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

This is my OTHER 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 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C 1681. The accounts listed below does not belong to me. I request that any sign contracts or disclosures be sent with my written consent. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hard inquiries do not acknowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reinvestigate the accounts listed
Product: Credit card or prepaid card

I tried to sign in tonight so I can send a message in regard to this situation and after only one attempt to log in, for some reason it told me I was locked out. How could that be? First problem. They must be experiencing server trouble tonight. I certainly was not about to attempt to call in at XXXX XXXX! 
I was surprised at my min amount due this month. I have been making my payments and on time for quite a while. In XXXX I also sent a large payment to try to reduce this bill and the min monthly due. I have not used the card since some time in late XXXX or early XXXX. The debt is all from vet bills. 
I was shocked to notice tonight, after some time, that the interest I being charged monthly on this card is pretty much my entire payment due! This is outrageous. At this rate I will never get anywhere! A bunch of interest free or low interest charges are all dropping off one by one and very close together due to the offer that the XXXX had. 
I am becoming concerned that I am not going to pay off this bill in years to come. I have a working son who will help me but it is very high. 
Something has to be done here. I was trying to contact them tonight to get this going.. If the interest rate is not lowered and I am going to continue on with a rate that belongs in bars.The interest rate is insane for this card.I am sincerely hope that the bank might still seem tense. I feel I am not going to be able to make my monthly payments very soon.
Product: Money transfer, virtual currency, or money service

Fraudulent wire transfer initiated by unauthorized access at my Chase Checking Account for the amount of {$7600.00} USD in multiple wire transfers on XX/XX/2023. Sending wire transfers from my account at JP Morgan Chase NA to a XXXX XXXX in XXXX, XXXX. Unauthorized access by obtaining access to the bank checking account and initiating the illegal international wire transfers.
Product: Vehicle loan or lease

I purchased my car from US Auto about 3 years ago. At the time I purchased the car the amount on the payment was very high and I spoke to them in decreasing my payment due to financial situation or take back the car for a lower payment or better car where I was having issues getting in and coming out of the car was not good for my size and let them know I was having issues with the car and then putting tracking system in my car that was causing my battery to die at times. I reported it several time and they refused to fix until after my car shut down and they had to send someone to come a fix it. Now my car have been sold to another company that took my payment over without me knowing about and notice that I have pay about XXXX into the car and still have about XXXX left on it in which the other company is trying to collect on. I am in financial hardship and explain that to the company and would like to trade it or refinance my car and not getting the answer I need to get out of this car. Now I am hearing over the news. That Us auto is under federal investigation due to illegal repossessed people car and stated they are in Bankruptcy. I would to know if they can be any stop payment of my car since it's a XXXX XXXX XXXX and it over the market price. So the vehicle is already pay for. I need some help in this matter.
Product: Checking or savings account

I am writing in regards to 10 approved but unpaid claims on my HSA account with Optum Financial. The claims were filed more than 7 weeks ago ( between XXXX and XXXX XXXX ) and have all been approved since XXXX. The 10 claims total over {$550.00} and I have called customer care 4 times ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and every time I am given a new case/ticket no. but with zero updates or progress. Previous tickets have been closed without any resolution and every time a new ticket is created with no updates. 

Requesting help with my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  THE XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a XXXX XXXX can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

They have locked me out of my account Equifax I was on the phone with them. She said that she changed my I did the security questions and I passed them. Then she said she change my email and my phone number and to log into my xlfax.com and she was gon na send me the link through email and she never did she just sent it email for a review to give her a review of all three have hindered me from getting into my account even after verification and security questions past they still will not let me get into my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect and outdated address information and My name currently listed on my credit report. The following addresses and name are being reported incorrectly and should be removed from my file as they are not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : BANK OF AMERICA - XXXX - I do not recognize this at all. - Delete this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX5 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.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX Account Number:XXXX has not provided any information to validate this debt as accurate and mine. The company has only provided to me a copy of a fraudulent auto loan contract which I have attached to this complaint. 

Under law 15USC6801 and 15USC6802 requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus.
Product: Mortgage

spoke with my mortgage lender and I was informed I was approved for a mortgage modification. I was also told I had been approved for a mortgage modification and my 1st payment was due XX/XX/2019. I have not received a letter saying I was approved for the modification or when the first trial payment is due. 
The mortgage company has my home in foreclosure and I have not received any mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th 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 XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is Reporting incorrect personal information fraudulent address companies name EXPERIAN
Product: Checking or savings account

I deposited a check using mobile deposit. The screen confirmation told me that there would be a 2 day hold on my funds. I then received a subsequent e-mail stating that my funds would be held for five days. This additional hold has caused me not to be able to purchase food for myself or my family. I called Navy Federal and they stated nothing could be done because their security team does not work on Saturdays.
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. 

Account # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXl XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX Florida XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/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 take any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crimes which antedates the report 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: Student loan

I called Navient on XX/XX/2018, to inquire about my account. I was about to make a payment of {$110.00} and noticed it defaulted. That was a surprise because about a month ago, XX/XX/2018, my husband and I called Navient to make a payment. 
The rep ( I'll call her XXXX ) told us paying {$110.00} would put the account in good standing. 
The rep I spoke to on XX/XX/2018 ( I'll call her XXXX ), informed me saying " Yes, it was in good standing ... for XX/XX/XXXX. '' In short, though XXXX told me the payment would be fine and my account wouldn't be in default ( we asked at least 3 times to be sure ), it went to XX/XX/XXXX. Three days later, explained XXXX, my account defaulted for nonpayment. I told XXXX that had I known this, I would've paid for both months. XXXX didn't look to see if the conversation I had with XXXX was documented, I asked and she didn't respond. The only solution XXXX gave was to put my account in deferment. I refused because I knew Navient would tack on the interest on the back end. 
With only that solution, I told XXXX I'll still make a payment. XXXX then stated, " for the record XXXX XXXX will make a payment {$110.00}. XXXX for XX/XX/XXXX. '' I stated, " no, for the record, this payment I make is for XX/XX/XXXX. '' I contacted Navient 's Customer Service Advocate, but I haven't heard from them. I received an email from Navient giving me alternative options if I'm having trouble paying. 
I know I've got to pay this loan back and I'm willing to do so, but I'm tired of Navient continually giving me a hard time. Whenever I speak to a Navient customer service rep, it's like they have several different departments because they seem to keep no documentation ( though I know they do ) of the previous conversation I had with one of their reps. I'm told one thing by Navient 's reps and believe everything to be fine, but when I see my account messed up, I'll call and it's like I might as well have called a different student loan servicing company. 
I want this matter corrected, preferably putting my account back in good standing and not showing that I'm a month behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls Department Store had reported that my wife and I were delinquent in our monthly payment in XX/XX/2022 which was not correct. We actually over paid them and they owed us and are sending a check to our address. This effected my credit score and was no fault of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) **** Alleged Account 1 : XXXX  XXXX XXXX Alleged Account # : XXXX
Product: Credit reporting or other personal consumer reports

I have settled a debt with this XX/XX/XXXX and have been paying the agreed upon dues for 3 months now. The XXXXXX/XX/XXXX is continuing to report delinquent payments effecting my credit score negatively.
Product: Mortgage

I fell behind in my mortgage due to a change in income, I lost my job.My home has a forclosure date of XXXX/XXXX/2016 on it. I have been trying to work with Wells Fargo to remedy my situation. I have an active purchase offer for my home. I faxed in the offer with proof of funds from the buyer to Wells Fargo on XXXX XXXX, 2016. They have told me they may not accept the offer due to time frames. I need help to postpone this forclosure. Please help.
Product: Debt collection

This time I spoke with XXXX XXXX on XXXX/XXXX/2017. The last conversation was with a representative in XXXX. XXXX XXXX refused to provide last name or any contact information. He said he was the only XXXX XXXX at the call center and there was only one call center.
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I received a letter in response to a dispute that merely had the amount I supposedly owe and verbaige that simply stated it was validated. I do not recall this debt. I reached out to both the original creditor and insurance company MNET referred me to and neither have any information regarding me or this account.
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MNET stated they validated the debt by confirming it with the original creditor and that they do not have proof just the original creditor saying it was mine. It is not.
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I requested proof in the dispute request. Proof they own or were assigned the account. Proof of the amount and supporting documentation not just their say so.
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I never received any written or verbal correspondence outside of a recent letter saying this is yours and you owe {$860.00}.
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They kept telling me today the limitation of 30 days is up and they do n't have to provide proof. What 30 days. I noticed this in XXXX on my credit report and disputed right away.
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The FDCPA ( Fair Debt Collection Practice Act ) If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report.
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The FCBA ( Fair Credit Billing Act ) also states that they can not validate a debt with a credit bureau until they provide me with validation. They have validated and I have no validation. They validated with XXXX not with me.
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 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: Credit reporting or other personal consumer reports

XXXX  XXXX said I was behind on payments I made a {$20.00} payment they didnt report it to my credit report then 30 days later I paid the full past due monthly balance of {$100.00} and it haa almost 30 days again and they still have not reported neither payment to XXXX or Transunion XXXX and when I did a dispute and showed proof bank statements where I paid the two payments, XXXX XXXX lied and said they only received {$20.00} from me! They called me everyday over XXXX times a day harassing me for payment and when I finally was able to make it they lie and say I never made it, this is illegal.
Product: Checking or savings account

I accidentally set up auto deposits into my robinhood account and had a reversal due to lack of funds in my account they were attempting to transfer from. Because of this reversal I never owed Robinhood any money as they wait for funds to clear until I can access them. Ive maintained a positive account balance with cash available unspent on any investment. However they refuse to give me access to these funds for either debit card purchases or transferring out into another account. However they will let me make trades with these funds which doesnt help bills get paid. The last transfer of {$200.00} cleared and they still refused to give me access to spend or withdrawal the funds except for trades. Ive contacted the company multiple times and they completely ignore my concern stating I dont have instant access to deposited funds which has been the case for a long while and not the issue at hand. They are causing undue stress and hardships on me by denying me access to cash available to spend anywhere besides robinhood. This has been an issue for over a month being unresolved.
Product: Credit reporting or other personal consumer reports

I have several addresses that do not belong to me that I have filed a complaint over in the past. PLease remove the following addresses : XXXX XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 

The is a fraudulent account that was on my credit report that I have never don business with this company XXXXXXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received an XXXX alert regarding a new address added to my account. 
I do not recognize such addresses nor a given phone number that appears to be new as well as I have been a victim of identity fraud recently. 
The addresses are : XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX BOWENS XXXX XXXX XXXX XXXX XXXX TX XXXX and the Unidentified phone number is : ( XXXX ) XXXX Please have these information removed from my credit report immediately. 

XXXX XXXX
Product: Credit card or prepaid card

Direct Deposit scheduled for XX/XX/15 and never received was told by company it would be fixed by XXXX and several people have gone days with no deposits after being promised it would be fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION WAS STOLEN IN A DATA BREACH I HAVE NEVER LIVED IN XXXX, TN I LIVE IN XXXX, MS THESE ACCOUNTS ARE NOT MY ACCOUNTS AND NEED TO BE REMOVED ASAP.