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

In late XX/XX/XXXX, i went to XXXX to cash a money order in the amount of {$200.00} USD  from a friend in XXXX that was issued by XXXX XXXX. XXXX waits one month later and lies to me by telling me that XXXX XXXX money orders were no good in the USA and are now trying to extort {$230.00} from me. I contacted their corporate office and they were rude and vulgar towards me, despite me giving them the number to XXXX XXXX and for XXXX to contact them directly. XXXX persistently calls me up every day despite me telling them to quit calling me and to work with XXXX XXXX. I blocked their number on my phone and they use another number to call me and continue their harassment. I'm now at the point of having my number changed. They already charged me {$20.00} to cash a {$200.00} money order, whereas I received {$180.00}. Now, they want me to pay them {$230.00}. There's no excuse for them to wait one month and now contact me when they could talk directly to XXXX XXXX as they had 45 days to cash it before it becomes invalid. When they cashed the money order, they called XXXX XXXX, verified the money order and even received an authorization number, proving that it's good and valid. Now, a month later, they're harassing me with phone calls and trying to extort money out of me that I don't have as I have no income due to fighting with XXXX XXXX and trying to get my temporary total XXXX payments reinstated. My friend sent that money order to help me with paying rent and utilities. Please help put an end to this harassment, even if that means filing a lawsuit against XXXX? Thank you!
Product: Debt collection

I checked my credit report and notice a collection that I wasn't aware of. I don't have any contract with this or have received any correspondence from them explaining where they come from and how I'm to pay an alleged debt. The company simply went and bought a debt for pennies on the dollar and assumed it was mines instead of going through the proper channels and giving me my right to dispute. They are in violation of my FCRA rights. XXXX says the collection was open in XX/XX/XXXX on the other hand XXXX says it was open XX/XX/XXXX, and I'm completely confused with these discrepancies especially not knowing who this company is to begin with and how are they putting invalid information on my credit report stating I owe them a debt. I don't have a contract with them, I never signed anything with them, I never had a phone conversation, and I never received any mail from this company. They claims are false and destroying my credit it is hard enough to survive the pandemic and hold on to your credit especially when you working to become a homeowner.
Product: Checking or savings account

Bank of america account was hacked in the amount of XXXX and XXXX on X/XX/2017. The company refunded the funds, however refused to assist in further resolving our issues. They cancelled our card and froze our account, rendering our accounts unusable, forcing us to pay a few bills late. The customer service representative was combative and less than courteous when we asked her to not cancel our card until after we made our bill payments. She continued to cancel our card before advising us she was going to do so, then continued to tell us that the card had been cancelled AFTER doing so.
Product: Consumer Loan

Fortiva, has consistently marked my account as late when it is due on the tenth of each month ..but has a grace period of 15 days there after for the payment to be actually paid I have always made my payments within the 15 day grace period however they keep harrasing me saying that I am late. I have told them to read their contract ... but they continue to harrass me to no avail I am XXXX years and want these phones calls and harrassment from these people to stop their e-mail address is XXXXXXXXXXXX XXXX XXXX, XXXX, ga.XXXX
Product: Credit card or prepaid card

I send more proof of return to sender for my refund. I don't have the wig, because they request me to return, I did with there return label picture attach show. All I want is just my refund of {$110.00} I used my Chime Bank credit card for this purchase XXXX XXXX Note : You never had my dispute form and my evidens of document to make your denial, to close my case. You ignored my paperwork before it got into your hands to make your decision to close my claim so that's why I submitted everything back in for your review for my refund that's the right thing to do.and I should have to wait no 45 days for my refund because it was never reviewed from the first time. 

Copy letter : This what I send to my Chime Bank XXXX XXXX XXXX Here are my documents that Dispute refuse to review today. You didn't take the time to review my proof of fraud again this company XXXX For my {$110.00}. 

They requested the package with there label I did return to them the same day of recieving the package wig inside. That I did not order XXXX XXXX XXXX in NJ. Request the Dispute to contact him XXXX at XXXX to verify my claim return the package to get my refund back. They never contact him. In my Claim. This Company got the wig I return and my money if {$110.00} And I report this to my XXXX bank. In this matter.. 
Please contact me at XXXX XXXX XXXX
Product: Debt collection

In XXXX i came across a person that was advertising a opportunity to join invest into a business that was being promoted as a " online franchise '' that was going by the name of XXXX XXXX XXXX. After getting a bit of information from the guy through XXXX and seeing a couple of videos of him showing " income proof '' from people i was a bit more curious. He convinced me that the online franchise has a team of sales reps for people that close sales for you for people that have no experience closing deals and even had me talk with one of their top closers. After being convinced and having a long thought and being in a desperate situation they even metioned that they have connections that can get me funded so that i can get in on a there higher level packages. I ended up taking a loan out of XXXX with who they referred me too which was a lender that goes by the name of lending point. I was funded on XX/XX/XXXX in the amount of XXXX and was told to split that check in 2 and send the 1 check in a cashier check to the person that referred me to the system and 2 the person i talked to on the phone which was the closer. The rest of the amount was supposed to purchase traffic through traffic vendors. In which they provided within the system that linked to XXXX  XXXX XXXX XXXX..I was effected by the pandemic and was stuck paying off the loan. I have basically already payed to the lender about XXXX and it doesn't even seem like it has even put a dent on the loan and am still struggling financially from the impact that the pandemic has had and am beginning to get worried. I believe i had sent out a complaint to the ftc about this some time around XXXX and at this point have been trying to find and research for multiple alternatives because i believe that i shouldn't be paying back this loan when i was basically scammed. It was XX/XX/XXXX when i withdrew the 2 cashier checks and it was XX/XX/XXXX when i had the 2 cashier checks over nighted to the 2 addresses that iwas told to send them to.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress 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. '' XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information and they certainly do not have my written consent. All consent to Transunion, XXXX and XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( 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. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the above-mentioned companys reporting services.
Product: Credit reporting or other personal consumer reports

FICO, Experian, and XXXX have not update my records appropriately. I have hard inquiries and debts reflecting in the records of these companies that have been settled and were supposed to be removed from all records reported. There are auto loan inquiries from about XXXX  years ago and debts that were settled from even prior that are still on record in these companies and their false reports are damaging my credit XXXX point. 


I contacted each company on record myself when I cleared my XXXX account in 2022. Each derogatory mark and hard inquiry was removed that was reported on my account. My XXXX XXXX was above XXXX when the investigation concluded. I recently checked my FICO, Experian, and XXXX accounts and they still have not updated their records for the passed two year.
Product: Credit reporting, credit repair services, or other personal consumer reports

After providing feedback to Experian yesterday, I received an email notification from Experian indicating yet another intent to refuse to correct or remove inaccurate information from my credit file as outlined in the attachment to this complaint. 

My verifiable driver 's license and social security card has been provided to Experian on more than one occasion, including but not limited to an attachment to one of the complaints filed previously.

The numerous identity issues and inaccuracies have been brought to their attention in countless ways, including CFPB complaints which Experian does not take seriously either, and now they want to continue to claim, that multiple names not associated with me, don't affect my credit so they are not going to correct the information -as well, stating that they believe it is frivolous on my part to ask that this information be corrected.

I believe it is the full and willful intent of Experian to continue to alter my legal name and continue to financially and emotionally cause as much damage as they can.

It is now my intent to pursue all legal and criminal avenues available to me, against Experian due to the continued unwillingness to correct my credit report and to continue to play games.

The damage that they have caused is extensive and they are fully aware of this fact. 

Because they have yet again refused to follow the FCRA and have violated my rights, it is now time to make sure that the CFPB is aware of this latest attempt to cause me personal and financial harm.
Product: Checking or savings account

I filed complaint before XXXX .I had about {$2000.00} taken from my savings account and I received nothing each time I tried received same message error see financial institution no money I called bank and was told to keep trying I did did not realize money taken out when I did report it 5 resolved error occurred but at least 4 said no error I did not receive any when XXXX reported back to XXXX she said 7 were denied because they were illegal because used at gambling institutions she now said my account was being closed and I cant do anything about it
Product: Vehicle loan or lease

I have been trying to get Well Fargo Auto to correct two thing on my credit. The most important one is the charge off on my credit report because the balance was paid in full. I brought my car in XXXX, I was paying late after got injury work lost my job and had to go XXXX, but I caught up on my car loan it was pay off in XXXX my original amount of car payment amount was approximately {$900.00}, which I paid as agreed. But I was wondering why I havent received my title in XXXX. So Well Fargo Dealer Service said I still XXXX in Interest which I didnt know until i got a letter in the mail state that my account was sent to a Collection Agency called XXXX XXXX  XXXX .So I agreed to the Collection agency {$100.00} month and the fifth payment was to take the remaining balance, which was approximately for {$180.00}, they took out electronically for five months. I received my title XXXX, It even states on report my credit record that loan was paid in full. I was shopping for car a in XXXX at XXXX ran my credit and we saw that it said was paid in full/charge off. So the dealer and I called Well Fargo about issue and told me and dealer that my loan was paid in full and that they will fix the problem, remove It from my credit and send me my title in 10 days and they did send my title. So when I went to XXXX XXXX and traded in my car, with the title in hand. it still pop up again on my credit. So XXXX call them and ask how do u have this car as a paid in full/charge off and she has her title Theres is no way if her car loan was charge off she wouldnt have her title. He told them Im trying get her in a new car, but banks are going to give her a hard time. They said they would fix then. Then we ask why are there two Well Fargo on her credit report one said pay in full the other said paid in full also, then charge off. Then  theres two loan that are different, but its the same information. Again they told me it would be corrected. On top that why hasnt the credit bureaus remove from my report and its 13 year old. I call and filed a dispute with all three Credit bureaus and they did nothing. I have called Well Fargo myself and they couldnt explain what happened. Then Wells Fargo said that the partial number showing on my credit report dont exist.
Product: Mortgage

For two years now Chase Mortgage servicing has failed to pay our property taxes. The first time they sent us a check with no explanation which we later discovered was due to the fact that they didnt pay our taxes from escrow. When we notified them of a delinquent tax bill they said we should just pay it even though there were already late fees. After almost 4 months of trying to get them to do their job they finally paid the taxes with all the late fees. This first time was the result of a clerical error with the county. This year everything was correct in the county system and Chase sent us a letter saying they couldnt pay our taxes because our parcel number has multiple properties. This was not true and after receiving the letter we called to inform them of the mistake to make sure they pay our property taxes. Now it appears as though they are going to send another check this year instead of paying our taxes and we will have to waste countless hours to get them to complete their legally required job.
Product: Debt collection

The credit bureau is reporting a collections account on my credit report that is unverified. There is no validation of debt that was sent to me. I looked on the New York Secretary of state website and I saw the company was registered however it has been inactive since XX/XX/year> so how is it still on my credit report there is no way its validated. : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( company ) 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 2 : it also states a consumer reporting agency can not CAN NOT furnish my account without my written permission
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 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: Money transfer, virtual currency, or money service

I went to my local Chase bank to open a private client account I attempted to open with my international bill of exchange security they told me that they never heard of it and could not accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  Collections : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EMPLOYER : XXXX XXXX  XXXX Equifax Collections : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX XXXX
Product: Debt collection

I have spoke with the company maybe twice a few months ago and let them know that I will go into the branch and make a payment once i get a chance. Since then, i have gotten repeater calls from different agents and within a weeks time, my voicemail has been filled up with over 30 voicemails. This has happen over the last few weeks.
Product: Vehicle loan or lease

XXXX XXXX is my daughters boyfriend he opened the loan in my name and forged my signature on the loan documents. On the date in question I went to the dealership with them to see if I could assist with the purchase of a car. The dealer took a copy of my license for the credit check, there was nothing there they could afford with the money they had. I left the dealership since I drove my own car there I was no longer needed due to them not getting a car. In XXXX of XXXX I moved to XXXX when I went to try and purchase a car since I left the one I had to my son for school It was brought to my attention from the dealership I couldn't get approved for another car loan? I was confused because my other car was fully paid off. When checking my credit report I saw the loan from Santander Consumer. I contacted them requested the documents from the loan and saw that XXXX initiated this loan and signed my signature. I confronted him and my daughter and she denied it. I filed a police report with XXXX XXXX in XXXX and an investigation was started. XXXX is now incarcerated long term and the car is no where to be found my daughter states she doesn't know where it is. I need this vehicle off my credit report it has affected me significantly.