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

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 15 U.S.C 1 681c. ( 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.

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.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account XXXX : XXXX XXXX XXXX
Product: Checking or savings account

Ive reached out to bank numerous, almost every month XXXX charge XXXX overdraft fees. XXXX numerous occasions my XXXX and money deposits didnt post immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to know that the three credit bureaus never update me to give me a feedbacks of my report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity. Be sure to present facts that these items being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to three Credit Bureaus but they failed to give me any results or feedbacks about this concern. These mentioned items should be remove immediately : XXXX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 : XXXX 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; NEW XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$120.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX & XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage loan was sold to Freedom Mortgage.   I refinanced the loan with another lender on  XXXX   XXXX ,  2017 .   My  Freedom  Mortgage statement ( online and received by mail ) shows the loan being paid off in full on  XXXX   XXXX .   On  XXXX   XXXX , Freedom Mortgage drew a mortgage payment from my bank account.   This is after the refinance was completed and my account was paid off.   My  Freedom  Mortgage statement shows that Freedom Mortgage reversed the draw on the same day,  XXXX   XXXX .   However, I did not receive the payment in my bank account, and have not received a check or other payment in the   two weeks since that date.
I have called and talked to their " customer care '' agents, checked with my bank, sent Freedom Mortgage my bank statement as requested showing that the funds were not returned to my bank account, and asked Freedom Mortgage to properly reverse the transaction and return the funds to my account.
Freedom Mortgage is telling me that they need to research what happened to the funds, and that they will have an answer fo  r me ( but will not necessarily return my money ) by  XXXX   XXXX , ano  ther two weeks. I have asked them to return my money while they research what happened to their transaction, but they have refused to do this.
I have been unable to speak to a supervisor or manager. They have repeatedly put me off, telling me the supervisors are in a meeting, the managers do n't get on the ph  one, the cash person they need to check with is at lunch, they will have to call me back.   They have effectively stolen money from my bank account by withdrawing it after my debt with them had been satisfied, and they are refusing to immediately correct this.
Product: Debt collection

Law firm XXXX XXXX XXXX filed a judgement against me without providing any correspondence /communication. Ive now received a notice of a bank levy. This firm was fined in XX/XX/2016 for operating illegally yet they continue to do so? When will they be stopped? 
I was not able to disputed nor have they validated this debt. 

Please help!
Product: Debt collection

I have been contacted by Conserve Inc. on and off by either phone or mail since XXXX of 2015, about a debt that my ex-husband assumed in our divorce. 

On XXXX/XXXX/2015 at XXXX I was contacted by phone by a woman named XXXX XXXX representing Conserve INC. After explaining my predicament, to yet another agent assigned to this debt, she advised me to write down the case # of the Conserve account and to write my full name, social security number, and include that I am not responsible for the debt, while she was telling me this, she put me on hold, came back on the line and told me she had given me false/wrong information and that I was being transferred to a XXXX XXXX XXXX . 

XXXX XXXX told me that the account has been opened for 6 months and that it needed to be settled and asked what I was going to do to settle it. I again told him that I was not responsible for the debt and asked them to either contact my ex-husband or send me original documentation. I was told in response to the documentation request that it was sent to another unknown collection agency and that to get me copies of the documentation would take too long to arrive and that I needed to settle the debt. I again informed XXXX XXXX that my name was n't associated with the loan and asked them to contact my ex-husband. XXXX XXXX then stated that when attempts were made to reach my ex-husband that he would either not answer or connect the line and not speak. XXXX XXXX insisted that I " should n't hold my breath '' waiting for my ex-husband to take care of the debt and that I should set up payments. I felt that XXXX XXXX statements were a threat directly to me, implying that I would immediately need to take care of the debt. 

I also understand that they are not allowed to discuss communications that they have with my ex-husband. Upon hearing that information from XXXX XXXX it caused me great alarm and stress. This loan is for over {$86000.00} and I feel I have worked with them and all I keep getting is threats to make them an offer. 

I have sent them a copy of all my financials and my divorce decree proving that they need to contact my ex-husband. I feel that their statements indicate that they are no longer attempting to contact my ex-husband and are only coming after me for this debt. I believe that XXXX XXXX is using scare tactics and bullying in an attempt to push me into paying a debt that is not mine.
Product: Debt collection

Recently I checked my credit and noticed I have a collection agency named LVNV Funding negatively reporting that I owe them money. I've made several attempts to receive validation that the debt in question belongs to me. My credit reports states that there was an account opened with them on XXXX XXXX in the amount of {$640.00} that is being reported as derogatory. 

The information reported by LVNV Funding is inaccurate and does not reflect my financial obligations. There is no evidence of any transactions or agreements with this company. By reporting an unverified and invalid debt to the credit bureaus, LVNV Funding has violated my rights under the FCRA. This false information has harmed my credit standing and caused unnecessary stress. LVNV Funding has not provided sufficient or valid proof of the debt, despite my request for validation under the Fair Credit and Reporting Act. Without proper validation, the reporting of this debt is unlawful and misleading. There is no documentation or contract that would authorize them to report a collection account.
Product: Money transfer, virtual currency, or money service

I have been a victim of a scam, I was offered investment services, but they turned out to be fake. I transferred the funds from my bank ( XXXX XXXX, XXXX XXXX  ) to the crypto platform ( crypto.com ) and then they were supposed to go to my trading account ( XXXX  ) but in reality, they were stolen from me. I did try to approach my bank and crypto platform but they never replied to me in satisfactorily. I provided them proof that the funds were transferred to shady wallets which could have been avoided if they acted promptly. 

I can provide all the letters I have sent and emails I got in return. 

Thank you and Regards P.S. 

All money wire is transferred from my banks to Crypto.com directly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is part of a scam organization as the external wallet reflect multiple transactions.
Product: Credit reporting or other personal consumer reports

" These furnishers continue reporting false, inaccurate information on my credit report. XXXX, Experian and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ZWICKER & ASSOCIATES FAILED TO ADHERE TO THE BANKRUPTCY DISCHARGE AND ERASE OR VACATE TWO ILLEGAL JUDGENMENT.
Product: Money transfer, virtual currency, or money service

I need the indentured trustee and address to make payment. 
Please help me get this information from Synchrony Bank so that I can make a payment. 

I gave them an application with my signature which denotes paid in full. I need consideration. I will need my application back. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete these inquiries Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

During a fight to Main XXXX, AAdvantage provided me a means to apply for a XXXX account XXXX I applied and the process was not completed because they said they needed more information. 

I tried to contact them several times and due to " pandemic '' the process was not complete, they are short in staff. 

I received a noticed that the time/window to apply ended in XX/XX/2022. So I reapplied again. 

Now I applied via online. 

The send me mail indicating I was not approved for the applicant. 
I have a credit score of XXXX the last two times I checked during the last 16 months. I also have paid existing debts that were opened. 

Note : They request to provide the amount on the house payment. If I include it, then I must include my wife 's income. All of the house is in her name and she makes all of the house payment.. 
House payment is almost XXXX XXXX/month My wife 's income is Almost $ XXXX. 
My income is $ XXXX and I do not have a house payment. 

The Citi Bank AAdvantage application is ID # : XXXX I received a denial letter printed on XX/XX/2022. 
Reason : XXXXHad submitted multiple applications. 

I have submitted multiple applications because the credit agency is not providing me a means to complete neither the first one nor the last one I just submitted. 

and my credit score continuos to be over XXXX
Product: Money transfer, virtual currency, or money service

I was scammed out of XXXX dollars and cash app did not have. Live person to talk to they gave me the run around for weeks and I didn't get my money back
Product: Money transfer, virtual currency, or money service

I invested XXXX in crypto currencies in XXXX on the platform coinbase. Since 20days i have no access to my account. They locked it for no reason. Nearly daily i write support of coinbase. First tvey asked for bankstatements and then for detailed information. Both i gave them. Since that time ( 6days ) they dont respond. Now I need my investments. Its about XXXX and nobody is able to Help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, I am entitled to dispute any information on my credit report that is inaccurate or unauthorized. 
Upon reviewing my recent credit report, I identified the following inquiries that I did not authorize : 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 XXXXXX/XX/XXXX These inquiries were made without my consent, and as such, they are in violation of the FCRA. Per 15 U.S.C. 1681n, I am requesting the removal of these unauthorized inquiries from my credit report and compensation for the inconvenience and potential damage to my creditworthiness. 
In addition to removing these unauthorized inquiries, I am requesting {$XXXX} for each inquiry as stipulated under 15 U.S.C. 1681o, which provides for damages in cases where the FCRA has been violated.

Please investigate this matter promptly and provide me with a written response detailing the actions you will take to rectify these issues. I request that you complete this investigation and remove the unauthorized inquiries from my credit report within 30 days from the date of this letter, as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where do I begin. The credit bureaus service no purpose. They are created to destroy peoples lives and there is nothing we can do about it unless someone in power takes a stand an abolish all three of the companies. Since the pandemic, my XXXX XXXX and personal life has been affected due to the Covid-19 and the credit bureaus are making the matter worse. I reported with all my credits my financial situation and how my XXXX XXXX has shutdown due to this crisis. The government has instructed the credit bureaus to not report consumers late on their credit report and they have disregard that request and my credit has dropped 250 points. I now have poor credit and I can't do anything to reverse this. I've made numerous disputes and the credit agencies keep saying it's under reinvestigation. Please hear me scream at the top of my lungs. How can these worthless folks still have jobs and they have ruined the lives of millions of people. I know I'm not the only one affected by this inhumane behavior. 

Due to the agencies reporting my creditors as late, many of my accounts were closed, the credit limit was reduced and my credit is messed up. Due to the incorrect reporting on my SSN, I was denied for both the PPP and EIDL government loan for my XXXX XXXX. The lender refuses to reconsider due to my poor credit. This undue hardship to my life is devastating. My XXXX XXXX is in limbo and my personal life is no more. I need someone to take this complaint serious and help me. I don't know what else to do. These agencies need to be held accountable for their bad practices.
Product: Debt collection

Company was deceptive in there handling of my account after saying it was not on my credit report anymore Business was deceptive in telling me that this Care Credit account was not on my credit report and not to worry about the payments anymore Consumer 's Desired Resolution : I am furious with this company who sent my account to an attorneys office after they told me this care credit account was off my credit report and not to worry about payments. This has caused me severe spikes in XXXX XXXX, XXXX pain, XXXX and XXXX. I want an apology and I want this taken care of once and for all Synchrony Bank acted in a careless manner and caused me great suffering and stress
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> To : Experian Experian Dispute Department XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Credit Reporting Agencies , I am writing to formally dispute inaccurate information on my credit report that is negatively impacting my financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, and I request a thorough investigation into these inaccuracies as required by federal law.

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes, citing inadequate investigations and other unlawful practices. These violations include : Conducting insufficient investigations that fail to properly address consumer disputes.

Reinserting previously disputed and inaccurate information without justification.

Failing to effectively notify consumers of investigation results.

These systemic issues raise serious concerns about the integrity of credit reporting practices. I am deeply concerned that my dispute may be mishandled in a similar manner.

Disputed Information : [ Clearly list the inaccurate items you are disputing, including account names, numbers ( if applicable ), and the specific errors. ] Under the FCRA, I request that you : Conduct a proper investigation into my dispute.

Provide me with a clear and comprehensible response regarding the results of your investigation.

Supply any documentation relied upon if the disputed information is verified as accurate.

Remove or correct any inaccurate or unverified information from my credit report promptly.

If the investigation determines that the disputed information can not be verified or remains inaccurate, I demand its immediate removal or correction. Additionally, I request written confirmation detailing the actions taken regarding my dispute.

If this matter is not resolved satisfactorily, I will escalate my complaint to the CFPB and other relevant agencies.

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated 30-day timeframe. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase Card has been making unauthorized monthly inquiries in my credit reports since XXXX, with the latest being XX/XX/XXXX. I have complained to the credit reporting agencies and Chase Bank to no avail. I did not authorize these inquiries and I would like for them to stop accessing my credit reports.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees. 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 accounts transactions.
Product: Credit reporting

Asked for validation about a dispute and received personal medical records. Obviously hipaa violation because I never signed hipaa release for 3rd party. XXXX