23daVinci/CFPB_Complaints huggingface dataset:
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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

COMPANY : XXXX XXXX FEDERAL TRADE COMMISSION - IDENTITY THEFT REPORT FTC REPORT NUMBER # XXXX AMOUNT : {$4500.00} I CURRENTLY HAVE A FRAUD IDENTITY THEFT/ FRAUD CASE ON MY CREDIT REPORT ACCOUNT. A RESULT FROM NUMEROUS FRAUDULENT CREDIT ACCOUNTS ON MY CREDIT REPORT WHICH DO NOT BELONG TO ME AS WELL AS MULTIPLE SOCIAL SECURITY NUMBERS ON MY CREDIT REPORT. I HAVE TAKEN ACTION BY OBTAINING THE IDENTITY THEFT REPORT, OBTAINING PROPER DOCUMENTATION AND FORWARDING THEM TO THE CREDIT BUREAS. HOWEVER, THE CREDIT BUREAUS HAVE STATED THAT THEY CAN NOT REMOVE THIS ACCOUNT AND THAT I NEED TO CONTACT XXXX XXXXXXXX DIRECTLY. 

THEREFORE, I PROCEEDED IN CONTACTING XXXX XXXX REGARDING ACCOUNT NUMBER ENDING IN XXXX. I STATED THE IDENTITY THEFT CASE AND ATTEMPTED TO PROVIDE THEM WITH DOCUMENTATION TO ASSIST ME IN THE REMOVAL OF THIS FRAUDULENT ACCOUNT WHICH DOES NOT BELONG TO ME. ESSENTIALLY I AM REQUESTING JUSTICE. 

THE XXXX XXXX REPRESENTATIVE STATED THAT THEY HAVE COMPLETED THEIR INVESTIGATION AND THAT I CAN NOT APPEAL OR OPEN THIS CASE. THEY DID NOT ALLOW ME THE OPPORTUNITY TO PROVIDE ADDITIONAL DATA, DOCUMENTATION, OR FORM TO APPEAL OR OPEN THIS CASE. THERE WAS NO FORM OF A FAIR JUSTICE IN PLACE. 

IRONICALLY, I PREVIOUSLY HAD A SECURED CREDIT CARD WITH XXXX XXXX WHICH I CLOSED IN XXXX, THE STATUS ON THAT ACCOUNT READS, " PAID AND CLOSED ''. I CURRENTLY HAVE A NEW SECURED CREDIT CARD OPENED IN XX/XX/XXXX AND A CREDIT CARD OPENED IN XX/XX/XXXX, BOTH ARE IN GOOD STANDING AND REFLECT AS " OPEN/NEVER LATE ''. 

AFTER CONSTANT PERSISTENCE FROM MY BEHALF WITH THE XXXX XXXX REPRESENTATIVE FOR A DETAILED DESCRIPTION WHICH I AM ENTITLED TO, THE REPRESENTATIVE AGAIN REPEATED THAT THERE IS NOTHING THAT CAN BE DONE FROM MY BEHALF BECAUSE THEIR TEAM HAS ALREADY COMPLETED INVESTIGATION. HE THEN MENTIONED THAT THERE ARE LINKED WELCOME KEYS AND PHONES WHICH JUSTIFY THEIR INVESTIGATION. I THEN MENTIONED TO THEM THAT THAT IS NOT SUFFICIENT JUSTIFICATION TO HOLD ME ACCOUNTABLE FOR AN ACCOUNT THAT DOES NOT BELONG TO ME, AS THIS IS AN IDENTITY THEFT CASE. THEREFORE, THEIR REASONING IS NOT SUFFICIENT, ESPECIALLY IN THIS IDENTITY THEFT CASE WHICH INVOLVES WHICH CAN INVOLVE CYBER ATTACKS, HACKS, IP ADRESS HACKING, AND THEFT OF IDENTITY. ALL OF WHICH I AM A VICTIM OF. 

THE REASONING FROM XXXX XXXX IS NOT VALID, IT DOES NOT TAKE INTO ACCOUNT THE CURRENT INFORMATION TECHNOLOGY AGE WHERE THESE IDENTITY THEFT CASES ARE INTERTWINED WITH HACKS OF IP ADDRESSES, HACKING ATTACKS, LOCATIONS, PHONES, AND PERSONAL INFORMATION FROM NAMES TO SOCIAL SECURITY THEFT. ALL OF WHICH I AM A VICTIM OF. 

I NEED FAIR JUSTICE, THIS IS INJUSTICE FOR ME. I DID NOT OPEN THE ACCOUNT ENDING IN XXXX, I AM A VICTIM OF IDENTITY THEFT AND AM NOT RESPONSIBLE FOR THIS ACCOUNT.
Product: Debt collection

On XX/XX/2021 I contacted ACCOUNTS RECEIVABLE Inc. And I spoke to XXXX XXXX , she was very professional but did not resolve my problem. This company is reporting me to credit bureaus that I owe them {$790.00} which I never had anything with this company or company they represent ( XXXX ) I informed XXXX that I was victim of a fraud and already emailed her police report and ID to prove my identity. 
I want ACCOUNTS RECEIVABLE to fix this issue ASAP, they ruined my credit score by almost 50 points with reporting something that is false.
Product: Payday loan, title loan, or personal loan

I feel my privacy has been violated. I did not give them permission to post my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company continues to report my previous mortgage ( Shell-point ) as foreclosure and it was a short sale, that is inaccurate as was not a foreclosure, my next step will be filing a lawsuit if the account is not removed immediately. I have sent countless letters and disputes and continue to be verified as accurate.
Product: Credit reporting or other personal consumer reports

i reviewed my credit report and noticed these accounts on my report please remove these accounts, it is hurting my ability to obtain credit.
Product: Mortgage

I have closed on my FHA XXXX loan over 3 months ago, I took out a XXXX loan so I could have the roof replaced after I bought the house. The roofing company I chose got half down for the roof and supposed to get the other half after the roof was replaced and all inspections have passed. The roof has been replaced and all inspections have been passed over two and a half months ago. The money store is refusing to pay the roofers roofers and continue to ask for more financial information for their " investers '' ond saying they will not pay the roofers unless I give them all the info they need.I have cooperated fully, now it has been almost three months, the roofers are still not paid and they are going to put a lien on my house. The money store continues to ignore my phone calls
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

XXXX XXXX, received a call from the chime support number ( XXXX ) at XXXX on XX/XX/XXXX, claiming that my bank account could be at risk of fraudulent activity. Obviously I began to be worried and went through the process to ensure that it wouldnt happen accordingly to the chime support employees requests such as changing my pin and putting a block on any future transactions. After this call disconnected is when un authorized transactions began to be made in XXXX, az at XXXX XXXX XXXX XXXX XXXX. 4 charges of {$100.00} ( total amount {$400.00} ) between XXXX XXXX XXXX on XX/XX/XXXX. I immediately called my bank chime support using the support number they provide ( XXXX ). They claim that the original support employee I spoke with about risk of fraud activities was an impersonator/ the person that committed fraudulent transactions to my account as they insist they do not make calls out to their members. I had no reason at the time to believe otherwise as they were using the same exact phone number of chime financial support, they had all my information prepared without me sharing it such as my name, phone number, digits on debit card, and the total amount I had in my checking account. I had not lost my physical debit card nor had I provided any personal information to anyone directly or online. I have now spent several hours and several sleepless days contacting chime support to investigate these transactions and they have denied my dispute and request for further investigation 4 times now. Chime support claims that there was no error in the 4 transactions that were made of {$100.00} at XXXX XXXX. Even though I called immediately and told them of this situation. I have now opened and reopened my dispute four times with additional documentation to prove that I did not make these transactions, that I was at home in XXXX, AZ. I have lost hope that they will approve my dispute to further investigate this matter. I have now began to rely on other sources that I have reached out to such as, XXXX XXXX, the federal trade commission, the federal credit bureau of investigations, XXXX XXXX XXXX on XXXX XXXX, and the XXXX police fraud department. I have also reached out the merchant XXXX XXXX place directory and XXXX ( XXXX XXXX XXXX XXXX  ). They are limited in information they are able to provide and insist that I allow my bank to handle this matter. however as I said, my bank chime support has denied my dispute to further investigations. I am at a loss of {$400.00}, I am losing sleep over this, I am gaining only stress and a a headache hoping that some one may care that my privacy and checking account has been violated. I am very dissatisfied and disappointed in the progress that has been made so far to retrieve my funds back to me.
Product: Checking or savings account

In XXXX of 2024 I opened a new HSA account with XXXX. XXXX said it would take 30 to 90 days to get the funds transferred. In XXXX XXXX called to say Optum had not completed the request. I contacted Optum they said I had to fill out a account closure form they directed me to it told me how to fill it out. I completed it and uploaded it as instructed. That was XX/XX/XXXX. I contacted them today and demanded my funds. I am speaking with XXXX a supervisor at Optum. The form was uploaded on the XXXX. The first rep said it was received on the XXXX. This rep said it was received on the XXXX.
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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the Experian credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

XX/XX/XXXX i transfered to XXXX XXXX {$11000.00} And XXXX refunded XXXX XXXX equal to XXXX USD on XXXX XXXX, base on the intime exchange rate XXXX but XXXX XXXX only show XX/XX/XXXX XXXX  XXXX XXXX XXXX IN XXXX {$9900.00} there is XXXX shortage
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 items that were 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 XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Im extremely frustrated to see an unauthorized inquiry on my credit report this morning. I checked as I normally do, but this time I found unexplained discrepancies. Refreshing my browser didnt fix it, confirming it wasnt a glitch. I urgently need the documents I sent to be thoroughly reviewed so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DATE OF BIRTH OF MY EQUIFAX CREDIT REPORT IS WRONG I HAVE ATTACHED MY I.D . SHOW THE RIGHT INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was reported for suspected fraud activity and my bank accounts in XXXX XXXX XXXXXXXX were closed. XXXX were joint accounts that my niece and I had opened in XXXX, which Im the primary signer. The third account is a separate savings account that I opened on my own in XXXX ; which was closed as well. Unfortunately my niece and I ended up being victims of fraud in XX/XX/XXXX. My niece was attempting to sell a vehicle she posted online and the person interested in buying was in XXXX at the moment, he said he was going to send the money using online transfer, but without our knowledge he went to an ATM and deposited XXXX checks into the savings account. The total amount deposited was {$24000.00} USD. As soon as the bank released the hold on the checks he contacted us because he said that he made a mistake and sent too much money. We returned a total of {$18000.00} USD, which was done by transfer in a branch of XXXX XXXX  XXXX in XXXX XXXX, and also with Zelle. Shortly after the Bank contacted us by email stating that the account balance was at critical low risk, this was because the checks deposited into the account were fraudulent and they bounced. Then we began calling the bank, making claims and also reported to the police. XXXX  XXXX XXXX took immediate actions by closing our accounts and reporting us to XXXX Consumer Reporting agencies, these are : XXXX XXXX and Early WarningXXXX I disputed with these agencies on XX/XX/XXXX and sent supporting documents, on XX/XX/XXXX I got a positive response from XXXX XXXX, they proceeded to clear and delete me from their records, but Early Warning didn't do the same, they said that the information was correct and would remain on their records. Now XXXX years later I requested an updated consumer report and noticed that the information still remained on the report, which is so disappointing because this is a negative situation that affects me. How can the bank and Early Warning accuse me for account fraud? I was a victim of a crime and have a police report that states so. The detective also forwarded the case to the FBI because he classified the crime as XXXX XXXX. I tried again to solve this situation with the agency but they say that I can't dispute again. So I really hope that this complaint I'm sending will help to clear my negative report from this agency ( Early Warning ).
Product: Prepaid card

