23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My car loan was sold to a finance company because the original seller went out of business. Ive asked for new contract or something in writing by mail explaining that the debt in fact has been sold.they refuse to give it to me. They constantly threaten me to seize property or garnish wages and say rude things when im only behind by a day or so. i also have proof.
Product: Debt collection

I received a call from XXXX at XXXX XXXX He stated he was working with a law firm to collect the debt from a car crash I was in. I stated to him was he a debt collector he said no. Then proceeds to tell me if I dont pay {$250.00} that he will have my license suspended. I told him I couldnt afford said payment. And he was like Im send letter to your house make a payment by then or expect you license to be suspended. That is using false and miss leading information and threatening Tactics. He never stated he was a debt collector and any information will be obtained for collection of said debt. I never refused to pay and still dont. Suspension of my license is criminal not Civil.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX 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. 

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional I am asking that theses accounts be investigated and deleted off of my credit report immediately. I do Not owe theses debts and i am requesting a cease and desist immediately
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lag posting of charges and credits. This issue aligns with the recent CFPD findings against Navy Federal for similar practices, where transactions settled with insignific balances despite initially available funds. I have believed these practices are unfair and request an investigation into my account transaction.
Product: Bank account or service

A person deposited my check in Suntrust Bank in XXXX Florida, and I do n't have any account at this Bank. I have a copy of the check that was deposited and it shows the account number on the back. XXXX supervisors I have their names, XXXX agreed to the name I thought might be on the account and it was on the name on the account, and they XXXX agreed to me being on a recorded line and they XXXX said the XXXX name that I asked if it was on the account was not on the account. They never should have been able to deposit my check. Please help me get answers to such negligence in the banking system.
Product: Debt collection

XX/XX/XXXXPURCHASE AUTHORIZED ON XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX CARD XXXXCategory Legal ServicesQuestions about this transaction? Review your options $ XXXXTotalsI received a letter from XXXX ga XX/XX/XXXX to be in court about collection of a debt that I owed. I contacted the attorney at XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone Number XXXX and Paid the debt over the phone XX/XX/XXXX It payment was taken out of my account XX/XX/XXXX. This is the transaction for XXXX XXXX bank showing the payment. I have received another notice from the XXXX Court XXXX XXXX XXXX that my case is scheduled for a default hearing XX/XX/XXXX. I have tried contacting this office to get this cleared up since the debt has been paid. I do n't want to miss a day of work for something that I no longer owe. The case number at the court house if XXXX Midland Funding LLC XXXX was the attorney for this Midland Funding LLC.
Product: Credit card or prepaid card

Letter of Dispute In XX/XX/2020 Ive managed to place an order with XXXX ( XXXX ). Unfortunately, due to the inability to test products I had to request a return for a refund for two major reasons doesnt fit and item looks different from online description. Therefore, Ive followed XXXX  Return policy and shipped the items back via USPS Label with a Tracking XXXX and XXXX XXXX  XXXX previously issued and approved by XXXX and the package was successfully returned back to XXXX as of XXXX/XXXX/2020. However, I didnt receive the refund accordingly and had to file a billing dispute with Chase. 
Ive reviewed the documents provided by the merchant and has to rebute the statement saying that they dont have a request in a system for a return for a refund. Below this letter you will find a copy of return request altogether with a copy of the shipping label issued and approved by XXXX for a return to be fully processed.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), My name is XXXX XXXX, and I am reaching out to you as a concerned customer regarding a distressing situation with Moneylion. Despite exhausting other avenues, I find it necessary to bring this matter to your attention in the hope of finding a resolution.

Initially, I received misleading information from one of Moneylion 's customer service agents, assuring me that settling my negative account would lead to its removal from my credit report. Regrettably, this information proved to be inaccurate. However, my frustration deepened upon discovering double accounts on my credit report, despite only opening one. 

XXXX XXXX ( XXXX # XXXX ) confirmed this discrepancy and advised me to dispute it. Unfortunately, the response to my dispute claimed that the information is verified as accurate. 

