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

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXXXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXXXXXX - XXXX
Product: Payday loan, title loan, or personal loan

Tried to pay the remainder of the loan off to avoid being charged interest on a loan that had a 60 day same as cash and when I called on the XX/XX/XXXX they were closed in observation of XXXX. I called Monday and XX/XX/XXXX and they charged me the interest on the loan. I left them a message with there on call staff and even screen shotted the phone call. They refuse to honor there 60 day same as cash. I had a problem with fraud with this company as well, they do all the loans for XXXX XXXX and I cancelled my subscription with XXXX XXXX and XXXX XXXX  payed lending point back {$1400.00} back to them and I was left with $ 470+ balance for a service I never used. In the meantime over a spand of 6 months lending point held my credit hostage and called me to tell me that they are negatively reporting against my credit. After the {$1400.00} was returned to lending point they were forced to report correctly to the credit bureaus. I did receive a e-mail saying that they did correct the mistake. But dealing with there customer service I feel like this company is only out to rippe hardworking individuals off. All this took place in the holiday season and I have a XXXX XXXX baby. I am forced to pay the {$140.00} of interest that acurres more interest daily. Witch I don't understand because I paid the XX/XX/XXXX {$280.00}. So my next payment if I had to pay them would be XX/XX/XXXX. My payments were scheduled for the XXXX of every month. So I don't know. I am reporting them so you guys can hopefully notify them at least that they did me wrong and also keep future hardworking individuals from being ripped off.. thank you!!!
Product: Credit card or prepaid card

COMPUTER SCAM EVENT I was working on my desktop computer when a pop-up SECURITY ALERT took over control of my monitor!! The ALERT stated that the computer was infected with a XXXX virus [ this was the first LIE in this drama ] and I must call the phone number displayed in the alert to have it removed ( there was no way to remove the alert my computer was frozen ). It further stated that if I shutdown the computer, the security team would take control of the computer to keep the virus from infecting their system. I complied and called the toll free number. The person who answered the phone identified himself as XXXX and his security firm, XXXX ( he mentioned they were similar to the Best Buy firm XXXX XXXX who I am familiar with ) was working for XXXX as internet security contractors [ this was the second LIE in this drama ], He told me he would have to gain access to my computer to be able to scan the hard drive and remove the virus and repair any other illicit issues. There would be a fee for this service ( I think he mentioned {$99.00} ). I agreed and he took control of the computer. Scans appeared to be taking place and then terminated XXXX came back on the line and said that the virus had been removed and some other repairs had been made as well [ this was the third LIE as I later found out there never was a XXXX virus to begin with!! ]. He went on to say that his firm provided computer security protection/repair for $ XXXX/year for as many devices as were located at my address, but went on to offer security protection for two years for only an additional {$100.00}. This is how the credit card FRAUD/SCAM charge appeared in the amount of {$210.00} on my Citi Card. Just before terminating the phone conversation, XXXX said to me ; dont bother calling XXXX as they dont want to be bothered with issues their contractors deal with. It was this statement that piqued alarm bells and caused me to call my son-in-law who is an IT supervisor with XXXX XXXX XXXX in XXXX. CA. He told me ; XXXX, you have been SCAMMED!! get your computer to Best Buys XXXX XXXX as soon as possible theres no telling what the Scammers may have done to your equipment!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

n Accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX 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 a account without my written instructions
Product: Credit card or prepaid card

Does the company Cashapp deny that my spendable balance decreased? Regardless of the transactions being voided and not completed by the companies definition. Does the company Cashapp deny that my injuries occurred while I wasnt able to delegate my funds that were pending, and therefore unavailable, at the encounters of the injuries?
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX XXXX XXXX  number XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The. Information on the credit report is inaccurate, I have tried many times to resolve the issue and to no avail a solution has not been implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I disputed an account in the amount of {$3200.00} I had in collections to have been fraudulently opened. It was removed from my credit report. Then it was reinserted into my credit report in XX/XX/XXXX. I was not notified at all. This reinsertion lowered my credit score and also started the illegal re-aging of this account! I sent a certified letter to XXXX asking them to remove this Item off my credit report but haven't received a response and haven't been notified that they received this letter. This account is now open and last reported to the credit bureau on XX/XX/XXXX. Negatively affecting my credit on a monthly basis.
Product: Debt collection

