23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The security questions used to verify identities at the major credit bureaus are not secure. The default questions at all bureaus are based on credit reports, but identity thieves often have access to them. The solution would be to add extra questions that are not based on credit histories. XXXX allowed me to do so, but Experian and XXXX  refused. 

Their refusal leaves me vulnerable to identity theft. Even though I have credit freezes in place, identity thieves could lift the freeze by calling the bureaus, answering questions using my credit history, and then asking for my credit freeze to be lifted and replaced. This would assign a new PIN for the freeze, which the representative is willing to read over the phone -- -to anyone impersonating you on the phone. ( Identity thieves have lifted credit freezes on my accounts twice, but I am not sure if this is how they acquired the PINs. )
Product: Credit reporting, credit repair services, 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 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, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I accidentally sent someone XXXX XXXX  and I spoke to cash app support and they told me they cant do anything
Product: Debt collection

Care Credit sent my statement to an unknown address. I was not aware that I had missed a payment until i received an email from the company that I was past due. I was charged a {$30.00} late fee on my bill for something that was no fault of my own. I requested a copy of the missed payment from Care Credit to be mailed. That is when I discovered that my bill had been returned to Care Credit. The Agent I spoke with on the phone failed to disclose this to me. This {$30.00} late fee should be removed from my bill due to Care Credit 's error. Please assist me in this matter. I have attached documents received from Care Credit stating the same.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ca XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear Sir/Madam, Re : Request for Account Information I am writing in reference to the above-mentioned account, which is reported on my credit report as a profit and loss write off, I would like to clarify that I am not disputing the accuracy of the account at this time. However, I am requesting the following information to better understand the timeline of the account : 1. The date of the first delinquency for this account.

2. The date the last payment was made on this account.

3. The date of the charge-off of this account. 

Please provide this information at your earliest convenience. You may send the details to the address listed above or contact me via phone or email if further clarification is required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019, I was checking my credit score. When I came across the information, concerning one of my credit cards with XXXX XXXX XXXX XXXX/Comenity Bank. It appears my credit limit was lowered again without my knowledge. I have never been late and I'm working on my credit, in order to improve it. Now, since the Comenity Bank lowered my credit limit and my credit utilization is high causes my credit score to be lower.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent information on my credit report, I have requested validation and never received. PLEASE DELETE ALL ACCOUNT FROM MY CREDIT FILE
Product: Debt collection

Sent multiple certified letters in the last 6 months, disputed with reporting agencies, and verbally asked for report to be deleted because of failure to provide documentation within 30 days of receipt of the letter. Started getting emails for the past month, which I have filled out dispute forms and tried to call company. Nothing has been successful in my attempts to delete the inaccurate report and stop the communication
Product: Mortgage

First Complaint filed  XXXX - XXXX -2017. This is the second complaint filed because the bank lied in their rebuttal letter. I received a letter from Pentagon Federal Credit Union dated   XXXX    XXXX , 2017, hardship letter and another letter them charging me another attorney fee for being late. This Banking institution denied two home modifications and I have paid an enormous amount of money in attorney fees to their banking institution. In addition, to my mortgage payment that I am struggling to pay and my current payment arrears my home flooded on  XXXX - XXXX -2017 see pictures enclosed. Pentagon Federal Credit Union sent a modification application and a denial letter included inside of the application before I even had the chance to complete the forms. I have enclosed the hardship withdrawal letter that pentagon federal sent and the denial letter so this will be there third denial for a loan modification. This institution even has people coming to my house to see if I want to sale the property all hours of the night. There is a number listed on Pentagon Federal Credit Union to call   XXXX   XXXX   at   XXXX   and I have called 27 times since receiving this letter and no response. I feel unsafe to stay in the house because I feel that someone at this bank has it in for me and really want this house Please Help!!
Product: Money transfer, virtual currency, or money service

My IRS refund check was stolen and cashed
Product: Money transfer, virtual currency, or money service

I received a transaction number and photo of a receipt from a wire transfer, sent by a man who is buying a puppy from me. He has boughta puppy from me eight years ago. We have a history of good, valid transactions between us. Occasionally I have litters and ship them, but need payment prior to shipping and have never had a problem with any wire transfer via walmart in the past ( over ten years or more ). 

Today, when I went to pick up the money, they confirmed via the transaction number that the money had been sent, but refused to pay the money and told me to call RIA at XXXX. I called them and they said the sender needed to call. The sender called them and they asked him questions about ME. How well did he know me? Had he ever met me face to face, etc. etc. etc. 

In the end, they told him he had to get a refund, that they refused to issue the money to me. 

When I called them back, they said they had no record of his call. 

I feel Walmart has no right to deny me the money. They received the money from him, which now he has to go back to the store for a refund, He received a receipt, so what gives them the right to deny me the money? 

This has caused an inconvenience to me, and a discredit to me, since I am the one who asked him to use Walmart in the first place. Now I have an upset customer, as well as no money, and I do not believe it is legal for them to deny funds based on whether or not he has ever " seen me face to face ''. 

I have no pending charges or disagreements with any customers. I have years worth or good reviews from satisfied customers, both on puppy sites and with the XXXX XXXX XXXX 

There is no reason for Walmart to step in and deny me funds. I feel this is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Federal Perkins Loan was established in XXXX for myself. I completed my higher education in XXXX of XXXX and my loan was then eligible for payments in XX/XX/XXXX. Any time I received a bill in the mail, I paid it, via check in XXXX. This is shown in the enclosures that I made payments in XX/XX/XXXX to cover XXXX & XXXX of XXXX as well as XX/XX/XXXX to cover XXXX and XX/XX/XXXX. To the best of my ability, I do not recall receiving any other statements or past due notices in the mail. I also did not receive any emails or phone calls stating I needed to make a payment. When receiving a bad address notification, due diligence was not performed on behalf of University Accounting Services and I was not contacted via any other method with the information on file. My phone number and email address as of XX/XX/XXXX are still accurate. The information of this loan being delinquent and being reported to the three main credit bureaus as such is inaccurate because I did not receive notification that I had payments to make or that my loan was past due. I received 4 years of unfair late charges due to this diligence not being performed and not being notified of this loan still being open. UAS continued to submit information that was known incorrect, I am entitled under these laws to notices concerning the reporting, handling, and use of my credit information and was not notified of the negative handling of this account, another violation under the CRA. UAS failed to notify me when it supplied and continued to supply negative credit information. This would have been detailed in a billing statement but referenced above, they were not received, and all of these violations would have been avoided, had due diligence been performed on behalf of UAS in getting in touch with me. The company has not complied with my request to have this negative information removed from my credit report, even though I paid the full {$1300.00} on XX/XX/XXXX, including over {$350.00} of unfair late fees accrued over 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized, unverified inquires on my report. Due identification theft. 

I have put a credit freeze and fraud alert on my credit profile. 

The companies are not helping at all,
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing a letter of dispute. I have included a copy of my driver 's license and social security card to validate my identity. In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 
I am formally requesting verifiable proof of the original consumer contract with my personal signature on the record. 
I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. 
I formally demand the following negative account records to be verified and/or removed immediately. 
Must provide proof of all your verification of the debt Explain and show me how you calculated what they say I owe Provide me with copies of any papers that show I agreed to pay what they say I owe with the original contract and my signature Identify the original creditor Provide a verification or copy of any judgment ( if applicable ) Please provide proof of the debtor, that they are licensed in my state and provide me with their license numbers ( if applicable )
Product: Debt collection

On XXXX/XXXX/16 I received a collection notice from Credit Protection Association L.P. for {$400.00} service balance due to XXXX There is an additional collection fee of {$100.00} that is added on to the service balance. This is more than 25 % of the original balance and extremely high! I have not signed any contracts agreeing to pay for collection fees. The notice says to remit payment to XXXX XXXX even though the collection notice came from the collection agency. Why am I being billed for an additional {$100.00} collection fee if I 'm supposed to pay XXXX XXXX? A month later I received another bill from XXXX XXXX. So now I am confused as to who actually is the current creditor. The original notice also stated that the account would be reported to credit bureaus by XXXX/XXXX/16. On XXXX/XXXX/16, I received another notice stating it would be reported XXXX/XXXX/16. The inconsistent information that I 'm receiving from the creditor and collection agency leads me to believe that they are trying to defraud me.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I just want To Equifax to read this and tell me what is their definition of this Federal Law? AND TELL ME WHY YOU CA N'T PROVIDE THE INFO THAT I 'M REQUESTING YOU MUST NOT HAVE IT IF YOU CA N'T PROVIDE IT? SEND IT OR DELETE IT ... .. 
PLEASE READ THIS AND TELL ME WHAT DOES THIS MEAN?????????????????
Product: Debt collection

Starting XX/XX/year> and most recently XX/XX/year>, I received about 20 phone calls so far. Here are the details. Either Comenity Bank with different phone numbers or Unknown Caller appears in caller ID of repeated calls in which the caller sometimes leaves a message asking for a XXXX XXXX. 
I have not had a chance to tell them they have the wrong number. Either they hang up or its very inconvenient timing. 
These calls are not for me.
Product: Debt collection

I am not sure where the debt came from because I have never had a bank account with XXXX XXXX XXXX XXXX. I went to a branch that is about 45 minutes away from me and they could not help me. According to them they could not find an account in their system that bared my name or social security number. That said, The XXXX XXXX XXXX XXXX unknown/fraudulent collection accounts on my credit. I have reached out to them and I have not heard back but they verified the accounts belong to me- the don't!!
Product: Credit card or prepaid card

The XXXX XXXX XXXX advertises you earn 2x points at Restaurants. I charged {$150.00} at XXXX XXXX in XXXX XXXX, FL on XX/XX/2020. I was only awarded 1x points and not 2x as promised. Other restaurants on my statement have earned 2x but this one has not. At {$150.00} I should be entitled XXXX  points instead of the XXXX  points. 

Terms of the program state " Purchases must be submitted by merchants using the merchant category codes for purchases in the above specified categories to qualify for the additional XXXX  points. Barclays and XXXX are not responsible for incorrectly coded purchases. '' However, the billing statement, the merchant is classified as " XXXX XXXX - XXXX  '' with a " doing business as '' a restaurant. This is probably happing with many other customers. The merchant had submitted as a Restaurant. This blanket disclosure should not be a scapegoat in Barclaycards responsibility to reasonably fulfill their accelerated points offers and should be challenged by the CFPB for UDAAP concerns during their next exam of marketing and fulfillment.
Product: Vehicle loan or lease

This is an identity theft account that o have provided documentation for, however the creditor will not remove it fro my account. 

I have provided all information requested to validate my address as well as documentation proving identity theft, however the creditor will not remove from my reports. 

I have also asked the creditor Go Financial to validate however they have failed to do so and it 's been 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXXXXXX XXXX XXXX : {$740.00} XXXXXXXX XXXX XXXX XXXXXXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : INSTRUCTION TO BLOCK AND DELETE on XX/XX/2022 XXXX XXXX Number XXXX " Picked up at a postal facility at XXXX pm on Tuesday XX/XX/2022 '' Dear Equifax, I am writing once again to follow up regarding my FTC Identity Theft Report which was submitted to you with a complaint to the Consumer Financial Protection Bureau. The ID Theft report included the information to be blocked from reporting. I also enclosed appropriate proof of my identity and a statement that the information is not information relating to any transaction by me. 

With XXXX XXXX XXXX XXXX confirmation that you have received the required documentation at XXXX pm on Tuesday XX/XX/2022, I am now DEMANDING that the information is blocked and deleted from my consumer report IMMEDIATELY : Account Names and Account Numbers : 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 Pursuant to 15 U.S. Code 1681c2 ( a ) : Equifax 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, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT ( Monday XX/XX/2022 at XXXX ). 

THIS IS NOT A DISPUTE, AND THERE IS NO 30-DAY TIMEFRAME. 
15 U.S. Code 1681c2 ( a ) does not necessitate any 3rd party input or response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I logged onto Best Buy 's website, and observed my total balance. After observing the total in the amount of XXXX ; I paid my account in full. In XX/XX/XXXX it was brought to my attention that the same account was sixty days delinquent. As soon as this was brought to my attention, I immediately paid the current and incorrect stated balance. Upon finding out how this error negatively affected my credit score, I contacted Best Buy on XX/XX/XXXX in an attempt to determine how to resolve the inaccuracy. Best Buy told me that forty dollars remained, and there was nothing they could do ; they would not accept the fact that they made an error. At this point I pleaded with the Best Buy associate ; asking why would I pay XXXX and not XXXX, and was brushed away with, " there is no difference between XXXX or XXXX XXXX, you'll have to dispute it. '' I then proceeded to XXXX, and filed on dispute. The dispute returned results on XX/XX/XXXX, but stated that the creditor 's information was accurate. I immediately called XXXX, asked a few questions, realized what they do to dispute, and was told my history meant nothing. It does not matter that I had no other negative remarks/data, or a little common sense is all that is needed to show the insanity within ruining someones hard earned credit just because the creditor says so.
Product: Checking or savings account

Ive been an avid Navy Federal credit union member since XXXX, though weve switched account in early XXXX. Throughout the years, there would be instances where I would have funds in my account ( $ XXXXXXXX XXXX  ) and would go and spend the cash somewhere or move it to another account. However, on the backend my account would show that that money was not there which would sometimes cause my account to overdraft anywhere up to {$30.00}. This has been an ongoing thing since Ive had an account with them and I am a member to this day in XXXX just trying to see what we can do about situation, as well as implementing a better system to prevent stuff like this happening to others.