23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my friend XXXX gave me a prepaid gift card as a gift for the care and support I gave him during his illness with XXXX. In order to remember our mutual help and friendship, I let him register the card in his name, I was going to use the card in a store, but I needed to order something on a foreign website and I didn't want to expose my personal privacy and credit card information on a website outside the XXXX. So I tied the gift card to link my paypal account and successfully paid for the order, I haven't too much thoughts then removed the card because there is no money in it anymore, I didn't change the card to my name, even though I have the receipt and picture of the card, actually I can do it but I ignored it. Because it linked to my paypal account without any problem and paid successfully, I ignored the name issue, but perhaps because of this little accident, XXXX  days later, paypal cancelled my order without any explanation and without giving me any opportunity to explain or verify it, and just brutally and permanently limited my account, I received an email told me that I no longer could use the paypal because of potential risks. I was mistakenly considered a fraud by the foreign merchant and refused all my future transactions. 
Even though I compensated the merchant for the loss but they said they didn't receive. they still refused trade with me. Paypal returned the money on XX/XX/2022, however the gift card was locked, I called the gift card bank a few days later and was told that the money had been returned but I needed to fax them some receipts, since the gift card was purchased by XXXX, I didn't fax it to them. A few days ago at the XXXX XXXX XXXX XXXX party, XXXX told me he didn't contact the card company because he was too busy and he would contact them to unlock the card when he is free, we put this unpleasant experience.A few days ago the merchant contacted me and said they had misunderstood me due to some carelessness, they actually received my compensation, so they invited me to continue trading with them and welcomed me to buy again, but my PayPal account was permanently limited. and I couldn't continue shopping because of a small misunderstanding. I can not continue to shopping, I was so unlucky, but I can not understand they unilaterally permanently limited my account. this decision and punish is too harsh for me, yes! I consider it a punishment because it has negativel affected me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX 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
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 aligns 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 reporting, credit repair services, or other personal consumer reports

I AM UNABLE TO OBATIN MY EQUIFAX CREDIT FILE OR SCORE. 
PREVIOUSLY I WAS ABLE TO PULL MY REPORT UP UNTIL XX/XX/XXXX THEN ON XX/XX/XXXX I TRYED REQUESTING MY FILE TROUGH XXXX AND I WAS ADVISED BY BOTH XXXX AND EQUIFAX THAT MY FILE IS MISSING MY SOCIAL SECURITY NUMBER AND FOR THAT REASON I AM UNABLE TO OBTAIN MY REPORT! 

I SPOKE TO THEM SEVERAL TIMES. 
EQUIFAX HAS BEEN GIVING ME THE RUNAROUND THE HAVE BEEN RUDE UNPROFESSIONAL AND UNCOMFORTABLE. I WAS ADVISED BY GLOBAL EQUIFAX ON XX/XX/XXXX THAT THIS ISSUE WAS FIXED AND I WAS NOW ABLE TO OBTAIN MY REPORT TODAY XX/XX/XXXX I TRYED AGAIN AND NO LUCK THEY DID NOT FIXED THIS ISSUE. I CALLED AGAIN XX/XX/XXXX AT XXXX AND NOW THERE TELLING ME THAT MY FILE STILL HAS NOT HAVE MY SOCIAL ATACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft happen to me with a XXXX  secured card. I have told experian and XXXX  many times they refuse to remove. i need this removed or i will take legal action. i have been advised unless they can show proof how they say this is mine they must remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is harbouring incorrect information about a XXXX account and balance that was paid and should be removed. Additionally I can not retrieve my report from their website. This is hindering me tremendously from being able to receive loans from banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 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 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted XXXX To fix problem the account has been close since XXXX XXXX on my XXXX and XXXX XXXX on my Experian report
Product: Mortgage

JUST ANSWER THESE XXXX QUESTIONS AND STOP LYING AND EVADING WHAT YOU DID AND DID N'T DO : Wells Fargo needs to answer these questions in full based on their last response to the same issue. Refer to CFPB # XXXX. 1. In their response to the above complaint is Wells Fargo denying ever sending me anything on XXXX XXXX, XXXX? 2. If not, are they only denying sending me a rejection letter on that date? 3. If yes to above, what do they claim they did send me on that date? And why did they send it and what records do they have in their possession to prove what they sent me? Please supply all documents to support the claim that something else was sent to me on that date. 4. Is Wells Fargo claiming they do n't have any records of sending me anything on that date? If so what records do they have to prove they sent me anything during the application process? 5. Wells Fargo either needs to admit they sent me something on that date via XXXX or deny sending me anything on that date. Since there are records of that transmission having been sent to me they must either acknowledge or deny it.
Product: Mortgage

My house was wrongfully sold in foreclosure during loan modification, I have received jgmt for amount usbank bought the house back for after erroneous foreclosure sales. Principal at time was {$70000.00} and did none of the credits from XXXX/XXXX/XXXX of {$3200.00}. For loan modification as stated in phone call XXXX/XXXX/XXXX XXXX XXXX with usbank and following calls with XXXX XXXX. And {$820.00} XXXX and {$4900.00} for XXXX modification. I have requested several times what {$21000.00} RCA fess itemized. It looks like they have added sale figures back to principal on modification papers for sales principal of {$92000.00}. Please go over figures and they have told me they added the past due onto the principal which is wrong figure. I started filing application for loan modification since XXXX. They have dragged their feet for 7 years due to farm loan and made the expenses what they are today. My husband lost his job and is why we fell behind on the note. My husband has since been XXXX and we are still going rough that process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX AXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Bank account or service

I 've tried to open an account with Chase and they said I needed proof of address with a cell phone bill. I provided a printout of the statement from XXXX XXXX and they still denied me of opening up an account.
Product: Debt collection

In early XXXX I received a letter from First Collect dated for XX/XX/XXXX. It was a debt collection notice. There were 4 accounts listed as past due for a total of {$1000.00}. On XX/XX/XXXX I sent a certified letter for debt validation to First Collect. On XX/XX/XXXX I received a response from First Collect. It was another past due account notice, but only two accounts were listed for a total of {$520.00}. The letter stated that they have suggested that their client take legal action against me. They have failed to provide enough information to validate that this debt is mine and I am suggesting that they cease collection on this debt if they can not provide evidence that this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute to this company and have failed to receive my desired results. Please see my attached documents and have the company remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove one, I gave them permission to furnish and two, I was clearly giving an opportunity to opt out of reporting in which the law allows if not public information is being furnished.
Product: Checking or savings account

on XX/XX/2023 at XXXX Am I deposite a {$6000.00} cash all $ XXXX bill in ATM OF XXXX XXXX XXXX XXXX XXXX 
ATM number is XXXX. 

ATM message appeard said we are unable to return your cash and receipt of {$300.00} printed out. 

I called the number written in ATM XXXX, and reported the issue and file claim number : XXXX. 

Bank saiyng it take XXXX to XXXX business days to resolve claim. 
I dont blive bank have the right to hold my cash deposite for that long time.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Mortgage

CFPB had closed a case based upon their review of a mortgage companies reply to my complaint. XXXX # XXXX. I do n't see why the case was closed without my response to their reasoning
Product: Credit card or prepaid card

Bank of America accounting ending in XXXX. 

on XX/XX/ I reported my card lost and my charges on my card fraudulent. However, since the " chip '' was used on the credit card bank of America decided this was not fraud which is completely disregarded my claim which is lazy and untrue. See the attached letter. I did not have the card. I was not in XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX in one week time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In effort to correct my reports I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to equifax in regards to unauthorized and unverified inquires on my credit report. I am very stressed and need these erroneous inquires DELETED from my credit report immediately. 

1. XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX 2. XXXX - XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX  XX/XX/XXXX
Product: Mortgage

The company is taking extra interest on the loan every month, I have never been 30 days late on any payment. They send me a bill of what the interest and principal are suppose to be, but when I get the statement the following month, there is always more interest taken out as a penalty, and the balance due does not always match what the principal was suppose to be. I took this loan out over 10 years ago for I believe was around 14,000 and over 10 years later it is only down to about {$9000.00}. My payment is {$190.00} a month so even if they took half that in interest, I should have paid over {$12000.00} on my principal. Something is definitely wrong here and they are taking advantage of me. I called a couple times and the last time I spook to a guy and ask him about this and the only thing he could do is change my due date, what does that have to do with this extra interest coming out every month and he said he couldnt do anything about that. I sometimes would send a little extra to put toward the principal, but I see now that it goes into a fund they call deferred interest. What the heck is that? This is my last attempt with the company and then I go further into a law suite .
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a complaint was summited to equifax. Complaint number : ( XXXX ) The company was advise of a fraudulent account that was a result of Identity theftXXXX XXXX XXXX According to FCRA a company has 15 days to respond its been past deadline. I want this derogatory from XXXX XXXX XXXX removed immediately from my equifax report.
Product: Debt collection

I am a XXXX veteran, and had an emergency for XXXX on XX/XX/2022. This was the third time it has happened. 
I told the lady who takes the info that this is covered by VA 100 %. 
Now United Revenue is billing me {$200.00}, that I do not owe for their mistake. 
I asked for validation of the debt and they did not satisfy the request in a legal manner. So I wrote back with a refusal to pay. They violated the FDCPA & FCRA, which I will seek damages for it.
Product: Student loan

Hi, My account has been locked for over a year. I have written several emails, postal lettrs requesting access to my account- but all in vain. 
I am in a different country ( XXXX ) ; and I called in on the helpline- the automated server acknowledged that they knew I was having trouble accessing my account, byt kept me on hold for over 15 mins, but no rep came on the line. 
This lock has prevented me from accessing my loans, dented my credit score negatively and caused me great emotional stress as my loan amount keeps increasing and I keep getting payment reminders. 
I have email proofs that I have been trying to access my account since the past year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX ( INQUIRY ) XXXX XXXX XXXX The following personal information is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XX/XX/2023 : XXXX XX/XX/2023 : Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had credit in the mid XXXX, I just bought a house, I always pay my bills. I had a incident with XXXX XXXX clothing store / Comenity Bank & I had nothing but a big run a round by them & I have gotten nothing out of it but a bad credit drop. 

I just refuse to pay for something that I do not have, & that I have sent back, This is not fair at all. I need this disputed. 

I also was in the hospital for over a month with XXXX XXXX, I came very close to not making it out alive. I have proof if it will help with my side of the story. I am still dealing with the aftermath of XXXX  This is very wrong for my credit to have dropped down this low over this. I did refuse to pay, because they was not working with me with my returns. & refund.
Product: Credit reporting or other personal consumer reports

my name is XXXX XXXX XXXX I am a victim of identity theft and am formally disputing all unauthorized credit inquiries on my credit report. I did not apply for or authorize these credit checks. As noted in my FTC Identity Theft Report and the police report filed with the XXXX XXXXXXXX XXXX XXXX, these inquiries were made without my consent. 

The fraudulent inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Collections Accounts on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Southwest Credit Syste ( Account # XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these unauthorized inquiries be removed from my credit report immediately. Please conduct a thorough investigation and take the necessary steps to correct this
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As of todays date, XXXX / TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of I believe it was reporting in error. XXXXL XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX