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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My ex-husband forged my signature, deposited a check from the XXXX with XXXX our names on it ( after changing the mailing address with the XXXX to his own personal apartment where I have never resided ) and he cashed and deposited our joint check at Navy Federal Credit Union without my knowledge or consent. I was not present when this check was forged and deposited, I did not sign this check, nor did my ex-husband have my ID or permission to do this - Navy Federal to the best of my knowledge did nothing to prevent this from occurring. I have called and visited Navy Federal Credit Union and spoken with numerous representatives there and no one can confirm what their policy and protocol is to prevent such things - XXXX representative at the XXXX branch of NFCU said their policy is to have XXXX named individuals on the check present when the check is cashed and/or the person depositing the check has to have the other person 's ID with them if the other person is not present - neither of these things occurred when my ex-husband forged my name, cashed and stole this money from me at Navy Federal Credit Union. I called and spoke with a representative at NFCU 's Fraud Department and another in their Security Divisions, and they said this is not their policy ; there is a real lack of consistency within Navy Federal to even define what their policy is and how they prevent such things ; I do n't think they know as evidenced by how they have handled this situation. There is a significant lack of care, compassion, security and dedication on Navy Federal Credit Union 's behalf to 1. prevent 2. correct such actions from occurring. What my ex-husband did was a crime and Navy Federal Credit Union did nothing to stop him and facilitated him more or less in doing it by not having stricter enforcement ( or perhaps even any policy to begin with ) that prevents such things from occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX, and XXXX, several times by mail and by phone. This is regarding an account with XXXX XXXX XXXX. I have also contacted XXXX serval times by mail and by phone. The account is reporting on my credit report is inaccurate, not valid, and not meeting FCRA requirements. I have sent 3 letter to each credit burau and three letters to XXXX informing them the account has yet to be removed. The credit bureaus have not provided me any documentation showing how this account was " allegedly '' verified. I have file for identify theft and a credit feezed serval time as my information was apart of a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. However, to my dismay, the process of removal has been unduly prolonged, causing me significant XXXX and inconvenience. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Experian is currently reporting the collection account from XXXX XXXX XXXX Account # XXXX with a past due balance. This is incorrectly reporting and after several attempts, the problem has not been addressed, nor has the reporting been validated or verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 Dept of Ed XXXX
Product: Credit card or prepaid card

I purchased 3 - {$100.00} dollar google play gift cards with my credit card at my local XXXX store on XXXX XXXX 2019. I purchased them originally for my daughter who later I found out owns a XXXX device and not google. Unfortunately, gift cards are not returnable so I decided to try and sell them to someone else at a small discount due to I wanted to recoup at least some money from my mistake. Well, google trigger a possible fraud alert on my 3 gift cards and for whatever reason they will not re-activate my gift cards. I sent in pictures of the cards, receipts and even my bank statement and I get these automated responses from their representatives but no response from this mysterious back office. I find this ridiculous and unacceptable that this big corporation can just hold my money hostage as I already established who owns these cards and who purchased them. I request the CFPB take injunction action immediately and file a formal complaint on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my XXXX credit report and was SHOCKED to see a claim by Comenity CB/XXXX  that I did not meet my obligations. I have paided my XXXX credit card to XXXX  balance. In fact, yesterday, I received a NEW XXXX card in the mail. So, first I want to know why this information is on my XXXX  account ( I want it taken off ) and second, if my payments made to XXXX were SO bad, then why did XXXX send me a NEW credit card. This just does not make logical sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to know why it is that every time something positive happens on my credit report my score reduces or stays the same I have was told by the reporting agencies that if I paid off a collection that was on my account that my score would increase at least by XXXX points it has stayed the same I've paid off this debt the debt was not mine and I was forced to pay it off understanding that I would be increasing my score by XXXX points if I did so I did my part they did not do their part I want to know why I'm being targeted and anything that positive that happens with my credit my score goes down or stays the same I don't understand why they're doing this I would like you to help me
Product: Vehicle loan or lease

want to have paper statements, dont want to go on line to find info
Product: Credit card or prepaid card

I ordered a refrigerator  on XX/XX/2019 and it didn't get through our door. So your delivery people took back same day. However I still get a bill although I called to explain few times. Could you fix this issue?
Product: Debt collection

I wrote a letter to the debt collector AR Resources , Inc. requesting information on the debt they say I owe. I received a letter from them and attached was a generic invoice indicating I owe {$630.00}. It was not from the Hospital and they did not answer any of the questions I asked.
Product: Payday loan, title loan, personal loan, or advance loan

Dispute of Unauthorized Interest Charges and Harassment Account Number : N/A Date of Charge : XX/XX/2023 Amount of Interest Charge : {$1100.00} To Whom It May Concern, I am writing to dispute the unauthorized interest charges on my Kay Jewelers credit account. As of XX/XX/2023, I successfully paid off my entire account balance, and my Kay Jewelers account has been closed. Despite this, I have been subjected to relentless and harassing phone calls regarding additional interest charges, which I believe to be fraudulent and in violation of my rights. 
It has come to my attention that the phone calls from your representatives have been aggressive, threatening, and made at irregular hours, causing significant distress and affecting my overall well-being. Such tactics are unacceptable and in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
I kindly request the following actions to be taken : Immediate cessation of all communications related to the disputed interest charges and any other attempts to collect on the account balance, as it has been paid in full. 
A complete and transparent explanation of how the interest charges were calculated and any relevant terms and conditions. 
A written statement confirming that my account is closed, and no further actions will be taken to collect on any disputed amounts. 
An investigation into the harassing phone calls I have received, and appropriate actions taken against any representatives who engaged in unprofessional behavior. 
I am deeply concerned about the impact this situation is having on my credit score and overall financial well-being. I expect this matter to be resolved promptly and with the utmost professionalism. Please respond to this letter within 30 days as per the Fair Debt Collection Practices Act. 
You can reach me at XXXX or XXXX if you require any additional information or documentation to assist in your investigation. 
I would like to remind you that under the FDCPA, I have the right to request written verification of any disputed debt. Please provide this verification, including any supporting documentation, in your response. 
Thank you for your immediate attention to this matter. I anticipate a swift resolution that will protect my rights and credit standing. 
Sincerely,
Product: Bank account or service

Please, be advised that Navy Credit Union bak, withdrew a money from my checking account to cover a charged off credit card, where we had not such a an agreement when I went to your local branch in XXXX XXXX. Bank teller, specifically, said that I can not tranfer money from on line banking to cover credit card payment, instead I have to go in the branch and make a payment. I do n't know how bank collection department got a liberty to transfered money without my consent, beacuse of that my check returned to merchandise for insufficent fund and also got charge a {$35.00} fee on top of bank a fee of XXXX . 
It was not a specefic date that I had to make a payment in the branch '' just once a month. A nay federal bank should refuded me a XXXX $ fee plus a XXXX $ that charged by merchandise, the totale of XXXX $ should be credit it back into my checking accoun.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

In accordance with the fair credit reporting act the reporting of the following have furnished reports has violated each of my rights : XXXX XXXX XXXX account # XXXX, file # XXXX XXXX XXXX XXXX account # XXXX 15 U.S. Code 1681 602 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I applied for a checking account recently My application was denied based on information provided by consumer reporting agency, Early Warning I contacted the agency, disputed the account in question I received an email from early Warning indicating the refusal to accept that its no my account i am not the owner of this account, i am only aware of its existence as a result of the reporting. 

I have been the victim of recent identity theft, in states of XXXX XXXX, XXXX  and XXXX. I have evidence of this.
Product: Credit reporting or other personal consumer reports

I have requested by mail numbers times that Sagestream, XXXX, and XXXX provide me the information they have on file for me. I still have not received this report.
Product: Credit reporting or other personal consumer reports

A debt is incorrectly reported on our credit report. Please see the previous statement and attachments for details. Thank you.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Jefferson Capitol has reported a debt to all 3 credit bureaus in the amount of {$1000.00}. Jefferson Capitol Systems has ignored my requests to have to debt removed from my credit report stating they have validated the debt. Jefferson Capitol does NOT hold the licensing requires to collect in my State of residence.
Product: Student loan

I'm having a problem with the " Balance '' amount shown on my statements. This is for 2 loans : XXXX and XXXX. The repayment process started on or about XX/XX/XXXX. At that time, my " Balance '' was showing that I owed {$38000.00}. I had a forbearance approved on XX/XX/XXXX when Navient took over the loan. Payments resumed on XX/XX/XXXX. My " Balance '' was {$41000.00}. I've made timely and proper payments every month since then. Payments ranged from {$460.00} to a present amount of {$270.00}. My most recent statement of XX/XX/XXXX shows a " Balance '' of {$41000.00}. 

Why, after almost 6 years and payments averaging about {$300.00} a month, hasn't the " Balance '' decreased? 70 months at {$300.00} a month is {$21000.00}. The " balance '' should have decreased considerably. Instead, it increased from {$38000.00} to {$41000.00}. 

Also, my last credit score went down as a result of this loan increasing. I talked to Navient on or about XX/XX/XXXX and " XXXX '' said that the balance never increases and the credit reporting agency is unreliable
Product: Vehicle loan or lease

I was pre-approved for a car, but they took my down payment before the loan was finalized. After submitting everything they asked for including the down payment, I was denied and now am being told it can take up to 15 days to return my {$5000.00} which I find unacceptable and probably illegal.
Product: Mortgage

On XX/XX/year> I filled out an application with XXXX for a land loan. The lender recommended a HELOC loan to help with the down payment. I was approved for {$55000.00}. On XX/XX/XXXX the lender advised me the loan could not be approved. I did a written cancellation on " The Right Of Recession ''. I received an email back with approval of cancellation.I found a new lender who was able to give me the loan I needed and started to move forward with the process. He did a title search on my home and found a " Deed of Trust '' attached by Homebridge. this had been filed under 24 hours after the HELOC loan was approved. After numerous emails by me and my new lender we were able to have the Deed removed. The deed was on my home for almost 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received an email from Venmo stating that I had cancelled my Venmo account. I had not. I called Venmo on XX/XX/XXXX and was told that on XX/XX/XXXX I had cancelled my account. This is not true. I never initiated an account cancellation and furthermore received no communication until the XXXX of XXXX regarding this. It's extremely concerting and troubling that this was somehow done without my permission or authorization. I have two-factor authentication for my Venmo account and would think this would come into account with such a major thing like cancelling an account. I asked Venmo via phone repeatedly to confirm how this was done and they are unable to provide any answer.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX in regards to account for repeatedly sharing inaccurate information with credit agencies, despite numerous attempts on my part to rectify this issue. Pursuant to 15 USC 6801- 6805 and the Privacy Act of 1974, I have explicitly exercised my right to opt out of the sharing of my personal and confidential information with credit agencies. 

Despite my clear instructions, XXXX has continued to furnish incorrect information to credit agencies, resulting in significant inconvenience, financial losses, and wasted time on my part. As a consumer, I have the right to ensure the accuracy of information contained within my credit report, as outlined in 15 USC 1681. 

I have made multiple efforts to address this matter directly with, to no avail. Therefore, am now seeking intervention from the Consumer Financial Protection Bureau to resolve this issue effectively. I request that XXXX be prohibited from reporting any further information and to delete all currently furnished information to credit agencies without my explicit written consent. 

I have enclosed copies of all relevant correspondence and documentation supporting my complaint for your review and investigation. I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights as a federally protected consumer. 

Thank you for your assistance in this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Unsely information attached to my credit report I can't identify why and how does it applied to my report with out my consent
Product: Debt collection

I disputed this with the company as well as asked each credit bureaus to investigate. Nothing has been done about this debt. I have not any knowledge of this debt prior to it being reported. This is not my debt.
Product: Payday loan, title loan, or personal loan

I received a preapproved offer in the mail. I asked for a loan of XXXX XXXX XXXX XXXX dollars. I was approved and could view the payment dates and amount. But could not view the truth in lending disclosure nor the total interest of the loan tell after I had accepted the loan. I had to have a friend down load a p d f viewer. The loan was funded 0n XX/XX/XXXX. The first payment of XXXX made on XXXX. The second payment was made on XXXX. I called big picture loans on XXXX. Spoke with XXXX on a recorded line. Was told the payoff on the loan is XXXX XXXX XXXX dollars. I said this is a mistake. I 've cancelled bank payments and contacted XXXX XXXXXXXX Attorney General who advised me to file a complaint with the XXXX XXXX Attorney General and provided the phone number.
Product: Debt collection

This company has two accounts showing under my name. I was a victim of identity theft which was reported to the FTC. The company has refused to manually remove these items from each credit bureau resulting in the damaging and misuse of my credit report. This is a violation of 15 U.S.C. 1681 et seq. Please delete them items manually and report them as fraud to all of credit bureaus and original creditors