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

My wife transferred {$9600.00} from my BofA checking account to a domestic XXXX XXXX account on XX/XX/XXXX  due to a scam. I was not at home when everything happened, after I heard the details I immediately called BofA and reported this case to local police on XX/XX/. The account information of the recipient led the police to a real person, who stated that she didn't receive the money and her account was frozen from XXXX, XXXX. The police officer asked us to make sure whether the bank can recover the money or where the money went. So in the following days, I kept calling BofA. First they said it takes 2 weeks, after 2 weeks they said it can take up to 90 days. But after 3 months, they stared to say that this case is rely on another bank so they don't know when I can get the result, and always, they don't have any updates about my case. A few times they promised to request detailed information from the investigator for me, but as a result I never received any information from them. Finally, after one year waiting, I received one email that informed me the bank failed to recover the money and our case was closed, without any explanation. I called the bank for details, again they just promised to send information to me but I received nothing. 

We think the bank should be responsible for the failure to recover the fund, and compensate for the slow response. Because even if the recipient 's bank account was frozen, it will only last half a year normally. Respond after one year doesn't make any sense. It gave the scammer enough time to disappear. What's more, the one year waiting deprived us of the best chance to cooperate more with the police and lawyers. Now it's almost impossible to take any efficient legal actions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Collection/Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account with more than XXXX years in my credit history contains inaccurate information in the different credit bureaus, which does not reflect payment history or date of first delinquency, indicating that the account was sold in XX/XX/year> without including who it was sold to. This inaccurate information falsely minipulates the statute of limitations.I am demanding a deletion of the following account : XXXX : XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX back in XX/XX/XXXX. They are saying that at the time I owed a bill to XXXXXXXX XXXX XXXX for {$4000.00} dated XXXX XXXX said they didnt have this bill. XXXX they are reporting a total of 14 bills on my TransUnion and XXXX now I am sure there are more credit reporting agencies that they are putting these fake bills on. All of these bills are fake. They put doubled the fake dates and the amounts. All of these bills are not legalXXXX XXXX XXXX XXXX  is putting these bills on my credit report when not one of these bills is legitimate. I have tried 3 times in the last 3 months to get these bills off of my TransUnion and XXXX. I keep getting letters from XXXX saying the one bill was legit. These bills are not part of any lawsuit. These bills are past the statute of limitations of Wisconsin which is 6 years. Most of these bills are dated from XXXX and 1 bill from XXXX. If this company is doing this to me. How many other victims are out there that they are doing this to? They are trying to collect money that doesnt exist to anyone. They are trying to steal money from the American people. The sad thing about this if the Wisconsin department of financial institutions would had done there job they would have had there license taken from them and would not be doing this to me.
Product: Credit card

In early XXXX, I was told by a representative from XXXXXX/XX/XXXXXXXX that making a payment on my credit card account would help me keep the account open and in good standing. Based on that communication, I made a {$250.00} payment on XX/XX/XXXX, toward my account. 

Despite this, the company closed and charged off my account later that same month, and reported a {$620.00} write-off with a remaining balance of {$280.00}. The account was originally opened in XX/XX/XXXX with a {$400.00} limit. 

I would not have made that payment had I known the account would be closed and charged off anyway. I was led to believe that my payment would bring the account current and prevent closure. Instead, I feel I was manipulated into paying under false pretenses, which is both unethical and a clear violation of UDAAP protections. 

They have failed to explain : Why the account was closed after a significant payment. 
How they calculated the write-off and remaining balance. 
Why they did not honor their communication about keeping the account open.

This behavior violates : FCRA ( 15 U.S.C. 1681s-2 ( a ) ), for furnishing inaccurate and misleading information to credit bureaus.

12 U.S. Code 5531, which prohibits deceptive and abusive acts in financial services ( UDAAP ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights, 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 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.
Product: Debt collection

Midland Credit Management XXXX for {$740.00} for credit card company I am unaware of/unauthorized charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters, they don't seem to even do anything with them. Their response is that they could not verify it was me, even though my license and social security was attached to each letter. Could not verify do to the wrong information on my credit report. They could of just fixed it with my license and social, you would think. 

Very frustrating to know that people can just do what they want with your credit information. One of my reports says I have 118 % credit utilization. I have no credit cards, no mortgage, I do not have a car payment. But somehow I have used 118 % of my credit.
Product: Credit reporting or other personal consumer reports

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached XXXX file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

ConServe agreed to delete this collection account from my credit report and has failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 Portfolio Recovery Associates XXXX added a derogatory mark on my credit report per XXXX, Upon, further research, this account was transferred / sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it belongs to me. According to the FRCA, Portfolio Recovery Associates XXXX has violated my rights as a consumer and I'm requesting legal action to remove this immediately.
Product: Debt collection

Quality Collections Service and XXXX at XXXX XXXX is in violation of my rights According to 15 U.S.C. 1692c is a section of the Fair Debt Collection Practices Act ( FDCPA ) that governs how debt collectors communicate with consumers. This section prohibits debt collectors from communicating with consumers in certain ways without their consent, including credit reporting using a third party.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I was shopping for a car. Over the course of 2 weeks, I must have submitted anywhere from 30 to 40 applications for credit. 

The inquiries showed up immediately on my reports, but now, it looks like all my scores have gone down 30 or more points. I 'm not sure if this correlates with the closing of a secured card I had with XXXX XXXX ( the only one I had ) or if this is a result of the inquiries. 

If it is a result of the inquiries, I am confused. Those were back to back in efforts for me to shop around for the best deal. I thought most scoring systems counted this kind of inquiries as just one.
Product: Checking or savings account

On XX/XX/year>, I usually receive my early paycheck deposit from my job and the money was not in my account. On XX/XX/year> I had another deposit that was suppose to come in and it never showed up? Then the bank released a late statement about a technical error but never specified the technical error. I am believe capital one stole my direct deposits due to them being sued this morning by the XXXX XXXX  by even embezzling XXXX XXXX dollars from customers, they are fraudulent. I have not received my money as of now and I am not the only persons affected. I need my deposit money now. Ive called them numerous times with no updates or responses and I have bills to pay and this is unacceptable. I have never went thru this with a bank who takes customers direct deposit monies.
Product: Credit card

I opened an account with Synchrony Bank/Lowes. My limit was set at {$1500.00}. I used the available limit and then made payments on the account bringing it down to {$1100.00}. I recently paid the balance down to {$800.00} dollars. After I made the payment they reduced my credit limit from {$1600.00} to {$840.00}. However they reported the credit limit decrease to XXXX credit bureaus but failed to report the correct credit balance which significantly affected my credit score resulting in the denial of a loan. So it currently states on my report that I have a credit limit of {$840.00} dollars with a balance of {$1200.00}. I contacted them prior to them reporting and they told me that they would ensure that my balance information would be reported correctly. They did not. I have paid my account consistently on time. They violated my trust with their unethical account practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the following accounts are fraud. I did not open these accounts nor authorize anyone to open these accounts in my name. I have a suspicion that my ex-husband and his acquaintances are the ones who fraudulently opened these accounts : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - Jpmcb - XXXX  XXXX I have attached an ID Theft affidavit packet and police report.
Product: Mortgage

Is this a SCAM or what? Email from Pentagon Federal Credit Union No Fee XXXX XXXX, XXXX XXXX Sun XX/XX/2021 XXXX PM Hello Ja and Et Thanks for talking today. As I mentioned PenFed rolled out a no fee VA XXXX ( Refinance ) program a few weeks ago. We are covering all the fees ( VA funding fee, title, credit, etc. ). If you have your taxes escrowed at PenFed we are able to rollover the balance to the new loan. Here is the breakdown of what I was playing around with that I mentioned You current situation Remaining Balance : {$540000.00} Interest rate : 2.75 % Payment : {$2200.00} +/- ( Principal/Interest ) VA XXXX XXXX XXXX XXXX : {$540000.00} Interest Rate : 2.25 % ( 2.276 % APR ) ( XXXX Credit Score ) Payment : {$2000.00} ( Principal/Interest ) Monthly Savings : {$170.00} Total Savings : {$63000.00} This is just something that I was playing around with and thought you should know since we are covering all the costs. 



Let me know if you would like to discuss further. 





-Thanks! 







XXXX XXXX Mortgage Loan Officer NMLS # XXXX O : XXXX | C : XXXX Submit a Mortgage Request Get My Rates
Product: Money transfers

North Carolina State Employees Credit Union I have banked there since 2001. 
Recently, I moved abroad and often need to transfer/wire funds to myself. 
I was told XXXX performs that function for them. 
Until recently, the wire charge for XXXX dollars. 
This year is was raised to XXXX dollars, which is a lot for a small account holder who needs to make regular transfers. 
That is almost a TRIPLED charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
US DEPT ED XXXX {$3600.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7900.00} US DEPT ED XXXX {$5700.00} US DEPT ED XXXX {$3600.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4300.00} US DEPT ED XXXX {$4300.00} XXXX XXXX XXXXXXXX XXXX : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

From a dealer, I purchased a vehicle. At the time, I had a XXXX average credit score. Salamander Consumer USA levied a 22 % loan for {$17000.00} loan. The payment on this loan, turns out, is too much for me. I am privileged to information that this Bank has several branches in XXXX. Now, the PESO is of a price that the assets Santander are 50 % undervalued, therefore, they have, essentially doubled the usual interest rate for a XXXX Score. It is miserable dealing with a Foreign Bank. Santander is a XXXX bank with offices in the US. Everybody says that the interest is too much for my score ... .NEVER DEAL WITH FOREIGN BANKS!!
Product: Credit card

On XX/XX/XXXX I was charged by XXXX XXXX in the amount of {$7200.00} Sometime in XXXX I called to dispute this charge as the communication between me and merchant was minimal at best, and the work I paid to have done had not been completed. 
Around that same time my account was adjusted to reflect a credit of {$7200.00} while you investigated the issue. You also removed the payment from the Merchant and that is when the communication picked back up. 

On XX/XX/XXXX the work was preformed and I called to cancel my dispute with the Merchant I was then instructed by your team the adjustment on my account would be removed, the charge date would remain the same ( XX/XX/XXXX ) but it would show a new post date of XX/XX/XXXX. 

After waiting the 7 to 10 business day I was told it would take to reprocess the payment to the Merchant, the Merchant still has not received the funds. 
I have been charged and paid my account balance for the amount in question. 

The Merchant, who uses XXXX, has not received the funds from this resolved dispute. XXXX has no record of American Express trying to send them any funds either. 

I have spoken to multiple people at American Express as well as at XXXX however, no one is talking to each other. I am doing all the talking between the companies and something is systematically wrong between Amex and XXXX preventing the merchant from receiving his funds. 

My dispute is not The expected goods or services have not been received, the dispute is American Express has {$7200.00} of MY MONEY and they have not paid the Merchant. Where is the money?!? Follow the transaction numbers and figure out where the money is either stuck, or was wrongly deposited. 



Someone from American Express needs to contact the merchant ( which I was told would be done and to date they have not heard from you at all ), contact the merchants account processor ( which is XXXX ) and get the issue resolved. 

Find the money I have paid, and deposit it into this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with equifax regarding a hard inquiry I made on XX/XX/2022. I stated the inquiry was not mine and was fraudulent. Within 6 hours they responded to tell me that the result of their dispute investigation was to tell me what we already know. That inquiries stay on credit reports for two years. This was not investigating. They clearly didnt even contact the company. Its common knowledge for inquires start in reports for two years. But when you disputing your never made or authorized the inquiry, the inquiry should be investigated, not just explain the normal rules. No due diligence was taken by equifax to ask the company why they pulled my credit without authorization. I contacted the company and they couldnt even tell me why it was pulled and had no record of the inquiry. If equifax would do their job and the same phone call they would realized that the inquiry can not even be substantiated by the company and it should be removed. They didnt even do any work with the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone had to use my credit to obtain lines with these company i never gave consent to any natural person to use my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX XXXXXXXX was my original student loan, that was combined and transferred to another agency. All three credit bureau 's are reporting inconsistent credit limits, high credit, and dates of last payment. I believe the credit bureau failed to properly update and validate my debt after an investigation. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report.
Product: Credit card or prepaid card

I have been a loyal member of Chase bank for over 10 years and I have had a Chase United credit card for over 10 years as well. I have made many attempts to have a fraudulent charge removed from my account with no avail. On XX/XX/2018 there was a transaction posted to my Chase United Club card ending XXXX in the amount of {$7800.00} at XXXX to the merchant described as XXXX that I did not make nor did I authorize. 
Since a telephone conversation earlier today, I learned that this merchant is a XXXX account affiliated with XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. We spoke with XXXX at XXXX ( XXXX ) who states that there is no record of this transaction using my credit card ending XXXX. We also spoke with XXXX the supervisor / business owner at XXXX XXXX ( XXXX ) who states that this transaction did not exist and that he did not receive this payment. However, this charge remains on my account and is a charge I am expected to pay though I received no benefit from this transaction. 
Since this transaction occurred at XXXX on XX/XX/18, I will honestly recount my whereabouts in an effort to defend the fact that I did not make this purchase. My evening started at XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX XXXX, NY XXXX where I enjoyed dinner with my friends and my husband ( who is authorized to use this credit card ending XXXX ) a birthday. I arrived at the restaurant around XXXX and learned that this restaurant did not accept credit cards. So, I used the Chase bank ATM at XXXX XXXX, XXXX XXXX, NY XXXX to withdrawal {$300.00}. I left the restaurant at around XXXX and went to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, NY XXXX to continue the celebration. I handed my credit card ending XXXX to the bartender to open a tab for drinks upon arrival. I never left the bar until I closed out the tab at XXXX and authorized a total charge of {$130.00}. At no time between XXXX and XXXX did I leave the bar nor did I make any transactions using the credit card ending XXXX. I did not authorize any third party to make transactions using the credit card ending XXXX. I then left the bar with my husband and we took a cab home and I paid for this taxi ride using the credit card ending XXXX in the amount of {$7.00} at XXXX. 
I have no other proof that I did not make this {$7800.00} purchase other than my word. I dont know what else to do to prove to you that this purchase is fraudulent. 
Please let me know if there is anything else I can do to convince you that this charge is fraudulent so that it can be removed from my account.