23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/24 an auto payment debit was attempted on my checking out for two separate loans from the same lender XXXX  from my Navy Federal Checking Account. That checking account had non-sufficient funds. This occurred by my mistake forgetting to change my auto pay, I find Navy Federal Credit Unions duplicate fee in the same day to be predatory and causes a hardship on the member. They have previously had a class action because of their behaviors around their fee. CFPB previously acknowledges that fee range usually as high as {$19.00}. However Navy Federal charged me {$29.00} twice. They circumvented this by putting the fee on two separate days while the transactions occurred on the same days
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX & # XXXX & # XXXX, XXXX, XXXX. : # XXXX, XXXXXXXX XXXX XXXX : # XXXX & # XXXX, XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is reporting obsolete and inaccurate information on my credit report across all XXXX bureaus such as High balance- it the same on all 3 bureaus Last verified not the same on all 3 bureaus Date reported not the same on all 3 bureaus Date of last activity- not the same on all. 3 bureaus Date opened- not the same on all 3 bureaus Date closed not the same on all 3 bureaus Last payment date not the same on all 3 bureaus Credit limit- not the same in all 3 bureaus Late payments- reflecting on all 3 bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a fraudulent account being reported to my XXXX  credit report. I have sent numerous disputes letters to XXXX along with a police report and FTC affidavit notarized and they will not remove the account. It's a fraudulent account reported by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL. XXXX dating back XX/XX/2015.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds trasfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been unauthorized disclosures of my personal identifying information. XXXX, TransUnion and XXXX are fraudulently furnishing the information listed below. 

The information which appears on my credit report does not relate to any transaction ( s ) that I have made. 

This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. 

I did not authorize, or consent to this information. 

This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. 

This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website. If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes. 

FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me. Nonaffiliate opt-out. If the financial institution shares personal information pursuant to 313.10 ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.
Product: Vehicle loan or lease

Since XX/XX/XXXX, I've made 6 attempts to get the lease-end buyout package from Southeast Toyota Finance. I, ve leased the vehicle on XXXX and according to the lease agreement, I can buy it at the end of the lease term ( XXXX ). Southeast Toyota is giving me the runaround and kept sending me quotes of {$15000.00} or final payoff amount {$14000.00} ( tax not included ). Attached to this payoff, was a contract requesting my signature and instruction to go back to XXXX XXXX, the dealer to negotiate the tax amount. 

At the end of the lease term ( XXXX ), Toyota will have received from me {$12.00}. According to the lease agreement, I can purchase the vehicle for the amount of {$12000.00}, unfortunately not specified. The bank needs the information to process my application but Southeast Toyota Finance refused to provide me the end-lease buyer package. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my XXXX, XXXX, and XXXX credit reports ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) I have found inaccuracies. I am a victim of identity theft, so I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission. 

Boeing Employees Credit Union Acct # XXXX Opened XX/XX/XXXX Amount {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX  Acct XXXX XXXX Opened XX/XX/XXXX Amount {$1600.00} XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX Amount {$2500.00XXXX XXXX XXXX  Acct # XXXX Opened XX/XX/XXXX Amount {$3000.00}
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXX - XXXX XXXX  - XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX AND ALL NEW, OLD INQUIRES. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED.
Product: Credit reporting

Capital One was repeatedly sending me credit card applications by mail. I finally called them about what they had to offer. After calling for information, I notice that they have hit my credit report with a hard inquiry!! I NEVER AUTHORIZED THEM TO RUN A HARD INQUIRY ON MY CREDIT REPORT. I have called them several times to no avail. They just keep stonewalling me with the " too bad, so sad '' routine. 
I have read reports online of them doing that to many, many other people. Why does n't some government agency put them on the red carpet and make them stop? 

