23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

No communication with me ( alleged debtor ) Company acquired my work contact illegally.

Contact has nothing to do with any financial contracts, they are a work colleague.

Company keeps calling my contact and leaving voicemails for me. 
If I call that number they will report the debt to reporting agency and state that I called them confirming acknowledgement when I was only trying to call them to stop them harassing my contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a credit card on XX/XX/XXXX for Double Cash with XXXX they denied my application so on XX/XX/XXXX I called to see if they would reconsider giving me the card it was a no. so I recently got a copy of my credit report and what did I see but not one but 2 inquiries on the same agency on the same week one on XX/XX/XXXX the other XX/XX/18. I did not consent at all for two pulls in the same week called them and they just gave me the run around and denied me from too many inquiries and two of them were from them, I need these to be verified. send me written proof of these or please remove them
Product: Credit card or prepaid card

On XXXX, I upgraded my American Express Gold card to the Platinum card and successfully met the expenses requirements to receive XXXX bonus points. However, I later downgraded my card to Gold on XXXX unaware that doing so would result in the removal of my bonus points. Despite contacting customer service on XXXX to cancel the downgrade and recover my points, I was informed on XXXX that there was nothing that could be done to resolve my case. It is disappointing that I was not warned about the potential loss of bonus points during the downgrading process, and the lengthy disclosure made it challenging to find this information. I am hoping for a satisfactory resolution to this issue.
Product: Debt collection

Company refuses to provide any information or documentation of this account. They are requesting my information-ss #, DOB, and address but when I refuse they hang up. My certified letter came back attempted- not known not willing to give any information without my information
Product: Debt collection

Original creators are XXXX XXXX  was in XXXX. This just appeared on my credit out the blue. It was resolved years ago. This hasn't been on my credit report since XXXX it just appeared.. Documentation is attached. Please remove from my credit file. It's been 7 years from the original debit.
Product: Money transfer, virtual currency, or money service

I'm not sure which are all involved but Coinbase, XXXX, and XXXX XXXX are all involved in my situation. I've had over {$74000.00} on the Coinbase exchange. On XX/XX/21, according to XXXX XXXX, someone did a remote sim swap on my phone on XX/XX/21 at XXXX. Which i had my phone with me and the sim card was in it. When i got home i went to check my account and it said no service. thats when my wife called XXXX XXXX and was given the sim swap info. Which we don't know how they would get through the security questions to do this and the PIN number. 
Coinbase doesn't have live support and through email they told me they can't reverse a transaction. Thats all i've gotten out of them. I lost over $ XXXX and I filled a local police report out to XXXX XXXX Police Department in Florida, case # XXXX. FBI said they wont help because its not over $ XXXX. We cant get anyone to help us with this or point us in the right direction. I did some research and found out XXXX had information leaked that involved Coinbase information which would make sense that they knew i had crypto, but still doesn't explain how they got through XXXX XXXX and the Pin # and how they knew my SIM card number to swap. We are lost for words, no help, XX/XX/XXXX to our stomach and being lead in circles. I can send screenshots on request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own this account! This account does not belong to me! I have never opened a card or loan with this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I sent a certified letter to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting verification of the debt I allegedly owe. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, XXXX, and Experian ). I never received a response back for the information I requested. From my understanding I have a right to dispute this information and receive a response. The Fair Credit Billing Act ( FCBA ) lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute. For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field XXXX XXXX Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). The account number is redacted and could be any range of numbers belonging to anyone. This is also, a possibility of this being a mixed or merged account. Do not include embedded blanks or special characters. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported. Additionally, this account has not been marked for dispute when I sent the letter disputing the debt. 15 U.S.C 1681s-2 ( B ) ( 3 )
Product: Checking or savings account

Hello good afternoon my name is and XXXX XXXX XXXX I have a checking account with Citibank every two weeks this bank is over drafting me on so much fees now I looked on my account and it is showing I owe them XXXX cent I called them today a few mins ago and asked why do I owe them that amount they charge me a XXXX dollar sevrvuce fee then a XXXXdollar non atm fee and another XXXX dollar drafting fee Citibank is robbing me this is every two weeks they are doing this not only to me Im sure millions of people Im ready to cancel my banking with them cause its too much they are thieves I have a family and bills and rent to pay cant take them anymore
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act, 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As a federally protected consumer I have the right to make sure my nonpublic private information is protected. The previous statement is also backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX  XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, XXXX and TransUnion are consumer reporting agencies. Per the Privacy Act of 1974 it states No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I have requested documentation with my WET INK signature in which I gave consent. If said documentation is NOT furnished such items must be removed IMMEDIATELY. Per FRCA as a federally protected consumer I am opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. This is effective immediately and indefinitely. 15 USC 6802 ( b ) ( c ) also states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX is the financial institution referenced in this report. I was never clearly and conspicuously informed of my right to exercise my nondisclosure option. 15 USC 1681a subsection 2, exclusions except as provided in paragraph ( 3 ), the term consumer report does not include, report containing information solely as to transactions or experiences between the consumer and the person making the report ; Said code states reporting transaction history is illegal, information must be corrected. 15 U.S. Code 1681b - Permissible purposes of consumer reports ; Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( sub section 2 ) In accordance with the written instructions of the consumer to whom it relates. To reiterate I never gave consent to third party companies, affiliates, non-affiliates or creditors to have anything added to my consumer report to any of the credit reporting agencies, a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased office furniture and they never sent me a bill but then reported me late to the credit bureaus. We knew a payment would be due, we just did n't know when and they never sent us a bill. By the time we got it straightened out we had a late payment on our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up. 



There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up. 


There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX  XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection on my credit report, I have never done business with this company. I have never received mail from this company and they have not validated this debt. I disputed the debt and have not received anything is writing showing I own them money. 

XXXX XXXX : Collection agencies must validate the debt. Within XXXX days of the first contact, they must send you a letter detailing the amount owed, the name of the creditor, and how to dispute the debt. 
Dispute the Debt : If you dispute the debt in writing within XXXX days of receiving the validation notice, the collector must stop all collection activities until they provide verification of the debt.
Product: Credit card

This issue is deeply concerning to me, as it is affecting my ability to sleep. Considering my consistent history of timely payments, I urgently request an immediate update to my account to alleviate the distress it is causing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  collect to report accounts on my credit report that are and has been reported as identity theft through FTC. Inquiries as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many mistakes in my report, I demand the following accounts be verified or removed immediately : XXXX XXXX CT NJ XXXX XXXX : unverified account XXXX Account # XXXX : unverified account XXXX XXXX XXXX Account # XXXX : unverified account XXXX Account # XXXX : unverified account XXXX Account # XXXX : unverified account
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 itemsI '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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Although we received an initial COVID-related forebearance, we were misinformed by the mortgage servicer about important changes set forth by the XXXX XXXX XXXX or ( the HFA ) which is applicable for this federally-backed loan serviced by Wells Fargo ( the Servicer ) and have been taken into effect since XXXX of last year. According to the measure, based on the date of the initial XXXX Forebearance and the fact that the National Emergency is thereafter to be extended by XXXX XXXX in early XXXX which should have given us a payment extension to XXXX months ( not XXXX months ). Without the instructions we received from an XXXXapproved housing counseling agency, we would be kept in the dark about more rules which otherwise should have been provided us more available options that fit our situation best as part of their service. As we learn, we continue to believe that the mortgage servicer has been repeatedly providing tremenduous disservice to homeowners like us. Plus, the correct date when we received the approval for our first payment extension was on the XXXX XXXX XXXX ( not the XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am very young and I never had no credit I finally applied for a secure card and found out I had negative item on my credit file. I tried to dispute the information with Equifax several time and no written verify information never was mail to my address so how can you even say this is my Debt. I even sent Equifax my Police report when I got XXXX in XXXX a couple years ago.
Product: Credit reporting or other personal consumer reports

XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  of Complaint : This XXXX XXXX XXXX XXXX XXXX to XXXX  pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUni dit reporting actency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Student loan

Called customer service to ask for a forebearance, was directed to hold for over 4 hours with no human answering to deal with my inquiry, and during the holding an automated message directed me to a nonexistent concierge service for scheduling a callback. All of this happened between the hours of XXXX and XXXX CST on  XXXX XXXX, 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a
Product: Mortgage

Payment was sent on XXXX XX/XX/2023 and refunded to my bank account on XXXX XX/XX/2023. My bank stated there was no explanation as to why it was refunded from Freedom Mortgage. Spoke with several people in the payments department : they stated they never received a payment, nor can they find the message I sent to them via their message center on XXXX XXXX.
Product: Checking or savings account

To Whom It May Concern, I am filing a formal complaint against Navy Federal Credit Union ( NFCU ) for mishandling my fraud dispute regarding unauthorized transactions totaling {$1400.00} made by a fraudulent business, [ Name of Matchmaking Institute ]. 

I initially filed a fraud claim with NFCU after this business withdrew funds from my account without my consent. Upon reporting the fraudulent activity, NFCU requested supporting documentation, which I promptly provided multiple times. However, NFCU wrongfully denied my dispute, falsely claiming that I had not provided the necessary information. 

Despite my repeated efforts to resolve this issue, NFCU has continued to allow this fraudulent business to withdraw money from my account. Their negligence and lack of professionalism have resulted in an unfair financial loss of {$1400.00}, which I believe should be refunded immediately. 

Complaint Summary : A fraudulent business, [ Name of Matchmaking Institute ], withdrew {$1400.00} from my account.

I reported the fraud and filed a claim with NFCU.

NFCU requested documentation, which I provided multiple times.

NFCU wrongfully denied my claim, stating that I had not provided the necessary information, which is false.

NFCU has failed to protect me as a customer and continues to allow unauthorized withdrawals.

I believe NFCUs actions ( or inaction ) are unfair and violate consumer protection laws. As a financial institution, they have a duty to protect their customers from fraudulent activities, and they have failed in that responsibility.

Resolution Sought : I am requesting the CFPBs assistance in ensuring that NFCU : Reopens and properly investigates my fraud claim.

Refunds the full amount of {$1400.00} related to these unauthorized transactions.

Provides a detailed explanation as to why my dispute was wrongfully denied despite sufficient documentation. 
Improves its fraud resolution process to prevent other consumers from experiencing similar negligence. 
I appreciate your time in reviewing my complaint, and I look forward to a resolution. Please let me know if additional information is needed.
Product: Credit reporting or other personal consumer reports

I have recently learned that I am a victim of identity theft, as I looked at my credit report I noticed inquiries attempt on my credit report of car dealers and possibly banks, I am taking all the proper procedure and reaching out to all the proper agencies and companies to ensure my name is cleared of this fraud to avoid any further damage to my persona and name.
Product: Credit card or prepaid card

My credit card account was accidently pulling from the wrong account from my credit union to the Chase Credit card ( the ACH account number was off by one number ). I didn't notice it for several months but my balance was always paid on time and without any delinquency. In XXXX, I contacted my credit union to have the funds paid from the right account and they suggested having Chase reverse the fees. Chase proceeded to tell me they would do that for me without issue. On XX/XX/2020 the amount of {$1800.00} and XX/XX/2020 {$460.00} were paid in full from the reversed charges. My balance was zero at the time from the reversed charges. 

Chase and their backend process now started having issues and an ACH stop payment from the account. Despite paying for all the charges that I had incurred from the beginning of the year, they started to rebill me for the payments that I had made. I started having returned payment fees and they would not backdate the payments that I paid in full. My credit dropped 196 points. Random charges started showing up from returned payment despite my account being paid in full. Never at anytime was Chase ever not without a payment. I've been on 6+ phone calls for an average of 30 minutes to have them correct their backend issues. Because of their back end issue now they have closed my account because of whatever reason. 

1. They ruined my credit by 200 points. 
2. They won't backdate the payments despite paying it in full and was never delinquent. 
3. I have called XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 with them continually adding fees that should never have been incurred. 
4. They have closed my credit card account now despite being in great standing with them for no reason. 

My credit card was started XX/XX/2020. As a consumer I am very frustrated with how this handled. I tried to do the right thing once I discovered the mistake. But all it turned into was a big headache.
Product: Credit card or prepaid card

Juniper AKA Barclays took my payment out of the wrong account which I have n't used for over a year, put that account {$190.00} in the negative. They refuse to do anything about it besides try to give the money back which could take 30 days and more fees spiralling my account farther into the negative. Barclays also r efused to cover the charges to my account caused by non sufficient funds.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I have talked to a agent and a supervisor but they couldnt help me delete my account thats is permanent limited they asked for a bank statement and I told them I cant get XXXX or dont have XXXX I am requesting yall to delete my account ending in XXXX.