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

under the Fair Credit Reporting Act ( FCRA ) law 15 USC 1681 I request these errors be updated on my report. My credit card from XXXX XXXX I saw on all 3 credit bureaus that my credit age with my credit card is 3years but my credit report shows my credit age to be less than that from account # XXXX. There are not many options to report this so I chose to have this fixed through a better source.
Product: Debt collection

The motorcycle accident took place XX/XX/2019. The only level 1 trauma center close was XXXX XXXX on XXXX XXXX XXXX in XXXX. XXXX XXXX  is in my insurance network and my fiance called to confirm that our stay there was covered. My insurance company told her that because the accident resulted in life threatening injuries that any and all treatment inside of the hospital regardless of the provider on call would be covered. The XXXX XXXX billing department billed as they normally would and the insurance company declined to pay certain bills as a result of the bill coding. We spoke with the insurance company and as long as XXXX XXXX changed the billing codes and resubmitted everything the insurance company would then pay. This was about 22-23 months ago and to date there has been no resolve to the past due medical bills. My attorneys office as well as my fiance were unable to get responses from XXXX XXXX regarding these and they have been left unpaid as a result. Thanks again for everything.
Product: Mortgage

We had missed XXXX payments ( XXXX XXXX ) due to financial hardship and were about to close on the sale of the home in question. We had called PennyMac ( our lender ) asking them to not report the XXXX late payment for XX/XX/2023 because we were signing our papers on XX/XX/XXXX. The late payment was still reported even though the entire loan was paid off on XX/XX/XXXX. Now we are not qualifying for a new mortgage in a new city where we are financial secure and have tier XXXX credit.
Product: Debt collection

Ive never had sprint previously, Ive been on family plan through XXXX XXXX XXXX, and have recently transferred and bought and pay for my own phone through XXXX for the past year. The original Creditor ( XXXX ) has never tried to contact me nor has sent information via mail to resolve this. Jefferson capital LLC has never tried to contact me in any shape or form as well to resolve it or share the information, I found out through XXXX, I believe this is a fraudulent account.
Product: Money transfer, virtual currency, or money service

More than one month after purchasing a car from Carvana, the company withdrew the deposit of {$3900.00} a second time from my bank account with little warning. After reaching customer service they agreed to return the deposit, but only after 3 weeks.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I logge onto Moneygram 's website to send money to my XXXX in XXXX. This transaction is done every month for the past 3 years- my sisters and I collectively will send money to assist in taking care of our family back in XXXX XXXX On XX/XX/XXXX, XXXX my ucle explained that he was unable to pickup the money from me and my sister and wasn't given any information. I checked my email and received an email that the transaction was cancelled. It would take 10 Business days to receive the money back. I reached out to my sister she checked her email and received the same notification. When I reached out to Moneygram, they claimed that it was an internal decision to stop allowing the receiver to pickup money. It was suspicious activity. My uncle is the only XXXX  left in XXXX with my XXXX y.o grandmother- the money we send helps take care of her and medical issues. There are not many options where they live to send money- it's a hassle and discriminatory to determine who can receive money. Moneygram is a service provider-in this transaction. They should not be able to stop families from sending money on a whim. Especially without reaching out to the sender. If the receiver has suspicious activity they are accusing the sender of the same involvement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Already filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX under the Fair Credit Reporting Act I am intialed to the documents your client Department of EducationXXXX sent in to open the over {$80000.00} student loan account in my identity. I have been requesting the documents but no CRA have responded yet. Send the documents immediately as required by law. If you can not submit the documents state why? Transunion I was pre-apporved for a personal loan. Transunion against my permission you wrote to the loan company that my debt ratio was to high. Transunion why did tell the loan company this when I was just in the pre-approval process. I had not submitted for a hard pull of my credit report. Transunion you have blocked me from seeing my credit report and filing disputes, I can not see in the account. because you are a partner with XXXX by writing me and saying your going to send my case to an outside agencies. Transuion tell what gives you the authority to keep damaging my credit report and scores. I will see all CRA in court soon. CRA XXXX has no authority to rule on any student loan in my identitication. The real U.S. Department of Education General Counselor had ruled XX/XX/XXXX, Defaulted/Unresolved for FRAUD this mean no student loan servicer to touch this account, no servicing fees will be paid for this account..Nelnet was not suppose to XXXX in custody of the fraudulent loan. XXXX was not to collect servicing fees on the fraudulent loan XXXX can not make any decsion on this student fraudulent loan. XXXX ED can present their evidence in court. XXXX stop me from buying a house. The CRA stop me from buying a house. CRA send the XXXX ED documents. I will see XXXX and the CRA in court soon for damaging my credits and scores CRA YOU BLOCK ME FROM BUYING A HOUSE XX/XX/XXXX CAN NOT MAKE ANY DECISION ON THIS FRAUDULENT ACCOUNT. THAT WAS TERMINATED XX/XX/XXXX.
Product: Mortgage

Ive been receiving letters from Shellpoint Mortgage for several months stating they require proof of insurance. Ive provided proof of insurance each time, as well as called them to confirm receipt. Each time Ive called ( 6+ times ), they have confirmed proof of insurance receipt and that our account would be updated, and that we would not be charged. However, were still receiving letters and are now being charged an additional {$1200.00} each month. This is harassment and these charges are fraudulent.
Product: Debt collection

I have been trying to dispute for years these credit card companies who's accounts where open in my name fraudulently. Ive reached out to them and credit bureau and still has remained on my file. cause great trauma to me and my credit score for years. the companies are. XXXX, XXXX, XXXXXXXX Best Buy, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The year of XX/XX/XXXX Tax information was amended. I owe a XXXX balance by the social security administration. It's when I applied for XXXX that i started receiving these harassing phone calls and letters. This is a collection agency i never heard of false information. I don't owe {$5700.00} to the Irs. I wasn't working in XX/XX/XXXX and XX/XX/XXXX. I only worked for the XXXX XXXX XXXX and that was only years. I'm being harassed by a company named conserve. I don't know them and never did business with them. I owe student loans. By the Department of Education that i must pay monthly. It's not fair that I am being harassed every day. I have a freeze on my credit report. How was they able to biy this account and harrass me. I send in all documenations disputing this claim. And they still are trying to collect a debt i donot owe. At all.
Product: Credit reporting or other personal consumer reports

15 U.S. 1681 ( a ) According to federal code XXXX XXXX XXXX has. Reached this code and will be subject to litigation actions. This is a memo to The entity mentioned above and a complaint reported to CFPB, for the this entity to cease and desists.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit Bureu still showing all accounts closed, paid in full, also have student loan closed due to my XXXX, please somebody help me I am so tired to leading with this problem. 
Cause me hard time and disappointed in my life. 
I need my credit back. 
Thank you very much XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Debt collection

Phone calls no one their when I answer looked online says its portfollio recovery I have no debt with them or anything in collections
Product: Credit card

I purchased windows through XXXX, and they offered 15 months 0 % financing through Wells Fargo. 

I have been paying regular payments to Wells Fargo for this 0 % interest program and noted they opened a new credit card account in my name and transferred the balance owed to the new card account. It appears based on the statements, that this took place in XX/XX/2017. I did not request Wells Fargo to open a new card on my behalf, nor was an explanation given as to why the new account was opened and the funds were transferred.
Product: Checking or savings account

After my first deposit from my job this company froze my account and will not let me access my funds! I haven't been to work in 3 days because I have no transportation and I may lose my job!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting or other personal consumer reports

My driving record for State shows speeding and occident. This is not correct. My record is clear for the past 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I I have recently submit letters to you about my credit report XXXX, XXXX and Equifax for all 3 credit reports waiting for a response yet I got nothing, according to the standards you was to connect me with 30 days due to time of this whole situation how XXXX. 

There are errors that are on my credit report which should not be or removed from my credit report. 

wrong address wrong employment wrong name never live there Because of this treatment, I had to change my purchase my real estate investment properties because my credit report is not up to CFPB STANDARD!!! 
this total Unacceptable and violates over 20 rights that I have as a consumer I ask you to take complaint extra seriously, I would like a response form you no later than 15 days. And also request to be compensated interest for every day the credit bureus do not reply to my complaints.
Product: Credit reporting 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.

This list of inquiries that the creditors have put on my report has inconveniently as well as severely violated my rights! 



Account name- XXXX XXXX XXXX Account type-Cell phone : Account number XXXX. 



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 know with one hundred percent certainty that the information is inaccurate, and I had never given any of those creditors the right to put those on my credit reports
Product: Credit reporting or other personal consumer reports

I was very surprised and disappointed to XXXX  unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

was at the XXXX looking to buy a new card when i was made notice of XXXX accounts i never applied for on my credit report
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed I had quite a few unauthorized inquiries. The following companies below XXXX is showing the below XXXX 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 XX/XX/XXXX I did not grant authorization for any of these companies to make an inquiry and view my credit report. 

This is a severe infringement of my privacy rights and a violation of Fair Credit Reporting Act Section 1681b ( c ).
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

Robinhood debt and stock brokerage account frozen pending verification. I have provided all needed and accessible to myself documents. Some of the banking statements they are trying to request are for accounts I am in the process of recovering, as seen by my CFPB profile. The XXXX checking and savings account, and the original XXXX account banking statements were requested. I was able to provide the XXXX or XXXX account statement and the rest I would need to provide a notary form. I do not have any children ( I have never given birth ) nor beneficiaries, so no one should be attempting to verify with these accounts statements and divert funds to themselves. Short of going to the Robinhood headquarters which I have not done, I believe the notary form would be ideal. I am trying to recover funds withdrawn since the Robinhood account was opened in 2019. I already reported the unauthorized XXXX crypto transfer, that was from this Robinhood account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent on XX/XX/2020 and 30 Day demand to comply sent on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve this problem. 
I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to files complain against Navy federal credit union regarding multiple overdraft fees that have occurred. Despite having sufficient funds when transactions were authorized, I was also charged fees due to lagged posting of charges and credits. This issue aligns with CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds.I truly believe these practices are unfair & has gotten me in a jam one to many times. So I request an investigation into my account.
Product: Student loan

I called and asked to be refunded {$10000.00} in payments made during the payment pause. Despite there being a balance now on my account due to the refund request, they have yet to send me the money. They are not even providing a timeline. They clearly have proof that I made payments in excess of {$10000.00} during the payment pause, so I am unclear why the money can not be sent back immediately. Also despite requesting a refund for {$10000.00}, they only processed {$9900.00}. I realize it's a small difference, but I requested {$10000.00} and I paid more than {$10000.00}. I attached two of the largest payments made.
Product: Credit card or prepaid card

On XXXX the XXXX I have purchased flights for my family in the amount of {$2000.00} with my Barclay XXXX rewards credit and. The credit card got declined a few times, there for my credit card was canceled and replaced by Barclay, on XXXX the XXXX the temporary transaction disappeared from my statement, Ive waited and the on XXXX the XXXX Ive called the merchant to check the status of the flights, the merchant told me that there was a problem with the money and that I need to call Barclay to have them release the founds, on the same day XX/XX/XXXX Ive called Barclay and the agent told me that he is not seeing any transactions and that he cant help me release the money for the flights, on XXXX the XXXX Ive canceled and rebooked the flights since my Barclay card got canceled Ive paid with my back on XXXX credit card. 2 days later on XXXX the XXXX the merchant changed me for the canceled flights. Barclay is not helping me resolve the problem they caused, I had them open a case but no one called me, I kept calling to let them know the situation, they just been promising that everything will be taken care of, now they closed the case please help