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

XX/XX/XXXX I sent XXXX dollars for property purchase from Navy federal to the XXXX bank under my name. 

XX/XX/XXXX I received a call from XXXX  XXXX  that they cant not accept the fund since it is over XXXX dollars due the restrictions and advised me that Navy Federal should have known this. 

XX/XX/XXXX I have let Navy Federal know that it was rejected due to the policy and I asked when the fund will come back. 

XX/XX/XXXX Still dont see the fund back and I talked to the international wire transfer department and the assistant said that my branch should have been aware that over XXXX dollars is not allowed for wire transfer to XXXX and they have to send the fund back including the comissiom XX/XX/XXXX The fund is still located at XXXX  ( second back that Navy Federal used to do wire transfer ) and it still has not came back. 

XX/XX/XXXX I called the Navy Federal wire transfer and I was told that the fund might not come back if it was fraud. Then I was told that they sent the recall message to wellsfargo. 

It was not a fraud. It was the account under my name. Sending A bank to B. The maximum amount I could send was XXXX dollars and the Navy Federal branched in XXXX XXXX did not know and did not look up the regulations. At this point, they could not provide me the timeline and could not locate the funds. In addition, one assistant even told me there is a possibility I would not get the fund back. 

It is making me feel miserable. I sent the fund to purchase my first home here in XXXX and they even told me that the money I sent properly to my account would not come back to me. This process seems fraud and unfair to me and it occured due to lack of attention from Navy Federal. If I do not see the fund back for longer period of time, Ill open the lawsuit case.
Product: Credit reporting or other personal consumer reports

Original Creditor : Flex Lending Date Opened : XX/XX/year>, Balance Reported : {$3900.00} Current Status : Charge-off Reasons for Dispute : Lack of Notification : I was not notified that this account would be reported as a charge-off on my credit file, nor have I received any formal notice of such action. This omission constitutes a violation of my rights under the FCRA, which mandates that consumers be notified of significant negative actions being reported to credit bureaus. Violation of FCRA : Under the FCRA, you are required to ensure maximum possible accuracy when reporting information. The lack of notification and the inaccuracies outlined suggest a failure to comply with these obligations. Unverified Information : I request that Flex Lending provide verification of this account, including detailed payment history, any communications regarding this account, and documentation of the charge-off status. I respectfully request that you investigate this matter and provide me with a written statement detailing the findings. If the investigation reveals any errors or unverifiable information, I request that you remove this entry from my credit report and provide me with an updated copy. Please note that under the FCRA, you are required to complete your investigation within 30 days. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried messaging INGO MONEY app several times to honor my check deposit from the treasury but they locked me out of my account and theyre not responding to any of my emails
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information.
They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX - XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, under the account number ( XXXX ), and a personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has been used improperly by the credit reporting agencies Transunion, XXXX and XXXX. I did not give written consent for the reporting agencies to use my information this is a violation of 15 U.S. Code 1681s-2. I noticed the improper use on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Navient XXXX XXXX XXXX XXXX has been calling me consistently trying to get me to pay a ridiculous amount of money which I am unable to pay. I have wrote them letters telling them to cease all phone calls and only mail communication, request debt validity, and negotiate an offer for payment monthly. They responded they ca n't make negotiations through the mail. I called them in order to negotiate a price that was reasonable based on my income which would be {$100.00}. The guy told me the only amount that he can offer me is {$320.00} per month. I have an income of {$1600.00} a month which I have to pay child support, rent, utilities, food, gas, credit cards, etc. When he calculated all my expenses I was in the negatives. I told him I 'm not going to put my family in jeopardy if I ca n't afford $ 320 monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has unverifiable and inaccurate information on my credit report that has significantly ruined my score!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send this company a letter asking to remove all incorrect information on my report and have not receive any response.
Product: Checking or savings account

I opened a checking and savings account with Suntrust Bank on XX/XX/2021they took {$1600.00} and havent issued my money I tried calling and my Social Security or account number isnt coming up as of XX/XX/2021. Yesterday it did show up and said it in the process of closing my accounts. They wouldnt give me a reason why. That my stimulus money and I need that money I have a sick child at home. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. XXXX15 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 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. -15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. the accounts I am talking about are listed below : Delete all accounts immediately : Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Accounts : XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX
Product: Mortgage

The problem is : the Mortgage Company Mr .Cooper and now it they division : Right Path Servises not providing required Statements : Current Mortgage Statement, My Forbearance balance and total I owe with an interest rate in written documents I have to have to Reinstate the Loan and get out of Forbearance. I been trying to get it since XX/XX/XXXX, send them about 5 letters asking remove cease and desist and send me written statement, requested by Housing Counsellor, that they have to have to help me apply for the Grant, to Reinstate the Loan. I file 5 complaint on my account with my mortgage servicer. I have the record of that and number of complaint. They told me those documents does not exist because my Bankruptcy in XXXX. But use to get monthly statements before : like I got on on XX/XX/XXXX, I been calling many times, asked to talk to manager and they always tell me they cant transfer me to manager and they cant do anything. They proposed New Loan Modification that financially way worst then my existing, it same as buying brand new car for bank every 5 years, that for single mother a lot. I want to Reinstate the old loan, pay the Forbearance balance, and they preventing me from doing that, I cant apply for government grant that available to homeowners because I cant get a Mortgage ( Information ) statement from them. I dont know that to do. I need it ASAP!!! Thank You for your help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has has five fraudulent inquiries on my credit file that needs to be removed, I did not check my credit for these inquiries to show up please remove these inquiries off my credit report they fraudulent I do have screen shots of those accounts transunion has 7 inquiries on my report that are fraudulent I filed this CFPB to have them removed and the two XXXX XXXX XXXX XXXX accounts thats on my credit report also needs to be removed those accounts are fraudulent, I did not open those accounts, and I will send a ftc identity theft report please do yalls job and not ignore this ftc complaint it acts the same way as a police report, I do have screen shots of those accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX County Texas case number ( XXXX ) was dismissed and not a Conviction. Sterling has verified this with the courts as well and only removed it from XXXX XXXX XXXX  background check only. This case is also past 7 years old I am requesting that it be Completely removed from my background all together in case any other company run a background check for employment. Please see documentation from Sterling. 

Also XXXX County Texas case number XXXX should not be showing up on my background check either because it is past 7 years old. The document from Sterling say the filed date is XX/XX/XXXX in which that is incorrect. The filed date is XX/XX/XXXX in which it is past 7 years as of XX/XX/XXXX. I am requesting that this be removed completely from my background check all together not just only Sterling background check but whomever try to run a background check on me for employment. I have attached documentation for both. Per Sterling pre employment background check stated that it will go back within the past 7 years. So 7 years from XX/XX/XXXXwould be XXXX. Please see attached
Product: Mortgage

In XXXX my step-mother entered a trust allocated residential property into a reverse mortgage. The entities involved, did not contact beneficiaries. After our father passed away in XX/XX/XXXX, our step-mother, who was the sole trustee of the family trust, had no idea what her responsibilities were. She was in ill health and lacked XXXX  capacity. The house was almost paid off and she had adequate income to cover expenses. However, she had the front and backyard re-landscaped at over-market cost. She took out a loan, in addition to the existing mortgage, without consulting my brother or myself as beneficiaries. We believe her neighbors coerced her into having the landscaping done because she could not afford it. Later that year, in XXXX and XXXX, XXXX, she took out a reverse mortgage. Again, no one contacted either of us. The house was named in a family trust, and we should have been notified. We would not have agreed to this transaction. XXXX  XXXX  XXXX  Loan No. XXXX was paid in full when the house sold in XXXX XXXX, but without full agreement that we owned the entire amount. Our step-mother passed away just weeks after the sale. She was formally diagnosed with XXXX   XXXX in XXXX. However, her actions after our father died demonstrate that she was lacking in capacity as early as XXXX. The lien has been released on the house and so that issue is finalized. We are now requesting a refund of the interest and the insurance on the original loan, about $ XXXX. Because the house was named in the Trust, and we were never notified of the reverse mortgage, we are disputing the full pay-off amount. We have submitted our dispute to a few entities and have yet to have a satisfactory resolution. We believe that it was the duty of someone to inform us, as Beneficiaries of the Trust, before this transaction took place. It is clear that over the years, our step-mother was the victim of elder financial abuse and we believe her neighbors were instrumental in facilitating the actions that compromised the Trust assets. That said, XXXX  XXXX  XXXX, XXXX, XXXX and Celink, were all parties to this transaction, among others, were negligent in not informing Beneficiaries. Because my brother was the Successor Trustee, with DPOA, and we are both Beneficiaries, and because our step-mother had no clue as to what she was doing, we believe that we are entitled to restitution.
Product: Debt collection

Allied Collection Service ( Original Creditor : XXXX XXXX ) Account # XXXX in the amount of {$860.00} is NOT my debt. In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. I demand a block of this information that has been furnished without my permission. Allied Collection Service ( Original Creditor : XXXX XXXX  ) Under 15USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

You guys are in clear violation of the FRCA and my consumer rights. I Demand a deletion of this account effective immediately from my consumer report. If the account is not removed from my consumer report I will take this to a federal matter. 
XXXX XXXX XXXX XXXX XXXX beneficiary All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please view attachment below
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I filed an identity theft dispute with Equifax. In this dispute I submitted a letter indicating what information was fraudulent and that I was requesting for the items to be blocked pursuant to section 605B of the Fair Credit Reporting Act. In this packet I submitted a copy of my drivers license, social security card, bank statement, police report, FTC Identity theft report including all of the fraudulent accounts opened in my name, a copy of section 605b of the FCRA, as well as a copy of my most recent credit report with Equifax with each of the the items that were fraudulently opened in my name circled. I spoke with Equifax today regarding my dispute and was told that my request to block the fraudulent items from my credit report has been denied. I understand that the credit bureaus has a right to deny the block information under section 605 ( c ) of the FCRA. ( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Equifax has failed to provide me a reason why this request was denied which is required. I filed a police report with my local police department as well as with the Federal Trade Commission. I have sent both reports to all of my furnishers including all of the 3 major credit bureaus. The other 2 credit bureaus XXXX and XXXX   have accepted the same exact dispute and have removed the fraudulent information from my credit file. Equifax thinks that they don't have to abide by the federal laws of the fair credit reporting act which is why I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information they are reporting to my credit file and they have not honored my request and have responded to me! This information is affecting my credit scores in a negative way and they are violating FCRA regulations!
Product: Credit card or prepaid card

I contacted Target twice at this point and I supplied Target with the FTC report and a local police report as supporting documentation about the ID theft.   Target received the first letter on  XXXX / XXXX / 2017 , they did not update the account with the credit bureaus as disputed. They also did not respond to me personally at all. I spoke with a gentleman last week and again explained the situation, he agreed, Target had been made aware of the ID theft.   I just learned today, Target insists on continuing to report the account on my credit reports. It is my understanding, this is an illegal action on Target 's part. Target also continues to report back to the credit reporting agencies that the account has been verified. This is not possible. I did not open the account, how can they verify an account I did not open.
Product: Payday loan, title loan, personal loan, or advance loan

This company is not licensed to operate in the state of Georgia and charges an interest rate of 517 % which is also far above the interest rate legally allowed in the state of Georgia.