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

Last XX/XX/2024 i sent money to the XXXX in Sigue Corporation through there agent in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The amount i sent was {$1100.00} plus transfer fees of {$15.00} and also my wife on the same day sent {$280.00} plus transfer fees of {$8.00} but unfortunately the money did not reached to its destination because according to the agent in XXXX XXXX XXXX the Sigue Corporation was closed and i will be refunded after 15 days but until today XX/XX/2024 i did not recieved any refund. Thank you.
Product: Mortgage

During my Mortgage signing process in 2007 at my home, the only people in attendance was the Title Company Representative and myself. I am the only person who signed the original documents. The Title Company Representative said that she would sign her section when she returned to the office. I questioned that process, she stated that it was normal to do it this way. A Notary was not present to witness/verify signatures. She also stated that was normal also. She said that a Notary could verify documents after the Mortgage signing process. I have requested original signed documents from Indy Mac/One West Bank, they refused to send the original signed documents. Stated they they were stored in a vault and it would be difficult and take too long to retrieve. Can my home be foreclosed if the original signed documents can not be presented? Also, should a Notary have been present to witness signatures? Therefore, are notarized documents pertaining to my Mortgage signing fraudulent documents since a Notary was not present?
Product: Credit card

I was planning a trip to XXXX, XXXX when XXXX and leg problems developed I went to primary doctor on XX/XX/XXXX who gave me meds for pain and inflammation After a week I still was in pain and hardly could walk I went to XXXX XXXX XXXX to see orthopedist My trip was XX/XX/XXXX return XX/XX/XXXX I received a NOT FIT TO FLY from hospital and primary doctor No flying due to ongoing physical Therapy to mid XXXX Attached is NOT FIT TO FLY certificate XXXX was travel platform I bought ticket after asking me to wait and month and then they extended to possible 3 months for airline to respond (! ) This is like COVID days where airlines wanted " long float, interest free loan '' for tickets held
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX HAS PULLED MY CREDIT 2 TIMES XX/XX/2022 XX/XX/2022 I DID NOT GIVE TD AUTO FINANCE THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF/VALIDATION OF AUTHORIZATION.
Product: Mortgage

HI I fell behind on my mortgage payment I 've been trying to work out a plan to get caught up every time a plan is made I do what the company ask the next time I go to make a payment they tell me we have to start plan over i ca n't seem to talk to a supervisor or anyone to explain or get ant answers I 'm told they 're not available it is really stressful trying to get answers and you ca n't
Product: Money transfer, virtual currency, or money service

I had a deposit of {$95000.00} made to my Venmo from a casino win. I contacted venmo prior to the deposit being made and was told since my identity was verified, I would have no issues receiving the deposit. Was told that I could withdrawal {$20000.00} per month to my bank account and send {$60000.00} per month out or use my Venmo debit card for those funds. 

Within 2 days, they froze my account. And 2 days later deactivated my account and said they were holding the funds for a minimum of 180 days, and I MIGHT receive my funds back after that. 

I am in the middle of XXXX treatments : that money will literally save my life and pay my bills, I have XXXX young daughters and I can not wait 6 months to get my funds back. Please, please help me.
Product: Mortgage

XX/XX/XXXX funds withdrawn from my checking account with confirmed receipt to Citizen 's One Lending on XX/XX/XXXX payment not posted until XX/XX/XXXX XX/XX/XXXX payment recieved by Citizen 's one XX/XX/XXXX not posted until XX/XX/XXXX XX/XX/XXXX payment received by Citizen 's one as of XX/XX/XXXX still not posted and have charged me a late fee
Product: Credit reporting or other personal consumer reports

Alabama Department of Human Resources is reporting to my credit hurting my score when Im fact they have no right to insert or report to my credit file whatsoever. 
XXXX is also reporting to my credit report about account that does not have my signs or contract you furnish on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Ive contacted the above credit bureau on several occasions over a 2 years period, explaining to them that Im a victim of Identity theft. Also, I provided them several copies of the police report and they have not complied in removing any of the negative information on my report. I explained that the collections account that is being reported is incorrect. Ive also reached out to an XXXX XXXX XXXX   manager about the negative information thats being reported on my credit report. She reviewed the account and realized that I paid the account off in full and it was XXXX XXXX XXXX that owed me {$6.00}, in which they sent me a check. However, when I requested they send me a copy of the information, so I can prove it to the credit bureau. They stated that the account was closed and that they are unable to provide me a copy of the information to send to the credit bureau, but they will remove it. Which they never did. 
I have explained the later payment to XXXX XXXX  and the credit bureau was due to fraud and identity theft. I have spoken to XXXX XXXX  and they stated they will remove it, yet its still there. I explained to the credit bureau that the DMV has informed me that there are 2 other individuals in XXXX Florida that has a copy of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information and all they can do is inform me of the issue. However, they stated that the bureau can request a copy of the information and they will send it to them directly. Yet, even after finding that out that information, the bureau still refused to request a copy and continue to retain the information on my report. 
Ive also explained to the bureau that the information amount on the student loans is also incorrect and to this day, nothing is being done about it. I have been working with them for about 2 years with no result. They keep sending me back the same information repetitively without any removal. Stop having companies change my address in your system and asking me to prove my address
Product: Payday loan, title loan, personal loan, or advance loan

I fell behind on payments and had been telling them through email I could not afford it. I was given too much to handle for my pay. I also got XXXX, had sick family members, and lost jobs in the time. I was offered a new interest rate after months and it expired the XXXX of XXXX with a payment of XXXX owed and to continue making this payment. They towed the car ON THE XXXX before the loan expired and not only that they still have not provided me the ACTUAL NAME of the towing company. They have someone working as a middle company that won't tell me either. VA also required an ACTUAL 10 DAY NOTICE, just for repo-ing, to be sent 1st class mail before repo-ing. They did not send that. They have done this before and are now trying to make me pay over XXXX dollars to get out of repo-status only to be charged more for storage. They repo-d it once before and I paid it but still wanted lower rates. They waited until I was in a hole and took my car. Numerous emails with no response. I lose my voice all of the time and have told them this through electronic communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been multiple attempts to understand these discrepancies with no or very little assistance from the companies or the government. Endless calls and conversations on multiple accounts throughout weeks in years.
Product: Vehicle loan or lease

we are in the middle of a worldwide pandemic and capital one has FAILED for WEEKS To answer the phone. They dont have an email or secured site where you can submit a call back request or an extension for those of us that are impacted. DAYS we have been holding. NO ANSWER, It appears that they have hired pr to talk about how well they are handling this situation yet NO ONE has been able to get through. My payment is due in 2 days. I would like to schedule an arrangement
Product: Debt collection

On XX/XX/XXXX I sent a debt verification letter for an account they put on my credit report. This letter was received by XXXX XXXX from Rent Recovery Solutions on XX/XX/XXXX. on XX/XX/XXXX, I received a response from Rent Recovery Solutions, with a falsified document. This document was an invoice that bore NO valid or substantiated information about me. In fact, most of the personal information listed on this document has NEVER been associated with me or my name. This was clearly never thoroughly investigated to ensure that they are reporting accurate information. On XX/XX/XXXX, I sent another letter requesting verifiable proof that I owe the debt, including an original contract and proof they are licensed to collect in Florida. This letter was receive by XXXX XXXX on XX/XX/XXXX. As of XX/XX/XXXX, Rent Recovery Solutions has failed to respond with accurate documentation, yet they continue to report information on me that they know to be inaccurate, which is in direct violation of FCRA. They have not investigated this matter thoroughly and fairly or attempted to produce valid or substantiated documentation to show that they have verified this debt belongs to me, nor have they responded to my letters nor did they remove the account from my credit report whilst investigating per FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some oft he names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I put in 60 day notice, and honored my lease. I do not owe this company anything! This company has the Audacity to say i owe them anything when they have done absolutely nothing but stolen from me and made my son sick! 
while i resided their, i learned from my sons pediatrician that his LEAD level was a 7.5 which is 3.5 points away from hospitalization!!!!!!!!!! This scum of apartment complex could have killed my son! we haven't lived there for 3 months and although his levels have went down a little they are still high! my son is on strict pediatric supervision right now! I pray that they shut this place down before they kill a child! 
ALso while i was there their staff stole my iphone, ipad, and LV shoes!!!!!! they have also tacked on charges i didnt owe to my account all the time! 
Everything breaks in that apartment, it flooded because their pipes were bad 4 times when i was living there. all of my items got damaged! Unsanitary living conditions. We were left with no water, no running toilets, no lights multiple times. My XXXX year old son and i lived in XXXX their!!! i cant believe they have the nerve to say I OWE THEM ANYTHING!!!!!!! I called last month and talked to a male at the front desk who even confirmed i dont owe anything and to disregard the letter i received!!
Product: Checking or savings account

This letter constitutes a formal complaint regarding multiple overdraft fees assessed to my account .These fees were incurred despite having sufficient available funds at the time the underlying transactions were initially authorized. 
However, due to the untimely posting of both debits and credits, my account balance was artificially depleted, resulting in the erroneous application of overdraft fees. 
This issue appears consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ), which identified similar practices by financial institutions, including the delayed posting of transactions that led to unjustified overdraft fees. 
I believe these practices are deceptive and unfair, as they do not accurately reflect the true availability of funds in my account at the time transactions were authorized. I request a prompt investigation into these fees and a full refund of all overdraft fees incurred due to this issue.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 602 A. States I have rights to privacy.

15 U.S.C. 1681 604 A ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C. ( A ) ( 5 ) Sections states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S-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.

15 U.S.C 6802 ( A ) a financial institution may not directly or though any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803, Obligations with respect to disclosures of personal information.

15 U.S.C. 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Product: Credit reporting or other personal consumer reports

I submitted a report to Experian XX/XX/XXXX about some hard inquiries that did not have permissible purpose. I have attached evidence of submission. 

The following inquiries had no permissible purpose to be on my report. Delete the below inquiries due to violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have done or have any business with ENHANCED RECOVERY CO or account # XXXX this item is fraudulently report on all my credit reports. I demand that this be removed from my account immediately as it is effecting my scores. I currently have phone service with XXXX so I have no idea why this is on my credit report. This account also isnt reported on all credit accounts.
Product: Debt collection

Was trying to get approved for home loan. Was turned down because Cit Bank NA reported on XXXX late payments and a foreclosure on my credit report after i filed chapter XXXX and never reaffirmed from advice of Bankruptcy Attorney
Product: Debt collection

The following unverified items/ Account listed below still remain on my credit report in violation of Federal Law. Under the FCRA creditor is suppost to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. On XX/XX/2014 I was victim of identity theft, in the event I filed a Police Report : Personal Vehicle Auto Theft! Creditors Must provide me a I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX   XXXX Unverified Account XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account.
Product: Credit reporting or other personal consumer reports

My accounts was never late i had exceptional payment with history with XXXX  XXXX and all payments were placed on autopay. this late payment that is reporting is a result on a systematic error processing my payment. 

this was clearly a billing error made by 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!
Product: Credit reporting or other personal consumer reports

This is my first endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$30000.00} LA XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX  XXXX XXXX Balance Owed : {$680.00} XXXX XXXX  XXXX Balance Owed : {$600.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I have been forced to pay an annual fee of {$59.00} to Capital One for a credit card that I can not use due to its " restricted '' status, for two years in a row. Capital One refuses to close my account because they say they can not verify my identity, even though I sent them, via email, all the official ID docs they asked for ( social security card, proof of address, drivers license ). They said they think I " altered '' my own ID documents. Therefore, I 'm trapped in this cycle of trying to cancel my account, they refuse, they charge an annual fee for a product I ca n't even use.
Product: Debt collection

I have a new collection account on my credit file that i have no knowledge about. I was never given a DV and i also have no knowledge of the debt the collection agency had no right to report on my credit file with out giving me a DV the collection agency is XXXX XXXX for {$96.00}
Product: Debt collection

XXXX XXXX2019 my XXXX XXXX bankruptcy was discharged. According ton the US Bankruptcy Court XXXX XXXX of Michigan this information shouldn't be displayed on my credit report. Ive sent letters and proof from the bankruptcy court but they refuse to removed. This information is improper use of my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

My credit account was established in XXXX during the pandemic when online shopping was expanding and necessary. I started with an expensive mattress I bought for my new home and a credit limit of {$1800.00}. From XXXX until XXXX, I paid on the mattress, sometimes twice a month, and ended up paying it off early. I have paid successfully on this account for years, so my credit limit XXXX to over {$6100.00}. 
I utilized this account quite often for large purchases and when I did not have established credit. It allowed me to buy now and pay later. Now, I can place any hotel stays, flights, or other travel expenses here rather than using the credit cards I have finally acquired. The Affirm card allowed me to build credit and make purchases without dropping my scores. 
I received a physical card for the stores because I have an outstanding payment history. I had not used it, because I rather enjoy shopping online. Recently, I tried to purchase a phone for my non-profit business to better connect with the sponsors for my XXXX program. I tried to use my Affirm account because the phone was a {$1800.00} purchase. At that time, I had thousands of dollars available to cover the phone. The purchase was declined, and I was demanded to " verify my identity. '' This struck me as odd because I never took pictures of myself nor sent them my identification from the first day I had this card, so it did not make sense. They actually made me scan my face and my sides. How could they use this to verify information they never had? Another reason this did not seem legitimate was that they wanted an outside company to verify again for elements that they never initially had. They disabled my account online, stating that I had to submit a verification picture of my state identification and a scanned image of my face. 
I contacted Affirm several times to state that it did not seem safe, yet they continued to require this element. I even went inside XXXX XXXX, XXXX of their approved stores, to purchase the phone with the physical Affirm card and driver 's license so they could verify that I was making the purchase. Despite all of this, I was denied. I contacted Affirm and was told they would escalate the matter to salvage the purchase. 
Weeks and XXXX declines later, I still could not purchase the phone. The account was still XXXX. I finally relented as they claimed it would go through Affirm for the verification and not the outside firm. I relented because I needed the phone and was trying to rectify ( reinstate ) my account because I needed it for business travel. Even with my compliance, my account is still deactivated. I have asked for supervisor assistance, made complaints, and been told it would be escalated and handled, yet there is no change. 
After all of this, I received an email stating that they had been cyber-attacked and that my information had been compromised, which I was afraid of from day XXXX. I kept repeating that I did not think I should send them what they requested, yet they insisted and knew they were being attacked when they required this.