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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXX Balance Owed : {$6700.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$3100.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$230.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX BANK XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, 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, US BKPT CT XXXX  XXXX XXXX ID # XXXX, DIVISION OF CHILD SUP XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Mortgage

Our company had two mortgages for two properties in Maine. Closed at different times, each has their own closing packages, referred to as " loan 1 '' and " loan 2 ''. On the front page of each mortgage there is a paragraph for " cross-collateralization ''. 

In XX/XX/XXXX loan 1 went into default. No foreclosure was filed by the bank. We worked with them to sell the property for that mortgage ( during the worst time of year to sell ) and sold them for a portion of their value so that we could satisfy the bank. The bank was made 100 % whole on loan 1 -- NO discount. 

In the same XX/XX/XXXX, the bank took loan 2 ( performing and current ) and instituted a default rate, almost doubling the payment. If you evaluate the amount of monies paid to the bank for loan 2, the loan would be currently paid through XX/XX/XXXX. 

My problem is that there is NOT a cross default provision in the mortgage. Peoples United Bank has therefore illegally withdrawn excess payments and not recorded payments properly for loan 2. They have since filed for foreclosure and have an auction scheduled for the property. 

I am filing this complaint as it is my intention to make all parties aware of my intention to pursue this claim legally, possibly through class action.
Product: Credit reporting or other personal consumer reports

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

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 XXXXXX/XX/XXXX
Product: Debt collection

i contacted the company and asked them to provide me with proof that this debt belongs to me but they did not. They refuse to remove this off my report but can not provided me with reasonable proof.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple fees I might have incurred. Despite having sufficient funds when transactions were authorized, I believe there is a possibility 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: Debt collection

This company has failed to provide written confirmation of debt or other legally required notice of this debt and has also failed to provide me with a contract with my signature or any other proof of validation pursuant to 1692g /us 1006.34 since this debt can not be verified/ validated I demand it be removed or penalty for damages will be pursued duvara billing services llc XXXX furthermore this account is reported as a charge off but the company claims to have no 1099 for it
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor Navy Federal Credit XXXX XXXX XXXX has violated my rights under 15 USC 1681SECTION 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a credit card account under a open end consumer credit plan as late for any purpose.
Product: Debt collection

I had a payment arrangement with XXXX XXXX that was incorrectly setup by the hospital. Because of this, no automatic payment was made and they cancelled the payment arrangement. XXXX mailed me a letter that got to me after the deadline for resolution, so they sent it over to Credit Control Corporation ( CCC ) for collection. 
Since this debt was due to hospital error, I requested validation of the debt from CCC. I sent the letter to XXXX. via Certified Mail with delivery receipt. They received the letter on XX/XX/XXXX. In the validation request I asked for : name/address of creditor, a copy of the original payment arrangement, copy of last billing statement sent to me by creditor, date they obtained the file, original amount of the debt, statement of additional interest accrued, and date creditor says debt became delinquent, among other things. I received partial information this week- They only sent me a Detailed Hospital Charges ( Detail Bill ) from XXXX printed on XX/XX/XXXX, which only includes current Balance Due and breakdown of services/dates. 
They are not giving me enough information to prove that I owe this debt to them.
Product: Debt collection

On XX/XX/XXXX a collection amount of {$630.00} was opened and placed on my credit report as a derogatory remark by XXXX XXXX a credit card by XXXX XXXX that I had paid off in XX/XX/XXXX it was only {$85.00} left on my statement. I reached out to the company and told them that I did not receive any paperwork on why it's being sent to collections and was never notified about any payments that had to be made nor did i get any mail saying i owe any money when i paid off the card. I now can not get anything done when it comes to mortgage, car service, loan service because of this mark on my credit and the company did not show any help. I'm XXXX years old and I don't think this should be haunting me into my adulthood when the bill was paid already.
Product: Credit reporting or other personal consumer reports

I did my research with the fair credit reporting act and XXXX XXXX XXXX  I have no account number with them cause I never did business with them, has violated my rights. The following laws : 15 U.S.C 1681 section 602 A State I have a right privacy.

15 U.S C 1681 Section 604 A section 2 : a consumer reporting agency can not furnish an account without my written permission.
Product: Debt collection

I joined XXXX XXXX XXXX XXXX XXXX on XX/XX/2013. On my contract it states that I can cancel within 30 days. ( I have a copy of this contract ) On XX/XX/2013 I sent a written request for cancellation thru Certified Mail. ( i have a copy of this receipt ) On XX/XX/2013 I received a letter from Account Recovery Services telling me that they have reported this debt to the credit bureau. On XX/XX/2013 I sent a written request to with a copy of my contract and the letter canceling the contract to Account Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. ( I have a copy of this letter and I copy of the certified mail receipt ). I have written at least a dozen letters to both XXXX XXXX XXXX and to the Account Recovery Services Inc and they refuse to take this inaccurate information off of my credit report. This information has been on my report for over 4 years and I want it off now. This negative remark on my report has cost me hundreds in high interest charges. Please help me get this off of my report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX XXXX and State Department XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX Acct # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I opened an account with BBVA on XX/XX/17. I completed my application on that day, but was approved at a later day. BBVA was running a promotion for setting up an account with a direct deposit of {$300.00} or more. I completed the direct deposit and waited the allotted time. My bonus has not been paid. I have called BBVA multiple times and they always say they will look into it but I have never been called back. I was eventually told I opened the wrong account, but after that call I went and looked at my application and it was for the correct account for out of state applications. I emailed multiple times and after weeks I get a reply that the account was opened after XX/XX/17 even though I completed my application on the date. I then email again showing that my application was completed on that date. I get a response a week later to call in again. I call in again and get told it will be looked into again. 

