23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have an account with Juno ( XXXX XXXX ), which is partnered with Synapse, XXXX XXXX # XXXX. I am currently unable to access my funds either through cards ( credit/debit ) or through ACH transfers. This has completely disrupted my ability to pay for my day-to-day bills and expenses. 

As stated in your brokerage account customer agreement, customer funds in the XXXX XXXX XXXX are deposited in a network of member FDIC banks. Funds held in these banks are eligible for FDIC insurance up to {$250000.00} for each individual account. Funds held with XXXX XXXX XXXX also have XXXX XXXX  up to {$500000.00}, including {$250000.00} for cash, for each individual account. 

But XXXX says my money held with XXXX XXXX XXXX is not safe and insured : XXXX only protects securities and cash on deposit for the purpose of purchasing securities in securities accounts at XXXX broker-dealers that have failed and become subject of a SIPC-initiated liquidation. XXXX does not protect deposits at banks, including those from bank sweeps programs at member firms. 

When I opened the account, I signed up for a Juno checking account with XXXXXXXX XXXX XXXX XXXXXXXX as the bank. I never consented, agreed to or signed on to have my money moved to a new account at XXXX XXXX XXXX. Synapse filed for bankruptcy in XX/XX/year>, but I was never informed or notified of this to be able to withdrawal my money out safely before the account shut down in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion, XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to permanently remove the disputed accounts, as Transunion 's inaction violates tederal law and my rights as a consumer. Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2.

Company has also no permission to report anything using my info pursuant to 15 USC 1681 4
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN XXXX XXXX # XXXX.
Product: Money transfer, virtual currency, or money service

XXXX sold a {$77.00} debt to ccs collections prior to 90 days delinquent. I paid the debt owed 3 years ago yet ccs will not remove negative rark from my credit report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureaus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX  XXXX Balance : {$430.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXXXXXX Balance {$670.00}
Product: Credit reporting, credit repair services, 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 need to investigate and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Please accept this letter as my formal written request for the following items on my credit report to be investigated. 
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to 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 before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : online information services I called and asked for the information they wouldnt tell me from who i got the information from my credit report my bills have been paid
Product: Money transfers

On XXXX/XXXX/2015 I went online to Western Union and started a Money Transfer Transaction for {$510.00} USD to my wife in XXXX. I choose WU Pay as the method to pay for this transaction. To utilize WU Pay I had to set up their account with " Bill Pay '' at my bank. I then approved a transaction with my bank to pay {$510.00} + XXXX fee = {$520.00} USD to WU Pay. WU Pay stated on the Western Union website that the transaction would take 1 to 3 business days for approval of funds received. WU Pay told me on XXXX/XXXX/2015 they never received my payment and would not wire the money to my wife in XXXX. My Bank said they sent a wire transfer for {$520.00} to WU Pay on XXXX/XXXX/2015 and had confirmation it went to WU Pay. I made several calls to WU Pay and each time I was told they had not approved receipt of my payment and could not complete the money transfer to XXXX. Finally I told them I was going to stop payment on this but was unable to do so because it was a wire transfer originally. WU Pay held my money for 5 days and refused to send it to my wife all the while telling me they had not received funds from my bank. On XXXX/XXXX/2015 after talking with Western Union again, I received an email that they had not received payment from my bank. WU Pay has my money and will not send it to my wife.
Product: Checking or savings account

I am writing 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. These issues align 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, credit repair services, or other personal consumer reports

On or about the dates XXXX, and XX/XX/2022 as shown on my XXXX, XXXX, and Equifax credit file, XXXX XXXXXXXX XXXX XXXX has supplied late payments . 15 USC 1666 B clearly states : " A creditor MAY NOT treat a payment on a credit card account under an open end consumer credit plan as late for ANY REASON. 
Furthermore, 15 USC 1681 Section 602 states : I have a right to privacy. FCRA 15 USC1681 Section 604 A that my written permission is needed to furnish any items on my credit report ( s ). So therefore, XXXX XXXX XXXX XXXX  has violated my rights and furnished damaging illegal entries to my credit file, at which prevents me from simply living my life and causes me great stress. Also during this same time frame of late payments i was seriously impacted by Covid-19, so I would also like to enforce my full rights as it applies to this matter under the CaresAct.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a loan application with XXXX XXXX  made by my son and me, it was discovered that when you put in his name and his social security number, Equifax , Inc. generates my credit report while a report for him is seemingly non-existent. XXXX XXXX  uses an intermediary to get reports, XXXX XXXX XXXX XXXX, and the company from which the report was requested is Equifax. 

This problem is ongoing since early XX/XX/2019. Both of the above entities have been contacted but neither seems eager to help resolve the issue. At one point, we were told we would receive " paperwork '' to begin the corrective process but after a couple of weeks, none has been forthcoming. 

For me, there are privacy concerns. My credit report is being sent when I have not specifically requested it. For my son, he should have a legitimate credit report of his own but does not. 

Of concern now is that in spite of the fact Equifax has an awareness of the problem, they willfully breach my privacy and send it anyway. 

As always, Equifax is difficult to reach and unresponsive if someone accidentally answers the phone. It is the usual XXXX : they make a mistake and the burden falls on the little guy to try and fix it.
Product: Credit card

XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA $ XXXX ( 15 U.S.C . 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of XXXX XXXX account opened XX/XX/XXXX account number XXXX, XXXX XXXX with a {$0.00} balance account number XXXX opened XX/XX/XXXX, XXXX XXXX with a {$0.00} opened XX/XX/XXXX account number XXXX, XXXX XXXX balance {$1500.00} date opened XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
I request, pursuant to FCRA $ XXXX ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this consumer reporting agency has violated my rights under 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This states that transactions are not included in the report. 

Please remove all late payments from : XXXX XXXX : Account number XXXX This account is paid in full. Please update payment history to paid as agreed never late ( PAANL ).
Product: Credit card

I lost my credit card back in XXXX XXXX, 2015 and now there is a balance of $ XXXX and I would like to file dispute and cleaned up all the charges not belong to me.
Product: Credit card

My credit card payments remains same as I make payments every month for more than 17 months and I do not use the card I pay above minimum monthly payments since the day I received this card they keep on charging me fees every month even though I pay every month
Product: Debt collection

Upon thorough examination of my latest credit report, I identified several accounts that I believe are erroneous and were included without my knowledge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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.
Product: Bank account or service

pay pal prepaid works with net spend and they put a block on my card but my money is on my card but i cant use it i need help getting it unblocked pay pal prepaid works with net spend and they put a block on my card but my money is on my card but i cant use it i need help getting it unblocked they did n't even tell me i had a block on my card i had to call and see what was my balance and that 's when they told me.i filed XXXX already dont seems like that is helping so i want to take further steps to get my card unblocked so basically the money is sitting on my card but i cant use it because they blocked my card.plus i filed a dispute on XXXX XXXX regarding a transaction that was not made by me {$940.00} they keeping that and only gave me {$170.00} so basically they giving me what they want to give me i dont want half of my money I want it all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX XXXX Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted XXXX and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either.
Product: Debt collection

Midland Credit Management began calling me in XXXX of this year ( XXXX ). I originally stated my " cease and desist '' spiel, telling them not to call this number, to take me off of their auto-dialer and not to contact me again. I then add the number they called from to my cell phone 's Blocked Numbers list. Despite this, Midland is continuing to harass me with weekly phone calls from ever-changing phone numbers. They are demanding payment for two old credit card debt accounts that were written off/charged off by the original creditor in XXXX. Neither of the accounts are still showing on my credit reports as the statute of limitations has passed. I have verified with all three Credit Bureaus these accounts are no longer listed. I have asked Midland to stop calling me. I have written a letter to them asking them to cease and desist contacting me. They call from different phone numbers, which is harassments. Every time they call, I add the number to my blocked list in my phone. At present I have over 30 different numbers for Midland blocked in my phone. 


I want the CFPB to publish this description on consumerfinance.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to XXXX  and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. 

On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to XXXX  and Transunion and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. Transunion did reflect some updates but not all.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Fraudulent Accounts Due to Identity Theft Dear Equifax Dispute Department, I am writing to formally dispute several items on my credit report that are a result of identity theft. The following accounts do not belong to me, and I demand that they be removed from my credit report immediately : XXXX Account : # XXXX XXXX XXXX XXXX  Account : # XXXX As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, to request the removal of these fraudulent items from my credit report.

Enclosed, please find the necessary documentation to support my claim, including : A copy of my identity theft report filed with the Federal Trade Commission ( FTC ).

Copies of my personal identification, including my driver 's license and a utility bill, to verify my identity. 

I demand that Equifax take the appropriate actions to remove these fraudulent accounts from my credit report. 

Sincerely,
Product: Debt collection

The issue is that I was unaware of a balance from this company and have not received any bills or letters stating that there was a debt to collections. Also, it is reporting that this account is new on my credit on XX/XX/2019. I have not opened any new accounts in two or more years.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft and a recent data breach. I have discovered unauthorized accounts and inquiries listed on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete all information related to the fraudulent accounts and inquiries as outlined below. 
Fraudulent Account : Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  XXXX and XXXX bank account balances are incorrect. Equifax can not verify my information and I was logged in to my Equifax account, giving them the information on file. The rep constantly asked me the same information over and over and said I could not verify the accounts. The purpose of me calling was to dispute inaccurate information. So most likely thats why I can not verify the accounts. XXXX  XXXX updated the balance and XXXX  update the balance to XXXX. I need to use my credit and I need XXXX  XXXX to reflect XXXX balance on all reports. Also I need XXXX  to stop aggravating me.
Product: Credit reporting or other personal consumer reports

This account was paid in full and closed on XX/XX/year>. I asked the company to report this information to the credit bureaus but it still shows a revolving credit
Product: Credit reporting or other personal consumer reports

I have 2 XXXX XXXX XXXX credit cards that went to delinqunt in XX/XX/2017 and later charged off. But it shows in the report as XXXX XXXXThey are supposed to be removed from the credit report as they passed 7 years. XXXX removed those 2 accounts from the file but Equifax and XXXX are coming back saying that the XX/XX/2017 is the correct date and not XX/XX/2017 and hence they are not deleting the accounts. I tried reaching out to the XXXX XXXX XXXXXXXX and they say that they don't have any information on this as it is more than XXXX XXXX XXXX. My SSN is XXXX. I'm raising disputes but equifax comes back that XXXX XXXX XXXXXXXX responded with the information is correct. If that us the case why XXXX XXXX XXXXXXXX says they don't have information when I contact. Equifax, XXXX and XXXX XXXX XXXXXXXX are playing with my time and credit report. This is making. my house buying purchase hard. 

I'm attaching the XXXX XXXX report where the first deliquency is XX/XX/2017.