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

I attempted to pay {$2000.00} to an individual via XXXX from the Regions Online Banking app. I received email confirmation that the transaction had been completed, but the recipient did not receive the money. In addition, the recipient never received any confirmation that he had received a payment. I asked Regions Bank to investigate. Regions contacted XXXX, and XXXX stated that the money was deposited to a bank account associated with the recipient 's phone number. I have simply requested to ascertain THE NAME AND THE ACCOUNT NUMBER OF THE FINANCIAL INSTITUTION WHERE THE FUNDS WERE ALLEGEDLY DEPOSITED, BUT NEITHER XXXX NOR REGIONS BANK WILL GIVE ME THAT INFORMATION. 
XXXX/XXXX/2025 XXXX Debit from Regions Bank Ref # XXXX ( {$1000.00} ) XXXX/XXXX/2025 XXXX Debit from Regions Bank Ref # XXXX ( {$1000.00} ) I simply want the NAME and the ACCOUNT NUMBER of the financial institution where the funds were allegedly deposited so that the money can be recovered.
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 protectected consumer rights to privacy and confidentiality under 15 usc 1681. 
account name : # XXXX XXXX XXXX account name : # XXXX XXXX XXXX XXXX account name : # XXXX XXXX systems account name : # XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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: Debt collection

Follow-Up Complaint Against Experian for FCRA Violations Dear CFPB, I am following up on a complaint I originally filed on XX/XX/XXXX ( Complaint Number : XXXX ) regarding Experians failure to properly investigate and verify a disputed collection account. Despite my dispute, Experian did not provide the Method of Verification ( MOV ) as required under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). Instead of properly validating the debt, they simply marked the account as verified without offering any supporting documentation or explanation as to how the verification was conducted.

The account details in question are as follows : Collection Agency : XXXX XXXX XXXX. 
Balance : {$830.00} Date Opened : XX/XX/XXXX Status : Collection account ( updated as of XX/XX/XXXX ) Experians failure to provide a Method of Verification is a direct violation of the FCRA, and as such, the account should be immediately removed from my credit report. Additionally, I have reason to believe that this account may have been re-aged, as key details such as the status update date have been modified. If Experian is allowing the re-aging of accounts, this constitutes another serious violation under 15 U.S.C. 1681c ( a ). 

I appreciate your prompt attention to this matter and request updates on any actions taken.
Product: Debt collection

XXXX XXXX need all items removed somebody is using my ID chase checking accounts closed
Product: Debt collection

Cavarly Portfolio Services sued me whereI did not live or sign for the debt after they bought it from a bad debt list the original creditor wrote the debt off and the first collection agency XXXX wrote it off in bankruptcy. I became aware of this when I served both the default judgement and the notice of hearing at the same time in XX/XX/XXXX. I made my last payment on the car in XX/XX/XXXX. I did n't know I could sue at this time and so I did nothing. Since they have had the default judgment they have violated my FDCPA an additional three times. They seized all of my mothers social security funds from her bank account around {$900.00} in order to get it back she had to pay around {$150.00} to get an attorney to fix it. Cavarly claimed because my name was listed as payable upon death that they thought the account was mine even though the XXXX XXXX XXXX advised them otherwise. Then later on I had a account at XXXX XXXX XXXX one day it was just negative {$50.00} because they had seized all of my direct deposit paycheck from the day before and the bank charged me for the transaction. Still unaware of my options without talking to an attorney I believed it was over with in XX/XX/XXXX when the scarlet letter I wore on my public records for my credit report listed with case number XXXX default civil judgement for {$7000.00} fell off my report. No they were not done I sent them a letter regarding my rights under FDCPA and that they had violated several times. The statue of limitations had come and gone XXXX times. I advised them not to contact me or I would be sueing them for all of the violations. I received a generic letter from a new attorney in XX/XX/XXXX letting me know that they were taking over the collection of my debt from Cavarly. I am in the process of selling my home and the title is clouded something I was never served papers on even though all of the legal filings thus far had been in XXXX County where I had resided once temporarily for six months. I lived in XXXX County for two years when they say I was sewer served about lawsuit in XXXX County. However they filed the lein on my home in XXXX County of course not even that could be done without adding and inflating the amount of the judgement by {$7500.00} in interest they are claiming on a {$7000.00} debt that they were never intitled to collect on in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on my credit report are in violation of Federal Law. I have requested a few time before a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. I have no record of doing business with any of these companies listed below. Trans Union, XXXX, XXXX have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX BAL {$500.00}
Product: Credit reporting or other personal consumer reports

" I am disputing a series of unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, nor did I provide consent for my credit file to be accessed. The following hard inquiries were made without my permission and need to be removed immediately : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 604 ( a ), a hard inquiry requires the explicit authorization of the consumer, which I never provided. I request that these inquiries be removed immediately from my credit report as they are unauthorized and negatively impacting my credit score. 

I also expect the credit reporting agencies to notify me in writing once the inquiries have been removed, per their legal obligations under the FCRA. If proof of my authorization can not be provided for any of these inquiries, they must be deleted to comply with the law. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to sign up for an Experian account, and they said there was already an account made with my social security number that does not match my name, DOB, or home address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - missed payment ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) XXXX XXXXXXXX XXXX  - missed payment ( XXXX, XXXX, XXXX, XX/XX/XXXX ) XXXX XXXX XXXX - missed payment ( XX/XX/XXXX ) According to 15 U.S. Code 1681a D section 2 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] This transaction history should NOT be apart of my credit report by LAW! I did not authorize this!
Product: Credit reporting

Hi. I wanted to know how to file a complaint about credit inquiries on my Transunion account that. They were removed and then put back on without any notice. From my knowledge, I should have been aware of such circumstances and would like them to be removed again like they were supposed to be. I tried contacting Transunion about this dispute but did not receive any assistance. I would just like all the inquiries removed from my account. 

Please find the inquiries at the bottom of the official credit report uploaded.
Product: Credit reporting

I am making formal complaint against XXXX and Equifax Credit Reporting. 
I have paid XXXX XXXX Bank in full and I requested for these Credit Reporting Agencies to delete XXXX XXXX Bank off my Credit Report and they have refused believing XXXX XXXX Bank that I still owe them {$260.00}. I owe XXXX XXXX Bank nothing. I was a good customer and paid my credit card bill in full every month and than XXXX XXXX Bank came up with a bogus Idea of Fraudulent Activity on my account and suspended the account untill I could prove the account was mine. XXXX XXXX Bank was n't making any money in interest on my account so therefore they want to get rid of my business. I want an investigation into Equifax and XXXX Reporting Agencies and also XXXX XXXX Bank.
Product: Mortgage

I have told them this is not my account on several occasions. They have not offered to help. It needs to be taken off of my credit reports. It looks like it has been paid or transferred but for some reason it is still on my credit.
Product: Mortgage

I am being foreclosed on by Caliber Home Loans on XXXX XXXX, 2016. I am requesting information regarding my mortgage because i know that their are errors due to fraud, forgery, improper securitization, falsified assignments, robo-signing, predatory lending and many other defects. I have been asking for information for years. I also received confirmation from the federal foreclosure review that their were frauds and predatory lending for my mortgage. The original servicer XXXX is guilty of the same stated issues and when I have requested information because of the errors, I have been given the wrong/fradulent accounting. I requested a securitization audit for my sub prime adjustable rate mortgage and have been given inaccurate information. XXXX transferred their servicing to Caliber and Caliber tells me they know nothing about the defects, frauds, failed assignments, improper securitization etc. My mortgage was transferred to caliber with accounting errors, interest errors, and other defects. I paid XXXX of dollars to this mortgage and arrearages in a federal bankruptcy and those dollars paid in bankruptcy towards my subprime mortgage have not been properly applied. The fees and arrearages just kept increasing. I contend I am being foreclosed on and the mortgage amount has errors / is inaccurate.
Product: Money transfer, virtual currency, or money service

I went to a conference in XXXX ( XXXXXXXX XXXX XXXX ) and met a man who told me he works for the private office who can provide real estate line of credit for over a XXXX dollars with XXXX to XXXX. He introduced me to man who works for XXXX XXXX XXXX. He sent me a conditional quote of {$75000.00} will give me XXXX XXXX line of credit. I contacted my lawyer to create an agreement and an escrow account to wire the money to them for the line. He stated that within 72 hours the line of credit will be active to use. We wired {$75000.00} to XXXX XXXX account. The line of credit is not available and I have sent him the real estate listing that I want to purchase. The money was sent from PNC Bank to their XXXXXXXX XXXX
Product: Student loan

I believe I have been intentionally steered away from the public service loan forgiveness program.
Product: Credit reporting or other personal consumer reports

I'm not connected with the creditors referenced, nor did I authorize the specified inquiry. I urge you to expedite the removal of this inaccurate inquiry from my credit report to ensure its accuracy. I appreciate your swift response to this issue.
Product: Debt collection

This happened 2 years ago. My spouse and I were threatened multiple time over the phone. It got so bad to were one worker threatened to physically harm us. The repeatedly called my phone they even called my job.Even a woman called threatening that we wouldnt get a house, the we would be homeless if we didnt pay. Im praying that all these calls were recorded .This was originally a {$300.00} from town XXXX XXXX XXXX late XXXX XXXX XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 deragatories charged off accounts reporting on my most recent credit report which is 1. XXXX  XXXX  2. XXXX and 3. XXXX XXXX  XXXX. Upon challenging the validity of these accounts, XXXX credit bureau has deleted all 3 of these derogatory Items based on the lack of ability to verify all reported information as being accurate. I noticed that as a result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditors reports the same information to all credit bureaus as expected under FCRA. If this is true, I am hereby requesting the information you used to verify these accounts in writing. If such documents can not be produced, please DELETE these accounts from my credit report immediately.
Product: Credit reporting or other personal consumer reports

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 action requested ; To have illegal hard inquiries removed
Product: Mortgage

First Community Mortgage is the Servicing company for my Mortgage. On XX/XX/XXXX, they without my knowledge or permission dispersed escrow money, in the amount of about {$750.00} dollars to an unauthorized person. This act not only puts my escrow money in jeopardy, in that the insurance payment for the authorized agency is not available. But what also concerns me, is this a security breach in their procedures of save keeping of my money. I want to insure that this NEVER happens again. 

Location : First Community Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 sections 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnace an account without my written instructions under 15 usc 1666B a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purposes.I Have Been Impacted by these several violations of laws on my rights
Product: Checking or savings account

I heard any news regarding litigation brought on by CFPB recording interest rate unfair practices and I have had a Capital One 360 account for about the last 15 years and I like to be involved in any litigation or recovery that there is. I am not aware on how to be involved or How the XXXX is ensuring that all account holders will be included in this litigation/recovery so I wanted to document my complaint here. 

I did just call capital one but they refuse to get to give me any help or direct me in any way and said because it was litigation they couldnt talk to me about that matter whatsoever
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX ; XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I keep having unauthorized transactions charged to my debit cards and only being reimbursed little or none of my funds back and its keeps happening Im thinking its a XXXX and the bank only tells me they will send me a new debit card out and the problem happens again and again
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of the fraudulent account and inquiry listed below, which were created in my name without my authorization as a result of a data breach. I am a victim of identity theft, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal from my credit report.

The details of the fraudulent account are as follows : XXXX. XXXX, XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2000.00} Additionally, please remove the following unauthorized inquiry : XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am victim of ID THEFT from the significant data breaches that occured during the last several years. Fraud Inquiries from my report appear on credit even tho I had a security freeze on the report. 
XXXX XXXX XXXX on XX/XX/2023 XXXX Inquired on XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious 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 XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I monitor my FICO credit score. XXXX dropped like XXXX points. When I looked into it, XXXX XXXX whom I had a credit card with had reported me delinquent for XXXX days. I had paid my card off in full in XX/XX/2023. I was told not to close my account as it could ding my credit score. So I didn't. With a XXXX balance I didn't need to worry. However, The company based in XXXX XXXX charged me a fee every month and never sent me a statement or an e-mail. 

Therefore, saying I was delinquent and reporting this to my credit report. I want to have you contact them and tell them I was not delinquent because since XXXX I have had a XXXX balance.
Product: Credit card or prepaid card

I have been using my Wells Fargo credit card to pay my email service provider monthly {$5.00} charge throught automatic bill pay enrollment through this company, XXXX for the past 5-10 years. Last month I was contacted by XXXX that Wells Fargo company had sent them a letter of payment denial ( $ XXXX   monthly fee ) and has charged their credit account {$45.00} fee for fraud. I called Wells Fargo costumer service and discussed with them I have never requested them about fradulant charges by that company. They told me they want their money for investigating that charge. I contacted their executive office asking them to reimburse me for the {$45.00} they had charged XXXX. I just git a letter of denial stating " We are committed to protecting the security of our costumer 's accounts and periodically need to take certain actions to detect and prevent fraud. '' In other words, I, the card holder am stuck with the {$45.00} penalty fee they charged my email service provider, wrongfully penslized by Wells Fargo credit card company. Just think for a moment, if such unethical ways of creating source of reveniew implemented by Wells Fargo, go without legal bindings by this company how many more costumers are going to be subject to their predatory actions.
Product: Credit reporting or other personal consumer reports

Equifax recently responded to my original complaint requesting certain info not be shared on my credit report pursuant to 15 USC 6802 and my RIGHT to opt out. Equifax complied and removed XXXX accounts but responded that an XXXX XXXX account was verified by XXXX XXXX, clearly violating me as a protected consumer! I am demanding a description of Equifax 's procedure to verify this account including a copy of any correspondence received from XXXX XXXX to " verify '' anything on my behalf. Additionally this is muy second request for Equifax to delete this account. At this point, Equifax is willingly noncompliant with the FCRA and violating me as a consumer. I am more than willing to assert my rights and pursue this legally if it can not be resolved ASAP