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

In accordance with the fair credit reporting act accounts XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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.
Product: Mortgage

Country place Mortgage provided documents to the CFPB and I compared them with what the title company has. Please explain to me why my husband and my signatures are all different and different check marks are checked? 

We have no idea what true what we paid for or anything for what our loan cost are.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX NATIONAL CREDIT SYSTEMS To Whom It May Concern : Notice for validation of debts. 
Pursuant 12 CFR 1006.34 This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34 Your Truly XXXX XXXX ( All Rights reserved )
Product: Debt collection

I had an email from XXXX  saying that I had an alert on my credit report on XX/XX/2020. I checked my credit report and it said Commonwealth Financial was trying to collect a debt of {$520.00} and I had a derogatory account. I have received no phone calls, emails or anything about this debt? I dont think it is mine. Im not sure how to get ahold of the company and if this is fraud or not. I dont have any debt for that amount. This is a false debt and I would like to clear this up.
Product: Checking or savings account

XXXX XXXX XXXX I called Chase customer service to initiate a claim for an unauthorized charge in the amount of {$360.00}. I was told that the credit would be added to my account within two hours of the completion of my call. XXXX has not been added to my account. I have tracked downwhat XXXX can regarding the charge from XXXX and emailed the merchant who charged my card to which she claims that they never charged my card. XXXX has not been any help to this charge initiated by them. I XXXX today. I have attached my email correspondence with her and the information that I received from XXXX. I neverplaced or received any orders for {$360.00} just as XXXX at XXXX XXXX XXXX has stated back to me via email. It makes no sense because heremail is @ hotbeautyhair but she claims that her website closedin XXXX but will check with the person regardingthem charging me on XXXX.I would like to ensurethat this claim is initiated and correctly credited back to my account and is handledwithin the appropriate guidelines in accordance with the Fair Credit Billing Act as this charge is not valid.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, a letter from advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).
Product: Debt collection

Jefferson Capital Systems LLC has themselves listed as the original creditor for 2 debts listed on my personal credit. This is false and defamatory information.

1st account {$3600.00} with no explanation and I have no clue what or where the amount came from.

2nd account {$1900.00} again with no explanation Neither of these accounts are my debt. I have never done business with Jefferson Capital Systems LLC and the report does not provide any account numbers associated with these accounts. 

Both accounts were last reported on XX/XX/2024 I have disputed these on XXXX XXXX in the past and changes get made but the debt still stays. There is a long list of disputes for these accounts on my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX, I have a total of 7 hard inquires on my credit report across the XXXX major bureaus ; Transunion, XXXX, and XXXX, and only 1 from XXXX XXXX Bank belongs to me. Transunion, XXXX, and XXXX has been reporting accounts that I have never received to my report. I have 2 hard inquires from XXXX  XXXX XXXX on XXXX from XX/XX/XXXX and another a week after on XX/XX/XXXX, if that wasn't suspicious to the banks or creditors then IDK what is. Then I have a 3rd from XXXX  XXXX XXXX on XX/XX/XXXX reporting to Transunion and again have never received any of these cards for them to be reporting on my credit. Within this span my information was used to attempt to open a XXXX XXXX XX/XX/XXXX reporting to Transunion as well as some inquiry from XXXX XXXX XXXX XX/XX/XXXX. On the same XX/XX/XXXX XXXX also reported this same account, when I request information on these accounts I receive no information, verification, or reasonings behind how or why I have 6 different inquires that do not belong to me, as well as a charged off account with fraudulent debt. I've been working for several months to resolve these issues with these reporting companies and would love help to clean this up in any way possible.
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 {$2000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$520.00}, has violated my rights. 

I looked at my TransUnion credit on XX/XX/year> and noticed some things are incomplete and not accurate. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The TransUnion, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. In accordance with the Fair Credit Reporting Act section XXXX, I am requesting the Credit Reporting Agencies to remove the fraudulent accounts and information completely from my Credit File. Below are the items that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CXXXX 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 XXXXXXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$4500.00}. Also, I am going to request to the Credit Bureaus to send me copies of proof of verification or any documents bearing my signature to prove that the disputed items belong to me. In the event that the Credit Bureaus find not signed agreement, immediate removal of the disputed items will be greatly appreciated.
Product: Checking or savings account

Sofi have my money and refuse to close my account or give me my funds that was left into the account. Ive called the IRS and they are saying my check has been cashed but I have not yet to get my money. Sofi is stealing my money.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a charge of account from XXXX XXXX XXXX. This alleged account is a showing that it was purchased by another company. If this alleged account was purchased by another company it no longer belongs to XXXX XXXX. This is deceptive and unfair credit reporting practices. The FDCPA has provided framework to protect consumers from these types of practices from credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I attached my credit report I have student loans and I never went to school. I have multiple collections and charge off. I don't have any bad debt. I drive for XXXX and I have XXXX kids and a wife. Life is hard for us. Please I don't know who could've done this to me. 
XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed Hide closed ( 1 ) CREDIT CARDS XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2200.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1400.00} Closed XXXX/XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed OTHER LOANS XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed STUDENT LOANS XXXX   XXXX XXXX / XXXX not mines Reported : XXXX XXXX, XXXX + {$4100.00} In good standing XXXX  XXXX XXXX / XXXX not mines Reported : XXXX XXXX, XXXX + {$4000.00} In good standing Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

I have not applied for anything please remove these inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX NA Inquiry : Apr. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX/XXXX XXXX VISA Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX Reported : XXXX XXXX, XXXX + {$1900.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$860.00} Needs Attention
Product: Checking or savings account

I am filing a complaint against navy federal credit union regarding multiple over draft 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 aligns with the cfpb findings against navy federal credit union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair requested an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they 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 data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I submitted a fraud claim with Wells Fargo after noticing two unauthorized transactions when reviewing my account online. 

First Transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$190.00} Second Transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00}. 

These were reported to Wells Fargo immediately. While they investigated the claim, they issued a new debit card and my pin was changed. 

They denied this claim and did not offer me any reimbursement for the amount that was withdrew, including the ATM fees. 

The debit card was in my possession the entire time, I have other transactions throughout these days using that card to prove this. I never visited the ATM that is listed with these charges. 

I filed a police report with XXXX Police Department, Report Number : XXXX. I provided this report number to Wells Fargo and did not receive a response to that or my follow up emails to XXXX. I also have not heard back from XXXX Police Department after receiving the police report on XX/XX/XXXXXXXX 

My hope is that between Wells Fargo, XXXX Police Department, and CFPB somebody can access the camera to this ATM to prove that this is not me. 

After XXXX years as a member of Wells Fargo XXXX I am very frustrated and disappointed with this experience, and after this money has been stolen from me and the Wells Fargo denial I closed my account.
Product: Payday loan, title loan, personal loan, or advance loan

Looked at XXXX XXXX offers, One of thee offers was for Upstart. 
I previously Held a loan with them so I decided to compare their rates, they asked me to verify my income using their banking verification Plaid. I consented to this verification, they sent me offers. I wasn't Interested in any of their offers and closed the page. The following day, I received an email notifying me they have approved and were sending me a loan. I never applied or looked past the offers, this is a fraudulent loan. XX/XX/year>, they were notified immediately via email after hours on their app, XXXX They were called first thing in the morning to Tell them myself and confirm it. They sent me an email and got off the phone, Email states loan cant be canceled it has to be within the XXXXXXXX it was within that timeframe, but I didn't make this loan so why does that matter. XXXX Called back immediately and spoke with someone else, they provided falsified promissory note with an electronic signature and stated that it was mine, refusing to accept it was fraud. Stating that thee only way out of this was pay thee loan off in fullXXXX the amount they deposited + another XXXX origination fee that Didn't ever come to my bank or make the payments and spend over XXXX $ on interest on a 29 % loan I didn't apply for, got nowhere and was told he would escalate it. XXXX Contacted them again via the phone and was escalated their tech? Both the call taker and new person had no knowledge or notes of previous conversations or claims. Spoke with them explained the situation and again told they would escalate it and to wait for a phone call 24 hrs later. At this point they are trying to skirt laws and kick the can down down the path to extend the time past the legal timeframes even though they were notified several times verbally in the 24-72hr mark. I went to the bank and discussed with the bank the issue trying to have the money returned. The bank told me they are under legal obligation and face charges if they were to return it or act as if its fraud, giving them the right to verify my income and banking information allows them to deposit the money, there is no return address listed. The banks fraud department is launching an investigation but wont start for roughly 90 days, past the time they will damage my credit or effect my finances. The bank advised me not to send a money order and work with the company Upstart to handle this Directly. XXXX I mailed first class a Cease and Desist letter to the company first class mail today. Spoke with someone at the CFPB and they advised me to file a complaint, I am doing so now.
Product: Credit card or prepaid card

I was charged XXXX a month for XXXX XXXX Subscription on my ALL rewards credit card for a year & a half. When I realized these {$9.00} kept appearing each month, I called Comenity. They filed a claim with their fraud dept & said they would stop any further charges from XXXX. Charges continued to appear each month. I canceled credit card & they issued a replacement. Charges continued on new credit card. I was charged a late fee when I refused to pay statement. Comenity then informed me their fraud dept had ruled since I paid the XXXX each month I in fact was saying these charges were legitimate. I contacted XXXX ( letter attached ) & after several weeks of investigating, they located the account that the unauthorized charges stem from. XXXX said since I did not sign up for this subscription & I do not recognize the account, they said to go back to Comenity & file for a chargeback. I did this. Comenity said they did two separate fraud investigations on this ( obviously not checking with XXXX ) & they are standing by their original decision. The total amount of the refund I feel I am owed is XXXX.
Product: Credit reporting or other personal consumer reports

There is a Hard inquiry on my credit report from Captial One XX/XX/2023 that needs to be removed
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's an inquiry that I don't recognize nor have I applied to, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Capitol One Account # : XXXX, 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 a account without my written instructions 15 USC 1666B : A creditor may not treat a a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are in clear violation of the law.15USC1681 ( a ) ( 4 )
Product: Credit reporting or other personal consumer reports

By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days. of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.
Product: Credit reporting or other personal consumer reports

The following below did not have permission to run a hard inquiry on my credit profile. I demand them to be removed immediately unless can prove from these businesses or banks that i gave them permission, this is my third time making Experian aware. XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXXXXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Reported XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX 2023
Product: Debt collection

I am writing to you regarding a matter of utmost importance regarding my credit report. I have diligently followed the dispute process for several fraudulent accounts that have been erroneously reported on my credit report, and despite multiple escalations, I have yet to see any satisfactory resolution. 

List of Disputed Accounts : XXXXXXXX XXXX XXXXXXXX XXXX I have contacted your bureau multiple times regarding their removal. Despite my efforts and your assurance of investigation and resolution, these accounts remain on my credit report, severely impacting my creditworthiness. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to investigate and correct inaccurate or fraudulent information within 30 days of receiving a dispute. It has been well beyond this timeframe, and the continued presence of these fraudulent accounts on my credit report is causing me significant financial distress. 
I kindly request an immediate and thorough investigation into these matters, followed by the removal of the fraudulent accounts from my credit report. Additionally, I request that you provide me with a written explanation of the actions taken to resolve this dispute within the legally required timeframe. 

Failure to comply with the FCRA 's requirements may result in legal action to protect my rights as a consumer. I trust that it won't come to that, and you will promptly address this issue.