23daVinci/CFPB_Complaints huggingface dataset:
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 privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX Account XXXX Account XXXX  Account # XXXX Account XXXX  Account # XXXX Account XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX Accout XXXX XXXX XXXX Account # XXXX Account XXXX XXXX XXXX  Account # XXXX Account XXXX  XXXX Account # XXXX Account XXXX  account # XXXX Account XXXX  XXXX Account # XXXX 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 an account without my written instructions 15 U.S.C 1681C ( a ) ( 5 ) Section states no consumer reporting agency may make a 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

On XXXX/XXXX/2016 I requested a freeze on my Equifax credit file over the automated line XXXX. 
The freeze request was accepted. A letter was to follow with my XXXXdigit pin number. 
Over one month later nothing has been received. Equifax has my correct mailing address as I have recently received mail from them. So now I am locked out of my Equifax credit file. 
There is no person customer service number for Equifax.
Product: Payday loan, title loan, or personal loan

I received funds in my credit union account for a loan I did not apply for. I did not notice the funds until a payment came out of my account. I offered to pay the loan back in full for the principal, however I need to pay interest at a crazy rate to pay the loan back. 

I do not believe anything was signed for and if it was electronically, it was not with my knowledge. 

I would like to return the funds and have all of my information removed from the system. 

I already have placed holds on my bank as well as my credit report and working on locating who applied for a loan in my name, however I believe my information was sold from another website, which is also being looked into.
Product: Credit reporting or other personal consumer reports

A XXXX  XXXX XXXX credit card was fradulently open under my name. The account does not belong to me and is negatively affecting my credit report
Product: Credit card or prepaid card

I bought airline ticket with my Apple Credit Card and due to covid-19 the airlines did not travel in my requested dates. The airline ( XXXX XXXX ) didn't process a refund nor answer my phone calls, same with the website I bought the ( XXXX  ) I submitted a claim with Apple customer service and they said that the charge was not fraud. I explained it was not fraud and resubmitted the claim twice. XXXX agreed to give me the money back and never did. Now I go to XXXX website and they said they can't process the refund due to the credit card dispute. Apple is telling me that they can't refund the money because I agreed to the XXXX terms and conditions and they won't give my money back
Product: Debt collection

I had an old Wells Fargo credit card debt. This all started when I decided for my own reasons to try and settle it. I contacted Wells who sold it to XXXX XXXX. I contacted XXXX XXXX who sold it to XXXX XXXX, who sold it to XXXX XXXX XXXX XXXX, who sold it to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX. I confirmed that the principle amount of the debt was {$16000.00}, and that it was " worth '' well over {$50000.00}. I negotiated a settlement of {$2800.00} which I paid that date.

Then on XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Tel. ( XXXX  ) XXXX ). The person on the phone threatened that process servers were being sent out. I asked for what and was told Wells Fargo. I said that I settled that debt already and was told this was a " different debt. '' I should add that I am XXXX XXXX and was quite shaken up by this. I was told it was a {$50000.00} debt, but I could settle it for {$5000.00}. I did not have the money, but borrowed it from my Mother to pay off this debt collector. When I got the letters, I noticed that the two accounts were the same! I contacted XXXX XXXX XXXX  at XXXX XXXX XXXX repeatedly, but he would only suggest that Federal Pacific was fraudulent, and he would not refund my money.

I will submit letters from both firms listing the same accounts.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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: Money transfer, virtual currency, or money service

On XX/XX/24, I used Venmo to put a hold on a XXXX  XXXX item, which turned out to be a scam. I have reported this scam to the FTC. On this same date, when I realized I was being scammed, I stopped payment on the Venmo request with my bank. I also removed all payment accounts linked to Venmo. On XX/XX/24, I received an email from Venmo that they had covered the funds, on my behalf. I called Venmo and spoke with an account representative and they said, per their User Agreement, I was liable for the funds. I am in dispute with Venmo as they provided payment to a different user profile than I originally sent funds to. In other words, the scammers changed their profile name from what I used to something else in a matter of minutes. And in fact, there is a third name that Venmo honored, as discovered on my Venmo history. Three profile names for one transaction is highly suspicious in my opinion. My complaint is that Venmo should not send payment to a User Name that does not match up with the initial User Name request. I also believe Venmo should have reached out to me with the inconsistencies in the transaction before paying it. Venmo apparently uses another payment ID that as a User I am not able to readily find. Venmo has currently frozen my account and has requested I repay them for covering the transaction. I can provide the Transaction ID number for further review.
Product: Credit card or prepaid card

NFCU denied my application for a business credit card after 2 months in review for 2 reasons : credit score below cut off and delinquent credit history. Id be fine with these reasons if they had even the smallest connection to reality, but these are totally false! My credit report is flawless and mentions no delinquent payments, just like my credit score which is close to XXXX points. I reached out multiple times to the credit union in-branch , over the phone and through in-app messaging asking for an explanation. NFCU provided no explanation whatsoever about what the true denial reasons are, provided no copy of the credit report which they used as a basis for their decision and made zero efforts to resolve my concern. NFCUs incompetence in this matter is frightening because it instills deep distrust in their financial organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters to each of the credit bureaus by mail on XX/XX/22 regarding unauthorized inquiries posted on my consumer report. I have yet to receive any response or update regarding my claim. It has been more than 30 days and they have failed to look into this matter. as a consumer I have rights to privacy, which each of these credit bureaus have violated. Equifax, XXXX and XXXX also known as a financial institution have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information being shared to benefit for monetary returns. They are in direct violation of 15 USC 1681 ( b ) - It is the purpose of his subchapter to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, they are also in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which they have failed to do this. I have never given, authorized or verbally consented to any of these transactions.

Please be clear that no consent or authorization is IDENTITY THEFT! Their willful noncompliance has resulted in identity theft which I demand to Cease and Desist! Pursuant to 15 USC 1681a ( d ) ( 2 ) Congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transaction and or experiences to be deleted in accordance with my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported my account as delinquent, but I have disputed the charge altogether because I never, ever, ever received the merchandise from XXXX XXXX. In fact, XXXX XXXX went out of business. 

I have disputed the charge multiple times. My dispute is in fact the subject of another filing with CFPB. 

Despite my dispute, XXXX has reported my account as delinquent. I need your help in getting this corrected.
Product: Credit card or prepaid card

I noticed a hard inquiry on my XXXX Credit Report from XXXX XXXX on XX/XX/2023 XXXX This prompted me to file a dispute to have the inquiry removed. Upon further review of the dispute, I noticed that a Credit Card was issued with a credit limit of {$3400.00} using my personal information on XX/XX/2023. This is identity theft and I am not responsible for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer initiated formal dispute via certified mail with return receipt XXXX, requesting debt validation, as defined by the XXXX Agency has considered investigation complete and disputed account ( s ) " verified '', however ; inaccurate and unauthorized data is still being reported on the consumer credit report, causing great harm and oppression to the consumer and their family. There has been a persistent failure to comply with the requirements of debt validation by both the debt collector ( s ) furnishing the inaccurate information, as well as the Credit Bureau for allowing this unfair practice to impair my reputation and rightful access to consumer credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : 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 XXXXXX/XX/XXXX
Product: Student loan

This is about a company Optima Advocates. They told me they could help me with my private student loans. After 10 years of paying my private loans, I still owed a lot of money. ( The original loan amount was XXXX. I paid XXXXroughly XXXX $ a month on time every month, but still owed XXXX . ) This company told me it was because I had bad loans and because of that I could get my loans fully dismissed. The catch was I had to pay a huge fee upfront to this companyXXXX . This was suppose to go into a holding account and only paid to the company when my case was resolved. And they pointed to my contract that said if they didnt do what they said, I would get a full 100 % guaranteed refund of all my money. I also had to stop paying my private student loan money, which has completely ruined my credit. 

I have already made one complaint to the CFPB about this company not returning my calls or getting back with information. They did get back to me at the XXXX of XXXX but with not much information and then promised more information. I was told in XXXX and XXXX that they would answer my questions about why they charged me with such a high fee, and to clear up conflicting information about what is going on in my case. I still have not been able to get any answers. They said it could take a year to resolve my case. It has been over a year ( I signed my contract XX/XX/2017 ). And I cant get any proof that my loans have been dismissed or any proof that much has been done to justify their huge fee. They wont discuss refunding my money or answer any direct question as to why and what is going on. I spoke with a lawyer about what my rights are and if it is possible to sue them. I told them so, and Optima Advocates said their lawyer would get back to me. But no one has. I call them regularly. And so far have not been able to speak to anyone who has any information other than, I will get back to you or I will have this person call you back. Again, I have no proof that this company is doing what I paid them XXXX to do, meanwhile my credit is still ruined.
Product: Credit reporting

I have sent multiple letters to Experian with regards to the XXXX that is reporting on my credit file. I have informed them on a number occasions that this is not my account. But have not had any success in getting them to remove this account from my credit file. I am in need of your assistance in getting this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still in violation of the FCRA by not removing the inaccurate XXXX account from my consumer report! They have not complied with my most recently submitted complaint submitted through the CFPB portal! Ive requested validation and copies of how they verified the information as being reported accurately, and Ive never been furnished any documentation. They are also reporting the entire account inaccurately by having contradictory charge-off dates! You have XXXX and XXXX as the Dates. You cant have both. The account number is also partially listed. Thats not complete accuracy! Everything has to be completely listed in order to verify the accounts accuracy! Nothing about this account is accurate!
Product: Checking or savings account

A lot has happened this past year and I've definitely felt the struggle and financial consequences of a collapsing economy during the height of a pandemic. I tested positive for XXXX and eventually lost my job. Having done business with Chase Bank in the past, I'm well aware of their credibility in regards to wealth management and also serving their clients. Wanting to do everything possible to protect my assets, I turn to Chase Bank and utilize them as to be my main financial service provider. My account went negative at one point and Chase Bank, without explanation, notification, or any regard to me as a human being, close all accounts I had with them. on top of that they reported, and continue to report false information to the credit agencies claiming they " wrote off '' over {$6000.00}. Has anyone ever, in their life, heard of a Bank allowing a personal bank account go negative that much? I very strongly feel at this point personally attacked as if they " had it out for me '' because of a heated communication not long prior to this event.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a CFPB complaint on Experian ( # XXXX ) for being willfully negligent in their reporting practices on XX/XX/2022. At that time I also requested a decescription of the reinvestigation procedure. Pursuant to FEDERAL LAW, 15 US Code 1681i, Experian was to have that information delivered to me within 15 days. However, once again, Experian has failed to meet its obligation to provide this information as well as provide fair and accurate information on my consumer report.
Product: Prepaid card

On XXXX I was looking through myWisely app ( which is connected to my wisely by ADP payroll card ) and noticed they had a rewards program for cash back when you shop at certain retailers. I was suspicious at first of who the eligible retailers were - there was no way for me to tell on the banks site - so I went out to the terms and conditions and read through them and discovered this was a program through a 3rd party company called XXXX. So I went out to the XXXX website to see the retailers they work with I see XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other- retailers I shop with appear on their website so I decide to opt in - feeling somewhat mollified that the terms and conditions also indicate I can opt out by calling customer service. After opting in it turns out the only retailers participating in the program are smaller independent restaurants- no large retail stores as their website misleadingly indicates. So today I attempted to call the customer service line to opt out- my first call was early in the morning and my call is not able to be escalated because the guy who is working overnight doesnt have anyone to escalate to- that office is closed. So I called back later in the day- I verified my information let the rep know I wanted to opt out per the terms and agreement of the program and am advised that it is not possible to do so. I also advised that I wanted to speak with a supervisor and I am put on hold and eventually disconnected without being able to speak with supervisor- though we verified my call back number when we were verifying my information for security purposes. I call back again and have my call escalated right away making sure that if I am disconnected this time I expect a call back- this time I am able to speak to the supervisor XXXX XXXX XXXX - who confirms that they have no way to Opt out of that program. I advise that I dont need a third party company ( XXXX XXXX tracking my spending when their is no benefit to me and apparently the only way to not have them do that now that I have opted in is to quit using my payroll card wisely by ADP . Supervisor confirms. I clearly indicate that I am disappointed that the terms and conditions of the program can not be met as indicated and I would be submitting a report to CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit company by certified letter asking them to take it off and that it did not belong to me about 6 months ago. They refused and had no prof it is my account. The company reporting is XXXX XXXX for a XXXX account alleged for on X/X/2015. I was never with XXXX I was with another company. I have even asked the credit bureaus and they have denied me my legal right as well. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about the XXXX credit reporting agencies ( XXXX, XXXX, and Equifax ). One financial institution pulled my credit from all 3 agencies at the same time for the same credit but it's reflecting on my report as 3 different hard pulls which is negatively affecting my credit. I have 15 inquiries on my credit, 4 of them are creating triple inquiries. Information in the credit report that isn't disputable is affecting the credit score, XXXX states " insufficient length of credit history '', I've had a mortgage for the last 5 years and have an auto loan that has a 10 year term and I'm 6 years into it. XXXX and Equifax have similar statements " lack of recent insallment info ''. While each of these agencies allows you to dispute the information from the reporting creditor, there isn't a place to dispute the scoring method information they provide which isn't accurate.