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

My name is XXXX XXXX. I sent a wire to title company on the date of XX/XX/XXXX. 
After a few hours I was told that it had been completed. Two days later however the receiving bank still has not received it. 
I spoke to MULTIPLE call agents, In the online banking department and in the fraud department to figure out what was going on. Absolutely No one informed me that my wire was being held up because I needed to verify my fathers identity. Not only his identity but his place of birth and nationality. Why? because his name was in the memo. Only my fathers name was flagged and not my husbands. My fathers name is XXXX XXXX and my husbands name is XXXX XXXX. I absolutely feel like it was held up due to the discrimination against my fathers name. 
I was on the phone with your customer service representative for over XXXX hours trying to figure out what was going on and all I was told was that it was completed. When I asked to be transferred to the wire department I was told that they would not take my call. So I hung up and immediately called them directly and thats when they informed me why it was being held. After 3 days of calling and XXXX hour long phone call NONE of your other representative told me this. ABSOLUTELY NONE. I went into the bank today to verify as i was advised to by your representative and AGAIN i was told the same issue that they have no idea what is going on and why. My funds still have not been released, They can not provide me with a Federal Reference number that I have requested MULTIPLE times. 
If I had been told by any of your representatives that the reason my wire was being held up was because I needed to verify my fathers identity and his immigration status I would have done it IMMEDIATELY. 
I was wiring funds to a title company. The fact that your company chose to hold my funds and flag my wire simply because of my fathers name is absolutely discrimination. There was absolutely no hold or verification needed for my husband whose name sounded white. But since my fathers name sounded XXXX it was held. 
Your customer service representative have been less then helpful and ive been given the run around for 3 days! 3! This is absolutely ridiculous. I was scheduled to close on my house XX/XX/XXXX and send the funds to close on XX/XX/XXXX! Had I known the reasoning behind why it would have been resolved the same day but absolutely NONE the customer representatives are on the same page and can tell me where my money is. Im told by one representative that its completed just to be told by the wire department that its flagged and I need to verify my fathers identity.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several inaccuracies that are seriously impacting my credit score. These mistakes are driving my score down and affecting my access to better interest rates and financial products.
Product: Debt collection

In XXXX of 2024, I received a letter of Intent to Initiate Administrative Wage Garnishments Proceedings from Pioneer Credit Recovery. I responded to the letter by checking the box that stated that I was ineligible for wage garnishments because I was involuntarily laid off from my previous employer, and I was currently unemployed. I submitted a letter from my previous employer, and a hand-written letter from me stating that I was currently unemployed. I started a new job the last week of XX/XX/year> after submitting my response to pioneer. I received an identical letter of intent to initiate garnishments again in XXXX of 2024. I did not reply to this one since I had already replied to the one back in XXXX. In XXXX of 2024, my new employer received a wage garnishment order. He showed it to me. It was made to look like a court ordered garnishment, but did not look real. It did not have a judge 's signature nor an official seal. He asked me about it, and I told him that I had responded to the letter of intent back in XXXX. He has not been garnishing my wages. Back in XXXX of 2024 he tells me that Pioneer has been harassing him every single month via phone calls and letters demanding payments. Since, then I've been seeking legal advice on how to proceed forward. After several weeks, I finally received advice and I contacted Pioneer on XXXX XXXX, 2024. When I spoke to the initial receptionist, and I explained the problem, she told me that they did receive the letter from my previous employer, but that they did not received my response to the letter of intent. All the correspondence ( letters from me, previous employer and response to letter of intent ) were mailed in the same company provided envelope. She then transferred my call to the wage garnishment division where I spoke to another lady. I again explained my situation to her stating that I had responded to letter of intent back in XXXX of 2024. She claimed that Pioneer never sent me a letter of intent in XXXX of 2024. She claimed that the first letter they sent me was in XXXX of 2024, and that they had no correspondence from me. She offered to resend me the XXXX letter of intent again so that I can resubmit my response to which I agreed. I asked her to stop contacting my employer in the mean time and she said that she couldn't. She said the process was automated and that my employer was not complying with an official order.
Product: Mortgage

We have a mortgage with M & T Bank and we have been approved for a modification under the HAMP program ; We are grateful for that, however M & T Bank assigns the mortgage to XXXX XXXX XXXX XXXX, and XXXX becomes the servicer of the loan, albeit on a temporary basis. 
Our complaint is that M & T Bank, throughout the HAMP application process and subsequent to successful completion of the HAMP Trial Period Plan, continues to sendout letters and account statements reflecting not only inaccurate financial figures, but also a veritable " blizzard '' of mailings that hit us as very intimidating, alluding to potential foreclosure proceedings. Since M & T Bank has assigned the mortgage to XXXX, they are technically no longer the loan 's servicer, and should not be sending such mailings. 

After much angst caused by the intimidating mailings, calls to XXXX result in our being told to just ignore the M & T Bank mailings, despite that many of the mailings specify that we must respond in writing within a certain time period.
Product: Mortgage

I received an offer in the mail from Citibank to refinance my loan and responded in early XX/XX/2021. They immediately advised I needed to have my home appraised by an approved lender. Within one week, I paid {$700.00} to have that done. The appraiser uploaded the appraisal a week later and its been a nightmare every since. 

Citibank has requested the same documents over and over and changed agents without informing me. I only found out when I had not heard from anyone in over 45 days and I called their XXXX number. I reached out to the new agent via email and voicemail over several weeks. It wasnt until I called the XXXX number again and requested a call back from her manager that SHE called me back, not the manager advising all documents had been received and a decision would be made in 6 weeks. Three weeks later, I get yet ANOTHER request for documents and they needed to be received within 3 business days. I do not have time to gather yet another new stack of papers to send to them again. My locked interest rate is set to expire soon and Im afraid I will miss out on the low rate. 

I have a great credit score ( XXXX ) solid job history ( been on my job for 10 years ) and have owned my home for 18 years. My mortgage holder is CURRENTLY Citibank. 

I cant help but wonder if all the hoops Im being made to jump through is a result of the systemic unfair treatment that XXXX people, like me, have silently had to endure in this country from the banking industry. 

Please help me get this issue resolved. 

Thank you, XXXX XXXX XXXX Loan Number XXXX ( XXXX ) XXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i have contacted XXXX numerous times have disputed these inquiries several times. They were not done by me and I have no knowledge of these inquiries. COMENITYBANK/WAYFAIRCARD XX/XX/2020 COMENITYCAPITAL/MPRCCXX/XX/2020 COMENITYCAPITAL/MPRCC XX/XX/2020 these items still remain on my report
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Equifax Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

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

XXXX XXXX, XXXX, XXXX 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed and verified, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX XXXX I've never had an account with this company. The balance that is reporting on my credit report is not the correct balance that I have with the original creditor. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report. I have attached a screenshot of my credit report where it was updated stating that it was verified yet no sufficient documentation has been sent to me. It has been well over 60 days. Please remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

With CItibank, somehow, we were signed up for estatements. We don't do estatements. Never have, never will. Citibank reached to us when the account went 30 days past due. We weren't aware of the estatement situation ( in checking all of those estatements that we didn't sign up for were sent to our junk file ). We have a stellar history with Citibank and have ALWAYS paid them in a timely fashion. 

Now, because Citibank didn't reach out to us until the account was 30 days past due and we were signed up for estatements ( again, something we don't do with ANY creditor ), they reported one past due to our credit. It has damaged our credit and I've had other credit cards reduce our credit ( XXXX XXXX ) by {$2000.00}. Irresponsible behavior by a company and a lack of follow up on their behalf has damaged our credit. I am furious. We spent a lot of time getting our credit rating over XXXX and that has been damaged by Citibank. 

Citibank has been contacted on this issue. They claim we signed up for estatements in XXXX of 2023. Again, we would never do that. Further, Citibank SHOULD have reached out to us before it was 30 days past due ( many companies due in these circumstances ). If you look at our credit history, we have no missed payments. These " accidents '' have long term ramifications for the consumer and it is wrong for them to report it without contacting the customer. 

