23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX XXXX XXXX ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. 
XXXX XXXX XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EQUIFAX ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data XXXX XXXX  for the accountopened XXXX XXXX with account number XXXX XXXX, XXXX XXXX XXXX for the account opened XX/XX/year> with account number XXXX. Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( EQUIFAX ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to compy.
Product: Money transfer, virtual currency, or money service

Using XXXX XXXX  with my navy federal card and also XXXX XXXX card through my digital wallet it would allow me to tap and pay and the money comes off the card Immediately and thats for both branches later on that night or the next day the money will come back on my card like I havent used any money and then when I used more money, the money that I previously used through the digital wallet would now be taken off my card along with the new purchases, which would overdraft my account and it does it every time so I chose to stop using XXXX XXXX  with Navy Federal and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had a past due loan that was set to be sold on XX/XX/2023. I paid the total remaining balance on XX/XX/2023. My Upstart account shows fully paid off and the payment was 100 % cleared on XX/XX/2023. Upstart then sold the debt on XX/XX/2023 after they already received the payment in full. On XX/XX/2023, I received a phone call from XXXX XXXX stating that I owe them {$13000.00}, which is the amount that I paid to Upstart to pay off the loan. For more than three weeks I have been in communication with Upstart and XXXX, and they both do not have answers. Upstart told me the loan should not have been sold, it was then sold. Upstart told me they are going to recall the loan, it was not recalled. Due to this, they inaccurately reported my account as past due and sold off, when in fact I paid them in full before the sell-off date and I confirmed with my bank that the payment cleared before the sell-off date. I am still receiving calls from XXXX telling me I owe them the {$13000.00} that I paid to Upstart, again before it was set to be sold to XXXX Upstart refuses to confirm that they received the payment in full. This is negatively impacting my credit and mental health.
Product: Vehicle loan or lease

I constantly check my credit score on XXXX and last night ( XXXX ) I noticed that my credit score went down 21 points, which is weird. I always make my payments on time. I decided to check on my alerts and there is a loan over XXXX, XXXX that was taken out in NC. I dont live in North Carolina XXXX I live in XXXX, California. Someone is using my social and credit to purchase a car in NC.
Product: Credit card or prepaid card

Continental Finance credited my account in the amount of XXXX on XXXX, this is for a disputed charge from XXXX, I was sent an empty watch box from this company. The bank has not credited interest and fees associated with charge, the account is now paid off with a zero balance. Since they agreed to resolve a prior complaint and credit my account, they should also credit all interest and fees associated with charge. Please advise them I need a check for this amount ASAP as the account is paid off and closed.
Product: Credit card or prepaid card

Submitted a timely dispute for a purchase dated XX/XX/2021 for {$320.00} from XXXX XXXX XXXX XXXX. Initially, I only requested a billing adjustment for half of this amount amounting to {$160.00}. The air conditioning service received in my home was less than adequate, I made the company aware of this and filed a XXXX  XXXX XXXX complaint. On, XX/XX/2021, the company sent an email advising they are crediting the full amount of {$320.00}. On, XX/XX/2021, I reached out to American Express chat to amend the dispute to reflect {$320.00}, not knowing if the merchant is going to follow through with the credit. The lazy representative did not follow through on my request.
Product: Money transfer, virtual currency, or money service

WorldRemit claims my account was closed because I stated to them that I use WorldRemit for business transactions. That is simply untrue and unfair. 

WorldRemit 's reason for closing my account is incorrect. None of my words to WorldRemit stated that I use WorldRemit for business purposes and in fact, I have never used WorldRemit for business purposes. I also do not intend to use it for business purposes. I am being treated unfairly and WorldRemit 's position is invalid. 

I have only ever sent my WorldRemit transactions to family and friends. 
I never stated that my world remit transactions were business related. 
All of my statements to WorldRemit are also clearly submitted to the Consumer Financial Protection Bureau. And it is clear in all my statements that I never said I performed business transactions through WorldRemit. 

I ONLY said the following : -- I am a XXXX XXXX XXXX. My business is XXXX XXXX XXXX. The name of my business is " XXXX XXXX XXXX '' which is essentially my name. I earn my living and earn my income through my business. My household income " is '' from my business. Thus, I have no choice but to spend the income from my business for my living expenses and personal transactions. Thus, I use my income from my Business account to spend on all my expenses whether personal or business. Sometimes I also send funds to family or friends for large purchases or large expenses including weddings or large purchases such as property which is an asset. 

I made the statement above because WorldRemit questioned how I made my income. WorldRemit seems to be targeting business owners unfairly. WorldRemit is claiming that I can not use my income as a business owner to cater for my family 's expenses and personal transactions because I made my income from my business. This is an unfair practice by WorldRemit and is also not in accordance with any laws for a financial organisation.
Product: Credit card

XX/XX/XXXX, XXXX and XXXX I've called Chase informing them I've once again been locked out of my account. They know I'm a military family stationed overseas and claim that they can use my international number. XX/XX/XXXX and XXXX I informed them I can not get into my account and my bill is due soon. The customer service representative abruptly hung up as i was speaking. This is the second time they've done this and the first time it affected my credit score, as they marked my payment as late, knowing i called over 5 times with no resolve. It wasn't until they gave me a late payment charge that they allowed me to pay over the phone. I had told them then that the prompt to pay wasn't an option it was giving when i called in. There is a token option in which representatives choose to disregard, knowing it's the only way to get me into my account. Suddenly, i keep having to go through extra verification steps they can't claim they can't get through even when i answer security questions correctly.
Product: Debt collection

XXXX XXXX of Global Solution Biz has been harassing me and my family even texted a family member of mine saying trying to get in contact with me for a legal complaint I told him several times only to respond to me through mail he is using threating tactics like having a response team show up to my house, or file with the courts and contacts me several time a day
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX on XXXX and finance it with XXXX. In XX/XX/XXXX I got really sick and was out of work for about a year. 
XXXX repossessed the car on XXXX XXXX XXXX and is reporting the vehicle was repo in XXXX. Also XXXX and the collection agency are both reporting the same information on credit bureaus with XXXX incorrect information. I have challenged them more than a few time but keep on getting the same answer from credit burous that information is accurate especially Trans Union that doesnt help on anything.
Product: Credit reporting or other personal consumer reports

Car was broken into police report received XXXX XXXX  XXXX as well as many complaints to the companies that the increase is made of I did not furnish my credit to anyone or have them attain my information. I would like to remove these hard inquiries, cause I did not authorize none for anybody to use my credit
Product: Credit reporting or other personal consumer reports

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, Iwill require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this must be deleted and completely removed from my credit file and a copy of such deletion request should be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX {$300.00} US DEP ED XXXX {$23000.00} XXXX XXXX  XXXX {$1000.00} US DEP ED XXXXXXXX {$1700.00} XXXX/XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$840.00} XXXX   XXXX  XXXX {$65.00} XXXX XXXX {$0.00}
Product: Credit card or prepaid card

I had 3 business days to decide to void a purchase. Part of this XXXX XXXX  purchase included the Barclays XXXX credit card being added. I received money for the credit check. I later canceled the XXXX XXXX within the 3 business days in which i also wanted to cancel the credit card since I'd have no use for it. I called and they said i needed to wait for the card to arrive. I simply don't want the bill since I'm not using it at all and attempted to cancel within reasonable time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 


XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 I also have inquiries on my credit report that I didn't authorized and unaware of. 

Experian Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX CXXXXY Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiries : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiries : XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit card

I did a wire transfer from my credit card. 
The debit entry on my card read as purchase and i have 0 % on purchase till XX/XX/2016. 
The card company chase charged me transaction fee on that purchase. 
the company should have declined the transaction that i would know they would be charging me charges.
Product: Credit card or prepaid card

I am currently XXXX XXXX and requested SCRA benefits through Navy FCU and have not received them. I've had my Navy FCU credit card since XX/XX/XXXX and I received my 2nd call to XXXX XXXX in XX/XX/XXXX. I faxed Navy FCU the Request for SCRA Benefits on XX/XX/XXXX. When I called a month later to check on the status they said they had a six month long backlog. During the past few years, as a healthcare provider, I have been working on the frontlines of the COVID pandemic. During this time, instead of Navy FCU decreasing my interest rate to the maximum of 6 %, my rate increased from 10.99 % to 15.74 %. This practice is not compliant with the SCRA law and so I am submitting this complaint.
Product: Bank account or service

Hi, I am a Bank of America customer living abroad. I had money transfered to BOA from a bank here in XXXX where I live. The money was sent with all information correct except the XXXX. A trace was done on the amount of XXXX $ and XXXX ( the intermediary bank ) is said to have sent the money to Bank of America, but no information is being given regarding the funds. There has been no receipt of the funds and it has not reached my bank in over 1 month. I am receiving overdraft fees and little help from any of the American banks ( XXXX and Bank of America ). BOA is not responding to the trace sent by XXXX. In speaking to BOA they are saying, they do not see any traces. I have called every week and I am getting no help from my bank 's end in investigating. I had family go to both Boa and XXXX but they were of little help. Again, information from XXXX has been sent to BOA regarding my case as XXXX has opened an investigation. For some reason BOA has not responded to any of XXXX 's trace inquiries. I have attached documents from XXXX XXXX regarding this case. I really need help. 
Thank you.
Product: Credit reporting or other personal consumer reports

Subject : URGENT DISPUTE FCRA VIOLATIONS XXXX XXXX XXXX Acct # XXXX RECENT CFPB ACTION AGAINST EQUIFAX Date : XX/XX/year> Dear Sir or Madam, This letter serves as a formal dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) regarding inaccurate, misleading, and potentially illegal information reported on my credit file for the following account : Creditor : XXXX XXXX XXXX Account Number : XXXX Account Status : Collection/Chargeoff Nature of Dispute : Multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) DEMAND FOR IMMEDIATE CORRECTION 1. Credit Limit Discrepancy ( 15 U.S.C. 1681e ( b ) ) Equifax reports a {$0.00} credit limit while XXXX reports {$2900.00}. This inconsistency negatively affects my credit utilization ratio and must be corrected.

2. High Credit Inconsistency ( 15 U.S.C. 1681e ( b ) ) The high credit limit must be reported accurately and consistently across all bureaus.

3. Incorrect Account Status ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) If the balance and past due amount are both {$0.00}, the account must not be reported as Derogatory or Charged Off.

4. Illegal Re-Aging of Debt ( 15 U.S.C. 1681c ( a ) ( 4 ) ) The Last Reported and Last Active Dates have been fraudulently updated, violating the FCRAs seven-year reporting rule.

5. Failure to Mark Account as Disputed ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) This account must be marked as disputed immediately, as required by law.

6. Failure to Properly Identify New Creditor ( FDCPA 15 U.S.C. 1692e ) If the account has been sold or transferred, the current debt owner must be identified or the tradeline must be removed.

RECENT CFPB ACTION AGAINST EQUIFAX {$15.00} XXXX PENALTY TO CONSUMERS I reference the CFPBs recent enforcement action against Equifax, where the bureau ordered Equifax to pay {$15.00} XXXX t

o affected consumers for : Failing to conduct reasonable investigations of consumer disputes. Allowing previously corrected errors to reappear on credit reports. Not forwarding all relevant consumer information to furnishers during dispute investigations. These systemic failures prove that Equifax has been repeatedly negligent in handling consumer disputes. I demand immediate corrections to avoid further legal liability. FAILURE TO COMPLY WILL RESULT IN LEGAL ACTION If these errors are not corrected within 30 days, I will : File a formal complaint with the CFPB. Pursue legal action under 15 U.S.C. 1681n for willful noncompliance, seeking statutory damages, punitive damages, and attorney fees. ENCLOSED DOCUMENTS Supporting evidence of inaccuracies. This letter serves as official notice under the FCRA. I expect immediate compliance.
Product: Money transfer, virtual currency, or money service

Multiple Unauthorized zelle transfers was sent from my account
Product: Other financial service

Hello, I had processed a moneygram for a person named XXXX XXXX based off in North Carolina. The transaction was a total for {$240.00}. The agreement was that I will be required to pay half and once I receive shipment, the rest. After paying the half, XXXX seems to have gone underground with it. I can not reach him on either of his numbers. The reference number for the moneygram is XXXX. I am not expecting to recover from this sort of fraud but atleast that he gets caught and does not repeat the same thing again with someone else. 

XXXX XXXX is based off in North Carolina and his cellphone numbers are XXXX and XXXX.
Product: Mortgage

After a home refinance, my loan was repackaged and sold to a new servicing company, Nationstar. I setup my first loan payments on a timely basis as well as an additional amount that I designated to be applied to principal on a monthly ongoing basis. Nationstar started withdrawing only the loan payment and upon calling them back they were able to get the additional principal payment setup. However, the setup was apparently created incorrectly. Although payments approximately XXXX the actual amount due were being withdrawn from my checking account on a monthly basis, they were initially incorrectly applied and then some 5 months later my wife noted that we were getting notices for late payment of the mortgage. I called Nationstar and they assured me they would rectify the problem and it would not be reported and would not affect my credit, this was in XXXX of 2015. Again in XXXX I received a notice from a credit reporting agency that my credit score was being lowered due to unpaid mortgage payments. I again called Nationstar and was again told it would be fixed. I did not follow up assuming after twice being assured it would be done, after already being assured my credit would never be touched. This past week on XXXX XXXX I was applying for a refinance of a business loan and when queried about my mortgage by the banker I went online to check my rate with Nationstar. Since my inception they added an online history of payments section and free FICO reporting. I checked my FICO and was dismayed to find that my score which is normally around XXXX or higher was now XXXX. I again called and now got very upset at the continuous lack of attention to my account and the confabulations and empty promises made my customer service agents who really did not care about my credit. I queried about my prior calls and the logs were very thinly documented with no discussions of any of the issues that they created for me. Keep in mind I have paid almost twice what was due during the past 14 months yet my credit score took a hit due to incorrect reporting of 5 months of missed mortgage payments. I am now being told by Nationstar it could take up to 180 days for the agencies to fix my score. If my interest rate on a $ XXXX refinance of a business loan is negatively impacted by this, I will have been financially damaged by Nationstar. I called my lender to find out who regulates the Mortgage Servicing Industry and found that you are the agency that does this. Please help or advise me if I have a legal case against this incompetent and uncaring organization.