23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My checking account at Wells Fargo has been under fraudulent activity. Someone withdrew {$5000.00} US dollars 9 separate times over a span of two weeks before I noticed. They withdrew the money to a company called XXXX. I filed a claim to Wells Fargo on XX/XX/XXXX and heard back today that they do not have dispute rights to do anything to recover my funds. This is absolutely unacceptable and I am out my entire savings.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On around XXXX XXXX XXXX, I tried to make a wire transfer of approximately {$87000.00} to an account accepting my XXXXXXXX XXXX XXXX XXXX program 's bank account. Capital One calls me about the reason of the transaction. I answered their question, but from my accent they could tell I am not as proficient in spoken English as a XXXX XXXXpeaker. Despite that, they did not give me enough time to answer all of their questions to my fullest ability. 

They closed my account verbally on the phone, and placed me under a investigation with no clear timeline. I understand this is the procedure, but it is what happens next that frustrate me. 

I contacted my lawyer, who is able to provide a document detailing where the fund came from, where it is going, and why I am making this transfer. I presented the document to a banker at one of their location. But after the banker called their customer service department, they refused to look at the document whatsoever, despite that it may clear any misunderstanding of me being a fraud or laundering money. 

All the other banks I worked with were able to verify that my transfers are legitimate and make the wire transfer. I am nearing violating my contract with those who I am investing it and lose the chance of getting a green card all because of this. Again, I understand that Capital One has to take precaultions against criminals, but they refuse to even glance at my side of the story. It has caused me immense stress.
Product: Debt collection

on XXXX XXXX   a unknown collection was placed on my credit report. I have no idea and this collection is not mine. MIDLAND CREDIT MANAG has posted of collection of the amount of {$1500.00} that is not mine and is misleading false report.
Product: Checking or savings account

I have been working with a XXXX  management team, XXXX XXXX, to move my funds, various IRA 's including Merrill 's, to XXXX XXXX, via rollovers. We ( XXXX XXXX and myself ) have been working with Merrill since XX/XX/2024 to facilitate the rollover. They had me liquidate, at a loss, all my accounts into a holding cash account, where they have been sitting for almost XXXX  months. Every time we get on the phone, we are told it's processing and should soon be resolved. We have completed, submitted and resubmitted their required forms and there is aways a period with no response, followed by an ambiguous letter stating the transfer was denied. We even completed wire transfer forms under their XXXX 's request, but the funds were still not transferred. I have now been out of the market for XXXX  months, resulting in at least {$15000.00} opportunity loss and there is no end in sight. I want Merrill to release my money in a proper rollover to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed multiple disputes ( XX/XX/2022, XX/XX/2022 & XX/XX/2022 ) with Equifax regarding a student loan that continues to show on my credit report with them from the XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$4.00}. 

The amount represents a student loan for which I applied and was approved for last XXXX to attend XXXX University ( XXXX ). However, I withdrew from the program prior to the last official day possible to receive refunds. I've confirmed with both XXXX and XXXX that the funds in question were returned to XXXX. However, every time attempt to have my Equifax credit report corrected to reflect such I am rejected. I have received repeat dispute rejections from Equifax stating that XXXX confirms that the information and account balance of {$4300.00} listed on my credit report is correct. But on my credit report with the other two reporting agencies, the balance for this particular loan reflects a {$0.00} balance. When I called XXXX months ago I was also told that my balance was {$0.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors listed below have violated my rights. 
15 U.S.C 1681 section 604 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 consent. 

Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$1000.00} Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$710.00} Name : XXXX XXXXXXXX XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$760.00} Name : XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$400.00} Name : XXXX XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$570.00} Name : XXXX XXXX XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$530.00} Name : XXXX XXXX XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX reporting that I was late when I was not. They are indicating that i missed a payment when I did not.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$58.00} Late/Open XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report today, and I am completely baffled by it. My routine check suddenly revealed discrepancies that weren't there before. I refreshed my browser thinking it might be a temporary issue, but the inquiries didn't go away. This problem needs to be fixed now, and I demand that my documents be thoroughly reviewed. I'm really upset and need this issue resolved immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the method of reinvestigation for the dispute referenced under Dispute File # XXXX, which was initiated on XX/XX/year>, and has been marked as completed. The dispute pertains to the following accounts and public records : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Public Record Ref # XXXX ) Remains XXXX XXXX XXXX XXXX ( Account XXXX ) Updated XXXXXXXX XXXX XXXX ( Account XXXX ) Verified and Updated XXXX XXXX  XXXX ( Account XXXX XXXX Updated XXXX XXXX XXXX ( Account XXXX XXXX Remains The results of this dispute indicate that some items were verified as accurate, while others were simply marked as updated or left unchanged. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 7 ), I am legally entitled to request the method by which Experian conducted its reinvestigation and to receive this information within 15 days.

Formal Request for the Method of Reinvestigation In compliance with 15 U.S.C. 1681i ( a ) ( 7 ), I request that Experian provide the following information for each of the disputed accounts : The name and contact information of the entity that provided the verification. 
A detailed explanation of the specific method Experian used to verify the accuracy of the information. 
Copies of any documentation, correspondence, or records used in the reinvestigation process to confirm that these accounts and public records rightfully belong to me. 
Legal Consequences for Noncompliance If Experian fails to provide the requested information within 15 days, it will be in violation of multiple provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of reinvestigation upon request.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of consumer information.

15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA, which subjects Experian to civil liability for damages. 
Next Steps If Experian Fails to Comply If Experian refuses to provide this information or fails to comply with my request, I will : File a formal complaint with the Federal Trade Commission ( FTC ) for Experians failure to comply with federal consumer protection laws. 
Pursue legal action in federal court for Experians failure to conduct a reasonable reinvestigation and provide documentation as required by law. 
Demand the immediate removal of any disputed items that Experian can not properly verify. 
I expect a full response within 15 days of receipt of this letter, as required by law. If Experian can not validate the disputed information with proper documentation, I demand that these items be immediately removed from my credit report. 
This letter serves as a formal demand for compliance with federal law. Please respond promptly.
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. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Money transfer, virtual currency, or money service

I used Cashapp to make a purchase and it was a scam so the person never mailed the goods. I put in a dispute with Cashapp and they said they can't reverse the transaction because it was marked complete and i disputed it with chase and they said it was an authorized transaction so they wouldn't refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XXXX XXXX XXXX It has been over 30 days, I still haven't recieved anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This is a violation of my rights.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX Balance : {$480.00} XXXXXXXX XXXX XXXX Balance : {$480.00}
Product: Debt collection

I took out a payday loan in XXXX of an amount of {$520.00} from XXXX XXXX XXXX XXXX. I paid back the full amount due. On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX stating they received my payment of {$520.00}. Then 5 yrs later in XXXX I have been getting letters and phone calls from XXXX XXXX XXXX XXXX for an outstanding balance from XXXX XXXX XXXX XXXX of {$520.00}. I have responded with emails showing the email that I received from when I made the payment of {$520.00}. They sent me into collections and I'm in the process of purchasing a home and this collection is hurting my credit score. I am asking for XXXX XXXX XXXX XXXX and Midwest Recovery Systems to close this debt that is no longer due.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

Resurgent Capital Services/ LVNV Funding LLC has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. This is my last correspondence before legal action follows.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint is being filed to request that you, the credit reporting agency, block information on my consumer credit report resulting from identity theft and fraud, as mandated by FCRA 605B ( 15 U.S.C . 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. 

The fraudulent and inaccurate information includes : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3500.00} XXXX  Opened XXXX XX/XX/XXXX Balance : {$600.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance : {$1800.00} Auto Loan XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$24000.00} I do not recognize any of these accounts or collections as they were not opened, made, or initiated by me. All the accounts listed above are a result of identity theft and fraud. 

Attached is a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof that these accounts are fraudulent. 
Please delete these accounts as soon as possible as it stopping me from been able to get approved for my home loan.
Product: Debt collection

I mailed National Credit Systems , Inc. my first communication by mail on XX/XX/XXXX. My letter requested that the debt collector provide validation of the collection account they are reporting to all three credit reporting agencies. I received a response back on XX/XX/XXXX from National Credit Systems , Inc. which included a Move Out Statement ( XX/XX/XXXX ) from XXXX XXXX, but did not validate the debt they are claiming I owe per the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

NCS Account Number : XXXX Current Creditor : XXXX XXXX XXXX / XXXX Client Account Number Ending : XXXX Balance : {$4300.00} as of XX/XX/XXXX per their last I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. Therefore, if National Credit Systems , Inc. chooses to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired and I may have turn the matter over to an attorney.
Product: Credit card or prepaid card

I was offered an upgrade promotion of XXXX membership rewards points for upgrading my American Express Everyday card to the American Express Everyday Preferred. The terms were XXXX points once I hit a spend of {$2000.00}. I agreed to this offer in XX/XX/XXXX and completed the {$2000.00} spend requirement on XX/XX/XXXX. I paid the agreed upon prorated annual fee of {$60.00} on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received the promotional XXXX points as promised. I have tried to contact the bank many times and they just give me the run around saying the points will show up next month every time I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is not valid I was never notified about this debt and it keeps reappearing on my credit report
Product: Mortgage

Reference to complaint  XXXX ,  Seterus  stated " Had the property taxes been paid in error, your tax entity would have refunded these funds to  XXXX  ''. This statement is false. The account for property taxes are in my name, irrespective who pays into that account, any refund will always goes back to the account holder. Another example, Seterus payment for home insurance did not arrive in time and  XXXX  called me. To give more time, I pai d one month insurance premium. After Seterus  payment arrived, it resulted in overpayment and the overpayment returned to me and no t Seterus. Seterus  should know this better.     Seterus failed the terms and conditions of account transfer from  XXXX  by opening an escrow account prior to loan modification application.  XXXX  never opened an escrow acco unt. Does Seterus  accepts a letter from  XXXX  confirming that they never opened an escrow account?
Product: Credit reporting or other personal consumer reports

On or about XXXX XXXX, 2023. IC System fraudulently placed a Collection Account on my credit reports for XXXX XXXX and XXXX. The collection agency is reporting the debt on behalf of a storage company titled " XXXX XXXX ''. Per its credit reporting of the alleged debt. However, I do not have an account with XXXX XXXX. I did not authorize this account. I do not have a business relationship with this entity. IC System did not report to XXXX any previous payment history, monthly payment amount, and only reported that the account is a Collection Account, with no other verifying data provided. IC System has never contacted me by mail, phone or otherwise to inform me of the alleged debt. I do not have a Storage Unit with XXXX XXXX. I do not owe a debt to XXXX XXXX or IC System. IC System nor XXXX XXXX has never placed a inquiry of any on my credit reports. IC System knowingly and intentionally placed a Collection Account on my credit reports without verifying if the debt was valid or authorized. Further, IC System failed to report accurate information by not including data that is necessary to validate a debt. IC System has clearly placed another individuals account on my credit reports. Which has directly caused me undue hardship. XXXX immediately removed this fraudulent account from my credit reports. I request that XXXX and XXXX adhere to consumer law concerning not placing inaccurate information on my credit report that are not in good faith verified and authentic.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry is not authorized by me as it was done by that creditor without my permission. Please look thoroughly at the documents attached to understand where I'm going with this statement.