This complaint regards cash app. There has been three times, where money has been withdrawn or transferred with out my consent. The first time, {$20.00} got withdrawn or transferred. The second time was {$15.00} it was transferred into XXXX, then withdrawn.the last time was {$35.00} withdrawn or transferred into someone else 's account without my consent. I asked cash app to supply me with records of the transactions but they could not. Please help me with this. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I paid off a motorcycle with XXXX XXXX a third party agency for Capital 1. The information has yet to reflect on my credit report as closed and paid in full and the title still has a lien. Items that XXXX XXXX said they would take care of with Capital 1. Now over 45 days have passed and I can not connect with anyone for a resolution. This is now preventing me from closing on my new home. Per the information below I am requesting a resolution as balance paid in full on my credit report and the title cleared just as XXXX  promonised. Capital 1 XXXX XXXX Department : Please note that my is name is XXXX XXXX and this is in reference to account number # XXXX for my XXXXXXXX XXXX XXXX XXXX # XXXX  There have been a variety of issues with this account beginning with appropriate information on auto drafts not being deduction never been mailed, lack of notification of past due balance, and there was never an attempt to require the motorcycle. It only became apparent to me when a credit report was run two years ago for a home loan. When I became aware I began making payments to XXXX XXXX and XXXX XXXX XXXX XXXX, under account # XXXX. Since XXXX of XXXX I attempted to get into contact with someone at XXXX XXXX to pay off the balance on this account. It took over three months to get in touch with someone there after I was given the run around day after day. On XXXX XXXX per the arrangement made with XXXX XXXX I paid off the vehicle for {$1700.00}. I was provided the attached letter as proof of payment. I was also advised that Capital 1 would be notified, the title would be cleared, and my credit report would update to show a zero balance paid in full. On XXXX/XXXX/XXXX I attempted to obtain an updated title as I am selling the motorcycle. I was advised that there was still a lien on it from Capital 1. On XXXX/XXXX/XXXX I was notified by my mortgage specialist that they are unable to move forward with the closing on my home as my credit report still reflects a past due balance owed in collections to Capital 1. I am very frustrated as this entire situation has been a nightmare. I have attempted to get into contact with XXXX XXXX and have been repeatedly sent voicemails. A receptionist there advised me it was not their issue that it was now that of Capital 1. This is holding up my cash on hand for my home as well as my closing and it is unacceptable. I expect this issue to be escalated and resolved ; the title should be cleared and the item should reflect paid in full on my credit report ASAP.
Product: Checking or savings account

Made a purchase using my cashapp card that was from a business called XXXX XXXX  XXXX. Im unable to get in contact with the business about my order, no email replies or phone calls, on top of having no order confirmation email. Cash app continues denying my dispute irregardless that ive never received the product i purchased. I am not the only one who has had issues with the supplement company as others have also had never received their product.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX I had XXXX. I also had one other person added to my account because they claimed they needed a phone. The person decided they would not pay their bill so I brought my phone up to date and switched to XXXX in XXXX. Prior to that, XXXX charged exuberant prices to which they could not allocate the reason for the costs and wrote them off as hidden fees. XXXX is a very bad company. Fast forward to XXXX, I am receiving letters stating I owe $ $ on a device that is not in my possession nor do I own. The person on my account attempted to send the phone back to XXXX, XXXX claimed they could not take the phone. XXXX has messed up my credit significantly and has set me back 5 years. Without any investigation, XXXX allowed an account under my name to remain open and charged. Now that theyre no longer a company, theyve insistently harassed me over a year for a charge that does not belong to me and subsequently, ruined my credit.
Product: Credit reporting or other personal consumer reports

The Consumer alleges IDENTITY THEFT from Data Breach, as XXXX, XXXX and XXXX violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files ; failing to delete inaccurate, incomplete, or unverified information in consumer credit files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information XXXX reports on consumers. In addition, the complaint alleges that XXXX committed unfair acts or practices in violation of the Consumer Financial Protection Act of XXXX by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( 3 ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher. The Consumer seeks, among other things, to bring XXXX into compliance with the law, consumer redress, and the imposition of civil money penalties. 

Pertaining to the INACCURATE furnished Information by XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$13000.00} in Cahoots with ALLY FINANCIAL which is false representation of inaccurate credit reporting.
Product: Credit reporting or other personal consumer reports

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity theft!! Please delete these items IMMEDIATELY!! 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2014 This account should not be furnished on my consumer report as it is in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report any on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I demand the deletion of the listed accounts IMMEDIATELY!!