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

On XX/XX/XXXX, I submitted a dispute letter to TransUnion via USPS certified mail ( tracking # XXXX ) to challenge inaccurate items on my credit report. Along with the letter, I provided proof of identity, including a copy of my photo ID, Social Security card, and a recent bank statement reflecting my current address. USPS tracking confirms that TransUnion received the letter on XX/XX/XXXX. 
I received a response dated XX/XX/XXXX stating " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
This response is wholly unacceptable and constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, Transunion is legally obligated to conduct a reasonable reinvestigation of any disputed items in a consumers file. By refusing to investigate my dispute, despite receiving clear verification documents and a detailed requestTransunion has failed to fulfill its statutory obligations. To support my claim, I have attached a copy of my original dispute letter and Transunions response.
Product: Mortgage

Our issue has to do with the impartiality of Wells Fargo lack of Home Appraisals dispute process in their Home Refinance package. We as customers are totally removed from this process and ultimately we 're charged a high fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX 2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have disputed several things on my credit report due to not mine and inaccurate information.
Product: Debt collection

I had a washer through conns and purchased a dryer XX/XX/19, the dryer contract paid the remaining balance on the washer and combined to one account. I have since received 10 or more calls a day from various numbers trying to collect on a balance that should be paid off. When I ask for a supervisor I'm told it takes time to combine the accounts and they will put off the calls but the next day the calls resume. My contract clearly states the previous account is paid off. I've already made my first payment on the new account yet the old one shows 2 months due and the calls continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX AUGUSTA COLLECTION 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: Credit reporting, credit repair services, or other personal consumer reports

I was looking forward to buying a new home when seeing my credit report and seeing a installment loan was made in my name that i had no knowledge of this is stopping me from moving forward with my life as a whole XXXX, Experian, XXXX  They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and refusing to uphold the law
Product: Checking or savings account

My name is XXXX XXXX.On XX/XX/21, I Applied for a bank promotion from BMO Harris bank that I saw on the internet.It promised {$500.00}. for enrolling and completing direct deposits of {$7500.00}. within a ninety day period.It seemed like a great opportunity so I applied and was accepted. I was given a promotion code and proceeded to change my direct deposit information with my employer.After my first direct deposit went through I was informed by BMO bank that I didnt qualify for the promotion due to the state I resided in ( Michigan ). Indeed, when I went back over the fine print in the offer the state exclusion was mentioned.However, I feel that when I filled out the application, including my correct address, I should have been rejected immediately rather than be told I was accepted and awarded a promotion code ( see attachments ). 

Defrauded is too strong a word but I certainly felt misled and I feel that I cant be the only consumer who has experienced this.It is a simple solution to change the application process to prevent this from happening.I am a XXXX XXXX XXXX woman supporting my XXXX XXXX XXXX husband and my XXXX XXXX XXXX husband and needless to say every penny counts.I look for any way I can to supplement my income. 

I would ask that I be awarded the {$500.00}. promotion due to my completing the direct deposit requirements, acted in good faith and was unnecessarily confused by the banks application flaws and BMOs misleading response of awarding a promotion code. 

XXXX XXXX
Product: Mortgage

A COMPLETE modification package was sent in and the review process started. XXXX documents were requested by SLS and sent in that same day. On XXXX SLS stated they are refusing to review the file as the sale date is TOO CLOSE. The loan mod review had started. IN CALIFORNIA, a complete package must be in 7 days prior to the sale date. The sale date is set for XXXX. SLS is dual tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a homeowners home while simultaneously considering the homeowners application for a loan modification. Rules issued by the Consumer Financial Protection Bureau ( CFPB ) as well as various state laws and the National Mortgage Settlement ( NMS ) offer protection to homeowners in this situation. The CFPB rules, which became effective XX/XX/XXXX, strictly limit the ability of mortgage servicers to foreclose on a borrower while also negotiating a loan modification. SLS is discriminating against XXXX XXXX based on her race, ethnicity, language, national original At this time, we are demanding the sale date be postponed to continue the review or XXXX XXXX will assert her legal right in district court naming SLS as a defendant
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on four separate occasions to correct this problem via the credit bureaus. It appears that Freedom Mortgage is not will to correct the issue. Per their own correspondence to me, they stated they would report the account as " Settled in Full for less than Owed. '' They are however reporting this as a foreclosure and it cost me finances on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

The company in question is Zelle Pay. They cancelled a transaction and refuse to ensure my money is returned. I have used this service a couple of times already to pay my landlord XXXX XXXX for rent. He has a Zelle participating bank account with XXXX. My bank account is with XXXX, which is not participating in Zelle and I have been using the Zelle Pay app. 

On XX/XX/XXXX I sent {$500.00} which was posted successfully from my bank account. Unlike the other times, I received no confirmation from Zelle. On XX/XX/XXXX Mr XXXX received an error message stating the transaction was cancelled. Neither me nor my bank ( XXXX ) received any notice of any issue. No money was returned to my bank or to me. This transaction does not appear in my Zelle user history!! 

On Sunday XX/XX/XXXX Mr XXXX informed me that he did not receive my payment. 
On Monday XX/XX/XXXX I called my bank and they confirmed sending the payment successfully to Zelle. Mr XXXX called XXXX and they confirmed the payment was not successful and had been cancelled. I reminded him this could not have been cancelled by me as Zelle does not allow users to cancel. It was cancelled from the recipient bank ( XXXX ). 

On Tuesday XX/XX/XXXX I called Zelle to find out when my money would be returned- they said it is my banks responsibility not theirs and that my bank has the money. I called my bank and found this is not true. XXXX from XXXX and I did a three way call with XXXX the supervisor at Zelle who also claimed Zelle is not responsible for these transfers and does not maintain transaction records. She gave us the cancelled transaction number and had no other information. XXXX from XXXX said that she filed an internal dispute paperwork but is unable to complete it without tracer information from the transaction history, which is a basic record that Zelle should have on file. The Zelle rep told me to fill out an online request which I did. I never received a response. 

On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX I again called Zelle and was refused further information or assistance. The service reps are instructed to claim that the money was immediately returned to my bank and to my account. Neither is true and I called XXXX again to confirm this. I said to the Zelle representative that this transaction was not completed as per my authorization and that I would follow up with a fraud dispute. I again was told there is no transaction information kept by Zelle. 

Zelle Pay is failing it's proper diligence for a company that advertises widely as a safe Financial service backed by major US banks. It should be investigated and sued for there are many consumer complaints of fraud and lost money.
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 : XXXXXXXX XXXX  Account Number XXXX Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXXXXXX XXXX  Account Number XXXX has violated my rights. Or list of inquiries 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres several errors on my credit report that need to be removed immediately. I've contacted Equifax a few times but still dealing with the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX, US DEPT OF EDXXXX Account number XXXX, XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX, XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, has violated my rights as follows 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 which I have NOT provided. 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I checked my credit report, and noticed a new collection account from Diversified Consultants. They say its a debt from XXXX XXXX. I have never had service with XXXX XXXX. I contacted XXXX and they have no record of me. I want this removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Checking or savings account

Consumer complaint narrative I am filing this formal complaint against Navy Federal Credit Union. My complaint pertains to their handling of multiple credit applications and my checking accounts, which has raised some grave concerns in regards to securities fraud and tax evasion per the Securities Exchange Act and from perusing the deposit contract, credit contracts, and the law governing my protection. My checking accounts were opened XX/XX/XXXX and I applied for personal credit multiple times since I had a relationship established with XXXX XXXX. The credit applications and my deposit account was securitized by XXXX XXXX where they also received a XXXX  number and engaged in trading activaties with my securities. According to research, Navy Federal operates under a 501 ( c ) 3, which is a non-for-profit bank, yet is charging me for late fees and overdraft fees. The NCUA clearly states that my overdraft fees are insured and should not be charged, showing negative on my account. 15 U.S. Code 1691 states that I can not be denied credit based on any discrimination. I sent a letter with my concern to the head of the legal department requesting documentary evidence on the matter of overdraft fees and the denial of credit and the basis of those multiple denials. I also revoke per ( 16CFR 433.1.2.3 ) requesting to STOP collecting interests on my checking account contracts and credit applications being sold, and all payments returned to me as I am the Invester and not the creditor nor the finance company ( which the contract is legally between per 16 CFR 433.1 ). Navy Federal is operating as Navy Federal Investment Services, LLC and Navy Federal Financial Group, LLC ( trustee company ) which according to the Trust Indenture Act of 1939 and SECURITIES PURCHASE AGREEMENT STANDARD TERMS for Credit Unions can't be so. Besides the fraud that has happened through the overdraft fees and the denial of my credit applications, my livelihood and lot was worsened and diminished, and the it is reflecting adversely on my credit reporting, hindering my personal, family, and household pursuits of credit, employment, etc.
Product: Debt collection

XXXX has been harassing me by inaccurately trying to collect debt when I never signed up with them for any type of services. I called XXXX a while back to explain that they have the wrong person for the debt and i wish to not be contacted but XXXX continued to pursue me for debt that I don't know and has even turned it over to a third party Nationwide Credit , Inc in the amount of {$130.00}. XXXX and Nationwide Credit , Inc have violated the law by pursuing me when I never signed any documents or spoke to someone regarding the address I stay at. Furthermore I am not the lease holder nor do I hold a mortgage for the address they have on file so I don't know why they would be billing me especially since I never signed any documents nor did I have a written or verbal agreement. This is a violation of my rights from both of the companies for harrassing me and disrupting my right to privacy. This is a violation of my rights 15 US Code 1681 A4 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquirer Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX-XX/XX/XXXX Contact Information:XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This inquiry is on my XXXX report please have them remove this from my account i did n't authorize anyone for inquiry. thank you. 

Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX -XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquirer Name : XXXX XXXX inquiry Date : XX/XX/XXXX-XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Each of this companies have put 2 inquiry 's on 2 different dates i have never applied for this credit cards for accounts. thank you
Product: Vehicle loan or lease

We have applied for a car loan for a used truck the last place we went to explained That the banks don't want to give loans to people who collect social security pensions or work for XXXX  because they are not allowed to attach a judgment againt there checks this is discrimination 100 % so no senior or anyone o. Social security can get a car because if they fall into a hard time again they can't collect the money so make seniors and disabled people walk everywhere
Product: Credit card or prepaid card

I loaded {$500.00} on a card. The company refused to register my account and stated they would refund the balance via check. I never received the check. Additionally, the company representative stated that a {$5.00} fee was removed from my balance. I did not agree to this fee. The only fee I agreed to was {$1.00} at the point of sale.
Product: Credit card or prepaid card

I applied American Express SPG credit card at XX/XX/XXXX. The promotion offer is XXXX Starpoints after {$3000.00} or more purchases within the first 3 months, and additional XXXX Starpoints after additional {$2000.00} or more purchases within the first 6 months. On XX/XX/XXXX, the customer service of American Express had confirmed that I have met the spend of {$3000.00} and should receive the XXXX Starpoints on the statement of XX/XX/XXXX. But I still have n't received the XXXX Starpoints even on the statement of XX/XX/XXXX. Attachments include : ( 1 ) The American Express SPG credit card was approved at XX/XX/XXXX. ( 2 ) Confirmation of meeting spending requirement form AmEx Customer Service. ( 3 ) Statements from XX/XX/XXXX to XX/XX/XXXX showing that I spent more than {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to TransUnion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.