23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX, FL XXXX XXXX, GA XXXX Experian Dispute Department XXXX, Texas XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX ( Experian ), XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, FL XXXX
Product: Debt collection

I have an account that was with unifund. I was making payments on this account monthly at {$25.00} a month for some reason the payments stopped and i was NEVER notified they stopped. I was reached out to by a company called XXXX XXXX XXXX on their behalf in the state of Florida. I do not live nor have I ever lived in Florida. I was there briefly for a few a months taking care of a family member, the address listed was mistyped and Ive never heard of what they had until I realized what the address should have been. I have since then relocated back to XXXX XXXX. XXXX and XXXX and XXXX both refuse to assist me in making payments on this account. I am trying to get this account resolved once and for all and continue making payments so we can zero this out. I am willing to make monthly payments at a higher amount, offer a settlement etc. but to threaten to sue me in a state I dont live and to refuse to take any payments to sue me is disgusting.
Product: Checking or savings account

I am filing this complaint against Navy Federal Credit Union ( NFCU ) due to improper overdraft practices that resulted in unnecessary and excessive fees on my checking account. As a Navy Federal account holder, I believe these practices align with the allegations outlined in the CFPBs claim against NFCU regarding their overdraft fee policies. 
Specifically : 1. Unfair Overdraft Charges : NFCU allowed transactions to overdraft my account even when I did not opt in for overdraft coverage. This resulted in repeated overdraft fees, which could have been avoided if the transactions had been declined.

2. Front-End Posting vs. Back-End Processing : I used payment platforms such as XXXX and XXXX XXXX XXXX and NFCU posted these transactions to the front end of my account but delayed clearing them on the back end. This delay artificially created scenarios where my account appeared overdrawn, leading to additional fees. 
XXXX. Financial Harm : These practices caused unnecessary financial strain, as I incurred multiple overdraft fees due to the delayed processing and mismanagement of transaction posting. I believe NFCUs actions were deceptive and contrary to consumer protection laws.
Product: Money transfer, virtual currency, or money service

My account was canceled by Xoom without any explanation as to what i did wrong. 
This is a violation if my rights and i cant adress the issue if they wont tell me in detail what i did wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I called Equifax@XXXX and spoke with Supervisor XXXX ( that is the only information she would give me ) regarding ( 2 ) fraudulent charges to my Visa Debit card XX/XX/2020 {$4.00} and XX/XX/2020 {$19.00}. I provided my Visa Debit card # and was advised they were " unable to locate any charges to my account '' I offered the Transaction ID # provided by my bank and was advised to contact my bank because they could not locate any charges matching the card # provided. The Officer assisting me took my phone into the room where the person who provided my card information fraudulently was able to verify his SSN, Address, CADL # as well as confirmed other personal identifiers and an account was located and both charges were confirmed by XXXX ( highest supervisor available on a Saturday ) I was advised that Equifax would NOT be giving me a refund as services were provided to the consumer ... again the consumer was not me nor had my authorization or permission to use my Visa card. I was advised that I would need to provide a fax transmittal with my Bank Account Statements in order to " prove the charges to my account '' although verbally she had just confirmed the card #, amount of the transactions and dates with me verbally by phone. I questioned her refusal to reimburse me and was advised that " due to my past relationship with the person who may or may not have used my card # I was liable for the charges '' I requested to speak to someone located in the USA ( I believed we were having communication issues ) and Supervisor XXXX reiterated to me " we will NOT be issuing a refund as we provided services to the consumer '' stating also to " get my money back from my Ex Husband '' My Children and I are currently being relocated through the California Victims Relocation Board due to a pending Criminal Case against the person who falsely used my card information as a way to gain information regarding our location. At that point I advised XXXX I would be filing a complaint here as well as with the Federal Consumer Protection Board as well and it was at that point she hung up on me after wishing me " the best of luck ''
Product: Vehicle loan or lease

I bought a car from XXXX  Toyota to do XXXX, when I was negotiate with them I told them that it was for XXXX and I trade mine with them, I was at the same room with XXXX XXXX y XXXX  when I call XXXX XXXX and XXXX XXXX ask : what are you going to do with the car? and I told them that I'm going to do XXXX and they didn't tell me nothing and I wanted to make sure that everything is correct. I was in an accident on XX/XX/XXXX I was surprised that my just inform me that GAP denied my case because the dealer give me a Wong GAP and my lawyer send me to fix that with with the dealer. To make sure that everything was on the same alignment I told my lawyer that I was doing XXXX and XXXX  and the insurance know that I was doing XXXX. 
IF I'M NOT THE ONE WHO PIC UP THE GAP WHY I HAVE TO PAY WRONDOING OF THE DEALER? THE DEALER GIVE ME THE WRONG GAP. 
They just charge me more than {$10000.00} to pay I really don't know ; I'm not doing XXXX now in that difficult time ; I have bills, I'm paying a XXXX school. 
I WILL THANK YOU FOR YOUR HELP. XXXX
Product: Payday loan, title loan, personal loan, or advance loan

River Valley Loans has predatory and unlawful practices. I took out a loan for {$1400.00} on XX/XX/23 and have well exceed paying off that amount, but continue to make payments of {$370.00} biweekly due to the outrageous 745 % interest rate. What I was not aware of was the 33 % annual interest rate limit in Maryland. I contacted the company to see if we could if we could work out a resolution, and they are refusing stating they do not have to abide by these laws because they are a " tribal loan. ''
Product: Credit card

Take a moment to review the attached documents. I kindly request the credit bureau to launch an investigation into these accounts, as they are inaccurately marking me as late despite my prompt payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I noticed inaccurate information being reported on my Equifax credit report. XXXX bank was reporting two of my accounts as late multiple times. They are even reporting my payment status as late 90 days when my account was paid and closed in XX/XX/XXXX! I then began sending dispute letters to get the incorrect information taken off. I asked them to please conduct an independent investigation. I submitted a total of 5 letters listed the inaccuracies on my credit report and the 4th time they responded with saying one of my disputes was verified as " account paid, never late '' yet they did not remove the late payments. Instead, they added more back on without notifying me within 5 days as they are required to do. This has hurt my credit score and prevented me from obtaining a home loan. I have also reached out to XXXX bank via certified mail with no response. I have the documentation to show each time I reached out to Equifax, I tried so many things to get the inaccuracies removed and they have now told me they are no longer going to conduct further investigations on my disputes. Please help me!
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX : {$360000.00}
Product: Credit reporting or other personal consumer reports

These inquiries are unrelated to me, and I have no connection to the creditors.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit and there are some stuff on there that is not mine. Please remove them from my credit report so I can go back to school and make a better life for my family. I've contacted the FTC and my local police. I'm doing this on my own. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Credit card or prepaid card

Greetings, I have an issue Midland Fund has been garnishing funds out of my check from XX/XX/XXXX till present for a company name XXXX.. The creditor ( XXXX ), I never open an account with them ; when I called Midland on XX/XX/XXXX to rectify the issue, they said that the account was opened XXXX to XXXX. I also called the school legal specialist about it and he said that Midland went to court and the judge signed the request to garnish funds out of my check from XXXX XXXX XXXX XXXX XXXX. Here 's the total amount to be paid to the Plaintiff includes the Final Judgment amount of {$1700.00}, plus postjudgment interest pursuant to 55.03, Florida Statutes, from the date of the judgment, and post-judgment court costs, less post judgment payments received, for a current balance of {$3600.00} which shall continue to accrue post judgment interest until paid in full. Any funds remitted by the Garnishee to the Plaintiff prior to the entry of this Order are being held pending the disposition of this Order. 
All and all, this XXXX credit line was not open by me in XXXX to XXXX and I believe it is a fraud and I would like the money back which they garnished out of my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2023 This company ran hard enquiry on my report. I have no knowledge what is this company and how they had access to my information. 
1006.18 False, deceptive, or misleading representations or means.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is incorrect.
Product: Checking or savings account

Bank of America suddenly froze my bank account in XX/XX/year>. It happened at the same time as my being charged with XXXX for being present at a protest to halt the construction of a police militarization facility partially funded by Bank of America. I had no financial issues or reason why my account would be suddenly frozen, so this incident does not seem like a coincidence to me. I was unable to access my paycheck and had to switch to a different bank.
Product: Money transfer, virtual currency, or money service

The " Venmo '' response does NOT address the original complaint. I believe Venmo is violating the law by refusing to delete my personal data and account from their system. 
Venmo repeatedly references its Terms and conditions, which do NOT exempt Venmo from the law, which includes a requirement to delete customer accounts and data when requested and not demand new personal data to do God only knows what with. 

I refuse to be a Venmo customer. I find their company behavior to be repulsive. CFPB and the federal government NEED to take swift action against Venmo instead of enabling this behavior which is also outlined in great detail on XXXX XXXX XXXX where countless Venmo customers share disturbing and alarming first-hand experiences. I will NOT provide any further personal data to Venmo ever. 

The original complaint remains : " '' Venmo '' is a company that appears to be owned by " PayPal. '' The Venmo website states : " Venmo is a service of PayPal , Inc., a licensed provider of money transfer services ( NMLS ID : XXXX ). All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses. XXXX PayPal , Inc. '' Venmo is utilized by many people, especially small business owners, to receive money. One of these small business owners sent me their Venmo link, where I attempted to pay them. The Venmo app failed to work, and I contacted Venmo customer service. Instead of receiving help, my account was suspended and then frozen. This experience is commonplace amongst Venmo customers, according to countless online reviews. See here for some of those reviews XXXX XXXX XXXX XXXX I decided I wanted nothing to do with Venmo and demanded that Venmo permanently delete my account and all associated data. Venmo has not done so. I have multiple emails proving this. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion holding a 12 year old bankruptcy over My head and XXXX denied Me credit because if it
Product: Credit reporting

I have been denied by housing authority because they say I have a eviction on my credit from last year I was never evicted I 'm currently still living on the property I was late on rent and had to XXXX dollars to the general session court..on my credit report it says paid..is there anyway I can get that off
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion - XXXX XXXX XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account, especially a credit card with XXXX nor was I aware that an account was ever opened in my name. I've already attempted to reach XXXX - please see the documents attached. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with them. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

XXXX XXXX/XXXX  is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account, especially a credit card with XXXX nor was I aware that an account was ever opened in my name. I've already attempted to reach XXXX - please see the documents attached. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with them. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

XXXX/XXXX  credit card is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account, especially a credit card with XXXX nor was I aware that an account was ever opened in my name. I've already attempted to reach XXXX - please see the documents attached. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with them. In accordance with FCRA Section XXXX I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

XXXX XXXX is reporting a tradeline account to my consumer credit file. I learned that the loans are for a school by the name of XXXX University. XXXX University was closed - shut down due to fraud. By continuing to report a tradeline with derogatory marks XXXX XXXX is in violation of the FCRA. I did not authorize any student loans to be paid to XXXX University through XXXX XXXX. Thus any and all activity on this account is fraud.
Product: Vehicle loan or lease

We have completed our financing agreement for the purchase of our XXXX XXXX XXXX as of XX/XX/XXXX. Ally Financial claims we still owe them over {$2000.00}, but won't explain how they came to that amount. We had them send us a payment history copy attached, also attaching our sales contract and finance agreement. 
We paid {$48000.00} to Ally. The contract is {$48000.00}. XXXX  months, the finance charge paid to Ally {$13000.00} The contract total {$12000.00}.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit card or prepaid card

XXXX XXXX 2017 Company calling itself " XXXX XXXX XXXX '' has called me > 20x offering a '' better rate ''. 

1. Have made several written complaints to the FCC- because I am on the no-call list 2. I have no debt and my credit score is XXXX - so I do not need a " better rate '' 3. Today 's call came from some XXXX  speaking nation ( could tell it was overseas ). When I requested they remove my number and not call me again- I was told to " shut up '' at least 5x. It was UNBELIEVABLE and APPALLING. 

They are calling me- this has been more than 20x and they are telling me to shut up! 

They use different phone numbers all the time- this time their number was 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX