23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, After receiving a credit I requested, I am being told I must still pay the disputed amount to keep my account in good standing. Even though by doing so, I will incur a credit balance. To ultimately get my refund, I must call Target after I 've paid and they 've issued the refund to again request a refund to be issued by a paper check? BACKGROUND : first you need to know I rarely use my Target credit card. However, after receiving a letter that my card would be deactivated if I did n't charge something before a certain date, I made a point to stop at target and buy something because I thought it useful to keep my card active. However, I have moved and since I rarely use the card, the bill was delivered to my previous address. When I actually got the bill it was XXXX XXXX, the day before the due date of XXXX XXXX. After working with Target.com for over an hour on XXXX XXXX, I finally was in a position to pay my bill online, the only means available to me to make the payment on or before the due date, since it was too late to pay by mail, and I could n't get to the nearest Target ( XXXX miles away ) to pay in person the next day. So, I paid my bill online, or so I thought, on XXXX XXXX. The next day, when checking my emails, I realized I did not receive a confirmation of my payment. I checked my bank account and there was no evidence the payment had been made. I logged in to target.com and my payment was NOT noted. So ... .I paid my bill but unfortunately for me it was after XXXX on XXXX XXXX. Today, XXXX XXXX, I received an electronic notification of my target bill and was shocked to see {$26.00} in charges. ( A {$25.00} late fee plus a {$1.00} minimum charge ). I promptly called Target and was told since my account was in good standing, Target would waive the {$26.00} and credit my account. HOWEVER, I WAS TOLD BY THE AGENT AND BY A SUPERVISOR, XXXX, THAT I MUST STILL PAY THE {$26.00} TO KEEP MY ACCOUNT IN GOOD STANDING! I asked why since my bill is not due until XXXX XXXX. Why should I incur a credit balance of {$26.00}? Supervisor XXXX confirmed the charge had already been waived on my account. The answer was I could call back and get a refund check sent to me. Really? It will cost Target more than {$26.00} to take my call and issue a paper check. Please, can you please do something about this. I believe this is a predatory practice so Target can get the funds and reap the benefit of interest earned. If they do this with all their customers, as Supervisor XXXX assured me, then {$26.00} among even XXXX out of XXXX customers can add up to a tidy revenue stream. 

Thank you for reading this and listening to my concern.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  XXXX - XXXX XXXX XXXX XXXX  - XXXX
Product: Student loan

I have a problem with Navient Student Loans. I applied for and received a XXXX XXXX XXXX discharge with XXXX, as per the rules of the Department of Education. <P/>Navient continues to show on my credit report as open, and when I call them the give me the story that my loans are still under review. They will not answer as to when they are going to transfer my loans to XXXX for discharge, and continue to accrue interest which shows up on my credit report lowering my credit score. <P/>My XXXX was discharged on XXXX/XXXX/2017, I have contacted them previously about this issue, and was told it would be resolved by the end of the month, that was in XXXX 2017. <P/>I contacted them on XXXX/XXXX/2017 about this issue and they continue to give me the run around.
Product: Consumer Loan

I recently received a letter from Volkswagen stating that my XXXX VW Passat has been recalled because of the XXXX airbag danger. I contacted them to set up an appointment to fix the dangerous airbag and they do not have the necessary parts. Apparently it might take from 3 months to up to a year or more to fix my car. In the interim, I can not drive it due to the possibility of scrapnel entering my brain, or injuring my children if the airbag deploys. 

I have 11 months left on my lease and VW will not release me from it. So I am left paying for a car that I can not drive. I tried to trade it in for a safe car, but the dealership wanted me to pay even more than what I owe. So I ca n't drive it, I ca n't trade it in and if I give it back, I still have to pay for something i ca n't use. 

XXXX and XXXX are at least being classy and giving people loaner cars. VW wo n't supply drivers with loaner cars. VW corporate claims that even though their airbags have been recalled, their cars are safe to drive. I asked them to send me that in writing and they refused. 

Can your agency help people in my position. I am one of many in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( duplicate reporting ), XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX,
Product: Credit reporting or other personal consumer reports

It was a loan that was apparently taken out in XXXX XXXX XXXX In the amount of XXXX. I have called the company who says they dont have access to the account so they gave me another number. I called that number and there was no option to speak to an agent. It just sent me to a voicemail service and no one has ever gotten back to me.
Product: Debt collection

I switched phone carriers. XXXX XXXX was supposed to pay out XXXX for the transfer and they never did leaving me over {$1800.00} in debt with XXXX. This is effecting me getting new housing.
Product: Checking or savings account

I had an issue of fraud checks being posted to my bank account and was not knowledgeable on how to go about the process of clearing things up. I am now aware of the steps to go about getting a proper investigation on this incident and I cant get any direction on who to contact from the financial institution. They dont have much documentation anymore about the case and Im on hold with customer service all day long while they continue to look for more info I would like to clear up the issue to be able to bank with this institution again as a US Veteran, but I am given the run around while I really appreciate all this institution does for service members.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$80.00} ; XXXX XXXX FIN XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/ XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up complaint to address the persistent reporting of certain accounts on my credit reports, which I strongly believe to be fraudulent. Despite prior disputes, these accounts persist on my credit file, prompting me to request their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. As stipulated in FCRA Section 605b, any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. The accounts in question, being fraudulent, fall under this category and do not accurately reflect my credit history. Despite my diligent efforts, including contacting creditors and filing police reports, these accounts persist on my credit file. I am requesting the removal of the following fraudulent accounts from my credit file : **Experian** XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$170.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$5500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX - XXXX  XXXX XXXX Balance {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

when covid 19 affected everyone. i was laid off i always pay my bills on time but the creditor didn't want to negotiate. so ive been trying my hardest to find a better way to get to them cause its showing late payments on my report.
Product: Debt collection

Midland Credit Management Inc has XXXX collections on my account that I have no knowledge of and no correspondence of this debt. The amounts and year are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is all the information I have. When I disputed this through XXXX they did not give me any correspondence and have been sitting on it since XX/XX/XXXX with nothing. I don't know what these are and I have been provided no proof of where they come from and when they were added to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorized these companies to run my credit report. Please remove them immediately.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And I demand removal of these incorrect 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.
Product: Credit reporting or other personal consumer reports

I had 2 -3 disputes over the months with XXXX XXXX and Equifax for inaccurate accounts and yet nothing was done it was updated and verified with the same inaccurate info. nothing was being done and yes I had reported this issue to the CFPB and nothing was done. now I have sent letters to all the creditors on XXXX I will upload my proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Violations of Fair Credit Reporting Act ( FCRA ) Rights - Request for Immediate Deletion Dear XXXX, I am writing to formally dispute and bring to your attention several violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in the U.S. Codes and credit laws. As a consumer and natural person, I am fully aware of my rights, and I am invoking these rights as guaranteed by The Congress to ensure the accuracy and integrity of my credit information. 
Reference is made to the accounts listed below which have infringed upon my rights as established in the FCRA : Accounts in Dispute : XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX. New Account XX/XX/XXXX A new account has appeared on your credit report. 
XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX. Account Charged Off XX/XX/XXXX An account has been identified as Charged Off. This account was either charged off as a loss by the company with whom you had credit, or that the account was sent to a collection agency for payment. 
XXXX XXXX XXXX XXXX Off Date XX/XX/XXXX {$950.00} XXXX. Delinquent Account XXXX XXXX, XXXX A delinquency has appeared on your credit report. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX. Account Closed XX/XX/XXXX An account has been identified as Closed by the creditor or consumer. 
XXXX XX/XX/XXXX {$600.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX XXXX  {$5800.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX {$1200.00} XXXX. New Account XX/XX/XXXX A new account has appeared on your credit report. 
XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Product: Vehicle loan or lease

XX/XX/2021 {$540.00} a month company repossessed the vehicle I want to pay the past due but company wants the full pay off. I was never notified of any repossession didn't receive letter or any type of notification. Repossession company when on my property without my permission and police was not notify
Product: Money transfer, virtual currency, or money service

I opened a small business and I accepted XXXX payments through Venmo totaling {$150.00} and change. 

Venmo refuses to let me attach a bank account or debit card so that I can transfer the money out of my account, I believe they have stolen my money and are using it to invest to enrich themselves without any intention of returning it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 accounts 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 U.S. Bankruptcy Court XXXX XXXX bankruptcydismissed Reference # : XXXX U.S. Bankruptcy Court XXXX XXXX bankruptcydischarged Reference # : XXXX ; XXXX XXXX XXXX XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered fraudulent and unauthorized credit inquiries on my Transunion and XXXX credit reports. I was able to easily and successfully remove these inquiries from XXXX using their online tool, but Transunion does not offer this functionality. I called Transunion and spoke to a representative who told me that Transunoin does not verify or remove inquiries and, would not launch an investigation into the accuracy of the data even if it is reported as fraudulent. The Transunion representative was unable to assist me further. I find it unethical and unreasonable that a reporting agency would not be responsible for the data they maintain and provide.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Credit Report Entry under the Fair Credit Reporting Act & Fair Debt Collection Practices Act Dear Sir/Madam, I am writing to formally dispute an item that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you investigate and correct this issue. 

As required by the Fair Credit Reporting Act ( FCRA ), I ask that you investigate this dispute within 30 days and provide a written response confirming whether the information has been verified or corrected. If the information can not be verified, it must be removed or corrected. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), you are prohibited from continuing collection efforts on this account while the dispute remains unresolved. I request that you halt any collection actions or reporting until the dispute has been investigated and resolved. 

Please send me written confirmation once this matter has been fully addressed, and the necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

on XX/XX/XXXX my bank charged my account a XXXX XXXX fee for a garnishment fee. My account is serviced by my SSDI payment, the only source of my income. There is never XXXX months of deposits in it, because as soon as I receive my payment I pay bills, buy groceries, ect., this leads to only having between XXXX XXXX to XXXX XXXX left in the account by the end of the month. The only reason my savings account has any money in it is because I have XXXX XXXX on the XXXX  of the month transferred into it in order to try to save something. Usually before the end of the month it is internally transferred back to my savings account because I need groceries.gas, or medication. According to Section 207 of the Social Security Act of 1939, XXXX months of my monthly payments are protected and if there is less money than that in the account a garnishment fee can not be collected, period. So, does transferring money from my checking account into my savings account make that money fair game, even though it is still part of my social security payment. It does not seem right. I have stopped the automatic payments into my savings account. At XXXX XXXX a month it will take another XXXX months to wipe out a negative balance. I know XXXX XXXX does not seem like a lot of money but to me it means a world of difference.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I attempted to cash a check using the XXXX  application which uses Ingo Money , Inc . Check cashing services. Front and back images of the check were provided and I submitted it waiting for approval. The Check was denied. 

I attempted to represent the check a 2nd time, I was presented with a transaction declined do not represent error no. XXXX. I have had issues in the past with Ingo Money wrongfully closing my account due to violation of terms of service and I have had the CFPB involved before to resolve the issue. 

I presented a perfectly good check from XXXX XXXX company as was sent to me as part of a reimbursement for prescriptions per my insurance policy. This check was perfectly good and honorable, and I at no time intentionally attempted to violate the terms and conditions of Ingo Money Inc. Check Cashing services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 USC 1681a 2 ( A ) ( i ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 
The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS TRANSACTION AND EXPERIENCE ( late payment/utilization ) ON MY CONSUMER REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, only address is XXXX XXXX XXXX, XXXX XXXX please remove any other information
Product: Consumer Loan

I have been getting phone calls on a daily basis from an automated system about my truck payment. I know that I am behind on my payment but the constant calling while I 'm at work and all day long is ridiculous
Product: Debt collection

This is the third time this company common wealth financial has placed the same debt. they are unable to provide any proof of debt, or my signature or to mail anything to my address within 30 days, I had it removed in XX/XX/XXXX by dispute it was placed back on my report in XX/XX/XXXX I had it removed XX/XX/XXXX by dispute it was placed back again XX/XX/XXXX on my report, and I have placed third dispute today. I have also seen on my report it is a medical debt, which is not possible. And by some chance it was with the provided paperwork ( which they don't supply ) florida medicad would go back and pay it. However me and all my children are covered by florida medicad and have been since XXXX for all emergency visits and all doctors appointments meaning we are charged XXXX for any and all doctor visits or emergency room visits, because I am a single mother of XXXX living well below florida guidelines of poverty for a family of XXXX. Like i.said I am very aware let 's say by some chance there was a mistake medicad would go back and pay it, of it were my actual medical debt.this is a 3rd party debt collection agency also I am well aware of it I have looked into it. And commonwealth financial was and is incapable of proving the said debt, they can not. At this point this 3rd party agency is harassing me.
Product: Debt collection

I had informed First National Bank of Omaha in the month of XX/XX/XXXX that i had been taken off work due to a XXXX XXXX i contacted from a XXXX. The representative stated I would receive a letter with a form for hardship. Time passed as my health declined i was transitioned to XXXX XXXX for care. Now over a year later i attempted to buy my XXXX this current month of XX/XX/XXXX and found a levy placed on my bank account that was now at XXXX dollars from my XXXX check as well as a hold on my moms safe deposit box. They had filed suit at the XXXX court with a judgement for {$5200.00}.
Product: Credit reporting or other personal consumer reports

have hard inquires for morgage loans im not aware of. i recently came home from incarceration and have no idea of this and rewcently obtaining important docs XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX