23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Did a money transfer to a person that I have sent money to before. They gave me a tracking number which I sent to the receiver. Two days later, they sent me a cancel of the transfer? I have called several times and they will NOT give me a reason. I asked tot talk to whoever makes decision and they are protected from giving a reason for the decline and cancellation. I tried several times and they will not even tell me why? I am thinking to send again, but why waste my time?
Product: Checking or savings account

The images I will upload to this complaint are dated, top left corner of my phone screen I have a permanent date bar, which I set to be always on for the purpose of taking screenshots of my bank account with the date in the shot. Images will show exactly the scam I'm about to explain XXXX XXXX personal checking- no pending transactions XXXX XXXX personal checking- no pending transactions, but a processed transaction pre-dated for XX/XX/XXXX. This transaction momentarily took my account negative, however I immediately transferred money from my business account to cover the negative amount. 
XXXX XXXX even though I added more than enough money to cover the pre-dated transaction, M & T bank still charged my an overdraft fee They do this ALL THE TIME. Transactions are listed nowhere, not even pending, then a day later they show up pre-dated for days before. The only reason to do this is to manipulate the transactions to STEAL an overdraft fee. 
This is 1 instance. I have ATM receipts and pictures of my account that prove this is a regular habit for M & T bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Volkswagen Ancira ran 4 separate credit checks in one day, I only gave permission for the first one. All 4 inquires were on XX/XX/2019. The names were XXXX Volks 2x, Vw Credit, and Vw XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and there was information on it that didnt belong to me
Product: Debt collection

Midland Funding LLC is trying to collect {$600.00} from me from a debt that I owe through a credit one bank credit card that I supposely took out in XX/XX/2015. I never taken out a credit card under my name at all. They keep insisting me to pay the amount and got my social security, address and number from me. I do n't feel safe knowing they will keep calling me to pay this debt that I supposely owe.
Product: Credit reporting

I recently sumbited an indirect-credit bureau dispute to XXXX XXXX XXXX ( AKA XXXX XXXX XXXX XXXX disputing the 30 day late payment history reported to TransUnion and XXXX for XXXX 2015, XXXX 2015 and XXXX 2015. In discussion with XXXX XXXX, Loan Operations/ Risk Manager and XXXX XXXX XXXX Loan Operations Manager, I was advised that while I had executed on time payments for XXXX 2015, XXXX 2015 and XXXX 2015, XXXX had intended to report past due for XXXX 2015 and XXXX 2015. However per the credit reporting agency reports XXXX did not report XXXX 2015 or XXXX 2015 as past due, XXXX instead inaccurately reports XXXX 2015, XXXX 2015 and XXXX 2015 as past due. XXXX XXXX admitted that XXXX has a practice of reporting late payments when consumers pay on time. I have enclosed a letter from XXXX confirming their errors. In the enclosed letter, XXXX confirmed I had only XXXX 30 day late payments during the disputed time of 2015 as of XXXX/XXXX/2015 ; XXXX 2015 and XXXX 2015. Even though XXXX is regulated by FCRA and has been put on notice of the errors, XXXX XXXX refuses to correrct the inaccurate late payment hisotry. XXXX XXXX is aware that XXXX XXXX has a systemic problem of reporting late payments inaccurately and knowingly refuses to make corrections. XXXX XXXX even went as far as to threaten me if I filed a regulator complaint or an XXXX stating, she would go back and change the reporting for the months XXXX did not report as past due. Sadly my wife and I are far too educted in FCRA to take her threat seriously. We know that XXXX must not supply information to a CRA that it knows ( and should know ) is inaccurate. This includes reporting late payments when I have paid timely for the reported month. The willfulness of XXXX XXXX and XXXX XXXX to refuse to udpate inaccurate information when notified and aware of errors is not only harmful to the consumer but the industry as well. I expect the FTC, CFPB and FDIC to fully investigate this systemic control problem XXXX. Perhaps had XXXX had appropriate controls in place to ensure accuracy of reporting I would not be in a position to spend hours writing to their regulators. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit Report and I saw some inquiries that are not associate with me that I did not recognized so I called Eqifax and XXXX and they told me to File a complaint through you guys and then they were able to dispute it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not validated any of the debts TransUnion has furnished. I believe they are attempting to coerce me to pay on inaccurately reported accounts. No attempts were made by TransUnion to verify the account information with the consumer. I've made multiple attempts to resolve this issue, the most recent being XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX {$5400.00} XXXX XXXX {$0.00}
Product: Credit reporting

there are XXXX accounts on my credit report XXXX- XX/XX/XXXX mortgage loan .. closed short sale- bank agreed not to report. 
XXXX reported XXXX XXXX XXXX balance XXXX .. from 13 years ago.. creditor closed my account was never late. 
XXXXcard- bal o reported 11 years ago XXXX XXXX XX/XX/XXXX card was stolen .. closed still on report. never late. 
XXXX and Equifax reporting these accounts. they need to be removed..
Product: Credit reporting or other personal consumer reports

Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my third attempt Ive lost thousands of dollars paid high interest rates aggravating XXXX stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Product: Credit reporting or other personal consumer reports

i noticed unauthorized inquiries on my credit reports that i would like removed according to the fair credit reporting act these unverified and unathorized items must be removed 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On the days of XX/XX/2021 XX/XX/2021 and again on XX/XX/2021. I wrote to this company XXXX XXXX XXXX, XXXX  and Experian Requesting for an investigation into this item being reported unverified and inaccurate. it has been way past 30days and the 45 day grace period. I have not received an response from the following company in question XXXX XXXXXXXX XXXX and or XXXX  or Experian. In my previous requests. I have listed my reasons for disputing this item and I have attached the same information again. after reaching out to the company in question XXXX XXXX XXXX my mail was returned due to this companies in accurate information
Product: Checking or savings account

On XX/XX/21 I called the center of Bank of America to dispute a charge in the amount of {$24.00} from a purchase from poshmark on XX/XX/21 I had to dispute the charge because the package irrived damaged and I stop at the post office and I was told I could not claim the ins it had to be poshmark and the poshmark was not responding so I had no alternative to do it thru my bank all I wanted was a label to return the merchandise to get credit instead I was abused by my bank I spoke with a supervisor his name was XXXX in Arkansas he was rude nasty and I told him I would report him to the banking Commissioners office and ended the call. On XX/XX/21 I went to access my account I was notified that my account was in review to be closed I done business with bank of America for 15 years no overdrafts my account is in good standards I can't get founds of {$900.00} my name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an account showing in collections and is still being reported as late when is already paid off. XXXX and XXXX have removed this account, and I am not sure why is still being reported as late. 
The account is for XXXX, for the amount of {$160.00}, the account was paid off on XX/XX/2024 and the confirmation number is : XXXX.
Product: Credit reporting or other personal consumer reports

I came across the CFPB EXPERIAN lawsuit. 

I feel I was negatively impacted, hurting my chances at the credit after reporting a response to my earlier dispute that the accounts were " verified ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

when I was XXXX  years old I moved to Orlando to attend college I wasnt making enough money to support myself so i was living off of my student loans and was unable to pay them back
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. Your agency has violated my consumer rights and violated federal law. This is now multiple times in bringing this to your attention in an attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with

my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter.

I will be contacting the local police and filing an FTC report for fraud as your agency has stolen my identity and posted private information about me that is damaging my credit worthiness. I DID NOT GIVE YOU PERMISSION TO POST THIS INFORMATION. Thank you.
Product: Money transfer, virtual currency, or money service

So I made 3 deposits of XXXX $ on the XXXX of XXXX to invest. I have gotten 3 confirmation emails saying that it's able to be withdrawn or sent but the available balance is XXXX XXXX The funds should be cleared today as it have said it should have been. The money was taken out of the bank account and everything. I'm talking to the customer service and within the last 24 hours they havent responded to me.
Product: Debt collection

On XX/XX/XXXX of 2021 Phoenix Financial Services violated my rights and damaged my credit report by insinuating I owe them {$1100.00} without my permission or written consent. 
I attempted to dispute the items on multiple occasions, yet they verified the information was correct which continued to damage my credit report and score. 

According to 15 U.S. Code 1681 Section 602a 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Mortgage

my mortgage remodification was approved XXXX yrs ago. initially when I signed the contract there was an error in the document and months later they called me in to resign it for the XXXX time. now XXXX yrs later they told me I need to resign it again. which I did for the XXXX time. I was told in writing by XXXX XXXX if I did n't sign it they would not let me make any more pre payments to my sub loan. ( this is in my contract that I can make any prepayments with no penalty ) .so I would n't have any problems later, I signed this for the XXXX time. they also brought me a paper to sign to get an EIN # I am XXXX yrs old and do n't know why I would need this but I signed it anyway. I was also told in writing that I would receive a check for {$500.00} for my trouble which I never got. Now they are calling my home everyday asking me to do it again for the XXXX time. the bank calls my house everyday they went as far as to send a representative here last week with the same paperwork again which he left with my XXXX yr old grandson who said the representative took pictures of the front of my home. this is ridiculous I refused to be upset with this anymore and in turn the bank has now blocked my access to my online mortgage payment option. when I press to make a payment on my loan the screen reads that I am not able to use mortgage pay on the web at this time and gives me a phone # to call. when I call the number they tell me that I have to speak to my acct manager and I am sent to voice mail. this is a lot of aggravation for someone my age. in addition since the modification has been in effect in 2013 I have never missed a payment or been late and each month for at least a year I have been paying XXXX months at a time. I feel this is harassment and I would appreciate any help or advice you can offer.
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX To Whom It May Concern : My consumer report contains data that was obtained through identity theft. I didn't give explicit written consent or instructions for the transactions or accounts in question to be included in my consumer report. I ask that this information 's reporting be stopped and removed. I did not make a factual misrepresentation when I requested to block anything, nor is my desire to block anything related to the request to clock the identified transactions. 
The accounts that have been detected don't pertain to any transactions that I, the consumer, have made : 1.XXXX XXXX {$230.00} 2.XXXX XXXX {$1100.00} 3.XX/XX/XXXX {$150.00} 4XXXX {$640.00} 5.XXXX XXXX {$190.00} 6. 
Within five days after the transaction, you must comply with my + request and prevent these transactions from being included in my consumer report. 
Thank you, XXXX
Product: Credit card or prepaid card

My XXXX XXXX  mother passed away last year and had a fiduciary/insurance agent supposedly taking care of her finances. As it turns out, he stole over {$750000.00} by using her bank accounts to pay off his own loans, debts ( Capital One, XXXX, XXXX XXXX ), mortgage, car payments, utility bills, family trips, eating out, and just about everything that he could. He brought his house out of foreclosure and sold it less than two weeks after she died. He then moved out of state ( without telling anyone ) to XXXX, TN. 
The banking records were received under subpoena as the man, XXXX XXXX XXXX DOB : XX/XX/83 ), who was also appointed as the executor to her will, stopped responding to requests made by the beneficiaries as well as the attorney that he hired from the law firm that wrote my mother 's will. She had accounts at : XXXX XXXX and XXXX. 
He used these accounts to pay off his own credit card debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, has violated my rights.

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.
Product: Checking or savings account

I called and emailed Credit Karma many times, I was told the {$50.00} bonus would be paid by XX/XX/XXXX. But I never get it.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were accessed despite having insufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings of the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to the credit reporting agency that they're violating my consumer rights by reporting private information and also that I did not consent to it being reported. They claim they verified the debt and continue to keep reporting it. The agency did not verify the debt with me nor state who they verified the debt with.
Product: Credit card

I signed up for a XXXX credit card through Capital One on XX/XX/XXXX. Immediately after opening the account, I wanted to transfer rewards points from Capital One to XXXX XXXX. However, when trying to " Convert Rewards '', I am stopped by a two factor authentication ( 2FA ) page that I can not get past. Two factor authentication is working everywhere within Captial One, except this one location.

Specifically, this XXXX page asks me to type in a phone number where I'd like to receive the code, and then says that the phone number can not be associated with my name. When I click to try a different method, it suggests calling customer support. 

I have called Capital One several times throughout the past XXXX weeks. Twice on XX/XX/XXXX, once on XX/XX/XXXX, once on XX/XX/XXXX, and 3 times on XXXX. In the process, I have had a case created and subsequently closed. The resolution I was given in the case was that they " thanked me and apologized that they don't have a timeline for a fix ''.

I have been told by many representatives to keep trying every day, but as I see many people online with the same problem, I don't have confidence that my issue will be fixed.
Product: Checking or savings account

I am a victim of ID theft. XXXX was fraudulently transfer from Discover to XXXX XXXX bank in XXXX Discover put in a recall request But will not tell me the receivers name or account number nor will they follow up with the receiving bank This happened on XXXX.