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

My Husband, XXXX XXXX, has attempted to resolve an issue with XXXX XXXX obtaining his Credit Report information and have not received resolution due to Discriminatory Practices exhibited by Equifax with blocking the XXXX XXXX from pulling his Equifax Credit Report. 

We have call multiple times and XXXX XXXX states that they keep the same error message, although Equifax claims there is no XXXX XXXX or Security freeze on his report. 

We Protected U.S. Veterans and XXXX XXXX Americans who are attempting to gain access to financial resources, however, we are being blocked due to Equifax 's illegal biased discriminatory practices. 

He called the Equifax Fraud line 3 times and they assured him they have no fraud alerts, however, they have not updated their database and are on purpose blocking us from obtaining financial credit. 

XXXX XXXX can also attest to this action as well, as they have attempted to run his Equifax Credit Report but receiving no information and specifically stated their error message includes " Report Not available for Delivery ''. 

These are discriminatory practices in attempt to keep XXXX XXXX Americans form obtaining XXXX. 

I also had the same issue with XXXX who is blocking " FIGURE '' Home Equity Online Application from obtaining a Soft Inquiry Credit Report as we well. These are also illegal practices and XXXX states the same thing that there are no Security Freezes or XXXX Alerts on my account. However, when I called FIGURE back to inquire and confirm, they stated they are receiving the same error message on their attempt to pull my credit for progressing to the next stage of the application process to accept an Offer for the a potential Home Equity Line of Credit. 

These are discriminatory practices being exhibited by Equifax and XXXX, as the companies are confirming they have made several attempts to pull credit to no avail.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist., ( please remove these accounts before I seek litigation for the deamination of character ) XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  balance {$0.00}.
Product: Credit reporting or other personal consumer reports

Im asking that the closed account be removed from my credit report and an 1099 form be sent to me with original signature on account
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX added debts to several previous tenenats and then immediately sold them to debt collector right before closing their entire company. I didnt find out for several months until it was on collections on my credit. The new property management company doesnt have information because XXXX never transfered their information to the new company. The debt collection agency had a person claiming to be an attorney not with the collection agency telling me that the property bought back the debt and hired him. This is untrue since he is an employee of the collection agency. I proved i do not owe this debt however there is no end in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three hard inquires one is from On-site Manager Inquiry from XX/XX/XXXX, I never heard of them before. As well as I never applied for anything in XX/XX/XXXX. That's false identity and consent. Secondly, I have two hard inquiries from XXXX XXXX Bank Usa Inquiry from XXXX XXXX, XXXX and XX/XX/XXXX. On XXXX XXXX they had advertised credit card base off your credit score. Around that time, they had offer XXXX XXXX and it stated free credit check, no hard inquire for applying. I had applied not knowing it would affect me later on, until I saw it on my credit report. I have tried to dispute this case but no action has been taking place.
Product: Checking or savings account

I am writing a complaint against Navy Federal Credit Union regarding multiple overdraft fees I've 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 insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX {$5400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXXXXXX {$4000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7300.00} Dat Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX {$1900.00} Inquiries XXXX XXXX  {$5400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX$4000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7300.00} Dat Opened XX/XX/XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX {$1900.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

Discover is a card company who process application for applicant who are in need of credit. Discover is falsely advertising that they have millions of dollars to offer consumer ( s ) who qualify for instant credit. My complaint is against Discover card and the card company ' affiliates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX number : XXXX I have enclosed XXXX XXXX letter of deletion!!!! I am demanding that you delete this immediately Bankruptcy # XXXX ( Nevada  ) This is proof that XXXX is Direct Violation of : 15 USC 1681 A2b, 15 USC 1681 b, 15 USC 1681 a, Rule ( 9037 ), My name is XXXX XXXX XX/XX/year> Re : Bankruptcy # XXXX State Of Nevada  I am writing to you because I have bankruptcy information appearing on my Consumer Report Case number XXXX State of Nevada  XXXX stated verbatim from that the information was indeed verified by : ( Nevada Bankruptcy Court ) State Of Nevada US Bankruptcy Court The court house responded that this is either an error or a lie!! They never verified anything at all!! I have no bankruptcies on file at all!! XXXX XXXX has also deleted this fraudulent information as it was determined that this is a case of mistaken identity!! I am demanding that XXXX as well as XXXXXXXX XXXX XXXX, as well as XXXX, Delete this information immediately This inaccurate fraudulent information is still appearing on my XXXX Credit Report!! XXXX is in direct violation of : 15 USC 1681 A2b. 
I have enclosed documentation!! This is a violation of the FCRA, a violation of my rights as a consumer!! XXXX is reporting fraudulent information illegally!! I am demanding that this is deleted immediately off of my consumer report!! If this is not deleted immediately!! I will contact my attorney!! XXXX is in violation of reporting an error or a lie!! according to them ( XXXX ) they got this information verbatim directly from the courthouse!! The courthouse determined that was an error or a lie I was told verbatim that the court did not verify as such therefore, this is an error or a lie .. XXXX are reporting inaccurate information!! This is caused mental anguish and stress due to the fraudulent statements reported by XXXX!! I have a right to a fair and accurate credit report according to the FCRA XXXX is guilty of violating my rights as a consumer they are continuing to report false information!! I am demanding that this bankruptcy is deleted immediately off of my consumer report : Bankruptcy # XXXX I demand this is deleted immediately!! If not I will contact legal authorities as well as my attorney!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Emergency update to original case RE : Consumer Financial Protection Bureau Complaint No : XXXX for PayPal. I contacted the scammer XXXX XXXX, through a new number which he actually responded. My screenshots provided here will prove to you that he is in fact the scammer. Please be advised that the screenshots have some explicit content from " XXXX '' 's text but I have tried my best to cover it up. He first stated that I had the wrong number then came to the point where XXXX stated " Stop asking for a refund '' and lastly " he would do it again '', meaning he would scam me or others again. Is this what PayPal stands for? Letting scammers continue to scam people with proof from the victim? I do not want to wait 10 days. I want my {$130.00} back immediately or I will file a chargeback for fraud with my credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an evacuee of Hurricane Maria hitting XXXX XXXX in XX/XX/XXXX. There was no communication, Internet or mail. My family an I moved from XXXX to XXXX and when I contacted Nelnet ( student loan agency ) they had placed my account into a Natural Disaster Forbearance which was for a 12 month / 1 year period. At this moment I am still under this Forbearance, I am in Good Standing and my next payment is due on XX/XX/XXXX. My dispute is that on my credit report is showing two 90-120 day late for XX/XX/XXXX and XX/XX/XXXX. I need these lates to be removed from my report as it dropped my score and I am having problems to get a mortgage or lease in XXXX. I did not receive any email from them, they allege mail was sent however I moved and made change of address accordingly.
Product: Vehicle loan or lease

Opened : 2016 Amount XXXX Reporting a eviction in my credit report that I gave no acknowledge of.
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 3 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information, which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Money transfer, virtual currency, or money service

My son 's computer was somehow used, on XXXX XX/XX/2021, to hack into my PayPal account and purchase two gift cards for {$55.00} and {$56.00}. The companies that the gift cards were through were : XXXX ( {$56.00} ) and XXXX ( {$55.00} ). In addition, they purchased {$100.00} of Bitcoin ( BTC ). The gift cards equaled the amount that was in my PayPal account and the Bitcoin was purchased with my linked bank account XXXX. XXXX was able to give my money back because they believed it was a fraud. PayPal, on the other hand, did not reimburse me saying, " The case was closed as this transaction is ineligible for PayPal Purchase Protection. '' I have spoken with PayPal several times on the phone and filed four claims for the gift cards purchased under my son 's name ( XXXX ) that I have never received, but have been denied reimbursement all four times. I have contacted my insurance company, XXXX XXXX XXXX, and they have been helping me try to recover my money. The agent 's name that is assisting me is XXXX XXXX and her email is XXXX. XXXX also put in a claim through XXXX and it was denied because they saw no fraud. I also submitted a police report through my local sheriff 's department and filed an IC3 complaint through the federal government. Furthermore, the criminals who hacked my PayPal account changed my SSN and my Password. I was able to change the password and put my original SSN back in. What makes this even more obviously a fraud case is that I have never purchased Bitcoin or gift cards from these companies or ever for that matter. Additionally, the Bitcoin was purchased at XXXX XXXX  my time. I was asleep at that time.
Product: Student loan

initially I was not informed about the switch from XXXX to navient. I over looked that. then I never got any letters about my loans. so I tried to log in. it failed and I went through all sorts of trouble shooting stuff. months later finally logged in. they had my address entered incorrect and with everything else it made me XXXX months in default on my loans. with XXXX they were in forbearance and since I was never notified of the change for almost a year ( saw a commercial ). now I am {$200000.00} in default on my student loans and they will not to anything to help me fix it.
Product: Credit reporting

Along with disputing a certain negative item I wanted removed from my report, I also asked that all the prior negative PRE-Bankruptcy ( as it was discharged ) things removed as well. There are still many items killing my score, that should have been rightfully removed as of discharge. This is with all bureaus. My score dropped over XXXX points, marking an account closed ( XXXX-I do not have an issue with them-just the bureau ) that was never added in the 1st place, now it 's a HUGE negative factor killing me. I have explained to these bureaus that I am trying to buy a home not long from now and want the bad stuff removed, and all these bureaus are doing is making everything worse, they are so quick to report all the bad stuff, but take forever reporting the positive. This is ruining my, and many other peoples financial futures. I was forced to buy a car-and because of these XXXX companies, my interest rate is XXXX!! I do not believe they have ANY right to be able to control a persons future. I also have a paid off loan, made payments more than early every time, and even a bit more than the amount due, but because of my bankruptcy, they allowed XXXX to remove all this from my reports, even though I " Reaffirmed '' the vehicle, also dropping my score another XXXX points. How in the heck is a person supposed to get anywhere in life if these XXXX companies have all this control. I should be well over XXXX at this point ( only this low for now, as I 'm still 4 months from my 1 yr discharge date ), now I 'm back to where I was right before I filed for Ch XXXX, and I pay my bills! I was just at XXXX little over a month ago, got a couple small credit cards, everything going great-now it 's falling faster than XXXX
Product: Debt collection

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Checking or savings account

PenFed is withholding funds. Someone tried applying for a credit card with them which is not me and is identity theft. Thereafter, PenFed locked my checking and savings accounts and are preventing me from accessing my funds or transferring them. I submitted all documents but they are not doing anything and are illegally withholding my money. I have had enough. I need access immediately to all of my funds, my online account to be restored, and to remove this illegal hold on my accounts.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and found some addresses and name that appear to be incorrect and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure max possible accuracy of the information concerning the individual about whom the report relates XXXX Trans Union XXXX continues to report name, addresses incorrect on my credit report.
Product: Money transfer, virtual currency, or money service

I am a complaint against cash app XXXX Block Inc ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA. Specifically, Cash app failed to take timely effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

As i reviewed my credit report i noticed that there was an account in debt and in collections already in which was not me so i want it be removed from mt credit file. This is the account name, number, date it opened and closed, and balances as it appears on my credit report : CITI Bank credit card- acct number : XXXX Opened on XX/XX/2014 closes XX/XX/2014 Credit limit is {$200.00} Amount past due {$220.00} and High balance is {$310.00}.
Product: Mortgage

I accept an offer from XXXXirst Bank Puerto Rico to refinance a 1.7 % 15-year mortgage in XX/XX/2021. Now they want to raise the interest to 2.5 % claiming the Federal Reserve raised the interest which is not true. They offer Me another offer at 1.8 % interest but with higher closing costs. 
Is this misleading or illegal? Do I need a lawyer?
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated the listed accounts and account numbers below was properly investigated but how is that even possible if the open dates is inaccurate, the date last reported is inaccurate, the date last active is inaccurate and the account status is inaccurate. This is destined for removal. They violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 ; It says a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on my report as well. 

List of Inaccurate Credit accounts that needs to be removed : XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like these inaccurate credit accounts removed permanently from my credit report.
Product: Credit reporting or other personal consumer reports

The law states 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose. 

I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.
Product: Debt collection

I had an account with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX The balance was XXXX ; however the status should be deleted because I paid for delete by settling the amount. I paid XXXX ref # XXXX with agent XXXX XXXX at XXXX XXXX XXXX via the phone.
Product: Mortgage

mortgage loan ; we applied for a mortgage loan and we are told that have to wait until XXXX. we had filed bankruptcy XX/XX/XXXX with a discharge date of XX/XX/XXXX the mortgage that XXXX most recently applied, said the mortgage company did not report until XX/XX/XXXX that is our current dilema from our old mortgage company. i pulled a credit report and it does show on 1 credit company.can we get help to move forward with the correction on our credit report.