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

This is XXXX XXXX who is submitting this CFPB complaint myself. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you. 

( CAPITAL ONE XXXX, CAPITAL ONE XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result '' .Transunion & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CEDIT REPORTING ACT, THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC UNDER 15 USC 1681. 

XXXX XXXX XXXX : ACCOUNT # 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 WITH OUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AFENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHR ADVERE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT SEVEN YEARS.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF GTHE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 

ATTACHED ARE CURRENT REPORTS FROM ALL THREE BUREAUS SHOWING DATE OF LAST ACTIVITY RECORDED INACCURATELY. THE XX/XX/year> LATE PAYMENT RECORDS ARE DIFFERENT AND INACCURATE. TRANSUNION SHOWS CURRENT PAYMENT STATUS AS 60 DAYS. XXXX REPORTS IT AS 30 DAYS. XXXX REPORTS THIS SAME STATUS AS AGREED. EACH OF THE XXXX REPORT PAYMENT HISTORY OF SAME ACCOUNT DIFFERENTLY. TRANSUNION 75 %, XXXX 100 %, AND XXXX 80 %. AGAIN, FOR THE SAME ACCOUNT. 

I am writing to urgently dispute inaccuracies on my credit reports with TransUnion, XXXX, and XXXX. These inaccuracies are critically damaging my finances and severely affecting my ability to purchase a new home for my family. 

The inaccurate information is causing significant harm to my credit score and, consequently, my financial stability. I request that all three credit bureaus promptly investigate and correct these inaccuracies to reflect my true credit history. 

Your immediate attention to this matter is greatly appreciated.
Product: Debt collection

I sent this agency two debt validation letters on two different occasions and they have failed to validate this debt.
Product: Student loan

0n XX/XX/XXXX I received my load for {$29000.00}. I stared paying back my loan in XXXX. I had trouble repaying loan so the navients customer service agent strongly suggested to defer my payments. I was paying the intrest and nothing toward the Principal. They insisted that was the best option for me. Knowing what I know now, it was the worse option. Im still repaying my loan. I have repaid over double what I was given. Instead of the agents helping and looking for the clients best interest they were only looking out for Navient Solutions. Im hopping to get Reimbursed for getting taken advantage of. Navient is not a trustworthy loan provider.
Product: Checking or savings account

Im on vacation they suspend my account and refuse to give me access to my funds after i provide the documents needed my connected back XXXX XXXX contacted chime as well they refuse to access my funds and unlock my account this is fraudulent.
Product: Credit reporting or other personal consumer reports

This debt is reporting inaccurately within the XXXX companies also I requested the original contract I also provided a Cease and desist verbally and in writing dates and amounts are incorrect also interest is extremely high
Product: Debt collection

Infiniti Financial Services contacted me today XX/XX/2019 on my work line to advise that my Auto Lease was past due. The representative contacting me was very rude, threaten to ruin my credit, stating that my account was reported to the credit bureaus. My account has never been 30 days past due, and this is a false statement. This is against the law to make these statements. I pay this account at the same time every month.
Product: Money transfer, virtual currency, or money service

On Sunday evening, XX/XX/XXXX, I did a Zelle Money Transfer from a checking account at XXXX XXXX XXXX XXXX ( XXXX  ) to my gardener 's account to pay for work he had done during the week. I originally tried to send {$1700.00}, but the XXXX rules limit the daily amount to {$1500.00}, and I received notice to contact the Zelle XXXX at XXXX in order to verify that I wanted to continue with the transfer. I had a very informative discussion with XXXX personnel. They confirmed that the transfer of {$1500.00} would proceed and that the funds would be received by my gardener 's Zelle account within 3 business days. The {$1500.00} was debited from my checking account on XXXX XXXX  XX/XX/XXXX. By close of business on XXXX XX/XX/XXXX, the money had not be deposited to my gardener 's account, but he has received a notice that the transfer is " under review '' and the funds will not be available until XX/XX/XXXX. I know he has called his bank ( XXXX XXXX  XXXX and its customer service representative was unable to give an explanation for the delay, saying the delay was with the Zelle system. On XX/XX/XXXX, I called Zelle XXXX and talked to a customer support person. I was told that he could not provide any information on the status of the money transfer because Zelle doesn't keep any personal info and we need to contact our bankers. We're in a circular do-loop now. 

Zelle seems to be a black box that takes money in at one point and releases it at another point, but the money can't be tracker or accounted for during the transfer. The banks claim that Zelle is the " problem, '' but no one at Zelle could tell me what Zelle does to review the transfer or why it would take over a week to place the money in my gardener 's bank account. Zelle is not providing the advertised quick transfer service and it is making money on the delay in moving the funds. There is something fundamentally wrong here.
Product: Debt collection

Keep receiving voice messages XXXX saying that this is a reminder from an asset to inform me that my scheduled payment for the settlement on file number XXXX will be debited from my bank account and that I can disregard message if there is no problem with my account. I can reach them directly at XXXX. They never give me business name or state their name in the voicemail. I finally called number back asking who they are and who they are with and they kept dodging the question. He then said he was with a law firm and they were going to seize my assests for not paying on my settlement of a past car that was a XXXX and went to collections. I informed the person that I already settled that debt and have all my legal documents from the debt company showing my settlement reached and paid so this must be a scam. I asked again who is he with and he hung up on me. I call number back, same voice answered but he denied ever speaking with me. When I asked him what company was he with he told me " XXXX ''. I found the real company online and called them. The lady with XXXX said they are not with those people and believe they are scammers impersonating them and that they have reported it. I have not given any information to the callers but they had an old address on file that I no longer live at so I am concerned they have gotten a hold of my credit report or social somehow and fishing for more info.
Product: Debt collection

THIS ACCOUNT WAS REPORTED IN ERROR IN MY CREDIT REPORT. Please corroborate and fix instantly XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Product: Debt collection

I want Northland Group to be put on notice, they are not to contact me regarding this debt in anyway. They are not to covey any type or form, of my information related to this debt for purpose of collecting. This original creditor or collection does not show any where on any of my 3 credit agencies. This is a demand for my information to be removed from XXXX XXXX XXXX if it gets passed on then liability will be theres. I would appreciate this notice after there responding forwarding it to the FTC. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we returned our leased XXXX to a dealership in XXXX because our 3 year lease ended on that day. 
In XX/XX/XXXX I learned the the vehicle was never reported returned by that dealership and the dealership was unable to locate the vehicle. 
In XX/XX/XXXX we went to the dealership to find the car, but the vehicle was not found while on site. Later that day we received a call from the dealership indicating that the vehicle had been found and the dealership agreed to correct the problem. 
In mid-XX/XX/XXXX I received a letter from a collection agency regarding balance on the account. After speaking with the dealership this balance was removed. 
The issue is that the account seems to indicate that I had a past due amount from XX/XX/XXXX to XX/XX/XXXX, when the vehicle had been in possession of Toyota the whole time and there should have never been a past due amount on the account.
Product: Checking or savings account

My bank withdrew {$230.00} from my checking without my permission, authorization or even any notification on XX/XX/23. They did this to cover overdraft fees on my spouses business account ; which I am not on or have anything to do with. Those fees occurred due to them taking money out of that account for fees that werent disclosed and putting it in a negative amount. It is my understanding that a bank can only withdraw money without authorization for loans that they hold and are not being paid ; the right to offset.
Product: Consumer Loan

I paid off my car expecting my title, but it has been over a XXXX weeks and I still do n't have it! Ally is telling me that they no longer have anything to do with my obtaining my title because they sent an email to California XXXX to release my title. California XXXX says they sent it over four weeks ago, but I have not received it. I have confirmed my address where the title should have been sent and it is correct, however, California XXXX does not track mail and now want me to complete a form requesting a duplicate title ( even though I never received any title ) and pay a fee. What a rip off!! Neither entity will get involved enough to PROVIDE ME WITH MY TITLE. I kept up my part of the deal and paid off my car, but they have neglected to send me my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many inquiries on my XXXX credit report I do not recognize some from XXXX bank, XXXX XXXX, XXXX, and Bank of America.
Product: Credit reporting or other personal consumer reports

I HAVE SEVERAL INQUIRIES LISTED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. I REACHED OUT TO THE FOLLOWING COMPANIES WHO SUBMITTED THESE HARD INQUIRIES AND RECEIVED NO RESPONSE WITHIN 60 DAYS. 
INFORMATIVE RESEARCH XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Bank of America withdrew {$1700.00} from my checking account. Giving me a credit of {$1700.00}. On XX/XX/2019 I called to request a full refund since my balance was {$0.00}. On XX/XX/XXXX Bank of America states a refund was issued to my checking. My bank said Bank of America did not refund any funds to my account. 
I have called Bank of America and each time I am told I have to wait. Today XX/XX/XXXX I am still waiting and each day since Bank of America said a credit will be issued it hasnt. When I call them they say they need more time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT the following banks have violated my rights and reported inaccurate late payments : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDAHO XXXX XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX performed a hard pull on my credit in order to open a checking account. I was not looking for an extension of credit, which is what hard pulls are for. In fact, but opening a checking account, I am the entity providing credit to XXXX XXXX. 

If they received my consent, it was on a page with 15 other disclosures that masked the fact that this would occur. I would view that as deceptive. 

Can we stop companies from conducting hard pulls when individuals are not looking for an extension of credit? 

Thanks.
Product: Money transfer, virtual currency, or money service

I sent my XXXX currency from XXXX to Binance us but it was the wrong token I sent XXXX token to Binance us and I wrote them about it they said the would charge me a fee for returning it back to XXXX XXXX but its been XXXX  days now and they ignoring me ticket number # XXXX.
Product: Money transfer, virtual currency, or money service

I have had numerous XXXX transactions where I was not able to get my money back. It was sent to the wrong person or it was a scam and they would not give me my money back.
Product: Checking or savings account

I went to sleep with {$10.00} in my account Friday XX/XX/2021 and woke up with a balance of - {$64.00} on XX/XX/2021, every time the bank does posting at night, my money is missing from my account. Also I dont have overdraft protect, so my card should decline ever transaction in which I go over balance. I believe this bank is selecting which transactions to post in an order in which it overdrafts my account then still charges me overdraft fees but not posting them on the app so the I can see those fees. Lets just call them ( Hidden fees ) because they hide these from me and I know they are still doing it. I called and I am told Im not being charged, but this is not true. Please help me! You can even keep 25 percent of whatever money you find on my behalf. 

XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagging posting of charges and credits. This issue align with recent with the recent cfpb finding against navy federal for similar practices where transactions settle with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I opened a td bank yesterday, XX/XX/XXXX, and I deposited cash {$310.00} dollars. Im a XXXX XXXX that money was to buy books online etc. I wake up this morning not be able to purchase my book online, I call the bank and they said Td bank  is refusing to release my money. I ask why, they said from something happening in XXXX 4 years ago. I said can you provide more information please he said Td bank is keeping your money. And my account wont be able to use or do anything. I want my money its for my school books.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4700.00} XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

Mr. Cooper did not credit my payments when received. According to the attached highlighted records they provided, their interest calculation is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous disputes and method of verification requests Experian still verifies information reported from XXXX XXXX as accurate. 

XXXX  and XXXX  both deleted information reported from XXXX XXXX from my credit reports after they could not provide information on what they based their reporting on. 

I sent them copies of certified mail receipts where they did not respond to my M.O.V. request within the required times and where they committed several Fair Credit Reporting Acts violations and they still continue their willful noncompliance. 

Enclosed are copies of some of my correspondence with them.
Product: Credit reporting or other personal consumer reports

*Communication Summary with Portfolio Recovery Associates Regarding the Disputed Debt of $ XXXX On XXXX, I discovered a debt of ** $ XXXX reported by Portfolio Recovery Associates across all major credit bureaus. However, I believe this debt is not mine. 

To address this issue, I initiated contact with Portfolio Recovery Associates to dispute the validity of the debt. On XXXX XXXX, XXXX, I explicitly requested identity authentication, as I needed solid proof that this debt was legitimately linked to me. I asked for documentation demonstrating a direct connection, specifically requesting hard evidence such as a signature or emails from representatives that would confirm my association with the account in question. 

Following up on this matter, I reached out again on XXXX XXXX, XXXX, reiterating my need for verification and further emphasizing that the debt could not possibly belong to me. I expressed my ongoing concern about the lack of concrete evidence linking me to this alleged debt. 

As the situation progressed without satisfactory communication or resolution, I escalated my request on XXXX XXXX, XXXX. In this correspondence, I demanded the removal of all accounts associated with my name from their records and requested that they remove all reports related to this issue from the major credit bureaus. 

Since my last communication in XXXX, I have not received a response for several months, and the investigation concerning my dispute remains open. The lack of communication and resolution from Portfolio Recovery Associates is concerning, especially given the potential impact on my credit report and overall financial standing. 

-- - This summary captures the timeline and key points of my correspondence with Portfolio Recovery Associates, clearly outlining my concerns and the actions youve taken to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.