23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD A CREDIT REPORT JUST RECENTLY THE CREDIT REPORT AND SCORE IS GONE. 
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Checking or savings account

On XX/XX/year> a returned item fee was charged on my account for {$29.00}, resulting to my account going into negative. This is constantly happening to me every month and it's not fair. Why does Navy Federal Credit Union constantly do us consumers this way?
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove these account as soon as possible this is not mine! This is inaccurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Spring Oaks Capital , LLC 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Product: Credit reporting or other personal consumer reports

The date that this card was opened is XX/XX/2023. The card is from Discover Bank and I have called them to disable that account since I never inquired from them personally. Fortunately they provided the address and email where the card was attached to. The address is XXXX XXXX XXXX XXXX XXXX, NC. The email address ( from memory ) was XXXX but I would rather have Discover tell me the email again. The credit card has a limit of {$2000.00} and the person who used it spent ~ {$1900.00} on it and did not pay it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my CFPB complaint to notify you that I want to delete some items on my credit file. Regardless of my previous dispute, the items listed here are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, is a willful negligence and non-compliance with federal statutes. The following items should be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have never owed a credit card in my life I cant get one cause of student loans and the other info from address where I never lived
Product: Debt collection

This letter serves as my formal and final written request to remove the following accounts from my credit report, effective immediately. The accounts listed below have not been verified in accordance with the Fair Credit Reporting Act (FCRA).

Despite previous attempts to obtain proper verification, you have failed to provide me with any original documentation as required under:	Section 609(a)(1)(A): A consumer contract bearing my signature.		Section 611(a)(1)(A): Proof of an investigation and verification of the disputed information.Additionally, under Section 611(5)(A), the FCRA explicitly requires you to promptly delete all information that cannot be verified. This failure to comply violates my rights under the FCRA, and I consider this negligent noncompliance. As such, I am prepared to pursue litigation under Section 617 to enforce my rights.I demand the immediate deletion of the following accounts:	1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to comply with this request and provide me with adequate verification will leave me no choice but to pursue legal action against the credit bureau and the CFPB for failure to follow federal guidelines. I am a litigious consumer, and I will not hesitate to file suit to ensure my rights are upheld.I request your immediate attention to this matter and expect a written confirmation of the removal of these accounts within 15 days of receiving this letter.
Product: Mortgage

I sent my mortgage company a certified check for {$11000.00} on XXXX/XXXX/XXXX. I talked to my account rep on XXXX/XXXX/XXXX and told her I would be mailing my total due within a week. I did do as I said. I have been calling my mortgage company to see if received and left several messages and finally today was able to talk to someone. They said the check was probably sent back to me because additional monies are owed. They said foreclosure paperwork is in the process. I have never received any paperwork in the mail for a foreclosure. Now they told me that a letter dated XXXX & XXXX/XXXX/XXXX has been processed which I have n't received yet. It looks as though my call on XXXX/XXXX/XXXX might have prompted them to start proceedings. I do n't know what to do at this point. I have been out of work with no income coming in. I filed for social security XXXX/XXXX/XXXX and it took social security this long but sent me a back payments. This is why I was so much in default. My account rep told me to send the money because it did n't look like foreclosure paperwork had been started.
Product: Credit card or prepaid card

I had fraud on my credit card for {$80.00} on XX/XX/2022. I called Barclays in XXXX to report the fraud. Charges were never refunded. I called again in XXXX and spoke with fraud department and was promised they were investigating. Still nothing was refunded. I called the fraud department again in XXXX and asked to get a call back from a manager and never received a call back and still have not been refunded the amount.

Every time I have called to speak to someone I have to explain what happened as if they have no record or notes on my account. They also question me because I ended up paying the {$80.00} so it would not go against my credit. 

