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

they banned my paypal business account even though I dont have violation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

U.C.S. 1681 Section 602 A states that I have the right to privacy U.C.S. 1681 Section 602 A Section 2 its also states that a consumer reporting agency can not furnish a account without my writing instructions
Product: Checking or savings account

I want to write a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transcactions were authorized, I was charged fees due to lagged posting of charges and credits. The issue aligns with recent CFPB findings against XXXX XXXX for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are u fair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federal protect protective consumer rights to privacy and confidentiality under 15 USC 1681 the accounts are as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX next account XXXX XXXX XXXX account number XXXX account XXXX XXXX XXXX XXXX next account XXXX XXXX  account number XXXX next account accept it now are XXXX XXXX XXXX XXXX account number XXXX these accounts has violated my rights under 15 USC 1681 section 602States I have a right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c a 5 Section States no consumer reporting agency may take any consumer reporting containing any of the following items of information any other advice items of information other than records of convictions of crimes which the records by more than 7 years 15 USC 1681 s2a1 a person shall not furnish any information related to the consumer to any consumer reporting agency if the person knows or has been reasonable cost to believe that the information is inaccurate
Product: Credit card

I was fraudulently charged for a purchase and goods wasnt received properly, I tried communicating this issue with XXXX XXXX and disputed the charge numerous times, Ive sent them countless of information needed and I dont authorize this purchase XXXX - XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive told XXXX and Equifax and XXXX. Please remove XXXX XXXX XXXX off my credit report because it doesnt belong to me and I never dealt with that company in my life. Can you please Ive been dealing with disputing this item for months and always communicated with the company which information does not match up I have disputed this multiple times with Equifax and XXXX. XXXX XXXX already took it off my credit report.. can you please ensure that these guys take it off this does not belong to me and its ruining my credit Im a victim to identity theft. My Social Security number is XXXX. My date of birth is XX/XX/1986. Can you please have these guys remove this off my credit report
Product: Debt collection

Date of transaction XX/XX/2021. 
Account : Persons on Contract XXXX XXXX Purchaser, XXXX XXXX XXXX XXXX dba XXXX  seller/alleged creditor, BRIDGECREST CREDIT COMPANY , LLC servicer Type of Account : Investment XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX, XXXX contracted and conspired in a fraudulent loan with XXXX XXXX the consumer XXXX 
XXXX XXXX, consumer, allege to be the actual lender from XXXX credit card use in the transaction. 
XXXX XXXX XXXX XXXX XXXX XXXX  violated Truth In Lending Act Regulation Z. Agents notified failed XXXX XXXX rescinded the contract and is due remedy. Bridgecrest continues to attempt/collect payment for a voided contract and attempted to steal XXXX XXXX XXXX XXXX that is legally XXXX 's XXXX 

Contacted the following : XXXX XXXX Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporate Counsel for the XXXX firms XXXX, XXXX Dealership where vehicle was sold from in Georgia XXXX, XXXX headquarters in XXXX Arizona BRIDGECREST CREDIT COMPANY , LLC XXXX in XXXX, Arizona
Product: Credit reporting or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Collection account. 

FCRA violations : inquires are not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to submit a complaint regarding the Savings Account provided by Apple and Goldman Sachs, which offers a 4 % + return rate but requires applicants to have an Apple Card credit card as a prerequisite for applying. 

Upon applying for the Savings Account 's prerequisite Apple Card on XX/XX/2023, I was denied due to " insufficient credit history '' after Goldman Sachs only checked my XXXX credit history, which had a thin file on me. If they had checked my credit history with XXXX or XXXX, they would have approved me immediately. This situation exposes consumers to Goldman Sachs ' bias towards a credit rating company that does not take all possible measures to mitigate a thin file on an individual with a proven high credit score with other rating companies -- especially when the consumer 's ultimate goal is a Savings Account. 

I contacted XXXX regarding this issue and they advised me to plead with transaction parties sending data to other rating providers to also send data to XXXX, which is completely unscalable. 

I suggest the following action items be taken : 1. Apple should fix its Card application flow to have an appeal process with manual triage to review and mitigate obvious case errors. Their robotic denial process currently refers the consumer to XXXX to resolve issues. 

2. Goldman Sachs should reduce sampling bias by asking for credit rating from more than a single provider, namely XXXX, XXXX and XXXX. 

XXXX. XXXX should be held accountable for the consumer experience from a thin file and should be responsible for backfilling data available at other rating providers when a consumer can objectively prove the disparity. 

I request that CFPB investigate this issue and take appropriate action to ensure that consumers are treated fairly by financial companies. 

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

Unauthorized charges were made to my credit card on the following dates : XX/XX/2022 {$250.00} XXXX XX/XX/2022 {$100.00} XXXX XX/XX/2022 {$430.00} XXXX XXXX XXXX XXXX, XXXX My bank conducted an investigation and declined my dispute by saying that I received benefits from these transactions and asked for proof/documents for the transactions that I didn't make.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had five to six late payments on two accounts that I was never late for. The 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 accounts that I have included screenshots inside this complaint in on dates 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 paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached and or pdf.
Product: Consumer Loan

They have this account listed as a charge off and it was a settlement. My former attorney settled on this account and part of the settlement was my credit was not to have a negative and be cleaned up. The bank is Wells Fargo. This was a credit card that originaly was in dispute for charges that should n't have been on it. My attorney won and settled with Wells. Again this account is settled and is listed on my credit report as a charge off, therefore hurting my credit when it should n't be. This is wrong and needs to be corrected. I do not have the last XXXX digits of this account, it has been closed a long time, but I can give you what is listed on my credit report. XXXX is the account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX / amount $ XXXX/XX/XX/XXXX amount {$1500.00} filed ftc report and police report
Product: Payday loan

I was looking at my credit repot and I have never applied for a loan with this entity. I believe my ex-spouse whom I have been divorced from since 2006 has been using my ss # to apply for various loans, including this one.
Product: Mortgage

We applied for a pre-approval letter through Citizens one online in XX/XX/XXXX. We were pre-approved for {$250000.00} and we proceeded to look for homes. We signed for a home in XX/XX/XXXX. We sent everything to the bank when they asked for it. They proceeded to ask for the same thing multiple times such as signatures and pay stubs. We sent everything by email. I do still have the emails showing things being sent back. We would go weeks without anyone returning our calls and emails. On the last day that things needed to be processed we got a call stating that we would need to refinance our car this was XX/XX/XXXX. We were originally supposed to close on XX/XX/XXXX. The sellers were willing to work with us and we did refinance. The bank sent over a commitment letter to close on XX/XX/XXXX. We continued to have to send over paperwork 3-4 more times because no one could find it. We would also go unanswered with emails, phone messages and text messages. Our realtor and the the listing realtor would also go unanswered. I was told that everything was with the processor and she was looking over our information on XX/XX/XXXX. The processor did not return calls or emails. The processor then waited until XX/XX/XXXX to reach out to say that she could open the attachments on the email I sent the prior week. The processor lied and stated she had just got my file. I have a letter form the same processor dated for XX/XX/XXXX. Also, if she she was going through my file on XX/XX/XXXX she would have known that the attachments did not work. On XX/XX/XXXX the sellers terminated the contract. The bank did not follow through with anything they needed to do to close on time for the home. I have the unanswered emails and text messages to the officers involved. I can also pull my cal logs for the unanswered phone call messages. We would like the bank to reimburse {$580.00} for the home appraisal. We lost the home due to the bank not following through on their end and not sending over the information needed to close on the home. The bank did not keep an appropriate time frame for either closing. I have tried twice to file a complaint with the bank and no one followed through me with time.
Product: Credit reporting or other personal consumer reports

I was contacted by XXXX XXXX They told me that they purchased the account from XXXX XXXXXXXX XXXX. I was instructed to pay the amount due within 30 days or they would report it to the credit bureau. I paid the amount due and received a letter of satisfaction. 

The status is being reported as unknown in place of paid in full. 

XXXXXXXX XXXX stated that they did not report to the credit bureaus so I needed to contact XXXX XXXX XXXX who last reported to make the changes. 

I attached letter of satisfaction.
Product: Debt collection

There is a ER bill that I currently dont owe due to it being tied up in litigation. The lawsuit was filed in XX/XX/XXXX and it was illegally sent to collection in XX/XX/XXXX according to my credit report. I made several attempts to get this item off my XXXX  credit report through multiple disputes. The most recent dispute I uploaded proof of litigation and each time Sequoia Financial validated the debt. I wasnt even aware of the collection until around XXXX when I opened a letter that was dated XX/XX/XXXX. Ive been dealing with a serious medical situation. Today, I contacted Sequoia and asked them who owns the debt and who is validated it each time I disputed. They confirmed that the hospital owns the debt but they are validating it. I told them that I dont owe the debt. The hospital has said through their attorney that they already put this debt on hold. As of today, I checked and Sequoia last validated the debt on XX/XX/XXXX.
Product: Debt collection

Debt collectors filed lien, reported and threatened to sue for debt not owed and or paid in full! I am a victim of the XXXX XXXXXXXX XXXX Data Breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello This complaint is against the three credit reporting companies. Experian, XXXX XXXX and XXXX. I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified the three credit agencies previously stated with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX XXXX XXXX. 
The response from Experian and XXXX was that it was verified through their third partner XXXX. That can not be correct because I have a Freeze on my XXXX XXXX account since XXXX. which no one can obtain my report for anything until I unfreeze it. 
I wrote Experian and XXXX a second letter and mailed them on XX/XX/2019 telling them that they have lied when they said that they verified the two accounts in question using XXXX because I have a freeze on my account and when I called XXXX on XX/XX/2019 they stated that no one has requested or attempted access to my account this year. I told them that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. Only Experian wrote back a letter dated XXXX stating that XXXX verified the accounts and that I should talk to them if I have a complaint. 

XXXX XXXX never responded to my letter dated XX/XX/2019to verifiy the two accounts in question since and the 30 plus days to investigate my claim has been expired. When I Checked my Credit report with XXXX, It states that they too uses XXXX to verify the two accounts in question. I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. 

Please investigate these compnaies because what they are doing is wrong. They are using a third party that gives wrong information and attach it to your account and then tell you to fight them to get it corrected. No I dont have to fight because Experian, XXXX  and XXXX XXXX all lied and said that XXXX verified and account which is impossible because my account with them is FROZEN and no one can access it but I. I demand that these items on my account that was not verified be removed from my account because they are in violation of my rights and not to mention, XXXX XXXX did not even respond to my investigation request.
Product: Credit reporting, credit repair services, or other personal consumer reports

BEEN OVER 30 DAYS NO RESPONSE FOR XXXX, XXXX AND EXPERIAN ABOUT INCORRECT FRAUD ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are quite a few inquiries that i did not recognize on my credit report. I will list them below and would like for them to be looked into and removed please thanks.1XXXX XX/XX/XXXX. ( 2 ) -Arivo Acceptance XX/XX/XXXX. ( 3 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 4 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 5 ) -XXXX XX/XX/XXXX. ( 6 ) -XXXX XX/XX/XXXX. ( 7 ) XXXX XXXX XXXX XX/XX/XXXX. ( 8 ) -XXXX XXXX  XX/XX/XXXX. ( 9 ) XXXX XXXX XX/XX/XXXX. ( 10 ) -XXXX XX/XX/XXXX. ( 11 ) XXXX XX/XX/XXXX. ( 12 ) -XXXX XXXX XXXX  XX/XX/XXXX. ( 13 ) -XXXX XXXX XX/XX/XXXX. ( 14 ) -XXXX XXXX XX/XX/XXXX. ( 15 ) XXXX XXXX XX/XX/XXXX. Please investigate this unrecognizable and unauthorized inquiries please thanks.
Product: Debt collection

I received notice of a collection through XXXX XXXX for a company called Amsher Collection Services for a {$130.00} XXXX  charge I do not owe and that I never got any notification of to dispute. I never received any communication from Amsher or XXXX regarding a {$130.00} debt. My attempt to dispute the charge on transunion proved to be unsuccessful, however, I do not owe this amount to Amsher or XXXX. I switched cell phone providers multiple years ago and have never received an attempt to collect {$130.00} from XXXX.
Product: Vehicle loan or lease

On Tuesday the XXXX, approximately at XXXX, inside a motel lot, my car was repossessed by XXXX XXXX on behalf of Westlake Financial . This happened after their having called me incessantly demanding payment which were XXXX months in arrears. I stated to them that payment would be made in a reasonable time once I settle issues with technical and mechanical problems with the vehicle and I obtain new employment.

The auto dealer from where the car was purchased, only fixed the car XXXX  times but was not receptive to suggestions around providing a real fix. Long story short, the car never passed inspection for the XXXX  months I had it, engine light on, electrical issues, AC broke etc..Then, perhaps the biggest insult to injury, the car had a gps tracking device in the car which they denied being in there.

The reason I knew this was because at that hour, no one would randomly come to that Motel lot off of the highway at that hour unless they knew it was there. Also, interesting to note, this was not in the contract and there was no such disclosure of this type of device. This could also raise privacy issues. Our understanding of Truth in Lending Laws, Title 15 USC and Uniform Commercial Code has uncovered some very unsavory practices perpetrated daily on buyers by predatory lenders and dealers alike. 

This complaint may or may not meet your threshold of investigative inquiry but I hope to exhaust all remedies at this stage. Thank you for your consideration. 

Regards, XXXX XXXX XXXX.
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, 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

IMPORTANT : THIS IS NOT A NEW COMPLAINT. INSTEAD THIS IS CONSUMER WANTING TO AMEND THE RECORD THAT THE PRIOR CFPB COMPLAINT # XXXX ( WHICH IS CLOSED AND UNABLE TO BE AMENDED ) HAS BEEN 100 % RESOLVED BY THE LENDER, GOLDEN VALLEY LENDING. 

Approximately 1 week ago, I was contacted by XXXX XXXX who is VP of Compliance for Golden Valley Lending. 

From our first conversation approximately 1 week ago, Mr. XXXX was very professional and allowed me to share in detail my complaint. He kept me up to date as he conducted research regarding my loan. 

Yesterday, just as Mr. XXXX had said would occur my checking account received the exact amount of money that had been my original concern. As the Customer, I feel satisfied and am happy to have this matter be fully closed. 

I very much wanted the CFPB record to reflect that Golden Valley Lending, thanks to the persistent follow up and efforts by Mr. XXXX, did step up and have my appreciation for doing the right thing to resolve this matter completely. 

Sincerely, XXXX XXXX
Product: Credit reporting

I recently applied for an urgent loan with my credit union. When they tried to pull my credit report from Transunion, they were told that no information was available. My credit union called Transunion and were told that I needed to contact them. When I contacted them they told me that for some reason their system/company has XXXX different files for me and they need to combine the files before they could release my credit report. When I asked how this happened as I have never had a problem before they said it was just a system problem and that all I needed to do was send in a copy of my social security card and they could resolve my issue within XXXX business days. I immediately sent in my card copy as requested and after almost XXXX weeks they still had n't been able to get the issue resolved. I called them everyday, and everyday they told me it should be working now, but when my bank went back to pull the report they were still not able to obtain it. I call them, they tell me it 's okay, the bank calls and they say they are n't done working on it yet. I have asked several times to speak to a supervisor and have not been allowed to do so. Now today, my bank has reported that because of their lack of ability to obtain my credit report from Transunion they will not be able to grant my loan request and are closing out my application. The issues with my report are solely those of Transunion 's system and to no fault of my own. The other reporting agencies are n't having a problem, but my bank only uses Transunion who refused to correct THEIR error. I read online that this has become a normal practice for them and many people have complaints. In the meantime, my credit report is still unavailable and because of this I am unable to obtain an urgent loan that I need.
Product: Credit reporting or other personal consumer reports

Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX The date last active and date of last payment is inaccurate. This is a violation of the FCRA. Credit reporting agencies must maintain accurate and complete information.
Product: Credit card

I had a JPMCB credit card that was closed 2 years ago on XX/XX/2022. JPMCB is still reporting it as if it is still open and it is affecting my credit score. I thought after 2yrs this would no longer be the case. My understanding is that this is illegal.
Product: Debt collection

On XX/XX/XXXX. I received an alert about debt being added to my credit report. I have no knowledge of the debt they say I owe, nor the company collecting the debt. I immediately disputed the item with the credit bureaus. I also received a letter in the mail dated XX/XX/XXXX advising me of this alleged debt. 

1. This company is offering for me to settle for a debt I do not owe. Why would I pay for something I don't owe?

2. This company is calling me after the debt is disputed and still is in dispute with XXXX. They should not be calling me until the dispute is completed.

3. I also sent this company a letter on XX/XX/XXXX disputing this alleged debt and debt validation. There is no original creditor -- only a debt description. I have no idea who XXXX MC is. I never had any dealings with either company. 
4. This company states this alleged debt with them is accurate ( with XXXX  Dispute ), but I am unable to find any information about this so called debt description of XXXX MC.