23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Complaint Regarding Unauthorized Inquiries on Credit Report Due to Identity Theft Introduction I am writing to formally lodge a complaint against XXXX regarding the persistent unauthorized inquiries on my credit report, which I have disputed multiple times due to identity theft stemming from various data breaches over the years. Despite my efforts to rectify this issue, I find myself in a frustrating cycle of disputes that have not led to a satisfactory resolution. 

Background of Identity Theft and Data Breaches Over the past several years, I have been a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and numerous inquiries made without my consent. These incidents are often linked to significant data breaches that have affected millions of consumers. As a result, my credit report reflects inquiries that do not accurately represent my financial behavior or creditworthiness. 

Dispute Process with XXXX I have initiated disputes with XXXX on more than XXXX occasions regarding these unauthorized inquiries. Each time, I provided documentation supporting my claims of identity theft, including police reports and affidavits. However, despite following the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ), XXXX has failed to remove these inquiries in a timely manner or provide adequate explanations for their persistence. 

The FCRA mandates that consumers have the right to dispute inaccurate information on their credit reports and requires credit reporting agencies like XXXX to investigate these disputes thoroughly. However, it appears that XXXX is not adhering to these legal obligations, as evidenced by their repeated failure to resolve my disputes satisfactorily. 

Violation of XXXX Rights The continued presence of these unauthorized inquiries on my credit report constitutes a violation of my consumer rights as an American citizen. The FCRA is designed to protect consumers from inaccuracies and fraudulent activities affecting their credit profiles. By allowing these inquiries to remain despite clear evidence of identity theft, XXXX is undermining the protections afforded under this law. 

Request for XXXX XXXX Given the circumstances outlined above, I am requesting that XXXX take immediate action to remove all unauthorized inquiries related to identity theft from my credit report. This request is not only justified based on the evidence provided but also necessary for restoring my credit standing and ensuring compliance with federal regulations. 

I expect a prompt response outlining the steps that will be taken to address this matter. Failure to resolve this issue XXXX compel me to escalate my complaint further through regulatory channels or seek legal recourse. 

Conclusion In conclusion, I urge XXXX to take this complaint seriously and act swiftly in removing the disputed inquiries from my credit report. The ongoing impact of these inaccuracies is detrimental not only to my financial health but also infringes upon my rights as a consumer.
Product: Debt collection

I XXXX XXXX never enter any consumer credit transaction with PORTFOLIO RECOV ASSOC for them to have my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer right to privacy. By PORTFOLIO RECOV ASSOC obtaining my personal information without my consent PORTFOLIO RECOV ASSOC have committed fraud and identity thief. PORTFOLIO RECOV ASSOC furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can't do business with anybody else due to the allege debt PORTFOLIO RECOV ASSOC furnished to my consumer reports.
Product: Debt collection

A collection showed up on my credit report in XXXX of this year ( 2023 ) from an Eastern Account System. I made an attempt to reach out them to collect more information regarding this unknown collection, and to date, they have not been responsive. A letter was mailed out on the XXXX of XXXX of this year ( 2023 ) to both XXXX and XXXX ; however, I have received no communication as to what this account could have even been about. I requested original docs, signatures, and/or statements -- even allowed more than the 30 days turnaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Multiple Dispute Letters were sent out, also last one sent out was a 60 day letter to XXXX and Equifax. They received the last letter XX/XX/2019. I asked them multiple times to verify and delete derogatory item. Please advise. 


Thank You
Product: Credit card

I applied for a JP MORGAN Chase freedom card on the XXXX of XXXX. I was denied I asked a agent why was I denied, I was told I would receive something in the mail to the reason I was denied. I never received a letter at all. I called J.P Morgan Chase again on XXXX the XXXX, XXXX  and asked again why was I denied and I still haven't received an adverse action letter and they were violating the law. The agent I spoke to from J.P Morgan Chase bank said they would review the application again while I was on the phone. The agent then asked me for my social security number again, but said they could not approve me because the things I had on my credit report. Also J.P Morgan is in violation of truth and lending and the equal credit opportunity act especially since my credit card ( social security card ) was used and I received no benefits.
Product: Credit card or prepaid card

I called Netspend on XX/XX/2019 to report suspicious transactions that had came from my account. I filed and Transaction Dispute on that same day. I was told to call back within 10 business days to get the update from my dispute. Upon calling back yesterday XX/XX/2019 at ( XXXX ) I was told that there wasn't nothing they could do about my claim. Because it happened in a different state and I had to wait. To receive papers from the Dispute team in the mail within 7-10 business days after receiving the papers that's when I can call back to see if they will re-open another dispute case. 


On XX/XX/2019 an direct deposit amount of {$1800.00} was put on my Netspend card at ( XXXX XXXX ). And after that direct deposit a {$7.00} fee plan assessment was taken from the card I went to work from 7-3. At ( XXXX XXXX ) an transaction was taken from my account with another card that someone had put in their name in XXXX XXXX. 
1 ). Time of transaction ( 4:09 ) Amount taken from the account {$920.00} 2 ). Time of transaction ( 4:11 ) Amount taken from the account {$300.00} 3 ). Time of transaction ( 4:12 ) Amount taken from the account {$300.00} 4 ). Time of transaction ( 4:13 ) Amount taken from the account {$300.00} 5 ). Time of transaction ( 4:18 ) Amount taken from the account {$16.00} After the transactions was taken from my account I contacted Netspend and they blocked the card ending in ( XXXX ).
Product: Mortgage

My mortgage loan was taken over by Nationstar Mortgage from XXXX XXXX XXXX in XXXX 2015. For 10 years at XXXX I paid my mortgage bi-monthly as a term of my mortgage and there was never a problem, I was never late. I continued this practice when Nationstar took over. I have NEVER missed a payment. Now, they call me constantly telling me I 'm late, when I am not. Apparently they misapplied a payment initially which makes them think I am late. I have assured them that I have not missed a single payment. They are telling me that I now have to pay a private company {$290.00} plus a monthly fee to make my payments like this. Are you kidding me?? When I spoke with them in XXXX, the operator assured me that the misapplied payment had been corrected and that my account was current, but that never happened according to the call I got yesterday. It is very difficult to deal with these people as everyone I have spoken to has difficulty with the XXXX language. Now for the ultimate insult, they are now reporting to the credit bureaus that we ar 30-59 days late on our mortgage. This is slander of the highest degree since my account only shows that I am 15 days late even tough that is not accurate either. I have never been late on this loan and I do n't intend to be treated like this. They are ruining my credit for no reason at all. I will await the result of this inquiry and pursue legal action if necessary.
Product: Consumer Loan

XX/XX/XXXX I opened a Home Depot/Citi Financial Store Credit Card to buy things to remodel my father 's house because of the offer of a Deferred Credit Payment. It sounded very attractive. The large items I bought were replacement windows, Washer/Dryer, Stove, Dishwasher, refrigerator and then smaller item such as throw rugs, paint, hardware, room fresheners. The total beginning balance was about {$12000.00} and I paid it down in large amounts of between {$500.00} and {$1000.00} every month so I was n't worried about the deferred payment as the appliances were more than paid off and the windows as well as the small items were not part of the deferred items. By XX/XX/XXXX there was an additional {$1600.00} on my bill balance and they said it was the deferred payment. In XX/XX/XXXX it happened again. I was paying it down but it kept going up. There was nothing I could do about it. They do not make it clear when you are paying large monthly payments that you are not paying off the deferred payment. In retrospect I should have gone to the store in person to make the payments and make sure the payments were going directly to the Deferred Credit account. I have paid off the bill in full today and closed my Home Depot Account. Please do something to make sure that there is some way to make these payments clear. For the interest charged I could have bought XXXX sets of Washer Dryers instead of XXXX. They are loan sharks and sheisters.
Product: Debt collection

XXXXXXXX XXXX credit card debt total of {$1400.00}. 
They were transfered to a collection company called NAR ( North American Recovery ). I recently paid the amount in full on Friday the XXXX of XXXX. I called and requested a letter of confirmation of payment made by the collection agency but they failed to do so. They told me to call the original credit company XXXXXXXX XXXX  but was asked to give NAR a call back since they were dealing with the debt collection. They took me back and forth and nothing was resolved. They failed to send me a confirmation letter confirming that I have paid the debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with experian credit bureau. Every time I submit a dispute about information not belonging to me there always trying to block what I send. I am a victim of identity theft and Ive sent everything they have asked for from confirming my identity to submitting police reports and ftc reports and all. Recently I submitted paper work to have things blocked on my report and again I sent all the right paperwork over and they still tell me there not going to block it because they need more information which I sent them. Experian has been giving me a hard time for the past few months and its getting out of hand soon as I dispute something that was not mined they says its accordance they agree with the other side even when Ive submitted proof to them and court papers and all but yet there still taking there sides and even lowering my credit scores. My experian lock was taken off a couple of times and I couldnt lock it back. Im tired of Experian being biased towards me then has to end. I will be submitting a cease and desist order to Experian as soon as I finish my motion in court if this does not stop.
Product: Checking or savings account

