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

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX, EQUIFAX, and XXXX are require to remove any items which were opened without my knowledge, consent or authority. This complaint is to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX XXXX : {$470.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00}
Product: Money transfer, virtual currency, or money service

I was cash apped XXXX . To cash out instantly which is the method I chose they charged me XXXX $ and some change which made the amount come down to XXXX which was deposited into a closed bank account. Now since I chose XXXX XXXX out method cash app said there was nothing they could do and to call the bank. So I called the bank and spoke to them I was told a number of things basically given the run around. Either a check shouldve been cut or the funds should have been refunded back to the cash app account. No the funds were not returned its been almost 3 weeks since and I havent heard from either the bank or cash app about where my money has gone. This transaction happened late Saturday evening around XXXX XXXX  on XX/XX/2023. It is now XXXX and now the bank is saying the funds never hit the account and if they did they would have been systematically refunded because the account was closed where the funds were going too. The bank and cash app are no longer helping me locate the funds, nobody is telling me anything I am late on my car note and also about to be 30 days late on my rent and I could be put out because of a system malfunction that isnt my fault. I no longer know what to do or how to go about the situation.
Product: Debt collection

In XXXX, my XXXX account was put into collections and purchased by XXXX XXXX XXXX. On XX/XX/XXXX, I was given the option to pay the debt in full for half of the owed monies ( proof attached ). Then, in late XXXX, Transworld has put a negative remark on my credit report stating I owe the same amount that was owed to XXXX XXXX XXXX for the same account. 

This has been paid in full.
Product: Debt collection

On XX/XX/2015 I moved from XXXX XXXX to XXXX XXXX. I had spoken to XXXX XXXX about cancelling my membership. They said that in order to cancel I would have to be further than 15 miles from an XXXX XXXX branch and that my name was on the lease agreement of where I was staying. At the time I moved I was XXXX having a hard time with college payments and had to move in with my mom. As a result I had no job and no car. I attempted to get XXXX XXXX to work with me and break the contract but they refused. At some point later I received a letter about collections but didn't understand how to handle the situation. I was not aware that I could dispute the collection nor seek help in coming to a fair agreement. As a result I was unable to make payments and am only attempting to handle this situation now because I have learned a little bit about how debt and credit work. The missed monthly payments have added up to {$560.00}, which though not a large amount, is difficult for me to pay back for a situation where I could not use their services and are greatly over shadowed by the thousands of dollars I owe in student loan debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately XXXX XXXXXXXX. 

According to 15 U.S.C. 1681e ( b ) Duty of Credit Reporting Agencies to Ensure Maximum Possible Accuracy also 15 U.S.C. 1681s-2 ( a ) Responsibilities of Furnishers of Information This account shows an open balance on a closed account. This is inaccurate and is a violation of my consumer rights. This account needs to be deleted from my credit report as it was negatively effecting my credit.
Product: Debt collection

After disputing with the company of this fraud debt they refused to properly investigate after I provided the right information. Note the response was the ID matches which they claim validates the debt for them. I explained that card was compromised from ID theft. Bounce AI was provided the police report and FTC report. Them reporting this fraud identity theft account is hindering my personal life. Reporting this false fraudulent information is against my consumer protection rights by reporting this information and not blocking it. Please thoroughly investigate and delete this account from my credit file.
Product: Debt collection

I received my credit report this month and seen I had a lot of things on my report I have no knowledge of, it was from identity theft because it was not me, I called the collection 's company and XXXX and spoke to them about this problem and removing it from my account, they filed an identity theft report but still nothing has been done and this has prevented me from getting funding for my start-up business, you need to remove these fraudulent accounts off my report. Thank you
Product: Money transfer, virtual currency, or money service

