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

Someone opened up an account at Navy Federal Credit union on XX/XX/2022 in my name with all my personal information. I started receiving emails from Navy Federal and I was deleting them until I received one that says member to member transfer. So I called the bank and requested that someone stole my identity cause I do not have an account that this bank. The lady looked up all my information and stated it was identity theft. She told me that it will be reported aand closed and I needed to contact all 3 credit bureaus and Social Security Administration. The last email i received : You added a new Member-to-Member transfer recipient to your account. Now you can instantly send money to : Name : XXXX XXXX, I o not know that person and Please investigate this fraud. The lady stated thatbthe accoount would be closed and Investigated. So then on XX/XX/2022 I received an overdraft statement from Navy Federal due to the account being overdrfted by {$95.00}. Then XXXX XXXX XXXX Ireceived a bank statement. If this account was. Closed ad investigated last month why am I still receving all this information. So apparently its an inside raud job with Navy Federal Credit Union. Itried to contact Navyy Federal once again and gott no response from them. This is eallyy a serious matter and I need it to be investigate.
Product: Credit card or prepaid card

On XX/XX/22 a purchase of {$83.00} I did not make on my Citi Diamond Preferred years was notified, they cancel card and issue me new card and they will revue and credited the XXXX XXXX.On XXXX new cards XXXX  has another fraud chg, same company in amt of {$160.00}. I called, they cancel card and issue a new card. Rep says he will take of this and credit acct. New XXXX  has a credit and then its added back on and now fees and interest starts to accumulate.All the while I am calling and getting nowhere or am being cut off, transferred to different depts, all the while thinking they are taking care of this. They are not. I would get form letters saying they are working on it, months go by and fees and interest are pilling up. I call and state to them that I am not liable and do not have to pay, they agree. Then in XXXX I get a letter from XXXX XXXX XXXX that the account is in debt collection. I contact them and tell them what is going on and they will investigate and they did.One month later they sent me a letter stating it is FRAUD and to contact Citi. I did via a Credit Report Dispute and Investigation form that I and none at Citi told me about fouund online. Sent that off with a written letter along with 6 attachments. Finally in XXXX I get a form letter from Citi with the same old info that they are forwarding to proper dept. This debt is less than $ XXXXand would think that it was in the thousands. I am now noticing that they have knocked my very good credit ratng down over 70 points.THIS IS MY GREATEST CONCERN. I hope this watered down explanation will help for the moment. The XXXX XXXX sent me every statement that they got from Citi as there reference material on this matter I can send anythying you need on my end if needed. Thank You from a consumer in XXXX yrears has never had a collection agency contact me for a debt!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the numerous, unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to plague my credit history, causing me substantial distress and financial harm. 

I first discovered the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency, providing extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. 

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The prolonged delay in addressing this issue has had severe repercussions on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. 

An in-depth investigation into the origins and validity of these accounts, which I assert are the result of identity theft. 

Immediate removal of these fraudulent items from my credit report. 

An explanation for the extended delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your immediate assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX XXXX Balance : {$59.00} XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Original Creditor XXXX XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$660.00} Original Creditor XXXX XXXX XXXX  XXXX Balance {$130.00} XXXX XXXX XXXX , XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XX/XX/2022.
Product: Credit card or prepaid card

Patient XXXX XXXX Complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX My appointment was for XXXX XXXX  XXXX. After four hours and being charged over four thousand dollars I was told to come back when crowns arrive in two or three weeks. XXXX XXXX was the next appointment date. 
XXXX XXXX after XXXX I was emailed by XXXX  XXXX  to reschedule appointment due to XXXX  not arriving in time. I already was scheduled off work. 
XX/XX/2022 I came into XXXX  XXXX  to have XXXX  placed on and temporary XXXX  taken off. After the dental assistant removed them XXXX XXXX XXXX XXXX said one tooth was cracked and needs to be extracted. I said so you all cracked my tooth, he immediately took defense when I said check your X-rays, there was no cracked tooth before XXXX  XXXX. Nothing was done I was told to speak with office manager and at that time I was walked to front office to speak with office manager, she prepared a print out of the refund for {$1900.00}. She said I will need to go to a different location to have tooth pulled, and balance from tooth extraction will reflect on refund to care credit card. She said I will need dental implant costing XXXX or XXXX XXXX dollars. XX/XX/2022 she booked appointment for me to have tooth pulled at XXXX location. I did not have my tooth pulled, not at my expense. 
XX/XX/2022 I came back into sage dental to have XXXX XXXX put on the successful XXXX  XXXX tooth. Nothing was updated on my account for refund. 
Two weeks after that I contacted XXXX XXXX and I was told by front desk staff I will not receive refund if I do not get tooth pulled by XXXX XXXX. They can not force me to receive services from them. Another two weeks went by and the front desk staff told me that corporate will give me back {$800.00}. I refused that offer because Im owed {$1900.00}. Another two weeks went by and front desk staff told me corporate will give me back half. I refused that offer because Im owed {$1900.00}. I started taking legal action, reporting sage dental to XXXX  XXXX XXXX XXXX. 
XX/XX/2022 I was emailed saying corporate approved full refund for {$1900.00} if I sign release waiver. I refused offer to sign and release waivers because Im owed {$1900.00} period, due to their negligence for faulty failed root canal they owe me to have tooth pulled, they owe me for dental implant and all further dental expenses. XX/XX/2022 front desk staff called to tell me corporate decided to pay {$800.00} unless I signed waiver.
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. 


Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX 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: Payday loan, title loan, or personal loan

I am a customer at the XXXX, XXXX XXXX location and I have been taking for a ride. Meaning when I initially took out a loan back in XX/XX/2017 I was not made aware by any XXXX ( former XXXX XXXX professional that I had other financial options - i.e. XXXX XXXX opposed to a title loan. Atop of that ommission - they told me I had an additional {$500.00} I could use for holiday but failed to tell me my payment would double. I am a former XXXX  XXXX w/ XXXX Department of Treasury and are thumbing thru the XXXX at this moment. If you can give some pointer please let me know to void or at least lower the payments of this ... financial swindling I have inadvertently fell into. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX XXXX AMEX charged me an annual " membership '' fee of {$590.00} on my XXXX credit card, a card that was not in use by me so it's statements and activity are not tracked as closely. That's a big fee. On XX/XX/XXXX XXXX I tried to cancel in view of the fee and they attempted to salvage me by pointing out all the benefits. I said I'd think about it. A couple weeks go by and today XX/XX/XXXX, XXXX I call to cancel and I'm informed that while a cancel can happen because it is more than 30 days since charging the annual fee it can not be refunded, even as a pro-ration. I would point out that I believe prior annual fees on other products with Amex pro-ration was possible and frankly it certainly seems fair and just. I can certainly vouch that pro-ration of annual fees does happen with other vendors. 

I admit that even my initial call on XXXX XXXX was beyond that 30 days, but that's not the point of this complaint. An annual fee on a dormant account should not have a mere 30 days to " notice '' the fee and regardless I do think pro-ration of fee refunds should happen.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute according to the information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in Investigating and resolving this matter.
Product: Money transfer, virtual currency, or money service

I used Venmo to have my brother send me XXXX XXXX Venmo could not verify my identity and froze my account stealing my money. I believe this was done with malicious intent. I provided my state issued valid drivers license, they refuse to acknowledge this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I notice XXXX XXXX reporting on my credit report on XX/XX/2024. After noticing this account is a result of identity theft, I filed a dispute with transunion as well as XXXX, including my identity theft report. Ive allowed these companies over 4 business days to investigate this but I have yet to receive a response. I included my identity theft report with this complaint. 15 US code 1681c-2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than 4 business days after the date of receipt. According to the FCRA, if a credit reporting agency fails to remove an identity theft account after you have disputed it, they may be violating the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates how consumer reporting agencies handle your credit information, including investigating disputes and correcting errors.
Product: Mortgage

I began the process of refinancing my home with Cardinal Financial on XX/XX/2021. My wife and I quickly submitted all are required documents and were given the closing date of XX/XX/XXXX. Since then our closing date has been pushed back 8 times. ( Last closing date was supposed to be on XX/XX/XXXX. ) My credit score has been checked 10 times. My wife 's employer has had to confirm her employment numerous times. My employer has received nearly bi weekly calls for three months. I have been on hold with Cardinal Financial customer service no less then four times. ( The wait time is supposedly 10 minutes but I have never spoke to anyone in customer service even after waiting on hold for 30 minutes. ) My loan officer XXXX XXXX does not respond to emails but will occasionally respond to a text message. Her boss XXXX XXXX has not resolved the issue either. Cardinal Financial has hurt my credit score, my wife 's credit score, wasted my time, harassed our employers and have tried their best to unreachable and un responsive. They have set and missed their own deadlines for the past 3 months.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a XXXX of identity theft and did not make the charge. I ask that the items be deleted to correct my XXXX XXXX. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt or credit management

On XX/XX/XXXX, I cancelled my account with National Debt Relief. My next step was getting a refund of the fees that I had already paid up front since I would no longer require their services. I finally got a response on XX/XX/XXXX that I would be receiving a refund of {$2500.00}. However, when I called the company XXXX, the bank who control the funds that are deposited into the members dedicated savings account, they informed me that I had {$3000.00} in my account. They also assured me that this was indeed my money and I had full access to it. It seems like National Debt Relief is basically trying to help themselves to {$550.00} of my money with no explanation as to why. I have made calls to National Debt Relief to inquire about the status and amount of my refund on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I got a different answer as to the number I was owed back and the timeline for when i would receive it. Some employees were seeing that I was owed {$3000.00} and some were seeing that I was owed {$2500.00}. The vanishing {$550.00} is very disconcerting and is worth an investigation. I have also received XXXX dollars from them as of yet. The employees all claimed that the refund would be in my account between XXXX business days.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I paid off XXXX  XXXX  as it went into collections status. I advised that I would pay the settled amount and provided the deletion letter as requested. I had advised XXXX with XXXX that I fell behind due to my wife having XXXX XXXX. She was unable to work and I had to focus on household bills, medical bills, medication and treatments as well as our children. I provided my reasoning with the letter, XXXX spoke with a manager and they agreed to remove this as a derogatory from all 3 credit agencies. I've sent the request to XXXX, experian and XXXX with no corrections being made. I've filed a complain with the XXXX  and now the CFPB before taking legal action. This is hindering me from being able to move forward in my job and purchase a home. I need this deleted as stated it would be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint to solved this matter. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The three credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held by them. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A previously disputed collection account has been reinserted into my Equifax credit file with the following names : Collection Service of XXXX, also listed as XXXX , XXXX, also listed as " XXXX and account number XXXXXXX ''. This collection was successfully disputed and removed has been reinserted into my Equifax credit report. The collection account was reinserted between XX/XX/2019 and early XX/XX/2019. I have copies of my credit report from XX/XX/2019 and I pulled another version today because I applied for a mortgage loan a few days ago and was informed that there was a collection in my report! This has caused me to NOT be preapproved for the mortgage for which I applied. I was not notified that this collection account was being reinserted to my credit file which removed my right to dispute the information before reinserting a derogatory account into my credit file, pursuant to FCRA 611 ( 15 U.S.C. 1681I ). It is my belief that this reinsertion is a willful and deliberate act by Equifax to cause harm to my credit file and scores.
Product: Credit card

I have fraudulent charges in this account. 
I am requesting all credit card statements since I am have opened the account. 
The company Did not provided the Credit Card Statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Navient, XXXX, XXXX XXXX, and Student Aid. Nobody can tell me whats going on. First, the two loans that were with Navient, that are reporting me late were consolidated. They were for XXXX XXXX university that was part of the XXXX XXXX XXXX settlement and should not be on my credit report. But this is the biggest issue, XXXX doesnt have these consolidated loans that are reporting me late on my credit! Nobody can figure out whats going on. Navient suggested I call borrowers defense however borrower defense said they can not help with my reporting. XXXX said they dont have these consolidated loans! SO WHERE ARE THEY? AND WHY ARE THEY ON MY CREDIT? Somebody please figure it out!