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

I sold some stocks from my UBS account ( XXXX ), my name is XXXX XXXX XXXX. I live in XXXX. UBS was supposed to wire the money from the stocks I sold to my account in XXXX. But it never happened. I have called them, raised a ticket, called them again, etc.. For the last 3 months, but my money has disappeared. They say it has been transfered, but I have not received the money. They will not share a document to show they did the transaction also. Looks like they use some intermediary, and the money is lost somewhere in between the UBS and XXXX ( my bank in XXXX ). The amount is : USD XXXX or in XXXX Pesos : XXXX XXXX Here are the details of the destination account : Bank Swift code : XXXX Bank code : XXXX Currency : XXXX Peso ( from USD ) My account/XXXX  Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX My address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone : XXXX
Product: Mortgage

Due to financial difficulties and health problems, I was not able to make payment since XX/XX/XXXX. 
The monthly payment was XXXX XXXX XXXX principal and XXXX interest ) No escrow. 

My balance was XXXX on XX/XX/XXXX. 
I sold the house XX/XX/XXXX. ( 16 months later ) and it took them one week to come up with pay off amount. Finally the said it is XXXX That was XXXX interest, penalties and fees over 16 months. 
In other words, they charged me XXXX MONTH and I find this amount outrageous. 

Looking at the pay off letter, I notice they charged XXXX ESCROW. 

I have been calling them and they do not talk to me because I have a lawyer. 
When my lawyer called, they needed a letter from me authorizing my lawyer to talk to them. 
In the meantime, no money exchange is happening. I do not think the employees understand what they are doing because this can go on for years with their bureaucracy. 

I think this amount for escrow was plugged in by mistake and if we take that amount ( XXXX ) the pay off will make sense.. 

The escrow for XXXX was already accounted for in the closing paper.
Product: Checking or savings account

On XX/XX/2022, my checking Account at FifthThird Bank was 'hacked '. XXXX withdrawals were made thru a secondary bank partner 'XXXX  XXXX. The payments were for {$490.00} and {$300.00}. I was not informed of these withdrawals inadvance. I immediately had my computer cleared of any malware at XXXX XXXX XXXX XXXX. I told Bank Fraud Dept. that day and they started a case. ( # XXXX ). On XXXX XXXX, they closed case. I told them i cleared my computer of any malware and thjey said to send them 'proof ' and they would reopen case which the did. Last week they sent a notice saying They could.t do anything to help retreive the stolen ' money. I have been a customer with 5th3rd Bank for over 10 years, my wife and i are in our late XXXX 's and on limited income. We need help.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items # XXXXXXXX XXXX XXXX  ORIGINAL CREDITOR XXXX XXXX XXXX XXXX ACCOUNT NUMBER # - XXXX XXXX XXXXXXXX XXXX XXXXXXXX ORIGINAL CREDITOR XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX ACCOUNT NUMBER # XXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation or deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report.

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Money transfer, virtual currency, or money service

I had been using cash app for a while..there was money being taken out I tried to call and they wont pick up they would tell me to connect to customer service support but every time I would they would tell me its nothing they can do
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 
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 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, credit repair services, or other personal consumer reports

This collection was disputed and removed then placed back on my account. This collection was removed because i did not owe XXXX this debt and they couldn't provide the information to placed this alleged debt on me. This collection must be removed from my credit report immediately for it is in violation. I also provided the letter saying that they will removed the collection.
Product: Vehicle loan or lease

I got a first time Auto Loan through XXXX XXXX, and I paid my loan on time. Then they transffered my loan to Westlake Financial and both are still on my credit as a whole loan. The interest rate is  too high. And the car is only a XXXX with 85,000 miles on it. I struggle to pay my car payment every month, and I just realized recently how much interest is owed on the car. The car is overpriced, and the company
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 uscs 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Equifax a dispute on XX/XX/2021 for reporting inaccurate information. I was not been notified of investigation status or results.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX utilities has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled a XXXX  credit card in XX/XX/2021. The membership fee was waived and credited to the account the same month. The credit card company, XXXX XXXX XXXX, continues to report the account as delinquent. I have spoken to XXXX managers several time over the past 3 months to no avail. I have called both reporting agencies ( Transunion and XXXX  ) and they confirm that XXXX  is still reporting the account as delinquent.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed I had fraudulents accounts in my report.Please remove these account of my report thet are hirting my ability to obtaing credit. XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : EXPERIAN LEGAL DEPARTMENT RE : XXXX On XX/XX/2022, I wrote to you and requested information about an account you are reporting on my credit report but you never responded. I then sent another letter to you on XX/XX/2022 and XX/XX/2022 advising that if you failed to respond and/or comply with the law, then you would be subject to fines and damages, per the FCRA. You still failed to comply. Please note, for the record, that this is my final attempt to reach a resolution directly through your company to resolve this issue. I am no longer merely requesting verification of this alleged debt. At this point, I am formally demanding that within the next 7 days, you remove this unverifiable account from any and all credit bureau reports in which you are reporting to and that you send me notification of your intent to do so. Should I not hear from you, again, within the next 7 days, and you are still reporting this account at that time, then the next communication you receive from me will include copies of formal complaints made to the XXXX XXXX XXXX the State Attorney General, and the Federal Trade Commission not to mention my legal counsel and the local media that I plan to reach out to in order to expose your unlawful business practices. I would much rather resolve this issue both swiftly and amicably without the involvement of anyone else. Therefore, your response by XX/XX/2022 would be greatly appreciated! 

I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you never responded, but updated on website that " This item was updated from our processing of your dispute in XXXX 2022 '' and that my last complaint was a duplicate. My last complaint was a notice of estoplle by your silent Under the laws of the FDCPA, I have contacted the collection agency XXXX XXXX myself, and they have failed to verify that this is indeed my debt. 
I enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified signature request. I was given no evidence of my obligation to pay this debt to this collection agency. 
The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. 
According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. I look forward to a XXXX  and XXXX XXXX  to this matter. Thank you for your time.
Product: Bank account or service

I had a Comerica checking account from XXXX XXXX, 2016 to XXXX of 2016. The branch manager is XXXX XXXX. Her phone is XXXX. Branch is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I need access to check images from this account for tax purposes. Comerica is trying to charge me {$5.00} per check image. There are a total of XXXX check images, which could come to {$1500.00} to access electronic documents. I 'm fine with electronic banking, which saves paper and postage, but I should be able to access my own information for some reasonable fee. Comerica 's business model seems to be based on predatory fees. ( For instance, overdrafts are assessed XXXX fees -- XXXX for {$36.00} and another for {$25.00}, making a total of {$61.00} per overdraft. They also start with the smallest overdraft rather than the largest to maximize their take. ) I 'm perfectly willing to pay some kind of reasonable fee to gain access to my account info, but {$1500.00} is ridiculous. The branch manager is much more interested in squeezing more money out of customers so she can look good on her quarterly statements than working with me to find a reasonable solution to this problem.
Product: Credit reporting or other personal consumer reports

On Friday XX/XX/2024 around XXXX the company refused to say given name. I entered the Experian.com web domain and entered social security number into credit website for the site to return with nothing and prompt I to enter my name manually which would void my social security number I entered with given name from XXXX authorities. The XXXX chose not to say name, withheld data, and attempted to give me another name with shortened initials.I was denied finance from website and contact with an authority to use given XXXX credit from given initials XXXX I am a US citizen and you don't have information on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax numerous of letters asking them to remove the wrong birthdate on my credit report. I also have gave them more then 30 days to remove the wrong birthdate and have not gotten a response from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and because of that theres been car leases/ loans, internet/ cable, a lot of negative inquiries and multiple collection thats accumulated, which none are mine.
Product: Bank account or service

Comerica Bank at XXXX XXXX, XXXX XXXX Michigan took our XXXX XXXX Card. My husband went into facility to retrieve and was told they shred cards other than theirs. He went back outside waited for the next person and retrieved our receipt in which they charged a fee. He then called me his wife. I called the branch to get them to send back and was told it was their policy to shred other bank cards. I am very upset about this policy as the inconvenience of having to redo on line accounts is time consuming and costly. Please look into and get a written apology from this ruthless instution. I feel for people who depend on their Bank Card or who are travelling. This Bank should be fined. Our Bank told us this is not the first time their cards were confiscated STOLEN by Comerica.
Product: Credit card

Over the weekend, I received a text stating the following : AMEX ACCT STATUS - Free Msg : XXXX, did you get our email? Explore payment plans in your inbox or at XXXX Text STOP to unsubscribe. 

I texted STOP and this is what I received : m Amex Free Credit Msg : You will no longer receive Account Alerts text messages. You may still receive free Fraud alerts. Please call XXXX for Help I tried texting the New Owner of phone number no XXXX here -- no response. 

I have had this phone number for over 2 years and can not understand how American Express can send out with the account holders name, and indication that their account payment status is Late!

Isn't this an invasion of privacy, especially for a phone number that has not been verified in over 2 years! Furthermore, calling that number, American Express confirmed that the account was delinquent, yet stated that the number may be outdated. 

My concern, had that been my account, why are they giving the NAME and ACCOUNT STATUS VIA TEXT WITHOUT CONFIRMATION ON A PHONE NUMBER ( Confirmation within 6 mos. ).

Furthermore, there is no option to state, other than calling, wasting my time, money, etc. to opt completely out, as there is the threat of still receiving fraud alerts. 

I asked for ID 's of agents and was refused, I was hung up by agents saying I am not an account holder, I asked for confirmation ( in writing ) that I would not be bothered by this company with fraud alerts and was refused. 

The company thinks it's GOD and has a GOD-LIKE complex they should be fined and policies changed to get to upper management!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the inquiry from Weimark. I do not have a mortgage loan with this company. I contacted the company to have this removed but they have not complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX/XXXX  appears on my reports and I have requested these fraudulent accounts be removed from my reports as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX/XXXX  - balance is showing as {$1700.00}, account partially listed and a limit of  {$4000.00} ; no account number listed ; no dates not listed,
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this letter to delete and correct some personal information that is damaging my credit report and is NOT permissible by law, because it is not my information, and it SHOULD NOT be on my credit report. My current and only XXXX is XXXX XXXX XXXX, MI XXXX. My current and only telephone number is XXXX. I ask you this one and final time Please remove all of these incorrect and erroneous items that does not belong on my credit report, and that is not aforementioned above.
Product: Credit reporting or other personal consumer reports

I'm a victim of XXXX XXXX. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would 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  Inquiries included in dispute : XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were opened or reported without my knowledge or consent, likely due to identity theft stemming from a data breach. As such, I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items removed immediately. 
Accounts to Block and Delete 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 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$200.00} ), XXXX ( Opened Sep. XXXX, XXXX, Balance {$500.00} ), XXXX XXXX XXXX XXXX ( Opened Sep. XXXX, XXXX, Balance {$280.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, Balance {$990.00} ), XXXX XXXX XXXXXXXX ( Opened XXXX XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX  XXXX Opened XXXX XXXX, XXXX, Credit limit {$1300.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to VALLEY EMPIRE COLL CO agency because I am having difficulties with applying for new credit cards. I paid the collection and do not owe anything, but the mark in my reports prevents me from achieving the desired results. 
I am kindly requesting VALLEY EMPIRE COLL CO agency to remove this collection from my credit reports as a gesture of goodwill.
Product: Debt collection

As of XX/XX/2023 Ive notice this fraudulent account SYNCHRONY BANK XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below 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 XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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: Debt collection

World Finance 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: Money transfer, virtual currency, or money service

Square merchant services XX/XX/2020 $ XXXX- They closed my merchant account for no reason. This is the 3rd time this happened with them. My transactions are legitimate. My customer even called her credit card company to be sure I would be paid. Square requested more verification from me, and I provided everything. They still closed my account and holding my funds with no customer service to speak with. This is the BIGGEST scam company on the world!!! I really think they saw my ID and saw Im a XXXX man with dreadlocks and keep closing my account without reason. They dont provide not one reason at all!!!