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

In a accordance with the fair credit reporting act XXXX XXXX # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've never felt more scared they come banging on my front door they call me nonstop even showed up at my place of work I've never had any business with them please help.
Product: Bank account or service

A debit card transaction appeared on my checking account for the amount of {$190.00} charged by XXXX XXXX/XXXX/2016 at approximately XXXX MDT. 
XXXX XXXX MA XX/XX/XXXX {$190.00} I contacted the card issuer, Chase Bank, and reported the fraudulent transaction.
Product: Credit reporting

additional info pertaining to active claim with ftc I have asked Transunion for copies of my original signed documentation of file to verify each of the accounts that I have listed that this info is mine and is correct per the fcra I have a right to asked the credit reporting agency for. they have stated that they have verified that the info is correct. I have asked them to send me copies and also who did they speak to and they have fail to comply with my demand this is a federal law that all consumers have the right to asked the reporting agencies for this is the law I have attached a copy of the section XXXX act per the FCRA TRANSUION IS IN VIOLATION OF THE US LAW..
Product: Debt collection

On XX/XX/2021 the law firm of XXXX XXXX based in XXXX Minnesota and licensed to practice law in Nebraska and as a debt collector was representing XXXX XXXX XXXX also a debt collector attempted to get me to pay for legal fees or interest before a judgement was first received in court. 

Federal courts have previously ruled that debt collectors can't collect attorney 's fees or interest from people without first receiving judgment from a court in a debt case. 

Im reporting them in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

National credit system inc report my information to the credit bureau saying that I owe them {$270.00} And I didnt get no notice from them or the original creditor, and I send a certified letter to national credit system inc for debt validation but the address they have on my credit report was invalid.but usps was unable to deliver the mail to them because their address was invalid, and I believe they validate my rights
Product: Mortgage

Wells Fargo Home Mortgage continues to fail to comply to and acknowledge : Affiants cease and desist request Affiants P.O.A. authorization and documentation Affiants signed and sworn and notarized affidavit Affiants lawful request of required information respondent, Wells Fargo Home Mortgage is required by law to show, prove and produce All emails, XXXX mail, supporting documents are all in affiants possession Affiants are not legal fictions, corporations Affiants are living breathing flesh and blood men and women let all assumptions and presumptions stand corrected NOW Let Common Law Jurisdiction Be established now concerning this proceeding Let the laws of equity be set forth
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX XXXX XXXX XXXX is the one in question. The amounts range from {$37.00} - {$40.00} monthly for the last several years. I have not had any late payments, since payments are automatically withdrawn. I know there has been a data breech and my information was exposed and I would like this information corrected and removed from my account.
Product: Credit reporting or other personal consumer reports

I have requested to view my FICO score through Experian on XX/XX/XXXX, and I believe I received it for {$1.00}. Then, today on XX/XX/XXXX, I got charged {$26.00} without my consent for Experian XXXX XXXX which did not even sign up for. I called the customer service today to ask them to cancel and refund me, but the customer representative said he has to redirect me to the membership team, and I got redirected to the automated service which did not understand my request. I tried reaching out to them again today XX/XX/XXXX and nobody picked up anymore.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 4 fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX  XXXX on XXXX under the XXXX account number, a credit card opened at XXXX XXXXXXXX on XXXX under the XXXX account number, an account opened at XXXX XXXX on XXXX under the XXXX account, and an account opened at XXXX on XXXX under the XXXX account number. Unauthorized inquiries, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent late payments, charge-offs, inquiries, and fraudulent collections appearing on my consumer FICO Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been Disputting my XXXX XXXX I opened this account and someone got my information and used my card, I contacted XXXX over and over, they removed the negative reporting from my XXXX report but still reporting it negative on my XXXX and Expean this is very unfair to me because Im a victim of identity theft
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
Product: Credit reporting

I disputed that the balance with Equifax.A balance incorrect on my credit report for a particular account XXXX. They are reporting that I owe XXXX but my account balance with XXXX is lss than XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been made aware of several times. I have disputed unknown inquires. Im requesting that Equifax remove this inquiry. I didnt give permission to anyone run My credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Irecentlyreviewedmycreditprofileandnoticedinaccuracies.Iam formally requesting that thesebeinvestigatedproperlywith immediacy. 

I have been disputing XXXX XXXX XXXX XXXX XXXX  inaccuracies on my credit report for the last year as XX/XX/XXXX XXXX and XXXX XXXX no longer service Student loans. 

XXXX XXXX XXXX XXXX XXXX has been reporting as a Duplicate account to XXXX Both accounts have the same account OPEN date XXXX XXXX, XXXX. 

XXXX is reporting two Separate accounts {$28000.00} and {$36000.00} adding them both together you get {$64000.00} one dollar off from XXXX XXXX XXXX  thats reporting {$64000.00} This account is not showing Disputed on my credit profile. 
This account is showing OPEN on Equifax and Closed on XXXX This account is showing Transferred
Product: Debt collection

I have written this company a debt verification letter to verify that the debt is mine they have yet to send me a letter back with debt I am victim of id theft and I have affidavit on file this company still is reporting the debt despite me sending proper documentation
Product: Credit reporting or other personal consumer reports

I demand you excluded ALL XXXX XXXX XXXX XXXX transactions/experiences from my consumer report immediately. The status, late payments are all transactions/experiences. According to 15 USC 1681 a Definitions ; Rules of Construction ( 2 ) Exclusions- Consumer Report- DOES NOT INCLUDE- ( A ) ( i ) Reports containing information solely as to transactions or experiences between the CONSUMER AND THE PERSON MAKING THE REPORT, also 15 USC 1666b Timing of Payments ( a ) time to make payments- a creditor MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE also 15 USC 1682b- Permissible Purpose of Consumer Report 15 USC 1681eb Maximum Accuracy Shall be Reported! I have disputed on numerous occasions that XXXX are constantly increasing the amounts which is effecting my credit score on a monthly basis and making it look as if the charge off had just occurred for that month, which is inaccurate reporting, how does amounts change on a dormant account? All the XXXX transactions and experiences need to be excluded from my consumer report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of t multiple fraudulent accounts appearing on my consumer report which I do not recognize as reported and which are the results of identity theft and fraud. I will list the fraudulent accounts, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX, XXXX XXXXXXXX XXXX  on XXXX account XXXX XXXX, XXXX XXXX XXXX on XXXX account XXXX XXXX, XXXX on XXXX account XXXX XXXX, XXXX XXXX on XXXX account XXXX XXXX. These accounts have resulted in several fraudulent inquiries, collections and charge offs on my XXXX credit report. I demand that the aforementioned fraudulent items be removed from each consumer credit report and all the collection activity related to said items cease pursuant to my rights within the FCRA and the FDCPA laws. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.
Product: Credit card or prepaid card

In XXXX I started getting charges that I didn't make on my CITI CARDS account. I reported them and they were taken off my bill. At that time, I was given a new card with a new account number. 
This year ( XXXX ) I started getting the same kind of charges to the account. Companies that I had never done business with or heard of. I reported them to CITI CARDS and assumed everything was taken care of. When I started getting billed for them again, I made numerous calls to CITI CARDS to no avail. During this time, I destroyed the card and cancelled the account. This week I have made 2 calls ( each lasting more than 45 min ) and have been transferred many times, with each transfer the connection gets worse and worse and more garbled. 
The charges were : XXXX {$37.00} and XXXX  {$37.00}. As of XX/XX/XXXX the total billing is XXXX with additional fees. 
Account information : CITI CARDS XXXX XXXX XXXX XXXX XXXX XXXX Account Num. ending in XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a wire transfer of CHF XXXX from my bank account in XXXX to my bank account in the US, electing to send the money in CHF and have the receiving bank handle the rest. There was a CHF 3 fee for this service on the XXXX  side, meaning that the amount deducted from my account was CHF XXXX and the amount wired was CHF XXXX. 

On XX/XX/XXXX, {$2900.00} was deposited into my Flagstar bank account. Talking to Flagstar, the amount of money received after fees was CHF XXXX, meaning that my money was exchanged at a rate of {$1.00} per CHF. 

Official exchange rates on XX/XX/XXXX and XX/XX/XXXX were {$1.00} per CHF, meaning that I should have received {$3000.00}. Compared to the {$2900.00} I actually received, this is a difference of {$78.00} in addition to the CHF XXXX  I was charged in fees.
Product: Credit reporting or other personal consumer reports

BEST EGG {$29000.00} I Disputed that this account with BEST EGG was fraudulently opened, along with my bank assistance. & once I got the company to finally closed the account. They did a write off of the account a year later but attached it to my credit report with a balance of {$29.00} XXXX. XXXX XXXX XXXX have been no help with the dispute of it showing on my credit report
Product: Student loan

Received a notice of repayement on student loans. I have tried to do an income driven payment plan, a XXXX XXXX XXXX XXXX application but the website is not allowing me to do so. Since Mohela has taken over it has been very difficult to get anything processed. I get several pieces of mail from them and the terms of my loans keep chanigng. The payment amounts keep changing. They have not processed the PSLF that I submitted in 2023. They are very difficult to deal witht and do not provide clear information on how to go about reducing monthly payments. They keep shifting my loans to a new platform or new provider. I'm so confused on what I need to do to make sure I'm keeping my loans in good standing. They have been very diffictult to work with.
Product: Credit reporting or other personal consumer reports

reportting account that are not my accoutns, reporting Inquries that are not my inquried and alod report latepayments on my crefit report causing my credit to refect a negative report, it also has cause hardship i am unble to use my credit due to Identity theif i can not get approve to get a home its reflecting negative where i am unable to get employment i contacted each account that i disputed and after the credit bruals do they investagation they senda letter stated all accounts are verified which is inccorect i'm demanding that account listed be removed.
Product: Money transfer, virtual currency, or money service

I have provided Cashapp with the correct information, police report, screenshots, emails, and phone calls. I can not get any help from them. No refunds, no emails other then they deny my claim with no explanation. Please help me receive my refund back. On XX/XX/year> at XXXX pm, I transferred my paycheck from XXXX to Cashapp to pay my bills and within minutes, someone from XXXX ( screenshot proven ), bought XXXX with it. I immediatley filed a claim with Cashapp, but they will not help me. 

XXXX XXXX XXXX
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 items 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 : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
Product: Checking or savings account

I went into a Wells Fargo branch in XXXX, KS yesterday XX/XX/2018. It was the location at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. 

I showed my drivers license and the personal banker called you guys and was put on hold. Now that I am verified, please unlock the account and allow me to have access to the account in its entirety. Thank you
Product: Credit card or prepaid card

On XXXX XXXX at XXXX XXXX  someone setup up online access to my acct. minutes later my pin # was changed then at XXXX XXXX  {$2000.00} was withdrawn from my account by XXXX and deposited into a personal checking acct, Non of this was done by me, in fact i had eft this card in my desk drawer and was gone from my home from XXXX, XXXX until XXXX when i tried using card and was unable to first because of changed pin and then because of balance. I contacted US Bank and informed them and started dispute claim. I was told i would be sent forms and i filled them out and sent them immediately back and was told it could take up to 4 weeks. I waited 5 weeks and heard nothing so i called and was informed my claim had been closed because they found nothing suspicious. I was very upset and was told i needed to file a police report before it could be reopened, On XXXX XXXX i filed a police report and then was told i needed to wait for it to be completed and make an apt with sheriffs office, pay {$25.00} and request a copy and it could take up to 4 weeks to receive.On XXXX, XX/XX/XXXX and again on XXXX! XXXX this report was faxed to USBank , I have no way of knowing if they have received because the only thing they will tell me is if they havent and on the first 2 dates they said they didn't? I have done everything they have asked me to do, have spent hours on hold, have requested the documents that they made there first decision on and have never recieved..
Product: Credit reporting, credit repair services, or other personal consumer reports

Scratch Financial in XXXX XXXX opened a line of credit using my name and social security number for another person. The loan has become past due and it is being reported to XXXX on my credit report. XXXX has lowered my credit rating. Scratch Financial will not clear up my credit unless I give them a loan ID and file a police report of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX TX XXXX RE : Notice of Lawsuit To Whom it may concern : Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.

Pursuant to 15 U.S. C. 1681n - Civil liability for willful noncompliance. This is a DEMAND FOR MONETARY RELIEF as prescribed by law for EXPERIAN violating the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. 

I filed a CFPB Complaint under ID # XXXX against Experian concerning incorrect, inaccurate, incomplete, and misleading information on my Experian consumer report. 

Experian is in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaint due to the fact that they violated 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ). I had already disputed the two accounts several times in the past, so, therefore Experian does not get another 30 days to reinvestigate a previous dispute. 

EXPERIAN has failed to meet its statutory obligations and is knowingly and willfully providing false, inaccurate, incomplete, and misleading information on my consumer report. This has resulted in damage to my reputation, character, and credit worthiness. 

According to the FCRA Experian was required to conduct a reasonable reinvestigation of the disputed information as I requested per U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA. ACDV form is not sufficient as per the above sited laws. 

On XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX ruled that XXXX ( Experian ) can not only use ACDV forms to verify consumer disputes. The Court stated that ACDV forms are not deemed as a reasonable investigation as a matter of law. 

EXPERIAN has not conducted a proper reinvestigation of my disputes as mandated by the FCRA. EXPERIAN has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed information must be DELETED from my Experian consumer report within 5 days of receipt of this NOTICE. 

EXPERIAN is engaging in fraudulent, deceptive, and unfair business practices by violating my Consumer Rights, the FCRA, The Comprehensive Consumer Credit Reporting Reform Act of 2016. 

Pursuant to 15 U.S. C. 1681n - Civil liability for willful noncompliance. This is a FINAL NOTICE that I will be seeking MONETARY RELIEF as prescribed by law for EXPERIAN violating the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. 

This false reporting by Experian constitutes a violation of my rights under the Fair Credit Reporting Act 604. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed accounts must be DELETED from my Experian consumer report.
Product: Credit reporting or other personal consumer reports

This issue is regarding the reporting of student loans on my credit report because they are a clear violation of my rights under 20 USC 1232g - the Family Educational Rights and Privacy Act ( FERPA ) and the provisions of the Privacy Act of XXXX. I believe that my request for removal of these student loans from my credit report aligns with my rights as per 20 USC 1232g, which states in part, " No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of releasing education records ( or personally identifiable information contained therein, other than directory information, as defined in paragraph ( XXXX ) ) of students without the written consent of their parents to any individual, agency, or organization. '' Furthermore, Section XXXX of the Privacy Act XXXX provides individuals with the right to access their records and request amendments if they believe that the data is inaccurate, irrelevant, untimely, or incomplete. Specifically, it states that, " Each agency that maintains a system of records shall ... maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to ensure fairness to the individual in the determination. '' As a federally protected consumer, I have the right to have the correct information reported accurately on my report and Experian, XXXX, and XXXX ; by way of XXXX and the Department of Education, have been misusing my credit file by reporting my student loans, without my expressed written consent. So per the FCRA  and 15 USC 6802e ( 2 ), because they do not have my consent, I am opting out of them reporting student loan information on my credit report, effective immediately.