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

I personally 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$270.00}
Product: Checking or savings account

On XX/XX/2022, a check for {$10000.00} was deposited via atm in my minor child 's account with my name attached. This transaction is fraudulent, and Navy Federal Credit Union is telling me that I am responsible for paying the money back to the banking institution as my child is a minor. I explained that I had nothing to do with the fraud and requested that an investigation take place on my behalf to get to the bottom of who was responsible. I filed a police report on XX/XX/2022, regarding the matter and provided the case number to Navy Federal Credit Union. After further investigation, despite my efforts to prove my innocence, Navy Federal sent correspondence informing me that I am liable for the money and that if I don't pay it back, I am subject to a charge off on my credit report. Navy Federal garnished any funds in my checking account. As a result, I incurred overdraft fees from the banking institution due to creditors trying to debit my account for monthly bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/3023 I stopped my Wells Fargo debit card ending in XXXX and ordered another. The bank authorized charged on the card on XX/XX/XXXX, XXXX, XXXX Totalling {$290.00}.
Product: Debt collection

On XX/XX/2022, I purchased carpet and installation services from RC Willey XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX NV XXXX. I was notified that in order to book the installation date I would have to pay the entire cost up front ( {$4000.00} ) or make a 50 % deposit of the entire cost. 
I opted to make the 50 % deposit which amounted to {$2000.00}. At no point in time was I informed verbally or in writing that a 2.6 % fee would be added to the total amount afterwards. No where in the Flooring agreement and promissory note that I signed on XX/XX/XXXX does it state a 2.6 % fee would be added to the installation if I used my credit card for payment. 
When I returned to complete payment on XXXX, I was expecting to owe the exact 50 % balance I was told I owed. RC Willey decided to add the 2.6 % fee surreptitiously but I noticed the difference and inquired why did the cost increase? There was really no good answer. 
I believe this constitutes deceptive and misleading sales practice. Whenever I have conducted business with any company that accepted credit cards for payment, this charge was clearly and openly disclosed beforehand. This did not happen in my case.
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX XXXX issued a debt instrument in the amount of XXXX ( negotiable instruments ) to Navy Federal credit union as the consumer. Nfcu declined my request for credit due to a credit report which is totally against my consumer privacy rights. Nfcu also used that information to determine creditworthiness which is a violation against my consumer rights and fraud.This is very disturbing because Nfcu has a charter here to serve the people and the constitution which are THE PEOPLE. THEREFORE I AM THE ORIGINAL CREDITOR U.S.C TITLE 1681a. Nfcu is in violation of there Fiduciary Duty to the consumer.I have fully lost faith in the banking system for misrepresention of Debt instruments ( U.S.C title 15 1692c ) when all debts are due to the United States. This is decit and fraud Nfcu is In fact in so many violations to me as the CONSUMER. To relief my pain and suffering due to Nfcu neglected to uphold the LAW AND THE CONSTITUTION I request that Nfcu release my credits owed to me as the consumer the credits I issued as the consumer in the amount of XXXX. I claim all rights, titles interest, and equity on promissory note issued to nfcu on XXXX XXXX XXXX for the amount of XXXXNfcu has caused a great deal of stress making it hard for me to provide the necessary items for my household and family needs through there decit. I WILL TAKE FURTHER ACTION IF NFCU DOES NOT HOLD UP THERE FIDUCIARY DUTY.
Product: Credit card

On XX/XX/XXXX  I received a notification that my credit score dropped XXXX points due to a 30-day missed payment. I have been a loyal customer of American Express for 4 years and have not missed a payment with the exception of this. This was a card that was not actively in use and was tied to a XXXX app that charged a {$6.00} charge. The payment was made immediately after seeing the credit drop and American Express stated that they can not assist in sending the Credit Bureau a letter to explain the situation. I would like to have this removed from the credit report as this was a one-time mistake and there should be leniency considering that a payment has not been missed in 4 years.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX, XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have already filed complaint against Bank of America because of fraud and a scam on BOA phone app concerning XXXX. I have gotten a resonse from BOA apparently BOA thinks that I am not a victim of fraud or a scam, because my complaint was denied. What happened to Regulation E
Product: Money transfer, virtual currency, or money service

Hi there, I am an XXXX seller who recently started selling on XXXX international sites.  

At first, I had set PayPal to do automatic currency conversions. Then I figured out that PayPal was charging significantly more than the mid-market rate, and I also found this post -XXXX XXXX   XXXX - from someone saying how bad PayPal 's currency conversion rates are. I believe that person is based in XXXX, which makes a difference ( i am in the US. ) To avoid PayPal 's abysmal currency conversion rates, I had read that I should set Paypal to accept other forms of currency - this would turn off automatic currency  conversion. So I did this. Then I opened an account on XXXX, with the intention that I would withdraw money from Paypal directly to XXXX in Euro, AUD, GPB etc. and have XXXX do the currency conversion to USD ( their rates are much more favorable than Paypal 's ). XXXX gives you international bank account # s to facilitate this. 

I tried to add those international bank account numbers to my PayPal account, and i found out I couldn't do it. Why? It turns out that paypal US will only allow me to add US bank accounts - so they make it impossible for me to withdraw other forms of currency other than USD. Essentially, paypal forces you to use them for currency conversion. I find this completely unfair as it is my earned money, and PayPal is taking all these unnecessary extra conversion fees and there is no way I can avoid those fees. paypal should give me the option to add international bank accounts so i can CHOOSE who does the currency conversion and am not locked into paypal 's predatory rates. this is not just me they are doing this to, but ALL U.S. paypal users. Unfortunately XXXX uses PayPal, so as an XXXX   seller I can not decide to simply stop using them. I do not think PayPal should be allowed to make it so that only THEY can do currency conversion with my money. I should be able to choose and link international bank accounts.
Product: Vehicle loan or lease

Hyundai Finance has reported a late payment on my credit report, when I was never late, I even received a refund since my account was paid in full and it was always in good standing. This would be for the 2017 Hyundai XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX  on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am constantly receiving letters from account aren't mine or some letters denied credit that i haven't apply for and one day not to long ago i when to XXXX tried to open a credit want to remodel my kitchen and i was told i had credit already i never apply for such credit with XXXX. so and all the letters lately receiving and i got one time back in XXXX XXXX at XXXX XXXX XXXX report was made by me at the XXXX XXXX XXXX location restaurant at XXXX officer 's XXXX XXXX XXXX XXXX XXXX when unit number according to this report is XXXX and report number is XXXX title : burglary of motor vehicle they crack or break my passenger side of the vehicle taking with them a full back pack pink with all my personal documents, income taxes driver license and a XXXX, not only that but personal documents from customers that I translate because I also work for this Attorney his Name XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX his number is ( XXXX ) XXXX he is a board certified Attorney also practice diferent types of law and on that day i had alot of Immigration documents already translate and ready to be send out with original passports. then on XX/XX/ i when to my local police station and file a identity theft report no. XXXX  officer XXXX because all the letters i was receiving that i was sure weren't mine.
Product: Credit reporting or other personal consumer reports

This is my refilling to the EXPERIAN. I have reached out to the following accounts below for so many times and talked to them about the issue with my accounts as reported by the EXPERIAN. They have advised me that they will DELETE the accounts, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Vehicle loan or lease

I opened an auto loan finance account with Ally Financial in XX/XX/XXXX. In the 6th month of payments, I began to pay slightly over the amount due- rounding up to the nearest hundred. ( Original Payment {$570.00}, began to pay {$600.00} or more, believing {$24.00} would be applied to the principal balance, it was not ). I called Ally Financial in early XXXX to inquire about this matter and was told it would be corrected. It never was. Fast forward to XX/XX/XXXX, and the following occurred : On or about XX/XX/XXXX interested buyers began to make offers to purchase my vehicle. As I entertained those offers, both myself and those interested buyers began to request payoff inquiries. On or about XX/XX/XXXX, I did indeed sell my vehicle to XXXX XXXX of XXXX XXXX. I called Ally Financial that day to inform Ally that I had sold the vehicle and to expect payment. Again on XX/XX/XXXX I began to communicate with Ally asking Ally to apply the payment to my account, as I had been tracking the payment, and I knew that it had been received. 

However, Ally Financial reported to XXXX Credit Bureau- and others- that I was 30 days past due in the month of XX/XX/XXXX. Ally Financial at that time, violated the Fair Credit Reporting Act with the extremely serious violation of false reporting. Upon this realization, I made calls and emails again to Ally Financial, as well as disputed this error on my credit. Ally Financial then provided false information to multiple Credit Bureaus, therefore causing the false information to remain on my credit report. This was another serious violation of the Fair Credit Reporting Act. 

Other evidence that supports my findings can easily be obtained from the XXXX which I have in my possession. The vehicle was sold at auction in the month of XX/XX/XXXX, and subsequently to an entirely new owner in the State of Georgia- all before Ally Financial reported the late payment to the Credit Bureaus XXXX Ally Financial has made no attempts to correct their error other than giving me case numbers for my inquiries. 

I have made several phone calls to Ally Auto. I have emailed Ally Auto. I have sent Ally Auto a certified mail piece informing them of my intent to pursue legal action. Ally Auto has taken almost three months to respond. They have changed dates which do not correspond with the information reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

My debt collection is with XXXX XXXX which I never received anything from them, it just went straight to a law firm. Originally they were claiming {$1300.00}, I had called XXXX XXXX XXXX to make payment arrangements, they were unwilling to work with me. Then XXXX XXXX XXXX office closed, and a supposed new law office XXXX XXXX sent me new information tacking on an additional {$1000.00}, alleging they had a lawyer spend 3 hours at a rate of {$350.00} an hour to investigate and handle my paperwork when all of that had already been handled and processed. Then I spoke with a representative named XXXX with XXXX XXXX and I explained to him that I was going to request a hearing and they submitted to the courts a request for a judgement immediately and that I had not requested a hearing. Also I am learning that the same representatives who are with XXXX XXXX work for Express Recovery, it seems very suspect that Express Recovery would employ the same people as XXXX XXXX. Also express recovery on XX/XX/2019 illegally took {$150.00} from our bank account leaving only {$1.00}. We never received a notice from XXXX XXXX or XXXX XXXX or the courts and we never authorized this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bonafide ID Theft/ Fraud however they have failed to remove 5 accounts on my credit report which has lowered my credit score by over XXXX points. 

Today I talked with a supervisor- XXXX XXXX who said that all he could do was file another dispute even though Trans Union has already disputed the information several times. Disputing is pointless because it is fraud so the original creditor is validating fraudulent information. More importantly, the original creditors can not provide proper validation that is required by federal and Texas state law. The original creditors, due to fraud, can not provide me or Trans Union with any original credit application or signed loan contract with my signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated.
Product: Debt collection

I lived in an apartment complex where the landlord was taken the tendents money. I lived there until my lease was up in 2020 of XXXX. The apartment compelx ended up going to court to get a court order to evacuate the premises I was already gone at the time. It was settled in court I have called the XXXX credit bureau where I was told it had been removed from my credit but it still shows up.
Product: Credit card or prepaid card

XX/XX/XXXX I reached out to Spring oaks capital and XXXX about fraudulent credit cards opened using my information I have yet to receive call email letter or text about the status of their investigation and try to remove fee of {$2000.00} opened with debt collector Spring Oaks Capital in XX/XX/2022. I have tried calling the respective agencies and have had no further update on the matter. I have tried filling police reports in XXXX XXXX where I live and in XXXX XXXX tn where the fraud address are located. The XXXX accounts do have phone number and emails attached to them that have been told to me but have not been written down
Product: Student loan

OnXX/XX/XXXX, my student loan account with Navient was open for repayment ( date stamp was included in the loan details on my online account ), and I enrolled in AutoPay in the amount of {$210.00}. 

OnXX/XX/XXXX, I logged onto my account. The date stamp onXX/XX/XXXX stating that my account was open for repayment was gone and I had been placed on administrative forbearance. I did not request a forbearance. The remark " payment deferred '' was added to my credit report, and has been flagged as item that lowers my score. Again, I never requested forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal TradeCommission 's Identity Theft Affidavit. Please delete the item as soon as possible. 


CREDIT REPAIR CONSUMER LAWS : Based on, 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 the item as soon as possible!

The account 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 card

I have had a Macys credit card for several years. Every time I charged purchases it was paid in full on time. XXXX 2014 I lost my job. My mother paid my Macys bill in the store. She did not realize there was a {$35.00} late fee. Thinking the bill was paid I was surprised when I was told I owe over {$200.00}. They are charging {$35.00} every month on the {$35.00} late fee plus interest. My mom says that is illegal and that I should contact this agency. Both my mother ( with my consent ) and myself have spoken with them to no avail. It has go into a collection agency seeking {$220.00}.
Product: Money transfer, virtual currency, or money service

I deposited a cashiers check from XXXX XXXX ( XXXX ) for {$8500.00} at the local WELLS FARGO branch- at which I am a member. 
I was told by the banker who took my check that I would have access to a portion of the funds ( {$5500.00} ) the following day ( XXXX ) and that the rest would be deposited on XX/XX/XXXX, XXXX XXXX days later. 

Number of Checks XXXX Total Checks Amount {$8500.00} Total Deposit {$8500.00} Deposit Availability {$5500.00} will be available on Tuesday, XX/XX/XXXX So, I said to myself : Okay, fair enough.. And on the strength of what the associate told me ( {$5500.00} the following day ) - I deposited the check. 

Today is Tuesday. XX/XX/XXXX and I havent had access to ANY of the aforementioned funds ( {$0.00} ) since I deposited the cashiers check! 
I even had the issuer of the CASHIERS check ( from XXXX a highly reputable bank ) to call. And they said that there was nothing that we can do.