23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In trying to resolve another incident, whereby Navy Federal Credit Union told me they would make a soft inquiry on my credit report and then instead made a hard inquiry, Navy Federal Credit Union emailed me a copy of XXXX XXXX XXXX 's XXXX card number. 

The unauthorized use of my credit report is captured in CFPB incident : XXXX. 

I 'm creating this incident to reflect that XXXX sent me someone else 's credit card information.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

Wheels Financial Group, LLC DBA Loan Mart as a servicer and XXXX XXXX XXXX as a lender are not registered in the state of Florida with Florida Office of Financial Regulation. 

XX/XX/XXXX Signed Installment Loan and Security Agreement for {$2400.00} ; Loan Given {$2300.00} APR 178.51 % Florida law allows a title lender to charge you interest on your loan of up of 30 % per year for the first {$2000.00} you borrow ; 24 % a year for any additional money you borrow between {$2000.00} and {$3000.00} ; and 18 % a year on any money you borrow over {$3000.00}. 
XX/XX/XXXX XXXX XXXX Payment of {$1000.00} and {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Payment of {$170.00} XX/XX/XXXX Debit Card Payment of {$200.00} XX/XX/XXXX Debit Card Payment of {$760.00} XX/XX/XXXX Loan Mart Repossessed XXXX XXXX XXXX XX/XX/XXXX Pay Off Balance {$4500.00} XX/XX/XXXX I received a email of current balance {$3800.00} and settlement of {$500.00} XX/XX/XXXX Florida Office of Financial Regulations confirmed Loan Mart as a servicer and XXXX XXXX XXXX  are not registered in the state of Florida as a Financial Institution nor a Title Loan Company Florida Statute XXXX License required; license fees- ( 1 ) A person may not act as a title loan lender or own or operate a title loan office unless such person has an active title loan lender license issued by the office under this act. A title loan lender may not own or operate more than one title loan office unless the lender obtains a separate title loan lender license for each title loan office. 

( 7 ) Each licensee shall designate and maintain a registered agent in this state for service of process. 

Florida Statute 537.013 Prohibited acts.- ( 1 ) A title loan lender, or any agent or employee of a title loan lender, shall not : ( d ) Make any agreement requiring or allowing for the personal liability of a borrower or the waiver of any of the provisions of this act. 
( f ) Fail to exercise reasonable care, as defined by commission rule, in the safekeeping of loan property or of titled personal property repossessed pursuant to this act. 
( h ) Sell or otherwise charge for any type of insurance in connection with a title loan agreement. 
( i ) Charge or receive any finance charge, interest, or fees which are not authorized pursuant to this act. 
( j ) Act as a title loan lender without an active license issued under this act.
Product: Prepaid card

My situation dates back to XX/XX/year>. I am now at 72 days since they defrauded me out of {$800.00} in XXXX cards. Every time I have called them in the last 10 weeks after being transferred and hung up on multiple times I am told that my Case Number was closed and they issue another one. The staff consistently act shocked that it was closed and can not provide why it was closed and/or how it was resolved. I am then told within 1-2 business days Ill be contacted but a supervisor which has never once occurred. So I call again and cycle repeats itself. Currently on case number 3 and counting. I am frustrated to say the least and have expressed to Vanilla XXXX on multiple occasions that these cards were purchased specifically to pay my local utility bills and we have been in a bad position wit the power company unable to pay. 

I have attached photos below to show just some of the communications. I even went to the extent of advising them I have no money to see if they would care but it made no difference to them.
Product: Credit reporting or other personal consumer reports

I begin getting phone calls, letters from these creditors. I provided my correct nformation to XXXX, XXXX and Tranunion along with my identification, the police report, corrected social security number and contact information. There was no investigation done. The information I gave to them verifying that the accounts were not mine, they updated my account with the correct information and passed it to the creditors that I was disputing. Hence, the demand for payment calls, a bounty hunter who threatened to come to my job if I didn't pay, letters and emails are now coming. Collection agencies are harassing for these accounts as well. 
I spoke with representatives from Transunion, XXXX and XXXX. Had them take names of unknown people off of my report as well as my ex husband, correct the misspellings, incorrect social security number and addresses, etc. 

The fraudulent accounts were apparently opened during 2020. 

I had to put a freeze on the Transunion, XXXX and XXXX. I was going to pay just to be done with it. It's not fair. I was advised by legal team to reach out to your department prior to me hiring them.
Product: Credit reporting or other personal consumer reports

XXXX is currently reporting negative information as a violation to federal laws. The XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia stated that they did not provide information to Experian and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, EXPERIAN ALL THREE CREDIT REPORTS SHOW 17 CREDIT INQUIRIES THAT I AM SUBMITTING A DISPUTE.

I did not authorize my credit to be pulled due to the recent two national data breach ( s ). I am very concerned about these inquiries being placed on my credit report ( s ).

I am requesting all 17 be removed within the 24 hours by law. I have already placed online fraud alerts with all three reporting credit bureaus. 


Sincerely, XXXX XXXX
Product: Student loan

The only 'supportive ' options Navient has offered when one struggles with student loan repayment are options that if you select them, your student loan amount increases and increases. When in coversation with customer agents they offer forebearance as one of the only options ( over and over and over and over again ) but each time you select forebearance your loan increases exponentially so that if you were having trouble paying before, you now REALLY can't afford your payments. When you point this out to the customer service agent they are silent and go right back to the options available. " I can start you on forebearance today and that will bring you current ... '' The problem with student loan interest and management is that the debt increases exponentially due to extremely high interest rates but your income does not increase exponentially at a rate that ever makes the loan payment affordable. So you are in an endless cycle of coming 'from behind " while you sit back and watch the student loan debt amount get bigger and bigger and bigger. It is like being an indentured servant. The demoralization of this trap really can make one feel hopeless and want to give up... then, you live your whole life with a gray cloud over your head.
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. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4400.00} XXXX XXXX  XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$2700.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$540.00} XXXX XXXX  XXXX XXXX Balance : {$3000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my XXXX consumer report because the negative items listed have been updated due to the CFPB Breach. This violates 15 US Code 1681aia. / 15 US Code 1666b Dispute 1 : LATE PAYMENTS Account Number XXXX : XXXX XXXX Type of disputed information : CREDIT ACCOUNT Dates associated with the late payment items being disputed : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The status of my account is incorrect. The report shows that I am delinquent but I have made all my payments on time. Please update my consumer credit report to reflect the changes, and mail me an updated copy reflecting the deleted late payments and updated credit score. I have requested a payment ledger and have not received it. Thank you for your assistance.
Product: Credit card or prepaid card

Hold an Amex XXXX card with # XXXX, an unauthorized charge of {$160.00} was made by Amex XXXX on XX/XX/2022. Disputed it and Amex sent email on XX/XX/XXXX stating the dispute was resolved and {$160.00} will be credited back to my account within one billing circle. 
Never received it, and Amex online representative provides no useful resolution.
Product: Credit card or prepaid card

There was a fraud transaction on my Chase XXXX XXXX card ending in XXXX. 
Here 're the details provided by Chase fraud department agent : Merchant XXXX XXXX XXXX Amount : {$410.00} Transaction Date and Time : XX/XX/XXXX XXXXXXXX XXXX EST Method : Phone Merchant Category : XXXX XXXX XXXX  Merchant Phone : XXXX Merchant State : CA On XX/XX/XXXX XXXX, I immediately called Chase XXXX department to report this fraud transaction and change my card number. By XX/XX/XXXX, I received my new card with new number, but Chase is still investigating into the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

