23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX at about XXXX, I received a text from XXXX asking if I had attempted a wire transfer for {$4300.00} to XXXX XXXX XXXX I replied no. A few minutes later I got a call from what I thought to be, what was at the time a number that said it was Navy Federal Credit Union and the correct number as I have it saved in my contacts. The person said that they were calling me since there was fraudulent activity on my account. They said they would have to reset my password and walk me through the process. They said they would send me a code to give to them. I was ok with this since I had locked my account before and when I called it was the process they used. I also tried to access my account via my mobile phone. I was not able to but then I tried to reset my password and could not. During this process I arrived home and used my compromised credit card to rest and saw that the scammer had changed all my settings, to notify me of the action on my account. They had also added a 2nd external user to my account by the name of XXXX XXXX. I was also told that they had opened a loan in my name. 

The loan was then told by the person on the phone that I had to return the funds to the NFCU member that given me the loan. I asked who that person was, they said XXXX XXXX. They asked me to make a test transfer, so I did for {$99.00}. In that time, I got disconnected. I was able to log into my account on my computer and then call Navy Federal Credit Union to report what happened. 

I went through the NFCU process to file a fraudulent case and was denied. I was never contacted by them until I received a decision letter saying that I would be responsible for what ended up being a little over XXXX. How that number was reached I have not gotten an answer. I went through the appeal process and was denied. I asked how is it that I am fully responsible for something that the scammer did exactly what their standard procedure is and I am the one responsible. 

I also asked to get a copy of the audio of the for the call and was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

In accordance with the Fair Credit Reporting Act XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

As of XXXX, XXXX XXXX, XXXX XXXX sold my mortgage loan to Specialized Loan Services ( XXXX  ). 
I have been and currently is occupying the residents, in my XX/XX/XXXX loan statement, specialized Loan services decided to charge me a Property Preserve Abandon fee of {$300.00} XX/XX/XXXX and a late fee of {$75.00}. 
I have made several attempts to resolve this issue with Specialized Loan Services. SLS/XXXX 
I received a letter on XX/XX/XXXX from XXXX XXXX manager stating they contract XXXX  to inform them of vacant property, the charges were not initiated by XXXX  XXXX or XXXX. 
Specialized loan services contacted XXXX separately to register my residence as abandoned/ vacant and charge incorrect collection fees and force foreclosure. 
XXXX has never sent a notice stating the residence was vacant. per XXXX  email from a list of my questions. a notification would only come from XXXX or the XXXX. SLS continues to make false statements that XXXX  XXXX wants the property to be registered upon any delinquency.Which is not true. SLS has refused to show proof and to resove this isssue with my loan.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed some inaccurate accounts reporting. 

UNAUTHORIZED HARD INQUIRIES -XXXX XXXX XX/XX/2024 XXXX AND EXPERIAN XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX AND EXPERIAN XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX AND EXPERIAN XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX  XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 EXPERIAN XXXX XXXX XX/XX/2024 EXPERIAN.
Product: Credit card

DISPUTE CASE ID : XXXX I filed a dispute for a {$42.00} charge from XXXX XXXX XXXX  on my XXXX ThankYou credit card ( issued by Citi ). I believe this charge should have been removed since I submitted the dispute through the correct process. 

However, the dispute was closed not in my favor with the reason given : Your response was not received in a timely manner. 

I strongly believe this is inaccurate. I responded on time with everything Citi requested. Throughout the process, I was not given any direct line of communication with Citis dispute team, only access to general customer service. I contacted them during the early stages and was told I would not be able to speak with anyone from the dispute department and should instead wait for a response.

77 days later, I received a vague response that I believe is 100 % incorrect. I submitted everything in a timely and complete manner. When I attempted to get more information or escalate the case, I found that customer service agents had no access to the dispute documentation. I eventually spoke with a customer service supervisor named XXXX, who gave me Case ID # XXXX. However, he was not a dispute expert, had no insight into the actual case, and simply advised me to open a new dispute and resubmit everything ; essentially restarting the process from scratch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I show a hard inquiry in my credit report from the following : XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX When I tried to call number disconnected. A XXXX search reveals they have been doing this to many people. The XXXX XXXX XXXX XXXX XXXX has a note on their website about this
Product: Credit card or prepaid card

The disputes in question are 1. XXXX {$780.00} charged on XX/XX/2021. 
XXXX. XXXX {$810.00} charged on XX/XX/2021. 
XXXX. XXXX {$35.00} charged on XX/XX/2021. 
XXXX. XXXX {$93.00} charged on XX/XX/2021. 

On XX/XX/2021. Citibank XXXX responded to my dispute that it has been closed and the merchant needs to be contacted directly. Per Citibank below is the extract from the letter. 

" We previously disputed this charge for you and we took the funds from the merchant. You then cancelled that dispute XX/XX/2021. We closed your dispute since you cancelled it and once you cancel the dispute we can not reopen the dispute for you. Therefore, if you wish to dispute this charge, you will need to contact the merchant directly as we have no further recourse to assist you. " After contacting the merchant, the merchant requires a letter confirming that the amount has been returned to merchant and dispute closed with me losing. Because as per Merchant, they closed the dispute in my favor and returned the money to Citibank. Below is the excerpt of response from the merchant. 

" Please allow me to reiterate that our XXXX team have confirmed that your dispute was closed in your favor. We have been debited. That means your credit card must credit your account. Please provide a letter ( not credit card statement ) from your bank advising that you lost your dispute and you were rebilled. '' Can you please request Citibank to take care of this and provide me the letter or my money of US {$1700.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I took out this loan in 2021 for XXXX  XXXX with XXXX XXXX and Universal Servicing acquired the debt from them for {$10000.00}. XXXX for XXXX  and XXXX for travel. They are reporting the initial debt was {$12000.00} and I have emails from XXXX XXXX detailing the payments. I dont know where they got {$12000.00} from. I have never been late nor have missed a payment and I want the original balance to be updated to reflect the correct amount which will in turn lower the correct amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to TransUnion to dispute an XXXX credit card whose late payments listed on my TransUnion Credit report are over 7 years old beyond the time period allowed to exist on a credit report. Further I did also file a dispute withe XXXX  and with XXXX  on the same  information and that information and the record has been deleted from those credit reports but TransUnion still shows them on the report. I went to file a dispute online and their website will not allow an online dispute and only allows disputes by phone or by mail. They are the only credit company now reporting this information which is highly inaccurate beyond the legal time frames for reporting and making it so difficult to even file a dispute. Including when checking on the written I sent in they say they have no record of any disputes. They are completely disorganized and their records are not put to date.
Product: Checking or savings account

Wells fargo continued to charge overdraft fees on returned items until i was negative constantly and could never get caught up causing payments to be late or to bounce again. Held paychecks for up to 14 days and again charge more fees. Closed account because i was constantly in the negative
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested, via mail, documentation supporting information reported on my credit file in XXXX separate letters. I specifically stated that my requests were not disputes, but were in accordance with the FCRA. Experian promptly sent me a form letter in response to XXXX letter, and treated the second as a standard reinvestigation of a previously disputed item, refusing to provide me the documentation requested, which they are required, pursuant to the FCRA to provide. This is a clear case of willful non-compliance on their behalf.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

Well over the last two years i havent been monitoring my personal credit i noticed accounts that i did not authorize i reached out to the companies for documentation or showing me any type of agreement signed or giving to them by me they never responded back with any correspondence..
Product: Debt collection

I was contacted by the collection agency NRA regrading a debt they told me I had. The lady explained this was for an unpaid tax which made no sense to me since I am under the Military Spouce Residency Relief Act and my main residence is Florida so I do not have to pay any taxes. But she kept with the pushing and using the typical collections as to scare me and try to get me to pay something that made no sense. I spoke with my sister who has a career in collections/compliance and I allowed her to get information regarding this debt as I did not want to speak with the extremely rude and unprofessional individual, XXXX XXXX. My sister called NRA on XX/XX/2018 and gave my phone number to locate the account. She was quickly transfered to another department ( never verified who was on the phone ). Once transfered it was the same lady I had spoken to at an earlier time. My sister informed me she was rude and could have spoken in a different manner as far as professionalism. Not once during the 20 minute call did she ask is this was XXXX, or verify in any other way. The only information was that a women on the phone that had my number to locate the account in the office to get information on the account. My sister was able to obtain all of the information on the account and was in complete shock that they never verified. NOT EVEN MY NAME! At the end of the call she asked to be transfered to the manager and the agent said " are you trying to catch me in something '' and she stated to just transfer to the manager. The manager got on the line and started to speak on the account and then I informed the manager that the rep not once verified who was on the phone. She then realized that she ( the manager ) should verify and FINALLY asked if I was XXXX XXXX. NOPE she was not XXXX XXXX and told the manager that a CFPB and XXXX  complaint will be filed due to giving out all account information to a third party without verification.
Product: Credit reporting or other personal consumer reports

I contacted the company XX/XX/year> for the 2nd time with no results or verification given or sent to me as they said they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

Huntington Bank is staying I took out a loan, and I have not, nor do I have an account with them. I am a beneficiary on my husband account, not a signer on this account.
Product: Debt collection

The amount is {$1600.00}. I called Harris and Harris ( debt collector for XXXX XXXX ). They told me it was for internet at an address I don't know. This was in XXXX. I don't live there and I don't know anyone who lives there. They never communicated with my in any way. I just noticed that there is a collection/chargeoff on my credit report. 

I called them and they gave me a reference number and an email address where I can file a form. I did that. I called again to ask why it wasn't removed. They told me that they were mailing me a form that I needed to fill out. I never got a form. I watched carefully for it. 

I called again and got disconnected. Then I called again and explained. He put me on hold. I waited 30 minutes and then got disconnected. I called back and the office was closed. He must have know that he was leaving the office without helping me with this issue. They have ignored and ignored my attempts to fix this. IT is NOT my debt. It must have been fraudulent from the beginning and Harris and Harris know that but they aren't removing it from my credit report. Harris and Harris are not working in good faith when they lie to me telling me to fill out the form so that it can be fixed. And telling me that they are sending a form for me to fill out that never arrives ... .even after I filled out all the proper information that they requested.
Product: Credit reporting or other personal consumer reports

TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX dealership on XX/XX/XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XX/XX/XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XX/XX/XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. Chase and XXXX XXXX  departments opened cases to look into this situation. XXXX XXXX XXXX XXXXl department refused to, claiming they could not do anything.
Product: Credit card

Based on the review of the credit history, i have realized that there was a credit inquiry done by SYNCB/AMAZON XXXX, FL XXXX ( XXXX ) XXXX. I would like to reiterate that i do not remember applying for a credit card with the above referenced company. If there was a 3rd party who attempted to run my inquiry through the said bank, it was done without my consent. 

As such, this inquiry is negatively impacting my FICO score which as a consequence limiting my chances to get mortgage approval.
Product: Prepaid card

Received {$500.00} American Express gift card for XXXX, have had trouble using the card everywhere, either in person or online. Reached out to company and they denied any knowledge of an issue even though card has been declined serval times.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
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 violate the Consumer Financial Protection Act ( CFPB ). 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 seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems is reporting that I owe money to XXXX, however I do not. I have proof that it was paid XXXX from XXXX XXXX and i have repeatedly sent this evidence to Chexsystems. Every time I go to open a new bank account I am told I can not open an account. I have sent Chexsystems evidence from XXXX that there is not a debt yet they ( Chexsystems XXXX refuses to remove the item blackballing me from opening an account.
Product: Credit reporting or other personal consumer reports

i can not gain access to my report. i can log in and see my account scores, however it will not allow me to see report. i need this access due to being a new XXXX XXXX XXXX. i have vendors that are checking my credit. plus equifax has charged me 5xs during the last 30 days and i can not see product. Equifax keeps trying to help me log on site.I DO NOT NEED HELP WITH LOGGING INTO ACCOUNT. i need help actually seeing my report. i have been a monthly member with equifax for years.
Product: Student loan

Sallie Mae has been calling me every hour from XXXX every day, along with my family. I am making payments and have called and told them to stop harassing me and my family and they promise they will and then an hour later I get another call. I have also asked for payment plans or help in any way and they send me emails and letters and once I call them they say I am not eligible but yet continue to send the letters. They are unwilling to help and harass you even if you are MAKING payments. You can never get ahold of a supervisor and they tell you someone will call you and you have to keep following up and still never get a call from a supervisor. The blatant harassment and the way they talk to people should be illegal. They will not work with someone even though they are charging high-interest rates and expect a person in the economy we are in to make payments over XXXX  XXXX a month. They have said the only options are to be disabled or XXXX  to get any help.
Product: Checking or savings account

Due to divorce my name has changed. I left my divorce paper work to the bank in question before I moved to a new city. Currently I have resent divorce paperwork per instruction of the bank for security and customer service. 
The bank will not let me use XXXX which is what I use to pay my attorney, vendors, gifts etc. They are looking into fraud because of XXXX different names on my account. I left my paperwork XX/XX/2022 and they haven't corrected my name in their system. Not my fault it's theirs, I want the hold off my XXXX acct.
Product: Credit reporting or other personal consumer reports

i been asking for verification and documentation providing accurate information on my credit report to make sure its 100 % accurate its been 4 months of disputing that 120 day and no documentation received on XXXX XXXX they deleted a account XXXX XXXX XXXX XXXX account # XXXX they put back on XXXX XXXX 2024 that breaking the law over and over I'm requesting assignment contract from any creditor thats reporting bad information on my profile please and thank hope I finally can get some help 15usc code 6802 15usc 1682b 18usc 1028 plz remove these item or
Product: Credit reporting

While reviewing the Personal Information on my Credit Report I came across names that are not mine that are attached to my Credit Report. This worries me due to how many Credit Cards and other accounts were attempted to be opened in my name.
Product: Credit reporting or other personal consumer reports

Received pre approved credit card application for Venture card from Capitol One. Cancelled application with Capital One. Should have had a Soft inquiry, however XXXX showed a Hard Request at XXXX. I want the Hard Inquiry removed. Capital One was unwilling to initiate the request to remove the Hard Inquiry. I have a freeze on my credit. Capitol One was very hard to work with. It took 4 phone calls to cancel application.