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

XX/XX/XXXX - I attempted to make an international transfer through Wise to a service provider using an XXXX. Wise sent me a message immediately saying they could only make the transfer using the XXXX XXXX. I responded providing the XXXX details. ( Transaction # XXXX ; amount XXXX XXXX  ) XX/XX/XXXX - I logged into my account to see the transaction was still paused. This transfer had urgency so I contacted customer service via Wises in browser chat to see what was the status. I was informed that there was an error on their end and it would take 5 days to clear. I asked if the agent could cancel the transaction. He said he could. I asked him to. He confirmed the transaction as cancelled. I made the transfer again using alternative XXXX based account details provided by the service provider. The transfer was made instantly and the service provider confirmed. ( Transfer # XXXX, amount XXXX XXXX  ) XX/XX/XXXX - I logged into my account and notice that the transfer that had been cancelled is marked as sent. I immediately contact Wise support via email. I received a response from XXXX XXXX ( Wise  ) with an email saying my transaction had not been cancelled but could be recalled. I replied immediately explaining again that they had provided cancellation confirmation to me, the transaction should not have been sent, and they payment needs to be recalled. 

XXXX - I receive notification that my account is being closed. I file a formal XXXX with Wise  regarding the cancelled transaction. 

XXXX - I receive an email from XXXX XXXX ( Wise ) telling me my transaction has been sent ( It appears they are not reading my messages at all ). I respond with the following immediately : " I realize it was sent. I received confirmation that it was cancelled from you via your support chat and the money was sent twice as a result. You then sent it even though your support told me it was cancelled. You need to return my money for this transaction. '' XXXX - After receiving no reply. I send one more message telling them I will be filing formal complaints with whatever regulatory authorities are relevant. I receive no reply to this message either. 

XX/XX/XXXX - I no longer have access to my account or support.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Checking or savings account

I received an email invoice from XXXX for purported services or goods, which were neither solicited nor authorized. Upon alerting my financial institution, Charles Schwab, of the unauthorized transaction, they assured me of an investigation. However, following a superficial inquiry, they deemed the charges legitimate and closed the matter. Subsequently, I engaged with XXXX to address the issue, and while they acknowledge the fraudulent nature of the charges, they require confirmation from my bank indicating the closure of the case on their end. 

Regrettably, Charles Schwab has been unwilling to provide the necessary assistance to rectify this situation, thereby leaving me in a prolonged and frustrating predicament. Despite my persistent efforts, spanning XXXX months, I find myself caught in a disheartening scenario where both companies seem indifferent to the plight of the customer, instead inadvertently facilitating this criminal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the COVID-19 I have reached out to XXXX student loan service to ask whats options I had in a assistance with financial stress. I was given the option to place my loan in forbearance for 90 days, which I opted to do. The company did not let me know that they would be placing a note on each credit reporting agency under their debt the consumer has been affected by a natural disaster in which has dropped my score by about 20 points on each. I asked to have this removed to no avail due to the negative effect is has had on my credit score.
Product: Credit reporting

Transunion did their investigation and came back with updated information. Well I called the creditiors which i will list and they all came back and said they have no information on file. how did Transunionninvestigate without calling the creditors to see if this was my account. Also in 2013 i was a victimn of ID Theft which Transunion could havedid a better job at investigating the inaccurate information because it is still on my file. 
1.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record ) 2.XXXX spoke with XXXX Employee i.d . # XXXX @ XXXX Account number is XXXX ( No Record ) XXXX XXXX this is the same creditior so its being repored twice. 
3.XXXX spoke with XXXX @ XXXX Account # XXXX ( no Record ) 4.XXXX Account # XXXX. I have also enclosed a letter from them saying for you all to delate this off of my credit file immediately.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX leaving me XXXX  with the XXXX XXXX of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 card or prepaid card

Yes 2020 I had gotten XXXX XX/XX/XXXX someone got my card I ordered a new XXXX end of XX/XX/2020 and the money was mostly gone my roommate did it I told bank of America they said there refund me then sent a letter eorr they keep sending me letters to open my claim but they send the same thing error so I don't know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against Experian, XXXX, XXXX, XXXX. XXXX XXXX, and XXXX because there was a collections against that was falsely opened in my name on XX/XX/2022. XXXX claims that I owe a balance of an XXXXXXXX XXXX whenever I switched carriers from XXXX to XXXX XXXX. 

I recently messaged XXXX, and they said that it is IMPOSSIBLE to switch carriers when you owe a balance on a phone, and XXXX XXXX proved that when I opened the account with them, they didn't see any balance owed AND the XXXXXXXX was in good standing. 

