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

I have a credit card with penfed credit union based out of XXXX, XXXX. There were series a fraudulent transactions happened on my card on XX/XX/2022 in a span of few minutes gap. I immediately reported the issue and they issued credit for only one transaction and they denied the other two transactions. I have been following with them every day and asking them to investigate the issue as I have not used the card for the two transactions they charged. They refused to give any explanation on the charges and they reported the issue to credit bureaus. I request your kind attention to intervene and remediate the issue. Again, I have not used this card for any transactions. They want me to reopen the transactions as fraud and when I call them they are not responding to the calls. Its impacting my credit score. 

XXXX {$29.00} XXXX TX ; XXXX {$4500.00} ZTLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; These are the transactions that happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure that I part of TransUnion 's glitch that caused information on people 's credit report to disappear and then reappear without notification. According to, FCRA, section 611 paragraph ( 5 ) sub section ( B ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I would hope that Transunion would remove these injuries from my credit report promptly. Due to the fact that I was Notified of them being put back on my credit report. 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It is my personal statement that the accounts that the inquiries that I have listed are fraudulent and need to be deleted pursuant to 15 USC 1681c-2 of the FCRA on clear grounds of identity theft. Also, please update my personal information to reflect accurate records only.

PLEASE SEE ATTCH IDENTITY THEFT REPORT.
Product: Credit card

On XX/XX/year>, I made five separate purchases at XXXX with five separate Chase credit cards ending. Each purchase and was made for {$300.00} and was made to maximize a Chase " offer '' ( i.e. coupon ) for 10 % cash back at XXXX or XXXX up to a maximum of {$17.00} cash back. The charges went pending for several days, then disappeared for a few days, and then finally reappeared as posted charges on XX/XX/year>. I received each order on XX/XX/year>. I did not receive the cash back for triggering the offers so I emailed Chase. They confirmed I met the terms and conditions for the offer/coupon and issued the cash back on that card. I then emailed chase about another card -- again I received an email that I had met the terms and conditions and received the cash back. I then emailed Chase about the missing cash back on my other three credit cards and was told I did NOT meet the terms and conditions of the offer. This is not true as Chase verified I met the terms and conditions for the other two offers made on the same day within minutes of each other. I provided screen shots of the orders confirmations from XX/XX/year>, but Chase states that since the orders weren't billed until XX/XX/year>, that the terms of the offer were not met as it had expired by then. I then received a vague email stating a credit would be made to one account but did not mention which account ( no credit was ever made ). I emailed Chase for clarification and was again told I did not meet the terms and conditions due to the expiration date of the offer and the posting date of the charge. I sent another email to Chase stating that it was unfair that, according to them, I met the terms for two credit card accounts but not the other three. The response from Chase was the same as the past responses -- I didn't qualify. I provided screenshots again of the orders confirmations with dates attached in another email and was told that I met the terms and conditions of a third account and that I would receive the {$17.00} cash back but that I was still ineligible for the remaining two accounts. Again, I emailed Chase stating that it was illogical that I met the terms and conditions for three accounts but not the remaining two. I received a response from Chase on XX/XX/year>, stating that I did not meet the terms and conditions and that I would not be receiving a cash back rebate on the remaining cards. I am still due {$34.00} ( {$17.00} X 2 ) as I met the terms and conditions on ALL cards -- not just three.
Product: Mortgage

XXXX on XXXX/XXXX/2016 at XXXX which in that motion the Plaintiff submitted XXXX assignments of mortgage which XXXX of those assignments is a fraudulent assignment. 
Penny Mac do not have legal capacity, legal authority, legal standing and legal rights. In the motion on XXXX XXXX ,2016 the motion was denied by the court. 
The financial institutions there is not in title too collect the debt. This institution is of inviolatation of the FCRA/FDPCA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ran a background check during a XXXX XXXX and found a erroneous eviction reporting negative on my report, and adversely affecting my ability to get housed for me and my family. I am asking that this information be removed. I have a common name and can possibly be mistaken identity. Jurisdictions Searched ( show ) 1 eviction record ( s ) were found Eviction Record 1 Agency State CA Plaintiff XXXX * XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Defendant Full Name XXXX XXXX XXXX Case Number XXXX Defendant Address XXXX XXXX XXXX ; XXXX XXXX ; CA ; XXXX File Date XX/XX/year> City, State, Zip XXXX XXXX CA XXXX Judgment Date XX/XX/year>
Product: Mortgage

My loan with Ditech Financial L.L.C. XXXX XXXX, XXXX XXXX, SD, XXXX,  Phone XXXX, was paid in full ( closed ) on XX/XX/XXXX. I had set up automatic debit to pay my monthly mortgage with the funds withdrawn from my checking account on the XX/XX/XXXX of each month. No one told me to call Ditech to  stop the automatic payment. Since the loan was pain on XX/XX/XXXX, I did not anticipate Ditech would withdraw my payment on XX/XX/XXXX in the amount of {$2200.00}. When I logged onto my checking account I was horrified to see Ditech withdrew the funds even though the account was closed. I called customer service on XX/XX/XXXX and they stated it was my fault and a separate department handled this matter and they would process a check in 30 days and mail it to me. I asked if they could refund the money to my account electronically and they said NO. I called again on XX/XX/XXXX and spoke with supervisor XXXX, Ditech ID : XXXX,  who stated there was no way to expedite my refund. They will not pay interest on the {$2200.00} they owe me. I think this debit of my money is wrong. Since they have a special department to handle the refunds of automatic debits after the loan is closed, I suggest they do this frequently and use this as a means to earn money and interest on the money to the detriment of the consumer. My initial loan was with XXXX in XX/XX/XXXX and they sold the loan to Ditech. I did not choose Ditech as my mortgage company. I hope your agency will take action regarding Ditech 's practices. I think if I had n't told them to stop the automatic payment on XX/XX/XXXX, they would continue to debit my account without regard for the XXXX balance on the account. Thank you for your considerate attention to the above and I hope you will be able to expedite my refund. I hope there is some recourse against Ditech to prevent this from happening to others.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and there are several fraudulent inquiries, I demand them to be removed. I have attached my filed FTC report as well, the following inquiries need to be removed from my report : SXXXX XXXX XXXX XXXX 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 or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I got a phone from XXXX and the phone broke back in 2015 and I returned the phone from them and I have email confirmation from them saying they received the phone but I never got a knew one so they sold my information to several collection agencies and now Im being harassed for debt that it not owed.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : D167008N1 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 card or prepaid card

I ordered a treadmill on XX/XX/XXXX from a XXXX company XXXX. XXXX is an exercise equipment with a size of a dinner table. I paid with Paypal account. On XX/XX/XXXX after numerous complaints I received a small package from XXXX with sunglasses. Completely different from what I ordered. I disputed with Paypal, but they refused to return me money paid $ XXXX. This is a fraud. Please review the attached documents and images. 
Thank you
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX 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 a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$750.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX since XX/XX/year> when I discovered an account in my name with their company and at the time of incident XXXX XXXX XXXX XXXX XXXX XXXX. I sent letter on XX/XX/year> after contacting them and disputed all claims The items was removed from my credit report XXXX XXXX XXXX on all credit bureaus and now has been reinserted and I have not received no letter from them indicating why this happened. Ive sent email numerous of times and they keep reinserting and it's no way this info should be verified when all supporting documents I gave does not support this account on my credit. the news article and my XXXX XXXX is included in attachments 15 U.S.C. 1681, ET SEQ. 
FAIR CREDIT REPORTING ACT ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
and email numerous of times and they keep reinserting and its no way this info should be verified when all supporting documents I gave does not support this account on my credit.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Jefferson Capital Systems , LLC regarding their handling of the XXXX XXXX XXXX auto loan account on my credit report. The lack of notification, inaccurate reporting, and failure to provide appropriate documentation have raised serious concerns. 

Violations and Requested Resolutions : 1. FCRA 623 ( a ) ( 8 ) - Lack of Notification : Jefferson Capital Systems , LLC failed to notify me of the XXXX XXXX XXXX account, a direct violation of the Fair Credit Reporting Act. 
2. FCRA 623 ( a ) ( 2 ) - Inaccurate Reporting : The inaccurate reporting by Jefferson Capital Systems , LLC regarding the XXXX XXXX XXXX account warrants immediate correction and deletion under the Fair Credit Reporting Act. 
3. FCRA 609 - Failure to Provide Documentation : I have not received any letter or documentation from Jefferson Capital Systems , LLC regarding the XXXX XXXX XXXX account, as required by the Fair Credit Reporting Act. 

I demand : Immediate removal of the XXXX XXXX XXXX account, reported by Jefferson Capital Systems , LLC, from my credit report due to these violations. 
A comprehensive investigation into the lack of notification, inaccurate reporting, and failure to provide documentation by Jefferson Capital Systems , LLC. 

Your prompt attention to this matter is crucial to rectify these violations promptly.
Product: Debt collection

The company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.
Product: Credit reporting

XXXX inquiries were made to my Equifax credit report on XX/XX/XXXX that I did not authorize. They were all made on the same date and were initiated by a local auto dealership, XXXX. 

After a long dispute, XXXX confirmed that they were made erroneously and sent Equifax a letter confirming that they were made in error. This was over a month ago. 

To this date, Equifax has not removed the unauthorized inquiries from my credit and my score is being affected because of it. 

The first inquiry is under the name " XXXX '' on XX/XX/2016. 

The second inquiry is also under the name " XXXX '' on XX/XX/2016. 

The third inquiry is under the name " XXXX '' on XX/XX/2016. 

The fourth inquiry is under the name " XXXX '' on XX/XX/2016. 

The fifth inquiry is under the name " XXXX '' on XX/XX/2016. 

The sixth inquiry is under the name " XXXX '' on XX/XX/2016. 

These all need to be removed from my report as soon as possible. 

I am attaching a copy of the letter that the creditor sent to Equifax so they can review it once more. I do not understand why it has taken so long to remove these unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry on my credit reports
Product: Mortgage

I was inherited a home from my grandmother, for she was getting to old and unable to care for herself, bills and living alone. So, me and my family took care of everything for her as grandma requested. A Heloc mortgage loan was one of her bills from E-loans transferred to Popular XXXX  then transferred to XXXX XXXX Mortgage. 

One day the Mortgage Company called and wanted to speak with my grandma so we had to report that grandma had past and we had been paying her loan for years of only $ XXXX. The mortgage company expressed to me that they would not be able to talk to me since I wasn't on the loan nor could they accept payment from me until they received a death certificate. I sent the death certificate as requested by XXXX and they have not talked to me until we had to go to foreclosure court with their Attorneys.

I have written letters and have made many phone calls as to where to make the payments so we would not fall into default on this loan with no results. I had been paying on grandma 's loan for over 10 years with not one late payment. This company has lied to the courts and said that the loan was in default but this is not the truth they would not accept my payments and they just want my house. I have lately spoken to a gentlemen in loss Mitigation named XXXX XXXX XXXX a foreclosure tech and default manageXXXX but he has stated to me in a email that he will need a copy of the deed to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once more, this 2nd submission of my complaint was to follow up to the XXXX, XXXX and TransUnion Credit Bureaus the assistance for help to have several unauthorized credit inquiries properly investigated and removed if not verifiable from my credit report. I received a copy of my credit report and noticed that there are eleven ( 11 ) unauthorized inquiries listed. The unauthorized inquiries are listed below : XXXX : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes attached Equifax is reporting an alleged open date of XX/XX/XXXX while XXXX is reporting an alleged open date as XX/XX/XXXX for the same alleged credit card debt listed on my credit report. The accounts listed on my credit report have not been validated on neither credit bureau behalf. I am requesting proof which includes original documents baring my signature. 

For another account all three credit bureau are listing the alleged debt as a charge off. I've sent a dispute requesting for proof of the original documents baring my signature and received a response stating account has been " updated ''. Also listed on my report is says " unpaid balance reported as loss by credit guarantor ''. The alleged debt has been sold and the credit card company is in violation of laws listed in my dispute attached.
Product: Checking or savings account

I a writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the 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.
Product: Credit reporting or other personal consumer reports

Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint against all three major credit reporting agenciesExperian, XXXX, and XXXXregarding their failure to accurately report multiple accounts. I have formally disputed the following accounts, but they continue to reflect inaccurate and damaging information on my credit report : XXXX XXXX ( Account Number : XXXX ) Incorrect balance and inconsistent payment history. 

XXXX ( Account Number : XXXX ) Discrepancies in balance and payment status, resulting in a negative credit. 

XXXX XXXX XXXX ( Account Number : XXXX ) Reported collection account with inaccuracies in the date of the last payment and balance. 

XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ) Reported as a charge-off while currently in litigation under case number XXXX. 

These reporting errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy. The inaccuracies on my credit report have caused significant financial harm, hindering my ability to obtain necessary housing and transportation for my family. Additionally, the negative reporting has contributed to mental health issues such as anxiety and XXXX. 


I seek the assistance of the CFPB to ensure that these credit reporting agencies comply with the FCRA and correct these inaccuracies promptly.