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

On XX/XX/2018 I received a phone call from XXXX at XXXX XXXX in XXXX, Oklahoma where I currently have a loan. As they do every month, she called to offer additional funds if I wanted to come in and renew my loan. This time I decided to follow up on the offer. I went into the store. I made it very clear to XXXX that I did not want my credit run again as we were beginning the process of buying a home. XXXX advised that because I was renewing that my credit would not be run again. There would be NO hard inquiry. I ended up not getting the loan renewed that day. 
However, just a few days later on XX/XX/XXXX I learned that my credit had been run anyway and that a hard inquiry was made. I called XXXX to advise her of this and she apologized and said no that she had not run my credit. I advised that was not true because my credit monitoring had picked it up the inquiry. She advised that she would call the main office and get back to me. XXXX called back that day and again apologized and said that changes were made in the system and was told by the main office that because of this my credit had been run again. However, she stated that was in error and she advised that the FCRA Team at the main office told her that they would have it submitted for removal within 72 hours. She stated that she would call me that following Monday to confirm. She never called. Fast forward to over a month later and today on XX/XX/18 I called XXXX and asked why she never called me back. She apologized and said that she has been so busy over the past several weeks that she didnt have time to call. She stated that she was sent a letter from the main office and was told that the new procedure was that the system would pull a hard inquiry even though " they '' in the office are saying otherwise. She advised that she will get back with their main office but says she can not force them to do this removal.
Product: Credit card

This is concerning Citibank, specifically the Best Buy Visa Card On XX/XX/XXXX I received an email with an offer that If I spend {$750.00} outside of Best Buy by XX/XX/XXXX, I would receive a {$40.00} promotional rewards certificate. I activated the offer and proceeded to spend more than what was required. I never received the certificate. I called the Bank and she tried to help, but I don't think she understood how to fix it and tried to give me an account credit, to which I was not looking for, I simply wanted the certificate that was offered. I contacted Best Buy rewards and they proceeded to tell me that I had not opted into the promotion, which is not correct. I always click " activate '' on these offers and save the emails just in case this happens. The fact that they have no way of backing up what they are saying, and I have no way of proving it makes me feel that they never intended to honor the promotion, and others may be in a similar situation due to their bug/error. It is completely misleading to offer this promotion to spend and get, but not provide the certificate in the end. I am beyond disappointed with this experience, and I hope they will honor the promotion that the advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit shows a collections account for a service that I did authorize or sign for. I sent a certified letter to the collections agency asking them to provide me with any information about the debt because it is not mine. I sent this on XX/XX/XXXX. I have not yet heard anything back from them. I next sent a certified letter to both TransUnion and XXXX  on XX/XX/XXXX with no response. I do not know what else to do. The debt is not mine. Please advise on what next steps I need to take.
Product: Debt collection

I am filing a formal complaint against Navy Federal Credit Union ( XXXX ) and any involved credit reporting agencies regarding the illegal and inaccurate reporting of a charged-off debt that was previously dismissed in court. Despite this, XXXX continues to report a balance, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and IRS regulations.

Violations Committed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting a Balance on a Charged-Off Account ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ) My account has been reported as charged off, yet XXXX  continues to report a balance of {$1700.00}. 
Once a debt is charged off, and no collection attempts are being made by the original creditor, a balance should not be reported. 
Account Was Dismissed in Court, Yet Still Being Reported ( FCRA & FDCPA Violations 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1692e ( 8 ) ) XXXX sued me for this debt, and the case was dismissed in court. Despite this, they continue to report the debt. 
Reporting a dismissed debt as valid constitutes misleading and inaccurate information. 
Duplicate Reporting/ Re-aging the Debt ( FCRA Violation 15 U.S.C. 1681c ( a ) ) The same debt appears multiple times on my credit report with different dates of last activity. 
This appears to be a tactic to re-age the debt illegally, making it seem newer than it actually is. 
Inconsistent & Inaccurate Last Activity Dates ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) The reported last activity date differs across entries ( XX/XX/XXXX vs. XX/XX/XXXX ), which is false reporting.

Failure to Issue a 1099-C for Cancellation of Debt ( IRS & FCRA Violation ) If XXXX is reporting this account as a charge-off, they are legally required to issue a 1099-C Cancellation of Debt form if they have canceled the debt and do not intend to collect.

Demands for Immediate Resolution Immediate deletion of this account from my credit reports across all bureaus ( XXXX, XXXX, XXXX ). 
Cease all further reporting of this account, as the debt is not legally valid due to court dismissal. 
Issue a 1099-C if XXXX has truly charged off this debt and does not intend to collect. 
A full CFPB investigation into these violations, including improper credit reporting practices. 
If these issues are not resolved immediately, I will pursue legal representation and file a lawsuit against XXXX and any involved credit reporting agencies for willful noncompliance with the FCRA and FDCPA. 

I expect a written response within 30 days confirming that this account has been removed from my credit report.
Product: Checking or savings account

I contacted USAA on XX/XX/XXXX, to inform them that I wanted to dispute several XXXX and XXXX XXXX charges because a person named XXXX XXXX contacted me from a phone number similar to USAA 's XXXX number it was XXXX and informed me that my account is on high alert and I needed to take measures to rectify this situation prior to the matters getting worst and any company could just make withdrawals out of my checking account. These withdrawals convened on XX/XX/year>. He instructed me to go to XXXX and/or XXXX XXXX to get certified gift cards totaling {$7500.00}. I followed these instructions. Upon notifying USAA ( XXXX ) I provided the chronology as listed on XXXX in the same detailed manner. I received a provisional credit to the account pending completion of the investigation which moved from dispute to the fraud department. Between XXXX and XXXX, I talked to over XXXX fraud representatives asking them the status of my case and have they read the transcript from the discussion with XXXX on XXXX. XXXX I was notified that the provisional credit would be reversed to reflect a {$7500.00} negative amount to my checking account. On XXXX I asked XXXX to have someone contact to send me the documents used to make the decision that was derived at such as phone calls, letters, memo to the file, and etc. On XXXX I received a notification that per my request the documents used are " Dispute ID # XXXX and dollar amounts. A true investigation was never conducte based on the information that I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times by mail and by internet. THESE ACCOUNTS ARE REPORTING INCORRECTLY. I have never missed a payment and i have never been late on any payments. 
I would like to see how the CRA investigated this dispute. I would also like the name and the phone number of the person they spoke to. I would also like to see a print out of the late payment history from the bank they did the investigation with. I DO NOT WANT TO SEE COMPUTER GENERATED PRINTOUTS FROM XXXX, I want to see the actual paperwork they received from the bank itself. 

All of these accounts are closed in good standing -- -- If the late payments are not corrected please remove the closed accounts. 
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XXXX.. 
XXXX.. 
XXXX..
Product: Student loan

Navient continues to allege that I have three loans l with them. They continue to harass me and cause me see XXXX. I lost my job and have no healthcare and told Navient that there was no way that could ever make Ann payments on any alleged debt even when I was employed making less than XXXX a year with XXXX in debt ... the harassment from Navient will not make money magically appear and the harassment is causing a great deal of XXXX and misery ... Navient continues to add on fees, interest, has no realistic payment options for any alleged debt and all they do is stalk and harass me with robo calls regardless of the time of day and even when I told them to cease and desist they continue to harass me.. this is a predatory company that does nothing but harm people.
Product: Credit reporting or other personal consumer reports

Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is XXXX, and I did not authorize their inclusion. Please rectify this promptly.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report and see that the XXXX CREDIT BUREAUS don't care that Ive been a victim of identity theft. I found a lot of accounts and inquiries on my credit report that were not open by me. According to Equal Credit Opportunity Act, the XXXX CREDIT AGENCIES harmed me for many years, barring me because of my ethnicity as an XXXX American born in our beloved U.S. The injustice hurts me to make a life for me, my daughter and fiancee credit, car, and a home, the American Dream. Please remove the fraudulent accounts and inquiries from my credit report as fast as possible. According to FCRA Section 605B it is illegal to report information on my credit report without my permission, please remove these accounts and inquires from my credit report NOW. AND 15 USC 1681b. ( 2 ) PERMISSIBLE PURPOSE for ANY negative item including Child Support that a company reports to your credit report WITHOUT your WRITTEN CONSENT is considered identity theft and fraud...
Product: Mortgage

My mother owns the home. Got behind due to Covid lost job. My dad lost life to XXXX. My moms house defaulted as a result. We were told we were protected by the moratorium in place. When I went to sign closing docs they added {$33000.00} in unpaid fees and interest and {$10000.00} in penalties. The bank statement itself says we owe {$15000.00} to be current. I was told they are violating regulation Z by Legal Aid of Nevada. BSI Financial Services also told me the moratorium does not apply to them they are private investors. They said they will not reduce any of the fees. Even though we were effected by the pandemic. The fees are compounded at 18 %. Also when my parents signed they were not aware of what they were signing my dad had XXXX, is a veteran and they were both XXXX and XXXX at time of signing. I want to resolve this as quick as possible. If they will honor what it says on their bank statement of {$15000.00} I will agree to pay that. Id like the prepayment penalty waived due to extenuating circumstances beyond our control. Thank you
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagging 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, to include credit cards.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A 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. 

XXXX XXXX XXXX XXXX XXXX XXXX  -- {$3100.00}
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 ) XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights 15 USC 1681 section 602 A , states that I have rights to privacy.

15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without written instruction.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent a 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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I never requested a fraud alert be placed on my credit report. If you investigate theres no fraud alert on my other reports with transunion or XXXX. This is getting out of hand!!!! Ive requested this BE REMOVED IMMEDIATELY! Why is this still on my Equifax report!!!! 
This is considered inaccurate reporting according to ( FCRA Section 605 ) The FCRA mandates that consumer credit reports must be accurate and up-to-date. A fraud alert placed without your consent could be considered inaccurate or misleading information on your credit report, which may violate this provision.

Equifax failure to Correct or Delete the Inaccurate Information ( FCRA Section 611 ) has shown improper investigation and should be found in violation of my rights according to FCRA 611 and FCRA 605.
Product: Money transfer, virtual currency, or money service

Complaint About : A Worldwide Corporation refused service 's offered to me that is offered to the general public which impact my constitutional rights and civil liberties. 
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Type of problem ; A Worldwide money transfer corporation refused to allow me to patronize their corporation to perform a money transfer from the United States of America abroad. This corporation stated they have the right to refuse service to individuals in the general public but are required to comply with legal and regulatory standards in countries they service ; their decision toward me XX/XX/XXXX violated my constitutional rights and civil liberties as an American Citizen ( please reference page _ attached ). 

What happened : On XX/XX/XXXX I attempted to patronize a worldwide money transfer fee service corporation and was refused service. Their call center stated a " COD '' had been placed on my account and I would need to contact their internal Global Consumer Reinstatement department via email. This department asked me to complete and return their Consumer Reinstatement Questainnare along with any necessary documents requested. On XX/XX/XXXX all of the proceeding was provided to this corporation. 

On XX/XX/XXXX I received an email from their employee named XXXX Op XXXX who stated all documents had been receive and tracking # XXXX had been assigned. Having been told it would be completed within ( 5 ) business days and having exceeded that time frame on XX/XX/XXXX I inquired via email a second time to that department and was informed by XXXX Op XXXX that they were working to solve my issue ( please reference documents enclosed ). 

On XX/XX/XXXX I received outcome from this department communication stating this corporation has the right to refuse service to anyone in the general public and based on their service terms and conditions they stood by their decision to see that I would continue to be refused service. 

What company is the complaint about - Western Union. 

People Involved : XXXX XXXX - Customer XXXX ( Op ID : XXXX ) XXXX ( OP ID : XXXX ) Pertinent Additional Information : I have been a Western Union Reward Point 's Member since XX/XX/XXXX ; my WU # is XXXX. 

From XX/XX/XXXX to present .I have acquired over XXXX reward points patronizing this corporation and have never had any problems. 

MTCN number 's of past use are listed below although some of the dates, transactions and dollar amounts vary which show my frequency patronizing this corporation. It was similiar to buying stamps at your local post office in using their service : XXXX,XXXX, XXXX, XXXX, 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, credit repair services, or other personal consumer reports

I have contacted Equifax after contacting 3 creditors that are showing on my credit that I did not authorize as inquiries. I informed Equifax that the inquiry was fraud, and the creditors have agreed to delete from my credit file. The creditors said that they have sent electronic Communications to the bureaus, but Equifax is saying to me they have not received it. It has been 2 months. I have gotten a credit file update on today in the mail from Equifax saying that the inquiry will remain. I called and was told they have not received any Communications yet from the other parties. I spoke to the creditors twice and they said the information was sent and that they have always had issues with Equifax. 1 inquiry from XXXX has already deleted from the other bureaus, but not Equifax. All of the inquiries include XXXX, XXXX and XXXX. The creditors have even sent me letters verifying that they have agreed to delete from my credit which I sent to Equifax. However Equifax is saying that they can't accept it from me although they allow documents about other things. I've had to put a fraud alert on my acct due to recent unauthorized use of my credit information and they know this. I also have 4 student loan accts that are showing as duplicates. They all are listed as XXXX XXXX. If someone can assist me in this matter, I would greatly appreciate it. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED FRAUDULENT OPENED ACCOUTS ON MY REPORT. MY PERSONAL INFORMATION WAS COMPROMISED DURING THE XXXX XXXX BREACH. I HAVE NO KNOWN KNOWELEDGE OF THESE ACCOUNT AND THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT
Product: Credit reporting or other personal consumer reports

I had signed up for XXXX different accounts from XXXX XXXX, XXXX was for Rooms Today, the other was for XXXX XXXX. 

There was a huge confusion because they must have inputted my social security number incorrectly or it is someone from XXXX 's fault when this account was set up. 

The first company was not only not giving me information on my balance of my account and several other factors even though they knew my phone number, amount and date of purchase and everything but the social, which they wouldn't tell me what the correct one was. 

I pleaded with the rep and the XXXX, so there was a payment or XXXX missed, plus I was sick with XXXX during this time. 

I also have the other account with XXXX XXXX XXXX, I made the current payment and the next day I sent another {$500.00} that would be for another payment, I see it was receipted but yet still they contacted me today, saying that I missed XXXX 's payment then reported me late to bureaus. I'll attach the XXXX payments made in XXXX
Product: Credit reporting or other personal consumer reports

I have called multiple times with no help I provided a Police report from the county I live in as well as supporting documents and a FTC Report. I was told by phone by 3 fraud experts that the fraudulent accounts would be blocked and removed due to them being opened fraudulently they just needed the documents which i did uploaded. I spoke to another fraud expert on XX/XX/year> who told me she wasn't going to block the 3 accounts that were opened fraudulently that are damaging my credit. I provided police reports as 2 addresses were listed which were not mine but they removed one address an left the fraud address on my account. By Law -15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX Has Failed to Correct XXXX  of XXXX, JPMCB Credit Card as well as XXXX  XXXX credit card and remove an address that is not associated with me. I have secured Legal Representation due to the unforeseen circumstances and false information given by employees of XXXX multiple times. I am Requesting these fraudulent accounts be removed as i have produced a police report from the police station and a, FTC report