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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Experian and XXXX are fraudulently reporting a charge off/Paid account on my credit report. As stated by the IRS, a charge-off/paid off account is considered ordinary income but XXXX is still reporting XXXX as debt. This account is not reflected on my XXXX or XXXX credit reports. This is a violation of 15 USC 1681 ( e ) b, which requires that credit reporting agencies provide maximum accuracy on my consumer credit reports. XXXX has filed this debt on their taxes, yet this company is still currently reporting this as debt on my credit report for the past several years. XXXX is required to provide me with a 1099C and has yet to provide one. I have requested one from XXXX and awaiting their response. This account is not reported on any other credit report except Experian. 
Please block/remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and 15 USC 1681 ( e ) b. Send the required notifications to all furnishers of this information. 
Fraudulent Account : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER LISTED ON CREDIT REPORT : XXXX Enclosed are the following : A copy of my credit report I received from your company. 
The fraudulent items are listed under XXXX XXXX XXXX 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Fair Credit Report Act Section 605B 15 USC 1681 ( e ) b IRS Topic No. 431 Cancelled Debt. 
I appreciate your prompt attention to this matter. Please remove all incorrect and fraudulent off my credit report. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I deposited cash into a ATM machine at XXXX XXXX XXXX that has shared branching with Navy Federal Credit Union. The machine gave me a printed message that it kept my money however it did not show up in my account. I disputed and Navy Federal contacted XXXX XXXX said it did not happen. I have the receipt and screen indicating the machine kept my XXXX. Thereafter Navy Federal withdrew my temporary funds which now has caused my account to go into the negative because of XXXX XXXX lies. THEY GOT CAMERAS AND CLEARLY SEE THE MACHINE DID NOT SPIT OUT ANY MONEY TO ME JUST TOOK DEPOSIT. SOMEONE IS NOT DOING THEY JOB.
Product: Credit reporting or other personal consumer reports

have contacted all companies : XXXX, XXXX, and Experian, and expressed my request for them to remove the inquiries. However, I was informed that they would do so, but they never have. 

They furnished my consumer reports to different companies without a permissible purpose, as per 15 USC 1681b ( 2 ), or knowingly without a legitimate business reason pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ).

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ), for unlawfully furnishing my consumer report on different dates without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless : The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I have been added in several data breaches : Data breaches : Review the data potentially exposed in 10 breaches : XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Email List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX 2019
Product: Debt collection

This complaint is in regards to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX Phone - XXXX XXXX : ( XXXX ) XXXX On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX filed a judgement again me in the State of Kansas in the district court of XXXX County Kansas - Case # XXXX. Garnishment total {$14000.00} I never received any knowledge of this action until I was approached with garnishment by my employer. For the past year my checks have been garnished biweekly for a total payment of over {$7000.00}. With all my payments this past year my new balance is {$8900.00}. 

On XX/XX/XXXX XXXX XXXX XXXX filed another judgement for the same auto loan in the State of Oklahoma in the District Court of XXXX County - Case # XXXX. Now they are seeking additional interest for a total garnishment of {$20000.00} Both garnishments have been sent to my employer. This is beyond harassment. They are malicious. How can they have 2 judgements against me for the same auto loan??? I have already been charged once and I have been paying? Why are they seeking more money. This is illegal. They can't do this. I am contacting a litigation attorney to bring harassment charges and to have the judgements dismissed for malicious intent to obtain unlawful action against me and to get additional money not owed to them.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX sent a incorrect credit file to my credit report resulting in damage to my credit score ( inaccurate late payments and other information ) I have never been late and have the statements to prove it ( XXXX  is XXXX credit card ) They have not corrected the issue XXXX has not corrected the issue Neither have the other credit bureaus Even with sending in evidence including my credit card statements and a email stating they sent the wrong file they sided with a incorrect report even with the evidence The companies are not investigating properly causing damage to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeatedly reached out to all this bureau about inaccurate reporting information on my credit report. They did not resolve the issues. 

XXXX replied to my disputes via email, which I did not give them permission to do as I sent all my disputes via mail. They only emailed back saying the disputing accounts were verified as accurate. I then proceeded to mail them back asking for validation or method of validation, they ignored my request for more than 30 days. 

Transunion has not notified me of any investigations that I had open, nor did they verify or send me method of verification of any of the accounts I disputed. It has been more than 90 says since I have started disputing with Transunion Under the FCRA cra 's are required by law to report accurate and correct information. all three bureaus denied me of that right when they ignored my request for accurate and correctly reporting information on my credit report. under section 15 U.S. Code 1681d
Product: Credit reporting or other personal consumer reports

JPMCB CARD SERVICES derogatory trade. 

