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

XXXX has violated my Federally protected rights under the FCRA. I contacted XXXX today letting them know the account Jefferson Capital should have been removed after speaking with a supervisor he said the request was sent in XX/XX/XXXX according to Jefferson Capital but XXXX said they submitted paperwork saying it mine which is inaccurate. XXXX credit reporting has been very inaccurate as well as my score, my points dropped XXXX points after having a collection removed.. My consumer report needs to be evaluated as my score is definitely inaccurate. Failure to comply will result in a lawsuit.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed unauthorized accounts : ( 2 ) DPT ED/ XXXX opened XX/XX/XXXX, ( 1 ) DPT ED XXXX opened XX/XX/XXXX ( 1 ) DPT ED XXXX opened XX/XX/XXXX ( XXXX ) XXXX opened XX/XX/XXXX ( 1 ) XXXX opened XX/XX/XXXX
Product: Credit reporting

XXXX and Experian keep adding XXXX accounts from XXXX, XXXX, XXXX, VA XXXX to my credit file. I have disputed those XXXX accounts numerous times, they have been removed but months later added again. I also contacted XXXX directly requesting detailed information on how they have obtained my personal info and never heard from them. I 've called several times but was told they can not give information over the phone. 
Those XXXX accounts are not mine, nor do I know who XXXX, I never dealt with them, never gave them my personal and private information yet for some reason they have my info and keep submitting to my file. 
I need XXXX and experian to deny their requests of adding this to my file or provide proper information who they are and why they accept information from someone I have no business with.
Product: Credit reporting or other personal consumer reports

You closed my previous complaint, but it was never resolved. Transunion continues to have inaccurate information on my report. My XXXX credit card account is still missing from my report from Transunion. In XXXX, Transunion reported it as a closed account. I disputed this, as it is an open active account. Their response was to delete it entirely, which negatively impacted my XXXX XXXX. They refuse to reinstate this account, despite XXXX themselves contacting Transunion. The other XXXX credit bureaus have the correct information, but Transunion refuses to correct their own error.
Product: Debt collection

When I moved into my new home XXXX XXXX told me they could provide me with 10 Mbps internet service. After installation was only receiving 1 Mbps. After several phone calls and 4 service repair men attempting to resolve I was finally told I lived too far from the switch and 1 Mbps was the best they could provide. 1 Mbps was useless so I told the repairman that if I wasn't able to receive the service I was paying for he could cancel my service. The {$110.00} dollars for the service never provided is now on my credit report and being collected through enhanced recovery company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XXXX XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX XXXX ARE STILL SHOWING ALL MY DEPT. OF EDUCATIONXXXX LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX account XXXX is being reporting inaccurately by Equifax and entire credit history need to be updated to show paid as agreed on time. Equifax didnt correct this report to report the accurate late payment history and now this is false reporting by Equifax. If Equifax cant furnish documentation directly from Freedomplus proving I was 30 days late consistently on the dates reported the entire late payment history needs to be updated to show paid on time never late because of false reporting by Equifax. False reporting of this account by Equifax is a violation of the FCRA requirements. 

Equifax didnt report the notice of dispute with this account after my first dispute this is now a violation of the Fair Credit Reporting Act requirements by Equifax for not reporting the notice of dispute.
Product: Checking or savings account

First off I want to sincerely thank whomever is taking the time to review this case, I'm sure it's not the most exciting thing. 

Anyways, I will post all fraudulent transaction details below ( at the very bottom, to make it easier ). 

My name is there I hope that's okay but no other revealing information. 

The company denied my fraud claim as you'll see the the " robinhood response '' screenshot BASED on the fact the gmail that was compromised had sent them an email offering them " promotion ''. Of course if somebody has my checking account information and creates an account with them under my email they have access to my gmail account. 

There reasoning went along the lines of " oh we had an email sent to us around the same time the account was opened, thus proving the transactions weren't fraudulent ''. 

They IGNORE all other red flags? I'm assuming they can track IP address locations and what not, why don't they comment on that? Or the fact I have NO history with making transactions like this in my entire life? Or the fact you can clearly see as soon as I saw the balance alert in my email i instantly changed all my passwords INCLUDING my bank password. 

There fraud team has stolen over XXXX $ from me and I would be very grateful if you guys could assist with this. I don't have {$5000.00} laying around, and I work very hard for my money. 







XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN  : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX, XXXX on my credit report for {$1600.00} no account was found in the system has violated my rights.

