23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance to The FCRA A disclosure of my nonpublic personal financial information by USAA FEDERAL SAVINGS BANK. This disclosure have violated my rights under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act, which restricts the sharing of nonpublic personal information without my explicit consent. 

***The account number reporting XXXX as a charge off. It also has been reported as a loss, and a collection on the account reporting. 

Details of disclosure has been reported to all XXXX credit bureaus. XXXX, XXXX and XXXX. I will also be attaching a copy of the disclosure contents reported on the credit reports attached to my Name, SSN and D.O.B that has been reporting to the credit bureaus.
Product: Debt collection

I have recieved A response from the named company stating I owe A debt taht i have no knowledge of. I filed A complaint against this company because they are reporting inaccurate information. When i requested proof of debt I was sent A credit card statement. Which is NOT proof of debt. Tis shows that somebody used my name or information and received A card in my name. I have not recieved A signed contract nor copy of my drivers license to show and prove that I am the party they are trying to collect on. I have stated now for the second time that i have not had any contracts, services or cards with this company or the named company on the statement they " Credit one '' Additionally I would like to add the address they have listed on  the statement is not my address. However as of today they are still reporting this incorrect information even after I have informed them that this does not belong to me. This is my final complaint in an attempt to have this company remove this incorrect data from my credit file or I will pursuit legal actions.
Product: Money transfer, virtual currency, or money service

I attempted to purchase puppies online and then never received them. The payment was made through XXXX and Navy federal credit union and they refuse to refund my money because I got scammed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX and XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Payday loan, title loan, or personal loan

This account with FMC-OMAHA SERVICE CT with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX Bureau and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account
Product: Debt collection

I sent certified letters to debt collector to validate these XXXX debts. They sent letters back stating they needed more information from me, which I gave them that on the letter the account numbers which are on my credit report. I stated on my certified letter that I wanted information from the original creditor with my signature and dates of the account. They did not have any information but the name of the creditor which I already knew that, because it is on my credit report. I would like both of these debts removed from credit reports. XXXX, XXXX and XXXX.This debt can not be validated.
Product: Credit reporting or other personal consumer reports

As of : Today CONSUMER PORTFOLIO SVC XXXX  Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : Auto Loan XX/XX/XXXX Closed Account charged off. {$22000.00} written off. {$16000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} {$22000.00} 72 Months Joint This company has reported to irs this is a charged off account and are having this reporting on my credit.they are committing fraud under fair credit act
Product: Money transfer, virtual currency, or money service

I was contacted via text message from supposed BofA asking if I authorized a charge to XXXX. XXXX weeks earlier, there was an attempted charge to XXXX that I did not make, but i was not notified by BofA. I responded that I did not authorize the charge and I was then contacted by a supposed BofA agent from the fraud department. The fraudster already had my debit card number, XXXX number and expiration date. I did not provide any person info. During the call, i became suspicious that i was being defrauded and attempted to contact BofA on another line. However, I was placed on hold and while I was waiting on hold, the fraudster told me that they were currently receiving information that my account was being hacked while I was on the phone with him. He asked if I was contacted BofA and I said that I was. I ended up hanging up on BofA on the other line because i thought he must be legit because he could tell that I was trying to access my account. In the end, i was scammed out of {$7500.00}. Within teXXXX minutes of getting off the phone with the scammer, I contacted BofA and it took me XXXX minutes to verify that I was actually scammed. Since then, the bank told me that since I authorized the transfer, i was liable. BofA never alerted me to the XXXX fraudulent XXXX charges or that a wire transfer was ocurring despite the fact that I have never taken that large amount of money out of my savings account. I continue to receive fraudulent emails and texts from what appears to be BofA. I received a new debit card from BofA and withing XXXX minutes of activating it, I received a fraudulent email from BofA about my card activation. I have an outline of all of this information if needed.
Product: Checking or savings account

I was charged {$280.00} on XX/XX/year> for something that I did not order. I filed a dispute with my bank, Wells Fargo, and denied it and took the funds back out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My credit report was used by a housing company manager from XXXX XXXX to deny my application for a lease. The company did not indicate as to how the assessment was conducted nor did they provide a copy of the report they used for the denial. 

As of XX/XX/XXXX, my report indicates only mortgage debt. I have paid off any derogatory payments which occurred due to a XXXX  in XXXX. 

It is imperative Im able to rent or lease which would improve the credit score for home buying. 

I need access to an updated a credit report which accurately provides leasing companies the information they require.
Product: Credit reporting or other personal consumer reports

letter Experian has failed to fulfill its legal obligations under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed, leaving inaccurate or unverifiable accounts information on my credit report and unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items causing ongoing harm to my credit standing and that is for years. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experia 's inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXXXXXX - XXXX - {$1300.00} XXXX XXXX XXXX XXXXXXXX - {$2100.00} XXXXXXXX XXXX XXXX XXXX - {$16000.00} Personal Information Former : XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX Known As : XXXX XXXX XXXX
Product: Debt collection

I have received an alert that IC Sytems has place two collection accounts on my credit reports. I dispute this debt and request debt validation and copies of all physical and electronic files sent to this company concerning this debt. This includes copies of contracts for service, Identification used to open account, billing and accounting for all amounts that claim to be due- There are two accounts one in the amount for {$190.00} and {$390.00} company XXXX XXXX . Please accept this letter as notice and I would like copies of these documents within 30 business days according to the FCRA and FDPCA laws. 

I called today at XXXX and was transferred twice they had no information and could not pull up my account. 

Please do not contact me by phone only mailing correspondence.
Product: Debt collection

I have dispute an alleged debt from XXXX for {$490.00}. The collector has never sent me any documents proving i owe the debt or how they claim i owe exactly {$490.00}. I do not agree so i disputed it. They allegedly verified it with the credit bureaus. They did not do a reasonable investigation and have failed to provide any proof. They also have been harassing me on my personal cell phone.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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: Payday loan, title loan, personal loan, or advance loan

THE COMPANY APPROVED A LOAN FOR {$1200.00} AND CREDITED {$1100.00}. IT FURTHER STATED THAT IT WOULD COLLECT {$2100.00} IN XXXX WEEKS. I HAVE NEVER SPOKEN TO ANY PERSON THAT WORKS FOR GIGGLE FINANCE, NEITHER DID I CONSENT TO THIS EXORBITANT FEE. THEY HAVE REFUSED TO ANSWER THEIR CALL AND HAVE CONTINUED TO COLLECT FUNDS DIRECTLY FROM MY ACCOUNT. THIS COMPANY IS EXACTLY WHY THE BUREAU WAS SET UP. I DID NOT SIGN AN AGREEMENT WITH THIS COMPANY. AS OF XXXX 2024 WHEN THE COMPANY SAID THAT THEY WOULD START DRAFTING FUNDS OUT OF MY ACCOUNT, I WAS NOT THEIR CUSTOMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 1. XXXX - Account # : XXXX 2. XXXX XXXX - Account # : XXXX Date Opened : XX/XX/XXXX 3. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX 4. XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX 6. XXXX XXXX XXXX -Account # : XXXX Date Opened : XX/XX/XXXX 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681c ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKEANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF COMVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received credit monitoring alerts that my credit score was impacted at XXXX XXXX and XXXX due to remarks placed on my Fedloan Federal Student Loan accounts. I contacted all four parties involved and each are pointing the finger at the other party. My student loans are under a Nationwide Administrative Forbearance until XX/XX/2020 due to COVID-19. I called all four organization in XXXX and XXXX of 2020 and each month my credit score has dropped 26-27 points. This is unfair and I would like my credit score to go back to what is was prior to the remarks on my student loan account. I also do not want to have to contact them every month about my credit file being impacted.
Product: Student loan

Hi, I had submitted a complaint before, and I did not have much information either. But I now know that the owner of the loan is XXXX University, but the servicer is XXXX  XXXX XXXX ( " XXXX '' ). My Perkins loans is showing as defaulted in the National Student Loan Database System ( " NSLDS '' ). I have called them multiple times to get this corrected, and each time they say that they submitted a  work order, but after 3 years of me fighting this, it is still showing as default. The loan is paid in full, and this is always causing issues when I request financial aid with my current university. I do not have any contact information for XXXX, but XXXX contact information is : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. 
XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  RETAIL CARD SERVICE XXXX/XXXX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2022 US Bank received my check for the amount of {$25000.00}, cashed my check and never applied the check to my auto loan balance. After I received notification that my check was cashed I called US Bank and they assured me that they were doing some calculations to apply the amount to the outstanding balance. After about 15 days I received a cashier 's check from US Bank for the same {$25000.00} XXXX sent to them. I called them and was told that since my balance was lower than {$25000.00} they refunded me the check. I tried to cash the check but they had put a stop payment to the check. I called them and was informed that they would send a new check without explanation why they had put a stop-payment. I have not received the check from them since XXXX. In the mean time I have my auto loan with them for which they charge me {$1200.00} interest every month. So my money is sitting with them without gaining interest but their money gains them {$1200.00} every month. I have been calling them from XXXX on and it seems like I am dealing with a XXXX XXXXXXXX XXXX  bank. I have never seen a bank this incompetent and unorganized. One telephone number to call for all your US Bank needs, and no one knows what is going on, except for the manager will call me. No check, no phone calls only my payments to them for the loan that must have long been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   improperly billed for an incomplete improperly installed HVAC home improvement project. The project financed remains incomplete, does not comply with state and local codes, is unsafe as installed and in dispute. No payments have been made on the account. Billing began in XX/XX/XXXX , with the subsequent three months showing 30-60-90 days late payment. In   XXXX     XXXX  finally issued a statement ( due XX/XX/XXXX ) showing no amount due and no late payments. The XX/XX/XXXX  statement was sent to all   XXXX   credit reporting agencies to dispute 90 day late account report. Result of investigation from all  XXXX  credit reporting agencies (  XXXX ,  XXXX  and Experian ) was to remove the single 90 day late for  XX/XX/XXXX from credit report and not remove the 30 and 60 days late for   XXXX   and  XX/XX/XXXX  on the credit report. This is incorrect as all billing,  XXXX ,  XXXX ,  XXXX ,  XXXX  was and remains premature and statements from  XXXX  forward now show  XXXX  due and  XXXX  past due .
Product: Mortgage

I have discovered there is Fraud in regard to a certain " Uniformed Secured Instrument '' / " NOTE '' associated with my loan/ mortgage. It has come to my attention that there has been a failure for " Navy Federal Credit Union acting as Trustee '' to disclose information to myself as a consumer for financial gain. " Navy Federal Credit Union acting as Trustee '' is involved in the illegal transfer on my Estate/Property, where documented fraud has occurred.This matter has been thoroughly investigated & will be personally delivered to the FBI, The Pennsylvania Attorney General Office, the Secret Service and all agencies for investigation and prosecution, resulting from violations of Federal Law including, but not limited to, COUNTERFEITING and CONSPIRACY TO DEFRAUD. It has come to my attention that " Navy Federal Credit Union acting as Trustee '' is in possession of a counterfeit " Security Instrument '' or " Uniformed Secured Instrument ( s ) '' that allegedly relates to my property, which was used to predicate/ claim standing to a foreclosure action and obtain a judgement the favor of " Navy Federal Credit Union acting as Trustee '' and reached the point of a sheriff sale of my property on XX/XX/2017 to collect said " alleged debt ''. The security instrument is not the original underlying " wet inked '' Promissory Note/ Negotiable Instrument Pursuant to Article 3 of the Uniform Commercial Code. Mortgage loans are Governed under Article 9 of the UCC only of the mortgage passes as an incident to its underlying debt. The security instrument that " Navy Federal Credit Union '' has is " unenforceable '' as it has no governance since it describes itself as a mortgage loan that is secured by the original mortgage only, and further describes itself as a " security instrument ''. " On its face '' this document has no negotiability pursuant to Article 3 of the Uniform Commercial Code, and there has not bee a presentment of the original wet ink signature copy of a verified authenticated copy of the original attached to the complaint in the foreclosure proceedings, providing the signature on the documents submitted was signed by my hands and is not a forgery, whereby the use of this counterfeit instrument to collect a debt is unlawful and fraudulent.
Product: Prepaid card

During XX/XX/XXXX/XX/XX/XXXX the security of my XXXX XXXX GCs ( XXXX $ XXXX {$17000.00} ) funds loaded was compromised. 
On XXXX XXXX 2016 a PPD dispute and request for replacement cards were filled. 
I have received some random replacement cards, repeated FAX request for remaining balance and detailed statement / ledger copies by mail are ignored. This is my request for 'Refund Check ' of the remaining balance and detailed current statement..
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached by Equifax. I have written them on XX/XX/2022 and advised them not to use my personal information nor private information without written or verbal consent.
Product: Credit card or prepaid card

On XX/XX/2020, I disputed an unauthorized charge on my Venture One card from Capital One for $ XXXX-XXXX XXXX. I did not receive taxi services at any time. XXXX XXXX   was unable to issue credit to me on his machine and told me to dispute it with Capital One. 
On XX/XX/2020, Capital One credited me {$65.00} XXXX XXXX. 
Later, Capital One charged me back for {$65.00} and told me XXXX XXXX, the merchant was contacted and said to give me back my {$65.00}. Capital One credited me {$65.00} Now, Capital One charged me back {$65.00} for a service that was NEVER given to me. 
I have called Capital One several times to make them give me back my {$65.00} and Capital One refuses to credit me, my {$65.00}. 
Today, XX/XX/2020, I called Capital One again for status on my claim and where is my {$65.00}? Agent told me Capital One now has to dispute this with Visa and it will take 90 days. It takes Capital One 30 seconds at most to credit me back-and Capital One was told by the merchant to pay me back {$65.00}. 
Capital One is stealing my money. Violations of the Consumer Protection Act and A.R.S. 44-1522 Unlawful practices by businesses.