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

On XXXX XXXX I did attempt to do 2 transaction through XXXX XXXX in the amount of XXXX ref # XXXX and ref # XXXX for XXXX ref XXXX for XXXX and XXXX as well as XXXX. I am filing a another complaint on Card.com due to these transactions being canceled and never credited back to my account. XXXX stated that all these transactions indeed canceled immediately therefore no money was ever processed and removed from my account. Card.com processes and sent funds somewhere. So I would like to request that both parties Card.com and XXXX XXXX provide complete documentation of the transactions that was provide proof of the successful trans action that XXXX XXXX canceled and stated that did cancel out and money never was received. XXXX XXXX should provide a complete documentation of the proof that each transaction did canceled out and never processed. I being going back and forth with these two companies and nothing has been accomplished. Each company states to me something different from what they say to each other but it is my money that was taken and no one seems to care that that is wrong. How can these companies be allowed to such and cause so much stress and the reps have no care in the world bout it. I submitted the proof of canceled transactions XXXX sent t o advise me that the transaction did not go through. And that was not enough but Card.com could see that Money for each transaction was successfully removed from my account but XXXX XXXX stated no money was ever received. To settle that we should be able to view some type of documentation of the canceled process and sent successfully process. This stress is really getting the best of me. PLease advise me on what steps I can take to get my money that was unrightfully taken from me. Card.com gave a credit and then reverse it it taken XXXX and XXXX and my deposit in the amount of XXXX
Product: Mortgage

My XXXX mortgage payment was missed due to an error by my credit union where the payment was drawn from. Dovenmuehle Mortgage contacted me via written notice. I called Dovenmuehle on XX/XX/XXXX to explain to the the situation and they told me that they will be foreclosing. The loan was 35 days delinquent and they demanded payment. I was able to pull funds from three different sources and sent cashiers checks on XX/XX/XXXX to cover the {$2700.00} XXXX and XXXX Payment that they said was due. On XX/XX/XXXX, Devonmuele sent a real estate photographer to my property presumably to list/foreclose my property. Dovenmuehle did not contact me nor did anyone have my consent to enter my property. Furthermore, Devonmuehl has been paid the amount due.
Product: Checking or savings account

On XX/XX/XXXX, I was scammed out of {$2000.00} through XXXX and XXXX by ( XXXX XXXXXXXX ) / XXXXXXXX XXXX XXXX ). On XX/XX/XXXX and XXXX, I contacted my bank, USAA, about the whole situation and they never told me the proper steps to take to get my money back. They just told me if the fraudulent check bounces then my account could go into the negative. My mom had to tell me to fill out a police report, disputes through my bank, and more. On XX/XX/XXXX, I did the disputes with USAA for the XXXX and XXXX ; the XXXX dispute was resolved but the XXXX charges they keep closing out. Literally, I contacted USAA 3 times in one day about why they kept responding with " there was no error '' with those fraudulent charges. USAA said they were waiting on XXXX to send a response which XXXX said they have my money on hold and waiting for USAA to send over a response. Then, USAA said it could've been miscommunication between them and XXXX or XXXX took too long to get back to them so they just closed out the XXXX disputes. USAA removed the credit they gave me while they investigated my disputes and sent my account into the negative as they were so quick to close my disputes. So I owed them money since they happily and hastily sent me into the negative and my mom had to give me money to get out of it. They never actively investigated or worked to get my money back from the XXXX charges and never treated me as a victim of scam. On XX/XX/XXXX, I reported them to XXXX XXXX XXXX and they took on my case and contacted USAA to get their response. USAA did not respond when they first reached out to them so XXXX  had to contact them again. Finally, they sent over a response that said " there was no error " and I clearly reported that I was scammed and they were fraudulent charges. On XX/XX/XXXX, I rejected their response and I am waiting to hear back from them! On XX/XX/XXXX, wrote to XXXX XXXX XXXX XXXX about this situation with USAA and I am waiting to hear back from them as i need someone to help me.
Product: Credit card

On XX/XX/XXXX and XXXX Bought from XXXX XXXX XXXX XXXX ) decorative masks= {$4400.00} to be shipped airfreight to XXXX XXXX XXXX Items not received until XXXX XXXX!!! XXXX XXXX declined to release them to me because packing ( inside items were ok ) was not properly fumigated as per U.S.Regulations. So, package was withheld. I disputed charges with XXXX and Citicard # XXXX ( {$4400.00}? and XXXX ( {$150000.00} ). Then vacationed in XXXX for XXXX month ( used Citicard there many times which proves we were there ) while in XXXX Citi requested more info by mail to our XXXX address. We of course did not get it in XXXX. So Citi denied our disputes. Upon our return, we spoke to Citi on XXXX XXXX, explained the situation and they allowed us to present our dISPUTES. XXXX days ago ( XX/XX/XXXX ) Citi denied disputes again they told us we had missed deadline!!!!! AS IF WE HAD NOT SPOKEN ABOUT IT BEFORE. WE HAVE NEVER RECEIVED OR HAD ACCESS TO our MERCHANDISEXXXX!!! Shipper 's internal memo clearly states they had NOT followed XXXX, XXXX regulations!!! Regardless, Citi will not revisit or defend our position. XXXX XXXX laws DO NOT Allow me to try to fumigate crate, but instead I would have to send it back at my cost. Our broker advised us costs and difficulty would surpass what we had already paid for merchandise and suggested best would be to abandon it to XXXX ( their daily storage {$190.00} daily would be enormous at this stage plus red tape for fumigating and returning, etc )-
Product: Credit reporting or other personal consumer reports

XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCY EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX RE : XXXX  Block Request Dear XXXX XXXX XXXX 
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX XXXX  # XXXX opened XXXX {$3400.00}, XXXX XXXX XXXX XXXX # XXXX opened XXXX {$25000.00} XXXX XXXX  # XXXX opened XXXX {$20000.00} is the Identify items resulting from XXXX  that should be blocked, Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please email me at XXXX XXXX
Product: Money transfer, virtual currency, or money service

Got a text saying it was from Bank of America that someone would be calling me about XXXX ( that is promoted on the banks web site ) about fraudulent transactions. They called on The BOA customer service line and and said to approve three transactions to reverse the fraudulent transaction. I questioned it and was told to look at the phone number called in on and it was BOA number. Three transactions went through for a total of {$3500.00} and boa denied my claim saying it was my fault. 
They have been no help. Please help. I have called many times to the bank fraud dept with no help. Bank of America promotes and has this service on there web site. They also will not give me the payment id that is 12 alpha numeric numbers that XXXX requests to file with them for a fraud dispute. XXXX says on there dispute documentation to go to the bank to get this.
Product: Credit reporting or other personal consumer reports

Documentation was sent to Select Portfolio Servicing with the following verbiage : Per the FCRA as a federally protected consumer, I am now opting out of any and all authorizations I, the consumer may have given you, written, unwritten, verbal and non-verbal per 15 USC 6802.

15 USC 6802 Obligation with Respect to Disclose Non Public Information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option I was never given the option to opt out, a form nor the process to opt out hence the reason I created and sent my own.

( 15 USC 1611 ) Criminal Liability for Willfully and knowing violations ( 15 USC PRIVACY ACT OF
1974 ) ( 15 USC 1681 ) Accuracy and Fairness of Credit Reporting It is ILLEGAL to report TRANSACTION HISTORY ( 15 USC 6801 ) PRIVACY AND OBLIGATION POLICY states it is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( 15 USC 6805 ) The enforcement, prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts to rectify the situation, I have been unsuccessful in resolving fraudulent accounts that have appeared on my credit report as a result of identity theft. 
As a result of a data breach with XXXX XXXX, my personal and health information was compromised, leading to unauthorized access and use of my details to secure various goods and services, including XXXX auto loans from XXXX XXXX  and XXXX XXXX. I have diligently disputed these erroneous accounts with Equifax in the past, yet to no avail. 
Despite my explicit requests for proof of the accuracy of this reporting from both the creditors and Equifax, I have been met with responses indicating that the accounts have been verified. This is deeply concerning, as it suggests a failure on the part of Equifax to adequately investigate and address issues of identity theft, as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ) Section XXXX. 
Also, the XXXX XXXX  account is reporting Charged OFF but reporting currently late as well. This is a plain reporting error that is evident.
Product: Checking or savings account

Wrote a check on XX/XX/2023 Pay to the order of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' for {$480.00}. Put in Blue Box in front of local post office. The check was stolen by unknown person and cashed for {$480.00} on XX/XX/2023. They did not alter the front of the check. However TD bank and XXXX together allowed the money to be withdrawn from my account. The scribbled initials on the back of the check are nowhere near looking like the pay to order this check is addressed to. I went to TD bank on XX/XX/2023 and filled out Affidavit of Forgery. Today is XX/XX/2023 I haven't received any correspondence from the back at all ( no mail, email or phone calls ) regarding this. Nothing to even say they are looking into it. I feel that both TD Bank and XXXX  are at fault for taking my money and giving it to a random person who didn't even bother altering the front of the check. To this day I haven't gotten my money back.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that are currently appearing on my credit report. Upon reviewing my credit report, I have identified inquiries that I did not authorize or recognize.

I would like to emphasize that I did not authorize or initiate any credit applications or transactions with the entities associated with these inquiries. Therefore, I believe these inquiries are unauthorized and should be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XXXX 1099-C ( Account ( XXXX ) XXXX ) CANCELLATION OF DEBT ( Closed XX/XX/XXXX ) credit limit {$15000.00} CANCELED DEBT {$9600.00}. See attatched Equifax Credit Report " VERIFIED '' by XXXX. XXXX FRAUDULENTLY CHANGED ACCOUNT NUMBER TO Account. ( XXXX ) XXXX Reported Sold Reported Date Closed XX/XX/XXXX Kindly Note credit Limit {$15000.00}. XXXX REPORTS INFORMATION CHANGING ACCOUNT NUMBERS??? Kindly Note THIS ( ACCOUNT IS ( XXXX ) XXXX ) credit limit {$3000.00} Opened XX/XX/XXXX?? How did the Cancelled Debt Account become a new Fraudulent Account to charge off?? DECEPTIVE UNFAIR FRAUDULENT CREDIT REPORTING
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

My home mortgage company was transferred from XXXX to NewRez doing business as ShellPoint Mortgage Servicing. Through my bank electronic service bill pay I paid on XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00}, and XX/XX/XXXX {$1200.00}. The company charging me some kind of fee, they will not tell me why but for not being up to date and keep on harassing me with foreclosure when I have already had my bank forward all copies of payments and correspondence to their litigation department loss mitigation. Tried handling this matter over the phone and they continue to assert that I am not current on my payments and late. When I look on their loan website my payment history shows all the incorrect dates and is still not showing all of my payments and this is becoming a problem as they are now reporting this to the credit beauru and affecting my credit.
Product: Credit card or prepaid card

I applied for a credit card with Discover with a credit line of XXXX. My application had got approved. While waiting on my credit card, an agent from Discover emailed me in regards to submitting additional documentation in order to have access to my card. They asked for my bank statements and tax documents. Ive already sent them my bank statements, which is not required to fill out the application for the credit card. Discover asked for my consent to review my taxes. I dont consent to sending my tax documents simply because its not a requirement when applying for a credit card or after once youve been approved. And because Ive already sent them my bank statements. I feel that they are discriminating me due to my race & my XXXX orientation. Im XXXX. No one else I know has gone through this process or are going through this process. Had I known or was made aware at the beginning of the application process, or even after I got approved, that l was going to have send in additional documents to get my credit card, I would HAVE NEVER took the time out to apply for this card if I knew I was going to be hassled & discriminated against due to me being XXXX and XXXX. Theyve already ran my credit and now its a hard inquiry on my report. Which stays on my report for 2 years. Which also makes me feel like they are trying to sabotage my credit score. So Im still confused in regards to why they are still wanting additional documents. Its my right to deny Discover consent to look into my tax information. I called Discover and I even asked why they need this information and I was told by a supervisor that I couldnt get that information for security reasons. Which is even more confusing because how can you not give me information thats pertaining to my account. So I need someone to reach out to me ASAP, because I want to nip this in bud so that it wont happen to me or anyone else.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX & Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX & Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX & Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts associated with these name ID # XXXX, XXXX, XXXX, XXXX Address ID # XXXX, XXXX Accounts associated with XXXX XXXX XXXX, XXXX XXXX XXXX-I never opened an account with them. I don't know who they are. 
Some of my accounts are over 5 years old. 
XXXX XXXX, XXXX, and XXXX credit cards are inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I was interested in an instant loan, my bank ( XXXX XXXX ) had offered me {$500.00} instantly for 4 payments of {$130.00} over 4 months. I called them to ask if I could get the same loan again but they are no longer offering it. I searched for other instant online loans and came upon uprova.com. I did not see any terms, financial interest rates or anything, until AFTER I sent them a ton of PII. Before I completed the loan, I looked at the installment documentation, and I would end up paying over 500 % in interest. I had no idea interest was going to be so high - if I did I would have never sent them any of my info. I applied online on Sunday, XX/XX/XXXX in the afternoon ( XXXX ). Since then I did not complete the loan application, they have called me 5 times ( as of XXXX XXXX on XX/XX/09 ). They sent me an email today at XXXX XXXX saying XXXX XXXX your funds are waiting for you. 
We just need you to sign your documents. * We recently received your application and you have been pre-qualified. * Your funds are still on reserve for you. There is only one thing we need ; your signature*. So that we can complete your request and send your funds quickly, please click on the button below and you will be redirected to our website where you can e-sign your documents. Once you have signed your contract with us, we can disburse your loan proceeds. * Sign My Documents Have questions? Visit our FAQ page to find answers to some common questions or give us a call at XXXX. 

Remember, you can pay more towards principal or pay off your balance at any time without penalty. 

Sincerely, Uprova Credit LLC Uprova Credit LLC Uprova Credit LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX *Important Information : Acceptance of your application does not guarantee funding. You will not be eligible for funding if underwriting standards are not met or if your application is missing required information, is inaccurate, or can not be verified. Please read all loan documents before signing. 
XXXXSame Day Funding may be available upon request and fees and restrictions may apply. Your financial institution may have additional requirements. Please contact your financial institution for availability and cost. '' I want to unsubscribe from their emails but the footer says : " This email was sent to : XXXX If you no longer wish to receive email communications from Uprova Credit LLC, contact our Customer Service Department at XXXX to unsubscribe. '' Why do I have to call to unsubscribe? I thought all marketing emails were supposed to be easy/simple to unsubscribe? I also don't know how to have them delete all my information and redact/delete anything I've sent them. 

Also the email address changes, today I've received emails from : Approval Dept XXXX Uprova XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm trying to get a loan for a mortgage on a house and equifax is saying that the applicant ( me ) is blocked and are n't giving my credit report to the lender. It 's been  three  weeks and I 've faxed them all my information that they 've asked for which was my Ssn and id and they 've told me that all three times I 've sent it to them that they have n't received anything from me. The first time I faxed them was on the   XX/XX/XXXX   then  XX/XX/XXXX    then again on the   XX/XX/XXXX   and nothing has helped
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help with a dispute that I sent on XX/XX/2022 regarding some inaccurate things on my credit report. It has been almost 30 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have violated my consumer rights by furnishing inaccurate information on my credit report. 15 USC 1681a ( 3 ) Congress made it clear that consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave them permission and they did not exercise their grave responsibility, they were unfair, impartial, and most importantly did not respect my right to privacy. I never provided them with written instructions nor gave my consent for them to furnish any information.