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

I have reached out multiple times to customer care and the CEO XXXX XXXX for assistance in removing a collections account that belongs to my exhusband. XXXX XXXX Bankruptcy court documents and a proof of claim have been provided to Equifax Dispute team multiple times and they are closing the dispute without review of the supporting documents. The erroneous account information on my credit bureau is causing a denial for my daughters student loan for college in fall 2023. 
Please assist me in Equifax reviewing the supporting documents provided and/or providing the proof that the collection account belongs on my credit bureau. Thank you
Product: Debt collection

The company LVNV ( Resurgent Capital Services ) bought this debt from XXXX XXXXXXXX XXXX 
I notified the original creditor- XXXX XXXXXXXX XXXX that the activation of the card, transaction history, and balance in full did not belong to me. Following my request to provide verification, the documents obtained proved that the debt was in fact not of my ownership. The XXXX XXXXXXXX XXXX  knowingly sold the debt to a collection agency allowing them to allocate for the full balance. My credit history has been demised, my esteem has been tarnished, and my reputation has been mocked. I'd prefer both companies remove all reports from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX 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 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: Debt collection

I received a garnishment letter from my job for Opp loans for {$1500.00} so XX/XX/20 I paid the entire loan off. My paychecks were still garnished on XX/XX/20 for {$230.00} and XX/XX/20 for {$230.00}. Even though they see the problem they keep giving me the run around about refunding my money. They haven't sent anything to my employer saying stop garnishment.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that this company made unauthorized inquiries on my personal credit report. I have listed the name of the company below, and the dates the inquiries were made. 
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: Credit card

The company did not provide accurate information. How can I make a payment when every time I try they tell me to send my ID and never approve it and everytime I call to make a payment the representatives tell me the same exact thing? I have full recordings of the conversations I had with the representative telling me several times they have to transfer me to make the payment and when transferred Im rerouted to the fraud department.
Product: Money transfer, virtual currency, or money service

On XXXX, I went into a Bank of America Financial Center and  wanted to deposit a bag of coins into my account. I had heard there was a shortage of coins nationwide so I thought I would help. I was told they would not accept the coins unless it was for a business account. I have been a Preferred Customer of theirs for many, many years. I asked how they could refuse legal U.S. currency as a deposit. They said that if I went through the trouble of wrapping the coins in rolls myself that only then would they accept them. Can they put a restriction like that on accepting legal tender? 

In years past, I had deposited coins with no problem. They would give me a large plastic bag and I would have to fill out my name account number and then they would ship it downtown to be counted, just like they do for business accounts. This time they told me to take the coins to a commercial machine available in stores and pay the 15 % charge to count them. How can they refuse legal tender for deposit just because I can't take the time to roll the coins?
Product: Credit reporting, credit repair services, or other personal consumer reports

Report inaccurate information
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debts in question. XXXX and XXXX, another credit bureaus, have already removed these late payments from these accounts from their records due to an unidentified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated them and the banks also approved of updating the status of the accounts to open/closed never late after I talked to them on the phone. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

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

I recently made an XXXX sale of {$65.00} to a buyer with a US shipping address. However, when I checked the associated PayPal transaction, I found that PayPal had charged a non-US fee rate of 4.4 % + {$0.00} instead of the US fee rate of 2.9 % + {$0.00}. The buyer had a verified US address but was allowed to use a non-US PayPal account. This situation is unacceptable because sellers have no way of assessing their net earnings if PayPal 's fee is undetermined at the time of purchase. There was no advance notice of the seller using a non-US account, so I could not have anticipated the non-US fee rate.
Product: Money transfer, virtual currency, or money service

Venmo froze my account... no explanation given. I have put several email request for an answer. It has been several days.
Product: Credit reporting

