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

XXXX place a hold on my account for XXXX reason, ( they could not explain what this was ). Because of this I could not open an account with XXXX to get new internet and tv service at my new address. I finally got this block cleared after over 4 hours of having to text and talk with the 3 credit bureaus, XXXX and the 3rd party company they are using to verify identity could not or would not tell me which credit bureau was doing the blocking. This has been very aggravating. Apparently there was no valid reason for the blocking. 
BTW : I am a XXXX Veteran
Product: Money transfer, virtual currency, or money service

Through the weeks of end of XXXX to the beginning of XXXX I was traveling from XXXX  to XXXX  I lost my wallet venmo was my only source of income getting money transfers from my sister understandably I had to go to different gas stations to purchase gas along the way I informed venmo of this letting them know I was out of town from XXXX California and I was heading on my way home and I lost my wallet abruptly thereafter they froze my account have not gave me any explanation on why there was no disputes there's no transactions I just declared fraudulent they just went ahead and locked my account with funds currently in it right now then they unlocked my account for a day and when I try to recover those funds they went ahead and suspended my account again this is more of a prejudiced issue towards me specifically then an overall terms issue they've not giving me any explanation of what I've done wrong if I did anything which they can't because I've done nothing wrong they have no proof of this and I know they don't meanwhile they've now caused my bank account to overdraw over {$100.00} because the funds that they're stealing from me were to cover bills that I had in my bank account those bills have now been debited from my bank without any funds because venmo has stolen my money and 180 days time frame is absolute nonsense because I've done nothing wrong again so I've done nothing wrong they don't have a right to just freeze my account for XXXX 180 days I have to do a violation for that to happen which I haven't done any and they have not given me any proof of it or any explanation of it except for a broad corporate lawyer theme terms of policy that has nothing to do with my situation so again I want to be reimbursed for the money that has been overdrawn in my bank account and the money there currently holding they can close my account I'll go away but I will not do so until I have my money that they owe me
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCOUNT XXXX XXXX HAS XXXX XXXX RIGHTS XXXX OF XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXX XXXX VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX  ACCOUNT # XXXX  HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCONUT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES | 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: Vehicle loan or lease

I have a motorized RV 20 year loan, originated with Essex Credit in XXXX, which was sold to Bank of the West and sold again to BMO Bank N.A. in XXXX. I have paid Bank of the West with a coupon book for 10 years of the loan without missing or late payments. 

BMO Bank N.A. notified me that they would be assuming the loan in XXXX of XXXX. Their mailings to me stated there would be no change in the conditions of my loan ( see attached mailings ) and that I would receive a new coupon book soon, but to continue using my current method of payment until receipt of the new book. 

I received one mailed statement of payment due, but no coupon book. I continued making payments with the old Bank of the West coupons. 

In XX/XX/XXXX, I made several telephone calls to BMO N.A. customer service inquiring about the new BMO coupon book and received various answers about why I could not get a coupon book, including, the need to refinance the loan to get a coupon book and that the payment method had been changed by BMO N.A. during the transition process. I requested elevation of my inquiry to a higher level of management at BMO. 

I was transferred to a XXXX XXXX, who informed me that he would resolve the problem and initiate a printing request for a coupon book that I would receive in 7 to 10 days. I did not receive the coupon book and again contacted BMO N.A. customer service in XX/XX/XXXX. 

This time the service agent informed me that I would not get a coupon book due to XXXX XXXX XXXX XXXX rules and that I must use a monthly mailed statement to pay the loan. 

As I never agreed to a change in my payment conditions of my loan, I mailed a certified letter ( see attached ) to BMO Bank N.A. requesting resolution. I received in return, an email directing me to secure messaging service which I had to securely log into and read that BMO Bank was unable to give a payment coupon book due to CFPB rules. I was not permitted to print the secure message. 

At this point, I decided to issue a complaint to CFPB.
Product: Consumer Loan

Car loan with First Investors Financial is reporting monthly late remarks after being approved for a loan extension. Account should not be reporting as late on credit reports. Also late fees are still showing in online account on their website, and I was told were to be added to the loan extension. A past due amount is reporting erroneously on my credit reports. And I am continuously robocalled numerous times a day about making a payment when my account is current.
Product: Credit reporting or other personal consumer reports

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail FCRA as a federally protected consumer I am opting out of any and all authorizations, of sharing my personal information with any third party entity ( 16 CFR 313.7 ) - 16 CFR 433.2-433.3 Requesting to opt out 15 USC 6802 ( b ).
Product: Checking or savings account

Opened an account with Wells Fargo online, Max initial deposit limit is {$500.00}. This initial deposit of {$500.00} was transferred from my primary bank ( XXXX XXXX XXXX ) to my new Wells Fargo account with no issues on XX/XX/2021. 
Three days later on XX/XX/2021 after my initial deposit posted in my Wells Fargo account I transferred {$2000.00} from the same XXXX XXXX XXXX account into my new Wells Fargo account. Unlike the initial deposit this transfer was flagged by the fraud department at Wells Fargo. I was notified of this issue by a Wells Fargo fraud agent ( at least that's what he claimed to be ) via a phone call on the evening of the XX/XX/XXXX or XXXX 2021. I informed this person that I was not going to answer any questions about my account to an unsolicited phone call and to inform me of any suspected issues via email and I would call him back. The next day my online account was frozen by Wells Fargo and a hold was placed on the {$2000.00} dollar transfer. 
Since then I've spent approximately 10-15 hours on the phone with Wells Fargo and have taken time off of work to meet with a banker ( Covid regs require an appointment ) in a completely different town because of no available appointments for 6 weeks in my town. 
It is now XX/XX/2021 and I still have no idea where my {$2000.00} dollars are.. Wells Fargo claims they sent the {$2000.00} back to XXXX XXXX XXXX XX/XX/2021 and the issue is XXXX XXXX XXXX and XXXX claims Wells Fargo never sent it back and its Wells Fargo 's fault. Thank XXXX I'm not living paycheck to paycheck or I'd be living on the street.. Any assistance would be greatly appreciated. Thank you in advance. 
BTW we've been members with XXXX XXXX XXXX for 40 years and they have offered no help.
Product: Checking or savings account

I have a navy federal account. I use it on a regular basis. Recently my account was breached and information was changed. When i tried to get back into my account there was an error. I was promoted to go into a branch which i did. The branch told me to call a number XXXX XXXX XXXX. I never did any fraud or anything to make my account be closed. Whatever new information that was provided is not mine so therefore i should not face the consequences.
Product: Credit reporting or other personal consumer reports

I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. I had recently reviewed my credit report and saw inaccurate information being report resulting in significant negative impact on my credit report. I never authorized this lender to make a hard inquiry on my credit report. Per credit consumer law ( 15 U.S. Code 1602p ) I request that you please remove this specific hard inquiry from my credit report immediately as for it is causing damage to my credit report proving inaccurate information which is in violation of my rights and of the FCRA. 

I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. As well as reporting late payments on my account this is inaccurate information that is having a negative effect on my credit report causing a negative impact on my credit score and payment history. Under 15 U.S. code 1681s - 2 that is in violation of the law and my rights to report any inaccurate information. As well in violation of 15 U.S. code 1681 ( b ) reporting any information regarding my credit report without my written consent. With my account being shown as a charge off of bad debt that is inaccurate and having a negative effect on my credit report causing severe damage to my credit score and history under 15 U.S. code 1601. Regarding the reports of late payments effecting my credit negatively I want to refer that under 15 U.S. code 1666 ( B ) it is a violation of my rights reporting inaccurate information. This is all in violation of the FCRA and I would like them removed immediately. 

I have previously submitted disputes with the following individuals XXXX, Experian and XXXX. The disputes have been submitted on 3 or more separate occasions dating back from XX/XX/year> til currently over the time period I have asked for them to verify proof there credit reports were accurate, they have yet to submit proof or proper accuracy I have pull credit reports from varies bureaus resulting in various instances where I found multiple instances of inaccurate information being reported having a significant negative effect on my credit scores.
Product: Payday loan, title loan, or personal loan

APR is 279.50 % which is over the required limit. 
Withdraw funds from two different accounts when just link to one account to withdraw. 
Monthly payment are expensive up to about {$260.00}. Which much of nothing goes to principle or balance. 
Will not comply with debt consolidation program. 
Lot of negative reviews from people who have been scam even after they paid the complete balance.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX XXXX payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$15000.00}
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. XXXX XXXX XXXX XXXX {$0.00}
Product: Credit card

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX reported identity theft I cancelled this service but they refused to reinstate card and services
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX  refuses to update my balance on my credit report. 
We are applying for a Refinance and can not get the correct information processed./ Please have them to update this now. 
They are showing a balance of {$8700.00}. With refinance every XXXX  dollar less provides a better score. 


XXXX XXXX XXXX XXXX - XXXX Account Summary Current balance : {$7900.00} Total credit available : {$2000.00} Cash credit line available : {$1000.00} Card Details Total credit line : {$10000.00} Cash credit line : {$1000.00} Amount over total credit line : {$0.00} Request a credit line increase Next closing date:XXXX  Last payment date:XXXX Last payment : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their handling of my vehicle, which was stolen and subsequently repossessed without any notification or assistance. XXXX is currently threatening legal action against me, demanding that I pay {$16000.00}, despite the fact that my vehicle was stolen and I made repeated efforts to recover it. 

In XX/XX/year>, I discovered that XXXX, the towing company that had my vehicle, had been hiding it from me despite my multiple attempts to contact them. My father finally reached them under the pretense that he had funds to retrieve the vehicle, at which point XXXX stated that I owed {$11000.00} to get it out. I also reached out to XXXX multiple times to seek help in recovering my vehicle and my personal belongings, but they refused to assist in any way. 

XXXX did not notify me when they repossessed the vehicle from XXXX and failed to provide any paperwork concerning this repossession. When I called XXXX last week, they informed me that they do not issue documentation for vehicles that have been reported stolen. I find this to be an unacceptable response, especially considering my vehicle was stolen and I have a claim ( Claim No. XXXX ) with XXXX XXXX regarding this incident. 

I believe XXXX actionsthreatening legal action for the recovery of {$16000.00} while refusing to assist or even notify me of the repossessionare not only unprofessional but may also be in violation of consumer protection laws. This lack of communication and assistance has caused me significant financial and emotional distress, as my personal belongings worth approximately {$30000.00} were left inside the vehicle. 

I kindly request the Consumer Financial Protection Bureaus intervention to investigate XXXX handling of this case and to prevent further unjust actions against me. Any guidance you can provide would be greatly appreciated. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I have no change to my credit report, no identity theft complaint, i've made my payments and have no derogatory report with Citibank or any credit cards. Citibank is forcing me to make minimum payment only by punishing me for paying off a larger amount on my card. I made a substantial pament and withing 10 hours they reduced my credit limit therefore hurting my attempts to grow my credit score and to make sure I don't do it again and have to continue making minimum payments. I was punished for doing a good thing. They say it was a " coincidence '' that they ran a report a few hours after paying down my card which is a lie. They now have me fearful of making any more payments larger than the minimum due out of fear I will be punished again by reducing my credit limit.
Product: Credit card or prepaid card

OnXX/XX/XXXX I was charged {$1800.00}, which was not posted until XX/XX/XXXX on my credit card. This charge was not without my authorization, and since then I have been trying to get the credit card company ( Chase ) to dispute this billing. After numerous attempts and sending what Chase asked for in terms of documentation, Chase still has not resolved this billing dispute issue and keeps closing files on this dispute.
Product: Credit reporting or other personal consumer reports

I'm not being treated fairly by Equifax all of my information, that's on my credit report, all not right or accurate. Inaccurate information, list it with all of my balances on my create report. This is very disturbing it disappointing.Equifax is not doing a professional service. I've talked to many XXXX that's having the same problem like me.I am a XXXX XXXXXXXX , i would like a professional supervisor to handle my credit report case. Also I would need her or his name and badge 's number so this person can be recommended for outstanding service. And I would need their job title. You can email me dish information to XXXX I have gotten nowhere with Equifax.Handling my credit report case. The American people need to be treat with and respect concerning professional business, and treat it fairly.XXXX XXXX XXXX  XX/XX/year> XXXX XXXX thank you for taking the time to read this.
Product: Credit reporting or other personal consumer reports

Dear CFPB, This complaint alleges that the Department of Education XXXX DOE ) has violated the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in its collection of a student loan debt from me. 

Specifically, the DOE has : Failed to Provide Validation Information : In violation of 12 CFR 1006.34 ( b ) ( 5 ), the DOE did not provide me with the required validation information regarding the debt before placing a collection account on my credit report. This information is crucial for me to verify the debt 's legitimacy and dispute it if necessary.

Denied Opportunity to Dispute : Contrary to 12 CFR 1006.34 ( c ) ( 4 ) ( I ), I was not given a chance to dispute the accuracy of the debt before it was reported to credit bureaus. This right to dispute allows me to ensure the information on my credit report is accurate and protects me from potential errors.

Used False or Misleading Information : The DOE 's actions constitute a violation of 15 USC 1681-S 2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ) by using false, misleading, misrepresentative, and deceptive means to collect the debt. They reported the debt without providing the legally required disclosures.

Disclosed Personal Information Without Proper Notice : The DOE allegedly violated 15 U.S.C. 6802 by disclosing my nonpublic personal information to a credit reporting agency ( CRA ) without providing me with a compliant notice under 15 U.S.C. 6803.

Furnished Report Without Consumer Authorization : Additionally, the DOE 's actions potentially violate 15 USC 1681 ( a ) ( 3 ) by furnishing a consumer report to a CRA without my explicit authorization for a credit or insurance transaction I did not initiate.

Potential FCRA Section 607 ( a ) Violation : The DOE 's interaction with the CRA might also be in violation of 15 USC 1681-B ( f ) by failing to ensure the CRA verifies the purpose for obtaining my report and limiting its use.

These actions by the DOE have resulted in : Damage to my Credit Score : The inaccurate or unverifiable debt has likely negatively impacted my credit score, making it difficult to obtain loans or favorable interest rates.

Unnecessary Stress and Anxiety : The DOE 's collection practices have caused me significant stress and anxiety due to the uncertainty surrounding the debt and its potential consequences.