23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Income tax lien filed in XXXX in the XXXX XXXX Court. I have lived in State of XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer. 


Consent to publish the
Product: Money transfer, virtual currency, or money service

This complaint is in 2 parts. 

First, Remitly has been wrongfully charging my business debit card ending XXXX as a credit card which has incurred 3 % of the total transfer cost since I joined Remitly from XX/XX/2024 to date. 

On XX/XX/2024 I confronted Remitly regarding the wrongful debit since my card was not a credit card and should not be treated as such. The representative said the 3 % was not going to Remitly and it was my bank charging 3 %. I explained that I have another business debit card on file ending XXXX and this card was not being charge a 3 % credit card fee. To get hardcopy proof that my card was not a credit card and my bank was not embezzling this supposed 3 % because we would have notice these credit card fees on our statements. The representative then provided to emails to submit our complaint to XXXX and XXXX. 

XX/XX/2024, our bank responded stating that it was not a card processor and confirmed it was not receiving said 3 % credit card fees from all Remitly transaction or any financial service. Our bank also confirmed our card is in fact a debit card and not a credit card with documentation. 

XX/XX/2024, I submitted all documents to both email from the Remitly representative ( XXXX and XXXX ). Today XX/XX/2024 we still havent received any feedback from Remitly forcing legal actions as advised from our attorneys. 

Secondly, on XX/XX/2024, to avoid 3 % credit card fees on my most used debit card while we disputed why Remitly was treating our debit card as a credit card, I decided to use my personal XXXX XXXX XXXX XXXX account to cover emergency expense in the amount of {$270.00}. Right after I competed the transaction, it failed. I closed the app and tried signing and received a notice stating my account was suspended. I called Remitly to get a resolution and the representative asked me to provide an ID and bank statement for the savings account for review before the account will be opened. I submitted requested documents same day. However, it took nearly 2 weeks before my account was reinstated. The irritating part was I had to be calling Remitly through out until one representative informed me that my documents were verified and went ahead to reinstate my account OVER THE PHONE. No emails, no phone calls, no notice, just absolutely nothing from Remitly. 

The next time Remitly decides to wrongfully suspends my account especially when I needed to make an emergency transaction, it will result in a lawsuit for damages incurred. If Remitly suspects I dont own any bank account I have on file, said bank account or payment method should be disputed and not suspend the whole account since I have other payment options in my account. Remitly might not think it a big deal suspending my account however this hurtful and stressful act from Remitly will not be tolerated since I havent done anything wrong.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries that were fraudulently added to my credit file. I am a victim of a data breach, and these items were not authorized by me. Under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA XXXX ( b ), I am entitled to have these fraudulent items permanently removed. 
Accounts to Be Blocked and Deleted : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

Despite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. This account has already been removed from my XXXX report and needs to be completely removed from my XXXX and XXXX within 10 days or less. I have uploaded all the necessary documents.
Product: Credit reporting or other personal consumer reports

Transunion is currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the XXXXXXXX XXXX XXXX XXXX stated that they did not provide information to Transunion or XXXX and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
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: Vehicle loan or lease

I have a letter from Santander Consumer USA, dated XX/XX/XXXX, this letter is an offer letter that gave the impression that I, the consumer, had a limited time to pay a settlement and for me to act quickly. In XXXX I was seeking a vehicle to purchase and was able to find a vehicle at XXXX XXXX, after some time of making monthly payments I fell behind and eventually the vehicle was repossessed from my location information resulting in invasion of privacy.This closed account was and is currently being reported to all credit reporting agencies. This dated letter states I have a {$24000.00} balance and for me to act quickly by paying {$7700.00} in bold faced letters, which felt like intimidation. I received this letter after my vehicle was sold.This account was sold to XXXX XXXX and is currently being reported on all credit reporting ag

encies. Pursuant to Title 15 US. Code 1692a ( 3 ) ( 4 ), I am th
e consumer and the creditor. This alleged debt from Santander  Consumer USA and XXXX XXXX for an auto loan is fraudulent. I am currently verifying my credit report and in the process I have discovered that my initial communication with Santander was under misrepresentation and I was taken advantage of as a consumer. I am the creditor that offered credit pursuant to US. Code title 15 1601 but yet Santander was attempting to collect an alleged debt and is currently  reporting it closed on all credit reporting agencies and XXXX XXXX is reporting it as an active debt collection account. I have suffered harassment and abuse ( 15 U.S. Code 1692d ), my car was repossessed ( 15 U.s. Code 1692f ( 6 ) ( c ), as a consumer I was furnished certain deceptive forms ( 15 U.S. Code 1692j ) which put me in an uncompromising position in commerce.
Product: Debt collection

Someone by the name of XXXX from XXXX XXXX XXXX keeps calling me numerous times a day despite the fact that I told him that I wanted him to stop contacting me and that I have representation regarding any credit issues and gave him the name of the legal representative. He uses numerous different numbers to call me from, but his call back number is XXXX with extension XXXX.
Product: Checking or savings account

Consumer Finance Protection Bureau XX/XX/XXXX On XX/XX/XXXX we suspected fraud on our Wells Fargo Bank Account. We called the Wells Fargo Customer Service Number on the back of our Debit Card. Our call was intercepted and diverted by scammers to themselves. They posed as Wells Fargo Fraud representatives. They said they were there to help us secure our money. During that process they stole {$25000.00} from us via a wire transfer. 

We totally trusted them! We thought we were talking to Wells Fargo Employees! The scammers were able to intercept our call and divert it to themselves and operate as though they were Wells Fargo representatives. 

They said an online XXXX Gambling site was trying to steal our money. They said, they had set up a virtual bank account. We were to send $ XXXX via a wire transfer to protect us from losing it. 

On XX/XX/XXXX we brought this situation to the attention of a Wells Fargo Banker. She said the call, which we made using the number that is on the back of the debit card, showed up on their call logs. This Banker also said the wire transfer was done incorrectly. Upon reviewing the paper work for the wire transfer, she said a second person did not sign off on it and there was a lack of a pin number. She said, she would have never let it go through! 

We strongly believe that Wells Fargo should credit the $ XXXX back into our checking account. 
1. We followed the proper protocol, in calling the number listed on back of the Debit Card.

2. Their Customer Service Number was not secure at that time.

3. Mistakes were made on the wire transfer. It should have never gone through.

4. If the call to the Customer Service Number had been secure and gone to Wells Fargo, this situation would not have happened!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE.
Product: Money transfer, virtual currency, or money service

I have sent money to Binance.us to trade crypto currencies and it was letting me trade my {$2000.00} USD that I sold of Ethereum to buy Dogecoin. I sold the Dogecoin and now they locked my trading or withdraw ability claiming I have not " Verified my Address ''. This has been going on since XX/XX/2021, goin on a month now. I have sent bank statements, utility bills, ID drivers license, and any other document that shows my billing address which is my XXXX XXXX and my physical address of where I live and they still haven't given me access to my funds. 

I have tried to reach this company through their ticketing system, and I get automated responses that do not lead to any answers. When I submit a document they reject it. I have emailed XXXX XXXX ( XXXX ), and XXXX XXXX ( compliance and risk manager ) twice and they have not responded to anything. 

I have messaged the XXXX " Binance.us support team '' and no response to multiple messages. 

I need to withdraw my money from this account because the platforms staff have been disregarding me and causing a hardship on getting my funds back.
Product: Credit card or prepaid card

I have a negative credit balance of {$480.00} on my card that was a result of me overpaying my credit card. 

This has happened multiple times and I always have to call bank of america to get it transferred back. It has been XXXX weeks since I called and the money is still sitting in my credit card and not back to my checking account ending in XXXX. 

The customer service representatives are unable to help and they keep saying " its on the way ''. 

In addition I filed XXXX disputes, XXXX against XXXX, XXXX against XXXX, and XXXX against XXXX. I was told I would receive an email to submit documentation showing my XXXX flight was cancelled and such and I was never given that email. I also have not received any temporary credits for these charges.
Product: Checking or savings account

Dates and Amounts :  XXXX /2017- $  XXXX   XXXX /2017- {$100.00} -   XXXX  /2017-  XXXX  and  XXXX / XXXX / 2017  - {$50.00}. I called and went by the bank on  XXXX / XXXX / 2017  to inquire about the amount that has been taking out of my account ; and was told to come back on  XXXX / XXXX / 2017  to be able to see the image on the check. At that time I was not aware of the other amounts that have been debited from my account without my authorization. looking at other dates I found others dates and amounts unauthorized.  XXXX / XXXX /   2017  is when I was presented with the printout of other amounts that was taken out of my account.   I was also told close the account and open a ne w one and  I did.
Product: Debt collection

XXXX XXXX XXXX has failed to properly mail me my rights to disputes a debt I dont know about. They have went ahead and added a debt without authorization to the credit bureaus. I am undergoing a police report due to identity theft and fraud and havent been receiving mail at my mailing address. The USPS is investigating the matter as mail is coming up missing frequently.
Product: Credit reporting or other personal consumer reports

I provided this company with proof that my lease contract was opened in XX/XX/year> was canceled due to the company failing to uphold the lease agreement. I withheld funds from the company for their violations and trans union has posted information from a confirmed canceled contract on my credit report. I disputed these charges through my financial institution and was refunded my payment due to the company 's failing to uphold the lease. They use the credit reporting agency as a court to impose fraudulent charges. The company did not attempt to communicate with me and also lied in emails regarding the charges that I sent to trans union. The amount that circa put on my credit report is also fradulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX Balance : {$8400.00} XXXX XXXXBalance : {$4800.00} XXXX XXXX Balance : {$4800.00} XXXX Balance : {$8800.00} XXXX  XXXXBalance : {$8600.00} XXXX : {$7400.00} XXXX XXXXBalance : {$4500.00} XXXXBalance : {$3600.00} XXXX  XXXXBalance : {$5700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXXBalance : {$0.00}
Product: Credit reporting or other personal consumer reports

I wish to dispute the following information found on my Experian credit report. 
I was a victim of ID Theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2024 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Product: Debt collection

M & T Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get some things off my credit report with XXXX, Equifax and XXXX  that are way over 7 years some are even 8 plus years old. I have been fighting this since XX/XX/2021 What in the XXXX why is it taking so long. I know by law they are supposed to come off at sevens year so AGAIN WHY????? 
So they just get to decide when they feel like it they can remove them and dont care about the law and people lifes. I feel they are just lazy and not doing their jobs it not the hard when I sent them a letter which details on it about the issues and why I was disputing them. 
My next action will be to obtain legal service and SUED!!!!!!!! 
This is total XXXX that I am having to waste my time with writing this complaint all because of the credit bureaus not getting things DONE.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to account ownership. I am requesting that you provide me the promissory note of this account. It states I am a " joint, '' but I am sure I was the primary and my sister XXXX XXXX was the joint. Also, you have not fulfilled your promise and removed the comments from XXXX XXXX 's XXXX report which still remain to this day. WELLS FARGO HOME MORTGAGE XXXX. Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. The previous employees of WF that were handling my disputes were XXXX XXXX XXXX & XXXX XXXX XXXX which I left a voicemail with. 

Truly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

Upon checking my credit report in XX/XX/XXXX, I noticed several accounts that I was not familiar with. One of the those accounts was a XXXX XXXX credit card with a balance of {$970.00}. I immediately mailed a letter requesting proof/explanation of the debt via USPS certified mail ; tracking # XXXX. The letter was delivered XX/XX/XXXX, to this very day, XXXX XXXX have not responded to my request and insist on imposing this debt and reporting it to the credit bureaus. The date of the letter is in the right hand corner, RTN : XXXX XX/XX/XXXX ( see attached ). The number is a response tracking number with the date incorporated. No response was ever received.
Product: Credit card or prepaid card

On XX/XX/15 I applied for an American Express Gold credit card and was approved. 
I gave them my personal information. The website was legitimate and authentic. 
My request was processed and I was mailed the card. 
However the following morning I received multiple calls seemingly from the American Express service number. Then they finally called me a fourth time from a different number of a known scammer and left a voice mail. The number was XXXX ( XXXX ) XXXX. In the voice mail. They knew my full name, phone number and the fact I had recently applied for specifically an American Express credit card. At the time I was confused. They asked me to call them. So instead of calling the number back. I went to the American Express websites and called the help desk directly. They said they had no records of them calling me and it was extremely unusual since there was no problems with my account. I immediately knew something was wrong. The scammers clearly spoofed their phone number to appear like American Express help service. I called their security department explained the issue. The service woman explained that they keep my information safe and do not share data with anyone. This was clearly not the case. 16 hours after signing up for an American Express Credit card, I get scam calls about an American Express Credit card using my full name and credit card. The chances of me getting this scam call was either the worlds largest coincidence or the more likely scenario is American Express is compromised I would now like to mention I am cyber security engineer and ethical hacker. I am extremely aware of the dangers of the cyber world. 

Bringing me to 3 possible conclusions. American Express either had poor security standards, has a small group of employees who are stealing data, or American Express is lying and is selling data to 3rd parties. In any case, this is an egregious and blatant failure of American Express to protect its customers and data. 

To add on at the end. XXXX ( XXXX ) XXXX. This is the scam number. Searching it on the internet, you can find other people complaining on online forums about this number specifically, doing the same scam. This is a long running issue that has not been resolved for a minimum of one year. Which is a long time for a single scam number to be active.