23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Some of the inquiries were intended as soft inquiries and the other inquiries were not authorized. I would like to have these inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 7 years ago we got locked into a time share with XXXX XXXX XXXXXXXX XXXX and we sought out help to get us out the transaction. Finally XX/XX/XXXX XXXX XXXX states they will sell the timeshare and close the account. Til this day its still reporting on my credit as delinquent and numerous amount of late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy in reporting a closed account reported XXXX XXXX XXXX agency on two occasions. There is an account with Macys account # XXXX that is closed and shows last payment on XXXX XXXX XXXX. Transunion says the account will stay on the report until XXXX XXXX which would be over 10 years from first delinquency. According to the FCRA the reporting period is determined from date of first delinquency as relates to negative information reported. I have confirmed with Transunion that accounts that negatively affect my credit report are reported for 7 years from the date of first delinquency. I requested Transunion delete this information and only got a response that the account was verified which does not resolve the purpose of my dispute. 
I am concerned as negative credit has huge consequences and it seems that Transunion does not even take the time to seriously investigate legitimate consumer concerns.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fee I have incurred. Despite having sufficient funds. When transactions were authorized, I was charged fees due to lag postings of credit and charges. This issue aligns with the recent CFPB findings against Navy Federal Credit Union 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 transactions.
Product: Mortgage

Since our initial complaint # XXXX has not been resolved by Tiaa, we are making a second complaint. Tiaa will not remove their forced insurance and saying that we are seven months in delinguency. Our insurance, XXXX and we have sent Tiaa our policy and renewal several times and at Tiaa 's request XXXX and we have sent the complete payment schedule to Tiaa. With no response, we called after a week and they said they were working on it. Since, XXXX  of this yea, r this has always been their response and this working on it, is their code word- we have trashed it. At Tiaa 's request the U.S. District Judge of the XXXX District of Georgia 's bankruptcy court ordered us to make a monthly payment to Tiaa. In XXXX, XXXX and XXXX of this year, Tiaa ordered us not to make this payment along with our morrgage payment - going against the U.S. Judge 's order. Around XXXX XX/XX/15 we received a statement from Tiaa stating that we were delinquent and behind 7 months and that our next payment has to include an insurance mayment. Tiaa will probably block our XXXX payment. We ask that Tiaa remove this illegal, illicity forced insurance, not in a month, or several month, but at once!
Product: Credit card

Someone got access to my card where I use to live about a year ago and bought something with my XXXXXXXX XXXX XXXXXXXX credit card I never received or made this purchase but they are claiming I did
Product: Credit reporting, credit repair services, or other personal consumer reports

Bottom line is congress needs to step up and make freeze and thaw free under federal law. Credit monitoring is not adequate for the massive breach that just occurred at Equifax.
Product: Mortgage

XX/XX/2022. Fay Servicing failed to refinance our loan for a lower interest rate. Our credit is good. They ran our credit.
Product: Credit reporting

I have XXXX accounts that is fraudulent : XXXX and XXXX. I have requested a signed original credit application with my signature. I have not received the credit agreement with my signature as requested. These accounts have not be validated nor verified properly. This accounts is damaging to my credit score and I want them removed.
Product: Credit card

This account is invalid. SYNCB/LOWES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

SYNCB/LOWES XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my report XX/XX/XXXX noticed there are several items on my report that are being illegally reported. There are inaccuracies and inconsistencies in the reporting status listed on the accounts shown. Based on FCRA 611 ( 5 ) ( ii ) I sent in a dispute showing the inaccurate information and requested it to be deleted. I received resulted from Experian that showed to accounts " updated '' Once I looked at the updated copy of my report I noticed that nothing about the accounts in question were in fact updated. However, I notice a late payment that I asked to be reversed had changed months originally it was reporting late in XX/XX/XXXX it now shows XX/XX/XXXX I spoke with a CRS at Experian and she stated the XXXX XXXX verified there were No late payments XX/XX/XXXX based on the FCRA 611 ( a ) ( 1 ) ( a ) I sent in a reinvestigation letter and on XX/XX/XXXX I received results saying the account 'updated '' after reviewing the updated credit report there were no changes. 

This is a complete violation of the Fair Credit Reporting Action FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 611 ( 5 ) ( ii ) and I would like this information removed from my credit report ASAP
Product: Credit reporting or other personal consumer reports

I am writing to you as a victim of identity theft regarding the recent reappearance of fraudulent accounts on my credit report. Despite the previous removal of these accounts due to fraud, they have been inexplicably reinstated without my consent or notification. 

XXXX XXXX account number XXXX XXXX  account number XXXX Despite having provided evidence of fraud and securing the removal of these accounts previously, I recently discovered that they have been reinstated on my credit report without my authorization. This is not only a violation of my rights as a consumer but also a blatant disregard for the evidence of fraud that was previously acknowledged. 

I demand the immediate removal of these reinstated fraudulent accounts from my credit report. It is unacceptable that your company has replaced these accounts without my consent or even informing me of this action. This unauthorized reinstatement not only damages my financial reputation but also undermines the efforts made to rectify this situation. 

I urge you to take immediate action to rectify this matter and ensure that these fraudulent accounts are promptly removed from my credit report. Your cooperation in this matter is essential to restoring my financial integrity and protecting my rights as a consumer. 

I expect to receive a written confirmation of the removal of these reinstated fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

My name is XXXX XXXX I am not a bank of america customer. I am as XXXX women looking for a home back in XX/XX/2019 I was on a website looking for home on a rental website. I got in contact by email by a Mr XXXX. Asking him about his home he has for rent I have never done this before and he convinced me that he would rent me his home he sent me rental agreement and everything looked legit. He said he would send me keys if I go to bank of america and deposite XXXX in to this account I did and never heard from him again I contacted police department filed a report and everything I contacted bank and they don't want to return my money.they said they couldn't get into account because it wasn't mine. I just want my money I need it for a place I been paying XXXX extra because of this monthly more a month. And it's almost been 10 months and still they don't want to refund my money
Product: Prepaid card

I received notice of the " termination of funds loading capabilities on your Serve account ''. I do n't understand why my account has been effectively closed as all functions have been removed. 

I currently have over {$1000.00} and am unable to link a checking account to withdraw the funds. I 've spoken with numerous customer service, technical support, and account protection representations, but none have been able to help me in linking a checking account to withdraw my funds. 

I would appreciate my Serve account being reinstated for both loading and withdrawals.
Product: Debt collection

I received a notice via the mail on XXXX, Sent a written notice to Frost-Arnett on XXXX. In accordance with Title 15 of the United States Code Chapter 41 Section 1692, I requested validation of the debt on more than one occasion within the 30-day notice. However, Frost-Arnett has failed to provide validation of this alleged debt within 5 days of contact/communicating with me regarding the debt. Instead, they have practiced aggravated identity theft under 18 USC 1028 ( A ), by accessing my personal information without my express consent. Altering the account numbers on each notice to indicate new debt ( see exhibit A ). In accordance with FDCPA 8012 furnishing deceptive forms, the monetary remedy is owed to me. ( see exhibit A-total of violation made ). Continuing to alter forms and communicate about a debt that I do not own is considered harassment under 15 USC 1692 ( D ) ( 1 ). Pursuant to 15 USC 16819 ( b ) I never gave Frost-Arnett permission to access my personal information. I want any and all accounts deleted, removed from your system they are hereby disputed, as I am a protected consumer and I am not obligated to pay anything that doesn't belong to me. I am the consumer and according to 15 USC 1692 I do not owe any debt and I am not obligated to pay. I am an admistered agent in accordance with 15 USC 1692 ( f ) I do not own the social security card, In accordance with the code of federal regulations section 422.104 Social Security Numbers are the property of the Social Security Administration and must be returned to them upon request, therefore I am an administered agent and do not own any debt assoicated to it. Further review of the regulations can be loacted via 18 USC 8. Frost-Arnett is unable to validate this debt, in order to validate a debt it means to assess an action, I am the consumer and I am the only one that can validate a debt and this debt isnt mine and isnt true.
Product: Money transfer, virtual currency, or money service

I lost monies due to the Zelle app that my bank allows us the send funds to others for payment. Until recently there was no verification before sending funds, which means if you sent funds to the wrong person you were simply out of the money. I think that was reckless & confusing for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My old XXXX lease account was closed. 
This new lease account is not under my name
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 1681. 

Account name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Account number : 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 15 U.S.C 1681c. ( 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak-timely and effective measures to prevent : address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

In XXXX XXXX ; we sent Quicken Loans a check in the amount of {$120.00} to be put into our ESCROW account in anticipation of the ever increasing premiums for hazard insurance which would come due again in XXXX of XXXX. In XX/XX/XXXX, sometime ; a QL rep called to tell us that we had too much money in escrow and did we want her to send us a check for the excess. We told her no that we wanted the money to stay in the escrow account until the annual analysis done in XX/XX/XXXX. She told us that the money would then stay in the account. Along in early XX/XX/XXXX ; we get a call from a QL rep telling us that they were sending us a check for excess funds in our escrow account as determined by the recent escrow analysis just completed. When we told her that we did not want the funds, as we wanted them to be in the escrow account for the XX/XX/XXXX hazard insurance premium payment just in case the increase was way above a reasonably anticipated increase just like we saw in the previous year. Since we are on social security, we have to make budgetary adjustments in more modest increments so we wanted things covered in advance. 
Too late, the check was on its way ; but, we could send it back ( after cashing and depositing it in our checking account then taking a chance that QL would loose it on their end like they did the year prior ). Or, worse yet ; she told us that once we deposited the check we could call them and they would  electronically take the funds out of our account ( yeh, right ... .no visibility on our end as to where the money goes or how much ( fat finger mistakes ) until we get our bank 's statement ... .no thank you. So, we just sent the paperwork containing the unscheduled analysis and attached check back to QL. Now, through one XXXX XXXX, Client Relations Team Leader, Quicken Loans Executive Office, Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX ; they come clean that some mope decided to reschedule our annual once a year escrow analysis from XXXX to XXXX ; but, since that would have made thirteen months between analyses, they jammed this one in XXXX which of course showed no need for additional funds since the hazard insurance premium had not been billed as yet. But, we did not know what the heck was going on from what we last knew.
Product: Credit reporting or other personal consumer reports

I tried to get a copy of my data, to freeze the account and to opt out of third party sharing. The website kept giving me an error code even though my passwords met their criteria. I tried several times with different passwords all of which met their criteria and kept getting error messages. In addition, when I tried to enter my birth year the little calculator pops up and I have to manually scroll to 1953. I have a XXXX with my hands and can not use this item on their website.
Product: Debt collection

To Account Manager : XXXX XXXX. It has just come into our attention that attorney XXXX XXXX XXXX is Unauthorized to Practice Law ( UPL ) in Maryland and that XXXX XXXX XXXX has a Forfeited Existence since 2015. Also, XXXX without the XXXX does not exist in the Maryland Business Express Database.
Product: Debt collection

XXXX XXXX contacted my MOTHER and told her hes a legal advocate on my behalf, which gave her unnecessary personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my records
Product: Credit reporting or other personal consumer reports

I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my XXXX  health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX and XXXX, I am not responsible for any payments for this account. I have no business with XXXX and XXXX. I do not have a loan or contract with XXXX and XXXX or owe a debt to XXXX and XXXX is attempting to collect a debt on the basis of fraud. XXXX and XXXX has report false, derogatory, defamatory and slandering information about me to the credit Bureaus on XXXX and XXXX by which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! XXXX and XXXX decided to ignore my demands for Validation and put negative information on my credit report. XXXX and XXXX has report defamatory information about me to the XXXX credit bureau on account. Breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX and XXXX. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.
Product: Debt collection

Evening if XXXX, called stating I want proof they own a debt beyond a statement. Was told I could not receive that. 

I was asked if I would be okay with communication via text or phone call. I stated Absolutely not. 

XXXX received text with Welcome! You'll receive msgs from Resurgent Debt Collector. 
msgs varies by acct/pref Msg & DataRatesMayApply STOP to optout HELP for info. 
XXXX & XXXX 's : XXXX XXXX received text with Resurgent Debt Collector : We need to speak to you regarding your account. Log in at XXXX or call XXXX. To optout reply STOP Company is resurgent capital or lvnv funding
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.