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

I have made several phone calls to Navy Federal Credit Union in the last year and have gotten nowhere. I opened a secured credit card through them in early 2015. When I opened the secured card with my {$500.00} deposit Navy Federal was supposed to take that {$500.00} and put it in a secured savings account. I lost my job and fell on some financial hardship and was unable to make further payments on the card. Since I was spending my own money, once I could no longer afford the card that should have been it besides any possible owed interest. Upon contacting Navy Federal I was informed that there had been an error on THEIR PART in which they claim that the {$500.00} that they were supposed to put aside into a saving account had been released back to me. I NEVER had a extra {$500.00} in my account. At this point they have refused to help me even though it was their mistake and the only answer I get is that I need to pay another {$500.00} or {$490.00} to be exact. This to me appears to be fraud or a scam. It has been acknowledged to me in three conversations that the problem appears to be on their end yet they refuse to fix it.
It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Banking regulations and Defamation of character. My credit has suffered greatly from this as the reason I opened a secured line of credit was to help improve my score, this has only done damage.
Product: Credit reporting or other personal consumer reports

I did not authorize GUILD MORTGAGE COMPANY to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Mortgage

Greentree Tree is our mortgage provider every month they call about a late payment and about an {$270.00} lapse of home owner insurance Our insure XXXX has told them our insurance never lapsed! Here is a copy of a similar letter I have sent complaining about their harassment as they have called as early as XXXX and as late as XXXX eastern daylight saving time! This is my final request for you to stop calling my home and my wife 's mobile phone starting on the XXXX of each month ( our payment is always sent no later than the XXXX of each month ) when our payment by contract is only late if after the XXXX! The {$270.00} for home insurance is inaccurate our insurance never lapsed and XXXX has sent you proof of that fact! Acct # XXXX A COPY OF THIS LETTER IS BEING SENT TO THE INSURANCE COMMISSIONER
Product: Checking or savings account

Chime took so much money of mine without giving it back
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations are not mine : Names : XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filled complaint you can refer to XXXX. 
I did send certified letter to Equifax with additional evidence of mistakes on my credit report, but I did not receive response. 
By law I should get response in writing in 30 business days. I am including copy of letters in this complaint explaining everything.
Product: Credit card or prepaid card

On XX/XX/XXXX, I filed a quality of product/service dispute with Bank of America for a purchase made with XXXX XXXX of XXXX on or around XX/XX/XXXX in the amount of {$1500.00}. I attempted to resolve the issue with the merchant to no avail. In fact, on XX/XX/XXXX, I provided Bank of America with an email thread regarding my communications with the merchant. See enclosed. Visa regulations allow consumers 120 days to dispute a transaction for quality of product/service. Although the dispute with Bank of America was filed 115 days following the date of delivery ( XX/XX/XXXX ), and 114 days after the date the transaction posted - Bank of America closed my dispute and alleged that the dispute fell outside the timeframe. See enclosed. Additionally, Bank of America never provided a provisional credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have been trying to get several fraudulent inquiries removed from my consumer credit reports held by Equifax and XXXX. I have sent in letters, made multiple phone calls, and filed FTC and CFPB reports and have yet to recieve the resolution I am due. In addition, they have placed unrequested fraud alerts on my reports as well. I do not want these on my consumer credit reports, did not authorize them and want them removed. 

Listed below are the fraudulent inquiries, and attached is the first FTC report i made which i was told was not sufficient, and a 2nd FTC report made recently. 

EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, .Inc ) Due to Inadequate Customer Service and Unfair Practices, Which Violates the consumer financial protection act ( CFPA ). Specifically, Cash App Failed To take timely and 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 Electronic 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 or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA XXXX According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX, nor did I provide written consent for my credit report to be accessed. By committing this act, you are also in violation of 18 U.S.C 1028A is a section of the United States Code that addresses aggravated identity theft because you have possession of my information and are using without my consent.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX Opened : XXXX XXXXXXXX XXXX  Open XXXX days late Identity theft of my personal emails, phone number, bank information.
Product: Debt collection

Discover closed my credit card after I missed XXXX payments after having emergency XXXX and was out of work. I barely had money to pay my rent or take care of my children. Discover blocked me from accessing the discover portal to even see what my balance was. Discover closed my card XX/XX/XXXX. I was out of work XX/XX/XXXX to XX/XX/XXXX. I didnt receive my short term XXXX until XX/XX/XXXX. Fast forward to Saturday afternoon XX/XX/XXXX. Theres a knock on the door. Its an XXXX guy in a XXXX  car. License plate hanging off the front bumper dressed in regular clothes : grey tshirt, black sweatpants, and slippers. He asks my son if I am home. I come to the door he hands me an envelope with a paper attached to it and walks off. I open the envelope to find crudely printed copies of a lawsuit from discover that was filed in the court on the XXXX of this month. This man could have been anyone. I dont have visitors to my home except for family who live in another state. There was no badge, no paper to sign, nothing. Very unprofessional and according to Texas law illegal. 

