23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX last four XXXX. I have been dealing with a negative debt that is unknown to me. {$18000.00} XXXX  XXXX  I contacted the furnished, they were not able to furnish any contracts or agreement. I did not acknowledge the debt, in fact I denied it. I went to the police filed a report, the etc said file a affidavit of I'd theft I did that, I also sent license social security card a bill and all they asked for. They still did not delete this. As if they know something I don't, I'm the one that can tell them my symptoms sort of speak. I'm the one hurting, I am extremely disappointed. I would like this to be known for the record. Experian is OBSTRUCTING MY RIGHTS, I FEEL LIKE I'M BEING TREATED UNFAIRLY. They collect data and per the FCRA it has to be 100 % verifiable. They can not show me what proof the furnisher showed them to prove the debt and thats LAW. I'm entitled to see evidence against me that is meaning to hinder me in any way. I am attaching evidence of a letter that was sent to me by experian indicating that they took it off my report and that was a bold face lie. Experian told cfpb also that all they needed was my license and social and they would delete it. Another lie. I will attach letter that indicated that this was over with from. XXXX XXXX senior regulatory affairs associate experian consumer affairs ( XXXX XXXX XXXX XXXX on XX/XX/2019. They did not send me any evidence or any deletion letter or validation. They send the customer something and lie to the bureaus or departments that takes the complaint. Usually people will get tired and give up, that's what they bet on. It's better for them, if people have bad credits. They make more money off of the poor and needy. I will not let up until the truth is done. Justice is done, experian has done everything to violate, they don't show die process like they should, they put stuff in credit report without verification. Please delete the public records, when I contacted the courts, they sent me a letter indicating me that. They do not, I repeat. Do Not! Furnish information on customers to credit bureaus because it's illegal. I WONDER where they are getting their information from. XXXX and XXXX  has deleted this as fraud but although I have all my paperwork experian continues to break the same law they try to enforce. An unjust law is no law at all. I can not get a decent place to stay because of this stigma of a bill on me. File reference XXXX
Product: Credit card or prepaid card

I reported fraudulent actives on my XXXX XXXX XXXX XXXX store card ; however, as of today the issue has not yet been resolved and I am still being charged for those purchases. The company has also reported my payment as being late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Comenity bank bought Justice from XXXX XXXX. I was never sent a letter or received a call about where to send my payments. I had auto pay with XXXX XXXX   So without receiving any information, I thought they was still going to take my payments. Comenity bank failed to notify me. Now they gave me 3 late payments. I should of received a call or a letter about this. I asked them to remove the late payments due to this being their fault. They failed to respond back.
Product: Credit card or prepaid card

I used the American Express BlueBird account in a store today to charge about {$230.00} on XX/XX/2019 in XXXX XXXX, NC and was declined. I checked before using the prepaid card and I have about {$400.00}. However, I was able to charge {$4.00} in the food court after that. I called the XXXX number at the back of the card once in my hotel room and was told that my card was compromised with unauthorized transaction. I do not believe this reason because I have been in XXXX XXXX, NC since XX/XX/XXXX and have been using the card for no problem. As a XXXX officer the situation was very embarassing as I was with colleagues. 
I was able to talk to a so called XXXX department supervisor name XXXX with ID XXXX and was told the XXXX that buying an apple is different that buying a banana even if its the same store. The apple will be declined but the banana will be approved since the apple is the one thats fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Mortgage

In accordance with the fair federal accordance act this creditor has violated my rights, under 15FSC 1681, section 602 states I have the right to privacy. 15FSC 1681 section 604A section 2, it also states that a consumer reporting agency can NOT furnish an account without my written authorization.

Under 15 FSC, 1666B, a creditor may NOT treat a payment on a Mortgage account under an open a consumer credit plan as late for any purpose.
Product: Mortgage

I am getting charged insurance on a VA loan that already has insurance on it.
Product: Mortgage

I, XXXX XXXX, contacted Mr. XXXX XXXX at Unitas Lending LLC to refinance my mortgage in an attempt to remove my ex-husband from the mortgage of my house. I expected to obtain a refinance of the mortgage loan for myself and my boyfriend XXXX XXXX at this address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX. I gave Unitas all necessary information to obtain the mortgage in my name, using XXXX XXXX as a co-borrower. XXXX XXXX from Unitas Lending contacted me on a Sunday night to rush me to watch a video that explained a loan estimate that they required me to sign to go forward with the refinance process. I have the video saved if you need the link, which clearly indicates the online signing of my name and XXXX XXXX 's name is for just a high loan estimate only, not the actual refinance of the mortgage. After the video, XXXX XXXX and I were rushed by XXXX XXXX to sign the so call estimate. The next day, XXXX XXXX received a large packet of documents in his name with a loan number # XXXX from XXXX XXXX XXXXXXXX XXXX. Nowhere in the documents was I listed as a borrower! The documentation shows the complete mortgage with dates due and a payment schedule among many other details. There was no closing, no finalization of the refinance, and no final discussion of approval of any loan. I attempted to contact Unitas Lending but they had failed to respond as of yet. They told me they would call me but after a week, they had not called. They had not explained to me what is going on. This is fraud as I did not authorize any of these actions to finalize this loan, which is an equity loan. I would never sold my place of residence to XXXX XXXX and not be on the Loan myself. I would never had signed any documents had I known this was going to happen. i am a senior and i am XXXX and i was manipulated and taken advantage of because of my XXXX. Please can you help me stop this company from taking advantage of XXXX people. thank you for your time and Help.
Product: Credit reporting or other personal consumer reports

According to my credit report, I noticed my privacy rights were violated. 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 ( 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. The accounts that are in violation of my rights are listed below. 


XXXX XXXX
Product: Checking or savings account

I had a XXXX XXXX XXXX which i canceled they took a a payment out for XXXX i talk to BANK OF AMERICA THEY KEEP TELLING ME THE CALM IS BEING LOOKED INTO BUT XXXX  XXXX SENT ME A LETTER STATING THEY SENT IT BACK ON XX/XX/XXXX XXXX .BANK OF AMERICA JUST THEY OR WAITING ON MASTER CARD. MY ACCOUNT NUMBER IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, PXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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 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: Debt collection

This debt collector employed abusive, deceptive and unfair practices, violating the FDCPA. They reported an account we did not agree upon, and I did not sign any agreement. A legal contract involves two parties, and I was not a part of it. Moreover, they neglected the proper 5-step validation procedure, constituting an unfair practice. According to the FDCPA, I am entitled to {$1000.00} compensation per violation, and its clear they infringed on my rights.
Product: Vehicle loan or lease

On XX/XX/2021 I sent Navy Federal Credit Union an Affidavit of Truth and Lending certified mail regarding a fraudulent auto loan that they approve on my behalf. The terms to the Promissory Note states The owner ( s ) of the collateral warrant ( s ) the he/she is the owner of the collateral listed on the front ; that there are no other liens or claims against the collateral.

15 USC 77q states It shall be unlawful for any person in offer or sale of any securities ( including security-based swaps ) or any security-based swap agreement ( as defined in section 78c ( a ) ( 78 ) of this title ) by the use of any means or instruments of transportation or communication in interstate commerce or by use of the mails, directly or indirectly and that contract promise was not fulfilled by Navy Federal Credit Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Debt collection

RENT RECOVERY SOLUTIONS placed an account with adverse information on my credit report with XXXX XXXX, XXXX, and XXXX. I never had any relations with the company and I never gave the company any direct consent to have, use or share my non public personal information. Therefore, making the possession, use and sharing of the information an act of identity theft. Also, accessing my credit reports to furnish false and misleading information is a violation of my right to privacy. I am seeking redress and compensation for being violated. I am aware that my consumer rights under the FDCPA allows for {$1000.00} compensation for failing to refrain from false and misleading representations and {$1000.00} under the FCRA for furnishing information to my credit report without my direct written consent. Please see attached.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Checking or savings account

Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers On Tuesday XX/XX/2024 wwnt to Truist XXXX XXXX  branch to cash and deposit a check, into one of my 2 checking accounts.since one of the accounts was overdraft by {$110.00} dollars the teller ask me if i want to depostit in the overdraft account i said no iwilltake care of that later since im trying to recover from a week of not work for a medical problem. I make the deposit of {$110.00}. Next day wednesday XX/XX/XXXX i notice that a transfer has been made by the bank from one account to another to cover the overdraft without my consent and the account its not longer active. Icalled customer service and they confirm that a bank employee made this transfer from the branch so i asked to speak with a manager to open a complaint and request my money back, so she said that she open a complaint but the refund most be worked with the branch.i called the branch the same day and discover that nobody did the complaint report, after several atempts to contact some one at the branch that can help me they just write my info multiple times so the branch manager can return the call. I only got a message from the manager stating that if the bank did that transfer is because they can finishing the sentence with I giess. 
How can your complaint be satisfactorily addressed? 
Credit my accoumt with the {$110.00} dollars that they take from my account without my consent or even a communication. And prohibit them from doing transactions on clients accounts
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I made 2 transfers. Their tracking numbers are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

In each of these transfers, I agreed to pay {$4900.00} XXXX plus a {$2.00} fee ) at exchange at a rate of {$1.00} USD = XXXX BRL ( Brazilian reais ), so that each recipient would recieve BRL XXXX. 
This was a bank deposit ( not cash pickup ) and my payment was made with debit card immediately. Each transaction has a status of " Completed '' with its respective receipt showing what I've just described ( {$4900.00} paid ; {$1.00} USD = XXXX BRL ; supposed payout BRL XXXX ) However, in actuality, only BRL XXXX were deposited in each of the recipients accounts in each of the 2 transactions. Each transaction is missing BRL XXXX. 

The recipient bank says there are no fees or taxes taken out, nothing is deducted on their end. This is corroborated by the fact that no other international transfer service has mysterious deductions from their transactions -- only Western Union. The Western Union transfer rate did not fall between payment and delivery of the deposit, it actually went up slightly. There is no explanation for why so much money is missing. It can not be from rate fluctuation. The rate was XXXX BRL  when I paid and was XXXX BRL  when the money was deposited the following day. 

I had contacted Western Union for an explanation or solution and have been given a vague answer that the contracted transaction is " only an estimate. '' No other money transfer service operates like this. There is no accounting from Western Union regarding EXACTLY what happened to the rest of the money. It appears that Western Union believes they can make a contract for a money transfer, take the payment, and then unilaterally change the payment amount to whatever they feel like paying without any oversight, specific explanation, or consequence. To this day, they can not provide evidence on why the payout deviates so much from what is shown on the receipt. I would never have agreed to engage in a transaction with this company had I known that they arbitrarily change the contracted payout amount after execution. 

I am attaching the transaction receipts showing what we contracted.
Product: Money transfer, virtual currency, or money service

We want to report complaint for the CHASE bank. 

We mailed out a check to our vendor, and the check got stolen and cashed by a thief over the ATM machine. The thief cashed the check around XX/XX/2021 and the check amount is {$32000.00}. When our vendor called us and said they did not receive payment, but bank statement showed the check was cashed. We realized the check was stolen and cashed. We immediately contact our bank and we had to go through many departments to talk to the right person. We report the issue to Chase credit fraud department, and they said the thief cashed the check in XXXX XXXXXXXX ATM, so they are not responsible for fraud and can not return the money. We have to call back and forth many times between CHASE and XXXX XXXX. Then Chase said they will open case for investigation. After almost a year, they said the case was missing some information and it will be closed. Unless we send them new information. They want a police report from us, so we went to police station, and police department suggested us to report the letter stolen from the USPS to ahve their own police department to do the investigation. We report the issue from The USPS and have the case number. They will conduct the investigation. But CHASE did not perform their due diligence. First, the thief 's name is different from the check, and they did not verify. Second, they did not verify the signature. And they try to excuse themself from this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit Report this morning, and there are several inquiries that do not belong to me. Please remove these unauthorized inquiries from my report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX TRANSUNION XXXX-Inquiry : XX/XX/XXXX XXXX   XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXInquiry :  XXXX XXXX, XXXX XXXX XXXX  DBA XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXX XXXXInquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX