23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Navy federal placed a permanent restriction on my checkings and savings and membership acct, stating the restrictions are due to suspicious activities after contacting them via phone as well as visiting a Navy Federal local branch. Furthermore, I then received correspondence from them via US mail stating that my acct is restricted due to mis-handling my acct in the past. For the record I have done neither accusation mentioned above. I would like the restrictions to be removed from my acct so that I can resume with my normal life. Navy federal is treating me unfairly and unjust. Please help me correct this matter.
Product: Credit card or prepaid card

I went to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. XXXX. On XX/XX/XXXX, XXXX XXXX processed a XXXX XXXX payment of {$390.00} payable to Discover. The payment went through but a wrong account number was referenced. Discover received and cashed the payment ( According to XXXX XXXX and the XXXX XXXX ) I have been working with XXXX XXXX who is the supervisor ( XXXX ) XXXX and/or XXXX. Discover first requested a copy of the receipt which was provided. Then they came back requesting I tell them the account number the money was deposited to. I told Discover they would have the information, not me. I had a three-way call with Discover and the XXXX XXXX . Discover requested a routing number and the endorsement of who cashed the check. I have had to open 3-4 dispute resolution requests. Discover just keeps closing them and sending me a letter saying it has been resolved. Discover credited my account about 4-5 months later. In XX/XX/XXXX they placed the chargeback on my credit card saying they credited the account one too many times and I now owed them the original disputed amount. I have filed a complaint with the XXXX  and Discover refuses to budge.
Product: Credit reporting or other personal consumer reports

Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy B from the IRS/XXXX  XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) , theyhas failed to update my account to reflect the paid-in-full status. 

This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I regularly check my credit report via XXXX XXXX, i continue to see old credit accounts that have been paid off but still show on my credit reports and continues damage a once good to better CREDIT SCORE AND IS TROBLING TO CONTINNUALLY GET TURNED DOWN FOR A LINE OF CREDIT OR LOAN TO PAY OFF MY CREDIT DEBT I AM RUNNING OUT OF OPPORTUNITIES TO ELIMNATE THIS CAN YOU HELP.
Product: Credit reporting or other personal consumer reports

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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  : 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

I didnt apply for this Best Buy credit card and they were payments in my name was taking out of this account and my checking accounts were taken over by a fraudster and I call Best Buy and told them I didnt applied for the credit card in my name and I ask them to return the payment of {$1500.00} that was made on XX/XX/XXXX back to Citibank and I didnt make this payment and I dispute it with Citibank and it was denied and Citibank NA is putting me in debt over this amount and I will not pay for it ... Best Buy has closed this fraudulent account and continue to send me mail to a vacant address and I had to drive and pick up the letters and I dont live there all and they was credit card send there as well and I didnt apply for it and I want the payments and all the ACH peyments return back
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a company with all three major credit bureaus. One particular company XXXX XXXX was disputed and came back verified with all three bureaus. I contacted the BBB about this account that I have no knowledge of and the results came back they they were unable to obtain documentation to validate the debt. The BBB obtained a statement directly from XXXX XXXX XXXX XXXX. I would like to know how these Bureaus validate and verify this information. On XX/XX/XXXX Equifax verified as my debt, but on XX/XX/XXXX, I received the message from the BBB in regards to this company. I think it 's unfair that the Bureaus can slap unverifiable information on consumer reports and not even attemp to rectify the issue. I had to write multiple letters and make multiple complaints to prove this debt was n't mine. I want this item removed from each of my reports from each of the bureaus immediately. I want all negative and collection items on each of the reports, from each bureau validated with documents that they have recorded and retained in their files. I also want to know if there is any further action I can take. This is the second time that I have had to hunt down information that is placed inaccurately on my reports that has been reported as verified. I have included a file of the letter from the BBB as well as the Equifax response of verified. Please help me on this matter.
Product: Credit reporting or other personal consumer reports

Please see attached docusfaments. Do not close this complaint stating it is not me. I am a natural person and a conssafmer.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$8000.00}
Product: Vehicle loan or lease

I purchased a XXXX used XXXX XXXX from XXXX XXXX XXXX XXXX they eventually wenyout if business and I started getting all these late fee and interest charges on a XXXX car note I put XXXX down in XXXX they damaged my car while they had in for service messed up the turbo jets they claimed the replacements it it was used parts they put on charged me over XXXX to get it back while at the same time they put my car up for repo while in their custody a second time charged me and my car was damaged charging me a expensive fee I couldnt no longer afford it after I shouldve been done paying this off in XX/XX/XXXX I had to get rid of it the damage it during hurricane beryl while in their custody and refused to fix it I was charged w more fees and they said I still owed XXXX and some left at this may years it robbery I tried calling them so many times but they refused to assist me
Product: Credit card or prepaid card

Chase Freedom Unlimited credit card # XXXX XXXX XXXX XXXX Received card in the mail on XX/XX/XXXX, never ordered the card. Called the company to tell them and they cancelled it. 
Problem, because of Identity theft early in XXXX, I put a freeze on my S.S. number, still in effect today. 
So this company is handing out credit cards without checking or verifying the SS number. 
I can't help but wonder how many thousands of other folks this is happening to. They really need to be investigated! 
Thank you for your help, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with Equifax requesting method of verification. This has been going on for months now. They never provided proof and removed the account on XX/XX/XXXX, still got no proof and it was put back on my credit 4 days later. This is a violation of the FCRA. Look at the previous complaints where they say they sending me proof. All they ever say is account verified. Where is the name, number, and address off the person who verified the account. There is no proof the account is mine and no signed contract. The other bureaus followed the FCRA guidelines and deleted it. Where is my Method of verification Equifax.
Product: Credit reporting or other personal consumer reports

I opened my loan in XX/XX/XXXX with XXXX. I paid it off around XX/XX/XXXX. My account has vanished on my report. I paid every month on time for over 4 years and it isnt showing at all.
Product: Credit card

On XX/XX/23 I made a purchase using my Chase credit card in the amount of {$470.00}. 

The item says it was delivered on XX/XX/23, however I was not able to find the item and reached out to the merchant on XX/XX/23 at approx XXXX. The merchant representative told me that, since the item was stolen, I needed to file a police report. The representative also told me they would not issue a refund and that my only recourse was to hope the police recovered my missing item. 

I filed a police report, and then I disputed the transaction with Chase. 

On XX/XX/23 Chase uploaded a document to my account which stated that Chase believes the charge is valid, and included in the document were copies of the merchant 's receipt, a copy of the map of the city, and a photo of the merchandise sitting on the ground. Nowhere in the documentation is there any mention of where I can submit my supporting documentation. 

On XX/XX/23 I called the Chase dispute department and asked how to submit my supporting evidence, and the representative told me " Chase disputes no longer cover theft and this issue is considered fully resolved. '' This is in violation of the information listed on the FTC 's website regarding credit card disputes. Furthermore, in Chase 's own supporting documentation for the Chase Freedom Unlimited credit card it specifically states " XXXX XXXX protects against theft of, damage to, or involuntary and accidental parting with new retail purchases within XXXX XXXX XXXX ( XXXX ) days from the date of purchase. '' Chase is blatantly violating FTC regulations and is violating their own terms of service for their credit cards. 

I've also included a copy of a photo of a sign the property management company hung in the lobby of my apartment building because someone broke in and stole a bunch of packages from people. I would be happy to provide Chase with a copy of the police report number once a representative from Chase reaches out to me.
Product: Money transfer, virtual currency, or money service

XXXX IS RUNNING AN AD ON XXXX, LURING SENIORS TO WALMART MONEY CENTERS TO SET THEM UP FOR WIRE FRAUD AND SCAMMERS.
Product: Consumer Loan

On  XXXX  .17 I ag reed to a purchase in the total amount of {$2500.00} from  XXXX   XXXX . I also took advantage of their advertised  12 mo  same as cash promotion.    Late  XXXX /early  XXXX   I received a call from someone who identified themselves as being a collector from Fortiva Retail Credit. I informed the caller that this was my initial contact with Fortiva and that I had never heard of them. The caller told me I need to pay approx. {$300.00} immediately to bring my account current or a delinquency would be reported on my credit report and that the 12 months same as cash offer from  XXXX   XXXX  was no longer an option due to my being late with my initial payment. I was told the total amount of my account was now over {$2800.00}. They also told me they accept only payments directly from my checking account and I would need to use my bank debit card.   I again informed 'collections ' that I had never heard of them and asked that they at least send me some verification of who they are and their connection to  XXXX   XXXX . I was told I would receive my documentation in the mail within a week. On  XXXX  .17 I rece ived my initial piece of mail from the company with an account # and balance, address, payment information, etc. I immediately called Fortiva offering to bring my account current but only if they would honor the origi nal 12 mo sac     agreement which they refused to do. I then offered to pay the original amount in full immediately but they insisted I owed them over {$300.00} in finance charges + late fees and could not do anything about derogatory remarks on my credit.   I have since spoken with their collection department several times, not including the many calls from them prior to having received my initial statement, but they insist on payment of all interest and fees. They can not allow me to discuss the matter with customer service until the account is paid to date bringing it out of collections.   I have no recourse but to pay their fees or have my credit ruined apparently. I did an online search of Fortiva and many reviews state the company engages in this activity as a matter of practice.   I want to note that   XXXX    XXXX  was given my current address, phone # and email information. They delivered the initial purchase to me by truck approximate ly 2 we eks after my purchase, sent follow up emails, called me during the purchase process and nothing has changed.
Product: Credit reporting or other personal consumer reports

I submitted a dispute letter to all the credit agencies asking for my personal information be updated, misspelled names to be removed/corrected, old phone numbers to be removed, old employers to be removed, and to update my social for none that information was correct and/or didnt belong to me. This issue has not been resolved as of yet. Ive disputed hard inquiries that wasnt authorized by me nor do I have any open accounts with those companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received confirmation that the inaccurate addresses were deleted from my credit file but as of today 's date, the addresses still remain. On XX/XX/XXXX I sent Equifax a correspondence asking them to remove the incorrect addresses as they stated that they would but as of today 's date, the addresses still remain and the Credit Reporting Agency has not respond. Credit Report dated XX/XX/XXXX still show incorrect addresses
Product: Debt collection

Carter Young is fraudulently verifying account XXXX on my XXXX   report. 

Carter Young Inc is still attempting to collect on a debt that was already PAID to the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid the original creditor on XX/XX/2020, however Carter Young is still Fraudulently verifying this debt on my XXXX credit report.

This is fraudulent reporting because Public Law 104-191 ( " HIPAA '' )  since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. 

I demand XXXX and Carter Young DELETE ALL. references to this account IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Ma'am : I have made several attempts to have an item on my credit report reinvestigated to no avil, not only did XXXX take longer than 30 days to respond to my initial request, they also failed to send me any documentation verifying the accout. I have sent out 3 letters and they have refused to remove the infomations of varify it as accurate. I had the same issue with Experian, they didn't even give me the courtesy of responding to my letter with a return letter.
Product: Credit card or prepaid card

I began to fill out application and it auto applied for me based off my Amazon account. This had the wrong details because Ive had a legal name change. 

When I went to call the credit company they were insanely rude. Kept talking over me. Insisting I was wrong. Calling me by the wrong name. Hung up on me.
Product: Debt collection

I received a phone call from a XXXX XXXX from XXXX on Wednesday XX/XX/XXXX, stating he was calling from a law firm XXXX XXXX XXXX XXXX. He advised I would be getting served court papers regarding a debt he stated I owed to Bank of America in the amount of {$2400.00} from XXXX. He also included the company had sent out multiple letters regarding the debt and could settle for {$500.00} in which I had no regulation of the debt but I stated I could Pay {$370.00}. I called him back Thursday XX/XX/XXXX to try and get some information on the debt he stated I owed because I did not want to be taken to court as he stated and was told the law firm has already done their due diligence and did not have to provide me with any proof at this time and if I did not pay today they would pursue the process and take me to court. I then paid the {$370.00}. I am now upset because I feel this was very misleading and I was taken advantage of. I am unable to find this company anywhere.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX Balance : {$5200.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Experian XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX via XXXX XXXX  inquired on XX/XX/ XXXX XXXX XXXX  inquired on XX/XX/2022 and XXXX XXXX via XXXX XXXX inquired on XX/XX/. 

The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 1 year ago and 30 days ago, I sent a letter. Regional Finance XXXX XXXX XXXX XXXX XXXX, SC XXXX account # XXXX they have been reporting on XXXX  and XXXX  that I have an account with them that was charged off. I have never owned or asked for any loan with this company. I have repeatedly asked for XXXX and XXXX to remove it and it comes back as verified as accurate, which is not. I also sent them a letter, but they never responded.