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

Hello, I have had extreme trouble with Navy Federal Credit Union in regards to a ATM fraud dispute. During the month of XXXX I was the victim of fraud, {$400.00} was withdrawn from a ATM using my debit card and personalized 4 digit pin, And {$400.00} was used via XXXX XXXX. As soon as I noticed I contacted Navy Federal immediately in regards to the fraud to make a claim. The first claim made was never processed it wasnt until I drove 1 hour away from my home to get a new debit card where I was notified the claim wasnt processed. I then proceeded to make a new claim at the branch. After driving an hour back home I was then notified my claim wasnt finished being processed ; I then had to finalize my claim for the third time.After all the trouble I went through to even actually file a proper claim. My claim was denied within a day, Never did a investigator nor the fraud department contact me about my claim. I then contacted Navy Federal in regards to there decision.They based there decision on the fact that My pin was used and that my card was somehow back in my possession after being stolen. I ensured them I have no idea who took my card, how this withdrawal or XXXX  charge was processed.I consistently begged and pleaded with Navy Federal to properly investigate this claim ; They never properly investigated. Every time I called I received someone rudely from the fraud department telling me how odd my situation sounds and how no one would know their pin to use their card at an atm. I became a suspect in my own fraud claim.In the middle of a pandemic {$800.00} was taken from me and Navy Federal Credit Union failed to hold their agreement on their Zero Liability Policy. No matter what day or time I call I always receive someone rudely from there fraud department with no intentions on helping me in a situation I have no control over.I have even filed a police report with XXXX Pd something the fraud department ensured would overturn my denial and help me receive my credit.Instead Navy federal replied with a series of questioned to be submitted after I have already notified them of all the answers.Today I called the fraud department an another rude representative told me months after my claim that they will not gIve me any credit or help until I help find and prosecute the person who stole from me.I am not a officer of the law and I have done everything that can possibly be done. She ensured me even with an appeal I will most likely never receive a credit, I was blamed for the fraud done on my account.I have given extremely great recommendations and have had afairly good experience with navy federal until this. It upsets me to have to file a complaint but the measures the fraud department has asked me to do is extreme .In the middle of an pandemic I can not afford to lose money nor waste time finding and prosecuting someone.I trusted Navy Federal with my hard earned money and they failed me and labeled me a suspect after I spoke so highly of there company.It truly saddens me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report that I did not authorize. The hard inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) also ( XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). They are all unauthorized hard inquiries. I have contacted all credit bureaus to get the inquiries  removed but they have yet to be removed from my credit report. I was told that there was nothing that could be done by one agent at XXXX. I simply want these inquiries removed from my credit report with all credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX XXXX XXXXXX/XX/2019 XXXX XXXX was XXXX  days past due date
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a balance due of {$180.00} on the XXXX XXXX   XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the email correspondence ( copy attached ), the loan company will request that this loan be removed from my credit report entirely when the report of repayment has posted. This account has been paid in full and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card

Chase, through their Chase Offers program, was offering {$50.00} cash back for {$500.00} spent on the Chase Travel platform before XXXX XXXX. I made three separate purchases : XXXX XXXX for {$300.00} ; XXXX XXXX for {$170.00} ; XXXX XXXX for {$68.00} for a total of {$540.00}. 

As I was not credited for this by XXXX XXXX, I called Chase to flag this issue and request a credit. 

I received a letter on XXXX XXXX, dated for XXXX XXXX, that this offer did not exist. 

I called on XXXX XXXX and informed a supervisor that I do indeed have a screenshot of the offer. They asked me to send the screenshot through their online portal, which has had an issue with uploading documents. 

I have since called to follow up on XXXX XXXX and was informed that the marketing team is claiming that the offer did not exist and the company did not offer another way to upload documents.
Product: Debt collection

