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

In late XXXX my relative sent me {$290.00} via cash app so I had a choice to instantly cash out or standard I chose standard so I would y have to pay a fee on XXXX XXXX was the date of deposit however they deposited it to an account that I know nothing about and its not mines so the investigation started on the XXXX of XXXX and I still havent received my money every time I call they tells me theyre investigating or it went to the wrong department Ive reached out several times through out the investigation only to find out nothing is being done they keep saying its still under investigation I called for the last time this morning and its the same thing I need my money its mines
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED In accordance with the Fair Credit Reporting Act The list of account below has violate me federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. HOW WAS THIS INFORMATION VERIFIED AND/OR DISCLOSED, ON WHAT DAY AND BY WHO? 15 USC section 602A states i have a right to privacy. 15 USC section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I ONLY have one name XXXX XXXX XXXX, XXXX phone number XXXX, and XXXX employer- United States Postal Service XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX Balance Balance {$81.00} Date Opened XX/XX/XXXX
Product: Debt collection

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ) has been sending me collection notices in the amount of {$590.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcy to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 Section 602 A States I have the rights to privacy.

According to : 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 According to : U.S.C. 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to pay Kohls in full beginning in XX/XX/XXXX. I verified with customer service multiple times that they would accept a savings account that I had that had an account number and routing number to pull money from. Every month I would call back and check in on the updates because I am in the process of buying a house and paying off debt. As a recent college graduate, this is something that I am working aggressively on. Every month I would be asked to give them my account and routing number again to attempt the payment over again. This continued until XX/XX/XXXX when I ended up having to give Kohls my checking account instead of my savings account despite the reassurance from Kohls that they could use a savings account. My bank also confirmed that this account was compatible to pay bills and I had paid several bills from this account. Kohls told me they attempted payment so many times that they had to date the payment for XX/XX/XXXX and  that they would remove all late payments and report to the credit bureaus that the late payments were Kohls fault and they should be removed. I called again on XX/XX/2020 and Kohls told me they would report on XX/XX/2020 and I should see this reflected. I called again on XX/XX/2020 and Kohls told me that they attempted to report to remove my late payments and they were denied despite my many months of being told that it would be removed. I was rudely told that there was nothing I could do and that it was my bank 's fault even though I had spoken with my bank before using this account and my bank was given no notice that there were issues with Kohl 's obtaining payment. I was told over the phone they could not do anything for me and that the supervisor that told me in XX/XX/XXXX they would remove the payments would not have said this despite being on a recorded line. The supervisor I spoke to on XX/XX/2020 also began twisting my words around to try to put the blame on me and not the fact that I have been attempting to pay them over the past several months.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Here is the list of ITEMS which do not belong to me or were opened without my permission. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are not showing that my student loan balance is XXXX When reaching out to both credit reporting agencies, I was informed that Moheala is not responding to either credit reporting agency.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX numerous times. I have contacted each of the credit bureaus to dispute the account reporting inaccurate information numerous times, and I have requested validation of the debt numerous times. I also have contacted my XXXX  attorney and the XXXX XXXX for assistance, with this account. However, XXXX is REFUSING to correct and/or delete this account with each of the credit bureaus as promised. It shows the account is a charge off/collections and is derogatory. This account was XXXX in my XXXX XXXX XXXX ( case XXXX XXXXXXXX, filed XX/XX/23 and XXXX on XX/XX/23 ). XXXX is saying the account XXXX sold to XXXX XXXX XXXX, ( although I never received any papers from XXXX XXXX and XXXX XXXX is not reporting anything on my credit reports ). When I call XXXX and enter my info, it says I owe a past due balance of {$7900.00}. I called XXXX XXXX XXXX and was told if XXXX was the original creditor and the account was XXXX, I need to file the XXXX  papers with XXXX to have the debt updated and/or deleted from my credit reports. My attorney and the XXXX  XXXX have submitted paperwork to XXXX and XXXX XXXX. Therefore, I am not understanding why this account is still negatively and inaccurately reporting on all credit bureaus, nor has it been deleted as I was told it would be. 

I disputed and requested the credit bureaus provide validation of the debts along with innacurate and/or fradulent inquiries, and to delete once they verified these were fradulent and not done for permissable purposes. XXXX has transferred me to XXXX supervisors ( said the calls were recorded ), and I was told the accounts and inquiries would be deleted in XXXX hours. It has been over XXXX XXXX XXXX XXXX XXXX XXXX and NOTHING has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit information on the consumer credit profile should be deleted since the account is closed XXXX XXXX XXXX # XXXX {$3500.00} XXXX XXXX XXXX # XXXX {$450.00} XXXX XXXX XXXX  # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$1100.00} XXXX XXXX XXXX # XXXX {$1300.00} XXXX XXXX XXXX # XXXX {$630.00} Equifax credit bureau Should delete these accounts, since they are closed and no longer valid on the consumer credit profile.
Product: Credit card

I was in XXXX and took a cab from the center of the city to the airport. Upon arrival at the airport, I gave the cab driver my credit card. He had the card for 2-4 minutes. He handed the card back to me and I asked for a receipt. He indicated that he could not provide the receipt. It was XXXX and we needed to clear security ( 2 hours prior to departure ) and I left the cab with my card and no receipt. I cleared security and went directly to the XXXX XXXX XXXX XXXX XXXXXXXX ). When I arrived home on my statement there was no charge for the cab ride. There was however a charge of XXXX for clothing at a store for clothes at XXXX. It was impossible for me to make this purchase since I was in the airport and in the lunge waiting to go to my gate. I provided to CITI a photo showing the meter ( when he indicated that he could not give me a receipt, we took a picture of the meter in hopes of getting reimbursed by my organization ). I have called CITI three time, the matter has been " escalated '' and denied ( formal letter sent to me ). I am absolutely at the end of my rope trying to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX RAN MY TRANSUNION TWICE IN ERROR, WAS TO BE SOFT ONLY.
Product: Student loan

Nelnet is charging me interest on my student loans, even though they are placed in stopsave forbearance at 0 % interest since XX/XX/XXXX. They also emailed me to confirm that the ED directed them to put it in forbearance. 

Ive actually paid some of my loan, and some of that payment went to interest, over XXXX weeks after the judgement. Now, almost 2 months after judgment, more interest is still accruing. 

Ive tried to reach out, but was unsuccessful over multiple attempts over many hours. They do not answer their chat, their email service is down, and cant contact anyone over the phone. 

This is unacceptable and these illegal practices are directly harming me as a consumer. This is directly not allowing me to make payments as directed by the ED, and is in turn, delaying my end payoff date, increasing their own profits. This is extremely dangerous territory, and adding to the issue of student loans. The issues with not even being able to contact my loan servicer is also unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Compliance Standards. This alleged debt are reporting fraudulently the 4 Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance you must meet compliance standards. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, I NEVER WAS EXPLAINED IN EASY TO UNDERSTAND TERMS ON MY RIGHTS AND THE PROPER DISCLOSURES. 
If a debt is sold to a 3rd party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.
Product: Checking or savings account

I am wringing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged feee due to lagged posting of changes and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds I believe despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request for assistance with XXXX, XXXX, and Equifax. I am completing this complaint for myself and I no one is putting up to it. There are accounts listed that are not mine and I have given my written instructions to remove. Late payments on accounts that have not been late not once. This is my written instruction for the following accounts to be either removed or corrected. This is pursuit 15 US Code 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Remove the following accounts - [ ] XXXX  XXXX Account XXXX - [ ] XXXX XXXX & XXXX Account XXXX - [ ] XXXX  Account XXXX - [ ] XXXX/XXXX  Account XXXX - [ ] XXXX  Account XXXX Remove late payments on the following accounts - [ ] XXXX  Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] Remove the following address - [ ] PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

on XX/XX/XXXX i received a bill from a debt collector name ( ERC ) Enhanced Recovery company trying to collect a debt of XXXX as XX/XX/XXXX between XX/XX/XXXX they said they bought the debt from XXXX XXXX XXXX my credit report has been damaged because of this they open it as a new account collection in my credit report. i call them on XX/XX/XXXX to ask them for the original contract agreement from this account and the representative denied my request because i refused to give her my address and also threatened with damage to my credit report she hang up on me, I called one more time i to get my request i was forced to give my address even though I didn't want i, then i received a mail with the verification and it was only a piece of bill from XXXX and XXXX, no contracts no payments history and signature. i called them back again on XX/XX/XXXX and had another altercation and they insist and damage my credit and threatened me with legal batters.
Product: Credit reporting or other personal consumer reports

Trans Union, XXXX, and XXXX are reporting inaccurate information on XXXX XXXXXXXX account number XXXX. It's reporting as 60 days late.
Product: Credit card

I 'm charging that Citi Credit Card company sabotage my credit rating by lowering my available credit below the current accelerated voluntary payments and then report to the credit bureau that the card is over the limit. They have continue to do this from some time. The latest event in XXXX over {$1800.00} available and payments over {$700.00} paid. Then in XXXX over {$700.00} in payments made with a minimum payment of {$110.00} due. Then in XXXX over {$400.00} in payments ( XXXX/XXXX/15 ) with only {$85.00} due and Citi lower the credit limit between the XXXX/XXXX/15 and XXXX/XXXX/15 and reported the over the limit to the credit bureau on XXXX/XXXX/15. This type of policy cost the client XXXX discount deals that may be offer by other organizations by keeping cards at limits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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: Mortgage

I have requested my loan be placed in Forbearance because of financial/economic hardship due to Covid-19. I have called and made several attempts to request forbearance. TD Bank keeps telling me that I do not qualify for mortgage forbearance but they refuse to provide documentation or a letter acknowledging/refusing my request. I have called at least 6-7 times and every time I call, they transfer me, tell me that I can submit a RFA ( request for assistance ) or they tell me that TD Cares has to help me and I can never get through to anyone in that department. If I am able to get through I am being told the same story again and again that I have to complete the application for forbearance so that I can get the refusal letter. They have been telling me these same things each time for over a month. To no avail.
Product: Credit reporting or other personal consumer reports

There was a XXXX  dispute letter sent to Transunion over XXXX  months ago on XX/XX/year> regarding XXXX unauthorized accounts. To date, Transunion has not responded to my request. I have included the FTC report, and the dispute letter which is dated and time stamped. I am requesting that the following accounts are deleted from my credit report within XXXX  days : XXXX  XXXX AUTO XXXX XXXX, XXXX BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft, Someone has gotten my information and has applied credit from multiple lenders. I have not authorized anyone to pull my credit. I have contacted the FTC and have a fraud alert placed upon all three of my credit reports. 

XXXX  XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX - XXXX XXXX XXXX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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: Checking or savings account

I have a bank account with JP Morgan Chase from which I sent a wire transfer to my aunt in XXXX XXXX of {XXXX}, this was on XXXX and was waiting at least a couple of days for the transfer to her, little did I realize when I tried to login to my account later on that Chase places a block on my account granted that I satisfied all the security measures online and verified the funds transfer. While attempting to login I thought I had my password wrong so I tried to reset it and that is when i found out that my account was blocked online so called Chase and after verifying all sorts of personal information over the phone and verifying to them that this transfer was made by me personally online htey transfered me to a security specialist as they stated to help me get access to my account online all I enocuntered was rejections to help me over the phone, the individual told me that I would have to go in person to the bank wich was not possible for me due to my work schedule, also the nearest bank to me is 6 - 7 miles from my home and I do n't have time during the week the only day I could go in person is on XXXX and I explaied to him the reason for the wire transfer as a humanitarian attemtp to help my aunt in P.R. not some third world county around the world. I hung up because I was not going anywhere with the guy, I called a few hours later when I got home just to have another session of security questions and meet with the same reuslt which also meant me that I ca n't access my account or my funds untill I go to a branch, today XXXX I went to the branch on XXXX XXXX in from of XXXX and found ot the bank is closed due to the holiday on XXXX which means that if I ca n't go to a branch untill I have the time to do so on XXXX this is going to put me two weeks without access to the account and the {XXXX} that I sent to my aunt in P.R. never went thorugh either.
Product: Checking or savings account

After opening a saving account, I learned from reviews online that bank if a fraud. It does not answer requests accurately ; invent obstacles and causes delays in answering the phones. And even when they answer the phone, they never address the problem. 

They put restrictions on my account, and I could not withdraw my fund and close the account. They kept saying they'll send a link and request a code, but nothing is what they say. They are blocking me from using my account since XX/XX/2022. 

They keep the person waiting over the phone, until he gives-up and hang-up. A very insolvent bank. Most reviewers for the bank rate them at XXXX and warn users not to use the bank. I believe the business should be closed and prevented from scamming people of their money.