As of XX/XX/2021, I was invited to invest in crypto currency by Robinhood and XXXX. Due to the approval of the SEC and the SPIC, my choice to partner with these companies clearly trusting the SEC, SPIC oversight for a fair market. The advertising clear XXXX fees {$3.00}, {$2.00}, {$1.00}, {$.00} and a small % of possible costs. Then Robinhood NO commission 's and XXXX transaction fees. Understanding these points of advertised service is BAIT. Now 6 months of activity has revealed a automated Pyramid scheme, solely relying on multi-departmentalize misinformation advertising campaign with misleading advertising terminology and a real-time vs. Ever-changing predatory algorithm set setting unfair market margins and the automated algorithm that ignores orders made, without excuse and instant buy & sell option that is predatory and like XXXX algorithms giving the user a private varying graph set that is tuned to that user 's investment activity. Termed BAIT & SWITCH automated pyramid scam operated by a broker/dealer falsely listed as a fair inflation market exchange named ROBINHOOD and XXXX. The automated and employee response has been summed up as " don't use it. Or, So do you have screenshot evidence of your concern of unethical or technical problems? '' Both, aren't a excuse. 
As for XXXX has presented similar issues with the same or similar predatory investor algorithms in addition NO order options only the Buy & Sell buttons. Now the price you sell at is NOT firm, it continues to change for minutes and/or an hour after the transaction is final, termed Securities Fraud. Due to one professional attempt to resolve these concerns with Robinhood and noticable automated retaliatory activity when firm orders go ignored more then 40 times in one instance, I have reserved myself and awaiting a SEC enforcement action to be compensated for my claim for monetary damages and emotional destress in addition to avoiding all unnecessary legal fees.
Product: Debt collection

Have received roughly 6-7 intimidating collection letters threatening legal action have received 2 letters delivered via XXXX.
Product: Debt collection

I am not the person involved in the debt and have no relation to them. On XX/XX/XXXX I was contacted by midland credit management about a debt the way the started the conversation off was by asking the name, Ill admit this situation isnt fully their fault I was busy at school and with backround noise, it was difficult to hear the name so I believed it to be mine. I said yes and the customer service representative that I spoke to gave me this persons full date of birth. At that time I realized they had the wrong number, I let them know and shortly after the call dropped i assume because the call had gone completely silent. I was called again today XX/XX/XXXX about this same person at that point I let Midland Credit Management know I was not this person and I was told Id have my number remover. I was skeptical of this company because they called from different numbers so I assumed they were trying to scam me or the person they were calling about, so I did request multiple times to speak to a supervisor so I could make them aware of this situation and at one point the representive asked if I was settling. I let him know again its not my debt and that they illegally gave me that the debt holders full date of birth. I was finally transferred to a supervisor. I did call back a few times to verify all numbers were from them and to confirm that the call I received on XX/XX/XXXX was in fact from them and not a scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identify theft, I contacted XXXX, XXXX and Transunion and completed initial fraud alerts and security freezes, There was a number of inquiries on my files that XXXX removed immediately, both XXXX and Transunion asked me to mail a copy of my FTC report and a cover letter with details of what was to be removed, I did this and XXXX followed XXXX by removing the enquiries, TransUnion however have rejected the removal of these items, and in fact Transunion advised me to commit fraud by filing another FTC case with the same details and sending it back to them, this is totally unacceptable and is crazy that Transunion have asked me to commit a fraud against a government agency by duplicating an existing fraud case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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: Debt collection

I received a threatining collection letter from afni collections alleging I owe XXXX XXXX XXXX and/or XXXX XXXX {$6900.00}. I have never had any dealings with either of these people and legally they have no basis to threaten me with collection
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 10 hard inquires some u dont recognize and some i do. I was very new to credit and didn't know hard inquires damaged my report i have good credit other then these inquiries and i need to get them removed before i get another loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced a lot of credit inquiries on my account that I did not authorize. Most of the inquiries happened on the same day. Some of the inquiries are old and some are new but I did not authorized them and I would like the inquiries deleted from my credit report. I am experiencing some type of credit fraud.
Product: Mortgage

I have called several times to Regions to correct the reporting of my loan to the credit bureau. I have request Regions send me a print out of all payments paid from the beginning of loan. Regions Mortgage has n't sent anything or correct the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found many fraudulent accounts. I notified the companies and all three credit bureaus and they said to get a police report. I went to the police filed the identity theft report and submitted it to the bureaus and the creditors and the fraudulent accounts ( XXXX XXXX XXXX ) remains on my equifax file. This is not right, I am a victim of identity theft and never authorized these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditors listed below during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic. 
( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

( II ) Covered period. 
The term covered period means the period beginning on XX/XX/XXXX, and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et se
Product: Prepaid card

Hello, I am writing to seek your assistance regarding a serious issue I am facing with my paid family leave funds managed by Money Network, associated with the XXXX XXXX XXXX  ( XXXX ). 

Recently, I discovered that my account has been compromised, resulting in over {$2000.00} being spent in fraudulent transactions. I have attempted to resolve this matter by contacting Money Network directly. However, they are unable to assist me because I can not verify the amounts of recent transactions that were made without my consent. 

This situation is deeply concerning, as it not only affects my financial security but also hinders my ability to access the funds I desperately need. I have provided all necessary personal information to Money Network, including my Social Security number, date of birth, and name, yet I remain without support. 

I would greatly appreciate your guidance on how to navigate this issue and any assistance you can provide in expediting the resolution
Product: Checking or savings account

My purse was stolen as well as my information. My card was used at ATMs in differ Locations to withdraw funds on separate days. Starting XX/XX/XXXX funds taken via ATM through the XX/XX/XXXX. This is when I realized the account was compromised. I went to the bank locked the card and told the teller of the issue in person. Card was suspended and new card mailed to the wrong address. My funds were reimbursed in total from the withdrawals of XXXX from the atm. Then taken after they said my claims were basically fraudulent. Shortly after my routing and acc number were compromised transfers of XXXX withdrew via XXXX acc dispute ignored.
Product: Checking or savings account

I am writing to file a complaint against Navy Fedreal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transaction was authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I request an investigation i to my account transactions.
Product: Mortgage

Terrible customer service, especially by XXXX XXXX and XXXX XXXX. 

Applied for pre-approval on a mortgage for a new house and cash-out refinancing on our existing house in order to fund the new property 's down payment. Citi 's feedback ( entirely reasonable ) was that we needed to show more assets sufficient to cover payments during the " double carry '' period when both loans would be in effect. Thus ensued over two months of discussions about how to meet the reserve requirement. Citi 's representatives were extremely slow to respond throughout the process. Once we finally came up with a structure that solved the reserve requirement problem -- again, after over two months of discussions -- Citi 's mortgage broker announced that our income was insufficient to qualify for both mortgages at once. ( Not insufficient for either loan, mind you. Just insufficient to qualify for the few months when both loans would be payable. ) She further had the gall to state that she had told me about their income guidelines from the start ; not one email in the first ten weeks says any such thing. 

Citi is entitled, of course, to create whatever underwriting guidelines they choose -- sensible or no. But it is a bit much to be led along for months on end like this. Citi had enough information about our income and borrowing request that they could have denied us within days or hours of receiving our application. Instead, they wasted our time haggling over a reserve requirement that ( according to what they now say ) could never have made a bit of difference from the start.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I received an unsolicited XXXX Rewards credit card from Chase Bank sent to my office last month, this was a card I never asked for and did not want. I called Chase bank and they closed the account and sent me information on credit monitoring and protection. I called XXXX, as I do have a business XXXX account, and they seemed mystified as to how this happened. I do not do business with Chase Bank at all. I do not believe I need any further resolution, just wanted register a complaint that this happened, in the wake of the XXXX issues, wondered if Chase was doing something similar.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a natural person, i am a living human being, i have rights under 15 C 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I signed up for the AMEX Green card which promised a bonus of XXXX points upon spending {$3000.00} within 6 months. I hit the sign-up bonus back in XX/XX/XXXX but AMEX has withheld my bonus. It's been well past 12 weeks since I've hit my sign-up bonus ( the maximum time frame is 12 weeks ) and since I've opened my intial case with AMEX to attempt this resolve this issue. When researching this issue, multiple individuals state their points post once they meet their sign-up bonus and once the next billing cycle closes. The XXXX points for my account have been showing as pending for over 3 months now ( the XXXX points showed as pending as soon as my account hit the sign up bonus ). I opened the case back on XX/XX/XXXX ( XXXX ). I called repeatedly in the time between then and XX/XX/XXXX. In XXXX, a rep named XXXX opened yet another case on XX/XX/XXXX ( XXXX ). I was told the Membership Rewards back office needed " another 48-72 hours '' ( it had already been over 3 month at this point ) to " investigate this issue ''. I called over a week later in XX/XX/XXXX for an update and there was no activity on the case nor any answer or resolution. Once again, I was told a similiar story by reps XXXX, XXXX, and XXXX who told me wait another 48-72 hours to another week to call back. I was also told that there was a " technical glitch '' with my points.