23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

transaction control did not work. 
debit card was turned OFF, however someone can withdraw money from my checking and saving accounts. 
what is the purpose of turning ON and OFF.?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX and XXXX with XXXX, XXXX and TransUnion with a copy of the police report over and lever, they dont do anything those accounts are due to ID theft, I didnt do them and never heard of XXXX and never opened any loans or accounts with XXXX XXXX XXXX I even sent them a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX inquries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX  inquries XX/XX/XXXX XX/XX/XXXX XXXX XXXX  inquiry XX/XX/XXXX XX/XX/XXXX have contacted company with no results
Product: Debt collection

XXXX XXXX XXXX is reporting on my credit report for XXXX XXXX ( a payday loan company ). In the state of Arizona pay day loans are illegal. I 've contacted XXXX and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Product: Credit reporting or other personal consumer reports

This was a follow up for the fraudulent items in my reports that I found and filed a complaint in https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiry which were being posted to my reports. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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: Credit reporting or other personal consumer reports

This company is reporting a late payment on my credit report I just want this item fix just this company goin against FCRA rules
Product: Checking or savings account

XXXX $ withdrawal from a non Wells Fargo ATM in XXXX XXXX Ca on XX/XX/2021. Posted to my account on XX/XX/2021. I contacted Wells Fargo on the early morning of XX/XX/2021 to report the fraudulent withdrawal. Wells Fargo waited till XX/XX/2021 to do any investigation about the the withdrawal. On XX/XX/2021 during that phone call they determined the withdrawal wasn't fraudulent because there was no inaccurate pin punched in and the chip was read. The bank has stated during several subsequent calls to the claims department that there is no way to replicate a chip on an ATM card. Today XX/XX/2021 I was transferred to the Wells Fargo executive office and spoke with an XXXX XXXX. XXXX told me he couldn't do anything to help me because the claims department told him the claim would not be reopened for further investigation. XXXX hung up on me. 
I am filing a complaint because I was not in XXXX XXXX and neither was my card. Fraud has been committed by someone, somehow and Wells Fargo has no concern for the safety of my account or my money. I am essentially being called a liar. 
I have made several attempts to rectify this incident with Wells Fargo. After my phone call today where XXXX stated he was sorry for " all of this '', I am feeling traumatized and victimized by the person who took my money and by Wells Fargo for further victimizing me by not believing me. 
I am willing to submit any documentation that I have. I am also willing to testify against them sworn in under oath. I am extremely offended by their accusation that I am going through all of this headache to take XXXX $ from them. 
I feel that Wells Fargo has acted against my best interests as their costumer and for your agency to please investigate them in this matter. 
I have attached two transaction that I physically used my card and the fraudulent ATM withdrawal.
Product: Debt collection

This company Transworld Systems Inc continues to call me and my little brother, too. They claim I have a debt, and I have asked them to provide documentation showing the debt. Yet, they continue to call and harass me and my little brother, and even admitted to using an automated dialer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft so i thought until i tried time after time credit repair after credit repair dispute after dispute to remove items that are not mine and are reporting in correctly. I have attempted for now 2 years to get these items fixed however with no success. I have submitted disputes with XXXX, equifax and XXXX. I have advised them that I have not had any inquiries in the past 8 years so for anything to show up on my credit is false. My last attempt was on XXXX XXXX 2020 i in efforts to dispute the inaccuracies submitted another letter and have yet to hear back from XXXX and equifax however XXXX sent the 4th postcard saying that my documentation can not be used. how is this when its one of the acceptable items to verify my address which is my utility bill. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are affecting my credit report. Please remove them so this does not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a chime credit builder account. The idea of the credit builder account is to help you build your credit with the money you have in your debit account. You cant spend money you dont have. However chime went ahead and pay a business money I did not have in my debit account now they said my credit builder account is in the negative which should not be because chime credit builder is not like a traditional credit card it doesnt allow you to spend money you dont have. I have however been paying chime on the balance they said i owe even though they were the one that allow a merchant to take money that was not available in my debit account to fund my credit builder. Chime has been incorrectly reporting my credit builder account has overdrawn and that was not the contract I signed with chime when I opened the account. ( its not a traditional credit card so it shouldnt be reporting as such because I was not given a credit limit from chime ). Chime has since went ahead and reported my account to the credit bureaus as 30 days late which violated the contract I signed for the credit builder account. Again I was not given any money by chime to spend that I didnt pay back so how could I be 30 days late. Chime was the one who paid a merchant money that wasnt available and based on contract I signed for credit builder account, this shouldnt have happened. I want chime to delete the 30 days late payment from my credit report immediately and to delete the credit builder account from report since it doesnt follow the guidelines based on the contract I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX my social security number is XXXX date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ny XXXX. i call XXXX office of consumer affair several time to tell them that i have fraud inquires on my credit file from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX, i stated to XXXX that these hard inquires arent mine and please can you remove them off my credit file but their response is that they refused to remove them, please take action against XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 CREDIT ACCEPTANCE CORPORATION has reported incorrect information to XXXX and XXXX as well as violated my rights under : 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

I have not given any consent, and no consent is a violation of my rights as a consumer. 

I have filed multiple disputes with the credit reporting agencies. No action has been taken by the company at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XX/XX/XXXX Transunion, and XX/XX/XXXX to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition before you start, Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes on XXXX and XXXX of XXXX and have not received anything but the standard its been verified letter from only one of the bureaus. Not once did any of the credit bureaus send me verifiable documents showing that these accounts should be on my report. These accounts I have disputed should not be on my report and I want them removed immediately if they can not furnish me with the documents I have requested. As a consumer it is my right under the Fair Credit Act to request 100 % viable proof that those accounts disputed belong to me. If this is not done, the credit reporting agency MUST DELETE THE ACCOUNTS. I am asking that the accounts listed in my disputes to XXXX XXXX - Equifax and XXXX be deleted immediately as they have taken well over the time frame and have not provided me with any kind of proof whatsoever.
Product: Mortgage

They are messing up our loan. Saying we didnt pay them. They sold our mortgage to another company. Now this company doesnt have any representatives. No real people to talk to I can do anything with these people. There is no help at all. Im completely disgusted with this company. Cross country mortgage has really messed up and then they dont have anyone to help. Only automated, its very frustrating!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a ftc identity theft report because XXXX, has put my information on the dark web, I am disputing XXXX  XXXX and XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX  XXXX, this information is fraud I want it removed from my credit report and blocked, my information is being used I have hired an attorney to sue XXXX for leaking my personal information, my social security number and my drivers license number and other personal information, Ive had to dispute accounts on my reports I have not open, the information does match my information because all my information has been exposed by XXXX in a data breach, XXXX and experian please remove this information and block it from my file, this information and accounts are fraud, please no fraud alert
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, tried again to get my report, Equifax asks questions that are ridiculous.
Product: Student loan

I had a XXXX XXXX loan serviced by XXXX ( i/a/o {$12000.00} ). Navient purchased the loan and took over servicing. I also have two other loans serviced by XXXX that are staying with XXXX. I received communication from Navient to continue making payment to XXXX and that Navient would receive any payments made during the period when the loan was crossing systems. Specifically I received an email on XX/XX/XXXX stating : " Expect a brief pause in service. It may take a few days to complete the transition. During this time, your account information will not be available. Any payments you make to XXXX during this time will post to your Navient account. '' On XX/XX/XXXX I received my monthly billing statement from XXXX indicating my payment was due on this loan ( i/a/o {$110.00} ) on XX/XX/XXXX. I made my payment on XX/XX/XXXX ( Saturday ) and it posted to the AES account on XX/XX/XXXX ( Monday ). I logged into my AES account on XX/XX/XXXX and the loan was no longer reflecting and the payment had been posted to my other two XXXX loans as an overpayment. I logged into Navient and did not see the loan they were purchasing so I waited a few days until I did see the account. It was reflecting a payment due on XX/XX/XXXX i/a/o {$110.00} ( which I had already paid to XXXX ). I also have not received a billing statement from Navient indicating the payment due ( as mentioned the XXXX payment had been included on the XXXX bill ). I emailed Navient on XX/XX/XXXX ( Tuesday ) asking why a payment was due on XX/XX/XXXX and why I hadn't received a billing statement from Navient or any other communication indicating that the loan had transitioned to Navient. The reason why I am able to log into Navient is that I had another loan with them ( which I repaid last year and thought I was done with them ). I haven't received a response from Navient so this morning ( Friday XX/XX/XXXX ) I called Navient to ask why the payment to XXXX hadn't been transferred to Navient and why I hadn't received any billing statement or other communication from Navient indicating the actual transition of the loan. The representative said that it was my responsibility to contact XXXX and ask for the money to be refunded and then to make payment to Navient. I think this is an unreasonable solution since I was billed by XXXX and paid XXXX. Navient purchased the loan and should have established processes to ensure uninterrupted service to the customer.
Product: Vehicle loan or lease

I have signed for a vehicle on XX/XX/2017 that has XXXX completely different sets of paper work. The second has the date of XX/XX/2017. My signature was forged on it and I have come to the dealership and the bank about these complaints and consumer rights violations and continue to be ignored. I was not disclosed to the rights that I had and I have sent out copies showing that both paper works are different and the banks and dealership copies have forged signatures. I have the original paperwork. They have copies. The annual percentage rate, finance charge, amount financed, total payments, and total sales price are higher on their copies then mine. Which means I signed out for XXXX price and was charged something different. These are clear consumer rights violations. 

My contract. 
Annual percentage rate : {$12.00} Finance Charge : {$8600.00} Amount financed : XXXXXXXX XXXX XXXX Total sales XXXX The Banks and Dealerships contract. 
Annual percentage rate : {$12.00} XXXX XXXX : {$8900.00} Amount financed : XXXX XXXX XXXX XXXX sales XXXX
Product: Vehicle loan or lease

Hello I purchased a used vehicle XX/XX/2013 ... total amount of loan {$15000.00}. Ive already paid {$20000.00}. Still owing {$3500.00}. There seems to have been an error either on Capital one or with XXXX XXXX XXXX. I just recently noticed my loan term of 72 months which is {$8400.00} more than my original loan amount. Capital One is unable to explain this therefore my only option is to report them. 

Respectfully XXXX.
Product: Money transfer, virtual currency, or money service

My Name is XXXX XXXX Western Union was supposed to transfer some money for me to the XXXX XXXX. They did not complete the transfer and they refused to reimburse me. I sued them in court and I was awarded the money plus court costs. I sent them a copy of the court decision with the amount of money they owe me but Western Union has been giving me the run down. Every time I call them, a new person sends me to another new person that tells me they will get back to me. My case number with Western Union is XXXX.
Product: Debt collection

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
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, XXXX 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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 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, XXXX 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 your reporting 3rd party services. Which includes the following XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a property in XXXX, Oregon with a mortgage with XXXX. An XXXX Deed was filed on XX/XX/XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX sold the mortgage to PNC Bank. PNC Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact PNC all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took PNC XXXX YEARS to finally finished the foreclosure of a property they already owned in XX/XX/XXXX. At that time, the credit bureaus updated my credit report XXXX 5 years after the recorded XXXX Deed XXXX that the mortgage was foreclosed. The incorrect handling by PNC and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting this agency and the company called as : JEFFCAPSYS and XXXX XXXX XXXX for the abuse of placing on my credit report a deceiving information that I am owning some money to pay in the amount of {$1100.00} when this charges were fixed and settled by XXXX XXXX top managers 6 years ago. I used to have this account and once I have travel internationally, my phone line was charged roaming for international data used when I did not requested any of that kind of service. therefore, I had reported to XXXX XXXX XXXX  as fraudulent action that XXXX XXXX has taken to get money from people. XXXX contacted and submitted my complaint to XXXX and some manager which I dont remember his name handled this mistake since it was not my fault. I was told at the time that my account shows {$0.00} balance and will be removed any damages. However, this JEFFCAPSYS do not understand it and refused to take it out of my credit report. XXXX XXXX should have records of their mistakes and complaints from XXXX  on file against them.
Product: Debt collection

We were contacted after an attempt to settle a debt for a lesser amount was refused. XXXX XXXX from synchrony bank called us to inform us that we had been improperly denied to settle the debt. She told us all we had to do was pay {$99.00} more dollars and the debt would be settled because we had at that poi t caught our payment back up, and played as much as we could. We paid the {$99.00} immediately, but now they are still claiming we owe the debt. We can not get XXXX XXXX to call us back or answer our calls. We have done our part and have only received generic answers from synchrony bank that solve nothing. Nobody has an explanation as to why we were called, but we supposedly still owe the debt in their system. Our payments were up to date when XXXX called us, so the {$99.00} was obviously not to get us caught up or anything. She stated that it would settle the debt in full.