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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraudXXXX XXXX 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

I opened credit card account with BMO Harris bank in beginning of XX/XX/2022. XX/XX/XXXX, this year {$99.00} were returned back to my card as returned merchandise. 
But this company stole my money, they not reflected in any statements, neither current balance. ( Today is XXXX ) Help me get back my money please.
Product: Credit card

I was at home when I received a text to approve a charge for over {$1600.00} for a purchase at XXXX XXXX which I immediately declined. I logged onto the Capital One app to find out that there was another purchase for {$840.00}. I called Capital One and let them know I was not at XXXX XXXX and that it was not me that is making these purchases. 

A few days later, I get a letter saying I'm responsible for the {$840.00} because they said my card was used which I called again and told them it was impossible because I was at home with the card. The location it was used was not a place I travel, nor do I like to go, it's not a safe area which I told them. So I filed a police report and called XXXX XXXX. XXXX XXXX wouldn't release the surveillance to me as I'm not a police officer. 

Then I called back Capital One to give the police report to them and they said it wasn't enough as it didn't prove anything. I pleaded with them several times and even asked them to go through my history as I do not shop at XXXX XXXX. I talked to the manager who told me I was screwed regardless.
Product: Mortgage

I refinanced my VA loan with UWM using a VA XXXX. The refinance funded on XX/XX/year> and the wire was sent to UWM but they did not process the funds until XX/XX/year> due to an shortfall in the payoff. This payoff was obtained by UWM and approved by them. They charged me 7 days extra in interest and a late fee once I found out about the short payoff. They did nothing to try to correct this on XX/XX/year> when they received the funds from the title company on an approved payoff from their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Not mine or No knowledge of account successful XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1- Delete Unauthorized credit inquiry : I contacted Transunion in numerous occasions via certified mail to request that they conduct an investigation into an unauthorized inquiry from XXXX XXXX XXXX that I did not authorize. Transunion refused to investigate and allowing these inquiries to hindered my ability to obtain loans and other credit products. I am requesting to have the inquiry from XXXX XXXX XXXX deleted of my credit report now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset that this account is showing up on my credit report as it does not belong to me and I am asking you to delete this account. I'm really disappointed they pushed me into this. I want it removed from my credit report as soon as possible. It's not mine!
Product: Payday loan, title loan, or personal loan

They are garnishing my ssi check and not reporting it to the credit bureau 's not showing its paid on time every month and still the balance is still the same after 3 years of garnishment!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX servicing is reporting debt not owned by me on my experian credit report. Neither XXXX nor Experian will produce the information shared between them. I can not get from either experian or XXXX a copy of XXXX 's response to my dispute. Experian will not tell me what response XXXX provided, similarly, Experian and XXXX have had lawyers look at the alleged note, which specifically says " no personal liability '' and continue to publish false information. 

Please attempt to regulate these people, they dont care what consumers think even if they are lying to others.
Product: Checking or savings account

My son wanted to sponsor a bank account for me through his name and bank account at Navy Federal credit Union at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX The bank asked me to send credentials to them to prove who I was and that it was a two-step process and obtaining the bank account I sent the credentials and never heard from them again so I went in and talked to a banker in person she told me that she would not accept any of my credentials and I have a permanent address in Ohio and have a working address in the state of Florida I have credentials for both addresses she told me that she wouldn't accept anything except the address that was typed in when we try to open the bank account which is my daughter 's address and I told my son make sure you don't put any other address except my own because I have no credentials to show if you do she claims we did my son had started to type my daughter 's address because he's staying there and I stay there when I'm working in XXXX I've been living in Central Florida working there also he backed out of it and typed in my central Florida address. 
So I said to the banker I say I can not give you proof of my daughter 's address because I do not live there and she just kept insisting that I give her proof of my daughters address and she said you'll have to give me the driver 's license and everything and her address and I said ma'am I am not living at my daughter 's home and so I proceeded to say just close the bank account and she says will you have {$5.00} in the bank account I said we'll just relinquish the {$5.00} to me and close the bank account and she said well I can't even do that unless you prove you live at your daughter 's address and it was absolutely insane and so I left and I told the sheriff sitting at the desk what they had just done the sheriff didn't do anything either so I'm filing a complaint against Navy Federal credit Union in XXXX Florida. 
XXXX XXXX
Product: Mortgage

A home I owned with a XXXX and XXXX mortgage from XXXX XXXX XXXX was approved for/and sold at short sale in XX/XX/XXXX. I received a letter in XX/XX/XXXX from Nationstar Mortgage indicating that they were attempting to collect a debt on this property, and may remedy by foreclosure. I replied via letter on XX/XX/XXXX that this property was sold. It came to my attention on XX/XX/XXXX that Nationstar filed a negative claim to my credit files with ( XXXX ) credit reporting agencies. I have been in contact with Nationstar since XX/XX/XXXX. I have provided to Nationstar XXXX times now, the Final HUD statement and ( XXXX ) settlement agreements, XXXX for the XXXX mortgage and XXXX for the XXXX mortgage, from XXXX XXXX XXXX. I was in contact with Nationstar today XX/XX/XXXX and was told that this dispute is still being researched.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I called XXXX XXXX XXXX and spoke to the XXXX  XXXX I believed, and this account is not mine. They do not have any contract or anything that states this account is mines. I request this account to be removed immediately or I will seek legal action and reimbursement for financial damages that this will cost me from the company and credit bureaus that is reporting the fraudulent account on my credit report.
Product: Credit card or prepaid card

On XXXX my XXXX Prepaid Debit card ending in XXXX was used without my authorization or knowledge to make 3 transactions. The transactions occured on CashApp and a Square Payment Processor. Here are the transaction descriptions : 1.SQ*XXXX : {$500.00} 2.CashApp*XXXX : {$500.00} 3.SQ*XXXX : {$500.00} I immediately notified XXXX of my card being used without my permission and was told they couldn't do anything until the transactions posted. It is now 8 days later and the transactions are still pending. I again contacted XXXX, Square and CashApp with all of them essentially blaming the other ones and saying their is nothing they can do. I have been out over {$1500.00} for a WEEK! And I'm being told it will be ANOTHER WEEK before anything can be done. This is absolutely unacceptable.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  department of education XX/XX/XXXX
Product: Vehicle loan or lease

My car was repossessed due to an error on the behave of Wells Fargo Auto CPI Payment Program, They applied unnecessary CPI charges to my loan. The charges associated with this CPI policy have contributed to my car being illegally repossessed and my credit being destroyed for the last 4 years, They try to apologize about the error and try to offer me a check for {$4300.00}. They Kept {$6700.00} and claimed they applied this to unpaid repossession or for the difference I would have received if I would have sold the car I have never received any paperwork or documents of proof of where this money was applied this account has been charged off and Wells forgo already received a credit for this I don't have an account to update so they are pocketing the money and I am out of my {$4000.00} downpayment and {$2500.00} custom wheels and tires I had on the car when the vehicle was illegally repossessed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused sianificant inconvenience and financial loss, and I seek appropriate compensation for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX Account Number 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 states a consumer reporting agency can not furnish a account without a written instructions. 



In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number 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 states a consumer reporting agency can not furnish a account without a written instructions. 


In Accordance with the Fair Credit Reporting Act XXXX  Account Number 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 states a consumer reporting agency can not furnish a account without a written instructions.
Product: Credit reporting or other personal consumer reports

this account has been on my report for more than 8 years and should be removed as soon as possible. XXXX XXXX this account has been on my credit report XX/XX/XXXX statute of limitation for this account that was never mines is harming me
Product: Credit reporting or other personal consumer reports

rights. 


In accordance with The Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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

I called the XXXX XXXX Executive Offices ( Department of Credit Card Case Management to XXXX, my case is # XXXX ) and informed that there is wrong information on my credit report ( the balance on my credit card has been informed wrong to the 3 credit bureaus ). I asked that they fixed this and was informed that they will take whatever time they estimate to resolve my issue and that I have to wait on XXXX ( Rep from Exec Office ) to resolve all other customer cases. 

Today, XX/XX/2019 I called to XXXX and asked about information on XXXX XXXX credit card. They informed that my balance as of XX/XX/XXXX ( date of report to bureaus ) is {$72.00}. I have evidence ( credit card statement for XX/XX/2019 ) that my balance is {$5.00}. I consider XXXX XXXX is violating my right under FCRA because they are not reporting the right information to the 3 main credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft where someone hacked into my network and stole my personal information and opened up some account in my name, which are fraudulent. I have filed a police report and have disputed the information with XXXX, Equifax, and XXXX, but they have not removed the fraudulent account from the credit report as of yet. Please remove immediately because it is affecting my credit rating. Thanks a lot. The accounts which are fraudulent includes : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2018, and XXXX XXXX- Date Opened : XX/XX/XXXX
Product: Credit reporting

Regarding the XXXX XXXX accounts below, these were originally sent to my credit reports incorrectly. Last year after working with them for several months, we finally got the bills straightened out. Attached are letters showing our settlement and then their letters confirming they received payoff and would be removing the accounts from my credit reports. 
Last month, I noticed they were re-assigned new account numbers and resubmitted to the credit bureaus. I believe this is illegal. I believe it 's also illegal to put these back on my credit reports without notifying me in writing at least 30 days in advance - which they did not do. I 've tried unsuccessfully to work with XXXX but they evidently have their records in a complete mess. 
Please have them re-remove these from my credit reports so that I do n't have to take this to court. 
I 'm also going to try attaching a copy of my XXXX 2015 credit report to prove I had clean credit before XXXX did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DRS # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s2, a furnisher has a duty to provide accurate information to CRAs and a duty to conduct an investigation into the completeness and accuracy of the information furnished. An individual may assert a private cause of action for violations 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
Product: Checking or savings account

I am writing to file l a complaint against Navy Federal credit Union involving multiple overdraft fees that 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 transactions.
Product: Credit reporting or other personal consumer reports

Dear Portfolio Recovery associates________________, This letter is being sent to you in response to : Check One ( 1 ) - Notice sent to me on XXXX XXXX, XXXX. 
- Response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a reques t for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provi de me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated i nformation to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against y ou and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Colle ction Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the follo wing Declaration, I will require at least 30 days to investigate this information, during which time all collec tion activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the da te of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request be sent to me immediately.
Product: Credit reporting or other personal consumer reports

XXXX. My name is XXXX XXXX XXXX and not other names as shown on my credit reports. Please correct name on credit file at once. 
XXXXI was not offered credit nor open an account with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, please delete Inquiry from my credit profile immediately. 
XXXX was not offered credit by XXXX XXXX XXXX XXXX  on XX/XX/XXXX, please delete Inquiry from my Credit File immediately. 
XXXX. I did not open an Account nor obtain credit from XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. Please delete Inquiry from my credit report immediately. 
XXXX. I did not open an Account nor obtain credit with XXXX XXXX XXXX XXXX on XX/XX/XXXX, please have Inquiry removed from my credit file immediately. 
XXXX. I did not open an Account nor obtain credit with XXXX XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX, please have inquiry removed from my credit file immediately. 
XXXX I did not open an Account nor obtain credit with XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, please have inquiry removed from my credit file immediately.
Product: Credit card

Venmo, paypal master card, belk XXXX, TJX Rewards Mastercard, Jc penney master card, PC RichardXXXX XXXX Care Credit, Rooms to GoXXXX Paypal Credit AccountXXXX XXXX XXXX Amazon Store Card, HSN CardXXXX Crate and BarrelXXXX XXXX XXXX XXXX Sams ClubXXXX My Walgreens Credit Card, Synchrony XXXX XXXX XXXX XXXX XXXX Synchrony XXXX XXXX XXXX XXXX XXXX, Citgo Rewards Card, Lowes Advantage Card, Synchrony Bank Closed all my accounts on XX/XX/2024 with no notice, letter, email or anything. I am a customer of synchrony bank for 12 years, i never had a late payment, never defaulted, always paid all my accounts on time with much mire than the minimum and many with numerous payments each month. I wrote to the president and told him i was very upset they did this to me and now my credit will be wrecked cause of it. I got a letter non chalant from XXXX XXXX saying the bank can close down an account at anytime without prior notice. They will not re-open my accounts which were all in good standing.. I am devastated over this. I have always paid all my bills ontime.
Product: Credit card

Target Redcard.. They are Pressuring their Consumers to Purchase by saying they have not seen Activity for over a Year, so they will Close account per their Policy I received this Marched XX/XX/2024 and I am appalled as to how they literally are giving Customers an Ultimatum. Basically, either you Purchase or your account will be closed. 
I called this Hotline XXXX. I requested to Speak with a Supervisor in Financial Dept and Spoke to a Regular Customer by the name of XXXX ID # XXXX. When asked why am I not Purchasing I stated because there is nothing in Target I need and what I do need to Repurchase is either not available OR Expensive.. Once I mentioned to her I was going to Report this, this is illegal. She claims its within Targets Policy as they can not Pull my Credit etc etc. Buy not to worry, They will forward Feedback as will give me some time to Think as another Letter will Follow. Really? Again. I could not Emphasize as Reiterate what I stated as to them forcing Consumers to Purchase or will close Card as hurting Consumers Credit by Closing without their Consent. Above all this is not a XXXX XXXX or XXXX. Oh we have Partnered with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a text message from XXXX on XX/XX/XXXX that stated : EQUIFAX REPORT - Your scores went down 43 point on XX/XX/XXXX. Review and confirm/ dispute by, XX/XX/XXXX. Reply with XXXX for more info, I did not respond. A few days later I received a false unemployment claim that has already been reported as fraud today via XXXX. 

I tried calling the number and it kept ringing