A number of Texas statutes designate the XXXX of XXXX as a process agent, authorizing the XXXX of XXXX to accept service on behalf of another person. Statutes Designating XXXX of XXXX as Process XXXX. 

In addition to the statutes designating the Secretary of XXXX as process agent, the procedures for serving a person through the Secretary of XXXX are governed by Rule XXXX of the Secretary of XXXX administrative rules, the Texas Rules of Civil Procedure, the local court rules, and any other applicable law. 

Generally, service on the Secretary of XXXX XXXX be made by : A sheriff or constable A person over 18 years of age authorized by written order of the court A person certified under order of the Supreme Court The clerk of the court in which the case is pending ( by certified mail, return receipt requested ) The party or the representative of the party ( by certified mail, return receipt requested ) Any other person authorized by law See Tex. R. Civ. Proc. Rule 103 ; Tex. Civ. Prac. & Rem. Code 17.026. 

After reading the paper that was sent I see Discover went to Abclegal.com and created the entire lawsuit. The amount on the paper is much more than what I owe. I had a limit of {$4900.00}. The balance is over {$6000.00} now. I was always faithful and timely with my payments. I got sick in XXXX of XXXX and things got bad for me. I had my first episode in XXXX of XXXX and then a major episode in XXXX of XXXX. 

I understand a judgment is a way for Discover to seek damages. There was no damages brought to discover the damages were done to me. The paperwork received is a poor copy of maybe an original I have no idea. Its black and white and missing lots of the information. Part of the paperwork isnt even filed out so this is all questionable. The paperwork is barely legible!
Product: Debt collection

I have never received any communication from XXXX, and do not acknowledge the debt as my responsibility. Additionally, XXXX lists a wildly deceptive date for the opening of that debt ( XX/XX/2020 ). No communication, and false information regarding the age of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ).
Product: Credit reporting or other personal consumer reports

Going over my monthly consumer report I've noticed that XXXX is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that XXXX thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If XXXX continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

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

Recently, I researched my credit report, which resulted in tremendous despair. XXXX XXXX XXXX XXXX. This is harmful to my health and a defamation of my character. I discovered unverifiable, incorrect, erroneous, and doubtful data that your agency did not confirm to be 100 percent accurate. In accordance with 15 U.S.C. 1681e ( b ) ( b ) Accuracy of report, When preparing a consumer report, a consumer reporting agency must take reasonable measures to ensure the utmost possible accuracy of the information about the individual to whom the report pertains. 
I am aware that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ), in general, inaccurate or unreliable information must be treated as such. 
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall ( i ) immediately delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) immediately notify the furnisher of that information that the data has been deleted or modified If you can not supply me with a copy of verifiable evidence within 15 days after the conclusion of your inquiry, you must remove the accounts and/or information specified below. Thank you for your assistance in this case. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. You are in violation of 15 USC 1681 Misleading False Reporting this account is negligently and inaccurately reporting failing to comply. 
XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Thank you for your cooperation
Product: Checking or savings account

chase bank called on XX/XX/2023 to tell me that my claim for unauthorized withdrawal of {$4800.00} was declined. The reason that my stolen pin and debit card were used to withdraw through a teller 's window from my checking account on XX/XX/2023. The unauthorized person made XXXX withdrawals on XX/XX/XXXX, first {$1000.00} atm, second {$4800.00} through a teller 's window, third {$200.00} atm and fourth {$200.00} atm. all these withdrawals were made in a matter of minutes. the atm withdrawals were credited to my account but the {$4800.00} was not. The video at the chase branch shows per the bank, a middle aged white person made the unauthorized withdrawal of {$4800.00}. chase bank contact : Chase claim, XXXX XXXX XXXX, XXXX, in XXXX ; tel. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to remove XXXX XXXX Acct # XXXX for the amount of {$1200.00} from my report. I Asked them to validate the debt. Not only did they fail to provide what was being asked of them, they also violated Hippa Laws by providing medical services rendered. They didn't provide my signature attaching me to this debt, but my credit report is being affected. They are also violating my consumer rights and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states a consumer agency can not furnish an account without my written consent.
Product: Debt collection

I am in a XXXX XXXX XXXX receiving XXXX assistance. I am not able to use any of my income to make debt payments. I have repeatedly explained this but they will not discharge the debt.