I wrote to Citibank asking them to validate a purported debt they are trying to collect from me. In addition to asking them for proofs of claim, I asked Citibank to not continue to reach out to me in attempts to collect this debt until we could come to a resolution. Citibank has ignored my requests and has also not provided me with evidence the debt is mine. I've since sent Citibank another letter asking them again to provide me with anything that supports their claims and have not received it. I need help with their relentless attempts to collect this fraudulent debt as it is impacting my mental health.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This company Contract Callers has reported inaccurate information regarding an account that reports as opened on XX/XX/2019, and that I owed them {$510.00}. 
The account is reporting as XXXX XXXX, and I have not been aware of such a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. Equifax and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX. XXXX is incorrectly reporting me delinquent on my account when I am on a forbearance. They have damaged my credit. I have tried in every way possible to come up with a solution for them to have this removed for now and now they dont wan na work with me because of my credit. I need help with this. All three credit bureaus are impacted due to XXXX reporting this
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE IT.
Product: Credit reporting or other personal consumer reports

Several dispute letters have been sent to address the inaccurate information on my credit profile. ATTACHED, YOU WILL FIND A FEW OF THOSE DISPUTE LETTERS REPORTING INACCURATE INFORMATION!! THE INACCURATE INFORMATION HAS BEEN HIGHLIGHTED IN RED MARKS. 

THIS ACCOUNTS WERE CHARGED OFF, AND I DIDNT RECEIVE A 1098 FORM. THIS IS FRAUD BECAUSE IT IS STILL REPORTING THIS ON MY CREDIT. I AND CFPB WILL BE REPORTING THIS TO THE IRS UNLESS THIS IS DELETED. 


Under the Fair Credit Reporting act. The List of ACCOUNT BELOW has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : -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 the agency can not furnish an 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. 


XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX XXXX - Account number - XXXX XXXX  - Account number - XXXX
Product: Debt collection

They call me numerous times throughout the day from all different numbers they told me my debt was brought by another company which is midland credit, if I dont pay they will take me to court
Product: Payday loan, title loan, or personal loan

Navy Federal Credit Union unexpectedly closed my entire access to my accounts, due to one account ( checking ) being delinquent. I have no access to all my accounts that have been current, including my mortgage. I was told to call a " security specialist ''. I called the specialist and was told I was banned from Navy Federal and that I will have no online access to any of my current accounts. They are utilizing strong arm tactics and unusual tactics to make it hard to make payment on all my current accounts to include my mortgage ( a VA loan ), which I have never been late on. 

Navy Federal is failing to follow the 2016 order listed below : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-navy-federal-credit-union-pay-285-million-improper-debt-collection-actions/ Specifically from that order and is my situation : " Illegally froze members access to their accounts : The credit union froze electronic account access and disabled electronic services for about 700,000 accounts after consumers became delinquent on a Navy Federal Credit Union credit product XXXX This meant delinquency on a loan could shut down a consumers debit card, ATM, and online access to the consumers checking account. The only account actions consumers could take online would be to make payments on delinquent or overdrawn accounts. '' Navy Federal needs to allow access for me to access my information to all my accounts online. They are not following the 2016 CFPB order.
Product: Debt collection

Aargon Agency , Inc. is located at : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX Tel : XXXX Fax : XXXX Collection Accounts : XXXX Clients : XXXX This collection agency is trying to collect money that was already paid by my medical insurance and myself on XX/XX/2019. Please remove them this is fraudulent debt.
Product: Bank account or service

FYI, On XXXX XXXX, XXXX XXXX XXXX called his XXXX account to check the balance. He discovered that his account balance was {$12000.00} in the negative. He contacted his father to see if he had any knowledge of why his account would be negative. 

On this same date, XXXX XXXX XXXX went to a local XXXX Bank, XXXX XXXX, Texas branch to discuss the account. At this time, it was revealed to him by the local branch that there were XXXX online transfers from his XXXX to his USAA Federal Savings Bank. 

XXXX XXXX XXXX advised the bank that he never authorized the transfers. On this same date, he was advised that there was a USAA local branch in XXXX XXXX, Texas that he could visit to discuss the transactions. 

On this same date, it was revealed to XXXX XXXX XXXX that his accounts was fraudulently taken over. Additionally, he was notified that someone somehow gained access to his account, requested a debit card, changed all security notifications to a number. 

Last information on the account is that all of the charges are over {$25000.00}. 

USAA Fraud Department XXXX x XXXX ; Case # XXXX USAA has informed us that the violator requested a debit card from USAA and that the debit card first XXXX digits are : XXXX the last XXXX digits are : XXXX The debit card was sent to : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX violator 's Cellphone # XXXX USAA has since informed XXXX XXXX XXXX that they have made a business decision to terminate his membership and has determined that all funds owed are his responsibility.
Product: Credit card or prepaid card

We are receiving PAU through the Georgia Department of Labor using the Way2Go card and we have been unable to get our funds as needed. We have contacted the company several times without our problems being fixed. We are unable to use it at ATMS to withdraw cash regularly and within the XXXX $ limit. We are unable to transfer funds to our bank account. We are unable to use it online regularly with food or ride purchases. One minute it works and the next its declined without reason. They did what they called a whitelist 6 times now and each time its done we can't use the card for 24 hrs. I have been unable to feed my family or purchase a transmission for our vehicle due to these issues which is keeping me from returning to work. We can't even get to a grocery store for food or other needs. Again one minute the card will work and the next its declined without reason. We need a resolution to these problems not only for myself but for all of the Georgians receiving these funds. I only hope that we are able to fix these issues so our georgia families are taken care of.Thank you for your time
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I have been a victim of a data breach and identity theft. 
Fraudulent accounts and unauthorized inquiries have been identified on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be immediately blocked and permanently deleted from my credit file : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ List all additional inquiries here as needed, continuing the numbering for clarity. ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I opened a checking account at Truist on Friday XX/XX/23 with an opening deposit of {$50.00}. I changed my direct deposit so that it would go to this bank at the end of this month ( XXXX ). I received e-mail confirmation on Friday that my opening deposit was successful and I had successfully set up XXXX on the account. When I tried to access the account this morning, I received a message that the account was locked. I called the number listed on the message and the customer service agent told me I needed to verify my identity by going into a branch, but the closest branch is in XXXX, almost XXXX hours away by public transit! XXXX XXXX XXXX and do n't drive. On top of this, the branch isn't even open on the weekends so I would have to request unpaid time off to fix this bank error. 

If the bank can't verify my identity they shouldn't open the account and they shouldn't take my money, it's just irresponsible to put all of the burden on the customer in these circumstances. I was going to make this my main bank so took a lot of time to switch everything over and now I won't have access to my funds for at least two weeks with the holiday, which is a real financial hardship for my household. 

It would have been one thing if I was told that I may need to come into a branch to verify identity when I was opening the account : in all honesty, I probably would NOT have opened the account then because the nearest branch is XXXX hours away. But it is predatory for the bank to do this after the account has been opened and funded and my payroll switched over so they can keep my money for longer without any explanation.
Product: Credit reporting or other personal consumer reports

I discovered that several inaccuracies were reported on my credit report, including incorrect personal information and erroneous late payment histories. Upon reviewing my credit report, I noticed the following issues : Personal information related to my addresses ( XXXX XXXX XXXX, XXXX XXXX, MD, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD ) was incorrect and needed to be removed immediately. 

Several accounts were inaccurately reporting late payments, including those from XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX and others. These accounts were marked as having late payments, which was incorrect. I have consistently made payments on time, and I requested that the payment history for these accounts be corrected to reflect that they were paid as agreed and never late, as required under 15 USC 1681i of the Fair Credit Reporting Act ( FCRA ). 

A number of accounts, including those from XXXX, XXXX XXXX XXXX, XXXX, XXXX, and others, were reported inaccurately, and I requested that these accounts be deleted from my credit report under 15 USC 1681s-2, which addresses the responsibilities of furnishers of information.

I have made attempts to resolve these discrepancies with both the credit reporting agencies and the creditors involved, but I was unsuccessful. As a result, I sent a certified letter disputing these inaccuracies and demanding corrections or deletions as outlined in the FCRA. I also informed the recipients that failure to resolve these issues within 30 days would result in legal action, seeking {$1000.00} per violation for defamation, negligent enablement of identity fraud, and violations of the FCRA.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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: Debt collection

Received a collections notice from Linebarger Goggan Blair & Sampson, LLP in the mail on XX/XX/21 stating 3 unpaid parking citations. When I called on XX/XX/21, they informed me there was not just 3, but now 4 citations, even though the notice only included 3. The collections notice includes citations for a vehicle and license plate number I've never owned or had registered to me. I called to inform them they have incorrect data and was hung up on 3 times. On the 4th call, I finally wasn't hung up on and explained they're attempting to collect a debt which is not mine, which is a violation of the fair debt collections practices act as I've never had the car or license plate number for the cited vehicle. They informed me they were going to continue pursuit of collections anyway.