I have attached the notice from XXXX  XXXX and I want Citibank to reverse this reporting to XXXX or I will pursue legal action.
Product: Credit reporting or other personal consumer reports

I am lodging a complaint once again to notify you of an incident of identity theft that I have encountered. I accessed the FEDERAL TRADE COMMISSION website at XXXX : XXXX and initiated the process of filing an identity theft report. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any entries indicated on an identity theft report with reference # XXXX. Enclosed are the documents supporting the removal of inaccurate information that is currently appearing on my report. The following are the items that are not associated with me or were opened without my authorization : -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX -- -- -- -- XXXX XXXX -- XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are required to eliminate any items in the consumer 's file that the consumer identifies as information resulting from alleged identity theft within 4 business days of receipt.
Product: Student loan

I SENT A LETTER TO THEM BACK IN XXXX OF 2017 TO DISPUTE THE DECK AND REQUEST DEBT VALIDATION THEY NEVER RESPONDED BUT PUT IT ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Product: Debt collection

There was an outstanding balance owed by my ex-wife at a dentist for our children. The dentist forwarded the debt to a debt collector in XX/XX/XXXX and when I was contacted I immediately payed the debt. In XX/XX/XXXX the debt collector added a collection to my credit report for {$720.00} and refuses to remove it. I contacted the dentist office and they report they have not received the money I paid to the debt collector. Also the balance was only {$470.00} yet I paid {$610.00}. The dentist office was supposed to take care of this error but they refuse to answer my phone calls and the debt collector hangs up on me.
Product: Money transfer, virtual currency, or money service

I had USD {$3.00} as balance in my Paypal account and I decided to withdraw it, transferring that to my bank account ( already verified by Paypal ).

The transfer transaction was done by me on XX/XX/2018, according with Paypal it takes from 1-5 days to be the money in my bank.

I received an email from Paypal on XX/XX/2018 informing the money was being transfer and the estimated arrival was going to be in 1 day. 

I have called many times to Paypal costumer service and the answer was just wait that the money could enter to my account the next day. 

Today, it's been almost 15 day and I do not have the money in bank account.

I talked with the bank and they said they don't see any intents of transaction from paypal in my bank account.

Finally I talked again with customer service supervisor and she told me, that now she could see it was Tecnical Problems with the transfers made between XX/XX/XXXX and XX/XX/XXXX, and they do not know when the money could be available. 

Meanwhile I have to pay interest for that money and latefees.
Product: Debt collection

Threatening lawsuits, aggressively threatening me of imprisonments or wage garnishment. If I dont pay they will take everything I have.
Product: Money transfer, virtual currency, or money service

I received statement of charges from VENMO for the amount of {$970.00}. I called the number printed on the statement to report that I didn't recognize the statement and that I am not aware of the account. The customer service representative were asking many personal identity questions but did not provide account number since the telephone number on the account did not match to mine. When asked to speak to his supervisor, he refused as he could not validate the account. He spoke with XXXX ascent and would not give confirm any information of mine.I also noted unknown charges in my personal credit card account which have been disputed. I have also reported and disputed this account that was reported to the 3 credit reporting agencies ( XXXX, XXXX and XXXX ). I can provide more details if requested by any agencies. Please investigate this and help me clear this scam. 

Thank you!
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following infor

mation : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX ( XXXX ) XXXX XXXX XXXX Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I ( XXXX XXXX ) is writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal actions.

I demand the following collections entries to be deleted : XXXX. XXXX XXXX XXXX Acct. : XXXX Opened : XXXX XXXX, XXXX XXXX XXXX Acct XXXX : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Acct. : XXXX Opened : XX/XX/XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

XXXX. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 10-15 days of the receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all 3, XXXX Experian & XXXX and gave conformation details on XX/XX/19. Nothing was ever changed. 
I filed disputes on XX/XX/19 Dispute report # XXXX. Alert on Dispute came XX/XX/19.  Nothing was changed