23daVinci/CFPB_Complaints huggingface dataset:
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 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: Mortgage

I sent a complaint through the cfpb and still didnt get the money from them. Please check my last complaint against ditech. My complaint shows as closed but still didnt get the check from them
Product: Debt collection

After checking my CONSUMER report I noticed a few updates with companies posting there. COMENITY BANK/BOSTON STO being one of the companies. COMENITY BANK/BOSTON STO is alleging that i have an alleged debt totaling {$250.00} dollars with them. I don't recognize them, nor have I received any documentation from them. Im asking that the CFPB please investigate them and remove them from my CONSUMER report. Please ask for documents showing that I agreed to them reporting on my CONSUMER report. Thank. you
Product: Debt collection

I've been called twice by a company called XXXX XXXX XXXX. They have called me from the number ( XXXX ) XXXX, which is a Texas based number but the organization is in Ohio. 

In both calls, the organization has not identified itself as a debt collector and has threatened " further action '' against me. They've provided no information, written or verbal, regarding whatever claim they are making. 

The caller today ( XX/XX/18 ) was Mrs. XXXX. I did not get the name of the guy yesterday.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA XXXX **Subject : Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) ** Dear TRANSUNION I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX 2. A COPY OF MY CREDIT REPORT copy of my identification I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX a fake company called XXXX illegally took {$1400.00} from my Money Lion account using my virtual debit card. Somehow XXXX was able to change the phone number on my Money Lion account and access my account, even though Money Lion flagged the transaction as suspicious and per the app they stated that the charge was declined that was not true. I called Money Lion right away to report that I did not authorize my phone number being changed and I didn't authorize the charge either, Money Lion still authorized the charge. I have been fighting to get my money refunded since XX/XX/XXXX. I have submitted a police report, Identity theft report and also reported to the federal government cyber crimes of this illegal activity and Money Lion has denied my dispute 2 times telling me that there was no error and now with the XXXX submission, has still not given me at least a provisional credit. This has caused my family and I to be served with an eviction notice due to not being able to pay my rent because of Money Lion 's lack of processing my dispute properly from the beginning. I am really trying to understand how this happened without my authorization and how Money Lion can deny a dispute multiple times even though they flagged the transaction as suspicious as well as knowing I did not authorize any updates to my account. I now feel like there may be someone within Money Lion conspiring with the illegal merchant in order to fraud customers out of their money and or Money Lion just does not want to be held responsible for authorizing fraudulent activity. I need help with getting my {$1400.00} back. 

Thank you.
Product: Money transfers

On Sunday, XXXX XXXX, XXXX, I completed an international money transfer to my niece 's bank account in XXXX, XXXX through Western Union 's online website. I followed the instructions and paid for the money transfer through my bank using Wu Pay. Today, XXXX XXXX, I received a call from Western Union who needed to verify the transaction. I answered their questions, even though I questioned the need for them. When the Western Union representative asked for my date of birth, I refused to give her that information, since I fail to see what relevance this has to the transaction. She said in that case, she would cancel the transaction. I asked to speak to the supervisor. XXXX, the supervisor, said the company was authorized by law to ask these questions. I called Western Union at XXXX and XXXX ( XXXX ) gave me pretty much the same information - that Western Union was entitled to ask these questions and he confirmed that the transaction was indeed cancelled. This is a legitimate transaction and I have used Western Union several times before without any problem. My identity should not have been in question, since Western Union contacted me by email several times over the years dating back to XXXX and I have used Wu Pay before as well. I am lodging this complaint because it seems to me that the consumer has no protection or rights - answer the questions, relevant or not - or be penalized.
Product: Vehicle loan or lease

In XXXX I got into a car accident and the car was a total loss. I no longer have the car! I had owed XXXX something so I had keep paying it. I didnt want my credit to be ruin. To this day XXXX I still owe the same amount. I had called Santander so many time and they said they cant do anything about it that I need to finish paying it off.
Product: Student loan

I am having issues with AidVantage and XXXX XXXX. 

I am part of the XXXXXXXX XXXX XXXXXXXX settlement and should have received full relief by XX/XX/year>. When I contact AidVantage, they tell me my discharge is complete and I am not due any refund. I know, per the terms of the settlement, I am due a refund of all payments paid on my Federal loans. 

I received a discharge letter from XXXX last XXXX that they discharged 10 loans. I received a discharge letter from AidVantage a week ago for XXXX loans, which were from a previously closed servicer, XXXX. At this point I assume the process is complete, that is all my XXXX loans. 

I called AidVantage today to ask about my refund and they said I am not due any refund. I said yes I am still owed more than XXXX  XXXX! They said they only received a letter from XXXX  XXXX  about the 4 Conduent loans. I asked about the 10 XXXX loans, they are even reflecting on my AidVantage account! I asked when those will be refunded and they said they have not received any letter about those loans from XXXX XXXX so there is nothing they can do with those. 

So then I call XXXX XXXX and the line says unprecendented high call volume and hangs up. There is no way to speak to anyone to request these additional XXXX loans that were already XXXX be sent to AidVantage for refund. 

So then I call XXXX to see if maybe they should be issuing a refund? They say no they have no refund for me and they transferred my loans to AidVantage. 

If I can't get through to XXXX XXXX at some point, I am at a dead end.
Product: Checking or savings account

The branch manager XXXX XXXX NMLS ID : XXXX refused to service me, harassed and humiliated me. It supposed to be a simple transaction at a branch. I just wanted to make {$150.00} deposit to my checking account. I gave a teller my current California driver license and it was sufficient enough so she located me in Chase database. I have XXXX addresses and the address on Chase file is current XXXX but does match the address on my driver license. Every time I make a deposit at the same branch, I can hear the same question.. Can you verify your address? And I mentioned many many times to make a note on the file. This time I just refused to answer and said the address on file the address I have. Apparently, it was not enough to establish my identity. XXXX XXXX was right behind the teller and told me she won't service me until I verify the address with Chase. I explained my position several times and were told it is The branch internal policy to identify myself by the address. Not sure since then the State ID is not enough! I asked to show the policy in writing and XXXX declined my request. Instead, she called XXXX police department since I refused to leave. 5 minutes later I was interrogated by Sheriff and XXXX police. I feel like humiliated doing nothing wrong. I would like to have a full investigation of the incident and receive a report with the taken action against XXXX XXXX.
Product: Credit card or prepaid card

I was charged a MINIMUM INTEREST CHARGE FEE of {$2.00} on XXXX/XXXX/21. Upon talking with customer service, it appears my auto-pay did not take out sufficient funds to cover my statement balance and the associated charge was applied. I communicated that I've had autopay set up to pay my monthly statement balance for years. They did not disagree but said they were not able to remove the charge in the system.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) 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. 

Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Back in XXXX of XXXX, reached an oral settlement with Lowes/synchrony bank over a credit card dispute. 
On the check was written payment in full as per settlement. However, instead of cashing check the check was converted to an electronic format by payee. 
In XXXX of XXXX received an invoice from Lowes/Synchrony bank so sent a certified mail letter advising this was disputed and asked them to check notes of phone settlement conferences that were held in XXXX XXXX and XXXX of XXXX. 
In XXXX of XXXX XXXX and XXXX, law office sent a letter regarding this debt and they ignored the written response and have filed a complaint in magistrate court which is scheduled for next week.
Product: Debt collection

They call my office number XXXX times a day. I have informed different persons on the line a total of 4 times that the person they are trying to reach is not at that number and they need to delete the number. I have also clicked the option of " if this is not the person we are trying to reach '', but they still call. They have told me that they will delete the number, but continue to call every single day.
Product: Credit reporting or other personal consumer reports

According to my CreditKarma, XXXX, and my XXXX account, they have the wrong ( maiden and married ) last name for me. Alsoo, they have two wrong addresses that I have never ever lived at, one in my town and one several states away. Also, They've also said I own a cleaning business. Which I do not own any business, especially a cleaning business.
Product: Checking or savings account

The entire series of events is completely bizarre. First I was informed by my parents that a representative from Wells Fargo called their home requesting personal information about my account including my email. I immediately called Wells Fargo to confirm if they had in fact made this call because it was suspicious, as only my personal cell phone is on my account. Once they confirmed that it was a phishing scam, and no such call was made by their reps I was told my account was fine. About 1 hour later I received an email on X/X/2017 stating my account was being closed and that I would not receive the funds in the account until XXXX. The entire series of events was absurd and confusing because I had used the card earlier that day, and spoken with Wells Fargo in regards to the phishing scam. I now have no access to my funds and I currently have no other bank accounts. All of my money is in Wells Fargo and they are holding my money hostage. No reason was given for closing the account, it was stated that they were ending the business relationship. I would like access to my funds immediately and Wells Fargo to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 hard inquiries on my credit report that I do not recognize. I have not applied for any kind of credit since I received my truck loan in XX/XX/2019.

The 3 companies are : XXXX/XXXX  XXXX, OR XXXX  ( XXXX  ) XXXX-XXXX  XX/XX/2019 XXXX  XXXX, FL XXXX ( XXXX  ) XXXX-XXXX   XX/XX/2019 XXXX  XXXX, TX XXXX  ( XXXX  ) XXXX-XXXX  XX/XX/2019
Product: Student loan

I re enrolled on XX/XX/XXXX in the rate reduction program where I have 6 automatic payments come through. Which I electronically agreed to the same day. My first payment of {$430.00} was extracted on XX/XX/XXXX. I get a noticed this last week advising I am 60 days late. HOW is this possible when I have a agreement and the payment is already taken. Now I have a 60 day late payment across all 3 bureaus.
Product: Credit card or prepaid card

Hear the recordings I have spoken to two different persons from fraud team. One of the person was giving me wrong information with full confidence. Then I asked his manager to talk to me. Here is what is said. Everything is recorded by me and i hope they also record the conversation.

1. He said that the card will work for 45 days even if customer report that as stolen.

2. When i asked here is this information mentioned in Card agreement, he started bluffing and finally we both agreed that Amex is doing information hiding. Where they willfully hiding this information. 

So basically Amex allowed stolen credit card to work with some specific types merchants even if customer report the card was stolen. 
So as a customer notifying to amex is sufficient. 

THE MOST IMPORTANT QUESTION THEY STILL NOT ANSWERED HOW DID THE PERSON WHO STOLE MY CARD WAS ABLE TO MAKE TRANSACTION ON XXXX XXXX WHERE I ALREADY NOTIFIED to THE AMEX ON XXXX??
Product: Debt collection

On XX/XX/2021, I mailed an initial letter of debt verification to Financial Data Services in reference to the debt for XXXX XXXX in the amount of XXXX. I attached a letter of my police report stating I was not responsible for the debt, that I was a victim of identity theft, and requested verification. Financial Data responded but stated they needed a copy of my ID to verify debt and that they would contact XXXX XXXX in regards to the debt. I received no updates, but resent the letter with attached ID and information on XX/XX/2021. 

I have still not received an update at this time. I mailed another company on the same day and have verified they did receive their letter, so I know the mailing was successful.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company 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 XX/XX/year>, XX/XX/year> 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. 

This company 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 reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX XXXX and sent all required documentation Per 605c, notarized to XXXX, XXXX, and Transunion. 
The adverse information has not been blocked as requested. 
XXXX sent a response to a fraud alert that I did not request. I did not request a freeze, I did not request a dispute. 

Please comply with my request and review all documentation attached. Additional compliance training is needed in detail on how to handle a consumer who is a XXXX XXXX request to block and what is required. I would like an updated report mailed to me after compliance with my lawful request under 605c. I do not desire to be further victimized. Please comply and avoid further damage to my person.
Product: Mortgage

On XX/XX/2023 I submitted for a Loan with Navy Federal Credit union my Loan Processer was XXXX XXXX received my approval letter. I received my pre-approval letter XX/XX/2023. On XX/XX/2023 I ask for an extension because the first approval letter was getting ready to expire and I had found home that my wife and I like and wanted to purchase. It was approve also XX/XX/2023 the problem I am having with the denied loan is that I we set to get a closing day but instead was told it was denied because of a LLC that we have and last year had a lost of {$3000.00}, this information was disclose to them in the beginning before I order my home inspection and appraisal the appraisal and home inspection was accepted by the bank. I have a email from XXXX XXXX another processor ask me to submit a letter proving that LLC is close. Because that what the issue was. We gave authorization for them to pull taxes XX/XX/2023 and also sent by XXXX XXXX there down load app we sent them again XX/XX/2023 again assuring us that everything was good to go. I feel that they plenty of time to work with me about the LLC. I feel that I was
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts under my name that is a reporting inaccurately as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them Please see attached documents for these accounts i am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified TransUnion several times that I didn't authorize these companies to run my credit and also that there was no firm offer for credit either. I have asked for verification documents and TransUnion has failed numerous times to give me those documents. 

Remove these inquiries. I did not give consent for them to have access to my credit report... 

XXXX XXXXXX/XX/XXXX this account was removed due to identity theft. Remove the inquiry. 

Rise XX/XX/XXXX this account was removed for identity theft. Remove inquiry. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX this account and inquiry has been reported as identity theft and the company confirmed this with me.
Product: Checking or savings account

SECU in XXXX, NC has an employee named XXXX XXXX that stepped out of line with regards to my deceased father 's estate. She crossed the line of doing her job professionally into sticking her nose into two families ' businesses that has cost ALL of us a great deal of money. This is a complaint against both XXXX AND SECU for not handling what should have been a simple situation properly and for causing a tremendous amount of legal issues/cost that followed ( and is still going on ) because of XXXX 'XXXX  inappropriate behavior. A complaint is also being filed through XXXX.
Product: Debt collection

I have never opened any such account with Portfolio Recovery A. I also have a fraud alert on my account for past 5 years and should have been notified prior to any new account being opened.