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

My name is XXXX XXXX and Equifax has been allowing XXXXXXXX XXXX XXXX XXXXXXXX to provide erroneous false information that is ruining my credit score. I have submitted multiple identity theft report to Equifax. Equifax has not updated or investigated the inquiry I posed in any of the reports I have submitted to them. Lastly XXXXXXXX XXXX XXXX XXXXXXXX has violated the FCRA by reporting incorrectly to my credit report. How is it possible to have all positive marks and the file be marked charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide me with your method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ) Account Name XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. Or the list of inquiries : 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Unauthorized fraud charge on my credit card in the amount of {$3000.00} by XXXX XXXX XXXX FL. I have no information on this merchant and have received no goods or services. Chase has been notified but refuses to investigate and/or correct. Chase has " Zero Liability Protection '' policy but have chosen to not have it apply in this fraud charge for some reason. Chase response is " transaction is valid ''. When is fraud valid?
Product: Money transfer, virtual currency, or money service

I had established a USD account with WISE XXXX XXXXXXXX XXXX in XX/XX/year>. 
I transferred XXXX USD to this account in order to pay XXXX XXXX XXXX for a booked trip. The Tour operator operates motorcycle tours in XXXX, XXXX, the XXXX and XXXX and is located in XXXX. 
This particular trip was to take place in XXXX in XXXX of this year. 
I initiated a money transfer in the amount of XXXX to pay for this trip on XX/XX/year> with the detail of the recipient 's bank account, the trip booking code and the keyword XXXX XXXX 
WISE has since then held up the transfer without notification to me. When I inquired as to the reason of the delay via their app, I received a response, stating that money could not be sent to a sanctioned country and the transfer was under review. WISE requested further documentation and I provided a copy of the invoice immediately via email. Also assuring WISE that the money was not intended for XXXX but for payment to the XXXX tour operator. The transfer has to this day not been enacted despite numerous inquiries. It now shows cancelled but the balance on my WISE account has not been updated. 
Also, I requested a smaller, remaining balance of USD XXXX to be returned to my XXXX bank account on XX/XX/XXXX. For this transfer, WISE requested proof of identity. Why? But I did scan and emailed utility bills. However, this transfer has also not been enacted and is held up under review. 

WISE is holding a total of USD XXXX of my money despite numerous requests for returning the money to me. I have lost the trip, I incurred the cost of money transfers into the WISE account. I incurred the loss of the cost of the XXXX visas and the downpayment of the trip. 

I have to assume that WISE is a fraudulent company and request your help to get my money back. Thank You
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX XXXX Account XXXX I In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish any information relating to a Consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once. This is your final chance to resolve the inaccuracies on the item : XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Date : XX/XX/XXXX
Product: Student loan

I contacted my loan service provider to request a statement that would contain XXXX pieces of information, all on the same document. Specifically : - Loan Account Numbers- Payment Amounts- Payment Dates I asked for this information because my employer provides a loan payment match program via XXXX XXXX 's XXXX platform, which requires the above information to disburse a matching payment. I called my loan provider ( ECSI ) on several occasions asking for this information, and was told by a representative on XX/XX/XXXX that the company would send a document with the requested information. That document never arrived at my residence and thanks to the delay, I have unfortunately likely foregone the ability to receive the matching payment through my employer, which would have matched payments I made to ECSI totally more than XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The middle initial on my Experian credit report is displaying as XXXX, this is incorrect. Please delete the incorrect initial ; XXXX, and replace with the correct initial ; XXXX. I am writing your office today as I am a victim of fraud. An unknow individual used my personal information in the past to obtain credit. I filed a compliant with the XXXX XXXX Police Department and I attach a copy of the card containing the case number with this letter.
Product: Money transfer, virtual currency, or money service

Wells Fargo " Pay Bills '' process delay in sending payments to payees. 
. 
When Wells Fargo customers select a " send date '' to pay bills from their checking accounts using the Wells Fargo online banking, the payments take anywhere from 1 to 5 days from the " send date '' to the " deliver date, depending on the payee, to reach the payee. The money is taken form the customers account on the " send date ''.

Therefore the customer has to take that date lag into account and schedule the payments at least 1 to 5 days before the payments is due to the payee. Any miscalculation on the part of the customer could result in late payments to the payee, and late fees from the payee and possible lowering of their credit score.

In the 21st century, why does it take Wells Fargo anywhere from 1 to 5 days to send an electronic payment to a payee? Other banks can send the payments right away to payees. Consumers can send money instantly from their checking account to another person using XXXX, XXXX, XXXX and the like. 

Is Wells Fargo using the payment dollar amounts as a interest free loan during the " send date '' and " deliver date '' 1 to 5 days interval. When you add up the thousands of payments Wells Fargo processes daily, they would add up to millions of dollars in Wells Fargo possession until the payments are delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX Account XXXX. Original Creditor : XXXX XXXX XXXX XXXX. amount {$380.00}.

XXXX XXXX Hospital in XXXX, XXXX sent a bill addressed to XXXX XXXX to my home address in XX/XX/XXXX. I immediately took the bill to their Med Rec Dept and was told another person 's account was linked to mine and I was assured it was fixed. After speaking with the dept. and researching records myself, the account belongs to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX. The collections appeared on my credit report XX/XX/XXXX. I contacted XXXX at the number above and filed the dispute with XXXX  on XX/XX/XXXX. I confirmed my last name has never been XXXX and I have never lived in XXXX Public records and my credit report demonstrates this. XXXX said the XXXX Policy for the patient is XXXX, policy holder is XXXX XXXX. She said she would file the dispute yet the collection remains active on my credit report. To make matters worse, the hospital closed 2 years ago so I can not get help from them on this matter.
Product: Checking or savings account

Chase Bank closed my checking account XX/XX/2022. I deposited a check from a previous landlord in there for $ XXXX the security deposit refund. 

They closed my account for no reason, after my check had cleared and everything! The check was legitimate. 

My account is closed and I am wondering where my {$830.00} is. Chase Bank did a debit dda- check charge according to a letter I received on XX/XX/2022. 

My money was taken away from me. I want it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

on XX/XX/XXXX I call veterans first mortgage to see if I could refinance my property at that time I spoke with XXXX XXXX XXXX, I asked him if I could refinance a property that I had bought on XX/XX/2016 for {$58000.00} and I needed {$4000.00} to paid my credit cards, he told me yes to give him all my information, later he call me to tell me that he was going to refinance the property for {$67000.00}, that i will have to paid {$450.00} for apraisal .I have to used my crdit card for the payment it was denied the apraisal value was way below the {$67.00}, I lost {$450.00}. by been promised that I will get the {$4.00}, at the end I was offered {$600.00} now my credt card is out of my limit Iwill like to get refunded {$450.00} from Veteran first mortgage ... help please
Product: Credit reporting or other personal consumer reports

I hope this time Consumer Reporting Agencies will be able to answer my unresolved disputes about these incorrect and misleading accounts to which I have requested for proper reinvestigation from my previous letters about a few months ago. They have failed to get back with me.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX CO on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Debt collection

Under the Fair Credit Reporting Act ( FCRA ) sections **609** and **605**I am requesting verification and validation of all data related to this account, including but not limited to every notation, date, and balance, whether reported or not. I also demand proof that I consented to this inquiry as required by FCRA section **609**, and request confirmation of the accuracy of this inquiry under FCRA section **623**.

If you can not provide sufficient proof of consent or accuracy, I request that the account be removed from my credit report immediately**.Per the provisions of the Fair Credit Reporting Act, I expect a thorough investigation into this matter, and that you will recheck the account information with the original creditor.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRICIPLE IS NOTICE TO AGENT After reviewing my credit reports I noticed that your are alleging that the following accounts are negative without furnishing any proof of verification or accuracy of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX + XXXX XXXX XXXX + XXXX ONE MAIN + XXXX XXXX XXXX  + XXXX XXXX XXXX XXXX XXXX XXXX XXXX  + XXXX As you know it is against the law to report any information not proven accurate.I demand that you provide me with concrete evidence of my obligation to said accounts Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. If you accept my request, I will not escalate this matter to Federal Court. In the case you dont accept the above request, legal action shall be taken against your company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerley, : XXXX XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit card or prepaid card

I received email communication from Capital One on XX/XX/2019 that my personal credit card account was closed due to inactivity on XX/XX/2019. I called Capital One on XX/XX/2019 and I spoke with a senior account representative who told me the account was first marked for closure on XX/XX/2019, and because over 30 days had passed since that time I am now ineligible to ask that the account be reinstated. My issue is that I did not receive any information from Capital One that the account was going to be closed within this 30 day time frame, and only heard from Capital One on XX/XX/2019 after the account was officially closed, therefore giving me no opportunity to request that the account remain open. As a result, this, my oldest credit account is now closed, my available credit is decreased, and as a result my credit score is negatively affected.
Product: Checking or savings account

On XX/XX/21 an unauthorized withdrawal of {$620.00} was withdrawn at a B of A in XXXX, Georgia by someone who somehow received my bank card and pin number. 
On XX/XX/21 an unauthorized withdrawal of {$340.00} was withdrawn at a B of A in XXXX, Georgia by someone who somehow received my bank card and pin number. 
On XX/XX/21 an unauthorized purchase of {$390.00} was made at a XXXX in XXXX, Georgia by someone who somehow received my bank card and pin number
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns reguarding Zelles disputes, in light of recent CFPB Lawsuit highlighting issues! Despite using Zelle numerous of times and reporting Discrepancies my financial institution and XXXX fell to investigate My claims adequately! They informed me that cover in XXXX  funds would be impossible And tracking these claims would be in unfeasible!
Product: Debt collection

Years ago, I think XXXX, I saw on a credit report that and old credit card debt from MBNA was charged off. Did not check again until I was informed by XXXX XXXX this month XXXX 2015, that there was a Judgment Lien on my credit report. XXXX Portfolio had obtained a default judgment against me without any notice to dispute. I had no knowledge of the lien for almost seven years. I believe this debt was charged off and the sold to XXXX who then tried to collect on an expired debt. I looked up XXXX on your sight and found out I am not alone, that thousands of consumers are being punished for fraudulent and illegal practices committed by XXXX. Now I found out XXXX sold the same time-barred account to XXXX XXXX and they are continuing to try and collect the same account that was charged off by the original creditor. Looking at Consent Order XXXX I think I am XXXX of the Eligible Consumers who should have the judgment vacated and removed from my credit report. Thanks in advance for any information or help your organization can provide. I did learn that now I will check my credit report at least once a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage XXXX and was not allowed the 14 day mortgage shopping window. 3 or 4 other mortgage companies have checked my credit and every check was registered as a hard inquiry ; therefore my credit score has gone down every time my credit was checked within the 14 day window.
Product: Checking or savings account

I opened a Citizens Bank Clearly Better Business Checking account on XXXX XXXX XXXX and deposited {$100.00} in cash on that same day in XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. On or about XXXX XXXX XXXX I lost access to my online banking account, and my debit card was disabled. I contacted the customer support on the same day and was only told there was an investigation related to my account for whatever unknown reason. I was only assured that that matter should be resolved within 10 business days and funds would be released by then. As of today, XXXX XXXX XXXX, I have not had my funds returned as previously promised. Nor was there any communication whatsoever about this matter.
Product: Checking or savings account

back in XXXX my card was stolen. Shortly after my card was stolen these fake checks were being deposited into my account but were being charged back, at the time I didnt notice because I wasnt getting any notifications or anything. The last time the check was deposited it was for {$11000.00} and it went through. Shortly after it went through the money was wired out in several different ways. I didnt notice any of this until a month later the check bounced back and put my account in the negatives. I believe my card was copied because when the transactions happened I was using the card in a whole other town. The bank didnt even investigate they just closed the case, if they look at the camera of the atm footage that they used the card at you could see its not me.