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

I am filing this complaint to dispute several fraudulent accounts and collections appearing on my credit reports with TransUnion, XXXX, and XXXX. The accounts in question include a XXXX XXXX  account ( {$790.00}, reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These accounts were not opened or authorized by me, and I believe I am a victim of identity theft. I have already submitted dispute letters to the credit bureaus requesting an investigation and removal of these items. I am seeking the CFPBs assistance to ensure these fraudulent accounts are removed from my credit reports promptly, as they are negatively impacting my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( No Account Number Displayed on Report ) XXXX XXXX ( No Account Number Displayed on Report ) violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identify theft and I have reported the problem with local police, FTC AND CFPB I did notice some incorrect addresses and employer information that needs to be removed as soon as possible because it is incorrect. I have reached out to the companies already and got no help I have attached my XXXX driver licenses which has my correct address. The employer information is incorrect as well and needs to be removed I am monitoring my credit daily sense my ex boyfriend use my information to obtain fraud accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit filed has been hacked XXXX  I have already faxed over XXXX  documents proving my identity on XX/XX/2023 and my account has been hacked XXXX  hours later which is today XX/XX/2023 for XXXX  hours at the XXXX was fixed Experian make it very difficult to access your account. They also allow anyone to go into your account and change your contact information and to intercept all communication I can not complete a forgot password because this person changed my email address, and my password and is very impossible to speak to customer service and very impossible to recover my account. Im afraid I may be a victim of identity tax fraud/possibly a duplicate tax return maybe file one for me and one from the fraudster with me and my children, Social Security numbers XXXX and also credit cards and make accounts open in my name. One account was already open my XXXX XXXX  XXXX and I had to have it flagged for fraud and XXXX down, and XXXX as well. Experian make it very easy for your account to be hacked. Do not create a membership with Experian. I have no issue with XXXX fax or XXXX XXXX a matter how hard or difficult can you create a password on your account or email address they make it very easy for hackers to hack you Experian credit report and lock you out and you are treated like a suspect with Experian. They will not shut down the fraud account until you are verified by mail or fax and until they actually get to your paperwork by mail or fax proving your identity this person has already committed at least XXXX  days or more worth of fraud on your account. This is the XXXX  time Ive been hacked. I had to pull my identity once again XXXX hours later via fax I faxed over XXXX  dock and his crew room. I didnt eat XXXX  hours ago. I feel like this will be a repeat a psycho. This person keeps hacking my file this is gon na be ongoing problem with Experian-faxing over documents, keep getting locked out, contact information changed, calling customer service every XXXX  hours to recover my account, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2018 i got a business card for a company I worked at. Three days after I received it another employee stole the card I immediately reported it to Amer Express and had the account closed. The ex employee used it to purchase some wireless communication equipment. Needless to say, the employee took a personal check back and paid for it. His check bounced. I didnt have a card with Amer Express. So Amer Express opened an account for me without my approval then transfer the {$3500.00} to me. I called Amer Express and advised I didnt want a card. That didnt matter to AE. They issued me a card anyhow. I have tried to explain this for about a year. Opened a dispute with XXXX. Then AE made it a charge off. I will have that on my credit report for 7 years. This is why I believe I should have to pay this. The total owed is {$3500.00}. I did report this to the Attorny GeneralOffice.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Balance : {$17000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

INQUIRY : EXPERIAN : XXXX XXXX XXXX on XX/XX/year> These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Money transfer, virtual currency, or money service

I am Filling 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPON REVIEWING MY CREDIT REPORT I HAVE NOTICED INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THESE INQUIRIES DO NOT BELONG TO ME. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 ).
Product: Credit card

I have XXXX inquiries from XXXX i did not authorize and XXXX inquiries i also have the Wells Fargo account on my XXXX report that Fraudulent.
Product: Credit card

To Whom It May Concern, I am writing to formally file a complaint against Navy Federal Credit Union ( NFCU ) regarding their predatory and unfair banking practices, specifically the unauthorized withdrawal of funds from my account to cover high-interest credit debt while failing to provide any financial assistance or meaningful relief during a documented financial hardship. 

Despite making on-time payments for years, I have encountered severe financial distress and reached out to NFCU multiple times for assistance. I have spoken with at least XXXX different representatives, all of whom failed to offer any viable options, such as interest rate reductions, forbearance, or hardship programs. Instead of working with me to establish an affordable repayment plan, NFCU has unilaterally depleted my account, leaving me with only $ XXXX amount insufficient to cover food, rent, and other essential living expenses. 

Violations of Consumer Protections & Unfair Banking Practices Navy Federal Credit Unions actions may constitute violations under federal consumer protection laws, including but not limited to : The Consumer Financial Protection Act ( CFPA ) [ XXXX XXXX. XXXX, et seq. ] NFCU 's refusal to offer financial hardship assistance, coupled with their unilateral withdrawal of funds without regard for my essential living needs, constitutes unfair, deceptive, and abusive acts or practices ( UDAAP ) as defined under the CFPA. 

The Fair Credit Billing Act ( FCBA ) [ XXXX XXXX. XXXX ] NFCU has failed to properly investigate and respond to disputes regarding unfair fees and interest rate policies, disregarding my repeated attempts to seek relief. 

The Electronic Funds Transfer Act ( EFTA ) [ XXXX XXXX. XXXX ] The banks aggressive withdrawal of funds without explicit consent to prioritize credit repayment over essential expenses raises concerns under EFTA protections.

The Service members Civil Relief Act ( SCRA ) [ XXXX XXXX. XXXX ] If applicable, NFCU may also be in violation of interest rate reduction provisions for military-affiliated members, demonstrating a broader pattern of non-compliance with financial hardship relief obligations. 

Data Breach Concerns & Heightened Risk for Victims Additionally, Navy Federal Credit Union has been affected by multiple data breaches in recent years, potentially compromising member security and financial well-being. 

If my personal data was among those compromised, NFCUs lack of hardship assistance further exacerbates the financial strain imposed on affected customers. Under the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ], data breach victims should be afforded greater financial protections, including waived fees, reduced interest rates, and extended repayment optionsnone of which NFCU has offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

My DMV report showing me not at fault for the three car accidents I was in but the reports the insurance company pulls saying that I was at fault. I wasnt even in my vehicle for two of them. I was in a work vehicle when I was hit by another car. I provided police reports with the DMV to have this information corrected but It still shows on the insurance end that I was at fault but on my DMV transcript I order shows that Im not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to TransUnion, XXXX and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person. 

Attached is my original copy of my dispute with them! 
Please attached files.
Product: Money transfer, virtual currency, or money service

I posted an item on XXXX XXXX and I was contacted by a user named XXXX XXXX saying she wanted to purchase the item for the posted price of {$850.00}. 
She asked me about the item and for my address and my XXXX email information. I provided the information and she sent me a screenshot confirming the payment of {$850.00}. A few minutes after I got an email from " XXXX App '' ( XXXX ) saying my account was limited and I needed to expand my account by asking the buyer to send me additional payments. I showed it to the buyer and she said she would call XXXX to confirm. After a few minutes, she said she would send me an additional {$250.00} and I needed to send it back to her. She showed the screenshot of the payment and I sent the money to the XXXX account provided XXXX XXXX After that they said XXXX took an additional {$400.00} from their account and I got another fraudulent email saying the payment of {$400.00} was needed to continue the transaction but the buyer and the seller were protected because the funds were being confirmed with XXXX. 
I reported the scam to Chase WHILE the second payment was still pending but they said they couldn't cancel it even after I said the payment was still pending. They didn't cancel it and just filed a claim saying they could not guarantee the refund of my money and I should contact XXXX even tho I did the transaction through the Chase site. 
I filed a complaint with XXXX too but they just brushed it off saying they don't offer transaction protection and basically saying I was responsible for making the transaction. 
I want my money refunded, all {$650.00} of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was notified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of these inquiries. Transunion was submitted the dispute and the police report, i also called them on 4 occasions to notify them. They have refused to remove these fraudulent inquiries. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XXXX, i sent transunion, XXXX, and XXXX more letters requesting the inaccurate information they are reporting on my credit report that is in violation of 15 usc 1681e ( b ) and needs to be deleted and i will attach a copy of my credit reports outlines the inaccurate information reporting. 

see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

Alpine Credit {$180.00} PAID YEARS AGO THRU  XXXX .       XXXX   XXXX   {$310.00} PAID YEARS AGO THRU  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX XXXX  Has violated my rights. 
Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX has Violated my rights 15 U.S.C 1681 Section 602 A States I have a 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 items of information other then records of convictions of crimes which antedate the report by more the seven years.

15 U.S.C 1681s-2 A 1 A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

This is a response to XXXX. Still working on it? They should have taken care of this three weeks ago. Once I notified them that they did not process my bonus on XX/XX/XXXX that they said they would pay me when I opened the account in XXXX, they should have simply processed the bonus. How long should that take? Additional punitive damages should be assessed.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX ) XXXX  Balance : {$3400.00} ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX  score. 
Below are the details of the accounts in question : CBC/XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CBC/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Dear Regional Acceptance I, the consumer and natural person, was denied credit by Regional Acceptance when I applied for a Auto Loan. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Regional Acceptance due to the response I received. Regional Acceptance is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Regional Acceptance. If Regional Acceptance fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Regional Acceptance criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). 

Thank you. 

XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Bureau has hard hit inquiries from  XXXX   XXXX  on  XXXX   XXXX  and  XXXX ,  2015 . Hard hit inquiries from the same company must be at least 30 days apart. My credit report was charged with  XXXX  inquiries due to Transunion negligence. Again, on  XXXX   XXXX  and  XXXX ,  2015  and  XXXX   XXXX ,  2015 ,  XXXX  charged My Transunion Credit Report  XXXX  hard hit inquiries within a 30 day period.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information. My name is XXXX XXXX, this is the only name I am known by and the ONLY correct spelling of my name. 

XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX These variations should be deleted immediately. 

My address is XXXX XXXX XXXX XXXX, GA XXXX there should be no other address listed on my report it is not mine and it is causing me to be denied credit and receiving my mail in a timely fashion. 

XXXX is reporting these inaccurate addresses. 

XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX I have previously disputed this information and it is still not removed from my consumer report. Neither company has my permission to damage my consumer report. My ID and SSC are attached to this dispute. I have previously sent these same documents with proof of my residency and neither company complied with federal law under the FCRA. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.