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

XX/XX/XXXX - I visited a restaurant in XXXX, Texas. Later that evening, Iberia fraud department called and left a message about suspicious charges. I went and looked online the next day to look at the transactions and noticed that there were charges made to my account in the amount of {$160.00} that I did not authorize. I spoke with someone at Iberia bank fraud department on XX/XX/XXXX after i viewed these transactions and they said that they would put a hold on the transactions from this establishment. They said that I needed to go into my local branch and file a fraud report. I went into the local branch on XX/XX/XXXX and filed the fraud report. On XX/XX/XXXX, the transactions went through. On XX/XX/XXXX, I received a letter saying that my dispute was denied. They said that i needed to contact the business but no one answered the phone at the business and it appeared as if the business was permanently closed because i went to the restaurant at the same time on XX/XX/XXXX. I re-filed the dispute saying that I was unable to contact the business and they still denied my claim. 

The Business refuses to provide any evidence to show why it was denied. They refuse to let me speak to anyone in the fraud department. I let them know that I did not sign the reciept for those transactions, but its like they do not care.
Product: Vehicle loan or lease

I am from South Dakota and I bought a new vehicle in Arizona, financed with BBVA Compass Bank, and they can not get me a title transfer so I can license it in XXXX XXXX. XXXX XXXX XXXX ( South Dakota ) has requested title three different times and I have called several dozen times trying to get this. I called the AZ XXXX to see if they had it on file in my name and it is but they can't release it to anyone other than BBVA Compass. This vehicle has been sitting in my garage since XX/XX/2018 and I ca n't drive it because I don't have license plates. I am tired of paying for a new vehicle I ca n't drive. 
I have read reviews on their website and apparently this is not the first time this has happened. 
Leinholder is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against TransUnion regarding their failure to properly address my dispute letter sent on XX/XX/year>. In this letter, I requested an investigation into inaccurate items on my credit report, including accounts like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a bankruptcy record numbered XXXX. Additionally, I disputed unrecognized inquiries and incorrect personal information listed on my report. To assist in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. However, I received a response from TransUnion dated XX/XX/year>, stating that they couldn't process my request because it didn't appear to have been sent directly by me or a properly authorized third party. This response is unacceptable, as it implies a lack of effort on their part to conduct a reasonable investigation into the accuracy of the disputed information, as mandated by the Fair Credit Reporting Act ( FCRA ). Enclosed with this complaint are copies of my dispute letter sent to TransUnion, along with their response, as evidence of their failure to adequately address my concerns.
Product: Debt collection

1.Obscene/profane language : stating I owe an alleged debt ; implicating I must pay an alleged debt.

2. HARASSMENT!!! Multiple unsolicited phone calls ( x43 ) and voice mails ( I have call logs and voice mails to provide should I pursue civil/criminal litigation ). *HARASSMENT* 3.Obtaining/accepting my personal info ( phone numbers & mailing addresses ) to.

Notice, Pursuant to 15 USC 1692 - total in damages and violations : {$45000.00} If such notice from theconsumeris made by mail, notification shall be complete upon receipt.
Product: Credit reporting or other personal consumer reports

It appears that my credit information with you has been compromised. Despite submitting an FTC report # XXXX, it has come to my attention that these items are not being removed. This is my sixth attempt to notify you about the incorrect credit reporting, and I am writing to dispute these items in my file. I have attached my new FTC report with reference number : XXXX. The items I am disputing are not related to any transactions in which I obtained goods, services, or money, nor were they authorized by me. Please remove the reporting of any items in my credit file that resulted from incorrect credit reporting : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and, I have doubts about their accuracy, and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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

I contacted the company on 3 different times explaining that I've never set a business account with Cash app. When I cash out they take money out. 
I reached out in XXXX XXXX and XX/XX/2024, XXXX XXXX. Back in XXXX they said I had a business acct and I said I didn't they switched me to personal. I never switched it back. Now they keep taking money when I Cash out. I had beg for a Manager.
Product: Checking or savings account

I closed my business checking account on XX/XX/2024. A representative told me it was closed. The account does not appear on my dashboard. XX/XX/2024. My business credit card has been blocked because I am being told additional information is needed to close the business checking account. An account that I already closed and was told was closed. The account does not even appear on my dashboard when I log in. As of today XX/XX/2024 I am still unable to use my credit card which was recently opened and had nothing to do with business checking account. This has to be one of the worst consumer experiences I have had with any bank. It has delayed my purchases. It should not be this difficult to close an account.
Product: Debt collection

JEFFERSON CAPITAL SYST, Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX. 
This account does not belong to me, I have never been a client of theirs, I have never had a contract or negotiation with XXXX or Jeferson Syst. 
This is a fraud, someone has the same name as me and they are reporting this to my credit, can you help me eliminate it.
Product: Payday loan, title loan, personal loan, or advance loan

I have had many problems getting out of debt, I have damaged credit and I turned to this company for a small loan and I accepted interest that exceeds 6000 % per year, now I owe double what they lent me, and I pay for XXXX, which was the loan initial, XXXX a month and now I owe more than XXXX  ... it's crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is violating consumer law 15 U.S. Code 1681b which states : violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/2021 Delete these items immediately
Product: Debt collection

I have contacted AWA Collections, this company via phone as well as certified letter to validate my debt. The refuse and use a po box listed on consumer reporting agencies sites to avoid having consumers send certified mail. The day after I spoke with them on the phone they proceeded to make more claims on my XXXX credit report for the debt. The debt listed is more than the original amount. Also the have listed the same debt on my credit report 2 times to make the debt outstanding again so that I have to re-submit a debt validation letter that they will not be able to validate again. They are negatively effecting my credit report and this practice is fraudulent. In case others may have this issue after a XXXX search I have learned that there address is XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX.
Product: Money transfer, virtual currency, or money service

on XX/XX/21 starting at XXXX XXXX I was a victim of identity theft. I was making a claim with my insurance company and my app was not working properly and said there was a issue with my XXXX id and to contact XXXX support. I clicked on the XXXX support icon on my XXXX and a individual claiming to be XXXX  support asked me to provide permission for them to see my screen so they could trouble shoot the issue. I was instructed to retrieve my backup password and able to update my XXXX account. I was then told that he needed to do some trouble shooting to find out where the malware was that created the problem. He prompted me to verify my my identity in 3 different ways. I then got a phone call at XXXX XXXX that interrupted the support. It was my Credit Union asking me to verify 5 recent transactions XXXX to cashapp, XXXX XXXX XXXX wire transfer, XXXX XXXX as they seemed suspicious. There were several involving XXXX XXXX wire transfer. I immediately selected the " not authorized '', but then i hear my own voice say yes they are mine. I told the XXXX support fella that someone is stealing from my account and i had to hang up. I then see cash app on my banking app and logged into cash app and see that the money i had XXXX in my cash app account was transferred to a individual with a XXXX  debit card ending XXXX and that XXXX XXXX accepted my money.then cashapp stopped another XXXX then immediatly was taken from my checking account and then transferred over to this man, then he took all of my money and somehow used my identity to make transactions they state he bought and sold BTC and even at one point cash app denied a transaction then allowed it to go through. I called my credit union, the police and made a report. I contacted cash app next explained to them what had happened and the gentleman stated that he would email me information that i would have to provide and then they would investigate. I answered all the questions and got a response back stating that there is nothing they can do and are closing my case. IT WAS ALL I HAD!!! I provided the police report, fraud report from my credit union and they sent me a letter with the transactions and case closed. I was told that i could talk to them as much as i wanted to, but from my answers they believe the transactions to be legitimate. I had detailed information as to last 4 of a debit card and person i am not affiliated with, time stamps. I have no history in crypto Exchange in any way. They will not help me. I continue to get calls from this person and he emailed me using a XXXX logo, but the email address went to a XXXX XXXX. The app he used to gain access to my XXXX, XXXX and XXXX watch is called XXXX XXXX XXXX.
Product: Debt collection

RE : TransUnion, XXXX, XXXX, FICO, et al, Related to spousal exploitation, attorney malpractice, judicial malpractice, and Civil Rights violations, documented, reported, unresolved. See myriad reports of bad actors resulting in numerous crimes against me including, but not limited to, stalking, harassment, invasion of privacy, intellectual property theft, cybercrime, libel, defamation, fraud, Borrower Defense to university misconduct, etc. Thank you for your attention and protection from this continued abuse, and resolution in the matters with recourse and redress for exponential damages. 

XXXX 2024, I reported the matter of credit reporting to TransUnion disputes , and the erroneous credit rating has since worsened. 

XX/XX/year>, via USPS mail, XXXX XXXX  invited me to apply for a credit card to which I did not respond. 

XX/XX/year>, the XXXX website invited/enticed me to apply for an XXXX XXXX credit card to receive a discount on my order, for which I applied and was rejected, and which presumably further damages the credit report. 

I have already filed CFPB and FTC complaints against these companies/predators to which I have no knowledge, communication, contract, and/or obligation, yet they continue damaging my economic, financial, and personal reputation. 

I am facing imminent eviction, and I can not pass a credit check for housing, or other necessities, meaning that this economic XXXX and Civil Rights violations are creating and ensuring my homelessness while protecting and perpetuating illegal business practices, and illegal judicial practices while the guilty parties proceed with negligence and non-accountability. 

I accept no responsibility and/or accountability for any such debt, credit reporting, and/or any other libel and defamation caused to me by these bad actors including, but not limited to, merchants, banks, credit agencies, credit reporting agencies, collection agencies, loan servicers, government agencies/representatives, et al. 

As a reminder, I dispute the entirety of credit reporting, I take no responsibility and/or accountability for any information therein, and I expect redress for exponential damages and XXXX XXXX 

Given as I take no responsibility and/or accountability for these damaging debts and/or credit reports, I take no responsibility and/or accountability for disputing any such reports in this theft and defamation of my identity, and predatory revenue creation at my expense. 

