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

I contacted my bank once I realized I was a victim of fraud and tried to get them to cancel a transaction but was advised I had to wait until the charge cleared to complete my fraud claim. I thought I was investing in bitcoin mining only to find out it was a scam the next day after sending the funds to the scammers. Navy Federal has a zero liability policy that states a customer can be covered for transactions they didnt authorize or benefit from. When I was finally able to put the claim which didnt happen until 5 days later. the representatives made me feel as if I would be to get my funds back because of the aforementioned policy and I asked specifically if by me initially authorizing the payment would that prevent me from being covered they advised no. A week or so late I get a letter saying my claim was denied because I authorized the transaction which was never information that they didnt know as I told them I initiated the transactions but found out I was being scammed. After speaking with another rep she advised me that they shouldve put my claim in as a dispute and not fraud and stated I should submit another claim but as a dispute and not fraud. Several weeks later they come back with the same decision this time stating that I was charged for the amount I owed after receiving merchandise or a service which I havent received the scammers have my money. I sent screenshots of the conversation between me and the scammer and screenshots showing the website the scammers gave me thats is now down. I was a victim of fraud and Navy Federal has come to 2 decisions that is doesnt support the documentation I sent to them. Ive been banking with them for several years and when Im a victim of fraud they totally disregarded it.
Product: Credit reporting or other personal consumer reports

Date of inquiry : XX/XX/year> Name of creditor in inquiry : XXXX XXXX I requested from credit bureaus XXXX, Transunion and XXXX to provide permissible purpose on file, they did not provide the proof of credit inquiry.
Product: Credit reporting or other personal consumer reports

Transunion has allowed a debt collector to place a collection on my report for XXXX XXXX. 
I have tried to dispute this with Transunion, but they refuse to do anything about it. 
I have stated several times I have never had XXXX XXXX XXXX  and the last time I had any XXXX XXXX XXXX  was XXXX and have not had it since. I am appalled at the fact Transunion allowed this to be added against me with NO PROOF OF DEBT being given for it. I challenged this debt because I know for certain there is no proof because I have not had those services, nor did I ever order any. Now I do not know if my ex wife attempted to open anything after our divorce with XXXX XXXX but I never did and she is not my problem anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX writing to your company to bring to your attention a matter concerning my EXPERIAN consumer report from XX/XX/2023 and I believe that equitable remedies are necessary to rectify the situation. I have identified XXXX  instances where XXXX  are willfully, inaccurately, and unlawfully reporting that the following accounts are negative without furnishing XXXX  proof of verification of these alleged debts nor that XXXX  followed all laws and regulations under the FCRA to report them therefore you must REMOVE XXXX  negative accounts and adverse remarks as they are causing unjust harm. 

XXXX XXXX asserting my rights under exclusive equity and XXXX  seeking equitable remedies to address the harm caused by your company. Please be aware that all negative accounts and remarks found on XXXX XXXX report are violations of the FCRA therefore in addition to having said accounts removed, I have also attached an invoice for statutory damages for each violation.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2023 Time : XXXX am until XXXX pm Through XXXX using Zelle I put on XXXX XXXX that I was selling my Beats Wireless Headphones for {$130.00}. This women XXXX XXXX contacted me and said that she was interested and if they were still available. Proceeded to tell her that they were and asked where she lived. She said she lived in North Carolina and that she would pay the $ XXXX {$15.00} in shipping. Asked for her address and everything. She wanted to pay through Zelle, which I am not familiar with but I do have XXXX and I went through the app to use it. She proceeded to tell me that it went through but then got an email saying she needed to send me {$300.00} more to upgrade my Zelle account to a business account. She did that and then I had to refund her {$300.00} back since I only asked for {$140.00}. We both got emails saying that the {$300.00} wasnt enough to have my account upgraded and need {$500.00}. She sent {$500.00} and then I had to go in and refund it. Both then got an email saying the Zelle team have received the {$800.00} and that the processing and verification will take 1-2 hours to take effect to my account. It never did, I am out {$800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no. 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Transunion on XXXX XXXX asking that a Federal Tax lien dating back to 2010 be removed as it exceeds the maximum 7 years which a derogatory items can be shown on the credit report. I got no response and a recent credit report shows no change.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed thad I had deferent late payment on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accurancy I have never been late on payments for the ACCOUNXXXX XXXX XXXX XXXX XXXX XXXX PLEASE INVESTIGATE and provide proof with statement showing that these payment were late if proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER LATE THANKS
Product: Credit card

In XXXX XXXX, I discovered a fraudulent account opened in my name while reviewing my credit report. I immediately froze my credit with all three credit bureaus and contacted Capital One on XX/XX/XXXX. They acknowledged that the account was opened using a phone number and address that did not belong to me and assured me they had closed it. However, I never received any written confirmation of this closure. 

Despite the account closure, my credit score was initially restored. However, on XX/XX/XXXX, I encountered further issues while attempting to create an online Capital One account for my recently transferred Kohl 's card. I had acquired the Kohl 's card on XX/XX/XXXX, and it was transferred to Capital One on XX/XX/XXXX. 
Upon trying to sign in to the Capital One online account, I discovered that an account already existed under my name. The system accepted my Social Security number and date of birth, allowing me to add my phone number to recover the account. I was unaware of this existing account and its associated username. 

It was at this point that I discovered the fraudulent Capital One XXXX card was still open with a pending balance. Additionally, two bank accounts that did not belong to me were linked to the account. I have never had an account with " XXXX XXXX, '' one of the banks listed. 

The fraudulent account was opened using the address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is a commercial address, not a residential address, and it further indicates the fraudulent nature of the account. 

Given that Capital One had access to my correct contact information due to the Kohl 's card transfer, it is perplexing that they allowed the fraudulent account to be opened. This raises concerns about a potential data breach at Capital One or internal misconduct. 

On XX/XX/XXXX, I noticed a decline in my credit score. When I contacted Capital One, a supervisor named XXXX ( employee ID : XXXX ) threatened me with financial consequences if I did not pay the fraudulent charges. He refused to provide any further information or explanation regarding their investigation. 

I request a thorough investigation into this matter and appropriate action to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting - XXXX XXXX and XXXX XXXX Im XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX and XXXX XXXX on my address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX and and XXXX XXXX. I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 
Thanks, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a pubic record that remains on my XXXX report. It is not me or associated with me in any way. The address doesn't match any address I've ever lived. 
This is a mix up of records and is interfering with my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am writing u because my whole credit file is fraudulent as I have never had a credit card nor have I ever applied for credit nor have I ever had any type of delinquency please remove everything including credit cards credit inquiries and delinquencys because they are all fraudulent I found out about this because the IRS said that someone filed a ax return in my name which is fraud so please remove all associated with me name. My name is XXXX XXXX
Product: Checking or savings account

My business acount was closed XXXX last year, and the remaining funds ( {$14000.00} ) have been held by XXXX ever since. I have called at least twice a moth in order to get a response or update, or to provide any necessary information and I have not got a single responce. I have also visited the local branch in person and require to speak to the manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account was opened by XXXX XXXX for work estimates on capping a tooth. On XX/XX/XXXX XXXX XXXX charged Comenity CapitalXXXX XXXX XXXX XXXX account fraudulently prior to any work being done or checking what was covered with my insurance. I never received information from Comenity Capital and do not know account number. I sent a letter XX/XX/XXXX explaining the account was fraudulently charged. I also included that if there was further contact they could use my home address or email. They continued to call 6/7 days a week. The response was if I disagree with insurance coverage I need to contact my provider to discuss errors. 
On XXXX XXXX, XXXX I received a call from XXXX at Comenity Bank, ext XXXX, transcript-Good afternoon this message is for XXXX XXXX my name is XXXX I'm calling on XXXX I'm calling from XXXX XXXX XXXX to get the name and number of the attorney representing you for XXXX XXXX  XXXX please return my call today at XXXX extension XXXX please have your attorneys information available at the time of your call if you do not have an attorney and I have many options available for your assistance that you would need to return my call today before I leave my office at XXXX central once again XXXX the number is XXXX extension XXXX thank you and I hope to hear back from you soon have a great day. I was at work and did not receive the voicemail until after XXXX XXXX. 
On XX/XX/XXXX I paid the {$560.00} that was charged to the account without my permission. I dont feel I should be required to contact an attorney or pay any additional money that the company has continued to add. I would like to threatening voice mails to cease also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I exercised my rights using 609 ( a ) ( 1 ) ( A ) and 611 ( a ) sections of the fcra. The company did not comply with the laws and they said they verified my accounts through a third party wich is not a physical verification. I contacted the original furnisher and they said that information is not reported to the credit reporting agencies by them. And if there are requests by me to get them to verify information is inaccurate in the court systems, they must request the court to evaluate whether the information is correct and that did not happen. There would be documentation sent to me by the court that the verification took place and it did not. I will enclose a letter from The court that show my information is not being physically obtain and Transunion is violating my rights to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

Clients received a loan modification. Due to error in dating by servicer client was delayed in signing agreement. Once documents were signed and delivered client received multiple payment amounts. Client received payments back in XX/XX/XXXX unaware that they were back in foreclosure proceedings. Clients have been trying to resolve issue since XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a complaint yesterday though CFPB and now it has gotten even worse. The company I placed the complaint on has appointed a man named XXXX XXXX to my complaint. I have asked him respectfully to add my number to their internal DO NOT CALL list and to stop emailing me. He insist in not doing so until I give him ALL the numbers I 've been getting calls from. It is difficult to give him all the numbers I 've been called from when the cell phone they call me to is my work cell and I do n't save the numbers that call me. Please, make them leave me alone. Their continued calls and emails are give me XXXX XXXX and causing XXXX XXXX.
Product: Mortgage

Our mortgage lender short paid our property taxes. 
XX/XX/XXXX - property tax due date XX/XX/XXXX - property tax short paid by mortgage lender XX/XX/XXXX - property owner notified by county tax department of unpaid balance XX/XX/XXXX - property owner provided written notice to lender of unpaid balance and requested written verification of successful tax payment XX/XX/XXXX - property owner called lender, lender verified receipt of owner 's request to pay balance due XX/XX/XXXX - property owner received marketing call from lender to refinance and take advantage of equity. I requested status update for unpaid property taxes and was transferred to a different attendant who confirmed receiving my request to pay unpaid taxes. 
XX/XX/XXXX - property owner confirmed through county tax department that tax was still unpaid. 
XX/XX/XXXX - property owner contacted mortgage lender for status update. Lender stated that internal departments were processing my request and confirming amount of unpaid balance. Lender stated their target payment date of XX/XX/XXXX. Property owner stated XX/XX/XXXX as unacceptable. Property owner was transferred to escalation department. Lender attendant stated they would attempt to resolve sooner than XX/XX/XXXX and would contact me after 3 days to provide status update.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX this account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is showing false and inaccurate information. Your driving information has changed. 
The information you entered during your quote does not match the information we found on your driving reports ) : XXXX XXXX XXXX XXXX - Not at Fault on XX/XX/XXXX Entered in quote, listed on XXXX  Accident - At Fault on XX/XX/XXXX Listed on XXXX XXXXXXXX XXXX  over {$1000.00} on XX/XX/XXXX Listed on XXXX XXXX - At Fault on XX/XX/XXXX Listed on XXXX XXXX - At Fault on XX/XX/XXXX Listed on XXXX XXXX XXXX {$1000.00} or less on XX/XX/XXXX Listed on XXXX I reported my identity stolen and showed the XXXX police report number XXXX and ftc number XXXX as well and all of this needs to be deleted. It is ruining my insurance rate.
Product: Credit reporting or other personal consumer reports

As a consumer I am exercising my rights under 16 cfr 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time Today XX/XX/2024 I am opting out [ 15 U.S.C. 1681b ] Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) PRIVACY OBLIGATION POLICY It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers Nonpublic personal information.

( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available +information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.

( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Checking or savings account

{$2500.00} has gone missing from my savings account after an ACH bank to bank transfer was initiated. 

2 trial deposits were first received at my XXXX XXXX XXXX and then a they were removed, proving that the routing number and the account numbers were correct. These were processed on XXXX, the same day the ACH transfer went missing. 
Another ACH transaction was stopped on XXXX. 

I have been calling their online phone number for the last 2 weeks  with no progress, just a run-a-round. Spent an hour on the phone on XX/XX/2020 and paid a driver to visit the branch in-person. Spent 2 hours talking to the branch manager. He called a bunch of internal people with no result. I asked for the money to be replaced in my account and they would not do that. 

They basically stole the money from me. I want them to refund the stolen money and the guilty parties fired or put in jail!!! 
Thank you.