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

My personal information was lost during a relocation in 2019. I begin to monitor my account and have noticed accounts I have not authorized nor have any affiliation with. I see that someone has obtained lines of credit with my information. There are accounts and credit inquiries that I have no knowledge of. The credit inquiries also include : XXXX, XXXX XXXX, XXXX, XXXX, XXXX. I have no idea who these creditors are.

I've contacted the credit reporting agencies notifying them of the issue as well requesting verification of these accounts with no formal response, these accounts are not verifiable.

I have the right to privacy and furnishing these accounts without my written consent is in violation of 15 USC 1681B Furnishing information in direct result of identity theft is in violation of 15 USC 1681 C-2.

I requested that the invalid addresses are removed from my profile, this is also causing accounts to be placed on my profile. These accounts being furnished to my account is affecting my ability to obtain credit
Product: Debt collection

received a collections letter on three different transactions for three different days they claim it was three different checks written to XXXX XXXX in XXXX. i never went to this place and never cashed anything. I asked for proof and copies of these three checks and all i got was some signatures that do not match. You can also clearly tell all three do not match each other in anyway. They also could not provide me with any pictures of these three checks and claim they gave the checks back to the person. I have filled a police report and waiting on them. This is 100 percent forgery and fraud. I want to press charges to the fullest for thinking they could do something like this with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled with Freedom Debt Relief XX/XX/2018. They made extensive promises to settle my debts within 6 months. After just one year, they only settled one debt, and I have been taken to court three times by creditors. Each time Federal Debt Relief said there was nothing they could do, even though I also purchased their legal services. My credit score has dropped by over 100 points, my debts are behind, but the company has charged me a myriad of fees. It has been a complete nightmare.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to formally request that the accounts and inquiries listed below be blocked and deleted from my credit report. This request is made pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$45.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$340.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6200.00} XXXX. NATIONAL CREDIT ADJUST - XXXX - XX/XX/XXXX - {$580.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX. XXXX - XXXX - XXXX XXXX, XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX 2022
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 corrected : XXXX  XXXX XXXX : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. I have sent disputes to Experian regarding the following account numbers : XXXX, XXXX and XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. The date of these disputes are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite these letters being sent to these three bureaus, there has been no resolution or corrections. Furthermore, there is no dispute verbiage on these accounts.
Product: Checking or savings account

Companies refusing to credit my account for a non-dispense of cash funds of {$900.00}
Product: Debt collection

Hi, Attached is the letter i sent to this collection agency to validate this alleged debt. 
This was sent to the company over a month ago. I have attached the tracking number. 
The letter was received and still have not gotten a response. 
This debt is being collected illegally and my next step is to file a lawsuit against the company if the attached letter is not responded by next XXXX business days. 

Certified Mail Tracking # : XXXX
Product: Debt collection

RESURGENT CAPITAL SERVICES received a request to validate the alleged debt and to provide the name and address of the original creditor per Title 15 U.S. Code 1692 on XX/XX/2022 from us. RESURGENT CAPITAL SERVICES responded and was received on XXXX XXXX stating that the " enclosed account summary provides verification of debt ''. No proof has been given per Title 15 U.S. Code 1692.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first stop was the Federal Trade Commission website to find out how OPT OUT of Prescreened Credit Offers. 

I found a link to XXXX which is apparently run by the major credit bureaus. 

After two days [ XX/XX/XXXX-XX/XX/2018 ] and numerous attempts to OPT OUT, I believe this site is intentionally defective and designed to not process valid consumer requests. 

I have filled out the form dozens of times including the CAPCHA and get the same two errors every time. The screen shot is attached.

Must Use Valid Format on the ZIP Code field.

Must Use Valid Format on the State field. 

I have tried both XXXX and XXXX to no avail. 

The State information is a pull-down list, the website fills out that field incorrectly on its own. There is nothing I could possibly do to fix it. This incompetence or another dirty trick from the Credit industry. 

I believe this form was intentionally designed to prevent consumers from protecting themselves from unwanted credit offers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX Balance : {$170.00} Payment Status : Collection/Chargeoff XXXX Account # : XXXX Balance : {$120.00} Payment Status : Collection/Chargeoff XXXX XXXXXXXX Account # : XXXX Balance : {$530.00} Payment Status : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Balance : {$220.00} Payment Status : Collection/Chargeoff XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$1100.00} Payment Status XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Used XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX, Used XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. XXXX and Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Remove the accounts on my file. 

( XXXX XXXX, XXXX XXXX )
Product: Credit reporting

There are many items listed that are past the statute of limitations, I have disputed all of them and yet no one is assisting me. These items listed have been re aged which is against the law. Please help
Product: Checking or savings account

Navy Federal credit union has seen fit to deny me access to their online dashboard while simultaneously issuing me messages that can only be viewed on there online dashboard in much the same way XXXX XXXX  is currently doing, and has done previously with over XXXX dispute notifications. I have notified Navy Federal Credit Union that due to numerous and continued miscommunications bordering on outright harassment by their customer service agents, that I would no longer be communicating with them over the phone. As with XXXX XXXX, they seem to continually fail to record information correctly over the phone or live up to the commitments they make. It took a good deal of effort to convince them to stop insisting I call for every issue. While it is nice to see that they finally take security seriously, I do find it ironic that they would deny me access after I've demonstrated my account notification settings were being altered without the request notifications from them. I do however require access to the dozens of messages they have left me. This complaint is specifically about them continuing to issue me messages they know I can't read, and not the fact they are entertaining enough to deny me access to my account after the last XXXX years in which I requested they address their demonstrable security issues.
Product: Debt collection

Radius Global Solutions LLC did not send me notification regarding this issue. I contact XXXX XXXX several Times regarding fraud charge in which they never got back to me. They told me several times after calling them they was going to get back with me. 
XXXX XXXX XXXX never made no attempt to call me regarding this situation. I call them about the issue and they never mailed me nothing nor tried to resolve the issue. 
Radius Global Solutions is now trying to charge me an additional {$100.00} dollars there should be nothing but was owed in which was {$32.00} dollars not the amount stated. 
I have also file a complaint with the US Attorney office regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a rental property and the score showed as XXXX but the credit report that I have from XXXX is XXXX and XXXX  is XXXX therefore I was declined for this property.,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted enclosed notarized copy to each credit bureau XXXX, Transunion, XXXX   requesting immediate removal of fraudulent accounts reported on my consumer credit report file. 30 + days later these accounts are still reporting to my credit. Surely it doesnt take 30+ days for verification of these accounts all of these accounts were fraudulent opened online. Please do your due diligence and you will see that the original address for all these accounts were a fraudulent address. I had a private investigator to research the address of XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Please see my second request letter enclosed ( attachment ). I'm requesting the credit bureaus either show me proof of a signed credit application where I open these accounts or remove off my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS PROCESSING MY DISPUTES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a XXXX XXXX XXXX offered by the U.S. Dept. of Education XX/XX/2021. XXXX XXXX XXXX XXXX, email : XXXX, Website : XXXX XXXX XXXX payment were made XX/XX/2021 {$190.00}, XX/XX/2021 {$190.00}, XX/XX/2021 {$190.00}, XXXX XXXX. A total of {$780.00}. I was told that I qualify for the loan forgiveness program and that after making all of my payments which I did, that my student loans would be completely paid off in full. However it is still on my credit report as a debt that is still. My payment of {$780.00} will go toward processing my application documents enrolling me int the federal program. I was also told that I am subject to their 100 % guarantee policy listed in my proof of enrollment. If I am not approved through the Department of Education for the selected XXXX XXXX, then XXXX XXXX XXXX will reimburse me % 100 of my processing fee back to me. 
client XXXX document : XXXX sending agent : XXXX ( XXXX ; XXXX XXXXXXXX XXXX XXXX like XXXX XXXX XXXX ) email : XXXX ( XXXX XXXX ) was my person of contact. Once they got my money I never heard from them again. I believe my account was sold to XXXX. 
Because of this treatment, I had to change the dates of me purchasing my real estate investment properties because my reports are not up to XXXX  standards.
Product: Student loan

I have called Navient, the servicer for my loans, several times requesting a 30 day payoff statement so I can refinance my loans with another lender. They will not send it to me, but send me emails saying thanks for inquiring about your loan we have different payment options for you. They are deliberately holding back on sending me this statement so I can not close my account with them. Of note, my loans with them are and always have been current and never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a promotional offer from XXXX XXXX to terminate my current lease by buying or leasing a new XXXX model. There were also several coupons for services to choose from if you took a XXXX for a test drive. On XX/XX/XXXX I went to Honda with the intention of purchasing a vehicle, but after the air conditioning didnt work on the test drive vehicle and a payment plan couldnt be agreed upon, I left in my current lease. Without my consent or knowledge, XXXX XXXX issued a hard pull on my credit which is effecting my credit score. As I did not initiate a new lease or purchase I dont see why they should have pulled my credit especially after the sales man assured me my interest rate would be low when I verbally told him my credit score.
Product: Debt collection

This new collection appeared on my credit report. I contacted EOS CCA and they were unable to provide any information based on my personal information
Product: Bank account or service

chase charged me {$34.00} NSF fees for a {$10.00} charge. i do not recall signing an agreement which states such. XXXX were supposed to use another card I had until I could figure out if the charges were valid. the debit card should have been suspended when I called in XX/XX/XXXX. the customer service rep in XXXX may not have understood what i was saying.
Product: Mortgage

On XXXX the XXXX, XXXX, I noticed that Nation Star LL dba Mr. Cooper, took an additional {$400.00} from my account. This was done on XXXX separate occasions. I contacted customer service and was told that they purchased flood insurance on my home. I informed them that my home is not in a flood zone. The representative informed me that they received the information from FEMA, and had every right to protect the loan. I asked for the documents from FEMA stating our home was in a high risk flood zone, he said he could not provide it however, they informed me that I was sent XXXX notices that I should have responded to. I informed him that unless he had my signature showing receipt of a notice, he could not make that statement. He sent me to a supervisor the supervisor reiterated what the previous representive stated. I called back the next morning requested a supervisor. After threatening a letter from my attorney and reporting them, as was recommended by FEMA, he sent me the the Standard Flood Hazard Determination Certificate from XXXX ( attached ). Under the comments section of the report dated XX/XX/XXXX. XXXX states that the property is partially within a special flood hazard area and they were not able to identify any structures with the information provided by Mr. cooper and asked for additional information. Instead of Mr. Cooper not doing their due diligence, they purchased private flood insurance on my property at XXXX times the cost of getting it thru FEMA. And according to FEMA mapping department and the reevaluation by XXXX, our home is in zone X, meaning minimal flood hazard and no insurance is required. In addition, according to the FEMA representative FEMA does not insure raw land
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out my dispute letter to equifax on XX/XX/XXXX XXXX Credit agencies have 30-45 days to respond. I recently ordered my credit report prior to XX/XX/XXXX and notice that there were some things on my report that were incorrect. Here are the items I want to dispute XXXX XXXX XXXX This account was sold to a debt agency that can not validate I owe them this debt. The account is closed and the balance is XXXX. 

XXXX XXXX BNK- This account was also sold to a debt collector who can not validate I owe them this debt. This is a charged off account meaning the original creditor was paid for this account and I do not owe a company that bought a debt that was already paid.

These collections violate my rights under the FCRA and the Statue of Limitations have exceeded the time frame needed for me to be sued for these debts. Please delete these items off of my credit report.
Product: Credit card

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquirie that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Bank of America XXXX XXXX Reporting on XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, which Ive sent money unknowingly and without any prior information I can not recover the funds. And tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Upon reviewing my emails I notice that XXXX sent me a email stating that a hard inquiry was initiated by Bank of America on XX/XX/year> I did not attempt to access a line of credit from Bank of America this hard inquiry was done fraudulently without my knowledge or consent I would like XXXX to remove it from my credit report immediately according to the FCRA any fraudulent and inaccurate information must be remove from ones credit report Ive also made a report to identitytheft.gov about this issue
Product: Money transfer, virtual currency, or money service

My company supervisor issued me a Vanilla Visa Virtual Gift Card worth {$200.00} on XX/XX/XXXX as a thank you for long hours worked. 

I saved the email notice of the gift card for later use. When I went to make sure the funds were ready to use today by following the link in the gift card notice email the Vanilla Visa Virtual Gift Card system indicated {$190.00} of the {$200.00} balance had been spent. 

The 7 fraudulent transactions that resulted in the use of {$190.00} all occurred within 8 hours of each other and follow a pattern of a fraudulent user who did not know the level of funds available on the card and therefore was making a series of small purchases until the card balance was effectively spent. 

The charges started at XXXX at XXXX XXXX XXXX XX/XX/XXXX and then moved to XXXX at XXXX and ended at XXXX at XXXX on XX/XX/XXXX. 

When I contacted the company, they told me that gift cards are like cash so if someone used it fraudulently there is nothing that can be done to get the funds back. This seems completely ridiculous and unfair as this was not like a physical gift card that I lost and someone found and used, but rather a virtual gift card that should have had built in protections to stop a fraudulent party from using it.

This card product needs regulation to : 1 ) Require that a name be provided at the time of purchase for whoever the user of the card will be and that an ID be provided at time of purchase with the card so that fraudulent parties can't steal funds so easily.

Or 2 ) At least require a zip code be indicated at time of purchase so that purchases can only be made in that zip code to reduce the likelihood of fraud by limiting activity in the card to a confined area in which the intended user lives.

AND 3 ) Require that the company provide notice of transaction to the holder of the Visa gift card so they are aware right away when fraud occurs rather than only find out when they go to use the card. 

Fraud should not be so rampant with these gift cards, please protect consumers and implement these protective regulations!