Also, when I traded in this XXXXXXXX XXXX to an XXXX XXXX, the XXXX was in good standing. I have a variety of evidence to prove my case. Messages between the two carriers, screenshots of the phone 's XXXX in good standing, as well as the receipt for my traded XXXXXXXX XXXX. This has messed up my credit score for a long time, and I wanted this collections account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't 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 XXXX has me at a score around XXXX. 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 tXXXX 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 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now
Product: Money transfer, virtual currency, or money service

I was scammed out of my money I paid for items I never received i tried to contact cash app several times to ask for help and I never received any help there is no number to contact support all I got was automated messages stating they could not help me get my money back and I should just take the loss as if money grows on trees this has happened to me several times over the past 2 years and also has fraudulent monies taken from my cash app acct and had to take that loss also only response I ever gotten was to lock my card and there was nothing else they could do
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information from XXXX XXXX ( inquiry ) that I am not responsible for. This is something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. states I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 b permissible purpose of consumer reports, I never gave this institution written consent to pull my credit report. 15 USC section 1681 s-2 block of information resulting from identity theft. I asked Equifax to remove this information from XXXX XXXX immediately.
Product: Debt collection

Wakefield called and I told them I don't owe anything and they need to contact my injury  lawyer XXXX XXXX.
Product: Mortgage

We received a letter from Dovenmuehle Mortgage on XXXX XXXX, XXXX regarding our prior home mortgage servicer, XXXX XXXX XXXX XXXX XXXX XXXX The letter stated that we had unclaimed property of {$1400.00} for a mortgage that we had closed out ( when we refinanced with XXXX  XXXX XXXX ). 

We were told to sign the paperwork and send it back to Dovenhuehle, which we did immediately. We never heard back so we recent a fax with all the information that has a time stamp that it was received on XX/XX/XXXX. We still have not received our refund. 

We contacted Dovenmuehle by phone on XX/XX/XXXX, spoke to XXXX who said that the check had been cut that we'd receive it latest by Friday XX/XX/XXXX. We still have not received the check so we called again today, XX/XX/XXXX, spoke to the manager XXXX who stated that the information that XXXX gave us was wrong and that the check has still not been cut. She wouldn't connect me to accounting. Best should could tell me was another XXXX days but that I have no other recourse. I'll just have to try to follow up again. 

This feels like a shady mortgage company. 

Please help. 
Thank you.
Product: Debt collection

LVNV Funding LLC. has not proven that credit one is my credit card account. 
I asked them to show proof of a contract, my name, and my social security number. 

The FCRA states by law a collection agency should send information regarding the collections. I have not received any information which proves XXXX XXXX is my account. LVNV can not prove my name, address, phone number nor Credit Card number belongs to me. 

I dispute this accounts belongs to me and had I been notified properly a police report would have been filed for FRAUD
Product: Credit reporting or other personal consumer reports

I filled a dispute on the following accounts : XXXX XXXX XXXX/ XXXX  : XXXX, According to ( 1 ) 15 USC 6802 : Obligations with respect to disclosures of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.. i.e. XXXX ( 2 ) 15 USC 1681b Permissible purposes of consumer reports -any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : B ( 2 ) in accordance WITH the WRITTEN instructions OF the consumer TO whom it relates. This addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties ** I never gave them any WRITTEN instructions to furnish anything on my consumer report so they are in direct violation of 15 USC code 1681b** Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA . ( 3 ) 18 USC 1028A - Aggravated Identity theft Whoever knowingly transfers, posses, or uses, without lawful authority, a means of identification of another person shall be sentenced imprisonment for 2 years My rights are in CLEAR violation and this is stopping me from being able to purchase a home.
Product: Credit card or prepaid card

Hello, my name is XXXX  XXXX XXXX. I am from XXXX XXXX Colorado I have a key bank account credit card. we have had several deaths in the family in the past 6 months and now I have been out of work for almost 4 weeks. I knew I was going to be late on a payment due to helping to pay for family death cost. I contacted KeyBank and asked if I could make a double payment on the next payment date. This was in XXXX and agreed to pay a double payment for XXXX which should have been {$180.00} as they stated that they would waive the late fee. They charged me {$200.00} regardless of stating they would not charge me a late fee. Last month I made my payment on time which is normally {$90.00}. They informed me that though they waived or stated that they waived the late fee for the previous month which they did not, they reapplied the late fee to the payment due which they did not tell me that until after I made the payment which made my account go negative. I have spoke with them three times now and told them when you waive a fee you can not reapply it somewhere else that's called fraud and it is against the law. They did not want to work it out even though I made my payment on time last month. I told them I would send them {$5.00} a month until this account is paid off and to close out my account as I could not do business with someone that is dishonest. When you tell someone you're going to do something nice for them to help them out due to their circumstances that's what you do, you don't reapply it somewhere else that's called being dishonest. I have had my key Bank credit card for several years and have been in good standing with them making my payments on time until last year with the deaths in the family kind of cut things short and then just after XXXX we had more deaths and now the coronavirus. I have not ever known this organization to be dishonest like this in the past but I guess that's what they are now
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/year>, I formally disputed inaccurate and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed unless properly verified per federal law : XXXX. XXXX Account # XXXX ( Collection/Charge-Off ) XXXX. XXXX XXXX Account # XXXX ( Collection/Charge-Off ) XXXX. XXXX XXXX Account # XXXX ( collection ) 4. XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge-Off ) Dispute Basis & Legal Violations 1. Violation of 15 USC 1681i ( a ) ( 1 ) 30-Day Response Requirement Under this statute, you are required to conduct a reasonable reinvestigation of disputed items within 30 days. Failure to meet this requirement mandates the immediate deletion of the disputed accounts.

2. Violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Investigation Protocols If you claim the accounts were verified, I demand documentation of the investigation process, including the method, sources, and the name of the party who verified the information. Simply stating an item was verified without proof is a violation of my rights under the FCRA.

3. Violation of 15 USC 1681i ( a ) ( 5 ) ( B ) Improper Reinsertion of Previously Deleted Items If any of these disputed accounts were previously removed but reinserted, you must provide written notice within five business days of reinsertion, per FCRA guidelines. If XXXX can not comply, the accounts must be permanently deleted. 

Request for Immediate Resolution If XXXX can not substantiate these accounts with documented, verifiable proof from the original creditor, you must promptly remove them from my credit report per FCRA 1681i ( a ) ( 5 ) ( A ).
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint regarding unauthorized and inaccurate credit inquiries appearing on my credit report, which I believe violate federal law under 15 U.S.C. 1681n and 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). 

Details of Complaint 1. Violation of 15 U.S.C. 1681b Permissible Purposes of Consumer Reports According to this statute, entities are only permitted to access my credit report with my express authorization or for specific permissible purposes, such as processing a credit application I initiated. The credit inquiry by [ Name of Creditor/Company ] on [ Date ] was unauthorized, as I never applied for credit, gave consent, or engaged in any transaction with this entity. 
2. Violation of 15 U.S.C. 1681n Civil Liability for Willful Noncompliance I believe that [ Name of Creditor/Company ] willfully violated the FCRA by obtaining my credit report without a permissible purpose or my consent. This unauthorized inquiry not only harmed my credit score but also violated my privacy rights as a consumer. 


Supporting Documentation I have attached the following for your review : A copy of my credit report with the unauthorized inquiry highlighted. 
Correspondence with [ Name of Creditor/Company ] ( if applicable ). 
Any additional evidence demonstrating the lack of authorization. 

Impact and Resolution The unauthorized inquiry has negatively impacted my credit score and financial standing. It is critical that this violation is addressed promptly to protect my rights under the FCRA. I trust the CFPB will take appropriate action to investigate and ensure the removal of this inquiry from my credit report. 

Thank you for your time and attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

XXXX fraudulent withdrawals were made from my account in XX/XX/XXXX and XX/XX/XXXX. XXXX in the amount of {$160.00}. These withdrawals caused an overdraft in my account. The withdrawals were actually for what I thought was XXXX XXXX XXXX. I was attempting to have my Federal student loans consolidated. The company turned out to be nonexistent but I did n't realize this until XX/XX/XXXX. I reported it to my bank, Bank of America and the gentleman that I spoke with researched the withdrawals and took my claim. He said the funds would be posted back into my account in a couple of days. Approximately two days later the funds and the overdraft fees were placed into my account.However, on XX/XX/XXXX {$320.00} was taken from my account. When I called to enquire as to why I was told the claim was rejected because it was not reported within 60 days of the transaction. I was not made aware of this when the claim was taken by the gentleman on the phone. Had I have known I would not have submitted the claim. Then on Wednesday XX/XX/XXXX I checked my account to see it was - {$540.00}. When I called this time I was told the overdraft fees were being taken back as well. Nothing was ever communicated to me about any of these actions. And why was the claim initially taken when the individual taking the claim was well aware of the 60 day law but never brought it to my attention. I also checked the account today XX/XX/XXXX and I see that additional fees have been added on as well. 
Please help! I believe that I was misled and ill informed during this entire process and I believe the Bank of America is trying to take advantage of me as a consumer. I was already victimized once now I feel I 'm being victimized again! 
I 'm requesting that the account be closed and the fees dismissed. They 've already taken XXXX of my paychecks that were deposited into the account. Leaving me with no way of paying my bills or caring for myself and my daughter.
Product: Credit reporting or other personal consumer reports

i have sent several dispute letters similar to the below text, I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I believe the reported balance and charge-off status for this account are incorrect. Additionally, the payment history and delinquency dates do not align with my records. 
I request that XXXX conduct a reinvestigation of all accounts, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and provide me with the results of the investigation within 30 days. If the information can not be verified, I request that it be promptly removed or corrected, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ).

Please note that under 15 U.S.C. 1681i ( a ) ( 6 ), I am entitled to receive written notice of the results of your reinvestigation, including a revised credit report if changes are made. 

Thank you for your assistance. 
Sincerely, i have received no information or response from XXXX. i recently downloaded another copy of my report # XXXX. No corrections or deletions have been made. I also have suffer identity theft recently and have reported to the appropriate departments.