXX XXXXXXXX XXXX. I filed a identity theft claim with XXXX and had my credit locked. XXXX XXXX XXXXXXXX sent me a letter saying that they determined that I did not open these accounts and I have the letter which I have submitted along with the police report to the credit bureaus .... Now on XX/XX/XXXX I see another loan that was taken out under my name fraudulently with the company XXXX XXXX for {$2600.00}. Who has now sold the delinquent account to another collection agency, XXXX XXXXXXXX XXXX/Drs Debt recovery solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and now there is a balance of {$4400.00}. it has gone to collections with all three credit bureaus.
Product: Credit reporting or other personal consumer reports

These are inquiries are Fraudulent and I don't recognize them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Nelnet did not have my correct contact information to provide me with the repayment plan after my graduation of the 17 loans I have with them, therefore making my payments on my accounts with Nelnet XXXXXX/XX/2017 late. I called them after seeing the information on my credit report to resolve the issue and have been making payments on time ever since the issue was resolved. My credit report is now ruined due to this mistake, and I am unable to get credit cards, loans, etc.
Product: Checking or savings account

i can no longer open accounts with any bank do to fraudulent activity with my bank of america account in a result of my information being stolen.
Product: Credit reporting or other personal consumer reports

I have asked XXXX and transunion if they could update my credit file and show it to reflect on my credit report, everything 's I login to the website it always says last reported credit score last year in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account, # XXXXXXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, # XXXX U.S. Dept. Of Education. 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
Product: Credit card or prepaid card

Comenity Credit Card ( XXXX Rewards ) MISLED ME, abused me, and put me through financial hardship by neglecting full dusclosure! On XXXX I reached out to the credit card about being defrauded XXXX $ from XXXX XXXX. Since day XXXX, I have told them about what happened. THEY NEGLECTED to tell me a THING about my account being blocked AFTER they got the defrauded {$980.00} back! 

I have ben transparent with this unethical company about the fraud, my police reports, my need in the middle of a move for the funds. I begged them for helped but they mostly ignored my pleas with their MISLEADING generic message that I had nothing to worry because they would not report my account while the fraud was looked into. 

THESE NEGLIGENT REPRESENTATIVES NOT ONCE told me I needed to make payments on the stolen funds so they wouldn't PUNISH ME by blocking me access to my defrauded money they got back. 

I sent them letters, evidence, police reports. THESE IMMORAL REPRESENTATIVES misled me, even as I stressed the problem. NOT ONCE WAS I INFORMED that my account was considered past due, that they would punish ME for the problem, and that even if I made a payment today, they ABUSIVE COMPANY is punishing ME for being victim of fraud! 

THEY IGNORED ME, MY PLEADS, and simply sought to benefit from a thrid-party fraud with MISCOMMUNICATION and NEGLIGENCE. 

I DID NOTHING WRONG. I was not informed ONCE about " being past due '' in NONE of the communications ; they simply said I wouldnt be reported to credit reports. 

THIS IS DIGUSTING! ESPECIALLY BECAUSE SINCE DAY XXXX I BEGGED THEM FOR HELP, and they neglected to be fully honest. Now, this unethical company LIES that this can not be overwritten : Systems dont make themselves up! 

They have provided NO HELP, they punished ME for being victim of fraud, and they DID NOT NOTIFY ME ONCE about what was happening. I wrote to them at least twice a week with evidence and asking questions. THEY NEGLECTED TO INFORM ME of this! 

I am in a dire situation, they knew about it, and now are defrauding me of my defrauded funds! I DID NOTHING WRONG! THEY DID NOT INFORM ME, they are negligent and I demand access to the money! They did not inform me that they would do this!!! 

I should have access to the funds! If they considered the refund of the defrauded funds they should count that as payment and allow me access to the funds. THIS IS DISGUSTING and they chose to neglect me and further abuse me!!!
Product: Mortgage

On XX/XX/2020, I made a mortgage payment in the amount of {$900.00} to Freedom Mortgage through my bank 's online bill pay feature. Unfortunately, there was a typo when I entered my account number on the online bill pay and Freedom Mortgage indicates that they didn't receive the payment ; however, the bank documents indicate that they did. 

I have contacted Freedom Mortgage more times than I can count to try and locate where this {$900.00} went and have it returned or applied to my account. I've provided a copy of my bank statement to Freedom Mortgage demonstrating proof of payment including a tracing number. They keep requesting a submit a new investigation with the same information. 

I'd love for this issue to be resolved and I'd be grateful for any help and advice you can provide.
Product: Debt collection

XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Called my phone to speak to someone else. When hung up on she called my phone back to call me names and uneducated and try to lecture or guilt me into feeling bad for hanging up, and would not let me speak to a supervisor. I have asked this company numerous times to STOP calling me or it would be harassment, I am not even the person they are looking for yet they still call daily. Also when they call they do not say who they are and why they are calling they just ask for the person. They do not identify themselves at all.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX Experian Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, Experian, and XXXX ) : XXXX : Highest reported balance : {$2700.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : $ XXXX balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$2600.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off, '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the Experian report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus. 

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report high lighting the discrepancies and the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to your quick response
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

In XXXX of 2017, I chose not to move forward with XXXX as my cellphone carrier. I had a certain amount of days to return an XXXX XXXX XXXX ( 128 GB ) before I was no longer allowed to get out of the contract. The device was returned to XXXX corporate store in XXXX, NY. The XXXX customer service representative that assisted me that day, whom was responsible for properly documenting that the device was returned, failed to do so. From XX/XX/XXXX to XX/XX/XXXX, I contacted XXXX over 10 times to notify them that I no longer had that phone in my possession. In XX/XX/XXXX, to my surprise, I got a letter in the mail stating that XXXX sent me to collections using the agency XXXX XXXX XXXX XXXX XXXX XXXX. I contacted them on the day ofXX/XX/XXXX through email, sending them the receipt that proved that I returned the device, and they ignored it. From XX/XX/XXXX up until now, I have been fighting both XXXX and XXXX and there has been no corrections to my credit report.
Product: Credit card or prepaid card

Victim of ID theft XX/XX/2023, via electronic device contacted the company and tried to work out the issue. They did a charge off for the amount of XXXX which was show on my credit report. The company is BMG loans at work with account number ending in XXXX. I received a notice from a collection agency named XXXX XXXX XXXX XXXX phone number XXXX dated XX/XX/2023.
Product: Credit reporting or other personal consumer reports

My information has been stolen and used whom ever stolen my information they have use it illegally to apply for credit card acts with many financial institutions. : These is all unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX Federal XXXX XXXX XXXX Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegal inquiries is reported illegally on my XXXX report XXXX, XXXX, and TransUnion reports and must be removed asap. also my XXXX report has many errors including a date of hirth of XX/XX/1984 which is inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX this illegal information must be inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX this illegal information must be deleted from my credit report under section XXXX XXXX XXXX XXXX XXXX ( B ) or the fair credit reporting act. pursuant to section XXXX XXXX Code XXXX ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person XXXX not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. 
And and send the required notifications to all furnishers of this information.
Product: Debt collection

I don't believe that I had this account with these collectors/creditors. I tried a few times to get in contact with them and request ownership proof, but they failed to give me the important paperwork to prove that I actually own this record.
Product: Checking or savings account

On XX/XX/XXXX, the XXXX issued an order against Navy Federal Credit Union, headquartered in XXXX, Virginia. Navy Federal is the largest retail credit union in the United States, with more than XXXX XXXX members with ties to the XXXX XXXX Department of Defense, or XXXX XXXX and their families. The Bureau found that, from XXXX through XXXX, Navy Federal engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 when it charged overdraft fees on debit-card purchases and ATM withdrawals when consumers accounts had insufficient funds at the time the transactions settled even though they had sufficient funds when they made the transaction. Navy Federal knew members were not likely to understand these unanticipated overdraft fees. The Bureau also found that, through XX/XX/XXXX, Navy Federal engaged in unfair acts and practices by charging overdraft fees when it delayed in posting credits to members accounts from funds received through person-to-person payment networks, even though those funds appeared to members to be available for immediate use. The order prohibits Navy Federal from charging either overdraft fee and requires it to pay at least {>= $1,000,000} in consumer redress and a {$15.00} million civil money penalty, along with {$250000.00}, FDIC INSURED in the closing of the consumer 's account.
Product: Credit card

unfortunately due to family circumstances ( tragedy, emotional XXXX ) I inadvertently forgot to cancel auto renew with XXXX on an XXXX XXXX card - XXXX refused to even consider a proration and XXXX XXXX via XXXX will no longer assist former XXXX customers amount in dispute {$170.00} - advise CFPB to demand XXXX cease and desist
Product: Credit reporting or other personal consumer reports

The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I need these inquiries investigated and I require written proof of authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Product: Debt collection

I have spoken to several representatives with Franklin today. I have disputed this bill from the beginning. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXX for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. She then told me she's not sure what the charges are. This was originally placed with XXXX XXXX XXXX and was returned to XXXX XXXX XXXX  and now Franklin is threatening to ruin my credit. We also fall under the Serviceman relief act for military spouses.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I file a complaint with the CFPB XXXX Experian XXXX XXXX about my stolen identity at that time I uploaded the report and FTC report. In less than15 days I got a reply that I was a victim of identity fraud and to do the following reports. My complaint is that evidently they didn't read my complaint because they clear just confirmed the fraud without doing anything. According to 15 U.S. Code 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

so their reply to my complaint clearly show they now that it is a error in my report and it should have been corrected they following are the accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent email to company with requested information and have not to this date receive any written validation of debt.
Product: Money transfers

I used ebay to sell some old electronics. Without notice Paypal placed a hold on the funds in my account sent by the buyers. Paypal agreement states " Paypal may place a Reserve on funds held in your Business Account when PayPal believes there may be a high level of risk associated with your Account. '' My account has been open since 2000, I have a 100 % positive feedback. I emailed PayPal to explain the hold or why they believe my account is " high risk '' - I received NO response. Paypal agreement states " PayPal will provide you with notice specifying the terms of the Reserve '', I received no notice - I emailed Paypal asking for the terms and if future payments are held NO response. I am a long time customer, I am not high risk, Paypal just wants to collect interest on funds that do not belong t them.