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

I made a wire transfer of {$7200.00} to a wrong person, yesterday XX/XX/2023. I immediately tried to cancel it within 30 minutes but unable to find the option to do so on my online banking. By the time I could reach out to customer service, the fund was already received. I immediately started a claim request. When I called my bank to follow up, I talked to a different staff that informed me once its completed there is absolutely nothing they could do. However, when I mentioned that a different staff told me that we could file a XXXX recall, she changed her mind and transferred me to someone else who has limited knowledge. I was told that they already informed the recipient bank and there is nothing they can do. I have asked for the recipient to refund the money but they are unable to do so and started asking for personal information. From their end, the fund was received but the status said : limit exceeded which can mean it was still on hold. I know I needed to act as soon as possible but when I called my bank, they said they are unable to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

CRA violation. I have no knowledge of the fraudulent accounts that appeared on my credit report. My FTC ID Theft Report Number is XXXX.
Product: Credit reporting or other personal consumer reports

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

XXXX 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 ( 2 ) : It also states a consumer reporting agency can not furnish an 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, 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

On XX/XX/XXXX, I reached out XXXX  to closed services towards credit building because the company advertised if used your credit score will now then increased. However, this wasn't the case. XXXX reported to the Credit agencies on XX/XX/XXXX when it was supposed to be reported on the XXXX of each month according to their policy also I haven't owed them {$40.00}. XXXX offered a self credit building option where you can use a safe credit credit building where consumers would have the option to automatically transfer funds from checkings to fulfill any amount owed if any balance accord. However I didn't have any balance owed because I transferred XXXX towards the beginning of that month. When XXXX reported to XXXX  my credit scored plummeted 48 points. XXXX never mentions consumers credit score have a chance of decreasing if used their services during reporting. I have called XXXX to close the account and requested to delete the account from XXXX and stop reporting from any other Credit Agencies such as Equifax and XXXX. Afterwards I dispute the information with XXXX XXXX. After disputing with TransUnion the account Still Remains on my credit report which doesn't give me accurate reporting not did the Credit Reporting Agency restored the 48 points that were lost despite telling them of my circumstances. After closing the account and no longer using their services XXXX still Goes forth with reporting to Equifax and XXXX  despite if the account is no longer open several days, after.
Product: Mortgage

SLS ( Specialized Loan Servicing ) is now as of XX/XX/XXXX servicing our home loan. It was transferred over from ( XXXX XXXX XXXX XXXX ). Just yesterday this Sat XXXX we received a letter from SLS requesting to provide our Flood Insurance, which should have been information that should have been transferred along with all our other XXXX information. The issue is that they are stating that they have already placed a flood insurance dated as of XX/XX/XXXX when we have just been notified that we need to provide our proof of coverage. 

Attached is our Flood Coverage Declaration page as well as our letter that SLS sent us that on the bottom states the 3 different ways we can update our Insurance Information. Well,,,, we attempted 3 times to enter the supposed Reference PIN number : XXXX and it comes up as " Incorrect PIN Number. 

This is how XXXX first attempted to add additional fees to our old mortgage even when we provided proof. On my previous complaint # XXXX on this company taking over our loan I expressed my concerns of how horrid this servicer is and how disappointed I am with XXXX for transferring over the loan. 

Now this is the beginning of our old nightmare all over again. I am faxing SLS the Flood Declaration page via Fax and Mail but I ask that you ensure they follow through with them updating the information so that they do not add fees or an additional Flood Insurance and tack that on to my Monthly Mortgage and its an literally 3 times more the price. 

I ask for your assistance and protection from this form of PREDATORY FEES beginning again.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Yes all three credit reporting companies have a low low credit score for me... the problem is I have alot of paid off debt with little to no missed payments ... I recently applied for credit with a company and they responded to me with a question asking me why my credit scores are so low that I have a lot of paid off debt and that he has never seen someone with the amount of paid off debt have such a low score ... I was told that I should seek assistance with the problem because it's causing me a lot of damages
Product: Debt collection

I was involved in a motor vehicle accident in XXXX. The driver that hit me was at fault, I filed a claim with his insurance company as well as my own to ensure medical was covered. Americollect states that I am responsible for this balance and has placed a collection on the credit report. This is incorrect insurance is responsible for this debt, this responsibility does not lie upon me. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Americollect states that it meets FCRA requirements as per XXXX, XXXX, XXXX. Americollect is in violation of the Fair Credit Reporting Act as they have listed the hospital onto my credit report which is also a HIPPA violation. This is a direct violation and needs to be removed from all credit reporting agencies again I repeat this is not my debt.

As Americollect is violating the FCRA and HIPPA & FDCPA please update your records and remove all negative information/collections accounts immediately. 

Please bear in mind per violation I can seek up to 1,000 dollars per violation at a local venue of my choosing. 
Contacted Americollect on XX/XX/XXXX The at fault party whose insurance this should be collected from : XXXX XXXX XXXX XXXX ( Employee ) Their AL policy number is XXXX and you can call XXXX to submit a claim on their policy. Claim Number : XXXX XXXX  offers no fault insurance protection if needed. Claim Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times to dispute incorrect addresses on my report. There are XXXX addresses that I have not lived at or been associated with. I have asked to have them removed but they will not help in my request because they are linked to an account that is not mine. I am in a catch XXXX because they will not help me remove the incorrect information because its linked to an account and I cant dispute the account because its linked to that address. I have made multiple requests as well as sent in copies of my license, bank statements, personal mail and pay stubs to show my correct address and they are not helping. Please help me get this information corrected. 
The addresses that should not be on my report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX And XXXX XXXX XXXX XXXX XXXX, NC XXXX
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX XXXX sent {$12.00} to collection under my name and informations. I was not aware of this debt until XX/XX/XXXX when i pulled my credit report and it showed up under " Collections '' and caused negative marks on my credit report. By this time the debt was sent to Trident Asset Management for Collections and now it's in collection for {$62.00}. 

I made an attempt to contact XXXX to find the source of the debt, but they said they don't keep any records ...????? I contact the original collection company ( XXXX ) and they have the debt information, but no associated transaction # from XXXX to reference it by. 

I then called Trident Assest Management and they said i need to call to XXXX. 

I have a current account with XXXX since XXXX and it's paid upto date and do not have any other account with them. 

I am writing to see if you can investigate this matter into lack of basic accounting and accountability to send debt off to collection without notifying the customers. Furthermore, the lack of no original transaction # to reference the debt is not right. 

Shouldn't customers know what debt is owed by email mail or phone calls? instead of just sending it to collection and letting the customer in the dark until their credit report is pulled? 

Trident Assest Management acccount # XXXX XXXX claim # XXXX XXXX account # unknown
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting yet another CFPB Complaint in response to your recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXXXXXX XXXX XXXX Balance Owed : {$12000.00} XXXX previously requested for you to investigate the way this account reports information since I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX previously requested that you check the Payment History and Status information on this account because it is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Selene Financial XXXX is not complying to the fully executed forbearance / modification agreement, terms & conditions of modification agreement. This problem has been continuing for over 4 months and have not been resolved. I have spoken to them more than 4 times and have also written them certified and regular mail letters to get the problem resolved.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX to be on my credit report ODE XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 or other personal consumer reports

This monitoring agency is the only monitoring agency that is purposely trying to destroy my life. They had over 25 telephone numbers on my credit report for years and malicious information. They had numbers to track phone that were never given my information at all. One of the numbers was to a track phone I had where I gave no personal identifying information. The rest of the numbers were other peoples numbers. 

I had spoke to this company years ago when they were the only monitoring agency purposely trying to destroy my life. They are like stalkers. XXXX and other agency never put the information they have. When I spoke to this company years ago for how detailed and stalkerish they were being they laughed in my face. They have been putting other peoples details on my credit report since I was able to be monitored by a credit reporting agency and now my information is on the deep web. 

The government needs to investigate this credit reporting agency for destroying white peoples lives. They know someone that is harassing me and Im sick of them putting 25 cell phone numbers to other people when I, XXXX XXXX, have no family or friends to help me in life. They XXXX up my entire life with their malicious and false information. I just discovered other peoples numbers on my report. It needs to be investigated as to how they are getting information. There is no privacy with this company. Just list my debts which is a school loan and stop lying and adding all my stuff to destroy my life because I have a XXXX XXXX XXXX 

Someone has been attacking me online stealing all my data and threatening my life online. I have so many breaches. I have so many identity theft problems and trans union cant keep adding other peoples numbers to my report and saying Im related to people Im not. 

They should be investigated for adding over 25 cell phone numbers that dont even belong to me and they dont even list my current number. Its against the law to destroy my life purposely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported and disputed the XXXX XXXX account on report several times. Due to the fact per their contract vehicle was voluntarily surrendered because we was moving out of state. Not because we was in default at any point. In Fact would have kept it and kept paying had we been allowed. We was told to turn it in. We was also told if we provided proof that we actually moved out of state and not just trying to get out of contract, that Balance would be forgiven. We did that!! There is a statement on Report that we did so. Said vehicle was turned in XX/XX/2018. However still reporting late payments. It will come off for a few months then come back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$8100.00} Open balance XXXXXXXX XXXX Original creditor
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my Equifax, XXXX, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Sincerely, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX {$810.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$880.00} XXXX  XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian Fraud Department XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX  XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals OfficeXXXX XXXX XXXX XXXX, and Federal Trade Commission ). 

Sincerely yours, XXXX XXXX
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 an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I wrote a check from XXXX Print and Fulfillment. Check No. XXXX XXXX XXXX XXXX. On XX/XX/XXXX. The numerical value was {$590.00} but the written amount was {$6000.00}. XXXX cash the check at her XXXX XXXX bank in XXXX XXXX CA. They deposited {$590.00} into her account. XXXX XXXX Bank said that they sent {$6000.00} To XXXX XXXX. I contacted XXXX XXXX XXXX Customer Service on XX/XX/XXXX. I was told that they would handle it. On XX/XX/XXXX they reimbursed {$5400.00} to the correct the situation. On XX/XX/XXXX without my knowledge they took the amount back. I have contacted the XXXX customer Service Bank, XXXX XXXX and many other at XXXX. Had been told that the money would be refunded. It has not. They told a Bank in XXXX had it. They do not XXXX has rechecked XXXX XXXX. They do not have it. XXXX told me they do not know where it is and it is my problem. 
I ask them to let me know where they transferred the money. So, I could check They have not. I have no way at this time to be reimbursed
Product: Debt collection

They continue to contact my family members trying to get information about me saying they need to collect a debt. They were very rude to my parents and my brother on the phone. IT seems like a scam
Product: Debt collection

I reported this XXXX XXXX bill and a collection company called XXXX XXXX for trying to collect on an account opened by ID theft. Soon as I filed my complaint with CFPB XXXXXXXX XXXX sold this account to this new company called XXXX XXXX XXXX , XXXX XXXX XXXX was provided numerous time of the Police report case # and FTC case number for ID theft. Police report and FTC report completed on ID theft for this account. XXXX FL PD Case # XXXX, Officer XXXX, Badge ID # XXXX and FTC  case # XXXX.