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

In accordance with the Fair Credit Reporting Act ( FCRA ) and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ALL has violated my rights. 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I tried to close my account with CashApp and after confirming in the android app that I wanted to close my account, I was prompted to enter my phone number. There was no confirmation of account closure after hitting the confirm button for account closure. Instead of closing my account, it re-opened my account and sent me through the registration process again. I had to repeat the process and remember not to enter my phone number the next time. 

This is a dark pattern of customer retention and should be outlawed if it is not already illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY INDENTITY AND OPEN SEVERAL FRAUDULENT ACCOUNTS USING MY PERSONAL INFORMATION FOR THIER GAIN I AM VICITIM OF IDENTITY THEFT
Product: Debt collection

Security Credit Services have refused to allow me to seattle the account. I have provided all info for a medical hardship to seattle the account which they have refused. I have spoken with a XXXX XXXX she has been hostile and refusing to resolve.
Product: Checking or savings account

On XXXX an ACH was set up to transfer funds into my PenFed account. The ACH was processed successfully the next business day and PenFed put a deposit hold until XX/XX/XXXX. I have attempted to access the funds multiple times since then and PenFed has continuously blocked my account. I have repeatedly asked for an official communication that is compliant with Title 12 and Regulation CC addressing the availability of funds. That request has repeatedly been denied. Initially on XX/XX/XXXX I was told that they wanted me to supply proof that the funds had cleared the sending bank account. I resisted the request, explained that my rights to access the funds under Title 12 and Reg CC were being infringed upon, and the associate agreed with me saying that the account would be unlocked. He went on further to say that if for some reason the account was locked again I simply needed to say his name or provide his employee badge id to have it unlocked. Since then my account has been locked again and they have added to the documentation requirements. On XX/XX/XXXX I expressed concern to a supervisor that none of this made sense and I was concerned that I was being racially profiled by someone with access to the backend of PenFed 's system that was terrorizing my life by infringing on my rights under Title 12 and Regulation CC. The supervisor was immediately dismissive of my concern and went on to defend himself, as if I had said he was the individual racially profiling me. In the morning of XX/XX/XXXX I emailed a Unit Manager expressing the same concerns of Title 12 and Reg CC, along with the XXXX profiling. That email has not been replied to. On XX/XX/XXXX I had a conversation with another manager who insisted the additional documentation was required. My reply to him was that I have repeatedly asked for an official communication that is compliant with Title 12 and Regulation CC regarding my access to funds in my account. He said it was a reasonable request but it has not been received. Also of concern, during that phone call the manager made a statement that PenFed captures and retains demographic information regarding their customers which only compounds my concern of XXXX profiling by someone with access to the backend of their system. In a separate conversation with another manager I read the language of the law in Title 12 and specifically asked if my request for an official communication that is compliant with Title 12 for funds availability was being denied ; rather than take the concern and request seriously the manager 's unprofessional response was to say that I was good at reading the script.
Product: Debt collection

Subject : Cease and Desist Collection Efforts and Delete Nonpublic Personal Information Dear Jefferson Capital Systems, I demand an immediate cease and desist on all collection efforts regarding my account. I have filed an Identity Theft claim with the Federal Trade Commission ( FTC ) against your company due to the unauthorized sharing of my nonpublic personal information. 
As I have made you are aware, XXXX and XXXX provided you with information related to a canceled debt that can not be collected on and is now considered my income, as evidenced by the 1099C filed in XXXX. Your inability to provide a sworn affidavit stating that XXXX XXXX did not write off this item as a loss and claim it on their XXXX taxes renders your furnishing incomplete and inaccurate. 
This is a strong form of Identity Theft. Your company has furnished false information, attempting to extort payment from me, causing reputational and financial harm without verifying the information from all parties involved. You have no written contract with me and have not obtained my consent to share my nonpublic personal information. 
I demand that you : Immediately cease all collection efforts. 
Delete and destroy all nonpublic personal information related to me. 
Stop reporting this false debt to credit bureaus. 
I demand immediate compensation of {$25000.00}, comprising $ XXXX for 10 months and {$5000.00} in damages for harm to my credit score and reputation. 
Failure to comply with these demands by XX/XX/XXXX, will result in further action, including filing a comprehensive complaint with the SEC and placing a lien against the surety bonds of Jefferson Capital Systems, XXXX XXXX, and XXXX XXXX XXXX XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

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 notifiied the company and no response.I received investigation results on XX/XX/2020. I asked for method of verification in mid XXXX which transunion started looking at on XX/XX/2020 and no response came from them in the required time period of 15 days. It has been more than 15 days. The uploads document this.
Product: Mortgage

My house was sold in a foreclosure sale, while I was trying to work out a Workable Solution with CitiMortgage. I contacted with the foreclosure team a CitiMortgage, I had several Homeowner Specialists every time I sent in some paper work. I would have to explain my situation and hardship all over again. My mortgage fell behind when I was injured on the job, forced to resigned from my position by my employer. I had been waiting on Justice, praying everyday that my case would be solved before I went into foreclosure. I filled out an application, CitiMortgage sent me the wrong application, they were fully aware I would not qualify for a HARP loan. I was trying to get some homeowner assistance, that would give me short term help. I receive a letter from CitiMortgage stating I had to get my paperwork to them by XXXX XXXX. XXXX, I faxed the information back to them, on XXXX XXXX, XXXX there was a XXXX XXXX letter on my porch, inside it read, I had been denied, along with other reading that did not apply to me. I will fax all information to your office. 
I contacted XXXX XXXX, a company Director, because I was confused as to what was going on, Later another Homeowner Specialist contacted me, but, they kept playing phone tag. Every time I would call they could not take my call, they state that they would call me back, I would have to call them back or they would not have the information needed. The homeowner Specialists did not try to help or give me options to keep my house. I have been in this house for seventeen years and I am XXXX years old, I do n't know how pack up my stuff and look for somewhere to go. I am just sitting on edge now.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$520.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$360.00} **Inquiries** XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 3 hard inquiries made by XXXX XXXX XXXX on XX/XX/2023. 
These three inquiries occuring on the same day should be listed as one inquiry. As you can see on the attached file, both XXXX and XXXX listed those inquiries as one per the FCA requirements. Experian is listing these hard inquiries as three which is hurting my credit score. 
I called Experian on XX/XX/2023 at XXXX and spoke to their agents XXXX. He refused to give me a reason why they are listing these hard inquiries as three instead of one event. He also refused to give me a case number or his agent ID.
Product: Checking or savings account

Somehow someone got into my chime account from my email, I received an email XX/XX/2024 around XXXX stating I received an email from chime stating that I received an link to get into my account, I never received a link to my phone number or email. After that I received 2 other emails stating I was logged on to a new device, after that last email is when all money was taking from my account! I didnt notice until around a hr later around XXXX I received an email stating that my funds had dropped below the amount I have set for! This person sent from my banking accounting to their XXXX account the remaining balance in my account. I contacted my mobile bank which is chime and they told me to wait for the charge to clear and then start with the dispute process. I reported the scam account to XXXX I also blocked the recipient and tried to send for a refund! Chime AND XXXX both denied my dispute. 3 unauthorized transactions occurred which totaled to {$980.00} be taken out my checking account. Chime states they only see 2, I sent in multiple times evidence and attempted to reach out multiple times and still denied my dispute.
Product: Payday loan, title loan, personal loan, or advance loan

My personal account for XXXX XXXX. Is owned by another company. A company that I have not signed any agreement with. This was in XXXX. Now I'm on XXXX and I had a officer to serve me court papers to come to court for this bill and the company name i have no knowledge about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have couple of Inquiries which i never recognized 1. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 2.  XXXX XXXX XXXX on XX/XX/XXXX i never asked them to do any Inquiry, requested them to remove it but they never listen to me. Also i never took any loan from them. 
3. XXXX XXXX XXXX on XX/XX/XXXX, i never asked them to do any Inquiry, requested them to remove the inquiry but they never listen to me. Also i never took any car loan from them. 

4. XXXX on XX/XX/XXXX 5. XXXX ( XXXX XXXX ) on XX/XX/XXXX 6. XXXX ( XXXX XXXX ) on XX/XX/XXXX 7. XXXX ( XXXX XXXX ) on XX/XX/XXXX
Product: Debt collection

I received a letter from Atlas Financial Services dated XX/XX/22. It was sent to my prior address in an envelope commonly used for " junk mail ''. It stated I owed XXXX  XXXX XXXX {$400.00} in principal and {$150.00} in interest for a total of {$550.00}. 

Atlas Financial did not include the language that I have 30 days to dispute the debt and are in violation of the FDCPA. 

I have sent a letter disputing the debt as my records show I paid XXXX  XXXX XXXX in full. 

Thank you, XXXX XXXX
Product: Credit reporting

There are XXXX collection accounts on my TransUnion credit report that do not belong to me. I did file disputes, but they are still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX contacted transunion stating XXXX XXXX is reproting incorrect information. 
Contcted XXXX and XXXX as well. All 3 XXXX XXXX loan accoutns were discharged through XXXX. XXXX XXXX has refused to comply with Credit standard and states this is a charge off in stead of included in bankruptcy. extended date to remain on credit report from XX/XX/XXXX to XXXX XXXX with this being inaccruate information it is to be removed from all thre credit rerpotong agencies. 

This has caused a lowering of my credir score. 
XX/XX/XXXX applied to XXXX credit was denied ststing I hsve a credir score from Transunion of XXXX. This is incorrect it shold be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect addresses are reporting on my credit report. Ive sent numerous letters to the bureaus demanding to delete the incorrect information on my report. 

XXXX XXXX XXXX XXXX GA XXXX is not my address. 

Also inquiries are reporting on my report that I dont recognize XXXX XXXX XXXXt XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX  XXXX XXXX XXXX
Product: Debt collection

I never received papers before the judgement.i was never contacted about the debt. I was never served!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. I have been patiently waiting on Equifax 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX )
Product: Credit reporting or other personal consumer reports

Please process dispute these accounts has been on my credit report inaccurately reporting on my credit file. Please help me out.
Product: Checking or savings account

Navy Federal Froze my accounts on XX/XX/20 without any type of notifications. The company failed to send me an email, Text, or Phone call to inform me About anything. After attempting to use my debit card that was declined, I provided a call to the Navy Federal on XX/XX/20. After calling to see why the debit card was declined, A representative informed me that the company placed a freeze on my accounts for security purposes. The Company is  requesting proof of ID and residents. Ive provided this information to the company multiple times prior to the incident. Ive yet again submitted the information to the company and they have yet to unfreeze my accounts or release my funds to me. This is unexceptional and action needs to be taken ASAP!
Product: Student loan

Federal loans are supposed to be XXXX due to XXXX & XXXX XXXX through XXXX XXXX XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

Improper investigation on behalf of XXXX, and experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint onve again to request to the Credit Bureaus to investigate and correct my Credit file by removing the disputed accounts completely from my Credit file. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} - XXXX  is reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the account as soon as possible.
Product: Credit reporting or other personal consumer reports

I have several fraudulent and hard inquiries on my credit report negatively effecting my XXXX XXXX. 

I did not authorize these hard inquiries and believe I am a victim of identity theft. 

Please remove them from my credit report as soon as possible. The following fraudulent unauthorized hard inquiries must be removed immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove all of the above listed fraudulent hard inquiries from my credit report immediately.