23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I've tried to use this digital prepaid card on XXXX, XXXX, XXXX, XXXX and none of them will process the order. They keep saying that the card company has declined and to check my funds. The card had {$26.00} on it, and there are now XXXX {$.00} pending transactions from XXXX ( maybe authorizations from adding it to XXXX XXXX? ). Those are the only transactions I can get to process and I don't even know where they came from. Even if I try to spend only {$20.00} of the funds, the card is still declined. I just want my {$26.00} reward from XXXX to be accessible. It was supposed to be a visa, but I got stuck with this sucky amex.
Product: Bank account or service

Opened a checking/ savings account with Navy Federal Credit Union on XX/XX/2017. I have monthly credit monitoring and received an alert that Navy Federal Credit Union had pulled my credit report. I did not apply for credit card or a loan and did not give permission to Navy Fed to pull my credit. Called Navy Fed on XX/XX/2017 to ask why my credit was pulled. Customer service representative first said she was not sure why since there was not any credit or loan applications in my account. She put me on hold to further investigate, and when she returned, she told me that it was supposed to be read to me, it was on the disclosure agreement ( opened the account over the phone ), and Navy Federal was pulling credit reports to have the reports in their file if I apply for credit or loan in the future. No one informed that my credit was going to be pulled when I opened savings and checking account! I have closed my account with Navy Fed. Please investigate! Thank you!
Product: Debt collection

I received an email from the debt purchaser on XX/XX/XXXX, notifying me of an attempt to collect the debt. I responded to the email requesting validation of the debt, per the instructions in the email itself, however the debt purchaser has not responded since I requested the validation on XX/XX/XXXX. The debt purchaser has since continued attempts to collect the debt despite never responding to my request for validation.
Product: Credit reporting or other personal consumer reports

I SENT A DISPUTE THROUGH THE CFPB PORTAL TO TRANSUNION, ASKING FOR THE " METHOD OF VERIVICATION '' OF AN ACCOUNT REPORTING ON MY CONSUMER REPORT. TRANSUION SENT A RESPONSE SAYING THIS DISPUTE WAS FROM AN UNAUTHORIZED 3RD PARTY. { { LET ME MAKE IT VERY CLEAR, THIS DISPUTE IS FROM ME AND ME ONLY. I SENT IN MY PROOF OF RESIDENCE, MY SOCIAL SECURITY CARD, A VALID PHOTO ID, AND A BILL PROVIDING EVIDENCE THAT THIS IS ME } } THIS IS A STALL TACTIC ON TRANSUNIONS PART AND IT WILL NOT BE TOLERATED. YOU WILL NOW AGAIN GIVE ME THE ( METHOD OF VERIFICATION ) USED TO DETERMINE THEACCURACY OF THIS ALLEGED ACCOUNT REPORTING ON MY CONSUMER REPORT. ( YOU HAVE 15 DAY TO COMPLETE THIS UNDER THE FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I ALSO HAVE A 30 DAY LATE PAYMENT THAT IS NOT TRUE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2023 I applied to get a credit card/line of credit from Navy Federal , I have an account with them. I was denied on the basis of my credit report, which is illegal and discriminatory. I reached out to the company upon me researching and learning more of my RIGHTS that I should not have been denied and attempted to remedy the occurrence. I started a chat within he messaging portal on the app on XX/XX/2023. I was met with opposition, stating that my credit was not sufficient and that I would have to reapply seeing as though it was beyond 30 days. I was invited by email to apply for a line of credit XX/XX/2023, which is evidence that a soft pull was done to access my credit report without my consent, which is also illegal and considered bait and switch. I requested that my application be withdrawn and returned to me seeing as though I am aware that my application has been securitized and began being traded, collecting interest for their company without my just compensation. Still nothing. So on XX/XX/2023, I applied again and was denied yet again. This is negligent non compliance which holds penalties, this is also securities fraud and violations to my consumer rights. This is also stopping the flow of commerce which is an offense as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to complain about charge-off and late payments records on my credit report. It was on my closed Bank of America XXXX XXXX credit card. A fraud ( {$46.00} ) happened when I was out of the country in XX/XX/XXXX, so I contacted the bank and disputed the transaction. BOA issued a new credit card but never removed the fraud from my account till the bank closed my account. BOA didnt appropriately deal with the case, which led to charge-off & late payments records on my credit report and seriously affected my credit score. In order to save the score, I ended up paying an amount ( {$55.00} ) myself even though it was not my money when I returned to the country in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery states account is mine, they have an address on the letter the responded to my complaint being in XXXX Florida. I have never lived in XXXX Florida, and the account they are reporting from XXXX XXXX shows their documentation is addressed to my home address in Arizona. 
the so called proof of debt does not have my social security number on it, yet they have included it in their response to my complaint in XX/XX/XXXX. 
All they sent me were old statements from XXXX addressed to XXXX XXXX in Arizona, not XXXX Florida which has never been my address, and no identifying information that this is truly my account. 
I would like to see evidence that XXXX XXXX supplied them with my Social Security Number as they are basing my identity and their proof of my id on a Social Security number that was not provided to them by XXXX  XXXX, I need a copy of documentation whereas the received my Social Security Number from the Original Creditor and not by submitting my name to the credit bureau and assuming it is my debt. Proper verification of me as being the debtor is required to be submitted to me, not some old invoice with an address they are not using to contact me. I repeat the attached letter shows they have XXXX FL. as my address, and how exactly do they have my SS #? send documentation of my SS # given to them by the Original Creditor, this account has not been properly verified as you can see from their letter subitted on the response to my complaint. this is not my debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 unlawfully obtain money, fraudulent use of my credit report
Product: Debt collection

