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

I was scammed on XX/XX/2019. I bank with Navy Federal in XXXX XXXX, VA. I deposited a check that was a fake check. I did not know that the check was fake. The bank failed to catch that it was a fake check also, and it resulted in me losing {$2500.00} in funds. I believed that the fake check was real because it was deposited and cleared. I did not know that a fake check could clear my account as the fake check sat in my account for about three days. Prior to using the check, I contacted the bank to ensure that the check was cleared, and that the funds were deposited into my account. It was confirmed able to use. 

On XX/XX/2019, I went into the bank and used teller services to cash a check. The check was handed to the teller and I provided with cash, {$36.00}. I received notification from the bank several days later that the check was an expired check. I had no idea. However, I could not understand how the teller failed to notice that the check was expired and could not be cashed. 

I have had many problems with Navy Federal missing critical fraud issues. It boggles me that the fraud/scams are not caught at a faster rate. I have had to contact them to inform them of errors made by their bank. I happen to believe that Navy Federal employees may be assisting or conducting these fraudulent matters.
Product: Credit card

Im charges {$390.00} in annual fees but a travel card provider can not deliver my authorized card request internationally. I have wasted 3 months reaching out to support which has lead to even more disappointment. 

Upon airline schedule change one of the travel agent said that I can get a full refund when I cancel and when I actually asked for a refund they denied it saying its not in airline policy. Turns out the card provider is the only one with access to policy and it changes as they would want. 

This company isnt transparent I have no paper proof as they dont send letters or email. Everything is done over call only to which only they have the recordings. Even after filing a complaint they with them they dont give you a number so customers can never figure out if the complaint was logged or not.
Product: Money transfer, virtual currency, or money service

I tried on XX/XX/XXXX to send money from my bank account to a friends bank account in XXXX through Western Union. It was {$4000.00}. The money was taken from my account on XX/XX/XXXX, and I was told that it would be available to my friend by XX/XX/XXXX. When it did not arrive on that date I called and emailed Western Union. I was told that a trace would be put on the transaction and the money would arrive in two days. When it did not arrive I called and emailed again. I was told that the money would arrive in five days. When it did not arrive I requested that my money be returned to my bank account. It is now XX/XX/XXXX and the money neither arrived at my friends account nor was returned to me. Western Union is doing nothing but ignoring me.
Product: Credit reporting or other personal consumer reports

I request the intervention of the Consumer Protection Financial Bureau to evaluate two agencies that appear to be inquiring about credit under my name, some with errors and others submitting the same information on several occasions. The documentation was sent to confirm firmly that these agencies do not take into account or assume that everyone who requests credit is possibly a " fraud '' who is already known in these matters. Please take immediate action because they are based on theories that assume that it is really me who is requesting, they do not realize when they make account invocations on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried to get Experian to show a Credit Score on their site which shows me my credit card accounts etc. 
I just received an email saying : Hello XXXX, Important information about your FICO Credit Score We wanted to let you know that we couldnt automatically update your FICO Score from Experian this month based on the data we pulled on XX/XX/2021. If youre planning on applying for credit soon, we have seen members in similar situations generate a FICO Score by ruling out the below items. Do any of them apply to you? 

( I have a credit score on my XXXX  account and also on my XXXX card under XXXX so I don't see how the " Items. Do any of them apply to you? '' would make a bit of difference since I have scores on those sites. ) Now I happen to know they are lying to me due to the following. 
I have a XXXX XXXX account and with that account they also give me access to my credit called XXXX XXXX. 
On that XXXX XXXX I have a FICO Score of XXXX and do you know where that FICO score comes from? 
It says it right there on the page : Powered by Experian!  Yes it does! 
So why if Experian can allow access to my score on my XXXX account they won't show it on their site? 
Because they keep offering me, for a monthly fee to give me access to my FICO score. 
They are lying to me and preventing me from obtaining the credit I am trying to get to improve my credit score. ( The one I have on my XXXX account ) It basically amounts to extortion. Pay us money or we won't list your fico score. 
Creditors go to their site to check my score and not my XXXX account. 
I am very very upset with them and have called and called and emailed and they just keep lying to me! 
Please Please Please help me to get them to stop lying to me and put my Score on their site. 
Thanks.!
Product: Credit reporting or other personal consumer reports

Remove this from my credit report as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my fourth time writing you to update my person information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impart and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX, GA XXXX Please delete all other addresses, I can not receive mail or a correspondence nor do I have access to any of these addresses plese delete these outdated addresses and update the addresses with the one above. 