I had tried to cancel the service, XXXX, from an annual subscription by doing a chargeback claim in XXXX. I had been charged XXXX as well as XXXX. I had been given back the XXXX but it was then informed that XXXX would not allow the subscription to be canceled. At this point, my account had been deleted so I had no way of unsubscribing from the service. I then reached out to XXXX via email support on XX/XX/XXXX where I had told them the issue of my subscription not being active and also had not been given back the payment of XXXX. They then immediately reactivated the account where I was able to watch 2 movies in the month of XXXX on the XXXX and XXXX. Going into XXXX my account again would not allow me to use the services and requested that I pay an additional fee with each movie. Fast forward to XX/XX/XXXX, I looked at my bank transactions and XXXX is still charging my card as if I was paying for a month to month subscription when I was initially charged for an annual one.
Product: Checking or savings account

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

this is my third time reaching out to you all regarding this company and they continually to violate my rights. i reached out and did a complaint with the CFPB hoping that you all will see the evidence and step in but no i have got nothing. please refer to complaint # XXXX-XXXX  and PLEASE look at what i provided and ill attach there response which was ANOTHER violation at this point i don't know what i need to do for you all to see how disrespectful they are as they continue to do it over.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXXXXXXXXXX XXXX Balance : {$1800.00}.
Product: Debt collection

I have automatic credit score updates on my credit card account and one day XX/XX/XXXX, this debt appeared from enhanced recovery corp. 
I disputed it with XXXX and they said it will stay due to info they received. Assuming at this point, maybe I would be contacted about this debt I waited a couple months but received no letters or anything else. 

I disputed this again just a XXXX weeks ago and was told by XXXX that my claim is frivolous and it would remain. This time though I received some contact info about this collection agency. 

I have not tried to call them because of all the horror stories on the consumer complaints website. 

It was recommended that I start here first. Can anyone help me with this.
Product: Money transfer, virtual currency, or money service

On XXXX, I purchased XXXX token from Coinbase during its initial listing. The price per coin was displaying well over XXXX cents despite that fact that the description was listed as a stable coin pegged to the XXXX YEN. The value of the coin continued to increase throughout the day so I made several more purchases to potentially increase my profits. I then received additional tokens from Coinbase which were converted to another token " XXXX '' at XXXX which held even more profit potential. This transaction was completed and a reference code or hash rate of " XXXX '' was assigned. Several hours later, Coinbase halted trading of the XXXX token claiming to be experiencing technical difficulties through an error message listed on the trading tab for XXXX. The XXXX wallet 's Buy/Sell feature was disabled shortly afterwards as well as the ability to Withdraw or Send tokens from customers portfolios. 

A few days later Coinbase representatives withdrew all remaining XXXX tokens from my wallet. Then less then 24 hours later they returned some of these tokens. All withdrawals and deposits were done without reference codes or accompanying email confirmations as all trades, transfers, deposits and withdrawals do per their own user agreement. On XXXX at XXXX Coinbase representatives withdrew all of the remaining tokens within my portfolio totaling approximately {$1000.00} leaving me with a balance of XXXX. This included tokens which were not XXXX and were purchased with USD through my debit card. I reached out to customer support and received no explanation as to why my account had been drained or my trading capabilities limited. Coinbase representatives also restricted my access to trade, buy, sell or withdraw within my linked Coinbase Pro account which have not been reinstated. After reviewing transactions within my portfolio 's ledger it was also clear to see that XXXX totals had been altered several times. This was even done to my completed token conversion transaction into XXXX which is a direct violation of the customer user agreement. I have several screenshots as proof of the tampering in an effort to force losses onto their customers due to negligence or errors.
Product: Bank account or service

XXXX XXXX i received a charge on my account form XXXX ( furniture rental ) for XXXX that was not valid. i filed a dispute that they stated would take up to 10 business days. they came stating i needed to provide documentation that this charge was not valid. but did not ask the vendor to provide documentation that it was.!!! of course they bounced everything in the account that would have been more than covered if the unauthorized charge was not there! the manager at the branch allowed me to withdraw cash pending dispute resolution which i appreciated or else i would not have been able to buy gas or food .. when i called about it i was hung up on by a rude rep who got upset when i asked to speak to a supervisor. This dispute is not being handled correctly or fairly because the bank does not want to refund XXXX in fees. 
then on XXXX/XXXX/15 and XXXX/XXXX/15 i was charged XXXX in fees because of the way the bank posted the payments they bounced out charges for XXXX XXXX XXXX and XXXX to be able to charge the XXXX per day max -- then did it again on XX/XX/XXXX i spoke to a supervisor on XXXX/XXXX/15 who told me the the end of the business day is XXXX so slot of what they charged me fees for technically posted before the end of friday 's business day!!!! the way they handled those fees was underhanded! i asked for documentation for the charges to dispute the fees and was met with resistance. i want documentation about those charges and posting since i am not ok with paying XXXX in additional fees when at most i should have paid XXXX possibly XXXX. Also when i filed a dispute the last time i had a problem with the bank i was told each office has a budget for fee refunds and it took almost 2 weeks to get the refunds i was due since they has to go to other offices who had more money in their budgets for fees.!!!!!!!!!!!!!!!!!!! that is absolutely ridiculous if the bank is wrong and a refund is owed then pay it!!!!!!!!!!!!!!!!!!!! they should not be able to limit how many funds they refund if the BANK IS IN THE WRONG!!!!!!!!!!!!!! i would also like to know the legality of that policy as well. i want the dispute handled the correct way
Product: Mortgage

Lakeview Loan Services, LLC acquired my loan from the original servicer several years ago. This loan is for an investment property I do not live in. Eighteen, months ago I called Lakeview Loan Services to advise them that I had moved from my old address, XXXX XXXX XXXX, XXXX, Ca. to XXXX XXXX XXXX, XXXX, Ca. XXXX. Upon their request, I had switched to paperless billing, so I do not get statements in the mail. I receive notifications each month that the servicer has received my payments. In the month of XX/XX/2018, Lakeview performed an analysis of my impound account and sent the analysis to my old address, not my email or my new address. The new analysis resulted in a rise of my payment of {$66.00} dollars per month. Because of the shortfall, Lakeview charged me three late payments and reported me to the credit bureau as late 3 months in a row. I have had several mortgages in my life and have never had a late payment ever. During this period Lakeview continued to send me emails verifying my payments were received but never contacting me by email or phone of the problem with my account. Upon applying for a new credit card, I was informed that I had 3 30 day lates on my credit reports, the only lates or unpaid bills I have ever had. I contacted Lakeview immediately and remedied the payments but they refused to reverse the late charges or the negative credit reports. I have appealed this with them but they have not replied. I have also contacted the credit bureaus and filed complaints but to date have had no success. Please help me to remedy this injustice. They failed to up [ date my mailing address, failed to call me. failed to email me of a problem even when they were emailing me every month advising that they received my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a preapproval request to Autopay to review potentially refinancing my current car loan. The application stated that a soft credit check would be performed prior to them sending the information along to their lenders, which I agreed to. I received 3 offers based on the information I gave them, and then decided to wait a few days to think it over before deciding.

On XX/XX/XXXX, without my consent, Autopay performed TWO hard credit checks on my profile. I immediately called Autopay to inquire as to why they had performed these, and was told that since they had all the information they needed, they went ahead with the hard credit check and that since I applied through XXXX that was my consent to further process my application. I immediately asked them to close my application, however the credit inquiries remain on my credit report and will negatively affect my score. 

Attached : 1. Email received from Autopay from my initial pre-approval application on XXXX XXXX. Email I received XX/XX/XXXX after I requested they close my application ( note wording that states that they only perform a soft credit inquiry ). 
3. Screenshot from XX/XX/XXXX that shows two hard credit checks from Autopay.
Product: Payday loan, title loan, personal loan, or advance loan

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX {$44000.00} This credit account is the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the XXXX Account # XXXX has violated my rights. 

15 USC 1681, Section 602 states that I have the right to privacy.

15 USC 1681, Section 604 ( a ) ( 2 ) also specifies that a consumer reporting agency can not furnish an account without my written instructions.

Additionally, 15 USC 1666b states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.