Violation of Fair Credit reporting act 15 USC 1681 section 602, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared. This is backed by 15 USC 6801 which states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it verbal, no non verbal, written or implied may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item that they are reporting without my permission. They are acting in violation of the law. Further 12 CFR 1016.7 states that a consumer has the right to opt out at any time. I am opting out officially and lawfully on the record.
Product: Checking or savings account

I have XXXX in my capital one checking that they froze and it's been a year.. my brother has went to the bank twice with his ID I deposited a check into my account for him I think at the beginning of the year and they froze it and the money hasn't been released
Product: Mortgage

I started a " cash out '' refinance of our existing mortgage with Wells-Fargo (  whom I have been a customer with since XXXX ). I began the process XX/XX/XXXX and worked over the last 3 days an average of 4 hours a day to provide, process, expedite and finish the application. Every form, every document I signed, read, discussed was as a " cash out '' refinance and our loan application even showed us with a cash balance due at closing of some {$40000.00} +/-. We locked in the rate yesterday ( XX/XX/XXXX ) and paid about {$530.00} for the lock in, credit report, and appraisal. Today ( XX/XX/XXXX ) our agent XXXX XXXX XXXX ( who sometimes likes to give his mortgage license number but hasn't in the last 2 days ) called to say " He made a mistake '' and our lock in rate of 3.625 % would not be honored because he forgot it was a " cash out finance '' deal. He offered to put us in at a 4 % rate. This is clearly a case of bait and switch. I demand satisfaction and nothing short of this individuals license revocation will satisfy me.
Product: Credit reporting or other personal consumer reports

I am writing this letter in reference to my previous dispute XXXX, submitted to your agency on XX/XX/year>. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiry from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of this unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Bank account or service

I filled XXXX total complaints against a company claiming they are a law firm when NON of their " attorneys '' are registered in the Colorado bar database. The company is called XXXX XXXX " XXXX XXXX ''. I submitted the first complete because they kept billing me & kept deducting from my checking account {$99.00} per month. I canceled XX/XX/2016 and I was billed for the month of XXXX at the birth of XX/XX/XXXX totally {$200.00}. after I filed a complaint with the federal trade commission, they advised me to dispute all of the charges from the company as they did not what was in their contract promised to me as well did NOT provide me any PROOF OF SERVICE and could not report TO ME ANY ACTIVITY they have done in past 7 months. When I signed up with the " credit repair '' company my XXXX score was XXXX. NOW, it has DROPPED TO XXXX!! I contacted ALL XXXX credit bureaus & they confirmed with me that NO ACTIVITY has been done and no dispute letters have been sent/received as I never did receive a letter from ANY of the XXXX bureaus in 7 months. According to one email I sent the company asking for progress or updates, I finally received a response from XXXX Law that they need a credit report in XX/XX/XXXX 3 MONTHS later!!! Shortly after I contacted the Federal Credit Repair Act, I was advised to file a dispute with MY BANK & TO REPORT FRAUD. This is where my bank comes in. Key Bank! After filing XXXX disputes my bank WOULD NOT do anything to PROTECT ME AGAINST FRAUD nor issue me a provisional credit as these charges have caused me financial hardship. I am having to fight WITH MY BANK, KEY BANK and to having to LITERALLY beg my own bank to recover the money that was charged. MOST BANKS will issues the charges reported as fraud within 24-48 hours. KEY BANK has done NOTHING to protect me as a consumer not the mention the XXXX complaints were filed XX/XX/XXXX & XX/XX/XXXX. Still my bank as done NOTHING! The laws we published under the Credit Repair Act were clearly violated and " XXXX XXXX '' still will not provide me with ANY proof of service. As of now, I only have bank statements of the charge as XXXX XXXX has not answered ANY of my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX i sent out a dispute letter for Credit Acceptance Corp with the amount of {$6800.00}. 

I sent off the 611 letter to XXXX that there was inaccurate information reported and i would like if they followed The Fair Credit Report and removed the item from my credit report On the date of XX/XX/XXXX XXXX sent out a dispute letter for Fair collections & outscoring for the amount of {$2300.00}. 

I sent out the section 611 letter to the bureau expressing the inaccurate information that has been reported. i would also like if they removed this item from my credit report.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open - XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400000.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} Chargeoff- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open - XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300000.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400000.00} XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$5100.00} XXXX
Product: Credit reporting or other personal consumer reports

Reporting companies have used my information incorrectly. Allowing my personal information to be compromised with creditors and identity theft. Please remove all collection accounts from profile and late payments
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have found out that the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with the account number XXXX and the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraudulent XXXX I have no association with the above mentioned accounts and address. They do not reflect my factual information and area a breach of my personal information. Please investigate and remove these fraudulent accounts and address from my records immediately.
Product: Credit reporting or other personal consumer reports

Title : Dispute for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) by Experian Description of the Issue : On XX/XX/XXXX, I submitted a formal dispute letter to Experian requesting the removal of fraudulent information from my credit report. This request was made in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.C. 1681c-2, 15 U.S.C. 1681i ( 7 ), and 15 U.S.C. 609 ( a ) ( 2 ). I provided adequate evidence, including an identity theft report, to support my request. However, the bureau categorized my dispute as frivolous, a response that I find inappropriate and unlawful under the standards set by the FCRA. 
Additionally, they failed to meet the legal requirements to : 1. Provide a detailed description of the reinvestigation procedures performed. 
2. Produce physical evidence of original contracts bearing my signature to substantiate the validity of the disputed accounts. 
3. Block the fraudulent account within four business days of receiving my identity theft report. 
Information Related to the Dispute : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX This account is the result of identity theft, and their presence on my credit report violates my rights as a consumer. Despite my efforts to resolve this matter directly with the bureau, no significant action has been taken to correct the inaccurate information, causing financial and emotional harm. 
How This Issue Affects Me : The incorrect and unverified information on my credit report has negatively impacted my credit score, making it difficult to access legitimate credit and causing financial and personal stress. 
What Resolution I Am Seeking : I request that the CFPB intervene to ensure that Experian : 1. Immediately removes the fraudulent account from my credit report. 
2. Provides a detailed description of the procedures used to investigate my dispute. 
3. Complies with the provisions of the FCRA, including blocking fraudulent information within four business days of receiving my identity theft report. 
4. Ensures their practices adhere to federal laws to protect consumer rights. 
Attached Documentation : I am including copies of the following documents to support my complaint : _Identity theft report. 
_Additional evidence related to the disputed accounts. 
_Identity affidavit. 

I hope the CFPB will investigate this matter and take the necessary actions to ensure that Experian complies with federal laws. I am available to provide any additional information required. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My line of credit Account number : XXXX : from XXXX XXXX, Balance is " XXXX '' Not over XXXX XXXX paid off. please see Attachment from XXXX XXXX
Product: Debt collection

I checked my XXXX bank account online last night and noticed that Navy Federal Credit Union conducted an unauthorized charge to my XXXX bank checking account by the collections supervisor XXXX for a payment to a closed credit card account. When we contacted her today, she stated that my wife XXXX ( who was a card user only ) was the one who authorized the ACH charge to XXXX according the the NFCU recording of the conversation XXXX listened to. 

XXXX stated that the recording is NFCU property and we can not listen to the recording. We asked her to escallate this problem to NFCU management. 

We do not believe the response from the supervisor and would like to hear the recorded conversation for ourselves. We would like to escallate this complaint to senior management at NFCU. 

My wife XXXX and I " DID NOT AUTHORIZE A CHARGE PAYMENT TO OUR EXTERNAL BANK via ACH as the supervisor stated that was in the recording. 

We would like to hear the recording to confirm that we authorized an ach payment or allow an independant person within Navy to produce a transcript of the conversation recording. 

Since we are disputing the unauthorized charge to our external bank account we should have the right to hear what the recorded conversation states contrary to what the supervisor states. 

Please feel free to contact me for more details. 
Regards, XXXX XXXX.
Product: Credit card or prepaid card

Hello I was made aware through my email address from Capital One regarding my credit card, and that they are going to close my credit card due to activity of my card being used fraudulently. Well they can produce no fraudulent activity to me when I called and requested it, but said to me in this phone call made around the beginning of XXXX, that they are going to close my credit card account ( credit card # XXXX XXXX XXXX XXXX ) because of 10 transaction charges that have been tried onto my credit card in the 10 months that I have had the account. Yes I admit that during the whole time the pandemic has been going on, that financially I have struggled, but this Capital One Credit Card has the settings set up ( by me ) to deny any charges that are attempted if my account does not have the money to process the transaction. So I am saying how can this bank go against my wishes and allow transactions onto my card, when I have the account set up to not have that happen, and then allow the transactions to happen and use that against to now close this account. This is what I am asking help with and please ask for your help. Thank you! 

XXXX XXXX XXXX cell phone XXXX email
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been compiling, storing, and selling my personal information without my permission. Recently the company experienced a security breach where personal financial information was stolen, including my own. This fact was verified through XXXX. This makes the likelihood of identity theft unacceptably high.
Product: Credit card

I was not allowed to dispute a XXXX dollar charged on my account. The charge was from XXXX. The charge is not authorized. The charge is for a pen scribble on a white chair. My wife and I noticed the pen mark when we checked in. The room was free and my card was swiped foa a " XXXX hold for incidentals '' .I never signed anything and I was not notified of the charge and I never agreed to my card being used as a limitless security deposit. XXXX Bank of America MasterCard I should be permitted to dispute this unfair and unauthorized charge per the fair credit trade act