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

One XX/XX/XXXX Navy Federal Credit Union used my joint deposit checking account applying the right of offset to collect money owed on an unpaid single user Visa credit card that was linked to a single user checking deposit account and a line of credit.. There is a Affidavit Judgement entered on XX/XX/XXXX for the Visa account. I was never served nor have I received any district court notices or levy/garnishment. As a direct result the of the suspension ( approx. XX/XX/XXXX ) from Credit Card usage, the linked checking deposit AND savings deposit accounts were completely restricted to deposits only. Meanwhile debiting the restricted checking account for the minimum payment due. Navy Federal knew there was no funds in the account. Also, I did not sign any Security Interest Agreement ( s ) EVER! 

I recently received a Paycheck Protection Program loan under the CARES ACT through XXXX  XXXX/SBA of {$8100.00} on XX/XX/XXXX via direct deposit. Navy Federal has NEVER attempted to apply the right offset my accounts since ( approx. XX/XX/XXXX ) until XX/XX/XXXX, one day after the stimulus direct deposit. With no warning at XXXX XXXX, {$6100.00} was removed from my joint deposit account and applied to the Visa and line of credit, leaving both with XXXX balances. Four hours prior, at XXXX XXXX  I used my Visa Hybrid  Joint Debit Deposit Card for fuel and a sandwich at a nearby convenient store. The PPP funds were still in the account. I spent most of the day trying to convince NFC representatives and well as management to reverse the illegal, fraudulent transactions. I repeatedly informed them about several violations they committed. I managed to capture most of my conversation with the employees using a call recorder app on my phone. They quick to inform me the call was being monitored. I responded in kind. All three representative were quite aware of the violations. Their silence was defining. I was place on hold for a very long time knowing they really didn't know what to do or say. I offered email documented proof several time of their violatons which ALL of them refused to accept. Finally I was given their Attorney 's contact information which I reluctantly accepted. 

I then decide to email ( with an end business day deadline ) NFCU 's executive management as well as their attorney my evidence and excerpts of Federal and State law outlining the numerous violations that were ( at this time ) knowing committed. Two hour later the Manager left a message on my phone. I explained to a new representative the same and received the exact same response. I mentioned that I would escalate matter if their prompt attention was not committed on resolving this problem. I have drafted a motion ( DC-CV-036 ) MOTION FOR RELEASE OF PROPERTY FROM LEVY/GARNISHMENT OR TO EXEMPT PROPERTY FROM EXECUTION to file Friday XXXX, XXXX. I will attempt one additional round of phone calls and emails before filing the motion electronically with the District Court. 

Any help and/or guidance would be greatly appreciated! 

Thank you for your time and attention ... 

COVID-19 FREE!!!
Product: Debt collection

I am a victim of identity theft and breach of information. The information listed below appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and breach of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern the account beow was paid in full twice. The company billed me for account paid in full at the doctors office and by my health insurance. My sosn and I have the same name and share the same primary doctor. This report was done by mistake and should be removed as is paid in full on time. 
thank yiu Grant & weber {$74.00}
Product: Debt collection

Equifax reporting agency is reporting false and inaccurate information on my credit report I have reached out to them on this matter there is a medical debt collection appearing on my credit file that are inaccurate reporting. 

XXXX XXXX XXXX in the amount XXXX. 

I Have reached out to this Agency many times with XXXX disputes for this account is not been properly Investigated the dispute is coming back as accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have tried uploading documents on line on the website and unsuccessful also the accounts that are being reported on my account is a Violation of HIPPA and a complaint Has also been Filed in that matter. the three accounts listed was coved by XXXX XXXX to the original Creditor I owe no debt collector agencies listed above for any debt I have not received any services from these companie nor have any contracts with them they are operating illegally and illegally sharing my healthcare information. and also documents was signed that my healthcare information would not be shared with any third parties so I don't even understand how theses companies has access to my XXXX data
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Submitting this CFPB Complaint to dispute the presence of inaccurate and erroneous accounts on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction of inaccurate or incomplete information from my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. Specifically, the accounts I am disputing are : XXXX XXXX Balance Owed : {$120.00} XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$9500.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$330.00XXXX XXXX XXXX Balance Owed : {$1000.00}. The information contained within these accounts is inaccurate and does not reflect my credit history accurately. I request that you investigate this matter and correct any inaccuracies found. Under section 611 of the FCRA, credit bureaus are required to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires that credit bureaus provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Product: Checking or savings account

I opened a new checking account with the promise of a {$400.00} bonus if I deposited {$15000.00} into my account within 20 days, then maintained that balance for 60 days. The terms state that if I complete these actions, I will receive the {$400.00} bonus. 

I opened the account and funded it with {$15000.00} on XX/XX/2021. 
I maintained a balance of at least {$15000.00} until XX/XX/2021, which is 67 days from XX/XX/2021, fulfilling the requirements. 

Citibank terms and conditions state the bonus will be paid within 90 days of completion of terms. I completed the terms by maintaining a balance of {$15000.00} or more for 60 days as of XX/XX/2021. 90 days past that date is XX/XX/2021, and I have yet to receive the {$400.00} bonus as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm on my credit report is not mine and XXXX won't take it off. I don't know affirm company nor have I ever gave them my personal information
Product: Credit reporting or other personal consumer reports

I have sent them Equifax and XXXX my state issues drivers license my government social security card and also my w2 with my information all showing the same well over XXXX times now they have yet to correct the issue I am unable to retrieve my credit score and my fico scores I have asked multiple times and sent everything they have asked for I need help
Product: Debt collection

PLEASE REFER TO COMPLAINT ID : XXXX FOR SUPPLEMENTAL INFORMATION. 

As noted in my previous complaint : In the latter half of XXXX I was approached by Weltman, Weinberg & Reis, LPA, who informed me that they were acting to collect a credit card debt from XXXX XXXX. My request for Debt Validation was ignored, and on XX/XX/XXXX I was contacted by a law firm asking to represent me in an " upcoming case ''. As it turns out, Weltman, Weinberg & Reis filed a Civil Suit against me. I immediately filed a complaint with the Consumer Financial Protection Bureau, the company 's interim response on XX/XX/XXXX was as follows : " We have placed this account in a compliance review status. We are reviewing the history and background on this account along with the information provided and working to provide a detailed response. Thank you. '' As of XX/XX/XXXX, this status has not changed. 

However, last night on XX/XX/XXXX, I was served my papers in the civil suit, which they apparent have deemed appropriate to move forward with, despite all events predating. My intention is to file a supplemental complaint with the CFPB, and to seek all remedies available to mitigate what has already been an emotionally challenging time. 

The cover papers of the suit are attached for your reference. I ask that these documents be handled with care and respect.
Product: Debt collection

I keep getting a text message from TrueAccord a debt collector tell me to click the link to view my account information which I never click link that could be a published scam website or a site that could upload a virus on your device and damage it I have reply STOP and I am still receiving the same text message after i hit stop and then they called me and I didn't answer I let it to my voicemail box I hit play on my voicemail box to see what the message was and they say they are a IRS debit collector agent and threatening me say i owed them money or they are going to send a IRS XXXX to my house and arrest me.
Product: Checking or savings account

I believe that Citizens Bank illegally reopened a closed account I previously had with Investors Bank. 

In XX/XX/XXXX, I closed the savings account I had with Investors Bank. The account was jointly held with my husband. In XX/XX/XXXX, I received a " Savings Account Statement '' letter ( see attached ) stating that I had an existing account open with Citizens Bank ( Citizens Bank purchased Investors Bank ) with a {$0.00} account balance. The account seemed to have been opened on XX/XX/XXXX. The last four digits of the account referenced in the letter match the closed account I had with Investors Bank. 

The letter states that fees will be incurred if we do not maintain a minimum balance of {$200.00}. However, a " New Account '' waiver was applied to the account so that such fee would be waived for the first four months. The letter implies that Citizens Bank illegally opened a closed account I had with Investors Bank. 

I called Citizens Bank to rectify the issue and they stated that they did not have an open account for me ; however, they refused to confirm as much in writing, which gives me great concern.
Product: Money transfer, virtual currency, or money service

I can not link my account with XXXX
Product: Debt collection

Experian Report # XXXX First of all, a customize night guard should not cost {$1100.00} with XXXX XXXX XXXX XXXX XXXX XXXX. Second, Im that rare debtor that dont like owning anyone anything, so I paid in full after each visit to XXXX XXXX XXXX XXXX 

I went to XXXX XXXX XXXX XX/XX/XXXX for the fitting and paid {$440.00}, I went back when the night was supposed to be in but wasnt on XX/XX/XXXX and paid {$390.00}. A week later the night guard finally came in and I asked the office manager, how much do I owe? She said she ran my insurance and that I overpaid and they owe me {$60.00}. 

I left my job at XXXX XX/XX/XXXX. The office manager called me in XXXX of XXXX and said that I owed {$300.00} ; I recounted my visits and she remembered me. I told her that I no longer worked at XXXX. She said shed run my XXXX XXXX and give me a call back, she never did and they still have sent my {$60.00}. Next thing I know XXXX XXXX XXXX has hired XXXX Accounts to collect the money. 

Attached is my bank statements proving payment in full. Ive sent the same documents to XXXX Accounts, XXXX XXXX XXXX and Experian ; neither of these companies have accepted my proof. 

FYI : I sent the same documentation to XXXX XXXX and XXXX and theyve removed the negative charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and found an inquiry on my Experian report. The company that inquired was Clarity Services on behalf of XXXX XXXX. I have never heard of XXXX XXXX or ever applied for credit with them or any company they are associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the informa- tion in which a company has passed to you. Please delete immediately. 
When the requested above deletions are made, please mail me an updated copy of my credit report. 
Account 1 : XXXX XXXX Account 2 : XXXX XXXX  Kind Regards This account in general is reporting three different times with the same account number as well as different balances.
Product: Credit reporting or other personal consumer reports

This letter is to inform your company that I want to dispute the following items below on my credit profile. 
Account Name : XXXX XXXX XXXX I Account number : XXXX Account Name : XXXX XXXX Account Number : XXXX Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

Also, I would love to know how you completed this investigation because these accounts were opened fraudulent without my consent and I have even tried to contact these companies and they were unable to speak to be regarding these accounts because their reps stated that none of the information on these account verify to me. This should not be the case after your investigation has been completed. How is this possible? I am very interested to learn how your XXXX ( XXXX ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. 
Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, XXXX, AND ACCURATE. This account is not any of the of the above adjectives. I have even provide you with a ID THEFT REPORT AND POLICE REPORT. Please delete this erroneous account immediately! 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

New Information is being submitted : Please send to the Credit Bureaus THIS NOT A DUPLICATE COMPLAINT XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Attn : Equifax Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX From : XXXX XXXX Dear Equifax Dispute Center, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have filed both an FTC Identity Theft Complaint and a CFPB Complaint regarding this matter. I request the immediate removal of the fraudulent information detailed below from my credit report. 


Address Dispute : XXXX : XXXX XXXX XXXX XXXX XXXX Georgia XXXX Current : XXXX XXXX XXXX XXXX Mississippi XXXX FTC Identity Theft : XXXX Fraudulent Accounts : XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX Account : XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX Account : XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX Account : XXXX Balance : {$32000.00} XXXX. XXXX XXXX - XX/XX/XXXX Account : XXXX Balance : {$10000.00} XXXX. XXXX XXXX - XX/XX/XXXX Account : XXXX XXXX {$1200.00} Fraudulent Inquiries : The following inquiries were made without my consent. Someone used my personal information in an attempt to secure an auto loan. I request these inquiries be removed : Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Legal Basis for Removal : Under 15 U.S.C. 1681c-2, I am formally requesting the removal of the fraudulent accounts and inquiries, as I have been a victim of identity theft. This is my legal right to have inaccurate or unauthorized information blocked.

Thank you for your prompt attention to this matter. I look forward to the removal of these fraudulent accounts and inquiries from my credit report. 

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

In accordance with the fair credit reporting act XXXX and XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX  account # XXXX, and XXXXXXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account for XXXX XXXX Bank is fraud and has below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ; 60 days past due ; XXXX date XX/XX/2021 ; XXXX. I have never been affiliated with this company. 


XXXX5 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. Additionally, I don't know this debt.

U.S.C. 1681 c ( a. ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s22 ( A ) ( 1 ) A persons 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 or other personal consumer reports

I just recently looked at my credit report on XXXX. I saw some hard Inquiries that did not have a permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX, XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. Delete this Inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX, XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. Delete this Inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX, XXXX XXXX, XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. Delete this Inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. Delete this Inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX, XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. Delete this Inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX, XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. Delete this Inquiry due to violation of 15 USC 1681b.
Product: Debt collection

This account does not belong to me. I have no idea where this account came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute against an account on my consumer report. The consumer reporting agency responds that the account was verified. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Pursuant 15 USC 1681a ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
If you verified this debt, I would like to know who did you speak with? Who did you interview along with their names and addresses? Name of neighbors and/or friends you spoke with? Please provide all factual and detailed descriptions with this exact information. The consumer reporting agency failed to comply with this request and continues reporting inaccurate information. 

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have educated myself on this credit reporting. Our info is collected against our wishes then sold and sold to us as credit reports. Yet no matter when lenders report our info the credit bureaus take there time to report. And when they do report it takes XXXX and XXXX Score some time to send our scores back to the credit bureaus. But yet an inquire instantly take points away from our credit. But it takes months for our effort in paying accounts down to be reported. My credit has went down a few times with no explanation from the credit who told me I need an outside source. A lawyer that handles this and I know they was referring to XXXX XXXX whom they own. Just like they own XXXX. These provide organizations need to be stopped from controlling our lives. Rather you work for them are not they control you too. My banking account has been compromised several times since 2018 and its because XXXX leak our info that we will never get reformation for in the end. Credit Bureaus are scammers and I need representation thank you