Still no follow up. I just want this properly handled and the promotion applied.
Product: Credit card or prepaid card

For several years now, Discover Card has offered 5 % cash back from XXXX through XXXX for XXXX purchases using a Discover card. This year they seemed to have expanded it, listing " digital wallets '' as the current 5 % cash back category. XXXX is a digital wallet by definition, and since previously it was XXXX exclusively, one would think that Discover simply expanded their 5 % cash back category this year to include all digital wallets. After receiving only 1 % cash back on a Discover Card XXXX purchase earlier this month ( XXXX ), it seems that Discover is using their own definition of what a digital wallet is, instead of the generally accepted definition of a digital wallet. They are excluding XXXX from being a digital wallet, even though XXXX is definitely a digital wallet. This is very deceptive because they simply say 5 % cash back for " Gas Stations and Digital Wallets '' for XXXX through XX/XX/2023. Here is the official description of XXXX : " XXXX is a financial services company that functions primarily as a digital wallet and money transfer service. '' Thus, Discover Card is employing a deceptive promotion in excluding the longest running, best known digital wallet in existence!! And no, I have no affiliation with XXXX other than being a long time user of XXXX 's services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax consumer report : XXXX XXXX XXXX XXXX : XXXX Creditor Account No. : XXXX Balance Owed : {$110.00} On XX/XX/XXXX a collection for {$110.00}, owed to XXXX XXXX XXXX, was added to my Equifax credit report. On XX/XX/XXXX I opened a despute challenging the validity of the collection reported by Equifax Information Services and requested the method of account verification and proof bearing my signature, stating that I have ( or ever had ) some contractual obligation to pay them. The " request letter '' was received by Equifax Information Services via USPS Certified Mail on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Equifax which outlined their investigation methods. Equifax then marked the account as verified, never stating their method of verification. I then contacted XXXX XXXX XXXX via USPS on XX/XX/XXXX, requesting any proof of a contractual agreement between myself and their company. In response to that request I received a cover page with XXXX 's letterhead and a copy of a XXXX phone bill, not any sort of contract bearing my signature drafted between myself and XXXX XXXX XXXX XXXX 

Both XXXX XXXX XXXX and Equifax Information Services have failed to produce any competent evidence showing a contractual agreement was made between myself and XXXX XXXX XXXX, therefore I demand that this negative and incorrect information be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Checking or savings account

I filed a complaint with you all back in XX/XX/2018. Once the company responded to the complaint, that was my first time ever seeing the checks that were allegedly mine. The signatures were forged and I sent proof to two representatives of the company. One of them being the CEO and I never got a response back from either
Product: Credit reporting or other personal consumer reports

identity theft ran my credit for their own personal use. inquiries on my report does not belong to me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violate the consumer finacial protection act ( cfpa ) Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Im am going to a health issue which is causing me to having financial hardship and not able to work. However the vehicle is broken and not drive-able due to coolant tank being blown the total cost for the vehicle to be fix is XXXX dollars that I dont have due to me not able to work, while receiving non stop calls after hours pass XXXX and receiving calls early morning before XXXX XXXX which is a violation of the FDCPA also stated on you guys website as well that I should not receive any calls however I do as reported previously but I also have been threatened that the vehicle will be repossessed.
Product: Credit reporting or other personal consumer reports

I reviewed my current credit report from XXXX, XXXX & Equifax and it seem to have inaccurate information and fraudulent accounts on my credit report with all credit bureaus. As a consumer this is holding me back to get a house for my family.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, XXXX 2022 for the amount of {$120.00} was in my cashapp account and was sent to a XXXX XXXX not by me, I was in XXXX fl without any service on my phone, and someone from a different phone and location sent my {$120.00} to that person, I have tried to call cashapp customer service number and its not working and on the cash app support chat system all I get is they need a good email address to contact me, I have gave it several times and no one has contacted me, they will not give me the ip address that the transaction was made by, I have had the chief of police and my lawyer contact them but they still won't give the ip address and they will not refund my money, I'm 7 months pregnant and I have a XXXX XXXX XXXXr old daughter that is now in the hospital due to her XXXX being too low and I had my money took away and I couldn't get her any food nor can I pay my light bill, I really need my money refunded back to me asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft with Transunion. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Transunion has failed to remove and block this item from my consumer report. XX/XX/2023 they responded with a letter saying that my request is declined becaus they have determined that my request was made in error ; is a misrepresentation of material fact relevant to the requst to block and /or I have obtained possession of goods, services or money as aresult of the transaction issue. This is a violation of my consumer rights. I am demanding the immediate removal and blocking of this item from my report.