23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX  and XXXX XXXX have me as a repo on all platforms making it hard for me to get a car. Which I sued the company for repossession my car when I never was late for any payments
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In my consumer credit report, a note of XXXX XXXX of Bankruptcy # XXXX which does not belong to my credit reports is reported. Like variations of names, addresses that do not belong to me such as XXXX XXXX XXXX XXXX XXXX P.R XXXX and jobs that do not belong to me, such as XXXX XXXX and XXXX XXXX XXXX. 

Realize an investigation in the portal of the judicial branch of Puerto Rico to verify the information of the incorrect record and this case number is not reported under my name. This situation is making it impossible to use my credit for future purchases.
Product: Credit reporting

More than one year ago I disputed an item on my credit report through Equifax - XXXX XXXX # XXXX. The dispute was never resolved and a notation on my report has said for quite some time, " ACCT IN DISPUTE ; RESOLUTION PENDING '' The Fair Credit Reporting Act requires all disputes to be resolved within 30 days. Equifax has been harming my credit by not resolving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act has violated my rights. 

XXXX XXXX Auto Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX  XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX5 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The negative items in my file have been updated due to the CFPB breach and this is a violation of code 1681 I. Please remove the following items. Capital One late pay, XXXX XXXX XXXX account that says its in collections. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX  XXXX XXXX account is inaccurate, reporting that I was 120 days past due on a closed account. This information is inaccurate. I was never late, and this account was never mine. Which is why its closed. Im unsure why its even on my report. Ive tried multiple times contacting the university and the reporting agency transunion, and have received no help. 
This account started reporting in XXXX even though it was supposedly opened in XXXX.
Product: Mortgage

When my HELOC was transferred to Shellpoint Mortgage Servicing, I tried to signup online to service my loan but was told they needed to send me a security PIN via traditional mail via USPS in order to then call them back with that PIN to complete the registration of my online account. I initially just wanted to call and payback the full amount that was due on my account so that interest would no longer accrue however the amount they said that they could take over the phone was XXXX. 

After waiting 10 days, I received the PIN - called the company, got my online registration complete and paid the XXXX amount that was allowed which left a remainder of XXXX of unpaid principal. I decided to wait XXXX hours and pay the remaining amount but was greeted with an error message saying 'no pending payment due ' on their option of making a 'one time payment ' from their online system. I called their XXXX number to make a payment over the phone but was told the maximum amount I could make was XXXX and that the rest would have to be mailed in or wired which would still accrue interest on the remaining XXXX. 

This practice of making it intentionally difficult to payback the principal on the HELOC along with misaligned system maximums deems this company as intentionally misleading and fraudulent to consumers who have the ability to back back their loan in full but are kept away in order to wrest away additional dollars via daily interest accrual.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and subsequent identity theft. Fraudulent accounts and inquiries have appeared on my credit report without my authorization. I request that you take immediate action to block and delete the following accounts and inquiries as allowed under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to Be Blocked and Deleted : 1. XXXX - XXXX - XX/XX/XXXX - {$840.00} 2. XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1800.00} 3. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$880.00} 4. XXXX XXXX - XXXX - XX/XX/XXXX - {$32.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I opened a US Bank business checking account and business money market account with a promotion they were offering. At the time, the branch I opened the accounts at printed out a flyer that offered {$500.00} within 45 days of meeting the following terms : 1 ) Open a new US Bank business Gold or Platinum Business Checking Package and a US Bank Platinum Money Market account by XX/XX/2019. 

2 ) Then, you must complete {$5000.00} in new money deposits XXXX Direct, Mobile,  ACH, or Wires ) within 30 days of your business checking account opening. The cash bonus will be deposited into your new U.S. Bank Business Money Market Account within 45 days of deposit verification. 

-- - I opened the accounts on XX/XX/2019, and met the terms on XX/XX/2019. I contacted my local branch that opened the account for me on XX/XX/2019, after 45 days had passed from meeting terms to follow up on the status of the bonus. I was informed the promotion had not been applied to my account. I provided a copy of the flyer that was used to open the account with the bonus promotion and was told that they would follow up with the sales department. On XX/XX/2019, I was informed once more that the sales department would not be offering me the bonus, despite meeting the terms, because I was not targeted for this offer. I do not understand how this is possible given that the offer was printed for me by my local branch.
Product: Mortgage

We were denied 9 times through an attorney to obtain HARP assistance and finally had to submit to a 40 year re-finance through Wells Fargo at 6.875 % interest or they threatened to foreclosure on our home. For 10 years we made our payments on time and never late. I am XXXX years old and my husband is XXXX years old and we will never be able to pay off our home now. My husband retired 5 years ago after almost 40 years of XXXX XXXX. Wells Fargo added missed payments to the existing balance of our loan which was incorrect. Therefore, our previous balance went from {$130000.00} to {$170000.00}. The refinance was unethical and we think the loan is a predatory loan. We would like to get some help as our {$1500.00} monthly payment to Wells Fargo is all interest save {$55.00}. Disgraceful!!!! Please help.
Product: Checking or savings account

A purchase I ordered was misdirected by XXXX to remove funds out of my checking account causing my account to go negative. The account going negative caused me to miss a monthly automatic charge which prevented my account from receiving a monthly service charge. The XXXX purchase was attempted two times which I did not agree with. I was charged {$34.00} two times plus {$34.00} in an overdraft fee and {$12.00} in monthly service fee for this error. 

I called customer service to remove the fees and only received partial credit to which I attempted to file a complaint and the customer service representative ignored my complaint and tried to discontinue the call. 

Since then, another automatic charge was attempted two times. While I forgot about the timing of the automatic charge and was not able to switch billing information in time for the first charge, I do not agree that Citibank should attempt to these charges two times to only receive additional fees from me. I was charged {$34.00} two times again for this transaction. 

Overall, the error by payment allocation to the wrong source caused me {$180.00} in fees and I was only granted {$34.00} in relief. 

I strongly disagree with this policy of trying NSF transactions two times to receive more income in fees. This causes undue harm to customers, especially during a pandemic. I can not be the only one impacted by this poor policy. I believe customers should have a choice when a transaction is attempted more than once. This practice is deceptive to the customer and only benefits the banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX** XXXX XXXX**
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't received any feedback from my complaint for 60 days now from the bureau which is just complete disregard for the laws that govern them. I hope with your help this will not continue
Product: Money transfer, virtual currency, or money service

I had a Venmo account that has been inactive since XXXX due to fraud. In XXXX a fraudulent transaction was authorized by Venmo from account for {$1500.00} from a CLOSED bank account. Despite this bank account being closed due to fraud, Venmo still authorized the transaction and sent it to the recipient. The recipient then tried to request ANOTHER {$1500.00} from my Venmo. Venmo did not confirm that the transaction was valid nor did they verify the funds and because the bank account was closed, now they are trying to collect the {$1500.00} from me, which is fraud. In addition, someone mistakenly sent me {$300.00} which I have asked Venmo to return to sender but Venmo is now fraudulently holding that {$300.00} as well because of the {$1500.00} disputed transaction. The sender even contacted Venmo alerting them of this mistake and requesting the funds be returned but Venmo has refused. 

In my entire Venmo history I have only had one other transaction totaling over {$500.00}, which I did in fact authorize and obviously did not dispute because it was a valid charge. However two sudden {$1500.00} transactions to the same recipient, was not normal behavior in my transaction history. I asked Venmo to investigate and after a cursory investigation they claim the {$1500.00} fraudulent charge is valid and have also continued to fraudulently hold the {$300.00} that was accidentally sent to me. Overall this is fraud and a complete lack of due diligence from Venmo. Holding that {$300.00} and not returning to sender after my account has had XXXX activity for 5 years is abusive and coercive fraud in addition to the original {$1500.00} fraud that they clearly never investigated as the investigation was opened at XXXX on XX/XX/XXXX but was supposed completed at XXXX on XX/XX/XXXX. At least pretend you made an effort rather than expecting me to believe that someone miraculously looked into this outside of Venmos working hours with a less than XXXX hour Friday night into early Saturday morning turnover time. Their lies dont even make sense with their own policies and hours.
Product: Credit reporting or other personal consumer reports

Dates: XXXX XXXX XXXX XXXX XXXX
Amount: $3,069.00
Action Taken: I sent several dispute letters
Product: Credit reporting, credit repair services, or other personal consumer reports

opened online XXXX account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on chexsystems report
Product: Credit card or prepaid card

The Company provided a Fraudulent statement lied to you a federal Agency. FBI, Metro PD and FTC already ruled that they in breach of Federal Law and committing Federal Banking Fraud. 

This what they wrote to you : " CFPB Response XXXX # XXXX ( Recd XX/XX/2020 ) Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/2020. We appreciate the opportunity to address the issues raised by Mr. XXXX XXXX and the CFPB. Mr. XXXX complaint references the treatment of Daily Cash for returns. The Apple Card Customer Agreement details the handling of a return on an Account, including that the Bank will charge an Account an amount up to the amount of any Daily Cash accrued for the transaction ( s ) related to the return ( a Daily Cash Adjustment ). Mr. XXXX made a purchase and earned Daily Cash.  When the Customer returned the merchandise, the Bank charged a Daily Cash Adjustment, as the Daily Cash he previously earned was already transferred to his Apple Cash account on XX/XX/2020. Based on the above details, we kindly request this complaint be closed. '' This the reality. The Merchandise was never returned. The computer is in my possession. XXXX XXXX   AFTER SPEAKING WITH GOLDMAN SACHS ON THE PHONE IN PRESENCE OF WITNESSES who submitted sworn affidavit to the FBI Also. XXXX advisor asked me to return it and repurchase it to gain additional discount when I went to purchase XXXX XXXX. I told them what about my cash they got Goldman Sachs on the phone and GOLDMAN SACHS representative in the  presence of the witnesses that I get to keep my cash back if I di what I am told by XXXX. Please see attached the proof that the merchandise was repurchased with the receipt and that it is registered to me with the XXXX XXXX Document. 

I have published this fraud to MEDIA OUTLET SO that other consumers do not get frauded by GOLDMAN SACHS LIKE I AM VEING FRAUDED AND ABUSED Additionally, their supervisor had agreed to put this under investigation and someone was supposed to call me and it never happened THE RECEIPT AND XXXX XXXX   EVIDENCE BELOW SHOWS YOU THAT I ABIDE BY THEIR TERMS AND CONDITIONS!!!!!!!
Product: Credit reporting

The account reporting XXXX XXXX is past the statute of limitations no verification or validation has been completed by Equifax. This item needs to be removed as this is violating my rights.
Product: Credit reporting or other personal consumer reports

Ive been receiving notifications on my XXXX consumer app stating that my identity has been compromised and is exposed on the dark web. I decided to get my consumer reports from XXXX, XXXX, and XXXX. I noticed inquiries from companies I dont have open accounts with nor did I apply for them. I have circled all the inquiries that I had know acknowledgement of on the attachments with this claim.
Product: Credit reporting or other personal consumer reports

Sent in a dispute to Equifax. The dispute was open as of XX/XX/year> for removal of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX account report on consumer report under the current law as follows : Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report.

All Credit Reports for collection of delinquent child support judgements fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 

This dispute has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

This is a Complaint Regarding Data Breach, XXXX and XXXX XXXX Violations, and Request for Immediate Discharge of Student Loans I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S.Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date of XX/XX/22 i submitted a complaint WIth the CFPB regarding concerns & complaints of all Inaccurate information on my consumer report with the 3 # C.R.A. XXXX, XXXX, TransUnion. XXXX was the only reporting Agency to address my disputes immediately by Deleting all inaccurate information and inquires. XXXX XXXX TransUnion has violated my consumer rights & the consumer law placed in place by the FCRA. FCRA # 1 ) 15 USC 1681 Section 602 ( A ) My Rights To Privacy. 2 # ) 15 USC 1681 Section 604 states no furnishing of accounts without my writtem permission & now they have violated new FCRA laws .3 # ) 15 USC 1681 ( i ) ( 2 ) ( A ) states XXXX XXXX TransUnion had 5 business days Apon receiving notice of A dispute they shall provide notification of the dispute & shall include all relevant information regarding the dispute & the Agency has received from other Consumer Agency. These requirements were not meet by XXXX or TransUnion. 4 # ) 15 USC 1681 ( i ) ( 5 ) ( A ) ( 1 ) states any information disputed by consumer, any Item of information is found to be Inaccurate, Incomplete, or can not be verified the C.R.A shall Promptly Delete the item from the file of the consumer.5 # ) 15 USC 1681i ( 7 ) there was no method of verification given. 6 # ) 15 USC 1681 ( 6 ) ( B ) ( iii ) A description of the procedure used to determine the accuracy & completeness of information. And also the furnisher who provided such information shall be provided to the consumer by the Consumer Reporting A gency. 7 # ) 15 USC 1681S ( 2 ) ( A ) ( B ) A person shall not report any information relating to a consumer to a C.R.A if the person knows or has reasonable cause to believe the information is inaccurate. ( B ) ( i ) the person or Agency has been notified by the consumer at the address specified by the person for such notices, the specific information is inaccurate and ( ii ) the information is in fact inaccurate.
Product: Money transfer, virtual currency, or money service

My number and email were restricted from using XXXX, in 2024 and I was not told why.
Product: Vehicle loan or lease

XX/XX/2019 pass due balance XXXX car sold at auction and XX/XX/2019 pass due balance XXXX I would like this remove from my credit report because value of car is greater then pass due balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a verified letter asking for verification for numerous accounts on my credit report. I sent letter one XXXX17. I sent letter two XXXX17. I then receive a letter from Experian on XXXX-17 stating they have completed the process of my disputes, and will no longer reinstates these accounts anymore. I did not receive verification according by law 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I did not receive verification from numerous accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is violating my privacy rights according to the privacy act of 1974. i tried reaching out to said company and got no response yet. i reached out sometime in about XXXX. no answer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I was dealing with a seller from XXXX and transferred my funds to him though XXXX and as soon as I sent the money I immediately lost contact with the seller And my bank that Ive been with for 15 years said sorry theres nothing they can do Please help me