In addition, I have also emailed Moneylion 's CEO, but he does not seem to care or respond to my emails.

I urgently request the removal of both Moneylion trade lines from my credit report due to the stress, financial loss they caused me, and the fraudulent opening of double accounts under my name. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding the best buy store credit card issued by CBNA. In XXXX I XXXX I went to best buy store in XXXX XXXX  XXXX to buy electronics. After purchasing I went to the cashier to apply for the best buy credit card. The cashier took my driver license and processed the application. After processing the application the cashier told me that my application is rejected due to information mismatch. So I used my credit card to pay for the purchase. After one month I received a statement from CBNA showing that I opened the credit card and it was showing a annual fee of {$30.00}. I called CBNA and told them that my application was rejected in the store and I used my credit card to pay for the purchase. I requested them to close the account because I don't want to pay for the annual fee. They told me that they will close the account. After one month when I checked my credit report it was showing 60 day late payment remark on my XXXX, XXXX  and XXXX credit reports. I immediately called CBNA and reported the matter. They promised to close the account and remove the late payment report from the credit reporting agenies. In XX/XX/XXXX when I checked my credit report, it showed a serious delinquent or missed payment report on my credit report. I AM GOING TO XXXX XXXX AND THIS REMARK IS CAUSING ME PROBLEMS IN GETTING LOANS AND APARTMENT LEASE. PLEASE HELP ME TO REMOVE THIS REMARK FROM MY CREDIT REPORTS, SO THAT I CAN GET LOAN FOR MY XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I've file disputes for those inaccurate and unknown accounts I found on my credit report. I'm a victim of XXXX Data Breach. It's almost 60 days now but I haven't received any response. I demand for immediately DELETION of those accounts or I will file a litigation that cause me stress.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of an unauthorized and fraudulent inquiry from my credit report made by XXXX XXXX XXXX on XX/XX/year>. This inquiry was not initiated or authorized by me, and I believe it to be fraudulent. 

Please take the necessary steps to investigate this matter and ensure that the inquiry is immediately removed from my credit report. In addition, I kindly request that you inform TransUnion credit reporting agency to do the same immediately and remove this inquiry from their records as well. Additionally, to send me confirmation to my mailing address of the removal or to my email XXXX in writing of its removal. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I mailed a very specific letter as per The Fair Debt Collection Practices Act demanding validation of this debt that I first became aware of when I saw my credit report. Midland ignored my letter even though I had it tracked and know they received it in XXXX 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complaint to help establish a legal recourse. If Experian, XXXX, and XXXX choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... 
Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Reference # : XXXX
Product: Credit reporting

I am showing XXXX open accounts on my Credit Report under XXXX XXXX XXXX XXXX is for {$10.00} and XXXX is for {$28.00}. I have attempted to contact them with the number I found on the internet ( XXXX ), but it is disconnected. I had contacted this agency in XXXX 2014 and I was informed that all my accounts were up to date. I would like this removed off of my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from a Dealer named XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. This was an online transaction. The dealer provided me with pictures and sent me documents to sign online including a retail installement contract and other documents such as GAP ( which he insisted that hed sell me the car only with GAP ) and agreed to pick up the car the following day. 

The following day, Tuesday the XXXX of XX/XX/XXXX I contacted the dealer to make arrangements to pick up the car. He said the car was still being reconditioned and not at the lot yet and to give them a couple of days. After multiple attempts to take possession of the car and physical visits to the dealers offices. I was not able to obtain the keys. The excuse was constantly changing ( needed additional repairs, the car was not in the state of georgia and needed to be transported, the car battery died because it sat too long on the lot, it was get detailed, etc. ). By the end of XXXX the dealership stopped responding to my messages. By XX/XX/XXXX I sent a message to a representative of the dealer to let him know I was not longer interested in taking posession of the vehicle. 

I contacted Westlake Financial ( the current holder of my loan ) and repeatedly explained that I never took possession of the vehicle. I got shuffled around and received answers such as that seems like its a problem for you and dealership to you bought the car you pay the loan to you should talk to our dealership compliance department. I have been making multiple attempts to reach someone who is willing to help and Westlake just simply wants to collect rather than deal with the fraudulent dealer. 

XXXX XXXX never delivered the car and Westlake should know that without delivering the car the contract is not executed and they should vacate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax failed to verify the accuracy of the account XXXX XXXX XXXX  .The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Prepaid card

I had a total of XXXX ATM withdrawal totaling XXXX dollars of unauthorized transactions/ withdrawals from a ATM. I with up load a pic with dates, location and amounts of transactions. I disputed and even appeal it and was denied cause they stated I didnt send in additional information besides the dispute but I did send in the police report which was additional information and had my local department investigate the fraud done to me. They refused to refund me after they did tell me my account was compromised. They also made some errors on there end on the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because on the dates of XX/XX/XXXX, I formally tried disputing fraudulent and erroneous accounts and personal information directly with TRANSUNION, in removing them from my credit profile. 
Transunion is still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer.This is an automatic FCRA violation of not properly handing my dispute because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 

Remove the following addresses from my report as they do not belong to me. In addition, DELETE any INVALID ACCOUNTS or DATA associated with this address as they dont belong to be me neither as being RELATED : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Original Creditor : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$3400.00} Original Creditor : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$5900.00} Collection Agency : XXXX XXXX XXXX   Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$610.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX  Open Date : XX/XX/XXXX Balance : {$14000.00} Collection Agency : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : XXXX  Balance : {$110.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : XXXX Amount : {$0.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : XXXX Amount : {$0.00}
Product: Money transfer, virtual currency, or money service

I got a big scam and paid {$2400.00} for a watch using Bank of America 's card and documented the entire conversation between the scammer and I. 
Even with the clear evidence Bank of America actually refused to get my {$2400.00} back to my checking account ending with XXXX. 

Claim # : XXXX Received a letter that Bank of America is refusing to fight for my money back. 


After 15 years with Bank of America and pouring my money into this bank, I am pulling all my money out and not using it until they fix this clear fraud/scam. 

As a victim and loyal customer of Bank of America, in these critical times like this, I expect Bank to fight for the customer. Based on my evidence this is a clear case that I used my checking account to pay for an item whether the SYSTEM and program don't recognize as a merchant transaction.. I can see the true color of Bank of America when comes to a $ $ $ $ they don't want to help the customer ...
Product: Checking or savings account

Fraudulent charges were made using my debit card # and pin on XX/XX/XXXX. I received a text message from my Chase Bank account asking if I authorized the amounts or were they fraud. I responded no not to authorize them. I called chase to disable my debit card immediatelyXX/XX/XXXX. Monday morning XX/XX/XXXX I followed up with a call to Chase Bank to report the fraud. They reversed the charged and launched a claim. 

The charges are as you see below : XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$97.00} XXXX XXXX {$12.00} 21 days later Chase reauthorizes the charges saying because the pin # was used there is nothing they can do. Chase claims they can not verify if my debit card with chip was used or not. Which I thought was suppose to be a protection against debit card fraud. I feel that the investigation by chase does not protect the consumer against fraud of someone else stealing your card # and pin. In addition per FTC if you report the fraud you should not be charged again. 

Chase Bank case # Case ID # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Shows that I was late when I was not late making payments
Product: Debt collection

I opened an account with Banana Republic in XXXX. At the time I lost employment and was unable to pay the debt and attempted to resolve with creditor. When i had enough money to pay the debt in full I did so. I was told by a representative that if a payment was made the negative would be removed from my credit report. The item remains on my credit report and the company as updated the item with false information such as : a false address and date of charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. XXXX XXXX is reporting an address that I have never lived at which is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. XXXX XXXX was removed from 2 of the credit bureaus, but it remains on XXXX. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.