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

On XX/XX/XXXX exactly at XXXX I was basically forced to withdraw XXXX $ out of my account even though I only had about XXXX XXXX a masked guy approached me next to the atm and told me that he needed help to get his money, he told me about 3 times I dont mean no harm to you I just need to get my money, as soon as I heard those words I got scared because he was masked and I didnt know wether he was armed or not, I did as he instructed me and acceded my atm using XXXX XXXX, he processed to insert a paper into the atm ( at that time I had no idea what it was ) he clicked no print and told me, now go ahead and withdraw it, so I did, handed him the money and he left, I called chase and they told me to wait for the unknown paper to clear because until it clears they cant tell me what it, since I needed that to file a police report I waited for it to clear, about XXXX days later it cleared and they told me it was a money order and I proceeded to filed a police report, also went ahead and filed a report with XXXX, they temporarily credited my account to get it back to positive since it was negative XXXX, just 2 days after filing the report they closed the case and told me the transaction was authorized, I asked how can a robbery be authorized? Their answer was that I needed to resolve it with the police and theres nothing they could do even though I was robbed at XXXX of their atms, the police is still investigating the matter and has not yet informed me if they catch the guy or not so XXXX assuming not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY address are not mine and accounts SSNs show tooltip button Only variations displayed. Select as many as apply XXXX XXXX they ss that are mine XXXX XXXX XXXX XXXX Account Number XXXX Account Type FHA Mortgage Responsibility Individual Date Opened XX/XX/XXXX Status Foreclosed. {$67000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$320000.00} Balance Updated XX/XX/XXXX Recent PaymenXXXX XXXX XXXX Monthly Payment {$0.00} Original Balance {$260000.00} Highest Balance {$0.00} Terms 33 Years On Record UntilXXXX XXXX Record Type Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolved show tooltip XX/XX/XXXX Responsibility Individual Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX filed ftc 60 days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my Equifax credit report. I have sent the company and the credit bureau letters to verify the debt and have asked that they provide me with the information they used to verify the debt. To date, no such information has been provided to me even though Equifax has stated the debt is valid and my credit file has been updated. I have advised Equifax multiple times that the debt is not mine since it can not be validated and that it needs to be deleted. I have also advised Equifax that reporting information that is not accurate is a violation of the FCRA. To date, they state the collection is valid, but have never provided me a signed copy of an agreement or any other information that validates the debt.
Product: Payday loan, title loan, or personal loan

I made an online purchase with XXXX and immediately cancelled it. I paid with QuadPay. They did refund the initial payment then debited {$1.00} from my account. There isnt supposed to be any fees if the purchase is canceled or refunded. They do not provide a phone number to contact. They have online chat only and will not respond.
Product: Credit reporting 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.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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, credit repair services, or other personal consumer reports

I sent a Method of Verification Letter to TransUnion for a alleged bankruptcy that I seen on my credit report when I checked it. First letter was delivered to TransUnion on XXXX. I got a response back from them on XXXX, saying that the bankruptcy was verified by the USBK Court. I sent a letter to the court clerk to see if they really did verify a bankruptcy for me to the credit bureaus or other third party companies such as XXXX and that letter was delivered to the clerk on XXXX. I got a response back from the clerk dated XXXX. The court clerk letter says, " The Clerk 's Office for the U.S Bankruptcy Court for the XXXX  District of Alabama is not a reporting agency to the credit bureaus. We do not actively report information ''. When I got this letter, I sent the verified by the court letter TransUnion sent me and the court letter I got from the court clerk to TransUnion and demanded deletion on XXXX. They got the letter on XXXX and I got response back from TransUnion on XXXX still saying that it is COURT VERIFIED, ( WHICH I KNOW IS A LIE, THE COURT CAN NOT VERIFY INFORMATION BECAUSE IT IS ILLEGAL ). So, I sent a letter back to TransUnion with the court clerk letter on XXXX and they received the letter on XXXX. I got another response back from them on XXXX saying that they will not reinvestigate something they already investigated and the letter said if I send proof like court letter etc. So, this is the reason I am filling a CFPB report. I have been going at it with this company since XXXX and now it is XX/XX/2021, going into XXXX. 5 months of this! They are standing firm with saying the Court verified this alleged bankruptcy and no other company.. The Court told me that they do not verify information with the credit bureaus. TransUnion has lied to me about how they got this information and I want it deleted because of the fact that they lied to me about information about me which is DIRECT violation of the Consumer Credit Reporting Act Laws. Again, They are standing firm on the court verifying this alleged bankruptcy and the court told me NO they do not do what TransUnion is saying that the court has did. So, I am filling a CFPB report to help get this alleged bankruptcy deleted off of my credit report on the basis of TransUnion lying to me. How can a company lie to me about how they got my information? I do not understand! I sent all of my letters certified from the post office.
Product: Debt collection

I was in the XXXX in XXXX ( from XXXX to XXXX ) on a XXXX XXXX, Work and travel program. During this period I applied for XXXX because my employer said so. After the program ended - I returned to my country, XXXX. Now I am in the U.S. on a XXXX XXXX  in the status of XXXX, because there is a war in my country. I returned to the USA on XX/XX/XXXX. 

After that I received letters from debt collectors about existing debts, I disputed them and they closed those debts. 
After that I installed the credit karma app and there I found XXXX more debts under my name that are not mine. XXXX I had already disputed and was left with a debt from Spring oaks capital llc collectors for {$9200.00} which was opened on XX/XX/XXXX. I couldn't open it because I wasn't even in the US at the time
Product: Debt collection

This collection company continues to misrepresent the age of this debit. This account initially was delinquent with XXXX in XXXX. They are reporting that the debit was from XX/XX/XXXX to XXXX. XX/XX/XXXX I have a statement that represents that at was at the very least 6-month delinquent. They are not reporting an initial account date with XXXX just that this debit was opened with them in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD FILED WITH CFPB ON XX/XX/XXXX19 TO HAVE THE LISTED ACCOUNTS DELETED BY STATING THAT THESE ACCOUNTS WERE " NOT MINE '' AND I UPLOADED MY IDENTITY THEFT REPORT. PRIOR TO XX/XX/2019 I HAD DISPUTED THESE SAME ACCOUNTS AND SUPPLIED AN IDENTITY THEFT REPORT BUT I HAVE NOT RECEIVED INVESTIGATIVE RESULTS REPORTS FROM XXXX, TRANS UNION OR XXXX. 

THIS IS THE THIRD ATTEMPT TO DISPUTE THESE FRAUDULENT ACCOUNTS AND I HAVE ATTACHED MY IDENTITY THEFT POLICE REPORT.
Product: Credit card or prepaid card

In 2013 my wife and I went to a resort called XXXX XXXX in XXXX. I already had a time share with Wyndham resorts  which I still currently own. A salesperson at XXXX XXXX XXXX, during a presentation, led us to believe that XXXX XXXX would buy out current contract with Wyndham Resorts which was completely fraudulent. We had to open up credit card with Barclays Bank Delaware ( Barclaycard ) to facilitate transaction. Upon return I found out that the claim of buying out my contract was fraudulent so I contacted Barclays and sent them handwritten note from salesperson XXXX  ( no last name ) to that fact. They did not investigate and turned account over to collections. I retained an attorney who on my behalf threatened to file suit and they agreed to discharge debt. I attempted to file suit against XXXX XXXX in XXXX, but, since international, decided not to pursue. I always have had excellent payment records but for this. I believe Barclays did not take the fraudulent claim into account and did not investigate because of their affiliation with XXXX XXXX. Since account has been discharged without prejudice I would like these late payments to be annulled from my credit and my good credit should be restored.
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing number:XXXX ; an account numberXXXX. My account was frozen for zero reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked inaccurate XXXX XXXX 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

My Capital one bank360 Spark business checking has a balance of negative $ - XXXX and my savings has only XXXX cents my transfer deposits XX/XX/XXXX {$1500.00} and same time anorher {$1500.00} deposit to my business checking totaling to {$3000.00} but because of the negative {$220.00} balance posted Reduced which i expect to {$2700.00} they hold my account force me to call the bank and told me they gon na closed my business checking and they will send my checking account balance through a check. Then XXXX I deposited {$770.00} and {$400.00} into my savings account after they Closed my checking account for some reason savings account balance was {$1700.00} and stays the same for months by XX/XX/2022 I am withdrawing {$1700.00} but I type in wrong amount I typed in {$1100.00} instead of {$1700.00} so I quickly hit withdraw again entering {$600.00} XXXX this but at the same time the screen of my phone is as someone controlling the system and sudden cause which kead to disappearance of my {$600.00} XXXX dollars and when I called... they lie by saying my total balance is only {$1100.00} surely it's a lie because it's been {$1700.00}. For months XXXX XXXX XXXX I know for the fact of countless log in log out and it is my money period .I know how much my saving they stole the {$600.00} it disappeared in front me while in a process of my XXXX withdrawal seconds apart from the first attempt was a success withdrawal but wrong amount while I was in the process of transferring {$600.00} XXXX this XXXX time remember the first withdrawal was a success but I put in the wrong amount and in the XXXX withdrawal suddenly it disappeared the amount you can't find any traces of {$600.00} is gone. They stole it honestly saying here in CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a medical debt on my credit report that does not belong to me, i have not seen or had this debt
Product: Credit reporting or other personal consumer reports

The company is Experian. I have tried for XXXX days using different numbers to tell them that my account has been hacked. I know this because my monitoring company XXXX XXXX sent me an alert stating that my credit freeze had been unlocked. I tried to go on the website, but it didn't recognize my login information, so I requested a code to change my password and the computer 's response was they didn't recognize my email address or phone number. I want to get this corrected but there doesn't seem to be a way other than mail correspondence which could take XXXX or more days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC, the company below has used my credit report illegally for collection which is not my account and damaged my credit score. This account appeared on Experian credit report as of XX/XX/22 in the amount of XXXX XXXX XXXX account # XXXX
Product: Debt collection

XXXX XXXX XXXX. 

I placed two complaints - see CFPB complaint # XXXX and # XXXX. 

This was debt was removed from my XXXX credit report - and has not been removed from my XXXX Credit report. I'd like it removed immediately. Thanks in advance!
Product: Payday loan, title loan, or personal loan

On or about XXXX XXXX, 2017, I initiated a loan application for a loan from Moneylion.com after the company approved my application I was approved and the payment terms were set at {$37.00} per pay period and a {$99.00}, on the XXXX of each month, for a subscription fee. The company requested my payments be made via ACH draft. Therefore, I provided my XXXX XXXX routing and checking account number. After making a few payments, I elected to pay the loan off on my upcoming pay period. Therefore, On XXXX XXXX, 2017, I emailed a letter to Moneylion 's customer service team revoking the ACH debit or any type of access to my XXXX checking account. On XXXX XXXX, 2017, I received a response from XXXX stating the ACH revocation would be honored. On XXXX XXXX, 2017, I logged on to my account and noticed an overdraft due to a {$99.00} ACH from Moneylion.
Product: Money transfer, virtual currency, or money service

I wrote a check paying a laborer. The recipient presented the check to the bank where my account is held. The bank charged the recipient a fee to cash the check.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX  XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$470.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX {$140000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXXXXXX {$950.00XXXX XXXX XXXX XXXX  XXXX {$710.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Product: Vehicle loan or lease

I financed my car through Volkswagen credit in XXXX in XXXX County Georgia. I am XXXX XXXX military and when I attempted to register my Vehicle in Texas ( new duty station ) I was told I needed a copy of my title. 

I contacted Volkswagen credit in XXXX requesting a copy of my title for registration. They told me that the title was a digital copy and would take 20 business days to process. I called back on the XXXX ( XXXX ) business day for an update. They told me that there was a hold on my account in Georgia that needed to be removed and that it would now take another 20 business days to receive the title. I called again on the XXXX business ( XXXX ) for an update. They stated that they had not requested the title to be sent yet and it would take another 20 business days. I called again on the XXXX business day ( XXXX ) and still no one has any idea where the title is. I confirmed with the Georgia DMV that they sent it to Volkswagen credit XXXX XX/XX/XXXX. I have called VW credit every week since asking for an update and am either hung up on, told they will call me back ( they never do ), or asked to give them more time. 

Additionally, as previously stated I am XXXX XXXX military and just XXXX XXXX from XXXX  to XXXX  State. I was told I can not close out my travel voucher ( est. {$4000.00} in reimbursement ) until I am able to register my car ( which has been unregistered for months now ). 

Bottom line, I just need help. I have waited 4 months and spent at least 16 hours on the phone to get a copy of this title ... all just to register my vehicle. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries and collection accounts
Product: Credit reporting or other personal consumer reports

Capital One Auto has Breach of Contract of a Cease and Desist order that is currently in place Fair Credit Reporting Act ( FCRA ) in the United States. This act regulates how consumer information is collected, shared, and reported, including transaction history. It protects consumers by ensuring that their financial data is accurate and that they have rights to dispute inaccuracies. Additionally, certain privacy laws may restrict the sharing of transaction details without consent. 15 U.S.C. 6802 violation and reporting transaction history to credit reporting agencies such as XXXX, XXXX XXXX are not affiliates and are considered third party agencies Also they are starting they have lien on vehicle when the UCC 11 search for Texas shows no lien under my name for a lien to be valid and enforceable, it typically must be recorded or filed with the appropriate governmental authority, such as a county clerk or recorder 's office. This process makes the lien a matter of public record, which informs other potential creditors and parties about the claim against the property. which no exists I have certified UCC 11 document from XXXX of XXXX Texas
Product: Debt collection

Rude and continued to talk over me while explaining that I was at work and would not discuss the matter. Continued talking then made rude comments that he isnt the one who didnt pay their bills and he didnt care about my issue. 

Each time I stated I was at work, he continued talking over me and was rude. I do not know how they even found my work number because I do not write it down nor call it. 

In addition, I looked the number up and it was a personal phone number used not a business and I am concerned this person has my information and may not be secured. I did not verify any information except that the company in question refused my payments I was making when I was unemployed and had no money.
Product: Checking or savings account

My account has been locked for 3 weeks because of changes that I did not make I filed a claim as soon as I saw the charges. Most of them from different states, California, Arizona, New Mexico. I live in Oklahoma. They told me my account would be locked for 7-10 business days, 3 weeks ago, I have called and no one will help me. I have emailed and Im being told that I just have to wait even though it has been over the 7-10 business days
Product: Credit reporting or other personal consumer reports

Submitting a complaint - credit reporting -Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Bank account or service

i was charged XXXX in overdraft fees for XXXX transactions ( totalling {$20.00} for all XXXX ) due to the banks ATM machine not accepting my cash deposit. I was basically called a liar and advised that people before and after me were able to make cash and check depositis without any problem. I told them they should check the video footage then and they 'd see i had a problem. waiver request was denied. i did n't have access to the internet to do an electronic transfer and the ATM that i knew of ... i would n't have made it there by the XXXX cutoff.