Citizens Bank is attempting to collect a debt that is not mine. It is for a security system at an address that I do not own, rent. or have any interest. I have lived in my home for 43 years. I have never had dealings with Citizens Bank/ Received notice of collection from XXXX XXXX on XX/XX/XXXX regarding debt to Citizens Bank in the Amount of XXXX. Research revealed that Citizens Bank financed a security system for a home at XXXX XXXX XXXXXXXX XXXX, TX XXXX on XX/XX/XXXX. Citizens bank REF # XXXX A security system was installed by XXXX XXXX, Acct XXXX XXXX I have never lived/ nor rented or had any connection with Citizens Bank, XXXX XXXX or the address at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXXT XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXXK XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/2019, I received a phone call from what was identified as XXXX XXXX On My Caller ID. I believed that Fraudulent activity had been attempted on my XXXX XXXX XXXX XXXX Which handles my XXXX Benefits. I was told that a {$300.00} charge had been flagged and attempted at a XXXX. I told what I Believed Was XXXX XXXX that the charge was not authorized. I was informed that a XXXX XXXX XXXX Mastercard would be issued in 2 days at no expense. I also informed that another fraudulent charge from a XXXX for {$49.00} had been made in XX/XX/2019. The alleged XXXX XXXX person claimed that {$49.00} charge would be reimbursed to my account. I was satisfied that this had been brought to my attention at the time. Within the hour of receiving this call I went on the XXXX XXXX app to check my balance. I discovered a shocking result. {$800.00} had been withdrawn from a Chase Bank ATM in XXXX, Florida with an XXXX cent ATM Withdraw fee. Then {$180.00} had been withdrawn in addition. {$980.00} had been withdrawn out of my XXXX XXXX Mastercard & Social Security XXXX benefits without my consent or permission from a Chase Bank ATM In XXXX, Florida. I called Chase Bank at XXXX & at XXXX under the address of XXXX XXXX XXXX ; XXXX, Florida XXXX which was listed as the location in which the withdraw took place. I am in XXXX XXXX, Minnesota. I did not authorize nor consent to ANY Chase Bank ATM Withdrawals in XXXX, Florida. I reported this fraudulent claim to Chase Bank hoping Chase Bank Fraud Department would start a claim due to the loss of the {$980.00} I suffered. The Chase Bank Phone agent told me nothing could be done until XXXX XXXX started a claim. XXXX XXXX was unable to accept my claim due their " high volume of calls. '' That is it's own seperate complaint. The complaint I wish to file here today is with Chase Bank XXXX XXXX, Florida. When someone calls Chase Bank & reports suspicious & unusual activity which occurred at a Chase Bank ATM, I hope that the Chase Bank phone agents would take fraudulent complaints where a XXXX Benefits recipient states that {$980.00} was withdrawn from a Chase Bank ATM Without Consent. I truly hope the Chase Bank Fraud Department may cooperate with the XXXX XXXX XXXX XXXX at recovering the lost funds or holding the perpretrators of this fraudulent activity accountable.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> there was a fraudulent credit card account opened with my personal information with XXXX XXXX XXXX for the amount of {$330.00} dollars i have filed a dispute with the ftc and XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Identity Theft and Failure to Update Credit Report Information Dear Consumer Financial Protection Bureau, I am filing this complaint to formally report violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Despite multiple attempts to correct inaccuracies on my credit report resulting from identity theft, the credit reporting agencies and data furnishers have failed to take appropriate action. 

Background of Complaint I have been a victim of identity theft and data breaches, which have resulted in fraudulent accounts appearing on my credit report. Additionally, I have been unable to access my credit profile at various times, further supporting my claim of unauthorized activity. The following breaches contributed to the compromise of my personal information : The Equifax data breach ( XXXX ) The XXXX data breach ( XXXX ) The Experian data breach ( XXXX ) Issues and Violations The credit bureaus and data furnishers have engaged in the following violations : Failure to Update Personal Information : My full legal name should be listed as XXXX XXXX only. 

My current and only valid address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX. All outdated addresses should be removed as I no longer have access to them. 

All phone numbers should be deleted from my report. 

My Social Security number and date of birth should not be publicly displayed on my credit file. 

Employer information should be removed as it is outdated and irrelevant. 

Failure to Block Fraudulent Information ( XXXX XXXX. XXXX ) : Despite providing a valid identity theft report and police report, fraudulent accounts and inquiries remain on my credit report. 

Failure to Provide Method of Verification ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) : The credit bureaus have refused to disclose how disputed accounts were verified, violating federal law. 

Failure to Safeguard Personal Data ( XXXX XXXX. XXXX ( g ) ) : My personal information has been mishandled, leading to identity theft and unauthorized credit activity. 

Failure to Ensure Accuracy of Reported Information ( XXXX XXXX. XXXX ) : Data furnishers have continued to report inaccurate and fraudulent accounts despite multiple disputes.
Product: Debt collection

Contacted the company via phone and email explaining that I had already paid the amount they were asking for on the date in question, XX/XX/2017, also emailed the company proof such as bank statement of purchase made with my credit card and receipt that purchase was paid with credit card
Product: Vehicle loan or lease

On my credit report, I am now responding to XXXX XXXX with a balance of {$3100.00} due to a settlement and Now my updated balance is {$1100.00} and the Nicholas Fin reports are reflecting wrongfully on my credit report. I have provided some explanation about the basis for any such dispute and any documents and information that might support any dispute consumer wishes to assert! There is a credit report showing the information of Nich FIN three times on my credit that need to be removed and updated properly with the correct Information and agency.
Product: Credit reporting

I 've got ta collection from XXXX XXXX for an account that does not belong to me! 
Though I make my credit payments on Time and have stable XXXX job ; I am unable to apply for credit or improve my Families Well Being. due to the above mistake fromt he collection and credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My recent credit report review revealed some billing mistakes. The listed late payments are not representative of my usual timely payments. Id appreciate it if you could resolve this and update my account. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX : {$25000.00XXXX XXXX XXXX XXXX XXXX XXXX : {$31000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$44000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX, XXXX XXXX Account # XXXX, XXXX Account #  XXXX XXXX XXXX Account # XXXXXXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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 XXXXXXXX  US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # starting with XXXX, XXXX XXXX XXXX Account # starting with XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also States a consumer Reporting agency can not furnish an account without my written consent or instructions.
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX and XXXX XXXX  ( XXXX XXXX ) Account # XXXX has violated my rights. IN accordance with FCRA 15USC 1681c-2- Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later that 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the consumer ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer and ( 4 ) a statement by the consumer by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED ITEMS ONLY TO COME BACK VERIFIED AND STILL I HAVE INFORMATION THAT DO NOT BELONG TO ME IS BEING FURNISHED, DISSIMINATED, SOLD, SHARED AND STORED WITH OUT MY CONSENT BY XXXX, TRANS UNION AND XXXX IN MY DATA, I HAVE STATED UNDER FCRA MY RIGHTS TO PRIVACY HAS BEEN VIOLATED AND THE SAME ISSUE NOW PREVENTING ME FROM OBTAINING A MORTGAGE DUE TO THESE ACCURATE REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

This formal complaint is against Equifax, XXXX and XXXX for unlawfully reporting fraudulent accounts that were established using personal identification without my authorization or written consent. Equifax has willfully and negligently ignored multiple dispute requests to properly address fraudulent information being furnished on my consumer report. You have failed and neglected to provide written proof and validation that these alleged accounts belong truly to me. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged accounts, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX tradeline was deleted from credit report
Product: Credit reporting or other personal consumer reports

I checked my XXXX XXXX account and notice that I have an inquiry on my report that I did not authorize. The inquiry is from XXXX XXXX ; for XXXX XXXX XXXX. I immediately called TransUnion, since I didnt make this inquiry nor was I aware of it. A TransUnion agent told me to go online to their dispute center. I did so, and noticed that there are dispute buttons next to every section, besides the inquiries section. Therefore, I called TransUnion back and an agent told me that there is nothing they can do to help me. The agent was only able to put a freeze on my account ; nor did they help me with placing a fraud alert on my account. Note : I called XXXX XXXX  and was told that my information was not on file and they are unable to help me due to no information being in their system. 

On XXXX I received an encrypted email from TransUnion stating that the inquiry will remain on my credit report for two years. Therefore, I sent out a 2nd inquiry removal letter. The letter includes my rights as a consumer etc ( 15 USC 1681 ). 
Note : For days now, I have been trying to request for an re-investigation on the TransUnion dispute website ; there are no button options to access.
Product: Checking or savings account

I had bill pay set up through my optum HSA account. I set up the payments to auto pay XXXX XXXX Bank, as it is a credit card I opened for a medical XXXX. XXXX XXXX payments of {$30.00} on XX/XX/XXXX, and XX/XX/XXXX, were never credited to my XXXX account but have still been debited from my Optum HSA Account. I called Optum to do XXXX stop payments and was told they just changed their bill pay recently to send over electronic card numbers instead, and that XXXX did in fact receive said payment. I have called back and forth and no one will Help me. I need a XXXX statement from Optum bank but it is mid XXXX and still nothing. I have to prove to XXXX bank that the payments were debited from my account, paid to XXXX  and I can't as I can not get a statement from Optum. I attached a transaction snapshot from XXXX  bank as I receive paper statements and don't have a scanner. I disputed missing payments on their end and they closed the dispute as it's been 30 days, and I have NO statement to show them proof from my Optum account.
Product: Credit reporting or other personal consumer reports

This is my personal, good-faith request for relief to REMOVE these ITEMS, let this letter serve as a formal notice you knowingly reporting inaccurate, incomplete or unverifiable information regarding the items listed below. Here as listed ITEMS in error : The following ITEMS have not been validated and must be removed : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  by phone and mail to remove an item that doesn't belong to me and I have taken further action and I wont the debt removed as there is fraud that was investigated in the past that and I was told by a company working on my behalf that the information would be removed and it yet still appears. 

Dates of unauthorized inquiry XX/XX/XXXX for XXXX  XXXX {$300.00} Credit Card agreed to remove from my credit report up to 30 days XXXX {$4300.00} XXXX XXXX Never Lived here asked for verified documents never received form original company neither heard back from XXXX 

XXXX XXXX - Debt {$2600.00} XX/XX/XXXX opened. Contacted both XXXX and Creditor no corrected actions. Reported on XXXX XXXX XXXX XXXX XXXX - Debt {$2500.00} XX/XX/XXXX Opened No corrected actions of removal. Reported on XXXX, Transunion and XXXX  XXXX Debt {$920.00} Contacted by mail and phone Actions was deleted from one credit bureau but not Transunion and XXXX  XXXX and company continues to report the information now. 

XXXX  Credit Bureau Reports XXXX Debt {$170.00} inaccurate information, also disputed by mail on XX/XX/XXXX no corrected actions of deletion.
Product: Credit reporting or other personal consumer reports

I requested that XXXX XXXX be deleted from my credit reports. However, it was deleted from XXXX, and I need it deleted from XXXX and XXXX, as well. XXXX and XXXX only updated this old account, so now I need it deleted.