23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed bankruptcy XX/XX/XXXX listing XXXX as a creditor whom failed to show for the hearing. I also disputed this debt on my credit report with XXXX and it was removed only to now be relisted as of XX/XX/XXXX. This is a violation to myself and under the Consumer debt relief act under the Federal Law. I want this to be removed as I am asking in good faith that Convergent Outsourcing Inc . Attempting to deface my attempt to move on and get my credit back on track to keep from having to file a legal suit that they would place this back on my credit with a new debtors date for an old debt.
Product: Consumer Loan

My XXXX credit report shows an unauthorized credit inquiry from BB & T Financial Services on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted each lender requesting removal, but my request was refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC identification theft and KY state police report. 
Also a workers comp injury at XXXX XXXX has left me broke. Started w a chapter XXXX as I made about {$1200.00} a week to XXXX as XXXX XXXX Refused ... not realizing it was chronic and deathly, after 6 mths I had to file chapter XXXX. 
XXXX framed me for theft and I caught them and got clear, the identity theft dropped my score 200 points. I had XXXX But XXXX either left portal open .. or XXXX XXXX , of XXXX XXXX sent in an attachment on my software update. I have tried, maimed in filed on line 1 ) XXXX XXXX goes to court in XXXX, XXXX They offered , but again This is likely death. 
2 ) XXXX has bullied me and .... cost me a lot of $ I feel they are part of the id theft which stole XXXX XXXX ) XXXX and XXXX recovered 4 ) I go XX/XX/XXXX for my SS XXXX 5 ) my credit is good but I cant get a loan to survive .. Fcc has 15 complaints on XXXX  w evidence. 
6 ) why wont TRANSUNION fixing this? Us XXXX  paying them to? Wheres consumers right 1-3 has corrected 7 ) fix now
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft or improper use of my information and should be blocked : XXXX XXXX XXXX | # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately with these account. Here I add the FTC report, hoping that you make a better work in this situation, thank you.
Product: Student loan

I took out the loan through Sallie Mae in XXXX for my daughter. Along the way, the loan moved to Navient. I was encouraged to place the loan in forbearance and this happened several times in the past XXXX years. My original loan amount was {$18000.00} and I am now being informed that I owe an {$30000.00}. I did not understand the implications of placing the loan in forbearance and was encouraged by the Navient team to do this. In addition, due to the accumulating interest, I have been unable to keep up with the payments and my co-signor has been receiving letters from Navient. Needless to say, I feel that this is an invasion of my privacy and very upsetting. I feel that I qualify for the Navient lawsuit and want to be included to receive a discharge of this amount owed.
Product: Bank account or service

I received a Netspend Premier Prepaid Card from filing my federal and state tax returns on XXXX XX/XX/XXXX. I only physically used the card a few times and added the card information on all of my online accounts as my default payment method, I primarily make purchases online and rarely use my card in stores due to my inability to leave my home very often. On XXXX XXXX at approximately midnight, I noticed the card was missing and immediately called the automated line and reported it stolen. They cut off the card and froze my entire account. Freezing the account not only prevented anyone from using the card but it prevented me from accessing my funds. I filed a police report the following morning and began assisting the investigating detective gather any information and evidence that I possibly could. The next afternoon the detective already had surveillance footage from several merchants and I then identified the subject as an acquaintance and gave them information on her known whereabouts. Charges were filed and an arrest warrant was secured. She is currently incarcerated awaiting court. I properly filed a dispute with the card company and even provided them with all of the detective 's contact information. On XXXX XXXX, I was told that the dispute had been resolved and I would not be getting any credit for any of the fraudulent transactions. I am appalled and confused. I worked very hard for the refund I received and someone stealing my card and stealing over {$1600.00} in funds has destroyed me. I have now lost my car, my job and was evicted from my home two days ago all as a result of this ordeal.
Product: Credit reporting or other personal consumer reports

Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate consumer service and unfair practices, which violate violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to make 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 call significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Removal of Incorrect Repossession from My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute the repossession listed on my credit report by XXXX XXXX XXXX XXXX, which is being improperly reported by the XXXX major credit bureaus. Despite my efforts to correct this inaccurate reporting, the credit bureaus have refused to remove the erroneous information, negatively affecting my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ), furnishers of credit information, such as XXXX XXXX XXXX XXXX XXXX are required to provide only accurate and verifiable information to credit reporting agencies. If an item is inaccurate, unverifiable, or outdated, it must be removed or corrected. Additionally, under XXXX U.S.C. XXXX, credit reporting agencies must conduct a proper investigation when a consumer disputes inaccurate information. Their continued failure to remove or correct this information violates my rights under federal law. 
Furthermore, under IRS XXXX XXXX U.S.C. XXXX, if a lender cancels or forgives a debt of {$600.00} or more, they are required to issue a XXXX Cancellation of Debt form to the borrower and report it to the IRS. Since the vehicle was sold at auction, and if any deficiency balance was forgiven, XXXX XXXX XXXX XXXX was legally required to issue a XXXX for tax purposes, which would indicate that the debt has been discharged. If such a form was issued, the debt should not continue to be reported as active or outstanding on my credit report. 
Since the repossession has been reported inaccurately and the necessary legal steps were not followed, I am requesting that the CFPB investigate this matter and ensure compliance with federal laws. I ask that this repossession be removed from my credit report to reflect the accurate status of my financial obligations. 
Please inform me of the next steps in resolving this issue. I appreciate your prompt attention to ensuring that my credit report is fair and accurate. 
Sincerely,
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 Account # 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: Prepaid card

Subject : Unjust Denial of Dispute Way to Go Card Dear XXXX XXXX XXXX, I am writing to formally lodge a complaint against Way to Go Card regarding their unwarranted denial of my dispute for the second time. The disputed amount is {$600.00}, and despite providing a comprehensive police report as evidence, my claim was summarily dismissed. 

Timeline of Events : 1. **Dispute Submission : ** On XX/XX/year> and XX/XX/year> I submitted a dispute for the unauthorized charge of {$600.00} on my Way to Go Card. I included all necessary documentation, including a police report attesting to the unauthorized transaction. 

2. **First Denial : ** To my dismay, Way to Go Card denied my initial dispute without providing clear justification. I promptly resubmitted the dispute, ensuring all pertinent information was included.

3. **Police Report Submission : ** Understanding the gravity of the situation, I attached a detailed police report corroborating the unauthorized nature of the transaction. This report unequivocally supports my claim.

4. **Second Denial : ** Shockingly, Way to Go Card has once again denied my dispute, citing conflicting information. This denial is perplexing, as the police report offers unambiguous evidence supporting the fraudulent nature of the charge. 

**Concerns : ** 1. **Lack of Transparency : ** Way to Go Card has failed to provide clear and transparent reasons for denying my dispute, leaving me in the dark about their decision-making process. 

2. **Repetitive Denials : ** The repeated denials of my legitimate dispute raise serious concerns about the fairness and integrity of Way to Go Card 's dispute resolution system. 

3. **Disregard for Evidence : ** Despite providing a police report a legally recognized document Way to Go Card has not given due consideration to the compelling evidence supporting my claim. 

**Requested Resolution : ** I am seeking a thorough review of my dispute, taking into account the submitted police report. Additionally, I request a detailed explanation for the denials and a prompt resolution of this matter. 

This ordeal has caused undue stress and financial strain. I trust the XXXX XXXX XXXX will investigate this matter impartially and ensure a fair resolution of {$600.00}. 

Sincerely, XXXX XXXX # XXXX Email : XXXX XXXX
Product: Debt collection

I went to my XXXX account to check my credit. I noticed that my credit score had dropped significantly. I proceeded to check the reason why and I noticed there was an Affirm account which I never opened. There was XXXX different loans. 
XXXX loan - Date opened XX/XX/year> Full amount {$91.00} XXXX loan - Date opened XX/XX/year> Full amount {$82.00} XXXX loan - Date opened XX/XX/year> Full amount {$100.00} XXXX loan - Date opened XX/XX/year> Full amount {$69.00} I called Affirm and I told them i had no knowledge of these loans. They asked me to provide information such as full name, phone number, and email address. They found no account with the information I provided. I called XXXX and have filled a fraudulent claim. Waiting for update
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the impact of XXXX on my business Shellpoint Mortgage Servicing agreed to extend a forbearance on my loan payments until XX/XX/2021. 
At the end of XX/XX/2021 my application for loan modification was under review with Shellpoint Mortgage Servicing. 
Shellpoint Mortgage Servicing reported XXXX days delinquent and XXXX days delinquent to my credit report in XXXX and then XXXX of XXXX 
At this time I was not XXXX or XXXX days late as I was protected by my forbearance period and my application for loan modification was under review. I was in contact on a daily basis with Shellpoint Mortgage Servicing and not once was informed that delinquencies existed on my account. 
I reinstated my loan entirely by paying the entire balance accrued during the forbearance period to Shellpoint Mortgage Servicing. 
Since XXXX of XXXX I have been disputing the delinquencies on my credit report with Shellpoint Mortgage Servicing and the credit bureaus to no avail. 
It has been almost XXXX months that I have been trying to remove this negative item from my credit. My account is in good standing and my payments are made in full, and on time.
Product: Credit reporting or other personal consumer reports

Around XXXX and XX/XX/year>, I informed XXXX XXXX that I did not recognize a debt they listed on my report. The company they listed was NCA for an amount slightly over {$900.00}. Through XXXX XXXX, I asked NCA to validate the debt. I asked them to send to my email address that I provided a copy of the debt contract with my signature on it. I asked if there was an insurance claim found on the supposed debt. I also asked for a detailed payment history on the account. NCA did not send this information to my email as I requested. XXXX XXXX said the debt had been validated through XXXX XXXX " clearance ''.
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. 

Account name : XXXX  XXXX Account number:XXXX Account name : XXXX  XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX  Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

XXXX offered a credit line of {$1000.00} with monthly payments by debit/ach into a separate savings account that is available for withdrawal at {$500.00} increments. in exchange for the consideration of the monthly payments, XXXX will report a tradeline to the credit bureaus of {$1000.00}. the contract states that the tradeline will be removed only if i default on the payments or prematurely close my account. i always kept my account in good standing and met my obligations under the contract. 

XXXX sold to CreditKarma and terminated my account after the sale, rather than maintain and service the existing accounts when one financial institution buys another. because the value of the company sold/purchased is determined by its accounts. In doing this, CreditKarma defrauded me by accepting monthly payments ( civil theft ) without giving me any consideration for my payments by giving me the product i was enticed into paying for : credit reporting of {$1000.00} trade line. Creditkarma removed the tradeline from XXXX, causing my score to drop XXXX points, instead of keeping it open or report is as closed and good standing. removing the tradeline entirely makes the entire transaction and contract fraud and unfair and deceptive trade practices. the credit line, loan payments made, all for nothing and resulting in the opposite of what they advertised : negative credit score, rather than a positive improvement. the XXXX  tradeline created an increased credit score after payments were reported. when CreditKarma suddenly removed the tradeline, it resulted in the loss of any credit reporting benefit retroactively, resulting in Credit Karma being enriched by monies i paid them under false pretenses. Credit KarmaXXXX violated federal credit reporting law, TILA, TISA and other federal laws and regulations concerning credit, banking and lending.
Product: Checking or savings account

In XXXX of XXXX on the first my SSI benefits went on to my Direct Express card in about XXXX to XXXX a.m. LOL thresh transaction was made taking {$400.00} of my benefits and I only receive {$520.00} a month I went through all the steps by reporting and everything that I had to do I did that day that the money was unauthorized and taking off or out of my account. Then XX/XX/XXXX XXXX XXXX who is the answering service for customer service for Direct Express froze my Direct Express card that's the card that most people with SSI get their benefits deposited on I can not reach a live person I've even wrote to the oig US Treasury various people their social security department I've tried to reach condo and services which is the customer service number you have to call for Direct Express for any problem I can't even get anything to happen those companies along with Comerica Bank who holds all the money for the US Treasury for social security had or have civil lawsuits against them some people are having luck with getting their money back but I can not reach a person on the phone I need to have the account unfrozen and having a card sent to me and on XXXX there are groups for victims of direct express XXXX XXXX in Comerica Bank that I'll talk about their experiences some people have taken prepaid cards like XXXX or something like that to social security office and has it so security office call the XXXX XXXX the customer service and have them reroute the money back to social security office and then put it on your card but I'm getting the runaround and I have since XXXX of XXXX and we're almost in XXXX of XXXX that's all the money I have to live off of months {$520.00} so that hurt me I lost my home had problems paying car insurance getting medication going to the doctor everything lost a lot of a lot of my personal belongings my place to live was the most important I don't know what to do at this point I've done everything that I was supposed to do reporting the frog riding them a tizzy I've done it I'm getting nothing but brick walls and the runaround I would like to get a new card I'd like to social security office to have the money rerouted back to them because someone in another state on one of those websites that I was talking about victims of Direct Express in XXXX  services they did that very thing but I took a card of the same thing to the local office where I live in XXXX South Carolina and the worker at the windows and they didn't do it so I know it can not be different from one state to another it's also security I need help and this pandemic has not helped at all and I've been trying for 5 months now to get my money back and that's almost {$1000.00} thank you so much.
Product: Debt collection

I received a communication from the Law Office of Steven A. Booska dated on XX/XX/2022. I replied to their communication that this debt is not mine and is as a result of Identity Theft. I thereafter, receive a second communication from this office dated XX/XX/2022 stating that they " have validated '' the account via a copy of records from their client- which they enclosed. After reviewing the enclosed information, I have never done business with XXXX XXXX or any doctor in XXXX XXXX, XXXX which is more than XXXX miles away from my place of residence. This account does not belong to me.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging 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: Credit reporting or other personal consumer reports

The listed accounts and inquiries on my FTC report do not belong to me and I have not done business with them. Please see the attached FTC report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I'm very disappointed to find that these unauthorized accounts still adversely affects my creditworthiness. It's crucial to understand the significant impact this has on my financial standing. Despite multiple attempts to rectify this issue by submitting letters to remove the following accounts, TransUnion continues to report it, which is deeply concerning. 
XXXX and XXXX have already recognized the error and removed these accounts from their records. I urge Transunion credit bureau to follow suit promptly. Immediate action is imperative to delete these fraudulent accounts resulting from identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX