23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

TransUnion allowed XXXX XXXX XXXX to put a collection on my TransUnion credit report which is illegal. The original company XXXX XXXX XXXX in Texas. I never lived in Texas, Im from California been in California all my life. I have ask TransUnion to delete and its still on my credit report. I made a identity theft Police report with XXXX Police Department and furnished it in my identity theft Police XXXX
Product: Credit reporting or other personal consumer reports

Starting on XX/XX/year> I sent numerous letters and called each credit bureau to remove all the hard inquiries, auto loans, repossessions, collections and student loans from my account because I did not apply for any new credit and was a victim of a credit breach that leaked my social security number to the dark web. Experian, XXXX or XXXX did not properly investigate these items and kept them on my credit illegally. I have sent numerous letters and have contacted each credit bureau and they have been unwilling to help. I have even called the creditors and they verified that they did not report those items and informed me to call each bureau to get it corrected. 

These bureaus have illegally placed negative items on my credit report and have sense hindered me from having a high score and purchasing a new home.
Product: Payday loan, title loan, or personal loan

I was browsing for personal loan at XXXX and was matched to ascendloans. XXXX was stating at its website that the maximum loan interest was XXXX  percent. Also, I knew that it is a crime in NJ to issue a loan for more than XXXX  APR, ( The criminal usury limitations ( N.J.S.A. 2C:21-19 ). The company was charging me {$XXXX} every Monday. The loan number XXXX was issued on XX/XX/XXXX in the amount of {$XXXX}. They charged my account for XXXX  times in the amount of {$XXXX}. Once it exceeded XXXX  percent I called them and realized that they were charging XXXX  percent. I paid {$XXXX} and closed the loan. Before they told me that they were reporting the activity to credit agencies. When paid off and it was not reported to agencies, I called them and they changed their initial statement that they were reporting to credit agencies. It was clear, they XXXX  mislead me. They claim that as XXXX  companies they are exempt from state laws and they can charge XXXX  percent for the loan. According to the Federal Court decision XXXX, XXXX, XXXX it was ruled out that online XXXX  payday lenders must comply with state interest rate limits, licensing laws and other state laws, and can be sued through their officers for injunctive relief if they do not. XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the end if XX/XX/2022 I been trying to make corrections on my report regarding trade line if XXXX XXXX XXXX with Equifax, nothing has been fix and instead of conducting a " proper investigation '', they continued to on it, delete and.or do nothing regarding the information disputes. As of this date, I can not have a complete, accurate and verifiable trade line. I tried disputing on line, over the shine and last via cert mail. In addition, I have tried to obtain and dispute directly with XXXX, furnisher with no answer. It is a mystery and/or Comenity is not releasing the records of payments, charges and I am stuck with a trade line full of errors and incomplete because Equifax is not able to verify the information which was previously reported, once disputed, Equifax claimed that they contact the furnisher and it is accurate OR the information disputed is UNKNOWN. I am demanding accuracy completeness errors free in my consumer report. Please review the attachments, I made notes including dates, comments and circled the disputed information.
Product: Consumer Loan

I was scrutinized and asked for very personal information for a loan for {$6000.00}. I was also treated with disrespect. I was approved at first but when I went in the office to close on the loan I was asked for more personal forms of information that I thought was unorthodox for a small loan when I had already been approved. I never even received confirmation that my documents were disposed of after I was denied the loan.
Product: Credit reporting

According to my credit history report, I have a line of credit to a mortgaged company requested in 2012. I have never requested this line of credit since at that time I was only XXXX years of age. I believe someone has used my personal information including my social security number to access and request this line of credit. Please investigate, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrong letters and contacted both XXXX credit and Transunion about the hard inquirys recently put on my credit they have refused to remove th hard inquiries and it was not me none of the hard inquiries was me for auto loans. They told me I need to place a police report the police said that no crime has been committed so Im at a rock and a hard spot. But here has been XXXX hard credit pulls for auto loans most of them where done from XXXX. XXXX XXXX to XXXX XXXX XXXX My name is is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and the accounts listed in the identity theft report are produced by way of fraud including XXXX XXXX XXXX XXXX  XXXX which has caused me damages for a loss of {$500000.00} as I am not able to sell my home due to the fraudulent lien being placed on my home.
Product: Payday loan

I borrowed {$10000.00} on XXXX XXXX, 2013 from Western Sky Financial. They then charged a {$75.00} doc fee out of the loan amount. Then I made payments of {$740.00} for 15 months and borrowed money from my mother to payoff the loan, the payoff was {$10000.00}. I made XXXX payments and the payoff was still more than the original loan. The interest was 89.68 % if the loan had been paid in full the total amount would have been {$62000.00}. I was just informed that Western Sky has been sued for this exact type of loan in multiple states claiming the interest rates far exceed many state and federal interest rates.
Product: Credit reporting or other personal consumer reports

RE Account Numbers XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party.

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by 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 to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request.

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as Experian, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in Title 15 chapter 41 does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692e ( 8 ) 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ). 15 USC 1692e ( 8 ). 15 USC 1692e ( 2 ) ( A ).
Product: Checking or savings account

1. On XXXX XXXX, XXXX, I opened a new checking account with Wells Fargo, and a promotion code of {$400.00} for making 3 consecutive direct deposit of {$3000.00} or more at the time of opening. 
2. On XXXX XXXX, XXXX, I called ( XXXX ) XXXX to report an issue with online access. In the following 7-10 business days, a WF personnel was assigned to investigate in my case, where WF suspects my social was used by another person. This was very alarming and made me worry about identify theft. It was an issue I never experienced with other financial institutions that I work with. 
In XXXX, the assigned case investigator informed me that my online login should be working ; however, the credential he identified did not work for me and I called him at ( XXXX ) XXXX and left about 10 voicemails in the month of XXXX while I returned to XXXX. 
3. On XX/XX/XXXX, I received a text message in the name of Wells Fargo, requiring me to verify a transaction out of state. This is the first time I received suspicious text message from any financial institutions. Considering the identify theft concern WF representative brought to my attention in XXXX, I became more worries about my financial safety and confidentiality. And thus, I continued to contact the case investigator by leaving voicemails. I never heard back from him.

4. On XX/XX/XXXX, I spoke with a representative from Executive Office through customer service line, regarding both online access issue and safety concerns. She instructed me to email the text message to XXXX, and she filed a formal complaint on my behalf. I attached the screenshot of the text message and wrote the email to the address provided ; however, I never heard back from anyone while remaining feeling unsafe about my WF account. 
5. In XXXX, XXXX, I contacted WF via Message Center about my concerns, and I was assured that my social was verified and the account is safe to be set for direct deposit. Therefore, I instructed my payroll to set up direct deposit to WF account and XXXX was the soonest time that my first direct deposit could be processed. 
6. On XX/XX/XXXX, the third consecutive direct deposit was completed. But I was informed that the {$400.00} promotion bonus would not be applied to my account because it passed the 150 days requirement. Due to the delay and lack of response from WH staff in XXXX through XXXX, I did not receive verification from the bank if my account was safe for ongoing large deposits, such as my monthly pay from payroll, and it was not until XXXX my direct deposit could be processed. Another representative with Executive Office escalated the promotion issue by filing another case on my behalf. 
7. On XX/XX/XXXX, the assigned investigator for the new case called me and denied the promotion bonus, despite of the fact that the safety concerns was not addressed timely by WF staff. She also told me there would be no appeal option for me to take.

8. Knowing that WF 's involvement in fraud investigations and  scandals, I'm seriously worried that they did not learn from their lessons and their business conduct has not changed.
Product: Checking or savings account

i ordered on XX/XX/2020 a mattress set from XXXX XXXX for {$740.00} online, i cancelled order after XXXX XXXX told me they could not deliver until XX/XX/2020. i have not receive refund from XXXX XXXX as of today. 

My bank citibank is acting indifferent about giving me a refund for my money paid to XXXX XXXX on an cancelled order.
Product: Credit card or prepaid card

Chase chose to shutdown my Chase XXXX XXXX on XXXX XXXX, 2017. They sent a letter in the mail with the shutdown and did not provide a reason. I have attached a copy of the letter that was sent me. 

The main text describes : " After careful consideration, we closed your credit card account on XXXX XXXX, 2017, because our affiliate is ending its banking relationship with you. '' There was no more details about the shutdown In my XXXX years as a customer all payments were made to the card, the account was delinquent in any way. 

I would to speak to a representative from the XXXX XXXX to see if I can provide any information to adjust or change this situation. I was a proud and happy customer using the Chase XXXX for my everyday business needs.
Product: Bank account or service

In XXXX 2016, I had three credit card accounts with Bank of America. I was using the option of recurring payments with two of the accounts. The third account had zero balance. I always made all of my payments on time and I never had any issues with Bank of America. In XXXX 2016 I began receiving various letters from other creditors informing me that my accounts were either being closed or the credit limit amounts were being reduced. I could not understand what was happening because I always paid my bills on time and I had never had any issues with none of my credit card accounts. I finally found out that Bank of America had closed out all three accounts and reported that I had not made any payments for three months, all the while they were taking payments out of my checking accounts. When I contacted them, a representative said that the minimum amount had been raised on one of the accounts and that is why everything is showing non payment, when in fact they were still deducting money from my checking account. Bank of America has caused me great harm because of them my credit status with my previous credit card accounts are gone and I am considered as a credit risk. This is not fair because no one from Bank of America informed me of anything. No one called or sent me any statements telling me what the problem was. This was their mistake and they should be held accountable not me. Is this what happens when you make your payments on time and never have any issues? PLEASE HELP!!!!
Product: Checking or savings account

I have been a customer of USAA since XX/XX/XXXX, but on XX/XX/XXXX, I became a victim of financial profiling by USAA. USAA violated my civil liberties, financial security, and privacy by threatening to suspend online access to my financial accounts, if I failed to provide information on my 1 ) annual income ; 2 ) estimated net worth ; and 3 ) status as a current or former high-level elected or appointed foreign government official, or a relative or close associate of one. Moreover, it is my belief that USAA is using the Patriots and Bank Secrecy Acts to gather intelligence on high-ranking military personnel for purposes incongruous with U.S. banking laws. Its action to suspend my online access to my financial accounts for the sole purpose on gathering information not relevant to my banking activities or needs violates my privacy, financial security, and civil liberties, as an American citizen and veteran of the United States military.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX along with their affiliate XXXX processed an application for credit that was not authorized by me. In fact, it was processed as the result of a fraudster who stole my identity. This fraudulent application was apparently processed on XX/XX/23 based on a fraudulent inquiry I discovered in my XXXX report. I have made numerous attempts to contact the company via phone and email and have submitted a police report along with FTC identity theft affidavit. They have refused to respond and it has become abundantly clear that this is simply their tactic of avoidance utilized in their day to day business. It is also clear their intentional conducts to avoid resolving customer issues with identity theft are both harmful to me personally but to consumers as a whole.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reach out to the company data x first thing I get on the phone with them don't have my right address ask him to share the information what they have on file after they verify me still failed to do that I would like my file deleted and all person information permanently deleted out your system
Product: Credit reporting or other personal consumer reports

Transunion has provided an updated information to a previous dispute. Attached is a letter that requires Transunion communication as it relates to the nature of the inaccuracy reported to the credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I tried communicating with the bureaus, but they are not helpful.
Product: Checking or savings account

ON XX/XX/2022 SOMEONE PRESENTED TO NAVY FEDERAL CREDIT UNION A FORGED SIGNATURE ON A IRS TREASURY REFUND CHECK.DATED XX/XX/2022. 
HOW THEY GOT THE CHECK I DO NOT KNOW. I HAVE CONTACTED THE CREDIT UNION SEVERAL TIMES BY PHONE AND MAIL, BUT I HAVE RECEIVED NO RESPONSE FROM THEM. I WANT THEM TO CHECK THE ACCOUNT THE MONEY WENT INTO AND THE SIGNATURE OF THE PERSON WHO CASHED THE CHECK. IN ADDITION, FOR THEM TO MAKE RESTITUTION TO ME FOR THE FORGED CHECK. THE CHECK WAS IN THE AMOUNT OF {$610.00}. PLEASE SEE ATTACHED DOCUMENTS. 

I AM THE ADMINISTOR FOR THE DECEASED PERSON ON THE CHECK.
Product: Checking or savings account

XXXX XXXX XXXX there were unauthorized personnel accessing my account. Tried to transfer all my funds to another checking account that does not belong to me. I called the company and told I'll get an email never received an email. I tried calling today. Nothing happens. I'm trying to close my credit karma account so I can get rid of it as well as closing the credit builder accountni have with them. I'm also trying to get the account unlocked but they're not answering me and giving me hours of wait time for nothing and tried to dispute the {$43.00} that was unauthorized from my account.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX KY XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX XXXX, Equifax XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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. Items listed above, have 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 furnish an 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Remove Fraudulent Accounts Listed Below : - Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Type : Open, Account Type : Secured credit card, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$1600.00} - Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : - XXXX XXXXXXXX XXXX, Automobile Dealers. Used, XX/XX/XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX. Used, XX/XX/XXXX, XXXX - XXXXXXXX XXXX Auto Financing companies, XX/XX/XXXX, XXXX - XXXX XXXX, Auto Financing companies, XX/XX/XXXX, XXXX - XXXX, Personal Loans companies, XX/XX/XXXX, Equifax - XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX - XXXX XXXXXXXX XXXX XXXX Auto financing, XX/XX/XXXX, Equifax - XXXX XXXX XXXX, Auto financing, XX/XX/XXXX, Equifax - XXXX XXXX XXXX XXXX, Auto financing, XX/XX/XXXX, Equifax FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. THIS ACCOUNT WAS DEEMED FRAUDULENT AND WAS REMOVED FROM CREDIT REPORT IN XX/XX/2022.