23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

These items below do not belong to me or anyone i know. I have tried to fix this myself and have gotten no where. this is keeping me from buying a home XXXX XXXX XXXX Opened XX/XX/XXXX {$140.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$66.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$640.00} Original creditor : XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, a remittance of {$100000.00} USD was sent from XXXX XXXX  in XXXX to my account at XXXX  XXXX XXXX XXXX ( XXXX XXXX ). The remittance information provided by the sender was accurate and correct, including the XXXX code XXXX. However, due to an error made by the intermediary bank, Bank of America ( BOA ), the XXXX XXXX was changed to XXXX during processing, which caused XXXX  XXXX XXXX XXXX to reject the deposit to my personal account. 

Additionally, although the funds were remitted in USD ( as per the remittance record ), the intermediary bank ( BOA ) converted the currency to AUD  without authorization. This resulted in significant losses due to exchange rate differences. My receiving account was designated to accept USD, and no consent was given for this currency conversion.The remitter clearly filled in the USD receiving account, but now the intermediary bank has replaced it with AUD. The accounts in the XXXX dollar account and XXXX dollar account are completely different, which is also the second reason why XXXX  XXXX XXXX refused to deposit the funds to me. 

I contacted XXXX ( my receiving bank ) multiple times, and they confirmed that the issue originated with the intermediary bank, Bank of America. However, despite their attempts to contact BOA for resolution, no response has been received, and my funds remain in limbo. I also called BOA 's directly, but they refused to assist me as I am not their direct customer. 

This situation has caused significant financial and emotional distress. I urgently need these funds, which have been delayed for weeks due to errors beyond my control. I seek CFPB 's assistance in ensuring that the funds are deposited into my account immediately, as originally intended, and that the intermediary bank addresses the unauthorized currency conversion and associated losses.
Product: Credit card

I have been an excellent customer of synchrony bank and have always paid my credit card on time, and in full, every single month. On XX/XX/year> i tried to use my card and I was declined. I called synchrony bank and was told that my card had been closed. I asked for a reason and was told that they received a message from XXXX that I was considered " High risk ''. I quickly checked my credit report with XXXX and found nothing that would indicate this information. 

On XX/XX/year> I proceeded to call XXXX and discussed my credit report at length. I was told there were zero negative remarks on my report and nothing showed high risk. I called back Synchrony bank and was told their decision was final. Zero explanation was given to me. 

Furthermore, my cashback that I earned on the card was not given to me because they closed my account.
Product: Money transfer, virtual currency, or money service

I was involved in a XXXX scam in where a criminal posted a AD for concert tickets on XX/XX/XXXX going by the name of XXXX XXXX. The criminals phone number in the AD was : XXXX. To exercise caution I called the phone number on the AD and requested that the seller meet me in person to exchange the tickets for the funds. The seller said that there was no way they could meet due to not having an available vehicle and mentioned they could send e-tickets instantly to me if i could send payment ( {$200.00} ) through XXXX to pay for all three concert tickets that I wanted to purchase for a concert on XX/XX/XXXX. I was speaking with them on the phone about the transaction and they said if I could send 1/2 the payment for safety first they would send two of the tickets and i could send the rest of the payment and they would send the remaining ticket. I sent the money ( {$100.00} ) through XXXX ( via Wells Fargo bank ) live with them on the phone and when they received it they said they were going to send the tickets and then hung up on me. To give them the benefit of the doubt I thought the phone disconnected but when I called back over times times they never picked up. This is the book definition of digital theft/wire fraud and they perpetrator and in any nationwide justice system the criminal would do jail time if persecuted. I received a message from the scammer a day filled with curse words and they said they did not know what I was referring to. This is a case of complete wire fraud, criminal theft and unethical behavior in the utmost manner. 

I opened a fraud case with the Wells Fargo XXXX Banking department on XX/XX/XXXX and I just found out today ( after contacting wells fargo ) on XXXX that they absolutely refuse to pursue the matter and contact the bank in where the criminal received the money or give me absolutely anything back. 

Specifically, I spoke with a manager in the Wells Fargo XXXX Banking department about the matter and they were extremely rude and short with me and very rudely said that they can not do anything about this matter and I am on my own and that I should have been more smart not to send this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile. I have not initiated any transaction with the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review or collection. XXXX Credit / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. Dispute letters were sent to the companies to dispute the matter, no correspondence yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this erroneous information. I think you have not validated these accounts 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, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$32000.00}
Product: Checking or savings account

I was minding my own business, studying in the library at my college last Thursday, XX/XX/XXXX, when I get an email from Chase at XXXX pm saying, " We sent your wire transfer. '' I was surprised by this because I had never sent a wire transfer nor even set up the service that allows you to do so. I logged onto my banking app to make sure this was legitimate and saw that there had, in fact, been a {$900.00} transfer from my savings to my checkings and then a wire transfer from my checkings of {$630.00} ( with a fee of {$40.00} ). I find out that the wire template had been activated on my account an hour prior with Chase 's secure message center reading, " You are now able to send a wire transfer to XXXX XXXX. '' I panicked and called Chase immediately. When connected, I was asked a series of questions asking. I admitted only to using public wifi. I had never willingly given out my banking information to anyone besides my parents. They proceeded to freeze my account and promised to call me back the following week. I received no correspondence and decided to follow back on Wednesday, XX/XX/XXXX. I was told then that during their investigation, Chase found no evidence of fraud since the transfer was completed using no unrecognized devices and was at my same IP address. I kept trying to appeal, providing them with more information like my login history, that my computer may have had malware on it that compromised my online information, and they kept redirecting me to other departments and ignoring my plea. I didn't know what to do but go to an outside party to intervene.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts, inquiries, incorrect addresses, and inaccurate names appearing on my credit report Reported without valid evidence Account name : USAA FSB Account number : XXXX Please remove inaccurate information from my credit report I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 
Enclosed, you will find a copy of the relevant FCRA sections, particularly FCRA 605B ( 15 U.S.C. 1681c-2 ), emphasizing the immediate removal of information identified by the consumer as fraudulent, not later than 5 business days from the receipt of such notice. 

Please acknowledge the receipt of this letter and provide a timeline for the resolution of this matter. 
I am sending this letter as the sender, XXXX XXXX XXXX, expressing my personal thoughts, opinions, and intentions. The content of this letter is solely my own and does not reflect the views or opinions of any organization or entity. 
Thank you for your prompt attention to this matter. I anticipate a swift resolution. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This company has filed bankruptcy & has charged a large amount of APR at 32.99. They are still trying to collect an illegal payment.
Product: Credit reporting or other personal consumer reports

I have an account with Avid Acceptance. However, there are a few late payments on my account I hope Avid is willing to work with me on. During XXXX coming into XXXX I was in XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  my wife was taking care of my accounts but she was also juggling a lot things. She did her best but there were times where her income alone could not pay all the bills or she forget through no fault of her own. I am at a point where I would like to get things back on track and understand my contractual obligations and ask that Avid please take my situation into consideration.
Product: Debt collection

XX/XX/2019- unknown debt collector called my phone asking for my name and when I said yes ... they hung up and slapped a {$2500.00} onto my credit report. I sent a dispute letter to the credit bure

aus asking to please investigate and verify this account. for2 months I was receiving debt collectors calls after changing my phone number and blocking spam calls. I still was receiving calls so I upgraded my phone service to blocked any unknown or likely spam calls so that I wo
uldn't receive them at all.

, XX/XX/19- I received a letter saying that I owe the amount and they offered to be discount 25 % percentage to pay debt off, XX/XX/19I received my credit report saying that the debt was deleted because it could not be verified according to the FCRA. but then I saw it was reported to the other 2 credit bureaus XXXX  and XXXX.

, XX/XX/19, I received a flyer saying make full payment of 90 % off on your debt just login to the link below.

XX/XX/19 credit report got hit again with debt in the amount of {$2500.00}, I sent another certified letter to the creditor to please send me proof of my signature and how I owe the debt they claim is mine. and that I will involve my attorney for their illegal practices.

, XX/XX/19- the amount is {$2500.00} They sent a response letter saying that if the debt is not resolved, it may be reported to one or more credit bureaus and that it could adversely affect your credit.

As on XX/XX/2019 I sent another letter for them to send accurate proof of my consent/ signature of so-called owed debt, Haven't received a response yet. 

The Creditor is Hunter Warfield and the original creditor is XXXX XXXX XXXX XXXX which I was never notified by the original creditor of any debt and why I was being billed.
Product: Money transfer, virtual currency, or money service

I recived a letter from the XXXX stating an amendment to my XXXX  tax return. The letter stated that I had received a payment cards totaling XXXX dollars and that I failed to report this to the XXXX. The XXXX  is wanting XXXX dollars in back taxes. I have contacted XXXX XXXX Block Inc and they keep saying they can not comminicate any way other than email. I have opened a case with them ( XXXX ) anf have gotten no where. When I call, the XXXX number says I dont have an account.
Product: Mortgage

Due to the Coronavirus I was laid off work and will have no income for a least a month bc XXXX XXXX is shut down. I work in the XXXX XXXX industry and asked for a forbearance with 3 months added to the end of my loan. They said they could do 3 months but it would be do in full at the end of the months. This doesn't work as I'm not going to magically go back to work making double what I did before so this company Freedom Mortgage is NOT changing their forbearance structure at all to help people during the Coronavirus closures!!!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX.
I have asked for proof of this being my account and have not recieved anything.
They have sent one reply asking for my personal information that I have provided in my initial letter. 
Still have not received proof.
Product: Credit reporting or other personal consumer reports

I wrote Experian disputing a bankruptcy reporting on my credit report on XXXX XXXX. Experian wrote back stating it was verified. 
XXXX wrote Experian as well disputing the information and Experian never responded to XXXX dispute to erase the bankruptcy due to not being able to verify the information. 

I wrote another dispute letter to XXXX on XXXX, XXXX, XXXX about Experian stating it was verified. XXXX, reported that there are no bankruptcy reporting on my file with them at this time. XXXX wrote Experian another letter to dispute the inaccuracy however, Experian will not respond to the dispute with XXXX. 

This ongoing issue prevented financial security and emotional toll. 
Please address this matter promptly!
Product: Credit reporting or other personal consumer reports

This is in regarding to my Santander, I gave the car back since they kept reporting wrong payment submission dates and was hurting my credit. It was suppose to be removed from my account yet they said I was late with payments even after I gave them back the car. My other issue is with milestone credit card I paid my balance off expect for the yearly fee because I only had it for XXXX months before because it took them XXXX whole month to make my funds available after paying my balance. Once I paid it off I closed the card but they didnt close it and it was kept active and someone made charges in it that wasnt me. They were suppose to investigate and get back to bust they havent but they keep reporting to my credit that Ive been late with my payments when I never have been and its been closed for monthssss yet every month that goes by Im getting told Im late on a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing
Product: Debt collection

I NEVER had a mortgage with Nationstar Mortgage LLC. NOR did I have any debt collection on my mortgage. I was in forbearance due to covid with XXXX XXXX XXXX XXXX and that loan was paid in full in XX/XX/22. This has negatively affected my credit report and is fraudulent. If I could I would like to press charges.
Product: Credit reporting or other personal consumer reports

Re : Request for Validation of Debt Pursuant to the Fair Credit Reporting Act ( FCRA ) Attention Experian Credit Depart : I am writing to formally request validation of the debt associated with the charged off account referenced below, pursuant to my rights under the Fair Credit R

eporting Act ( FCRA ), Section 809 ( a ) and 15 U.S.C. 1692g. Account Holder Name : XXXX XXXX Account Number : XXXX Charged Off Date : XX/XX/2019 It has come to my attention that the above-mentioned account appears on my credit report. 
However, before I can acknowledge the validity of this debt, I am requesting that you provide me with the following information : 1. Verification of the original creditor and the amount of the debt at the time of charge off. 
2. Documentation proving that you are authorized to collect this debt.

3. A complete payment history, including all charges, payments, and interest accrued on the account.

4. Any agreements, contracts, or other documents bearing my signature pertaining to this debt.

5. Proof that the statute of limitations on this debt has not expired.

Please note that under the FCRA, you are required to provide me with the requested information within 30 days of receipt of this letter. Failure to do so may result in a violation of my rights under the FCRA. 
Additionally, I request that you cease all reporting activities on this account until the requested validation has been provided. Any further attempts to report this debt without providing proper validation will be considered a violation of the FCRA and may result in legal action. Please send all correspondence regarding this matter to the following address : XXXX XXXX XXXX XXXX XXXX, FL XXXX If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I have sent XXXX certified letters to the company requesting more information and they have chosen to ignore my communications and also to not put disputed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent letters to XXXX, XXXX, and transunion to validate these innacurate accounts below or remove they are breaking the law. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
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. If you can not provide this proof for these accounts below in 30 days you must remove this inaccurate info from my report. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

they did not provide verifiable proof to for any of these accounts 1. The following account is inaccurate and isnt mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report 2. The following account is inaccurate and isnt mine XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report. 
3. The following account is inaccurate and isnt mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

XXXX exsperian Equifax not make in changes on my credit. report. accounts has been proven already on that. They didn't belong. no changes to found anywhere. On reportsin. Companies like credit acceptance name companies Get it now furniture. has provided me documentation. That these errors problem made. By. credit report company. XXXX XXXX accounts notice has fell off my credit report still no change completed on credit reports. When ever you apply anywhere for credit .The inquiry. Also go up on the. Credit report .I need inquiries removed dude to denial for credit. Founded on records proven on disputes.. Stil there are no changes made anywhere seen on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference is made to previous Complaint Number XXXX dated XX/XX/XXXX with a report by XXXX XXXX to XXXX in the fraud amount of {$8100.00}. 

On XX/XX/XXXX, I received an alert that a new account in the amount of {$8100.00} was opened as reported by Transunion. Payment status XXXX, Name XXXX, Business Type XXXX  XXXX Street Address : XXXX XXXX XXXX IL XXXX. 

I need assistance in resolving this confusion. My understanding was that my credit was frozen on all three reporting credit agencies, so no new accounts could be opened? Then how did this new account for the same amount start up again? 

Why would this reappear? 

Regards XXXX XXXX XXXX, XXXX.
Product: Credit reporting

Back in XX/XX/XXXX i submitted an identity theif disputes along with a official copy of my police report to all national credit agencies once I realized my identity had been stolen. The company did n't follow the FCRA laws regarding information on my credit report due to identity fraud. It states all fradulent items in my name should be blocked permanently and immediately because my private information had been compromised. There are still several fraudlent accounts reporting on all XXXX of credit bureaus and I would like them removed immediately or XXXX dollars in restitution for breaking federal laws. The negative accounts still showing that are not mine are XXXX XXXX XXXX credit cards a XXXX card and XXXX gas card opened XX/XX/XXXX and a XXXX and XXXX XXXX furniture account. Of course the creditor will be able to verify me because my identity was stolen and used so that 's no excuse to not follow the law.