Harris and Harris collection agency has been repeatedly calling and leaving a voicemail to a XXXX Voice # I do n't give out, claiming I owe a debt. I asked to whom, and they claimed a XXXX XXXX. I then called XXXX County to see, they checked the city , county, mva, and court databases and I have NOTHING there. Harris and Harris wo n't send me anything via mail regarding the collection, unless I verify my address, which I wo n't because this seems like a scam. I will follow up with my lawyer if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there is an inaccurate itemon my credit report. This have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have not been honoring the fcra. They are already in deep mess. I have 5 inquiries on my report that I did not authorize. According to 15 usc 1681a I have the right to privacy and equifax violated that. They have a grave responsibility to make sure everything is accurate and correct. Congressional findings states that me as the consumer has the right to privacy,. In addition, I have never gave written instruction for these inquiries to be furnish on my report or and my report to be pulled. You exposed my info with permission. I am demanding proof of my written instruction and proof of certification according to 15 usc 1681 ( a ) ( 2 ).
Product: Credit card or prepaid card

Dear CFPB, I am currently having a very difficult time resolving a fraudulent charge with my Citibank credit card. I have had numerous conversations, have filed a written appeal which was denied today, and am looking for your assistance in resolving the matter. 
The fraudulent charge was executed when the card was OUT of our possession. 

Here is the body of the appeal letter sent to Citibank on XX/XX/2021 : Please accept this letter as an appeal to your Denial of a Fraudulent claim filed for {$4700.00} made on XX/XX/2021 in XXXX, XXXX. The fraudulent charge shows on the statement coming from an unknown company called XXXX XXXX XXXX XXXX. 

I noticed the fraud charge that evening when checking my credit card statement and immediately called Citibank to report the incident and subsequently cancel the card. I am one of those few individuals that checks my balances everyday. My wife and I were on vacation in XXXX for several months. 

My credit card was taken from us while eating lunch with friends at a restaurant in XXXX. You will notice a restaurant charge at XXXX XXXX XXXX XXXX at the same time/date stamp which is correct. Our waiter walked away with our card and took a long time to return back with our restaurant charge which was a very unusual practice in XXXX. It would be virtually impossible for us to have been two places at once. The fraudulent charge was executed when the card was OUT of our possession. 

We have been shuttled back and forth between the dispute department and the security department, completed paperwork which was not applicable to the case, completed it, and do not have the case resolved. We have had at least a dozen conversations with representatives over the last month and feel like we are getting the run around and an unfair judgement. 

I am formally requesting a copy of the signed receipt showing we signed for it. 

Please feel free to review my credit history and my pristine payment history which shows my excellent performance. 

I sincerely request your assistance. Given the amount of this fraud charge it will be worth seeking legal assistance and filing a complaint with the Consumer Financial Protection Bureau next.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a retroactive interest rate refund ( {$220.00} ) from CITI, XXXX XXXX XXXX, XXXX, OR XXXX. This refund check is issued in agreement with the Bureau of Consumer Financial Protection for flaws in CITI 's APR review between XX/XX/XXXX and XX/XX/XXXX. The contact number on the letter is, # XXXX. The escalation of the calls to this number determined that this is a company, XXXX that generates the refund checks for CITI. The customer service number on my CITI statement, # XXXX also determined that this is handled by XXXX. They could only explain the generation of the check and therefore, could not answer my questions. After 2 hours of inquires, I reach XXXX, Supervisor - CITI. My demand is to receive an audit of my account regarding the flaw and the correction that generated the refund. She advised that I would receive a letter. She was informed that another word salad letter would not be acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Student loan

I received a call from XXXX XXXX XXXX XXXX ( XXXX ) and agreed over the phone to have them consolidate and service my student loans. 
The next day I decided that it was a bad choice and overnighted a termination ( within 72 hours ) of the contract which I had signed the previous evening. 
The letter was un-deliverable to the address on their letterhead ( I have XXXX log of delivery and call attempts ) nor does anyone answer the phone that is also on the letter head. I have a copy of the letter as well as the un-opened package that XXXX was unable to deliver. 
Soon after they started to bill me for their services. I sent the log of the delivery attempts to the service ( XXXX XXXX XXXX XXXX ) they were using to collect payment. They agreed that I had done everything correctly and I received no more bills. 
At some point my student loans that were being services by XXXX XXXX were paid off. 
A couple of weeks ago I received a notification that I had late payments on my student loans. From the credit report I found where the loans went to but I had no access to the accounts. 
XXXX ( XXXX ) transferred my loans and created a new promissory note in my name. The note had their address and their telephone number. They sent me a XXXX for student loan interest which was also delivered to their address. 
They created a new loan with a promissory note in my name, affected my credit report which directly affects my work as a contractor with the Federal Government. 
In addition the address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ) that they are using and that also appears on my credit report is associated with multiple counts of fraud which are now related to me when running criminal reports.
Product: Debt collection

XXXX ). XXXX ( case # XXXX ) - I filed a dispute due to inaccurate amount, was showing I owed {$410.00}. XXXX XXXX was taken from my account. Still no receipt. 

XXXX ). XXXX ( case # XXXX ) I filed XXXX of many disputes, because I paid {$400.00} in full, they would not give me a receipt only this reference # XXXX ). XXXX case XXXX - Called to see why I didn't get a receipt. It's been over XXXX hours. 

XXXX ). XXXX resolution-case # XXXX, received a message Balance on credit report stated that I owed {$1400.00}. was updated again, but inaccurate. 

XXXX ). XX/XX/XXXX case # XXXX resolution letter, I also requested that it be removed from my credit report due to inaccurate information. I sent them a copy of the receipt I finally received from them of {$400.00}. 
XXXX ). XXXX # XXXX XXXX ). XX/XX/XXXX case # XXXX They sent me a consumer report saying they updated everything and did not remove the item. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My apartment number was XXXX. I signed paperwork with their attorneys, which they claim they can not find ironically. I was a victim of crime- ( case # XXXX ) filed with XXXX XXXX. They can be reached at victim assistance at XXXX. That is the reason I was able to be released from my lease in the first place. They said it would not go to my credit report, but they lied. XXXX XXXX reversed the amount they said I owed which was {$1000.00}. They adjusted it claiming I owe {$400.00}. They switched management and claim that the information they have is accurate, but it's not. My lease started on XX/XX/XXXX and ends on XX/XX/XXXX, but they allowed me to move out early and waived the rent from what I was told. My move out day was effective XX/XX/XXXX. Attached is proof.
Product: Credit card

I reported fraud activity on my card a month ago ( I had XXXX cards that were hacked, have filed the info with the XXXX agencies and FTC ). Since that time, I have been denied access to my account, the company/bank has so misconstrued the fraud report that it has cancelled out payments I authorized to the extent of over {$1000.00} and never attempted to verify the information with me, and it has threatened me with a demand for payment of the unauthorized cancellation. I have done all due diligence and am not sure what the next step is other than legal counsel.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

Hello I would like to see my original contract, pay off disclosure, interest rate disclosure, balance history, payment history, and credit insurance for all of the inquiries below.. Ive sent out priority letters out to all of the credit Bureaus, stating inaccurate information on my credit report, and informed them to send me back proof of the accounts ownership and accuracy of them and I have not received anything back yet, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- -- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results or the reinvestigation ; I also asked for them to send me the correct info back via mail and they didnt. This has ruined my credit for years now of inaccuracies and im ready for it to be properly handled, the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute for XXXX XXXX XXXX which is reporting the debt for a higher amount than is reported on their payment website. On XX/XX/XXXX, I called TransUnion and was first told by the agent that my credit report was not showing this debt. After many attempts to try and retrieve my credit report through AnnualcreditReport.com, I was unable to pull my report so I called their customer service line to verify the debt. I called back at XXXXXXXX XXXX and spoke with an agent and she did confirm that my this account is being reported for the amt of {$1200.00} which I will include with this complaint showing on my Transunion report. I then call the debtor that is handling the account and was told that I owe this amt. I tried to negotiate a smaller price for which they offered to settle the debt for {$1100.00} dollars. I finally was able to gather some money to pay something or to make the payment arrangments so I log on to their payment site and see that the debt amt is {$260.00} dollars cheaper than what's being reported to TransUnion and what the representative quoted me as the original debt amt and settlement amounts! I want this item removed from my report. The hospital failed to bill my XXXX XXXX and XXXX insurance at the time of service and so it was their billing error as to why this bill was not paid. Also if TransUnion completed the full investigation whys is it that this company was able to report to them an incorrect amount? Also, why is this company allowed to quote me that incorrect amount and then offer only 10 % off of the debt that was originally a smaller amount? I am tired of disputing this charge and TransUnion is not completing a full investigation and allowing this debt collection company to report inaccuracies and also the XXXX XXXX XXXX is also trying to get more money than this debt is worth by again misquoting me the original amt and then trying to collect more that what their own payment site is offering. According to the Fair Credit Reporting Act, the credit bureaus are supposed to conduct full and thorough investigations and the debtor is supposed supply accurate information and verification of the debt which was not done here and again I want this debt removed from my report, as I have been disputing this debt for over years,
Product: Credit reporting, credit repair services, or other personal consumer reports

This happened back on XX/XX/XXXX when the fraudulent account was apparently opened. And, apparently there was a disconnect of the XXXX XXXX on XX/XX/XXXX ( according to XXXX ) for non-payment. I just found out about this XX/XX/XXXX when my XXXX Credit Report ( FICO ) went from XXXX   's to XXXX! XXXX has turned this over to a collection company ( Credit Protection Association, LP, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. My reference number with them is:XXXX. What makes this disconcerting is XXXX  ( XXXX XXXX ) acknowledges this is probably a 'fraud issue ' since I've never lived in XXXX , FL and my birthdate is XX/XX/XXXX, not XX/XX/XXXX that was used to open the account with XXXX . XXXX XXXX 's email address is : XXXX and phone number is : XXXX. It's as if, " Well, somebody has to pay, so go after this guy. '' And, how can XXXX drop my FICO score so drastically? I have never ever had this happen before! My contact at XXXX is XXXX, in the Fraud Department @ XXXX and my Report # is XXXX.