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

Back in XXXX I was sent money from a family member to help purchase a home I sent over XXXX XXXX to XXXX XXXX XXXX and cash app took the money and didnt tell us why .i had filed a dispute for about XXXX to a person in California this lady was suppose to send me candles and covers and never did I filed a complaint with cash app and they never helped me they never responded to me trying to get my money back. So cash app owes me about XXXX XXXX of my own money im missing
Product: Money transfer, virtual currency, or money service

I was sent an email about paying the closing fee on my home and it was fraudulent info given to me. I wired the money to the fraudulent account unknowingly. I contacted the bank and they would not stop or refund my money
Product: Debt collection

Received a phone call on XX/XX/2021 called refused to use identify themselves until I stated my name. Once I validated my name they continued and claimed to be from a bill collecting agency and was calling in regards to an old balance from a past rental company for {$2200.00} and that if anyone else was in the room the call would be ended for security purposes. I informed them my funds come from my work and I would have to wait for each paycheck through the month of XXXX to pay the whole bill. That was unacceptable so I agreed to pay XXXX on XX/XX/2021. After that amount was transferred we agreed on XX/XX/2021 for the remaining amount to be processed. Due to lack of funds it bounced and I received a phone call on XX/XX/2021 and while I was trying to calmly and politely explain the situation and give a definite date for the payment I was yelled at and my credit threatened then at their mercy I was transferred to another person and told to get a payday loan. XXXX when I had called them upon their answer laughing was heard and thereby breaching the security and legitimacy of the company claims. 
*I have never received a letter claiming the outstanding bill or services are legitimate.
Product: Debt collection

Number keeps calling me for a fake company, requests that I call a different number to collect a debt and make payments immediately. I am on the national do not call registry and also have 0 debts. I called to let them know I would be reporting and they got abusing and hung up on me. Phone number is XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I XXXX XXXX entered Into a consumer credit transaction XX/XX/, XXXX XXXX  which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this XXXX XXXX has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my invoice and my license.
Product: Checking or savings account

Bank of America closed my account and hasnt credited my accounts or returned to me 4 negotiable instruments I deposited the instrument were postal money orders deposit on the 6 and 9 2 on each day two were made to the order of the United States TREASURY and two were made out to me the amounts of the instruments were {$200000.00}, {$200000.00} deposited on XXXXand {$900000.00}, {$900000.00} deposited on the XX/XX/2023 I have a medillion stamp guarantee, and affidavit that all accounts are prepaid a power of attorney fsform XXXX one given myself power of attorney and one granting Bank of America poa to convert checks made out to the us treasury on my behalf . I have not been credited those amounts nor have they returned the instrument to me instead they closed my account with outstanding checks still out theres, which is causing me to potentially be charged with fraud. Its is illegal to write checks from closed accounts I write those outstanding checks when my account was open but they closed my account with no warning. Now those checks are going to bounce Bank of America stole my instrument I have them all documented and I took pictures of them and have them in my ledger with serial number date deposited all that they were correctly executed instruments but because I made them bearer boa thinks they can snatch them up with no consequences, I think I should file a police report on them for theft. When I call them I get the run around and going in to the bank is like telling the cashier at XXXX you want to buy a franchise if you get my analogy. I need help I have everything in order for me to sell transfer negotiate instruments/securities but boa XXXX respect the law when it comes to my case they want to say I committed fraud no they committed fraud
Product: Bank account or service

My husband & I have a joint checking account. Our finances have been not so good in the past few years because I am not well and had to stop working. Our credit is so bad that we do not even qualify for any type of loans. Now comes my bank we do not have overdraft protection with them, or a credit card because our credit was so bad we were turned down. On XXXX XXXX my mother passed away, and my illness has been extremely bad this year with several visits to hospital emergency room. During this time my husband tried to releave some stress for me by taking over paying bills. He did make some mistakes because he may have overlooked a charge like a gym membership, but he was unaware that the bank would pay every check, reccuring charge, electronic payments, basicaly anyone who wanted to get money from us could. He just assumed if we had no money or a zero balance that it would be refused, returned then there would have been just a returned fee, and we would have been altered by the person trying to get payment. The bank feels that they have the right to choose who gets paid and what gets returned. They also charge me {$34.00}. for each transacion that they are choosing to pay when the account is overdrawn sometimes by as much as {$1700.00}. Now there is a limit to XXXX of these charges a day, but the bank is smarter then that so after the 3 days charges have been made they hold any other transactions as pennding so they do n't put them through untill the next day which enables them to charge another XXXX more {$34.00} fees. Now my husband thinking his pay, my pension, & XXXX. is going directly to bank it 's got to fix itself. But these charges have now caused a horrible affect. I totaled {$1700.00} in fees this year. We have no money to grocery shop today because my Pension went in bank and the took the whole thing .I went to The Branch on XXXX. Chase Bank I spoke to the Branch Manager XXXX XXXX she claimed that this was all our problem because once you make an electric payment to anyone then they now have access to your account, so we allowed this to happen. She also said why were n't you checking your statements when they came in mail, but I do n't get paper statements I we n't paperless at there urging .She refunded XXXX of the {$34.00} fees and said that was all that could be done. I then called the bank I spoke to a Man his name was XXXX XXXX, And I asked why would the bank exstend these loans to us without consent or request. Also why would they keep doing it when they could see by our history we never had this before in the many years we have been banking with them. He claimed it is up to their judgement whether to pay something when there is insufficent funds in account and that they will continue paying most items because he could tell by looking at my account that we have direct deposit for our income and as long as we do they know they will get paid.I feel this is wrong and that they have stolen my money and made hardship worse for me.
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. When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX XXXX account and requesting a re-investigation of all reported details. According to XXXX XXXX 's response in CFPB complaint XXXX, they claim to have purchased the account from XXXX XXXX XXXX XX/XX/year>. However, I have not received any evidence from XXXX XXXX to support valid assignment or transfer documents from XXXXXXXX XXXX or XXXX XXXX XXXX XXXX that authorize XXXX XXXX to collect on this Collections account. Additionally, for my credit report on XXXX the XXXXXXXX XXXX XXXX account, as reported on XX/XX/year>, reflects a {$0.00} balance and was marked as charged off and transferred as of XX/XX/year>. This raises further questions about the legitimacy of the collection account being reported by XXXX XXXX, as the original creditor reports no outstanding balance or past due amounts. For my credit report on XXXX, XXXX XXXX or XXXX XXXX XXXX XXXX are being reported to support any balance due or owed for XXXX XXXX to collect on {$1000.00}. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy in the reporting of information. Since the original creditor reports a XXXX balance, there is no valid reason for XXXX XXXX to be reporting a balance of {$1000.00}. Therefore, I am requesting that XXXX XXXX provide proof of assignment or transfer of the debt, as well as valid documentation verifying their legal right to collect on this account. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires that only accurate and verifiable information be furnished by collection agencies. Furthermore, I dispute the remarks stating " Consumer disputes after resolution ; Collection account, '' as I do not agree with the prior resolution. These remarks are misleading and should be removed under FCRA 15 U.S.C. 1681s-2. 
I request a thorough re-investigation of all account details, including the balance, original creditor information, collection status, and remarks. Please provide written confirmation of the results of your investigation, along with proof of assignment or transfer of the debt from XXXXXXXX XXXX or XXXX XXXX XXXX XXXX to XXXX XXXX If the debt can not be verified, the XXXX XXXX account should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an issue related to Section 1681O of the Fair Credit Reporting Act ( FCRA ). I believe that there has been an error in my credit report that requires immediate attention. 

Upon reviewing my credit report, Experian equifax and TransUnion This discrepancy has negatively impacted my credit score and my ability to secure credit.

As per Section 1681O, I am entitled to dispute inaccurate information in my credit report, and I request that you investigate this matter promptly. I have attached copies of any relevant documents that support my dispute for your review. 

Please let me know the results of your investigation and any actions taken to rectify this issue. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I purchased a vehicle in XXXX of XXXX Santander finance it. I put down XXXX in XXXX the motor went pripr to that i had spent over XXXX in repairing it. Once the motor locked i ask them to come puck ut up because u couldn't pay on a tore up car plus try to get another car. They claim they auctoned the car off and still say i owe XXXX
Product: Credit reporting or other personal consumer reports

Comenity Wayfair was in fact contacted and sent multiple police reports in XXXX, XXXX of XXXX along with same information to XXXX. The account was charged without my permission by unauthorized user. The account was closed and I was informed in XXXX an investigation would take place and my credit would NOT be affected. This has not been the case. For over a year this is still appearing as negative on XXXX report. I contacted Comenity in XXXX, XXXX and spoke with XXXX in collections and he informed me that if I paid XXXX comenity would send a reversal of late payments for multiple months and XXXX report would only show paid in full and closed. It is now showing paid, charge off closed and over a year of charge off. Comenity has never sent investigation of unauthorized use and the wayfair card was sold to XXXX XXXX. I have disputed called complained. The unauthorized user has never been located. My XXXX  report is pristene all accounts paid on time and mortgage of XXXX paid off in 3 years there is no way Id let a XXXX bill ruin my credit. My other two reports are good. I just want Comenity Wayfair updated to reverse all charge off and lates as promised and XXXX to investigate properly. I filed a XXXX  complaint against XXXX as well for reporting inaccurate and erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account for visa card in order to finance part of the purchase of a timeshare with XXXX XXXX. The amount on the card was {$3000.00}. I paid the balance on the card prior to XX/XX/XXXX and never requested or received a replacement card, so I assumed the account was closed. 
XXXX XXXX, who was my wife at the time, was not an authorized user of the card, however, in XX/XX/XXXX she advised me that she had been using the card for some time. I don't know exactly how long, and she had accumulated a debt of over {$17000.00} on the card. She advised that a collection agency was trying to collect payment for the debt for Barclays Bank Delaware, and they had threatened to garnishee her wages if she did not pay a certain amount by a date certain. She also advised me that she was issued a card in her name on my account by Barclays. 
About a week before XXXX contacted me about this, I had received a letter from Barclays in which they claimed I owed them {$17000.00}. When I learned about the debt from my ex-wife, I wrote to Barclays advising them that I had not authorized XXXX to use my account and I did not assume any responsibility for the debt, and I requested them to remove the debt from my credit report. On XX/XX/XXXX Barclays responded to me that since their records reflected XXXX as an authorized user on the account, they considered the debt to me as accurate and they would not remove it from my credit report. I discovered from the credit bureau that Barclays had written the debt off in XX/XX/XXXX, although they had never mentioned any debt to me prior to XX/XX/XXXX. Since my ex-wife was never authorized by me to use the card, and Barclays never attempted to verify by me that she was authorized to used the card, I think they are attempting to extort money from me to pay a debt I did not incur or authorize, and I would like for them to remove the debt from my credit report and to not harass me about the debt again. My ex-wife did not reveal the debt in the divorce decree, because she intended to hide it from me. Therefore, because of her concealing the debt from me and the fact that I never authorized her to use the card and Barclays never attempted to verify that she was an authorized user and never notified me that charges were being made by XXXX on my account, I consider the debt her sole responsibility
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day hoping you are well. 

I am a XXXX individual who attempted to access his accuity and consumer reports from LexisNexis Risk Solutions. I contacted them several times about this issue, but without resolution. The agents were decently professional, but said they can not change their polocies, suggesting I call back, even though nothing is likely to improve. 

I am XXXX and can not read printed, mailled material ; I can, however, read electronic material. After some calls and attempts to leave feedback, the agency states it can not send me copies of my information in an accessible format, even though it apparently has an electronic way for consumers to access their information. ( It was not fully explained, but seems still to require a printed mailled letter. ) As such, this is innacccessible under the ADA and the Fair Credit Reporting Act, under which I sought to request my information. Similar financial instutions have accessible alternatives ; XXXX states it does not. I do not believe I am the only XXXX customer who was refused accessible access to his information. Note that the Social Security Administration used my information, which I attempted to access, in making a determination ; as such, I should be able to access information relied upon by the Federal Government in an accessible manner, especially when that administration affirms my ability to do so. 

I attached copies of written corespondences, as well as the SSA notice I received to contact the Company for my report. It does not seem to have a listed physical address ( see links below ). 

Home - LexisNexis Risk Solutions Consumer Disclosure https : //consumer.risk.lexisnexis.com/consumer? gclid=Cj0KCQjw5f2lBhCkARIsAHeTvlhoq7v99SmvpQGVBs97nCfvigBTYlszcjSocaxQ-RjK4-yJvMPt03oaAnhREALw_wcB Help - LexisNexis Risk Solutions Consumer Disclosure https : //consumer.risk.lexisnexis.com/help Please do not hesitate to reach out with questions. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several violations by XXXX XXXX and the XXXX major Credit reporting agencies has taken place. 

15 USC 1681 ( a ) ( 4 ) consumer right to privacy. Why are my so called " late payments '' being reporting and personal information such as involuntary repossession.

15 USC 1681a ( 2 ) ( A ) ( i ) Reported information can not be only transactions and experiences between the consumer and a company. 
I was not given the a chance to direct the information whether I wanted the information about a transaction to be reported or not as referenced in the the Gramm Leach Bliley Act. 
15 USC 1681a ( 2 ) ( B ) 15 USC 1681 ( q ) ( 3 ) Identity theft definition similar to REG V 12 CFR 1022.3 fraud is committed or attempted using the identifying information of another person without authority. 
Why is this information being reported and why if the account is closed has an updated been added since the closure of this account? No authorization has been given to XXXX XXXX nor any of the Credit Reporting Agencies to share, obtain, give out my personal information. 
All accounts are to be removed immediately. 
Violations carry a fine of {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I was notified my name was inthe XXXX XXXX and XXXX XXXX breaches, filed a claim wth XXXX and filed a FTC ID affidavit. 
This would be my third time sending some king of communication to Transunion. I promptly ordered a free credit report and found many erroneous names, addresses, ssn and accounts that were not mine. 
Transunion Fraud Dept gave me a claim # XXXX to help me remedy this matter quicker but, i was unable to download or receieve free credit reports as stated. 

I notified the credit bureaus and creditors and so far many errors have been rectified. 
Transunion has been the only company which has consisently violated my rights by not letting me able to dispute and then say the info was verified when the XXXX and XXXX have deleted these fraudulant accounts. 
Names on my report are not correct, addresses and accounts from addresses that are errors. 
Pursuant U.S.C 1681, I have right fair an accurate reporting of info on my reports. 
I am requesting these accounts be removed
Product: Credit reporting or other personal consumer reports

EQUIFAX DATA BREACH SETTLEMENT Based on the information you provided ; our records indicate your personal information was impacted by this incident. 
For XXXX XXXX XXXX XXXX, please call XXXX at XXXX and provide engagement number XXXX
Product: Credit reporting or other personal consumer reports

i have given this company the amount of days needed accordingly by law i am a victim of the equifax breach ive previously reported this along with the proper documentation supporting this and the company responds by asking for the exact information already supplied i have documented me sending this through mail with a return receipt requested with the following items int the package as asked for redundantly : proof of address proof of identity and proof i am a victim along with a copy of my ssn. this information was sent in PREVIOUS CFPB COMPLAINT 30 DAYS AGO
Product: Credit reporting or other personal consumer reports

i am submitting a complaint about Equifax, XXXX, and XXXX. these credit agencies are improperly reporting information on my credit report. here is a list of accounts that are improperly listed on my account... 
XXXX XXXX balance {$6400.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX balance {$4900.00} opened XX/XX/XXXX XXXX XXXX  balance {$23000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX  balance {$150000.00} opened XX/XX/XXXX 15 usc 1681b states that you need written permission by me before you can add anything to my report. i never gave permission for this account to be on my report.. PL 90-321 ( 82 stat 146 ) is a law that backs the code and is even stricter than 15 usc =1681b.. 
you are also not allowed to add information that contains transactions.. 
15 USC 1681e also was created to provide more accuracy to these reports and they are violating this code as well. 
they failed to comply the first dispute so i am entitled to {$1000.00} per violation... i have about 10 items that are inaccurate so {$10000.00} seems fair to me for them ignoring my complaint and being willfully non compliant. every company agrees to this law before operating and are clearly breaking the law by not following it. 
they are also violating the Privacy act of 1974 i also never received a privacy notice before they furnished any info to my consumer credit report... 
i was also never provided with an opt out option ... 12 CFR 1016.7 confirms that there needs to be an opt out option. 

15 USC 6802 b states you must give me an opt out notice before anything is added to my report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered an agreement with XXXX XXXX XXXX to pay off XXXX XXXX XXXX XXXX. According to XXXX my balance is XXXX According to Experian I owe XXXX. I have disputed this twice, the second time sending them the letter where XXXX excepted my payoff through XXXX XXXX XXXX. As of XX/XX/2021 Experian still reports I owe XXXX. What can I do?