Be advised, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX Mobile : XXXX ( XXXX ) XXXX Email : XXXX XXXX
Product: Debt collection

Capital Accounts - XXXX XXXX XXXX, XXXX TN XXXX Account # XXXX XXXX XXXX XXXX. 
I have informed the above collection agency from day one that they called me that, I did not owe the above the said money, without checking or verifying information from their clients they report the inaccurate information to the credit bureaus. Their action has caused an irrefutable harm to my credit score and diminished my ability to refinance my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNIVERSAL CREDIT SERVI
Inquiry date: XX/XX/XXXX
non existing account. 
 XXXX XXXX  XXXX  Inquiry date: XX/XX/XXXX
non existing account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX UNKNOWN FURNISHER account # XXXX ( {$400.00} ) UNKNOWN FURNISHER account # XXXX ( {$220.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following inaccurate accounts that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed an Opt Out Notice and validation request to Experian, XXXX and XXXX. 

I requested that all accounts be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; XXXX, Experian and XXXX ignored my request and continued to report after I opted out and revoked my permission. 

They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. Also demand notice was sent on XX/XX/XXXX. ( see demand Notice ) The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A 20 USC 1232G Defamation of character XXXX, Experian and XXXX are in violation of multiple US Codes, Privacy Act of 1974, Family educational and privacy rights and FCRA.

All accounts currently being reported are to be removed from my credit report Per 15 USC 6802. Except for XXXX card services account XXXX, Experian and XXXX are in violation of many of my rights as a federally protected Consumer.
Product: Student loan

This company is undeniably engaging in fraudulent practices. As of XX/XX/XXXX, all of my loans were XXXX, as clearly indicated in a previous complaint. According to the terms of discharge, all loans should reflect a XXXX balance and a XXXX status. Despite my efforts, evidenced by a complaint submitted in XXXX along with supporting documentation, which unequivocally proved the closure of all accounts, I was dismayed to discover upon logging into the portal that a balance is still being carried. Upon reaching out to XXXX XXXX XXXX, I was informed by a representative that indeed the loans were XXXX, and it was the servicer, Ed Financial, that altered the status to repayment and forbearance, possibly in an attempt to refute the previous complaint. To substantiate my claim, I obtained a summary of all loan activity from XXXX, clearly displaying the XXXX status of all accounts under " XXXX XXXX XXXX. '' I am now providing this evidence to demonstrate that these loans were unlawfully reinstated into repayment and forbearance post-discharge. Ed Financial is fully aware that XXXX loans are to be removed from credit reports, and any payments made subsequently must be reimbursed. Furthermore, it's pertinent to note that {$6000.00} was unlawfully deducted to apply to student loans when the accounts were in default back in XXXX. Consequently, all funds, including interest payments, must be promptly returned. XXXX action is imperative to remove these accounts from my credit report, and I demand reimbursement via a {$6000.00} check without delay.
Product: Credit reporting or other personal consumer reports

Listed below is proof of me being a victim of identity theft. I have provided proof of my signature being forge on a membership I've never created. I was able to gain access after investigating the fact that a collection was put in my name. I ask for the owner to remove the collection and was told it would be since it's fraudulent. The other accounts that are listed is fraudulent as well and needs to be invested expeditiously. I am asking that my complaint gets fully analyze for these accounts doesn't belong to me and never gave any consent to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hospitalized for XXXX during the time earlier this year. I have contacted XXXX to ask for a reconsideration of the late payment being annotated on my account due to my situation. XXXX has stated they do not correct any issues that are reported on credit report.
Product: Debt collection

The exact date is no longer listed on the debt. It says 8 months ago with a XX/XX/23 update. The amount exceeds the actual withdrawal made at the bank. I was issued a cashiers check and the check was verified by the teller. There was an available balance of approximately {$280.00} at the time of the presented check and there was a cashback with the deposit of no more than {$1000.00} or so. The deposit slip for the transaction was stolen and the second copy was deleted from the home computer. The person who picked up the phone from the desk at the bank was supposed to assist with fraud investigation and repayment options, and instead blocked the atm card so no deposits could be made for the actual cash back amount which was taken at the time of the deposit. There was then a collection sent to the credit bureaus for the total amount of the cashier 's check without the deduction of my available balance and without considering that no additional withdrawals were made against those funds. The total amount of the check showed up as a negative the next day and the bank said they couldn't find my transaction after that. They also entered it as though I had been the person who wrote the check.
Product: Mortgage

I have weather damage to my home. My insurance agent cut me a {$10000.00} check to fix it. I endorsed the check and sent it to my mortgage company. This was last year! In this years time they had my money they requested paperwork to distribute money. My contractor and I both emailed and uploaded the proper paperwork. Flagstar has said they haven't got any of it. My contractor showed the proof of him faxing it and I can see it's been uploaded yet inactive. Every time I call Flagstar I'm on hold for long periods of time and can never speak to a supervisor. In the year I've been trying to get this done my weather damage has worsened. This is my primary residence that I pay them for and my contractor is legitimate. I need assistance in dealing with Flagstar. I hope this helps
Product: Credit reporting or other personal consumer reports

I am writing to complaint to CAPITAL ONE about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX # XXXX XXXX, FL, XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1966. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing