23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AD ASTRA SERVICES is violating federal law 15 U.S. Code 1692e. False or misleading representations ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney
Product: Money transfer, virtual currency, or money service

Hello. I rarely use international transfers, I used XXXX and Western Union without any problems. On XX/XX/21 I made a {$3600.00} transaction in XXXX to my son from my bank XXXX XXXX XXXX XXXX XXXX via Western Union. In XXXX, because of the covid protocol, there were restrictions in the work of the Western Union, then they did not have a sufficient amount (! ), then they said that there were some problems with the transaction. I called Western Union to confirm the transaction onXX/XX/XXXX, but they just transferred the money back to me. Okay, I went to Western Union located at XXXX store in XXXX TX. There I was told that they did not have the entire amount (! ) And I had to go to the other store. I tried to convince them that I do not need money and I want to send the entire amount to XXXX again. I said that they shouldn't give me the money, they would just forward the transaction. But they refused and said that it looks like a scam!!! A few days later, about two weeks ago, in Western Union located in XXXX XXXX TX, I asked to resend money to my son again. The employee tried several times but without result. Then she returned the entire amount of {$3600.00} + sending fee to me and tried to do the whole process from the beginning. She didn't succeed ... She advised to try again in a few days. But I got the idea! I have an account in XXXX, but the custom service told me they do not make international transactions and advised XXXX. Oh XXXX! A huge company! They can help me! I opened an account, confirmed my identification and the identification of my bank. My son in XXXX did the same. XX/XX/21 I tried to make a transaction : {$3600.00}, {$1800.00}, {$360.00}, {$180.00} but only {$18.00} succeeded. I thought because I'm a new client, my account has restrictions or a limit. But XXXX custom service reported that my account is transparent/clear and does not have any restrictions or limitation. But they see that my transactions do not go through the XXXX XXXX XXXX. What is the reason for this they do not know and advise me to try it in 48 hours and my son should make a payment request. We did it. My son made a request and I waited 62 hours. As you already understood, I could not make a transaction today... This is money for my son for a wedding and this is the my first gift for this. This is a transaction from a legal person to a legal person, from a legal bank to a legal bank, from legal money received from legal work! My son and I do not have any criminal or financial problems and I hope this is some kind of mistake and can be easily fixed! Sorry for the long post, but I tried to make a complete picture. Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tenant from XXXX XXXX XXXX to XX/XX/XXXX at XXXX XXXX at XXXX XXXX  XXXX in XXXX XXXX. 

Never was late on rent, paid everything on time and gave a 30 day notice to vacate. 

6 months AFTER vacating, having moved to XXXX  with my brother ( my brothers contact info was listed on my application ), XXXX of XXXX XXXX XXXX leaves message on my brothers answering machine I owe money for damages. 

XXXX of XXXX XXXX  has also fraudulently kept my entire deposit. 

XXXX of XXXX XXXX  has fradulently reported these fraudulent charges which are not mine to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX damaging my credit due to an account that and fraudulent charges that is not mine. 

XXXX of XXXX never informed me of any damages the first 30 days for I made none minus some cleaning costs incurred. 

I never ever received any mail regarding these so called damages within 5- 6 months of me moving back to XXXX  at my brothers house . Never heard nothing.

1- I am contesting all fraudulent charges. No damages of my doing were done under my tenancy nor was I notified within 14-60 days and not until aprox 5- 6 months later of damages not mine, nor my account.

2- Landlord has a duty to notify me 2 weeks to 30 days upon move out regarding deductions of deposit and any all damages under my tenancy. That did not happen.

3- Account of damages does not belong to me.

4-This is continued harassment and fraud months after vacating XXXX XXXX, with XXXX knowing I was moving back to XXXX. 

5- XXXX harassed me during tenancy putting holes above and around my toilet, shower and above my bed I was forced to cover for my privacy. 

Please remove all fraudulent charges and negative info off my credit reports 3 bureaus report immediatley. 

This matter was removed off my credit and XXXX/XXXX  placed it back on there after I attemped to contest this matter prior. 


deduct fair charges for cleaning and other charges that may apply by code and reimburse me the rest to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Ca XXXX lastly remove all and any negative marks on all 3 credit bureaus at once and not to fraudulently add these fraudulent charges back on my credit report for the 3 third time, since he has done that previously twice already.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX Date of Birth : XX/XX/XXXX SS # XXXX Date : XX/XX/XXXX To Whom It May Concern, I received a copy of my credit report and found the following items are in violation of the law.

There are laws that are put in place, and YOU must follow and clearly you have broken the law with these errors ) on my consumer report below. I never received any statements for the following accounts, which is violation of U.S Code 1666. I never received a statement delivered 21 days of the due date.

Pursuant to 15 U.S.C 1666b ( a ) a credit may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose. 
Please update the following account below : Account Name : XXXX Account Number:XXXX I demand these violations be removed and/or updated on my consumer report immediately. 
You never conducted a investigation prior to adding these remark on my consumer report, so a reinvestigation is necessary. I understand that under 15 U.S.C. Sec. 168li ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Sincerely yours, Company continues to furnish fraudulent information to my report. This is a direct violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$8100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$4500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 2. XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, 2016 with a credit limit of {$8100.00} -This is not my account.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XXXX - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still showing on my credit reports, this is a debt that 's over XXXX years old and should automatically be removed from my credit report, the debtor has written this debt off and due to new law ruling passed effective XX/XX/XXXX, no judgments are to be reflected on your credit report also due to : Federal Trade Commission, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, Better Business Bureau, Advocates for Fair Credit Reporting this must be deleted from all 3 credit bureau 's effective immediately and to date this has not happened after several letter attempts to Transunion, XXXX  and XXXX by law this is illegal. Please remove from all 3 credit bureau 's immediately. I was advised from a free legal counsel service which advised it is against the law for XXXX XXXX to attempt to sue for garnished wages of which they attempted to do in XX/XX/XXXX, even the court advised they are not allowed to attempt to ever sue for garnished wages again.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unauthorized inquires on my report i did not give these company approval to make a hard inquiry to my report. This is causing me problems as to i can not provide for my family due to lake of credit approval. Please kindly remove them from my report. Thanks
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 is the inaccurate information that is reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

account from XXXX XXXX, that I did not authorize and know nothing about, called XXXX XXXX and requested a copy of the original service/credit file. XXXX XXXX responded that the account had been sold to a collection agency ( XXXX XXXX ) ( XXXX ) To request a copy of the credit/service file I requested from the original creditor. I have been unable to reach anyone at denaili capitol. I am requesting the full original credit/service file that includes signatures of whoever opened this account, ip addresses, credit card/routing numbers of the payments that XXXX XXXX state were processed . I need the requested information to validate/disprove debt. I t is my right to request the documents from the creator/collection agency. I am a identity theft victim and need proof of the account. I can supply a fraud affidavit from the ftc and police report if needed.
Product: Debt collection

Transworld Systems Inc. is trying to collects a debt I do not owe from their client XXXX in XXXX Texas XXXX. I NEVER signed any documents, never received any copies of my signature of a membership due to the membership being a gift from my mom. Because of a gift, I owe XXXX and do not wish to pay the amount due to something I never signed up for. I want this disputed and off my credit report. Every document has my mothers signature, Please talk with this company and remove me off the list and all lists. Thankyou
Product: Checking or savings account

I received letter from Wellsfargo bank dated XX/XX/2019 saying they will close my checking account. They did not give any reason other than some risk management. I did not do anything wrong. I called to complain and they said to refer to their policy. They said they have right to close account. They would not give explanation. Stupid way to do business and inconvenient people without good reason. Wells Fargo should be shut down if this is how they do business.
Product: Money transfer, virtual currency, or money service

Hi, I was given a fraudulent electronic check by an individual I was selling furniture too. On XX/XX/XXXX, I received {$2300.00} as a check and deposited it using Chase mobile app. The amount requested was {$1100.00} however the buyer said they were given this check in this amount as a relocation bonus from work and I can deduct the XXXX and return the rest once the check is deposited. On XX/XX/2022, I noticed the money was available in my balance at around XXXX. The buyer had reached out asking for the rest of their money. I first called Chase bank in XXXX, PA and spoke to an employee of the bank to confirm the money was available and that the check had cleared. I was told the check was cleared and that the money was good to use. I then proceeded and sent the remainder of the money to the buyer using XXXX through chase app. Later that day, around XXXX, I noticed the money was deducted from my account and when I called Chase , they said the issuers account was frozen from the other bank. The transaction turned out to be fraudulent. I called numerous times and spoke with many supervisors and explained the situation. The said that because I used XXXX, I submitted the transaction and Chase can not reimburse me. The claim was denied. I called many times again to have them understand that the issue was from Chase and not XXXX. I called Chase to get confirmation that the check was cleared and I was told it was. I would have never sent money through XXXX if I was told that the check was not fully cleared, that I should l wait. But I was given the green light which ended up with me losing {$1200.00}. After endless calls, the last claims manager understood they made a mistake but said they could not do anything about it. Please help me with this issue.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

NAVY FEDERAL CREDIT UNION I HAVE A CREDIT CARD ACCOUNT WITH NAVY FEDERAL. MY LIMIT IS XXXX. I ALWAYS PAY MY CREDIT CARD AMOUNT OFF EVERY MONTH. 
WHEN I SPOKE TO AN NFCU AGENT TODAY, XX/XX/XXXX SHE LOOKED AT THE CRITERIA I SPOKE ABOUT AND INFORMED ME THAT UP UNTIL TODAY, FROM XX/XX/XXXX TO XX/XX/XXXX XXXX I HAD DEPOSITED XXXX INTO MY CREDIT CARD ACCOUNT. 
SHE LOOKED INTO AND STATED SHE ALSO FOUND AN ERROR. SHE COULD NOT FIND A XXXX DIFFERENCE. 
I FEEL THAT MY ACCOUNT IS BEING TAMPERED WITH. 
I AM A VICTIM OF FRAUD AND NFCU DOESNT LOOK INTO IT THOROUGHLY. I WOULD LIKE 3RD PARTY INTERVENTION. 
I PAY MY CREDIT CARD AMOUNT OFF EACH MONTH. DURING THE PERIOD OF XX/XX/XXXX UNTIL XX/XX/XXXX I DEPOSITED XXXX I DID NOT PURCHASE ANYTHING LARGE OR UNUSUAL. THIS IS NOT NORMAL FOR ME. 
I USUALLY IMMEDIATELY ADD MONEY TO MY CREDIT CARD ACCOUNT TO KEEP IT UPDATED SO I CAN CONTINUE TO USE IT AND KEEP A GOOD CREDIT SCORE. THIS IS WHERE MY PROBLEM IS I BELIEVE. 
I REALIZED I HAD DEPOSITED XXXX. WITHIN 5 WEEKS. 
WHEN I CALLED TO FIND OUT WHAT WAS GOING ON I WAS GIVEN VAGUE DISTURBING ANSWERS. AFTER TRYING TO FIND OUT WHAT WAS GOING ON I NOTICED THAT THERE WAS A CHANGE TO MY CREDIT CARD ACCOUNT. 
THE CHANGE WAS THAT I NOW OWED XXXX  $ FOR XX/XX/XXXX AFTER DEPOSITING ALL OF THAT MONEY. 
I CALLED NFCU AGAIN. I NOTICED AFTER I MADE THAT CALL THE XXXX   $ PAYMENT WAS REMOVED. 
THIS US DISTURBING. 
I DO NOT UNDERSTAND HOW I SPENT XXXX IN 7 WEEKS WHEN MY CREDIT LIMIT IS XXXX AND I CONSISTENTLY PAY IT OFF. 
I WROTE TO THE NCUA AND THEY STATED THAT AFTER CAREFUL CONSIDERATION, MY CASE SHOULD BE REFERRED TO THE CFPB. 
I BELIEVE I AM MISSING MONIES ESPECIALLY SINCE I WAS INFORMED THAT THERE WAS A XXXX $ DEFICIT ON XX/XX/XXXX BY A NFCU AGENT SUPERVISOR.. 
THE REASON I CALLED TODAY WAS BECAUSE I NOTICED A DISCREPANCY. THERE WAS XXXX BALANCE AND A XXXX XXXX $ PENDING TRANSACTIONS. 
I ADDED THIS AMOUNT UP. IT CAME TO XXXX. I SUBTRACTED THIS FROM FROM XXXX, MY CREDIT LIMIT THE AMOUNT WAS XXXX. 
MY AVAILABLE BALANCE WAS XXXX. 
WHEN I CALLED NFCU AND SPOKE TO AN AGENT. I THEN ASKED TO SPEAK TO A SUPERVISOR. AS I WAITED I PULLED UP MY STATEMENT AND LOOKED AT MY STATEMENT AGAIN. THE BALANCE HAD NOW DROPPED DOWN TO XXXX. 
I COULD NOT UNDERSTAND IT. I SPOKE TO THE SUPERVISOR OF MY CONCERNS. THEN SHE STATED THAT SHE WOULD HELP ME. SHE INFORMED ME AS OF TODAY I HAD DEPOSITED XXXX INTO MY CHECKING ACOUNT AS OF XXXX XXXX. SHE INFORMED ME ABOUT A XXXX DEFICIT. 
INCIDENTALLY.. 
IT SEEMS THAT WHENEVER I GET A LARGE SUM OF MONEY I AM MISSING MONEY IN SOME FORM .ON XX/XX/XXXX, I RECEIVED A DEPOSIT OF XXXX. I IMMEDIATELY PUT XXXX IN MY CREDIT CARD ACCOUNT. BY XX/XX/XXXX I HAD ADDED AN ADDITIONAL XXXX. WHERE DID IT GO I WOULD LIKE CLARITY IN THIS MATTER.
Product: Credit reporting or other personal consumer reports

There are errors on my credit report due to unauthorized hard inquiries, which fall under 15 USC 16c-2. Please remove them at your earliest convenience.
Product: Other financial service

I saw an ad on Facebook that a friend posted saying this company could help reduce my student loans and after I paid monthly payments for 30 months my loans would be forgiven. I signed up. For the first 3 months I paid {$150.00} and then after that I paid XXXX a month. I had to renew 2 times so I could still be enrolled in the program. I got a call from my loan provider that I was behind and we need to solve this, I said no I 'm in a repayment plan through this other company each month I pay comes out automatically through my checking account. The lady from the loan company said no you have n't paid since last XX/XX/XXXX. I said where has my monthly payment been going and she said not to your current student loans. She said to call the so called company and have them stop payments or call my credit union. I did call both places. If my loan company had n't called me I would still be paying and my loans would stay and the same amount forever. I 'm glad that I answered that call. Documents I have attached are the contract I had to sign and complete before I could get help, and transactions saying I had paid but does n't say what it was paid to. Also is an email I get from payment company every month.
Product: Credit reporting or other personal consumer reports

I have been attempting to freeze my credit file a Experian for the past two days. In order to do this, the online website says to create an account. I went through the process, but I keep getting an error message. The website displays a customer service contact number, but this phone number only leads to an automated system whose only purpose seems to be to direct people back to the website which doesn't work for me right now. All attempts to speak to a representative only leads me back to the same automated phone system. As a result, I am unable to freeze my credit report.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally lodge a complaint against the three major credit reporting agenciesXXXX  Equifax, and XXXXregarding the wrongful and harmful information they have reported on my credit reports. These inaccuracies have caused significant harm to my financial standing and were reported in direct violation of the Fair Credit Reporting Act ( FCRA ) guidelines. 

Despite my efforts to dispute the erroneous information with each bureau, they have failed to correct the inaccuracies, thereby neglecting their duty to maintain fair and accurate credit reporting. As a result, my creditworthiness has been unjustly impacted, leading to denial of credit, higher interest rates, and unnecessary stress. 

Attached to this letter, you will find detailed documentation outlining each violation committed by XXXX, Equifax, and XXXX. These include instances of : Inaccurate reporting of accounts. 
Failure to remove disputed items in a timely manner. 
Reporting outdated and obsolete information. 
Ignoring my formal disputes and not conducting a reasonable investigation. 
According to the FCRA, each of these violations entitles me to compensation of {$1000.00}. As outlined in the attached documentation, the total number of violations amounts to XXXX ( XXXX ), bringing the total compensation owed to me to {$10000.00}. 

Attached, you will also find an invoice totaling {$10000.00} for these violations. I respectfully request that the CFPB intervene in this matter to ensure that XXXX, Equifax, and XXXX rectify these errors promptly and compensate me for the damages incurred as a result of their non-compliance. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to ensure that these agencies are held accountable for their actions and that my rights as a consumer are protected. 

I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX