23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, You are in Violation of the Law. YOU ARE WILLFULLY NON-COMPLIANT. I AM A FEDERALLY PROTECTED CONSUMER AND I RESERVE THE RIGHT TO PRIVACY. YOU HAVE A GRAVE RESPONSIBILITY TO UPHOLD THIS! YOU MUST RESPECT MY RIGHT TO PRIVACY. I UNDERSTAND THAT YOU ASSUMED A ROLE IN ASSIMILATING INFORMATION ON ME A FEDERALLY PROTECTED CONSUMER!!! ***IN ADDITION, I DO NOT CONSENT TO E-OSCAR VERIFICATION*** Pursuant to 15 US 1681a ( 2 ) you can not report any information solely as to Transactions or experiences between the consumer and the person make the report. I am the consumer and Person is the cooperation. You have reported a collection, Derogatory and a Charge off on my consumer report. Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. Collections, Derogatory and Charge off are Transactions and Experience this is a violation of the LAW. Pursuant to 15 U.S.C. 1681 Congressional Findings and statement of Purpose ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibility with fairness, impartiality and a respect to the consumer right to PRIVACY. YOU MUST RESPECT MY RIGHT TO PRIVACY. YOU NEVER HAD MY PERMISSION TO REPORT THESE THING ON MY CONSUMER REPORT WHICH NOW IS NOW CONSIDERED FRAUD!! Please reinvestigate and delete the following accounts as they are violating my privacy - XXXX XXXX XXXX XXXX XXXX Account # XXXX. 
XXXXXXXX XXXX # XXXXXXXX. 
XXXXXXXX XXXX # XXXXXX. 
XXXX # XXXXXX. 
XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXXXXXXX XXXX XXXX XXXX # XXXXXXXXXX
Product: Checking or savings account

I receive payments from the VA in VHA which are being withheld by Coamerica bank without my knowledge me in without reasoning to why
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes in reference to the account from XXXX XXXX XXXX XXXX. The credit bureaus have intentionally disregarded ever effort I have submitted to have this account removed from my consumer credit file. XXXX XXXX ' the CFPB are able to get the credit reporting agencies to remove this item from my consumer credit reports. This item can not be verified or validated because it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Apply XXXX XXXX XXXX in XXXX of Minnesota XXXX XXXX XXXX, XXXX, MN XXXX phone number XXXX Date XX/XX/2023 I went in with a pre approval letter from XXXX XXXX told sales rep I only wish to work with XXXX  XXXX approval I have and do not wish to give consent to work with any other lenders, sales rep agreed, took my information moments later ran 5 hard inquires without my permission sales rep name is XXXX XXXX, Lied to my face this is against the law I did not agree to this and wish to continue forth with a law suite as my score dropped points to purse damages against my name. at this time I am now not able to purse any car as I will not get the APR from my credit as this company took that chance from me. 


n accordance with the Fair Credit Reporting act the inquires listed were not authorized by me and, has violated my rights. 
XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 Finance 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, also must prove validation of agreement listed by party.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax enclosed letter and not removing a temporary credit lock on my account
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have 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. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX and XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX.
Product: Credit card

Account XXXX. I noticed on my credit report the aforementioned account from Chase bank. Chase is reporting this account as a charge-off. Initially, I filed a dispute with the credit reporting agencies. XX/XX/XXXX, I sent a formal request to Chase via certified mail that Chase provide with evidence that I had contractual obligation to the above referenced account. Copy of the letter is attached. 

Chase sent a letter to me XX/XX/XXXX in which they are stating that account was sold to XXXX XXXX XX/XX/2012 and to contact XXXX XXXX for any account records. Upon contact with XXXX XXXX, I was told that XXXX XXXX can not produce any document that this account is mine. I called Chase and relayed the information to them and kept on getting the run around. At the end, the representative from XXXX XXXX. finally stated Chase does n't have any contractual evidence that it can furnish me ... 

Please note the year that Chase is stating when this account was sold, XX/XX/2012 is in the same time period for which the Consumer Finance Protection Bureau took action against Chase for selling bad credit card debt to 3rd party buyers. 

Since the 30 day limit has lapsed since I send the letter and that Chase can not furnish contractual evidence, these erroneous listing need to be deleted from all credit reporting agencies. They are severely affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus do not respect the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

I indicated a wire transfer through Wells Fargo for my purchases over in XXXX. The XXXX Bank decided not to fund my vendor the approperit amount resulting in losing my purchased items and not getting my money back. I called Wells Fargo and I asked to cancel the wire transfer, and they told me OK! I keep calling Wells Fargo daily to check on the status of my money. I called once, and they promised me that the fund will be on a Wednesday. I checked my account on Wednesday, and the fund was not there. 

I called again and I started to record the calls, they told me that within 1-2 hours the fund should be in the account. I checked at the end of the day, and the money was not refunded. I do not know why would they lie to me?

I called again 2 times, recorded, and they have informed me that the investigation at Wells Fargo is working on the case. So, at this point, I do not know who to believe. They lie to me thinking that I am just a child. The amount is not low to forget it and move on. Its a large sum of Cash that I am trying to build my trading career and these entities are trying to steal it from me. 


Please consider the request.
Product: Mortgage

On XXXX I sent a letter requesting information about a loan payment increase due to an escrow shortage. But, I my pmts were misapplied as mortgage pmts and I dont have a shortage. I also asked about my pmt history report. The company said the have 60 business days to respond, but have not and I have applied for a HARP loan that can not move forward until I get these issues resolved. They keep telling me they escalated the issue, then at end of the 12 weeks, I get a letter stating they need more time. But, 60 business days equals 90 calendar days and I still have to pay the aditional fee for the shortage, can not get my HARP refinance, and cannit get anyone to explain why it is taking so long to send the information requested and fix an escrow pmt error.
Product: Money transfer, virtual currency, or money service

ref. Western Union XXXX XXXX. Money transfer made by me on XXXX XXXX to my sister XXXX in XXXX, was improperly paid by mistake or fraud to an unknown person to me named XXXX in the XXXX XXXX on XXXX XXXX. 
To this date, I have made numerous attempts by service chat, emails and calls to Western Union, to supervisory levels and they continue to open investigations and escalations of my case without a positive resolution to my claim, to either return my money or pay the original intended recipient. 

I have my original receipt and records off all my calls and messages to resolve this issue.
Product: Money transfer, virtual currency, or money service

I made a transfer from Bank of America in amount of {$350000.00} to XXXX XXXX. The XXXX XXXX  account was provided by a fraudsters and this is a fraudulent cryptocurrency transaction being made. When I transferred, I didn't know the platform is a scam. The customer service request me to add buying power by transferring money to this account. After the deposit was made it unable me to withdrawal. This is a complete fraud. XXXX needs to be responsible to revise my transaction and Bank of America needs to investigate this matter for me.
Product: Credit card

This is in reference to complaint  XXXX . This dispute with  Synchrony Bank/JCP go es back to   XXXX   XXXX   XXXX  . The details are in the previous complaint submitted with CFPB. In   XXXX   XXXX  , I received a status update and the resolution stated that a balance was owing of {$17.00} to  JCP. P lease refer to the previous answer from  XXXX . I responded back through the dispute process that I did not owe {$17.00}. I never received a response back from my previous dispute of the {$17.00} balance owing. Now,   XXXX   XXXX   XXXX  , in checking my credit report,  JCP/Syncrony Ban k is reporting me 90 days past due with a delinquency starting in  XXXX . Again, please refer to the complaint number I have referenced. I contacte d JCP today and was told that I had a {$40.00} past due balance as the late fee that I owed (? ) was never paid there fore interest was accruing on my unpaid late fee. I have never had an unpaid balance, therefore could not have a late fee owing. I believ e JCP h as somehow messed up their data with the original problem of a CREDIT BALANCE showing as a past due balance. They corrected the credit balance by sending me a check but somehow their date still must show that I did n't PAY that amount and therefore a late fee was generated. It is such a mess and my score has gone from  XXXX  to  XXXX  today. I do have the supporting credit report information if that would be helpful. The other issue is that the gentleman I spoke with a t JCP sta ted that the late fee is on an O LD JCP acc ount - how does a late fee just show up on an old account?? Please help me - I frustrated beyond words.
Product: Debt collection

I have contacted XXXX XXXX XXXXXXXX on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and XXXX. XXXX, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to XXXX. XXXX  to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.
Product: Credit reporting or other personal consumer reports

Recently look at credit report on XXXX. On my closed account for US Bank credit card, I noticed that the date of the last payment was either incorrect or they were reporting the period of time I was late incorrectly. So I sent a dispute through XXXX and with no time at all there conclusion was nothing was wrong. 
Thursday, XX/XX/XXXX was sent and they sent results back early morning XX/XX/XXXX. Looked at the report after results and no changes were made. Just a long message from XXXX on how to get a reinvestigation. 

Error reported : Last Payment was XX/XX/XXXX Please explain to me if that was the last payment, how was it reported on time for XXXX and XXXX? XX/XX/XXXX was reported 30 days past due. Have emails from US Bank showing me 15 days past due in XXXX. 
Sent screenshots pictures of my report on XXXX with the highlighted dates and stated last payment for the dispute but I guess some how they didn't find any errors?
Product: Credit reporting or other personal consumer reports

I did not authorize the following item. I would like this removed from my report immediately. 

XXXX XXXX XXXX Acct XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history withXX/XX/XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Consumer Loan

I have XXXX issues with Summit but was only able to select XXXX issue below. I purchased a vehicle from Summit Financial XX/XX/XXXX. I 've never paid a payment beyond 30 days late until XX/XX/XXXX as I had became unemployed. I missed that payment and it has been affecting my credit ever since, I requested to have this payment deferred but they were unable to work with me in addition I 've sent letters to Summit requesting a resolution but they are continuing to report the late payment to the credit bureaus. In addition, I was recently informed that my loan was a interest bearing loan with 18 % interest rate and I was not informed of this during the sale or my many times talking to the agents at Summit Financial. I became curious as to why is my balance is still over XXXX when I purchased the car in XX/XX/XXXX for XXXX and my payment is $ XXXX/month. The value of the car in currently XXXX. I 'm unable to trade or refinance this car in as I 'm upside down, I want to find a resolution to get rid of this car as well.
Product: Debt collection

Midland Funding claims they own the debt but repeated requests to provide proof they own it have resulted in no response. This company has also re-aged the debt on my credit reports of all three bureaus.
Product: Checking or savings account

I opened an account at Chase Bank back in X/2016 and immediately started having problems with them. I made a deposit of XXXX which XXXX is owe to me from my accounts. I have been more than patient on waiting to be credit to me from this bank and still nothing till today.I am requesting a thoural investigation of this account has it had been tampered with by branch personnel employees. I had several different accounts where is my Chase Liquid Account balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Open new account line with Idaho Housing Financial without my permission.
Product: Debt collection

I lost my wallet and someone was using my ID and social security card but medical bills cell phones and other accessories I went to XXXX  behind all this
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX   XXXX : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem XXXX having with Experian is that these accounts are passed the statute of Limitations. 

Account Name : XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : XXXX
Product: Mortgage

XX/XX/2021, XXXX PM Called SPS, rep stated that client was denied for modification due to insufficient payment reduction. Only options at this time are short sale, reinstatement, and deed in lieu. The denial has been faxed over to us and we should receive it in about XXXX hours. 
XX/XX/2021, XXXX PM Called SPS, they should have a decision on the file by XX/XX/XXXX, or before, the rep advised me that they should have a decision within XXXX weeks of submission XX/XX/2021, XXXX PM Called SPS for an update, rep said that all docs were recieved as of the XXXX and it still pending decision, she mentioned we should follow up in a week to see if there is a decision made. I have asked several times for help from my mortgage company I have submitted many applications like I was told to by every person from my mortgage company I have asked for a loan modification each time they tell me that they never got my paperwork I sent so many applications requested so many call backs from a manager who could give me answers, but all I do is get lied to by my mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a written request to this company asking for further verification of the alleged debt they are reporting on my credit history. It has been almost 6 months since I submitted this request and I have not heard back from them. This is a direct violation of my consumer rights in accordance to the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : AVANT/WEBB - Account number : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.