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

XXXX XXXX XXXX XXXX  authorized without notification a fraudulent ach transfer from USAA in the amount of {$26000.00}. It has been 84 days since I filed the police report and notified XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX informed me I was past the 60 day requirement to notify of fraudulent activity. I was at 68 days to report. Fraudulent charge was debited from checking account on XX/XX/XXXX, at the onset of the pandemic, followed by state-wide shutdowns. Focus was on my XXXX, not myself until later in the shut-downs when I wanted to invest more into my XXXX for XXXX  XXXX, which is when I noticed the fraudulent charge. 

XXXX XXXX XXXX claimed they would develop a conclusion between 45 - 60 days of reporting. They are no longer providing additional information as to the status of the claim. 

Contacted Attorney General, State reps, and personal attorney. 

Causing extreme mental and emotional anguish. Police contacted for a wellness check. 

XXXX XXXX XXXX XXXX  claims they are unable to reach anyone at USAA. USAA claims XXXX XXXX XXXX XXXX  has no record of contact. Faxed information to USAA on XX/XX/20. 

Very possible I will be homeless. Loss of income for my XXXX. Mental anguish. No forbearance in reporting due to COVID-19 pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REGISTER LETTER NUMBER ( S ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

( A ) SERVICED ON THE ENTITY : TRANS UNION ; XXXX XXXX XXXX XXXX XXXX  PA XXXX.

2. CERTIFICATE AND PROOF OF SERVICE ACCOUNT TRACKING NUMBER ( S ) XXXX ... XXXX   ...

( A ) ENCLOSURES : NOTICE OF RESCISSION ; AFFIDAVIT OF FORGERY ; LOAN DEBT VALIDATION REQUEST ; NOTICE TO CURE 3. REPORTING AGENCY HAS DEFAULTED ON ANSWERING THE VALIDATION DEMANDS AND THEREFORE MUST REMOVE THE MISTAKE FROM THE RECORD.

4. THIS ERROR IS AN INJURY AND TRESPASS ON THE HOLDERS CREDIT INTERESTS. WE REQUIRE A REMEDY.

5. ALL CLAIMS ARE REGISTERED, CERTIFIED, AND TENDERED TO ALL PARTIES INCLUDING FEDERAL AND STATE AND MUNICIPAL PUBLIC/COMMERCIAL EMPLOYEES -- - CORPORATE STATE OF CALIFORNIA.

4 ( A ) PLEASE SEE THE ATTACHED DOCUMENT : RETURN_RECEIPT. 6.
KNOW THAT ... THE ATTACHED CERTIFICATES AND PROOF OF SERVICE ARE EVIDENCE OF CLAIMS FILED.

7. NO PERSON/MAN/WOMAN HAS PROVEN THE LOAN AGREEMENT.

8. WE REQUIRE DISCHARGE AND DISPOSAL BECAUSE THE LOAN IN QUESTION IS CAUSING A FALSE AND INJURIOUS REPORT ON THE PERSON AND THE HOLDER 'S RIGHT IN INTERESTS.

9. UNDER PENALTY OF PERJURY ; WITHOUT PREJUDICE ; ELECTRONIC SIGNATURE BY HOLDER/OWNER OF NAME : XXXX XXXX XXXX, ALL RIGHTS RESERVED WITHOUT RECOURSE.

10. NOTICE U.S. CODE : TRUTH IN LENDING ACT -- 5.1635. Right of rescission as to certain transactions. ( a ) Disclosure of obligor 's right to rescind a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission. When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, Barclay 's Bank of Delaware pulled my report without my permission. I disputed this inquiry with XXXX I let them know I did not authorize this inquiry. I even sent XXXX a police report and they claim that they were verified. According 15 USC 1681b ( a ) ( 2 ) I did not give this company any written instruction to check my report. Please send me proof with my written permission with my signature stating that I gave you permission to obtain my consumer report/credit file and certification. company name : XXXXatclay Bank of Delaware DATE OF INQUIRY : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I attached my credit report I have student loans and I never went to school. I have multiple collections and charge off. I don't have any bad debt. I drive for XXXX and I have XXXX kids and a wife. Life is hard for us. Please I don't know who could've done this to me. 
XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed Hide closed ( 1 ) CREDIT CARDS XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2200.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1400.00} Closed XXXX/XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed OTHER LOANS XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed STUDENT LOANS DEPT OF ED / XXXX not mines Reported : XXXX XXXX, XXXX + {$4100.00} In good standing DEPT OF ED / XXXX not mines Reported : XXXX XXXX, XXXX + {$4000.00} In good standing Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

I have not applied for anything please remove these inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX Reported : XXXX XXXX, XXXX + {$1900.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$860.00} Needs Attention
Product: Credit card or prepaid card

I applied via XXXX XXXX for a Chase Freedom card. My husband had already applied, was approved immediately and received his card. We both have XXXX credit cards. A XXXX XXXX XXXX. Of which we both have our own. And a XXXX card. Which is in my name and he is only authorized user. So technically, he only has one credit card. 
My credit scores are higher than his. ( Or they were then ) I WAS DENIED. 
They gave two reasons in one place on their letter. 1. Oldest revolving account has not been opened long enough. 2. Too few accounts on file for a sufficient length of time.

Further on in their letter, they gave 4 more reasons. 1. Balances on revolving accounts are too high compared to credit limits. 2. Lack of recent installment loan information. 3. Too few accounts currently paid as agreed. 4. Too many accounts with balances. 
I have ( 2 ) credit cards. No other debt. Except rent, utilities, etc. My credit score per their letter per XXXX is XXXX. My total balance is {$280.00}. I will attach their letter albeit with my notes scribbled on it. 
My husband is XXXX. I am XXXX. And I am a woman. He was approved instantly. I was denied. Yet I have more credit for longer. More good credit. And higher credit scores. 
When XXXX exposed everyone to identity theft ( with impunity ) I froze my XXXX Credit Report. However, prior to applying for the Chase card, I had it unfrozen. Is there something going on here because of that? 
The only thing that is different is my age and my gender. 
This is discrimination pure and simple. 
Can you do anything to rectify this? 
Thanking you in advance. 
Sincerely, XXXX XXXX
Product: Student loan

I attended  XXXX   XXXX   XXXX   XXXX  at which time I had taken put student loans. At the time i was empoyed with a position that paid higher than i would have received following completion of school. I was able to do a deferment a couple times, then became homeless for some time. I tried to set a deferment based on my circumstances. However it was denied becuase i had already defaulted. For a year p r two i  was receiving statements from   XXXX   XXXX  ,  XXXX  And federal student aid. Over the years I have been garnished my wages, had tax returns taken ; {$1500.00}, {$5400.00}, {$4700.00}, {$3800.00}, {$750.00}, my original loan was {$5600.00}. I was told i woud recieve notice where my tax rerurns were applied, I never received anything. To date i owe {$26000.00}. I have spent the last  three  years serving as an   XXXX   XXXX  , during the terms of service i am allowed my student debt to be free of any interest from incruing. They respond that I have no accounts with them, deny my request then i receive notification of my debt owed to them. Unfortunaty, i have had several   XXXX   XXXX   XXXX   since tgen, resided in a   XXXX   XXXX   XXXX   years, was unable to qork for several years due to a   XXXX   injury. I will have to research and try to obtain supporting documents.
Product: Credit card or prepaid card

Related to Amex XXXX account ending in XXXX Amex pressures consumers to enroll in XXXX XXXX XXXX. I was told by multiple reps over the last XXXX months to enroll. They encourage with a no interest offer. 

I enrolled because they badger me so often and tell me that as long as I pay my balance in full I won't pay any interest ( lie ). 

I then realized in the beginning of XXXX that I was in fact charged interest because they just made my statement balance due as XXXX} and they put all my purchases in a special XXXX XXXX XXXX balance that incurs interest. Fine. No problem I get they're trying to make money even if I think it's morally wrong I don't decide things. So I call and I explain the situation and have XXXX XXXX XXXX turned off and ask for the fee to be refunded. They say they'll do it. Great. 

But then I check my balance again today and XXXX XXXX XXXX  another XXXX XXXX XXXX fee even though I paid my balance in full. Now this is just XXXX. I will call again but deceptive marketing is XXXX thing. This is XXXX. If I'm being treated this way and I'm fully comfortable calling and making a fuss I can't imagine how they're treating XXXX and XXXX income people that don't feel as comfortable calling and speaking with a large fortune XXXX company. We need to hold these companies accountable and Amex has gotten away with stuff like this for too long.
Product: Payday loan, title loan, or personal loan

I reached out to the company, XXXX, because a charge off appeared on my credit report for {$3900.00}. I called them to let them know that I never received all the merchandise that I ordered from XXXX XXXX on XX/XX/2020, and because of Covid the furniture was not readily available. I only received the Bed, consisting of a queen foundation, mattress, footboard, rails, and headboard which totaled {$880.00} shortly after I ordered. I never received the two night stands, dresser or mirror which totaled {$810.00}. 
They never sent any monthly statements to me because all merchandise was never received. I was told that that the contract does not start until all merchandise is received. This company has all my personal information including my social security number which according to 15 USC 1602 ( l ) - The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. According to 18 USC 8 all obligations are the responsibility of the United States. I demand the charge off be removed from all credit reporting agencies.
Product: Credit card

XX/XX/year> a charge that I did not authorize was made for {$2000.00}. My card was canceled by the company and a new one was issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute # 1 XXXX/XXXX inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Banks and XXXX XXXX XXXX XXXX phone number XXXX Dispute # 2 XXXX credit card company phone number XXXX XXXX XXXX XXXX Florida XXXX Inquiry date XXXX These two inquiry showing on my TransUnion consumer report are both fraudulent I did not consent to these inquiries they were done against my will and knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Vehicle loan or lease

Since US Auto been closed Westlake pops up demanding money. I ask for a contract with their name on it or my original contract and they still havent showed me anything. Im paying {$510.00} a month to them and I have no paperwork. I ask for my refund on my GAP had the truck since XXXX  with XXXX left to pay truck worth only XXXX now Im so done I need to know what can I do
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report a bankruptcy on my credit file. I've previously asked for the method in which they received the information reported. Their response in writing has been ; the source of there information is via XXXX. I've contacted XXXX and received a letter that the bankruptcy reported is not valid. As a result, information should be removed. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 15 US-CODE 16921 ADMINISTRAIVE  ENFORCEMENT  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 
7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 
8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  XXXX Account Number : XXXX Delete this account. 
10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting

I have a XXXX credit card issued through XXXX XXXX XXXX XXXX. This account is in good standing and, I have confirmed that the account is being reported to all credit bureaus. The problem is that this account does not show up on my TransUnion credit report. This causes my credit score to be artificially lowered as this is my main card that sees 95 % of my credit card usage. I have tried all means available that I can find short of hiring an attorney to correct this problem. All I ever receive as an answer is another copy of the same erroneous report. Can you help me get this corrected?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, and XXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have 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.
Product: Debt collection

I do not recall any knowledge of this account. To my awareness this is identity theft and fraud. Then I get notified that this account has been sold to a third party, XXXX XXXX XXXX. I am aware that financial institutions are not to share customers information with nonaffiliated parties. A crime was committed here. I notified XXXX XXXX Bank over 30 days ago by mail and they have not responded to me.
Product: Vehicle loan or lease

The original loan was in my brother 's name XXXX XXXX account # XXXX. My brother died in XX/XX/2020 but I took up the payments on the car loan. I was asked to provide a death certificate to the loan company. This info was sent to BridgeCrest as requested and I continued to make the Monthly payments on the car loan. 

On XX/XX/XXXX the car was repossessed in XXXX at the home of my deceased brother 's and my sister home, although I have been making payments continually every Month.

My bank ( XXXX XXXX ) filed a fraud complaint with this company over the money that was paid and was being drafted out of my checking account. I was able to recover only 2 Months worth of payments even though I have made well over 9 Monthly payments to this company. 

I want a FULL REFUND of ALL monies paid and I have electronic receipts as proof of all payments to this loan. This company is engaging in unfair business practices if they are accepting Monthly payments yet still repossessed the car! I want the car OR a FULL REFUND of my money no other resolutions will be accepted! 

I have previously spoken to a representative from BrideCrest by the name of of Ms. XXXX  who stated that she was a Manager.
Product: Credit card

I am writing to file a formal complaint against American Express for their failure to honor a welcome rewards offer that was promised to me upon applying for one of their credit cards. I applied for an American Express card based on the understanding that if I spent {$20000.00} within the first XXXX months of account opening, I would receive XXXX rewards points. I even called American Express to confirm my eligibility for this offer before using the card. After meeting the spending requirement within the specified timeframe, the rewards points did not appear in my account. When I contacted American Express customer service to address the issue, I was toldsurprisinglythat I was not eligible for the offer. What is even more concerning is that during the entire three-month period in which I used the card, no one from American Express reached out to inform me of this supposed ineligibility. This lack of communication, coupled with the refusal to honor the offer, has left me frustrated and upset. I find this practice deceptive and unethical. I am requesting your assistance in holding American Express accountable for their misleading conduct and ensuring that they honor the original offer. I believe it is essential to address this behavior to prevent other consumers from having similar negative experiences. Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

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

I went into Covid Forebearance with another company XXXX during the pandemic. I started my loan modification to get off of forebearance in XX/XX/XXXX. XXXX had completed my application and sold my loan simultaneously in XX/XX/XXXX. 

They sold my loan to Mr. Cooper also known as Nationstar Mortgage. I was told they would honor my previous completed loan modification with XXXX, they reneged on that. Then I was told I would need to complete a loan modification with them instead. I submitted all required documents in XXXX XXXX then over the course of 7 months I had to submit over 100 documents to Mr. Cooper ; many of the documents were repeats of the same documents I had already submitted. Mr. Cooper was so disorganized that they were not able to sort through the documents already given to them. They constantly took so long that my bank statements would go over their 60 day due dates. 

I have been unable to make a normal payment on my loan throughout the entire loan modification process, I have been unable to complete the loan modification due to Mr. Coopers ineptness. In XXXX XXXX  my loan was marked as delinquent and my credit score dropped XXXX points, even though I have requested and complied with every requirement to get off COVID forebearance for 16 months. I have asked several times to escalate my loan modification to get the process moving. 

I am blocked from making a payment to them and I am stonewalled from completing my forebearance loan modification for over a year. 

Now my credit has been decreased by XXXX points because Mr. Cooper has been unable to complete a loan modification over the course of 7 months despite hundreds of calls and hundreds of submitted documents. 

I am blocked from paying by Mr. Cooper while in a loan modification status while simultaneously are being punished for not paying on my credit score.