23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I went on the Rate Genius website to inquire about refinancing a car loan on XX/XX/2020. I was requesting information on their rates and process. I entered my contact information which did not include my SSN. A couple of days later, I received an email that I had been approved for a loan. I never applied for a loan. I reached out to the company and was told that they had the right to pull my credit based on me reaching out to them for the inquiry. I do not understand how this is proper or fair to the consumer. This seems like the same unscrupulous behavior that caused problems for XXXX XXXX. The inquiry should be removed from my credit reports.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2023 my sister ( XXXX XXXX, the sender ) sent me cash through Wester Union ( a money transfer service ) for an extreme medical emergency! I did not receive those funds in a timely manner, yet they charged her a substantial fee to send only XXXX  within the United States! 

Western Union never released the money and gave us the run around for nearly two days! After several calls to Western Unions off-shore fXXXX XXXX, they could not help us and disconnected each call! 

One of the problems was when making attempts to retrieve the funds they were unavailable to me, and was given the run around on several calls to release the funds! They would never disclose why or how to resolve this Matter, other than have my sister call Western Union over and over all those long days of waiting. 

Three time Western Union asked me for her birthdate and her year! I was suspicious and reluctant to give because this is a lot of fraud and I'm speaking to off-shore personnel that should NOT have authority to her confidential and private information! 

After releasing my sisters date of birth information to Western Union, they still would release the funds at all! And demanded for my sister and myself to call them over and over again with the same request! I had a medical and move-in cost emergency that needs to be paid immediately! 

Western Union created stressful damages to our well-being, failed and refused to disclose their policy and procedures to us prior to taking the money for the transaction! In turn this company created more XXXX XXXX XXXX and felt highly discriminated against us!
Product: Credit reporting or other personal consumer reports

someone attempted to do fraudulent applications and I had 18 inquiries and that are all showing on Equifax XXXX and XXXX here are all of the inquiries that need to be deleted off of my account. here is a list of the accounts that should be deleted. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have contacted the 3 credit reporting agencies by mail 2 times in regarding the negative accounts on my report. I requested Verification and they have failed to do so. i sent the letters on XX/XX/2019 and XX/XX/2019 and have received letters back stating that the accounts were verified but failed to inform me on how they verified his information. so without proper verification I would like the negative accounts deleted promptly. If the accounts are not dealt with in a timely manner then I will exercise my right as a consumer protected under the fair reporting act and seek litigation.
Product: Credit card

I am communicating to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the XXXX XXXX XXXX XXXX XXXX, regarding the sharing of my non public personal information.

As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that may have been previously given to your institution by me, for the sharing of my non public personal information with non affiliated third parties including the consumer reporting agencies for any purpose. 

I wish to exercise my rights to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 

Please take immediate action to ensure that my non public personal information is not disclosed to non affiliated third parties and consumer reporting agencies in violation of my opt out request. I trust that your institution will comply with all applicable federal regulations and laws, including ( XXXX ), to protect my privacy and information security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a credit card debt with Experian. Experian replied the creditor provided certified documentation that the belongs to me. I asked for Experian to provide the certified documentation and they do not want to provide this information. 
Thank you
Product: Student loan

Did the MOHELA companys response address all of my issues? 
No, the company 's response did not address all of my issues. Although they confirmed my qualifying employment with XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX, to XX/XX/XXXX, they stated that the time prior to XXXX does not count toward PSLF. However, this contradicts my employment history, as I started working for the former XXXX  employer in XXXX, well before XXXXand ended on XXXXfrom XX/XX/XXXX to XX/XX/XXXX. 
Do I understand the companys response to my complaint? 
No, I do not understand the company 's response to my complaint. Their explanation regarding the time prior to XXXX not counting toward PSLF contradicts my employment history, creating confusion and leaving me uncertain about how my payments are being calculated for the PSLF program. 
Did the company do what they said they would do with my complaint? 
No, the company did not do what they said they would do with my complaint. They did not adequately address my concerns or provide a satisfactory resolution regarding the calculation of my qualifying payments for the PSLF program.
Product: Vehicle loan or lease

I paid off car in total never received title in mail after I called about a year for it then busniess disappeared
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I would like for the following address to be removed from my credit consumer report according to fcra rules and regulations
Product: Credit reporting or other personal consumer reports

I opened this account in XXXX, XXXX. The first payment was due in XXXX & paid as agreed. There is no congruency between XXXX, XXXX XXXX XXXX. Per 15 USC 1681 ( FCRA ) states there must be pure accuracy in what is being reported. In my case, there is not. It is causing inaccuracies across all 3 of my report scores. I contacted Synchrony bank at the same time via mail on XX/XX/XXXX but have not received any correspondence to date.
Product: Credit card or prepaid card

I signed up for a store card serviced by Synchrony Financial. Without my consent, I was signed up for a significant monthly " card protection '' fee. They did ultimately agree to cancel the fee and refund, but this unethical practice needs to be reported nonetheless.
Product: Mortgage

I have a new loan with Freedom Mortgage ( started it XX/XX/XXXX ). Starting on XX/XX/XXXX I requested the removal of PMI with my payment of an extra $ XXXX toward my loan. I was first told I'd need 2 years of payment history before they'd remove. But, after I asked them to put that in writing they called back on XX/XX/XXXX and said they were wrong, and if I paid another {$7500.00} then they would remove it ( by XXXX # XXXX ) & would not need another appraisal as it was within the grace period ( since it was a new loan ). I paid the extra {$7500.00} assuming he told me correctly. On XX/XX/XXXX & XX/XX/XXXX I sent follow up emails to see if they'd removed it & as of XX/XX/XXXX they did not respond to either email. On XX/XX/XXXX I called in and was told by XXXX ( # XXXX ) that it would be processed by XX/XX/XXXX and to call back. On XX/XX/XXXX I called back and spoke to XXXX ( # XXXX ) who said I'd need to send another appraisal before they'd remove PMI. When I told him XXXX ( # XXXX ) said that wasn't true, he said he would call back once he spoke to XXXX. As of now, I still have PMI even though I've requested the removal of PMI, and have more than 20 % paid toward the principle. I keep getting told different things each time I call.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Wells Fargo reported to XXXX XXXX and XXXX that I had late payments in XX/XX/XXXX and XX/XX/XXXX when my account was closed in XX/XX/XXXX with a XXXX balance and NEVER LATE per the letter from Wells Fargo already sent to me on XX/XX/XXXX, attached. They even sent me a statement saying DO NOT PAY because I had a credit balance, see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX Account # XXXX XXXX  XXXX, XXXX XXXX, XXXXXXXX  XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX  XXXX , XXXX/XXXX  XXXX, XXXX  XXXX XXXX  XXXX , XXXX  XXXX XXXX XXXX  XXXX, XXXX  XXXX  XXXX, public record bancruptcy XXXX, has violated my rights .

15 U.S.C 16811 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.
Product: Credit card

I applied for a GM Credit Card by Goldman Sachs and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account in question is inaccurately being reported as Derogatory with the remark Settled - less than full balance. However, this account shows a {$0.00} balance, a closed status, and a perfect payment history with no late payments reported ( XXXX for XX/XX/year> days late ). The account history clearly reflects consistent, on-time payments throughout its term. 

This inaccurate derogatory status and remark may be negatively affecting my credit profile and does not reflect the accurate handling of the account. I am requesting that this error be promptly investigated and corrected by removing the derogatory status and settled remark from my credit file.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX  XXXX was never late! I have had exceptional payment history witH 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 in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

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 XXXX  days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX reported a debt of {$5600.00} on my XXXX credit report. This is identity theft and does not belong to me.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX XXXX and XXXX XXXX claim that they lent XXXX XXXX XXXX - XXXX XXXX a loan for {$100000.00} to purchase an office complex for himself that I was told would be a flip property. They produced a photocopy of a cashiers check that they claim was given to XXXX XXXX at XXXX XXXX XXXX as payment towards this loan but XXXX XXXX XXXX never received a receipt for the transfer of money into escrow nor was the money ever deposited into the XXXX  XXXX XXXX business account. Then the XXXX 's had XXXX XXXX write up a Promissory Note stating that XXXX XXXXXXXX XXXX XXXX XXXX owed XXXX and XXXX XXXX {$100000.00}. These two companies, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are two totally separate LLC businesses, formed by their son. 
Then in XXXX of XXXX XXXX and XXXX XXXX set up another appointment, along with their son and had me sign a quit claim deed, drawn up again by XXXX XXXX from XXXX XXXX XXXX, after the purchase agreement had already been signed for the sale of property, to transfer my rights of ownership back to them, five days before closing. The property was valued at over {$100000.00}. Therefore whatever scheme they had devised as a Promissory Note in XX/XX/XXXX was paid back to them one month later in the form of a quit claim deed to property at XXXX XXXX XXXX, XXXX. 
In XXXX of XXXX, XXXX and XXXX XXXX produced this same Promissory Note to the XXXX  District court in a lawsuit to which they are not party to, claiming the repayment of this fraudulent business loan. They are engaging in a hoax to deceive Judge XXXX XXXX of a debt that does not exist and lay claim to a property to which they do not have title ( XXXX XXXX XXXX XXXX XXXX ) and through a lawsuit to which they are not party. 
It is my belief that XXXX and XXXX XXXX along with XXXX XXXX and XXXX XXXX have conspired to commit fraud. They have used trickery through numerous legal documents and signatures from three different business entities to deceive Judge XXXX XXXX in the XXXX XXXX District Court. At not time did I ever receive money from XXXX and XXXX XXXX as stated by their fraudulent Promissory Note dated XX/XX/XXXX. They are engaging in a hoax to manipulate and deceive a District Court Judge through the Special Master, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I found out my identity was stolen. I filed a report with the FTC and with the police department. I mailed all the paperwork to Transunion and they refused to remove the information. They still have the fraudulent items on my credit report. I have requested multiple times for the items to be removed. 

XXXX  {$410.00} XXXX  XXXX {$1200.00} XXXX/XXXX  {$780.00} XXXX/XXXX  {$830.00} XXXX/XXXX  {$160.00} XXXX XXXX  {$2500.00} XXXX/XXXX  {$1800.00} Also there are 39 inquiries that were not authorized by me and they have refused to remove them. All inquiries listed are fraudulent except XXXX XXXX  dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abide by these laws.
Product: Credit reporting, credit repair services, 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 15U.S.C 1681. 

Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX 15 USC1681 section 602A. States I have the right to privacy.

15 USC1681 section 604A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) 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
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were automated.i was charged fees due to lagged posting of charges and credit.this against navy federal for similar practices.where transactions settled with insufficient balances despite initially available funds.i believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the repetitive XXXX late payment notations on my account ( # XXXX ), which are currently being reported on my credit file. I respectfully request that you provide validation for each of these late payment reports, including detailed documentation proving that each reported late payment occurred and was accurately noted on my account. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and verifiable information. I believe these repeated reports may contain inaccuracies or discrepancies, which could result in an unjust negative impact on my credit score. If these late payments are found to be inaccurately reported, I am requesting immediate removal of any erroneous entries from my account history.
Product: Debt collection

Debt was paid to original creditor, they do not own the debt per their own statement. They refuse to remove even though it is invalid and refuse to provide any information.
Product: Vehicle loan or lease

The State of California law requires an auto loan is 24.9 % my credit report shows that Santander is charging me 27.9 %. My contract with Santander says 25.9 %
Product: Credit reporting or other personal consumer reports

In XXXX of 2022, I discovered that my personal information, including but not limited to [ mention specific details, such as your Social Security number and other personal information, had been compromised and used without my consent. I became aware of this after receiving a piece of mail from XXXX XXXX  stating I owed, when I never had an account with XXXX XXXX 

I have taken immediate steps to report this matter to the relevant authorities, including filing reports with such as the police, the Federal Trade Commission ( FTC ), disputes with credit bureaus and have placed a fraud alert on my accounts. I am committed to cooperating fully with all investigations and will provide any necessary documentation to assist in resolving this matter. 

Please consider this statement as part of my official report on the identity theft incident. I understand the importance of securing my personal information, and I am taking all necessary actions to mitigate any further damage.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$7500.00} Open Date XX/XX/XXXX XXXX Balance {$2600.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not mine I have a fraudulent alert on my account the only thing I applied for is XXXX XXXX I wish I would be contacted before Credit is applied for I'm very upset about this