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

So I was trying to send my son XXXX $ and for some unknown reason. Western union refused the transaction. My wife had earlier sent a test transaction of XXXX $ and it went thru so she then tried to send him an additional XXXX $ and it was denied. She tried to send lesser amounts to no avail all transactions were denied. That is when I tried with my own account. Completely separate from hers and it was also denied. My son is a UNITED STATES XXXX XXXX VETERAN!!!!!!! I want to know why one XXXX $ test transaction was successfully sent but as soon as we tried to give him more money through different accounts and banks they were all denied. We are just trying to help our son and western union is denying our attempts with no reasonable explanation..
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX  Balance : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Bureaus Transunion XXXX, and XXXX, I have received confirmation from the US Bankruptcy Court Stating they did not furnish my personal information to the reporting agency. I demand to have this Bankruptcy removed from my profile as it is in violation of my rights and they have obtained my information without my consent from public records.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I order a new XXXX XXXX XXXX  card over the phone. and was not given a tracking numbers. so I may track and locate my new XXXX XXXX XXXX card. I asked twice to different times over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act SPRING OAKS CAPITAL LLC Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Product: Credit card or prepaid card

Sony Rewards Credit Card by Comenity Bank sent me several offers to open a new account with them and during the holidays I decided to go ahead and sign up for a new account. The promotions that were offered at the time were opening a new account and getting a {$50.00} in XXXX gift card, a free Game that's worth {$79.00}, and a {$200.00} statement credit if I spent {$1000.00} within the first 60 days of opening that account. Now, I spent almost twice that and opened a ticket with them on XX/XX/, and now every time I call I am getting the run around with them. They are telling me that it will be resolved soon but it has been almost 5 months and I can't get a straight answer from them and they are telling me that the department that handles my case doesn't have a direct phone number or an email. I can't help but feel that this has been nothing but a bait and switch by this company and they are defrauding the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPT ED/XXXX XXXX {$27000.00} DPT ED/XXXX XXXX {$9100.00} DPT ED/XXXX {$500.00}
Product: Payday loan, title loan, personal loan, or advance loan

A few years back I was pre approved for what I thought was a credit card. It turned out to be a personal line of credit! My balances went all the way to the XXXX yet I have paid thousands of dollars back and my balances do not go down nor does my minimum monthly payment. Im being charged XXXX XXXX and make payments and the balance doesnt ever go down nor does my payment minimum monthly never go down then because I was upset with them how they tried to XXXX me over in a hardship program where I continued to make the minimum monthly payments on time they said I was in default after they are the ones that gave me the amount I needed to pay while I was in the hardships program. They posted one of my payments a day late I which then they said I was delinquent and reported it to my credit bureaus and then had my score drop by over XXXX points meanwhile I have made every single payment every single month I have ever had these XXXX accounts which one I paid so well they decided to give me a second within a couple of months and this company has tried to destroy my credit score even though I have made every single payment on time and now they have lowered all my balances and attached even more fees where the minimum monthly payment on a XXXX balance card is almost XXXX a month payment the other loan I over around XXXX and that payment is XXXX dollars a month this is predatory lending as well as they have tried over an over to hurt my credit yet I have prooof of making every payment for every month of every year I need help they are robbing me each month my balances do not go down no me they have lowered my limits and my minimum monthly payment is more then I pay for a XXXX car loan! Please help me this company is predatory lending to the fullest they are also sabotaging my credit scores and playing games where they had sent a letter to my credit bureaus removing a slow payment they reported then they went and re reported it and said oops sorry there is nothing we can do to fix it but they took action against the employee they made the mistake but they cant fix my credit report or my monthly payments and my balance never goes down at all and i literally am paying XXXX a month on XXXX account with them and XXXX on the other acccount yet my balance doesnt go down and my payment doesnt ever go down! Please help me!
Product: Debt collection

I continue to received a voice recorded message from an XXXX XXXX on behalf of XXXX XXXX. Note, I have never step foot in this facility nor have I ever signed up for membership or even inquired about their services. I receive calls 5 to 10 times a week from this number XXXX with the same recorded message that state ; " Hello this is XXXX XXXX calling on behalf of XXXX XXXX with an important message regarding you membership I am with ABC Financial the billing company for XXXX XXXX I 'm trying to contact you one final time regarding your fitness membership account. It 's extremely urgent that you contact my customer care division at XXXX to resolve this matter! Again, this is XXXX XXXX from ABC Financial calling with a final attempt to contact you to resolve an issue with your  XXXX XXXX account. My customer care division is available to help you. This is an URGENT matter however, time is running out please call us at XXXX Thank you for your prompt attention to this important matter!
Product: Debt collection

Tried to dispute with each creditor, stating that according to 15 usc 1692c the law clearly states if a consumer notifies a debt collector the consumer refuse to pay debt the collector must cease all communication. Reporting to my credit report is a sign of communication.
Product: Credit reporting

Experian Credit tracker is using terms like account transferred, closed and paid as derogatory information, thus bringing down my credit score. Experian proper, which is a separate company from Experian credit tracker, tells me there is nothing wrong with my credit report. I have talked to many people in the last month, and they are always working on it, and I am paying XXXX a month while they " work on it ''. XXXX XXXX will be my second payment. Even if they solve it today, the way they have treated me is disgraceful. Now Experian Credit Tracker is doing an investigation of my credit, and they will find out the same thing. I think they will never solve it, and just want me to give up.
Product: Debt collection

Attempting to collect on a debt that is not only past the statue of limitations, but its also a debt that I do n't owe. They are continuously calling and harassing me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), requesting that you immediately cease all communication with me regarding any alleged debt.

Pursuant to this statute, once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must cease communication except to inform the consumer that collection efforts are being terminated, or to notify the consumer of specific legal remedies that may be pursued.

Please be advised that I dispute the validity of any alleged debt you are attempting to collect. I am formally requesting that you cease all further contact with me by phone, mail, or any other means.
Product: Money transfer, virtual currency, or money service

I have been trying to get into my coin-base account. I have been denied access because they say I have " reverify '' my identity. 

I have done this once before after putting in my ID and password, and this year they denied me access again and I can not trade, add or take cash out of my XXXX account. 

I sent my XXXX XXXX ID ( Front and Back ) and even used their mobile app since they won't accept my ID on my computer. I tried to contact them several times since XX/XX/year> and they said they would get back to me via a computerized text. 

They have not gotten back to me and I don't know why they don't. No one has tried to help me, nor do they have a real person to talk to. As a result my XXXX account has been locked and even when I supplied my ID license, which is how I originally opened my account is continuously being locked and being asked to re-verify my information. 

This is getting very tiring and exasperating. They require more information than a bank and even though I have gave them my Gov't ID and taken my picture via their app they still won't let me have access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I just received my credit report back from Experian and XXXX XXXX regarding my personal information and it seems they were able to fix some things but missed a few things I would like to have cleared up, for I would like to have my credit report 100 % correct as per FCRA, for future financing. 

XXXX ) Experian has my wrong name still under section - " ALSO KNOWN AS '' : XXXX XXXX which is 100 % incorrect, I do not know who this person is and it needs to be deleted off my credit report please. My Correct Name is XXXX XXXX XXXX and should be the only name listed, I have no aliases. 

XXXX ) Experian has a wrong address which is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I looked it up on the property appraisers site and a " XXXX XXXX '' once lived there but I never have. Please remove this address. 

XXXX ) Experian has NOTHING under Employment, My Employment is : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX Still has many wrong names : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ... ..ALL those names are wrong, my name is " XXXX XXXX XXXX XXXX and should be the only name listed, I have no aliases. 


My Correct Information that should only be showing is Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX SS : XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Thank You
Product: Debt collection

XXXX {$730.00} XX/XX/year> ; I contacted the company and dipute these accounts are not valid and the company should remove them. They did nothing. These account should be deleted.
Product: Checking or savings account

On XXXX I opened a Savings account with XXXXXXXX XXXX XXXX adding to the Checking account I have held with them since XXXX Without warning or clear explanation, my Savings account was locked and access to my funds restricted. 

Despite my proactive efforts to resolve this situation, including reaching out to customer service on XXXX  the bank has failed to provide a valid reason for these actions. Instead, I was informed that the review process could extend to a period of between 15 to 30 business days. Additionally, I was told it could take up to 7 business days to receive a letter providing further information regarding the review of my account. 

This unexpected restriction has put me in a precarious financial position. The inability to access my own funds for such an extended period is disruptive to my financial planning. The limited information and inadequate assistance from the bank further exacerbate the situation. The timelines given for both the review process and subsequent communication appear excessively long, contributing to unnecessary hardship for me as a customer. 

I hereby request the intervention of the Consumer Financial Protection Bureau in this matter. I hope your involvement will expedite the review process and ensure that my rights as a consumer are upheld. I eagerly anticipate a swift and favorable resolution to this issue. 

My aim in submitting this complaint is not only to seek resolution for my situation but also to contribute to the prevention of similar incidents in the future. It is essential that our banking system operate in a manner that is customer-friendly, transparent, and fair. 

Thank you for your attention and support in this matter.
Product: Mortgage

California XXXX : { XXXX XXXX. XXXX } and { XXXX XXXX. XXXX  } represent Law Firm Barrett Daffin Frappier Treder & Weiss , LLP and our loan servicer ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, all involved in Violations of Wrongful Trustee Sale of our home on XX/XX/2024 and auctioned our home, fraudulently on XX/XX/2024 after XXXX, considering I was forced to file Bankruptcy XXXX XXXXXXXX on XX/XX/2024 at XXXX before our home can be Legally Auctioned. XXXX XXXX at, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX was hand delivered my XXXX filing, XXXX XXXX, Trustee of our XXXX XXXX XXXX. Confirmation of my XXXX filing was Emailed Electronically at XXXX to { XXXX and, emailed to XXXX } Trustee BDF Law Group whom Auctioned our home Fraudulently on XX/XX/2024 after XXXX XXXX XXXX. 

Attorneys mentioned & BDF Law Group, are in Violations of all U.S Federal Laws & Regulations due to my XXXX filings and currently proceedings. Sanctions are to be imposed for such violations. I have also filed Misconduct complaints of mentioned lawyers to The XXXX XXXX of California, for deception, misrepresentation and unfair business practice. My XXXX Trustee ; XXXX XXXX XXXX and XXXX XXXX XXXX, { XXXX Judge } have also been notified of my Wrongful Trustee Sale of XX/XX/2024.
Product: Credit reporting

Banks tell me I have home morgages open when I have never bought a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Credit reporting

I signed up for a " free '' credit report at the Experion website. I was advised that my credit card would be charged {$1.00}. Next thing I saw on my XXXX statement was a charge for {$21.00}. I contacted Experion yesterday, XXXX/XXXX/2015 and was told that I had signed up for credit services from them. I told them to my knowledge I had not and did n't want the services. They agreed to cancel my membership but refused to refund the {$21.00} they charged on my credit card. I called my Bank ( XXXX XXXX XXXX ) and they advised that due to an agreement they have with Experion they were unable to file a dispute for me. I have since researched this on the Internet and it appears that many other people have been taken in by this " scam ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan was transferred from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as of XXXX. I have been dealing with this company for just about 2 months and I am at my wits end with them. They sent our welcome packet late, has to call them to get new loan number to make payment. Their auto dialer called when it shouldnt have because they can not call us to demand payment because we had been in bankruptcy and it was discharged they did this twice before I called them to tell them to stop, and advised that we pay at the end of each month but within 30 days and I advised that per our modification and bankruptcy discharge, they can not charge us a late charge then my XXXX XXXX score drops 13 points because they reported us to the bureaus when they werent supposed to called them to get fixed, I got attitude and the agents were rude. They refused to transfer me to a manager, finally was able to s/w someone in consumer escalations she said would get it fixed and she did one of the first representatives told me I would need to prove they reported to the bureaus. I checked my experian score today and it dropped 65 points because they reported it again called again and spoke with XXXX in XXXX escalations who was very rude and basically advised it couldnt be fixed for upwards of 45 days I need it fixed before then .. he also rudely advised me of their business policy of no external emails for security and to speak with a manager it takes 1-3 business days that is ridiculous I need my issue fixed and escalated immediately I am to the point I am going to call a lawyer and sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

" New Issue '' Experian re-inserted a previously deleted XXXX  account back on my credit report. This account was involved in fraudulent activities. It must be removed immediately. I never received any notice from XXXX that this account was going to be be reported again. Additionally, Experian you received valid police reports XXXX and XXXX. This is a violation period. 


Secondly you verified again XXXX when you were sent police report XXXX, the account balance is fraud. XXXX is aware various accounts that have fraudulent balances. I was informed the accounts were suppressed. Why is it still showing on my credit anyways? 

Experian continues to be NON-Compliance of the law.