TransUnion : I filed a dispute with them against XXXX XXXX. : Account # XXXX XXXX XXXX XXXX ( XXXX XXXX ). I had insurance with XXXX XXXX. I called XXXX to have my payment date changed. And XXXX agreed and then charged me double on my next payment date. I canceled my insurance due to this with XXXX XXXX. I paid what I owed with a balance. And they still chose to over charge me. They can not show one ounce of proof that I owed anything, and they have put an item on my credit. Which I disputed and TransUnion still will not remove the item off my credit. Or show proof that the item was mine. I want this item removed immediately. 
XXXX, GA XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX  XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to build a home. I was denied and I could n't understand why however, when I pulled my credit report I understood why. I was really so upset that so many accounts were reporting on my credit report that I had no knowledge of. I did contact the creditors but they would not do anything but try and make me pay for debt that was not mine. I have written letters and still nothing has been done. Please help me. The following accounts are on my report and are not mine.  XXXX   XXXX   XXXX . This is an account that I have no knowledge of and it is not my debt! There are  XXXX   US Departme nt of Education on my credit report. These are not my accounts and I have no knowledge of these accounts.  XXXX  is also reporting twice. These are not my accounts. I work very hard to pay my debt however I refuse to pay a debt that does not belong to me. Please help me! This is a type of fraud that these creditors continue to report this false information.
Product: Money transfer, virtual currency, or money service

Dear Madam, Dear Sir On Thursday XX/XX/XXXX an international wire transfer was initiated from XXXX with the intent to transfer money into a Ally Bank account. The money was wired to the following account : Receiving Bank : XXXX XXXX XXXX Bank, XXXX. 
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX SWIFT Code or Bank Identification Code : XXXX Beneficiary Account Number : XXXX as in accordance to Ally guidelines for receiving wires from a non XXXX XXXX However, the sender of the money made an incorrect entry into the " further credit '' field which is required to correctly forward the money into the intended Ally account Correct information : XXXX XXXX XXXX XXXX Information as incorrectly entered by the sender : XXXX XXXX XXXX XXXX Further information : wired amount : XXXX ( euros ) unique transaction ID as per the sender 's bank : XXXX sender 's full name : XXXX XXXX sender 's account number : XXXX sender 's bank : XXXX XXXX XXXX XXXX All attempts of the sender 's bank to stop the transfer proved unsuccessfull. The money left the sender 's bank account. Despite obviously incorrect recepient information Ally Bank does not cooperate in the process or returning those funds. I have already submitted a complaint on XX/XX/2018. Ally Bank 's response was that the money was received on XX/XX/XXXX, rejected and returned on XX/XX/XXXX. However, until today, XX/XX/XXXX, I have not received the money back. I will attach a screenshot of my account statement as of today XX/XX/XXXX. I will attach the original transaction and Ally Bank 's response to my first complaint. 

Essentially it looks like I am being lied to as any money sent or " returned '' from US on XX/XX/XXXX should have been posted in my account long ago. This was confirmed by my XXXX bank. They have never received any funds back. They've been trying to get in touch with both XXXX and Ally Bank about this issue and did not receive a reply.
Product: Mortgage

Based on my research, I found out that my loan is a preditory loan ( Ajustable rate mortgage ), which clearly my payments are increasing without any reason or doubt and showing different figure amounts on the mortgage statement and violation is the loan pertaining to Truth n Lending and RESPA. I also found out that Ocwen is under investigation due to no consent or license filed in VA, MD, DC to collect a debt form the homeowners. Therefore I would for the third party debt collector to be investigated and Need to know who is really the secured party. the Orginial servicer showing on my Deed of Trust and the Note no longer in business since 2007.
I also Receive a document disclosed stating that Ocwen loan Servicing acting on behalf of XXXX XXXX XXXX XXXX which clearly not listed as the note holder or on my Deed of Trust. nor had any contract dealings with the company.
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 {$25000.00}, {$9500.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$32000.00}, {$20000.00}, {$400.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred while my account was open. Despite having sufficient funds when transactions were authorized. I was charged fees due to a delay in charges 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 these practices are unfair and request an investigation into my former account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I discovered an account with XXXX XXXX on my credit report, in the amount of {$2400.00}. I immediately contacted XXXX in regards to this account. I explained to them that I had not opened an account with them, and that this is a fraudulent account. The Representative with XXXX, explained to me that I needed to file a police report, forward the police report to XXXX 's fraud department, and there would be an investigation. I filed a police report with the XXXX police department and forwarded the police report to XXXX 's fraud department. After the investigation I received an email explaining that there investigation showed, I did not open this account, also that I was not responsible for the debt of {$2400.00}. This account was removed from my credit report. Myteriously this account with XXXX XXXX showed up again on my credit report via XXXX XXXX system in the amount of {$2400.00}. Once a gain I contacted XXXX wireless in regards to this debt. I spoke with XXXX a representative with XXXX XXXX, XXXX, she was unable to pull up police report. XXXX told me to resend police report. I resent police report in XXXX, XXXX and again in XX/XX/XXXX. I still have not heard from XXXX in regards to this account, it's still remains on my credit report causing big problems.
Product: Student loan

I went to XXXX XXXX University in XXXX, GA from XXXX, I took out private loans to cover the additional cost of school not knowing the difference between federal and private loans at the time because my financial advisor did not do a good job at educating me, or answering questions. There were times that this private loan would say that I owed them money but I started going to another school so it should have been deferred. In recent years, they started back calling and I would give them {$150.00} for a forbearance because they state that I only had a certain amount of years for this loan to stay deferred. Not something I was aware of but I paid the forbearance not knowing that eventually that would run out too. Now I 'm up to over $ 100K in debt with this loan and they are telling me that my forbearance time has run out and I need to pay them. When they go over my finances they see money that I do n't see so what I 'm telling them I can pay they are not accepting to it and telling me what they want me to pay. I have talk to supervisors several times who are n't willing to budge and override so that I can give them what I have. One person told me that it would be okay to give them all my money that I have and they do n't care what happens in the event of an emergency. At this point I 'm just broken because I 'm actually trying to pay on my debt and they are making it extremely difficult. Not to mention that they are so rude as if I owe them money personally.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) 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 USC Code 1681eb. 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 in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 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. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Refusal of credit to firearm related businesses. 

As a Bank of Amrica credit card holder for more than 20 years, I find it deeply troubling that Bank of America is choosing to discriminate against businesses that are legally and lawfully operating a firearm related business. I also find it deeply troubling that this company, which is part of the same industry that nearly wrecked our country 's economy in 2008 due to their greed induced mortgage practices- that required the nations largest bail out in history, are now refusing to extend credit to those businesses that meet the company 's financing underwriting but do not agree with their political views. 

I am a firearm owner, and regularly use my Bank of America credit card to complete firearm related transactions. Although, I have not yet had my card declined due to the classification of the item I am purchasing, if Bank of America can discriminate extending credit to a firearm related industry company, what would stop them from extending credit to a me, as a consumer, for a making a legal and lawful firearm related purchase?
Product: Credit reporting or other personal consumer reports

I was alerted by XXXX and Capital One stating that there is a hard inquiry on my credit report today XX/XX/year>. I called XXXX to dispute the inquiry and also called Capital One to dispute the inquiry and put a note on my account that I am not applying for a new credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are INVALID and must be REMOVED from my credit report immediately : 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 ; These accounts are showing invalid information on my credit report. If you review the type of account, the date of last reporting, the legend of showing its CO on experian but NOT reporting on XXXX or equifax, and is outdated. The account has different addresses in which I have NEVER lived. According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate I can go on and on The credit bureaus have NO respect for the law Someone needs to hold them accountable for this The credit bureaus keep them disrespecting laws. I showed them multiple times of how they are violating laws are violating the fair credit reporting act. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete the accounts that are NOT reporting correctly According to 15 USC 1681b ( 1 ) the credit bureaus dont have NO written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish information regarding the information relating to a consumer reporting agency if -- - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is in fact inaccurate I can go on and on about this Someone needs to hold them accountable for this.