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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I REQUESTED TO WITHDRAWAL MY REMAINING FUND BY ELECTRONIC FUNDS TRANSFER TO ACCOUNT XXXX ROUTING NUMBER XXXX. THE BANK DID NOT SEND THE TRANSFER PER MY INSTRUCTIONS. THEY CLAIM TO HAVE SENT IT TO ACCOUNT XXXX BUT I CONTACTED MY BANK. THEY DID NOT RECEIVE ANY DEPOSITS IN THAT AMOUNT TO THAT ACCOUNT. THIS IS NOT THE FIRST TIME I HAVE HAD PROBLEMS WITH THIS BANK. THEY APPEAR TO BE STEALING MY MONEY AND TRYING TO CLAIM THEY SENT MY MONEY WHEN THEY DIDN'T. THIS BANK SHOULD BE INVESTIGATED FOR FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

I contacted Sentry Recovery and spoke with an individual who stayed I had one account that was owed a different amount than what my credit report states. Told to contact the original debtor and email them information regarding the discrepancies. I did so and was told i would receive something soon. Immediately after I called Sentry Recovery again with the update while speaking to a different individual and during this conversation she stated there were 2 accounts one which is from a time i was no longer there at the location listed. The amount was listed as nearly 2 times more than the other. When I asked to be emailed the confirmation of that debt listed while speaking to the general manager I was told they would have to mail it to me. I told her I have relocated and due to legal/victim status I can not provide that to her but I can receive it via email that they have on file. She stated via policy they cant do that. I asked her where on their website can i find the policy she stated she doesnt know whats on their website. I do not feel comfortable sharing any further information with the company number listed due to lack of knowledge on the facts and policies of their company. Moreover the companys General Manager who proudly made it clear she doesnt not have a supervisor.
Product: Credit card or prepaid card

From XX/XX/22 thru XX/XX/22 a Genesis FS Card customer by the name of XXXX XXXX used their credit card to fraudulently debit my XXXX account for 40 separate charges for a total of {$8300.00}. Since discovering the fraud and reporting it to XXXX, {$2400.00} has been returned, leaving {$5800.00} still outstanding. I am requesting that Genesis FS Card return this amount which they enabled their customer to fraudulently debit from my account using their financial instrument with insufficient oversight on their part.
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX credit card and made a large order. The order never arrived and I was supposed to be given a full refund of the amount on the card -- meaning I had XXXX balance on the card. The company never charged the initial amount back and listed it as delinquent. However the charges on the account were not mine -- I had in writing their agreement to charge back the full balance of the card. The card was closed without my permission and sold to a debt collection agency and is listed in collection on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report shows that I have a credit card account with XXXX XXXX XXXX XXXX opened on XX/XX/2017. This account is associated with an address of XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, which I've never been to. I filed a dispute, XXXX, with Experian while the result still shows the account belongs to me. 

I'm looking to : - Remove this account and its associated address in MO from my report. 
- Fix any negative impact on my report from this account, as it doesn't belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

It was sent as verified but its inaccurate never lived there accounts inaccurate not mine as well never got resolved been like this couple of years
Product: Credit reporting or other personal consumer reports

METHOD OF VERIFICATION REQUEST ( THIS IS NOT A REINVESTIGATION OR DISPUTE ) TO YOUR COMPANY. I HAVE SENT DISPUTES FOR ACCOUNTS ON MY CONSUMER REPORT. 
AFTER THE DISPUTES WERE FINISHED by your company, THEY CAME BACK UPDATED AND VERIFIED. 
THE ACCOUNTS THAT I HAVE DISPUTED ARE STILL REPORTING INACCURACIES IN THE DATE OF LAST ACTIVITY/STATUS DATE AND THE PAYMNET HISTORY AND WHO IS REPORTING. 
I OBJECT TO OPENING ANOTHER DISPUTE ( DO NOT OPEN ANOTHER DISPUTE ) I OBJECT TO OPENING ANOTHER REINVESTIGATION ( DO NOT OPEN ANOTHER REINVESTIGATION ) I am now requesting which is my right under the FCRA THE METHOD OF VERIFICATION USED FOR EACH INDIVIDUAL ACCOUNT LISTED FROM MY PREVIOUS REQUEST. 
I OBJECT TO OPENING ANOTHER DISPUTE OR OPENING ANOTHER REINVESTIGATION. ONLY GIVE ME THE METHOD OF VERIFICATION/DECRIPTION OF REINVESTIGATION PROCEDURE FOR EACH INDIVIDUAL ACCOUNT ONE BY ONE AND NOTHOING ELSE WITHIN XXXX DAYS. 
IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE XXXX DAYS ALLOWED UNDER THE FCRA, YOU WILL DELETE OR EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE XXXX  DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. 
DELETE : ( XXXX XXXX  ) ( XXXXXXXX XXXX  ) ( XXXX XXXX ) ( XXXXXXXX XXXX ) ( XXXXXXXX XXXX ) ( XXXX XXXX  XXXX ) YOU WILL UPDATE THESE ACCOUNTS TO PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY FOR EVERY YEAR AND MONTH REPORTING : XXXX XXXX XXXX XXXX )
Product: Consumer Loan

Portfolio Recovery is calling my workplace and sending mail to my workplace and also emailing my boss about my debt.
Product: Credit card or prepaid card

Re : Disputed transaction on virtual account XXXX Merchant : XXXX Date of transaction : XX/XX/21 Disputed amount : {$23.00} Dear Disputes Department, This dispute needs to be re-opened. The merchant has provided proof that the item has been received by the customer. However, upon receipt of the item, the customer found the merchandise to be defective. Congruent with the merchant return policy ( attached ), customer has made multiple attempts to return the item. The merchant return policy states that the merchant will send a postage-paid return label to the customer. However, merchant has failed to provide a postage-paid return label to the customer. 

Please see attached e-mails indicating multiple requests for a return shipping address and return shipping label. Such e-mails have been ignored by the merchant. 

Attachment 1 : E-mail dated XX/XX/21 directed to merchant requesting for a return label Attachment 2 : E-mail dated XX/XX/21 second request for a return label Attachment 3 : Merchant return policy Customer has also called merchant on XX/XX/21 to request a return label. Customer was promised to receive a return label but not return label was sent to the customer in order to return the item. The merchant is not complying with their return policy and hence the dispute needs to be re-opened. 


Please reverse the full amount of {$23.00} back to the mastercard account. 

Thank you,
Product: Checking or savings account

So the XXXX of XX/XX/2021, I Received a phone call when I heard the voice with accent I hang out, then was a second call and the person on the phone told me his name and that he was calling from my bank to confirm that I was on vacation in another state l said not Im not then he said their trying to used your card, and he asked if I had the card with me I said of course, then he had all my information thats why trust him, he said Im going to block this transactions, Ill send you a code and you give me the number to cancel it, he said you going to see them in sistem but is because Im canceling so I did give them the numbers but later I looked that my savings were moved so I hanged out and call right away to my bank and the lady who assisted me told me they still trying to make more transactions, I got scared and this lady took the report and 3 weeks later my bank send me a letter that it said my claim was denied and closed, Im so upset about it they cant just say forget about your XXXX dollars, I reported on time what was my mistake? That was 36 transactions that they made and the bank didnt see anything suspicious and they charge me even for the overdraft.
Product: Checking or savings account

As of XX/XX/year>, NAVY FEDERAL CREDIT UNION refuses to update my REVOCABLE LIVING TRUST name. To do so, they are demanding full trust documents and that is a violation of Trust PRIVACY thus Trust Law. The full trust document is not necessary for routine account setup, and any request for it beyond what is required for compliance or verification would likely be an overreach. Furthermore, due to the name change request, I found out that my REVOCABLE LIVING TRUST, opened back in XX/XX/year>, was opened using my Social Security Number ( SSN ) and not the Trust 's Employment Identification Number ( XXXX ). This was done without my knowledge and consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$350000.00}
Product: Debt collection

On XX/XX/year> I received a phone call around XXXX from a local number. I waking up as answering the call. When I answered a woman used my first name and stated she left a package at my front door. I said, " okay thank you ''. After hanging up I open my door and don't see any package there. I called the number back and let the woman know I don't see a package and that I live in a separate dwelling from the main house. She yelled and cursed at me stating she saw me pick it up. I said I didn't see any package at MY door. Within five minutes there is banging at my door. I open the door ajar and a short, XXXX XXXXXXXX woman with brunette hair uses her elbow to shove my door open and then throws paperwork in my face. Shocked by this I grab my phone and go out to my driveway to film her, her vehicle and her vehicle license plate. Her vehicle is parked at the end my driveway. She attempts to grab my phone and states. " the judge will hear about this and that she's allowed to be in my driveway because its public property ''. I let her know that my driveway is not public property and I'm allowed to film the person that just assaulted me. I attempted to get her license plate and that is when she tried to grab my phone out of my hand, punches me in my right eye, pulls my hair, stomps on my feet and chokes me. We proceed in a struggle where she tries to break my fingers. I'm trying to film while this is all happening. She eventually gets on her phone where the person on the phone tells her to drive off. I proceed to call XXXX and report the incident. I also look at the paperwork and contact the office and let them know what happened and that I want the name of the individual because I'm filing a complaint. The police arrive around XXXX. I submit a statement and have a copy of the event #.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.Despite having insufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices, where transactions settle with insufficient balance despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion to date still has not corrected the problem of incorrect addresses, known contractor and fraud alert after several attempts to contact them. 

I know who the person who did this is. XXXX XXXX XX/XX/XXXX. He is representing himself as my husband which is far from the truth. He had access to my personal information and took without permission any other information. This is currently under investigation and criminal charges will be pressed soon. 

XXXX XXXX XX/XX/XXXX first assaulted me in XX/XX/XXXX and again on XX/XX/XXXX. Shortly after I when I noticed that there is incorrect information on my credit report. 
I expect to have the addresses removed, the contractor listed at my XXXX XXXX and the fraud alert too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information reporting from a company named " XXXX XXXX XXXX ( XXXX  ) '' for {$280.00} and " XXXX XXXX XXXX '' for {$880.00}, every 35 days for SEVEN ( 7 ) months consistently. I have complained that about these collection companies with any help.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

USCB America appeared on my credit report for the following dates : XX/XX/XXXX - {$120.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$230.00}, {$44.00}, {$190.00}, {$70.00} XX/XX/XXXX - {$2900.00} I tried calling XXXX and they keep on hanging up on me unless I give them my social security number, address, and birthdate. Sounds like a scam. They don't want to give any information and it's damaging my XXXX XXXX. I refused to give my information so they just hung up on me. I put a XXXX  complaint already but I need help in fixing this. Thank you!
Product: Mortgage

In XXXX of this year I was fully up to date on my mortgage account and was still staying with in a month of no late payments. 
Bank of America is my lender and in XXXX I was offered the Coronavirus relief suspension of payments the following month and being I was still trying to recover from no longer working full-time from the loss of my job. This was 3 month deferment that I was able to access from XX/XX/2022 to XXXX XXXX 2022, at this time the deferement ended. The account went back to full-payment expectations with the current due amount of {$5500.00}. 
This was not a relief effort for families affected by the coronavirus, it was not explained well if this was the case I would have never taken this so called assistance. In speaking with the bank the 2 options are repayment plan adding more to the loan payment monthly once 2 payments are received and the other is applying for a loan modification but I will still be in foreclosure. Also they have placed me in foreclosure once this relief assistance ended and I was 7 payments behind.
Product: Credit card

I was looking for a new credit card with a minimum credit limit of XXXX XXXX dollars to pay my other credit cards using the promotions of some months without interest payments. 
Bank of America asked me on the application process many information like, how much I need as a credit limit, why I need this credit limit, and what are the accounts Im going to pay to justify my credit limit petition. 
Y sent the application and they told me that they will answer in a week. 
That day was the only day I used a Bank of America website after years, just to apply for a credit card. 
After some weeks I received the credit card with {$8000.00} credit limit. Not was I was waiting for. 
After some days I decided to open or create an account and see this credit card. I created my account and I saw there was a balance of {$7600.00}. 
When I made a purchase or when I made payments. I dont know. 
I never approved anything transaction. The only thing I did was apply for a credit card. How Im going to schedule a payment, if I didnt know the credit limit. 
Nobody can send payment or decide what to pay without my authorization.
Product: Credit reporting

Since XX/XX/XXXX I 've sent disputes to Experian informing them of inaccurate personal information on my credit report. I 've included copies of my documents as required. There are XXXX inaccurate personal information that needs to be removed from my report ; that 's XXXX inaccurate names and XXXX inaccurate addresses. See enclosed copies of my documents : Passport, social, utility bill and previous copy of dispute mailed to Experian on XX/XX/XXXX They were in receipt of my last dispute over XXXX days ago and nothing was processed!
Product: Vehicle loan or lease

on XX/XX/2022 i made a request in good faith as a Natural Being, under UCC 9 - 210 to Ally Company and its associates on XXXX thru the cfpb to produce documents in good faith, on XX/XX/2022 Ally Bank Responded in Error and somehow is above federal law and dont have to respond to consumer rights, Ally Bank has use deceptive language in there response, and causing me even more harm, by causing me worry and stress because they are not abiding by Federal Law. 

my request was simple produce a Record Authenticated to Prove you have a Legit Security Interest in this so called loan, Ally Bank sated i Entered into a Sales Contract as a response to my request under UCC 9-210, A Sales contract just proves i extended to you Ally Bank my Social Security number and there was a credit transaction performed not a loan and your sales contract only proves that, the entire process is was fraud, including not disclosing how you came up with a interest rate as well as forcing me to pay for insurance out my own pocket when that too should of been already included in the transaction. 

now Ally Bank in there response dated XX/XX/2022 basically didnt prove any security interest as legit lein holder but now using threating terms in there written response causing me more harm and more pain and stress to my family and mental state because now they are invading my privacy saying they stil will contact me and possibly come steal my property that ive purchased thru my line of credit thru a credit transaction, the UCC 9-210 would of provided the proof to show that it was never a loan but a credit transaction, now Ally Bank are XXXX XXXX and threating me with deceptive language and now i am Damgaged
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against Capital One multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$2500.00} / {$2200.00} on two cards and MY balance was approx. {$2000.00} on each card as of XX/XX/XXXX. I do not have nor received the information on card ending in XXXX. Cards were stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had XXXX of water from Hurricane XXXX after the XXXX tax day flood of XXXX. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the cards but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments on card ending XXXX that started on XXXX of {$2200.00} and returned the same day, on XXXX of {$3300.00} and returned the same day, on XXXX of {$4800.00} and returned on the same day. See attached statements. {$10000.00} of bogus payments within two month ON JUST ONE OF THE CARDS and not do anything???????!!!!!! Two months of FRAUD returned payments and they didnt contact me??!! Capital One should have been alerted on XXXX and contacted me then. I had asked for the payment methods used to make the fraudulent payments and Capital One denied the request. XXXX of fraud payments in two months ON JUST ONE OF THE CARDS and then cancel an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But Capital One did nothing and sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$10000.00} laying around to pay it off. Now Capital One holds me responsible because they dont have a modern system to alert them. To exacerbate the problem, Capital One concluded the fraud investigation after closing the account, after charging off, after selling debt of one card AND THEN LOWERED THE AMOUNT DUE!