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

EQUIFAX  IS  IN  WILLFULL  VIOLATION  UNDER  15 USC 1681e -  COMPLIANCE PROCEDURES.  EQUIFAX  HAS  BEEN  GIVEN  PROPER  NOTICE  OF  THEIR VIOLATI  ON  AND  CONTINUE  TO  PLAY  CHILDISH  GAMES  AND  PROLONG  THEIR   GRAVE  DUTIES  AND  OBLIGATIONS.  EQUIFAX  WAS  REQUESTED  TO EXERCISE  THEIR  GRAVE  DUTIES  AND  FCRA  OBLIGATIONS  UNDER  15 USC 1681a(1)(2) - EXCLUSIONS -- AND  REMOVE   ALL  TRANSACTIONAL  ACCOUNTS THAT   CONGRESS  HAS  DEMANDED  BE  REMOVED  UNDER  THIS  PROVISION. UNDER  THIS  PROVISION. EQUIFAX  HAS  INSTEAD  SENT  A  LETTER  STATING  THAT  THEY  COULD  NOT  VERIFY  ME  WHEN  IN  FACT  IT  IS  A  STALL  TACTIC  BECAUSE  EQUIFAX  WAS  GIVEN  PROPER  VERIFIABLE  DOCUMENTS  LIKE  MY  LICENSE  AND  A  BILL.  EQUIFAX  IS  CHOOSING  TO  NOT  PERFORM  ITS  DUTIES  WITH  REGARD  AND  RESPECT  TO  THE  CONSUMER  AND  IS  WILLFULLY  VIOLATING  FCRA  REQUIREMENTS.  EQUIFAX  HAS  ALSO  COMMITTED  FRAUD  BY  FURNISHING  TRANSACTIONAL  ACCOUNTS    THAT  HAVE  BEEN  CHARGED  OFF  AND  WRITTEN  OFF  WHICH  IS  AGAISNT  FEDERAL  COURT  CASE  LAW  RULING  Mund v. Transunion Persinger v. Sw. Credit Sys  WHERE  IT  WAS  RULED  ACCOUNTS  THAT  HAVE  BEEN  CHARGED  OFF  SHALL  NOT  BE  REPORTED  FOR  THE  DEBT  NO  LONGER  IS  OWED  BY  THE  CONSUMER.  EQUIFAX  HAS  STATED  THE  ACCOUNTS  MEET  FCRA REQUIREMENTS  SO  I  DEMAND  EQUIFAX  PORVIDE  SUCH  REQUIREMENT  STANDARDS  IN  RELATION  TO  15  USC  1681a(1)(2)  AND  15  USC  1681e.  EQUIFAX  IS  AN  ELABORATE  MECHANISM  THAT  ASSUMED  ITS  ROLL  TO  REPORT  NEGATIVE  TRANSACTIONAL  INFORMATION  ON  MY  CONSUMER  REPORT   THAT  CONGRESS  DEMANDS  NOT  BE  REPORTED  AND  HAS  ALSO  COMMITTED  FRAUD  BY  REPORTING  COLLECTION  INFORMATION  WHICH  IS ALSO A VIOLATION  UNDER  THE  FCRA  AND  FEDERAL  COURT  CASE  LAW   AND  CLAIMS  IT  MEETS  FCRA  REQUIREMENTS  IN  HOPES  TO  TRICK  AND  LIE  TO  THE  CONSUMER  AND  C.F.P.B.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXXXXXX XXXX XXXX XXXX - I had a XXXXXXXX XXXX XXXX  with account number XXXX. The account has no balance and is closed, but XXXXXXXX XXXX XXXX is showing the account as open with a balance. I have reported this to XXXX over the last year, and their CUSTOMER SERVICE has stated nothing but lies. They keep telling me that the account is closed with XXXX balance, but they keep reporting as open with a balance on my credit report. They are aware of the situation as I called them at least 24 times over the last 12 months. I also filed disputes with Experian, but XXXX reports to Experian that the false account information is valid. XXXXXXXX XXXX XXXX is not removing false information from my credit report and counting fraud against me by reporting false information. Please sanction XXXXXXXX XXXX XXXX for their false information on my credit report. They are violating federal law by submitting false information and refusing to correct the information. I have emails from the company that go back at least a year about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries from XXXX XXXX dated for XX/XX/XXXX and XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are unauthorized inquiries and I also have no account or do business with this lender please remove from my credit report these inquiries are hindering my well being and score. I would also like you to remove all names and addresses different from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXX.I have became a victim of fraud with accounts and personal information used to get credit in my name a account XXXX XXXX XX/XX/XXXX XXXX bal {$4900.00} I have also attached the report that was made ID.gov .Please remove all incorrect info.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX marked my account as a late payment According to 15 U.S.C 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

please help correct this error which is a clear violation of my consumer rights XXXX XXXX XXXX XXXX payments {$48000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Auto Loan Date opened XX/XX/XXXX Open/closed Open Status Open. {$230.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$48000.00} Balance updated XX/XX/XXXX Original balance {$48000.00} Paid off 1 % Monthly payment {$830.00} Last Payment Date XX/XX/XXXX Past due amount {$230.00} Terms 84 Months Responsibility Individual Your statement-
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a funds transfer using Xoom ( XXXX ) pulling from my checking account on record with XXXX to a checking account ( XXXX  ) in XXXX XXXX for {$500.00}. The transaction was initially delayed then canceled without reason. The transaction number is XXXX. I called a XXXX XXXXep to get a reason for the cancelation and was asked lots of questions about my reasons for making the transfer ( making me feel a bit criminal ). I was then told that the case would need to go to " compliance '' for a security review. I am am frustrated that Xoom doesn't engage in due diligence up front ( i.e. collecting documentation such as Passport, ID etc. ) before allowing transactions to be completed in the portal. This process an others in recent weeks with XXXX have caused me to loose valuable time on " Chats '' with customer service trying to link checking accounts and responding to denials of transfers. Viewing complaints in the XXXX XXXX XXXX  I see scores of similar complaints about Xoom where transfers are summerily declined or held up for relatively small amounts ( attaching screenshots ). I am also seeing lots of complaints about Xoom where funds are delayed in reaching recipients oversees. 

These delays can make a big difference if exchange rates change once funds are finally released. 

There is a pervasive trend of lack of transparency with money transfer accounts with XXXX. 

Further, XXXX is not up front about changes to accounts ( rules around cash accounts ) to consumers wondering why an account that they've held since XXXX is suddenly getting all kinds of scrutiny ( balance less than {$300.00} ) as if it's a money laundering opperation. 

I've attached an example of another customer experience similar to mine using Xoom. 

Small funds from a USA perspective are desperately needed by folks around the world especially in areas suffering from COVID like XXXX and XXXX XXXX. These remittances are life-saving in some cases. Having funds delayed is both shoddy business but it's not just. 

XXXX corporations will likely be the subject of increasing complaints unless regulation is placed top keep them from holding consumer funds unnecessarily.
Product: Checking or savings account

I have contact well fargo and transaction made online on my debit card over XXXX $ and welfargo denied my claim i dont made purchases online I only purchase to the store only I need them to do something about it they can denied my claim over XXXX thats a lot of money to be denied they need to reimburse me the money
Product: Credit card or prepaid card

I went to a cash maching to use a card from One Main Financial to get {$500.00}. It was a XXXX XXXX machine, the machine said the cash transaction was declined or was unable to be processed. Though the cash was never dispensed - the charge went on my card anyway. 

I called XXXX, the ATM service provider, and One Main.  They all blamed each other and nobody would refund my money. I filed a dispute with One Main and they said it would take 10+ days. In the mean time I am out {$500.00}. One Main states they are acting on my behalf to resolve the situation but will not provide me with any documentation on what they are doing. I said if they are acting on my behalf they must provide me with the information on their efforts to resolve the situation - I was very clear with the representative and she refused and when asked several more times, I made clear what I was asking for - she continued to refuse. 

XXXX and One Main are both pointing the finger at each other and nobody cares that they took ( basically theft ) {$500.00} from me.
Product: Credit card or prepaid card

Right before the pandemic launched, I lost my XXXX American Express credit card and was waiting for a new card to come in the mail in XXXX of 2019. The card was sent priority mail and delivered to my front door. Someone stole the card and attempted to withdraw cash at an ATM ( per American Express ). This now has an open balance which is fraudulent and should be disputed. Then, I received an email stating I was approved for the XXXX American Express credit card that I did not apply for in XX/XX/XXXX  2019. Again, in XXXX of 2019 I received a letter in the mail stating I had applied for the XXXX XXXX American Express credit card, but I had not applied for this. I called American Express and reported all three instances immediately. I have followed up NUMEROUS times with employees hanging up in my face and NO RESOLUTION to date including details around the identity theft. This negatively impacted my credit score and I was unable to secure housing due to the derogatory remarks. I am now a victim of identity theft and am still waiting to hear back from American Express.
Product: Money transfer, virtual currency, or money service

I was selling an item in a private XXXX group. I had an interested buyer who called me via XXXX XXXX. We were making the transaction through XXXX. The gentleman sent a screen shot of the payment he claimed to make. I didn't receive the payment to my XXXX account. I then received an email from what appeared to be XXXX. It was very authentic. It stated the gentleman needed to deposit more money because he had a business account and that I needed to update my account. Another email followed stating I needed to deposit {$300.00} in order for the {$250.00} would be released to me. It all seemed strange because I'd used XXXX many times but again, the emails looked extremely authentic. The entire time the gentleman was on the phone with me. He sent another screen shot of an amount he claimed he was told deposit. I did deposit the {$300.00} and received an email from XXXX stating it had been received however, I still had not received the money I was owed. A fee minutes later another email comes through stating that I needed to deposit more money at this point I knew something wasn't right. I told the gentleman I would call my bank to figure this out. I hung up on the gentleman and I called my bank and I was told I had been scammed. We tried to reverse the payment but couldn't. My bank then connected me to the fraud department. I told them what happened and that I had all emails and messages from the gentleman. The entire time he kept trying to call me and and has still sends messages. I received a letter today from my bank stating that there was nothing they could do and that my case had been resolved. I called my bank for answers. I was told because it was authorized even though it was a scam l, they were not responsible. I told them that XXXX is used through the bank and the scammed clearly have some knowledge of XXXX and have pretty authentic emails that appear to come from XXXX. The Customer Service representative told me I should be thankful that it was ONLY {$300.00} when other customers have lost thousands!
Product: Credit reporting

I have over XXXX inquiries on my Equifax credit report. 
unauthorized use of my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked   XXXX   XXXX   and there is a hard inquiry fr om Cbna ( R etail, Not Elsewhere Classified ) on    XXXX   XXXX   XXXX  .  I never authorized a credit check for anybody in the past 2 years. it is showing up on my   XXXX   report
Product: Credit card

XXXX XXXX charged me a cleaning fee of {$270.00} because they claimed I smoked in their room. I have not smoked in 19 years and most definitely did not smoke in their room on that occasion. I filed a dispute with my Citi card and they temporarily gave me a credit while they investigated. After a few weeks they sided with the merchant and reinstated the {$270.00} charge. 
I quite simply do not think I should pay for something I did n't do. 
I have been a Citi card holder for 30 years but I immediately cancelled my card. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due too lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal or similar practices, we're transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I use bill pay regularly on my windows computer. Same computer I've always used. I use XXXXXXXX XXXX  ( and have tried XXXX XXXX as an alternate ). I can log into my online banking, however when I go to the bill pay section I get an error : " Something went wrong. We were unable to process your request. For help, visit a regions branch or call us at XXXX. '' This problem started on XX/XX/21 as we we were going through our bill pay payees and verifying what bill pay have been cashed or not by comparing them to our online transactions and/or bank statements. All of a sudden it stopped giving us access and gave us that message. We have updated the browser, clear cache/cookies, shut down and restart the computer, none of that worked. I called the XXXX number and put in a ticket. I also went into the branch and was able to see my bill pay profile on the bank 's window computer. I put in another ticket with them ticket XXXX. All in all, I should be able to access bill pay on any computer but specifically the same computer I always use using the XXXX address or internet service provider etc. My username is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$8800.00} -This is not my account.
Product: Checking or savings account

Account was withdrawn in the amount of {$580.00} due to fraudulent XXXX XXXX transaction. Disputed with Navy Federal, refused because is considered a cash transaction. 

This is fraud. I am undergoing health issues and have been homebound. Do not know the persons who money was transferred to. This is causing financial distress, was unable to pay car note. 

I have since closed XXXX XXXX, received a new debit card and frozen Credit Bureaus. Already had fraud alert on the account. 

My banking history does not support such a transaction.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name, XXXX XXXX XXXX  with account number ending in XXXX has violated my rights 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 was getting ready to dispute this account because it after the statue and all three reports didn't have the same information and had talked to a XXXX XXXX XXXX XXXX XXXX and was lied to and he never explained my rights and that i could do all of this on my own for free and he only convinced me to pay him and the debt had to sign up with auto pay and i informed him when i educated myself on the law, found out i was scammed and he had already contacted them before the payment he took and forced the statue to start all over and costed me unnecessary money and stress. I caught him and demanded a refund and told him i wanted to cancel and would take care of it myself. 
In accordance to the the FDCPA my rights were violated and then had to deal with the vultures calling me from over 20 different phone numbers harassing me and rude as can be.
Product: Credit reporting or other personal consumer reports

I was alerted today that I received a hard inquiry on my credit report from Capital One. I have not opened or created any account with them. I called Capital One and was verified by my Social Security Number and DOB. They then asked for my name and account number. I gave them my name and they said my account was associated with someone else 's name. I have no account number. They would not provide any further information and hung up on me. I have put a freeze and identity alert on my accounts with XXXX, XXXX, and XXXX. To dispute an inquiry, I need Capital One to alert them there is a problem and they will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX  _ {$770.00} XXXX XXXX XXXX  _ {$1100.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Experian Credit Bureau a few times to get them to correct my personal information and they keep sending me incorrect information.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$29000.00} ; XXXXXXXX XXXX  XXXX Balance : {$5200.00} ; XXXX XXXX XXXX : {$0.00}.
Product: Debt collection

There was an outstanding bill, i was infomred fro XXXX! Wife and i never was informed this this Collection company " XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Tele ( XXXX ) XXXX XXXX. My wife handled this transaction, the debt was a settlted amount from XXXX and settled at XXXX or so dollars. My wife asked XXXX sperate occasssion of this conversation of the paid agreement that the debt would not, l be placed on my credit as part of the agreement the agent agreed and applied with the settlement. I ordeerd and credit report this XX/XX/XXXX. I called said Company " Credit Collections '' when i explained to the First Customer Service agent about the agreement she indicated that they dont make those type of agreements, but she would file a claim for the supervisior to investigage. I called the Next day the supersior says that company doesnt negiotiate, credit file removals. I request the hear the file i was informed that i would have to file a subponea. file number XXXX.