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

XXXX XXXX XXXX Account starting number XXXX opened XX/XX/XXXX, XXXX account starting numbers XXXX opened XX/XX/XXXX, XXXX XXXX account starting numbers XXXX  opened XX/XX/XXXX, XXXX account starting numbers XXXX opened XX/XX/XXXXXXXX XXXX account starting numbers XXXX opened XX/XX/XXXX, XXXX XXXX XXXX Account starting numbers XXXX opened XX/XX/XXXX. All this account s not mine it is opend by somebody who stole my identity and used to get cards and loans. XXXX XXXX account starting numbers XXXX opened XX/XX/XXXX XXXX XXXX account starting numbers XXXX opened XX/XX/XXXX XXXX XXXX XXXX account starting numbers XXXX opened XX/XX/XXXX XXXX XXXX XXXX account starting numbers XXXX opened XX/XX/XXXX I dont have contract with this Agencies they did not provide me with original contract as i requested. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS ABOVE THAT I MENTION HAS VIOLATED MY RIGHT 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 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Checking or savings account

I was scammed out of {$600.00} from a scammer and when I told chime these were unauthorized they simply responded they would not refund my money. I contacted several times and could not get to a boss or anyone with authority to resolve my issue
Product: Credit card or prepaid card

I filed a dispute with the card company on XXXX/XXXX/XXXX. I was told during that recorded call that if I returned the forms required within XXXX business days I would receive provisional credit within that XXXX business days. I called multiple times during that period to ensure that the forms were received. On XXXX/XXXX/XXXX I called and was told that the card would be credited that evening. I never received it. I called again on XXXX/XXXX/XXXX and was disconnected while on hold. I called on XXXX/XXXX/XXXX and was told that the hurricane was causing them to be unable to deal with disputes. I explained that my XXXX business days was long before the hurricane and was told that a level XXXX team would investigate. I called on XXXX/XXXX/XXXX and was told by XXXX XXXX that I could not speak with a supervisor and he would not provide a supervisors name to file a complaint. I could write a letter if I wanted to complain. I explained the issue and was again told the hurricane was the issue even though that was not in XXXX. I explained I read the terms and conditions of the card and it says they will resolve disputes within XXXX business days. If they need more time the cardholder will be given provisional credit within XXXX business days. This is on page XXXX of the terms and conditions. The supervisor that I was unable to speak with said yes, I returned everything and was eligible for credit, but that I do n't understand. The credit does n't need to be given to me within XXXX business days as the document states, I just need to return everything during that time and they will at some point up to XXXX business days later provide credit. That is not what is documented in their terms and conditions, it is n't what I was told by the dispute department or any other customer service representative. I asked again to speak with a supervisor and was told no. The phone number is XXXX. Cardholder services is XXXX XXXX XXXX XXXX FL XXXX. Their fax number is XXXX. The website is XXXX. The card is issued by XXXX XXXX XXXX XXXX and is XXXX branded card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to Experian regarding an alleged bankruptcy that appears on my credit that On XX/XX/2020, XX/XX/2020, and on XX/XX/2020, I sent them letters requesting them where did you get the information that they are reporting on my credit profile regarding an alleged bankruptcy that appears on my credit report. They claim it was verified but they have not provided any evidence of that " alleged verification ''. I have security freezes with companies like. XXXX, XXXX, XXXX, and XXXX just to name a few so there is no way of XXXX  being able to say that they received information from any of these mentioned companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a certified debt validation letter to collection agency, XXXX XXXX XXXX to verify this debt is mine. This creditor has failed to respond in a timely manner to my dispute and fail to validate this account correctly belonging to me, nor has my credit report has been updated that the account is disputed. After review my account as of XX/XX/XXXX, there has been no updates. Please strike and remove this account from Equifax until adequate validation has been received proving that the amount belongs to me and all information is correct.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to TransUnion on the dates listed below, and as of today, XX/XX/XXXX, they have not provided any updates on the accounts in question that have been disputed on several occasions. The following are the dates when I personally sent credit disputes to TransUnion Consumer Company : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX The accounts I have been attempting to dispute with TransUnion, which they have failed to address, are as follows : XXXX XXXX XXXX - This account has been settled in full, yet TransUnion is the only bureau still reporting it as " LATE. '' This account should now reflect a {$0.00} balance. 

XXXX XXXX XXXX - I suspect this collection is being reported inaccurately. If you can not verify this information, I request its prompt removal from my credit report. Please provide evidence that you have acquired this information directly from the source, or proceed to remove it from my report. 

Thank you.
Product: Checking or savings account

I deposited 1- {$100.00} and 14XXXX {$20.00} bills on XX/XX/XXXX. the atm made a funny noise and spit out a receipt that said transaction can not be processed contact your financial institution. we called the number on the back of the bank card and filed a dispute. we got a provisional adjustment but the a couple weeks later we got a letter saying that no error occurred and they reversed the provisional adjustment. we proceeded to make a complaint with the branch directly. They were even aware that a problem occured at the time because XXXX XXXX explained to the branch manager, XXXX, that the employee i pulled aside and made aware of the error right at the time. they took our names and contact info and we gave them an image of the atm receipt. we didn't hear anything from them for a week. i called on a monday and we told that they would call us back that day. they did not. i stopped in the next day and they explained that they keep calling the escalations department and keep getting put on hold. XXXX said she will be bringing this up in a meeting. We heard nothing for another week. i called and XXXX said she was bringing it up to her Regional manager in a meeting. she then sent an email to my husband, XXXX, on the XXXX of XXXX saying that we would be getting a call from the esalations departments in the next 2 business days. we have not gotten a call from them yet and it's the XXXX of XXXX. i called XXXX today ( XX/XX/XXXX ) and she said that she emailed my husband this morning saying he be getting a call today from the escalations department. I informed her that we are now filing a complaints to the FDIC and Attorney General. we did not get an email from her as she stated. my husband emailed XXXX and XXXX on XX/XX/XXXX saying that we were very unhappy about how they are handling this and we never got a response from them. Many times they avoid us and they say she's in a meeting or out that day and we never get a response. They did at one point say that their atm balanced for that day but XXXX XXXX stated to XXXX that they did have a discrepancy with one day about a week later that says they balanced but was indeed off {$180.00}. So how can i trust when the bank says that the atm balanced but then they find an error with that system? they are very unresponsive and not transparent about how they are handling it. i had to ask the branch manager how they plan to handle this and what the steps will be. I explained to her that i was aware that money can get stuck in weird places in those atms and asked if they plan to check that. she said she didn't want to go that route.
Product: Credit reporting or other personal consumer reports

I filed chapter XXXX XXXX  in XXXX. I have been working on get my credit improved since XXXX. I recently applied for a loan with the XXXX XXXX I have been with for over XXXX  years and having excellent payment history, over payment of credit cards, I was informed I had a public record hanging over my credit stating my XXXX  was still pending!!! It had been XXXX over XXXX almost XXXX years ago and this has kept me from making major purchases thru no fault of my own. I know of a person who filed a bankruptcy and within a matter of XXXX  purchased a brand new vehicle. This XXXX  not showing its having been XXXX has hurt me financially for the past XXXX years!!! I have lived in my home since XXXX, I am driving a XXXX vehicle. I havent been offered any type of credit other then credit cards with high interest rates and I reached out desperately for a loan charging an interest rate of over XXXX XXXX because of my credit rating. Had i not contacted TransUnion and was informed by my XXXX XXXX, I was not aware of that XXXX  still not showing the XXXX  as being XXXX. I informed the XXXX  that filed for me and havent heard back from them. I know my XXXX  was filed XXXX and ordered because I worked for the United States XXXX XXXX my XXXX  was filed in.
Product: Mortgage

I applied for assistance on my home loan on XXXX of 2015. Since I submitted my request for review, I have been assigned XXXX representatives, I was sent letters of any missing documents, in which I returned all items as requested. I was contacted in XXXX of 2015 and advised that I had been approved for the Hamp Trial Program. I did not agree with the offer, since the payments were still too high for my fixed income. I requested an appeal on XXXX XXXX, and no response has been provided. On XXXX XXXX, 2015, I received a letter from Wells Fargo dated, XXXX XXXX, 2015, stating that my payment would increase from {$560.00} to {$1000.00} a month, effective XXXX XXXX, 2015. No explanation was given to as why there was an increase or at least a 30 day notice. When I spoke to the representative at Wells Fargo, she was unable to advise to why the increase and unable to provide status of appeal. In addition, prior to starting the review, I set up an escrow account for taxes and insurance and I was told by the representative that I could cancel in the event the hamp program was not accepted.
Product: Debt collection

Navy Federal Credit Union XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Florida XXXX XXXX XXXX XXXX XXXX Protected Consumer to Navy Federal . I am a natural person who is at all times relevant. Navy Federal has caused my family and I great harm. 
In 2017 Navy Federal received my Federal Income Tax Return into my checking account. After they received my Tax Refund via direct deposit I was asked to come into the branch for verification purposes. After the teller verified who I was and that was XXXX XXXX 's Tax Refund I was told I would not be receiving my tax refund. Navy Federal lied, stole, and mislead me wrongfully restricting my account and stealing from me. I was told since I was past due on my loans Navy Federal reserved all rights to my Tax Refund since it was deposited into my account. I was told I would not be able to access my account nor would I be receiving my Tax Refund because I owed on my loan. Unfair restrictions were placed on my accounts after Navy Federal fraudulently stole my Tax Return and did as they pleased with over {$8000.00} of my hard-earned money. 
At this time I had just turned XXXX XXXX XXXX. I did not understand anything that Navy Federal was doing to me and my family. My family ended up being evicted from our apartment and my car was repoed as a result of Navy Federal stealing my Tax Refund. I was planning to use a portion of my Refund to pay on my Navy Federal loans as well as catch up on my rental and living expenses. I was stripped of the chance to do those things and lost everything in the process. Navy Federal Credit Union deceived and mislead me in the worst way possible. My family and I were living on the XXXX out of funds in a short time as a result of Navy Federals ' willful negligent practice. I received several calls and late notices that were harmful and threatening to me as I felt like I could not do anything to help myself at the time from being harassed and humiliated by Navy Federal. I thought so highly of Navy Federal until I witnessed them engaging in unfair and deceptive acts or practices and violated me per federal consumer financial laws. Navy Federal violated the Consumer Financial Protection Act by making deceptive representations to Consumers in connection with its debt collection activities. Navy Federal also violated CFPA by unfairly restricting my account access, and blocking my debit cards, and online access. I was told I would only be allowed to come into the branch for any banking transactions. I was also told I will no longer have an account other than my savings, so all other accounts were permanently XXXX. My remedy I am seeking to recover my Federal Tax Refund that was illegally fraudulently stolen from me. Navy federal was not authorized to pursue any of the actions they insisted on.
Product: Debt collection

JUNK DEBT BUYER - YOU ARE IN VIOLATION OF THE FDCPA- YOU ARE IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS Ability Recovery Services at XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$180.00} the collection has been reported as a positive balance and a collection account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. I have included several violations that you, Ability Recovery Services, owe me in my Bill of Particulars.
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 take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive l, 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: Credit reporting or other personal consumer reports

In accordance with the fair Credit act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A 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 my account without my writing instructions
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report listed below : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX  15 U.S.C. 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information Is inaccurate
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts on my credit report, which I reported it to XXXX XXXX and XXXX XXXX, yet they are not removing these fraudulent accounts. XXXXXXXX XXXX and XXXXXXXX XXXX have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXXXXXX XXXX  / XXXX and XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Follow up to my Formal Dispute of Fraudulent Items on My Credit Report Dear Equifax Dispute Resolution Team, I have contacted you servel times over the last 6 months presenting evidence of the fraudulent items on my credit report. You have not sent me any verification of the validity of the documents and I have sent you proof of the identity theft which included copies of the Federal Trade Commission Identity Theft Report. I have contacted you several times regarding the presence of fraudulent items on my credit report that you maintain under my name and Social Security number. Despite providing documentation and filing an FTC Identity Theft Report ( # XXXX ), Equifax has refused to remove these items. This letter is a request for immediate deletion in accordance with my rights under the Fair Credit Reporting Act ( FCRA ).

As you may know, Equifax was responsible for a data breach in XXXX that exposed my personal information and the personal information of millions. I have reason to believe that the misuse of my Social Security number and personal information is directly tied to this incident, as confirmed by the FTC and Equifaxs own public statements and the Equifax Data Breach Settlement ( Engagement Number XXXX ) The following fraudulent items must be removed from my report immediately : XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX Per the FCRA 605B [ 15 U.S.C. 1681c-2 ], credit reporting agencies are required to block information resulting from identity theft upon receiving : Proof of the identity theft, such as an FTC Identity Theft Report.

A copy of my identification.

A written statement identifying the fraudulent accounts. 
All of this documentation has been previously provided to you. As well as copies to the CFPB and you have sent me stall letter after stall letter stating you didnt receive my report so you cant block the items. Your refusal to remove these items constitutes a violation of the FCRA, specifically 611 [ 15 U.S.C. 1681i ], which mandates credit reporting agencies to conduct a reasonable investigation of disputed items and promptly correct any errors. 

I urge Equifax to take immediate action to : Remove the fraudulent accounts listed above. 
Provide me with a corrected copy of my credit report. 
Refrain from sharing any inaccurate information with third parties. Especially since you have already leaked my information. 
Failure to comply with this request will leave me no choice but to escalate this matter. I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the FTC and explore ALL my legal options to protect my rights. 

Thank you for your prompt attention to this matter. I expect written confirmation of the resolution within 30 days, as required by law. Please contact me at XXXX or email me at XXXX if you require any additional information. 

Sincerely, XXXX XXXX XXXX Last XXXX of Social Security Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company BK OF AMERmaccount number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had FIVE late payments 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 Accuracy. I have never been late on payments for the account : XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments 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. Thank you.
Product: Credit reporting or other personal consumer reports

I did not authorize these fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

During the COVID-19, I contacted my server and they offered a forbearance, during this time my husband was on XXXX  and after XXXX working for my employer, I was XXXX  at age XXXX. Our mortgage is in foreclosure status, no sale date yet, I was denied a modification and the owner does not accept the amount to be put on the back of the loan. I believe I have tried everything, other than bankruptcy. My husband is XXXX old and is receiving XXXX XXXX XXXX and I am receiving XXXX XXXX currently looking for employment. At this age I feel helpless. I feel I was mislead and given wrong information. During this pandemic, I was offered the forbearance and I was told after the forbearance, Their would be other assistance I would be able to apply. I applied and they denied me for all the assistance that was offered, because I did not pay anything during the forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to contact Experian representatives to correct or inquire about credit report and personal information.
Product: Checking or savings account

On XXXX I asked cashapp to remove any phone number that wasnt my own from my account. In the process the removed and blocked my number also so I am not able to gain access to my account with literally all of my money in it. My car payment is late now and Im fearing my kids XXXX will be in jeopardy. No one will resolve the situation, I have verified my identity and verified that the account is mine but still continue to be told I cant gain access. They had me open a new account and stated they would transfer my funds to my new account but have yet to do so. I requested my account be closed all together and just mail me my remaining funds, or send my direct deposit and other sources of incomes back to my employer. No one will help me and no one will tell me what process I need to go through to get this resolved. It has been ongoing for almost a week now and is so devastating.