thd ftc or fair debt violation transunion is reporting the inaccuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX, State : XXXX XXXX Texas Prior Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) XXXX $ owed are no longer outstanding for the following items : XXXX XXXX XXXX. 
I am disputing this claim due to : Equifax XXXX XXXX I have sent a police report to support this letter. Please delete this account its reporting inaccurate R ( repossession ) activity years after account has been closed. Delete for inaccuracy. Also, the dates that this account was opened is inaccurate as listed below. This report is hurting me and family emotionally and financially. A copy has been sent to the Fair consumer agency ACT. Law requires any inaccurate information to be removed. It is also informed that the collector has sold the vehicle to an auction no formal letter was ever given to me concluding inaccurate balance. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Name must match Credit file as stated here XXXX XXXX XXXX XXXX. Validation is needed accuracy of this account must be sent to my address XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX Texas XXXX. 

Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$10000.00} {$10000.00} {$10000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$20000.00} {$20000.00} {$20000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$10000.00} {$10000.00} {$10000.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Repossession Unpaid balance reported as a loss by credit grantor. 
Merchandise was taken back by credit grantor/there may be a balance due. 
Involuntary Repossession Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX i was charged off an existing account with Wells Fargo Bank in XXXX OR for {>= $1,000,000} US i was left insolvent. It was made a case number created in XXXX of XXXX. I was directed by my law firm XXXX XXXX to the US treasury in Washington DC. I was directed to Sam.Gov and help it in the proceedings details.I held it as a Fixed Asset It was changed to a US Federal Grant Assistance Admin Art.III.S2.C1.6.6.2 Associational Standing Federal Consumer Credit Protection Act I used Proceedings Details as a service of proceedings. I filed an article 246 in the XXXX constitution in reasonable time to the void date. To intercept the authority of parliament. And grant it back to the states in the organization needed to finish. Sam. Gov directed me to negotiate with the bank. That same day i received some checks in thew mail. From a Wells Fargo NA in XXXX XXXX. By that time it was clear to me What Wells Fargo needed. everything I spoke to with the Gentlemen that day. I have accomplished. I have reduced the burden of proof and the burden of assets to the value of the {>= $1,000,000} US in the charge off from insolvency. Filed the XXXX to XXXX in the XXXX. 15 USC subchapter V 1692k 1692l registered agent was brought in as an Attorney in Fact for my franchise supplemental ands supplanted was filed in the Article 246 close LLC was opened in Wyoming. It is illegal to add a date to a mortgage deed. The XXXX XXXX XXXX  had to be done that way in Sam.Gov with me 34.1-2A-404a Equal Access To Justice Act Sam. Gov made it a US federal grant assistance admin. I linked the account number with the Wells Fargo NA. I filed the XXXX financing statement with the four corners rule that it appears to be right on it's face. XXXX the addendum and XXXX 3 assignment to Q-56, Q-57 and Q-58 the four corners was made in a timely frame 2 CFR 200 FFATA as amended by section 6202 ( a ) supplemental funds section 5367 and I am acting as a financial provider 1026.15 ( f ) ( 1 ) ( 2 ) 28 USC 1333 ( 1 ) ( 2 ) for the franchise dispute resolution in a XXXX reject remedy standard for XXXX was sent in route Friday XX/XX/XXXX Am requesting that the Notary and information be correct for the US Federal Grant Assistance Admin for Wells Fargo Bank I have to give a Notary Public i had to build the trust and the mortgage to correct my situation. Please allow my identity here to be what the bank has. I talked to them here at CFPB yesterday of the day before and my information wasnt correct in the CFPB my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not investigating dispute that I made three times since XXXX of this year. I even sent them in paper a mail with all the profs showing the mistake. They keep saying they modify my account and they not doing nothing. I called, email and mail them several times and nobody seems to care. My score in between had been harm with a over 100 points loss with this. Please help me.
Product: Money transfer, virtual currency, or money service

Paypal XXXX reference number : XXXX Paypal XXXX to block my business without any reason. I use paypal to receive and send money to my suppliers simply. 

I am a customer since 2029 and yesterday they blocked my account and my money. 

Paypal XXXX reference number : XXXX Here is their message : You can no longer use PayPal. 

After studying your account, we have decided to restrict it permanently, as it presents potential risks. 

Therefore, we can no longer offer you PayPal services. 

No card or bank account registered on your PayPal account can be deleted or registered on another account. You can still log in and view your account information, but you can not send or receive money. 

If you have money in your PayPal balance, we will suspend it for up to 180 days. After that time, we'll send you an email telling you how to access your money.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to report an unauthorized loan application dated XX/XX/scrub> 2025, which I did not submit. It appears that someone has fraudulently used my personal information, including an old checking account I previously held with XXXX acct. And my former XXXX email address ( XXXX ). 

I want to make it clear that : I did not authorize this application, nor have I had any recent dealings with your organization. 
I no longer have access to the XXXX account referenced, as it has been closed for some time.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I got a loan from one main fiancial for XXXX. I had been current on this loan till XX/XX/XXXX were my wife took ill and I had too take over all our bills. The balance was just over {$1900.00} when I stopped paying the bill. One main financial had stopped contacting me about the loan. Until late XX/XX/XXXX, to where I was informed by XXXX XXXX XXXX, a collections agency that they are representing one main financial and that they were attempting to collect over 3300.00 dollars on behalf of one main financial. They had got a court date and was pursuing too attempt to collect this amount. I contacted a lawyer that specialized in these situations. He told me I didnt have to go too court that he would handle it, which I wasnt able to attend anyway because of work. I assumed he would fight for the previous amount mentioned and that I owed. He said they wouldnt move from that price so we agreed that if I made a payment bye XX/XX/XXXX the judgement order wouldnt be enforced long as I stayed concurrent. Ive been current on such loan. On XX/XX/XXXX they one main financial reported to the credit bureau that I was late on loan. If this would have been discussed in renegotiating the loan ( meaning that they would still be reporting me as late to credit bureaus ) I would not have agreed to any terms with one main financial are there lawyers XXXX XXXX XXXX. They are deceiving the consumer allowing them to think that the loan has been put back in gud standings and it would be that way as long as youre current on said loan.
Product: Credit card or prepaid card

On XX/XX/23 I attempted through automatic withdrawal through my bank to pay the balance due on my Costco Citibank credit card. In error, instead of entering {$110.00}, I entered {$10000.00}. Once entered, I saw my error and attempted to correct it by hitting ESC. It appeared to have worked. I then reentered the balance due payment as {$110.00}, the correct amount. 
On XX/XX/23 I attempted to withdraw {$100.00} from my XXXX XXXX XXXX ATM but could not. When I inquired at the bank, I was told my account was overdrawn. Citibank had received both the correct balance due of {$110.00} and the erroneous {$10000.00}. My bank, XXXX XXXX XXXX reversed the incorrect transaction due to insufficient funds in my account. At that point my balance due on the Costco Citibank Visa was XXXX. 
On XX/XX/23 though I owed them nothing, Citibank resubmitted the incorrect transaction, which was honored due to my XXXX XXXX and other deposits having been received. This payment to Citibank left me with {$5.00} in. my account. When contacted, Citibank at first said they would issue a credit to my credit account. When I objected they said a check would be issued but would take XXXX business days. I was penniless and had to borrow from friends to buy food and pay bills. XXXX XXXX XXXX issued overdraft charges each time an automatic withdrawal came in. 
On XX/XX/23 I received a check from XXXX for {$9700.00} backdated to XX/XX/23 Citibank had deducted {$240.00} to cover charges made after the statement date and not yet due. I am a XXXX XXXX living on XXXX XXXX and a small pension. I was penniless. I had no money to pay any bills or even buy food while Citibank held my money not owed to them to earn interest for its bottom line.