23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Navy Please perform a full investigation. Navy Federal denied my fraud application without even receiving an Affidavit form on file. I want Navy Federal to perform an honest full investigation on this identity theft crime, as soon as possible. I contacted the police, Ive made police reports, I sent forms and letters to Navy Federal po box .

I want Navy FCU fraud department to rewind the cameras of the inside to the bank the day the crime was committed. I want the names to the Navy FCU representative who gave away {$50000.00} unauthorized.

I would like a full investigation as soon as possible.

I have NOT received cash from the persoanl loan. This persoanl loan is a crime of Identify Theft and should be taking serious. Navy Federal did NOT rewind the cameras inside of the bank, Navy Federal did NOT have an affidavit on file before making a decision to decline my request to investigate, also Navy federal did NOT have an police report on file. This is completely illegal. I want to appeal my investigation application, {$50000.00} fraudulent persoanl loan.

My ID and SSN had been copied and used to perform fraud in my name. Im 100 % sure someone from XXXXXXXX XXXX  have stole my identity. XXXX have a service on the platform where as anyone can sell items. I sold my XXXX  device on XXXXXXXX XXXX platform days before this incident occurred. Since then Im now experiencing fraudulent activities in my name. I did not reset my cellar device which had my information inside my notes. A picture of my debit card, ID and SSN were left inside my old cellphone files. Im 100 % sure a criminal have stolen my full identity and used it to commit fraud. 

Please close this fraudulent account. {$50000.00} persoanl loan is unverified and unauthorized. Someone has stolen my full identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT BEFORE. I REMEMBER REQUESTING AWHILE AGO THAT A FRAUD ALERT BE PLACE ON MY CREDIT REPORT. BUT AFTER EXAMINING MY REPORT TODAY, I STILL SEE THAT THERE IS A BUNCH OF FRAUDULENT INFORMATION STILL APPEARING IN MY CREDIT REPORTS FROM ALL 3 MAJOR CREDIT BUREAUS ( EXPERIAN, XXXX XXXX ). THIS FRAUDULENT INFORMATION INCLUDES CLOSED ACCOUNTS, COLLECTIONS ACCOUNTS, WRONG NAME, S WRONG EMPLOYERS, WRONG ADDRESSES AND INQUIRIES. I WILL LIKE ALL THE CREDIT BUREAUS TO REMOVE AND BLOCK THIS INFORMATION FROM APPEARING ON MY CREDIT REPORT AGAIN. IF NOT ALREADY ON MY REPORT I WILL LIKE AN EXTENDED FRAUD ALERT TO BE ADDED ON MY REPORT. I HAVE NO IDEA WHO THESE ACCOUNTS BELONG TO AND I HAVE NEVER RECEIVED ANY TYPE OF GOODS OR SERVICES FROM ANY OF THE COMPANIES LISTED IN THIS REPORT AND IN MY FTC AFFIDAVIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO IDEA WHO USED MY INFORMATION OR HOW MY INFORMATION BECAME COMPROMISED. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX my Cashapp virtual card was charged {$590.00} and {$65.00} from a company called XXXX. I notified cashapp about the fraudulent charges and they have not refunded my money back to me.
Product: Prepaid card

I have bought a {$20.00} Google Play gift card from XXXX on XX/XX/year>, at XXXX AM. The gift card code is XXXX XXXX XXXX XXXX. I tried redeaming the card on my main google account but it said that it can only be redeemed in the XXXX. So I made a new account and tried redeaming it there, and then this new error about needing more information popped out. I filled it out and gave them the purchase receipt, the back and front of my gift card, name of the store, and location of the store. I got a response from them saying that either my gift card or email was invalid. I tried this 3 times but it resulted in the same answer, I also contacted their support but they just told me to fill in the form. So I did, and got the same answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

LAW OFFICES OF XXXX IS IN VIOLATION OF THE ( F.C.R.A ) AND HAS A COLLECTIONS ON MY XXXX, EQUIFAX AND XXXX CREDIT REPORT THAT IS NOT MINE AND IM NOT RESPONSIBLE FOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my credit report that should be off my credit report. It's been 7 years and it's still on there. I'm asking for it to be removed all of the other creditors has deleted it off my report. Thanking you in advance.
Product: Debt collection

I was contacted by  XXXX   XXXX  (  XXXX  )  XXXX    XXXX   XXXX  , NV a  XXXX   XXXX   XXXX  for  XXXX   XXXX  and  XXXX   XXXX  Fl. I had called the office and spoke with  XXXX  and was set to call her back Tomorrow.  XXXX   XXXX  from  XXXX   XXXX  proceeded to call my elderly  XXXX   year old  mother in law and was verbally abusive and threatening. When I called  XXXX   XXXX  and  XXXX  with this information they told me he went " off script '' and was not reading the script provided to him.  XXXX   XXXX  threatened to be on MY door step here in Massachusetts on  XXXX   XXXX . What his intentions are I do not know. I am on social security  XXXX  and do not make enough to cover what they want. I do not own property. This is a very old debt. When I called  XXXX   XXXX  back to tell him not to contact my mother in law again the phone went right into a message that " This phone is not set up to take calls at this time. '' These kind of threats are very frightening to all involved. Last year  Continental Finance Company had so meone call and personally threaten me. They were reported to the  XXXX  Police Department and were called while I was present in the room. This is not the first time.
Product: Credit reporting or other personal consumer reports

I have reported and disputed incorrect information on my credit file and was given push back or wrong information or misleading information. Equifax has reported inaccurate credit scores in comparison to other companies. Credit reporting errors had a significant impact on my finances. It affected my quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 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 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 items 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 ) (! ) 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

XXXX XXXX  is reporting an inaccurate repossession on my credit reports. I have contacted them requesting all documents concerning this debt and they have failed to respond. 

Furthermore, they are reporting and verifying multiple inconsistencies to each credit bureau. There are XXXX different balances associated with this account, different number for the term of month, last payment dates, last active dates and open dates. If the credit bureaus all get their information from the same place, how are they all reporting very different information? 

It is the responsibility of any consumer reporting agency to report accurate information on a consumers report and it is illegal to verify and report inaccurate information. It is clear that this debt can not be verified as they have not responded to my dispute requesting all documents so I kn ow they have not done so with the credit bureaus. 

I am requesting that this account is deleted as they are in violation of the FCRA and my rights as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 
In accordance with the Fair Credit Reporting act Convergent Account has violated my rights 15 U.S.C 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX : Account numberXXXX XXXX XXXX XXXX XXXX : Account numberXXXX XXXX
Product: Debt collection

This is an old debt that kept getting resold. The company is reporting as if the debt was from XXXX  but the debt is older than that and when I called to speak to them to dispute. The rep took my email down incorrectly then hung up when I tried to tell her she had incorrect info. Earlier in the call she told me that this was my debt and I'm responsible for paying it, even though I have repeatedly disputed this as this is not my debt. I have suffered from identity fraud and never lived at this unit nor signed for it.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$6700.00}
Product: Credit reporting or other personal consumer reports

This account is not closed. I have filed numerous complaints and have notified the company over 50 times. For some reason they keep reporting the account as closed. And the worst part is they said I CLOSED IT. the account is not closed and i didnt close it. I use this credit card every month and the credit limit just increased to XXXX Credit limits dont increase on CLOSED accounts. This account should be reported as OPEN/NEVER LATE. XXXX XXXX card. Account info Account number XXXX Its reporting closed on all three credit reports. Company needs to fix this. 
Attached statements shows account is NOT CLOSED but open and active. 
You can see charges I made and payments I made for the last few months. its an open account!

Why do the continue to report it as CLOSED. makes no sense. its not that hard.
Product: Debt collection

I am being sued by a Midland Credit Management in court of XXXX County, NJ through XXXX, XXXX XXXX XXXX, XXXX law firm for the debt that they did not validate. I have filed my answer with court on time. I have received in the mail interrogatories from XXXX, XXXX XXXX XXXX, XXXX that I responded to. I have mailed them my interrogatories asking to validate the debt and about the Statue of Limitations several times and did not get any answers. They mail me harassment letters wanting me to admit the debt without any validation. I have attached the documents that I have received from the court, XXXX, XXXX XXXX XXXX, XXXX, and my responses to them. I can not obtain any account statements from the original creditor XXXX XXXX. in order to verify the debt and the last date of payment for Statues of Limitations. This account has been charged off as per XXXX XXXX XXXX . and I don't remember any details and don't have any records left.
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. 

XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX, has violated my rights. 


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

XX/XX/2022 I noticed unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX my credit report, someone applied for a credit card in my name. I don't know the amount but the inquiry is on my credit report, I contacted the company and the XXXX  XXXX about this and haven't gotten any satisfaction.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my XXXX XXXX XXXX XXXX since XX/XX/2021. My paypal account : XXXX. has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Confirmation of Account Removal Dear Equifax, I am writing to confirm the removal of the following account from my credit report due to errors and inaccuracies : - **Account Name : ** XXXX XXXX XXXXXXXX - **Account Number : ** XXXX - **Date of Removal : ** Between XX/XX/XXXX, and XX/XX/XXXX Details of the account are as follows : - **Original Creditor : ** XXXX XXXX XXXXXXXX XXXX XXXX XXXX*Account Type : ** Individual account - **Date Opened : ** XX/XX/XXXX - **Status : ** XXXX, XXXX days past due - **Balance : ** {$46000.00} ( as of XX/XX/XXXX ) - **Paid Off : ** {$0.00} - **Monthly Payment : ** Not specified - **Past Due Amount : ** Not specified - **Original Balance : ** {$45000.00} - **Terms : ** Not specified - **Responsibility : ** Individual account I appreciate your assistance in this matter and request a confirmation of the account removal. Please send me an updated copy of my credit report reflecting this change. 

If you require any further information or documentation, please contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of XXXX XXXX RE : Investigation Request to Delete Incorrect collection history To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX XXXX ( Capital XXXX ) { alleged acct open date } XX/XX/2018 { Reason for Dispute } account not mine, fraudulent reporting, delete immediately, does not reflect on XXXX or XXXX. 

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX XXXX
Product: Debt collection

Credit Protection Association is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( Credit Protection Association ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as required by the FCRA, they have failed to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Equifax has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Equifax has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Debt or credit management

I was promised that they would take a set amount a couple times a month and that my debt would be settled with all my open accounts. They only worked on a few and the rest kept accumulating and i ended up being sued on XXXX of them to XXXX XXXX where i had to file XXXX XXXX to get things taken care of costing me even more money- they kept taking money even though i told them to stop - had to argue to get it back and then they still kept all their fees even though i asked for that back since they did not fulfill their promise. They lie and none of them are on the same page. They just kept calling and asking for more money all the time. I started paying them in XXXX of XXXX  and paid more than {$16000.00} and they only settled XXXX accounts, the rest kept charging interest and XXXX of them filed court cases and all they did was ask more for more money knowing i was giving them all i had yet they kept taking fees knowing they were destroying me.
Product: Credit reporting or other personal consumer reports

I'm contacting you once more concerning a critical issue. Despite my previous alerts, my credit report still shows unauthorized inquiries due to identity theft. While you have eliminated some, additional ones persist and new ones have been recorded. It is legally required that you expunge all such inquiries. Thus, I request that XXXX, Equifax, and XXXX Credit Bureaus erase all illegitimate inquiries mentioned in my identity theft report. Below are the items I request to be removed : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name XXXX XXXX  XXXX XXXX : Account # XXXX, Account name XXXX XXXX XXXX XXXX  : Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX  XXXX, Account # 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 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

have tried contacting all 3 credit bureaus as they are reporting my XXXX XX/XX/XXXX as dismissed/closed. This is not the case. Talked to Court today XX/XX/XXXX again, XXXX and talked to my XXXX attorney both said to contact credit bureaus again as they are reporting incorrect information. A letter was provided to me and sent to attorney, according to court records my plan has been completed. ( all creditors on plan were paid in full as agreed ) could not discharge due to within 4 years of XXXX XXXX. This statement is on the court letter, but XXXX was paid and completed. I sent a copy of court BK letter to creditors and all 3 credit bureaus ( XXXX, XXXX and Experian ) and still left incorrect information. Court says bureaus reporting wrong and to go back to credit bureaus. ( which I did ) no change. What this incorrect information causes my credit score to go back to XXXX from XXXX and all the creditors that were paid are now coming back for collections and charge offs. I have all original letters if needed.
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 XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally submit a complaint against Experian regarding their reporting practices, which I believe violate the Fair Credit Reporting Act ( FCRA ) and other consumer protection regulations.

I have discovered that Experian has reported an account that has been officially removed from my credit report. This action appears to contravene the following provisions of the FCRA : 1. **Accuracy Requirement** : The FCRA mandates that credit reporting agencies like Experian ensure that the information they report is accurate and current. Reporting an account that has been removed constitutes a violation of this requirement. 

2. **Consumer Rights** : As a consumer, I have the right to dispute any inaccurate information on my credit report. If Experian fails to investigate my dispute adequately, this too would be a violation of the FCRA.

Additionally, I believe that Experian may be in violation of regulations enforced by the CFPB that protect consumers from unfair practices in credit reporting.

Consumer law prohibits false or misleading credit reporting.

Lastly, Experian has not taken reasonable steps to ensure the accuracy of the information they report. I'm uploading 2 credit reports. Experians app credit report vs XXXX.Experian has not updated this account XXXX XXXX XXXX which has been removed, but is still reporting on XXXX XXXX XXXX 

My rights have been violated, and I request that your office investigate this matter. I am seeking assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely,