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

I was in a process of buying a coop apartment. 
Here is my experience. 

XX/XX/XXXX I signed closing disclosure. Right after signing the closing disclosure I received an email from XXXX XXXX XXXX, XXXX asking me to wire the money ( cash to close ) to the title company. The emails were fraudulent. Emails were never sent by the mortgage company. 

XX/XX/XXXX I wired {$33.00}, XXXX ( cash to close ) based on the fraudulent emails from my XXXX XXXX account to the Title company account in Wells Fargo. Apparently it turned out to be a private account and not the title company account. 

XX/XX/XXXX I received a call from my transaction attorney asking me to go to XXXX XXXX and reverse the wire because money went to the private account. I was also provided with the phone number of Wells Fargo Fraud Department and the case number.

I called Wells Fargo Fraud Department from my XXXX local branch. 
I was explained that they noticed something was off and opened up a fraud case however didnt not stop the wire. The lady also mentioned there had been another fraud on the same account prior to me wiring the money. This is why they suspected something was fishy. 
Wells Fargo requested an indemnity letter from the XXXX XXXX to be able to reverse the wire. 

XX/XX/XXXX I filed a police report. 


After multiple conversations with the XXXX wire department my case was referred to XXXX XXXXraud Department. 


XX/XX/XXXX My case was approved by the legal Department of the XXXX XXXX and indemnity letter requesting to reverse the wire based on the fraud was sent to the Wells Fargo. 


XX/XX/XXXX Wells Fargo wired {$16.00}, XXXX back on my XXXX account. 
I received the response from Wells Fargo over the phone that the rest of the money ( {$17.00}, XXXX ) left the account and they were not liable for the loss. 


Since that time Ive had multiple conversations with different people from Wells Fargo Fraud Department including Vice President XXXX XXXX who explained to me that Wells Fargo were not able to do anything else and not liable for the loss. An official letter was written and sent to me. 


Id greatly appreciate if you could help me understand if anything else could be done to recover my money. I also feel very strongly that no person should go through such horrible experience. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602A States that 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 without my written instructions.

15 U. S. C 1666B A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any reason.
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. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FOR EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  15 USC 1681 Section 602 A- States I have the right to privacy .

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a response from all three credit bureaus XXXX, XXXX and XXXX saying my information was verified. Under law it cant be verified if I never have permission to report. 

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681B 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681B 4
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX  I used XXXX XXXX to transfer {$10000.00} from my Bank account to another Bank account. I received an email on XX/XX/XXXX, saying my account was cancelled. On XXXX XXXX, I received an email saying my account was good to go. They withdrew {$10000.00} from my XXXX on XXXX XXXX. They said the transfer will happen on XXXX XXXX. On XXXX XXXX, I checked to see if my transfer went through ... it did not. I tried to sign into my XXXX account via computer but can no longer sign in. I contacted them by chat but they can't give me a reason why I can not sign in. They can't give me a reason why they didn't transfer. I've chatted a few times and they are not helpful, cut off the chat early. On the last chat they said my money will return to my Bank account on XXXX XXXX. It's XX/XX/XXXX and my money is still not returned. I believe I have been scammed out of {$10000.00}! I have a receipt from them ( Contract # XXXX ) that shows they withdrew {$10000.00} from my account. I have their email saying this contract was cancelled. I have their texts showing their inability to answer questions plus their promise that my money will be returned on XXXX XXXX. It was not returned. 
Bottom line : They have my {$10000.00} and will not return it. They keep giving me a run-around, false promises and ( or ) of no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for my mortgage refinance and they noticed that there is a credit freeze on my credit report with Experian. I have been trying to reach Experian for 8 days now. Everytime I try to call them, the phone calls disconnect and do not connect to a live person. There is an option to unfreeze credit report online, but it fails saying that my information does not match and/or my pin is not valid. I tried generating pin. The standard form that prompts us asks us only for SSN, Date of Birth and Address. It comes back that my information is not correct and that I need to send a letter in mail with a state issued ID/DL, Utilitiy Bill/Bank Statement etc., I tried unfreezing without a pin and still fails validation. For a large credit reporting beareau, I am extremely disappointed that there is no one to help. I mailed two letters. One regualr and one via priority mail. I have delivery confirmation that they recieved letter on Tuesday XX/XX/21 in the afternoon. There is absolutely no response from Experian till now. I am not able to refinance my loan. I was able to access my credit report from the website but lending organizations are not able to. Please Please Please Please Please help me. 

My USPS tracking # XXXX
Product: Credit card

I applied for a credit card that a zero interest balance transfer. I never received the card, or any paperwork stating the card was active or approved. I received a bill in the mail in XX/XX/XXXX, I paid it because I pay every bill I receive. I since had a the account closed because I never received the cards, CITI opened up a new account and sent me a bill. The one they sent me in XX/XX/XXXX was due on a holiday. I sent them the payment electronically before the holiday, but it was processed the day after, hence generating a late fee. They would not waive it because the previous account had a late fee, and that late fee was generated because i never received the bill nor the cards. They said the late fee can not be waived due to a holiday, and I should have paid before the holiday which I did.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX Subject : Dispute of Civil Liability for Negligence and Inaccurate Reporting on Credit Report Dear Sir/Madam, I am writing to formally dispute an entry on my credit report related to the civil liability under section 1681O, specifically concerning negligence in reporting accurate information and its negative impact on my credit history. The information reported contains inaccuracies regarding late payments, inquiries, and the resulting credit score, which is significantly damaging to my financial standing. 

The erroneous reporting of these items has caused my credit score to be negatively affected, making it challenging to secure favorable terms on loans, credit cards, and other financial opportunities. I believe this inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must maintain accurate and complete information in consumer reports. 

Specifically, I dispute the following inaccuracies : 1. **Late Payments : ** The record of late payments reported is incorrect. [ Provide details of the specific accounts and dates where the late payment is noted but was either not late or should not be reported. ] 2. **Inquiries : ** There are several unauthorized or outdated credit inquiries on my report. These inquiries were either not initiated by me or are beyond the permissible time frame for reporting. 

3. **Credit Score Inaccuracies : ** The reported credit score is not reflective of my actual credit standing. The discrepancies in reporting late payments and inquiries have directly caused an inflated negative impact on my credit score. 

I request that these errors be thoroughly investigated and corrected as soon as possible. Please provide me with written confirmation of the results of your investigation and a revised copy of my credit report once the necessary amendments have been made. 

In accordance with Section 1681i of the Fair Credit Reporting Act, I expect that you will complete your investigation of this dispute within 30 days. If the inaccuracies are not corrected, I will consider pursuing legal action under section 1681O for civil liability related to the failure to report accurate information. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureau on XX/XX/2022 and XX/XX/2022 and have not received any response via mail or any other communication regarding the accounts that I have requested verification and validation of the debit. According to the FCRA credit bureaus are required to validate each debt they report with in 30days and reflect on a consumer 's report to ensure the validity of that debt with an original signed contract for validity of the debt. No action has been taken because I have repeatedly sent letters and have not received any response in a timely manner nor do I have an original signed contract stating regarding this matter.
Product: Credit card or prepaid card

I made payments to my american express card that Amex sent back because the payment could not be processed and charged me a {$35.00} fee. This happened three times over the course of 2 months. I had enough on my bank balance to cover the payment to Amex so I spent countless hours with Amex and my bank and finally both of them together in order for them to reverse the fee charges. So it seems that they had returned my payment with a reason and charged me a fee for doing so.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX  XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX OF XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX disputes were mailed to to TransUnion for investigation of those accounts. TransUnion failed to respond. As a matter of fact TransUnion has committed several violations as it pertains to my credit profile. According to 15 U.S. Code 1681i ( A ) ( 1.A ) which is federal law the accounts that were disputed were supposed to be removed from my credit while a full and complete investigation took place. TransUnion did not remove or notate these accounts were even in dispute, much less remove them while an investigation took place. As per my understanding, the law is the law and these are my federally protected rights as a consumer. In my eyes and understanding TransUnion was willfully neglectful with the handling of my credit file. Also since were cognizant of the laws lets go a step further and note that 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 under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, No consent is identity theft. A copy of law is attached along with the dispute letter sent. 

Concerning the accounts listed below as a consumer Im demanding a deletion of these accounts. 

Acceptance Now Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX/XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX. Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX As a consumer Im enforcing my rights and demanding immediate deletion of the above listed accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

A Fair Credit Reporting Act ( FCRA ) violation occurs when a consumer reporting agency ( CRA ) fails to comply with federal regulations governing the collection, distribution, and use of consumer credit information. The law mandates that CRAs implement reasonable procedures to ensure the complete accuracy of the information in credit reports. 

If a consumer incurs damages due to an FCRA violation, they have the right to file a lawsuit against the CRA and seek compensation for actual damages, statutory damages, and attorneys fees. The accounts listed in my letter contain inaccurate information, and I demand a thorough investigation into these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX show inquiry on XXXX XX/XX/2023 that I didnt authorize anyone to pull it
Product: Credit reporting or other personal consumer reports

I have asked for this issue to be fixed with the bureaus as this is the only creditor that is reporting this as a late payment. Fix this on my credit report all Im asking is could you fix this issue as I have asked them multiple time to update this record they still havent I know my laws and I ask that it be corrected as paid as agreed. I would appreciate it if this matter were handled in a very well timely manner. Which would be Im giving you guys 15 days from the date of this letter to reply and get this handled or else I will demand legal actions. Ill like you to send a Universal Data Form and fax it to the credit bureaus to remove those entries.
Product: Credit reporting or other personal consumer reports

TransUnion is in violation of the Fair Credit Reporting Act, because of reporting incorrect Personal Information, and inquiries that don't belong to me. I'm unable to log in to my TransUnion credit account to view my credit report and disputes. I need to have online access to my TransUnion credit report and get updates on my disputes pertaining to my personal information such as reporting one name, one address, one phone number, and one job. Anything else is INACCURATE and needs to be deleted from my file. I provided a police report because my personal identification was compromised through the Dark web per XXXX XXXX monitoring credit company. Please see the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : After reviewing my credit report, I realized that my score was lower than from which I previously checked it. I was a victim of identity theft years ago so I have had a freeze on my credit report for a long time now to which I have been trying to remove for a while on Equifax. 

The account to which I had no knowledge of was : XXXX Account # XXXX for {$2600.00}. 
I had no knowledge of this account and never presented any physical identification for this account to be open. 

The account violating my consumer rights with inaccurate reporting : XXXX XXXX XXXX XXXXXXXX According to 15 U.S. Code 1681 ( XXXX Account # XXXX ), and ( XXXX XXXX XXXX XXXXXXXX ) : 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. 

Also to this ( XXXX Account # XXXX ), each CRA is reporting a different report for this fraudulent account which is also a violation of my consumer rights. Sections such as when this account was closed, the account comments, date last active, and the payment history ( XXXX XXXX XXXX XXXXXXXX ) are all reporting inaccurate information of an account I had no knowledge of which is improper use of my credit report. Which again violates my consumer rights. 

And this information is inaccurate. 

According to 15 U.S. Code 1681b subsection 2, I never gave any written permission for this account to be in my possession nor upon my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing charge off accounts on my consumer report that were previously all removed in XXXX or XXXX on XXXX all accounts were removed then added back without explanation I was never notified within 5 days that those accounts were being rescinded back on to my consumer report. once they are deleted they should have never been reinstated back on my consumer report. I am only finding out why those accounts were added back on my report as of Monday XX/XX/XXXX of 2022 because I disputed those accounts again and was just told why it got added back previously as per XXXX  reps.i was told they will not be doing a reinvestigation into this dispute. XXXX told me the credit granters have subsequently certified theses accounts accurate I have requested the methods and documents one verification in which I still have not received any. these accounts need to be removed again immediately as they should have never been reinstated in the first place once removed. I submitted identity theft claims for them to block the information because my information was compromised. 


Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX, EQUIFAX, XXXX have aided this fraud by not properly verifying these accounts. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. again these accounts need to be REMOVED permanently immediately.
Product: Debt collection

XX/XX/17 went to XXXX General Hospital E.R. very ill. Presented primary and secondary insurance. Every department was paid, no co pay except apparently triage.