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

I have contacted XXXX  a few times about the fraudulent XXXX Account. This is NOT MY ACCOUNT, and I had nothing to do with it.
Product: Debt collection

I recently opened a business account with pay pal to collect fees for my youth soccer team. After receiving over {$200.00} in payments from parents I attempted to cash out to pay for a tournament. I received a message that my account was on hold because they are matching me up with an account for which money is owed. I have attempted several times to get information on the balance owed and I am just being told they can not disclose that information because of security reasons. So they just want me to blindly pay this amount and refuse to tell me what it is for. I need help resolving this and Pay Pal will not help. I do not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC1666b, a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

NAVY FEDERAL CREDIT UNION used unfair and deceptive practices to remove {$23000.00} from my checking account. NAVY FEDERAL CREDIT UNION has reported by way of team members in their charge-off department that these funds were taken from my account for three charged off accounts. NAVY FEDERAL CREDIT UNION reported to me that a credit card 's debt was charged off on XX/XX/2017 ; a Checking Line of credit was charged off XX/XX/2017 ; a Personal Expense Loan was charged off XX/XX/2017. Each item that NAVY FEDERAL CREDIT UNION alleges is charged off debt is over XXXX and a half years beyond its charge-off date. As well, I have requested the 1099 C for each but have not been given such. Also, how can NAVY FEDERAL CREDIT UNION collect debts that are beyond the statue of limitations? NAVY FEDERAL CREDIT UNION took money that was not theirs to take and I qualify that as stealing in my faith based system. NAVY FEDERAL CREDIT UNION has not operated in good faith towards me as a consumer by stealing the funds from my checking account. At the time the funds were taken, the account had no negative balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, # XXXX, XXXX XXXX XXXX account titled University of XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Mobile phone and debit card were stolen on XX/XX/XXXX. Bank account and electronic payment services information ( XXXX XXXX, XXXX, PayPal, Venmo ) were compromised. Transactions totaling {$11000.00} were processed via PayPal for the dates and amounts listed below : XX/XX/XXXX - PayPal ( XXXX XXXX ) Transaction ID : XXXX - {$2500.00} XX/XX/XXXX - PayPal ( XXXX XXXX ) Transaction ID : XXXX - {$3500.00} XX/XX/XXXX PayPal ( XXXX XXXX ) Transaction ID : XXXX - {$5000.00} Disputes were filed with PayPal, in addition to my primary financial institution, XXXX XXXX XXXX XXXX. Reports were also filed with the local authorities, FBI, and FTC. Legal reports were provided to the company for reference. However, no action was taken to rectify the situation and return the stolen funds.
Product: Debt collection

Roquemore and Roquemore has been contacting my family members and former in-laws regarding a debt that has been verified as fraudulent and removed from my credit report already. A number of years ago, a distant relative established an identity utilizing my middle and last names with alternative residence, identification, and social security information. He was then able to secure credit, a residence and even an on-going vehicle loan. I have worked diligently to have these items removed over the years. As often as I have been able to, I have contacted creditors to have statements and accounts forwarded to me for legal purposes and to contest debts. There is a fraud affidavit affixed to my credit report, as well as other protections to prevent new accounts from being established. Now Roquemore & Roquemore is calling threatening my family members and demanding that the location of a vehicle be disclosed. I reiterate that this is not my account, I do not possess this vehicle and we have no contact with the family member that committed the fraud. The fraudulent social security number ends in XXXX, which is NOT my social security number. When I attempted to call and explain this, the representative presumed that I was lying and became livid and started screaming. I asked that they provide me an address where I could submit proof of this being a case of fraud, yet she threatened that continued calls to my family, landlords, employers and the like would continue if I did not provide the vehicle. I have promptly called an attorney and had them to draft a cease and desist order. They ( Roquemore & Roquemore ) have made no efforts to validate this debt, or it would become blatantly obvious that they do not have my true social security number or name. The original creditor ( XXXX XXXX XXXX ) employed the same tactic of skip-tracing and attempted to add my full name and social security number to the account, which warranted the item being removed XXXX by the credit bureaus.
Product: Checking or savings account

I wrote a check out to myself for {$8600.00} from my citibank account and after the funds were removed from my account. However on XX/XX/XXXX, I was made aware that the check had been returned for insufficient funds despite the funds being withdrawn from my account already, but the funds were never deposited back into my account once it was returned. Since then I have been calling the bank hoping for them to resolve the issue. On XX/XX/XXXX, a representative told me that the process would take 5-7 Business days. Despite my calling every day to check up on my request and being assured that it was being handled and would take 5-7 days as had been told to me previously, when the day arrived that the 7 days were up, I was told that the request had never actually been submitted so there was no pending request from my account and that they had proceeded to place the request on that day so now it would take 5-7 business days to process my request. Today XXXX XX/XX/20 XXXX is the 6th business day of that period and still I have not received the check back and after speaking to an in-branch representative, I was told that there was nothing that could be done to help me. Can anyone help me please?
Product: Credit reporting or other personal consumer reports

I tried email and call mariner finance I was told I would get a call back when I requested debt validation letter the amount for my amount is way off and stacking on unwanted fees
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX GA XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations, and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph. 
( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX - XX/XX/2023 - You need to remove this inquiry under Section 604 - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/2023 - You need to remove this inquiry under Section 604 - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/2023 - You need to remove this inquiry under Section 604 - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/2023 - You need to remove this inquiry under Section 604 - The following inquiry was not authorized and should not be reporting. 
XXXX of XXXX XXXX - XX/XX/2023 - You need to remove this inquiry under Section 604 - The following inquiry was not authorized and should not be reporting. 
under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

I've revealed many times now that I've been a victim of identity theft. You must remove/block any items opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

My payment is due by the XX/XX/XXXX of each month. Realizing I could not make the payment this month, I called XXXX ( XXXX ) XXXX, to let her know that I 'd make a double payment next month. This is the first payment I missed. I called XX/XX/XXXX. It 's XX/XX/XXXX and I 've had over 5 calls. 3 just this morning. They are calling my mothers phone yelling out XXXX and hanging up. My mom calls back to find out who they are and it was Southern Loans. It 's childish and Inc all for especially since I called them. In return they started calling me the next day as if my situation would change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I APPLIED FOR A CAR LOAN AND THE DEALERSHIP SENT MY INFO TO MANY BANKS I WAS TRYING TO REFINANCE MY HOME FOR A LOWER RATE/PAYMENT AND THEY SENT MY INFO TO ALL THESE BANKS. 

BELOW ARE ALL THE INQUIRES LISTED ON MY EQUIFAX CREDIT. 

XXXX INFORMATIVE RESEARCH XXXX  FL, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about inaccurate and unknown things on my credit report, it's been more than 120 days after the fact and I have not gotten any reacts. Consumer reporting agency have not carried out their responsibility ordered under the law. I have an inclination that I am being exploited and being disregarded about my disputes. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 120 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.
Product: Checking or savings account

Ive been battling an unauthorized transaction. I have all the proof I spoke to a customer service representative and then emailed her back. She was negligent did not even message with any questions or respond back its almost been a whole month. Completely terrible service no one deserves a bank like this. 
It makes consumers like myself think is this Company run by criminals? 

I had an unauthorized charge back on a digital item I bought from XXXX that I really want back. I never asked for a refund never requested a chargeback. I was never refunded the money. The balance was accurate otherwise XXXX wouldnt have been able to pull any funds. I disputed one charge back on an entire entirely different product and they decided to XXXX with other transactions against my authorization! I guess you could say my bank has become XXXX. 
The bank did this on their own initiative and theyre too scared to clean up their own mess. XXXX is upset who is the Merchant Ive been doing business with. I am very upset, I am the card holder and PNC is continuing to bring misfortunate to people. 

XXXX is willing to give a statement and provide everything they did on their investigation if needed they are a large corporation
Product: Debt collection

On XX/XX/XXXX I contacted AAFES after XXXX ( my debt negotiation administrator ) let me know that AAFES /XXXX XXXX will not negotiate our account. I explained this to AAFES and requested that i start paying on my account again. XXXX XXXX spoke to me, set up my ACH monthly payments and sent me an email with the Voluntary Payment Plan Agreement. I signed the agreement and emailed it back to BOTH XXXX and the XXXXXXXX email box on XX/XX/XXXX. It states on the agreement that if I don't agree and make payments, they will send my account for XXXX XXXX  and take my tax refund. My payments started on XX/XX/XXXX and have come out each month. I did everything that was expected from me. On XX/XX/XXXX I sent them my Hardship package to bring my interest rate back to 10 %. They had doubled my interest rate to 20 % when XXXX was trying to negotiate on my behalf. I have a fax confirmation that shows all pages went through to AAFES. I called AAFES on XX/XX/XXXX to follow up on the interest rate reduction and was told that I needed to call XXXX collections because AAFES sent into to collections on XX/XX/XXXX. AAFES never informed me that they were sending to collections. They had been taking my payment monthly and sending the monthly statement showing my payments. I called XXXX XXXX at XXXX on XX/XX/XXXX and explained all of this. He called AAFES and they told him that they never received my Voluntary signed agreement. I sent him the emails and fax confirmation showing that they are lying. My balance from my statement received shows {$4300.00}. Per XXXX, the new balance with the collection fees is {$5100.00}. I also verified that they're taking my tax refund this week. This is so wrong. I did everything that I was told to. Because they messed up, they're taking my refund and adding {$770.00} to a balance that I was already paying and they've gouged the interest rate. Please help. Thank you kindly.
Product: Money transfer, virtual currency, or money service

Between XXXX & XX/XX/2022 someone hacked my bank account and used XXXX stealing XXXX dollars. Theye added them selves with a name of XXXX XXXX and it had an email address XXXX actually showing it going to a XXXX XXXX. None of these transactions were authorized by me I went to the bank and I disputed them and got a denial letter I already change my password and everything. According to the CF. Website As discussed in Electronic Fund Transfers Error Resolution : Unauthorized EFT Question 1, Regulation E defines an unauthorized EFT as a transfer from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). When a consumers account access information is obtained from a third party through fraudulent means such as computer hacking, and a hacker uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. This includes P2P payments.

I attempted to contact the email address but no luck. I filed with the bank and they basically accused me of giving out my login information even though The branch XXXX and myself made it very clear that I didnt share with anybody. In fact I was asleep when this happened. I want my money back as that is my kids school supply and clothes money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I WENT INTO XXXX  XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT 3 MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE. THESE ARE THE COMPANIES XXXX XXXX WELLS FARGO DEALERSHIP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( RAN TWICE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased solar panels from XXXX XXXX XXXX  XXXX I was told to make a payment even when services have not yet started and the company would reimburse me for that month. I tried reaching the contractor, but could never reach them so then I went to my bank in XXXX, and disputed the payments for the XXXX months, which were XXXX and XXXX, not even XXXX days after the company was calling saying I was 60 days late. I explain to them the situation and who I spoke with which was XXXX and XXXX said to make the other payment. They will work things out and work out the late fees due to the misunderstanding, it is now XXXX months later I have yet to receive my payments and my credit report is reflecting XXXX to 89 days late. The payments were paid in full. I have the payment history in my bank statement for verification. I also have payment confirmation numbers. 

XXXX option XXXX XXXX XXXX XXXX XXXX XXXX department Contractors numbers to contact for my reimbursment XXXX XXXX XXXX XXXX and XXXX XX/XX/24 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

this was added to a bankrupt and when i contacted them they said it was in bankrupt however its still showing on my credit report.
Product: Mortgage

XXXX XXXX My husband was laid-off from his job. We called the mortgage company to see if there was any way we could pay the interest basically if there was anything we could do because we could not pay the loan. We were instructed to submit the Borrowers assistance application. All paperwork was submitted before XX/XX/XXXX. My husband started a new job XX/XX/XXXX. Around this time we received a letter from the mortgage company stating we were eligible for a 3 month forbearance program. At this point we had not paid the XX/XX/XXXX note. The forbearance was from XX/XX/XXXX to XX/XX/XXXX. Once we received my husbands first check I attempted to make a payment online and the system would not allow the payment. At this point I contacted the Mortgage company to try to make the payment I was told because we were in the forbearance program I would not be able to make the payment until the program was complete. My husband was laid off again XX/XX/XXXX and found another job for less money XX/XX/XXXX XXXX. I contacted the mortgage company XX/XX/XXXX to see what our options would be for repayment. She told me I had to submit the borrow assistance application again with the recent month check stubs. I told her my husband had recently got another job and I only had XXXX check stub at that point. She told me I would have to wait to submit. I resubmitted our application XX/XX/XXXX I received letters 3 times on info that was not provided with the application. I submitted the info immediately. On XXXX XXXX we received our evaluation summary from the mortgage company stating the only program we would be eligible for is short sale or deed in lieu of foreclosure. The only other option would be to pay the XXXX we are behind. My husband spoke to someone with the mortgage company on XXXX XXXX and was advised to resubmit our application with the changes we have recently made on some of our other bills. And I did n't realize when I submitted the paperwork in XX/XX/XXXX that I did n't include my husbands truck allowance. I resubmitted by XXXX through email on XXXX XXXX. When we got home on XXXX XXXX we had a notice of default and intent to accelerate letter in the mail dated XXXX/XXXX/XXXX. This letter states we have until XXXX/XXXX/XXXX to bring the mortgage current to avoid foreclosure. We also received a notice of a certified letter that no one was home to sign for. We was told the forbearance was the only program available to us. We was also under the impression that they would work with us to get this account up to date once it was done. In this time our credit score has dropped from upper XXXX 's to lower XXXX 's which we did not realize would happen since we were working with them. All we want is for the mortgage company to not take advantage of us in this situation. We do not want to lose our home. They were very misleading about the end result of this program.