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. 

XXXX Account # Unknown XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Account # Unknown XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX I looked at my TransUnion credit report on XX/XX/year> and notice 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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 suppose 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.

15 U.S.C. 1681B ( 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding countless overdraft fees I have 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 CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. These practices are unfair and request an investigation into my account transactions.
Product: Credit card

I signed up for an American Express card with a bonus offer of XXXX Membership Rewards points after spending {$3000.00} in three months. I met these requirements, was given my points, then at the 3 month mark, American Express took the points away, as an " adjustment ''. 

I was then told by various representatives that my points were taken away because I was certain purchases were returned and that these returns brought me below the {$3000.00} requirement. But upon checking my transaction history, there were no such returns and I had indeed met the requirements.
Product: Credit card

XX/XX/XXXX Vitcim of phishing scam text to phone asking about information to verify my address for a purchase XX/XX/XXXX Fraudulent charge was made to XXXX XXXX XXXX for {$4100.00} to Truist 's Credit card XX/XX/XXXX : I asked Truist bank to lock the previous debit and credit cards and issue new cards. Truist opened an investigation and would report back. 
XX/XX/XXXX : Issued new debit card. The credit card was not received due to co- ownership of the credit account. 
XX/XX/XXXX : Given new credit cards ( one each of me and co-owner ).

Over the span of XXXX, I would call multiple times to inquire about the investigation. They reported to me in XX/XX/XXXXXXXX XXXX that the charge was considered disputed, but the charge was still present on my account for the entire year. In early XX/XX/XXXXXXXX, I called to inquire. Further, Truist said they would reopen the case and investigate ; they asked me to follow up by XXXX XXXX. I was able to follow up on XX/XX/XXXX. Truist reports that through the investigation, the charge was supposedly authorized, but I have no evidence that a purchase was validated on my end or on the co-owners end ( No email confirmation, no tracking number, no receipt from XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I have connected XXXX on numerous occasions within the current year of XXXX informing them that my information on my credit report such as name and address does not exists and I would like for it to be removed. XXXX has informed me that it was removed. I ran my credit on XX/XX/XXXX and the same information is being listed on my credit report that is not me or non factual. 

Name ID # XXXX listed on my credit report is not my name and I would like it removed and anything attached to it be removed. I contacted XXXX over 5 times within the year XXXX and informed them this information is inaccurate and not me and XXXX told me they would remove it. 

Address ID # XXXX is not my address, I never lived there and the address is non existence, I would like it removed off my credit report and anything attached to it. I contacted XXXX over 5 times within the year XXXX and informed them this information is inaccurate and not me and XXXX told me they would remove it. 

XXXX XXXX XXXX is reporting on my credit account inaccurate information, the balance is stating XXXX. The original creditor is XXXX XXXX, XXXX XXXX is reporting on my credit numerous times with a balance of XXXX. This same account is being reported 3 times on my credit. 

XXXX XXXX XXXX  original balance XXXX is reporting multiple times on my credit report. It is reporting as XXXX XXXX XXXX and also XXXX with the same balance as XXXX. It is the same company. It should not be reporting twice. I contacted XXXX and disputed this and they ignored my concern and failed to tell me why the same company is reporting multiple times on my credit report. 

Santander ... In XXXX Santander has been in a repossession class action lawsuit and I would like this removed off my credit report.
Product: Credit card or prepaid card

I paid off both my Chase credit cards at the end of XXXX, 2022. On XX/XX/XXXX, I saw there was {$.00} left on one of the accounts and I paid it, bringing the account to paid in full. Ever since then, and after filing two previous complaints, Chase has been adding interest and late charges to the account ending in XXXX ( Freedom ). They adjusted the amount down to {$37.00} a few months ago, saying they couldn't remove the residual interest and are charging me interest and fees on that amount, apparently. 

However, the other account, ending in XXXX had all the residual interest removed and has a {$0.00} balance. They had brought that amount down to {$5.00}, then gave me a credit balance of {$.00}, and now a {$0.00} balance. If they could remove the residual interest from one account, they could do it for both accounts. I paid both accounts off in full well before the XX/XX/2022 due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone stole my personal information and identity, has been impersonating me for over 30 years opening fraudulent and unauthorized credit card accounts in my name. I been receiving harassing phone calls and death threats regarding the fraudulent and unauthorized credit card and collection accounts and student loan account. The following credit card and collection accounts, hard inquiries and public records are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX, XX/XX/XXXX, {$14000.00}, XXXX XXXX, XX/XX/XXXX, {$5000.00}, XXXX XXXX, XX/XX/XXXX, {$8400.00}, XXXX XXXX, XX/XX/XXXX, {$5900.00}, XXXX XXXX XXXX,XX/XX/XXXX, {$7300.00}, Equifax Mortgage Services, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, {$290.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$25.00}, XXXX XXXX XXXX XXXX, {$390.00}
Product: Credit reporting

My personal information along with my addresses are not mine XXXX of those addresses are not me at all!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1400.00} {$0.00} {$990.00} Credit Limit : {$750.00} {$750.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance. 
Unpaid balance reported as a loss by credit grantor. 
Account legally paid in full for less than the full balance. 
Settlement accepted on this account Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 TransUnion 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX I received a text message from venemo with a login code to verify my identity. So I reported it to venemo because this was the 3rd time I had gotten this text within 2 weeks. I reported it changed my password and went to see my doctor and my card was declined, so I login and see my account is suspended for violation of PayPal terms. I've emailed venemo support on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've sent them everything they asked of me to verify who I am and my account tomorrow my XXXX check is to be deposited and they are refusing to let me into my own account. I have spoken with 8 different people at venmo never getting the same person twice. I need my money I am XXXX and need to see my doctor but I can't without money upfront. They are illegally holding my funds after I've done everything to show them I am the owner and I am the one who reported the possible fraud on my account. Why would they punish customers like they do instead of going after the IP ADDRESS of the one who tried to get into my account. My phone is logged in to it and it knows my phone what is the problem. I'm on the verge of XXXX I have XXXX XXXX and if they fail on me it will be venemos fault solely for refusing to release my money even after I explained to them I have a XXXX emergency. They need to train their staff better and set one person on an account or supervisor instead of 8 different people and none of them knew or understood anything that had previously been said or happened. I need my money now I am XXXX. They won't release my funds to be able to see my doctor we can't and have been instructed not to come into the hospitals or urgent cares with fever or the offices unless we call first and make arrangements to be seen because of covud I can't go places like that because I'm at risk and they are stopping me from being seen and my life is on the line
Product: Credit card or prepaid card

I applied and was approved for a Pay Pal Cashback World Master Card account which claimed to have a rewards program whereby I could redeem the rewards to the account for a statement credit. XXXX phone representatives, XXXX and XXXX, have given me conflicting information. XXXX said I have to transfer the reward to my wallet, then call back and ask customer service to transfer the rewards to my account. Only after I kept insisting on speaking to a supervisor, did he check with a " specialist '' and said I can redeem rewards to my wallet, then transfer to my cashback account. He assured me that was the correct procedure, but when I tried to redeem that way, there is no choice to add rewards to my wallet. There are only XXXX choices to redeem : send to my checking account, transfer funds internationally, or send me a check. I called customer service again, and XXXX said I can transfer the money to my stand alone PayPal account, which automatically puts the rewards in my wallet, but I can't transfer the rewards back to my cashback master card. I have other credit cards with rewards that I can automatically redeem as a statement credit, so this process for redeeming rewards on my PayPal Cashback World Master Card seems unnecessarily convoluted. Please advise why I can't apply the rewards earned to this credit card as a statement credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these following accounts that appears on my XXXX credit report. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these account. I am requesting full validation for the following account names as it appears on my credit report : a. XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX {$1900.00} Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$62.00} Account number XXXX c. XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX {$74.00} Account numberXXXX d. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1600.00} Account numberXXXX e. XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$92.00} Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX {$52.00} g. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1500.00} Account numberXXXX h. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Account number XXXX {$63.00} I have been receiving these collections calls and questioned about my medial situation which is a violation of my HIPPA right of privacy. My plan is to file a HIPPA violation. 

I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.
Product: Credit reporting or other personal consumer reports

If you take a look at the credit report here are factual screen shots of dates activity and opened where they are incorrectly listed. I have no awareness of no documents sent certified through postal mail. I never received documents that I asked for. Closely view dates of opened on each of the credit agencies and the accounts were removed on the credit agencies and remain on 1 that shows errors in accounts listed fraudulently here are the screen shots of the accounts listed. 
Account XXXX is listing on TransUnion and not XXXX it was removed from XXXX and XXXX. False date of activity and date opened is false please show proof of application applying for this account or any account XXXX is allegedly placing on my consumer report. Date last active in improper fraudulent and false. XXXX this is another account that is listed fraudulently and incorrect. There is no such proof of any applications showing the dates of active on XX/XX/2024 it was removed off of XXXX and XXXX reports. XXXX A third account listing on Transunion and was removed from XXXX and XXXX. Is this not enough proof that I am showing? I have screen shots from my credit report showing erroneous date of activity it is improper to continue to violate me and my rights. Inquiries aren't mine and you continue to deny my dispute. Remove inquiries I have not applied for any new credit for 4 years.
Product: Credit reporting or other personal consumer reports

This complaint is because Im very worried and concerned about my investigation results. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Inaccurate/Invalidated Information/Identity theft : This account is not mine I did not authorize it. This account also has an inaccurate payment history across other credit reporting agencies. 

Account Name : Dept of EducationXXXX Account Number : XXXX Inaccurate/Invalidated Information/Identity theft : This account is not mine I did not authorize it. This account is not reported by the other crediting agencies and it was just reporting a {$14000.00} and it is now reporting a new balance increase of over {$300000.00}. This is in no way my account! 

The information for some reason is still incorrect and is wrong. I dont understand how they could have done a good job at investigating when the go some things. If the information was not mine and incorrect they were supposed to fix it according to 15USC1681i ( 5 ) ( A ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the info the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the 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 form the file of the consumer. 

XXXX XXXX XXXX Account Number : XXXX This is not my account and should be blocked from my credit report also the following look to also be incorrect on that account [ Account type, Status, Balance Updated, Payment history ] Dept of EducationXXXX Account Number : XXXX This is not my account and should be blocked from my credit report also the following look to also be incorrect on that account [ Account Type, Status, Payment history, Last payment Date ] This account has already been removed by the other credit reporting agencies. per Accuracy and Completeness of Information 15 U.S. Code 1681e this account must be removed from my credit report.

Please remove this immediately its causing unwanted stress and its preventing me from getting my 1st first home.
Product: Debt collection

This company somehow not only received my personal cell phone number but my parents, friends and family members. They call every day and if I do not answer they call all of my family members. They are threatening me with a lawsuit to show up in court for a outstanding bill that they wo n't tell me what it is ... They are extremely rude and hostile on the phone. They will not give me any address or location. I have spoken with in-house legal and they told me to report it to the FTC. 

They say they are a law firm McCarthy Burgess & Wolff but are a debt collection agency. I have ZERO debt and my credit report is rock solid.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX  - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX  XXXX  - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} Late Payment XXXX - XXXX - {$1000.00} XXXX  - XXXX - {$1500.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$190.00} XXXX XXXX  XXXX - XXXX - {$1700.00} XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX - {$730.00}
Product: Student loan

Submitted a refund for a loan 12 weeks ago.

The timeline has changed multiple times and I havent received a straight answer on when I am receiving my refund.
Product: Debt collection

I get phone calls almost every day, I block the calls on my cell phone and then the company calls with another number. Sometimes more than once a day. I keep blocking and the company keeps calling. Its MIDLAND CREDIT MANAGEMENT. Sometimes it appears on the screen as MIDLAND CREDIT MANAGEMENT and sometimes as MCM. But always with different phone numbers. No matter how many times I block the calls, they call with another number. I do not owe any debts at all this is just a robo call scam.
Product: Prepaid card

I have a netSpend prepaid debit card that was given to me as a gift. I tried accessing the balance through their website and via phone. The website returned with an error. The representative on the phone told me she could not pull up the account details and advised me to send a text to XXXX. I sent a text to that XXXX and it said to register the card online. The expiration date is XXXX  but my understanding in CA is that they can not expire.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a certified dispute letter to XXXX stating the following : These items are inaccurate because student loans were consolidated XX/XX/XXXX, these are duplicate accounts. The consolidated loan shows up on page 5 of 10,  XXXX/XXXX  XXXX  XXXX  Partial Acct # XXXX. I am requesting that the items be removed to correct the information. 

Page 4 of 10 : 1 ) DEPT OF ED/XXXX Partial Acct # XXXX 2 ) DEPT OF ED/XXXX Partial Acct # XXXX Page 7 of 10 : 1 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4600.00} 2 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$3600.00} 3 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 4 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 5 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} Page 8 of 10 : 1 )  U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} 2 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} On XX/XX/XXXX, I received a letter from XXXX stating the following : " Outcome : Remains - the company that reported the information has certified to XXXX that the information is accurate. This items was not changed as a result of our processing of your dispute. Please review your report for details. '' This response was the same for each of the duplicate items I disputed.