23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I bought a Western Union money order from XXXX super market to pay my rent. i went directly from XXXX to my rental office and drop off the money order. Three days after the rental office called me and told me that the money order has a hold on it. I called western union and they had me going around in circles for the entire day until i start crying on the phone before someone decides to help me. The money orders that i bought is a total of XXXX and they accept the one for XXXX and placed a hold on the three for XXXX. My rental office is sending me on eviction and requesting a late payments with other fees meanwhile western union is placing such a inconvenience in my life. They told me i have to wait 30 days for the money to return to me. I have no other means to pay my rental office. i need help as soon as possible.
Product: Credit card or prepaid card

there is a charge I didn't authorize for XX/XX/XXXXXXXX for {$54.00}. this is being done by a supervisor in disputes that has been revising disputes on my account and charging my accounts and compromising my cards. Im going to go into a branch this morning and change my account numbers and credit card number since it's fraud on my account and customer service with navy federal is doing nothing. Im writing because I want this charge of XXXX removed and disputed and new account numbers given to me to secure my account. ive written the security department about this discrimination and no one is responding. this is being done to attempt to damage my credit with these unauthorized transactions. I am being discriminated against because of my race and background. this is fraud and I'm being discriminated against by this supervisor in navy federal in disputes that has access to my account information and keeps placing invalid transactions on my account as an attempt to get me to close my accounts and negatively effect my credit score which im trying to prevent. This is a free country and my first amendment gives right to free speech. I didn't violate any terms of navy federal and can not reach anyone in security to unblock my access to services on my accounts. I'll be going into the branch Monday morning. please remove this charge and investigate this supervisor at navy federal that is clearly a XX/XX/XXXX and a XXXX
Product: Credit reporting or other personal consumer reports

On my credit report with Equifax it shows XXXX XXXX  with 1 late payment from XXXX XXXX XXXX with 2 late payments from XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, these creditors has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I sent a dispute letter in XX/XX/scrub> 2024 and also say multiple dispute letters and never got anything from them. Just say it was verified but nothing that prove it was verified to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair credit reporting act EQUIFAX has violated my rights. 15 u.s.c 1681 section 602 A. States i have the right to privacy 15 u.sc. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

PLEASE SEE DOCUMETS I OBTAIN FROM THE COURTS STATING THAT THEY DID NOT FURNISH ANY BANKRUPTCY ON MY REPORT. 

EQUIFAX HAS YET TO RESPOND CERTIFEID MAIL # XXXX SENT XX/XX/XXXX DELIVERED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Accounts # XXXX and XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

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

Transunion intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities  claim. 

Repeated requests to provide methods of accuracy & verification used by Transunion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail requesting a reinvestigation and the Method of Verification for a bankruptcy on my credit profile. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). The credit bureaus has been non-compliant and didnt complete the dispute in 30 days. I further remind the credit bureaus, as in Wenger v. TransUnion  Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to you today regarding the permanent limitation of my PayPal account with the email address XXXX. I am deeply concerned about this decision as I believe that it was made in error and that I have not violated any PayPal policies. 

First and foremost, I want to emphasize that I have always acted in compliance with PayPal 's terms of service and have never engaged in any activities that could be considered fraudulent or abusive. Therefore, I believe that the limitation of my account is unjustified. 

I respectfully request that PayPal re-investigate my case and restore my account if possible. I would be happy to provide any additional information or documentation that may be required to resolve this issue. I am confident that a thorough review of my account activity will show that I have always acted in good faith and with the best interests of PayPal and its users in mind. 

I understand that PayPal has a duty to protect its platform and users from fraudulent activities, and I fully support these efforts. However, I believe that in this instance, my account was unjustly limited, and I am seeking a fair and impartial review of my case. 

Thank you for your attention to this matter, and I hope to hear from you soon regarding the outcome of the review. 

Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

On XX/XX/XXXX I received a Chase Freedom Unlimited card in the mail. It was forwarded from my old address since I moved in XX/XX/XXXX which caused a delay in my receiving it. I also received a letter from them dated XX/XX/XXXX stating that I needed to call prior to XX/XX/XXXX to cancel the balance transfer of {$13000.00}. Due to the delay this date was already passed. I immediately called and reported this as a fraudulent account as I hadn't requested this card or the balance transfer. Chase stated they would look into it. I heard nothing from them until XX/XX/XXXX when they sent a letter stating they looked into it and they believe it is my account. I called again and told them it was fraudulent and asked them to look into it again. I also filed an identity theft report with the FTC and a police report at the same time. Chase stated that the balance transfer went to my Bank XXXX XXXX card. I have a Bank XXXX XXXX card, but it is not the same as the one the balance transfer went to. I sent a letter to Chase on XX/XX/XXXX requesting this account be closed and removed from my credit report. I filed a dispute with XXXX on XX/XX/XXXX. I received another letter from Chase on XX/XX/XXXX stating they still believed it was a valid account. I called them again to say it was still a fraudulent account. Their fraud division called me on XX/XX/XXXX and asked for my XXXX XXXX XXXX statements to prove I hadn't received the balance transfer on my card. I emailed my XXXX XXXX XXXX statements to them showing that no balance transfer had gone to my card. The amount transferred was higher than the limit on my card and significantly higher than any amount I have ever owed on that card. I also included a copy of my credit report showing that I do not have any other Bank XXXX XXXX accounts. This should be everything they need to show I didn't start this account or receive the balance transfer that the account was used for. On XX/XX/XXXX I was emailed from XXXX showing that they had removed the Chase account from my credit report because they found it to be a fraudulent account. I also received a letter from Chase stating that they still believe I am responsible for this account despite me sending proof that I am not.
Product: Bank account or service

I have had a checking account with Wells Fargo Bank for a few months and signed up to their overdraft protection. They charged me overdraft fees that they were not supposed to charge and I already filed a complaint with your department about that issue. After they received your complaint, they removed XXXX of the fees. I immediately told them that I wanted to close my account since I do not want to do business with a bank that charges me fraudulent overdraft fees and they now say that I can not close the account since it has a balance that I owe. To be in good faith and so that my record would n't get affected, I stated to them that I would pay them {$25.00} per month. Now I hear in the news as of today, XXXX/XXXX/15, that there is a class action lawsuit in XXXX XXXX XXXX against Wells Fargo bank for charging overdraft fees and other types of fees to their customers illegally. I called them today and stated that I will discuss the matter with an attorney before making any kind of payments since I feel that the amount/fees they are charging me are also illegal like it states in the lawsuit. They stated to me that if I do not pay the whole balance in full immediately they will close my account and it will affect my records. I want to be able to close the account, not them, and I had already made payment arrangements and they would not allow me to close the account myself. I believe they just want to put all this bad reporting on my record in retaliation since I filed a previous complaint with your department.
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After reviewing my credit record, I found instances of late payments. Despite sending letters over XXXX  days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly ask for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

According to 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 an account without my written instructions. Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS. ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report. Also, 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 information 15 USC 6802. Nonpublic information means- personally identifiable financial information provided by a consumer to a financial institution resulting from a any transaction with the consumer or any service performed for the consumer 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 : " As a financial institution, [ Furnisher of Information to Credit Agencies ] must adhere to these obligations. My financial history on XXXX, Equifax, XXXX XXXX is not public information and should not be furnished on my credit report. Please remove all transactional history including payment history, any late payments, utilization rate ( should say paid as agreed ) etc. Thank you for understanding and your compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX {$600.00} No contract with creditor you have already had this removed and it reapperared as same account under new name. 
Unauthorized inquiry XXXX XXXX V/S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Paypal contacted me ( email & phone ) telling me that I owe them {$1400.00}. They insist I sent {$350.00} each to XXXX individuals (? ) through paypal & that I owe them the money. I never sent any money to anybody online, let alone XXXX. I did not purchase any item at such amounts online either. I told them I did not make that transaction they allege but they insist that I owe them money. Now I received a letter from a collection agency demanding my payment of {$1400.00}.
Product: Credit reporting or other personal consumer reports

I strongly desire not to have this on my credit report. It is not belong to me. It is fraud! 

I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!
Product: Student loan

I was moved from XXXX to Mohela for PSLF. Before which I put in an IDR application. That application was never processed. I put XXXX in with Mohela and it hasnt been processed though that was filed on XX/XX/24. Ive messaged them about it and received no response. 

I have received several confusing letters which I also requested info about and still havent received an answer for either.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration regarding the ongoing presence of fraudulent items on my account, despite multiple attempts to have them removed. Regrettably, I must bring to your attention the fact that this is now the third attempt to address and rectify this issue, yet the problem persists. 

The continued presence of fraudulent items not only undermines my confidence in your company 's security measures but also poses a significant threat to my financial well-being. 

I demand immediate and decisive action to thoroughly investigate these fraudulent transactions and ensure their complete removal from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

I urge you to prioritize this matter and take all necessary measures to address it promptly. My trust in your company 's integrity and ability to safeguard my interests depends on your swift and effective resolution of this issue. With this, I am asking for your assistance to remove these XXXX items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The XXXX at XXXX Ga took a fraudulent claim to court ... .My rent was fully paid ... I owed them nothing ( They said {$10000.00} dollars???? ) ... .They had the warrant sent to my old apartment ... .I was not given the opportunity to defend myself and then they sold info to Rent Recovery Solutions who did not want to hear my story. These are the same people who were on XXXX on XXXX XXXX, 2014 ( please watch ) ... The apartments were mold infected, crime infested and damaged which is why I got them paid off an moved out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please report the payment status positive and update the late from reporting on these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked into my credit report, I found that part of the data was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the itemsbe authenticated by the 3 credit bureaus. ( A ). Without providing verification within the legal time frame, it is unacceptable to treat the reporting itemsas unverified information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased two cement trucks and they are being financed by XXXX XXXX XXXX. They are out of XXXX Minnesota XXXX. I fell behind on my payments and advised them i would be getting payments myself to be able to send to them. They chose to recover vehicles and refused to accept payment which was scheduled for XX/XX/18. The collection agent XXXX XXXX  has belittled me by saying i am an embarassment. I also have spoken to his assistan XXXX  and she does similar actions by screaming at me over the phone. I humbly do not disagree i have paid them late probably every month but i do catch up by paying two even three payments at a time. On the latest incident XXXX XXXX is addament i took the equipment out of the country to XXXX. I replied that claim is absurd and untrue. I tried speaking to the sales finance manager and he said i have to speak to him directly to resolve this matter. I chose to communicate by e-mail to avoid further trash talk from XXXX XXXX. He replied that if i did not speak to him directly nothing would be resolved. I made the attempt to speak to him again and proceeded to tell me " do you know you have paid late every month ''. I replied " is this the part where you tell me i should be ashamed of myself '' and he replied he wanted to take the second unit i have financed with him. I told him i was prepared to be current this Friday and he said he did not want to accept that offer. The dealer who sold us the cement trucks stated they are accustomed to doing this sort of thing to customers because they take the majority of the payments for several years and then they try to resale the vehicles and make all the monies that were paid in monthly payments on top of what the vehicle resales for. I have purchased millions of dollars of equipment in my 16 years of doing business and i can not recall having to deal with such a negative individual. I also have never defaulted on a loan.
Product: Checking or savings account

I have had my accounts locked at AXOS bank for using XXXX transactions between my accounts and an external account that is not in my name. The transactions were into my account from a friend to whom I made a personal loan. The AXOS website let me set up the transfers and yet they are not allowed, so be it but now it has been since XX/XX/XXXX but I still do not have any ability to move money from my checking account nor savings account at AXOS to my other bank. It is now XX/XX/XXXX. 

I just talked to a customer service representative who told me that they could not understand why I did not get my money yet and once again sent a note to those that can make those decisions and once again I need to wait for a message through their website to let me know what is happening. This is not fair 1. ) The website should not have allowed me to make transfers that were not permitted 2. ) AXOS should not have locked accounts that were not involved in the XXXX  3. ) AXOS should not be sending me a check for over {$20000.00} via mail with no option to move it to my other bank electronically 4. ) There is no reason that XXXX should have authority to prevent me from accessing money I need for over two weeks. I have needed to pull money out of a retirement account to cover the expenses I needed to use the money for As of now I do not know how I will be able to access or get the money I have in AXOS returned.