This issue happened when XXXX transferred their credit system to Barclays and distributed new credit cards. When they sent out new cards I never received mine and never even activated it and then got a bill for a purchase made.
Product: Credit card

I purchased the car stereo from a business, unfortunately, they installed incompatible Stereo in my car they didnt want to take responsibility I contact the bank to resolve this situation. The bank told me that they need to remove it and ship it back to the seller and provide them tracking number. I did what the bank said that I need to do and I provided pictures tracking number, and all the information the bank requested, unfortunately after I did all of this, the bank closed the dispute, not for my favor and left me with no merchandise and no credit.
Product: Checking or savings account

First bank account open at bank of america in 2005 was closed for no reason and they used the same debit card for a new bank account for no reason ... .i have never made a transfer from any account in 20 years... now my mail and cards are being stolen and all bank tellers are doing nothing to give me transaction records and they are involved with a teller fraud investigation for false bank information, my cellphone is hacked before i purchased it and they follow me everywhere to block any way of getting information from different bank locations
Product: Credit card or prepaid card

Fraud dispute filed with Bank of America on or around XX/XX/XXXX for a charge of {$670.00} on my Customized cash rewards XXXX. This charge labeled " XXXX XXXX " occurred on XX/XX/XXXX. This transaction was completely un-authorized and charged without my consent and knowledge. On XX/XX/XXXX Bank of America declined the dispute and reassessed the charges to my credit card bill without providing any evidence or reason as to why. Today XX/XX/XXXX I contacted the Fraud department to reopen the case and find out why they had not sent me any information regarding the decision. I also provided them with information and additional facts that should easily identify this fraudulent charge as fraudulent. Those facts are : 1. All XXXX transactions were supposed to be blocked on my account in the first place. This charge should have been blocked from the get go and never gone through. 2. Bank of America had originally flagged this charge as a fraudulent in the first place, but still let the charge occur. Bank of America and I both have the text messages sent to me from them marking the charge as fraudulent. I work in XXXX a majority of the time. Therefore, I don't receive any domestic calls or texts. It was when I arrived back in the US that I received the text messages and promptly reported the fraud. This was 3 weeks after the charge occurred, well within the time-frame allowed to report the fraud. 3. This transaction is well outside of my consumer spending habits. I have never spent over $ XXXX on the credit card. Usually for gasoline purchases as its a cash reward credit card. A {$670.00} charge is well outside of my spending habits, and should have immediately marked the charge as fraud. 
4. I was never sent any information on why this dispute was reversed.

Update : 5. On XX/XX/XXXX I did finally receive a letter from Bank of America explaining why they " did not approve my recent claim ''. The letter says : '' We made this decision because : After you submitted your claim, you later confirmed that the charge ( s ) were valid. '' This is completely false, I never once claimed the charges were valid. 
6. I spoke with an employee from Regulatory complaints operations on XX/XX/XXXX. She was very helpful. Although I never received her call extension, or information to contact her so I can provide additional information.
Product: Credit card or prepaid card

XXXX I called Goodyear to complain about a {$10.00} FEE when I withdrew just {$20.00} from my XXXX XXXX XXXX ATM, on XXXX XXXX, XXXX. Goodyear employee told me that they were just following the law and the fee was valid. I believe it is usurious to charge 50 % fee for a small cash transaction of {$20.00}, Goodyear would not budge on eliminating the fee. My credit is XXXX with Goodyear having paid off purchase of XXXX tires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a late reporting on my account with XXXX XXXX XXXX   account ending in XXXX.I called XXXX to find out what the negative notation is they sent me a response stating that I was not late in the month I thought they were reporting in XX/XX/XXXX but in fact I was XX/XX/XXXX. Which according to my records all payments were on time. Furthermore when I checked my credit report they are now reporting me late in XX/XX/XXXX which is totally inaccurate. This is inaccurate and false reporting.
Product: Credit reporting or other personal consumer reports

My credit report contains multiple violations of the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that governs the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure 100 % accuracy in their credit reports. If a consumer suffers damages due to an FCRA violation, they XXXX be entitled to file a lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. 

I have documented all the dispute letters sent to your company since XX/XX/year>, and can provide evidence of your negligence and the resulting statutory damages in court. The accounts listed below are not 100 % accurate, and I demand their immediate removal from my credit report : XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with FCRA regarding XXXX XXXX and their response was not true or acceptable. They have failed to identify the charges and the slander further more The account is charged off, after the investigation XXXX XXXX was not only refused to own up to bank error and do the right thing. I have enclosed the many error they have made on my credit report. after the investigation he continued to slander my credit report with Late payment on charged off closed account up till the present day. How is a charged off closed account according to the FCRA rules fit into his action. It is illegal and it shows some serious arrogance and demonstrate discrimination and bullying. This Complaint as I am submitting the attached equifax report where he took it upon himself to break the law again! This behavior shows bullying and have the sense they are above the law! I demand that his behavior faces the right penalty
Product: Payday loan, title loan, or personal loan

I had contacted One main XXXX Fl in XXXX due to the effects of the covid 19. I unfortunately suffered a set back as my company released me due to the pandemic. I asked them to take me off of direct pay because i had no income and could not afford to make the payments on the two loans i have on the dates they were scheduled to be drafted. They directed me to thier website where i was able to do it myself. They then called me every couple of days to check on thier payments and i explained to them that i am working on trying to gain reemployment but its very hard at this time. I struggled and found a way to make both of XXXX payments late, the last one being  around the XXXX. On XX/XX/XXXX without authorization they drafted XXXX dollars out of my account that was unenrolled in direct pay and sent me into negative with bank fees making my position worse. They claim they were here to help during these trying times but in all reality, they could care less because they will not refund any of the unauthorized money they illegally took from my account.
Product: Money transfer, virtual currency, or money service

PayPal closed my account then took money from a customer from a closed acct and took XXXX placed in my acct from his nobody knows why and now I lost customer and ccant return him his money
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$7600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$580.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX IN. XXXX ) XXXX Balance {$150.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance {$130.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$220.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a client sent me XXXX  on my Venmo account. 
I immediately tried to transfer the money to XXXX of my bank accounts linked to my Venmo account. I accepted to pay their {XXXX} fees for an instant transfer. As the instant transfer request did not work, I called Venmo. They told me that this was a glitch in their system and to use a standard transfer, and I did it. 
To my astonishment, I received an email from Venmo telling me that my account had been frozen. This is what they say : " Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement '' I immediately called them multiple times to ask why, and they refused to give me a reason. I used their system to send a request on XX/XX/XXXX, they did not answer. I called again on XX/XX/XXXX and XX/XX/XXXX and could not get any answer. 
As I can not get my money, I can not ship the product my client ordered, and he wants me to cancel the transaction and refund him. Because of the unlawful attitude of Venmo, I will lose {XXXX}. This is not acceptable, and they should be liable. 
I have the feeling they illegally do this to thousands of clients, keeping their money for making profit. 
I am attaching a statement from Venmo showing that I should have received {XXXX} by XX/XX/XXXX, which did not happen. They tell me if did not happen because my account is frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX 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 an account without my written instructions.
Product: Vehicle loan or lease

Purchased a XXXX on XX/XX/2021. Arranged for financing thru Alliant Credit Union. Sent final MVPA and VIN number to Alliant on XX/XX/2021. Received paperwork and agreed/signed security agreement for Loan 01 on XX/XX/2021. Took delivery of the car on XX/XX/2021 from XXXX - confirmed delivery. First payment of {$400.00} due and withdrawn from my bank account on XX/XX/2021 by Alliant. 

Original security agreement stated $ XXXX financing : 71 payments of {$400.00} ( final payment of XXXX ) at 5.470 % in exchange for {$42000.00} paid to XXXX on my behalf with first payment due on XX/XX/2021. 

XXXX, lender rep, on XX/XX/2021 stated that there was a computer glitch on the signed paperwork and that I needed to sign new paperwork for a new Loan 02. My previous payment was put into a pending account. The newly requested paperwork ( after I signed the security agreement, after I took delivery of the vehicle, after the first payment was drafted, and after XXXX said delivery is complete ) has financing of {$41000.00} : 71 payments of {$680.00} ( final payment of XXXX ) at 5.740 % in exchange for {$41000.00} with a first payment due on XX/XX/2021. 

I dont want to sign new paperwork for a new loan with worse terms for me after signing and agreeing with the lender and taking possession of the vehicle. The lender is claiming that this computer glitch on their end and errors on the Loan and Security Agreements and Disclosure Statements voids the previously signed agreement and that new terms are required. I disagree.
Product: Debt collection

XXXX XXXX XXXX  subpoena me to pay old debt I asked them to send me information because I dont recall having anything to do with them or any debt owed that theyre allegedly claiming I owe.