My only phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 go USC 1681 and all its subsections.

Please send and updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/year> XX/XX/year> Reference # : 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 a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative account showing up as a closed account on my Equifax credit report. 

the account isn't mine it has been removed from the other two credit agencies. Credit card for XXXX XXXX amount {$500.00}. That account belongs to someone else. I have no responsibility for the account at all. I have disputed this 6 times and it keeps coming back as verified. The account holder has a different and Equifax needs to do a legit investigation and remove this from my file. I know for a fact this is not my account as I have already spoken to the original company and they told me to file a dispute and it would be corrected. That's why it was removed from XXXX and XXXX. 

It clearly says this was not my account It says Authorized user Authorized users aren't legally responsible for making payments. I was not the primary account holder on this account
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of the Fair Credit Reporting Act ( FCRA ) and request assistance with a credit reporting issue. My student loans, previously serviced by XXXX, were forgiven on XX/XX/year>, under the Biden Administration 's student loan forgiveness program. 

Despite the loan forgiveness, XXXX has incorrectly reported my account as 120 days past due to the three major credit reporting agencies ( XXXX, TransUnion, and XXXX ). This error has caused significant harm to my credit scores and reports. 

I request that the CFPB investigate this matter and take appropriate action to correct the error. I have attached a copy of the loan forgiveness notification highlighting the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was a user of Venmo for quite some time without any issues, as I always use there services properly and use them what they are meant to be used for. On XX/XX/year> Around a week ago they suspended my account and sent me an email saying they noticed some unusual activity on my Account, which there was none I simply changed my password as I regularly update them for security purposes and right after they suspend my account, but anyways they tell me in the email to send my ID to them so so did and they locked my almost {$1000.00} dollars up while they investigated whatever they were investigating causing me a terrible headache and sending me into panic mode as ai am a single father of XXXX kids and i also had my XXXX wedding the very next day I needed my money for and there customer service said oh well nothing they can do i have to wait XXXX days well a few days pass and I get a email saying my account is suspended for good and they are holding my funds for a 180 days and then possibly then XXXX make them available to me if I recieve an email. This is unacceptable. This is nothing more than a corporation robbing the middle class as a simple google search after this happened to me shows this is common practice for Venmo and they are known for doing this suspending peoples account for good and holding there money and never giving the user access to get here money off again as the app is locked and the money is stuck in there. I need my money. That is my last bit of money I had to take care of my children and reinvest in inventory to make more money off that money. I am so set back already and Venmo literally will not explain to me anything and said they are moving foreward with closing my account and will not respond to me now. This has to be illegal what they are doing and I will not let this corporation rob me and steal my last bit of money I needed to take care of my family and use for my business to generate more money with. I did nothing wrong and they are doing this to people every day and then ignoring us and stealing our money and never giving it back. Ive not read one thing where someone actually got there money bafk eveyone says they stolen thousands from them too. If they don this to XXXX people a day for a whole month then thats damn near a half of XXXX dollars and the rate there doing this I can only imagine how much money they have after practicing this deceitful shady process for as long as they been operating. Please someone help me. I need my money ASAP! And they will not help me or even respond to me I dont even want a XXXX ever again i only want my money back they can close my account all they want but any not shady good business would let you withdraw your money not attempt to steal it.
Product: Credit reporting or other personal consumer reports

XXXX and Experian both have failed to respond to disputes timely. I submitted written disputes for collections. These items are inaccurately and incorrectly being reported. I want all errors to be corrected by immediate deletion and discharge.
Product: Student loan

I received a letter from Fedloan Servicing dated XX/XX/XXXX showing that my student loans have been paid off in full. 
Their website shows as of today XX/XX/XXXX that I owe {$270.00}. 
This is upsetting seeing that the company has already sent me a formal letter detailing how I have paid off my accounts in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked EQUIFAX to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies and DUPLICATE accounts on my credit report even after they said they did a full research. In Accordance with Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  # xxxxxxxxxx XXXX, XXXX # XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, all have 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 or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a car loan and had XXXX companies run a credit check on my report. This was not a problem as I approved it. However, after securing a loan the same day, I have not given my approval for any further credit inquiries. On XX/XX/XXXX2023 I received an alert on my XXXX Banking app that I had XXXX new inquiries on my credit, XXXX from XXXX Financial, which was XXXX of the financial institutes that had previously already ran my credit on XXXX XXXX. So this was the second time they ran my credit and I did not approve it. I have not tried to apply for a loan since XXXX XXXX. The second inquiry from XX/XX/XXXX was from " US BANK DS WEST '' and it happened around the same time as the XXXX  Financial inquiry. I made a phone call on XX/XX/XXXX to XXXX XXXX and they had absolutely no record of making this inquiry. They could not help me in anyway. Then I called XXXX Credit Bureau to dispute these inquiries and they had to make an account for me because apparently they could not find me in the system. I had them freeze my credit so that nobody else can check my credit without me lifting the hold. Then I called XXXX, and they said I could not file for a dispute on these inquiries until I received a inquiry deletion letter from the creditors who ran my credit without authorization. So I called US Bank, assuming that was the institution that the abbreviations stood for. They also did not have anyone who could answer any of my questions and did not seem to know anything about the inquiry, like they didnt have records of it either. They instructed me to write an email to XXXX to request they dig into it and find out about my inquiry. I sent them an email on XX/XX/XXXX at XXXX pm XXXX time and have yet to hear back from them. Today, XX/XX/XXXX, I have just received another alert from my XXXX app stating I had yet again another hard inquiry on my credit by XXXX XXXX XXXX XXXX. I did not approve this inquiry either. I don't know what to do from here. My credit keeps taking hard hits and I can't do anything to stop it and no one seems to know anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several to have documentation about what my student loan payment. I have been on an XXXX plan for 8 years and because it is showing as XXXX on the credit report the mortgage company doesnt believe that I have a payment plan. The mortgage company is trying to come up with their own payment which is placing me out of debt to income ratio. I called several times requesting a statement from XXXX  and have yet to receive anything. The mortgage lender is assuming that XXXX is there because of the Covid forbearance which I was not on.
Product: Debt collection

Visited Truist Bank to close account in XXXX 2022. Were told by a banker that the account was flagged as a fraudulent/unauthorized account. As of today, the account has been closed. Now, I am being charged for an overdrawn balance plus charge-off account fee! In addition, I received a letter demanding payment and that I may be reported to specialty check reporting agencies. This account was no opened by me. I have a police report indicating that my identity was stolen several years ago. I do not owe this money.
Product: Debt collection

I RECEIVED A CALL FROM XXXX XXXX XXXX XXXX ( XXXX ) ON BEHALF OF FIFTH THIRD BANK REGARDING DEBT WELL OVER 10 YEARS OLD.THE CASE MANAGERS WERE RUDE, ARGUMENTATIVE, INSULITING, AND USED A BULLYING TACT TO TRY AND GET WHAT THEY WANTED. I WAS TOLD GET A JOB AND PAY YOUR BILLS ; I WAS ASKED DO YOU EVEN KNOW HOW TO SPELL COMMUNICATIONS? I WAS TOLD WERE GOING TO CONTACT YOUR EMPLOYER! MY KIDS AND THIER SCHOOLING WAS ALSO MADE FUN OF! I HAVE RECORDED THESE CALLS. FEDERAL LAW HAS BEEN VIOLATED, MY HUMAN RIGHTS HAVE BEEN VIOLATED, THIS IS A FORM OF HARASSMENT AND BULLYING AND I WONT TOLERATE IT. FIFTH THIRD BANK SOLD MY DEBT TO A COLLECTION AGECNY THAT HAS MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH THIS IS UNACCEPTABLE AND A VIOLATION OF MY RIGHTS! THEY EVEN WENT THE EXTRA MILE TO SPELL OUT PAY YOUR BILLS! I DEMAND JUSTICE!
Product: Debt collection

Keep sending me collection notices for a XXXX account that ins't mine. I have been part of a family pan for yeas and sent in the paperwork to the previous collections agency and was told was closed but is now back on my credit report.
Product: Debt collection

I am writing to request a correction of the following information that appears on my XXXX, XXXX, XXXX consumer report. I don't recognize one or more of the accounts on my report.