Thanks so much for your help in getting this hard inquiry removed from my credit report.
Product: Mortgage

On XX/XX/XXXX, I checked my mailbox and I received a letter from my local tax office. I have a Mortgage with Cross Country Mortgage LLC. This company has not paid all of the property tax that was owed. I closed on the home XXXX, 2021. I have an escrow account. The money should have been paid. I pay my mortgage on time every month. I have called and sent an email with the statement. I have called multiple times and went to my local tax office. Each time that I call Cross Country Mortgage, C I am being told it has went to the escalation team but there is no payment sent. This unacceptable.
Product: Checking or savings account

I was charged {$250.00} at XXXX XXXX XXXX XXXX XXXX obviously fraudulent charges. I contacted XXXX they said contact your bank so I did that and bank says not fraudulent.
Product: Debt collection

First Violation : __ Resurgent Capital Services L.P. has violated my rights under the FDCPA section 809 : __ Failure to provide validation that Resurgent Capital Servies L.P. ''current owner '' that respondent has written contractual agreement to alleged accounts and amount.__ Second Violation : XXXX_FCRA has been violated XXXX In accordance with the Fair Credit Reporting Act ( XXXX ) RESURGENT CAPITAL SERVICES Account # XXXX ( XXXX ) RESURGENT CAPITAL SERVICES Account # 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 an account without my written instructions. ]
Product: Checking or savings account

The issue is with BMO Harris online saving account Platinum Money Market. 
XX/XX/2019 I've opened the above mentioned account In terms and conditions there were no transfer limits published and i assumed that i'll be allowed to deposit or transfer funds as much as needed at any time ( subject to standard restriction 6 transactions per month ). 
XX/XX/2019 i validated linked account and submitted initial deposit it happened to be limited to XXXX. Then i tried to make another transfer and learned that any deposit or withdrawal is limited XXXX per month. So obviously this limits liquidity and freezes funds. Given this situation I've double checked with BMO Harris if they limit transfers initiated by another institution and received the answer that no limit on deposit but online withdrawals are subject to the same XXXX per month limit. I've requested to return the initial deposit and close the account as they didn't disclose critical information on the account operation terms and this doesn't fit my needs of liquid funds with competitive interest rate. They didn't complete request and just advised that account closed within first 90 days is subject to {$50.00} fee. 
In addition, XX/XX/2019 my funding account recorded transfer of funds to BMO Harris and as of XX/XX/2019 there is still no record of deposit at BMO Harris ( meanwhile the trial transactions for linking accounts go through the next day ). 
The BMO Harris practice with this account is quite dishonest and predatory for consumers - a mouse trap, you put money and then it would take some time to get them back. There are accounts which operate in such way and they should be called CD. The transfer limits are not disclosed, meanwhile this information should be on the front page of the terms and conditions as this is essential information on the account and should be visible upfront before infinite legal disclosures.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent {$570.00} through XXXX XXXX XXXX banking app using Zelle to a person claiming to be XXXX XXXX for a firearm purchase which he was then supposed to take to a Federal Firearm license holder to do a transfer across state lines. This is the law. I never received the firearm, it was never transferred. The picture of his driver 's license he sent was an obvious fake which is when I started the claims process. I started a fraud claim ( XXXX ) XX/XX/XXXX if memory serves me. XXXX XXXX has since never contacted me or responded through email or phone. I have his contact info still saved. 
His # is XXXX Email is XXXX XXXX # for his zelle account is XXXX XXXX XXXX. 
Transaction reference number is XXXX. 
I have tried going through my banks fraud department but claim was refused and said at this point it is a legal matter. I can not get any form of contact from zelle. I have spent part of the morning talking with XXXX XXXX XXXX XXXX department with no progress made and the matter not settled. I attached the conversations we had pertaining to this. I have the conversation saved. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My CD matures on XXXX. I understand maturity to mean being able to get my money back, unless I direct otherwise. TDBank refuses to comply unless I visit my branch or spend time and money in sending a notarized letter. As I am out of the country, I can not visit my branch. As I have the right to get my money back without further action, I do not want to spend effort and money to notarize a letter and rely on the international post to deliver my letter in time.
Product: Checking or savings account

Per the American Express National Bank website, I submitted a form to close two CDs early on XX/XX/2023 and was informed that it could take up to 13 business days to complete the request. It is past the 13 days and I still do not have access to my money. I have tried contacting customer service XXXX repeatedly regarding this request and have no answers. I'm not sure what is going on but I just want my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Venmo has become a utility that is difficult to operate without. Venmo canceled my service after XXXX incident where a user paid me above the weekly limit for an item. Rather than reject that payment Venmo allowed it to process and then cancelled my account. Other than that I provided all the IDs and proper account info and have been a perfect member and that one transaction was completely legitimate other than it exceeded the weekly limit unbeknownst to me.

They will not reinstate my account after multiple attempts. With such a common utility they shouldnt pick and choose favorites. I have a credit score over 800, no criminal or civil record and over a XXXX dollars in the bank. Venmo is being unfair not allowing me to use this community utility.
Product: Debt collection

Mariner Finance has been posting missed payments, due to my unemployment, to my credit reports. The missed payment reports are legitimate. However, they are reporting that my principle loan is more than double the actual amount. I have accounts with XXXX, XXXX XXXX and XXXX XXXX so when anything on my credit report changes I am immediately contacted. In early XXXX I received a notice that my loan was renewed with the principle amount of {$6800.00}. The actual amount was {$3000.00} to which I have already paid over {$1500.00} during 2018. I contacted the company on 5 different occasions about the amount they are posting. The last time I spoke with XXXX he asked if I received their court papers in the mail. At that point I stopped communication with them to wait for the court documents that I still haven't received. So they have called my sister 's cell phone twice and left messages saying I owed them money and that I was behind on payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX, of this year I sent TransUnion LLC my second dispute regarding 4 accounts which they can not verify according to the rules of the Fair Credit Reporting Act. I got a response from them on which they prepared on XX/XX/XXXX stating that they are not required to re-investigate the items I am disputing even though they never verified it in two dispute letters I sent them. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 
Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 
That is basically my issue with them. They are not following the rules set forth by the goverment.
Product: Credit reporting or other personal consumer reports

I submitted a certified letter XX/XX/2023 tracking number XXXX demanding proof of alleged debts XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX in the amount of {$5100.00} and XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX for {$15000.00} and to Validate the debt with original Purchase agreement with all parties signatures, Also I demanded that they delete all prior reporting made to any consumer reporting agencies including XXXX, XXXX, Experian, XXXX and to cease reporting any collection efforts during the validation period. Also to note the account as being disputed in the remarks section of my report. As of XX/XX/XXXX  nothing has been done to my account they are still reporting this debt with no proof or Validation that it is mine and they have ignored 2 Certified letters 2nd tracking number being # XXXX. Experian, XXXX, and XXXX all replied to my first dispute and request for validation was " item has been verified '' The E-Oscar software is not Validation or re-investigation and proof that an investigation was properly done and no proof of Purchase Agreement was supplied or the removal of debt while investigation took place.I also made them aware on the second letter that I would be filing a complaint with the CFPB and the XXXX  because they are reporting misleading information that is causing me hardship and distress not being able to purchase a home for my family. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v.Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, therefore exist.
Product: Debt collection

This debt was sent to insurance company back in 2019. I'm still being charged for it. And is showing up in collections on my credit report. I have disputed this and is not being removed. I do not owe this.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts and inquiries on my credit report, as I am a victim of identity theft. These entries were not authorized by me and should be removed under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ). The details are as follows : Fraudulent Accounts XXXX. XXXX XXXX - Account Number : XXXX o Opened : XX/XX/XXXX o Balance : {$560.00} XXXX. XXXX - Account Number : XXXX o Opened : XX/XX/XXXX o Balance : {$530.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX o Opened : XX/XX/XXXX o Balance : {$55.00} Fraudulent Inquiries XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX