23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself at risk of identity theft/fraud due to negligent security protocols in handling consumer information. In attempting to resolve the matter with the company, their only remedy was for them to profit on their gross misconduct by offering to signing me up for " trial periods '' of their paid ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that sold stock immediately prior to the data breach announcement, regardless of whether they were aware of said security breach. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of judgment of who to contact. 

FURTHERMORE, their service of offering a security freeze in compliance with the law is ineffective, as my personally leaked information is sufficient to unfreeze the security freeze without requiring the PIN -- actors with malicious intent could unfreeze my credit simply by saying they " forgot my PIN '' and proving my other leaked details. 

RESOLVED by the above that Equifax is ill-equipped to handle the necessary security protocols necessary to safeguard my and other Americans ' most sensitive data.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 XXXXXXXX XX/XX/2023.
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 posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union 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 transaction.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, previously requested that US BKPT CT AL XXXX be removed from acct as this is fraudulent activity. I originally disputed this claim and Transunion stated that this was verified.They did not provide the means of this verification. 

I took it upon myself to reach out to the US Bankruptcy where they advised that this is not reporting by them and I have provided the documents that were sent to me for proof. 

This is a fradulent as in my previous request they stated that they verified this information and can not tell me who they verified this information with. 

US BKPT CT AL XXXX REF : XXXX Tranunion has continuously defamed my character. I wrote this company to remove this account on XX/XX/2023 and they sent correspondence back stating that this information was verified. I reached out to the bankruptcy court of my region and they stated that they do not report to any credit reporting agencies what so ever that this information may have been provided by a third party XXXX but NOT the bankruptcy court. That means that this company lied and said that this information was verified by the US BANKRUPTCY COURT AND I have proof that it was not. They are also reporting the US BANKRUPTCY COURT AS furnishers which is again not true because the documentation attached is showing that these people do not report this information. This continuous reporting is causing stress and humiliation. I have attached that lettering for your viewing. At this time this continued reporting of my personal information without my consent is causing grave harm to my credit standing. I am stressed that I am not able to obtain housing, cars, or credit card to support my family at this time. They are misreporting my hardship for their companies financial gain. This is causing me to have to pay higher interest rates they I can not afford.
Product: Credit card or prepaid card

XX/XX/2020- Purchased American Express prepaid card from XXXX in XXXX XXXX Va. Card said it would automatically activate once used. 
Called customer service and asked if I could use overseas. They said yes. Time of call to customer service was XXXX eastern standard time. 
XX/XX/2020-attempted to make a purchase online for travel authority at XXXX. Purchase was declined. 
XX/XX/2020-attempted to make purchases in XXXX XXXX. Card was declined 8 times. Called customer service. They charged me a XXXX maintenance fee, made me give social security number, address, phone number, etc. To register the card even though the card said when purchased, that I didn't have to register it. Stayed on the phone from XXXX to XXXX. Results were that they cancelled my card and mailed a new one to an address I no longer live at. I asked what was I supposed to do? Customer service told me that I would have to wait. I had someone go by the post office daily. They got it. Paid money to send it to XXXX. I get it and try to use it. Declined. Call customer service to register it, again. They say card is activated. Try to use ATM in XXXX, per request of Customer Service. It declined. I contacted XXXX from XXXX via American Express and she told me that there is nothing I can do and they will take fees out monthly until the card closes and I will not get any of my money back. XXXX is the highest supervisor that anyone would let me talk to and she said her boss doesn't deal with customers. I can not attach documents. I'm over seas and do not have access to my money via American Express so I can't use a computer. This isfrom my phone and attatched to someones wifi
Product: Credit card

I received an invitation via email from capital one advising I was pre-approved for a secured visa card upon receipt of the requested fully refundable secured deposit of $ XXXX made my deposit payment and the card was mailed out. I used the card one time and upon receipt of my first billing I paid the card off. I attempted to use the card again and to my surprise the card was declined. I tried to use the card a few days later and was declined, After I placed a call to Capital One I was told by XXXX # XXXX XXXX, my account was closed and there was no reason given and he was not able give me any information on the return of my {$200.00} refundable deposit only that I should expect to receive it within 30 days. I submitted a complaint with the XXXX XXXX # XXXXThe response I received back from Capital one was asking me to allow them to investigate the complaint and that I should hear back from them shortly. Nothing thus far so I am requesting Capital One to now pay me interest of on my deposit in addition to late fee 's they would have charged me if I was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 sec 602 states, I have a right to privacy. Under 15 USC 1681 sec 604 section 2, states that a consumer agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

Wells Fargo has been engaging in false misleading practices stating that I owe an alleged debt. I have sent multiple notices and correspondences and they still have not verified under perjury that I owe this alleged debt. They have voluntarily marked my consumer reports " late ' and never told the consumer reporting agencies that the account is being disputed which is also unlawful. They stated that the FDCPA does not apply to them but consistently uses language of a debt collector. They have refuse multiple tender of payments and demanded checks and/or cash and it is unlawful to demand anything. 
I have typed up a Cease and Desist notice demanding the following : 1. Documented evidence including books of accounting 2. Name and address of Original Creditor 3. A Federal stating that I the consumer owe this alleged debt 4. Proof that the corporation is not bound by Article 1 section 10 of the Constitution 5. That the " billing statement '' is really a credit owed to the consumer. 

I gave the company 15 days upon receipt of the notice to provide all that is demanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud items on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. These items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let this fraud inquiry affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify these items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete these items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/year>, three unauthorized transactions appeared on my Citibank account, each listed as a debit card purchase from XXXX XXXX in XXXX, MD, totaling {$1300.00}. The specific amounts were : {$370.00} {$470.00} {$470.00} These transactions were immediately suspicious to me, as I reside in New York, am currently on XXXX XXXX, and have not traveled out of state. Additionally, every other transaction on my statement is from New York, further proving that these charges were not made by me. 
This money was especially critical, as it was my weekly paid XXXX XXXX XXXX, and I was planning to use it to pay my rent due on XX/XX/XXXX. This was the only money I had in my account at the time. 
Upon discovering these transactions, I immediately contacted Citibank and reported them as fraudulent. Citibank opened an investigation and temporarily credited the funds back to my account while the case was under review. I was also issued a new debit card during this time. 
However, on XX/XX/year>, I received a letter from Citibank stating that they had denied my claim, citing that the transactions were PIN purchases and therefore considered authorized. They informed me that the provisional credit would be reversed on XX/XX/year>. 
As soon as I received this letter, I went to Citibanks XXXX, NY branch and spoke with a teller in person. I explained that the transactions were fraudulent, and reiterated that I have never shopped in XXXX, MD. The teller reviewed my account activity and confirmed the unusual out-of-state activity, especially in contrast to my New York-based transactions. She then contacted Citibank customer service on my behalf and submitted an appeal of the denial decision.

Unfortunately, while the appeal is pending, the reversal of the {$1300.00} credit left my account
overdrawn. As a result, my next XXXX XXXX XXXX was used to cover the negative balance, leaving me with no funds. I had to borrow money from friends to prevent further account issues.

Furthermore, despite receiving and activating my new debit card, I am now unable to access my account funds, as my card has been rendered non-functional due to the limited access status placed
on my account by Citibank. When I returned to the XXXX XXXX, I was informed that my account was under restricted access as a result of this dispute, and that I would need to get another new debit card issued. 
This situation has caused me significant financial hardship and stress, especially during a vulnerable time as I care for a XXXX  and depend on these benefits to cover essential living expenses. I respectfully request a full investigation into this matter and a reversal of Citibanks decision, as well as a resolution to the debit card access issues that are preventing me from using my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This personal information is incorrect.I have contacted the credit bureaus to update my information. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX.
Product: Credit reporting or other personal consumer reports

I wish to bring to your attention that, as outlined in my complaint dated XX/XX/XXXX, I have noted the non-compliance with the law ( FCRA 605b ) regarding the removal of fraudulent entries associated with FTC fraud reports # XXXX, XXXX, and XXXX. In my previous communication, I explicitly conveyed that the failure to remove these specified items, inaccurately reported due to identity theft, would compel me to involve legal representation for appropriate action. It is my sincere intention to avoid legal proceedings, and I emphasize the importance of adherence to the law. In this subsequent complaint, I have once again attached my latest FTC reports for reference : # XXXX, XXXX, and XXXX. I reiterate my request for the immediate removal of the fraudulent items, which were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX  XXXX {$2800.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX  Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit card or prepaid card

XX/XX/XXXX-Applied for Chase Freedom 0 % interest on balance transfers and purchases, credit card on Chase website ( saw on XXXX ) XXXX-Had phone conversation with XXXX XXXX from XXXX XXXX branch about no response to my application for zero percent credit card. Told credit report locked. Told him I needed the balance transfer immediately. He transferred me to new accounts. Spoke to XXXX and restated my need for balance transfer. Was told to unlock credit report and call back ; they would run credit and give immediate decision. 

XXXX-Unlocked credit report, called XXXX. XXXX approved application with expedited shipping because I told him I needed a timely balance transfer. Told to activate account and card, and initiate balance transfer. Activated card to discover no balance transfers available at this time. 

XXXX-Scheduled another call with same Chase rep from XX/XX/XXXX for Friday XXXX at XXXX XXXX. He never called! 

XXXX-Called Chase. Spoke to CS and transferred to a Supervisor ( did not get her name ). They both said they have no balance transfer cards at this time. My response was, but you did on XX/XX/XXXX when I applied, followed by, if this is true, I should have been reminded on XX/XX/XXXX & XX/XX/XXXX when speaking with Chase reps. I mentioned I had another call later that afternoon with the first rep I spoke to. I was offered to cancel the card. Further, in my packet received with the card, it states 14.99 % for balance transfers. 

My credit score is above XXXX ; I can go to ANY bank. I applied to Chase because of the 0 % advertised on their website! I also applied because they gave their employees some time off for Juneteenth ;  although I did read a review where they have been unfair to XXXX Americans. In my case, I have been lured by FALSE advertising! No 0 % INTEREST and NO BALANCE TRANSFERS! They ran my credit for a product that I did not apply for! Between XX/XX/XXXX and XX/XX/XXXX the product I applied for was removed from their options list. I guess the reviews were correct as Im XXXX American! 

I will next report my story to the local XXXX NC news as Chase is coming to XXXX XXXX. I reported them to the Attorney General, and next I will contact my attorneys office.
Product: Credit reporting

Numerous requests over the years to remove credit card information from my profile with no results. I have a Superior Court Judge judgement from 1989 attached, showing I 'm not responsible for this account and they will not remove and impacts my ability to get the best rates.
Product: Debt collection

I have told Kays Jewlery to stop calling me since XX/XX/2016. I spoke to XXXX and specifically told her to stop calling me and I will be documenting each call after that and have filled note pads worth of calls. She also threatened to garnish my wages at my new job. She was very intrusive and has not stopped calling. I go through about 15 calls a day. I am in the middle of my debt being paid off through jewelry insurance from my jewelry being stolen but she will not back off me at all and threatening to take my paychecks is the final straw with her.
Product: Credit card or prepaid card

My credit line was increaced to XXXX for COVID-19. I was told this was permanent, and I utilized the credit line. I called and confirmed three times that my credit limit would not be reversed back to the XXXX. Every agent and supervisor said No Way XXXX XXXX we don't give out temporary limits ever.
Product: Credit reporting

I disputed XXXX tradelines with Equifax knowing that they both contained various pieces of incorrect information. The only way that the information could be " verified '' would be if the creditor or reporting agency fabricated/falsified information. I requested the manner of verification used and for the proof/information received, which was not included. Multiple FCRA, Texas Finance Code, and Texas Business and Commerce Code violations that continue to go unheeded. I do have proof and documentation that the information reported is incorrect, but I will not furnish it to the reporting agency to use against me ; rather I have given it to my attorney on retainer.
Product: Credit reporting or other personal consumer reports

I've disputed accounts on my credit report that are from identity theft and they refuse to remove the items. I've submitted proof of identity and address. I've also submitted the documents they've asked for, today ( XXXX, XXXXXXXX XXXX  ) I recieved an email claiming I didn't send proof of identity which is a lie. I've sent proof of identity in prior disputes that aren't older than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX. I believe it was reported in error. 
XXXX XXXX XXXXXXXX Balance : {$760.00}
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXXXX/XX/XXXX