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

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My bank notified me about suspicious activity on XX/XX/XXXX. My account received ten unauthorized charges from COINBASE. These unauthorized charges are double charges from previous purchases I have made from XX/XX/XXXX-XX/XX/XXXX. 

I have tried contacting COINBASE through email and telephone to no response. I have only received an automated " thank you '' email.
Product: Credit reporting or other personal consumer reports

I contacted Transunion for the past month to correct my credit file I was told I had a mix file with information belonging to someone and that they would send it to the back office for maintenance and the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would all be removed from my file in 24 hrs as oh XXXX XXXX which its now XXXX XXXX and nothing has be removed
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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Bank account or service

Navy Federal Credit Union had what they called a XXXX program ; they give you {$50.00} to start a savings acct if you are sponsored by a present member and an additional {$50.00} dollars for every one you sponsor up {$250.00}. My daughter was sponsored by a member that is a veteran ; my daughter in turn sponsored me because the rule was you could sponsor immediate family members ( verified this several times thru NFC customer service dept ). My acct was created successfully. I was able to login online and see the acct and change my password successfully. I then went on to try and sponsor other family members ; but when I tried to sponsor a family member to go thru the sponsorship process they were blocked and told by reps of NFC that my acct was not verified. I went back online and was not allowed to login to my acct.. I called Navy federal and ask why I could no longer login and after much questioning and asking for an supervisor I was told that the reason my acct was now not verified is because my daughters acct had not been verified. I contacted my daughter about it and when she contacted them she was told that her sponsors acct ( the veteran member ) had been flagged because another person the original sponsor of my daughter sponsored was a XXXX male and he sounded like a woman over the phone so they flagged him and every one associated with his sponsor. That just does n't seem right to me that you flag a person acct because they sound like a woman. I 've had numerous occasions over the phone that a woman sounds like a man and vise versa. But because of the way someones voice sounds you make a judgement call and not only flag their acct but everyone 's acct that maybe remotely connected to it ; especially after my acct was already setup. It just seems to be yet another fraudulent practice by a financial organization that I want to put out in the open and find out is this is a legitimate procedure to give a person an acct then disable it because of something like this. That 's my complaint. Just want to know if this is illegal or a fair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1100.00} XXXX XXXX {$1300.00} USDEDPED XXXX {$9200.00} XXXX XXXX XXXX XXXX {$4000.00} USDEDPED XXXX {$3500.00} XXXX XXXX {$0.00} XXXX XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

The account Medical Data Systems Inc, XX/XX/year> is now on all Three Bureau. This is a complete violaiton of the no surprised act. Delete this from my account immediately. My privacy is protected under HIPAA Laws. if this isn't removed, Litigation will follow for all Three bureaus,
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance {$2000.00} ; XXXX XXXX Balance {$4500.00}.
Product: Credit reporting or other personal consumer reports

On XXXX I requested XXXX to send either validation of this alleged debt or proof of contact with wet ink signature. They responded on XX/XX/XXXX with a brief response that read a 1099-C was not issued because the debt was not canceled or forgiven. They only acknowledged a very small portion of what was asked of them. I have no knowledge of this account and would like proof of me signing for such a contract and the terms. They do not have my consent to furnish innacurate accounts on my consumer report and this has resulted in pain and suffering and defamation and denial for credit. I would like them to stop invading my privacy and cease all communication and delete the file from my report immediately.
Product: Student loan

I have an open complaint XXXX. I read the companies feedback and I want to attach the actual loan amounts and dates from Navient that is located on my Federal Student Aid account. This is proof that I did deal with them and I received and made payments on those loans through Navient. I am attaching screen shots of my Federal Student Aid Page.
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. 

List of Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I had fraud on my checking account with Navy Federal Credit Union. This happened while I was in XXXX, the person who did it was XXXX XXXX, I submitted all the fraud affidavits filed a report with the police in XXXX, XXXX and filed a ftc report as well. In addition I filed the fraud paperwork Navy Federal Credit Union sent me. This still has not been resolved. Navy Federal has blocked access to my accounts and say I owe them for this. I have filled out all the paperwork, filed police report but still they will not let me access my ccounts or give me new account numbers.
Product: Debt collection

This company is reporting an account to my credit report, I have never had an account with this company.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX  Balance Owed : {$3900.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made fraudulently in my name due to the breach. 
Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$560.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$430.00} XXXX. XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$380.00} XXXX. XXXX Account Number : XXXX, Opened : XX/XX/XXXX, XXXX : {$11000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2100.00} Inquiries to Be Removed : XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX  ACIMA DIGITAL FKA SIMPLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do no recognize this account and am afraid my identity may have been stolen. Please investigate and remove this account from my credit report. Sincerely, XXXX XXXX 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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX, 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :
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 has violated my rights. 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section2. 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, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I called Mohela several times during the COVID moratorium in order to find the interest on my loans. They would not provide me an interest rate on my loans so when I made payments, I could not direct it to loans with a higher rate. I have a concern that they were accruing interest on loans that should not have been growing. When the loan totals and interest rates were finally accessible the amounts were higher than expected. 

I refinanced my loans in XXXX with XXXX and a payment exceeding my total loan debt was sent. Mohela cashed the check but did not credit my account and continues to call me for payments. I have spent over 10 hours on hold attempting to speak to a supervisor and I have been sent to dead ends or have been hung up on. I've expressed to them that I am getting spam calls, so I need to speak to someone when I call in versus waiting for a supervisor however they have failed to connect me after assuring me that after waiting I would. When the supervisor calls, they call from an unknown number and provide a call back to the main number which starts the process all over again. I am also a surgeon and unable to step away from patient care when I am operating which makes this process more difficult. It also looks like I have over XXXX in student debt with Mohela and XXXX with XXXX now. This also impedes my ability to obtain business loans for my private practice. 

This practice that Mohela is performing has been predatory and exploitive.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices which violates the Consumer Financial 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: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  1. Verification Requirement ( 15 U.S.C. 1681i ) : The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 1 day.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.
Product: Credit reporting

The reason for my complaint is because Experian has continued to report a publicrecord that is fraudulent even though I have sent supporting information to have the public record removed. They continued to claim that the public record is coming back verified from the Vendor. I have contacted their vendor XXXX XXXX XXXX XXXX and expressed my concern and brought to them my concern in a separate complaint that i filed with CFPB case XXXX. They responded with my concern explaining that the XXXX County Public record was removed from my lexis nexis risk file. I am attaching the response that I received through the CFPB portal from XXXX XXXX and requesting for Experian to remove this public record from my experian file. The last complaint that I put on Experian in my opinion they did not even do an investigation as the results were given not even 5 days from the date that I put the complaint. 

I am also going to attach my Drivers License and Social Security Card requesting for Experian to remove the Extended fraud alert from my file. I attempted to upload the document to the Experian website and they have also failed to respond to my request. I am requesting for a credit line increase with one of my creditors and they are declining me because of my fraud alert. They requested that I remove from my credit profile before they can continue with my request.
Product: Credit card or prepaid card

I have never had a credit card in my name. This account was opened fraudulently without my knowledge.
Product: Debt collection

Mortgage comp failed to disclose county tax bills and now have to paid for taxes and penalties. Mortgage comp will not disclose phone calls alleging that they did in fact advise me on that issue. I have no issue paying my county taxes but not the penalties. I have ask mortgage comp for phone calls alleging that in fact they informed me of the issue which they will not provide me with. This cause my mortgage to rise a lot which I can not afford not only that stress on myself as a sole provider of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XXXX XXXX XXXX I noticed an account on my credit report. I called Capital One to indicated that account ending on XXXX was not fine. It was a fraudulent account open under my name. On XXXX XXXX  I received and email with an account statement, stating that the payment was pass due. The account it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This SAFERENT SOLUTIONS LLC, made a hard inquiries into my credit report which I do not have any open transaction with them or any reason why they should have used my credit report.