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

Please help stop this women from stealing. My father is currently sick and he can not correct things at the bank. At least {>= $1,000,000} is mine in his account. He has money at the XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have signed documentation, but, I have no idea where the money is and the account numbers of my father. Could somene please help me with these phone thieves? I signed papers, with my father, XXXX XXXX, at the credit union in XXXX, NJ and at XXXX XXXX and XXXX XXXX. 
What is there? 


XXXX XXXX An overweight, uneducated, nail shop technician has stolen money from my beneficiary account at XXXX XXXX, XXXX XXXX   thorugh Western Union. XXXX XXXX  mentioned her name as the theft. She is continuously going into my fathers account and he is very sick. I live with my father for for 37 years, have won settlements and she is stealing too much out of the account. I should have a trust fund of abut {$5.00}, XXXX now. I am also claimed on taxes. My father does not really help me like he should since I am the reason that he has accumulated most of his money. What is the proper manner to deal with this? My phone keeps getting overheated when this woman and her friends play with it and she is causing my XXXX XXXX XXXX XXXX. At this time, she does not deserve any money and she is attemtping to kill me through XXXX  me while hacking my phone. My father nor I do not know her. It is very conplicated. I am scared I will not have any money left to use when my father passes. I might have to go to estate court or probate court and there is nothing left. Western Union even sent me a threatening message, yesterday, implying that the ceo allowed this woman to steal from my fathers account. He ( XXXX XXXX ) has about {>= $1,000,000} that I helped him make since I was injured in two accidents as a little girl. I was supposed to receive a trust as a toddler and a litte girl in XXXX - XXXX. 
I woud like to seek a bit of legal action. 

Thief ' s Address : XXXX XXXX XXXX  Her nail shop address XXXX XXXX XXXX XXXX XXXX XXXX, Georgia Where did she get all of these material possessions from? She is steaing my settlement money from Superior " Court and XXXX XXXX XXXX. These court actions happened from XXXX XXXX. I am appalled that they allowed her to steal from XXXX XXXX through Western Union. 
These men need to be fired. It is a conspiracy. I went to court and won this money with my father, XXXX XXXX. 

XXXX XXXX Sent from XXXX Mail on Android XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I ordered an indoor cycling bike from XXXX XXXX XXXX XXXX during the pandemic. The bike arrived and after assembled it did not work properly. I returned the indoor cycling bike to XXXX XXXX. Although, the bike was defective they have charged me {$890.00} for shipping and the product did not work. 

I dispute the debt in question as this is not an amount I should be responsible for since this product was defective.
Product: Credit reporting or other personal consumer reports

I received two letters that were dated in XXXX stating I was past due. One letter stated I was 35 days past due and the second letter stated I was 25 days past due. I emailed customer support XX/XX/XXXX and they responded that on XX/XX/XXXX they only received a partial payment for XXXX causing me to still owe them. I looked on my payment history and contacted the XXXX XXXX who sends a monthly payment to them of XXXX monthly and they sent me a copy of all cashed checks mailed from them and none of the amounts were for XXXX and my upgrade payment history didnt show any payment for that amount was posted to the account. I sent the copy of the transaction ledger proving they have received all full monthly payments before the XXXX of the month. They then responded saying I missed a half of a payment on two different months which was untrue. I called the support number and spoke to XXXX who said I was set up on biweekly ACH drafts and when I started making monthly payments I missed a month where I would have gotten paid 3 times in a month and I only made 2 half payments instead of 3. I asked for documentation I signed stating it was contracted I have to pay bi weekly payments. He did not provide it and said I should have a copy. I advised the Truth in Lending Disclosure I was giving does not state anything that he was implying. I also asked for a signed copy of the contract I signed and he did not provide any information other than I owe 2 half payments. I asked for a supervisor and was transferred to XXXX who advised the same information already given from XXXX. I advised this is impacting my credit negatively and he said it wasn't because they do not report until over 30 days past due and claimed I was 25 days past due because I didn't make bi weekly payments and told me I needed to send him proof it hit my credit. He said he could offer me a hardship deferment to get my account back up to date. I told him I was not behind and I asked if the calls had been recorded and he said yes. I asked if they had copies of the email correspondence and he said yes and my account had been notated.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights tc privacy and confidentiality under 15 USC 1681. 


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 turnisn a account wino my instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agencv mav make an consumer report containina an of the followina items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears 15 U.S.C. 16815-2 ( 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: Vehicle loan or lease

Reference number XXXX I've applied application with capital I'm the process I was denied my credit and my securities were mishandled according to the company 's sec filing tells other wise
Product: Debt collection

Calls at different times in th emorning, from XXXX XXXX to XXXX. Trying to collect a debt that is ten years old. Saying it is a business call and to plese hold in the line. Refusing to say from where they 're calling when i first talk to them. Refusing to stop calling after i have made clear i do not wish to be called anymore. i have paid off one account with this company and they refuse to report it to the credit bureaus
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the bellow accounts validity within my consumer report that you maintain under my name and update my report to your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be validated, DELETE from my consumer report. 

ACCOUNT : XXXX XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice. Failure to do so could constitute willful non-compliance. 
Please DELETE this erroneous, inaccurate information from my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Per the FCRA As a Federally protected Consumer I am opting out of any and all Authorizations I the consumer may have given you written or unwritten, verbal or non verbal per 15 usc 6802.

Furthermore You are reporting a Charge-off on my consumer report which is a certificate of Indebtedness, which means it is income and income can not be reported on a consumers report. Please send me a check for the amount that was charged off.

furthermore You are in violation of the the privacy act of XXXX, and you are in violation of 15 U.S. Code 1681i - Procedu
re in case of disputed accuracy ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

A copy of this report will be filed with the secretary of state and the FTC as well.
Product: Credit reporting or other personal consumer reports

I would like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] and XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX ( XXXX ]. These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information.

Account Name : US Department Of Edu Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$3800.00} Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

To Whom It May Concern, I am writing to file a formal complaint regarding Sezzles mishandling of a transaction I attempted to complete and its lack of clear disclosures about limitations when using their one-time use virtual card. 

On XX/XX/year>, I selected Sezzles one-time use virtual card to book flights through XXXX. I attempted to book flights with both XXXX XXXX and XXXX XXXX in a single transaction. However, the transaction failed, with a message stating that the card issuer ( Sezzle ) canceled the transaction. 

Upon checking my Sezzle account, I saw a pending transaction for the XXXX XXXX flight only, despite receiving cancellation notices for both XXXX XXXX and XXXX. I contacted Sezzle to address the issue and provided evidence showing that XXXX XXXX confirmed the transaction was canceled because Sezzles card declined it. Despite this, Sezzle insists I must wait for the order to either be fulfilled or canceled before they release the funds, even though the transaction is no longer valid. 

Furthermore, this situation caused a hold on the first payment of the funds in my bank account, resulting in an overdraft as I had to rebook my trip elsewhere. Sezzles failure to release the funds promptly has caused unnecessary financial hardship. 

Additionally, I discovered through this experience that Sezzles system does not properly support booking multiple airlines through platforms like XXXX. Their system treats the entire multi-airline booking as a single transaction but only processes or approves one airline, leading to failed transactions and confusion. This critical limitation is not disclosed to customers.
Product: Mortgage

I have filed a mortgage loan through LOAN DEPOT in hopes to get approved for a home that my family and I wish to purchase. The home builder company advised us to go through Loan Depot since they are the approving mortgage loan company that handles VA Home Loans. I managed to speak to a gentleman named XXXX XXXX ( NMLS # XXXX ) who happened to conduct a preapproval process but was halted since a lady named XXXX XXXX was assigned to location and the approving sales manager for the home we wish to purchase. 

I did not waste time to send the documents that XXXX XXXX requested through the LoanDepot Mortgage Loan Portal since we were on a specific timeline to get the approval for the home. I continued to monitor and contact MsXXXX XXXX XXXX  but she does not make any attempt to inform my family regarding our VA home loan status. Based on our phone conversation through XXXX and XXXX that my credit score coupled with my income meets the requirement for the pre-approval for the home and there should not be any problem of getting the home loan. 

I am submitting a help since XXXX has not contacted myself or my wife with the any information about the VA Home Loan and at this point we lost the bid for the home. She has ran my credit report already and yet she continuous to ignore my attempt to obtain an approval and disregard any attempt to communicate back to us. I have made numerous attempt to contact the company but they kept referring me back to XXXX XXXX and no one seems to want to get involved or help us with the VA Home Loan approval. 

I can not continue having another mortgage loan company to run my credit report again and go through the difficulties of purchasing a home.
Product: Debt collection

AMERICOLLECT INC. ( ON BEHALF OF XXXX XXXX XXXX XXXX ) IS TRYING TO COLLECT AND CLAIM TWO DIFFERENT AMOUNTS THAT ARE OWED ACROSS TWO DIFFERENT CREDIT REPORTING AGENCIES. 

ON THE LATEST XXXX  CREDIT FILE, AMERICOLLECT INC CLAIMS THAT A TOTAL OF USD XXXX WAS OWED AND POSTED A COLLECTION ON MY ACCOUNT FOR USD XXXX. 

I TOLD THE REPRESENTATIVES I SPOKE WITH THAT I HAVE NEVER RIDDEN IN AN AMBULANCE BEFORE AND MY IDENTITY AND MEDICAL HEALTH INSURANCE CARDS WERE LOST OR STOLEN AND SOMEONE MADE 8 ADDITIONS TO MY POLICY PLANS AND ADDED 8 ADDITIONAL DEPENDENTS BUT THE REPRESENTATIVE WAS JUST INTERESTED IN GETTING HER SHARE OF THE COMMISSION FROM THE COLLECTIONS AMOUNT. 

THE SAME COMPANY AMERICOLLECT INC REPORTED ON XXXX  THE SAME DEBT BUT FOR THE MAXIMUM OF USD XXXX INSTEAD OF USD XXXX FOR THE SAME ACCOUNT COLLECTION ON BEHALF OF XXXX XXXX XXXX XXXX. 

THEM CLAIMING TWO DIFFERENT ARBITRARY AMOUNTS UNJUSTIFIED THAT IS SO FAR APART FROM EACH OTHER ( OVER XXXX USD DIFFERENCE ) INDICATES THAT THIS COMPANY AMERICOLLECT INC IS BEING FISHY AND JUST PULLING FIGURES UP FROM THE AIR WITHOUT ANY CONCRETE BASIS OR JUSTIFICATION AND I WILL BE ATTACHING BOTH XXXX  AND XXXX DOCUMENTATION TO THE CFPB TO SHOW HOW ARBITRARY THESE COMPANIES JUST CHOOSE WHAT AMOUNT THEY WANT TO USE TO HARASS YOU TILL YOU CAVE IN AND PAY UP. 

I HOPE THE CFPB ON THE STATE ATTORNEY 'S OFFICE WILL PROSECUTE THEM CRIMINALLY FOR THEIR MISCONDUCT AND FRAUDULENT PRACTICES OF COLLECTING ARBITRARY AMOUNTS THEY CLAIMED IS OWED.
Product: Checking or savings account

On XX/XX/2022, I did XXXX XXXX transactions, {$190.00} each, through my Chase app which were errors. I contacted my local Chase department the next day and was told that the transactions could be canceled and the money should be returned to my account once the transactions were cleared. 
I called the bank 's online support on XX/XX/XXXX, and explained the situation, and asked to reject the error transactions. I filed a claim under XXXX XXXX XXXX, XX/XX/XXXX, Chase sent me a notice that they were not planning to resolve this issue or return the funds back to my account.
Product: Credit reporting or other personal consumer reports

I have a collection account on my credit reports that isn't mine. I also have many hard pull inquires that were not authorized by me.
Product: Credit reporting or other personal consumer reports

XXXX made an unauthorized inquiry on my credit XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX XX/XX/2018 File # XXXX XXXX XXXX gave me a copy Record of Application The name on the application does not match my name. The application had a different middle initial than mine. I gave EQUIFAX a copy of application that XXXX XXXX gave me. EQUIFAX have been given proof that the account is not mine and still will not take it of my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint begins with some hard inquiries I encountered on my credit report. Total of 9 hard inquiries. 

Banks that showed up on my report are : XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX In the end of the month of XXXX continuing to the beginning months of XXXX. XXXX I recently started a XXXX  business in XXXX ( XX/XX/22 ) and have not established any business credit. I believe these hard inquiries are fraud and should be taken off my credit report. I am well aware on how to manage, spend, and keep my utilizations low in order to build proper credit without applying too many unnecessary debt.
Product: Credit reporting or other personal consumer reports

Experian, the reporting agency unlawfully used principal 's personal identifying information in an unauthorized way, by committing fraud and misrepresenting principal 's intent without principal 's consent. Experian fraudulently placed the following " personal statement '' on principal 's credit report, claiming to be the principal, without the consent and authorization from principal or agent for principal, and without attempting to obtain such consent and authorization from the principal or the agent for the principal : " PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR XXXX  YEAR BEGINNING XXXX. '' This is an unlawful and gross unauthorized use of personal identifying information, in what I believe to be a long going series of discriminatory, fraudulent, false, deceptive and misleading business practices as well as privacy crimes, in order to negatively effect the principal in question 's free exercise of his rights in commerce, and to unjustly gain from keeping a certain demographic of consumers in lower scores than should actually reflect by using these said unlawful practices. 

The principal had recently notified the CFPB and reporting agencies of unauthorized inquiries on the principal 's credit report. In what I believe to be discriminatory retaliation, and what I know to be fraud, and unauthorized use of PII, instead of Experian immediately removing the unauthorized inquiry, Experian, fraudulently placed a fraud alert on the principal 's credit report without the principal 's or the principal 's agent 's consent, and wrote it from the vantage point as if the principal wrote it, and disclosed further personal identifying information of the principal without the principal 's consent. This fraud upon the principal is clear, and the fact that, Experian, did not remove the unauthorized inquiries yet, as of this notice, is further prime facie evidence deceptive practices, showing they are quicker to do an unlawful and fraudulent act, before they carry out their fiduciary duty to protect consumer 's privacy, and conduct business strictly within the intentions of the United States of America Congress Assembled, outlined in the provisions of the Fair Credit Reporting Act, and other applicable enacted statutes and regulations. 

This notice will stand as an addition to the record of the ongoing series of discriminatory events regarding Experian, and other reporting agencies involved, compiled for private action.