23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Navy federal declined my fraud claim of XXXX dollars from XXXX. I told them I did not authorize these transactions and that no error was made in an attempt of a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed late in XX/XX/XXXX that XXXX XXXX has reported inaccurate information on my credit reports. My credit reports shows that i have been late a total of 13 times and that's not accurate. I contacted XXXX XXXX several times to resolve the issue. They informed me that I was only penalized four late payments since the credit card was established. Out of the four, two of those late fees were disputed and refunded to me, and that information is Highlighted on the statement summaries attached to this complaint. On XX/XX/XXXX, I had a late fee which was Adjusted after I called XXXX XXXX to dispute that it was an error on their end which they agreed to. The adjustment can be seen on my XX/XX/XXXX statement summary. 
On XX/XX/XXXX, I had another late fee of {$35.00} and it was also refunded and can be seen on the XX/XX/XXXX statement summary. I reached out to XXXX XXXX to inform them that XXXX has 13 late payments on my report and they told me it has nothing to do with them because their system doesnt show 13. I was advised to contact XXXX and have them correct my report. I filed two disputes through XXXX to have the report corrected and XXXX XXXX failed to reply to the them in time. I filed another this dispute with XXXX on XX/XX/XXXX and never received a response from XXXX XXXX. It is absolutely absurd that XXXX XXXX refuses to correct my reports. How can they report me for 13 late payments when i was only late and penalized 4 times?
Product: Debt collection

Hello this account was originally with XXXX XXXX and the debt was originally $ XXXX and I set arraignments and paid the debt down to {$700.00}. When it came down to me paying I couldnt get a hold of the right dept to make the payment because XXXX XXXX had some internal departmental changes.After these changes, when I called to make my payments no one could locate the account and the next thing I know I get an email from XXXX XXXX saying they sold my account to Spring oaks capitol for {$1000.00}. Fees was waived. I was making payments, before internal changes, faithfully and I paid original balance down to {$700.00}. I am disputing the balance XXXX XXXX sold off to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I discovered several inquiries that I did not authorize or recognize. These unauthorized inquiries are negatively impacting my credit score and financial standing.

I have enclosed a copy of my credit report highlighting the unauthorized inquiries for your reference.

I understand that unauthorized inquiries can occur due to identity theft or errors in reporting. However, it is crucial to promptly address and remove these inquiries to ensure the accuracy and integrity of my credit report.

I request the following actions be taken : Immediate Removal of Unauthorized Inquiries : Conduct a thorough investigation into the unauthorized inquiries listed on my credit report and remove them promptly.

Enhanced Security Measures : Implement additional security measures to prevent unauthorized access to my credit information in the future.

Communication Enhancement : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the unauthorized inquiries.

I appreciate your prompt attention to this matter. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve this dispute. I expect a timely response in accordance with the Fair Credit Reporting Act. I am asking for your assistance to remove these unknown inquiries in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT OWN THE ACCOUNTS STATING BALANCES ON MY REPORT PLEASE REMOVE. MY CREDIT SCORE IS BEING SEVERELY DAMGED AND I AM UNABLE TO GET APPROVED FOR CREDIT CARDS AND LOANS. 

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Date XXXX XX/XX/XXXX Balance- {$700.00}, XXXX XXXX XXXXXXXX Date Opened- XX/XX/XXXX Balance- {$1000.00}, XXXX XXXX Date Opened- XX/XX/XXXX Balance- {$300.00}. 

The reported information is incorrect and does not belong to me. 

I looked at my Equifax credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly 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 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting Act, XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 Dept Of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX ; Payment Report XXXX has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

" According to FCRA Section 605B it is illegal to report anything on my credit report without my permission.

Please remove this negative item off of my credit report.

Thank you ''
Product: Debt collection

I have told them that I don't know what they are talking about and I don't owe the anything. They have the wrong person. They call several times day.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, a total of {$20.00} was taken out of my CashApp account by a thief name XXXX XXXX. I contact Cashapp immediately after being notified by text. I was told the following : 1 ) they could not help me stop the payment, 2 ) I had to contact XXXX and wait for the transaction to be completed before they will step in to refund my money. XXXX customer service could not be reached and I was forced to wait for this XXXX to steal my money. After the transaction was completed, I called to get my money back, CashApp XXXX number XXXX. 

On XX/XX/2022, XXXX, the manger, tells me I have go into the application to dispute all XXXX XXXX charges and the XXXX XXXX before they will consider returning my {$20.00} and if I have problem customer service for assistance. This was already completed, XXXX number XXXX. 

I called to speak with a manager. No manager is available. When I asked how long my information will remain in the database, I was told my information will remain until the company dissolves. I do not want my information to remain indefinitely. This company has a security breach and does care about my information or money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with military star exchange in XXXX and XXXX of XXXX. 
I was declined. I was surprised and devastated because I have been working on raising my credit score for the past 3 years. 

I have finally got a higher score and I can say that I have credit cards that have over 5000 limits. I purchased my brand new 5 bedroom home last year. 

I called the credit card customer service while I was at the XXXX XXXX XXXX military exchange today. 
The customer service agent told me that I was declined for the credit card because I had a card in XXXX and the account went to collections but was later paid in full by me. Then she also said that I had an account in XXXX that went to bankruptcy and was discharged.in XXXX. 

I am a retired military veteran. I am also totally XXXX. I have a hard time accepting that I am being penalized for going through hard times. 

As a veteran we go through things that civilians would not believe. Financially, physically, personally, emotionally. 

I am at a loss for words that a civilian that is working for soldiers would made the decision to ban me for life from writing checks on base and deny me a military star card forever? 

We love our troops. We are all in this together? Hogwash!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  SELF-REPORTED AFFIRM INC XX/XX/22 RE. We have disputed this account.
Product: Debt collection

I am writing to inform you of fraudulent accounts on my credit report that are severely impacting my financial standing. It has come to my attention that there are entries that do not belong to me, tarnishing my creditworthiness and financial reputation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need your help to review accounts from companies incorrectly reporting late payments. After being laid off, I asked them to forgive these payments, and they agreed, but they are still marking them as late. I have reached out to them with no response, so XXXX turning to you as my final option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$980.00} XXXX XXXX {$530.00} XXXX  XXXX {$63.00} XXXX  XXXX {$1600.00}
Product: Credit reporting or other personal consumer reports

Accunt name : Phoenix Financial Services Account number : XXXX It Appears That This Item On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A 1099 Would You Be So Kind To Send Me A 1099 For A Cancellation Of Debt Of This Item Due To My Financial Hardship I Would Greatly Appreciate It I'Ve Gone Through A Serious Financial Hardship And This Would Help Me With My Credit In The Future Thank You So Much They also refused to provide validity and accuracy of their purported debts. 

I believe my rights under the Consumer Financial Protection act has been broken by company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/ XXXX/XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX  Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, equifax and XXXX failed to provide factual documents about these accounts on my personal account XXXX -Address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Failed to provide factual information about XXXX XXXX account # XXXX -Failed to provide factual information about XXXX  XXXX account # XXXX -inquiry from XXXX XXXX XXXX XXXX XXXX -Failed to provide factual information about XXXX XXXX account # XXXX Equifax XXXXinquiry from XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute concerning inaccurate and fraudulent inquiries and account on my credit report. I submitted proof of my correct information and the Creditor asked Equifax to remove the inaccurate item and they have not done so. They have also kept the inquiries on my credit report when they are not inquiries I initiated.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXXL Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year> & XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have late payment entries that have been recorded on XXXX, XXXX XXXX  XX/XX/2019 ; XX/XX/2019. I have a solid track record of making on-time payments for this account. Therefore, I have reason to believe that this reporting is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a 30 day late payment on all 3 credit bureaus from XXXX XXXX XXXX I've originally reported this as incorrect and XXXX deleted the 30 day late payment for several months. Just recently they have reported that same 30 day late payment again when it was removed from the first time I disputed this. I have summitted several disputes to have this corrected and nothing is being done about this. As a result of this I can not refinance my home or can not get another auto loan due to this 30 day late payment.
Product: Credit reporting or other personal consumer reports

Subject : TransUnion for Violation of Consumer Rights Dear Sir/Madam, I am writing to file a complaint against TransUnion for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 
On XX/XX/2024, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX XXXX and XXXX XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 
Despite my explicit request to opt-out, I have recently discovered that TransUnion continues to furnish information related to my account with XXXX Card and XXXX XXXX XXXXn my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by TransUnion is a clear violation of my consumer rights and undermines the integrity of my credit profile. 
I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, TransUnion has not only violated my consumer rights but has also compromised my privacy and financial security. 
I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that TransUnion ceases the unauthorized reporting of my non-public personal information on my credit report. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 
Sincerely, XXXX XXXX
Product: Bank account or service

Iopened a new bank account at Wells Fargo after an unsatisfactory account at at a local credit union, and they said nothing on opening the new account about me having an alleged overdraft on the closure of my old account, since both transactions were done in person. They then started withdrawing money from a savings account that they insisted I open to go along with my checking account to get no service charge with 10 withdrawals in the cycle. Which there always i, and I know of another person that is going trough the same situation with them. What is this collection by surprise or is it out-right fraud? My bank account were supposed to be available on line for 7 years since that is how i got my statement. And they have disappeared. itold them to close my savings account after I made a deposit and they took it.
Product: Student loan

Dear Sir/Madam : RE : Grievance with Mohela-Official Servicer of Federal Student Aid I need your help resolving a potential fraud issue. Since XX/XX/2023, I have been dealing with Mohelas staff via multiple telephone calls waiting on average 3 hours per call trying to resolve Mohelas system issue and as of today, my issue is unresolved. 

Therefore, for 5 ( five ) months, I have dealt with representatives in training, told that a manager will contact me, and now after speaking with a manager I am waiting for the Accounting Team to review my issue and justify their system discrepancy. 

I still dont have a justification or resolution. I am concerned that Mohela is deliberately delaying the resolution of this issue with the intent to earn more in interest and fees than what was provided in the original payback obligations. Please review the attached word document for the details
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


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

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX, XXXX 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 card

Returned items to XXXX and was not issued a refund. Contacted Citi regarding this issue and sent proof items were returned to XXXX but citi refused to issue a refund and cited I didn't respond to the merchant 's claim on time. They closed my case and refused to reopen it. I sent them the appropriate information on time by the requested due date.
Product: Mortgage

I made a loan modification last year. I finally got caught up on everything now they have raised it over {$800.00} a XXXX. They said this was because of XXXX. Also, a small increase an insurance and taxes. Also, several payments are missing and they cant tell me where they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a dispute on 3 accounts that needed to be removed from my credit report because of inaccurate information on them. I mailed a dispute to Experian XX/XX/2021 at XXXX am. Experian received the dispute on XX/XX/2021 at XXXX pm. Since this date, 30 days have passed and I havent heard a reponse from them, therefore this is considered a violation of my consumer rights, violation of FCRA.
Product: Prepaid card

Friday, XX/XX/2016 I cancelled a layaway at XXXX and the {$400.00} was credited back to my prepaid card. Rushcard credited the account in an hour and then blocked the card for potential fraud. i used the card to do the layaway at XXXX that is the reason the money was refunded back to the card. rushcard states i never used the card at XXXX which is a lie. i have {$280.00} that i do n't have access to plus i will receive a direct deposit to the card in 2 days that I will not have access to. They claim the corporate office has to review the matter and release the hold. I have submitted a documents requested such as id, ss card, proof of address and receipt of transaction at least 4 times since Friday still no resolution. this is causing me a financial hardship and i am very disappointed with Rush card. I want to officially file a complaint on Rush card.
Product: Mortgage

Ocwen Loan Servicing has referred my account to foreclosure and the assignment was fraudulently created and signed by robo signers also the cutoff date of the trust had expired when the assignment was created.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.