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

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 lagged posting of charges and credits. This issue align 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 card or prepaid card

XX/XX/21 I phoned Bank of America to investigate balance transfers after receiving an email from BOA that I was eligible. The representative offered to request a credit line increase. Somehow the credit line increase was morphed into an unauthorized balance transfer request that was approved by BOA and sent to a XXXX account that does not belong to me for @ {$7500.00}. BOA sent the money to XXXX account # XXXX. XXXX verified that this account does not belong to me and would have done the same if BOA contacted them. No one at any of the BOA branches or in the fraud department was willing to call XXXX. 

I reported the transaction as unauthorized and erroneous. BOA conducted some level of research but did not find their error. I requested multiple fraud investigations that did not find the error. BOA had wait times of 45 minutes or more each time I called and I had to call @ 8-15 times. Any time there needed to be a transfer I was often sent to a wrong department due to a horrendous phone system.
Product: Credit reporting

The XXXX credit card was offered to me and I said no I just want the XXXX card. I was sent the XXXX card instead even though I was assured that I was getting simply the XXXX card. After using the card for a couple months, I purchased some text books at XXXX University's Bookstore. The charge never appeared on my statement for 2 months and I received XX/XX/2012 and XX/XX/2012 statements with zero balances. Then, on XX/XX/2012 statement XXXX charged me a late fee and finance charges for the purchase made back in XX/XX/2012. I told them I had XXXX statements XXXX with a XXXX balance and they said sorry. I was so upset I paid off the charges and closed my account. I initiated a dispute with www.annualcreditreport.com for these incorrect penalties and how it negatively impacted my credit reports and significantly lowered my credit scores but they have not finalized a response. They sent me a email stating they were investigating the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have reached out on multiple occasions about Experian violating my consumer rights. They are in violation of 15 USC 1681. Experian is using stall tactics that are unacceptable. Requesting addition information that is not needed to identify my identity.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may n treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Checking or savings account

Received a text from XXXX that reads as follows : " BOfA : Dear customer, your online account has been compromised, useXXXX XXXX XXXXXXXX to secure access '' Have little doubt it's a scam as I don't even have a Bank of America account .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notarized document and a copy of my social security card and ID both which are federal and state identification to Equifax and received a response stating I didn't provide ID or my address. With the notary itself, I was required to have ID just to get it signed and stamped at my bank. I believe this is a stall to delay them from reviewing my request. I am sure I am not the only one this has happened to before.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against EXPERIAN due to a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Recently I discovered that the XXXX XXXX Account Number : XXXX, which was previously deleted from my credit report, has been reinserted without proper certification of accuracy or notification to me, as required by law. 
Under FCRA Section 611 ( a ) ( 5 ) ( B ), the following requirements must be met when reinserting deleted information into a consumers credit file : 1. Certification of Accuracy : The consumer reporting agency may not reinsert deleted information unless the furnisher of the information certifies that the information is complete and accurate. I have not been provided with any evidence that such certification was received.

2. Written Notice to the Consumer : The consumer reporting agency must notify the consumer within 5 business days of the reinsertion. I have not received any written notification from EXPERIAN regarding the reinsertion of this account.

3. Disclosure of Furnisher Details : The agency must provide the name, address, and contact information of the furnisher, as well as notify me of my right to add a statement disputing the information. This information has not been provided to me.

This reinsertion has caused significant harm to my credit profile and violates my rights as outlined by federal law. 
The reinsertion of this account into my credit file without meeting the requirements of the FCRA constitutes a violation of my rights. I respectfully request the CFPBs assistance to ensure EXPERIAN resolves this issue promptly and complies with all applicable laws. I KINDLY REQUEST THAT EXPERIAN REFRAIN FROM SENDING ME GENERIC OR AUTOMATED RESPONSES. I AM ACTING SOLELY ON MY OWN BEHALF IN THIS MATTER, AND AM NOT USING THE SERVICES OF ANY CREDIT REPAIR ORGANIZATION OR THIRD PARTY TO HANDLE THIS DISPUTE. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I have to refile this complaint to EXPERIAN because they are not taking actions even how hard I tried to communicate with them about the unauthorized inquiries and fraudulent accounts on my credit document that are genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information the accounts. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX, and I go by XXXX XXXX XXXX XXXX 
My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX and XXXX. As a consumer, I have the right for request or potentially constrain you to eliminate them when conceivable inside my government and state consumer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX  the servicer of my loan and they stated they have been updating my account information to XXXX, XXXX  and TransUnion. 

The credit bureaus have not updated my account since XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 44.3K have caused significant inconvenience and financial loss, and I seek appropriate redres. * ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate 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: Debt collection

The is a debt collection company by the name of PARAMOUNT RECOVERY SYSTEMS who parked debt on my consumer report without ever contacting or notifying me. I, XXXX XXXX do not know where this debt came from. This company is neither licensed to collect in the state of XXXX and in the state of XXXX. They have violated my rights because I was never given the opportunity to dispute the debt, I did not receive any disclosures, and they are damaging my reputation. This company is also violating the FCRA and FDCPA by reporting two of the same account on my consumer reports. This is deceptive and abusive behavior.
Product: Credit card

On XX/XX/XXXX, I purchased a service for a game called XXXX. The amount was {$1900.00}. After a couple of days the service was taken away from me and was basically scammed out of my money. I submitted a claim with Bank of America and right now they apparently closed my account for no reason and they are still resolving my claims. This one just came back to me as saying resolved and them making me pay this amount for a purchase I dont even have. They are not helping me with my issues anymore over these XXXX  months they have been basically treating me wrong and they wont help me what so ever. I can show proof that the service was taken and that I dont even have it. I argued with the seller for hours and he took it back because the websites warranty ended so he took it knowing that I would be helpless on the website. He tried to tell me he was not in XXXX but that he was in XXXX. I really need help they closed down my debit so in no way can I pay a wrongful {$1900.00} when I dont even have the service and dont even have a debit card just a credit. They have helped with this same issue in the pass from the same company who took advantage of me them being eldorado.gg. I just dont get why they just dont want to help me now.
Product: Credit card or prepaid card

I currently have a XXXX XXXX credit card serviced through Comenity Bank. I was charged a late fee due to their website being unavailable and they refuse to remove it. Over the past 3 months, they have had technical problems with their website. When I attempt to pay my account through their website I receive a message that states : " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' Usually, this message only lasts a few hours and I can get into my account and make the payment. This month I received this message from XXXX XXXX XXXX XXXX. I attempted to call the bank on the XXXX and received a message that their offices were closed. I was able to get into the website at XXXX on the XXXX to make the payment but at that point, it was past their XXXX deadline and I received a late payment. I tried to call them on the XXXX and received the message that their office was closed and that I would have to try again later. I attempted to call on the XXXX and spoke to a representative who shared that my account had been closed and he could not give me any more information. I received an email from the company informing me that I had received a late payment fee. When I attempted to call them they said that my account had been closed in 2020 and that they no longer serviced my account, so they would be unable to waive the late fee. When I asked why I was receiving bills from them if they no longer carried my account the representative stated that it was because I had a balance. I explained that I was unable to get on to my account because of a technical glitch and even attempted to log on while on the phone with the representative and was unable due to the same message. She told me that there was nothing that she could do because their website " looked fine to her ''. I offered to share my screen with her to show that I was unable to get in and she said that it was not necessary and that if I wanted to make a payment she would gladly do it for a {$9.00} fee.
Product: Credit reporting

Transunion, XXXX are reporting false information ; and when I questioned their investigation that immediately sided with the creditor I was told that the creditor is their customer, and under contract. Therefore, they must take the side of the creditor which is in violation of the fair credit reporting act,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be remove from my credit. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft WELLS FARGO DEALER XXXX Account Number : XXXX This is not mine.
Product: Debt collection

Bills from XXXX XXXX of XXXX that I discovered in my credit report and referred for collection to American Adjustment Bureau. XXXX referred me to AAB, AAB has not responded with verification of amount and veracity of charges.
Product: Bank account or service

BBT BANK IS REFUSING TO REFUND {$36.00} OVERDRAFT FEE BACK INTO OUR ACCOUNT WHEN THE MONEY WAS THEIR. TRANSFER FROM SAVINGS TO CHECKING OF {$200.00} WAS PUT ON PENDING WAS MADE ON XXXX/XXXX/16. MONEY WAS NOT RELEASED FROM SAVINGS TO CHECKING UNTIL XXXX/XXXX/16 WHICH THE BANK CHARGED ME AN OVERDRAFT OF {$36.00}. I CALLED THE BANK AND TOLD THEM ABOUT THE ERROR AND THEY FLATLY REFUSED TO MAKE CORRECTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX two months ago to request that my credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy that was filed XX/XX/XXXX. The XXXX XXXX account on report was corrected about a month ago but this month the account is again showing charge off collection/skip status, which is violation of chapter XXXX bankruptcy stay of creditors. 

Although again attempting to resolve this issue, XXXX advised me to once again dispute with Equifax ( copy of email attached ). I have disputed online previously with no success -- only XXXX was able to update report couple months ago. This same issue has occurred with two other creditors as well and ONLY with Equifax, not the other credit reporting agencies. Equifax continues to change accounts that have been included in my ACTIVE bankruptcy for nearly five years to charge off/collection status, which has been VERY INFURIATING. If my Equifax report continues to show unlawful information for accounts included in my bankruptcy case, I will be filing a lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy automatic stay statutes. Enough is enough!!
Product: Student loan

My personal and financial information was compromised without my authorization. The Family Educational Rights Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERP and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

two FRAUD ACCOUNTS listed on my credit report ( XXXX - XXXX ) of which was removed and previously included in the FTC Fraud Report # XXXX ) and a Police Report provided to credit bureaus. It appears since the account is back on my credit report that the credit bureau through some means validated a fraudulent account. 

" I was told that I should have known about the account. '' An agent at Experian laughed at me and said " people have been abusing fraud complaints '' and did not take my complaint serious. I have submitted the items multiple times.
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. Equifax and XXXX 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The Optum Bank Healthcare Reimbursement Account system, https : //www.optumbank.com/, randomly but frequently generates a XXXX XXXX XXXX ( XXXX  ) resolution error while customers are entering reimbursement request data. This problem started around XX/XX/2023. It is impacting many and perhaps all end users of the Optum Bank system. ( I am the administrator of a XXXX XXXX in which over XXXX XXXX retirees who are locked into the Optum Bank XXXX system share information about Optum and XXXX so I know that the problem affects most and probably all users. ) This error makes it tedious and cumbersome to enter reimbursement requests. The system is awkward to use under the best of conditions, but due to this programming error, users must often reenter reimbursement requests. 

I have reported this problem to Optum Bank I/T manager XXXX XXXX XXXX XXXX, in XX/XX/. He promised to follow up but the problem still exists. I called XXXX XXXX several times in XX/XX/XXXX  to attempt to follow up with him, but he has not answered his phone or returned my voicemail messages. 

I have also left messages for the CEO of Optum Bank, XXXX XXXX, XXXX, about this problem. He has not returned my calls and none of his aides have returned my calls. 

I am a retired XXXX software developer, internet engineer and technology expert with over 40 years experience. The XXXX  error clearly indicates that there is a programming error or resource ( memory or CPU sufficiency ) problem in the Optum Bank system. A competent person at Optum Bank should be able to pinpoint the cause of the problem in under and hour and fix it promptly. It is clear that Optum Bank has pushed this problem to the wayside instead of properly addressing it. 

Furthermore, not only is this problem annoying to users, but it also introduces sign on authentication risks ( security problems ) that are too complex to explain in this complaint. I will explain the security issues if a competent Optum Bank representative contacts me. Please note that I must be able to understand the rep, so he/she must speak and understand US English.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a claim through CFPB last month and the company responded that the disputed information is not being reported on my credit and it is in fact sill being reported on my credit. 
PHOENIX FINANCIAL SE is reporting a debt owed to the Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX that has already been deleted from my credit file previously. The statement attached shows that I have a {$0.00} balance with the original creditor it is against regulations for the credit reporting agency to allow anyone to try to collect on a debt that does not exist.. 


Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XX/XX/XXXX- As my son approaches high school graduation, we start the financial aid process by filling out the XXXX XXXX XXXX , which seemed like the right thing to do. As it turned out more information was required, so both my son and I met with a young lady at VSAC who helped us through this process. At this time, nothing was mentioned by her about my son applying for a federal loan. ( as it would be more appropriate for him and that the payments would be income based and that the allowable deferment would give him time to find employment. ) XX/XX/XXXX- A snag with the loan. I am on the phone with VSAC to find out what the problem is ( as it turns out the school needed to submit required information ). All during this conversation, the VSAC representative never mentioned about us applying for federal loans. 
XX/XX/XXXX- My son is seeking financial aid to take summer classes. He is told that the application was cancelled because this was the time that VSAC adjusts their rates. Per my son, it was never suggested to him that he seek out applying for federal loans. 
XX/XX/XXXX approx. ) XX/XX/XXXX- I as the co-signer to my sons loans called VSAC, spoke with a woman in the loan department. She told me that his balance at the time was XXXX and his monthly payments were XXXX. At this time, I asked her, but this is income based correct? No its not, you are thinking of a Federal Loan. You should always go with a federal loan first. This was the first time in two years that we have ever received any suggestion about applying for a federal loan. But still, even after that, there was no guidance on how to pursue this or direction to the appropriate person to assist us with this.
Well two years and XXXX later, I discovered from a random phone call that I made, that we should have applied for federal loans from the beginning and thats with working right alongside of XXXX  XXXX XXXX XXXX. How could you let this happen? While you are in his account, looking at his balance that is accruing XXXX a day in interest, did it not occur to you to look for and offer alternative suggestions for financing? 
As a single parent getting their child ready for college I relied on you and you neglected your role. I have lost all confidence in your organization and what I have been led to believe your mission is.