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

My name is XXXX XXXX. I remitted money to XXXX through Sigue Corp on XXXX XXXX XXXX The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I have requested a refund from SIGUE CORP through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/scrub>XXXX XXXX XXXX. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Product: Bank account or service

I found money missing from my Chase checking account. It seems my debit card information was hacked and used at ATMs in the area. It was missing in increments of {$800.00} over a span of 5 days. Total {$4000.00}. As I can not take more than {$500.00} a day from my account by way of ATM, it should be a closed case. I found out last week that Chase decided they are not reversing the disputed charges on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is with XXXX XXXX XXXX XXXX and it shows that I was late in XX/XX/2017. My loan was actually in deferment. I recently checked my credit due to wanting to purchase a home in the near future and discovered this negative remark on my report. This negative remark lowered my FICA score by more than 50 points.
Product: Credit card or prepaid card

I receive daily emails from Bloomingdales with my credit card balance. On or around XX/XX/2022, the email stated I had a balance of {$710.00}. I immediately called Bloomingdale 's and reported the charge as fraudulent and told them I never received the card referenced in the email Then on XX/XX/2022 another charge in the amount of XXXX was added to the already fraudulent balance. This is also a fraudulent charge. Neither I nor anyone else in my household received the cards from Bloomingdales nor did either of us make the fraudulent charges
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card

XXXX XXXX XXXX XXXX NY XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2015Bank of AmericaXXXX XXXX XXXX XXXX TX XXXX XXXXThis is a disputeGentlemen : I wrote the attached letter XXXX XXXX, 2015 and XXXX XXXX, 2015 and this letter XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015 and I have been contacted by the dispute collection dept. 

Clearly Bank of America MISTAKENLY XXXX and admitted same ) sent me {$3000.00}. 

When I received the check there was no explanation and no account number. I cashed the check and spent the money. Even though this was Bank of America 's mistake I am prepared to pay back the {$3000.00}. I told this to the dispute/collection dept. but they insisted that because I had use of the money I would have to pay interest. 

My credit balance, which initiated this whole issue, did not earn interest even though Bank of America had use of the money. They were quite insistent and I therefore hung up on them. 

Like I stated above I am prepared to pay back the money but on my own terms and conditions NOT Bank of America 's. 

I will pay back at the rate of XXXX monthly payments in the amount of {$300.00} each. If this is satisfactory to Bank of America please email or mail a clear unequivocal confirmation with no conditions. Upon receipt of your correspondence I will commence the repayment. Furthermore none of this is to be recorded by ANY of the credit agencies. 

However if you initiate a suit I am prepared to meet you in small claims court. 

Also please do not call me for collections. You owe me my credit balance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I looked at my report back in XXXX of XXXX then again in XXXX of XXXX and noticed somethings are incomplete and not accurate and are from a result of identity theft. I have reached out to the creditors and bureaus to advise that they remove and block this information. They have failed to send any original contracts or documents linking the accounts to me and have now failed to remove from and block this information from my reports. This is multiple violation of my rights under the FCRA and I am demanding this information be removed and blocked from reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active and the high balance is reported differently across all 3 reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE LOOK INTO THIS MATTER
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I applied for a credit card with XXXX. This activity is managed by XXXX XXXX. On XX/XX/2020, in an email response, I was informed " Your request was denied for the following reason ( s ) : Unable to access credit bureau due to freeze or lock ''. In another section of the email message, it identifies the reporting agency as SageStream , LLC. While it is true that I have placed a freeze on my credit report with XXXX, XXXX, and XXXX, I was not aware SageStream existed as a credit reporting agency and as such, would not have known to request a freeze with this organization. 
I attempted communication with SageStream LLC and while a phone number for Customer Service is published, interaction is entirely via voice prompt and there is NO OPTION to talk with a real person for issues that are not included on a narrow list of services. 
My application for credit to which my credit score would entitle me is being rejected as a result of SageStream consumer relations practices.
Product: Credit card or prepaid card

Bank of America is refusing to investigate fradulent cash advances on both of my business credit cards and lowered the credit limits on both of them as a result of the cash advances. They are refusing to investigate because they claim their records do no go back far enough to see the dates of the transactions. They are ONLY A FEW MONTHS OLD. There is no reason for them to not be able to see them. Also since the cash advances were NOT initiated by me, there is no reason that my credit limits should have been deleted.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for the immediate removal of an inaccurate late payment reported by XXXX XXXX XXXX on my Experian credit report. The late payment reported for XX/XX/scrub> 2024 under Account # XXXX is incorrect and must be corrected immediately. 

Under 15 U.S. Code XXXXi ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to modify or delete information that is inaccurate, incomplete, or unverifiable without unnecessary investigation or delay. This late payment is being disputed as inaccurate, and per FCRA XXXX ( b ), you are obligated to ensure the maximum possible accuracy of all consumer data. 

Additionally, per 15 U.S. CXXXXe XXXX ( a ) ( XXXX ) ( B ), data furnishers are prohibited from reporting information they know or should reasonably know to be inaccurate. Since you are publishing this incorrect late payment, you are in direct violation of federal law. 

I am NOT requesting an " investigation '' I am demanding an IMMEDIATE update. 
Any failure to correct this reporting within XXXX ( XXXX ) days will result in the following actions : Official complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 
Legal action under FCRA XXXX & XXXX for willful noncompliance, making you liable for statutory and punitive damages. 
I expect an immediate correction and an updated credit report reflecting the removal of this fraudulent late payment. If Experian fails to comply, I will have no choice but to escalate further. 

This is your final notice. Correct this immediately. 

Sincerely XXXX XXXX
Product: Debt collection

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has not been updated in a long time, 6 months, and are showing higher balances that what is update to date and is affecting you mortgage application. I have a XXXX balance and the creditor does not report accurately to credit bureaus. 

Creditor : XXXX XXXX
Product: Debt collection

-In XX/XX/XXXX, I was sent a notice to my address in Michigan by XXXX XXXX XXXX XXXX XXXX that my debt ( collected after having to live off my card due to house and joblessness ) had been sold to Portfolio Recovery Associates , LLC for {$2200.00}. As I had already moved to Florida, this letter was not forwarded to me in a timely manner. At this time, it showed up on my credit report as a collection debt. 

-Once I had obtained the supplemental information provided by Portfolio Recovery Associates LLC as proof of veracity of claim after disputing the collection, I was able to see the aforementioned notice, as well as a statement from Portfolio Recovery Associates containing my account number, the ( now corrected after an updated credit report request by them ) Florida address it was sent to, amount owed, contact information, etc. When I contacted Portfolio Recovery Associates, I was told they could not give me any further information because it had been transferred to be litigated. 

-Three years to the day XXXX XX/XX/XXXX XXXX and two states later, apparently a lawsuit was filed against me in an attempt to collect the debt. I was never served a summons. Once I found out about and looked up the case, I saw they had the correct address but an incorrect name, one that was corrected with the credit bureaus two months after said debt was sold to PRA. Thus, the notice of 'summons returned served ' in the court review is incorrect. Once I learned of the suit, I submitted the necessary paper work on my behalf. After that, I didn't hear from them, nor did an updated search return anything. 

-In XXXX of this year, I received a notice from the XXXX XXXX XXXX XXXX XXXX stating that the case was to be closed in a month due to lack of prosecution if no action takes place before then. Just before that dead line, the attorneys for PRA XXXX XXXX XXXX XXXX XXXX filed a motion to transfer the case to XXXX XXXX, citing that this was where they ( in fact did not ) serve the original summons. Once this was granted, they received a letter from the Clerk of Court stating they had 30 days to pay the transfer fees or the case would be dismissed. Two days before that due date, they submitted payment at the last minute. As of yet, I have not seen nor received anything from the XXXX XXXX XXXX XXXX regarding the matter.
Product: Debt collection

I have a timeshare with XXXX XXXX XXXX. My then wife and I moved away as we sold our home. We spoke with someone over the phone regarding our situation as we were seeking to either re-deed or sell the time share as we were going through a divorce also to advise of our new address. The address was never updated and the Maintenace fee 's for said property were being billed to our old address. Neither of us received one phone call or email regarding this bill. The bill was then sent to collections and i identified a new account on my credit report. I reached out to satisfy the debt however, I still have a collection item on my credit report but marked as paid. XXXX XXXX XXXX XXXX XXXX  made zero effort to contact either of us to remedy the situation. Also, we changed our address which was never updated. Now my credit has been severely impacted because of their negligence and lack of a reasonable attempt to collect a debt prior to sending it to a collection agency,
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of inquiries on my report that I did not authorize those companies to do and I need them removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate items on my credit report and I am requesting your assistance in getting them removed. The incorrect information are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving this matter with the credit reporting agencies directly. I have attached supporting documents to my letter for your reference, including correspondence with the credit reporting agencies. I believe this documents to my letter will demonstrate the errors made by the credit reporing agencies and support my request for the removal of the disputed items from my credit report. These are the following fraudulent items that are needs to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX is being reported different and incorrected on al the credit bureau , on transuion the above accout is beig reported as last active on XX/XX/XXXX and and of last payment on XX/XX/XXXXXXXX XXXX XXXX  its last active date is being report as XX/XX/XXXX and a last payment date on XX/XX/XXXXXXXX XXXX XXXX is reporting a last payment date on XX/XX/XXXX and a llast active date on XX/XX/XXXX and all the above is hurting my chances of getting a loan
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX Account # 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 that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}, {$48000.00}, {$390.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.
Product: Checking or savings account

XX/XX/XXXX - An attempt was made to fraudulently wire transfer over {$48000.00} from my business checking account, which Citibank blocked. However, I was not notified in any way that this attempt was made. I only learned about it in a later call with the bank 's customer service. I could have told them to block the account at this time had they let me know and saved a lot of money, pain and suffering. 

XX/XX/XXXX - A fraudulent transfer of {$46000.00} was debited from my account. Again, I was not notified in any way ( text, email or phone ) that this transfer was made. I noticed the transaction later in the day. It showed as pending on my online banking, so I immediately called Citibank. They told me that the wire transfer department was already closed and that I would have to call back when they opened in the morning. I called a second time, requesting that some action could be taken immediately, but was refused any help. ( During a later call with the bank, I was instructed that Citibank actually does have an after hours process, but they refused me this information at that time. ) XX/XX/XXXX - I called the wire transfer department as soon as they opened to report the fraudulent transaction. At this point, they said the wire had already gone through to and it was out of their hands, but they would issue a wire recall request. I filed a police report and FBI report. 

XX/XX/XXXX - A credit of {$1700.00} appeared in my account that was affected by fraud. This is the amount Citibank was able to recover from the thieves. 

XX/XX/XXXX - Citibank told me that my claim had been denied, but gave no reason why. I requested an appeal and sent them the police report and FBI report. 

XX/XX/XXXX - I received a letter saying " We have completed our investigation of your fraud claim. Please note it has been denied. Our decision was based on : " Leaving a blank where they should have written how they made their decision. 

I am writing to you in hopes you can help me recover the stolen funds. I have spent an enormous amount of time trying to work with Citibank in trying to resolve the issue. There are " notes '' for my case in the Citibank system that should show all the time I have spent on the phone and in the branch with them. 

I previously lodged a complaint under XXXX, but received a response that the complaint listed someone not on the account. I did not name anyone in that complaint, so do not accept this as a basis to refuse my reasonable request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.