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

In XXXX I disputed 2 student loan accounts, both opened in XX/XX/XXXX, that showed I had 8 late payments. I disputed these late payments with Experian but have never heard back from them. Then in a recent review of my Experian credit report I find that these late payments are still reflecting on my credit report. When I contacted the Dept of Ed they told me that I had to dispute these late payments with the credit bureaus. I did what I was told and no results!
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

To Whom It May Concern, I am writing to formally file a complaint against Navy Federal Credit Union concerning the denial of my fraud claim, despite providing substantial evidence to support my claim. I believe that my case raises concerns about the handling of fraud claims by the credit union, and I am seeking assistance and intervention from the Consumer Financial Protection Bureau ( CFPB ). 

On XX/XX/2023, I received a denial notification from Navy Federal Credit Union regarding my fraud claim. This decision came after I promptly reported an unauthorized transaction on my account and provided what I believe to be ample evidence, documentation, and context to substantiate my claim. However, to my great disappointment, my claim was denied without a comprehensive review of the evidence I had provided.

I am deeply concerned that my case, which involved an unauthorized and potentially fraudulent transaction, was dismissed without proper consideration of the evidence. This situation has left me feeling unsupported and unsure about the fairness and transparency of the resolution process at Navy Federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 
There are fraudulent accounts on my profile that need to be removed immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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

Early Warning Services LLC   XXXX   XXXX   XXXX  ACCT #  XXXX  Incident Date: XXXX /2013 Contributing Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner.   The actions of Early Warning Services , LLC are being reported negatively and prevents the opening of bank accounts and loans ; even though the agency has not been able to provide proof of documentation of the alledged incident.
Product: Money transfer, virtual currency, or money service

my friend has been sending me {$2000.00} from his bank ( chase ) by using XXXX  to my bank ( chase ) on XX/XX/year>. But I still didn't receive the {$2000.00} until today. I'm pretty sure the bank account and name is correct and it won't be sending to anyone else. So the problem is, the money is gone, I don't know where the money went to. My friend already sent, the money is sending out, but I didn't get the money.
Product: Mortgage

I have had a mortgage loan with Ocwen/PHH for several years and in XXXX of 2020 decided to refinance due to lower interest rates and better loan terms. The loan was a modification and was an interest only. The loan amount owed is {$590000.00}, therefore, a jumbo loan. The monthly payment was {$2700.00} which included taxes and insurance. The title company, XXXX XXXX wired {$600000.00} to Ocwen/PHH on XX/XX/2020 and escrow closed on XX/XX/2020. However, I was advised by XXXX XXXX in XXXX, AZ ( Escrow officer on XX/XX/2020 ) that the funds had been rejected and returned by wire transfer from Ocwen/PHH due to the property tax shortage. They held {$600000.00} for 14 days and did not alert me, the title company or my mortgage broker. Now they are saying that I owe them {$1200.00} and some change in interest because of the so-called shortage. The tax impound amount was wired to Ocwen/PHH along with the payoff and confirmed receipt by the title company on XX/XX/2020. They ( Ocwen/PHH ) have yet to request the return of the payoff and now I have two huge mortgages outstanding as the {$600000.00} was sent back to the title company and the new loan payment from the new lender is due on XX/XX/2020. Why did they hold the payoff, {$600000.00} for 14 days and did not advise anyone of their error until XX/XX/2020. They have not reconciled this situation as yet and I feel as though there may be some underlying reasons for this. In the meantime, my credit rating is in jeopardy and still show that I have two mortgages as the title company is in possession of the {$600000.00}. Please investigate this as something is appears to be seriously wrong. I am a senior citizen and certainly can not afford to be the victim of their wrongdoing and/or error.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was inaccurate. I also found inquiries that I don't recall giving permission. The following needs to be investigated and be corrected for erroneous reporting in my file : XXXX XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate this information I am submitting, I've gotten nowhere sending in disputes via certified mail notarized documents and fax. Please block and or delete this information from my credit reports. When I call I get outsource to XXXX or XXXX, my items come back verified electronically. I just want an actual person to read and respond to me, its very frustrating to have my information compromised, and have to go back and fourth for so long and still not get results.
Product: Credit reporting or other personal consumer reports

I am writing to assert my rights under the law and demand the immediate deletion of inaccurate information from my credit report. 
Specifically, I am referring to the entries attributed to ALDOUS & ASSOCIATES, which are erroneous and violate my consumer rights, particularly because I have never engaged in any contractual agreements or transactions with this entity.

These entries are in violation of 15 USC 1681 ( a ) ( 2 ) ( 1 ), which mandates consumer reporting agencies to maintain accurate information obtained with the written consent of the consumer. I have never provided written consent for any dealings with " ALDOUS & ASSOCIATES. '' Furthermore, the presence of these erroneous entries not only infringes upon my privacy rights under 15 USC 1681 ( a ) ( 2 ) but also reflects a lack of diligence and fairness on the part of the reporting agency. 
I hereby waive the requirement for further investigation and demand the immediate removal of these inaccuracies from my consumer credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I would like to request LVNV remove two items off my credit report that I know nothing about. One amount is for {$1900.00} and the other is for {$1400.00}. I do not owe this debt to them and know nothing about this.
Product: Checking or savings account

I am aware I was violated too many times to count. As a natural person who is federally protected. I am notifying you that you have helped damage my name and my reputation and my life due to financial burdens that you have chosen to ignore and overpass negligently. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such. The truth and lending 15 U.S. Code 1607- Administrative enforcement- " ( C ) a willful violation which was intended to mislead the person to whom the credit was extended. Notwithstanding the preceding sentence, except where such disclosure error resulted from a willful violation which was intended to mislead the person to whom credit was extended, an agency need not require such an adjustment if it determines that such disclosure error -- ( A ) resulted from an error involving the disclosure of a fee or charge that would otherwise be excludable in computing the finance charge, including but not limited to violations involving the disclosures described in sections 106 ( b ), ( c ) and ( d ) of this title, in which event the agency may require such remedial action as it determines to be equitable, except that for transactions consummated after two years after XX/XX/1980, such an adjustment shall be ordered for violations of section 106 ( b ) ; '' With that in mind, YOU HAVE VIOLATED MY RIGHTS AND ABUSED YOUR USE OT ACCOUNT ACCESS AND WITHDRAWALS AND FINANCE CHARGES.

Directly quoted from YOU standards of overdrafts fees : " We wont charge an Insufficient Funds Fee if your account balance is overdrawn by {$50.00} or less at the end of the business day.

We wont charge for item ( s ) that are {$5.00} or less, even if your account balance is overdrawn by more than {$50.00} at the end of the business day.

We wont charge an Insufficient Funds Fee if your available balance was sufficient at the time your debit card transaction was authorized, even if your account balance is overdrawn at the time the transaction is presented for payment. '' You have throughout my time of using your corporation have charged me overdraft fees that you were not legally supposed to charge. I am requesting all overdraft fees be refunded by to my account. My account has been charged when less than {$50.00} has been over drafted and SO MANY RIGHTS that have been violated using YOUR standard overdraft protections according to the FDIC and TILA.

As per congress, you violated me, your corporation is criminally liable pursuant 15 usc 1611 because your corporation willing knew that you were complying to a transaction that is fraud.

I am demanding the following : - refund and return all the overdrafts that was charged to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian closed the account as lost or stolen this card was n't lost or stolen.This account was open without my knowledge.XXXX XXXX is a complete fraud and ive contacted them and they still not assisting me with resolving this issue
Product: Debt collection

I XXXX XXXX XXXX, had negative and false and misleading information reported to my consumer reports all XXXX including XXXX XXXX and XXXX by Jefferson capital systems, on a collection of an alleged debt by, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. It became an INVESTMENT when it was first sold and that XXXX XXXX had knowledge it was A alleged BAD DEBT. No UCC XXXX liens to prove alleged debt. Request books of accounts of credit pursuant to IRS XXXX to verify and validate. NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. XXXX CODE XXXX False and Misleading Representations XXXX code Notes/ A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( XXXX ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which XXXX be lawfully received by any debt collector for the collection of a debt. XXXX. The false representation or implication that any individual is an attorney or that any communication is from an attorney. I demand that you delete these false reporting off my consumer reports XXXX, XXXX, and XXXX, immediately or I will sue you in a federal venue XXXX XXXX by jury And I further cease and desist any communication attempts and reporting from you on my consumer report ucc XXXX upon this notice you have been notified
Product: Credit card or prepaid card

Capital one took an unauthorized payment of {$1600.00} out of my bank account on XX/XX/2019. Capital one admitted to my bank, XXXX XXXX, and asked for a letter to return the funds to my account. Now they are saying they will not give the money back after admitting the payment was unauthorized. Capital one contacted my bank on a 3 way call numerous times on a recorded line and admitted that the payment was unauthorized. This has happened 3 or 4 times to my account because capital one has no security and let 's anyone call and make changes to the account. I had a password but capital one removed it.
Product: Credit reporting or other personal consumer reports

I am writing because I have probable cause to believe that I am a victim of identity theft because I have pulled copies of my credit report on Experian, in XXXX of XXXX and have found unauthorized accounts removed from my credit report. 

According to consumer law, 15 USC 1681B, all unverified information reporting must be removed.

In addition, I'd also like to mention consumer law, 15 USC 1681b ( 2 ), which states that any negative item that a company reports without my written consent is considered identity theft. 
These inquires do not have permissible purpose to have been furnished on my credit report. 
The inquiries that are in violation of these laws have been listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have also attached my FTC report below.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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. 

XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My navy federal account was hacked through a phished email, immediately called the fraud department and reported the hacking and told them the pending deposited check was not deposited by me, they stated theyd freeze my account and cancel the deposit. They never canceled the deposit, it went into my account and I spent it, got a call that I owed due to the fraud check, I repaid the money back and a few days later my account was placed on a level nine hold, I could no longer use my debit card, atms etc. navy federal also provided me with a copy of the check that was clearly not signed nor endorsed by me, also stated that they could see my account was hacked by someone in XXXX and refused to unlock and reinstate my account. Further more they also placed a false negative consumer report about me and has made it so that I can not open any bank account making life difficult
Product: Credit reporting, credit repair services, or other personal consumer reports

On transUnion File XXXX and date issued XX/XX/2018. 
The Names reported were XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
I am XXXX XXXX XXXX XXXX- I am NOT XXXX XXXX XXXX XXXX 

t The report shows telephone numbers that are wrong XXXX XXXX, XXXX XXXX XXXX the report shows the following wrong addresses.Addresses that are incorrect XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX, XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX, I live in new York and I want to report a Sterling National Bank customer who wants to take advantage of me. 

I posted XXXX XXXX on XXXX for sale and someone by name XXXX XXXX reached out to me to buy my laptop. 

Since we both live in new York, she came to my address in XXXX to pick it up and said she would pay through her card. I needed cash but she declined and she sent the payment using er debit card to a fundraiser I was running for my cousin " XXXX XXXX XXXX ''. 

She sent the payment in tranches and then picked the laptop and left. 

As part of documentation to avoid chargeback, I asked for her ID which she submitted a scanned copy in my shop for a proof that she made the payment. 

The reason why I am making this report is that yesterday, XXXX XXXX called me on phone and threatened me that she will report the transactions as unauthorized to her bank so that she can get the money back and leave me in negative. 

She said she has been doing the same to other online sellers. 

So I am making this complaint officially to her bank to be aware that the charges were authorized and they should be aware of XXXX XXXX fraudulent life with online sellers. 

I will submit her photo ID here as a proof including a selfie of her holding her ID which I told her to send a copy as a proof. 

Her email is XXXX and her phone number is XXXX The card she used in my online shop to pay me when she visited me ends with XXXX and is a XXXX
Product: Mortgage

I have attached the mail to this. I NEVER requested a reverse mortgage, nor information on XXXX. I do NOT want XXXX. I'm worried that this company will try to create XXXX on my property. I tried contacting the company and their phone number was out of service. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I received a collections notice from The Thomas Agency on behalf of XXXX XXXX XXXX XXXX on XX/XX/XXXX, notifying me of a debt in the amount of {$680.00}. I disputed this debt via letter on XX/XX/XXXX, but never received a response. In XX/XX/XXXX I went to apply for a personal loan through my bank, and was not approved due to this outstanding debt on my credit report. I contacted The XXXX Agency via phone on XX/XX/XXXX, and was told that they had mailed me a copy of the itemized invoice for my debt shortly after receiving my letter in XX/XX/XXXX. I reported that I had never received this documentation, and after verifying The XXXX Agency had my correct mailing address, requested another copy sent to me. The XXXX Agency reported they would mail me another copy ASAP, which I never received. I filed complaints against The XXXX. Agency and XXXX XXXX XXXX XXXX  with the Consumer Financial Protection Bureau on XX/XX/XXXX, but never received a resolution. On XX/XX/XXXX I received a letter from the The XXXX. Agency, including an itemized invoice from XXXX XXXX  XXXX XXXX showing an outstanding debt of {$440.00}. I contacted The XXXX Agency again via phone on XX/XX/XXXX, and was told the debt is in the amount of {$680.00}. I disputed this, as it did not match the documentation I received and it took almost a full year for me to receive this information. The XXXX. Agency told me it took so long because they did not hear back from XXXX XXXX  XXXX, despite my previous phone call in XX/XX/XXXX when a representative confirmed that the information was mailed to me. The XXXX Agency also said that they would be reaching out to XXXX XXXX XXXX again to address the discrepancy in the amount of the reported debt, and they would get back to me. In the meantime, they will put a hold on this debt being on my credit report for 60 days while the matter is investigated. They said that if I did not hear from them within this time frame I should try following up. This issue has debilitated my financial well-being for almost a year now.