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

i have tried to transfer funds from a my XXXX bank account to my XXXX bank account, both registered in my name, and they stopped the transaction asking to provide a document i then provided my passport and the account was verified so i proceded with a fund transfer service from XXXX to XXXX to pay family expenses like, rent, food and similar i placed one by one and then had to cancel the following fund transfers XXXX {$520.00}, XXXX {$520.00}, XXXX {$1000.00}, XXXX {$420.00} since i was still waiting to know the exact amount from a relative of mine in the meantime i have placed another funds transfer this time from my own XXXX bank account to my own XXXX bank account with this transaction XXXX {$420.00} they " XXXX XXXX XXXX department stopped again the tranactio and asked to provide a financial document and they clearly indicated that bank statement must be the statement of the funding source used to place the transaction i have provided the bank statement twice but they know say that " they are not able to confirm my identity '' please note that xoom requested my passport and my bank statement only to say that they can not confirm my identity and that my xoom account will remain restricted they have received so many online complaints and class action, but i think that they need more xoom are a bunch of document collectors without a reason ( because they collect documents but they still they do not reactivate accounts ) so i wan na make sure that consumer finance knows that they have collected my passport and bank statement, with out any reason i will report them on the XXXX privacy law website also
Product: Credit card or prepaid card

CITI Bank I Payment On timeclosed my account without notice or confirmation. 
Account Type : Flexible Spending Credit card Date opened : XX/XX/XXXX Hight Balance : {$3000.00} ( I payment on time, Why have Hight Balance??? )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit file that were not initiated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here are the list of inaccurate information which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, M XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

We took out our house loan XX/XX/XXXX. The loan was with Homecomings Financial - Loan # XXXX and Account # XXXX for around {$160000.00}. Sometime later it changed to GMAC Mortgage. Again sometime later OCWEN took over. Account # with them is XXXX. I would say XXXX % of the payments I also paid extra principal. I started out just paying extra towards the principal and then I got a copy of the Amortization schedule and paid the principal applied for the the upcoming month. We had it figured and was told by our mortgage officer that if we got a 30 year loan and paid the extra that our house would pay off in 12 years instead of 30 years. We are right at the 12 years and OCWEN is saying that we still owe {$83000.00} and our loan will not pay off until XXXX XXXX, XXXX. I have sent OCWEN numerous letters informing them of this and all they send me is a printout of what we have paid. I know what we have paid. I am the one that paid it. I CAN NOT understand their people on the phone because they do not speak very good English. I have plenty of documents from Ocwen and to Ocwen. I sent my last letter certified mail to the attention of the Manager of the Servicing Department at Ocwen with copies of payments I have made which included additional principal paid throughout the years. They sent a letter explaining where they post the payments too. They have sent me this letter many times. I am going to try and attach my certified letter, their certified letter and printout of my payments.
Product: Payday loan

I am an XXXX for a debt collections law firm, I know the FDCPA and FCRA to a T. This company has called my brother who is XXXX, my father, my sister, my mother and myself. The first time they ever contacted me was XXXX XXXX. I was told the debt originated in XXXX iao {$600.00} through a payday loan online service. I have never taken out a payday loan in my life. And in XXXX, I was XXXX. I think I would 've remembered {$600.00} dropping into my account. They stated that they did n't have to send me validation because they are a 'mediation ' company and that they were going to pursue suit for the debt. My father LITERALLY had to call and harass them over and over for 2 hours before they agreed to take our numbers out of their system, because the collector told him he would n't stop calling us and that he did n't have to stop! And not before they cursed him out calling him an XXXX among other things. I have n't received any calls until today - XXXX/XXXX/XXXX. I received a voicemail from XXXX, threatening to call any other references I may have provided so I called back not knowing it was the same company. Today, the story was that the debt originated in XXXX at an in store payday loan provider ( I would 've been XXXX ) and it is for {$300.00} from an in store payday loan provider company called XXXX XXXX. I have not received validation, and if this debt is valid, I will file a police report for fraud. However, if this harassment continues I will get an attorney - XXXX. I spoke with XXXX today, and they did not verify any information ( which is required for consumer protection ) and GAVE ME MY OWN SSN! I have googled the number and the situation, and many others have deemed this as a scam. I want them stopped TODAY!! I have never received any phone calls from so called XXXX XXXX XXXX advising I had this debt, never received letters - if they 're so great at locating my entire family you 'd think I would 've received one phone call? Funny how that works. When XXXX realized I knew what I was talking about, he immediately said he 'd put a hold on the account and that I would n't receive any more phone calls. If this debt is valid they 're going to have to sue me to get their money because I 'll get that dropped and file a counterclaim against them for violation of the FDCPA and they 'll have to pay me 10X more than the mere {$300.00} they say I owe. I do not owe this debt - and this is a scam. Good luck NP Group, not getting one over one me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to the Credit reporting Agencies in accordance with the FCRA 's guidelines to ask that the following accounts, which I consider to be erroneous and incomplete, be looked into right away and updated on my credit report. I read over my credit report and found that some of the data was incorrect. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit card or prepaid card

I am writing to you on behalf of myself, regarding the unauthorized disclosure of my personal information to unaffiliated third parties without my knowledge or consent. It has come to my attention that your institution, Grain Technology, has reported my information to third parties without providing me with the required disclosures, as mandated by Federal Law. 

As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, financial institutions such as yours are required by law to give customers three disclosures, including an opt-out notice. Upon careful review of all documents provided by your institution to me, I have found that none of these documents contained any of the required disclosures under 15 USC 6802 ( b ).

Accordingly, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.
Product: Credit card

On XX/XX/XXXX, when I spoke to a XXXX  representative and agreed to purchase XXXX services I was never told they would be running my credit for a Fortiva credit card and that I was locked into paying XXXX  for 5 years even if I can no longer use the equipment. Shortly after speaking to the XXXX representative on XX/XX/XXXX, I received a call from Fortiva and the representative never mentioned they were using my credit for was a Fortiva credit card nor that I would be locked into paying a XXXX  bill separately from Fortiva. A few weeks after speaking to the Fortiva representative I received a Fortiva credit card in the mail. I called Fortiva to question it as I'm already a victim of Identity Theft. I was told it was too late to cancel and my credit would be adversely affected if I did so. Sometime in XXXX or XX/XX/XXXX I contacted XXXX to cancel their services because I was forced to move as my landlord wanted to sell immediately. That's when I was informed that I was locked into a 5 year contract with them. I told XXXX how I was moving into an apartment where I could no longer use most of the equipment. I was informed that even if I can't use the equipment I would need to pay. I was given two options, one which was to pay each company off in a lump sum or two to keep paying both monthly. I have been locked into making monthly payments to both both companies. The monthly payment for Fortiva has gone up multiple times from {$29.00} to a whopping {$170.00}!!! When I spoke to the chat representative I was told my monthly payment is {$42.00}. Which is it? A few days ago Fortiva reported to the credit bureaus saying that I missed a payment. I'm not sure why the payment was missed as I have auto pay set up and they typically just draft the payment from my account. I tried to dispute this with Fortiva but to no avail. I had to pay {$67.00} to Fortiva on top of the unexpected $ 132 monthly payment so they would open my account back up and not report me to the credit bureaus as past due. A closed account after only 30 days? I have been a very loyal and patient customer considering they have been deceitful and scammed me into a 5 year contract and a credit card. XXXX and Fortiva are highly deceptive and misleading in their sales and business policies and procedures.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Regarding Unauthorized Credit Inquiries and Unresponsive Service by TransUnion To Whom It May Concern, I am writing to formally submit a complaint regarding numerous unauthorized inquiries on my credit report and the lack of support from TransUnion in addressing this issue. 

Over the past month, I have noticed dozens of credit inquiries that I do not recognize. I contacted TransUnion and requested to speak with their fraud department for assistance. Unfortunately, the representative I spoke with was unhelpful ; she refused to transfer my call and spoke over me, insisting that TransUnion already had my complaint on file. 

Since my initial call, I have received no follow-up or notification about the status of my complaint, nor have any of the inquiries been labeled as disputed in my records. Additionally, I have repeatedly requested detailed information regarding the contracts between myself and the companies associated with these inquiries, but I have not received any response from TransUnion on this matter. 

This lack of responsiveness and support has added significant stress and confusion regarding my financial standing and the accuracy of my credit report. As such, I am seeking your assistance in resolving these issues, including the removal of the unauthorized inquiries from my credit report and a prompt response from TransUnion regarding my requests. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA violations : inquires not mine 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  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} Status Collection account. {$61.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$6100.00} XXXX Account charged off. {$6100.00} written off. {$6100.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1900.00} XXXX Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} XXXX Account charged off. {$1.00}, XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$960.00} written XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00} Status Account charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a credit inquiry dated XX/XX/2021 from XXXX XXXX XXXX XXXX XXXX that I was not authorized by me and has been as a result of fraud. I advised and disputed this credit inquiry to Equifax and Equifax has failed to remove said inquiry.
Product: Debt collection

National Credit System refuses to provide me with the documents that show authority for them to collect for this company. I have no lawful obligation to pay a company based on the purchasing of a contract. 

National Credit System, Third Party Debt Collector, who appears to be fraudulently claiming authority to administrate for " XXXX XXXX XXXX XXXX. You will return and transmit your written evidences of your delegated authority to " represent '' that you, National Credit Systems is authorized to administrate ( acting as collector ) on behalf of " XXXX XXXX XXXX XXXX, together with a certified copies of " all '' signatures contract between you,, XXXX XXXX and the original creditor, bonds, original creditor Charge -off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreements for passing " XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the " XXXX XXXX. Courts require your contract for jurisdiction. Caveat : XXXX. 
XXXX XXXX disputes this debt and all claims to contract in accordance with Title 15 USC If you lack the understanding of this paperwork, forward to your ATTORNEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did receive my Equifax report but was interrupted before I could download it. 
When I returned to the computer about 15 minutes later, the paged had timed out, I tried to resubmit my datea but was turned away because I already received the report. 
How can I get a copy of this report?
Product: Mortgage

On XX/XX/2018 I submitted to XXXX XXXX XXXX XXXX an application regarding my exemption from state property tax. It has been three months since I submitted all the paperwork required for a tax exemption. I have called numerous times with no avail.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 
eel I was negatively impacted, hurting my chances at credit after receiving a response my earlier dispute that the accounts were " verified ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion was incorrectly reporting my account with XXXX XXXX XXXX XXXX as closed, even though it is open and active. On XX/XX/2018, rather than correcting the error, the account was deleted. I am a co-applicant for the account.
Product: Credit card or prepaid card

A fraudulent retail card was opened up on my behalf over a month ago with XXXX jeweler without my consent. The bank that issues this card is XXXX I have never made this transaction nor do i recognize this activity on my credit report. I do not know the exact day it was open but i know it was some time during the end of XX/XX/XXXX. This account has caused my scores to decreased rapidly due to high credit utilization.
Product: Checking or savings account

In XXXX 2017 I called Sun-Trust Bank of GA and requested that they close my account.
We finally worked out a balance of {$8.00} due XXXX/XXXX/2017 to close both checking and savings accounts. It was never done. Charges came into the account and we finally got a pay off balance of {$3.00} last week. I transferred {$25.00} from XXXX ( XXXX XXXX ), a wire transfer that was paid to Sun-Trust yesterday. Today I call and they tell me that I must talk with their transfer company at XXXX to verify my wire transfer tomorrow and then, maybe I can call Sun-Trust back, as they told me today that they need me on the phone to close the account.
I have had one story after another 3 or 4 times a week since XXXX 2017 to get these accounts closed.
Sun-Trust had done everything to delay this closing.
Please help me?
Sincerely, XXXX XXXX XXXX last 4 SS - XXXX Acct. XXXX Savings Act. XXXX Checking XXXX XXXX
Product: Debt collection

The XXXX XXXX XXXX XXXX Sent my account to collections. I have always been insured. And my insurance covers everything. I have state insurance. So this debt is not mine. The clinic needs to contact Insurance to handle this and remove it from my credit report as soon as possible. This is not OK. Due to someones clerical error and Ill have a negative report on my credit. I tried to file two disputes with Experian, who did not help, all they do is believe the debt collector. Very unhelpful I do not recommend Experian. Im not going to pay this. Im not responsible to pay this. So if this clinic wants their money they need to bill my insurance which they have on file. I will not stop disputing this
Product: Checking or savings account

My business Debit card was taken, and it contained a fraudulent unauthorized charge for the amount of {$2900.00}. When I did my monthly statements, this charge was found and I immediately called Citibank to dispute the charge. We did an internal investigation as to how that charge came about, and found that a now former employee was responsible without authorization. Law enforcement was called, and charges were pressed against the employee. 

Citibank XXXX times denied my dispute even after providing the police report from the police department which states that they had the person responsible in custody. Citibank fraud department does not return phone calls, they do not communicate other than to deny via letter. I went to the local branch and spoke to the Branch Manager regarding the same issue, and he also stated that I should both open a new dispute as well as appeal with the same documentation. Each dispute was denied.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate & REMOVE these Fraudualent Accounts : 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 In addition to, the Credit Agencies stated everything was complete, accurate XXXX and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile.

The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Debt collection

According to the XXXX XXXX XXXX XXXX, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the XXXX that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages XXXX of the XXXX because it corroborates the policy set in place that I am talking about. Thank you!
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XX/XX/year> XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX and Apple Card- GS Bank USA refused to remove fraudulent account form my credit report, after I sent them a copy of my Identity Theft Report, Police Report, ID, SSN and utility bill which I will include in this compliant. I am requesting that all companies listed send verified documents and the methods that was used to verify this fraudulent account per the information act and FCRA. Apple Card- GS Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX