23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request that NCB Management Services cease all communication with me regarding the alleged debt referenced in your recent correspondence. Under 15 USC 1692c of the Fair Debt Collection Practices Act, I have the right to request that you stop contacting me. Please consider this letter a formal notice that you are to refrain from any further communication with me. Failure to comply with this request will be reported to the appropriate regulatory agencies.
Product: Payday loan, title loan, personal loan, or advance loan

Believe this is Illegal loan in XXXX of XXXX Lender is not listed in XXXX XXXX Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requested to stop further ACH payments from my account.
Product: Debt collection

Hello, I noticed the " Portfolio Recovery '' account ( original creditor was XXXX XXXX  XXXX XXXX was still in collections a few weeks ago. I had paid this debt back in XX/XX/19. 

I have a link to display the debt that was paid, but it states to not include any personal information on here. I have a case number that shows all the information of the collected debt, I disputed this debt through XXXX XXXX  a few weeks ago and the result came back with " Account information disputed by consumer, meets FCRA requirements. ''
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Certain listed accounts exhibit inaccuracies in their reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor 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. 

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Product: Debt or credit management

On XX/XX/XXXX at XXXX CT I received a call from a personnel employed at IQ Data International Inc regarding an attempt to collect a debt from my former leaser office/management company. The agent was not helpful at all in explaining to me what the charges were for. Furthermore, he asked his manager, XXXX XXXX, to forward me an itemized statements for the charges incurred. I received the email from XXXX XXXX, an Operations Manager at IQ Data International , Inc. at XXXX where he sent me a document containing not only my social security number, but he also shared another person 's social security number as well. This has me concerned that my personal information is being shared without my knowledge or consent. Furthermore, he kept on insisting that I refused to resolve the debt, which I never stated, and informed him that I am simply trying to inquire as to why there were charges on there that didn't make sense, especially since I reached out the the leasing office earlier that day.
Product: Money transfer, virtual currency, or money service

I sent an international wire transfer of over {$1000.00} via transferwise and they claim to have sent the funds successfully but the recipient ( XXXX XXXX  XXXX ) claims they have not received the funds. Transfewise is requesting for recipient 's bank statement to investigate further but recipient says they are not authorized to release their banking statement. Right now, my money is gone and i don't know what else to do
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDUCATION/NELN is stating I was late as of XXXX and XX/XX/XXXX ; however, you look at the account it show this account was NEVER LATE AT ALL! Please the the prior months of XXXX which is displayed in the pictures that are attached. If I was NEVER LATE in all of XXXX, how can I be 90-120 late in XXXX and XX/XX/XXXX. 

PLEASE CORRECT PAYMENT HISTORY AND THIS IS VIOLATION OF FAIR CREIDT ACT 611. THIS INFORMATION IS NO ACCURRENT. 

The credit agencies will be held responsible and liable for damages.
Product: Checking or savings account

{$14000.00} pending paid still not available with no explanation from Bank of America please help me get my money ASAP
Product: Checking or savings account

On XX/XX/2024, I submitted dispute # XXXX with USAA Bank because an employee working at a hotel where I stayed frequently used my debit card to make purchases and ATM withdrawals without my knowledge or consent, she was receiving help from a person who my girlfriend at the time. The transactions totaled over {$14000.00}. USAA provided a temporary credit, and then they " investigated '' I even gave them the name of the responsible party, and also let them know that the hotel management was aware, that I was not the only victim, and that she had fled the country ( to this day XXXX is looking for her ) after I provided all this information I was fairly certain that USAA would resolve the dispute in my favor, but what they said was that after a " thorough investigation, '' they determined the transactions were not fraudulent and that they based that decision on " information they had available at time of review ''. At no time did they reach out to the merchants or the banks, as they are required to do, and at no time did they send ANY information to me which would justify their findings. They then debited the provisional credit they had provided me, they also STOLE over {$1200.00} from my XXXX account, because I had wire transferred that money while I was waiting for USAA to replace my compromised debit card, and then they closed my checking account, and now they refuse to re-open an account for me.
Product: Checking or savings account

My mother passed away XXXX ... Left me and my siblings an IRA account, that was being held by First Citizens Bank, to be divided. Was originally contacted by a rep from the bank last week of XXXX to begin the process of roll over. I told the rep that I was not interested in opening an account, and that I want to roll it over to XXXX XXXX, who is currently handling my money. I have never received a phone call from them since. I was sent a form to have filled out and I was to get a medallion signature for it. The form was a XXXX XXXX form that First Citizens needed to complete the transfer. The form stated to send it to a XXXX XXXX XXXX in XXXX XXXX, MO. It turns out that the form needed to be sent to First Citizen Bank in XXXX XXXX XXXX, which is where the IRA is being held. I got nothing but cryptic emails asking for a TRKING NO. when I asked XXXX trking no? I got " that tracking number from the number I asked for you last week ''. I have received no instructions on how to submit forms, bad addresses, no verbal Communications to ask timely questions. They finally received the newly made form via fax and XXXX, which XXXX XXXX filled out for me. I have received no indication, from them, that they received it, and my calls and emails, from me as well as XXXX XXXX, have gone unanswered for 8 days now. I have filed XXXX complaints with First Citizens Bank, with XXXX follow up from them as well. I have left at least half a dozen messages. Not one has been returned. No calls were returned for the medallion signer, who wanted to verify why I needed a medallion signature.
Product: Credit reporting or other personal consumer reports

Apparently the company has gone out of business. For months I tried to reach them to find out who was servicing my account no one could answer. They promised to contact me by email after they research NOTHING. My credit report is still reflecting a delinquency..but no one to contact. Ridiculous. As a consumer, its not fair to me when I attempt to make good on payments and they wont accept them. I was told they couldnt accept payments but didnt know who I should make payments to. I researched on my own, found a creditor that I thought had my account. They said they do not know why the said merchant keeps sending people to them as they do not have the accounts and can not accept payments. Foolishness.
Product: Checking or savings account

So couple days ago I filed a dispute for unauthorized and was sent a replacement card and everything then a couple days go by I get an email saying that my account was being closed and that the bank institution which is wells fargo were ending there relationship with me not telling me why. So now They basically blocked my account while there is a dispute on my account that is investigating, I received my provisional credit from the dispute but I cant even transfer the funds or use my XXXX  cant to take the funds out of my account. Today I called them and they finally told me why they ended their relationship with me saying that my account wasnt secure enough because of me filing dispute for unauthorized which doesnt make since because there basically saying that it dont matter if your card gets hacked and file a dispute I guess its a problem now
Product: Money transfer, virtual currency, or money service

I submitted requested to transfer XXXX from my own B9 account to my own XXXX XXXX account, B9 declined transaction. I tried XXXX, B9 declined. XXXX, B9 declined. When I looked at my B9 account there was a pending transaction for XXXX. I told B9 no transactiom for XXXX was requested XXXX XXXX has no tramsaction for that amount as I did not submit one. B9 insisted XXXX XXXX needed to submit a settlement to clear the transaction. I called XXXX XXXX and was told they can not submit a settlement for a transaction that they have no record of. I called B9 back and was told this is an automatic system hold and it will clear on the XXXX. I asked for a supervisor and asked what reason they were holding my money. The funds are going from me to me and they said there is nothing they can do. I did not request or authorize a transaction for XXXX. B9 initiated the transaction for XXXX plus their external wallet fees of XXXX on their own. I have XXXX months plus of bank statements that show B9 transferring my funds as requested XXXX and a separate transaction for external wallet fees XXXX. How can B9 hold my funds for no reason? How can B9 generate a transaction for an amount I did not authorize? I understand they can charge a fee but that is a separate transaction. This makes me wonder how many transactions have they changed my amount or charged without my permission. They are holding my funds and I can not feed my child. I am a single mother with a XXXX child who works XXXX XXXX. My direct deposit just hit and this was all of my money going from myself to myself what other permission is needed. I was told no management person has a direct line and I could not speak to anyone else. I was told there was nothing that could be done my funds were on hold until the XXXX. Nobody knew their fee of XXXX but B9. B9 WAS THE ONLY ONE THAT COULD GENERATE THE TRANSACTION FOR MY REQUEST PLUS THEIR FEES. AGAIN I CAN NOT FEED MY CHILD BECAUSE THEY CHANGED MY AMOUNT AND THEY ARE HOLDING WITHOUT MY PERMISSION FOR NO REASON. HOW CAN YOU JUST TAKE SOMEONES MONEY? ALL OF THEIR MONEY?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are showing on one or more of my credit reports and need to be removed due to fraud. I already have the fraud alert on my file, I just want them removed. Please make that happen. I have attached a police report listing all derogatory files and my proof of identity. 

Someone obtained m y social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Both accounts ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX for {$120.00} XXXX XXXX for {$730.00} Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.
Product: Credit reporting

I had a bankruptcy judgment in 2014 and only XXXX is reporting it. I need equifax and XXXX to report bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Went into Car Dealership They Told Me They Would Only run my Credit Once, I obtained A Copy Of MY Credit report and it was ran several times without my written instructions. Heres a List Of The Hard Inquires XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer Service
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX Paypal put limitations on my account, citing inconsistent account activity. On the same day, I called Paypal customer service countless times. During those phone calls, no one could tell me why limitations were being placed on my account but during the last call of the day, I was guaranteed with 100 % certainty that I would receive the money in my bank account by the end of the day. I woke up Saturday and still could not access my account. So I called customer service again and asked to speak with every supervisor possible. Each supervisor guaranteed that I would receive my money as well, by the end of the day, and with 100 % certainty. It is Tuesday XX/XX/XXXX,  and I still do not have access to my money. Further, I received an email stating that my account was being closed and that they are now going to hold my money for 180 days. I have not misused my paypal account and gave them no reason to place this hold on my account. One of the supervisors even told me that my account looked to be in perfect shape.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked TransUnion LLC to investigate seven unverified accounts. After waiting within the 30 days for a response they simply stated on my credit reports that the consumer has disputed and then state that the account was verified. I received no such documentation proving TransUnion investigated this issue as requested. I received no signed documentation whatsoever or any proof of any investigation taken in regards to any of the seven accounts i have disputed.
Product: Credit reporting or other personal consumer reports

I have filed a report with the FTC. Please injury the following inquiries from my report as they obtained my information and run my credit fraudulently. 
XXXX XXXX XXXX XXXX XXXX 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 Please REMOVE all erroneous inquiries from my report. Thanks!
Product: Credit card or prepaid card

I initiated a "credit line increase request"  with Citi/CBNA yesterday XX/XX/XXXX. The disclaimer on their website states:"By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will notify you of our decision or let you know if we need more information."This does not indicate that it will be a HARD credit pull, which I was alerted to today XX/XX/XXXX. Citi offers card holders their XXXX score for free, so why do they need a hard credit pull for a credit line increase?  I would like the pull reversed please.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CEDIT REPORTING ACT, THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC UNDER 15 USC 1681. 

XXXX XXXX XXXX : ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AFENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHR ADVERE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT SEVEN YEARS.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF GTHE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 

ATTACHED ARE CURRENT REPORTS FROM ALL THREE BUREAUS SHOWING DATE OF LAST ACTIVITY RECORDED INACCURATELY. THE 30/60/90 LATE PAYMENT RECORDS ARE DIFFERENT AND INACCURATE. XXXX SHOWS CURRENT PAYMENT STATUS AS 60 DAYS. EQUIFAX REPORTS IT AS 30 DAYS. XXXX REPORTS THIS SAME STATUS AS AGREED. EACH OF THE THREE REPORT PAYMENT HISTORY OF SAME ACCOUNT DIFFERENTLY. XXXX 75 %, EQUIFAX 100 %, AND XXXX 80 %. AGAIN, FOR THE SAME ACCOUNT. 

I am writing to urgently dispute inaccuracies on my credit reports with XXXX, Equifax, and XXXX. These inaccuracies are critically damaging my finances and severely affecting my ability to purchase a new home for my family. 

The inaccurate information is causing significant harm to my credit score and, consequently, my financial stability. I request that all three credit bureaus promptly investigate and correct these inaccuracies to reflect my true credit history. 

Your immediate attention to this matter is greatly appreciated.
Product: Credit card or prepaid card

Wells Fargo 's reward program for the XXXX XXXX XXXX states a customer will receive a {$200.00} cash rewards bonus if you spend {$1000.00} ( net purchases ) in first 3 months. 

Specifically, ( footnote 1 ) The bonus cash rewards will show as redeemable within 1-2 billing periods after they are earned. 

https : //www.wellsfargo.comXXXX I made a qualifying purchase on XX/XX/XXXX, and three billing cycles have elapsed ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) and I have not received the bonus. Wells Fargo is not honoring its contract. 

Wells Fargo should immediately issue me the {$200.00} bonus.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX ( XXXX XXXX ), has violated my rights. They have been sued by attorney general. They are closing all stores. On the company website they will request all three credit bureaus to remove negative payments and put on accounts paid in full. Since XXXXXXXX XXXX is scamming people I would like this removed before they request it to be removed this is affecting my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried getting help in regards to this account that i didnt open up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and XXXX of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required XXXX timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX and Transunion reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00} CREDITOR : XXXX  XXXX, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items for my report. 

XXXX XXXX  XXXX XXXX {$800.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$280.00} XXXXXXXX XXXX  XXXX {$220.00}
Product: Debt collection

I have received a notice from a collection agency that I owe {$800.00} for delinquent payment to XXXX XXXX XXXX. I called the number to talk to someone and told the person I never had an account in my name ever in my life. He asked if I had ever lived at another address and I told him I had lived at this address for the past 20 years. He gave me instruction to send proof that I lived at this address for years and I will go to the post office and I hope that will help. I also called XXXX XXXX and explained the situation and was told that they would enter the case as fraudulent