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

XX/XX/XXXX the two credit cards used on line for deliveries ( I am XXXX XXXX needing supplies for survival ) XXXX  & USAA both had UNAUTHORIZED TRANSACTIONS of {$8000.00} Not ordered from my phone IP Address & OR Items charged Not Delivered. XXXX  XXXX Data Breach Confirmed my data was exposed. Mail fraud occurred see attatched CRIMINAL INVESTIGATION UNITED STATES POSTAL INSPECTION LETTER dated XX/XX/XXXX USPS ( DELIVERIES NOT MADE. ) See attatched FTC ID Theft case XXXX. * ( BANKS ARE NOT WCAG ADA 2.1 COMPLIANT PER FERERAL LAW* ) See Police Report. See XXXX Confirmation XXXX Reported Disputed NOT FIXED. XXXX  ACCOUNT XXXX USAA ACCOUNT XXXX & USAA   ACCOUNT XXXX ( Despite written requests, the unverified original signatures for deliveries made into my hands & signatures of contract application still remain on my credit report in violation of Federal Law. Federal FCRA Law requires a copy to be held on file. XXXX  is required by law to VERIFY that this information is mine and correct having recieved items charged. In results of investigation you stated these items " VERIFIED '' being " REPORTED CORRECTLY "? ) Who verified these accounts? XXXX  has Not provided me a copy of any original signatures deliveries made into my hands or contracts of application as required under SECTION 609 a1A & SECTION 611 a1A. Furthermore XXXX  has ( failed to provide method of verification as required under section 611 a 7 ). XXXX  please be advised under SECTION 611 5 A of FCRA - you are required to .... " promply DELETE all information which can not be verified '' The law is very clear as to civil liability and remedy available to me ( SECTION 616 & 617 ) if you fail to comply. I DEMAND THESE ACCOUNTS BE VERIFIED WITH ORIGINAL DOCUMENTATION of delivery made into my hands and all application contract signatures. ** XXXX  DATA BREACH OF XXXX NOT EXPOSED UNTIL XXXX PROBABLY CAUSED THESE BANK FRAUDS. PER XXXX  BREACH SITE MY DATA IS ON DARK WEB FOR FUTURE FRAUD ALSO & XXXX  HAS NOT PROVIDED ANY RELIEF OR RESTITUTION. MILLIONS AMERICANS WERE EXPOSED. WHY IS XXXX   ALLOWED TO HARM SO MANY WITHOUT ANY REPERCUSSION OR RESOLVE? American CONSUMERS & BANKS LOSS BY XXXX  IS NOT RESOLVED ( 3 ) THREE YEARS LATER. WHY ARE THEY ABOVE THE LAW? I AM XXXX ON XXXX XXXX AT HOME AMERICAN TAXPAYING CITIZEN OF XXXX YRS LOSS OVER {$8000.00} TARGETED BY PROFILE NO PROTECTION. & NOW VIRUS??
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX a home I owned was foreclosed. 

XX/XX/XXXX, more than 7 years after the foreclosure, Newrez LLC XXXX Shellpoint Mortgage Servicing, reported a heloc, account # XXXX, for the foreclosed property on my credit, in the amount of {$3600.00}, showing payments 180 days late, including a last payment date of XX/XX/XXXX. I never had an account with this company, nor made any payments on this loan. 

This account was never reported on my credit prior to XXXX of XXXX. 

I have contacted Newrez XXXX Shellpoint, provided them with the Foreclosure Deed. However, they refuse to remove it from my credit, or to provide evidence of the payment they reported on my credit as made on XX/XX/XXXX.
Product: Checking or savings account

As of XX/XX/2023, a total amount of {$2800.00} was spent from my account on unauthorized transactions when my personal information and phone was stolen. After filing a police report, I disputed the transaction and requested that my debit card be blocked, cancelled, and replaced. Maybe even the entire account if that has been compromised. Citibank performed an investigation into the dispute and responded by saying that part of it was fraud and the other part isn't fraud. So they provided me credit back to my account for part of the dispute in the amount of {$760.00}. In reality, I had no business with the merchant and ALL charges were unauthorized. Citibank then made me file an appeal for the decision on the remaining unpaid balance and I still have yet to receive my money back nor have I received an update on the investigation. They have been giving me false promises and misleading information such as, " I will receive a provisional credit within 10 business days while they are conduction the investigation which may take up to 90 days. '' It has been 30 days since I originally filed the claim. I am now set back a month behind on bills because of their inability to protect the funds of a consumer/client.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX and XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX did not apply my check payment confirmation XXXX {$92.00} on XX/XX/23. Rep XXXX XXXX confirmed and would adjust accordingly. Also, notified Diversified Adjustment Services XXXX XXXX XXXX, MN XXXX via mail.
Product: Debt collection

I do n't know what this debt is for -- - TWO DEBTS ARE LISTED ON MY CREDIT REPORT FOR THE FOLLOWING AMOUNTS : 1. ) {$790.00} 2. ) {$180.00} 1. ) CAC Financial nor XXXX of XXXX Texas explain what these debts are for. 

it is noted is was reported on XXXX XXXX, 2016 NOT ENOUGH INFORMATION HAS BEEN REVEALED FOR THIS DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to TransUnion on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$1700.00}
Product: Checking or savings account

Id like to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal 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

Bank of America is knowingly reporting this inaccurate account after notifying them previously last year of this inaccurate reporting. They are damaging my credit score and causing my hardship due to me being denied for housing because of this error.
Product: Checking or savings account

On XX/XX/2023 my phone was stolen and my bank account was ultimately withdrawn from to a negative balance. I contacted Wells Fargo on the same day using my roommates cell phone and notified Wells Fargo that all of the transactions were fraudulent due to my phone being stolen. The fraudulent charges included : XXXX XXXX transfers totaling {$2000.00} XXXX XXXX transfer totaling {$3500.00} XXXX wire transfers totaling {$24000.00} I received a notice from Wells Fargo dated XXXX in reference to the above mentioned XXXX transfer. This notice stated that the transfer was deemed an authorized transaction. I called Wells Fargo on XXXX to follow up on this notice and inquire about the remaining fraudulent activity. I was then told that there was only a claim for the aforementioned zelle transfer. This was a big mistake on behalf of Wells Fargo. I then put in another claim for the remaining fraudulent activity. On XXXX I received a notice from WF that the wire transfers were deemed as authorized transactions and that Wells Fargo, as a courtesy, had attempted to do a wire recall but that the funds were not available at the receiving bank. The issue here is that I put in claim on XX/XX/XXXX but WF did not make an attempt at recalling the transfer until after XX/XX/XXXX, due to their mistake. I also received notice from WF that the XXXX XXXX transactions were deemed as not authorized, so that money was returned to my account. The issue with this is that it was actually the first of all of the fraudulent charges after my phone was stolen, so this would set a chronological precedence of unauthorized transactions.
Product: Vehicle loan or lease

On  XXXX / XXXX /  XXXX    Foursight Capital took two  payments out of my bank account instead of the  one monthly payment I setu p and got a confirmation for. They severely overdraft my bank account. I reached ou t to Foursight and they acknowledged that multiple customers had the exact same thing happen to them. The want m y bank  XXXX   XXXX  to fix the issue.  XXXX   XXXX  stated it will take 90 days to fix the issue. This is unacceptable.
Product: Credit reporting or other personal consumer reports

Account is paid off and the account is showing closed which made my credit report go down over XXXX points.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filling this claim in the 3rd person. I am a living woman whose privacy rights have been violated. The accounts listed below have reporting to my personal reports and have had a negative effect on my life extremely reducing the ability to obtain any credit in my name. 

XXXX XXXX XXXX XXXXXXXX - {$11000.00} Collections : XXXX XXXX XXXX - XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report on ( Date ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to 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. Some of these accounts have no number and are just listed on my reports as XXXX 's. This is absurd. 

I have these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far they have not done this.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my Equifax consumer report that listed a balance with XXXX with all my student loans Account # XXXX. This information is not correct because this debt has been officially canceled per IRS acceptance. See Attached. All of these account ( s ) should reflect as paid in full.
Product: Mortgage

We believe to have been victims of predatory, discriminatory and almost fraudulent treatment from Wells Fargo on a loan we received for {$89.00}, XXXX in XX/XX/XXXX. To start it was not a lone we asked for, but one they called on to offer, as we were excellent customers with a great record, once we accepted the loan the bank officer only wanted to work with my wife because " the paperwork was easier ''. She put her down as XXXX when she is not. When we suffered a catastrophic financial situation and told in XX/XX/XXXX with the aim of getting help with the mortgage, we started a nightmare process with them that has lasted 8 years and continues. They said they wanted to help, but their actions show that is not the case. All they have been interested in is finding ways, of dubious almost fraudulent nature to increase their fees and other charges. They did n't tell us for years their investor did n't participate in the Home Affordable programs and when documents for a workout it was under this program. In XX/XX/XXXX they asked us to return some pages of a Loan Modification document, where we had questions so they could review it before we signed it, but they never called back. When we finally reached them, they told us we were no longer considered as we had rejected their offer. ( False ) They dragged it on for months, when they sent another " offer '' its was way more expensive. We explained everything to a supervisor, she investigated and found the bank had mishandled the account, offered to rework the documents as she wanted to help. We never heard back from her, No explanation ever given. All years after always offering under the Home Affordable program when they knew it would work. Their offers keep getting more expensive to their benefit. If they did n't want to help we would have done something else with the property earlier. Its a property we bought in XX/XX/XXXX. We were forced to file Chapter XXXX, to save the property and se if we could get a workout, this before we knew the investor did not participate in the program. While in Chapter XXXX one of their lawyers files a false claim charging that we had n't made any payments, with the aim it seems of getting the Court protection lifted, so they could go after the property. And on and on. I can go for ever its been 8 years of dealing with a most dishonest institution. They have never explained properly what type of loan they gave us. certainly not one for excellent customers as we were. All we ask is that they lower the interest from almost 7 percent and transfer the outstanding balance to the end of the loan.
Product: Checking or savings account

XX/XX/XXXX at XXXXXXXX XXXX, I received a chase fraud alert informing me that a total of {$410.00} was declined at a XXXX grocery & if it was me who tried this transaction. I checked to see if my card was possibly stolen, but my card was in my possession & not taken, I responded to the Chase Fraud alert with, NO. A chase specialist called me & we discussed the matter & she right away canceled my card & put in the request to mail me a new card. All my funds in my account were there & valid, but when I got home I had double checked to make sure if there was any possible unrecognizable charges made & that is when I came to my account & my account was down to {$98.00}. Someone had made a withdrawal of two transactions, one of {$3000.00} and the other of {$1000.00}. I right away called my bank & made a claim because this was not me. My account information was stolen & possibly my pin. The bank then informed me that I would be receiving temporary credit funds back in my account within 12 hours. I never received those funds & I called again for an update. The chase specialist I spoke to let me know that I should receive funds within a couple days & that it has been approved I just have to wait until the XXXX of XXXX. A week went by & I still have not received my funds & I called the claims department once again & that person told me that the post date for me to receive funds is XX/XX/XXXX. A couple days later after I made that call which is today, the claims department of Chase informed me that my claim was denied because whoever access my account & withdrew money out of it would only be able to do so because they got a hold of my pin number. The bank is unable to & will not help me, someone stole {$4000.00} out of my account & I can not get it back because the bank feels as if my situation is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to process a temporary lift of my credit freeze at https :   //www.experian.com/freeze/center.html Experian 's online system to lift a credit freeze is unreliable. I have had multiple problems in the past. The most recent issue is on XX/XX/2019. 

The only solution that Experian offers is to have the consumer mail their social security number along with a lot of verifying information. The 'promise ' is a three day turn-around. This is simply unacceptable when trying to unlock credit for employment background checks as well as for consumer credit. 

In my opinion, Experian should be investigated by the Consumer Protection Bureau if they can not provide a reliable service. 

Something needs to be done to require Experian to provide a reliable service.
Product: Debt collection

LVNV is a 3rd party collection agency that I have not had any business with ever in my life. This company verified this debt by supplying transactional statements provided by an alleged previous creditor. They did not provide me with a contract with any signatures of authorization for the opening of this fraudulent account. LVNV does not even have a license in the state of Michigan to even collect of any debts they may have purchased. Please assist me in removing this fraudulent account from my credit reports. They are also infringing upon my copyrighted and trademarked name. I do not consent to them using my protected information for use in commerce without my written expressed consent. I request that LVNV provide me with the purchase agreement that gives them authority to collect on this fraudulent debt. If unable to provide me with proof of authorization, I am requesting that this account is immediately removed from my reports for their lack of authority. The information on the reports does not match up with the 3 major credit agencies. Please correct this invalid account by removing it completely. They had several opportunities to update during previous investigations. XXXX investigations later and the information is still inconsistent neither is it accurate. Please see attachments of the inaccurate information.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a denial for a credit application with XXXX and various lenders, citing my XXXXXXXX XXXX XXXX Score of XXXX, which was used in their decision-making process. This score is significantly lower than my current credit scores from major credit bureaus, which are XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). 

I previously opted out of XXXX reporting services, and I am deeply concerned that my data is still being accessed and used without my consent. Despite my opt-out, XXXX continues to provide my personal and credit information to lenders, which I believe is a violation of my rights under the FCRA. 

FCRA Violations Observed : Failure to Honor Opt-Out Request ( 15 U.S.C.1681b ( c ) ) : I formally opted out of XXXX data sharing XXXX however, my information was still accessed and reported to XXXX, contributing to the denial of my credit application. 

Reporting Inaccurate Information ( 15 U.S.C.1681e ( b ) ) : XXXX has provided outdated and inaccurate data that does not reflect my true credit standing, leading to significant financial harm. 

Failure to Provide Disclosure ( 15 U.S.C.1681g ) : When I requested my full XXXX report, I was not given a complete disclosure of the information they hold, preventing me from verifying its accuracy. 

Failure to Investigate Disputes ( 15 U.S.C.1681i ( a ) ) : I have attempted to dispute the accuracy of my reported information, but XXXX has not provided a timely response or corrected the discrepancies. 

Harm Caused due to XXXX 's inaccurate and unauthorized reporting : 1. I have been denied access to necessary credit for my personal and business needs 2. My creditworthiness has been unfairly misrepresented to lenders.

3. I have suffered financial and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

When getting my credit score on XXXX XXXX I have never been able to see my equifax score. After talking with mortgage people I was told I was going to need my score from them. I have called dozens of times and sent in the required documents several times and nothing ever changes. They claim that they have nothing tied to my SS number and that I needed to call my credit card companies and make sure they are reporting to equifax. I have done that and every open account I have is reporting to them. It seems as though they are not willing to help me get this fixed and Im not sure where to go from here.
Product: Credit card

On XX/XX/XXXX, I noticed what I believed to be a fraudulent charge of {$160.00} on my Macy 's store credit card ( issued by Citibank ). I contacted the company numerous times to dispute the charges, only to be repeatedly told that I was responsible for them without any explanation as to what this item was and how this was determined, as I noted there was no corresponding purchase on my Macy 's online account for that time frame and I had no recollection of making any purchases since XX/XX/XXXX. 

After several phone calls, an unanswered BBB complaint, and a thus far unanswered complaint with the State of NY, I was contacted yesterday by an individual from the Macy 's fraud department who advised that they had verified that I had made the purchase in question : in XXXX of XXXX. This was a purchase of two lamps which were later returned in XXXX of XXXX ( this I do vaguely remember ). Macy 's is claiming that while I received a credit for the return of these items, I was allegedly never charged for them in the first place. The fraud department went on to advise that this was due to the vendor not reconciling these purchases back when originally made and that this issue was now affecting many Macy 's customers such as myself. I inquired as to how it could be feasible to charge someone almost 5 years later, and questioned what would occur if I had closed out my Macy 's store card in the interim? They could not provide any answers to these questions. 

I did request copies of my credit card statements from XXXX XXXX to XXXX XXXX so I could verify that I wasn't actually charged for this purchase as they claim and am waiting to receive this information via regular mail. 

In the interim, I would kindly ask the Consumer Financial Protection Bureau to look into this matter and answer if Macy's/Citibank/whomever this 3rd party vendor is ( unknown lamp manufacturer? ) can legally process a charge to a credit card for an item that was purchased almost 5 years earlier. I have to imagine there is some sort of statute of limitations for credit card companies to finalize transactions and if so, would appreciate verification of this time frame.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX The above account that is currently reporting to my credit report is is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. -XXXX XXXXXXXX XXXX XXXX XXXX The above account has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit card or prepaid card

I made a transfer balance from US Bank Elan Financial to the my XXXX credit card.After transfer, Elan Bank added to my account {$3.00} interest and on the same day they charged me for late fee $ XXXX.They refused to refund {$29.00}.