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, credit repair services, or other personal consumer reports

I sent Transunion a dispute on inaccurate items on my credit report on XX/XX/2021. I'm sure that it takes 7-10 days for them to obtain it and investigate the inaccuracies that are listed on this account ; however it has now been 56 days and I've have yet to hear from them. I don't feel like i'm being heard about the issues that are at the top of my concening issues. I '' ve already sent out a Notice of dispute letter to Transunion requesting that these account be removed ; since it has not been addressed. I'm not sure what to do at this point then to get a third-party involved in our transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry from Factual Data XX/XX/2020 on and XX/XX/2020 on my XXXX, XXXX  and XXXX  credit report. I never authorized this inquiry or told them they could pull my credit report. I am requesting the inquiry to be deleted or changed to a soft inquiry since hard inquiries have a negative impact on my credit score. I already disputed this with the CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non compliance with the CRAs ( Transunion, XXXX, XXXX ). They have failed to remove information that is affiliated with personal details that were challenged in the past. I strongly believe that they are are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Checking or savings account

I am filing a complaint against Navy Federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with sufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

On XX/XX/2023, I opened a Citi checking account. On XX/XX/XXXX and XXXX, I deposited {$550.00}. On XX/XX/XXXX, I put in a request on the mobile app to transfer {$29000.00}. However, the next day I could not find any record of this transfer request on Citi 's mobile app or on the web at Citi.com. Accordingly, as any customer would, I assumed the transfer did not go through. Therefore, I made another transfer of {$10000.00} on XX/XX/XXXX which got deposited into Citi 's account on XX/XX/XXXX. However, the original {$29000.00} did go through ( despite no record of it originally ) and this double transfer got denied because there were not enough funds in the other bank due to the {$10000.00} transfer. This is clearly not fraud and an honest mistake due to Citi 's poor app/web capabilities, yet Citi nevertheless decided to close the account. 

Citi has been holding my {$10000.00} and refusing to give me my money back since XX/XX/2023. It's been almost one full calendar day and Citi is refusing to provide exact details on when I will receive my money back other than a vague " 30-60 day '' timeline. Why would it take 60 days - is the fraud team twiddling their thumbs? Is that calendar days? Is that from the day they blocked the account or close the account? Is the check going to be mailed on the last day so I need to account for more days after 60 days? From the day they blocked my account to the day I get my money back, I could be looking at 90+ days all in all. How is this not illegal??
Product: Debt collection

I am filing a complaint against Citibank NA ( CBNA ) and their attorney, XXXX XXXX XXXX XXXX XXXX, regarding the mishandling of a charge-off account that was transferred to the attorney without proper reporting to the credit bureaus. The account, which is partially reported with the number XXXX, was charged off but not accurately reflected in my credit report under the creditor or the attorney 's name, potentially violating the Fair Credit Reporting Act ( FCRA ). I have requested debt validation from the attorney, but they have failed to provide adequate proof of the debt or validate their right to collect it, in violation of the Fair Debt Collection Practices Act ( FDCPA ). The lack of transparency, failure to notify me of the account 's transfer, and absence of required documentation have caused confusion and negatively impacted my credit. I am requesting that Citibank NA, the attorney handling the account, and the credit bureaus rectify the inaccuracies in reporting and provide proper debt validation. I also ask that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter to ensure compliance with consumer protection laws. I have attached relevant documentation, including my credit report and correspondence with the attorney, to support my claim. 

Attorney 's Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with Regions Bank which Ive been trying to close for months since earlyXX/XX/XXXX, Regions refuses to close it. I have some merchants like XXXX XXXX XXXX and XXXX who charged my account by mistake with automatic payments. I already contacted the merchants and resolved the problem. But Regions keeps charging me overdraft fees ( {$36.00} ) and monthly checking account fees ( {$8.00} ), even though I called over 10 times to close my account. The last call I madeXX/XX/XXXX to remove the overdraft fees which added to {$110.00}, Regions refused to remove the fees and only credited me {$28.00}. This is a robbery pure and simple.
Product: Credit card

I have tried disputing an account with Discover 2 times now. Discover is reporting false information about my account and the credit bureaus are not getting or not providing me with any documents that I requested. I have requested that Discover provide proof of me making my last payment on XXXX of XXXX. My last payment was XXXX of XXXX and this should have gone off my report last year according to the credit bureaus info on their website ; stating 7 years from the original late payment date. Discover is claiming it was current until 2 years later which is a bold face lie. I believe they should produce my account activity including these payments I supposedly made after XXXX of XXXX with copies of checks or debit card info or however they claim I made these payments. There are no documents I can provide to prove I didn't make payments when they claim I did.
Product: Checking or savings account

Per promotional flyer from US Bank, I opened a new business checking account with {$3000.00} with the promise of receiving a {$500.00} bonus for maintaining a balance of the {$3000.00} for 60 days. I have done so and not withdrawn any funds since opening this account on XX/XX/2023. However, US Bank charged me a fee of {$6.00} for mailing me a bank statement on XX/XX/2023 which took my balance below {$3000.00}. I was told when opening this account there were no fees of any kind and I have never been charged a fee for a bank statement from any bank my entire life. I received a refund for the 2 months they charged me for. I can only assume this is how US Bank feels they are not obligated to pay the bonus. In addition I was not allowed to make any additional deposits to this account, hence US Bank plays the gotcha game.
Product: Debt collection

My wifes pursue was stolen before she could contact the card companies the theef had charged some things to the cards. Some how the collection agency was calling me looking for he I 'm her husband. I told the to stop calling me. They would n't stop calling. They laugh at me and said no I 'm not going to stop calling this mumber. I have them on recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation of federal law reporting accounts that do not belong to me and that were opened fraudulently I have filed a police report sent in the copies of that report and a identity theft report copy company is to violation accounts include XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX these accounts are fraud and I will be taking legal action against this company for violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted my current mortgage service company, NewRez, LLC to inquire about current interest rates because I was thinking of refinancing. The person I talked to, XXXX XXXX XXXX # XXXX asked of our names, social security numbers, and some other info. I assumed this was to see what type of credit risk we are ( both XXXX scores north of XXXX ). He said he would research and get back to me. The next thing you know I received an email with a link to sign Initial disclosure forms. I immediately emailed XXXX and reiterated that I DID NOT APPLY for a loan but was merely inquiring about rates. He replied not to worry, that it was just their system automatically responding to whatever he did internally. He said just ignore it. Fast forward to XX/XX/XXXX and we received paper copies of the Initial Disclosure documents in the mail. I want this whole file expunged from their records, any detrimental affect on our credit reports to be cleaned up by them, and for this to have no effect on our current mortgage. I feel, that I was lied to, mislead, not listened to, and handled in a most unethical way. I have attached the cover letter I received for reference.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for their failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent account opened in my name ( Account # XXXX ). 
Timeline of Communications : XX/XX/2024 : Sent initial identity theft notification letter including : FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document with highlighted FCRA obligations Request for removal from all three credit bureaus Certified Mail Tracking # XXXX Delivered XX/XX/2024, at XXXX XXXX  XX/XX/2024 : Sent follow-up letter including : Police report FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document To date : No response received by either myself or my power of attorney Legal Violations : Section 623 ( a ) ( 6 ) of the FCRA requires that upon receiving notice of identity theft : Furnishers must cease furnishing information relating to the consumer to any credit reporting agency Furnishers must notify all credit reporting agencies that previously received the information that the information was fraudulent Furnishers must implement reasonable procedures to prevent refurnishing of the fraudulent information Section 623 ( a ) ( 2 ) of the FCRA requires furnishers to : Conduct an investigation upon receiving notice of identity theft Review all relevant information provided by the consumer Report the results to the consumer XXXX has failed to meet any of these obligations despite : Receiving proper notice via certified mail Being provided with comprehensive identity theft documentation Receiving a follow-up communication with additional documentation Being explicitly informed of their legal obligations via the CFPB notice Impact : This continued reporting of fraudulent information has : Damaged my credit score Caused significant emotional distress Created financial hardship Required extensive time and effort to attempt to resolve Generated unnecessary legal expenses Requested Resolution : Immediate cessation of all reporting related to this fraudulent account Notification to all credit bureaus that the account is fraudulent Removal of all related information from my credit reports Written confirmation of all actions taken Implementation of procedures to prevent refurnishing Compensation for damages incurred due to their negligence I request that the CFPB investigate this matter and ensure XXXX 's compliance with their obligations under the FCRA. Their continued failure to respond or take appropriate action demonstrates willful noncompliance with federal law.
Product: Credit card

I had autopay set up on my XXXX XXXX offered through Wells Fargo from when I opened the account in XX/XX/year> and paid my full balance on the due date every month. Somehow autopay was turned off without my knowledge or consent. I noticed this 6 days after the due date, manually paid in full, and was charged {$190.00} of interest on an {$11000.00} balance. I asked Wells Fargo to waive this interest charge given that it seems a technical error caused this issue and the most they were willing to waive was {$50.00}.
Product: Credit reporting

I initiated a dispute with Equifax. I filed a complaint with CFPB regarding Equifax not following policies and they refused to respond with the following statement : Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process. However, I am not using a credit repair company. I have been dealing with Equifax for years alone. Previously XXXX account for XXXX XXXX was deleted from my credit file last month and then re added. There are XXXX listings on my credit report for XXXX XXXX. Neither of them should be there. Equifax sent me a letter stating their process which clearly has not been followed and I know the process. The XXXX listings are still on my credit report and need to be removed.
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 ; I did not give any written instructions to furnish my account, to these listed consumer report agencies mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : B & F FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.